Footnotes
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8Caroline Beaton, “Why Knowledge Workers Are Bad at Making Decisions,” Forbes, http://www.forbes.com, January 23, 2017; Josh Zumbrun, “The Rise of Knowledge Workers Is Accelerating Despite the Threat of Automation,” The Wall Street Journal, http://www.wsj.com, May 4, 2016.
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13 U.S. Small Business Administration. (2016). Is Entrepreneurship For You? SBA.gov. Retrieved from: https://www.sba.gov/starting-business/how-start-business/entrepreneurship-you
14 Waters, S. (2016). Top Four Reasons People Don’t Start a Business. Retrieved from: http://retail.about.com/od/startingaretailbusiness/tp/overcome_fears.htm
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16 Headd, B. (2010). An Analysis of Small Business and Jobs. U.S. Small Business Administration, Office of Advocacy. Retrieved from: https://www.sba.gov/sites/default/files/files/an%20analysis%20of%20small%20business%20and%20jobs(1).pdf
17 Breitzman, A., & Hicks, D. (2008). An Analysis of Small Business Patents by Industry and Firm Size. Office of Advocacy, Small Business Administration.
18 Baumol, W. J. (2005). Small Firms: Why Market-Driven Innovation Can’t Get Along without Them. U.S. Small Business Administration, Office of Advocacy.
19 Yahoo.com. (2016). Amazon.com Income Statement. Finance.yahoo.com. Retrieved from: http://finance.yahoo.com/q/is?s=AMZN+Income+Statement&annual
20 Baumol, W. J. (2005). Small Firms: Why Market-Driven Innovation Can’t Get Along without Them. U.S. Small Business Administration, Office of Advocacy.
21 Illinois Small Business Development Center at SIU. (2016). Frequently Asked Questions: What are the Pros and Cons of Owning a Business? Retrieved from: http://sbdc.siu.edu/frequently-asked-questions/index.html
22 Chun, J. (1997). Type E Personality: What makes entrepreneurs tick? Entrepreneur. Retrieved from: https://www.entrepreneur.com/article/13764
23 Allen, K. (2001). Getting Started in Entrepreneurship. Entrepreneurship for Dummies. New York: Wiley.
24 Thurm, S., & Lublin, J. S. (2005, November 14). Peter Drucker’s Legacy Includes Simple Advice: It’s All about the People. The Wall Street Journal. Retrieved from: http://www.wsj.com/articles/SB113192826302796041
25 Krass, P. (1997). Sam Walton: Running a Successful Business: Ten Rules that Worked for Me. In The Book of Business Wisdom: Classic Writings by the Legends of Commerce and Industry (Pp. 225-230). New York: Wiley.
26 Schultz, H., & Yang, D. J. (1997). Pour Your Heart into It. New York: Hyperion.
27 Steiner, C. (2010). Meet the Fastest Growing Company Ever. Forbes. Retrieved from: http://www.forbes.com/forbes/2010/0830/entrepreneurs-groupon-facebook-twitter-next-web-phenom.html
28 The Week. (2011). Groupon’s ‘Startling’ Reversal of Fortune. News.Yahoo.com. Retrieved from: https://www.yahoo.com/news/groupons-startling-reversal-fortune-172800802.html
29 Peterson, H. (2014). Here’s How Much It Costs To Open Different Fast Food Franchises In The US. BusinessInsider.com. Retrieved from: http://www.businessinsider.com/cost-of-fast-food-franchise-2014-11
30 Seid, M., & Ainsley, K. M. (2002). Franchise Fee—Made Simple. Entrepreneur.com. Retrieved from: https://www.entrepreneur.com/article/51174
31 Farrell, M. (2007). Risky Business: 44% of Small Firms Reach Year 4. Forbes. Retrieved from: http://www.msnbc.msn.com/id/16872553/ns/business-forbes_com/t/risky-business-small-firms-reach- year/#.Tl_xVY7CclA
32 U.S. Census Bureau. (2012). Estimates of Business Ownership by Gender, Ethnicity, Race, and Veteran Status: 2012. U.S. Census Bureau. Retrieved from: http://www.census.gov/library/publications/2012/econ/2012-sbo.html#par_reference_25
33 Central Intelligence Agency. (2016). World Factbook. CIA.gov. Retrieved from: https://www.cia.gov/library/publications/the-world-factbook/fields/2012.html
34 Ecoscraps.com. (2016). Our Story. Ecoscraps.com. Retrieved from: http://ecoscraps.com/pages/our-story
35 Isidro, I. (2003). How to Succeed Online with a Niche Business: Case of RedWagons.com. PowerHomeBiz.com. Retrieved from: http://www.powerhomebiz.com/online-business/success-online-business/succeed-online-niche-business-case-redwagons-com.htm
36 Isidro, I. (2001). Geese Police: A Real-Life Home Business Success Story. PowerHomeBiz.com. Retrieved from: http://www.powerhomebiz.com/working-from-home/success/geese-police-real-life-home-business-success-story.htm
37 Baron, D. (2003, August). Facing-Off in Public. Stanford Business. Retrieved from: https://www.gsb.stanford.edu/sites/gsb/files/2003August.pdf
38 Transparency Market Research. (2014, July). Electric Vehicles Market (on-road) (hybrid, plug-in, and battery) – Global Industry Analysis, Size, Share, Growth, Trends and Forecast, 2013 – 2019. Retrieved from: http://www.transparencymarketresearch.com/electric-vehicles-market.html
39 “Generation Y Lacking Savings,” Fort Worth Star-Telegram, September 13, 2009, 2D.
