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Benito Cereno and American Characteristic. 19th Century Literature Prof. Bland Typical American Character “Benito Cereno” is a work that exceedingly depicts how ideological self-delusion of an American character is one of the most dangerous capacities of mankind. Captain Delano a Yankee from “Duxbury Massachusetts” exemplifies these two American cultures of concerning nature and confidence. As Americans we have concerned and helped other less fortunate (i. e. the amount we donate to garr presentation help third world countries), we are also confident and fearless in nature that we can accomplish anything (i. e. American dream). These traditional American characteristics I believe forms the American arrogance that we are stereotyped to writing have. We maybe helping others we have no business helping. Just like the American culture Delano truly believes he is doing the right thing, by showing concern and having confidence in being able to help the San Dominick slave-ship and he is incapable of seeing the reynolds, horrifying consequences of his actions both with respect to his “friendly racism” and days, his fantasy of “superiority”. He spends a day on the San Dominick following a slave mutiny, never quite aware that anything is wrong until the truth all but bites his head off.

Delano subscribes to a typical #8220;Northern#8221; view of African slaves: he considers them to be naturally good-natured, submissive servants. Reynolds Presentation. He spends much of his time aboard the San Dominick condescendingly admiring Babo#8217;s performance. Melville critiques this naivete arrogance of superiority and friendly racism to which although these characteristic are positive if not careful, can be a barrier that blinds a person from seeing the actual situation. Writing. #8220;None wore fetters, because the owner, his friend Aranda, told him that they were all tractable#8221; (BC 224) As Delano first boards Benito#8217;s ship, the reynolds presentation, slaves are still unfettered. Essay. The ship seems unreal; these strange costumes, gestures, and garr presentation, faces, but a shadowy tableau just emerged from the deep, which directly must receive back what it gave#8221; (BC). This #8220;shadowy tableau,#8221; on the ship inhabited mostly by unregulated African slaves, roaming around freely is there for Captain Delano to essays develop his own understanding as to why this ship culture is the way it is. Having the garr presentation, traditional American character of concern, Delano in chain and effect nature is concerned about the ship and his intention of genuinely helping the troubled captain Benito Cereno becomes a curtain that prevents him from seeing the real intentions of the slaves. This trustful and concerned nature of Americans is garr one of the characters Captain Delano represents.

That an American upbringing create a perception even today that we, as a country, had a right to go around the an essay, world helping other struggling nations who were beset by tyrants or internal fighting with the attendant killing and raping of the garr, populace. This trusting and grade prompts, concerned nature makes us delusional preventing us from seeing the facts that maybe these country America is helping does not want our help. Reynolds. The same goes for captain Delano his trustful nature creates a delusion of “faithful and reaction cause, harmless slaves” that helping this slave ship and its current condition of unfettered slaves is a result of the poor management of Captain Delano’s lesser Hispanic counter Captain Benito Cereno therefore his is obliged to help to garr presentation get it under control. 10th Grade Expository Essay Prompts. This concerning nature blinds Captain Delano from seeing the truth. Before even making contact with the blacks on the ship, Delano readily stresses their good-natured and reynolds presentation, pristine qualities. These #8220;unsophisticated Africans,#8221; with their #8220;self-content#8221; and #8220;peculiar love . . . of uniting industry with pastime,#8221; (BC) bring out write on school Delano#8217;s #8220;weakness for negroes. #8221; In his understanding of them, they are a mixture of reynolds presentation, docility and nobility. Delano feels confident as he sees #8220;the affectionate zeal#8221; and chain reaction cause and effect essay, #8220;good conduct#8221; (BC) As this book reveals, Delano alternates between his images of the Africans as an garr presentation innocent faithful slaves, he completely misinterprets the slave revolt and to america narrative essay, totally neglects the blacks#8217; inner motivations. While revealing how Delano adapts these ideological images of the garr presentation, black man to fit his own understanding. This confidence from his own American upbringing and learning theories, staying in his own paradigm of slaves being kind in nature, and are submissive servants make Captain Delano a benign racist. He does not express hate for the black people; he likes them.

But his fondness of them shows in a characteristic of overconfidence or arrogance, in which that he is reynolds confident in his own knowledge that the slaves are obedient creatures, incapable of harm and completely demeaning the black slaves. He considers Babo, for instance, to be a childish slave of limited intelligence. Behavioral Learning Theories Essay. In Delano#8217;s understanding, the presentation, faithful blacks are closer to animal nature than the behavioral learning theories essay, white man is. Delano#8217;s dialogue continuously dehumanizes the slaves by attaching animal imagery to them. First, as the narrator mentions, #8220;Delano took to negroes, not philanthropically, but genially, just as other men to Newfoundland dogs#8221; (BC). When Babo looks up at reynolds Don Benito, he is #8220;like a shepherd#8217;s dog,#8221; (BC) whose grins denote #8220;mere animal humor#8221; (BC). These references and comparison to animals of the slaves becomes not to decline them as human, but instead to acknowledge them within the white community in their position as docile servants, the image of the dog, domesticated animal, is significant in this context.

At the same time, their animal reference accounts for their inability for being totally free. This show of confidence and trust completely blinds Captain Delano from the truth and maybe be seen by the majority as a weakness but this ignorance ultimately helped him from the slave revolt. Delano#8217;s trustfulness and perception that all the blacks are docile and faithful slaves and are good nature saves their lives. Delano#8217;s ignorance prevents him from discovering the truth, which would almost certainly lead him to 10th expository essay a untimely demise. Cereno conveys his surprise that Babo refrained from murdering Delano, Cereno conveys his surprise that Babo refrains from murdering Delano, #8220;to think of some things you did those smilings and chattings, rash pointings and gesturings. For less than these, they slew my mate#8221; (BC) This reinforces the fact that if Delano makes any indication of recognizing the truth, he would have been killed on the spot. Delano’s confident, arrogant and absolutely insulting demeanor and perception of reynolds, slaves being too stupid to elementary be able to formulate a revolt ultimately saves him and Benito Cereno. Garr Presentation. If Delano is not so unaware of the events encircling him and exhibits a little more suspicion, Babo would certainly have him executed.

This confidence that conveys a typical American characteristic is also part of Captain Delano’s. This confidence created a barrier that prevented him from once again seeing the truth in the situation. An arrogant demeanor that he underestimates his adversary, in which nine out of ten will completely destroy you but in this particular story turned out to be an advantage. Captain Delano’s overconfidence in writing essays his own “limited” knowledge and garr, upbringing and from his own experiences growing up, and perhaps his interaction with the black community, he views them as a lesser being forming an idea of himself as a superior or idea of white supremacy that completely limits his understanding and cannot read the gravity of the help, situation. This overconfidence in his understanding became ignorance and although I believed it helped him from garr getting killed on the ship by Babo and the slaves, is the reaction cause and effect, same overconfidence that can potentially be deadly. With the revelation of the slave revolt, we should realize that one of the presentation, main reasons Delano has been incapable of seeing through the masquerade has been his benign racism, in which that he see’s the to america essay, slaves as harmless and too stupid to come up with such an idea. Delano’s racism can be understood most directly it seems to garr reynolds be a reflection of his upbringing in a somewhat liberal Northern racism that practice anti-slavery views (it’s important to help guide remember Delano is from Massachusetts, a hotbed of garr presentation, anti-slavery activity during the period). The story suggests that Delano, like others who viewed slaves sympathetically, may have a weak recognition of the horrors of slavery and chain and effect essay, may consider himself the slaves’ friend, but such feelings depend on viewing himself as superior to the slaves and to the slaves staying in their appointed position of submission. In conclusion while Delano finds blacks utterly charming and #8220;fun-loving,#8221; fond of bright colors and of #8220;uniting industry with pastime,#8221; this #8220;admiration#8221; masks his deep-seated conviction that blacks are not entirely human.

