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MISY 4341: Entrepreneurship
Section: 201
Business Plan
Dr. Margaret Annie VietsGroup Members:
Ayesha Almugahwi 200800180
Fatima Alibrahim 200800025
Hadeel Aleisa 200801009
Razan Alsanea 200801164
Roba Algothmi 200700131
Executive Summary
For entrepreneurs, writing a good business plan could return a lot of benefits and help to draw the future path of a business. Coffee industry is flourishing in Saudi Arabia and drive-thru business still young. This Business Plan (BP) aims to sell the idea of establishing drive-thru coffee shop in Khobar that called "Speedy Coffee". We are predicting making money from selling coffee because it is a daily commodity and the number of coffee addicted is increasing. "Speedy Coffee" will provide its customers the best tasting coffee, tea, sandwiches, Croissant, salads, Brownies, Cheesecakes and Cakes, Muffins, Cookies and Arabic coffee provided with dates and Arabic desserts speedy by being in their way in addition to new service that we called it "Pick-it-Up" service. "Pick-it-Up" is an online service and mobile application that allows our customers to customize their order, specify time then pass by our window and pick their order in the exact time. After analyzing the coffee industry we built some valuable strategies to market our idea. There are number of challenges that could be faced through implementing our business idea but we could overcome them via the suggested strategies. As founder we are going to play a major role in administrating the business. The last section is the Projected Financials for our business. The company is expected to grow sales revenue by $558,034 in first year and $2,348,900 for the second year. As Speedy Coffee strive to maintain a SR1,423,500 gross profit margin at the first year. The balance sheet estimates a net worth of SR 1,679,937.5 for the 3ed year, cash balances of SR 1,566,180 and earnings of SR 668,096.250 as we accept to lose money in the first year.
In order to be able to transfer an idea into a good business opportunity, that idea should solve a problem, satisfy a need and improve the quality of life. A business idea means nothing without an implementation and the most critical step is writing a business plan. Coffee is a big business; our idea is starting up a new coffee drive-thru business named "Speedy Coffee".
Establishing a drive-thru coffee shop is a good idea because coffee is a daily commodity. There are a lot of people who addicted to caffeine and they cannot wake up in the morning and start their day without having a cup of coffee. It is one of the breakfast drinks that numerous people love. Therefore, drive –thru coffee shop has a huge benefit for people and on the other hand predicting making money from selling coffee is reasonable.
As university students, we sometimes suffer the lack of time and sleep which leads us to go to the nearest café to our houses. Getting off the car, ordering and waiting on a queue consume time and consequently, students cannot attend their classes on time. Also, coffee is one of the most important traditions in Arabic cultures. It considers as a symbol of hospitality and generosity. Which indicate that the demand of coffee will be high throughout the whole year. That drives us to think of establishing "Speedy Coffee".
Company description
"Speedy Coffee" is a drive-thru coffee shop that located in Khobar. We aim to provide customers the best tasting coffee, beverages, fresh baked pastries and dessert speedily by being on their way in addition to online ordering application that we called it "Pick-it-Up" to give them different experience. "Pick-it-Up" is an online service that allows customers to sign-in using a membership, making an order, specifying date and time, and the order will be ready at the exact arrival time. So they can just pass by and pick the order up from our drive-thru window. Also, we are going to provide "Pick-it-Up" as a mobile application to facilitate the ordering process. Initially, we will open "Speedy Coffee" in only one location then we will expand whenever we capture beneficial opportunity. "Speedy Coffee" is going to be as a time saver for all coffee lovers.
Vision and mission
To be in your way, save your time, and provide each cup with a little pleasant.
Our passion to provide an outstanding quality and service for our customers leads us to choose the best products for their enjoyment. We offer an excellent selection of coffee and tea with their various types, hot and cold beverages, fresh baked pastries, dessert, in addition to seasonal drinks all with suitable prices. Our Baristas are trained for up to two months before taking the responsibility of creating exceptional experience for you. We believe that giving the customers the opportunity to be involved and influential is going to support our development in future.
Product and service position
Speedy Coffee will provide its customers the best tasting coffee and beverages in this region. This is going to be accomplished by selecting high-quality ingredients and conforming the top preparation procedures precisely with exceptional concentration of detail. Whether the customers pass by the drive-thru window or order using "Pick-it-Up" application, they could customize their order and receive it as the exact specifications. The menu will be made of espresso-based coffee drinks such as lattes, mochas and cappuccinos, different types of tea, fresh backed pastries, sandwiches, Croissant, salads, Brownies, Cheesecakes and Cakes, Muffins and Cookies. Also Arabic coffee will be made of the best coffee beans and provided with dates and Arabic desserts.
Besides coffees, Speedy Coffee will offer another items such as coffee beans, syrup in different flavors, coffee mugs, caps, T-shirts and sweatshirts, balls and more
What will make Speedy Coffee stand out from other coffee drive-thru businesses are:
Providing products with convenient way at both methods the drive-thru window and "Pick-it-Up" application. Customers will not need to look for parking place or waiting in a long queue.
"Pick-it-Up" application will differentiate Speedy Coffee and give the customers different experience.
Valuing customers' involvement and letting them participate in business development. Considering them as an important factor of our succeed and making them play an important role will increase their loyalty.
An effective use of social media with its different types to be close to customers and connect with them continually. That helps to know their expectations, evaluation, and comments.
providing a significant benefit to the community by the participation on charity activities.
The milestone table and chart represent the significant dates for accomplishing several tasks through specific period. That facilitates the management of future activities and show the budget needed in each period.
Task Start year End year Duration Budget
Opening a drive-thru and lunching the application 2013 2014 1 year SAR 150,000
Opening drive-thru 2,3 and 5 2014 2015 1 year SAR 450,000
Install point-of-sale system 2014 2015 1 year SAR 20,000
Expand into the Middle region 2016 2018 2 year SAR 400,000
Table 1: Milestones table
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Figure 1: Milestones chart
Industry Analysis:
Industry Size and Growth Rate:
Coffee industry as whole is a crowded industry in Saudi Arabia, especially in Khobar. We have plenty of cafés in Malls, Pepsi Street, Cornice and almost everywhere. The drive-thru industry is a new growing industry in the Eastern Province especially in Khobar."The coffee market In Saudi Arabia increased at a compound annual growth rate of 3.4% between the years 2004-2009″ (Research and Marketing, P.8). Coffee industry is one of the existing industries since a long time, but what makes our café different in this industry is that our café is a drive-thru café which is considered to be a new concept in the region. According to Ed Advirson, a consultant at the US-based Bellissimo Coffee Info Group, the coffee culture is growing rapidly around the world especially in Saudi Arabia as it suits the traditional coffee houses in a modern way with more options (Milletto. N, 2008). Even though many drive-cafés exist, the industry is still considered new and we still need more of it in the region. So, the industry is considered young and in an early life cycle.
Industry Structure
Coffee shops industry is a fragmented structured, it accepts new entrants and allow the current competitors to easily improve and change their development strategies. There are many cafés in Khobar, some have distinguished themselves among others who are typically the same. Euro monitor International says that "Overall cafés/bars remained heavily fragmented at the end of the review period due to the strong presence of independent cafés; with chains being present only in specialist coffee shops (Café and Bars in Saudi, 2012).The coffee shop industry is an innovative industry that accepts new ideas. Drive-thru coffee shop industry is narrower, but it still receptive to new entrants and innovative where the current competitors can respond quickly to the changes in the new trends. Coffee shops that do not have a drive-thru service and have already built their names among customers can start spreading drive-thru kiosks in dynamic locations so they can reach their customers. To make Speedy Café different, we have identified key factors to success in the next section.
Key Success factors
We are seeking to be distinguished by our service, quality, promotions, social networking and serving community and dynamic location. By employing those factors we can proudly position Speedy Café among competitors. According to Dr. Kmanthi Thompson, the entrepreneur center manager in PMU, "coffee industry is considered to be a crowded industry in Saudi" (Thompson. K, 2012), and he also said that getting involved in an existed business would not succeed especially with coffee shops because of the competition with the large companies unless the person comes up with new idea that makes his/her business different (Thompson. K, 2012). We thought of making our speedy café different than others, and we came up with two main services. The first service is that it is a drive-thru coffee shop in an attractive crowded location, second is that we provided a pick it up service to reach our customers for saving time and avoiding crowd.
In addition, involving our customers in our decision and providing them with offers and promotions is considered a key factor that leads to success. This is will be explained in details in the marketing strategy.
Industry Trends
To reach and maintain the intended position of our business, we need to keep on track with the trends that influence the industry. We can employ these trends to the benefit of the company.
Currently, people are more attracted to places that follow the technological trends such as applications in their phones and social networking channels. In addition, customers always tend to be loyal to the stores that care about them, value them and consider their suggestions and complains.
People now are living in so quick world; they would appreciate being served quickly. This is considered a trend that we are using for our benefit. We are providing them with a speed service and also a prior arriving ordering service which is "Pick-it-up" service.
Being involved in social community events, occasions and raising awareness among the community is a trend that should be considered as an important trend. It will help in two ways, building our name with caring about the society and cultural occasions, it will also in marketing our café.
Market Analysis:
Market Segmentation
We identified our market segment based on two main categories; demographics and geographic. Demographically, our speedy café is targeting customers who are vary from the age of 12 and above from both genders who have middle to high income. Geographically, our café as it is a drive-thru café that is located in a dynamic location that is in the intersection with king Fahad Road and Prince Fisal bin Fahad Road that is on the way of many companies that are located inside the KFUPM's fence, KFUPM university and UOD university, this road also comes in the way of many of PMU students who come from Dhahran and Khobar, and it is also of the way to Dhahran Mall and Amwaj mall. So, this location is attracting many of the community's segments such as shoppers, workers, students and anyone who is passing by this road and has no time to waste for getting a cup of coffee.
Target Market and buyer behavior:
Speedy Café is a drive-thru café that welcomes everyone with its products quality, quick service and attractive location. Speedy Café serves Coffee as main products and tea, donuts, croissants, fresh juices and cookies as additional options, so, it is targeting anyone who is hungry on this crowded location to get his quick snack and drink quickly, we are also targeting coffee lovers and addicts who need coffee in the morning busy time and the whole day crowd with our pick-it-up service. Also customers as students and workers can get their breakfast faster than any other café to save their morning busy time.