40 Note: Not all demographers agree on the cut-off dates between the generations.
41 Source: Annie E. Casey Foundation
42 “Telecommunications Marketing Opportunities to Ethnic Groups: Segmenting Consumer Markets by Ethnicity, Age, Income and Household Buying Patterns, 1998–2003,” The Insight Research Corporation, 2003, http://www.insight-corp.com/reports/ethnic.asp (accessed December 2, 2009).
43 “Proximity marketing to delight customers & drive engagement,” https://www.beaconstac.com/ (accessed March 11, 2021).
44 “U.S. Framework and VALS™ Type,” Strategic Business Insights, http://www.strategicbusinessinsights.com/vals/ustypes.shtml (accessed December 2, 2009)
45 PESTEL analysis: The examination of political, economic, social, technological, environmental, and legal factors and their implications for an organization.
46 Political segment: The portion of the general environment that involves governments.
47 Economic segment: The portion of the general environment that involves economic and financial conditions.
48 Social segment: The portion of the general environment that involves demographics and cultural trends.
49 Technological segment: The portion of the general environment that involves scientific advances.
50 Environmental segment: The portion of the general environment that involves the natural environment.
51 Legal segment: The portion of the general environment that involves the law and courts.
52 Intellectual property rights: The ability of an organization to protect intangible goods such as movies, software, and video games from piracy.
53 PepsiCo, Inc., “Our Mission and Vision,” http://www.pepsico.com/Company/Our-Mission-and-Vision.html (accessed December 7, 2009).
54 United Way Worldwide, “Mission and Vision,” http://www.liveunited.org/about/missvis.cfm (accessed December 7, 2009).
55 “How Do You Develop a Unique Value Proposition?,” http://www.infomarketerszone.com/public/182.cfm (accessed February 12, 2012).
56 “Wal-Mart Unveils Plans for Own-Label Revamp,” Financial Times, March 17, 2009, 15.
57 Nupur Anand. https://www.dnaindia.com/business/report-kotler-adds-a-5th-p-to-his-set-of-four-purpose-1812393
58 “Designing Cars for the Elderly: A Design Story,” http://www.businessweek.com/globalbiz/content/may2008/gb2008056_154197.htm (accessed April 13, 2012).
59 “Dictionary of Marketing Terms,” http://www.allbusiness.com/glossaries/marketing/4941810-1.html (accessed October 14, 2009).
60 “Latino Purchasing Power Now Pegged at $1 Trillion,” Mariowire.com, May 4, 2011, http://www.mariowire.com/2011/05/04/latino-purchasing-power-1-trillion/.
61 Princeton University, “WordNet,” http://wordnetweb.princeton.edu/perl/webwn?s=social+class&sub=Search+WordNet&o2=&o0=1&o7=&o5=&o1=1&o6=&o4=&o3=&h= (accessed October 14, 2009).
62 “More Cars Sold in China than in January,” France 24, February 10, 2009, http://www.france24.com/en/20090210-more-cars-sold-china-us-january-auto-market (accessed October 14, 2009).
63 “Johnnie Walker,” http://en.wikipedia.org/wiki/Johnnie_Walker (accessed October 14, 2009).
64 “Teen Market Profile,” Mediamark Research, 2003, http://www.magazine.org/content/files/teenprofile04.pdf (accessed December 4, 2009).
