Tipsy Candy Company

Scott MuirRyan MulvanyArturo NolascoPatrick O’BrianVictor OuvrardSteffany Overbo

Nick Sauter

Group 4

ContentsLogo................................................................................................................................................................................. 2

Letter to Uncle Cornbread........................................................................................................................................ 3

Company Description................................................................................................................................................ 4

Crowd Funding............................................................................................................................................................. 4

Industry and Market Analysis................................................................................................................................. 5

Marketing Strategy...................................................................................................................................................... 6

Rules and Regulations................................................................................................................................................7

Licensing...................................................................................................................................................................... 10

Memo............................................................................................................................................................................ 13

Resumes....................................................................................................................................................................... 16

Forms........................................................................................................................................................................... 23

Crowd Funding Surveys.......................................................................................................................................23

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Logo

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Letter to Uncle Cornbread

Tipsy Candy Company1664 N. Virginia StReno, NV, 89557

(775)784-1110 / tipsycandyco@tipsy.com

October 31, 2013

Dear Uncle Cornbread:

Subject: Business Plan & Use of Investment Money

As part of our effort to keep all of our committed investors informed of our progress as a business, I am writing to inform you of our completed business plan and how we plan to use the funds raised on the Circle Up website.

Tipsy Candy Company is a small, privately held company located in Reno, Nevada. Tipsy Candy produces, packages, and distributes alcoholic gummy candies for consumers to enjoy. Using our patented formula, we have resolved the issue of the alcohol absorbing into the candy. With our patent we have an advantage over our competitors who still face the issues of alcohol absorbing into their own candies. We currently offer 5 different flavors in 3 different quantity options. These flavors have been formulated to represent many of the popular alcoholic drinks consumed around the country today.

Tipsy Candy has determined 3 demographics our product will be marketed to. Our primary, and most profitable, demographic is the 21-28 year old age group. With much of this age group consisting of college students and young working adults, we believe that a fun and convenient product such as ours will be a hit at any social gathering. We realize we face competition in the market from the traditional alcohol producers, but with our patented formula and a unique take on how alcohol can be consumed, we believe we will see great success and begin to dominate the industry.

Using the Circle Up website, we have set a goal of raising $2,000,000, but will be able to open up for business with just $1,500,000. The largest majority of these funds will be spent on fixed costs such as land/warehouse, production equipment, and licensing/application costs. The remaining funds, which we estimate to be about $250,000, will be spent on variable costs such as alcohol, candy ingredients, utilities, wages, and packaging/shipping costs. We look forward to a long and prosperous relationship with you. Please contact us if you have any questions.

Sincerely,

Patrick O'BrienCo-Founder, Tipsy Candy Co.

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Company DescriptionTipsy Candy Company produces, packages, and distributes alcoholic gummy candies.

Our patented formula allows us to produce a gummy candy that is not absorbent. After years of

creating alcohol soaked gummy bears, seven college students got tired of the sticky residue that

was left on hands, counters, and clothes from the dripping candy. Our secret recipe keeps the

alcohol inside the candy creating a more stable and efficient product. The stability allows Tipsy

Candy Company to package and distribute the alcoholic candy. By ensuring that the alcohol

does not leak from each candy, the amount of alcohol inside can be measured and maintained at

one ounce per candy.

The gummies are produced in various shapes and flavors. Tipsy Candy Company

currently has five popular alcoholic combinations. The “Candy-Driver” consists of orange juice

flavored gummy shaped like a screwdriver. The candy is filled with vodka to replicate the

famous alcoholic beverage known as the “screwdriver”. The “Buzzed-Cola” consists of cola

flavored gummy shaped like a bottle. The candy is filled with whiskey to imitate a whiskey and

cola beverage. The “Boozy-Berry” consists of cranberry flavored gummy shaped like berries.

The candy is filled with vodka to reproduce a vodka and cranberry mixed drink. The “Lively-

Lime” consists of lime flavored gummy shaped like a lime. The candy is filled with tequila to

provide a more enjoyable way to take tequila shots. The “Pack-a-Punch” consists of fruit punch

flavored gummy shaped like boxing gloves. The candy is filled with gin to replicate a gin and

juice mixture.