In fact, when in the midst of trying to understand the odd occurrences on the San Dominick, it briefly occurs to garr Delano that Cereno might be in to america narrative essay league with the reynolds, blacks, he dismisses the thought with a shudder: #8220;who ever heard of a white so far a renegade as to writing apostatize from his very species almost, by leaguing in against it with Negroes? #8221; (BC). This proves once again his overconfidence in his understanding limiting him from presentation seeing the big picture that the grade expository prompts, slaves are controlling the presentation, situation. Reaction. He can never imagine that the slaves are the one who thought up the presentation, grandiose plan, that he thinks Captain Cereno is orchestrating something gainst his kin. He fails to discern that the Spanish vessel is in fact in the hold of a complex, meticulously plotted mutiny, that the slaves have successfully revolted, and that the dutiful Babo is in fact the revolutionary in chain cause essay command. Delano#8217;s trusting and overconfidence in this regard is very nearly fatal, and in a way that the text explains, and that critics have frequently described, it is reynolds his concerning, unselfconscious, absolutely stubborn ideology of slaves and creates a benign racism#8212;his offhand white supremacism#8212;that drives and sustains this ignorance. Despite his several moments of deep suspicion, is his unmoved confidence that a slave like Babo, so naturally docile, so ideally suited to those watchful and pleasant #8220;avocations about one#8217;s person,#8221; could never surpass the #8220;unaspiring contentment of a limited mind#8221; common to an essay all Africans (BC). Reynolds Presentation. The blacks in league with a piratical Cereno? #8220;But they were too stupid,#8221; Delano reminds himself (BC). Believing this, he cannot see what#8217;s before him, because of to america essay, his paradigm and views of the slaves in a northern upbringing of being sympathetically to the slaves, He is incapable of imagining the black slaves in any but a passive role of devoted and faithful servants, docile and incapable of harming their white superiors, This overconfidence is garr reynolds presentation ultimately ignorance that Delano cannot perceive the true situation on the San Dominick. Works Cited Page Melville, Herman, and Herman Melville.

Bartleby ; And, Benito Cereno. New York: Dover Publications, 1990. Print. Haven’t found what you want? 12-22 Newhall St, Birmingham B3 3AS, UK [emailprotected] Hi there, would you like to grade expository get such a paper? How about receiving a customized one?

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Macroeconomic Analysis Essay Sample. Deciding to start a business is brave and adventurous. The first step to success is a brilliant, viable, profitable idea. Whether you have decided to do it on your own because you are tired of working for someone else, or you are laid off after many years in your organization, before you decide to invest your life savings and get buried in debt, consider the big picture, the current economy, your demographic target consumer and do your research. The idea of solar energy is one such brilliant, viable idea. True the demand is present for such energy, but before taking the leap, consider the market saturation, competition, governmental rules and regulations and other determent factor that will influence the success of reynolds your venture.

The American Economy. Annual percentage growth rate of GDP at market prices based on constant local currency. Aggregates are based on constant 2005 U.S. dollars. GDP is the sum of gross value added by all resident producers in the economy plus any product taxes and minus any subsidies not included in the value of the products. It is calculated without making deductions for depreciation of fabricated assets or for depletion and degradation of natural resources. The United Stated economy and those of other high income economies are expected to grow by 1.9 percent in grade expository essay, 2014, accelerating to 2.4 percent in 2015 and 2.5 percent in reynolds, 2016.

The Euro Area is on target to grow by 1.1 percent this year, while the United States economy, which contracted in the first quarter due to severe weather, is expected to grow by 2.1 percent this year (down from the previous forecast of 2.8 percent). The global economy is expected to pick up speed as the chain reaction cause, year progresses and is projected to expand by garr reynolds presentation 2.8 percent this year, strengthening to 3.4 and 3.5 percent in 2015 and essays elementary 2016, respectively. High-income economies will contribute about half of global growth in 2015 and 2016. (Bank, 2014) As you can see, the economic forecast for the United States is forecasted to rise over the next several years. Market saturation is a situation in which a product has become diffused (distributed) within a market; the actual level of saturation can depend on consumer purchasing power; as well as competition, prices, and technology. (Investopedia, 2014) When a product of garr reynolds service is first introduces, the goal is to get in on the ground floor of the idea, before competition enters the market. Most competitors will enter the market and create that same or similar product, good or service with the thought process of making a profit. To America Narrative Essay? The problem may be the market you are targeting is saturated the product, good or service. This will cause decrease demand for your product, and a reduction in in profit, if any after paying your overhead. Unless you have the garr presentation, ability to enhance the product and somehow reinvent or upgrade it at a minimal cost to your business overhead while making it affordable for the consumer, you may find your product will not be in demand.

You will be fighting to sell in a saturated market. The value of your product will be reduced. When you consider your consumer market, let look at the current solar market in the United States and market saturation. GDP Target Markets. The United States the top solar states for total power capacity per capita and the top U.S. solar per capita and new solar power capacity are Arizona, Hawaii, Nevada, New Jersey and California.

The largest populous state is California that seems to have the largest total solar power capacity, new solar power capacity in cause and effect essay, the year 2012. Garr Presentation? The California market will prove to be a good area to market solar panel installation. California has become one of the largest solar energy markets in the United States due to incentives the to america essay, state offers for installation of solar panel on roofs of homes and garr businesses. In addition, government subsidies help to fund installation projects. Choosing to do business in this region will be very competitive, but it seem there is still opportunity in these states. (Wang, 2013)

International trade is another option to consider when looking into marketing a product. Solar energy is a resource that can be utilized by any nation willing to invest in this natural resource. According to the research attained from the on school days, EPIA’s 2012 Photovoltaic Barometer report, and data attained from garr, population numbers from Internet World Stats (IWS) and the GDP numbers come from the International Monetary Fund (IMF), the top countries that utilize solar energy Sources are Germany, Italy and Belgium, (Shahan, 2013) whereas the top counties that trade with the United States are Canada, China Mexico Japan Germany and the United Kingdom. (Wikipedia, 2012) Considering the international market would open up additional opportunity to expand your target market. The countries that the United States trade the most with still have demand for solar energy. Another important factor to consider when starting a business is the “business cycle.” The business cycle is the fluctuations in essay prompts, economic activity that an economy will experience over a period of presentation time. We have experience may business cycles in the United States. We refer to them as expansions and recessions. In an expansions, the economic outlook is good and growth happens, without inflation.

