7A testing the hypothesis

National debt increasing
~Opportunity:
- More Americans are seeing them selves in debt and now it is even starting at a younger age which is the future of America.

• The who: Anyone that is in debt
• The what: They are the ones that took out loans or any other form of money.
• The why: The use to have a sustainable life in society today.

-Testing the who: Everyone in America wants the newest and biggest of everything. Trying to better their friends to show off to just have a name brand product. Not even with that as a concern college and universities cause younger students to have more debt than ever. Right when they get out of school they have a bill slapped to them ready to be paid. Also, anyone that needed to go to a bank for personal reasons and needed to get extra money has that cloud over their head on wondering how they are going to be able to pay it off.
- Testing the what: Many people take out a loan of money or some sort of consideration to better themselves in the future, but what they do not see is the interest rate that is handed with it in return. Now their problem just got a whole lot bigger and are even more worried when and how this will ever get paid. More people are loosing their jobs and just putting everything on a credit card. This is just adding more debt to our country because people cannot even pay off what they buy.
- Testing the why: People do this to have a line of security and do not realize how bad it gets when it actually gets there. They need the money for what ever circumstance and are willing to pay the consequences if not paid back. This is a gamble that most people are willing to take because they are in desperate need for money and will push their problems longer down in the future as well.

1. Interviewer 1: I found out from an older woman that she at one point had $20,000 in credit card debt. She simply said it was just so easy to swipe I forgot what I was even buying. At that point she knew she had a problem and was just brushing it off every month but every month she had to pay for home expenses that went right on her credit card. Credit card debt was the most scariest thing in real life that happened to her because it was always over her head each month.
2. Interviewer 2: This interview was with a second year dental student. When I asked him about the amount of money he already owes the school he didn't even reply. He is worried he will not enjoy his life after dental school till he finishes paying off his loans. Most people that go to medical school says there schooling takes them 30-40 years to pay off. The amount of money he is going to have when he graduates is sickening as he puts it. He will be 29 and $300,000 in student loan debt.
3. Interviewer 3: I interviewed a middle age man and asked if he has had any debt.  He said in his early years his bit off more than he can chew and now he is paying for it. He bought a house way out of his price range and could not make payments on it. The lender that he got the money from was sending him notices and increasing the interest rate tremendously. He lost the house because he wanted to initially impress his friends even though he never had the money for it in the first place. Paying back the loan and living in a small apartment he said was not what he intended on doing as a middle aged man.
4. Interviewer 4: I wanted to get a view from an elder person so I asked an elder lady about debt. She said she has had it before and still has it now. Living off of social security and having a minimal pension she still has to use her credit card to make ends meet. She refuses to ask her children for money because she said they have their own financial problems and things they have to pay for. Being elder and having debt is a worry because working her whole life and finally retired is obviously not good enough to life a comfortable life.
5. Interviewer 5: My last interview was with an 18 year old girl. I asked her about debt and she said she does not have any yet but gets credit cards in the mail for her to apply for. Her parents are drowned with debt she said. She hates asking for extra money or anything from them since she already knows how rough it is to pay for the bills in the house so she tries to come up with ways to avoid that situation. She told me her goal is to at least not have any debt when she is in college. 

~Given my interviews I did not know as an opportunity was:

• The older woman that had $20,000 did eventually pay it off but she said she work longer hours of her day and took on more shifts at work to make that nightmare go away. With her determination and will she was able to go over that hill and move past it. She now has a budget list and only goes based off of that.
• The dental student is still worried about how is going to to pay his student loans off but he said he enjoys what he is learning and make the best out of his life even if there is a burden above his head each month. Good news is that he already has a job at a local dentist near his home so he can not worry about how he is going to pay for it when he gets out of school.
• The middle aged man realized his mistakes in life and now is owning up to them. He did and still does have a spending problem and needs improvement. showing off things to impress people is only going to hurt you in the end because they are not the one paying for it, you are. By living in a smaller place he is trying to manage his money a little better and not buy it on foolish products.
• When I interviewed my fourth person I was heartbroken she lived a good hard working life providing for her family and when it is time to relax and retire she simply can not live a sustainable life. Her strong attitude for not asking her children for money proves that nothing was handed to her and she is still willing to fight for a stable life.
• My last interview was a special one. She already knew the dangers of debt and was doing anything possible to avoid it in the future. Knowing not to ask her parents for money speaks volume since she already knows they have a lot of responsibilities that they need to take care of instead of the wants of a teenage girl.