Competitor Analysis
For our competitor analysis, we chose Starbucks Café because it is the leading player in the coffee market in Saudi Arabia according to the Market and Research website (Coffee Market in Saudi Arabia to 2014,2012). We chose Coffee Road as it is a well-known café specializes in Drive-thru café on between cities roads.
The following table shows the differences and similarities between us and our candidate competitors.
Factors Speedy Café Coffee Road Starbucks
Located inside the city * *
Located in a dynamic road * Some branches *
Drive-Thru Service * * some branches
Prior arriving ordering service * Involving in Social awareness and events * *
Interacting with customers through social networking channels * *
Providing discounts and promotions * Employing college students * *
Low prices level * * Marketing Plan:
Overall Marketing Strategy:
To stand strong, and position our café in the market among competitors, our marketing strategy is to value our customer's taste and opinions, get them involved in our improvements and provide them with offers and promotions that show our care and this is what will make us different than our competitors. This will be explained in details in Products, Services and Prices, Promotion and Distribution sections.
Prior the opening of Speedy Café, we will be present in social networking media to advertise for our café and keep people excited about the new café that will open on this crowded road.
We will provide part-time jobs to college students so they can work in their free time; this will help them as new generation to learn to be responsible and get their own income, and it will also help on marketing our Speedy Café among college students which are considered one of our targeted customers.
Speedy Café will participate on its way on the social events and champions such as Eids, Hajj, New Year, Ramadan, back to school week, breast cancer day, autism day and other events. " it is important for a business to be socially responsible for many reasons because it is an easy way for a company to build its brand, reputation and public profile, and customers are more attracted to social responsible companies" (Taylor.D,2005) . Speedy café will participate through social networking channels, spreading cards or brochures depending on the occasion to the customers.
Products, Service, and prices:
Customer satisfaction is what we seek to gain, by turning our promises to reality customers will be satisfied. We promised to provide quick service with excellent quality products.
Our Pick-It-Up service is also a service that will show our customer that we value their time. Customers can have a membership and order via an application that could be installed on their phones prior they arrive to the café so they just come and pick up their orders without wasting their time with waiting.
In addition, we focused on providing our customers with a menu of various options. These options will lead us to be a daily habit to our customers so they can find what they want and never get bored of the limited of options. In addition, we planned to involve our customers to choose and suggest for new products and flavors, this is mentioned in details under the promotion section.
For the prices, Speedy Café attracts middle class people including students, so we wanted to set prices that are affordable as daily payments for all of the customers under our market segment to keep them loyal to our café and to be their daily habit. Our pricing strategy is not to set prices that exceed the targeted customers' power to buy daily from our café. Our prices will vary from 3-20 SAR.
Our products and prices are shown in the menu below:
Hot Drinks S M L
Cappuccino 10 12 14
Coffee Mocha 12 14 16
Caramel Latte 12 14 16
Latte 12 14 16
French Coffee 10 12 14
Espresso 10 – –
Arabic Coffee 10 12 14
Black Tea 7 9 11
Tea with Milk 10 12 14
Tea with Mint 10 12 14
Milk with Ginger 12 14 16
Ginger with Mint 12 14 16
Mint Tea 8 10 12
Iced Drinks Iced Mocha 14 16 18
Iced Latte 14 16 18
Iced Tea 12 14 16
Iced Caramel 14 16 18
Cold Drinks Soft Drinks (Coke, Pepsi, Seven Up, Orange and Strawberry Miranda) 3 5 7
Water Bottle 3 4 5
Orange Juice 12 14 16
Strawberry Juice 12 14 16
Cocktail 14 16 18
Apple Juice 12 14 16
Mango Juice 12 14 16
Speedy Mixture 15 17 19
Sandwiches and Snacks Croissant (butter, Cheese, Za'atar, Labna, Chocolate) 7 – –
Turky Sandwich 10 12 14
Tuna Sandwich 10 12 14
Speedy Special Chicken Sandwich 14 16 18
Cookies and Snacks White Cookies 3 4 –
Chocolate Cookies 3 4 –
Red Velvet Cup cake 4 5 –
Carrot Cupcake 3 5 –
Chocolate Cupcake 3 5 –
Coffee Cupcake 3 5 –
*A snapshot and a copy of the menu will be attached under Appendix.
Valuing and respecting our customer is our main promotion. We are providing our customers with memberships through an application that could be installed in their phones. This application helps our customers to order prior arriving to the café for a faster service, in the other hand; it helps us to provide promotions and gifts to our loyal customers. Through this application we can send messages about our new drinks and snacks, our new offers and promotions. This application also will help us to identify our customers' favorite order so we offer him/her one free order annually based on their membership date, we also can know their birth dates so we provide them a free breakfast with a birthday card with nice words. A snapshot of the application's interface is attached under Appendix.
Being present in the social networking channels is currently important build a name and attracts customers. Twitter, Instagram and Keeks, these are the main social media that people are obsessed with these days; our plan is to be involved with them, interact with them and provide them with offers and promotions. According to Aleqtisadia online newspaper, "A report from the control and creation program in the collage of Dubai for government control that is named the report of the Arab social network, this report revealed that Saudi Arabia is on the top of the number of active twitter and Facebook users in the Middle East" (Users of Twitter in Saudi Arabia, 2012). We will use twitter for updating our customers with our new offers and promotions, we will interact with our customer by throwing a weekly competition for drawing, photo shooting or questioning about Speedy Café , and then offer the winners with a free drink or a discount. In addition, we will use it to answer our customers' questions and receive their suggestions. Instagram as it is known for photos posting, we will post photos of our Café, Drinks, Snacks, and other products, we will also post photos of our employee of the week, the weather and such things that keep us in touch with our customers. Through Keeks , a 35-seconds video posting application, we are planning to post videos of our customers opinions, for our employees while working to show our customer how clean the environment is, we will also use it to announce a winner or a new offer.
Furthermore, to follow our customers' tastes, every two weeks we will add a new drink, sandwich or snack to our menu. This additional offer will be named after a customer suggestion and posted on Speedy Café window. For example, we ask customers about their suggestions, and then we choose one for the current month. When a customer suggest ,for example, a new pizza sandwich that we don't have in our menu, we will work on creating this sandwich with good taste and quality, print a poster with a photo of it and name it with a name chosen by that customer or even his real name for two weeks.
The location of our Speedy Café is so dynamic; it is on the way of many companies that are located inside the KFUPM's fence, KFUPM University and UOD University, this road also comes on the way to many of PMU students who come from Dhahran and Khobar, and it is also of the way to Dhahran Mall and Amwaj mall. Thus, customers will be passing by the café on their way to get their matters done.
Product or Service Design and Development Plan
Our marketing strategies that we mentioned in this paper will work on supporting our development plan for future. We are planning to add some features to the business, maintain, and improve other things to keep up with everything new in the market.
The most important thing in our plan is to maintain the high quality that the customer used to receive. That means working on meeting the high standards all the time. Providing good products and services continually will guarantee increasing customer satisfaction, business reputation, employees' productivity and profits at the same time that will reduce the number of complaints and competitive risk.
As we mentioned in the milestone, we are planning to expand in three more locations by the beginning of 2014. By 2016 we plan to open drive-thru café in the Middle Region. Maintain the same level of products and services provided through the expansion process is significant. Also choosing vital locations in this process is crucial and we plan to open in malls and inside universities or companies.
Also, we are projecting to provide prepaid cards. That could bring a lot of benefits for our business because it is going to offer immediate cash on hand for our customers which going to facilitate the payment process.
See the appendix for our logo, location and materials design.
Challenges and risks:
Maintaining the high quality: since most of our drinks will be based on "shot" from the machines, drinks should prepaid carefully. A minor variation on the amount of coffee, milk, or heat is going to affect the quality of drinks.
Big national coffee shops such as Starbucks and Second Cup: they actually start opening drive-thru windows in their braches.
Finding good location: because we are looking for vital locations, that process could be hard from the term cost and space.
Management Team
The Speedy Coffee management team consists of the CEO, the CFO, and six directors:
Mr. Abdul-Aziz Ahmed, Chief Executive Officer
The founders of speedy coffee had selected Mr. Abdul-Aziz Ahmed for CEO he has been working in coffee shops management and he made researched in specialty drinks and drive-thru service in coffee and foods industry for over ten years. His expertise is in the research and leadership within 10 years. He worked before in managing Best Coffee corporation but he decide to move to Al-khobar and he left his job in Jordan. Mr. Abdul-Aziz is the person who will get the speedy Coffee growth effectively and gain profit for our business future.
Ms. Hadeel Aleisa, Business administrator
Ms. Hadeel Aleisa has been chosen to perform the position of office manager and she will be take the responsibility for visiting and evaluating each place and make daily report directly to the chief operating officer. Hadeel has been the business administrator of Darby Coffee, Inc. for the past five years. Over those five years, Hadeel has written many firm policies and managed the financial reporting and reconciliation. Speedy Coffee considers Hadeel to be one of the greatest founders team and she will start working with them from January 2013. Until that time, she will be working with Mr. Abdul-Aziz on a part-time basis to help establish the corporate performance and policies.
Miss. Sara Ibrahim, Finance and marketing
She has a high experience and expertise in cash flow management for 15 years. She will take the position of finance department and she will work part time as events coordinator and advertising. She has a wonderful history and great experience in sales and financial management, particularly in the beverage industry. As she worked in leading beverage in Saudi Arabia, through this time as her management in sales, she has assisted increase market share from 35 to 45%. Moreover, she has many contacts in beverage industry awareness of the market. Recently she manages five sales representatives but she decides to move to work with her team in Speedy Coffee and shares her experience with them.
Mr. Mohammed Nassir, Human Resource
Mr. Mohammed Nassir is a Human Resource Specialist, he has an innovation and leadership skills, he is responsible of payroll and benefits. Mr. Mohammed has built his knowledge by working as a specialist in different functions of Human Resources such as recruiting, policies, training, organizational development, workforce planning and employee relations. Now he is responsible to pick employees and train because he holds a Human Resource bachelor degree from King Saud University.
Miss. Ayeshah Almugahwi, Technology Director
