16A- whats your secret sauce

5 ways I have Human Capital:

1. Competition- I always do like a challenge and it makes me think faster or differently in order to reach my goal.

2. Command- When I ask for something to be done or do something I tend to get bossy and try to control the whole situation.

3. Significance- I look at this as doing something with a purpose. As a student time is very crucial and me doing a certain task better be significant to me to do it.

4. Consistently- This one is huge because if you do work that is not the same every time it reflects you every day and then people and co-workers look at you as slacking.

5. Deliberative- I do things that have meaning and purpose and definitely make it count towards my life.

Interview

Soundcloud(3 people) https://soundcloud.com/janan-civelek-958038735/tracks
youtube (2 people) https://www.youtube.com/channel/UCp7XGINM0rvUtKrKBZW0-bQ

Reflection:

As I was reading my family and friends responses about me I looked back and I saw that I do fit into those categories as well. I didn't really see then before until now and that I actually used them in every day life. This task was good because I got to see more of myself and grow even more as a person.  

15A- figuring out buyer behavior no.2

1. My first interviewee’s role was more on the business aspect. She wanted to know how the website and app will make money if the sites and app is to the public. This was a huge flag for me because in the beginning I was only trying to help the consumer and not worry about my income. Another factor that she brought up was how the website and app design are going to work out and she suggested to make it professional but not replicate a look that a bank websites looks like. This woman was solely brining up numbers and data that she wanted to know to help tweak and aid my business plan on helping people get out of debt or not have it at all.
2. My second interviewee’s role had a very creative mind. She believed in order for someone to buy something it has to look appealing and the price has to be right. She stated that since it is a website and app give a one month free trial and then if they continue to subscribe then automatically charge them on their desired card at the end of every month. By having this idea it not only gives the consumer it before fully investing in it and then seeing if he/she liking it and then becoming a customer.
3. My third interviewee’s was about how to make the product stand out see if the consumer will actually buy into it. The advertising that can be implemented with many banks and credit card companies to work hand in hand with them. If they recognize the big name brands of these companies and see a sign of my company they are more likely to buy and try the product. He stated just putting yourself out there and making the best out of you and the product will sell its self.
My summary on all my interviews were all good information and definitely aspects to add to my business plan. I was not how big packaging and branding is in a business but it is essentially the first thing people look at to see if they are interested or not. Another huge impact is how will the business make money and one of my interviewee’s made a clever point on how to make money successfully. 

14A- halfway reflection

1. What are the behaviors that you have used (or developed) to keep up with the requirements of this course? 
- I definitely became more organized and made sure to do everything before a deadline. Also thinking on opening a new business venture makes you be creative while also explaining with legitimate facts on why and how your business will succeed.
2. Talk about a moment or two when you felt like "giving up." What pulled you through? Do you feel like you've developed a tenacious attitude during the past two months? What experience or experiences most contributed to this?
- There was one the first week of class and the professor stated clear rules and outlines which made me overwhelmed but knew what he wanted. In the beginning I thought "oh gosh this is so much work I do not know how I am going to do this". I do feel like I developed a tenacious attitude since I knew what was asked and was determined and still is to do everything to my fullest potential. The experience that contributes to this was when I was going away for the weekend and I was not going to be near the computer, but I knew my school work comes first. I made sure all my course work was done so I organized my schedule and made everything work.
3. What are three tips you would offer next semester's student about (1) fostering the skills that support tenacity and (2) developing the 'tenacious mindset' ?
- (1). come up with a plan
      . think how it will help or aid the community
      . what tools or help will you need for this business 
(2) .be creative
     .its okay to take an idea that already exists but how will you make it unique and personal
     .ask for opinions and criticism to help growth

12A- Figuring out buyer behavior

1. The segment I chose was the minds of young entrepreneurial. The three people I have chosen were people that had a business plan idea but the difference was that they were all in different fields of work. The first boy was a UF student Brandon, that wanted to open up a health clinic to people that had low income but needed health assistance. The second girl Emily, was someone that had a passion for hair products so she wanted to open a business with anything to do to enhance your hair. The third person was a boy Ricardo, that had an obsession with cars and he wanted to sell and invent new parts of cars to make them go faster while adding style to the car.

