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Real-Life Decision Making -- Solution

You refuse the offer and keep the recipe.

One of the great things about being a chocolatier is being able to work with chocolate and other ingredients to make new creations. It's like an art form. And the ability to change things on your own timetable appeals to you.

You also like building your business and knowing that your clients and customers can depend on you every time they need your chocolates -- much like the chocolatiers of the old world who owned their businesses for a lifetime.

Over the next couple years, your business grows more slowly than it would have if you had taken the offer. But your corporate clients stay with you and the number of your new customers continues to grow. You also have begun to develop new product lines that are taking off.

So when a second offer, for more than three times that of the original amount, comes from another company a few years later, you can take the offer knowing you're ready and your client list won't suffer. In the end, you've made a good decision, and your business is better for it.

"I've done a lot of research on my own," says Karyn Matson, a chocolatier. Matson has spent a lot of time deciding what moves she wants to make with her business. "And I've tried to maintain a steady, controlled growth. But every day is a new decision. And some of them are tough to make."


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OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.