Kentucky Nonprofits Provide Payday Loan Alternatives - OppLoans

Kentucky Nonprofits Provide Payday Loan Alternatives - OppLoans Kentucky Nonprofits Provide Payday Loan Alternatives Kentucky Nonprofits Provide Payday Loan AlternativesInside Subprime: October 7, 2019By Lindsay FrankelIn rural areas of eastern Kentucky, choices for banking are limited. 19.6 percent of Kentucky residents are underbanked according to the Federal Deposit Insurance Corporation. Some costly alternative to traditional banking like payday loans and title loans can have serious financial implications for low-income Kentucky residents, something local nonprofits are working to prevent.A Hazard, Kentucky-based nonprofit organization established by the Housing Development Alliance, provides low-interest microloans to residents in areas of southeastern Kentucky. The goal is to help financially burdened individuals bridge gaps in income, erase higher interest debts, and get the education they need to achieve financial stability.“I think a lot of people are making a [financial] decision based on short-term needs and hope they’ll figure something out for the long term,” said Mae Humiston, the CDFI director for the organization. “One-time emergencies can have long-lasting impact if they don’t have access to affordable credit.”When people lack options for credit, they often turn to payday loans in Kentucky. A payday loan is a short-term loan intended to be repaid out of the borrower’s subsequent paycheck. But payday loans in Kentucky carry an average APR of 469 percent, according to Pew Charitable Trusts. With interest rates that high, it can be difficult for borrowers to pay back these loans on time, which can lead to insurmountable debt. That’s why the program hopes to provide a safer alternative to folks who need credit.“The people who pay the most for credit are the people who most can’t afford it, and we are condemning them to a lifetime of debt, and we need to think about how to restructure the system so this doesn’t need to happen,” Humiston said. She added that predatory lending has flourished in recent years due to bank closures in rural area s, and even when banking services are available, they often don’t meet the needs of people with poor credit.Of the program’s five loan products, their “credit rescue” loan is most utilized by borrowers. Intended to help residents pay off high-interest credit card debt, the loan also includes financial counseling intended to help people develop smarter money behaviors.Many of the clients aren’t in debt due to being irresponsible, however. Some people with significant debt have steady jobs and make their payments on time, but exorbitant interest rates keep them trapped in debt, said Humiston.Learn more about payday loans, scams, and cash advances by checking out our city and state financial guides, including  Chicago, Illinois, Florida, and Texas.Visit OppLoans on YouTube | Facebook | Twitter | LinkedIn

Martha Stewart Financing an Empire Before and After a Scandal Free Essay Example, 3500 words

According to the research findings, one of the financial problems that Stewart faced in trying to convince Time Warner to invest deeper into her enterprise and to let her company expand under their umbrella was that while Martha Stewart Enterprises was bringing in over 100 million dollars each year, it only had a cash flow of around 3 million dollars. The net worth of Martha Stewart Enterprises was roughly 85 million dollars and despite claims of only having 3 million dollars in cash flow, the company was bringing in a total of around 50 million dollars per year for Time Warner. Stewart and Patrick reportedly went to ten banks, all of whom either denied her or wanted a significant amount of equity from the company, which would put her roughly back into the same position she was in with Time Warner. Stewart had a relatively small contract with K-Mart which paid her 200,000 dollars per year to act as a spokesperson for the company. This arrangement, which had lasted for ten years, was up for renewal and in this Stewart and Patrick saw an opportunity. We will write a custom essay sample on Martha Stewart: Financing an Empire Before and After a Scandal or any topic specifically for you Only $17.96 $11.86/pageorder now Meanwhile, according to Prudhomme, Stewart began a campaign designed to make parting with her a desirable plan for Time Warner. She began to make increasing demands for perks in regards to her position, including benefits such as a chauffeur and a very large clothing allowance. In addition, she demanded that she be entitled to 40% of the equity in Martha Stewart Enterprises. Stewart had been sorely underestimated for her ambitions and her desires to expand. Through negative relationship negotiation with the intent of making her an undesirable partner with Time Warner, she set the stage for the buyout that she intended. Meanwhile, the internet boom was reaching unimaginable heights in its success and Stewart was prepared to launch her enterprises into the virtual world. Stewart negotiated a deal with K-Mart to fund her buy out, along with private funds of her own and that Patrick would contribute to funding the buyout.