Recessions are when the economy is shrinking and the determination factors for a recession include unemployment, low industry production, decrease sales and lower incomes. Help? Since 1854, The United States has experienced 33 business cycles. Each consisting of expansions and garr presentation recessions. (The National Bureau of Economic Research, 2014) The business cycle peaked in late December 2004, and headed downward through January 2006. Presentation Guide? Increase global economic confidence caused rise in 2007. The cycle continues to garr reynolds presentation, lower and writing essays raise on a steady basis with 2015 looking very positive. (Now and the Future, 2014) Unemployment is a major determinate factor on the success of reynolds a new business venture to presentation help, the impact unemployment has on presentation the economy. Behavioral And Social Theories? Unemployment rate is defined as the percentage of the labor force that is unemployed. The unemployment rate measures the percentage of the labor force that is unemployed: Determining the garr, labor force is essential to estimate the unemployment rate in the United States.

The labor force is defined as the to america narrative, percentage of the working-age population in the labor force. The labor force participation rate is important because it determines the amount of labor that will be available to the economy from a given population. The higher the labor force participation rate, the more labor that will be available and the higher a country’s levels of GDP and GDP per person. (Glenn 643-646) When economic uncertainty exist, manufacturers cancel new investments and freeze the hiring process. Uncertainty in the economy harms economic activity, with effects similar to a decline in aggregate demand. Garr Reynolds? Companies cut back on spending which causes unemployment to guide, rise. When unemployment rises, there is garr reynolds presentation, a reduction in output. (United States Department of Labor, 2014) Heightened uncertainty lowers economic activity and writing essays inflation, and thus operates like a fall in aggregate demand. During the Great Recession and reynolds presentation recovery, we estimate that higher uncertainty has boosted the unemployment rate by at least one percentage point. Policymakers typically try to mitigate uncertainty’s adverse economic effects by lowering nominal interest rates. However, in writing essays, the recession and recovery, nominal interest rates have been near zero and couldn’t be lowered further.

As a consequence, high uncertainty has been a greater drag on economic activity in the Great Recession and reynolds recovery than in previous recessions. There is a close relationship between unemployment and an essay on school inflation. As more people work the garr reynolds, national output increases, causing wages to increase, causing consumers to have more money and to spend more, resulting in consumers demanding more goods and services, finally causing the reaction cause, prices of goods and services to increase. Reynolds Presentation? This means that unemployment and prompts inflation share an inverse relationship: inflation rises as unemployment falls, and inflation falls as unemployment rises. In this day and age, many countries depend on each other and garr if one economy suffers, somehow there is an chain reaction cause essay, effect on another country.

Whether the effects are from a political event or the preference of one currency over another. The United States has a trading relationship with many other nations. Reynolds Presentation? There has been an increase in the amount of good imported into the United States over the years, in addition to many goods from the United States that are exported to other nations. To regulate the international trade process, there are polices that promote and restrict the growth ot imports and exports which has an effect on the United States economy. Trade barrier exist that may hinder international trade. One of these barriers is writing elementary, tariffs and quotas. Trade barrier are often put into place during recessions, or when national unemployment rates are on the rise, or faced with competition from foreign companies, the government will but trade barriers in place to protect the industry to reynolds, preserve the economy. When participating in international trade, currency plays a major role in the process. The value of currency rises and falls according to narrative essay, supply and demand. In addition, changes in preferences for goods and services in reynolds presentation, other countries reflects on the supply and demand for different national currencies. To America Essay? A nation’s currency value is influenced by prices of goods and services in garr presentation, the country, the nation’s inflation rate, interest rates and grade prompts the amount of investment opportunities.

The cost of United States investments rise as when the American dollar trades at a higher value that other national currency. On the other hand, if the supply of dollars on the exchange market increased faster than the demand, the value of the US dollar will depreciate and look weak against other currencies. As of today the exchange rate for one US dollar is garr reynolds, highest exchange value is the Japanese’s yen. The value of the currency fluctuates according to that nation’s economy. Currently the US dollar is exchanging at a favorable values. (Oanda, 2014) Monetary Policy and Interest Rates. On a short term basis, monetary policy influences inflation and the economy demand for goods and services. Elementary? During normal times, the Federal Reserve has a large influence over the financial conditions by adjusting the rate banks charge each other for short term loans. Presentation? In addition to writing, the banks benefiting, this low interest benefit is passed on to the households and firms. The goal is to reynolds presentation, influence firm and household borrowing.

Short term loans are more attractive and borrowers feel as if they need to act to lock in the lower interest rate. When short term and long term interest rates decrease, it is cheaper to borrow, the consumer borrow and purchases goods and presentation help guide services, which helps firms justify hiring and increasing the workforce, which boost production. It is interesting to note that the monetary policy influence is not instant and often does not appear immediately, do to measure the effects of the monetary policy on the economy can be difficult to predict. Monetary policy has a considerable significance on inflation. Federal fund rate reductions result in increased demand for good and serviced and results in a wage and elevated cost, meaning a push for demand for workers and materials to increase production.

Predictions can be made for the future of the economy, including predictions on price and wages when monetary policy is used and those expectations also influence the current inflation rate. The most recent monetary influence happened in 2008 when short term interest rates were at zero. When interest rates are at zero, they are unable to fall any lower, therefore the Federal Reserve decided to support the economy by purchasing long term mortgage backed securities in addition to notes issued by certain government-sponsored enterprise and long term Treasury bonds and notes. The goal was to lower the reynolds, level of longer term interest rates with hopes of improving financial conditions. Although considered non-traditional, this monetary policy measures where implemented through the same path as traditional policy. (Francisco, 2004) Fiscal Policy and Unemployment. Fiscal policy is the means by grade prompts which a government adjusts its spending levels and tax rates to monitor and influence a nation’s economy. It is the sister strategy to monetary policy through which a central bank influences a nation’s money supply. (Heakal, 2014) The government takes measures to influence the economy by adjusting tax levels up or down.

The overall goal is to contain inflation and decrease the unemployment rate and keep a blooming value on the US dollar. Recent government intervention and influence on the US economy with fiscal policy is the American Taxpayer Relief Act of 2012. This act of influence was a move to increase tax rates and cut government spending. Government spending contributes to the deficit. The federal government budget deficit has fallen sharply in recent years?from almost 12 percent of GDP in 2009 to less than 7 percent in reynolds presentation, 2012. And recent budget reports show that the write, deficit is shrinking faster than expected only a few months ago, to a projected 4? percent of GDP for the current fiscal year, which ends September 30. Plus, health care cost growth has slowed down dramatically since the Great Recession, alleviating the pressure on public health care programs at least temporarily. (Igan, 2013) Deficit reduction is the primary goal of fiscal policy. Presentation? It is believed that a lower deficit will reduce government borrowing which will have an 10th grade expository essay prompts, effect on interest rates. Garr? As we learned, lower interest rates stimulate household and firm confidence and borrowing power. Firms will hire workers to keep up the demand for behavioral learning, goods and services, therefore reducing unemployment. The government performs a balancing act when attempting to maintain tax rates and public spending.

If the balance tilts too far in one direction, inflation will rise or if the shift is too far in the opposite direction the garr presentation, value the dollar decrease. Due to this ongoing balancing act the presentation help, government does use fiscal policy to curve inflation by application of brakes to the economy by garr increasing taxes to decrease the amount of money flowing into the economy. Government spending is also reduced which decreases the amount of money in circulation. On School? The outcome of this fiscal policy application means a slow economy, increased unemployment. Nothing says economic confidence than a personal investment. By investing your personal savings to start a business in addition to borrowing helps the economy recover.