She serves as the Technology Director for Speedy Coffee. he has an experience in computer and telecommunication field for more than 5 years. During this time, she has held a different management positions working as an information systems manager, a consultant, and as a teacher/trainer. She did her undergraduate study at Prince Mohammed Bin Fahd University. She brings her depth of knowledge, technological skills and management abilities to her current position, Ayeshah and her coworker Razan Al-Sanea are responsible for upgrading our website, mobile application, and everything related to pick-it-up services. Also, she has strong professional skills and social networks through the internet and other media such as Twitter, Facebook, etc.
Miss. Razan Al Sanea, Network Communication
Miss. Razan has had a long career in IT at Le Cafe, with extensive experience in leading and managing services to support researchers at Le Cafe, after 7 years of experience she will help our research department to be developing. Miss. Razan's major strengths and skills that includes active group working, great social relations, organization person, wide computer knowledge including desktop publishing and graphic layout. Miss. Razan will use her experience in conjunction with her partner Ayeshah to establish a perfect system and applications.
Miss. Fatima Alibrahim, Research and development Director
A graduate from King Faisal University in Research and development, Miss. Fatima Alibrahim rapidly recognized that she wants to apply her knowledge as well as leadership and managerial skills as an administrator in a creating and innovating new attractive strategies. She worked for 4 years in scientific research, as well as a procurement manager in the Al-Riyadh region. She decides to move for workings with her friends to establish a profitable business by join them as one of the business partners.
Miss. Roba Algathmi, Operations Research
She is one of the founders she works with them as a part time until she finishes her contract with Al-slam School. She publishes monthly journal articles in Al-hyat Newspaper. Because she is connoisseur of coffee field, from 1/1/2013 she will let everything out of her mind and she will start working with Speedy Coffee as full time. Miss. Roba responsible of Research about coffee testing and analysis from sources to cup. Testing on coffees depends on physical and sensorial experiments, research and development services. Roba and her director Miss. Fatima will be accountable for research and development and they will think and innovate of attractive ideas.
Organizational Structure
The speedy coffee will be owned and operated by its founders Sara Ibrahim, Hadeel Aleisa, Ayeshah Almugahwi, Razan Al Sanea, Fatima Alibrahim and Roba Algathmi, they will be partners in a 15% shareholding structure. They have an experience that covers many of the efficient aspects of the company. Our management team is involved of employees that they feature many years of experience in the long-term coffee making industries. Our philosophy is to go above consumer expectation by offering a warm coffee, friendly environment, consistent quality coffee with quick costumers' service. Speedy Coffee is run by our well-trained employees who could make a good quality cup of coffee quickly within three minutes.
The chief operating officer, Mr. Abdul-Aziz Ahmed has extensive relevant on coffee industry experience. He will be responsible on a daily basis operations management of the shop. We have a Chief Financial Officer and she reporting to CEO. Hadeel Aleisa will be responsible for the routing, distribution management and be evaluating and make daily report directly to the chief operating officer. Ms. Sara Ibrahim she will be accountable for customer service, finance and marketing. Ms. Sara Ibrahim can handle day-to-day needs that anyone may have. Even when Sara is out of the shop Hadeel will be on contact with her via phone or emails. Our serving staff will be from the young local generation as they work as a part time .Speedy Coffee goal is to offer good cafe-quality, food and drinks without get out of the car, which is wonderful on those hot days or cold mornings.
-819150-742950Operations Plan:
In this section, we are going to discuss the general approach to operations in terms of what's most important and what the make-or-break issues are. This can be done using the "back stage" or behind the scenes activities, and "front stage" or what the customer sees and experiences. For our " Speedy Coffee Project", the back stage and the front stage issues are as follows:
Back stage:
Staff selection
Relationship with suppliers
Relationship with city government
Employee orientation and training
Staff selection is very important. The success of any business greatly depends on how well you choose your staff. Once you succeed in choosing well qualified, clever staff, you ensure your success. Also, we are going to build good relationships with suppliers. We intend to use the best kinds of coffee seeds. While doing this, a team of us will be responsible for finishing all the arrangements needed from the city government, like getting the license to start our business. Moreover, employees must be trained at how to make, introduce the service in a friendly way.
Front stage:
Operating hours
Staff assistance
Coffee machines
Coffee shop design
We intend to operate our business twenty-four hours a day. Staff assistance will be from Pilipino or Indian. As for the machines, we'll import them from Japan. Also, we'll make a contract with famous designers to make the shops very attractive. as for the location of our project, we intend to have our braches in Al-Khobar, on the way to universities and companies so that they'll be available to university students and the employees going to their work. In this way, we can guarantee too many customers.
Concerning facilities and equipment, we'll purchase all the equipment needed for the project from Japan, though they'll be a little expensive. We'll pay much care for cleaning.
Financial Projections:
Sources and Uses of Funds Statement
Capital Investments Amount
Property SR 70,000
Furniture and fixtures SR 40,000
Computer equipment SR 73,000
Other equipment SR 30,000
Operating Expenses Amount
Legal, accounting, and professional services SR 13,125
Advertising and promotions SR 13,425
Deposits for utilities SR33, 750
Licenses and permits SR 13000
Prepaid insurance SR 9000
Lease payments SR 181, 500
Salary and wages SR 243,750
Signs SR 15000
Tools and supplies SR 29,250
Starting inventory SR 79,406.25
Cash (working capital) SR 732,593
Other expense 1 SR 135,000
Total Startup Cash Needed = SR 1,711,780
Funding for Speedy Coffee derives from two main sources. This includes owners' investments and bank loans. The major owners bring the total investments to SR 1,000,000. The remaining SR711, 780 needed to cover the start-up expenses and assets came from a one-year bank loan in the amount of SR711,780 .
Assumption Sheet
Year 1 Year 2 Year 3
Current Interest Rate 10% 10% 10%
Long Term Interest Rate 10% 10% 10%
Pro Forma Income Statement
Pro Forma Income statement
Year 1 Year 2 Year 3
Sales SR 2,190,000 SR 2,409,000 SR 2,649,900
Cost of Goods Sold SR 766,500 SR 843,150 SR 927,465
Gross Profit SR1, 423,500 SR 1,565,850 SR1, 722,435
Expenses Payroll SR 243, 750 SR 243, 750 SR 243, 750
Sales and marketing and other expenses SR 13,425 SR 13,425 SR 13,425
Depreciation SR 20,250 SR 20,625 SR 20,625
Rent SR181, 500 SR 198,000 SR 198,000
Maintenance SR 219,000 SR 24,090 SR 26,498
Utilities SR33, 750 SR35, 625 SR 37,500
Others SR 135,000 SR 135,000 SR 135,000
Total Operating Expenses SR 846,675 SR 670,515 SR674, 798
Interest Expense SR 10,578 SR 8,723 SR 6,068
Taxes Incurred (2.5%) SR 14,156.1750 SR 22,165.3 SR 26,014.3
Net Profit SR 552,090.8250 SR 864,446.70 SR 1,014,557.700
Pro Forma Balance Sheet
Year 1 Year 2 Year 3
Assets Current Assets Cash SR732, 593 SR1, 111,343 SR1, 566,180
Inventory SR 79,406.25 SR 87,348.75 SR 96, 083
Total Current Assets SR 811,999.25 SR 1,023,994.250 SR 1,662,263
Long-term Assets Long-term Assets SR 221,887.50 SR 229,387.5 SR 236,887.5
Accumulated Depreciation SR 20,250 SR 40,875 SR 61,500
Total Long-term Assets SR 201,638 SR 188,513 SR 175,378
Total Assets SR 1,013,633 SR1, 387,200 SR 1,837,650
Liabilities and Capital Year 1 Year 2 Year 3
Current Liabilities Accounts Payable SR 119,903 SR 119,801.25 SR 130,635
Current Borrowing SR 25,125 $12,750 SR 375
Subtotal Current Liabilities SR 145,028 SR 132,551.250 SR 131,010
Long-term Liabilities SR 75,000 SR 61,556.250 SR26, 703
Total Liabilities SR 220,028 SR 194,107.5 SR 157,712.5
Paid-in Capital SR 525,000 SR 525,000 SR 525,000
Retained Earnings (SR 103,800) SR 268,605 SR 668,096.250
Earnings SR 372,405 SR 399,487.5 SR 466,841.25
Total Capital SR 793,605 SR 1,193,092.5 SR 1,679,937.5
Total Liabilities and Capital SR 1,013,633 SR 1,387,200 SR 1,837,650
Net Worth SR 793,605 SR 1,193,092.5 SR 1,679,937.5
Pro Forma Cash Flow
Year 1 Year 2 Year 3
Cash Received Cash from Operations Cash Sales SR 2,190,000 SR 2,409,000 SR 2,649,900
Subtotal Cash from Operations SR 2,190,000 SR2, 409,000 SR 2,649,900
Subtotal Cash Received SR 2,190,000 SR2, 409,000 SR 2,649,900
Expenditures Year 1 Year 2 Year 3
Expenditures from Operations Cash Spending SR 467,250 SR 539,250 SR 581,790
Bill Payments SR 1,229,493.750 SR 1,457,681.250 SR 1,578,543.750
Subtotal Spent on Operations SR 1,696,743.750 SR 1,996,931.250 SR 2,160,333.750
Additional Cash Spent Principal Repayment of Current Borrowing SR 12,375 SR 12,375 SR 12,375
Long-term Liabilities Principal Repayment SR 0 SR 13,458.750 SR 14,853.750
Purchase Long-term Assets SR 0 SR 7,500 SR 7,500
Dividends SR 0 SR 0 SR 0
Subtotal Cash Spent SR 1,709,118.750 SR 2,030,250 SR 2,195,062.5
Net Cash Flow SR 480,881.25 SR 378,750 SR454, 837.5
Ratio Analysis
Year 1 Year 2 Year 3 Industry Profile
Sales Growth 0.00% 10.00% 10.00% 7.60%
Percent of Total Assets Inventory 7.83% 6.30% 5.23% 3.60%
Other Current Assets 0.00% 0.00% 0.00% 35.60%
Total Current Assets 80.11% 86.41% 90.46% 43.70%
Long-term Assets 19.89% 13.59% 9.54% 56.30%
Total Assets 100.00% 100.00% 100.00% 100.00%
Current Liabilities 14.31% 9.56% 7.13% 32.70%
Long-term Liabilities 7.40% 4.44% 2.54% 28.50%
Total Liabilities 21.71% 13.99% 9.67% 61.20%
Net Worth 78.29% 86.01% 90.33% 38.80%
Percent of Sales Sales 100.00% 100.00% 100.00% 100.00%
Gross Margin 65.00% 65.00% 65.00% 60.50%
Selling, General & Administrative Expenses 47.94% 48.47% 47.37% 39.80%
Advertising Expenses 2.26% 2.18% 2.26% 3.20%
Profit Before Interest and Taxes 23.27% 22.47% 23.85% 0.70%
Main Ratios Current 5.60 9.04 12.69 0.98
Quick 5.05 8.38 11.95 0.65
Total Debt to Total Assets 21.71% 13.99% 9.67% 61.20%
Pre-tax Return on Net Worth 62.87% 44.64% 37.71% 1.70%
Pre-tax Return on Assets 49.22% 38.40% 34.06% 4.30%
Additional Ratios Year 1 Year 2 Year 3 Net Profit Margin 17.00% 16.58% 17.62% n.aReturn on Equity 46.93% 33.48% 28.12% n.aActivity Ratios Inventory Turnover 10.91 10.11 10.11 n.aAccounts Payable Turnover 11.25 12.17 12.17 n.aPayment Days 27 30 29 n.aTotal Asset Turnover 2.16 1.74 1.44 n.aDebt Ratios Debt to Net Worth 0.28 0.16 0.11 n.aCurrent Liab. to Liab. 0.66 0.68 0.74 n.aLiquidity Ratios Net Working Capital $177,858 $284,304 $408,334 n.aInterest Coverage 48.16 62.07 104.13 n.aAdditional Ratios Assets to Sales 0.46 0.58 0.69 n.aCurrent Debt/Total Assets 14% 10% 7% n.aAcid Test 5.05 8.38 11.95 n.aSales/Net Worth 2.76 2.02 1.60 n.aDividend Payout 0.00 0.00 0.00 n.aReferences:
Aleqtisadiya (2012), Users of twitter in Saudi, Retrieved Dec,2012 from
Euromonitor International, Café/Bars in Saudi Arabia (oct,2012) retrieved Nov,2012 from
Coffee Market in Saudi Arabia, Research and Marketing (2012), retrieved 20,Dec,2012 from
The American barista coffee school, coffee business in Saudi Arabia, retrieved Dec,2012 from
http://www.baristaexchange.com/profiles/blogs/1688216:BlogPost:122895Thombson, k. (2012), Marketing and Researching Workshop, Nov-2012.
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The Little Princess Trust
At NashWhite, we have always been very generous when it comes to donating to charity. Whether directly to a charity, or to someone fundraising on behalf of a charity, we have always tried to give as much as we can when we can.
Back in October 2013, Rob felt that we were sowing our charitable seeds too thinly. So to speak. He realised that if we were to concentrate on one charity, especially a smaller one, we could make quite a difference. This made him go off in search for a charity to work closely with.
The charity we have chosen to support throughout 2014, and possibly beyond, is The Little Princess Trust. They are a children's cancer charity and their mission is to supply real-hair wigs to children suffering with cancer, for the duration of their treatment. Since its inception, the charity has now helped over 1,200 boys and girls. They rely solely on the donations of fundraisers.
The obvious connection between the Charity and NashWhite is that they are both hair related. We both strive to give the gift of beautiful hair.
Throughout 2014, you will be hearing about a lot of fundraising events we are taking part in, the first being The Wolf Run in April. A 10k obstacle race through mud, lakes and anything else they try and throw our way. You can either sponsor your stylist or the whole salon team. Please visit our JustGiving page HERE