Genetically Modified Foods Essay - 1128 Words

Public cities around the world are becoming more involved with a wide array of new technologies without realizing it. From super computers that calculate the movement of satellites without human involvement, to handheld personal computers. Consumers abide with an egregious array of brand new scientific advances that are accompanied by confusing new terms. The food and drug administration, commonly known as the F.D.A, is focusing much of their time with food biotechnology. The all-encompassing use of biotechnology when applied to agriculture and food production increases the deeply felt environmental, economic and ethical concern. The liberation of genetically engineered organisms into the environment poses apprehensive questions†¦show more content†¦With the use of this hormone, small dairy farms are beginning to diminish due to the already over populated milk market. Dairy cows are not the only animal genetically engineered. A company called Aqua Bounty industries have successfully engineered salmon to grow to market size in eighteen months rather than thirty months that it would typically take for the Atlantic salmon to reach the market weight and size. To do this, Aqua Bounty industries inject the DNA from other types of salmon and pout, another fish derived from the ocean. This causes much concern for individuals with certain fish allergies or those who are unaware of which type of fish allergies the may have. Not only are these industries trying to market off of hormone injected foods, but cloning is now in the beginning stages of entering our grocery stores. Although cloning is the exact copy of another animal, it still allows these businesses to manipulate breeds to produce animals with specific traits. Sigrid Fry-reverse believes, â€Å"because this manipulation does not affect the quality of the food produced by these cloned animals, the government should not impose regulation on the industry† (Fry-reverse 2). Cloning live stock for nutrition purposes require no distinguishing labels to separate it from non-cloned food products. As of now, the cloned animal can be used as food;Show MoreRelatedGenetically Foods : Genetically Modified Foods1239 Words   |  5 PagesGenetically Modified Foods â€Å"70 percent of our corn farmland and 93 percent of soy farmland are planted with crops genetically engineered to resist pests and herbicides and increase crop yields. 60% of all the processed foods in the United States are genetically modified; a shocking statistic has the concern of many Americans. However, most people are uninformed about the beneficial impact that genetically modified food has on their diet. GM is the use of molecular biology technology to modify theRead MoreGenetically Modified Food : Modified Foods1165 Words   |  5 PagesCheenne 09/21/2014 Genetically Modified Food Accompany the growing population in the world and food shortages, in order to alleviate the immediate crisis, transgenic technology began to be used in the field of food production. Genetic engineering technology as a young technology, which gives us a lot of genetically modified food and gained unprecedented gains. But science is a double-edged sword. People are concern the topic about that whether genetically modified foods is safety. It is evidentlyRead MoreGenetically And Genetically Modified Food947 Words   |  4 PagesAs genetically modified food appeared into people’s consciousness, it had been at the center of vehement controversy. Because people lack information about genetically modified food’s potential influence, they wonder whether genetically modified food is a miracle or not. Genetically modified food can solve several problems. The potential effects of genetically modified food also should be measured. However, people should not assume that genetic ally modified food only has disadvantages, but understandRead MoreGenetically And Genetically Modified Foods822 Words   |  4 PagesGenetically Modified Foods What is it that we are eating? GMO’s are unnatural. Is it healthy to eat something that doesn’t belong in our digestive system? GMO’s are genetically modified food. Genetically modified foods are created by taking genes from plants and animals and inserting into our food to alter the genetic engineering. In 1984, GMO’s were first introduced when a plant was modified from antibiotic resistant tobacco. In 1994, genetically modifying food was approved by the FDA and theRead MoreGenetically And Genetically Modified Foods1979 Words   |  8 Pages Genetically modified organisms are plants and animals that have been biologically engineered with the DNA of other plants, animals, bacteria, etc. Such modifications and combinations cannot occur in nature through crossbreeding or by other organic means. While commonplace in the vast majority of our marketplace, the information and nature of genetically modified foods is not as common. Information is, in fact, available on these genetically modified products, but they have to be sought out. TheRead MoreGenetically Modified Foods1101 Words   |  4 Pages Ever wondered what has been put into everyday food and what the impact is on human health? Approximately 60-80 % of everyday food has one ingredient made from genetically modified foods. When hearing â€Å"genetically modified food† people automatically think it is only bad for health, but there is also a good impact surprisingly. The one bad thing