Thank advantage of garr reynolds presentation tax an interest benefits serves to attract small business starts. According to the Biz2Credit Small Business Lending Index, the small business loan approval rates at big banks ($10 billion+ in assets) increased 17.6% in December 2013 from 17.4%. Further, in a year-to-year comparison, lending approval rates at big banks have increased nearly 20%. The recession of affected small business owners in 2009 -2010, however, the 2011 – 2013 banks are confident and are lending to potential borrowers. As a female business owner, it is essential to do your due diligence in researching the best start up opportunities such as borrowing method, institution, market and chances for success. We have learned that the market you target can be national or international, therefore there are many opportunities for success in that arena. Starting up is the chain reaction, hardest part. According to Biz2Credit,the The Top 25 metro areas by annual revenue were: Jacksonville, FL; Charlotte-Concord-Gastonia, NC-SC; Chicago, IL-IN-WI; Denver, CO; Pittsburgh, PA; Atlanta GA; Los-Angeles-Long Beach-Anaheim, CA; Las Vegas, NV; Dallas-Fort Worth, TX and presentation San Francisco-Oakland CA. Consideration of start up in these locations will provide a good chance of behavioral learning theories business success. Consideration of the reynolds, annual revenue of t the demographic area will help estimate the success of the to america, overall economy of your city and the viability of your new blooming business. If you choose to borrow funds, consideration of the garr reynolds presentation, credit score of your demographic area is presentation help guide, essential as well.

When sorted by garr reynolds Credit Score, Portland was the leader. Rounding out the writing elementary, Top 25 were Denver, San Francisco-Oakland, Los Angeles-Long Beach-Anaheim, Las Vegas, New York metro, Chicago, Pittsburgh, Indianapolis, and Seattle. (Biz2Credit, 2014) Recommendations and Economic Justification. The decision to venture out and garr reynolds presentation be a business owner is one that required considerable thought and planning. Knowing when to get into 10th grade expository, the market as a small business owner is essential. Having a strong understanding of the national and international economy is essential in order to make intelligent informed decision. Presentation? Understanding how business cycles work, and the ability to identify a time of expansions and recession will help you identify the narrative, best time to reynolds presentation, go forward with your venture. Understanding how monetary and fiscal policies can affect the timing and the length of each business cycle will help you choose a most beneficial time. Write An Essay On School? During a time of reynolds expansion the economy will grow, causing an influx of business and job growth.

This is the recommend time to jump into the market. Knowing that all cycles must peak, the Federal Government will intervene and attempt to slow down this growth by increasing interest rates to stop inflation. Knowing this slowdown will cause the economy to slow down, prepare your business to weather this storm. Business demand is driven by increasing the income and consumption taxes which directly reflects on reaction the amount of disposable income which slows down business activity. Understanding your market and reynolds effectively reaching your consumer with goods and services that are in demand is a determinate factor in for your business success. The correct demographic area to write, implement your startup venture is key to success. Researching other small business success, longevity is essential to choosing the correct location. In addition, ensuring you are not marketing a product that is garr reynolds, currently saturated by competition is another factor of importance. Solar energy is a resource that is very popular. An Essay Days? The competition in this area is presentation, stiff, but I foresee opportunity in this area a business. The solar power panel industry has overcome a low and is now booming again.

There was an presentation guide, oversupply of reynolds presentation panels which caused prices to drop, making solar power panels competitive which increased the overall demand. Installations are expected to grade, increase. Reynolds Presentation? Having a keen understanding of the solar power panel manufactures will help provide strategic planning. Bank, T. W. (2014, June 01). Global Economic Prospects. Retrieved from Shifting priorities; building for the future: Biz2Credit. (2014). Knowledge Center . Retrieved from write an essay, Research Reports: Francisco, F. R. (2004, February 06). U.S.

Monetary Policy: An Introduction. Retrieved from How does monetary policy affect the U.S. economy?: Heakal, R. (2014). Investopedia. Retrieved from What is Fiscal Policy: Igan, D. (2013, July 30). iMFdirect. Retrieved from U.S. Fiscal Policy: A Tough Balancing Act : Investopedia. (2014, December 3). Market Saturation. Retrieved from. Is this the perfect essay for you?

Save time and order Macroeconomic Analysis. essay editing for only $13.9 per page. Top grades and quality guaranteed! Relevant essay suggestions for Macroeconomic Analysis. Explain the Government’s various macroeconomic objectives and their importance to garr reynolds, UK economy. Help Guide? Is it possible for government to achieve all these objectives at the same time? 1. Define macro economics (Compare… Macroeconomic Impact on Business Operations. This paper will address the garr reynolds, how the monetary policy has an and social theories, impact on garr presentation the factors of and social learning essay macroeconomics, such as gross domestic product (GDP), interest rates, inflation, and unemployment. According to… An Analysis of Macroeconomic in reynolds presentation, Singapore.

This paper is to assess a country’s current macroeconomic position and discuss what policy options have been adopted by the monetary and fiscal authorities in the past years in order… Macroeconomic Impact on Business Operations. Macroeconomics explores trends in the national economy as a whole considering the study of the sum of theories essay individual economic factors. Industry is affected by presentation factors such as GDP, unemployment, inflation,… ?How does Federal Reserve Control the Money Supply? Federal Reserve or simply “the Fed” is an to america, independent entity whose main goal is to provide the nation with a safer, more flexible, and more stable monetary and financial system….

Macroeconomic #038; Industry Analysis. Macro EconomicAnalysis Worldwide economic turmoil spread in 2007 as a result of the Global Financial Crisis (GFC), with its effects continuing to be felt by many industries and garr reynolds presentation economies, and…

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Oracle E-Business Suite R12 Certification Series: Overview. As you may have noticed on garr reynolds presentation, our website, we have now have a great number of new certifications for Oracle E-Business Suite R12. From apps DBAs to presentation help guide, sys admins to apps consultants, Oracle has invested a tremendous amount of reynolds, support behind those of you working with this comprehensive suite of integrated, global business applications. If you've been seeing various staggered announcements in your inbox and wish you could just get a birds-eye view, well here it is. What certifications are available? To keep it short and simple, here's the list: So there you have it - seven new R12 certifications; all but one are Oracle Certified Expert (OCE) designations, with the exception being the prompts Applications Database Administrator which is an Oracle Certified Professional (OCP) designation. Calling all beta participants. Right now you have an reynolds, opportunity to take many of these exams at a significant discount while they are in beta. We'll talk more about beta exams in a later post - but for now, be aware that this is 10th grade prompts, a short window of opportunity for you, and we hope that you will take advantage of it. Click on the tracks above to presentation, find out which track exams are currently available in beta.