65 “Best Global Brands,” Interbrand, 2009, http://www.interbrand.com/best_global_brands.aspx?langid=1000 (accessed January 20, 2010).
66 “Microwave Oven,” Wikipedia, http://en.wikipedia.org/wiki/Microwave_oven (accessed January 20, 2010).
67 “Starbucks v McDonald’s,” Economist, January 10, 2008, http://www.economist.com/business/displaystory.cfm?story_id=10498747 (accessed January 20, 2010).
68 The set of external conditions and forces that have the potential to influence the organization.
69 Industry (competitive environment): Multiple organizations that collectively compete with one another by providing similar goods, services, or both.
70 Generalenvironment(macroenvironment):Overalltrendsandeventsinsocietysuchassocialtrends,technologicaltrends,demographics,andeconomicconditions.
71 Opportunities: Events and trends that create chances to improve an organization’s performance level.
72 Threats: Events and trends that may undermine an organization’s performance.
73 Economies of scale: A cost advantage created when a firm can produce a good or service at a lower per unit price due to producing the good or service in large quantities.
74 Strategic ploy: A specific move designed to outwit or trick competitors.
75 Strategy as pattern: The extent to which a firm’s actions over time are consistent.
76 Strategy as position: A firm’s place in the industry relative to its competitors.
77 Strategy as perspective: How executives interpret the competitive landscape around them.
78 Intellectual property: The legal rights that result from intellectual activity in the industrial, scientific, literary, and artistic fields (Canadian Intellectual Property Office, 2014).
79 Patent: Legal decree that protects inventions from direct imitation for a limited period.
80 Trademark: A word (or words), a design, or a combination of these used to identify the goods or services of one person or organization.
81 Copyright: Provides exclusive rights to the creators of original artistic works such as books, movies, songs, and screenplays.
82 Piracy: Theft of trademark or copyrighted material.
83 Glassdoor Team. “How Long Should the Interview Process Take?” June 18, 2015. https://www.glassdoor.com/blog/long-interview-process/
84 Rittenberg, Larry and Frank Martens. “Committee of Sponsoring Organizations of the Treadway Commission (COSO)”. Enterprise Risk Management, Understanding and Communicating Risk Appetite. January 2012. https://www.coso.org/Documents/ERM-Understanding-and-Communicating-Risk-Appetite.pdf
85 Rebecca Martin. “Protecting Assets from Cyber Threats.” News Tribune. November 7, 2016. https://www.newstribune.com/news/business/story/2016/nov/08/protecting-assets-cyber-threats/647637/
86 Thompson, L. L. (2008). Making the Team: A Guide for Managers. Upper Saddle River, NJ: Pearson Education.
87 Thompson, L. L. (2008). Making the Team: A Guide for Managers. Upper Saddle River, NJ: Pearson Education, pp. 4-5. See also Alderfer, C.P. (1977). Group and Intergroup Relations. In J. R. Hackman & J. L. Suttle (Eds.), Improving Life at Work (pp. 277–96). Palisades, CA: Goodyear.
88 Fisher, K. (1999). Leading Self-Directed Work Teams: A Guide to Developing New Team Leadership Skills (rev. ed). New York: McGraw-Hill Professional. See also Greenberg, J., & Baron R. A. (2008). Behaviour in Organizations (9th ed.). Upper Saddle River, NJ: Pearson Education.
89 Greenberg, J., & Baron R. A. (2008). Behaviour in Organizations (9th ed). Upper Saddle River, NJ: Pearson Education. See also Thompson, L. L. (2008). Making the Team: A Guide for Managers. Upper Saddle River, NJ: Pearson Education.
90 Thompson, L. L. (2008). Making the Team: A Guide for Managers. Upper Saddle River, NJ: Pearson Education.
91 Thompson, L. L. (2008). Making the Team: A Guide for Managers. Upper Saddle River, NJ: Pearson Education.
92 Fishman, C. (2008). Whole Foods Is All Teams. Retrieved from: http://www.fastcompany.com/26671/whole-foods-all-teams
93 Human Resources Development Council. (n.d). Organizational Learning Strategies: Cross-Functional Teams. Retrieved from: http://www.humtech.com/ForestService/sites/GRTL/ols/ols3.htm
94 Robbins, S. P., & Timothy A. J. (2009). Organizational Behaviour (13th ed.). Upper Saddle River, NJ: Pearson Education.
