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Baobab - newest kid on the novel foods block. By Stephen Daniells. 30-Jun-2008 - Last updated on i retrolisthesis, 19-Jul-2008 at 11:03 GMT. with baobab, as the baobab fruit pulp obtained novel foods approval. yesterday, FoodNavigator.com can report. Annotated Assignment Psychology. The news could see a rush in demand for thus novel fruit, which has been building since initial reports a couple of years. We do anticipate a rising level of demand for baobab, ? Dr Lucy Welford from PhytoTrade Africa, the southern Africa natural products trade association that represents companies wishing to i retrolisthesis export their dried baobab fruit, told this website. The maximum sustainable harvesting potential of baobab could be just under one billion dollars, according to a report? by Ben Bennett from the annotated bibliography assignment psychology UK's Natural Resources Institute (NRI) for the Regional Trade Facilitation Programme (RTFP). Baobab can be offered sustainably and in very large quantities, ? Bennett told FoodNavigator.com. [The novel foods approval] is wonderful news for i retrolisthesis the thousand or so potential products that could come out of Africa, ? he added. Paper Satisfaction. At the recent Vitafoods show in i retrolisthesis Geneva, Riaan van Breda, technical director for Afriplex, told FoodNavigator.com's sister site NutraIngredients.com that approval had arrived, but the final written confirmation was expected within two weeks. PhytoTrade Africa and South African company Afriplex have been working together to ensure the ingredient's acceptance within the European ingredients market. That approval has now come and PhytoTrade Africa are moving to promote the potential of baobab fruit pulp in specific food applications.

The key things that PhytoTrade wants to focus on essays on darwin, are the i retrolisthesis opportunities in psychology the beverage and healthy snack markets, ? said Welford. Baobab is the large green or brown fruit of the Adansonia di ?gitata, (or 'upside-down') tree, which grows primarily in i retrolisthesis South Africa, Botswana, Namibia, Mozambique and on darwin Zimbabwe. I Retrolisthesis. On pollination by essay in schools fruit bats, this tree produces large green or brownish fruits. Different parts of the fruit are a traditional food in these countries. I Retrolisthesis. It has a long history of traditional use in Africa, but has not been commonly consumed in the EU prior to May 1997, meaning that approval must be gained under novel foods legislation before it can be used in products for the European market. The wheels were set in paper satisfaction motion by PhytoTrade Africa, which submitted an application to the UK's Food Standards Agency in 2006.

Formulation characteristics ? According to the novel foods application, the anticipated intake of baobab pulp from products such as smoothies and cereal bars would be around five to 10 per cent. I Retrolisthesis. These levels were determined by preliminary work by challenging Leatherhead Food International to determine the potential applications of the pulp as an ingredient in food and beverages. I Retrolisthesis. LFI's work found that the missouri of science thesis optimum level for i retrolisthesis smoothie drinks was between six and eight per most challenging obstacles essay, cent by weight fruit pulp, while cereal bars prepared by a dry mix process showed that five to ten per i retrolisthesis, cent by weight of the baobab fruit pulp produced acceptable fruit bars with good flavour and a chewy texture. ? The Leatherhead Food results clearly demonstrate that these values are acceptable for the incorporation of baobab pulp at these levels, ? stated the novel food approval application. Further uses include a de-pectinated baobab fruit pulp and the use of the essay cameras be placed fruit pulp in other food products such as biscuits, confectionary, and other related food products. ? In time, we also want to devote some attention to i retrolisthesis research into baobab pulp's health giving properties, as well as developing new uses and applications, ? Welford told this website. Health profile ? The fruit pulp of the essay cameras be placed baobab is said to have an antioxidant activity about four times that of kiwi or apple pulp. The main nutrients include vitamin C, riboflavin, niacin, pectin and citric, malic and succinic acids, while the oil also contains the vitamins A, D and E. A study from Italian researchers last year reported that the baobab pulp had an Integral Antioxidant Capacity (IAC) 10 times that of orange pulp ( Food Chemistry ?, Vol. I Retrolisthesis. 102, pp 1352-1356). The pulp is also reported to be prebiotic and essays on darwin stimulate the intestinal microflora. If successful, the i retrolisthesis application will further underline the growing popularity of exotic ingredients derived from Africa. Copyright - Unless otherwise stated all contents of this web site are © 2017 - William Reed Business Media Ltd - All Rights Reserved - Full details for the use of materials on this site can be found in the Terms Conditions.

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Rabbi Yaakov Bender Slams Homework In Op-Ed To Mishpacha Magazine. The following article was written by i retrolisthesis, Rabbi Yaakov Bender, and appeared in this weeks Mishpacha Magazine. It was republished on YWN with their permission: The letter I received from satisfaction, out of town contained a plea for help and guidance from a frum father navigating a particularly onerous challenge in i retrolisthesis, chinuch habanim — and a relatively new one. My son spends close to eight hours in school.

When he arrives back at home we want to be able to kick back and assignment psychology relax together. We would also love to be able to spend the time with him and our other children pressure-free, playing a game, having a catch, reading or just stam schmoozing — which, by the way, all psychologists say is invaluable and the foundation of creating a warm relationship. Instead, after supper is over, a big dark cloud begins to descend over our home. A nightly point of contention begins to roil, creating a negative and toxic atmosphere in our home. It’s called homework. This father is i retrolisthesis hardly alone. Annotated Assignment? Countless other parents have expressed similar sentiments, lamenting the i retrolisthesis, fact that after a long day in school — particularly girls’ schools — our children are expected to spend hours on homework. Please do not misunderstand me. I am not against homework per se.

It is important for children to briefly review the material they have learned in bibliography, school and for their parents to keep abreast of their progress. I Retrolisthesis? Homework enables both. But the operative word must be: brief. And I believe that it is incumbent on on darwin, us as mechanchim and mechanchos to take a step back and ask ourselves: Is the homework load that we are placing on our students — and their parents — a component of i retrolisthesis effective chinuch? Or is it cruelty?

I do not enjoy writing harsh words, especially about our educators. Today’s rebbeim and annotated bibliography assignment teachers are the best of the best and truly care about each student. But how can we demand of i retrolisthesis parents that they spend, often after a full day’s work, whatever remaining waking hours they have together with their children helping them with their homework? Baruch Hashem, the paper, Torah community is blessed with large families. Let us picture the i retrolisthesis, scene in a home with six children:

Yanky, the toddler, needs to essay cameras in schools be put to i retrolisthesis bed. Heshy, the five-year-old, has an most essay earache and cannot find his favorite book. Chanale, eight years old, has homework tonight, in both limudei kodesh and secular studies. Shani, eleven, is studying for not one, but three tests. And Bracha, the teenager, has not had a moment of peace since she walked in the door, as her workload makes it seem as if school and home are seamless: one long day/night of studying and reviewing. Baruch Hashem, at least Meshulem is taken care of, away at yeshivah gedolah for i retrolisthesis, night seder, learning with his chavrusa. (Many of our families have more than six children. Kein yirbu. We’ll just use this hypothetical family as an example.) Mommy, who has taken care of term her children’s many and varied physical and emotional needs today and i retrolisthesis also invested several hours at her job, would like to sit down to supper with her husband (if he does come home at a normal hour tonight, before he rushes off to Maariv and university and technology thesis a shiur).

But she is i retrolisthesis now also expected to be a teacher. When did hours of nightly homework — much of it outside her intellectual and academic comfort zone — become part of a mother’s responsibility? Is she not overworked enough, running the household and helping her husband pay the bills? Can mothers and fathers be expected to start mastering volumes of essay should be placed unfamiliar material in order to save their children from i retrolisthesis, embarrassment and poor grades the next morning? Even an accomplished talmid chacham with broad knowledge in multiple miktzo’os haTorah can have a difficult time tackling the university of science and technology thesis, obscure subjects included in his children’s coursework.

So he sits down at night and immerses himself in a difficult topic — often effectively doing his children’s homework for them — all the while neglecting his wife, who is desperate for his help, and his shtender, which is beckoning for a few minutes of peaceful learning. And what about the children? When do they actually get to be children? Yes, they need structure, and yes, hefkeirus is never good for i retrolisthesis, kids, but don’t they need some time at night to unwind? Isn’t it critical for essays, their wellbeing that they be able to i retrolisthesis share their day with their parents, play with their siblings, perhaps get some fresh air, and prepare for term paper on customer satisfaction, bed peacefully? When, exactly, does school end? Eleven-year-old Shani has just fallen asleep, her pillow drenched with tears.

She has spent the last several frustrating hours studying nonstop, yet she still feels ill-prepared for her impending tests. Eight-year-old Chanale went to i retrolisthesis bed in on darwin, a miserable mood, having failed to secure an audience with either parent to i retrolisthesis vent her distress at being picked on that day by her classmates. Thankfully, five-year-old Heshy is sound asleep in his bed. Yanky the toddler is in his crib, dreaming and still clutching his favorite book. In between them is their exhausted mother, who, shortly after leading them in propaganda in nazi essay, Krias Shema, fell asleep right there. Meshulem, arriving home from an extended night seder, discovers his teenage sister asleep at the dining room table. I Retrolisthesis? Her books are her pillows tonight. Beside her is Tatty, still in missouri university of science, his chair, his head slumped forward in slumber, his precious sefer still open in his hands. How did we get to this point?

What, precisely, is the i retrolisthesis, elusive goal that some of our chadarim and Bais Yaakovs are chasing that compels them to saddle our children with a nightly burden that they cannot possibly bear alone, and term paper on customer satisfaction that their parents are begging for relief from? We all want our boys to become masmidim and our girls to be knowledgeable and conscientious students. But how do you explain the mindset of i retrolisthesis mechanchos who assign projects and on darwin homework on subjects far outside the ken of the average yeshivah-graduate parent, or who expect their high school students to spend ten hours studying for a Chumash test? What, exactly, justifies the hours upon hours of agony that our children and parents go through every school night? When are we as a society going to say, “Enough is enough! Dayeinu!”? The time has come for us to look in the mirror and ask ourselves: Is academic achievement now the only barometer of our sons’ and daughters’ success, to i retrolisthesis the point that we can allow homework to encroach on essays on darwin, the smooth functioning of otherwise peaceful and stable homes?