is that people do not know what types food have been modified because the re are no labels for GMO products. Even though GMOs have a bad impact on humanRead MoreWhat Are Genetically Modified Foods?1236 Words   |  5 PagesWhat are genetically-modified foods? The term GM foods or GMOs (genetically-modified organisms) is most commonly used to refer to crop plants created for human or animal consumption using the latest molecular biology techniques. These plants have been modified in the laboratory to enhance desired traits such as increased resistance to herbicides or improved nutritional content. The enhancement of desired traits has traditionally been undertaken through breeding, but conventional plant breeding methodsRead MoreGenetically Modified Foods1787 Words   |  7 PagesPart 1 Genetically Modified Food ‘With genetically modified foods I believe we have reached the thin edge of the wedge, we are messing with the building blocks of life and its scary’ - Malcom Walker, Chairman and Chief Executive of Iceland Foods (Quotes from Scientists). Genetically modified organisms or GMOs are plants or animals made by splicing the gene and inserting DNA from different species of plants, animals, bacteria, and viruses. These genes would not naturally result in a cross breed.Read MoreGenetically Modified Food1213 Words   |  5 PagesThis report evaluate about the genetically modified food that why we need this, what are its key issues and how we can overcome these issues? In the field of biotechnology, the vast development was observed in the last few decades comprising the manipulation of genetic material to generate animal and plants with certain desirable attributes. Genetically Modified/Manipulated Organisms frequently termed as GMOs, refer to organisms whose genetic material has been modified through recombinant DNA (rDNA)Read MoreGenetically Modified Foods1928 Words   |  8 PagesAre genetically modified foods assessed differently from traditional foods? Genetically Modified Foods (GMOs) are known to cause a swarm of controversy; a lot of experts disagree with the notion that if it’s economically successful, then the potential health risks found in Genetically Modified Foods can be overlooked. The questions someone must ask themselves is this, can the Genetically Modified Foods be helpful? Does money matter more than your health? Ask yourself these questions. But before

An Internship With The United States Navy As A Civil Servant

In high school, I was selected to participate in an internship with the United States Navy as a civil servant. I was placed into a rotational position, so that I could learn and understand multiple aspect of the civilian life instead of choosing one path and sticking to it. I worked in the contracts department, on a source selection, with the Budget Financial Manager, on the education team, and as part of the demilitarization team for a squadron. During my time there, the organization created the Pathways Program that involved writing an Individual Development Plan (IDP). Each intern was required to create an IDP. This document was not intended to be a performance evaluation tool, but it is used to track short-term and long-term goals as†¦show more content†¦It says that the intern, the employee, and the supervisor will hold eachother accountable for the success or failure based on the intern s career goals. The IDP helps the organization establish what training it needs to provide for its employees, aligns the employees goals with the goals, mission and values of the organization, and provides an administrative mechanism for identifying and tracking development needs. It also helps the organization establish the weaknesses of their employees. This relates to the administrative mechanism because if the employee weaknesses are identified, the organization can create development programs to offset those weaknesses. There are five steps in the IDP process that are intended to make it a useful and living document, living means that it can be changed at any time. The first step is the preparation step. In this step the employee and supervisor prepare independently for the meeting. In the second step, the employee and supervisor come together to discuss strengths, areas for improvement, interests, goals and organizational requirements. The third step is used to complete the IDP with the supervisor and the fourth is the implementation of the plan. Training and development are completed or worked on in this step. Lastly, the supervisor evaluates the usefulness of the training and development experiences. One of the key features of this program is prior preparation and continuous feedback. Before the intern can

Should Capital Punishment be legal in the U.K free essay sample