6A- Identifying Opportunities economic and regulatory

1. Economic- Global Competition
a) I found it on new American economy https://www.newamericaneconomy.org/issues/. I was thinking how America is so competitive in everything that it sometimes causes problems for the country.
b) By having immigration a huge topic America is supposed to be open to all countries legally. It seems as if Canada hand out 60% more green cards to their immigrant than our own country.
c) This problem occurs for all incoming immigrants to America and the ones that currently live here and have to go through the tedious paperwork do they can remain here legally.
d) This is a mixed topic to talk about because if other countries are willing to give out green cards to immigrants than I do not see why it would be an issue for America to do as well. We are called the melting pot for a reason but it seems as if letting others in is on hold.
- I find this opportunity as a huge one because we as a country are supposed allow people to come to our country for the better and having them not get a green card as fast of easy as other countries worries me because as America we are a mixture of all different cultures.

2. Economic - International Students
a) I found it on new American economy https://www.newamericaneconomy.org/issues/. This opened my eyes on all the international students that come to America for education and then in return make our economy growth with their knowledge.
b) This might be an opportunity because as the international students get the great high paying jobs the native Americans are having to work a little harder for them to stand out.
c) The customer for this opportunity is international and national young people.
d) It is relatively hard to exploit because the international students are here on a visa and when they land a big firm they become a citizen.
-I see this opportunity because as a native in America I work so much harder and not having that edge that many international students makes it difficult at times to land a job or internship.

3. Regulatory -Health care
a) I found my source on Deloitte's website pertaining to the changes they are making to their health care program.
b) This might be an opportunity that exist because people with current health care programs might not get the same benefits anymore or have to start paying higher prices for health care.
c)  This opportunity is for anyone that works with this firm or is applying for this firm and has not done their recent updates about the company.
d) I think it is relatively hard to exploit because this firm is so big that they can do and switch anything they want and do not have to oh bide by anyone since it has their own money.
- I find this opportunity huge because some of the people that work at this firm depend on their health care for their personal well being.

4. Regulatory - Data Privacy
a) I found my source on KPMG's website and they are adding and changing a few things to their data privacy section.
b) This might be an opportunity that exists because yes they might be securing the data on their software but the people working at this firm will have no privacy if all of their screens and accounts are always being monitored.
c) This opportunity is for anyone that works at KPMG.
d) I think if everyone in the company can come together and go against their privacy rights it can go smoothly but most likely they will stay quiet because their jobs are on the line.
- This to me is a big opportunity because many big firms think they can control everyone inside of it and by looking at their every move or click on their own data.

5A

1.~Changes at the Hard Rock
  ~https://infoweb-newsbank-com.lp.hscl.ufl.edu/apps/news/document-view?p=WORLDNEWS&t=pubname%3ASFLB%21Sun%2BSentinel%2B%2528Fort%2BLauderdale%252C%2BFL%2529/year%3A2019%212019/mody%3A0529%21May%2B29&f=advanced&action=browse&format=text&docref=news/173B990DC0F233E8
~ This article basically states the construction of the Hard Rock casino and hotel that has been going on for years. The writer explains the new restaurants and the amount of rooms with the amenities that come along with the construction.
~ The problem with the article is that there has been construction for many years now and the casino is still trying to remodel. This causes the guests and locals to not have a pleasant stay or drive by it when they are around the property.
~ The locals in the area would have the biggest problem with this. This construction cases traffic to build up and noise for the neighboring properties that live near the construction.