The candy is packaged in different sizes and mixtures. There are packages containing

two, eight, and twelve candies. Each flavor can be purchased on its own or in a variety pack.

The packages with eight and twelve candies have the variety option.

Crowd FundingTipsy Candy Company’s goal for fund raising is $2,000,000 raised through the crowd-

source website Circleup.com. If reached, this goal will allow for moderate initial production due

to extra money that could be used on variable costs. The extra funds will also provide a buffer in

funds should unforeseen problems occur upon start up. Based on our observations of other

entrepreneurs raised funds that are currently posted on the website, we determined that the goal

of $2,000,000 may be slightly high, however, is possible to obtain. We have determined that we

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would be able to fund the company if we at least raise $1,500,000 in funds through the website

Circleup.com.

Fixed costs will require the largest portion of Tipsy Candy Company’s initial funds. The

company will rely heavily on being able to manufacture and package the candies efficiently and

effectively. Manufacturing by nature has high fixed costs. The basic estimated amounts of these

costs are as follows:

Building/Warehouse is budgeted at about $500,000. This estimate is based on average

listings for a 15,000 to 20,000 square foot warehouse in Reno, NV. This amount would

provide a 50 to 60 percent down payment.

Equipment is budgeted at about $4,000. This is a very rough estimate of the cost for the

machinery and equipment needed to produce the candy and package it.

Variable costs will require the second largest portion of Tipsy Candy Company’s initial

funding. This cost is harder to estimate because it will be dependent on orders. If we assume a

moderate number of initial orders, then the estimated variable costs are as follows:

Inventory is budgeted initially at $150,000. This will include alcohol, sugar, flavoring,

and packaging that will be needed to fill the initial orders.

Utility costs are budgeted at $100,000 initially. This budget includes the electric; gas and

water that will be needed to run the plant.

Labor is budgeted at $250,000. This is based on the average manufacturing employee

making $25,000 per year. We estimate that it will take about 10 employees to run the

plant.

Tipsy Candy Company also understands that part of the initial cost will include legal fees.

We have budgeted $100,000 for these legal fees. In this budget, we include all applicable fees to

file for patents, licenses, etc. This amount also includes lawyer costs to file and ensure that the

proper measures are taken.

Industry and Market AnalysisTipsy Candy Company is estimated to have a relatively low market share. Our company

would be competing in the Food and Services Sales market for customers, as well as the

Beverage market. The firm’s potential total sales are in between the ranges of 0.5 to 1 million

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U.S. dollars. The potential sales can be forecasted using the United States Census Bureau when

comparing the average total sales of firms and total market share.

Tipsy Candy Co. will compete against monsters in the market. Its biggest competitors

range from casinos to franchisers, local bars, and even restaurants: all of which serve alcohol.

Even though it might seem that the market is already saturated, Tipsy Candy Co. can be located

close to midtown or a liquor manufacturer in order to reduce costs and keep sales high.

Innovative and enjoyable small businesses are well accepted by customers, according to an

article from The New York Times, after the Midtown Art Walk event, which can give this

company the attention it needs to saturate the market. Tipsy Candy can take a huge advantage of

this because our products are composed of various elements that bring happiness and innovation

to the public.

Our competitive advantage is product differentiation. From research, our competitors shy

away from the mixture of gummy candy and alcohol drinks because of its tendency to become

absorbent. The need for an innovative business like Tipsy Candy Company can bring our

company future growth in all financial areas, but most importantly, in the yearly return on

investment.

According to the U.S. Department of Commerce and the results of the Census of 2010,

there are almost 220 persons per square mile, many concentrated in the midst of the city. Our

customers will vary in age, but the majority of regular customers will be the ages between 21 and

45. Also, since the city has many events that attract a lot of customers to midtown and

downtown, our potential customers can be easily targeted, reducing our marketing costs.