95 George, J. M., & Jones G. R. (2008). Understanding and Managing Organizational Behaviour (5th ed.). Upper Saddle River, NJ: Pearson Education.
96 Adept Scientific. (2009). Lockheed Martin Chooses Mathcad as a Standard Design Package for F-35 Joint Strike Fighter Project. Retrieved from: http://www.adeptscience.co.uk/media-room/press_room/lockheed-martin-chooses-mathcad-as-a-standard-design-package-for-f-35-joint-strike-fighter-project.html
97 Whetten, D. A., & Cameron K. S. (2007). Developing Management Skills (7th ed.). Upper Saddle River, NJ: Pearson Education.
98 Schwartz, J., & Wald M. L. Wald. (2003, March 9). The Nation: NASA’s Curse? ‘Groupthink’ Is 30 Years Old, And Still Going Strong. The New York Times. Retrieved from: http://www.nytimes.com/2003/03/09/weekinreview/the-nation-nasa-s-curse-groupthink-is-30-years-old-and-still-going-strong.html
99 Greenberg, J., & Baron R. A. (2008). Behaviour in Organizations (9th ed.). Upper Saddle River, NJ: Pearson Education.
100 Thompson, L. L. (2008). Making the Team: A Guide for Managers. Upper Saddle River, NJ: Pearson Education.
101 Whetten, D. A, & Cameron K. S. (2007). Developing Management Skills (7th ed.). Upper Saddle River, NJ: Pearson Education.
102 Flavin, B. (2018, March 7). The Importance of Teamwork Skills in Work and School. Rasmussen College, College Life Blog. Retrieved from: http://www.rasmussen.edu/student-life/blogs/college-life/importance-of-teamwork-skills-in-work-and-school/
103 Whetten, D. A., & Cameron K. S. (2007). Developing Management Skills (7th ed.). Upper Saddle River, NJ: Pearson Education.
104 Iacocca, L., & Novak. W. (2007). Iacocca. New York: Bantam.
105 The Hay Group. (1999). What Makes Great Leaders: Rethinking the Route to Effective Leadership, Findings from the Fortune Magazine/Hay Group 1999 Executive Survey of Leadership Effectiveness. Retrieved from: http://www.lrhartley.com/seminars//great-leaders.pdf
106 Robbins, S. P., & Judge, T. A. (2009). Organizational Behaviour (13th ed.). Upper Saddle River, NJ: Pearson Education.
107 Whetten, D. A., & Cameron K. S. (2007). Developing Management Skills (7th ed.). Upper Saddle River, NJ: Pearson Education.
108 Whetten, D. A., & Cameron K. S. (2007). Developing Management Skills (7th ed.). Upper Saddle River, NJ: Pearson Education.
109 Feenstra, K. (n.d.). Study Skills: Teamwork Skills for Group Projects. Retrieved from: http://powertochange.com/students/academics/groupproject/
110 Whetten, D. A., & Cameron, K. S. (2007). Developing Management Skills (7th ed.). Upper Saddle River, NJ: Pearson Education.
111 Feenstra, K. (n.d.). Study Skills: Teamwork Skills for Group Projects. Retrieved from: http://powertochange.com/students/academics/groupproject/
112 Schultz, H. & Yang, D., J. (1997). Pour Your Heart into It: How Starbucks Built a Company One Cup at a Time. New York, NY: Hyperion. p. 3–8.
113 Schultz, H. & Yang, D., J. (1997). Pour Your Heart into It: How Starbucks Built a Company One Cup at a Time. New York, NY: Hyperion. p. 138.
114 Schultz, H. & Yang, D., J. (1997). Pour Your Heart into It: How Starbucks Built a Company One Cup at a Time. New York, NY: Hyperion. p. 6-7.
115 Starbucks (2016). “Working at Starbucks.” Retrieved from: http://www.starbucks.com/careers/working-at-starbucks
116 Starbucks (2016). “Working at Starbucks.” Retrieved from: http://www.starbucks.com/careers/working-at-starbucks
117 Schultz, H. & Yang, D., J. (1997). Pour Your Heart into It: How Starbucks Built a Company One Cup at a Time. New York, NY: Hyperion. p. 125.