subset: commoncrawl


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BOOM! Studios #0 Mighty Morphin Power Rangers
So today was the day a lot of Mighty Morphin Power Rangers fans were waiting for. A brand new comic book series by BOOM! Studios. If you are familiar with the 1993 TV series then this is the comic for you. The first issue #0, picks up when Tommy was freeded from Rita Repulsa's spell and joined the other Rangers fighting against the powers of all that is evil.
The Mighty Morphin Power Rangers are in good hands with Higgins and Prasetya. Issue #0 finds a good balance between the 1993 TV series and a more modernized take, with new mysteries developing alongside a very familiar story. This issue was more of a teaser tariler if you will with its limited page count. The saga contiues with Issue #1 debuting in March. We will be keeping up with this series for sure.
Here are the variant covers for Issue #0. Were you able to find the Green Ranger cover and the White Ranger cover?


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In the recent days, I often think much about my career, my future. Becoming a junior of a university and the fact that there is not much time left from now till graduating make me start thinking seriously what I can do in the future. These days, I often come back home, complaining to my father, expressing my worry about my major, my career. Sometimes, my father said I seemed to be righteous in recent days. But he may not know that it is just my reaction of being frustrated, and confused.
What lead me to this situation? Everything seems to be tangled when I found out that my knowledge relating to economics, finance or banking is of nothing compared with my peers at university. I feel awed by many excellent students, who can present with confidence about what happen on stock market, or macroeconomics circumstances, the new decisions from the state bank, which is somewhat unfamiliar to my limited knowledge. I even do not read a book decently, and bitterly find out the enormous amount of books that my friends have passed by. Though I know it is the matter of passion but finding the passion is something that I have to do now. My passion, Chinese and movies, does not have much to do with the thing I have learnt at school, even though I am proud that I can comprehend some Chinese entertainment articles of intermediate level. Maybe it is the saving grace for my passing 2 years at university.
Taking 3 courses in economics this semester: Environmental Economics, Development Economics, and Public Economics. One course in International Trade Policy and one course in Corporate Finance. The course in Finance is the one I find the most interesting and I really wish that I had the chance to learn more about financial market and financial institution. It is the reason why I take some classes which are not available in my curriculum such as Financial Risk Management, Stock Market Analysis, etc. Just try to find out my passion.
My father says that it is no use worrying as students graduating from my major are often appreciated on the labor market, and they also skip to many fields which are not linked to the major they took at school. It is the truth but it is not enough to make me reassured. We learn a lot of thing but do not specialize in anything, which, on the one hand, it trains students with the flexibility, the versatility, but n the other hand, students may be exposed to the risk that they know everything but do not understand fully anything. I want to be a specialist in anything, but not the one who know a lot but can not know how to turn this kind of knowledge into use. I start to think some ways for my life.
- An accountant – as I like this subject a lot. A course relating to accounting is what I need if I want to work in this field.
- An employee in banks. I do not have any ideas relating to the stuff that a banker does. As I know from a senior, the subject of International Payment may facilitate me with fundamental knowledge to work in a bank, but I do not think it is enough.
- An employee in some kind of office such as ministry of industry and commerce, as I find myself interested in international trade policy. A lot of books to read if I want this position. WTO or some things about free trade, tariff, etc.
- Working in export-import is not a bad choice as it is what we train to do. Though I haven't taken any subjects of this field, I still believe that I can do well with such kind of LC, bill of lading, etc. Hope so.
- Marketing is not my cup of tea. I do not like this field much though I do like reading many business cases of marketing campaign or marketing plan. I take one subject in Marketing this semester, it may help making me change my mind, mayn't it?
Some choices that I sketch out for my future career. It sounds crazy but I think it's time I thought about my future. To be an independent and versatile candidate of the labor market. I do not think much of being a boss, do not have some kind of entrepreneurship running in my vein. All I want to do is to become a competent employee in the future. I do not know if it will be appreciated by my future employer but I do not think that far. Just do my best and I think it will be all right in the end.