Are we so afraid that our daughters will breathe a bit at night before going to sleep that we must ensure that their every waking minute is filled with study, review, and i retrolisthesis test preparation? The time has come for each menahel and menaheles to impose strict limits on the amount of homework that each student is given, taking into account the average family size in that school, as well as the unique circumstances of individual students. The time of year must be a factor as well. (I once assumed that it goes without saying that homework is not assigned at hectic times such as the week before Pesach, or over bibliography Yom Tov, but apparently that is i retrolisthesis no longer the case.) Perhaps limudei kodesh and secular studies homework should be assigned on challenging, alternate nights of the week. I am not here to impose specific solutions; every school is i retrolisthesis different. Rather, I am pleading for a return to essay security be placed sanity — not only by our schools, but by their “customers,” the i retrolisthesis, parents, as well. Is it pressure from some parents to outdo competing schools that is forcing the hands of the hanhalah?

Is it the mirage of potential acceptance into elite seminaries that is blinding us to essay cameras be placed the quiet churban going on within our homes on i retrolisthesis, a nightly basis? Throughout the millennia the Yiddishe shtub has always been more than just a physical house or dwelling; it has been an ideal. That ideal, of a Jewish home suffused with love, yiras Shamayim, simchah, and tranquility, is what has enabled generations of parents to raise beautiful children who walk in their footsteps. It is that ideal that is under attack. It is time for us to reassess our priorities and take corrective action. May our parents, teachers, children, and all of Klal Yisrael merit a kesivah v’chasimah tovah. Rabbi Yaakov Bender is the rosh yeshivah of Yeshivah Darchei Torah in psychology, Far Rockaway, New York, and the author of i retrolisthesis Chinuch with Chessed (Mesorah Publications) ( YWN World Headquarters – NYC ) It it wasn’t rude, I would give this Rabbi a Hi-5! If nothing else, the accused should consider his “often effectively doing his children’s homework for them”. A very important article!

As a retired educator, I would add… testing should be abolished. I hated giving tests as much as my students hated taking them. The only thing a test proves is the paper satisfaction, ability to i retrolisthesis memorize. My preferred method of propaganda in nazi assessment was cumulative grades on classwork and homework, projects, and group work. I Retrolisthesis? The students preferred it and felt more confident because the annotated psychology, pressure was removed. Their grades improved! But the PARENTS wanted to i retrolisthesis see tests so I had to stop my method of teaching and give frequent tests (although I cut them down to a minimum.) Today, parents run the schools – especially those who pay full tuition – so they call the shots. Homework. It has its place – reading to annotated bibliography assignment prepare for i retrolisthesis, the next class doesn’t involve mom or dad. Correcting errors on work already graded.

A few practice math problems or using spelling words in a sentence: those are reinforcement tools. However, each teacher thinks HER work takes priority must be significant… because of the obstacles, forthcoming test! Get rid of testing, make homework a review or preparation, not an at-home test, and i retrolisthesis students will be more relaxed, happier, and more successful. Mine were, until the Hanhala nixed the concept as being too innovative. Years ago, when the adults in our family were exhausting ourselves with Pesach preparations, our Bais Yakov high school daughter was so burdened with homework that she could barely help at most challenging obstacles essay all. The Morah that assigned so much homework was apparently very insenstitive to the realities of so many of i retrolisthesis our homes, And there is in nazi germany a chinuch/midos price when students are forced by excessive homework to minimize their responsibilties to i retrolisthesis the family and focus almost exclusively on themselves.

Parents pay for their children’s education in two ways; ???? ???? ????. Essay Security Should In Schools? Today’s school system is i retrolisthesis brutal to all children bar the gifted. What is the middle child of a family and of mediocre intelligence supposed to do in essays on darwin, life other than school? School ought be school not cruel. They’ve forgotten about family life. Rabbi Bender’s article is a perfect display of compassion and understanding what all schools should all know. It seems that our schools and i retrolisthesis yeshivos are teaching disabled as well as abusive in far too many cases. Slightly misleading headline.

He slams “excessive” homework. In my opinion, it comes down to on darwin the curriculum established for each grade. There’s an i retrolisthesis expectation that students master a certain amount and level of skills each year. To reduce the pressure on the student (and the essay be placed in schools, tears), reduce the curriculum. The trade-off is additional school years to master the same skill set, say 9 years elementary school instead of 8 and 5 years of high-school instead of i retrolisthesis 4) with parents (and donors) absorbing the additional tuition costs. There’s no easy answer. Rabbi Bender’s op-ed is a breath of paper on customer satisfaction fresh air. I think there may some questions that can be added to those posed here. 1. Precisely what is the mission of the i retrolisthesis, schools? Is it about how much data can be downloaded and retrieved on the next test? 2. How are test scores used?

Do they get averaged for the report cards? Is this information useful? Does it just force students to compete in how good their memories are? If so, why are there grades for each subject matter if they all reflect the should, same skill? 3. I Retrolisthesis? If lessons are taught well, is heavy homework load necessary? 4. In what way does homework support the missouri of science thesis, missions of the i retrolisthesis, “ideal, of a Jewish home suffused with love, yiras Shamayim, simchah, and tranquility”? Or do the schools actually have a different mission? Tests? are a statement of Memory only. All report cards should be based on “effort”.

No student will ever feel dejected just because hashem didn’t give him a good memory. Everyone can excel in “effort” Thank you Rabbi Bender for such a beautiful article. Right on target. I hope the in life essay, schools will listen to you. not accurate; how many fathers or mothers spend more than 60minutes TOTAL on homework for whatever reason. i dont and my daughter did fine in school and no they are average not GIFTED , there may be isolated incidents of i retrolisthesis a new teacher .. most of the time its SELF inflicted stress by girls specificly that 80-85 is not ok – yes hs girls do have more homework.. because the alternative is worse …and with the hw they still manage to text and talk till the wee hours and term walk to school each morning with a 16oz coffee. HML, that doesn’t mean testing has to be abolished. I Retrolisthesis? It means it has to of science and technology be changed. Avraham: Listen to what?

He did not state what should be done nor did he state what is i retrolisthesis done in his school. You want people to listen? List some concrete suggestions i.e. 5 – 10 minutes of essay HW per i retrolisthesis grade (not per subject), no HW on Thursday nights so boys and girls can help prepare for Shabbos; no HW on Mishnmar nights for the boys. Maybe then other Menahalim / Menaholot will actually listen. yudel report cards should be based on effort really what kind of world do yo live in, the real world does not work that way thats why we have sch problems today entitlement etc. @meir G- As a parent of five KA”H as well as a full day (limudei kodesh and germany limudei chol) “chinuch professional”, I can confidently assure you that your daughter is the exception, not the norm.

As to your comment on i retrolisthesis, the girls self-inflicting the pressure, where does the term, pressure stem from? Does it not originate from the load at school, and the fear of missing out on being a “top student”? For if not, as you yourself mentioned, they would be quite happy shmoozing (direct quote) “till the i retrolisthesis, wee hours and walk to school each morning with a 16oz coffee”- the definition of being relaxed! And you don’t even touch upon the boys, many of essay security cameras should be placed in schools whom (at least where I teach) put tremendous pressure upon themselves to be top-tier students- eyes always focused on the next level, be it getting into Mesivta, the Bais Medrash of choice, or the top college in their desired field. Finally, since when do parents- many of whom are working full time, and see their children for i retrolisthesis, a scant few hours (if that much) at night- need to spend a full hour of their precious family time nightly (!) on homework?! Re hml’s comment: As a former student, I did not like testing, but it sure got me to work hard, pay attention and learn. As for pressure, well, life has pressure.

I hope the next time I need surgery, the surgeon had to pass a few tests. And all those prosecutors who put people on trial, I hope they had to pass a few tests before they get to throw around the essay security be placed, power of the state. And those folks in i retrolisthesis, blue outfits who carry guns – oh, yeah, they are called cops – I hope that had to term paper on customer satisfaction pass some tests before they got those guns and i retrolisthesis the authority to arrest people. Testing is paper on customer satisfaction what teaches people to be responsible and dedicated. Iacisrmma: It is possible that the reason why Rabbi Bender did not state exactly what should be done, maybe it depends on each school and i retrolisthesis each grade.

Every teacher knows or should know what is the essays on darwin, best for i retrolisthesis, his or her specific class. Rabbi Bender is giving general advice. One teacher may decide that his or her students need 20 minutes of homework. A different teacher may decide that 15 minutes h/w is fine. It depends on the community. the school and that specific class. One more reason why Rabbi Bender chose to stop short and not tell people exactly what to do, some people get offended when you tell them that from now on I want you to start doing a certain thing exactly the way I tell you. “Eleven-year-old Shani has just fallen asleep, her pillow drenched with tears.” This article is supposed to be an op-ed/editorial, not creative fiction.

Children only have so many years when their brains are like new sponges and can suck up lots of propaganda in nazi essay knowledge easily. As we all get older, our brains change and slow down and it gets harder and harder to absorb new things. We have to maximize this time and stuff in as much as possible as early as possible. Kids may complain now (I did, too, when I was a kid), but they will benefit later from practicing after class (homework) what they are taught in class. I would love if parents of his Yeshiva “Yeshivah Darchei Torah” would respond to this post with how things really are in i retrolisthesis, his Yeshiva.

Is this path really followed there or is “theory different than the most challenging obstacles essay, reality”. A big yasher koach to i retrolisthesis Rabbi Bender! At one time, my sons’ mesivta had a policy not to give homework in Limeudi Chol if there was a Limeudi Kodesh test the next day, and vica versa. Annotated Bibliography Assignment? But parents, thinking more homework meant better education (particularly in i retrolisthesis, Limeudi Chol) pretty much pushed the school to abandon that policy. Now the essay security cameras should be placed, boys come home anywhere between 6:30 – 9:30 PM and first have to crack the i retrolisthesis, books again. And forget about the Bais Yaakov’s where girls are meant to feel that if they don’t reach the pinnacle of academia they won’t get a shidduch. Allow kids to be kids, and make the work they do get worthwhile – like reading a book!

Our children are not robots and they need time to propaganda in nazi germany essay relax. Slams homework? Did I read the same letter to the editor as everyone else? He slams EXCESSIVE homework. YDT Parent here: My graduated son, and my middle school child have (had) a minimum of i retrolisthesis 1 hour per night Monday thru Thursday. (For half the essay security cameras should in schools, year they have secular studies on Friday as well.) The bulk of the homework is secular studies: a lot of math, spelling, vocabulary and a minimum of 25 minutes of reading. That is besides the Gemara sheets, reviewing the Gemara inside, the WEEKLY school – wide Parsha exams on Sundays, Halacha exams and i retrolisthesis periodic projects [(Limudei Kodesh and Chol) which is annotated assignment essentially HW for parents].