118 Starbucks (2016). “Working at Starbucks.” Retrieved from: http://www.starbucks.com/careers/working-at-starbucks
119 Fortune (2007). “100 Top MBA Employers.” Retrieved from: http://archive.fortune.com/magazines/fortune/mba100/2007/full_list/index.html
120 Cruise International (n.d.). “The Norwegian Dawn.” Retrieved from: http://www.cruise-international.com/cruise-search/ShpDetailsQuery?nShp=290&nLine=18&nOperator=Norwegian+Cruise+Line
121 Carolyn B. Thompson (n.d.). “In Focus: Target Your Recruitment Market,” Retrieved from: http://www.net-temps.com/recruiters/infocus/article.htm?op=view&id=662#axzz4BVFt5rJY
122 Lee, D. (2006). “Your First Task As A Recruiter: Recruit Senior Management Onto Your Team.” Retrieved from: https://web.archive.org/web/20130529204750/ http://www.humannatureatwork.com/Recruiting-Employees.htm
123 The information in this section comes from two sources: https://www.canada.ca/en/security-intelligence-service/corporate/csis-jobs/job-requirements.html and https://www.canada.ca/en/security-intelligence-service/corporate/csis-jobs/available-jobs/intelligence-officer.html
124 Price, A. (2004). Human Resource Management in a Business Context. Hampshire, U.K.: Cengage EMEA. Retrieved from: http://www.bestbooks.biz/learning/induction.html
125 Heathfield, S., M. (2015). “Top Ten Ways to Turn Off a New Employee.” Retrieved from: http://humanresources.about.com/library/weekly/aa022601a.htm
126 Jermyn, D., (2018). Diversity and inclusion give these firms a competitive advantage. Globe and Mail. Retrieved from: https://www.theglobeandmail.com/report-on-business/careers/top-employers/diversity-and-inclusion-give-these-firms-a-competitive-advantage/article38217315/
127 Golfarb, Z. (2007). “Where Technocrats Play With Toys of Tomorrow.” The Washington Post. Retrieved from: http://www.washingtonpost.com/wp-dyn/content/article/2007/12/23/AR2007122301574.html
128 Locascio, B. (2004). “Working at Starbucks: More Than Just Pouring Coffee.” Tea and Coffee Trade Online. Retrieved from: http://www.teaandcoffee.net/0104/coffee.htm
129 Schultz, H. & Yang, D., J. (1997). Pour Your Heart into It: How Starbucks Built a Company One Cup at a Time. New York, NY: Hyperion. p. 250-251.
130 Usalcas, J. & Kinack, M. (2017). History of the Canadian Labour Force Survey, 1945 to 2016. Statistics Canada. Retrieved from: https://www150.statcan.gc.ca/n1/en/pub/75-005-m/75-005-m2016001-eng.pdf?st=VUjdeAww
131 Employment by GenderGroup, 2017.
133 Great Place to Work Institute® (2018). “The Definition of A Great Workplace” Retrieved from: https://www.greatplacetowork.ca/en/about-us/trust-model
134 Rohman, J. (2015). “15 Practice Areas Critical to Achieving a Great Workplace.” Great Place to Work Institute® Retrieved from: http://www.greatplacetowork.com/events-and-insights/blogs-and-news/3040-15-practice-areas-critical-to-achieving-a-great-workplace
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136 Greenhaus, J., Collins, K., & Shaw, J. (2003). “The Relationship between Work-Family Balance and Quality of Life.” Journal of Vocational Behavior 63(3). p. 510–31.
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144 Collins, K., & Killough, L. (1989). “Managing Stress in Public Accounting.” Journal of Accountancy 167 (5), p. 92.
145 Withiam, G. (1993). “American Concierges Set Service Standards.” The Cornell Hotel and Restaurant Administration Quarterly 34 (4) p. 26.
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147 Cisco. “Benefits and Perks” (n.d.). Retrieved from: https://www.cisco.com/c/en/us/about/careers/we-are-cisco/benefits-and-perks.html#~stickynav=1
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150 Starbucks, Inc. (2016). About bean stock. Retrieved from: http://starbucksbeanstock.com/en-us/welcome-en-us/about-bean-stock-en-us/
151 Stewart, N. (2015). Benefits benchmarking 2015. Retrieved from: http://www.conferenceboard.ca/e-library/abstract.aspx?did=7364
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153 Starbucks (2016). Expect more than coffee. Retrieved from: http://www.starbucks.com/careers/working-at-starbucks
154 Heathfield, S. (2018). “Performance Appraisals Don’t Work: The Traditional Performance Appraisal Process.” About Money. Retrieved from: http://humanresources.about.com/od/performanceevals/a/perf_appraisal.htm
