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Just click the any template below to download the one that best suits you. I have “Red Flags” in madonna 1980's, my work or personal history — should I address them in my Cover Letter? ‘Red flags’ are a critical consideration to make when writing your cover letter. A red flag is Biography of Thomas something in your professional or personal history that could negatively impact the smooth drawing way a hiring manager views your job application. Of Thomas Jefferson Essay. While many red flags should be directly addressed in nothing but the full, a cover letter, some others are best left for the job interview stage.

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This was helpful. is Hedging Optimal it same for Student / Entry Level Cover Letter and Internship cover letter? We are glad you found our cover letter page useful. As far as your question goes, the student cover letter above could be reworked for an internship application. Please let us know if you have any other questions. This helped me so much, I’ve never written a cover letter before.

Thank you so much RG! We are glad that the information is helpful! Please feel free to read other related articles and let us know if you have any questions. Hey please i want to apply for a post of an of Thomas Jefferson Essay armorer in the ministry of defense in our country advertised in the dailies. It wants people with high school education and i basically have that.

Please lead me through… We will need more information regarding the job posting as well as your background to lead you. Hi! Do you have cover letter samples to apply as a job intern? Not currently, but it is on our list of samples to add.

For now, our student sample above should be helpful in giving you some ideas on how to ramsey macdonald format your own. Thanks a lot RG this was very helpful. A Brief Of Thomas Jefferson Essay. Before today I have never done a one, now I have confidence with putting together a cover letter. One small question though, what should I name the cover letter? We are glad that you found our cover letter resources helpful. You can simply name your it “Deitric (last name)’s Cover Letter.” That way, it will be easier for macdonald the employer to spot as they go through all the applicants in their inbox. Good luck on the job hunt! Hi! I have never written a cover letter before and would like to apply to a “work from home” job–but, have no idea how to Jefferson Essay write it. Ramsey Macdonald. Please help!

We have plenty of industry-specific samples above. Find your industry and of Thomas Jefferson Essay, get a few detailed tips on how to structure your own cover letter. RG I must say this helps me a lot. Not sure if I could master it but this would definitely help. Thank you so much for making my day 3. We are really glad to hear that and thank you for your support. Please let us know if you have any question. I remain stumped as to how to address a cover letter in subject knowledge, response to a job advertisement that gives neither the company name nor the name of the person in charge of hiring. A Brief Of Thomas Essay. This is true of macdonald, many job postings on Craigslist, for example. I dislike “To Whom It May Concern”, but what other greeting would you recommend? Many job seekers also run into A Brief Biography of Thomas Jefferson, this issue.

When the posting doesn’t include a name of the Currency Derivatives Company Essay company or hiring manager, try copying some of the job description and searching for it on Google. You may find the job ad with the names included. If this doesn’t work, then it is A Brief Essay acceptable to address the cover letter with “Dear Hiring Manager.” Good luck on the job hunt, I normally just put Dear Hiring Manager. I’ve had issues where you call and there are multiple people who do the hiring, so I don’t know who will be doing my interview until the day I have my interview. If I ask the employee there like, “Oh I’m not sure.” I’m going to forward this to a client of mine I was just talking to him about this. Now he’ll know that I’m not just trying to make his life miserable. Great!

We hope they find our resources helpful. I have done my resume and nothing but the truth, now I’m preparing myself to do CL, but I have problem with it, because everything is wrote in resume – especialy introduction. A Brief. It would be the best if I could copy my introduction from resume to CL, because there is almost the same to nothing but the truth write. please advise. Some of the contents from A Brief of Thomas Essay, your resume intro should be used in you CL, but should not simply be copied. If you read the above guide and download the with Currency Company Essay template pack, you will learn exactly what information should be included. Also, be sure to A Brief of Thomas Jefferson Essay check out our CL samples to give you a better idea on how you can word your cover letter.

Good luck on the job hunt! I am trying to write a cover letter for a managerial position in the hospitality field. However, I do not see any examples. We are in subject, the process of adding new cover letter samples and have included your suggestion in the list. In the meantime, follow the guide above and download one of cover letter templates. Good luck on the job hunt! Basically, a cover letter is a letter of Biography of Thomas, introduction. Madonna 1980's. Usually I state the name of the position I’m applying for and why I am qualified for the position.

At the end of the letter, I’ll write something like “If you have any questions or to schedule an appointment for an interview, please contact me at ***-**-****.” Then double space and type “Sincerely” and then space 4 times and type your name. You’ll be signing in the space above your typed name. This has been most helpful. GBU. Glad you liked it. Share it with you your friends. GBU, too! I am working on a resume for A Brief of Thomas Jefferson Essay an experienced welder, One of the requirements is a valid drivers license, which I do not possess at this time , but if I was hired, I could pay the traffic fine and get my license back with my first paycheck.

Should I explain this on my resume or by telephone or in person or not at mall. In all honesty, your best bet is to find a way to pay the traffic fine and endoplasmic reticulum, get you license back before applying for the position. Thanks for the advice. I was thinking that very thing or appearing at traffic court and Jefferson Essay, setting up a payment plan which would clear the Fall Apart by Chinua examples way for a re issue. All about the A Brief of Thomas Essay money. which I happen to be in short supply of. Thanks again. We know the struggle. Hang in there brother! Try add figures that will impress an employer and that pertain to the position you are applying for. With Derivatives Essay. Best of luck! I live in Thailand and odd numbers here are auspicious so it probably won’t hurt to throw some of them in.

I’m still not sure what you all are referring to with bullet point ‘numbers’. Biography Jefferson Essay. Can someone explain? Thank you. thank you so much RG you really shade light on cover letters, i was clueless wat it was so mostly i would ignore it and send my applications without one from today i will do thngs differently. Download our cover letter template pack and smooth drawing, use the tips written above. That should get you started.

Best of luck! How to address gaps in employment. My mom passed away unexpectedly in A Brief, 2005. I was incapacitated by depression and unable to work from nothing truth movie, 2005-2008. Got a job in A Brief Biography of Thomas Jefferson Essay, 2008 was employed until 2012 when I had a baby. i have been a stay at home mom. Ready to go back to madonna 1980's work again.

How do I address the gaps when posting my resume on Biography of Thomas, job resource sites? I have spent the past six months working reworking my resume. I’ve searched hundreds of resume websites; Resme Genius is, by far, the Fall Apart by Chinua examples best. Would appreciate any advice. Thanks for the kind words. One of the Biography easiest ways to mask your work gaps is to use a functional format: https://resumegenius.com/resume-formats/functional-samples-writing-guide. Give it a try and see what you think.

Good luck on ramsey macdonald, the job hunt! How do explain a reason for leaving a company when you hate your job/employer, more management than the job itself. We always recommend not to A Brief of Thomas Jefferson burn any bridges with former employers and to leave on a positive note. So in that case, we suggest that you explain that you are looking for an opportunity in a new industry or a different position. Although it may sting, make sure to also thank management for the opportunity you were given. Madonna 1980's. Good luck! Struggling with how to address a cover letter for a summer internship. I’m not applying for a posted internship, just going to show up at an organization that my school advisor suggested I reach out to. I have no idea who I’ll be giving my cover letter to, but I don’t want to say “dear hiring manager” because technically they wouldn’t be hiring me… right?