Summary list - EBS R12 Certification Exams Currently In Beta: Oracle E-Business Suite R12: System Administration (1Z1-206) - beta ends 01 Dec 2008 Oracle E-Business Suite R12: General Ledger and Payables Fundamentals (1Z1-215) - beta ends 01 Dec 2008 Oracle E-Business Suite R12: General Ledger and Receivables Fundamentals (1Z1-216) - beta ends 01 Dec 2008 Oracle E-Business Suite R12: Inventory and Purchasing Fundamentals (1Z1-225) - beta ends 01 Dec 2008 Oracle E-Business Suite R12: Inventory and Order Management Fundamentals (1Z1-226) - beta ends 01 Dec 2008 Oracle E-Business Suite R12: Install, Patch and Maintain Applications (1Z1-238) - beta ends 31 Oct 2008 Oracle E-Business Suite R12: Advanced Supply Chain Management (1Z1-244) - beta ends 01 Dec 2008. | Director, Oracle Certification. On behalf of all certification candidates worldwide, thanks once again! I had 10g OCP for DBA.

I want to attend the exam 1Z1-238 Oracle EBS R12: Install, Patch and Maintain Applications, to get the R12 Application DBA. I am 11i APPS DBA. Cause And Effect Essay? Can u please tell me how to find training notes for garr reynolds presentation this exams ? Is there any training available for this ? Thanks in advance. This is sanat. Behavioral And Social Learning Essay? i am a ocp certified professional in developer track.i am interested in oracle apps technical consultant certification.could you please suggest me how to be certified in oracle apps technical consultant exam. I already had passed 1z0-204, I have plan to go for Oracle E-Business Suite R12 Supply Chain Certified Expert Consultant, Purchasing (OCE) and reynolds Oracle E-Business Suite R12 Supply Chain Certified Expert Consultant, Order Management (OCE). I want to chain and effect essay, appear in live exam. Please confirm that beta is closing on garr, 31-Jan-2008 and it will be live from 1-Feb-2008. There is some good helpful information here about chain cause and effect essay, Oracle beta exams. We have this integration project. Garr Reynolds? Will it be possible to narrative, import the data that we have in reynolds, oracle 11g to R12.

Is there any certification for Oracle HRMS , Payroll ,OLM and Ireq? I am oracle apps hrms technical developer.Can you guide me on writing essays elementary, any certification for oracle apps technical consultant or any on HRMS. i want to do certification in R-12 functional modules, and to become a functional consultant in the market so kindly tell me that how can i get the garr presentation material for the preparation of papers. as well as, kinkly guide me the procedure to do this also. I am Oracle apps technical consultant with 6 years of experience. Write An Essay On School Days? Please guide me on the certifications that I can do to garr, improve my profile and be able to represent my self better as a techno functional consultant. Thanks in Advance. I have 6+ years of oracle apps technical experience.

I am interested in going for some certifications in chain reaction and effect, R12 . Reynolds? Please guide me through some offerings which suits my profile (both technical as well as function certifications ).In future I want to and social theories, represent myself as R12 techno functional so what certifications can be helpful to reynolds, achieve this. Your guidance is highly appreciated. I am HCM Functional Consultant. I would like to know if Oracle HRMS Certifications are available. Please send the information at Please someone can let me know what certification should I do and how. So, what I learn that there are not certifications for Oracle Apps HRMS?

If they are, would appreciate any suggestions. I am OCP and working in Banking product as techno functional .I m more interested in behavioral and social learning essay, Oracle R12 Financial. Please any one tell me which course i should preferred and career purpose R12 is good ? Recently I am passed 1z0-215 exam and couple of reynolds presentation, exam going to write in couple of week and advise to me I can put R12e-business Certification logo on writing, my resume. Kindly Advise to me in this regards. Once you have completed a certification path and been awarded the presentation certification, you will see this credential in your profile at An Essay On School? When the certification has been granted to you, you will also be able to download the garr reynolds logos from I have 13 years of grade, IT experience out of garr, which 6 years as Oracle Apps Technical. I am planning to appear for OCP but not sure of chain, exam codes.

Below is my skill set for which i want to garr reynolds, appear for presentation guide OCP: SQL part,PL/SQL part,Forms,Reports,XML publisher Reports,Discoverer Reports (Admin Desktop)(10g),Oracle Applications Technical(R12). Please advise exam numbers/codes to be appeared to my mail id: Thanks in advance. Thank you for your interest in Oracle Certification. The best place for you to start gathering the information you will need is on our website at Here you will be able to find the garr reynolds available certifications as well as certification requirements, including exam codes, etc. . .If you have further questions after reviewing the help guide Oracle Certification website, please feel free to garr reynolds, contact Oracle Certification Support at

Thank you in advance for your reply. Hi.I have done 1Z0-226 Oracle EBS R12: Inventory and Order. The 1Z0-226 exam is one step in the certification path to E-Business Suite R12 Supply Chain Certified Expert Consultant, Order Management. However, you will not receive a certificate after passing only this exam. If you have only passed this exam, you are not certified yet. You must complete the path by passing also the 1Z0-204 exam, completing a training course and expository essay prompts the course submission form. You can view the full certification path on reynolds presentation, our website here

Question- I took the course R12.x Oracle Financials New Features Fundamentals. Can I use this course as the required exam for 10th grade expository essay R12 Supply Chain Managmenent Expert Track. Also which books is to garr reynolds, be referred for presentation help guide R12 Supply Chain Management Expert Track. You can find a list of courses that count toward the training requirement for the R12 Financials certifications on our website here Oracle does not endorse specific 3rd party books for exam prep, but you can post this question on reynolds presentation, our Certification Forum and you will probably get some feedback. I am planning for R12 Financials Certified Expert Consultant, Payables certification. My question is do i need to moving to america narrative, take all 3 courses(Live or instructor led) in order to garr, complete course submission form andget certification? I'm a HRMS functional consultant, I would like to help, know do oracle have any certifications available for HRMS functional consultants..

Quick response is appreciated.. Hi, I am planing for R12 HRMS certification. Reynolds? I am from theories essay recruitment backround with 4 yrs of exp. How is the opporutnity level for me if I complete my certification? Manohar, KPIT Cummins. We wish you the best with your certification path! I am an HR professional. I am looking for Oracle certification in HRMS. Reynolds? I have 6 years ofexperience in HR.

Could you suggest the best suited certification. You should also pose this question to your peers on the Certification Forum The community there usually has great feedback. I am a sales and Marketing profession in a leading training industry. Doing this Oracle- E Business suite certification will help in my domain. If so, could someone suggest me out the best suitable program in Oracle. I am a Manager working in Finanace and Accounting process in moving narrative essay, BPO Industry for an external Client. I have good experience(07 years) in General ledger , Fixed Assets and Financial Reporting processes. Can you please let me know about the career opportunities, if I do Oracle Financial Certification. Thank you.

I want to garr reynolds, complete oracle financial certification. Can you please let me know what all certification are available for oracle financial module what is the requirement to complete and 10th expository essay enroll for those certification and also from where I can enroll. Good luck with your certification path! I am an Oracle Certified Specialist:Payables, I want to complete the expert track and for that I have to pass the GL exam. My question is, does oracle exempt you from the hands-on training requirement if you are on the partner network. My company is on the OPN. Garr Presentation? If I get my own OPN ID, will I be exempt from the hands-on training requirement?

You can find training centers on our website at You can contact Oracle's training partners to find out their training schedules. You can find OU training schedules on the OU website at You can find testing centers and chain and effect essay schedule your test at reynolds presentation You can find recommended training on our website at I hope this helps. I am confused a little bit about the certification exams. Moving To America? I already took 1Z0-204 exam.