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How often does it happen that you have your laptop handy, wish to charge the dying battery of your phone via USB (or the lightning cable), and there is no charging cable with you? If you work some place surrounded by several people on computers, it is likely that you would find one. If not, hard luck!
Why leave it on luck when you can always have charging adapter handy? One almost never leaves the house without a set of keys, be it of the car or the front door. With the ChargeKey, you are almost guaranteed to have a charging cable within reach, whenever you need.
A Few Days With ChargeKey
I put ChargeKey on my keychain immediately on unpacking it. I was at home a couple of days after that and didn't have the need for it at all. A couple of days ago, after being out for several hours, as my phone battery started to die and while I looked in vain for the charger or the cable, I was reminded of ChargeKey.
I had considered the product as creative, but had sort of underestimated its utility. In times of dire need, you would be thankful that you have it with you. When I started to charge the phone with it, my colleagues were impressed by the products' utility and plan to get it for themselves.
SEE ALSO: Always Forget the Charger at Home?
Try Prong's PocketPlug: An iPhone Case that Comes With an Integrated Charger
The Nomad ChargeKey for iPhone and Android Devices
The ChargeKey itself is a small, thin and flexible adapter with a USB port at one end and a micro-USB at other end. It has a loop to put it on your key ring. Its body is made of high-grade plastics from Bayer (Germany) and GLS (USA).
Once plugged, it allows for charging from any USB port and full data transfer when connected to a computer
The ChargeKey comes in iPhone and Android devices variants, with the iPhone ChargeKey having a lightning connector instead of a Micro-USB.
Should You Purchase Nomad ChargeKey?
From the moment I unpacked the ChargeKey, I have had it on my keyring and it has been very useful at times. I'm sure it will be of pretty handy in the future too. At $25 a piece, you may hesitate a moment wondering if you want to get it for that much.
If you are one who often finds your phone battery in bad state, this is a useful thing to have handy. Once it begins to keep your phone battery charged when you need it the most, believe me, you won't give even a remote thought to the price of this nifty accessory.


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So wish i was fingering you and sucking the jucies of them
1 year ago, azazel2003
---staci-silverstone-with-her-legs-behind-her-back-getting-screwed-by-a-giant-cock lq99 secxxx video
what a great little fuck monkey.. Horney , my cock srectedIm obsessed with Staci Silverstone. I wa t sniff her unwashed ass and eat her shit. She's so fucking hot OMG! Wow ! She's so fit ! I love how bendy she is, I could eat her pussy and ass out and have the rest of her for dessert ! Mmmmm delicious ;) soo god Legs behind her Head position called the pretzel
Free Porn Videos Free Video Hd Porn Adult Video Xxx Mom Videos


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Sep 9, 2016 by Hiromi Ogawa
Fresh off the press from Houzz...
There's no doubt that the Waverley Street Residence has a very inviting yard. It has an outdoor living area with a fire pit table, and a dining area (not shown) that is large enough for a party. Native plants thrive with very little irrigation. We love how this yard is nestled between two homes (both of which we designed), so it almost feels like a secret garden. Thanks, Houzz, for the shout out!
Topics: Architecture, Press, Projects


text: pacruise804 #101 Posted August 20, 2019 10 hours ago, madamerkf said: I am on the sept 16 cruise where they are switching but am going to get to Brooklyn early since I am platinum and like to be on the ship early. I am hoping they have the platinum lounge set up in Brooklyn since I know I might be waiting a bit to get on. NYC traffic always scares me ( I am coming from Orange County/suburbs) so I never underestimate it. All it takes is one bad accident or construction and one can literally sit for hours. I usually either get a ride or take the train down to NYC and then hop in a cab to the pier. I am thinking it will be a little bit disorganized for my sailing. I'm on this cruise with you 🙂 We sailed Regal Princess from Red Hook in 2017 and I don't remember a separate area for priority boarding - it was our first Princess and Brooklyn sailing though so we might have missed it. Possibly they will have a slightly separate area like in Baltimore (closer to the door, but still open to everyone else), but maybe not a full lounge. 0 Share this post Link to post Share on other sites


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Our automated aging billing workflow will display a notice in the MyStreamSpot customer portal when your account meets the criteria ( IE, your invoice is past due, etc)
If you would like to pay an invoice online, you can do so through your MyStreamSpot Customer Portal.
1. Start by going to "StreamSpot Tasks" and clicking on "Invoices and Billing" (https://mystreamspot.com/billing).
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Choose whether to pay with the existing card on file (if applicable) or with a new card.
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Your receipt is available immediately after clicking submit and you will receive an email confirmation of the payment.
To learn more about how StreamSpot Activation and Payments work, see the links to the other Knowledgebase articles below:


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"Why are you humping the bed?" Katie asks - a legitimate question, since that's exactly what the dog is doing.
"She's showing dominance," I say, deadpan. "Let that bed know who's boss."
"I'd rather see you try to hump the cat," Katie says to her.
Friday, January 30, 2015
Posted by Scott Lee Williams at 10:32 PM
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text: There are, broadly speaking, two types of cycling holidays. There's those cyclists you see on, say, the Beara Peninsula, slogging uphill with packed pannier bags on the front and rear – and, if they are real hardcore, a sleeping-bag strapped to the back carrier. Proper stuff. Then there's the cycling holiday I went on: a week-long tour of the Baltic states, hotels every night, 35-40km cycles every day with nice lunches and even better dinners, everything planned and taken care of.


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Good week/bad week
Good week for:
People who like beer, who for the first time since 1935 can now buy normal-strength beer in Oklahoma grocery stores, instead of the "low-point" beer with an alcohol content of 3.2 percent. "It's kind of a brave new world for everybody," said Brett Robinson, president of Beer Distributors of Oklahoma.
Country lawyers, after a court in Maine agreed to grant a defendant's request for a delay of trial on the grounds that he'd been attacked and injured by a moose. His lawyer, John Steed, described the ruling as "basically the highlight of my legal career."
Ordering in, after Irish prison officials discovered a trove of empty food containers from a local Chinese restaurant in an exercise-yard trash can. "There's no other conceivable way a Chinese takeaway could get into the prison other than by a drone," an official said.
Bad week for:
North Carolinians, who are facing a plague of mosquitoes hatching in floodwaters left behind by Hurricane Florence, including members of the species Psorophora ciliata, which are the size of a quarter and have a bite that feels "like you're being stabbed."
Modern dogs, with new research suggesting that dogs crave eye contacts and become depressed and anxious when their owners spend too much time staring at smartphones.
Name recognition, after a new poll found that about a third of voters do not know the names of their own party's candidate for Congress in November. That doesn't much matter, said political science professor Marc Hetherington, since "people aren't voting for their side as much as they are voting against the other side."


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A couple of important messages for Class 1:
– Please could all children ensure their homework folders are brought to school daily, not only to assign new tasks but for practising skills such as spelling and number facts
– We currently do not have a parent helper for this Friday's cinema trip. If anyone is available between 9am-12pm, please do get in touch. We need one additional adult, otherwise we will be unable to attend.
Thank you,
Miss Costa


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The Osceola Center for the Arts presents the Rodgers & Hammerstein musical Cinderella, performed by the Center Children's theater.
Show dates and times : July 13 at 7 PM; July 14 at 2 and 7 PM; July 15 at 2 PM.
Actors are needed for the roles of Franklin Delano Roosevelt, Bert Healy, Mr. Bundles and cabinet members.
Place: Main stage
Cost $10 adults
$5 children
Tickets call 407-846-6257 ext. 0
The center is still accepting registration for the summer camp program for children. Camp is for children ages 7 – 14. Cost is 2-weeks $220 and 1 week $110. To register and to get additional information call 407-846-6257 ext. 0


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I will have to admit that I have been more than a bit remiss in the last few days in writing or even making an appearance in-game. However, I got a gift for Christmas that I wouldn't wish on anyone at this time of year.
The gift was a cold that seems to like to torment me quite a bit by just staying in the cranial region, runny nose, fuzzy feeling and ears that seem to echo mindlessly when you aren't really paying attention. Naturally, my spouse has decided that I shouldn't have this gift alone either, so, we're sharing it.
It seems like I can get up for a while and then end up going back to bed because nothing makes any sense with the meds we're taking.
Here it is New Year's Eve and our plans are pretty simple. We have a nice bottle of champagne, however, we may not partake of that tonight as is our usual wont. We may just go to bed and wake up tomorrow and say Happy New Year.
Speaking of Happy New Year, I do wish all of you the best and hope that 2013 will be a good year for all of us.


