The Marketplace of Life

31/1/2020 The Marketplace of Life: We won Marketplace 6
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The Marketplace of Life

We exchange the days and moments of our lives for money,for experiences and information or for love
or just for fun. That currency and how it is spent determines our path through this world. Our paths
are each unique and yet they intersect. Sharing the experiences and learnings of life might make our
lives easier. There are a million roads to take, a million mistakes to make. Maybe by sharing we'll all
make better choices or at least new and different mistakes to learn from.
Monday, June 21, 2010 Follow by Email

We won Marketplace 6 Email address... Submit
For the final course of my MBA we participated in a head to head
game of Marketplace 6 in 3 member groups. In my group one person
Popular Posts
did not participate so I did marketing, sales, human resources and
manufacturing and we won! We not only won but we kicked butt! I
cut and pasted the final results (which give us an A+ on 50% of our
Porter’s Five Factor Model and the
grade) below so that I can save them long after the game results are
Hotel Industry:
no longer open. The game took place over 6 quarters of a computer
company start up. We ended up with 67% of the market!! Review and Recommendations
Management Information Systems
Introduction The combined forces of
Balanced Scorecard IP (Infinite Possibilities) an economic recession and H1N1
epidemic ...
Quarter:6
We won Marketplace 6
Review your balanced scorecard for quarter 5. Your performance on
the individual criteria should have improved. For the final course of my MBA we
participated in a head to head game of
Your balanced scorecard should be positive by now. If it is not, it may Marketplace 6 in 3 member groups. In
be that you have not generated enough sales to drive your costs my group one person did not pa...
down. You may have to consider revising and expanding your
marketing program.
EuroDisney Case Study
Check how well you performed relative to the industry. The industry
Case One: EuroDisney 1. What factors
scores represent your benchmark on how well you should be doing.
contributed to EuroDisney’s poor
Your firm should be above average in all areas measured. If not, try
themarketplaceoﬂife.blogspot.com/2010/06/we-won-marketplace-6.html 1/54
to find the weaknesses and correct them. performance during its first year of
operations? Even though Disn...
Industry results for quarter: 5
Costco Case Study

Minimum Maximum Ave. IP (me)
Costco Case Study In a time of global
financial turmoil and shifting
0.21 45.43 15.69 45.43 demographics, Costco must find ways
to attract and retain customers...
Financial Performance 20.11
85.86 42.67 85.86
Major problems for international
Market Performance 0.13 0.54 marketers include:
0.30 0.54
Legal constraints- Countries have a
Marketing Effectiveness 0.54 variety of different laws to cope with
0.69 0.61 0.69 advertising and they are unique to
each country. The solution...
Investment in Future 1.55 4.83
2.69 1.70
Jet Blue Crisis Management
Wealth 0.85 1.58
Out of the Blue:A Primer on Crisis
1.12 1.58
Management in the Context of
JetBlue’s response by Debra J. Smith
Human Resource Management 0.75 0.89
0.82 0.89 Executive Summary On Valentine’...
Asset Management 0.07 0.64

0.37 0.64 Intel Case Study
1. What were the strengths and
Financial Risk 0.79 0.95 weaknesses of the Intel Inside
0.89 0.94
campaign? I think it was a brave and
Review the results of your company's performance during the
brilliant business move for Intel to d...
previous quarter. This scorecard will be used to measure your firm's
performance in comparison to the other firms participating in the
exercise. The final evaluation will be based upon your performance
during the last four (4) quarter of play. Davos 2011: World Economic
Forum sets up uncertain year
First segment: Workhorse
Second segment: Traveler
The World Economic Forum has ended

Total Business Performance = 85.86 * 0.54 * 0.69 * 1.70 * 1.58 * with business and political leaders
0.89 * 0.64 * 0.94 = 45.43 worrying whether the economic boom
in Asia, Brazil, the US and Germa...
Financial Performance = 85.86
Market Performance = 0.54
Marketing Effectiveness = 0.69
Legislating women in the Board
Investment in Future = 1.70
Wealth = 1.58 room
Human Resource Management = 0.89 Ansgar Gabrielsen was not thinking
Asset Management = 0.64 about a global domino when, just
Financial Risk = 0.94 three months into his job as Norway's
trade and industry minister, h...
If one of the performance measures is less than zero, then the total
overall performance measure will be zero.
Snapple Q&A
Total Business Performance.
1. How would you characterize
The Total Business Performance indicator is a quantitative measure of Snapple’s brand image and sources of
the executive team’s ability to effectively manage the resources of brand equity? What are the strengths
the firm. It considers both the historical performance of the firm as and weaknesses of the brand’s existi...
well as how well the firm is positioned to compete in the future. As
such, it measures the action potential of the firm.
The index employs what is called a balanced scorecard to measure

the executive team’s performance. The most important measure is
the team’s financial performance, and thus its ability to create wealth
for the investors. However, the focus on current profits has caused
many executives to stress the present at the expense of the future.
The long-term viability of the firm requires that the executive team
be good at managing not only the firm’s profitability, but also its
marketing activities, production operations, human resources, cash,
and financial resources. The management team must also invest in
the future. These expenses might depress the current financial
performance, but are vital to creating new products, markets, and
manufacturing capabilities.
In short, top managers must be good at managing all aspects of the
firm. The balanced scorecard puts this perspective into practice. It
focuses attention on multiple performance measures, and thus
multiple decision areas. None can be ignored or downplayed. The
best managers will be strong in all areas measured.
The Total Business Performance measure is computed by multiplying