Interview's :
1. What made you want to want to open a business?
Brandon- I have always loved helping people and this is a great way on displaying that part of myself.
Emily- I like having my hair to be perfect with different styles and showing them off to my friends and now I just needed the products that would work on every hair type.
Ricardo- Most guys my age are obsessed with their car and fix it up to make it go faster and louder I just want to make the parts that people add more appealing to the eye as well as go fast.
2. Do you see any challenges that you will face with your plan?
Brandon- Of course everything isn't perfect, but I am up for any challenge that comes my way.
Emily- Yes and that only women will buy my products and men won't even though it is meant for both sexes.
Ricardo- Um yes I think I will run into the price of the products because right now the price on my making a car faster is already expensive so I definitely would have to work on the price.
3. How would you promote and grow your business?
Brandon- I would go to local hospitals or offices and spread the word that I just opened up and hopefully people will come that way.
Emily- I would do a social media platform since that is very big right now and have an online website that people can purchase the products from.
Ricardo- I would go to body shops or places that sell any car parts and go from there. Also I would promote it my going to car shows and have a stand of my products that people can see.

What I learned: 
They all have different perspectives on their business plan but the one thing they did have in common was that they were short of money and were most likely going to go into debt to start a business. This is a huge concern because some start up businesses are a success while others do not even stay open for a year. This is a huge red flag since they do not have any capital behind them prior and are taking a leap of faith to try something out. It is great to have ambition but to have something actually work and be successful you need to have the drive of motivation to have it strive.

How I would describe this segment:
This segment I found to be very helpful and useful. Many people suffer with having no funds to start a business of their dreams and either do not do it or do and regret taking out a loan for it. There are  obstacles that people go to since debt fears peoples choices. In today's society having capital to start a business is the core to starting something great. The downfall is that many people do not have this since they have other expenses to worry about in their day to day life.

13A- Reading reflection

1. I did my biography on Ray Kroc "Grinding It Out". What surprised my the most was that he was not the original founders of McDonald's. It was a pair of brothers that founded it in California. The one thing I admired about Kroc most was that he always looked for happiness in his work place for himself and the people working for him.What I least admired about him was when I was reading it seemed he had a real temper and raised his voice multiple times through out the book to get his point across. Kroc did face adversities mainly starting with his milkshake company as a sales man.  Later on one huge adversity was the partnership he has with the McDonald brothers and building the California area to make McDonald's a successful business in the west.
2. Kroc was always determined to wake up and solely focus on McDonald's. Always thinking of a new store area or how to project more sales in California. He left all his personal problems out of the office and payed 100% of his time dedicated to the business. He was fully invested into the business and that is was got him the success as the entrepreneur.
3. One part of the text that was confusing to me how in the very beginning was how the operators of the store were compensated since there was little to no income and it was an oral agreement and having faith in Kroc in the future. 
4.  The two questions I would ask Kroc would be: Are you now truly happy with Joni in your life? Throughout half of the book he said he was not happy with his personal life at home and when he finally married Joni her name rarely came up again. And: Being that you were in the milkshake business prior, if you were in a different business do you think you would conquer a business like McDonalds today? -I think if he was in something else he would not be in the position he is in today but for sure have a successful business.
5. Kroc's opinion of hard work would also be having fun at work. He made this a huge point throughout the book and every job he had starting in the very beginning of his career he always had fun doing what he did. I do agree with that opinion since you will be spending most of your time at that specific area and you need to enjoy it to get better results and have a happy environment.