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CANADA: Diocese of Toronto elects partnered homosexual bishop
By David W. Virtue DD
Sept. 19, 2016
The Diocese of Toronto has elected three new suffragan bishops, one of whom is the Rev. Canon Kevin Robertson, "the first openly gay, partnered bishop-elect in the diocese and perhaps in the Canadian church", said a diocesan press release.
Bishop-elect Robertson was elected on the fourth ballot of the second election. He is 45 and the incumbent of Christ Church, Deer Park, in Toronto. After earning his Master of Divinity from Trinity College in 1997, he was ordained deacon the same year and priest in 1998. He and his partner Mohan have two children.
"I'm very overwhelmed," he said on the chancel steps after the elections. "I didn't really expect to be standing here on the steps, but I'm deeply, deeply honored. I realize this is an historic day in the life of our church. It's no secret that I'm the first openly gay, partnered bishop-elect in the diocese and perhaps in the Canadian church as well, and I know that for some people that's a real challenge and for others it's the fulfillment of what they've been hoping and praying for a very long time. The peace and unity of the church is really important to me and I will work to continue that peace and unity as a bishop."
Bishop-elect Robertson said his election is a turning point for the church in accepting and supporting LGBTQ people. "I think General Synod (in July) was a turning point for the national church and my election today is a turning point for our diocese, and I'm honored to be a part of that. I'm really encouraged by the developments over the past couple of months -- both General Synod and today bode really well for the full inclusion of LGBTQ people in the life of our church."
He said he will be a bishop for the whole church. "I think LGBTQ clergy and lay people might naturally gravitate towards me looking for some leadership around the issue of full inclusion, but I absolutely see myself as a bishop for the whole church, including people who have a very different view of things than I do. I'm their bishop, too."
Before the first election began, the Rev. Dr. Catherine Sider Hamilton issued an official protest against the inclusion of "one candidate whose lifestyle is, to the best of my knowledge, irregular according to the teaching of the church regarding chastity and marriage. It is a teaching that still stands formally, and I believe that the inclusion of this candidate by the nominations committee is premature." Archbishop Johnson replied that all the nominees were clergy under license in the diocese and in good standing. Synod proceeded with all the nominees on the ballot.
Considering the state of the Anglican Church of Canada, it was inevitable, as it is not really a Christian denomination any more.
He said he is passionate about renewing ministry at the parish level. "I hope I can help to renew the life of the church at the local level, and as a result strengthen and enhance the whole church. One of the things I want to do is really engage with clergy and lay leaders, including churchwardens, to reinvigorate things."
The ACoC began its historic slide into ecclesiastical sexual oblivion in 2002, when it became "passionate" as one Canadian diocese, the Diocese of New Westminster, authorized a rite for the blessing of same-sex unions at its 2002 Diocesan Synod. The use of the rite by individual parishes was incumbent upon a specific request of the parish made through its annual vestry meeting or resolution of its parochial church council. This was heartily pushed and endorsed by New Westminster Bishop, Michael Ingham.
By May 2003, six of the diocese's 76 parishes received authorization to use the rite. On May 28, 2003, the first same-sex union sanctioned by the Diocese of New Westminster occurred in Vancouver, in the church basement of St. Margaret's Cedar Cottage Church. Bishop Michael Ingham said of the rite, "This is not a marriage ceremony, but a blessing of permanent and faithful commitments between persons of the same sex." Since then, ten other dioceses (Edmonton, Nova Scotia and Prince Edward Island, Winnipeg-based Rupert's Land, Ottawa, Toronto, London-based Huron, Quebec, Hamilton-based Niagara, Montreal and Victoria-based British Columbia) have followed suit. The Anglican Parishes of the Central Interior (formerly the Kamloops-based Diocese of Cariboo and now known as the Territory of the People, also permit such rites.
This action by the diocese of Toronto will be viewed by the Global South as yet another betrayal of the Windsor Report and Lambeth resolution 1:10. It will confirm to their minds that the West is lost and, when some 36 Global South archbishops gather in Cairo next month to discuss the state and future of the Anglican Communion, it will be seen as a further tearing of the fabric of the Communion from which there is no way back.
David W. Virtue DD is the president of VIRTUEONLINE, www.virtueonline.org VOL is the Publication of Origin for this work. Permission to republish is freely granted with credit and a link back to VOL.
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August 22, 2018
Resistance training and exercise motivation go hand-in-hand
University of Jyvaskyla via ScienceDaily
A recent study conducted in the University of Jyväskylä suggests that resistance training improves exercise motivation and contributes to making exercise planning among older adults. Exercise motivation and exercise self-efficacy are key factors in continuing resistance training. Resistance training can maintain and increase muscle strength and functional capacity when aging and it is recommended for older adults at least twice a week.
The exercise that helps mental health most
The Wall Street Journal
We assume exercise improves our mental health. But what kind of exercise works best? Researchers looking at the link between physical activity and mental health found that team sports fared best, followed by cycling, either on the road or a stationary bike. The study, published in the journal Lancet Psychiatry this month, is among the first of its kind, and the largest, analyzing the effect of different types of exercise.
Most Americans don't know exercise decreases cancer risk
We know that a regular workout slashes our risk for a number of health woes, but there's one preventable disease that flies under most Americans' radar: cancer. After surveying 1,161 people, researchers at Washington University found that about two-thirds of participants knew that limited exercise was linked to cardiovascular and metabolic problems, but only 3.4 percent associated an inactive lifestyle with increased cancer risk.
Rookie vegetarianism and the junk food trap
A variety of inspirations may spark a vegetarian or vegan lifestyle change, the most common being animal welfare, environmental welfare and personal health. But even if health isn't the reason, it's important to maintain good health within any diet. Why not enjoy the benefits of being a vegetarian, even if you're doing it for the cows and the trees?
Study: Kids living near forests have more 'diverse' diets, better nutrition
ABC News
Children who live near forests appear to have better nutrition, according to a large-scale study across four continents. No, they're not eating pine cones and acorns. But they probably do have a more diverse diet, the study published in the journal Science Advances said, and that helps with overall nutrition. In their analysis, the authors found that the children living close to forest edges had 25 percent greater dietary diversity.
Healthy diet linked to healthy cellular aging in women
Medical Xpress
Eating a diet that is rich in fruits, vegetables and whole grains and low in added sugar, sodium and processed meats could help promote healthy cellular aging in women, according to a new study published in the American Journal of Epidemiology. "The key takeaway is that following a healthy diet can help us maintain healthy cells and avoid certain chronic diseases," said lead author Cindy Leung, assistant professor of nutritional sciences at the University of Michigan School of Public Health.
Low-carb diet linked to early death, medical study suggests
USA Today
Cutting carbohydrates might also cut lifespan by up to four years, according to a new medical study. The peer-reviewed research published in the medical journal The Lancet Public Health suggests low and high-carb diets could shorten life, and diets including some carbs could promote a healthy lifespan. Scott Solomon, senior author on the study, called the research "the most comprehensive study of carbohydrate intake" ever.
Clearer skin, fewer vitamins: How a vegan diet can change your body
Veganism, the plant-based diet which shuns meat and dairy, is having its time in the sun. Since 2008, there has been a 350 percent increase in the number of self-described vegans in the U.K. alone. Where this motivation stems from is varied, but includes concerns about animal welfare, worries about the environment and religious reasons.
Do you need a daily supplement?
Harvard Health
Over-the-counter dietary supplements are big business — more than 90,000 products generate about $30 billion every year in the United States. Older adults make up a big part of these sales, too. A survey of almost 3,500 adults ages 60 and older published Oct. 1, 2017, in The Journal of Nutrition found that 70 percent use a daily supplement, 54 percent take one or two supplements, and 29 percent take four or more.
What you should know about 'teatox' as a way to detox
Consumer Reports
It's called the "teatox": drinking teas infused with diuretics, laxatives, and stimulants like caffeine — along with eating lightly and exercising — for up to 30 days or more to reduce bloat, boost energy, strengthen your immune system, and ultimately speed weight loss. That last claim seems to be key, whether for a teatox or another kind of detox regimen.
The University of Rochester School of Nursing offers the first 100% online Care Management Education program from a top-tier academic medical center. Whether it's onboarding new care managers or renewing a managed care nursing certification, the UR School of Nursing's courses are all taught by practicing experts. Students learn cutting-edge strategies to improve patient experience, manage population health, and reduce health care costs. The ABMCN has endorsed all 68 contact hours as preapproved renewal credits. Please
click here
for more information.
Senseonics today announced the U.S. Food and Drug Administration has approved its Pre-market Approval (PMA) application to market the company's Eversense® Continuous Glucose Monitoring (CGM) System to people with diabetes in the United States. The system is the first and only CGM system to feature an implantable glucose sensor and provide long-term continuous monitoring for up to three months. Please
click here
to view the full press release..
Novo Nordisk and the National Association of Managed Care Physicians (NAMCP) Medical Directors Institute have released the supplement titled "
Management of Obesity: Considerations in Managed Care Medicine
" in the Journal of Managed Care Medicine. Obesity is a chronic, relapsing, multifactorial, neurobehavioral disease resulting in adverse metabolic, biomechanical, and psychosocial consequences. The medical and financial burden of obesity significantly affects individuals, health care providers, employers, payers, and society. This supplement provides an extensive overview of the problem of obesity, the benefits of modest weight loss, and why various stakeholders are affected by and should address the issue.
Click here
to view the published article on the important topic of obesity management.
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Seattle Genetics announced an FDA approved label expansion for our lead product/program Adcetris (Brentuximab Vedotin) in combination with chemotherapy for adults with previously untreated stage III or IV classical Hodgkin Lymphoma.
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for more information.
Advanced Accelerator Applications, a Novartis Company, Receives US FDA Approval for LUTATHERA®, a First-in Class Treatment for Gastroenteropancreatic Neuroendocrine Tumors (GEP-NETs). Please
click here
to read the entire press release.
The Alliance for Regenerative Medicine (ARM) and the National Association of Managed Care Physicians (NAMCP) Medical Directors Institute announced today the joint release of their recent study of medical director perspectives on value demonstration and reimbursement for regenerative and advanced therapies.
Click here
to view the published article about the study.
The Centers for Medicare & Medicaid Services (CMS) has finalized a New Technology Ambulatory Payment Classification (APC) for the HeartFlow® FFRct Analysis, a first-of-its-kind non-invasive technology that helps clinicians diagnose and treat patients with suspected coronary artery disease. Under the APC payment system, hospitals enrolled in Medicare that bill CMS for the HeartFlow FFRct Analysis for Medicare patients are eligible for reimbursement effective January 1st, 2018. Please
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Winter Track Prepares for Spring
By Molly Kuhn
Staff Writer
Winter track falls between the beginning of December till the end of the February in order to prepare the dedicated athletes for this coming Spring season.
The opportunity to become involved in this sport has been available to Red Lion students for several years, however the team has been attending meets and invitationals for only four years. "There has been more involvement and interest," Track Coach Todd Barshinger said.
Winter track has roughly about four to five invitationals a year and they meet a few Saturdays throughout the winter season.
"It's not as serious as spring track," said sophomore Angelica Gonzalez who has been involved in Winter track for the last two years. Angelica further explained that it is an option to attend practices and the meets, not mandatory like Spring track.
Senior Adam Weigle who participates in all three throwing events in the spring says, "[Winter track] is beneficial because it gives you time to work on key muscle groups, and develop better techniques."
Seeing the dedicated athletes work hard in the winter to prepare for the spring is Coach Barshinger's favorite thing about winter track.
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August 2018