several indicators of business performance. This model underscores
the importance of all measures. This is because any strength or
weakness will have a multiple effect on the final outcome, the Action
Potential of the Firm.
The following is a summary of the measure of the firm’s Total
Business Performance and its key performance indicators. The
computational details follow.
Financial Performance measures how well the executive team has
been able to create profits for its shareholders. A positive number is
always desired and the larger the better. It is computed in three
steps. First, the net profit from operations is computed by taking the
operating profit shown in the income statement and adding back About Me
investments in the future that are expensed in the current quarter. It
One Womans Life
measures how well the managers are able to create revenue from
the current quarter’s marketing, sales and manufacturing activities. View my complete
Note that the income statement includes expenditures for R&D, new profile
sales offices and quality control. However, this money is spent to
create future business opportunities. Thus, these expenses are added
back to the operating profit so that the financial performance
measure is entirely focused on current quarter revenues and
Followers
expenses. Seguidores (5)
Second, the total number of shares of stock is computed by adding
all forms of equity investment. If an emergency loan has been taken
out, shares of stock will automatically be issued to the loan shark and Seguir
they become a permanent part of the equity financing.
Third, the net profit from current operations is divided by the number
Blog Archive
of shares of stock issued to determine the net profit from current
operations per share of stock. ▼ 2010 (453)
► March (7)
financial performance = net profit from current operations / total
► April (50)
shares issued
= 8,473,844 / 98,698 ► May (64)
= 85.86 ▼ June (65)
ROI and Marketing
net profit from current operations = operating profit + investments in
firm's future = 7,038,945 + 1,434,899 = 8,473,844 Marshall Mcluhen-Canadian
communications thinker
operating profit: 7,038,945 Business Leadership
Value vs. Price
investments in firm's future = 380,000 + 994,899 + 60,000 =
1,434,899 Trading Revenue at U.S.

Bank Holding Companies
cost to open new sales offices and new web center: 380,000 in ...
What if business people 'Paid
R&D investment in new brand features: 994,899
it Forward?'
R&D to create new brands: 60,000 I (the blogger) am asking
you (the reader) when a ...
total shares issued: 98,698
A People Business: HR
managment to Personal
number of shares issued to executive team: 40,000
Best
number of shares issued to venture capitalists: 40,000 Value Chain Analysis
An Economist Discusses The
number of shares issued to loan shark: 18,698 Science of Pleasure
The Happiness Project - Buy
Market Performance is a measure of how well the managers are able
to create demand in their primary and secondary segments. The some Happiness
firm’s market share in two target segments is used to measure this May Industry Results from
demand creation ability. The market share score is adjusted Mastercard
downwards if there were any stock outs. This penalty for stock outs
Mastercard Indicates Asia
is to underscore two points. First, unnecessary resources have been
will lead recovery
spent to generate more demand than can be satisfied. Second, ill will
has been created by having potential customers become frustrated Transcultural Leadership
when they do not find the products that they have been persuaded How to research any
to buy. The score ranges from 0 to 1.0 and will depend upon the company online
number of competitors. If there are 3 firms, a good score would be
The Story of Google
greater than 0.5. If there are 8 teams, a good score would be greater
than 0.35. Porter on Long Term
Strategy
market performance = average market share in targeted Wowability marketing
segments/100 * percent of demand actually served/100
Where in the World is My
Team?
= (53/100) * (100/100)
= 0.54 4Cs of Trust
Desmond Tutu on Leadership
average market share in target segments = (55 + 52)/2 = 53
Mohammad Yunnus
market share in first segment: 55 32 minute lecture by

Mohammad Yunnus
market share in second segment: 52 The Online Value Chain
The Market Knows the

percent of demand actually served = ((6,491 - 0) / 6,491) * 100 = Answer
100
Now that is how advertising
should be done!!
total net demand after ill will: 6,491
When you think you've had a
number of stock outs: 0 hard day...
Understanding India is
Marketing Effectiveness is a measure of how well the managers have
Crucial for Marketing
been able to satisfy the needs of the customers as measured by the
Futur...
quality of their brands and ads. Customer perceptions of the firm’s
brands and ads in its primary and secondary segments are used to Cross cultural negotiations
measure customer satisfaction. The two scores are then averaged to The Future of User Interface
obtain the indicator for marketing effectiveness. The score ranges
The ProSocial Power of a
from 0 to 1.0. A good score would be greater than 0.8
Great Ad.
marketing effectiveness = [average brand judgment/100 + average Fractal Marketing Explained