11-A idea napkin

1.You- I am __________ a UF general studies in mass communications business student. I am great with team work environments and connecting with people in all different situations. I have just received my Florida real estate sales associate license since I have a passion for real estate. My aspirations in life is to help people that have debt lower it or try to avoid it at any cost for them in the future.
2. What are you offering to customers?- I am going to make a website that hits all the points on debt. All the different types and how to avoid them when you put your personal information in. It will do a data analysis on your credit, income, and to state any other factors of financial standing in your life. It will have a summary of all the different options of not going into debt and the best option that is personalized to you.
3. Who are you offering it to? - I am offering it to anyone starting as a high school graduate to a retired person. The range is very broad since I want to help a large amount of people. These are people that already have debt or on the edge if they should take out a loan and then potentially go into debt. All of my customers have in common are needing more money for a specific situation that is relevant to them.
4. Why do they care?- They care because it is pertaining them now and in the long run. Financially being in debt is not something people look forward to as the interest gets higher and you still have payments lingering every single month. This will help them manage and control what their current money status is and try to build it without getting a loan and going in debt.
5. What are your core competencies?- What sets my business apart from everyone else is that we give people options on how to avoid debt rather than getting them into it. Most firms or companies will offer certain loans that will benefit that company but not the consumer. My business will work the other way around and it will be in favor of the customer 100% of the time. What we have that no one else does is that we personalize ever data analysis according to that specific person which is very nice and not going off of a basic chart for the general public.

With having all of these five elements I personally feel that they fit perfectly well with one another. All of the components have a missing link to one another that continues the personalized business plan. The only downfall that I would have is that if the data analysis still wishes that person to go into debt for their specific reason. I am trying to avoid this situation but I know some cases will be special. Overall there should be a different turn out though and many people will have a positive outlook on the website.

10A-elevator pitch

https://www.youtube.com/watch?v=vgZmBQX-A50 click the link for my elevator pitch on youtube.

9A- testing the hypothesis

Who: As I was interviewing I noticed that not all people have this problem. There was a few that said they never even had debt before and do not plan on getting it as well. Not all people do have debt and many people as well do know how to manage their own money for a day to day life style.
What: I realized that whether people have debt or not it solely comes down to if they want to get themselves in that situation in the first place. Some people do not have any other option while others do.
Why: Many people's life are different. That concludes their financial position in life. Some people have money to save for the future while others do not even have enough to pay for rent at the end of the month. The factors that come weigh out each other but it then has to then be divided to see if it actually affects a large amount of people.

Inside the Boundaries                                              Outside the Boundaries

Who is in: Everyone that has debt	Who is out: Everyone that does not have debt
What the need is: To help and make people aware of their debt and try to lower it and have no debt	What the need is not: Make their debt worse and not have the tools that won't help them achieve it
Why the need exists: Many people have issues with debt	Alternative explanations: There are other factors that come into play when debt is involved and that is sometimes not the case

8A- Solving The problem

• My product has to do with people having debt and not able or ever to pay it off in the future.
• Many people this topic has mixed emotions since we live in a society that the economy is growing and products are getting more expensive and an average persons salary is staying the same.
• Ideas for this are:

1. Create an emergency/ saving fund with employer: Most people try to put money away for a rainy day or when something unexpected comes up, but the problem is that if the money is close or near by that the persons knows of then they are more likely to use it. Their employer should keep a percentage for whenever something happens.
2. Use a budget app: Log all your expenses that you have in your daily life and then all the extra money you have left over can be divided accordingly just by the click of your fingers. Budgets and incomes change so when you would input it in the app there will be a new planned budget for you.
3. Banks using specific device to see where their money is going: It would work as a tiny chip like a credit card has and would detect if you are over spending on things you want instead of things you need in your day to day life. If you go over the limit you made with the bank they will shut all your cards down and decline them.

• As of right now my audience is people with debt and the lenders that give them the money. It is still an issue today but some of the ideas I have thought of can help change a persons whole lifestyle.
• I think banks and credit card company’s would definitely excel in this because they are the most that lend money or credit away. At a sense they are responsible for the persons debt because they showed them the different options but aren't fully liable since they didn't force them to go into debt.