2. ~ Snake slithers out of toilet, bites Coral Springs man
   ~ https://infoweb-newsbank-com.lp.hscl.ufl.edu/apps/news/document-view?p=WORLDNEWS&t=pubname%3ASFLB%21Sun%2BSentinel%2B%2528Fort%2BLauderdale%252C%2BFL%2529/year%3A2019%212019/mody%3A0529%21May%2B29&f=advanced&action=browse&format=text&docref=news/173B990E36273C48
~ This past Memorial day weekend a man went to use the bathroom and as he lifted the toilet set a 6 foot snake came up and attacked his arm. The snake was not venomous and the man was treated properly. No one know how or when the snake appeared, they suggest that it maybe made its way through the pipes.
~The problem is how did a snake end up in a mans toilet and then resulting in an attack from it. It is unknown but if the snake was venomous the situation could have been much worse.
~ The man that was bitten has the problem and an officer said this is a more common incident that is happening now and more people have been getting snakes and iguanas in their house by pipes running through their house.

3. ~ For Broward teachers, paid maternity leave is overdue - another viewpoint
  ~ https://infoweb-newsbank-com.lp.hscl.ufl.edu/apps/news/document-view?p=WORLDNEWS&t=pubname%3ASFLB%21Sun%2BSentinel%2B%2528Fort%2BLauderdale%252C%2BFL%2529/year%3A2019%212019/mody%3A0529%21May%2B29&f=advanced&action=browse&format=text&docref=news/173B990CEC96FE48
~ This section describes the hardship that women as teachers go through not having the financial support if they want to start a family. Their pay is to low and they do not have a good insurance premium like Miami Dade and Palm Beach. Many teachers want to have a family but with out maternity leave and the benefits to help them out it is simply out of their book.
~ The problem is there are insufficient funds going to teachers in Broward county on in particular is maternity leave with the insurance premiums.
~ All teachers in Broward county are having this problem and every year the county says they will raise their income but never does.

4. ~Man, 70, charged with getting girl, 13, pregnant
  ~https://infoweb-newsbank-com.lp.hscl.ufl.edu/apps/news/document-view?p=WORLDNEWS&t=pubname%3ASFLB%21Sun%2BSentinel%2B%2528Fort%2BLauderdale%252C%2BFL%2529/year%3A2019%212019/mody%3A0529%21May%2B29&f=advanced&action=browse&format=text&docref=news/173B9906FA9ED600
~This article describes a man having sexual encounters with a 13 year old girl. She was 14 weeks pregnant with his child. He is serving 3 types f charges with no bond. He said it was consensual but the Florida law does not think it is consensual under the age of 16.
~ The problem of the story is this young girl is going to have this over her head the rest of her life and always remember what he did to her. For her and many other young ladies in the world this happens to people so much lately.
~ In this case the young female has the problem because she is so young to have a child with a man that raped her and having the thoughts of the man in her head will definitely make her think of things differently.

5.~ Sources: Driver who killed 3 teens smelled of alcohol
  ~ https://infoweb-newsbank-com.lp.hscl.ufl.edu/apps/news/document-view?p=WORLDNEWS&t=pubname%3ASFLB%21Sun%2BSentinel%2B%2528Fort%2BLauderdale%252C%2BFL%2529/year%3A2019%212019/mody%3A0529%21May%2B29&f=advanced&action=browse&format=text&docref=news/173B990A19DF94B8
~ Three young boys were on their way to go to soccer practice and a SUV with a driver being intoxicated and having a suspended license lost control and drove right into them. All of them were pronounced dead and there is a warrant out for the woman that did this horrible incident.
~ The problem is that drinking and driving has and is still currently a problem to society. This causes so many deaths each year and not being to have this under control is absurd.
~ This is now the family and friends personal problem and investigators to go and find the woman that did this terrible act to those young 3 boys.

4A- Forming An Opportunity Belief

I believe there is a unmeet needs in tobacco products like cigarettes or a Juul. Many people are starting at a younger age to smoke tobacco products and even inside public buildings. There is proof that the use of tobacco does have a connection to lung cancer or even being around it and having second hand smoke, www.mskcc.org. 80-90% of people that smoke with tobacco products get lung cancer. Out of that percent 23% of them are men. With having Juul to prevent tobacco use it only opened up the doors for younger people to try it and get addicted to it. Many kids to it in the library, cafeteria, and in many offices. The tobacco becomes apart of them but it is only harming them in the long run. Studies show that 16 times the amount of teenagers are likely to smoke tobacco products based off of a Juul. Many people do not look at it as an opportunity but in the later years people definitely realize they need to change for the better.