I was planning to garr reynolds presentation, take 1Z0-215 for Payables and 1Z0-216 for Receivables. Now I see 1Z0-516, 517, 518 for GL, AP, and AR respectively, which are not paired with any other exam and chain reaction cause and effect also do not require any Oracle course. Can you please enlighten me as to what path I should take? I have been an Oracle Financials Functional consultant for past 5 years. Thanks in advance, You can go to and select 'Applications' at presentation #2, select 'Oracle E-business Suite' at #3 and you will see all the R12 Oracle E-business Suite certifications available. You can have a look at guide the available certifications and if you click on one, you will be taken to a page that provides the requirements. There is no single exam that will cover all the areas of garr reynolds, interest that you mention above. Often there is not a single exam for a certification as well - there may be multiple exams plus training required.

Have a look through the moving website to evaluate the path(s) you wish to follow. I appreciate your help in advance. Thanks in reynolds, advance, There is no mandatory training for this certification. You can find the presentation help Certification path on garr, our website Thanks for your reply. This means if i clear 1z0-521 then would be Oracle Certified Expert. Am i right? Thanks and regards. Not exactly.

When you pass the exam, you will become Oracle E-Business Suite 12 Supply Chain Certified Implementation Specialist: Oracle Order Management - Oracle Certified Specialist, not Oracle Certified Expert. We are in essays, the midst of looking for garr presentation potential Oracle e-business financial/technical consultant. Is Oracle E-Business Suite 12 Supply Chain Certified Implementation Specialist: Oracle Order Management Only for and social learning theories OPN Partner. Can be taken by garr, indiviual from a Manufacturing Sector IT Department? Thanks and an essay on school days regards.

I am oracle forms / report expert and garr reynolds working with those technologies for over 10 years. I am also OCA 10g Developer. I am planning to top up my skill set with financial. I can't decide where to start from. Should I start with GL or AP or AR first, keeping in help guide, mind my limited knowledge to Accounting business. Any suggestion will be a great help.

@Pmehta, The certification can be obtained by anyone. You do not have to be a member of a partner organization. @Ghulam, you may want to pose this question on our Certification Forum Hi, i want to know is it compulsory that oracle financials education should be get from oracle recognised institute. My friend told me oracle do not allow to give exams if your education and training is not from reynolds oracle recognised institute. Can you please suggest, what kind of initial certification can help me move my career in above said direction. I am in a process of transitioning my career from business world to Oracle.

I have more than 6 months of experience in working as R12 System Integrator in a very huge co. in chain cause essay, bay area. I want to garr reynolds, become EBS security expert . I need to what certification should I do to essays elementary, attain that? Your info will be very beneficial for my career. Hi, I am an MBA Finance having 3 years of work experience as oracle and developer and credit manager.Planning to change working domain .Which Oracle financial certification do you suggest if i want join as Functional Consultant please suggest. To answer both questions above, you should have a look at our website, and reynolds presentation see what relevant certifications are available. You can find out what a job role under each certification would look like by reviewing the reaction exam topics for the required exams. Reynolds Presentation? This will give you the best picture of which certification would likely be best for you.

Are there any certifications available for and social learning theories essay oracle i modules like iProcurement, iSuppliers etc. Thanks in garr presentation, advance. Can u please suggest me which certification I should do to write on school days, make my self. As a functional consultant I have an reynolds presentation, idea of Inventory and Oracle configurator and BOM purchasing so which way would be the best. Good luck with your certification path.

Hi , I am oracle apps hrms oracle functional analyst.Can you guide me on any certification for oracle apps oracle functional analyst or any on HRMS. I am an oracle professional having more than years of writing essays elementary, Oracle Development experience using Oracle Developer 6i. I want to switch to EBS Technical. Can you please guide which certification should i go for? I have no background of garr reynolds, HR or Financial. Good luck on your career change.

I am having total 12 years of work experience in Oracle financials , have also attended bootcamp for moving to america narrative essay R12 too from oracle Bangalore, have done 8 implementations in all the reynolds presentation oracle financial modules. I was in TCS for 9 years. I recently resigned TCS. Could you guide me how to proceed with certifications without undertaking any trainings as I have implementation experience. From the track page (the page that shows the requirements), you can click on the exam title to be taken to a page where you can review the exam topics. From the requirements page, you can click on the exam title.

This will take you to a page that provides the chain reaction cause essay exam details - passing score, number of garr reynolds, questions, cost of exam, recommended training, exam topics, etc. I hope this helps. I want to appear for moving narrative essay Oracle Inventory and WMS exam kindly let me know for this I can do by self study or need to do training from certified center also please send me both papers number. Training is not required for reynolds these certifications, but is strongly recommended. However, you can prepare through self-study. I want to do the certification on writing essays elementary, Oracle App Financial Module. I want to proceed with R12 certifications in supply chain management-Order management.

Hi Vaibhav and Spoorthi, you can find a list of all available certifications on garr reynolds presentation, our website Once you find a certification you wish to pursue, you can click on the link and help guide be taken to a page where you will see the requirements to become certified. From that page, you can click on the exam link and find the reynolds presentation cost, registration information and exam topics. I am having 8 years of IT experience in writing essays elementary, Oracle ERP, PL/SQL, UNIX. I want to garr reynolds presentation, top up my skills into Oracle EBS R12 Financials and want to move to writing, a Functional Consultant Role. Please suggest what course or syllabus ( Along with Certifications) do I need follow to achieve the same. Thanks in advance. You could also post this question on the Oracle Certification Fourm to garr reynolds, get feedback from your peers in the field. Can You Suggest any Material for 'Oracle E-Business Suite R12.1 Payables Essentials 1Z0-517'. I suggest that you have a look at the Oracle website to an essay on school days, see what certifications are available Garr Presentation? Click on the certification title to see the certification requirements.

Click on the exam title in the certification requirements to write days, see the cost of the exam in local currency. I am oracle apps Technical having experience of garr presentation, 5 years, worked on write days, all finance modules i.e. Garr Reynolds? GL, AP, AR etc. Please suggest me exam for certification. I have done graduation. from last 8 years i am working with oracle finance module ( 3 years AP 5 years order management/receivables.)since i am end user in oracle i want to behavioral and social theories, change my line as a functional consultant. I request you to reynolds presentation, suggest the RT12 course which helps for my career.

You can have a look at all availble certifications on our website at Behavioral And Social Learning? Take a look at what certifications are available in Ebusiness Suite R12. This will help you determine which certification may be best for you. I am Kishor Varsani from Pune (India). I would interest in Oracle Functional Training in Pune India, hence anyone could you please help me to share the information/contact details for garr the Institutes or coaching classes.

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an essay on my life We write papers to make our customers pleased. Choose from a wide range of academic writing tasks and get the one you need. Garr Reynolds! One of the most popular essay topic among students is #8220;Essay about Life#8221; where every student tries to describe his/her life, problems, priorities and writing elementary, outlooks. To write a good essay about life one should be able to reflect a little, to release his/her mind from other thoughts and to start writing an essay on garr presentation, life. Here#8217;s a sample essay about life written by one of our professional essay writers: #8220;Life is beautiful and yet life is not a bed of roses. Though it is full of essay, ups and downs it has many facets of blessings and successes.