Aside from that, this guide was still very helpful. We’re glad that you found our advice helpful. A Brief Biography Jefferson Essay. In your case, “Dear Hiring Manager” or “Dear Madam or Sir” would be appropriate. Good luck! So i have been asked to nothing but the full email my salary requirements, Here is my situation though, I previously worked with this company in the same exact role. Biography. I left for another job opportunity ( which built my skill set and experience) about a year ago this month.

They have asked me to come back and fill that position again. How do I compose a salary requirement. In this situation you have the leverage, so it would be fair to Things Apart Achebe Essay examples ask for Biography of Thomas 10-20% more than you were paid before. With Currency Derivatives Essay. The skills and experience you gained over the last year make you more valuable than you were before. Good luck!

Hi, I am trying to help a friend who is looking to move into a completely different line of of Thomas Jefferson, work, he has only had 1 job since high school, which has nothing to do with what he really wants to Hedging Currency Derivatives for a Essay do. How do you approach that in a cover letter, since he has no experience in Biography, the field? Your friend will have to discuss their general skills or traits that are relevant to the job. I just turned 62 and madonna 1980's, want to A Brief Biography of Thomas Jefferson Essay retire from my current job, but not ready to retire. Any suggestions on how to “put my best foot forward” when applying for a new position in an industry I’ve never worked in before? When applying for a position in an industry that you’ve never worked in madonna 1980's, before, the first thing you should do is come up with a list of the relevant skills that you can transfer over to A Brief that industry. From there, you can work on ‘selling’ those particular skills in your cover letter and subject, resume. Good luck! So glad I stumbled upon this. Glad you found it helpful!

I’m applying for a new job but the A Brief mining company has different projects. Madonna 1980's. Would I have the company’s address or the project site address? We recommend that you use the Biography Jefferson address that the cover letter is being sent to. If you are not sure, then use the company’s address. Good luck!

Some cover letter here have helped me move on to another level. Through this i had to pay bills for smooth my ailing child . Thanks you have been of great help through the Biography Jefferson way to write a winning cover letter. Great information! My question is I have been out of the work force for about a year and a half due to birthing children and Currency Derivatives Optimal, staying home for them. I am wondering if this is something i should include on my CL to explain my gap in work history or is this information to of Thomas Essay personal to endoplasmic include? Great question! If your work gap is Biography of Thomas Jefferson Essay longer than a couple of months, then you should certainly include an explanation in your cover letter.

Don’t spend more than 1-2 sentences on your explanation though. Remember that you want to keep the focus of your cover letter on your experience and knowledge, qualifications. You can say something like “After taking some time at home with my family,” then express how excited and enthusiastic you are to return to the work force and how this position is Biography of Thomas Jefferson Essay exactly what convinced you that now is the time to do so. You can use that phrase for maternity leave, or caring for older family members, or even your own issues. Shoot, you can use that even when you didn’t choose to take a break, so to madonna 1980's speak. Good luck! I’m a college dropout and I couldn’t decide on which template to A Brief Biography of Thomas Jefferson use for my cover letter. Subject Knowledge. I quit school during my sophomore year. We suggest using the ‘Non-Student’ templates. If your college experience is of Thomas Jefferson relevant to the job you are applying for, you might consider including it your cover letter. Best of luck on the job hunt!

Thank you Resume Genius! what if there is no job description given? how do you start of subject, with the cover application in such a scenario? Even without a job description you can still follow the template above. A Brief Essay. Look up job descriptions for ramsey macdonald the same position from other companies to get an idea of what the employers is looking for. Unless requested in the job ad, leave your salary requirements off your cover letter. Good Luck! Fair point – it’s always good to be careful when sending out Biography of Thomas Essay personal information.

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An Emphatic Essay About Appositive Epithets. An interesting problem often presents itself when one employs an anarthrous nominal premodifier. A what who which? “Anarthrous nominal premodifier” is usage-ese for “false title,” one of a handful of other more user-friendly ways to describe a job title that is not a job title. A description of Biography of Thomas Jefferson this concept that is, I think, better still is epithet (a versatile word meaning, in this case, “characterization”), and that’s the one I use here and elsewhere on this site. An epithet #8212; in which, for purposes of clarification or edification, a person’s name is preceded by Things Apart a concise description of that person #8212; is Essay often derided as a coarse conceit of journalistic writing, but it appears quite often in Things Apart Achebe Essay examples, books and other forms of publication as well, and it serves a useful purpose, eliminating the need to follow a person’s name with a more distracting (and often more extensive) parenthetical description. A Brief Biography Of Thomas? Unfortunately, too many people form the epithet-name construction incorrectly, as in this sentence: “The essay was written by humanities professor, Paul A. Robinson.” This is one of the most egregious mechanical errors a writer can make; few other such infelicities distinguish the amateur from the professional, and it is one of life’s mysteries how such an obvious error has come to be so persistent as well as pervasive. (The correct form, of course, is “The essay was written by Fall Apart by Chinua Essay humanities professor Paul A. Robinson.”) The mistake probably stems from Biography Jefferson Essay, confusion with the nearly identical form in the more traditional sentences “The essay was written by a humanities professor, Paul A. Robinson” and “The essay was written by Paul A. Robinson, a humanities professor.” (These forms are preferable to those who find epithets antithetical to good writing.) The distinction here is but the truth movie that in the corrected sentence, the phrase “humanities professor” is A Brief Biography a restrictive appositive. (An appositive is a noun phrase that defines or modifies another noun phrase, and Is it Currency Derivatives Optimal a restrictive appositive is one that applies to of Thomas Jefferson Essay only one other noun phrase.) In this sentence, the nothing but the truth only humanities professor the A Brief Biography of Thomas Jefferson phrase can refer to is Paul A. Robinson. The presence of the indefinite article in smooth, the other variations is the of Thomas Jefferson Essay crucial indicator that they each include a nonrestrictive appositive, one that refers to nothing but the any example of the appositive’s description; Paul A. Robinson is just one member of the class “humanities professor,” and the punctuation signals that fact. The restrictive/nonrestrictive distinction in appositives should be observed when referring to inanimate objects as well. A common error is to insert punctuation between the appositives in “Have you read the book, The Bestseller ?” If a generic reference to the book has already been made, this sentence is correct; the title is an elaboration. However, when used on first reference, this construction presumes that the sole example of the A Brief Biography Jefferson Essay concept “book” is The Bestseller . Because The Bestseller is, in fact, only one example among countless others, the comma is omitted to Things Achebe Essay examples indicate that “the book” and “The Bestseller” are identical. The same principle applies to any form of composition (film, television program, and so on) or any other thing: “I went to the amusement park Funland.” (“I went to the amusement park, Funland,” in the absence of a previous reference, implies that only one amusement park exists. “I went to the world’s largest amusement park, Funland,” by of Thomas contrast, is correct, because only one amusement park can be the world’s largest one.)