Marketing StrategyTipsy Candy Company’s marketing strategy includes three main demographics. The first

and largest group that will be targeted is ages 21 to 28. Within this target group, there will be

college students and young working adults. It is clear that these are different markets, but the

advertising approaches will closely resemble one another. The second main target group will be

ages 29 to 45. The third target group will be ages 46 to 55. Each demographic will be

approached as a different market.

In the age group ranging from 21 to 28, the primary marketing focus will be based on the

premise of being social. Young adults are more likely to drink in a social setting. Tipsy Candy

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Company will use this trend to its advantage by demonstrating the gummies as a way to interact

and share with friends. The primary medium of marketing to this group will be social media.

With social media spreading quickly as a cheap and effective way to advertise in this networked

world, this will be a great way to get our product seen. It will also provide a connection to this

age group with the social aspect of the Tipsy Candy Company product.

For the age group consisting of 29 to 45 year olds, the marketing strategy will be more

focused on a fun way to drink your favorite alcohol combinations. The best users of the Tipsy

Candy Company product in this age group will be people who want to relive or continue the

“good old days”. The best way to do this will be to market the product as fun and cool. The

primary medium for this message will be advertisements in tabloid and sports magazines

depicting adults having fun and partying using the Tipsy Candy Company products.

Marketing to the 46 to 55 year old market will be focused on releasing stress. This group

will be the smallest focus of the Tipsy Candy Company product because it is more likely that

they have already determined their drinking habits and style. We will depict the product as a

stress reliever by having advertisements in informative magazines that consist of people enjoying

our product after a long day at work. Although a smaller percentage of advertising will be

focused on this group, this will be the most effective marketing strategy for this age group.

Rules and RegulationsHuman Resources and Labor Laws

There are many laws and regulations that go with the handling and selling of

alcoholic beverages. When it comes to human resources, the laws on hiring new employees is

much stricter than the hiring laws in other types of businesses that do not deal with the

packaging and distributing of alcoholic beverages, and these laws with also pertain to our

business, Tipsy Candy Company. National, as well as state and city, law in the United States

prohibits those less than 21 years of age to work with or sell alcoholic beverages to customers.

This is the biggest law, amongst many, that our company is going to have to make sure to abide

by when hiring new employees to work at Tipsy Candy Co.

Another procedure that our company would like to implement when hiring new

employees is mandatory alcohol awareness training. By doing so, employees will not only be

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more informed about alcohol and its effects, but also so that employees can recognize underage

customers and refuse to make any sales to them, as well as know the consequences of selling to

minors. This type of training will hopefully deter employees from breaking the law and the

company’s rules. According to the NRS (Nevada Revised Statutes), “Any person under 21 years

of age who purchases any alcoholic beverage or any such person who consumes any alcoholic

beverage in any saloon, resort, or premises where spirituous malt or fermented liquors or wines

are sold is guilty of a misdemeanor”. Not only can the customer get in trouble for purchasing

and/or consuming alcoholic beverages, but the employee and the company can be greatly

affected as well. The extra required training will help employees to understand the importance

of and take extra measures to only selling alcohol to those that are of legal age to purchase and

consume alcohol. Upon completion of alcohol awareness training, an employee will receive a

TAM card that will permit them to sell our gummy candies to customers. Our company will also

ensure that employees will complete a State certified Alcohol Beverage Awareness program and

hold a valid Alcohol Education Card. Because of the difficulty and the money involved in

obtaining the mentioned certifications, our interview process will be very precise as to make sure

that only serious applicants who are willing to complete these programs are hired.

Not only is it important for employees to have alcohol awareness training, but in the state

of Nevada, it is required in NRS 369.487 that, “Retailers must purchase only from wholesalers

and may not legally purchase for resale from other retailers or directly from suppliers. Sales must

be at the retail level to the general public only.” This is to ensure that companies do not purchase

alcohol from those that are not under regulation, or those who do not have the proper licensing to

be selling alcohol to retailers.