So, yes, there is i retrolisthesis a GREAT DEAL of assignment homework there. I am looking forward to speaking to i retrolisthesis my children’s Rabbeim and psychology teachers about this at orientation. Avraham: Yes it’s possible….However, he is looked to as one of THE Menahallim (much like the previous generation of R Menachem M. Mandel and Rabbi Elias Schwartz Zichronam Livrocha). As the one identifying the issue, he should be the i retrolisthesis, one to give some suggestions. When I went through Mesivta some 40 years ago, our Menahel told us that if we misbehaved in Limudei Chol and didn’t make an effort to learn the essay security cameras should, material we were “oiver” gezelah from our parents as part of their tuition money went for Limudei Chol. Even with that the i retrolisthesis, Limudei Chol principal had instituted specific rules as to homework and tests i.e. since Monday night was mishmar, any homework assigned on Monday was due on Wednesday and no major tests were given on Tuesday (a short quiz was allowed). We had 4 periods of Limudei Chol Monday – Thursday and I do not recall any more than 20 minutes of homework for each subject. you guys all gotta do what i do. in my house im the boss. Missouri? i decide how much and i retrolisthesis which homework my children do. if the teachers have any problems with that they have my number. i dare them to try and call me. no one ever did. Another aspect to security should be looked at is all the “optional” extra learning opportunities the boys are presented with. Depending on the age, this includes “optional” pre shachris seder, “optional” mishmar on non mandatory mishmar nights, “optional” seder on sundays. In Eretz Yisrael The boys Chadorim don’t have any homework.

Why would you delete my post? Was it false? No. Was it brutally honest? Yes. I guess every need outlet has an i retrolisthesis agenda, ywn is no different. MODERATORS NOTE: YWN will gladly publish your attack against Darchei Torah. Essays? Please sign your real name and we will gladly publish it – just like Rabbi Bender signed his name. Otherwise, you can post your attack elsewhere. It is i retrolisthesis not an attack, it’s called truth. Essay Security Cameras In Schools? You know who I am by looking at i retrolisthesis my profile, just because I choose not to publicly put my name out there does not mean I am not speaking the essay be placed in schools, truth.

Moderators Note: We make the editorial decisions here. I Retrolisthesis? Not you. Cameras Should Be Placed? And we decided it was an attack. A very not nice one to be honest. And we have no idea who you are. Put your name where your mouth is, and sign your comment, or take it someplace else.

Y must every headline read “slam” does anybody ever simply comment on an issue or is everybody always slamming something or other we have lost out i retrolisthesis abulity to university of science thesis think act or speak like menschen. Rabbi Bender is right on the money. I’m 34 yrs old and never did I have the homework burden that my kids do. Rabbi Bender isn’t suggesting anything revolutionary here. I Retrolisthesis? Simply going back to the way things used to annotated bibliography assignment be would be great. Do the parents who read his words feel any less accomplished because we weren’t kept busy a whole night with homework. I Retrolisthesis? This is just another example of how we as a community need to re-examine our priorities.

If it ain’t broke, don’t fix it. But always remember. ?? ???? ?????. I don’t believe that it is in the best interest of those in HS/Mesivta to most in life have have school past 6:00. Why not begin Limudei Chol at 1 or 1:30 and i retrolisthesis then have serious secular education classes until 6. And just give the appropriate amount of homework to support that learning experience. Maybe hold a once a week Mishmar on satisfaction, Thursday nights. This schedule of more balanced Limudei Kodesh and Chol will better prepare the guys for higher education as opposed to what goes on now–which is when guys in their late 20’s and i retrolisthesis early 30’s need to “make parnassa” and realize that they have not had a serious Secular Studies class on over 20 years! Anyone who has seen a Mesivta Beis Medrish for Night Seder knows that it is largely an exercise in organized Batala (and that’s for those who are in the Beis Medrish!). I believe that some of this is social engineering and trying to prematurely turn the term paper on customer, kids into i retrolisthesis Yeshiva Bochurim in their teenage years, to annotated assignment follow the holy grail of getting their kids into Brisk, Lakewood, etc.

Some Mechanchim will even claim that they want to keep kids from going home and surfing the i retrolisthesis, Internet, which is sort of insulting to parents who are paying their salaries if you think about it. But, if more serious attention were given to Limudei Chol, then when the kids go home at 6, they could have their family (dinner) time after which they could do homework and projects. With the right accountability, they won’t have too much time on their hands. My boys are in Darchei. My older son, in the high school, has almost no homework. On Darwin? He comes home late, and does not have any Hw that has to be done for i retrolisthesis, the next day. My younger sons, in the elementary school, spend no more than 20 minutes per night on term satisfaction, homework. That includes math and review of chumash or gemara.

My daughters spend most of the night on their homework.

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50 Inspiring Resume Designs: And What You Can Learn From Them. Your resume or CV may be one of the i retrolisthesis, most important projects you ever design. It can make or break job applications, open doors to new careers, make a great (or dismal) first impression. When you send out your resume, you’re really sending out a piece of yourself. So make sure it’s representing you to your best advantage. Just like how you dress your best for most challenging obstacles in life essay an interview, it’s important to i retrolisthesis, give your resume the same treatment — to propaganda in nazi essay, make sure it’s polished and presentable.

The 50 resume designs below span a wide range of styles, from i retrolisthesis strictly businesslike to ultra creative — browse through them to get some ideas for updating your own resume. Annotated Psychology! Designing your own is easy with our wide collection of beautiful resume templates. Click the image to see more resume templates. Starting off your resume strong with a bold header, like in this design by Shed Labs for Loft Resumes, draws attention to i retrolisthesis, your name and makes it more memorable. You can also include a few keywords or descriptors under your name that sum up who you are as a candidate. This chessboard-style layout is certainly striking, giving each category its own distinct space. But Mikha Makhoul’s resume is still somewhat subdued thanks to the simple black-and-white color scheme; it doesn’t sacrifice professionalism for essays on darwin visual interest.

Some well-placed shadows can make your resume pop, literally — giving it a 3D appearance and creating the illusion of i retrolisthesis depth. Errol Veloso explains how he chose the missouri university of science thesis, colors of his design purposefully: blue to symbolize his creative side and i retrolisthesis red to symbolize his analytic side. Missouri University And Technology! Try using shapes and frames for emphasis. You can experiment with geometric shapes (circles, squares, rectangles), ribbons, or solid or dashed lines. Here, Michael Long frames his name and his role to i retrolisthesis, help them stand out. A cohesive color scheme of missouri and technology thesis cool blues and minty hues gives this information-packed, infographic-style resume by Joseph Acena a visual theme and i retrolisthesis an orderly, coordinated look. Using a horizontal orientation (instead of the traditional vertical format) immediately gives your resume an most challenging obstacles in life edge in terms of attracting attention. Other strong points of this design by i retrolisthesis Justin Schueler include a balanced, un-crowded layout and plenty of negative space. There seems to be a trend, at least in industries where you can take some risks with your resume, to forget the stuffy business lingo and show that there’s a human behind the piece of paper.

Using a more conversational tone, as David Elgena has done with his “Hello, nice to meet you. Here’s a little about me” header at the top of bibliography this resume, may help you create rapport with the person who’s reviewing your application before you even meet them. This resume by i retrolisthesis Kyle Robertson features a custom crest with Kyle’s name and a catchy tagline. Creating a distinctive personal brand or style for yourself (such as a personal logo, a color scheme, a nice selection of security be placed fonts, etc.) gives your work an i retrolisthesis extra sheen of professionalism (and an opportunity to show off your abilities). Plus, once you put the work in, this “brand” is something you can use over missouri of science and technology thesis and over i retrolisthesis again — on letterhead, business cards, social media profiles, you name it. For a unique take on traditional resume colors, try light text on a dark background, as Abdullah Al Mamun has done here. Essays On Darwin! Just make sure that your font is weighty enough to i retrolisthesis, be easily readable and psychology not get lost against the background. This clean resume by Patrick Rogan uses a bright splash of color and whittles down the information to i retrolisthesis, only the basics (skills and past positions). Icons in the skills section provide a visual reference that still complements the simplistic style. Printing your resume on term paper textured paper can give an i retrolisthesis impression of quality, craftsmanship, or luxury. If a color other than white seems inappropriate for missouri thesis your industry, try a white or cream-colored paper with a slight texture for an ultra-professional, upscale look.

This example by S.N. Carter, printed on i retrolisthesis a recycled or kraft-style paper, gives the resume a custom, hand-printed feel. When applying for a position where a more creative approach isn’t appropriate, it’s always a safe bet to opt for a simple, text-based resume with clean fonts. Here, Frank Schamhart has embellished his resume slightly with minimal use of an accent color and a small personal portrait. On Darwin! If you’re after a job in the arts or some other highly visual industry, make your resume a mini portfolio like illustrator Rianti Hidayat has done here. Bradley Brooks keeps his resume businesslike with a classic black-and-white color scheme, but livens things up with a modular layout and i retrolisthesis a personal logo. Infographic-style resumes have become popular, and they can be effective when done well. But they should be more than a collection of pretty pictures; the images should, at a glance, tell something about you and essays on darwin complement or enhance the text, like in this resume design by Rachel Winter.

If you’re seeking work in an industry where appearance is i retrolisthesis, important, or the job has asked you to include a portrait, try integrating it into your resume. Satisfaction! It doesn’t have to be the i retrolisthesis, center of attention, though — you can make it a bit more subtle by using a small picture or placing it behind a colored screen, like in Egotype’s resume template. Mailing out some resumes? Make opening yours up a memorable experience, like Amber Van Mieghem has done with this clever folding resume. Wishing you could infuse a little creativity into most challenging essay, your plain, corporate resume? Try a monogram with your initials, like Bill Mawhinney has done for i retrolisthesis this resume template. Most Challenging In Life Essay! It adds a little style while still keeping the i retrolisthesis, overall presentation very businesslike. You can use the same graphic on your cover letter to essays on darwin, give your application a polished, pulled-together look. If you have some creative leeway in creating your resume, using a non-rectangular shape will be sure to attract attention, like John Mujica’s round resume does here. If you do format your resume in any unusual shape, just make sure all the text is readable. You’ve only got one name.

Make it memorable. If it’s unique, highlight it. Make it big and bold, like Fredrik Andresen did on his resume. Give the hiring manager something to zero in on. Your font choices can change the whole character of your resume. For instance, the rounded fonts with soft edges that Louis Omari has used for his resume have a more casual, friendly feel than sharper, serif fonts might have. Need to show your qualifications on i retrolisthesis the run? Post your resume online and paper satisfaction make it mobile-friendly, like Julien Renvoye has done. You can include your resume on your personal website or even post it to networking platforms like LinkedIn. Use blocks of color and/or lines to i retrolisthesis, separate different sections of your resume, give it structure, and on darwin make it easy to navigate visually.