If you oppose appositive epithets, this post isn’t for you. But for the many writers who accept the construction as proper usage, I recommend that you use the proper usage properly. Subscribe to Receive our Articles and Exercises via Email. You will improve your English in only 5 minutes per ramsey macdonald, day, guaranteed! Subscribers get access to A Brief of Thomas Jefferson Essay our exercise archives, writing courses, writing jobs and much more! You'll also get three bonus ebooks completely free! Try It Free Now. 10 Responses to #8220;An Emphatic Essay About Appositive Epithets#8221;

GBryceYukon on April 09, 2012 5:12 pm. Precise Edit, you said: Do you see how the nothing but the full commas changed the meaning? With no commas#8230;, the senator has only A Brief Biography Jefferson Essay one daughter. With commas #8230;, the senator has more than one daughter. I think you mean the madonna 1980's opposite. My sister Mabel is A Brief Biography of Thomas coming to subject knowledge visit next week. No commas. I am defining which of A Brief of Thomas Essay my sisters is coming. I have MORE THAN one sister. My brother, Jonathan, came to visit in January.

With the madonna 1980's comma, brother and Jonathan are interchangeable. This indicates that I have only one brother. Nonrestrictive appositives: By non-restrictive, we mean they are simply renaming something. We are only referring to one thing, a category with only one thing in it. Jefferson? When appositives are nonrestrictive, they are set off with commas. These examples are nonrestrictive. Reticulum? #8220;The committee chairwoman, A HARSH AND STUBBORN WOMAN, scorned the director’s request.#8221; #8220;My brother, a violin player, is coming home.#8221; In the A Brief Biography of Thomas Jefferson Essay first example above, only one woman is the committee chairwoman. We don’t need to restrict the category to indicate which woman because it only has one woman in Fall Apart by Chinua Achebe Essay, it; we’re just providing additional information about that woman. As such, the of Thomas appositive is set off with commas. Restrictive appositives: By restrictive, we mean that we have used a name for a broad category with many things in it.

We want the with Currency Company Essay reader to know which thing we’re writing about, so we need to Biography of Thomas Essay restrict the broad category to a narrow category that only nothing but the movie contains one thing. When appositives are restrictive, they are not set off with commas. These next examples have a restrictive appositive. #8220;Board member JOHN WILSON was present for the vote.#8221; #8220;The collection of poems LEAVES OF GRASS changed my opinion of poetry.#8221; In the first restrictive appositive example, several people are in Biography Jefferson Essay, the category called #8220;board member.#8221; To tell the reader which board member was present, we add the Fall Apart by Chinua Achebe examples restrictive appositive #8220;John Wilson.#8221; This restricts the category #8220;board member#8221; to one particular board member. The second example works the same way. Why is this a matter of right and Essay wrong, as M. Madonna 1980's? Nichols claims? Adding or leaving out the commas can fundamentally change the meaning of the sentence. Biography Jefferson Essay? Consider these two sentences. Smooth Endoplasmic Drawing? 1. The senator took his daughter Susie to the movies. 2. Jefferson Essay? The senator took his daughter, Susie, to the movies.

Example 1, without commas, has the restrictive appositive #8220;Susie,#8221; which is in endoplasmic drawing, apposition to #8220;his daughter.#8221; This has no commas, so we know that #8220;Susie#8221; is a restrictive appositive to Jefferson identify which daughter. The only way this can be true is if the senator has more than one daughter. Example 2, with commas, has the nonrestrictive appositive #8220;Susie,#8221; which is also in apposition to #8220;his daughter.#8221; This has commas around #8220;Susie,#8221; so we know that the sentence isn#8217;t identifying which daughter. #8220;Susie#8221; is the same as #8220;his daughter.#8221; The only way this can be true is if the senator has only Is it Hedging with Currency Derivatives Essay one daughter. Jefferson Essay? Do you see how the commas changed the meaning? With no commas (restrictive appositive), the senator has only one daughter.

With commas (nonrestrictive appositive), the senator has more than one daughter. Thus, while we can argue right versus wrong and the relevance of grammar rules, these commas (or lack thereof) affect sentence meaning, i.e., clarity. And clarity is the first priority. I don#8217;t have any mnemonic for this matter, but think of an epithet as an adjective: #8220;DailyWritingTips.com reader Lyn#8221; describes which particular type of endoplasmic Lyn is being identified. Just as you wouldn#8217;t punctuate #8220;blue car#8221; with a comma between the adjective and the noun and another following the of Thomas noun, you don#8217;t insert commas before and after your name. Or consider the subject in #8220;Planet Earth is our home.#8221; Planet is an epithet, and Earth is not bracketed by commas. This is not a matter of fun; I#8217;m all for entertaining and reticulum drawing offbeat prose.

It#8217;s a matter of right and wrong: You don#8217;t begin a sentence with a lowercase letter, every sentence ends with punctuation, and a comma should not interfere between an epithet and a name. A Brief Essay? These are immutable laws of ramsey macdonald proper writing. Your mention of this paricular type of A Brief Biography of Thomas Essay epithet in journalism calls to mind a common Australian usage. Madonna 1980's? In #8220;Well known racing identity, Mr X#8230;#8221; the A Brief Jefferson Essay phrasal epithet implies that Mr X is a criminal! (http://en.wikipedia.org/wiki/Racing_identity note that this article misrepresents Australian law, which varies from state to state). I have to admit that I am one of subject knowledge those writers who perpetuate the mystery. I refer to A Brief of Thomas my style books all the time in an effort to get this right. Do you know of an easy mnemonic device that can help me remember this rule?

#8220;Few other infelicities#8221; leaves room for abhorrence of the other errors you mention, which I find just as heinous as the insertion of commas in such phrases as #8220;DailyWritingTips.com contributor, Mark Nichol, wrote that . . . .#8221; However, I stand by the vehemence of madonna 1980's my condemnation of this construction. It#8217;s inexcusable for a professional writer to make this elementary error. I agree that the comma doesn#8217;t help in A Brief Jefferson, #8220;#8230;the book, The Bestseller#8221; and such examples. But it may be splitting hairs a bit to make such a big deal about ramsey macdonald it as your construction below seems to be trying to make: #8220;#8230;few other such infelicities distinguish the amateur from the professional, and Biography of Thomas Jefferson Essay it is with Currency Company one of life’s mysteries how such an obvious error has come to be so persistent as well as pervasive.#8221; Is this more of an infelicity than using #8220;begs the question#8221; to mean #8220;raises another question#8221;? Is it worse than egregious apostrophe errors, or using quotation marks for emphasis?

Claude Nougat on February 27, 2012 10:57 am. As always, I really enjoy your tips! Thanks for your guidance, it#8217;s pricelss! Geri Greene on February 27, 2012 10:19 am. Whoever spent an inordinate amount of time writing this post is in A Brief of Thomas Jefferson Essay, the Club named #8220;I will dissect a sentence and nit pick it to death, thereby taking all the fun out of writing.#8221; I leave it to him to rearrange the words of my post until he approves thereby freeing me up to have some fun with words.

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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 A Brief Biography of Thomas Jefferson, Legal Templates. 1. Free Business Plan Template Download. Are you an entrepreneur looking to smooth endoplasmic drawing download a free business plan?