It is imperative that our company follows the laws at all three levels: national, state, and

city. Otherwise, we could be found liable for the mistakes of employees or our own mistakes.

The fines for not complying with the laws could range from fines to jail time, or could possibly

result in the company shutting down, which would not be something our group would want for

this company.

Taxes and Regulations

There are two important steps in creating a business in the state of Nevada. First, we

must register our company with the IRS, and then with the State Government. When registering

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with the IRS, we must nominate our business structure, which is a corporation. Our company

then needs to apply for an Employer Identification Number (EIN), which is used to identify our

business. Next, we would need to nominate a tax year using a fiscal calendar. A fiscal tax year

is 12 consecutive months ending on the last day of any month except December. A 52-53 week

tax year is a fiscal tax year that varies from 52 to 53 weeks but does not have to end on the last

day of a month. We then would need to have all employees fill out I-9 and W-4 forms.

After filing all the necessary paperwork with the IRS, our company would then need to

pay taxes. There are two different taxes we would need to pay: income tax and employee taxes.

All businesses, except partnerships, must file an annual income tax return. The federal income

tax is a pay-as-you-go tax, which means one must pay the tax as income is earned or received

during the year. The IRS calculates the required tax amount the company must pay. The second

tax we must file with the IRS is the employee tax. When a company has employees, the

employer has certain employment tax responsibilities that must be paid and forms must be filed. 

Employment taxes include the following: Social Security and Medicare taxes, Federal Income

Tax withholding, Federal Unemployment Tax.

The first step in opening our new business, with regards to taxes in the state of Nevada, is

to register, file, and pay the required taxes. This can be completed online on the Nevada State

Tax website (https://www.nevadatax.nv.gov). Once on the website, the new company must

register the company. This requires filling out the paperwork, entering the tax payer

information, entity location information, taxpayer location address, owner information, owner

verification, sales and use tax information, calculated security deposit, and paying the

registration fees. The initial registration fee is $15 and there is also a security deposit that is

required in the process and that is calculated by NRS 372.510 and NAC 372.825 which states,

“These laws require a person who obtains a permit to collect sales tax to deposit with the capital

deed department security in an amount equal to twice the estimated average tax due quarterly or

3 times the estimated average tax due monthly if he files monthly returns”.

Once the State of Nevada approves the application, it is necessary to enroll in Nevada

Tax. This can be done at (www.nevadatax.nv.gov). Once registered online, the website allows

the company to select tax return periods and report taxes online. This process allows taxes to be

paid online with a record of all the taxes kept.

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Insurance Regulations

There are different kinds of insurances we need in order to take care of in order to protect

our business and make it as successful as we can. The different insurances will protect us against

the risk of loss.

The first insurances we are going to take care of are common to a lot of businesses.

However, it is necessary for us to purchase them in order to be viable. The first type is called

“Business Interruption Insurance”. This type of insurance will reimburse our company for the

loss of income caused by fire or other perils. Another type of insurance our company should

purchase is called “Workers’ Compensation Insurance”. This insurance type pays compensation

to employees who are injured on the job at Tipsy Candy Company. It also protects our company

from employees suing for liability. The third basic insurance we are going to make sure the

company has is called “Product Liability Insurance”. With this insurance, our manufacturers and

our company is insured against liability caused by the sale of defective products, should it ever

occur. If an accident occurs with the consumption of our liquor gummy candy, we are more

protected and not liable. Lastly, we are also going to purchase Liquor Liability Insurance, which

is made for businesses manufacturing, selling, serving, or facilitating the use of alcohol. This is

a type of business insurance that protects us against the loss or damages caused by a patron of

our business becoming intoxicated, and injuring himself or other people.

LicensingLicensing for the Tipsy Candy Company is broken down into two main categories with

multiple governing agencies for each category. General business licensing is required at the

Federal, State, and local (County, City) level and must be obtained prior to the start of business.

Liquor packaging and distribution laws require special licensing for this type of business at the

Federal and County levels, the City only requires liquor licensing for retail or alcohol service

(bars and restaurants).