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NIGHT CITY is one of the pieces developed for the Shaping Reality video, and is a favorite of mine. It's based on the image of a white 3D cube, elongated and duplicated and then illuminated with directional lighting modified by multiple gradients. It came about during a series of many, many experiments with the starting cube, and I kept coming back to it to study the effect it achieved. It uses deceptively simple techniques that were developed through an approach that was more analytical than aesthetic.
TRANSFORMATIONS 2020: An Exhibition of the Imagination, online from the Pennsylvania Center for Photography, Doylestown, PA (dates approx 11/7/20 – 2/1/21)
Aggregate Animated Shorts 4th Annual Short Film Festival, Aggregate Gallery, Oakland, CA (7/25/20 – 8/7/20)
SHAPING REALITY was juried into this festival, which has moved online this year making it accessible to everyone! Watch the Narrative and Non-Narrative compilations on YouTube and vote for your favorites before August 7!
Graphic Era: A Celebration of the Graphic Arts, Delaplaine Arts Center, Frederick, MD (4/4/20 – 4/26/20) [see Thoughts post here]
This exhibition has moved online due to COVID-19 closings–you can do a really cool virtual walkthrough here.
Fiberart International touring exhibition, Museum of Art/Fort Collins, Fort Collins, CO (5/22/20- 7/16/20) This exhibition was, sadly, canceled due to COVID-19 closings.
Hard and Soft 2020, Denton Arts Council, Patterson-Appleton Arts Center, Denton, TX (2/7/20 – 5/9/20) This exhibition has moved online due to COVID-19 closings–see all about it here, including a really nice video walk-through
Fellowship Gallery Exhibition, Federated Church, Chagrin Falls OH (Jan – Feb 2020) — Artist walk-through on Sunday 2/2/20 at 11:15am. All are welcome!
Vogue Knitting Live Columbus, Greater Columbus Convention Center, Columbus OH (10/31/19 – 11/3/19)
Workshop: Knitting What You See, Potomac Fiber Arts Guild, Potomac, MD (10/10/19 – 10/12/19)
Beyond the Surface: SDA Juried Members Exhibition 2019, part of the Surface Design Association's 2019 conference in collaboration with the St. Louise Artists' Guild, St. Louis, MO (9/20/19 – 10/23/19)
Brew House Gallery Artist Dialogue panel discussion as part of Fiberart International 2019, Pittsburgh, PA (8/17/19)
Exposure Gallery, Surface Design Journal, vol. 43, no. 2, Summer 2019 [link to the article]
"An Interview with Melinda Stees," Yarn: The Australian Magazine for Creative People, no. 54, June 2019
Fiberart International 2019, Brew House Association Gallery and Contemporary Craft, Pittsburgh, PA (5/31/19- 8/24/19)
Fiber Art Forum at Fiberart International 2019, Brew House Association Gallery and Contemporary Craft, Pittsburgh, PA (6/1/19)
The Nation magazine's OppArt series: YOU KNOW YOU WANT TO (4/24/19)
A Fusion of Art and Music with Barry Stees and Friends, part of the Chagrin Arts 2019 concert series: includes my video featuring four new knitted works accompanying a new composition by Jeffrey Rathbun. Chagrin Falls, OH (4/26/19)
ClevelandClassical.com preview feature on the "A Fusion of Art and Music" concert (4/23/19), and review (5/7/19).
Breaking Barriers: Art as the Messenger, participant in a panel discussion at the Cato Institute (4/17/10): watch the recorded livestream here.
Nuance: Craftsmanship, Imagination and Innovation, Peters Valley School of Craft, Layton, NJ (4/13/19 – 5/20/19)
Fiber Art Now blog guest post: One Stitch = One Pixel: The Art Knits of Melinda Stees (2/10/19)
The Nation magazine's OppArt series: NO WAY TO STOP A WOLF (2/4/19)
Freedom: Art as the Messenger, Cato Institute, Washington, DC (4/11/19- 6/14/19)
Craft Revolution, Orange County Center for Contemporary Art, Santa Ana, CA (2/2/19 – 3/23/19)
Focal Point, Maryland Federation of Art, Annapolis, MD (1/24/19 – 2/24/19); Juror's Choice Award for "Eclipse (feat. Bats!)"
Vogue Knitting Live NYC 2019 Knit Art Gallery, New York Marriott Marquis (1/25/19 – 1/27/19)
Excellence in Fibers IV, Fiber Art Network exhibition-in-print in Winter 2018/2019 issue
Craft Forms 2018, Wayne Art Center, Wayne, PA (12/8/18 – 1/26/19)
47th Annual Juried Art Exhibit, Valley Art Center, Chagrin Falls, OH (11/2/18 – 12/12/18); Honorable Mention for "How will YOU take a stand? (Unexpected 3D #1)"
Up Close, Artrepreneur (an Orangenius company) online exhibition of winning portfolios; 2nd Prize in Sculpture/Craft category
Textile Art Collective Gallery in Embellish: The Australian Magazine for Textile Arts, #35: "With Inspiration from the Farmyard," September 2018
NewNow 2018, Artists Archive of the Western Reserve, Cleveland, OH (9/13/18 – 10/18/18)
Figure Study–Hidden Story, Healdsburg Center for the Arts, Healdsburg, CA (9/8/18 – 10/21/18)
Art in an Age of Anxiety, Arts Guild of Sonoma, Sonoma, CA (8/30/18 – 10/1/18)
The Art of Labor: SDA Juried Members Exhibition 2018, Surface Design Association and San Jose Museum of Quilts and Textiles, San Jose, CA (7/22/18 – 10/14/18)
Thread Count: New Directions in Fiber Art, Arts Benicia, Benicia, CA (6/2/18 – 7/1/18)
Fiber National 2018, Workhouse Arts Center, Lorton, VA; (6/1/18 – 7/29/18); Bunny Clark Award of Excellence for THE START OF IT ALL
Resistance Art in Trumpian Times, Kyo Gallery, Alexandria, VA; (5/25/18 – 9/28/18); Winner of a solo exhibition in 2019 for NO WAY TO STOP A WOLF
Portraying Pets and People, 311 Gallery, Raleigh, NC (5/3/18 – 5/26/18)
Clearly Human III, St. Louis Artists' Guild, St. Louis, MO (4/13/18 – 5/26/18)
Material National Fiber Arts Exhibition, d'Art Center, Norfolk, VA (2/20/18 – 3/29/18)
Surface Design Association Friday Fibers Roundup: Extreme Knitting (3/2/18)
Identity: PEOPLE, Valley Art Center, Chagrin Falls, OH (1/26/18 – 3/7/18)
Meowzy, 3 Square Art, Fort Collins, CO; (1/18/18 – 2/16/18); Gold Award for LAST MEMORY OF BELA
Consilience of Art and Science, Pence Gallery, Davis, CA; (1/26/18 – 3/2/18); First Place award for LINE DANCE AT METAPHASE
Hand in Hand: Craft and New Technologies, Crooked Tree Arts Center, Petoskey (1/20/18 – 3/24/18) and Traverse City (4/14/18 – 6/6/18), MI
Anima<>Animus<>Animal, permanent online exhibition at artscenetoday.com (as of 2/19/18)
Subversive/Domestic, Shenandoah Valley Art Center, Waynesboro, VA (12/2/17 – 1/20/18)
Nude Nite Miami-Wynwood, Miami, FL (11/9/17 – 11/11/17)
Cellulart: Bridging Cytoskeletal Research and Art, University of Toledo Center for the Visual Arts, Toledo, OH (9/29/17)
Micro/Macro, Sulfur Studios, Savannah, GA (9/22/17 – 9/30/17)
Fin, Fur & Feather, Valley Art Center, Chagrin Falls, OH (9/2/17 – 10/11/17)