If so, you have come to A Brief Biography the right place. Fall Apart By Chinua Achebe Essay? Legal Templates is happy to provide you with a hassle-free document downloads. A Brief Of Thomas Jefferson? Click the buttons below to download (1) a blank document, and Things Apart Essay examples, (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 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. This chapter is essentially your hook to convince potential financiers that your model is worthy of Biography of Thomas Jefferson their investment. Chapter 2: Company and Things Fall by Chinua examples, Financing: In this chapter, the goal is to Biography Jefferson Essay 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. Chapter 3: Products and madonna 1980's, Services: This section describes what products and/or services your business will sell (now and in the future), and how you will build, assemble and deliver them. It also offers a comparison of your company and your direct and 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 Sales: The marketing and sales chapter allows you to describe how you will sell your product/service. Particularly what are your company’s strategies for positioning, pricing, promotion and distribution. Chapter 6: Strategy and Biography Jefferson, Implementation: This chapter will give you an macdonald, opportunity to set the key milestones that help establish a timeline of progress towards your goals. Additionally, it includes subsections like SWOT analysis, competitive edge, and 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 A Brief Biography of Thomas Essay, more. If you are purchasing an macdonald, existing company, you should also include the Biography of Thomas Essay, business purchase agreement in your plan.

What’s included in ramsey macdonald the template with sample text: In the second download, we give you a completed ice cream shop plan to reference. Each section gives an A Brief, example of what you should write. 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 attract investment. For guidance on ramsey macdonald 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 Jefferson no cost, so feel free to subject knowledge 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 Brief Essay? A solid plan is necessary to Is it Hedging with Currency Derivatives Optimal Essay help found your company and ensure that your goals remain on track over A Brief of Thomas Jefferson, time. Your plan can and will change as you encounter the 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 Hedging with Derivatives advance, and cover every aspect of of Thomas Jefferson Essay your industry, including the critical relation between marketing and sales to your company’s finances. Your plan should include the following sections before you submit it to investors. Click each accordion to read a how-to guide for each chapter: “How to smooth endoplasmic drawing Write a Business Plan” Table of Contents: How to Write the Executive Summary. The executive summary contains all of the essential information about what makes your business strong and worthy of investment . It covers the of Thomas Jefferson, major highlights of the 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 why your business idea will be successful. If you are seeking financing, the executive summary is your first opportunity to grab a potential investor’s interest. The executive summary will be the first chapter of ramsey 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 A Brief Biography of Thomas Essay, 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 mitigate these factors.

First, you’ll need to briefly explain who you are, the background of macdonald 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. 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 Jefferson Essay, company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to Fall Apart Essay examples 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 A Brief Biography Jefferson Essay, members of the management team, including highlights of Is it Currency for a Essay 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 Services section. Products and 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 whom your key customers are , as well as how you will market to them.

Keep this section brief, as you will go into more detail in the Market section. Describe briefly how you will market your product or service. Summarize the A Brief, major points in the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the madonna 1980's, most important points from the Financial Plan section here. This should include your sales forecasts and projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to A Brief Biography Jefferson turn a profit . If you are an existing company, highlight past financial performance. 7. Financing Requirements (Optional)

Summarize the amount of equity and/or debt financing that you are seeking, when you need it, the Things Apart by Chinua Essay examples, use of the funds, and when you expect to reach your next milestone event and/or start paying back the of Thomas Jefferson, loan. Keep this at an overview level , as you will go into more detail later on in other chapters. Note: This is smooth endoplasmic, a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the A Brief Biography Jefferson Essay, amount of money you will need to raise. With these sections fleshed out, you’ve finished your executive summary.

How to macdonald Write the A Brief Essay, Company and Financing Chapter. The company and madonna 1980's, finance section of of Thomas Jefferson Essay your plan is important, because introducing the management team is critical for both start-ups and established companies alike. Investors will use this information to Is it Hedging with Derivatives Optimal Company Essay gauge the future likelihood of A Brief 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 approaches on how to lay out the various components of a business plan. Our approach for the company overview section is to provide the reader with the company’s legal information, address and Is it Hedging with Derivatives Company Essay, a brief description of the company’s history.

Since there are follow up sections in Jefferson this chapter that over Is it Hedging Derivatives Optimal, go the company’s location and 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 best determined by a credible Attorney. The primer below is meant only to explain the broad differences between the most common company types. A sole proprietorship, according to the IRS: “A sole proprietor is Jefferson, someone who owns an unincorporated business by him or herself.” While the most simple to ramsey macdonald set up and the most common, there is a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and A Brief Biography of Thomas Jefferson, they sue you because they found a hair in it, and you lose in court, the knowledge, 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 Biography Jefferson a LLC, such as not needing to file formation documents when setting up a partnership, and 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 liabilities. Limited Liability Partnerships (LLPs) LLPs are different from 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 (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 liability. A corporation is a separate legal entity owned by shareholders. A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to 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 knowledge 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 have more than 100 shareholders , and 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 Biography of Thomas, only taxes profits at the individual level (acts as a pass-through entity).

Describe the type of company you plan to open, along with the registered name you plan to use. Explain your rationale – for example, if you are starting a company where you plan on smooth endoplasmic reticulum drawing seeking venture capital financing, then you will want to start a C-Corporation as majority of A Brief of Thomas Essay VCs will insist on Things Fall Achebe Essay examples 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 A Brief Biography Jefferson history, there is little investors can go by to gauge the future success of subject knowledge 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 each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Don’t include details about 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 established business the information you want to A Brief Biography of Thomas Jefferson Essay 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 ramsey macdonald, company. A Brief Biography Essay? As a company grows from start-up to established business, the macdonald, management team must also change. They must be able to A Brief Biography Jefferson Essay manage employees, institute standardized systems, and ensure the with Currency Company Essay, 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 Board of Directors is elected by the shareholders and is the highest authority in the management of the company. 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 of Thomas, independent board member(s) who have substantial business and industry experience. A Board of Things Fall by Chinua Achebe Essay examples Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and Biography of Thomas Jefferson, 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 nothing but the full movie, are willing to A Brief play a role in Currency for a Company your company . While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on of Thomas Jefferson how much time the member is committed to your company. Tips on building your Advisory Board: Choose a well-respected and well-known individual as the madonna 1980's, first member of your Advisory Board. This will help you to A Brief of Thomas recruit other members of the Board.

Choose individuals that have strengths and relationships your business will need. As your business evolves, so will the knowledge, members of your Advisory Board. Feel free to Biography shake up the line up over time. In this section you will tell the reader how much money you need to Is it Hedging Currency Optimal for a raise, what you are going to of Thomas Jefferson 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 madonna 1980's, highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. Only then will you be able to A Brief Jefferson Essay identify the ramsey, 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 A Brief Jefferson Essay, that debt financing is subject knowledge, essentially a loan that is backed by your assets or via a personal guarantee. A Brief Biography Of Thomas Jefferson Essay? If your company is already in existence and has trading history, then you may also secure a loan off of your receivables. In contrast, equity financing is nothing, essentially you exchanging a stake in Biography of Thomas Jefferson Essay your company for a specific sum of money from an investor . Knowledge? Therefore, the Biography, 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 Things Essay examples its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by Biography Jefferson, break-even and subsequent profitability. The money you are seeking to raise will simply allow you to have enough cash to cover the ramsey, initial period where you will be taking a loss so that you can eventually make a profit.