#1 Early twenties male single
-Have you ever smoked a cigarette or a Juul?
~"Yes, I actually use my Juul everyday", "Why?", "I just got so used to it, I need it now."

-Do you ever think you are going to get lung cancer from it?
~ "No I haven't, it really never crossed my mind".

-Did you know 80-90% of people that smoke tobacco products tend to get lung cancer?
~ "I knew some people did but I didn't think that many."

-Did you know 23% of men out of that 80-90% do get lung cancer?
~"No I had no idea about that."

-When did you become aware of the Juul or cigarettes?
~ "Probably early high school, everyone was smoking the Juul so it just became a thing to do."

-How do you prevent tobacco products? Are you happy with this?
~"I try to only smoke 3 times a day and yes I am happy with this."

#2 Mid fifties single woman
-Have you ever smoked a cigarette or a Juul?
~ "Yes cigarettes, but many years ago.", "Why?", "I was a popular thing to do when I was young."

-Do you ever think you are going to get lung cancer from it?
~"I do not like to think about it too much because I know tobacco isn't good for you especially as you get older."

-Did you know 80-90% of people that smoke tobacco products tend to get lung cancer?
~"Yes, I knew there was a possibility but not that high."

-Did you know 23% of men out of that 80-90% do get lung cancer?
~"No, that is new to me."

-When did you become aware of the Juul or cigarettes?
~"When my aunt lost her life to lung cancer and that made me look at it differently."

-How do you prevent tobacco products? Are you happy with this?
~"I haven't smoked them since my thirties and I am very happy about this."

#3 Foreign sixty to seventy married man
-Have you ever smoked a cigarette or a Juul?
~"Yes cigarettes all the time." "Why?" "Everyone from my country does it so I do it too still" (Italy)

-Do you ever think you are going to get lung cancer from it?
~ "No I do not look at life negatively."

-Did you know 80-90% of people that smoke tobacco products tend to get lung cancer?
~ "Nope, no clue."

-Did you know 23% of men out of that 80-90% do get lung cancer?
~ "Nope"

-When did you become aware of the Juul or cigarettes?
~ "When I was a teenage boy in Italy, and came over to America still smoking cigarettes."

-How do you prevent tobacco products? Are you happy with this?
~ " I don't, I still smoke when I want and how ever much I want and I am happy with this."

Reflection:
Whether you are old or young people do or have smoked tobacco products. What I have learned was in my friends Italian grandpa their culture is set up differently and have tobacco as a more social use at a much younger age. My mom friend is in her mid fifties and clearly is taking action to prevent any harm to her. My friend Dylan he smokes the Juul to have fun while going out but did not know all the health risks behind it.

Summary:
I still think there is an opportunity that needs to be changed. Only a small percentage of people know the health risks that go along with tobacco products. Being more educated before engaging in this type of act would definitely switch the statistics on if a person will smoke a tobacco product or not. By using these answers it helps me, an entrepreneur to develop solutions for these opportunities that people face day to day. By going off the main purpose of tobacco use I will then have to branch out in different sectors to fully get my solution fulfilled. Many people have their own perspective on tobacco use but by simply educating them before can make an impact before use.

3A- Your Entrepreneurship Story

An experience I encountered with entrepreneurship was with my brother. My older brother Erol, is sixteen years older and when he was in his late twenties life was rock bottom for him. He was a night club bouncer and saw that he needed to do something else with his life. He cam up with the idea of doing in-home health care. He wrote out business plans and many sets to achieve this plan of his. He spoke to his friends dad that is a doctor and he helped pave the way for his success. Throughout this process he always ask how the logos and the marketing was and I would give my brutally honest opinion. This process didn't come overnight, it took about two maybe three years to final see some progress. He just said to stay positive and if it fails just learn from those failures and try something new. I enrolled in ENT3003 because I heard it was a class that makes you think out of the box and you get to create your own fate in the class. I found that to be the best thing because I am so used to tests and quizzes but this correlates to real life. I hope to get out a different way of thinking as an entrepreneur and you it in my day to day life.

2A-Bug List

1. No air-conditioning in many Turkish homes in Europe.
WHY it exists: The nights get fairly cooler and they simply open the windows and many people are not home during the days so the hot air does not affect them during the day. The cost of air-conditioning is also a costly factor in this country.

