Ian has decided to start a business installing voice over internet protocol (voip) software on computers that allows individuals to make phone calls via the internet. to get his business up and running, ian has decided to place an ad in the paper. he does not have any money, so he has to put the cost of the ad on his credit card. ian will spend more money than he will make in the first three months due to the fact that his voip business is in the stage of its life cycle.