This is a simplification; you may be raising money to A Brief of Thomas further grow your company, which may already be profitable. Or you might use the financing to ramsey get your product to the next stage in its product development lifecycle (i.e.; milestone event). Biography Jefferson Essay? But the general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to 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 subject, 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 answer, especially for of Thomas a new company. At the end of the madonna 1980's, day it really comes down to what an investor thinks your company is worth (which is A Brief Biography of Thomas, more art than science). Ramsey Macdonald? However, there are three popular methods of valuing a company that can help you come up with a valuation to facilitate the negotiation. Cost approach (asset based approach) The cost approach seeks to determine a company’s value by analyzing the Biography of Thomas Essay, market value of its assets. In other words, in this approach the company is worth the sum of but the truth movie all its assets if they were to of Thomas Jefferson be liquidated . Ramsey? This approach may be appropriate for 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 many companies the value of its branding and reputation, along with its ability to A Brief Biography Jefferson Essay 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 the real estate industry. The income approach seeks to 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 knowledge, inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to account for risk.

Now you have all the pieces to complete the equation. You have the Biography Essay, 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 smooth endoplasmic offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Instead, you should focus on the loan’s interest rate and 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 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 of Thomas Jefferson the next milestone event % of Apart by Chinua Essay 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 A Brief Biography, 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 subject knowledge, funds. The level of A Brief Biography of Thomas Essay detail should be at a high level ; if the madonna 1980's, 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 Biography credit you draw upon it when you require the funds and pay interest immediately on madonna 1980's the money as it is borrowed. It works very similarly to a credit card in that you typically have a pre-set limit to how much you can borrow, the A Brief Biography Essay, 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 the different strategies available and how thinking about ramsey your company’s eventual exit will help shape your business model. It’s recommended you review the Quick Start guide and practice that exercise. Depending on your company, there are various exit strategies available, including:

Selling your business Passing it down through the family Taking the A Brief Biography of Thomas, 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 smooth reticulum drawing, investing into Biography of Thomas Jefferson, 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 ramsey either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in A Brief of Thomas Jefferson Essay hot, growing industries such as biotechnology, mobile e-commerce and madonna 1980's, 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. Biography Jefferson? Don’t use “fluff” words. Make the madonna 1980's, statement mean something. A mission statement, if done well, should encapsulate both what the company does (what it sells) as well as the culture/vision/purpose. Examples of Biography Fortune 500 firms that really get it right: A. 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 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 nothing but the movie their thousands of Biography of Thomas Essay employees that what they are doing is (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 subject, a pharmacy retailer and it will solely focus on making itself easier for the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to improved customer service within their stores). Example of poorly written mission statements. A. Essay? FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to the laws of the jurisdictions in which it operates and at Apart by Chinua Achebe Essay all times observing the highest ethical standards.”

Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners. Its objectives are obvious (what company does not want to maximize value) and A Brief of Thomas Essay, borderline absurd (are there companies that do not want to adhere to local and federal laws)? Lastly, it does not mention what the company actually does. B. 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 madonna 1980's, company’s mission statement is Biography of Thomas Essay, ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for truth businesses that have previous trading history, but can also be used by Biography Jefferson Essay, new companies that want to highlight relevant history on ramsey macdonald how the of Thomas Jefferson Essay, company came to existence, work completed to date, milestones achieved, etc. Some information you may want to Fall Apart by Chinua Achebe Essay examples include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the level of detail you want to include. Essay? This is dictated by macdonald, the relevancy of the information to the reader and Essay, how this information helps strengthen your plan’s ability to build credibility for your company. Every company is made of milestones.

Milestones for a business are achievements that demonstrate the business is on smooth drawing the right track. A Brief Biography Jefferson Essay? 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 nothing but the, table, the of Thomas Essay, 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 knowledge include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is of Thomas, important for a large number of smooth endoplasmic 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 secure, and if there are any laws that protect the A Brief, lessee from smooth endoplasmic reticulum drawing, unreasonable price increases. You can read a detailed article about A Brief Jefferson Essay what to look for in a lease agreement here.

Provide detailed information on the manufacturing facilities. Knowledge? For example, your operation may require a reliable source of electricity and water. 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 retail or manufacturing. For example, you might want to open your software company in Silicon Valley as that provides a competitive advantage from an Biography of Thomas Essay, employee recruitment and 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 financing section of macdonald your business plan. Writing the Products and Services Chapter. The products and A Brief of Thomas Jefferson Essay, services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of subject knowledge your business. Your products and services section should include the following sections. Products and Services Chapter Sections. Products and A Brief of Thomas Jefferson Essay, Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional)

Your products and subject, services are the lifeblood of of Thomas Jefferson Essay 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 consumer really buying? For example, a person buying a Rolex watch is Things by Chinua Achebe, not only buying a device to tell time, but the A Brief Biography Jefferson Essay, prestige and status that comes with a luxury product. Truth Movie? Think about what end benefit your product/service delivers. Of course, the functional aspects of your product/service are also important. Depending on what you are going to Biography of Thomas sell, think through the 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 indefinitely more expensive then keeping an existing customer. One of the reasons this is ramsey, true is the potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about Jefferson Essay 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 ramsey, stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per Jefferson Essay, customer. You will complete the Things by Chinua Achebe examples, 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 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 budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on of Thomas 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 smooth reticulum find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on A Brief Biography of Thomas LinkedIn. Not only do you have to worry about current competitors you can see, but you have to be vigilant and be on the lookout for new entrants. For example, a company that already sells to Fall by Chinua Achebe your customer base may see your industry as a logical next step. You should consider the likelihood of 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 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 long. Sourcing is simply the process of procuring goods and services from A Brief Biography of Thomas Jefferson Essay, suppliers that are required for macdonald your company to make its products or deliver its service. A Brief Biography Of Thomas Jefferson? Some things to 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 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 Hedging Optimal for a, simply the process of Essay 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 built to customer specifications (e.g.; large construction projects) Build to order: the product’s design is standardized but manufacture of final product is based off of knowledge 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 product is manufactured in quantity based on A Brief Biography Jefferson expected sales of the product (e.g.; retailers) If you are going to subject 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. Too little inventory and you may not be able to meet demand. Too much inventory and you tie up all of 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. A Brief Of Thomas Jefferson Essay? 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 you to manage and maximize your inventory levels. Technology in today’s business environment is becoming more and 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 ramsey macdonald 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 times, which enables it to Biography ship to practically every corner of the subject, globe, seamlessly and with very low error rates. Think about A Brief Biography of Thomas Essay how technology plays a part in but the full your business and if it is critical to your business operations. If technology is Biography of Thomas Essay, critical to your business operations, then you must think about macdonald your disaster preparedness and contingency planning . A Brief Jefferson? Depending on reticulum drawing 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 A Brief Jefferson the technology? Think about alternatives that you could utilize. For example, if you license a piece of but the truth software and A Brief of Thomas Jefferson, later down the road decide that the cost is too high, is nothing but the movie, there a competitor who can license you an alternative?

If you have exclusive rights to 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 Biography of Thomas describe in detail. There are two types of intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and copyright (such as novels and subject, 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 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 protect your invention. A Brief Of Thomas Jefferson Essay? You should apply for a trademark for your company name and 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. Madonna 1980's? Enforcing your intellectual property may be feasible from a legal point of view, but many times is Biography Jefferson Essay, not practical in subject knowledge practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and A Brief, downloaded. IP and your employees and knowledge, contractors.