2. The RTS bus route is not accurate on the weekend.
WHY it exists: There is less staff on the weekend leading to less bus drivers. This then thinking a bus will come in 15 minutes normally during the week will come around 30 minutes on the weekend.

3. Going to Forever 21 in the Sawgrass Mills Mall and nothing is organized.
WHY it exists: With having many tourists going to this mall, staff members can only do so much in their shift. Staff can never keep it organized unless they hire more people or put more people on their floor for each shift.

4. Waiting for a table at Outback Steakhouse in Coral Springs on a Friday night.
WHY it exists: Most people go out on Friday so there will be a high influx of people and the willingness to want to stay for their food.

5. Leaving a person on read in a text message.
WHY it exists: The receiver thinks the conversation is done or simply thinks the conversation is going no were and doesn't reply.

6. Ordering pizza at Domino's in Gainesville at 2 a.m. and them saying it will take 15 minutes but takes longer.
WHY it exists: There is a peak in orders at this time since many people are hungry from the bars and Domino's is understaffed at this time.

7. University of Florida's narrow auditorium isles when taking exams.
WHY it exists: Maximizing the amount of people per testing center knowing that for testing it is every other seat while taking an exam at the university.

8. Asking someone for their WIFI password.
WHY it exists: This secures someone's personal accounts that are linked with this wifi, but it is also nice that if you just unlock your phone and have your bluetooth on someone can airdrop the password to you and you will now have it.

9. Stepping on gum.
WHY it exists:  Most people do not see or do not care to throw their gum in a bin when they are done with it so they simply throw it on the sidewalk with different colors that you might step on that will stick to your shoes.

10. Still having popcorn kernels at the bottom of the bag.
WHY it exists: While following the directions on the bag it all depends on the placement of the kernels inside the bag. If the kernel is placed where no much heat is getting to it, it will not pop.

11. Canvas wants to do a maintenance the last week of school.
WHY it exists: The University knows that students are going to check their final or close to final grades this week and want to make sure everything goes smoothly for them, but by having one day shut down makes students very anxious and stressed.

12. No toilet paper in a bathroom stall.
WHY it exists:  Depending on when the cleaning is done might affect the stock of rolls of toilet paper. This could also mean that this bathroom gets more traffic than others and needs to be restocked much more frequently than the others.

13. Misplacing your home or car keys.
WHY it exists: Having so much on your mind day to day you tend to forget the simple things that come naturally to you.

14. Wearing white shoes on a rainy day.
WHY it exists: No one rarely checks the weather to compose their outfit for the day and they hope their shoes will still be in good condition.

15. When you pet a dog and your hand is covered in its hair.
WHY it exists: Most dogs do shed. To try and prevent this there are different brushes that one can buy or you can take your dog to a groomer and shave the hair off.

16. Having to scream on the phone to elder people.
WHY it exists: As we age our hearing goes as well. Most older people are too stubborn to think its not them and they are perfectly fine, the rare few get hearing aids.

17. Going to the McDonalds in Fort Lauderdale and gets more money back from your order.
WHY it exists: People are now programmed to read off a screen that tells you the new amount to the customer. People simply fail to add and do simple math.

18. When you go to Chick-Fil-a on a Sunday and they are closed.
WHY it exists: Chick-Fil-a has embedded in their culture that Sunday's are family day and you can come within Monday-Saturday. Sometimes we forget because we are craving their food.

19. Stubbing your toe on the corner of your bed.
WHY it exists: You know your bed is in the normal spot you just misplaced your foot maybe because of being lazy or not paying attention.

20. Spam e-mail.
WHY it exists: It is a sales and marketing tactic that most stores and companies do with promotions to purchase more products on their site.

Reflection:
I found this assignment a little difficult in the beginning since I had to think like an entrepreneur. When coming up with my 20 "bugs" I then realized how not only this might affect me but other people as well. As I was making my list larger the thought of them took much longer to process. By having why it exists is simply why it does exist but now taking it another step further is to create a solution if there is a problem. By the end of the assignment I sat and read all my "bugs" and became satisfied by all the examples I displayed to try and fix anything for others.

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