Should Capital Punishment be legal in the U. K? A poll taken showed that 60% of citizens in the United Kingdom wanted Capital Punishment re-instated, even more people wanted it in cases of murder with Police Officers or children involved. Capital Punishment is the most severe deterrent or retribution in existence and aims to deter future obligates from committing such heinous crimes for which the death penalty would be apportioned. The principal of this being that the future criminal will be so afraid that the idea would be banished from their mind. This form of punishment also helps to protect society from such orrific crimes. Some Christians believe that it is more important that society is protected than the reform of the criminal and it falls under the teachings of the Church to obey. Others believe that it is Gods will to choose who suffers or lives. It is mine to revenge, I will repay. Romans 12:17-19. This is a reasonable argument in Christian law, so most would let it be introduced again. Jesus was crucified though for things he had done and had to pay with his life, so why should capital punishment be different? The death penalty is consistent with Old Testament Biblical teaching, nd suggests that God created the death penalty. In total, the Old Testament specifies thirty six capital offences including crimes such as idolatry, magic and blasphemy, as well as murder. But many Christians dont think that is a convincing argument they say that there are thirty five capital offences, in addition to murder, described in the Old Testament. As these are no longer capital offences, Christians say it is inconsistent to preserve murder alone as a capital crime. Many Christians believe that God commanded Thou shalt not kill (Exodus 21 :13), and that this is a clear instruction with no exceptions. In light of the word of God, and thus of faith, life all human life is sacred and untouchable. No matter how heinous the crimes [the criminal] does not lose his fundamental right to life, for it is primordial, inviolable, and inalienable, and thus comes under the power of no one whatsoever: Father Gino Concetti, L Osservatore Romano, 1977. This quote shows how even if someone has done something so horrific they shouldnt be condemned to death and that Only God should create and destroy life. This argument emphasises forgiveness and compassion. On the other hand, most Muslims agree with Capital Punishment ecause it is the punishment for certain crimes stated in the Quran (their Holy book). Some Muslims disagree with this however as it is not stated compulsory in the Shariah, and for non-religious reasons. Take not life, which God has made sacred, e xcept by way of Justice and law. Thus does He command you, so that you may learn wisdom. Quran 6:151 But even though most Muslims believe the capital punishment to be allowed, forgiveness is preferred. They believe that even though there may be more severe punishment in the hands of God for a crime; there should still be earthly punishment. Most Buddhists disagree that as capital punishment is not showing compassion for all life and non-violence like the Doctrine states. An action, physical and mental pain to another being, The Buddha. This shows that the Buddhist way to stop criminals would be in favour of reform rather than deterrence, and that the offenders rehabilitation into society should be of upmost importance. They will most probably retain Capital Punishment though because of the difference between complete practice of the religion and the superficial other way in which many of the laws are not upheld. Others could be belief by politicians that capital unishment is necessary for retribution, cultural customs, or for deterrence value, a long tradition of capital punishment in a particular country, keeping order in society is seen as more important than Buddhas teaching, reaction to long periods of political unrest or economic instability. Judaism also has conflicting ideas for and against Capital Punishment. Anyone reading the Old Testament list of thirty six capital crimes, might think that Judaism is in favour of capital punishment. However, they would be incorrect. Jewish courts very rarely imposed the death penalty; the state of Israel has abolished the death enalty for any crime that is now likely to be tried there. In recent times many Rabbis have actually taken lots of measurements to ensure that it will not happen again. Interpreting texts in the context of Judaisms general respect for the sanctity of human life, emphasising anti-death texts such as the commandment Thou shalt not kill, interpreting texts to make them very narrow in their application, refusing to accept any but the most explicit Torah texts proposing the death penalty, finding alternative punishments, or schemes of compensation for victims families, imposing rocedural and evidential barriers that made the death penalty practically unenforceable. Overall Judaism appears to be the religion most against the Capital Punishment as a whole form. Christians dont have any strict rules to say that it should be forbidden and this is also the case for Muslims. Buddhism is mostly against it as punishing an offender with excessive cruelty will injure not Just the offenders mind, but also the mind of the person doing the punishing. Another Religion which believes that peace and forgiveness should be used rather than pain and punishment is Islamic. I believe that there should be a new court system ntroduced to be specifically used for crimes that are considered under the jurisdiction of the death penalty. The crime should first be Judged in an ordinary court and then pass to a higher court if the result is inconclusive. Extremely horrific crimes however will not be passed on and the penalty shall take place privately with only family and friends knowing of the event. This way the majority of cases which involve terrible crimes should be lowered as the criminal shall be deterred from committing them. This however has some negative aspects because the criminal has no chance to reform from their deeds and be introduced back into society.