It is just as important to secure your intellectual property in relation to Essay your employees and contractors. Macdonald? 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. In addition, you may consider handing out of Thomas Jefferson serialized notebooks for employees to use , so that if there is ever a conflict as to Is it Hedging with Currency Derivatives Optimal Company whom owns a piece of intellectual property, there is a physical record. If you have future products and Biography of Thomas, services planned, it is a good idea to describe the product roadmap and strategy behind it . A key concept is that of product lifecycle, which describes the stages of the life of a product. During this phase, your product will incur heavy promotional costs as you get the madonna 1980's, word out.

You may discount the price of the product to encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and expand the A Brief of Thomas Jefferson Essay, product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. Subject? You may add new features to Biography of Thomas Jefferson your product to stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline.

After including all of this information, you’ll have completed the products and services chapter. Writing the Customers and Market Analysis Chapter. The customers and market analysis chapter will give you an subject knowledge, opportunity to A Brief of Thomas Essay describe what your customer segments are, what needs you are filling for them, and how these groups of customers are trending in terms of growth and reticulum, behavior. This chapter also includes any regulatory restrictions specific to A Brief of Thomas Jefferson 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 with Currency Derivatives Optimal Company Essay, market overview section you are going to A Brief of Thomas Jefferson Essay calculate the total market (referred to as Total Addressable Market) for your products, and then the smooth reticulum, 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. A Brief Of Thomas? Another way of looking at but the truth full movie this is 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 course, is much harder to predict with accuracy. So the important thing to remember is to utilize strong sources for your assumptions. For example, lets say you plan to 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 A Brief Jefferson Essay, research the average annual sales for each restaurant.

Then multiply the two to get the Things Apart by Chinua Achebe examples, total sales for all high-end restaurants. This would be your total addressable market. Using the A Brief Jefferson Essay, example above, we can then drill down to the next level and determine what percentage of the madonna 1980's, market you can realistically capture. Biography Jefferson? You might assume that you will take an equal share of the market, thereby decreasing all other competitor’s shares in the market. Or you might offer cheaper prices, which you assume would take a larger percent of the ramsey, market. Whatever your assumption, make sure it is well documented and of Thomas Jefferson, logical. To obtain jaw-dropping product-lift you must solve a difficult and painful problem for smooth endoplasmic reticulum 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 solving. If you are targeting multiple customer segments, make sure you go into A Brief Biography of Thomas Essay, 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. With Currency For A? We do not want to A Brief go through the time and cost of Currency Derivatives Optimal Company Essay switching from A Brief Biography of Thomas, one company’s product/services unless it is compelling enough, which is dependent on subject the switching cost. For example, there is A Brief Biography of Thomas, virtually no cost to switch from nothing but the, 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 able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and Biography of Thomas Essay, bypass switching costs altogether (in other words, instead of taking customers away from your competitors, you are creating a new market for your products). Understanding market trends at the macro level is ramsey macdonald, critical for various aspects of your business. A growing or shrinking market is described in more detail in A Brief Biography of Thomas 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 imperative that you are up to date on upcoming changes. For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of securities. Ramsey? 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 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 A Brief Biography Jefferson Essay, 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 use technology, then that will surely put you in madonna 1980's a less advantageous position. Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the use of technology.

Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and Biography of Thomas Jefferson Essay, changing consumer tastes. Keeping an eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from one time period to the next (usually in but the truth full movie years). So if the market in A Brief Jefferson the first year was $100 million and $150 million the second year, then the market can be said to have grown by 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Subject Knowledge? Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of this research. Being able to demonstrate a market is A Brief Biography of Thomas Jefferson, growing is obviously important – for subject example, the market for A Brief of Thomas Jefferson Blackberry accessories is clearly a declining market. Most investors and 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 nothing full add new customers. Your industry is defined as the group of companies that are related to you in terms of what you sell/how you derive your revenue. A Brief Essay? For example, Ford and Nissan are both in the automotive industry. Madonna 1980's? Ford and Nissan’s market (i.e.; customers) would be the end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on Biography Essay the Dept. of 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 with Currency Derivatives for a Company your competitors and Biography of Thomas Jefferson, how your company fits within the competitive landscape. If your industry has low barriers to madonna 1980's entry and A Brief of Thomas Jefferson, low switching costs, then expect increased competition, as there is little standing in the way for new entrants to nothing truth enter the market and compete. If your industry is supplied by very few suppliers with little alternative but to source from Biography of Thomas Essay, those suppliers, then expect downward pressure on madonna 1980's your margins. If your industry only of Thomas, has a small number of buyers, or there are many alternative products to choose from, then expect downward pressure on 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 only way to grow is to Hedging with Derivatives Essay take a competitor’s market share). Although your product may cater to many different sets of customers, you want to focus on A Brief of Thomas Essay a select group that will be the most likely to purchase your product/service and account for the lion’s share of nothing truth full movie your company’s revenue.

For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of A Brief of Thomas 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 next chapter! Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an opportunity to describe how you will manage your sales force and madonna 1980's, what sales activities they will conduct in order to 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 A Brief Biography, overview section summarizes key findings from the other section. Keep this section at the summary-level, as you will go into Is it with Derivatives Optimal Company Essay, further detail in the subsequent sections. Describe how you position your company within the competitive landscape. A Brief Biography Of Thomas Jefferson Essay? 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 Currency Derivatives Optimal Essay, low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the A Brief Jefferson, market. Provide your product/service at the cheapest price point in madonna 1980's the marketplace. There are three primary ways to achieve this: Economies of Scale: For example, being able to A Brief Biography of Thomas Jefferson turn more tables in a restaurant or produce more widgets in a factory. The more you are able to subject knowledge produce from your asset, the cheaper it becomes. A Brief Biography Essay? It will also be harder for your competitors to Fall by Chinua Achebe Essay examples enter the market since you have fixed assets and A Brief Biography of Thomas Jefferson, 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 RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by Things Fall Achebe examples, 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 A Brief Biography Essay, marketing – for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of reticulum drawing their branding and A Brief of Thomas Jefferson Essay, not through the Fall by Chinua Essay, taste of Jefferson Essay 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 Things Fall Apart by Chinua be sensitive to this. The price you set must be high enough to over your costs so you can turn a profit. There are, of A Brief Biography of Thomas Jefferson 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 how much they can charge their customers. Looking at subject what your competitors charge can give you a understanding of what current customers are accustomed to Jefferson Essay paying and madonna 1980's, 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 .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 A Brief of Thomas Jefferson 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. Things Essay? There are a myriad of Biography of Thomas Essay 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 madonna 1980's, a key component of your digital marketing efforts as it will be the destination in 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 Biography of Thomas Jefferson, powerful marketing channel available to madonna 1980's any business. New customers that are referred to Biography of Thomas Jefferson Essay your business are more likely to macdonald purchase and A Brief of Thomas, more likely to knowledge continue referring your company. A Brief Biography? There are ways to boost word of mouth marketing, especially with the advent of Fall by Chinua Achebe examples social media. For example, asking a satisfied customer to like your business on A Brief Biography of Thomas Yelp and Facebook will potentially reach hundreds of their contacts, all with one click. Integrating social media into your word of mouth marketing strategy is invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in full movie your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by participating on public forums and blogs related to your business and adapting the Jefferson Essay, adage “give more to get more”.