This template from i retrolisthesis Beautiful Resumes features vibrant colors, but you could just as easily get the term satisfaction, same effect with a more subtle color scheme. If you’re going the i retrolisthesis, infographic route, think of effective ways that you can use different types of graphs to represent your skills, experience, or background, like Martin Suster did here. Organizing your resume with columns, like this three-column layout Anton Yermolov used, keeps the information tidy, creates clear divisions between sections, and helps you keep everything sharply aligned. Essays! Use a sidebar in your resume to call attention to i retrolisthesis, extra (or extra important) information that you want to security be placed in schools, highlight. Here, Ola Hamdy used a colored sidebar to separate her personal and i retrolisthesis contact information from germany essay her educational and professional details. Although this resume design is text-heavy, Gershom Charig mixes things up with a two-color scheme and a word cloud to i retrolisthesis, creatively represent the breadth of his skills and experience. Similar in function to in life, the word cloud above, various sizes of circles represent Silviu Schiau’s proficiency in i retrolisthesis, various areas, such as management and design. The size of the security cameras should, circles corresponds with his amount of experience — a fresh way to illustrate core competencies.

Give the person looking at your resume an i retrolisthesis excuse to find out more about you. Missouri Of Science Thesis! Including a link to i retrolisthesis, your website or portfolio (or even a QR code, as Krysten Newby has done here) acts as a good prompt. If your job history includes working for big companies with recognizable logos, feature them on your resume. Tamas Leb has included space to do so on this resume template, and it makes an most in life impressive statement, even at a glance. For creative resumes, a theme can give you a starting point to build a one-of-a-kind design and think about innovative ways to i retrolisthesis, present your information. Missouri And Technology! Here, Peter Kisteman’s laboratory theme makes a strong visual statement and gives his artistic background a scientific, experimental dimension. Putting your resume in a folder or other kind of holder gives you more space to showcase your experience and accomplishments, plus the extra tactile feature makes it memorable, as with this design from S1M. The vertical timeline on the outside offers an immediate visual representation of the candidate’s career history. This traditional black, white, and gray design by Brice Seraphin brightens up quite nicely with some turquoise as an accent.

This can be done with any color (and you may want to i retrolisthesis, tone it down depending on your industry), but vibrant hues have particular impact. Essays! Besides being another nice example of using an i retrolisthesis accent color, this design by obstacles Adam Rozmus keeps things clean and simple, showing that resumes don’t have to i retrolisthesis, be fancy to make a good impression. If competition is stiff, try standing out with a resume package that gives you some space to demonstrate your abilities, develop a personal brand, and include more information than the limited area of a one-page resume allows for. Here, Sabrae Precure uses a distinct color scheme and custom illustrations to stand out from the crowd. This resume by Gabriel Valdivia combines a traditional format (the typical positions, dates, and short descriptions) with pictorial elements that provide a more personal touch.

As if to say that a normal paper resume just won’t cut it, Alison Root got clever with her resume presentation, which demonstrates that she thinks outside the box. This sample resume from Rahul Chakraborty features bold typography and essay bright colors for a high-impact look that will make people take notice. I Retrolisthesis! There may be times when it’s ok to let your sense of humor shine through in your resume; it makes you more relatable, more likable. For instance, check out the security cameras should in schools, pronunciation guide Nick Iannuccilli provided for his difficult last name. Using a border is a good way to add a little bit of color to your resume, as Evelien Callens has done here, without worrying about looking unprofessional. I Retrolisthesis! Stylistically, this design is a good compromise between customary and more creative resumes. Security Cameras In Schools! The two-color, mostly traditional layout uses graphic elements sparingly but purposefully. As a nice touch, Dan Hernandez has branded his cover letter with the same style, which is i retrolisthesis, a smart idea if your job application involves submitting multiple documents. Sometimes you have to do what you can to get noticed. For an psychology illustrator like Lucia Paul, hand-drawing her resume is both appropriate for i retrolisthesis her industry and gives her a standout way to display her skills. Big, bold typography, a high-contrast color scheme, and a well-organized presentation all combine to paper, make sure Joao Andrade’s resume gets looked at.

No long-winded explanations of job roles here. Just the i retrolisthesis, essentials — enough to get someone interested in wanting to know more about Gianina Santiago and her background. Clean, sans-serif fonts, relatively little text, and lots of white space give Maxat Malbekov’s resume a sleek look that’s easy to term, achieve if you condense your resume down to only the most relevant information. If you have a lot of information you need to i retrolisthesis, fit on one page, take a tip from this design by Halle Rasco and use easy-to-read fonts and clear headings for on darwin each section. Need to keep your resume fairly conservative? A two-column layout with a businesslike blue-gray accent color gives this otherwise traditional resume from ResumeBaker some extra interest. I Retrolisthesis! Syril Bobadilla’s illustrations are whimsical and kid-friendly, and her resume reflects that style. Missouri University Thesis! Notice how she also created matching business cards for a cohesive personal brand.

Even if your industry doesn’t allow as much creative expression as someone in the arts, you can express your personality in i retrolisthesis, more subtle ways, like through font choices or an accent color. Essay Security Should Be Placed! Resumes don’t always have to i retrolisthesis, read from left to right, top to bottom. You can play with the layout of your resume to propaganda, make the i retrolisthesis, best and most visually interesting use of the space you have available, like Milena Filipova has done here. You can use a grid structure to in nazi essay, organize your resume and make it easier to i retrolisthesis, navigate, similarly to in schools, how Orlando Silva designed this template. I Retrolisthesis! If applicable, you might also try including some pieces from your portfolio right on the resume (so your abilities are on display at first glance). Essays! As you can see from the examples above, there are many approaches you can take to designing your resume. But no matter what style or format you choose, there are a few things you want to make sure to i retrolisthesis, get right: Readable text Industry-appropriate style (if unsure, play it safe with a conservative design.) Updated and accurate information No spelling/grammar errors. Now it#8217;s your turn. Put these skills into action! Bring great design to your entire workplace. Janie is a freelance writer and bibliography graphic designer and the owner of Design Artistree Creative Studio.

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Create your free Business Plan now. Make an investment-worthy business plan easily with our free template. Select a Industry Fill in the Form. Complete your Business Plan. Print and Download For Free. Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Free Business Plan Template Download. Are you an entrepreneur looking to download a free business plan? If so, you have come to the right place.

Legal Templates is happy to provide you with a hassle-free document downloads. I Retrolisthesis? Click the buttons below to download (1) a blank document, and (2) a document that is filled in for you to reference. Related Business Documents: Click to View. What’s included in the blank template: In the first download, you will find documents with all of the essay, chapters, section titles, and section subtitles that you will need to successfully complete your plan. Our first plan contains the 8 chapters of a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of your company. I Retrolisthesis? This chapter is essentially your hook to convince potential financiers that your model is worthy of their investment. Chapter 2: Company and challenging in life, Financing: In this chapter, the goal is to outline the legal and operational structure of your company, financing requirements, the history behind the company, mission statement and the management team.

If you are forming a corporation, be sure to include your Articles of Incorporation here. I Retrolisthesis? Chapter 3: Products and Services: This section describes what products and/or services your business will sell (now and in annotated the future), and how you will build, assemble and i retrolisthesis, deliver them. It also offers a comparison of your company and your direct and challenging in life essay, indirect competitors. Chapter 4: Customers and Market Analysis: The customers and market analysis page indicates your target customer segments, what needs you are filling for them , and the latest trends among these consumers in terms of growth and behavior. Chapter 5: Marketing and i retrolisthesis, Sales: The marketing and sales chapter allows you to describe how you will sell your product/service. Term On Customer? Particularly what are your company’s strategies for positioning, pricing, promotion and distribution. Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to i retrolisthesis set the key milestones that help establish a timeline of progress towards your goals. Paper? Additionally, it includes subsections like SWOT analysis, competitive edge, and i retrolisthesis, strategic alliances.

Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the final two chapters, entrepreneurs must define and calculate the financial variables that will go into the creation/expansion of your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and obstacles essay, more. If you are purchasing an i retrolisthesis existing company, you should also include the propaganda in nazi essay, business purchase agreement in your plan. What’s included in the template with sample text: In the second download, we give you a completed ice cream shop plan to reference. I Retrolisthesis? Each section gives an example of most challenging obstacles in life what you should write. I Retrolisthesis? Our guide also includes example graphs and charts, so that you are aware of the types of financial calculations, plans, and forecasts that a plan should offer to missouri university of science and technology attract investment. For guidance on what you should include in your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and get started. However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to your company’s success. A solid plan is necessary to help found your company and i retrolisthesis, ensure that your goals remain on track over time.

Your plan can and annotated bibliography assignment psychology, will change as you encounter the i retrolisthesis, unpredictable variables that come with starting your own company. If you have an existing company, crafting a solid plan is equally important if you’re hoping to attract investment and expand your company beyond the limits you’ve already reached. Your business strategy should account for the next 3-5 years in advance, and cover every aspect of essays on darwin your industry, including the i retrolisthesis, critical relation between marketing and sales to your company’s finances. Your plan should include the challenging obstacles, following sections before you submit it to i retrolisthesis investors. Click each accordion to read a how-to guide for each chapter: “How to Write a Business Plan” Table of essays on darwin Contents: How to Write the Executive Summary. The executive summary contains all of the i retrolisthesis, essential information about what makes your business strong and worthy of on customer investment . It covers the major highlights of the i retrolisthesis, rest of your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to take it, and of science and technology thesis, why your business idea will be successful. If you are seeking financing, the executive summary is your first opportunity to i retrolisthesis grab a potential investor’s interest.

The executive summary will be the germany essay, first chapter of your business plan, though it’s actually the last section that you should write . First, you’ll need to do heavy research to ensure that your plan is sound before you can write the executive summary. This section will be different depending on if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and convincing to capture the attention of investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to i retrolisthesis mitigate these factors. First, you’ll need to briefly explain who you are, the background of your management team, and your reasoning behind starting a business in your chosen niche. Secondly, you’ll need to demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is cheap – do you have the data and analysis to back up your claims?

Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. Germany? We suggest the following basic template – feel free to add or subtract sections according to your own needs: Summary Management Team Products and Services Customers Marketing and Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the plan (e.g.; to raise a specific amount of debt financing to expand a store location) as well an overview of the i retrolisthesis, company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in which you use to prove success of the venture). This statement should be concise and to the point. Summarize the members of the management team, including highlights of their expertise and experience . Describe how each member contributes to the success of the organization. Keep this section brief, as you will go into more detail in the Products and most challenging obstacles in life, Services section. Products and i retrolisthesis, Services. Describe the products and services you are providing and who the competitors are within the industry . Keep this section brief, as you will go into more detail in the Products and Services section.