The licensing process to get the Tipsy Candy Company (TCC) officially off the ground

starts with a federal tax ID number (FEIN). Once an FEIN is obtained through an online or PDF

one page application, then other licensing can be pursued since legally TCC is now considered

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an independent entity, or person. Obtaining an FEIN is free and best done online to speed up the

process.

In most states, the office of the Secretary of the State (SOS) takes care of business

licensing for those in the state. In Nevada, the SOS offers online and printed (PDF) forms for the

business and through fee hikes for paper applications encourages the use of the online system.

To file for a State business license, TCC must also complete legal articles of incorporation which

are the central to setting up the ownership and management hierarchy of the business. Once the

articles of incorporation are in place, regular ownership meetings with minutes, annual state, and

annual local filings are necessary to maintain the validity of the corporation and its liability

protection for the owners. The filing fees for the State of Nevada will be nearly $1000.00 due to

the value of the initial shares in the business based on our crowd funding goals.

Washoe County, along with the Cities of Reno and Sparks, has instituted a joint

application form to make the local business licensing a little easier. However, the forms must

still be filed with one or all three of these entities depending on where the TCC plans to do

business. An unincorporated area of the county would be less expensive, but would add

logistical costs. Best practice would be to locate in either Reno or Sparks and to be next to an

established liquor distributor so that our shipping and distribution costs would be greatly reduced

and our licensing fees would be limited. For Washoe County, TCC would be considered an

importer/wholesaler of liquor and would need to file under the L-6 license type. This is a

simpler application and set of laws to comply with since it does not involve service to the public.

If TCC wishes in the future to implement a retail sales outlet or tasting facility, then they will

need new licensing as well as employee certification.

To establish a liquor license in the County and City, the owners of the business need to

have a background check through the Washoe County Sheriff’s Department to establish them as

upstanding citizens that are not a risk in a highly regulated business sector.

Finally, to establish TCC as an entity dealing in alcohol at the Federal level, an

application must be filed with the Alcohol and Tobacco Tax and Trade Bureau (TTB). This

application is an online system with no option available for a paper processed application or

form. The system has the same basic requirements as all other business licensing TCC has

needed to do including: Articles of Incorporation, FEIN, Proof of liability insurance, Proof of

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workman’s comp insurance, Proof of established tax status in the Federal and State employment

systems.

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Memo

TIPSY CANDY COMPANY

To: John Nolan, J.D.

From: Financial Consultants

Date: October 31, 2013

Subject: Crowd-Funding Interviews

We are writing to inform you of the results from the crowd-funding interviews performed

over the past few weeks. With seven consultants performing three interviews each, we were able

to obtain a sample of 21 interviews with a broad age group range for more accurate results. We

have broken this memorandum down into specific sections regarding backgrounds and

preferences of interviewees, where they prefer to invest their money, and specific thoughts or

concerns regarding the use of crowd-funding for business purposes.

There seemed to be two different age groups that we most often were interviewing, which

consisted of individuals under the age of thirty and individuals over the age of thirty. The

younger age group in our sample tended to have less education than their older counterpart as

well as working jobs that are most likely paying less. With that said, we came to the conclusion

that the younger age group was likely to have much less disposable income to put towards

investments of any kind. Having less disposable income to invest leads us to believe that these

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individuals were more risk adverse and whether or not it was due to income or not, less

charitable. While it was not true for all of the younger individuals, a number did indicate they

were not as supportive of small businesses. We would think this is due to the same risk aversion

shown by their investing habits because of the uncertainty that comes with buying from a small

business in terms of quality and service.

The age group that consisted of people mostly over the age of 30 showed quite different

attitudes towards investing and supporting of small/startup businesses. To start off, this age

group, on average, was more educated and most seemed to have careers as opposed to hourly

jobs or part time work. With that said, we believe this sample group likely had more disposable

income to put towards investments and charitable work, such as crowd funding. These

individuals were not as risk adverse and most had experience with investing before. We also

saw that they were much more likely to patronize small, local businesses, whereas the younger

groups tended to oppose this. Despite the differences between these two groups, there were a

number of similarities between them as well.