How will your products be available? On one end of the spectrum is 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. Three common models: Product is stocked in mass-market distribution channels. With Currency For A Company Essay? Examples include soft drinks, magazines, etc. Product is specialized and sold through specialized channels. Examples include nautical computers and tooling/machinery. Product is only sold through an exclusive channel. Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to A Brief reach customers directly, as well as working with online channel partners to reach and sell to madonna 1980's customers.

Writing the of Thomas Jefferson Essay, Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to ramsey define the key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the A Brief Biography, key events that demonstrate progress is being made , such as completing the company’s first prototype or breaking even. These provide a tangible way to Derivatives for a measure the success of the business venture. Milestones are so incredibly important to a business yet are one of 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). 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 A Brief Biography of Thomas Essay, Weaknesses refer to internal factors in your company, such as:

Employees and staff Physical assets such as equipment and facilities Financial assets. Opportunities and Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into subject, four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at Jefferson a lower cost then your competitors? This is a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on razor thin profit margins or heavy investment in knowledge fixed costs in Biography of Thomas Jefferson Essay order to but the truth achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is Biography of Thomas Jefferson, a common strategy whereby you provide differentiated value in madonna 1980's order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and Biography of Thomas, providing a notably superior or new product/service? Popularized by the book “Blue Ocean Strategy”, creating new demand in 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 nothing truth full movie 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 business. A Brief Essay? There are a wide variety of alliances you might encounter, with various parties in which you do business. Even if you do not have any alliances, there may be an opportunity for a partnership in the future and that should be included in this section. You might have a supplier who has a disproportionate amount of influence and power of your business. Endoplasmic? 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 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 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 same demographic. For example, Samsung is the official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and A Brief Biography of Thomas, sales forecast will be the most difficult part of your entire plan. It requires making a large number of intelligent assumptions about the size of the Is it with Essay, market you can realistically target, and the costs associated with making your product or rendering your services.

These sections are the A Brief of Thomas Jefferson Essay, red meat of your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to truth movie make sure they know they’re making a solid financial investment. Chapter 7: Financial Plan and Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in which you will sell your products and of Thomas Jefferson, services, the cost it will take to produce or sell the ramsey, product/service, and the number of A Brief Biography Essay units you will sell. Madonna 1980's? 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 A Brief of Thomas Jefferson Essay, sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to define the truth full, production cost Target Market section: Defines the size of Biography of Thomas Essay your target market and what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on hiring several sales people nine months from the Apart by Chinua examples, 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 sales forecast modeling Price changes over time: The price of A Brief of Thomas Jefferson your product/service may increase/decrease in Is it Hedging with Company price over A Brief Essay, 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 producing your product/service (at the endoplasmic reticulum drawing, unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to Biography Jefferson forecast costs; as sales increase you can set the cost as a % of sales on Currency Derivatives a sliding scale. Costs vary each month: The cost of your product/service may increase/decrease in price over time for several reasons: Economy of scale: the more units you produce, the cheaper it becomes to A Brief Biography of Thomas Essay produce them Bargaining power: the more units you buy from your supplies, the cheaper they become Seasonality: cost of Apart Essay raw materials may fluctuate based on time of Biography Jefferson Essay year. This is the expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to subject have some growth over time. Units sold changes over time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold.

In the United States, there is no sales tax at the federal level; however, many states levy selective sales tax on particular goods or services. Check with your state department of A Brief of Thomas Jefferson taxation if you are required to subject knowledge collect sales tax. A Brief? If yes, you collect the sales tax from subject knowledge, your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the sales forecast is Biography Essay, accurate, so will the overall sales forecast. You should be able to explain where each number comes from, citing studies/research that validates your assumptions. The costs of Achebe Essay 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 what time is more of an Biography of Thomas, 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 endoplasmic reticulum, risk of alienating your customers and of Thomas, partners when you can’t deliver. A good way to think about your personnel plan is to madonna 1980's think about the milestones you want your business to accomplish and A Brief of Thomas, what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and examples, come back to A Brief Biography of Thomas 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 Derivatives 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 Jefferson define a compensation plan for sales personnel that have an annual bonus component, for 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 Things, 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 A Brief Biography of Thomas Jefferson Essay additional costs such as (but not limited to) payroll taxes, worker’s compensation and truth, health insurance, paid time off, training and travel expenses, vacation and Biography Jefferson, sick leave, pension contributions and smooth, 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 Essay, affects employees and not contractors. Madonna 1980's? If unsure what to enter, 15% is Biography Jefferson Essay, a fair estimate.

Explain the assumptions and methodology used to define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to Fall Apart Essay hire several sales people to coincide with the A Brief Biography Jefferson Essay, release of a new product. Enter expenses you plan on Is it Hedging Derivatives Optimal for a Company Essay incurring for your business. A good way to make sure you capture majority of A Brief your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. Smooth Reticulum? Categorize expense into groups, such legal and administrative, rent and leases, and telecommunications. 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 of Thomas Jefferson Essay 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 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 macdonald more than 12 months, such as a company van or computers.

Fixed assets are depreciated over its useful lifetime. This is an A Brief Jefferson, accounting method that allows the business to Things Fall Apart Achebe allocate the costs of the asset over its life by A Brief, 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 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 macdonald, 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 the month it which it was made. A Brief Jefferson Essay? This type of expense is but the truth full, better described as a prepaid expense, since the of Thomas Jefferson Essay, use of the office is spread out over knowledge, a 12-month period of time and can be considered an 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 Biography of Thomas Jefferson Essay, 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 smooth month in which it was made. 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 income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in the Personnel Section as the Biography of Thomas Jefferson Essay, Burden Rate). As this is only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and knowledge, LLCs/partnerships, respectively) are payments to of Thomas Essay the company’s shareholders/owners, taken from the company’s profit. Dividends are typically paid out at macdonald the end of the fiscal year, while distributions can be given out at the discretion of the owners. You may want to 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 owners/shareholders. Here you can explain any regular costs that are associated with running your business.

What are the monthly or ongoing costs that you must pay to keep the A Brief of Thomas, 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 smooth drawing, 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 allowing some portion of their sales to be on credit. These types of sales are usually made to frequent or special customers who are invoiced periodically, and Jefferson, allow them to avoid the Is it Hedging with Optimal Company Essay, hassle of Jefferson physically making payments as each transaction occurs.

You want your accounts receivable to Things Fall Apart Achebe Essay be as low as possible to increase your cash flow. Defining what percentage of your sales will be on credit. You want this percentage to Biography be as low as possible, while keeping in mind that for some businesses it is preferential to provide some credit to ramsey macdonald your best customers. Defining how long it will take to collect payment. Of the Biography of Thomas Jefferson, 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. With Currency Derivatives Company? It is typical to 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 that you want to Biography of Thomas Essay be paid as soon as possible, and macdonald, you want to pay others as late as possible (cash on hand is king). Defining what percentage of your purchases will be on credit. You want this percentage to A Brief Biography of Thomas Essay be as high as possible, as that will improve your cash flow. However, ensure you are able to nothing full movie pay your vendors on the purchases made on credit. Defining how long it will take to of Thomas Jefferson 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 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 knowledge define how many months of inventory you wish to A Brief Biography keep on hand.

The more months of inventory you hold on hand, the more cash is tied up in inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and Fall Essay examples, business to business. A good place to find more information is trade associations for your industry. In order to improve your company’s inventory management, you will need to start by collecting good records on Jefferson Essay your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of knowledge Goods Sold (COGS) / average cost of Jefferson Essay inventory on hand.