Describe whom your customer groups are and paper, whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into i retrolisthesis more detail in the Market section. Describe briefly how you will market your product or service. Summarize the major points in the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the propaganda germany, most important points from the Financial Plan section here. This should include your sales forecasts and projected expenses as well as the i retrolisthesis, logic behind the bibliography psychology, projections. If you are a new company, describe when you expect to turn a profit . If you are an existing company, highlight past financial performance. 7. Financing Requirements (Optional) Summarize the i retrolisthesis, amount of security cameras should be placed equity and/or debt financing that you are seeking, when you need it, the i retrolisthesis, use of the funds, and when you expect to reach your next milestone event and/or start paying back the loan.

Keep this at germany essay an overview level , as you will go into more detail later on in other chapters. Note: This is i retrolisthesis a complex question that you cannot answer until you complete your plan, so it is missouri of science thesis highly recommended you work your way through the i retrolisthesis, entire writing process first . In particular, complete the paper satisfaction, financial planning process before attacking this section. Only then will you be able to identify the amount of money you will need to raise. With these sections fleshed out, you’ve finished your executive summary. How to i retrolisthesis Write the Company and Financing Chapter. The company and bibliography psychology, finance section of your plan is important, because introducing the i retrolisthesis, management team is critical for both start-ups and established companies alike. Investors will use this information to gauge the future likelihood of success. Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional)

There are many variations and essay security cameras in schools, approaches on how to lay out the various components of a business plan. Our approach for i retrolisthesis the company overview section is to provide the reader with the company’s legal information, address and a brief description of the company’s history. Since there are follow up sections in this chapter that over go the company’s location and university of science and technology, history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is i retrolisthesis best determined by a credible Attorney. The primer below is meant only to explain the paper, broad differences between the i retrolisthesis, most common company types. A sole proprietorship, according to the IRS: “A sole proprietor is essays someone who owns an i retrolisthesis unincorporated business by him or herself.” While the germany, most simple to i retrolisthesis set up and the most common, there is essay cameras should a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and they sue you because they found a hair in it, and you lose in i retrolisthesis court, the creditors can legally go after your personal possessions – such as the roof over your head.

A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the company.” A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and essays on darwin, not needing to file dissolution documents if dissolving the partnership. However, similar to sole proprietorships, partners in a partnership have unlimited liability for the company’s debts and i retrolisthesis, liabilities. Limited Liability Partnerships (LLPs)

LLPs are different from challenging essay traditional partnerships in that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and i retrolisthesis, (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times “silent partners” that wish to invest in the venture but limit their exposure to missouri of science liability. A corporation is a separate legal entity owned by shareholders. I Retrolisthesis? A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to annotated assignment a corporation is the problem of “double taxation” since the corporation’s profits is taxed at the corporate level, and then any dividends distributed to shareholders are then taxed again at the personal level. You can elect a special tax status with the IRS to have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity). Some of the drawbacks include not being able to i retrolisthesis have more than 100 shareholders , and university and technology, not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the member’s personal liability and only taxes profits at i retrolisthesis the individual level (acts as a pass-through entity). Describe the university and technology thesis, type of company you plan to open, along with the i retrolisthesis, registered name you plan to challenging use. Explain your rationale – for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on i retrolisthesis this legal structure. If you have a home office/no dedicated business address.

Include your current office setup and your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the Management Team section is especially critical. With the lack of essay security should in schools history, there is little investors can go by to gauge the future success of a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your team’s ability to execute on the stated goals. To accomplish this, you should highlight:

Background of i retrolisthesis each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Don’t include details about bibliography assignment psychology, members of the Management Team that are not relevant to the reader. Everything presented should reinforce why your team is the right team to execute on the company’s vision. If you have an i retrolisthesis established business the information you want to present is the same. Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company. As a company grows from in nazi germany essay start-up to established business, the management team must also change. They must be able to manage employees, institute standardized systems, and ensure the business’s ability to scale operations while keeping profitability stable. If you already have a Board of Directors and/or Advisory Board, list these individuals and a brief description. In a publically trading company the i retrolisthesis, Board of Directors is elected by the shareholders and is the highest authority in the management of the propaganda essay, company. I Retrolisthesis? For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience.

A Board of assignment psychology Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to play a role in your company . I Retrolisthesis? While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the member is committed to your company. Tips on on darwin building your Advisory Board: Choose a well-respected and well-known individual as the i retrolisthesis, first member of your Advisory Board. This will help you to recruit other members of the Board. Choose individuals that have strengths and relationships your business will need.

As your business evolves, so will the members of your Advisory Board. Feel free to shake up the line up over time. In this section you will tell the reader how much money you need to raise, what you are going to use it for, and how you got to the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the and technology, entire writing process and in particular, complete the i retrolisthesis, financial planning process. Term On Customer? Only then will you be able to identify the i retrolisthesis, amount of money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is university and technology thesis that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is i retrolisthesis already in existence and has trading history, then you may also secure a loan off of your receivables. In contrast, equity financing is essentially you exchanging a stake in your company for a specific sum of essays money from an investor . Therefore, the amount you are able to raise from investors comes down to how much they value your company.

There are three fundamental questions every savvy investor will ask you: Cool idea, how do you make money with it? How much money do you need, and why and when? What do you think your company is worth? If you are seeking financing (regardless of i retrolisthesis its equity or debt), that most likely means that your financial model shows your company taking a loss in essay cameras be placed in schools the initial stages, followed by break-even and subsequent profitability. The money you are seeking to raise will simply allow you to have enough cash to i retrolisthesis cover the term satisfaction, initial period where you will be taking a loss so that you can eventually make a profit. This is i retrolisthesis a simplification; you may be raising money to further grow your company, which may already be profitable. Propaganda In Nazi? Or you might use the financing to get your product to the next stage in i retrolisthesis its product development lifecycle (i.e.; milestone event). But the general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to bibliography grow revenue and/or profitability. Cool idea, how do you make money with it? / How much money do you need, and why and when? The financial statements provide the answer to the first two questions (which is why we recommend you complete your plan first).

To answer how much money you need, analyze the cash flow statement to determine the cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at what point in time. What do you think your company is worth? The third question is much harder to i retrolisthesis answer, especially for paper satisfaction a new company. At the end of the day it really comes down to what an investor thinks your company is worth (which is more art than science). I Retrolisthesis? However, there are three popular methods of valuing a company that can help you come up with a valuation to university of science and technology facilitate the i retrolisthesis, negotiation. Cost approach (asset based approach) The cost approach seeks to determine a company’s value by analyzing the market value of its assets. In other words, in in nazi this approach the company is worth the sum of all its assets if they were to i retrolisthesis be liquidated . This approach may be appropriate for annotated bibliography some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by the asset). However, for i retrolisthesis many companies the value of its branding and reputation, along with its ability to generate profits, will exceed the value of its assets.

The market approach seeks to determine a company’s value by analyzing recent sales of similar assets, with the theory that valuations of similar companies can serve as a good proxy. This is a common approach in essays the real estate industry. The income approach seeks to i retrolisthesis determine a company’s value by using its expected profit over time and then placing a value on that future stream of income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to university of science thesis account for risk. Now you have all the i retrolisthesis, pieces to complete the equation. You have the amount of money you need by looking at cumulative cash flow. You also have an idea of how much money your company will be worth. Equation to determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for propaganda germany essay cash. Instead, you should focus on the loan’s interest rate and i retrolisthesis, payment schedule. Make sure you will be turning a profit that is both large enough and soon enough to ensure there is no delinquency on servicing the loan.

For equity financing, answer the security should be placed, following: Investment amount needed When you need it How much time it will buy you / When you expect to turn a profit or get to the next milestone event % of i retrolisthesis equity offered and at what company valuation (you may wish to keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the university of science thesis, following: Loan amount needed When you need it When you will be able to pay back the loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the i retrolisthesis, funds. The level of detail should be at a high level ; if the challenging obstacles essay, investor or lender wants to see expenses in more detail that will be available in the Appendix within the Profit/Loss statement.

Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on your financial model you anticipate relatively small yet variable expenses month to month, a line of credit may be a good choice. With a line of credit you draw upon it when you require the i retrolisthesis, funds and pay interest immediately on the money as it is term on customer satisfaction borrowed. I Retrolisthesis? It works very similarly to a credit card in that you typically have a pre-set limit to how much you can borrow, the major exception that since you may be able to secure the line of credit with assets, you may be able to get better terms.

In the Quick Start Guide we briefly went over on darwin, the different strategies available and how thinking about your company’s eventual exit will help shape your business model. It’s recommended you review the i retrolisthesis, Quick Start guide and university of science thesis, practice that exercise. Depending on i retrolisthesis your company, there are various exit strategies available, including: Selling your business Passing it down through the family Taking the propaganda germany, company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section. Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on how you intend to sell the company or take it public. Demonstrating a large market opportunity.

If investors are going to take a big risk, they demand a big return. You need to demonstrate your business has the potential to i retrolisthesis either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals. For example, Apple’s mapping software is playing catch-up to Google Maps. If your company can help Apple improve its software, your company would become an attractive acquisition target. The mission statement reflects the core purpose and vision of the company. It’s a statement your employees and customers can get behind.

Some tips on writing a well-crafted mission statement: Keep it short. 1-2 sentences max. Don’t use “fluff” words. Make the statement mean something. A mission statement, if done well, should encapsulate both what the missouri and technology thesis, company does (what it sells) as well as the culture/vision/purpose. Examples of Fortune 500 firms that really get it right: A. I Retrolisthesis? BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: “To discover, develop and deliver innovative medicines that help patients prevail over serious diseases.” Why it’s great: The keywords “discover, develop and essay cameras in schools, deliver” demonstrate the company’s capability to in delivering an end-to-end solution.

By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of i retrolisthesis employees that what they are doing is propaganda germany essay (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: “ We will be the easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the company has managed to (1) describe what it sells (2) how it will win in the marketplace. It is a pharmacy retailer and it will solely focus on i retrolisthesis making itself easier for the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to annotated improved customer service within their stores). Example of poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to i retrolisthesis maximize long-term stockholder value, while adhering to the laws of the jurisdictions in which it operates and at annotated all times observing the highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for i retrolisthesis employees, suppliers, or partners.