ad judgment/100]/2 Rory Sutherland shares more
insights
= [69/100 + 70/100]/2
Canadian Immigrantion 2004
= 0.69
Practical Lessons in
average of best brand judgments in target segments = (65 + 73)/2 Marketing
= 69 Best Ads for 2009
Preparing for the Upturn
highest brand judgment in first segment: 65
Marketing Better Solutions
highest brand judgment in second segment: 73 and Inspiration
How the Brain Visualizes and
average of best ad judgments in target segments = (76 + 63)/2 = Creates Meaning
70
News about the news
highest ad judgment in first segment: 76 The Domestic Biggest
Western Star in China
highest ad judgment in second segment: 63 Renny Gleeson, Marketing
and Digital Media
Investments in the Firm's Future reflect the willingness of the
executive team to spend current revenues on future business Barriers to Strategic Planning
opportunities. They are necessary but risky. In the short-term, these Economic Growth and Ideas
expenditures can cause large negative profits on the income from Rory Sutherland
statement. As a result, the retained earnings may become highly
negative, thus indicating that a substantial portion of the India vs. China's Economy
stockholder's investment has disappeared into the operations of the Corporate Social
firm. In the long-term, these investments are absolutely necessary if
Responsibility
the firm is to be competitive. Thus, there is a need to balance the
loss of stockholder's equity against investments which could create Daily Challenge
even greater returns for the investors in the future. The score is Comedic Ad based on Global
always greater or equal to 1.0 and a good score would be greater Warming
than 3.0.
Good Business Strategy
investments in the firm's future = (current expenditures that benefit Culture and Dispute
firms future / net revenues) * 10 + 1 Resolution
= (1,434,899 / 20,457,733) * 10 + 1 From Bricks to Clicks
= 1.70
Executing Strategy
current expenses that benefit firm's future = 380,000 + 994,899 + Porter and long term
60,000 + 0 = 1,434,899 strategy in a downturn
Making Decisions
cost to open new sales offices and new web regional centers:
We won Marketplace 6
380,000
Porter and the BP Oil Spill
R&D investment in new brand features: 994,899 Star Wars 2010 with a little
help from Adidas
R&D to create new brands: 60,000
Shania Twain Prescentience
(2007)
R&D licenses: 0
GDP or GDH?
net revenue = 22,603,309 - 2,145,576 + 0 = 20,457,733 Consultants
Measuring what counts- GDP
sales revenue: 22,603,309
or GDH?
rebates: 2,145,576 Enlightened "Stupid"

marketers
interest income: 0 Why Is Canadian Banking the
Envy of the World?
Creation of Wealth is a measure of how well the executive team has
A Blog Worth Reading
been able to add wealth to the initial investments of the
stockholders. During the start-up phase of the company, it is BP and Prophetic Signs
expected that expenses will greatly exceed revenues leading to large ► July (62)
losses and retained earnings figures that are largely negative.
► August (53)
To compute the creation of wealth measure, the net equity of the ► September (33)
firm is first computed by adding the retained earnings to the total of ► October (35)
the investments from all of the stockholders. The retained earnings
► November (29)
figure is the sum of all profits from the inception of the firm. As
noted above, the retained earnings will be negative in the early ► December (55)
quarters as the firm invests money to startup and grow the business. ► 2011 (246)
► 2012 (1)
Next, the net equity is divided by the total of all equity investments
to obtain a ratio of wealth creation. A value of zero or less indicates
bankruptcy. A value greater than zero and less than one indicates the
executive team is relying upon the initial stockholder's investments to
pay day-to-day expenses plus invest in the future. A value greater
than one indicates the firm is adding wealth to the stockholders.
creation of wealth = net equity/total stockholders equity
= 12,616,490 / 8,000,000
= 1.58
net equity = 4,616,490 + 8,000,000 + 0 = 12,616,490
retained earnings: 4,616,490
common stock: 8,000,000
dividends paid to date: 0
total stockholders investment = common stock = 8,000,000
Human Resource Management is a measure of how well the

executive team is able to recruit the best employees, satisfy their
needs and motivate them to excel. Sales force productivity and
factory worker productivity are averaged together to obtain a single
score. High performance is only possible if the firm's compensation
packages is competitive and in tune with what is important to
employees over time. The scores range from zero to 1.00 and a good
score would be greater than 0.80.
human resource management = (sales force productivity/100 +

factory worker productivity/100) / 2
= (83/100 + 95/100) / 2
= 0.89
sales force productivity: 83
factory worker productivity: 95
Asset Management is a measure of the executive team’s ability to use

the firm’s assets to create sales revenue. The first step in measuring
asset management is to compute the asset turnover of the firm.
Effective managers are able to use the assets to create sales which
are two or three times the value of the assets. Thus, a very good
score would be 3.0
In addition to asset turnover, ending inventories are also measured

and included. To avoid stock outs, and their associated penalties,
managers might be inclined to build excessive inventory. To
discourage large ending inventories, there is a penalty for producing
more inventory than is needed to meet demand. The penalty
increases as the proportion of ending inventory to production
increases.
asset management = asset turnover * penalty for excess inventory
= 1.42 * 0.45
= 0.64
asset turnover = net revenue/total assets = 20,457,733 / 14,424,183

= 1.42
net revenue = 22,603,309 - 2,145,576 + 0 = 20,457,733
sales revenue: 22,603,309
rebates: 2,145,576
interest income: 0
total assets: 14,424,183
penalty for excess inventory = (1-ending inventory/production) = (1