For most of the interviewees, it seemed that if one was risk adverse to the market, then

they were much more interested in starting a small business or operating an established franchise

restaurant compared to investing through the stock or bond markets. Likewise, if an individual

was less interested in operating their own business, then they were much more likely to invest in

the markets to meet their financial goals. Due to the current state of the government bond market

at this time, it was no surprise that a majority of interviewees expressed no interest in purchasing

government bonds. We believe this is mostly due to the returns that these instruments are

currently providing, which is close to nothing with inflation. Something that was not surprising

for either group was that almost everyone is highly motivated by compensation.

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Crowd-funding is quite a new tool for entrepreneurs to raise capital to help them achieve

their business goals and I believe that a majority of the individuals are simply not well informed

about how it works thus, not as interested. Out of 5 investment choices for individuals, it didn’t

rank last for all, but a good amount of interviewees were opposed to investing through crowd-

funding. Most people did believe that crowd-funding is good for society and the marketplace

because it allows motivated individuals to realize their business dreams, but we believe the risk

aversion that many people showed was very overpowering.

We believe that Tipsy Candy Co. will benefit in the short run from using crowd-funding

as a source of capital, but for long term borrowing needs, our business will be better off securing

funding through venture capitalist or commercial banks. This will be especially true if Tipsy

Candy Company plans on expanding greatly in the future and realizes success in the

marketplace. Large amounts of capital are much more difficult to obtain through crowd-funding

as opposed to venture capitalist or banks, and the wait time that can come with the use of crowd-

funding could be much longer while Tipsy Candy Company waits for investors to join. While

using crowd-funding, we believe there are some things that the company should focus on to

obtain investors. The company should focus more on obtaining older investors as they are more

likely to have the disposable income to put towards a startup company as opposed to their

younger counterpart. Also, it may be beneficial to look to experienced investors for funding as

these people are more aware of the risk that comes from investing, as well as the expectations,

thus more likely to participate in something such as crowd-funding.

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Resumes

Ryan Mulvany

6060 Silver Lake RD, 17D Reno, NV 89506 Phone: 469-432-8349 E-Mail: rbmulvany@gmail.com

ObjectiveI am currently an athlete at University of Nevada, Reno. I play golf and plan to turn professional once I

graduate from UNR. I also wish to follow business in the finance industry as I have a distinct love for finance

and business.

Experience

Golf Course Attendant January 2010 – June 2010 Worked behind the counter dealing with money and receipts

Collected money and filled in weekly bank sheets

Organized large golfing events for over 100 people

Dealt with over 50 people on a daily basis

Technical Assistant for Electrical Company June 2012- - July 2012 Worked as an assistant to electricians on electrical projects

Logged hours on a JPEG

Dealt with typical electrical problems

Dealt in sorting and rerouting cables

Education

College August 2010 – August 2012Attended Tyler Junior College in 2010 for two years and completed an associates degree in General

Education. Than transferred to UNR and am currently completing a bachelor’s degree in Finance.

High School January 2006 – November 2009Successfully graduated high school from Hills International College in Australia in November 2009.

SkillsAn athlete at the collegiate level and was an academic All-American in 2012-2013. Developed leadership

skills in leading men’s golf team at Tyler Junior College and University of Nevada, Reno. A good understanding

of economic and financial theory. Work well dealing with people. Wide variety of skills.

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Summary- Motivated leader with fast learning skills to finish the job duties in a high pace work environment.

Education- August 2012-Present. Pursuing a BS in Business Administration with a major in International Business with Management Concentration at the University of Nevada, Reno. Expected Date of Graduation, May 2014.

Experience- Produce Clerk August 2013-Present Raley’s

Create displays in specific store locations to push impulsive buying. Organize the inventory on hand to reduce inventory costs and order

time. Help to create a friendly work environment without losing the

company’s theme.