Its objectives are obvious (what company does not want to maximize value) and essay security, borderline absurd (are there companies that do not want to adhere to i retrolisthesis local and federal laws)? Lastly, it does not mention what the company actually does. B. University And Technology? FORTUNE 500 VEHICLE PARTS SUPPLIER. Mission Statement: “ We are committed to attracting, developing, and keeping a diverse work force that reflects the nature of our global business.” Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the company’s mission statement is ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on how the company came to existence, work completed to date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in i retrolisthesis mind that there is challenging essay no set rule as to the level of detail you want to include. This is dictated by the relevancy of the information to the reader and how this information helps strengthen your plan’s ability to build credibility for your company.

Every company is i retrolisthesis made of milestones. Milestones for a business are achievements that demonstrate the business is on the right track. Term Paper On Customer? They are best when quantifiable and measureable. For example, achieving a working prototype of your product, or getting to break-even, are both huge milestones that showcase your ability to execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose.

Describe the lease terms you are able to i retrolisthesis secure, and if there are any laws that protect the lessee from unreasonable price increases. You can read a detailed article about what to look for in a lease agreement here. Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of annotated bibliography electricity and water. I Retrolisthesis? Describe how the facility provides the business with these resources. If the facility is pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of your business even if you are not in assignment retail or manufacturing. For example, you might want to open your software company in Silicon Valley as that provides a competitive advantage from an i retrolisthesis employee recruitment and bibliography psychology, fundraising perspective.

If you operate out of a home office. Describe your future expansion plans, including expected date of expansion. Upon completing these sections, you will then be finished with the company and i retrolisthesis, financing section of your business plan. Writing the Products and Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to term satisfaction help give investors a comprehensive understanding of the bread and i retrolisthesis, butter of your business. On Customer? Your products and services section should include the following sections. Products and Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional)

Your products and services are the lifeblood of i retrolisthesis your business – it’s what your customers need, and if you get this right, everything else will follow . Commonly referred to as “product lift”, which essentially means getting the secret sauce working. It means that customers want to buy your product/service, and you are filling a need that was previously not satisfied. Thinking in terms of benefits vs. features. What is the essays, consumer really buying? For example, a person buying a Rolex watch is not only buying a device to tell time, but the i retrolisthesis, prestige and status that comes with a luxury product. Think about what end benefit your product/service delivers. Of course, the propaganda germany essay, functional aspects of your product/service are also important. Depending on what you are going to sell, think through the i retrolisthesis, features it will provide, packaging, design, branding, quality, and other aspects that help position and/or differentiate it from competing products/services. You may have heard the business adage that acquiring a new customer is essay indefinitely more expensive then keeping an existing customer.

One of the i retrolisthesis, reasons this is true is the essay cameras in schools, potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about how you can drive incremental revenue. Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream. This is a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per i retrolisthesis customer. You will complete the price you want to set your products/services in the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to start thinking about how you want to price your products/services. Competitive analysis is an should extremely useful tool and one that should be revisited often as the competitive landscape changes over time.

It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and i retrolisthesis, budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on how to perform competitive analysis. The Internet makes this much easier then in days past. Some ideas: Google search using keywords that your customers would use to essays find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to i retrolisthesis find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn. Not only be placed do you have to worry about current competitors you can see, but you have to be vigilant and i retrolisthesis, be on the lookout for new entrants. For example, a company that already sells to security should your customer base may see your industry as a logical next step. You should consider the likelihood of i retrolisthesis new entrants high if:

The industry sees high margins (its super profitable) There is unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to start competing) There is security should future growth potential (such as mobile apps) Much of this is common sense – if you see a market opportunity that no one is competing in yet, don’t expect that you will be alone for i retrolisthesis long. Sourcing is university of science simply the process of i retrolisthesis procuring goods and services from suppliers that are required for your company to paper make its products or deliver its service. Some things to i retrolisthesis consider when choosing and managing your suppliers: Cost: This is an obvious one – the lower the price, the higher your profit margins will be.

Payment terms: The longer you have to pay your suppliers, the more working capital you have on hand. Reliability: You must consider how reliable your suppliers are and essays on darwin, what would happen to your ability to operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs? Fulfillment is i retrolisthesis simply the process of how your company delivers its products/services, from point of sale to delivery. There are several popular fulfillment options:

Engineer to order: the product is designed and propaganda in nazi germany, built to i retrolisthesis customer specifications (e.g.; large construction projects) Build to most order: the product’s design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to order: the product is assembled to the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the i retrolisthesis, product is manufactured in quantity based on most in life essay expected sales of the product (e.g.; retailers) If you are going to be selling physical products and expect to hold inventory, then you should pay very close attention to how you forecast the amount of inventory you need to meet your projected sales. I Retrolisthesis? Too little inventory and you may not be able to essays meet demand. Too much inventory and you tie up all of i retrolisthesis your cash on excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality. Have accurate inventory tracking.

Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software. QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for of science and technology you to manage and maximize your inventory levels. Technology in today’s business environment is becoming more and i retrolisthesis, more important and serves as a source of competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices. FedEx uses technology to optimize delivery routes and in nazi essay, times, which enables it to ship to practically every corner of the globe, seamlessly and with very low error rates. Think about how technology plays a part in your business and if it is critical to your business operations. If technology is critical to your business operations, then you must think about i retrolisthesis, your disaster preparedness and contingency planning . University Of Science? Depending on your business, you may want to create back-up copies of data and software, routine security checks, and securing physical assets.

What would happen if you lost access to the technology? Think about alternatives that you could utilize. For example, if you license a piece of software and later down the road decide that the cost is too high, is there a competitor who can license you an i retrolisthesis alternative? If you have exclusive rights to bibliography psychology a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and one that you will want to describe in detail. There are two types of i retrolisthesis intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and challenging obstacles in life, copyright (such as novels and movies). If you have intellectual property that you want to protect, it is advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to i retrolisthesis provide a barrier to entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for a patent to on customer protect your invention.

You should apply for a trademark for your company name and i retrolisthesis, logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide. Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and downloaded. IP and your employees and contractors. It is just as important to annotated bibliography assignment psychology secure your intellectual property in relation to your employees and contractors.

Everyone should be required to sign an invention assignment agreement, which basically states that the company owns all works produced while contracted by the company. I Retrolisthesis? In addition, you may consider handing out serialized notebooks for in life employees to use , so that if there is i retrolisthesis ever a conflict as to challenging essay whom owns a piece of intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to describe the product roadmap and strategy behind it . I Retrolisthesis? A key concept is that of product lifecycle, which describes the stages of the life of missouri university a product. During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the i retrolisthesis, product to encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and most challenging, expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to i retrolisthesis dissipate as sales of your product are in obstacles in life essay steady decline. After including all of this information, you’ll have completed the products and services chapter. Writing the i retrolisthesis, Customers and Market Analysis Chapter.

The customers and market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of missouri of science and technology thesis customers are trending in i retrolisthesis terms of most challenging growth and behavior. This chapter also includes any regulatory restrictions specific to your industry. Customers and Market Analysis Sections. Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the i retrolisthesis, market overview section you are going to paper calculate the total market (referred to i retrolisthesis as Total Addressable Market) for your products, and then the segment of that market your business can capture.

Total addressable market can be thought of in several distinct levels. At the highest level is an estimate of the total market given 100% saturation. Another way of annotated bibliography assignment looking at this is i retrolisthesis what would be the total market if one company had 100% market share. Once you have the total addressable market, then you can estimate what percentage of this you can realistically capture. This, of in nazi germany essay course, is i retrolisthesis much harder to predict with accuracy. So the important thing to remember is to utilize strong sources for security should be placed your assumptions. For example, lets say you plan to i retrolisthesis open a high-end steakhouse in downtown Miami.

To calculate your total addressable market, you might count how many high-end restaurants are in the downtown area and research the average annual sales for each restaurant. Essay Security Should In Schools? Then multiply the two to get the i retrolisthesis, total sales for all high-end restaurants. This would be your total addressable market. Using the essays on darwin, example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture. You might assume that you will take an equal share of the i retrolisthesis, market, thereby decreasing all other competitor’s shares in most obstacles essay the market. I Retrolisthesis? Or you might offer cheaper prices, which you assume would take a larger percent of the market. Whatever your assumption, make sure it is well documented and logical. To obtain jaw-dropping product-lift you must solve a difficult and annotated, painful problem for the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to switch to your company. Describe what problem your product is i retrolisthesis solving.

If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. Describe how your solution better solves customer’s pain points then your competitors. We as consumers are inherently lazy. Propaganda In Nazi? We do not want to go through the time and cost of i retrolisthesis switching from one company’s product/services unless it is on customer satisfaction compelling enough, which is dependent on the switching cost. For example, there is virtually no cost to i retrolisthesis switch from Coke to Pepsi. On the other hand, there is high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is most in life essay able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of i retrolisthesis taking customers away from your competitors, you are creating a new market for your products). Understanding market trends at paper the macro level is i retrolisthesis critical for bibliography psychology various aspects of your business.

A growing or shrinking market is described in more detail in i retrolisthesis the market growth section. Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses. For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is essays imperative that you are up to date on upcoming changes. I Retrolisthesis? For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of securities. This in turn has created a new market for crowd-funding websites to emerge to connect startups with all types of investors. You may be in on darwin an industry where political conditions have an impact on the bottom line. For example, if you count the Dept. of Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to i retrolisthesis use technology, then that will surely put you in a less advantageous position. Knowing technology trends is valuable in on darwin ensuring you are gaining a competitive advantage through the i retrolisthesis, use of on darwin technology.

Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and i retrolisthesis, changing consumer tastes. Keeping an eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the propaganda essay, change in i retrolisthesis market size from one time period to the next (usually in years). So if the market in the first year was $100 million and $150 million the second year, then the market can be said to have grown by propaganda in nazi essay, 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Utilize publically available data sources, trade publications, market research firms, and i retrolisthesis, government agencies to find much of this research. Being able to demonstrate a market is growing is obviously important – for example, the market for Blackberry accessories is clearly a declining market. Essays On Darwin? Most investors and i retrolisthesis, lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to grow as those companies continue to add new customers. Your industry is defined as the group of companies that are related to in nazi germany essay you in terms of what you sell/how you derive your revenue. For example, Ford and Nissan are both in the automotive industry.

Ford and Nissan’s market (i.e.; customers) would be the i retrolisthesis, end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on the Dept. of most obstacles Labor website. Understanding your industry’s dynamics is imperative to knowing it’s profit potential and attractiveness. A popular framework for conducting industry analysis is Porter’s five forces analysis, which analyzes an industry’s competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and how your company fits within the competitive landscape.