- 5,895 / 10,770) = 0.45
ending inventory: 5,895
production: 10,770
Financial Risk measures the executive team's ability to manage debt

as a financial resource. The financial risk indicator is based upon the
degree to which debt is part of the capital of the firm. As debt
increases relative to the total capital, then the financial risk
associated with the company increases. Conversely, as the proportion
of equity in the total capital increases, then the perceived financial
risk in the firm decreases.
To compute financial risk, the proportion of equity is obtained by

computing the amount of equity in the firm and dividing it by the
amount of capital invested in the firm from all sources. Specifically,
the amount of equity is equal to the sum of common stock plus
retained earnings. The amount of capital is equal to the sum of debt
plus common stock plus retained earnings. As the ratio of equity to
capital decreases (meaning more debt), then financial risk increases.
A value of 1.00 would indicate there is no debt and, therefore, no

perceived financial risk.
It is important to realize that financial managers do not want to

totally discourage debt. The optimum capital structure will vary by
firm depending on its tax situation, overall risk, asset base, and
financial slack. Some debt may be desirable in order to help the firm
take advantage of value enhancing business opportunities (i.e.,
opportunities that earn more than the company's weighted average
cost of capital).
In order to mitigate or downplay the effect of low amounts of debt in

the capital structure, the value for the share of equity in the company
is raised to a power of 0.5 (square root). Thus, if debt represented
20% of the capital structure, then the Financial risk indicator would
be 0.89 (0.80 ** 0.5). If debt were 50% of the capital structure, the
Financial Risk indicator would be 70.
A Financial Risk indicator below 0.80 (more than 36% debt) would be
considered unfavorable.
financial risk = (total equity / total capital)0.5
= (12,616,490/14,424,183)0.5
= 0.94
total equity = common stock + retained earnings = 8,000,000 +

4,616,490 = 12,616,490
total capital = debt + common stock + retained earnings =

1,807,693 + 8,000,000 + 4,616,490 = 14,424,183
Posted by One Womans Life at 3:49 PM

Reactions: funny (0) interesting (2) cool (0)
Labels: business game simulation, martketplace6
86 COMMENTS:
Anonymous October 12, 2010 at 7:00 AM
Hi,
excuse me, but I've got a question. Did you write a
multiplechoice test after doing marketplace 6? We should get
a test via email. Do you've this test already?
Greetings
BJ
Reply
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Samet March 10, 2011 at 4:06 PM
My traveler brand is BOOMING but I cant seem to get the

WorkHorse Segment, What can i dooo, we are with 4/5
teams in that segment.
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One Womans Life March 16, 2011 at 2:18 PM
Hi Samet, If traveller is booming you have constructed a

computer that meets all of the needs of that market. You
need to closely review the customer wants for the other
markets - I suggest workhorse. Price it right (use your
market research to figure that out- both price and features).
Stay within the price that they are willing to pay and give
them a good value for their money. Hope this helps, Deb
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Anonymous February 22, 2013 at 1:17 PM
we are in quarter 5 with only two products and two offices

and a negative balance, how can we fix that
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Chris Hock April 20, 2013 at 11:10 PM
Have you ever found a place that shows what the best
cumulative balance score card values are? Our team won
and we wonder how we rate. After 9 quarters, we ended up
with a overall BSC score of 3495. Any idea where that ranks?
Reply
Unknown May 27, 2013 at 9:09 AM
Chris - curious if you found a place that ranks the overall

BSC numbers. We ended with a 1412 and I was looking for
the same information.
Reply

Workhorse:
Brand judgment: 72
Base Components
Office software-word,spreadsheets
Games
Multimedia accessories for office
Standard desktop design
15" monitor for desktop
High performance computing power
Standard keyboard
Standard network/Internet connection
Brand judgment: 80
Base Components
Games
Multimedia accessories for office
Standard computing power
High comfort keyboard with wrist rest
Ad Copy Judgment: 83
Mention Brand Name 1
Rebate - special price deal 2
Easy to use 5
Easy on eyes with larger screen 6
Local service and support 3
Picture of business professionals 4
Easy on eyes with larger screen 4
More productive-comfort keyboard 5
Picture of business professionals 6
_________________________________________________
_____
Mercedes:
Brand judgment: 70
Base Components
Scientific/engineering software
Multimedia accessories-science/engineering
Expanded keyboard with hot keys
Brand judgment: 99
Base Components
Office software-word,spreadsheets - new release
Scientific/engineering software
Multimedia accessories-science/engineering
Stylish desktop design
19" high resolution monitor for desktop
Ultra fast/powerful computing
High comfort keyboard with wrist rest
High speed network/Internet connection
Feature engineering applications 4
Most powerful processor on market 1
Link computers w network/internet 7
Picture of engineers/scientists 3
Feature engineering applications 6
Most powerful processor on market 2
Link computers w super fast line 4
New stylish design 5
Picture of engineers/scientists 7
_________________________________________________
_____
Traveler:
Brand judgment: 67
Base Components
Games
Multimedia accessories for travel
Slim, rugged, portable design
10" monitor for portable
Standard keyboard
Brand judgment: 95
Base Components
Office software-word,spreadsheets - new release
Games
Multimedia accessories for travel
Ultra slim,stylish,rugged,portable
12" monitor for portable
Standard keyboard
High speed network/Internet connection
Feature office applications 6
Easy to use 3
Slim rugged design 4
Picture of business travelers 7
Feature office applications 5
Easy to use 3
Link computers w super fast line 4