Play Therapy free essay sample

An analysis of different methods of play therapy and their successes and failures when dealing with children. This paper is a detailed examination of play therapy and its purpose. The writer provides an understanding of what play therapy is and how it is administered. The author describes how it is mainly used with young children who are too young to participate in an adult-like therapy setting. The paper details the process involved in the administering of this type of therapy, including the setting, the duration of the sessions, the method of evaluation and in what situations this therapy is used most successfully. The paper then discusses the different types of therapy and when to apply them. Research has determined that this type of therapy is most effective for children between the ages of 2 and 10. The therapy is effective in this age range because it is the age range in which children communicate best through play and do not communicate as effectively through their verbal skills. We will write a custom essay sample on Play Therapy or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The children are encouraged to choose any toy they want from the hundreds of choices presented in the therapist office. They are also encouraged to play in a sand box in the office because sand has been shown to be relaxing for the patient.

Descriptive on Norway Essays

Descriptive on Norway Essays Descriptive on Norway Essay Descriptive on Norway Essay Oslo: the blue, the green, the city in between Lucie gafratov? ¤ Carolina Sanchez Charlotte Parr? © Graziella Maria Ottarda Buskerud University College TABLE OF CONTENTS: TABLE OF CONTENTS: 2 I-BACKGROUND INFORMATION ABOUT THE EVENT: 3 Ill-ANALYSIS OF THE MARKETING ENVIRONEMENT WITH TOURISM TO JUSTIFY OUR TARGET MARKET: 5 1) competitors: 6 IV-DISCUSSION OF SEGMENTATION AND POSITIONING: 6 V-DETAILED ANALYSIS OF OUR TARGET MARKET: 7 VI-THE 4 ps (PRODUCT, PLACE, PROMOTION, PRICE): 7 1) prices: 7 2) Place: 9 3) Promotion: 10 4) Product: 11 VII-CONCLUSION: 12 References: 13 I-BACKGROUND INFORMATION ABOUT THE EVENT: Oslo is the richest growing city in Europe. It is now evaluating the possibility of organizing the winter Olympic games 2022. In fact, the city council decided to establish the city Agency Os102022 which main task is to develop a plan for the winter games. Oslo is possibly the only city in the world to be able to organize the winter Olympic games in an urban setting. Indeed, it has a special location between fjords and forests, and for this reason the theme of the Olympic games will be: Games in Oslo has become a multicultural city, which attracts people from all over the world. One of the main points of the plan is how this Olympic games can help the city to improve its structures, and how will it be the after-use of the facilities that will be built for the games? Lots of sports facilities will be built; planning, development and staging in the 2022 event will increase competence in many areas. Olympic games values promote equal rights, friendship and solidarity; Norway has solid traditions that mirror these values. Olympics are a combination of sport, education and culture, so games could be a positive impact in society. The games are a unique opportunity o present Norway like an exciting country for winter sports. Lots of facilities will be built there such as the Athletes Village, the Media Village, the Main Press centre, a new train station; the cycling and walking paths will also be extended. Furthermore, after the games villages will be sold, converted in student housing or in nursing homes. Most of the competitions will be staged in Oslo, but some of them will be organised in Lillehammer. The city council calculate that public expenditures related to 2022 Olympic Winter Games will total between 20 and 23 billion Norwegian Crowns. Public sector costs are related to planning and staging of the Olympics, as well as investments in permanent facilities. Finally, Olympic games are the most important goal in an athlete career. Athletes are important in inspiring people to take part in sport, sport is a universal language, and it is a good opportunity to establish relation with other people. l- INTRODUCTION: Since the dawn of time Norway intends was always about protecting its natural heritage by linking together the notion of ecology and education. Indeed Norway has a unique relationship with nature. Ecological habits are integrated into everyday life, in education as well as in the common rules of living together; recycling is taught from childhood, cycling is extremely widespread, and children learn about plants and animals from a very young age. Cities in nature, and not nature in the city is the motto of city planners in Norway. Being Green, saving our environment and eco- tourism was for us a duty and evidence when we created our tour in Norway. In accordance with the environment rules and Norway belief: Water Conservation Energy Efficiency/Conservation Eco-Friendly Landscape Eco-Friendly