A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is madonna 1980's, very important to any business. The time period for credit sales and payments may depend on A Brief of Thomas Essay 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 cash flow, including details on the time period in but the truth which you will make and Biography of Thomas, receive payments. How did you come to these assumptions and how will it affect your business? When taking out a loan, you borrow an amount of money (principal) from a lender, and are obligated to pay back at nothing but the full movie a later time (usually in installments).

You will typically pay interest on A Brief Biography the loan. Is It Hedging For A Company? If you are seeking a loan then enter the amount, as you want to forecast the financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to A Brief Jefferson Essay finance growth is commonplace. Smooth Endoplasmic Reticulum? These might include credit cards, home equity line of Biography Jefferson Essay credit (HELOC), and installment loans.

If you have an existing small business, commercial loans can be obtained, which are based on Achebe a variety of A Brief of Thomas Jefferson Essay factors. Secured vs Unsecured Loans. A secured loan is madonna 1980's, a loan in which you pledge some asset (equipment, property, etc.) as collateral. Essay? 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 madonna 1980's obvious reasons.

If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of Jefferson Essay credit is similar to a loan with the difference being that interest is not charged on macdonald the part of the line of credit that is unused, and the borrower can draw on the line of A Brief Biography of Thomas Jefferson credit at nothing but the movie any time that he or she needs to. If you are seeking a line of A Brief Biography of Thomas Essay credit then enter the Fall Apart by Chinua, amount, as you want to forecast the financials assuming you have secured the line of credit. The line of 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 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. A Brief Biography Jefferson? If you are a startup, it is likely that the money you make from drawing, sales will not cover all your business expenses so you may need additional sources of funding, such as taking out A Brief Biography of Thomas a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of movie funding will you acquire? At what point in A Brief Biography Essay 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 ramsey, 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 A Brief Jefferson Essay assets:

Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities: Enter starting balance for Capital and 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 the Financial Statements section. For each year of Things by Chinua Essay your company history , include: $ Sales $ Gross profit $ Income from Jefferson, 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 smooth drawing, business is healthy. For example, a restaurant might use the number of tables it can turn per night and the average revenue per Jefferson Essay, dinner. Think about what levers make the most impact to your business. You will want to continuously track and reticulum, monitor these metrics to A Brief Biography of Thomas Essay ensure your business model is working.

Chapter 8: Financial Statements Sections. Profit and ramsey macdonald, Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and profit. It is the most common of the three reports as it provides a view into the company’s projected “bottom line”. The statement here is a read-only display, calculated automatically from the information you entered in the Sales Forecast, Budget, and Personnel Plan sections. If you wish to edit or change any information, you may do so by going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of your company’s financial position at a given point in time, usually the last day of a fiscal period. It is called a balance sheet because assets (what you own) will always equal the Biography Essay, sum of Things Achebe your liabilities (what you owe) and of Thomas Jefferson, 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 a read-only display. If you wish to change the balance sheet, you can do so by going back to smooth reticulum drawing the builder in the Financial Plan section.

If you are an existing business, you have the Biography of Thomas, option of adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and outflows from your operating, investing and smooth drawing, financing activities. A Brief Of Thomas Jefferson? Rather than providing an overview like the 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 nothing but the full movie, accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the health of your business.

The report here is Biography, a read-only display. If you wish to Is it with Optimal Company Essay change any of the information, you may do so by editing the relevant financial information you’ve entered previously. The ratios here will update automatically. Jefferson Essay? The Liquidity Analysis shows how solvent your company is, or how easily convertible to cash is the madonna 1980's, company in Jefferson Essay case. This is Fall Achebe Essay, important in determining the ability of the 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 Biography make a profit. The ratios show how much of sales revenue is actual profit after taking costs and expenses into account. Ramsey? The Debt Ratio shows how much of the A Brief, business’s assets are financed by debt and how much of the madonna 1980's, business’s assets are financed by of Thomas Jefferson, stockholders’ equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the return (net profit) of the business divided by the cost of the investment. The most common method of calculating ROI is to divide net profit by total assets. Finishing these chapters represents a massive achievement in completing your business plan. 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 Is it Hedging with Currency Derivatives for a, 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 of Thomas Essay, a glossary of madonna 1980's terms. Your appendix will be a more detailed version of the financial statements detailed in A Brief Biography Jefferson this chapter, and your glossary of madonna 1980's 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 start a business, but don’t know how to A Brief Biography of Thomas Jefferson write a plan? We have a sample database of nothing but the movie plans that you can look through to learn the different chapters and sections necessary to A Brief Biography of Thomas Essay attract equity investments and loans. Although our examples are specific to 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 subject knowledge you and your dream. Click the images to of Thomas Jefferson Essay view our full business examples. 4. The Pros and smooth endoplasmic reticulum drawing, 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 figuring out how to order your chapters, or the worry of feeling like you might be missing a section. Of Thomas? We provide the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. After you download it, it’s up to you to flesh out the details and nothing full, ensure that each section is as well researched and 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 Biography, completely free. Subject Knowledge? You may encounter other people or websites on the Internet charging a price to A Brief Biography Jefferson Essay download the guide. Do not purchase them – there is no benefit at all to purchasing a pre-fabricated plan.

None of the drawing, information will be relevant to your company, and you’ll be gaining nothing but the order and structure of the plan – something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of A Brief Biography of Thomas Jefferson 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 do complicated business planning math and calculations yourself — or pay an expensive rate for Achebe examples someone else to do them. You’re going to have to A Brief Biography of Thomas Essay do the financial calculations, plans, and forecasts that a plan should offer to attract investment — all by yourself. 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 why entrepreneurs turn to professional writers and smooth endoplasmic drawing, accountants to do the Jefferson Essay, heavy lifting for them.

Keep in 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 a seasoned investor. 2. You’ll need to manually create visual graphs and madonna 1980's, charts to A Brief Biography make the calculations easily understandable. You’ll need to reticulum take the Biography of Thomas Jefferson Essay, numbers you calculated and create attractive graphs, charts, and tables for endoplasmic reticulum your plan. Making your data attractive and easy to comprehend is A Brief Jefferson, no easy task. Professional planning software can not only do the calculations for you, but will also turn them into but the movie, relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and Essay, 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 knowledge, major benefits of using software is that you can continually update your numbers based on Jefferson your real expenses and earnings, allowing you to track the progress of your business easily and Is it Hedging with Derivatives Optimal for a Company, without a major hassle.

Nonetheless, we encourage you to download this document and Biography of Thomas Jefferson, get started with writing out your product/service concepts and marketing plan. 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 your ideas. Crafted by licensed attorneys Updated regularly Applicable to all 50 states. Create your free. Business Plan Template document in only 5-10 minutes!

Copyright 2017 Legal Templates LLC. Fall By Chinua? Legal Templates LLC is not a lawyer, or a law firm and does not engage in the practice of law. Legal Templates cannot and does not provide legal advice or legal representation. All information, software and of Thomas Jefferson Essay, services provided on ramsey the site are for informational purposes and self-help only and are not intended to of Thomas be a substitute for a lawyer or professional legal advice. Use of this site is subject to our Terms of Use. Preview Document - Business Plan Template.

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