Assistant Produce Manager August 2009-August 2013 Raley’s

Taught new entry clerks all the department functions. Scheduled a team of seven. Created techniques that never let the department have out of stocks

when the demand for promotional items were high.

Coursework- Public Speaking Taught to developed lifelong communication skills when presenting on an average of twice per week to classmates and a board of critics.

Effective Business Writing Presented a formal business presentation for a fictional company that make me be familiarized with professional business prototypes.

Qualifications/Rewards-

Collaborated with superiors to improve sales. Coordinated a great work, high pace, environment. Rewarded with the highest customer service award, individually and

collectively.

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Victor Ouvrard(775) 762-3894 1061 Whitaker Drive. Reno, NV 89503 victortennis92@gmail.com

Profile: Organized, student athlete and captain of the men’s tennis team, independent, mature, international student. Looking forward to play professional tennis. If it does not work out for me, I am looking forward to work into sports’ marketing.

Education: August 2010-present. Expected graduation date: December 2014. Majoring in Marketing at the University of Nevada, Reno (UNR). Graduated from high-school in June 2010 back in France.

Experience:

-Unfortunately, being in a high-school in France does not give you a lot of opportunities to have a part-time job. Moreover, I have always been very involved with tennis which took a major part of my time. However, being a top tennis player made me travel over different continents (Europe, Africa, North America) to play different international tournaments. I discovered many different culture which certainly built up my personality. It gave me experience and made me a more mature person.

-Captain of the tennis team for the past two years. It taught me to have responsibilities and be the person the others look up to. It taught me how to deal with any kind of team conflicts. I learned how to managed people to achieve the best results possible.

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Patrick O'Brien1855 Prince Way Phone: 916-768-3310Reno, NV 89503 E-mail: patrickob@icloud.com

EDUCATION January 2012- Present Pursuing a B.S. in Business Administration with a major in Finance and a B.S in Economics, University of Nevada, Reno. Expected date of graduation, May 2014. Cumulative GPA: 3.5

EXPERIENCE Teller Wells Fargo Bank, N.A March 2012-Oct 2013 Processed customer transactions quickly and accurately Analyzed customer profiles to properly recommend financial products and

services Assisted in training and advising new team members at the branch level

Driver Campelli’s Pizza June 2009-Dec 2012 Handled and accurately delivered customer orders in a busy, fast paced

environment Provided excellent customer service by communicating with all employees of

the restaurant

ORGINIZAIONS Omicron Delta Epsilon: International Honor Society in Economics.

COURSEWORK Financial Management: Topics covered included working capital management, capital budgeting, cost of capital, and capital structure theory. Other topics such as free cash flow and corporate valuation, hybrid financing, financial planning and real options are discussed.

International Finance: Topics covered included financing international business operations and investments, financial decision making in the multinational firm, international monetary system, and foreign exchange rates.

QUALIFICATIONS/INTEREST Ability to work well in a fast-paced environment 4 years customer service experience Excellent written and oral communication skills Enjoy playing soccer, snowboarding, hiking, and traveling

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Nicholas Sauter2845 Severn Drive Reno, NV 89503

Phone: 702-281-4998~E-mail: nicksauter@gmail.com

Profile Organized, focused, computer literate professional looking for a guided internship in finance.

Education August 2010-Present Pursuing a B.S. in Business Administration with majors in Economics and Finance, University of Nevada, Reno. Expected date of graduation, May 2014. GPA 3.568.

Experience Section 8 Intern September 2012-PresentHousing Authority of The City of Reno

Complete various projects as guided by supervisors to promote efficiency within the Section 8 Program.

Audit client files to ensure quality control throughout the Section 8 department.

Conduct interviews and analyze various income and asset information to calculate the appropriate rental assistance for each client.

Customize contracts to outline the obligations of landlords, tenants, and the housing authority within the Section 8 Program.

Office Assistant August 2008-August 2010Legacy Women’s Health

Converted patient charts to electronic medical records to provide organization and compliance with new regulation.

Distributed letters to patients to remind them of upcoming appointments.

Prepared bank deposits by properly documenting checks received by mail.