155 Nelson B., & Economy, P. (2003). Managing for Dummies, 2nd ed. New York, NY: Wiley. p. 140.
156 Archer North & Associates (2010). Reward Issues. Retrieved from: http://www.performance-appraisal.com/rewards.htm
157 Dell, Inc. (2011). 2011 Corporate Responsibility Report: Listening, Inspiring, Sharing: Tell Dell, p. 37. Retrieved from: http://i.dell.com/sites/content/corporate/corp-comm/en/Documents/dell-fy11-cr-report.pdf
158 Smith, G. P. (2017) “5 Tips to Attract, Keep and Motivate Your Employees.” Retrieved from: http://www.businessknowhow.com/manage/attractworkforce.htm
159 Lindzon, J. (2014) How employee engagement can boost the bottom line. Retrieved from: https://www.theglobeandmail.com/report-on-business/careers/career-advice/life-at-work/how-employee-engagement-can-boost-the-bottom-line/article21875491/
160 Safer, M. & Leung, R. (2003). “Working The Good Life: SAS Provides Employees With Generous Work Incentives. Retrieved from: http://www.cbsnews.com/news/working-the-good-life/
161 McGarvey, R. (2004). “A Tidal Wave of Turnover.” American Way. p. 32–36.
162 The Container Store (2013). “What We Stand For: Organization with Heart—My 20-Year Trip.” Retrieved from: http://standfor.containerstore.com/my-20-year-trip-2
163 The Container Store (2016). “What We Stand For: Organization with Heart—17 Years on FORTUNE’s “100 Best” List.” Retrieved from: http://standfor.containerstore.com/17-years-on-fortunes-100-best-list
164 Turner, F. (2002). “An effective employee suggestion program has a multiplier effect.” Retrieved from: http://www.refresher.com/Archives/!ftmultiplier.html
165 Daft, R. L., & and Marcic, D. (2006). Understanding Management, 6th Edition. Florence, KY: Cengage Learning. p. 219.
166 Smith, G. P. (2013) “Top Ten Reasons Why People Quit Their Jobs.” Retrieved from: http://www.businessknowhow.com/manage/whyquit.htm
167 Muhl, C. (2001). “The Employment-at-Will Doctrine: Three Major Exceptions.” Bureau of Labor Statistics Monthly Labor Review. Retrieved from: http://www.bls.gov/opub/mlr/2001/01/art1full.pdf
168 Alice Hopkins. “The Development of the Overseas Highway.” Tequesta: The Journal of the Historical Association of Southern Florida 46 (1986): 48–58. http://digitalcollections.fiu.edu/tequesta/files/1986/86_1.pdf
169 Chris Mooney. “The Race to Save Florida’s Devasted Coral Reef from Global Warming.” Washington Post. June 25, 2017. https://www.washingtonpost.com/classic-apps/the-race-to-save-floridas-devastated-coral-reefs-from-global-warming/2017/06/25/a1bd899a-3fa9-11e7-adba-394ee67a7582_story.html
170 Small Business Administration. http://www.sba.gov
171 Robb Wong. “New SBA FY17 Scorecard Shows Federal Agencies Award Record Breaking $105 Billion in Small Business Contracts.” US Small Business Administration. May 22, 2018. https://www.sba.gov/blogs/new-sba-fy17-scorecard-shows-federal-agencies-award-record-breaking-105-billion-small-business
172 America’s SBDC (Small Business Development Centers). n.d. https://americassbdc.org
173 US Small Business Administration. “Find Local Assistance.” n.d. https://www.sba.gov/sbdc
174 US Small Business Administration. “Office of Women’s Business Ownership.” n.d. https://www.sba.gov/offices/headquarters/wbo
175 US Small Business Administration. “Office of Veteran’s Business Development.” n.d. https://www.sba.gov/offices/headquarters/ovbd
176 Electronic Code of Federal Regulations. n.d. https://www.ecfr.gov/cgi-bin/ECFR?page=browse
177 US Small Business Administration. “Office of the HUBZone Program.” n.d. https://www.sba.gov/offices/headquarters/ohp
178 Small Business Administration (SBA). “Mission.” n.d. https://www.sba.gov/about-sba/what-we-do/authority
179 Charter of The Metropolitan Museum of Art, State of New York, Laws of 1870, Chapter 197, passed April 13, 1870, and amended L.1898, Ch. 34; L. 1908, Ch. 219. https://www.metmuseum.org/about-the-met
180 Calculated from the 2018 IRS Form 990 available on the Met’s website. https://www.metmuseum.org/-/media/files/about-the-met/990-forms/2017-irs-form-990-for-fy2018.pdf