Ultra slim rugged design 6
Reply
Replies
Anonymous October 28, 2013 at 10:49 AM
Hi Kelly Ayo, interesting figures and certainly

useful , but how does this reflect to the customer
needs and use pattern for each segment. Would
you able to share this piece information?
Unknown October 2, 2015 at 11:51 AM
IF anyone has any information about how to rid of

loan sharks in MPL I would be so grateful! my
email is sarahlain@me.com
Reply
Rebel August 4, 2013 at 10:01 PM
hi we are in the 4th place out 6 in the first quarter..what can

we do different to move to the top apart from copying the
winning team? Is there any hope? how many brands should
we have in the 4th quarter?
Reply
Allan October 14, 2014 at 3:28 AM
We cover a complete variety of IT Consulting Services, be

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Unknown October 2, 2015 at 11:49 AM
Hi I am in desperate need of help! We are going into quarter

6 of MPL and our dominating in performance apart from our
debt with a loan shark. On our income statement it shows
we paid this off last quarter but then this quarter it showed
up again in an even higher amount! I have put in so much
time in this game as I am sure anyone who has played this
can relate.. please if ANY ONE has ANY information at all on
how to get rid of this loan shark (i know he will continue to
own shares). Our last quarter is due this sunday (oct2, 2015)
Reply
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Unknown December 20, 2015 at 4:50 AM
This comment has been removed by the author.
Reply
Unknown January 21, 2016 at 2:20 AM
Hello,
Are you in dept? Have you been denied of loan from Bank?
Or do you need a loan to pay off bills? worry no more, Your
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contact us today.(mprospeld@gmail.com)
LOAN APPLICATION FORM (FILL AND RETURN BACK)
Surname:_________
First name:_________
Gender:_________
Marital Status:_________
Contact:_________
City / Zip Code:_________
Country:_________
Date of Birth:_________
Loan Amount______
Duration of Loan:_________
Revenue monthly / Annual income:_________
Occupation:_________ Loan Purpose:_________
Phone:_________
We await your urgent response.
Regards.
Mr Derek
Reply
dinku January 27, 2016 at 8:39 PM
We want to start this game and can you please advice me

where and how to start? I am interested to start workhorse
and Mercedes with office location in Paris
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Anonymous March 7, 2016 at 5:47 PM
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Unknown April 26, 2016 at 5:49 AM
Good Article
Web Application Development
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Zeke June 5, 2016 at 9:44 AM
In human resource how much you paid the sales people and
factory workers in. Q2 ?
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Zeke June 5, 2016 at 9:46 AM
In human resource how much you paid the sales people and
factory workers in. Q2 ?
Reply
frankrogers October 5, 2016 at 2:28 AM
Hello:
Need urgent loan to solve your financial needs, we offer
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Amount Needed: _____
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Age: _____
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Thanks.
Mr Frank Rogers
Reply
JORDAN October 28, 2016 at 5:31 PM
Hello Loan Seekers,
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Thank You,
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Reply
frankrogers December 21, 2016 at 1:28 AM
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Reply
Dr Purva Pius January 8, 2017 at 9:01 AM
Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a
happy woman today? and i told my self that any lender that
rescue my family from our poor situation, i will refer any
person that is looking for loan to him, he gave me happiness
to me and my family, i was in need of a loan of
S$250,000.00 to start my life all over as i am a single mother
with 3 kids I met this honest and GOD fearing man loan
lender that help me with a loan of S$250,000.00 SG. Dollar,
he is a GOD fearing man, if you are in need of loan and you
will pay back the loan please contact him tell him that is Mrs
Sharon, that refer you to him. contact Dr Purva Pius,via
email:(urgentloan22@gmail.com) Thank you.
BORROWERS APPLICATION DETAILS
1. Name Of Applicant in Full:……..

2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..
Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com
Reply
frankrogers March 14, 2017 at 12:51 AM
Hello:
Need urgent loan to solve your financial needs, we offer
reliable loan at an interest rate applicable to all loans is
(3%), if you are interested contact us via
(fasterloanservice@gmail.com) with the information below
Your full name: _____
Country: _____
City: _____
Address: _____
Amount Needed: _____
duration: _____
Loan Purpose: _____
Monthly income: _____
Age: _____
Sex: _____
Occupation: _____
Telephone number: _____
Thanks.
Mr Frank Rogers Website;http://honestloan.ulcraft.com/
Reply
Unknown May 11, 2017 at 9:07 AM
hallo:)
can u maybe contact me and help me?
i will show myself very grateful.
lots of greets, viktoria_Huhn@web.de
Reply
Mr. Hussein Mohamed May 22, 2017 at 5:56 AM
TESTIMONY OF TRANSFORMATION WITH THE HELP OF

TRIVAGO FINANCIAL HOME PLC
I am writing this Testimony because am really grateful for
what Mr. Hussein Mohammed did for me and my family when
I thought there was no hope he came and make my family
feel alive again by lending us loan at a very low interest rate
of 3%, well I have been searching for a loan to settle my
debts and bills for the past months all I met scammed and
took my money total 6,500usd until I finally met a God sent
Lender. I never thought that there are still genuine lenders
on the internet but to my greatest surprise i got my loan
form this great company without wasting much time, so if
you are out there looking for a loan of any kind for business
or other purposes i would advise you to email Mr. Hussein
Mohammed via: ( trivagofinancialhome.in@gmail.com ) OR
text: +18168926900 and be free of internet scams. thanks…
Jenny Hills Alcott Resident: Los Angeles California, United
State
Reply
Mr. Hussein Mohamed May 22, 2017 at 6:01 AM
I'm Mr. Hussein Mohammed and I'm a Mortgage Loan Officer