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No wonder an adage says, “Where there is life, there is hope.” The will to succeed or fail lies within an individual jurisdiction. You can live life to the fullest with utmost satisfaction and fulfillment if you determine with all your mind, body and soul to succeed. On the other hand, life can be miserable to you if you take everything for granted and reynolds, wait on fate to play itself out. Setting of goals and expository, strategic plans that will strive no matter the reynolds presentation odds which may move against you is one of the and effect essay basic things needed to get the reynolds best out of life. These goals which must be result oriented, should be followed up consistently even if things seem blurred or unyielding at first.

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

Click the buttons below to download (1) a blank document, and (2) a document that is filled in for you to reference. Related Business Documents: Click to View. What’s included in the blank template: In the first download, you will find documents with all of the chapters, section titles, and section subtitles that you will need to successfully complete your plan. To America Narrative Essay? 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 presentation, essentially your hook to convince potential financiers that your model is worthy of presentation help, their investment. Chapter 2: Company and Financing: In this chapter, the goal is to garr presentation, outline the legal and operational structure of help guide, 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 Services: This section describes what products and/or services your business will sell (now and in the future), and reynolds 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 writing essays elementary Market Analysis: The customers and garr market analysis page indicates your target customer segments, what needs you are filling for essays 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 presentation, 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 Implementation: This chapter will give you an essay, opportunity to set the garr presentation, key milestones that help establish a timeline of an essay on school, progress towards your goals. Additionally, it includes subsections like SWOT analysis, competitive edge, and garr reynolds presentation strategic alliances. Presentation Help? 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 garr reynolds, your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and more. If you are purchasing an existing company, you should also include the business purchase agreement in your plan. What’s included in the template with sample text: In the second download, we give you a completed ice cream shop plan to reference.

Each section gives an example of what you should write. Our guide also includes example graphs and write an essay 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 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 reynolds presentation no cost, so feel free to start your download and get started. However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to your company’s success. A solid plan is necessary to essay, help found your company and reynolds ensure that your goals remain on track over 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 grade, attract investment and expand your company beyond the limits you’ve already reached. Your business strategy should account for the next 3-5 years in advance, and cover every aspect of garr presentation, 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 writing, read a how-to guide for each chapter: “How to Write a Business Plan” Table of Contents: How to Write the reynolds presentation, Executive Summary. The executive summary contains all of the essential information about what makes your business strong and worthy of investment . It covers the guide, major highlights of the rest of your plan’s chapters. The goal is to garr reynolds presentation, briefly tell your reader what your company will do, where you want to take it, and chain reaction essay 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 your business plan, though it’s actually the last section that you should write . First, you’ll need to reynolds presentation, do heavy research to ensure that your plan is essays elementary, sound before you can write the executive summary. This section will be different depending on if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and reynolds presentation 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 to america narrative essay, mitigate these factors. First, you’ll need to briefly explain who you are, the background of garr, 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 presentation help 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 garr, 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 and social learning theories, plan (e.g.; to raise a specific amount of debt financing to expand a store location) as well an garr reynolds, overview of the company (name, location, company type, products sold, founder(s) and founding date).

Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in which you use to prove success of the venture). This statement should be concise and to help, the point. Summarize the members of the management team, including highlights of their expertise and experience . Describe how each member contributes to the success of the organization. Keep this section brief, as you will go into more detail in the Products and 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 garr presentation, the Products and elementary 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 garr reynolds presentation, the Market section. Describe briefly how you will market your product or service. Summarize the cause and effect, major points in the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the most important points from the Financial Plan section here.

This should include your sales forecasts and garr reynolds presentation projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to turn a profit . If you are an existing company, highlight past financial performance. 7. Financing Requirements (Optional) Summarize the amount of equity and/or debt financing that you are seeking, when you need it, the use of the funds, and writing essays elementary when you expect to reach your next milestone event and/or start paying back the loan. Keep this at an overview level , as you will go into more detail later on in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the presentation, entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the amount of money you will need to writing elementary, raise.

With these sections fleshed out, you’ve finished your executive summary. How to Write the Company and Financing Chapter. The company and finance section of 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 gauge the future likelihood of success. Company and Financing Sections.

Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and approaches on garr reynolds how to lay out the presentation help guide, various components of a business plan. Our approach for the company overview section is to provide the garr presentation, reader with the company’s legal information, address and help guide a brief description of the company’s history. Since there are follow up sections in this chapter that over go the company’s location and presentation 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 presentation guide, 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 someone who owns an unincorporated business by him or herself.” While the most simple to 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 presentation they sue you because they found a hair in help, it, and you lose in court, the creditors can legally go after your personal possessions – such as the presentation, roof over your head. A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the company.” A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and 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 chain cause 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. Reynolds Presentation? A corporation is moving to america, 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 presentation, taxed at the corporate level, and then any dividends distributed to shareholders are then taxed again at the personal level. You can elect a special tax status with the IRS to have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity). Some of the drawbacks include not being able to 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 behavioral and social essay, member’s personal liability and only taxes profits at the individual level (acts as a pass-through entity). Describe the type of company you plan to presentation, 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 seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on write an essay on school days 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 history, there is little investors can go by to gauge the future success of a venture. The question lenders and garr presentation 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 grade essay prompts responsibilities within the garr presentation, company. Tip: Don’t include details about grade essay members of the Management Team that are not relevant to the reader. Garr Reynolds Presentation? 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 write an essay, present is the same. Keep in mind, however, that you also want to garr, demonstrate that your team has the moving, capability to manage growth of the garr reynolds, company. Presentation Help Guide? As a company grows from start-up to garr presentation, established business, the management team must also change. They must be able to moving to america narrative, manage employees, institute standardized systems, and garr reynolds presentation ensure the business’s ability to scale operations while keeping profitability stable. If you already have a Board of Directors and/or Advisory Board, list these individuals and a brief description.

In a publically trading company the Board of Directors is elected by the shareholders and is the highest authority in moving narrative essay, the management of the company. For our purposes (context of a private company that is garr, most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and 10th prompts independent board member(s) who have substantial business and industry experience. A Board of garr presentation, Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in essays elementary, your industry and are willing to play a role in your company . Reynolds? While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on help guide 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 first member of your Advisory Board.

This will help you to recruit other members of the garr reynolds, Board. Choose individuals that have strengths and relationships your business will need. As your business evolves, so will the writing, members of presentation, your Advisory Board. Feel free to writing, shake up the line up over reynolds time. In this section you will tell the reader how much money you need to raise, what you are going to use it for, and how you got to the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is write on school days, 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 identify the amount of reynolds, money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is help guide, that debt financing is reynolds presentation, essentially a loan that is backed by your assets or via a personal guarantee. If your company is already in existence and has trading history, then you may also secure a loan off of presentation, your receivables. In contrast, equity financing is essentially you exchanging a stake in your company for a specific sum of money from an investor . Therefore, the amount you are able to raise from investors comes down to how much they value your company. There are three fundamental questions every savvy investor will ask you: Cool idea, how do you make money with it?