181 National Institutes of Health. “Grant Basics.” February 21, 2017. https://grants.nih.gov/grants/grant_basics.htm
182 National Institutes of Health. “Annual Snapshot.” n.d. https://nexus.od.nih.gov/all/2019/03/13/nih-annual-snapshot-fy-2018-by-the-numbers/
183 TOMS. “One for One.” n.d. https://www.toms.com/improving-lives
184 TOMS. “Blake Mycoskie.” n.d. http://www.toms.com/blakes-bio
185 Francesco Schiavone. “Incompetence and Managerial Problems Delaying Reward Delivery in Crowdfunding.” Journal of Innovation and Economics Management. February 2017. https://www.cairn.info/revue-journal-of-innovation-economics-2017-2-page-185.htm
186 Securities and Exchange Commission. “Crowdfunding.” n.d. https://www.sec.gov/rules/final/2015/33-9974.pdf
187 New York Public Library. “New York Startup! 2019 Business Plan Competition.” n.d. https://www.nypl.org/help/services/startup
188 Mitchell Harper. “How I Got $248,000 in Pre-Orders before I Even Had a Product.” Medium. November 25, 2015. https://blog.markgrowth.com/how-i-got-248-000-in-pre-orders-before-i-even-had-a-product-b4080a3eb8ae
189 National Public Radio. “Real Estate Mogul: Barbara Corcoran.” How I Built This. May 14, 2018. https://www.npr.org/templates/transcript/transcript.php?storyId=610491305
190 Brewers Association. “Brewers Association Unveils 2018 Rankings of Top US Brewing Companies.” 2019. https://www.brewbound.com/news/brewers-association-unveils-2018-rankings-of-top-us-brewing-companies
191 USA Today (2005). “Financial Diet” Retrieved from: http://usatoday30.usatoday.com/money/perfi/basics/financial-diet-digest-2005.htm
192 Gallager T. J., & and Andrews, J. D. Jr., (2003). Financial Management: Principles and Practice, 3rd ed. Upper Saddle River, NJ: Prentice Hall. p. 34, 196.
193 The 10% rate is not realistic in today’s economic market and is used for illustrative purposes only.
194 Again, this interest rate is unrealistic in today’s market and is used for illustrative purposes only.
195 Keown, A. J. (2007). Personal Finance: Turning Money into Wealth, 4th ed. Upper Saddle River, NJ: Pearson Education. p. 23.
196 AllFinancialMatters (2006). “An Interview with Jonathan Clements – Part 2.”
197 Gallager T. J., & and Andrews, J. D. Jr., (2003). Financial Management: Principles and Practice, 3rd ed. Upper Saddle River, NJ: Prentice Hall. p. 34, 196.
198 Statistics Canada (2015). Retrieved from https://www12.statcan.gc.ca/census-recensement/2016/as-sa/98-200-x/2016024/98-200-x2016024-eng.cfm
199 Hansen, K. (2016). “What Good is a College Education Anyway? The Value of a College Education.” Retrieved from: https://www.livecareer.com/quintessential/college-education-value
200 Hansen, K. (2016). “What Good is a College Education Anyway? The Value of a College Education.” Retrieved from: https://www.livecareer.com/quintessential/college-education-value
201 Hansen, K. (2016). “What Good is a College Education Anyway? The Value of a College Education.” Retrieved from: https://www.livecareer.com/quintessential/college-education-value
202 USA Today (2005). “Exercise 1: Start small, watch progress grow.” Retrieved from: http://usatoday30.usatoday.com/money/perfi/basics/2005-04-14-financial-diet-excercise1_x.htm
203 Fetterman, M. (2005). “You’ll be amazed once you fix the leak in your wallet.” Retrieved from: http://usatoday30.usatoday.com/money/perfi/basics/2005-04-14-financial-diet-little-things_x.htm
204 Ramnarace, C. (2013). “Could you cut your spending in half?” Retrieved from: https://www.dailyworth.com/posts/2046-could-you-cut-your-spending-in-half/2
205 Arrington, M. (2008). “Ebay Survey Says Americans Buy Crap They Don’t Want.” Retrieved from: https://techcrunch.com/2008/08/21/ebay-survey-says-americans-buy-crap-they-dont-want/
206 Robertson, C. (2015). “Credit Score Range – Where Do You Fit In?” Retrieved from: http://www.thetruthaboutcreditcards.com/credit-score-range/.