Courtesy Clerk March 2007-January 2009 Albertson’s

Qualifications Over 2 years of office experience Proficient with Microsoft Office Suite Can type with speed and efficiency Navigate a computer and internet effectively Developed understanding of economic and financial theory

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Scott MuirPO Box 9705 Reno, NV (406) 539 5218 bigskywine@yahoo.com

Small Business Information Systems IntegrationA results oriented University of Nevada, Reno student looking for consulting work assisting small businesses integrate technology to streamline their business. Owner a successful small business working in Event Management and Timing; a self-starter and excellent problem-solver looking for an opportunity to be a part of a successful team.

Education

University of Nevada – Reno, NV, B.S. in Information Systems Degree expected: 05/15 Truckee Meadows Community College – A.S. in Business 5/12

Skills & Tools

MS Excel, MS Word, MS PowerPoint, MS Publisher, Micros and Squirrel POS systems, custom event scoring software and hardware, Adobe Dreamweaver, Adobe Flash

Sub-netting LANs, wired networks, wireless networks, software with multilevel access to data and applications.

Work Experience

Owner of Big Sky Endurance Sports Timing (2005 to Present): Provide timing and event management services to over 50 events a year. Networking multiple computer systems to process athlete data, RFID timing data, score the event and display results in a variety of formats.

Location Manager , Smarte Carte, Reno, NV (2008 to Present): Manage all Reno operations and staff for the luggage cart company. Troubleshooting, repairs and installations of equipment in Nevada and California.

Server, Monte Vigne , Atlantis Casino, Reno, NV (2007 to 2008): Table Service in an upscale restaurant while attending school

Restaurant Manager , Ciao, Reno, NV (2006 to 2007): Manage all service end operations for 150 seat upscale restaurant, program the point of sale systems, establish computer network and security system, hire and train all staff in systems.

Assistant Restaurant Manager , Atlantis Casino, Reno, NV (2006): Managing two fine dining outlets in a large corporate environment

Dining Room Manager , Twin Farms, Barnard, VT (2005): Manage Dining Room operations and staff, wine pairings and overall guest experience for a small five star destination Resort

Dining Room Manager , The Big EZ Lodge, Big Sky, MT (1999 to 2005): Manage dining service staff, wine list, bar and special events for a small destination resort.

Professional Seminars & Certifications

Certified Food Protection Manager, Washoe County USA Triathlon 2006 Conference for race production, risk management and marketing. Management and staffing seminars put on by Gallatin Valley Human Resources Association and Montana

State University’s Bozeman Tech Center 2003-2004

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Steffany Overbo (702) 449-7100 SteffanyOverbo@gmail.com

Education University of Nevada Reno Reno, NVBachelor of Arts in Business Management In Progress(GPA 3.2)

Software Microsoft Office (Word, Excel, Publisher, PowerPoint, Access, Outlook)

Experience Senior Sales Associate March, 2010 – June 2013Capriotti’s Sandwich Shop Reno, NV

Responsible for fostering environment of outstanding customer service by managing the line from taking orders to maintaining timely preparation resulting in high levels of customer satisfaction.

Built time saving system for sandwich prep during instances of high customer volume.

Consistently met and exceeded manager’s expectations for increasing sales through upselling and local marketing efforts.

Used Point-of-Sales/Cash Register for transactions.

Small Business Institute Intern June 2009 – Aug, 2009The Business Liaison Las Vegas, NV

Created and managed database of contacts using Excel spreadsheet system. Planned and set up formal office meetings and took notes for attendees. Answered phones and ran errands for entire office. Maintained document filing system both physical and electronic. Set up an online video conference program for easier interaction between

employees

Assembler March 2006 – Aug 2010Hanes and Thomas Printers Las Vegas, NV

Collated, glued, and assembled documents for the office.

Nursery Caregiver Sept 2005 – June 2009Holy Spirit Lutheran Church Reno, NV

Worked with children ages five and under during Sunday church services

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Forms

Crowd Funding Surveys

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