committed to helping all of my clients fully explore their
home loan options and feel confident about their choices. In
my 37 years of experience working with third party
affordable housing assistance programs, conventional

conforming and "jumbo loans", government loans, home
equity lines of credit and investment property loans and
more, I'vebeen able to share my knowledge of the mortgage
industry and especially the Parterres City market. My website
offers resources and calculators for your convenience, and
I’m available to assist you at any point along the way toward
meeting your home loan goals.Email Us:
trivagofinancialhome.in@gmail.com
Reply
Unknown May 23, 2017 at 2:44 PM
all your confidential details and identify you as someone we

believe has betrayed the trust of the community local
search marketing
Reply
Anonymous June 15, 2017 at 3:52 PM
Testimony!!! Testimony!!! Testimony!!! Testimony!!!

Testimony!!! Testimony!!! Testimony!!! Testimony!!!
Hey, guys! I'm so glad I got my Mike Fisher's. My blank ATM

card can withdraw $ 2,000 a day. I understood from last
week and now I have $ 14,000 for free. The blank ATM
withdraws money from any ATM and there is no name, it is
not traceable and now I have money for business and
enough money for me and my family to live. I'm really happy
to meet Mike Fisher because I met two people before her
and they took my money without knowing they were scams.
But I'm happy now. Mike Fisher sent the card through DHL
and I understood it in two days. Get her own card now, she's
not like another scammer pretending to have the ATM card,
She's giving it away for free to help people, even if it's
illegal, but it helps a lot and no one ever gets caught. I'm
grateful to Mike Fisher because she changed my story all of
a sudden. The card works in all countries, except in Mali and
Nigeria. Mike Fisher's email address is

atmhacker243@yahoo.com
Reply
Anonymous June 16, 2017 at 5:28 AM
We are muslim Organization formed to help people in needs

of helps,such as financial help. So if you are going through
financial difficulty or you are in any financial mess,and you
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to settle your debt or pay off your bills,start a nice business,
or you are finding it hard to obtain capital loan from local
banks,contact us today via email
(powerfinance7@gmail.com) So do not let these opportunity
pass you by because Allah is the same yesterday, today and
forever more. Please these is for serious minded and Allah
fearing People.
LOAN APPLICATION FORM

**********************
1) Full Name:.....
2) Gender:........
3) Loan Amount Needed :...
4) Loan Duration:...............
5) Country:.......
6) Home Address:..
7) Mobile Number:.....
8) Occupation:....
9) Monthly Income:......
10) Salary Date:....
11) Purpose of loan;...
Awaiting your swift response.

May Allah bless you.
IBRAHIM MUSA
Leverage Pvt Ltd.
Associate Director
power Financial Service Pvt.
Contact Us At :powerfinance7@gmail.com
Reply
Asha June 27, 2017 at 6:01 AM
David benjamin ATM company is indeed a wonderful place to

be. For the past 6 months i have been paying money to
several companies just to get me a loaded card and all have
scammed me of my money without any delivery. I was told
by a friend who got her card in less than 4 days of her
applying to contact davidbenjaminltd@outlook.com and lo
and behold i was told to make a delivery payment and part
payment for the card balance when i receive the card and
must have tested it. Am proud to announce to any one in
need of a genuine hacker who is tired of loosing money to
rippers to contact : davidbenjaminltd@outlook.com and get
you card without any story telling.
Reply
nikhil July 3, 2017 at 1:16 AM
If you want personal loans online then we provide lowest

interest rate on personal loans in pune
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This comment has been removed by the author.
Reply

Reply
Testimony on how i got my LOAN from

fundingloanplc@yahoo.com
I'm Isabella Tyson from 1910 N Halsted St Unit 3, Chicago

IL60614 USA,, i have been searching for a genuine loan
company for the past few months and all i got was bunch of
scams who made me to trust them and at the end of the day
took my money without giving anything in return, all hope
was lost i got confused and frustrated, i find it very difficult
to feed my family and vowed never to have anything to do
with loan companies on net and went to seek of assistance
from a very good friend which i explained all my experience
regarding online companies with and said he can help me
that he knows of a Godsent and well known company called
FUNDING CIRCLE PLC, he stated he just got a loan from
them although i was still very unsure about this company
due to my past experience but i decided to give it a try and
did as i was directed by my friend and applied, i never
believed but i tried and to my greatest surprise i received my
loan in my bank account within 24 hours, i could not believe
that i would stand on my feet financially again. I’m glad I
took the risk and applied for the loan and today i'm thanking
God that such loan companies still exist and promise to
share the good news to people who are in need of financial
assistance because the rate of scams on net is getting very
serious and i don't want people to fall victim when we still
have genuine and Godsent lenders.. You can contact this
Godsent company using the information as stated and be a
partaker of this great testimony.. Email:
fundingloanplc@yahoo.com OR Call/Text +14067326622
thanks
Reply
Are you in need of an urgent loans? We offer loan of all

kinds to prospective individuals,
company, corporate bodies as well as organizations, Are you

in need of loans that are
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info.nepolos.prosperity@gmail.com
Reply
PACIFIC LOAN SERVICE

===============================
This is a Christian Organization formed to help people in
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OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY
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Reply
nikhil August 9, 2017 at 8:10 AM