207 Gerson, E. S., & Simon, J. M. (2016). “10 Ways Students Can Build Good Credit.” Retrieved from: http://www.creditcards.com/credit-card-news/help/10-ways-students-get-good-credit-6000.php
208 Apple Inc. (AAPL) (2018). Yahoo Finance. Retrieved from: https://finance.yahoo.com/q?s=aapl&fr=uh3_finance_web&uhb=uhb2,
209 GOOG (2018). Yahoo Finance. Retrieved from: http://finance.yahoo.com/q?s=XOM. Comparison date: April 30, 2018.
210 Forbes Magazine (2016). “The Richest Person in Every State: Warren Buffett.” Retrieved from: http://www.forbes.com/profile/warren-buffett/
211 Thompson, E. (Dec. 21, 2017). Aga Khan could face lobbying probe for Trudeau trip. Retrieved from http://www.cbc.ca/news/politics/trudeau-aga-khan-bahamas-lobbying-1.4459561
214 Time Magazine. (2009). Top 10 Crooked CEOs. Retrieved from: http://content.time.com/time/specials/packages/article/0,28804,1903155_1903156_1903160,00.html
215 Langan, F. (2008, December 15). The $50-billion BMIS Debacle: How a Ponzi Scheme Works. CBCNews. Retrieved from: http://www.cbc.ca/news/business/the-50-billion-bmis-debacle-how-a-ponzi-scheme-works-1.709409
216 Gostick, A., & Telford D. (2003). The Integrity Advantage. Salt Lake City: Gibbs Smith.
217 Gostick, A., & Telford D. (2003). The Integrity Advantage. Salt Lake City: Gibbs Smith.
218 Gostick, A., & Telford D. (2003). The Integrity Advantage. Salt Lake City: Gibbs Smith.
219 Carroll, A. B. (2016). Carroll’s pyramid of CSR: Taking another look. International Journal of Corporate Social Responsibility, 1(3). https://doi.org/10.1186/s40991-016-0004-6
220 Baron, D. P. (2003). Business and Its Environment (4th ed.). Upper Saddle River, NJ: Prentice Hall.
221 Gellerman, S. W. (1986, July). Why “Good” Managers Make Bad Ethical Choices. Harvard Business Review on Corporate Ethics. Retrieved from: https://hbr.org/1986/07/why-good-managers-make-bad-ethical-choices
222 Gellerman, S. W. (1986, July). Why “Good” Managers Make Bad Ethical Choices. Harvard Business Review on Corporate Ethics. Retrieved from: https://hbr.org/1986/07/why-good-managers-make-bad-ethical-choices
223 Target Brands Inc. (2012, October 30). $4 Million every week: A brief history of Target’s community giving. Target.com. Retrieved from: https://corporate.target.com/article/2012/10/4-million-every-week-a-brief-history-of-target-s-c
224 Barrett, B. (2003, November 2). A secret recipe for success: Paul Newman and A. E. Hotchner dish up management tips from Newman’s Own. Newsweek. Retrieved from: http://www.newsweek.com/secret-recipe-success-133673
225 Tim Hortons Foundation Camps. (2015). Camps. Retrieved from: https://www.timhortons.com/ca/en/childrens-foundation/camps.php.
226 Tim Hortons Corporate. (2018). Timbits Minor Sports Program. Retrieved from: https://www.timhortons.com/ca/en/corporate/timbits-minor-sports-program.php
227 Loblaw Companies Limited. (2017). Loblaw’s President’s Choice Children’s Charity committed $150 million to childhood hunger and nutrition. Retrieved from: https://www.newswire.ca/news-releases
228 Axelrod, A. (2007). My First Book of Business Ethics. Philadelphia: Quirk Books.
229 Corporate Responsibility Magazine. (2016). 100 Best Corporate Citizens for 2016.
230 Axelrod, A. (2007). My First Book of Business Ethics. Philadelphia: Quirk Books.
231 U.S. Equal Employment Opportunity Commission. (2016). Facts about Sexual Harassment. Retrieved from: https://www.eeoc.gov/facts/fs-sex.html
232 Maxwell, J. C. (2003). There’s No Such Thing as “Business Ethics”: There’s Only One Rule for Making Decisions. New York: Warner Books.
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