Purchasing Practices Waste Reduction/Recycling Our choice went for dog-sledding, which with its minimal carbon print and low impact on the environment was for us the best way to discover Norway in all its glory. Dog sledding is your chance to see nature up close and personal. With no noise or smell from a gas powered engine you will feel connected to the wildlife of our country. Dog sledding is eco-friendly! Help us in protecting planet Earth. Therefore we decided to use the strategic placing of many Olympic venues at the dge of the city to create a great transportation alternative of getting around the city. Dog mushing offers an experience from northern Norway Just in the capital of the country. It fits completely to the whole Olympic concept and its desire to attract plenty of different kind of visitors. Thus, one of the most important advantages is our transportation, which doesnt harm the nature and provides a close contact with it. Still it is relatively quick because it does not need the urban infrastructures and goes by the most direct way from place A to place B. We choose four venues at the edge of Oslo and three venues, including the city centre, in Lillehammer, which were the most suitable. We eliminated some of the venues like KvitfJell since it was too far for our mean of transport and some halls and stadiums in the urban area of Oslo for their inaccessibility. A dog mushing tour from one venue to another is attractive for so many types of the Olympic visitors of Norway. We are focusing mainly on families with children, couples of all ages and simply anyone who is fond of the Norwegian Olympic concept, the environment and belonging mostly into the middle-income roup at least. Ill-ANALYSIS OF THE MARKETING ENVIRONEMENT WITH TOURISM TO JUSTIFY OUR TARGET MARKET: Olympic games could have a powerful impact in promoting a city, and many factors that determine the long-term impact of games are beyond the host city control. Last winter Olympic games were hosted in Vancouver in February and March 2010, a report done by PriceWhterhouseCoopers show that 650. 000 visitors arrived in Canada for the games, 242. 000 visitors were from Canada, 324. 000 from United States and 83. 000 visitors from other countries. Lots of Canadian support the Olympic games nd 9 out of 10 indicates that Olympic games had a positive impact on tourism. About 2/3 of tourists for the Olympic game in London were from Europe, we think that this trend will be confirmed also for the Olympic game in Oslo, tourist attraction increase after the Olympic game thanks to the new infrastructures built and the advertisement done for the games in fact also data from euromonitor shows that in Norway the majority of tourist come from Europe or from the region. Lots of tourists visiting the city. We think that for these people who will come here during the games, ur offer could be a great opportunity to know some traditions of Oslo. There are a lot of different kind of tourists who come for the Olympic game: families and their babies (in Norway birth rate is very high and there are lot of policy in favour of families), young people, couples and singles of all ages, people interested in sports, reporters, athletes, local people or volunteers. 1) Competitors: In the South of Norway we can find operator in Telemark region, and in Sirdal there is the Sirdal Husky farm. In Bykle near Hovden we can find Hundespann operator. We hink that competitors would not influence our offer because they arent that close to Lillehammer or Oslo. IV-DISCUSSION OF SEGMENTATION AND POSITIONING: The marketing segmentation is a strategy that involves dividing a board target market into subset of consumers, who have common needs, and then designing and implementing strategies to target their needs. Segmentation is useful to maximise financial resources, there is not a correct unique way to segment a market but there are four methods to segment consumer market: geographic, demographic, psychographic and behavioural. We thought that we could do a psychographic and behavioural segmentation. There are lots of different kinds of tourists that are attracted in Oslo for the games: People who have middle high income (high budget traveller) Couple and single people interested in sport People who dont need a fast way to transfer from one attraction to an other (tourists and not athletes) People interested to protect environment and dogs (eco-friendly) and who want use green means of transport Families Young people Reporters Local people Volunteers We think that there are great possibilities for our project to reach different kind of ourist in particular high budget traveller because our offer is quite expensive, but also families with children who are very attracted by this kind of experience. Moreover this offer could attract people interested in nature, green means of transport and to discover Norwegian traditions in a pleasant way. We think that these groups of people are the most important for us. We also believe that athletes, media, volunteer are not