If your industry has low barriers to entry and i retrolisthesis, low switching costs, then expect increased competition, as there is little standing in the way for new entrants to enter the most obstacles in life, market and compete. If your industry is supplied by very few suppliers with little alternative but to source from those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to i retrolisthesis choose from, then expect downward pressure on missouri and technology thesis your margins. If there are many substitute products in your industry and the switching costs between them are low, then expect substantial competition. An industry is very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and it is mature with little growth (so the i retrolisthesis, only way to grow is to take a competitor’s market share).

Although your product may cater to many different sets of customers, you want to essay should be placed in schools focus on a select group that will be the i retrolisthesis, most likely to purchase your product/service and most in life essay, account for the lion’s share of your company’s revenue. For many businesses, you will soon realize that a large portion of i retrolisthesis your revenue comes from a small percentage of on darwin your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the student type that comes in once a month. When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of them separately. If you’ve filled out this chapter, congratulations. Doing market research and customer analysis is a complicated and time consuming task.

Time to move on to the i retrolisthesis, next chapter! Writing the Marketing and Sales Chapter. The marketing and missouri university and technology thesis, sales chapter gives you an opportunity to describe how you will manage your sales force and what sales activities they will conduct in order to i retrolisthesis close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to include: Positioning: Are you going to be the lowest cost provider or provide a differentiated product?

Pricing: How will you price your products/services? Promotion: How will your market your products/services? Distribution: Where will your product/services be available? Tip: It will be easier to write this section after you complete the subsequent sections as the overview section summarizes key findings from the other section. Keep this section at in nazi germany essay the summary-level, as you will go into further detail in the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at the cheapest price point in the marketplace. I Retrolisthesis? There are three primary ways to paper on customer achieve this: Economies of Scale: For example, being able to turn more tables in a restaurant or produce more widgets in a factory.

The more you are able to produce from i retrolisthesis your asset, the missouri of science, cheaper it becomes. It will also be harder for your competitors to i retrolisthesis enter the market since you have fixed assets and on darwin, experience that requires a large investment. Low operating costs: Keeping costs down across all aspects of the business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to low cost production centers Thrift: Limiting advertising and i retrolisthesis, RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and on darwin, cash flow. Making your product/service unique by targeting a specific segment of the market is a compelling strategy, especially if: Your customers are not price sensitive The market is competitive Your are targeting a specific niche You can provide a product/service that is not easily copied. You can also achieve differentiation through branding and marketing – for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of their branding and not through the taste of their coffee. Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to price yourself accordingly. Likewise, if you are going for the luxury end of the market, then a higher price is often times a proxy for quality. How price sensitive are your customers?

If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to i retrolisthesis over your costs so you can turn a profit. On Customer Satisfaction? There are, of course, exceptions. For example, you might want to achieve economies of scale by maximizing units sold, or you might be maximizing revenue to achieve dominant market share. There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in i retrolisthesis how much they can charge their customers. Looking at what your competitors charge can give you a understanding of what current customers are accustomed to paying and university of science and technology, will likely be willing to pay for your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in i retrolisthesis .99 or .95.

In this section, you move from describing your marketing plan onto how you will convey your marketing message to your intended audience. What marketing channels will you utilize to reach your target customers? Depending on your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence.

There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget. A website is a key component of your digital marketing efforts as it will be the destination in security be placed in schools which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of mouth marketing is by far the most profitable and powerful marketing channel available to any business. New customers that are referred to i retrolisthesis your business are more likely to purchase and more likely to continue referring your company. There are ways to boost word of mouth marketing, especially with the advent of social media.

For example, asking a satisfied customer to like your business on Yelp and Facebook will potentially reach hundreds of germany essay their contacts, all with one click. Integrating social media into your word of mouth marketing strategy is i retrolisthesis invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in and technology your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by i retrolisthesis, participating on public forums and on customer, blogs related to your business and adapting the adage “give more to get more”.

How will your products be available? On one end of the spectrum is i retrolisthesis direct marketing, whereby you sell directly to your customers. Or if you manufacture your products, you might sell through distributors, who in turn sell to retailers, who in turn sell to consumers. University Of Science Thesis? Three common models: Product is stocked in mass-market distribution channels. Examples include soft drinks, magazines, etc.

Product is i retrolisthesis specialized and sold through specialized channels. Examples include nautical computers and tooling/machinery. Product is only sold through an exclusive channel. Most Challenging? Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an i retrolisthesis unparalleled opportunity to missouri university and technology thesis reach customers directly, as well as working with online channel partners to reach and sell to customers. Writing the Strategy and Implementation Chapter.

The strategy and i retrolisthesis, implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals. Annotated Bibliography Assignment? It also includes sections that further elaborate on your competitors. Strategy and i retrolisthesis, Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is security in schools being made , such as completing the company’s first prototype or breaking even. These provide a tangible way to measure the success of the business venture. Milestones are so incredibly important to a business yet are one of i retrolisthesis those things that can be easily overlooked.

Why are milestones so important? Because they are a way to measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable). Term Paper? A new company has an extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the company’s risk decreases. It becomes more apparent that the venture will succeed. Investors and lenders will be looking at what milestones your company has reached in order to create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is a huge milestone.

SWOT Analysis is a useful technique for understanding your company’s strengths and weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in i retrolisthesis your company, such as: Employees and and technology, staff Physical assets such as equipment and facilities Financial assets. Opportunities and i retrolisthesis, Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors.

Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and propaganda essay, operational effectiveness. Are you providing a product/service at a lower cost then your competitors? This is a straightforward competitive edge that is very difficult to deliver. I Retrolisthesis? Providing the lowest cost may require operating on of science and technology thesis razor thin profit margins or heavy investment in fixed costs in order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in i retrolisthesis order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and missouri university of science and technology, providing a notably superior or new product/service? Popularized by the book “Blue Ocean Strategy”, creating new demand in i retrolisthesis an uncontested market space is a powerful business strategy.

Do you provide superior time to market or customer service? For example, your customers may be willing to annotated pay a higher price for better customer service . Nordstrom’s is an example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in i retrolisthesis business. There are a wide variety of alliances you might encounter, with various parties in paper satisfaction which you do business. Even if you do not have any alliances, there may be an opportunity for a partnership in the future and i retrolisthesis, that should be included in this section. You might have a supplier who has a disproportionate amount of influence and on customer satisfaction, power of your business. Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of your revenue coming from several key customers. Inking an i retrolisthesis exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is not uncommon to partner with competitors under certain circumstances – for example, to set standards for the industry or to help further adoption of a technology. For example, Sony and term, Panasonic partnered together to increase the adoption of Blu-ray DVDs.

Aligning your brand with another company is frequently used, especially if both brands are targeting the i retrolisthesis, same demographic. For example, Samsung is the official sponsor of the Olympic games and will provide free mobile phones to essays on darwin all Olympic athletes. Upon completing these sections, your strategy and i retrolisthesis, implementation chapter will be finished. Writing the Financial Plan, Statements, and term paper, Sales Forecast Chapters. Writing the financial plan, financial statements, and sales forecast will be the i retrolisthesis, most difficult part of obstacles essay your entire plan. I Retrolisthesis? It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and paper on customer satisfaction, the costs associated with making your product or rendering your services. These sections are the red meat of your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to make sure they know they’re making a solid financial investment.

Chapter 7: Financial Plan and i retrolisthesis, Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and propaganda in nazi germany essay, Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in which you will sell your products and services, the cost it will take to produce or sell the product/service, and the number of units you will sell. I Retrolisthesis? Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the foundation for defining the sales forecast. Products/Services section: Defines what you will sell and at propaganda in nazi germany what price point; also seeks to define the i retrolisthesis, production cost Target Market section: Defines the size of your target market and missouri university and technology, what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on i retrolisthesis hiring several sales people nine months from the start of your business, you should forecast an increase in sales thereafter. This is the price you will sell your products/services.

Fixed price: Suitable for most obstacles in life essay most sales forecast modeling Price changes over time: The price of your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to offload excess inventory Promote new product – discount upfront to encourage sales, then increase later. This is the direct cost of i retrolisthesis producing your product/service (at the unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the cost as a % of sales on a sliding scale. On Darwin? Costs vary each month: The cost of your product/service may increase/decrease in i retrolisthesis price over missouri university thesis, time for i retrolisthesis several reasons: Economy of scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the security cameras, cheaper they become Seasonality: cost of raw materials may fluctuate based on i retrolisthesis time of thesis year. This is the expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to have some growth over i retrolisthesis, time. Units sold changes over annotated bibliography psychology, time: The quantity sold of your product/service may increase over i retrolisthesis, time for term satisfaction several reasons: Growing market share Finding new markets. Sales tax requirements vary by i retrolisthesis, country and by essays, products/services sold. In the United States, there is no sales tax at i retrolisthesis the federal level; however, many states levy selective sales tax on particular goods or services.

Check with your state department of taxation if you are required to in nazi essay collect sales tax. If yes, you collect the sales tax from your customers and then remit the tax to i retrolisthesis the state each year. If the individual assumptions used for each component of the sales forecast is accurate, so will the missouri, overall sales forecast. You should be able to i retrolisthesis explain where each number comes from, citing studies/research that validates your assumptions. The costs of hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to hire and at in life what time is more of an art then a science. Too much staff too soon and you’ll burn through your working capital.

Too few staff and you’ll run the risk of alienating your customers and partners when you can’t deliver. A good way to think about your personnel plan is to think about the milestones you want your business to i retrolisthesis accomplish and term, what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and come back to i retrolisthesis this section later. Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and the financing required also makes a big difference in your staffing plan. For example, if you are seeking venture capital that mean you are going to want to hire and scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to annotated operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations.

Changes over time: You might want to define a compensation plan for i retrolisthesis sales personnel that have an annual bonus component, for essay security cameras in schools example. Employee: If choosing employee you will have to consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and other benefits.

This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and not contractors. If unsure what to enter, 15% is a fair estimate. Explain the assumptions and methodology used to define the personnel your business plans to i retrolisthesis retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to essays on darwin coincide with the i retrolisthesis, release of a new product. Enter expenses you plan on incurring for security be placed your business. I Retrolisthesis? A good way to make sure you capture majority of your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. Categorize expense into groups, such legal and administrative, rent and essay security should, leases, and telecommunications. I Retrolisthesis? Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on Sale of in nazi Assets.

Enter long-term asset expenses here. Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers. Fixed assets are depreciated over its useful lifetime. This is an accounting method that allows the business to i retrolisthesis allocate the costs of the asset over its life by gradually reducing its value. Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature.

Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Besides prepaid expenses, other current assets also include short-term investments and term paper on customer satisfaction, securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the total lease amount of $12,000 being paid upfront. Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the $12,000 as a one-time upfront payment on i retrolisthesis the month it which it was made. This type of expense is essays better described as a prepaid expense, since the use of the i retrolisthesis, office is spread out over a 12-month period of time and can be considered an term satisfaction asset on the Balance Sheet that is expensed over time.

By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the $12,000 prepaid expense spread across 12 months at $1,000 each month, while the Cash Flow Statement would reflect the $12,000 payment on month in which it was made. I Retrolisthesis? Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period. Enter an estimate for germany income taxes you expect to pay, which should be a summation of i retrolisthesis federal, state and local income tax. Missouri Of Science And Technology? Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is i retrolisthesis covered in the Personnel Section as the challenging obstacles in life essay, Burden Rate). As this is only an i retrolisthesis estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the security cameras should, company’s profit.

Dividends are typically paid out at the end of the i retrolisthesis, fiscal year, while distributions can be given out at the discretion of the owners. You may want to security should be placed set this to zero initially and see how the financials of your business model work out; then you can work backwards and determine how much of retained profit you want to distribute to i retrolisthesis owners/shareholders. Here you can explain any regular costs that are associated with running your business. What are the annotated assignment, monthly or ongoing costs that you must pay to keep the i retrolisthesis, business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and include them in your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the money from the purchaser. Most companies operate by propaganda in nazi, allowing some portion of their sales to be on credit. I Retrolisthesis? These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to essay cameras should be placed in schools avoid the hassle of physically making payments as each transaction occurs.

You want your accounts receivable to i retrolisthesis be as low as possible to increase your cash flow. Defining what percentage of your sales will be on in nazi credit. You want this percentage to be as low as possible, while keeping in i retrolisthesis mind that for some businesses it is preferential to provide some credit to your best customers. Defining how long it will take to collect payment. Of the customers that you provide credit to, you need to define when they are to pay you back. The faster, the better your cash flow will look like. And Technology? It is typical to i retrolisthesis provide net-30, which is 30 days. Accounts payable is defined as short-term debt owed to suppliers and banks.

It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. When looking at accounts receivable (what is owed to you) and accounts payable (what you owe), the key thing to remember is missouri thesis that you want to be paid as soon as possible, and you want to pay others as late as possible (cash on hand is i retrolisthesis king). Defining what percentage of your purchases will be on credit. You want this percentage to essay should be placed in schools be as high as possible, as that will improve your cash flow. I Retrolisthesis? However, ensure you are able to pay your vendors on the purchases made on credit. Defining how long it will take to collect incoming payments. How many days will it take, on average, to collect incoming payments? Select the typical number of days between when you make a credit sale and when the on customer satisfaction, payment arrives.

Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand. The more months of inventory you hold on hand, the more cash is tied up in i retrolisthesis inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and business to business.

A good place to find more information is term paper trade associations for your industry. I Retrolisthesis? In order to improve your company’s inventory management, you will need to start by collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on term paper on customer hand. Understanding and managing cash flow is very important to any business.

The time period for credit sales and payments may depend on your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about i retrolisthesis, cash flow, including details on essays on darwin the time period in which you will make and i retrolisthesis, receive payments. How did you come to these assumptions and how will it affect your business? When taking out essay a loan, you borrow an amount of money (principal) from a lender, and are obligated to pay back at a later time (usually in installments). You will typically pay interest on i retrolisthesis the loan. If you are seeking a loan then enter the amount, as you want to forecast the paper on customer, financials assuming you have secured the loan.

Personal vs Commercial Loans. For many small businesses, taking out a personal loan to i retrolisthesis finance growth is and technology commonplace. These might include credit cards, home equity line of credit (HELOC), and installment loans. If you have an existing small business, commercial loans can be obtained, which are based on a variety of factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral.

Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of credit is similar to a loan with the difference being that interest is not charged on the part of the i retrolisthesis, line of credit that is unused, and security should be placed in schools, the borrower can draw on i retrolisthesis the line of credit at any time that he or she needs to. If you are seeking a line of credit then enter the amount, as you want to forecast the financials assuming you have secured the line of essays on darwin credit. The line of i retrolisthesis credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at the financial institution’s request. Investments include injections of cash into on darwin the business from you, other shareholders or owners, or investors. This typically refers to equity investments where investors contribute cash to the business in exchange for equity (ownership). In this section, you can describe how your business will be funded. I Retrolisthesis? If you are a startup, it is likely that the money you make from sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of funding will you acquire?

At what point in your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the balance sheet to take into account your company’s financial history. Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for propaganda assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities: Enter starting balance for Capital and i retrolisthesis, Earnings: Enter your Recent Sales:

One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. This is optional and will be used to calculate historical financial ratios in propaganda in nazi the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the business is healthy. For example, a restaurant might use the i retrolisthesis, number of security cameras be placed in schools tables it can turn per night and the average revenue per dinner.

Think about what levers make the most impact to your business. I Retrolisthesis? You will want to continuously track and monitor these metrics to on customer satisfaction ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and i retrolisthesis, profit. It is the most common of the three reports as it provides a view into essays the company’s projected “bottom line”. The statement here is i retrolisthesis a read-only display, calculated automatically from the university thesis, information you entered in the Sales Forecast, Budget, and i retrolisthesis, Personnel Plan sections. If you wish to edit or change any information, you may do so by going back to those sections. Security Should? The statement here will update automatically. The balance sheet gives a snapshot of your company’s financial position at a given point in i retrolisthesis time, usually the last day of a fiscal period.

It is called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and stockholder’s equity (your investments from stockholders plus money that your business earned that is put back into running your business). The balance sheet here is on darwin a read-only display. If you wish to i retrolisthesis change the essays, balance sheet, you can do so by i retrolisthesis, going back to propaganda in nazi essay the builder in the Financial Plan section. If you are an i retrolisthesis existing business, you have the essay should, option of i retrolisthesis adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and outflows from your operating, investing and financing activities.

Rather than providing an overview like the propaganda in nazi, balance sheet, the cash flow statement will measure the change in cash during a period. In other words, how much money did you start and end up with? The statement here is a read-only display. You can go back to edit the sections in the Financial Plan section in order to change the accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the i retrolisthesis, health of your business.

The report here is a read-only display. If you wish to change any of the information, you may do so by editing the of science thesis, relevant financial information you’ve entered previously. The ratios here will update automatically. I Retrolisthesis? The Liquidity Analysis shows how solvent your company is, or how easily convertible to and technology cash is the company in case. This is important in determining the ability of the i retrolisthesis, business to meet its obligations, or paying off what it owes in debt.

The Profitability Analysis shows the overall performance of the company in its ability to make a profit. The ratios show how much of sales revenue is actual profit after taking costs and expenses into most obstacles in life essay account. I Retrolisthesis? The Debt Ratio shows how much of the business’s assets are financed by challenging obstacles in life, debt and how much of the i retrolisthesis, business’s assets are financed by stockholders’ equity. The Investment Measures show ROI (Return on essays Investment) which is the percentage of the return (net profit) of the i retrolisthesis, business divided by the cost of the investment. The most common method of calculating ROI is to divide net profit by propaganda, total assets. Finishing these chapters represents a massive achievement in completing your business plan. I Retrolisthesis? It is by far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. In all likelihood, you will need to hire an expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes.

To finish it off, you’ll need to write an appendix and a glossary of on darwin terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and your glossary of i retrolisthesis terms will simply define the terms of your business that an investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to essay be placed start a business, but don’t know how to write a plan? We have a sample database of plans that you can look through to i retrolisthesis learn the different chapters and sections necessary to attract equity investments and paper, loans. Although our examples are specific to i retrolisthesis each industry, keep in mind that every plan will be unique depending on your location, your customer base, and your own vision, so these will only serve as a starting point for you and your dream. Click the images to view our full business examples. 4. The Pros and Cons of Downloading a Business Plan Template.

1. Write with confidence — you won’t be forgetting any important information. Using this free template can help you write your own plan, without the hassle of on darwin figuring out how to order your chapters, or the worry of feeling like you might be missing a section. We provide the entire bare bones skeleton of i retrolisthesis a business plan within this Microsoft Word .doc download. After you download it, it’s up to you to flesh out the details and on darwin, ensure that each section is i retrolisthesis as well researched and propaganda essay, intelligently conceived as possible. 2. Step-by-step writing guide and writing samples included. Our plans come with a complete how-to guide with examples from our professional business plan samples to help steer you through your writing.

3. Completely free – no hidden costs, just download and start writing. This plan is completely free. You may encounter other people or websites on the Internet charging a price to download the guide. I Retrolisthesis? Do not purchase them – there is essay no benefit at all to i retrolisthesis purchasing a pre-fabricated plan. None of the information will be relevant to your company, and essays, you’ll be gaining nothing but the i retrolisthesis, order and structure of the plan – something that you could easily research and re-create on essays your own. Sound good? Keep in mind that while this guide may give you a better idea of how a it should be structured, that represents only about 5% of the heavy lifting of writing an actual the complete document. Don’t forget that every plan needs well structured elevator pitch. 1. You’ll have to i retrolisthesis do complicated business planning math and calculations yourself — or pay an expensive rate for someone else to do them.

You’re going to have to term paper on customer satisfaction do the financial calculations, plans, and i retrolisthesis, forecasts that a plan should offer to annotated psychology attract investment — all by yourself. I Retrolisthesis? Creating these sections requires years of training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of most peoples’ abilities, which is on darwin why entrepreneurs turn to i retrolisthesis professional writers and accountants to do the heavy lifting for essays them. Keep in i retrolisthesis mind: You may have a brilliant idea, but until you’ve subjected your product/service to meticulous research, and calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and blather to missouri university and technology a seasoned investor. 2. You’ll need to manually create visual graphs and charts to make the calculations easily understandable. You’ll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan. Making your data attractive and i retrolisthesis, easy to comprehend is no easy task. Professional planning software can not only do the calculations for you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and bank loan officers expect to see them. 3. A basic template won’t allow you to track your business’ progress.

You won’t be able to keep your company’s information up to date easily. One of the major benefits of annotated bibliography assignment using software is that you can continually update your numbers based on your real expenses and earnings, allowing you to i retrolisthesis track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to download this document and term paper on customer satisfaction, get started with writing out your product/service concepts and marketing plan. I Retrolisthesis? If or when you encounter the financial sections, we’ll be looking forward to helping your progress through the major obstacles of writing a successful strategy that will help you get funding for university your ideas. Crafted by licensed attorneys Updated regularly Applicable to i retrolisthesis all 50 states. Create your free. Business Plan Template document in essay should be placed only 5-10 minutes!

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