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KPIT Technologies hiring Trainee Engineer off campus through FirstNaukri for the 2017 batch passed candidates. KPIT has announced many job openings for development & testing automation based projects.
KPIT Technologies Off Campus
|Job Role
|Trainee Engineer
|Bangalore, Pune
|Total Vacances
|BE/BTech, MCA, BCA and BSC
|Last Date
KPIT, a global IT Consulting and product engineering partner, is focused on co-innovating domain intensive technology solutions for corporations specializing in automotive & transportation, manufacturing and energy & utilities. A leader in technology solutions and services, KPIT currently partners with 200+ global corporations including Original Equipment Manufacturers (OEMs), semiconductor companies and Tier 1 companies.
Eligibility Criteria :
CSE/IT Background :
- Fresher minimum qualification of BE, MCA, BCA and BSC graduates with computer science background
- Candidates should have graduated in 2017 with mentioned percentage:
- Class 10th -80%, 12th- 80%, Graduation -70% ( For Technical)
- Class 10th -80%, 12th- 80%, Graduation -75% ( For Non-Technical)
- Candidate should have good communication skills – Both Verbal & Written
- Analytical & Logical Reasoning skills
Candidates should have:
- Good knowledge in OOPS
- Good knowledge on C/C++
- Knowledge/Experience in Java is preferred
- Knowledge in Data Structures is highly preferred
ECE/EEE Background :
- Qualification: B.E/B. Tech Branches {Electrical and Electronics, Electronics and Communication, Electronics and Instrumentation, Instrumentation and Control}
- Criteria: 55% through out education.
- The candidate must be competent in Basics of Electronics and C Programming.
Selection Process :
- Online Aptitude & Technical Interview
- Group Discussion
- 2-3 Rounds of Technical Interview
- HR Interview
How To Apply :
Interested & eligible can apply for this job role.
Apply Link for CSE/IT : Click Here
Apply Link for ECE/EEE : Click Here
Important Note : Freshers (especially 2017, 2018 batch) should write eLitmus, amcat, cocubes and other evaluation tests for better job opportunity. And also make friends with employees of various organisations for referral purpose.


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Vidyut Jammwal Starrer Junglee Full Movie Leaked Online To Download By Tamilrockers 2019
Vidyut Jammwal's Junglee Full Movie Got Leaked Online To Download And Watch Online By Tamilrockers
One of the most anticipated movies of Bollywood actor Vidyut Jammwal Junglee has been leaked by Tamilrockers and available to watch online and download for free from the web, reported Bollywood Bubble. Filmmakers and actors spend months and sometimes years to make a film but pirates websites such as Tamilrockers do not take minutes or hours to get them leaked online and make it available for people to download.
In this week, Tamilrockers have leaked almost all movies which hit the theatres on March 28-29 including Hindi, Telugu and Malayalam. The movies which have fallen prey to piracy website this week are Airaa, Lucifer, Super Deluxe and Chuck Russell directorial Junglee. As per the reports, there are several qualities including Junglee's HD version has been leaked online. Top 15 Free Movies Download Websites To Download HD Movies
Talking about the story of Junglee, it revolves around a veterinary doctor (Vidyut Jammwal) who comes back to his father's elephant's reserve to eventually save it from International poachers.
Whenever government ban Tamilrocker's url they come up with a new extension to not get caught. Prior to Junglee, Tamilrockers had earlier leaked several Bollywood films including Gully Boy, Thackeray, Uri: The Surgical Strike, The Accidental Prime Minister, Manikarnika: The Queen of Jhansi, Ek Ladki Ko Dekha To Aisa Laga, Total Dhamaal.
Related Posts
Previously, the makers of Uri: The Surgical Strike starring Vicky Kaushal and Yami Gautam had devised a smart plan to tackle piracy. As soon as somebody downloaded the link of a pirated copy of the film, a video will open that would advice the viewers to not support piracy and watch the film in theatres. However, the plan also failed and Uri made its way to Tamilrockers after a few days.
The film Junglee received mixed reviews from both critics and audience. It is to be noted that it was earlier scheduled to release on April 5 and clash with John Abraham's Romeo Akbar Walter. However, the film was preponed by a week to March 29. The film hit the theatres today and clashed Zaheer Iqbal and Pranutan Bahl starrer Notebook.


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Kim Dong Publishing House, Thieu Nien Tien Phong newspaper and Vi Hoang Sa Truong Sa Than Yeu (The love for Paracel & Spratly archipelagos) club launched a writing competition about the country's sea and islands named " Nhung cau chuyen ve bien dao" ( Stories of sea and islands).
The writing competition is for those aged from 9-11 years old who are living in the country.
Entries should not have more than 500 words and they are not published in newspapers or books.
Works must be sent to Kim Dong Publishing House's Media Room at 22 Hang Chuoi Street in Pham Dinh Ho Ward in Hanoi's Hai Ba Trung District or email:email@example.com, from September 1 to November 30.
It is scheduled to hold prize-giving ceremony in December, 2016


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NVIDIA shows off new 3D PC monitor at CES
NVIDIA's announced and shown off its new 3D PC monitor at CES.
Built by Lenovo, the monitor "delivers a breathtaking stereoscopic 3D experience for gamers, movie-lovers and photo enthusiasts on their PCs and notebook computers."
Levono's also showing off its IdeaCentre K330 PC, which it says is "a high-performance 3D gaming PC tower that features the powerful NVIDIA GeForce GTX460 GPU."
"NVIDIA's 3D Vision delivers superior quality, performance and compatibility required to our consumers to enjoy an immersive 3D entertainment experience," said director of Levono's idea product group, Wei Jin.
"The IdeaCentre K330 PC and L2363d monitor were designed with this in mind, providing new levels of power, performance and high-quality visuals to shift consumers' 3D gaming and multimedia experiences into overdrive."
The press release is here.


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It seems like just a few years ago photography degrees at universities rarely existed outside of dedicated art colleges, although now they are more commonly part of programs around the world.
Universities can teach you the theory behind photography, but may often lack in the practical elements of the trade. It also takes years to become a good photographer. When the industry and technology required you to develop your own film, you had to know exactly what you were doing with exposure and shutter speed. There are now many universities that have a photography career and many photography and film scholarships, they are actually really popular careers now.
Now with digital cameras, some of the guesswork is taken out of it during the learning process. Thousands of photos can be taken in a day and while you may end up with the shot you were looking for, it can take longer to learn how to replicate that down the track.
Camera School I
What we cover: lighting, composition, manual shooting, posing, editing. Book our next class HERE.
Camera School II
For graduates of Camera School I. What we cover: Lightroom, Photoshop, shooting in manual, photographing people.
Business Coaching
What we cover: marketing, client care, internal/external education, bookkeeping, individual instruction. Email email@example.com to schedule a call. We'd love to format this to your needs.
Book our next class HERE.


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Kyle Wright has been promoted to Triple-A Gwinnett
The Atlanta Braves first pick (no. 5 overall) in 2017 has been promoted from the Double-A Mississippi Braves to the Triple-A Gwinnett Stripers. This comes just a day after the organization announced Kolby Allard will make his MLB debut on Tuesday against the Miami Marlins.
Kyle Wright is currently the Braves number two prospect behind only Mike Soroka. The 6'4 200 pound pitcher is the number nine rated player on the right-handed prospect board, and the 25th best overall prospect in MLB.
The combination of Wright's 95-96mph fastball, peaking at 98mph, and his deadly curveball has gotten him one step closer to the major leagues. In 20 games in AA, he went 6-8 with a 3.70 ERA. In 109.1 innings he gave up only 103 hits and 51 runs, striking out 105 batters and only walking 43.
Seeing Wright one step closer to Atlanta is great news for the fans. They can now think about a rotation that will consist of Newcomb, Soroka, Allard, and Wright.
What a time to be a Braves fan!!!
Ryan Andrews | @Ry_And1


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Wednesday, January 29, 2014
The Subtext of Details
6 comments:
- Jordan Dane said...
I love this, Maureen. Such a rich example of subtext & great suggestions on how/when to use them. One of my favorite early scenes I'd written in my first suspense story centered on an old wine stain on my heroine's lace tablecloth that had belonged to her dead mother. She's having a strained conversation with her lover about him leaving the country, something he's already made up his mind on, while their untouched food congeals on their plates. As the tension escalates into angry words, she hears the steady tick of her family clock and feels watched by the framed family portraits of her dead parents as she slowly loses him, the one person she's let into her life who's become her world, her family. The subtext of family history in the house she'd inherited escalates until he walks out on her. The scene would never have been the same without the subtext & the imperfection of that wine stain. Her avoidance.
I like scenes like that. It makes writing fun. Thanks for the reminder of a great craft notion that I hear few authors talk about. Well done.
- January 29, 2014 at 6:01 AM
- Stephen Wallenfels said...
I'd notice the yellow liquid dripping from the wire and the two boys walking away one laughing the other not and the big-eyed cow nearby wondering why would anyone do something that stupid.
Love the post, Maureen. Subtext is the secret sauce.
- January 29, 2014 at 7:26 AM
- Maureen McQuerry said...
Thanks, Jordan. As I reader I live for the details, such power in everyday items.
Steve, I believe your fence was electric?
- January 29, 2014 at 8:36 AM
- Stephen Wallenfels said...
That is my experience with barbed wire fences and the wisdom of cows.
- January 29, 2014 at 8:48 AM
- Sechin Tower said...
I have to say Stephen's version made me laugh, and your post, Maureen, helped me realize that details help the reader become an active participant in the story as we connect the dots for ourselves.
I accidentally discovered a great exercise in detail: write a book from the point of view of someone with Aspergers. As I was going back through my manuscript, I kept having to change things like "he looked happy" to "he smiled" because the POV character wouldn't have made that conclusion about someone's mood. The character is, however, a keen observer, so the world through her eyes would be very detailed even though the final conclusions would need to be left to the reader.
- January 29, 2014 at 3:18 PM
- Maureen McQuerry said...
What a great exercise, Sechin! I'm going to steal it! the truest form of flattery.
- January 29, 2014 at 3:25 PM


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Microsoft Teams: The Dawn of the Limitless Workplace
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