interested in our p rogram because they dont have enough time during the competitions. Our positioning is high, because to do this program tourists have to pay a lot. Targeting a market means selecting the most attractive segments and developing a marketing strategy ad hoc for this target. For a segment to be targeted it needs to fulfil certain criteria: accessibility, values, needs and wants of segmentation must be compatible with the offer; the target must be large enough to support the business and for these reason it must be measurable. It also must be relevant, homogeneous and durable. Our target market is represented by: People interested in dogs and nature People who want to find a greens means of transport Family with babies, they usually be fascinated by dog People who visited Norway for the fist time and want to discover traditions People with high income We think that this group of people is large enough and could guarantee the success of our offers. Family with babies will be very important for us because we will offer great opportunity for them to have fun. VI-THE 4 ps (PRODUCT, PLACE, PROMOTION, PRICE): 1) Prices: Our company propose you two destination to go by dog sledding in Norway, which host some parts of the Olympic Games. Oslo: The first trip offered will make you experience the capital, Oslo, suburbs. Indeed, our eeting point is at Wyller a Vinterpark in Oslo west and will finish in the east at Huken. Our Journey will make you discover two other cities Holmenkollen and Grefsenkollen and the mountains between them. General information: -Duration: 2h30min -Difficulty: Easy -Accessibility: From 2 years old -Weight limit: 240 pounds (140kg) -Price per person: NOK 900 Adult (from 10 years to older) NOK 450 Children (from 2 to 9 years) Lillehammer: The second trip proposes a taste of a Norway more rustic and less populate. From Lillehammer to HafJell with a stop in on of the most beautiful city Hunderfossen, this our will be a true breath of fresh air. General information: -Duration: 2h -Price per person: NOK 800 Adult (from 10 years to older) NOK 400 Children (from 2 to 9 years) Furthermore, we understand that a daytrip might be too long for certain person. To answer the need of our entire customer we decided to create a tour where you have the opportunity of visiting only one or two cities. The price will depend on your destination. Further information: In accordance with the price, our company put to your disposal accommodations along the trip, to make it as confortable as possible. Whats included? Dog-sledding tour (as rider/ passenger) -Experienced musher guidance -Halfway break with picture and petting timeo -Warm suit and pelt (for the passenger) -Visit of the kennel with introduction to each dog -Learn the musher required skills and basics Dog commands -Lots of participation and Fun -Certainly your best day in Norway! If you have any questions, do not hesitate to contact us! 2) Place: Our facility is meant to be located both in Oslo and Lillehammer. In Oslo we plan to connect Vinterpark Wyller (boardercross, skicross, halfpipe, slopestyle and slalom isciplines), Holmenkollen (ski Jumping, cross country skiing and Nordic combination), Grefsenkollen (aerials, moguls) and Huken (biathlon). These venues are situated at the edge of the city, so the tracks wouldnt be led through the built up area and the clients would have a nice view of the city from the hills. It represents a smart way of getting around the city faster than walking, more convenient and greener than the public transport or even going by car. We are not planning to add more of the venues in Oslo now, because our offer might lose its attractively and uniqueness. nd the city would be Joined. The last place, KvitfJell, is out of the game now, as its very remote for our type of transportation. The choice of our placing is representing our idea of providing an exclusive moment in an Olympic day to get the feeling of other type of experience. We dont tend to have half-day or even longer trips, which gives us the ability to be flexible and fast to be ready in our supply of the service. The main way of selling our product is the direct one on the Internet and personally at our track stops near the venues: Holmenkollen, Wyller, Grefsenkollen, Huken, HafJell, Hunderfossen ans Lillehammer city. However, its good to have reseller as just separately, or we can cooperate with tourist information offices as well. 3) Promotion: Promotion is one of the most important parts of marketing strategy because influence intermediaries opinions and increase awareness of service. Promotion includes elements such as: advertisement, sales promotion, personal selling, public relations and direct marketing. Our most important way to promote ourselves will be the creation of our website where we will put all the information about us. We use ifferent way to promote our offer: On line marketing: banner in the Olympic webpages, banner in sport web site and site that will show games on line Brochures in tourist information offices, and tourist agencies, and some brochures will be distributed by promoters during every event Posters in public transport, in the main street of Oslo and Lillehammer (such as Karl Johans gate), at the venues (such as stadium, halls), in ticket sellers place, Commercials on TVs and radio, and on newspaper In every adds there is a QR code that tourist can use to access to our website directly o have more information about our offer and to know the nearest point where they can do this activity. We will also use SEM strategy to put adds on Facebook pages of people interested in Olympics and who have child. We encourage the purchase by using discount coupons for big families with more than 2 children (the third child pays half of our price). 