Reply
nikhil September 1, 2017 at 1:45 AM
Deal4bank provide best home loans with lowest home

loan interest rate in pune
Reply
Mr. Rojas Silva November 4, 2017 at 3:24 PM
Are You seeking for an urgent Christmas loan? Have you be

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information ...Contact Email:
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Reply
Jennifer December 14, 2017 at 12:49 PM
Good day everyone, i am here to say something about Mrs

flora lending company . I found her email address online
regarding his loan/help towards those that are in need
of a loan. So, i saw it and i was wondering if her loans where

legit because I've never gotten any loan company residing
outside the country. However, I ran into
expenses and i was needing just a small loan of $15, 000

yesterday to pay for some debts that i was owning as at that
time. So i collected her email online where i saw
it and i decided to give it a try. Eventually i emailed him and i
got in touched with her, i submitted all he'd required and to

my greatest surprise, i got an alert
today that the loan which i applied from.. So i couldn't

believe it until i went to the bank and i saw it reflected. So, i
am using this medium to let everyone know
about FLORA FINANCES and how they helped me with the

loan of $15,000 . So if maybe anyone is needing a loan, i
would rather advice he/she to contact her because she's
kind and as i made my research on her, she had helped so

many people including me. So they are the best option to
choose in Lending. Contact FLORA FINANCES today for a
loan via email: (floralenders001@gmail.com).
Reply
Alondra January 9, 2018 at 6:34 PM
I got my programmed and blanked ATM card to

withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I
have used it to get $150,000. Wesley mark Hackers is giving
out the card just to help the poor and needy though it is
illegal but it
is something nice and he ALSO GIVE LOAN AT THE RATE OF
2%. get yours from wesley mark Hackers today! Just send
an email
to (wesleymarkhackers@gmail.com)
or watsapp +16315383658
Reply
Джозеф March 24, 2018 at 6:29 PM
good day, my name is torres i am a citizen of the united

state of america i want to testify of the good loan lender
who showed light to me after been scammed by 4 different

internet international lender, they all promise to give me a
loan after making me pay alot of fees which yield nothing
and amounted to no positive result. i lost my hard earn
money and it was a total of 8,000usd. one day as i was
browsing through the internet looking forsterated when i
came across a testimony man who was also scammed and
eventually got linked to a legit loan company called Jasmin
Noor loan company (jasminnoorloancompany01@gmail.com)
where he finally got his loan, so i decided to contact the
same loan company and then told them my story on how i
have been scammed by 4 different lenders who did nothing
but to course me more pain. i explain to the company by
mail and all they told me was to cry no more because i will
get my loan in their company and also i have made the right
choice of contacting them, so if there is anyone who need a
loan should email them
Reply
Джозеф March 27, 2018 at 7:59 AM
A MUST READ :Me and my family has been in poverty for

about five years now and my husband have left us six years
ago and he was very rich he was with another woman who
do not even have a child for him and abandon me with my 4
children so one day my son said that his friend saw a post of
one woman saying that he can help someone get a loan then
my son use his friend's phone to email the woman then he
cheated with her so the woman said that he will help us I
said he was joking so he told us what to do then we did it 4
days later i got a loanand me and my family were living very
fine then three days ago my husband came home on his
knees he was pleading but now we are now back together
again so am telling you now if you need a loan etc email her
now on jasminnoorloancompany01@gmail.com,
Reply
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Jamesterra June 25, 2018 at 1:35 AM
We are authorized Financial consulting firm that work directly

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Reply
KATHERINE LOAN FIRM.

We are direct Loan Firm and Into 100%International Project
Financing,we are giving any kind of Loan 3%,we are
Informing Loan Brokers and International Projects to
Finance,WORRY NO MORE KINDLY CONTACT US FOR MORE
INQUIRY VIA FOLLOWING EMAIL:
(KATHERINEFINANCIALLOAN@GMAIL.COM)
+17798886330or+254780875868
24 hours Online
MR GODWIN.
Reply
Hello!
I just want to share my experience with you. I was in great

debt being I lost most of my assets due to the fire incidence
which occurred in my workshop 2months into this year and I
could barely meet my needs. I was almost to about 9months
out in debt. I couldn't pay my bills until I saw a comment
about someone talking about how he got western union
MTCN of $20,000.
I visited the email he provided and talked with them and

then placed an order for $5000 after thinking about it for
2days for trial and paid the fee they requested, and to my
greatest surprise, I got the MTCN and picked it up
successfully. When I saw that it really worked, I then went
ahead to place another order for $20000 and I got it as well.
My financial struggles has been over,I was able to pay my

debt and I have been able to provide for my family and live a
comfortable life. For more information if interested, email
them at; checkmatehackers@gmail.com
Website: www.checkmatehackers.net
Reply
Are you looking for a loan to clear off your debt and start up
your own Business? have you being going all over yet not
able to get a legit loan Company that will loan you? Here is
your final solution(WITHOUT UPFRONT FEE), We can give
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below. Email: roseberryfin02@gmail.com
Reply
KATHERINE LOAN FIRM.