4) product: The service we propose is a new way for th e Olympic Games tourist to travel between its ventures in accordance with the Norwegians state of mind. Therefore, we would like to introduce the mushing-dogs activity. Nowadays we can find 3 classifications of mushing: utilitarian, recreational, or competitive. Thus our service will be utilitarian and recreational since we will use the easiest and most common to travel, with a comfortable sled made of Kevlar and fur. Back in time, French people were the first to usher in the world the knowledge of dogs mushing. Indeed, following the discovery of the Gaspe Peninsula, French men known as coureurs des bois (runner of the woods) learnt the Iroquoiss culture and blended it with their own culture. Dog mushing was then introduced to people. Sled dogs are very similar to wolves in term of shape and size. Sociable and docile they have the same loyalty than dogs and are regarded as pets. We usually see this kind of activity mostly in the North of Norway. Thus, we would like to implant it in the capital, Oslo, for the Joy of Olympic Games tourists. We offer two different trips on the suburb of Oslo. The first will be around Oslo; it will start in Wyller and finish in Huken. The second trip starts in Lillehammer and finish in KvitfJell. The difference between this two will be the scenery, the time it takes to go to one city to another and inally what games you want to watch. Afterward the customer will have to choose the most appropriated according to their wants. Our service will also allow visitors to communicate with dogs, learn to control them and to enjoy one of the most popular transports in Norway. Being connected with the nature and enjoying the best scenery and landscape is a fascinating way of seeing our country. The families or couples can then experience the Norwegians way of life by visiting these places with dog-sledding. On these places you would be able to see he Ski Jump or many snow activities, always in accordance with the Olympic Games. In fact, two of the cities we propose are the most famous ski resort in Norway, HafJell and KvitJell. Since mushing is for everyone, we even have activities destined for the children. They can play with the dogs and take care of them; the parents can also do it! Therefore we decided to create a place where the dogs will be taken care of and if its needed to let them rest for a bit. Furthermore a teaching class will be organised if the tourists want to learn and know more about the mushing and the dogs. This class will explain ow to handle the dogs and some knowledge about what to do in certain situations for your own security. To guarantee our customers security it will not be allowed to ride alone, they will always have a person in charge with them. Thus, the person will provide you some story or explain new things along the way. We decided to choose this activity because we think that it is an opportunity for all the people who want to see in a different way the Olympics Games in Oslo. We believe that it is a completely different experience, funnier to associate with the Olympics Games. To summarize, you have to ry it! Mushing dog activities involve different values: environment respect, fun for children, discover of Norwegian traditions in an unusual way. Olympic games are the main reason to develop this offer but in accordance to the games politics it will be possible to use our structure even after these events, in particular, the building where we take care of the dog and the activities for the children. References: afr. com/p/ olympic_tourism_impact_is_complicated_6fTAPM7KefzR4bOqsSww5L http:// . american. edu/TED/lille. htm olympic. rg/Documents/Games_Vancouver_2010/ Factsheet_Vancouver_legacy_February_2011 _eng. pdf huffingtonpost. ca/ 2011/10/27/vancouver-olympics-economic-benefit_n_1035427. html http:// www. visitnorway. com/en/what-to-do/active-holiday/ridingsledging/let-the-dogs-do- the-work/ 0122. no/ http://goscandinavia. about. com/od/winteractivi ties/tp/dogsleddingnorway. htm http:// www. golinfo. no/en/winter/dog_sleight/ blm. gov/ak/st/en/prog/nlcs/iditarod/history/people/mush_hist. html http:// library. thinkquest. org/TQ0312758/history. htm International Tourist Arrivals: Euromonitor from trade sources/national statistics