We are direct Loan Firm and Into 100%International Project
Financing,we are giving any kind of Loan 3%,we are
Informing Loan Brokers and International Projects to
Finance,WORRY NO MORE KINDLY CONTACT US FOR MORE
INQUIRY VIA FOLLOWING EMAIL:
(KATHERINEFINANCIALLOAN@GMAIL.COM)
+17798886330or+254780875868
24 hours Online
MR GODWIN.
Reply
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PM
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Reply
Dr Purva Pius August 21, 2018 at 11:46 PM
Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a
happy woman today? and i told my self that any lender that
rescue my family from our poor situation, i will refer any
person that is looking for loan to him, he gave me happiness
to me and my family, i was in need of a loan of $250,000.00
to start my life all over as i am a single mother with 3 kids I
met this honest and GOD fearing man loan lender that help
me with a loan of $250,000.00 SG. Dollar, he is a GOD
fearing man, if you are in need of loan and you will pay back
the loan please contact him tell him that is Mrs Sharon, that
refer you to him. contact Dr Purva Pius,via email:
(urgentloan22@gmail.com) Thank you.
Reply
sups shelar September 25, 2018 at 7:17 AM
Thank you for sharing such great information.

It is informative, can you help me in finding out more detail
on
best home loan.
Reply
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Leslie Ceaser November 21, 2018 at 4:47 AM
I will recommend anyone looking for Business loan to

Le_Meridian they helped me with Four Million USD loan to
startup my Quilting business and it's was fast When
obtaining a loan from them it was surprising at how easy
they were to work with. They can finance up to the amount
of $900,000,000.000 (Nine Hundred Million Dollars) in any
region of the world as long as there 1.9% ROI can be
guaranteed on the projects.The process was fast and secure.
It was definitely a positive experience.Avoid scammers on
here and contact Le_Meridian Funding Service On.
lfdsloans@lemeridianfds.com if you looking for business
loan,Thanks.
Leslie,
Reply
Leslie Ceaser November 21, 2018 at 4:49 AM
I will recommend anyone looking for Business loan to

Le_Meridian they helped me with Four Million USD loan to
startup my Quilting business and it's was fast When
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Emily February 14, 2019 at 8:16 AM
How I got My Loan From A God sent And Genuine Loan

Lender…
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Houstonloanfirm@yahoo.com I’m here as the happiest
woman in the whole wide world because of what God has
done for me through the help of a God sent and genuine
loan lender his servant. I told myself to talk about the good
deeds of any lender that will rescue my family from our poor
& hopeless situation, i will and must tell his name to the
whole world, I am so happy to say that my family is back for
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My advise to anyone out there in genuine need of a loan is
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max william February 16, 2019 at 1:52 PM
Do you need Finance?

Are you looking for Finance?
Are you looking for a money to enlarge your business?
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alexanda February 18, 2019 at 7:42 PM
I am writing this Testimony because am really grateful for

what Mr Houston did for me and my family, when I thought
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again by lending us loan at a very low interest rate of 3%.
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Hello Everyone out there! I'm Alexanda hook, from Usa I am

using this medium to announce to the general public on how
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again, through the help of Mr Houston, When all hope was
lost they granted me a loan sum of $50,000 on the 7th of
February 2019 to settle my debts and start up a business of
my own. They saved me and my family from loosing our
home as we were not able to pay tax bills. I am writing this
message cause I feel it might be important for you out there

seriously in need of a genuine loan in other for you not to
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Chavez Clayton August 9, 2019 at 9:51 PM
The Le_Meridian Funding Service went above and beyond

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expand my pharmacy business,They were friendly,
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recommend anyone looking for loan to contact.
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WhatsApp ... + 19893943740.
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marvellous September 10, 2019 at 12:22 PM
If you are out there and you are still asking this same
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Monday, June 21, 2010 Follow by Email

Costco Case Study

Asset Management 0.07 0.64

The World Economic Forum has ended

The index employs what is called a balanced scorecard to measure

The Total Business Performance measure is computed by multiplying

1,434,899 Trading Revenue at U.S.

market share in first segment: 55 32 minute lecture by

The Market Knows the

marketing effectiveness = [average brand judgment/100 + average Fractal Marketing Explained

rebates: 2,145,576 Enlightened "Stupid"

creation of wealth = net equity/total stockholders equity

net equity = 4,616,490 + 8,000,000 + 0 = 12,616,490

retained earnings: 4,616,490

common stock: 8,000,000

dividends paid to date: 0

total stockholders investment = common stock = 8,000,000

Human Resource Management is a measure of how well the

human resource management = (sales force productivity/100 +

sales force productivity: 83

factory worker productivity: 95

Asset Management is a measure of the executive team’s ability to use

In addition to asset turnover, ending inventories are also measured

asset management = asset turnover * penalty for excess inventory

asset turnover = net revenue/total assets = 20,457,733 / 14,424,183

net revenue = 22,603,309 - 2,145,576 + 0 = 20,457,733

sales revenue: 22,603,309

total assets: 14,424,183

penalty for excess inventory = (1-ending inventory/production) = (1

ending inventory: 5,895

Financial Risk measures the executive team's ability to manage debt

To compute financial risk, the proportion of equity is obtained by

A value of 1.00 would indicate there is no debt and, therefore, no

It is important to realize that financial managers do not want to

In order to mitigate or downplay the effect of low amounts of debt in

financial risk = (total equity / total capital)0.5

total equity = common stock + retained earnings = 8,000,000 +

total capital = debt + common stock + retained earnings =

Posted by One Womans Life at 3:49 PM

Labels: business game simulation, martketplace6

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