How much money do you need, and why and when? What do you think your company is garr reynolds presentation, worth? If you are seeking financing (regardless of its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by break-even and behavioral and social essay subsequent profitability. The money you are seeking to raise will simply allow you to have enough cash to garr, cover the initial period where you will be taking a loss so that you can eventually make a profit. This is presentation guide, a simplification; you may be raising money to further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event).

But the general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to 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 garr reynolds, cash flow statement to determine the behavioral and social, cumulative cash flow. Garr Reynolds Presentation? 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 10th expository essay prompts, worth? The third question is much harder to answer, especially for a new company. At the garr, end of the day it really comes down to expository, what an investor thinks your company is worth (which is more art than science). However, there are three popular methods of presentation, valuing a company that can help you come up with a valuation to facilitate the to america narrative, negotiation. Cost approach (asset based approach)

The cost approach seeks to determine a company’s value by analyzing the market value of its assets. In other words, in this approach the company is worth the sum of all its assets if they were to be liquidated . 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 presentation many companies the help guide, value of its branding and reputation, along with its ability to generate profits, will exceed the value of its assets. The market approach seeks to determine a company’s value by analyzing recent sales of similar assets, with the theory that valuations of similar companies can serve as a good proxy. This is a common approach in 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 garr reynolds presentation that future stream of income in to america, today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to reynolds presentation, discount that expected income to account for risk. Now you have all the moving narrative essay, pieces to reynolds, complete the equation. You have the amount of money you need by looking at cumulative cash flow. Write An Essay On School Days? You also have an idea of how much money your company will be worth. Equation to presentation, determine how much equity you should offer:

Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for writing essays cash. Instead, you should focus on the loan’s interest rate and payment schedule. Garr Presentation? 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 the next milestone event % of equity offered and at what company valuation (you may wish to an essay, keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the following: Loan amount needed When you need it When you will be able to garr reynolds, 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 funds.

The level of detail should be at a high level ; if the investor or lender wants to write on school days, see expenses in garr reynolds, 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 write your financial model you anticipate relatively small yet variable expenses month to month, a line of credit may be a good choice. With a line of credit you draw upon it when you require the funds and pay interest immediately on the money as it is reynolds, borrowed. And Effect? It works very similarly to garr presentation, a credit card in that you typically have a pre-set limit to presentation, how much you can borrow, the major exception that since you may be able to secure the line of credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over the different strategies available and how thinking about your company’s eventual exit will help shape your business model. It’s recommended you review the 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 reynolds presentation, company public (IPO) Liquidation.

If you are seeking equity financing, then your investors will pay close attention to this section. Angel investors and behavioral and social theories essay VCs demand a large return on their investment since they are taking a large risk by investing into your company. Therefore, you need to garr reynolds presentation, include detailed information on reaction how you intend to sell the company or take it public. Demonstrating a large market opportunity. If investors are going to garr reynolds, take a big risk, they demand a big return.

You need to demonstrate your business has the potential to either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals. For example, Apple’s mapping software is playing catch-up to Google Maps. If your company can help Apple improve its software, your company would become an attractive acquisition target. The mission statement reflects the core purpose and behavioral and social learning theories vision of the garr, company. Behavioral And Social Theories Essay? It’s a statement your employees and garr presentation customers can get behind. Some tips on to america essay writing a well-crafted mission statement: Keep it short.

1-2 sentences max. Garr Presentation? Don’t use “fluff” words. Chain? Make the 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 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 garr 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. 10th Grade Essay Prompts? By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is (1) cutting edge and (2) has a higher purpose then themselves.

Mission statement: “ We will be the presentation, 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 to america narrative, a pharmacy retailer and reynolds 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. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to learning theories, the laws of the jurisdictions in which it operates and at 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 reynolds, maximize value) and behavioral and social 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 garr presentation, certainly not a bad thing, only stating that as the company’s mission statement is write, ineffective, lacks direction or focus, and completely misses the point of garr, having a mission statement. This is moving narrative, predominately for businesses that have previous trading history, but can also be used by presentation, new companies that want to highlight relevant history on how the 10th expository essay, company came to existence, work completed to date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the level of detail you want to include. This is reynolds, dictated by the relevancy of the information to on school, the reader and 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 presentation, business is on reaction cause essay the right track. 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 garr presentation reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the better valuation you can get for an essay on school your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to garr reynolds presentation, include: Size (e.g.; in learning, sq. ft.) Location/Address Other notable facts, such as equipment at the facility.

Location is garr reynolds presentation, important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose. Writing? Describe the reynolds presentation, lease terms you are able to behavioral theories, secure, and if there are any laws that protect the lessee from unreasonable price increases. You can read a detailed article about what to look for garr reynolds in a lease agreement here. Provide detailed information on the manufacturing facilities.

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 behavioral, pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of garr presentation, your business even if you are not in retail or manufacturing. For example, you might want to open your software company in chain reaction cause and effect essay, Silicon Valley as that provides a competitive advantage from an presentation, employee recruitment and fundraising perspective. If you operate out of a home office. Describe your future expansion plans, including expected date of writing essays, expansion. Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the Products and Services Chapter. The products and services chapter of your business plan should be written clearly and garr descriptively, to help give investors a comprehensive understanding of the bread and butter of your business.

Your products and services section should include the following sections. Products and Services Chapter Sections. Products and reaction Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and presentation services are the lifeblood of write an essay, your business – it’s what your customers need, and if you get this right, everything else will follow . Garr Presentation? 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. Chain Reaction Cause And Effect Essay? features.

What is the garr reynolds presentation, consumer really buying? For example, a person buying a Rolex watch is chain reaction and effect, not only buying a device to presentation, tell time, but the prestige and status that comes with a luxury product. 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 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 true is the potential to help, sell additional add-ons, upgrades and substitute products/services to existing customers . Think about how you can drive incremental revenue. Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream.

This is a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per reynolds presentation customer. You will complete the price you want to set your products/services in the Financial Plan chapter, and we also have a section for cause and effect essay you to describe your pricing strategy; however it is garr presentation, 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 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 find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use to find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn.

Not only do you have to writing elementary, worry about current competitors you can see, but you have to be vigilant and garr reynolds be on the lookout for new entrants. For example, a company that already sells to 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 presentation help, 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 suppliers that are required for your company to make its products or deliver its service. Some things to consider when choosing and garr presentation managing your suppliers: Cost: This is an obvious one – the lower the help guide, 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 garr presentation, operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to write an essay on school, meet your needs? Fulfillment is simply the presentation, process of reaction and effect, how your company delivers its products/services, from point of sale to reynolds, delivery. There are several popular fulfillment options: Engineer to order: the product is designed and essays elementary built to garr presentation, 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 essays elementary, 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 garr, stock: the elementary, product is manufactured in quantity based on garr reynolds expected sales of the grade essay, product (e.g.; retailers) If you are going to reynolds, 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. Behavioral And Social Essay? Too much inventory and you tie up all of your cash on garr excess inventory. Some key points: Have accurate sales forecasts.

Use historical sales data if you have it, and make sure you account for seasonality. Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software. Moving Narrative? QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to manage and garr presentation maximize your inventory levels. Technology in today’s business environment is becoming more and write more important and serves as a source of competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to garr presentation, ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to ship to practically every corner of the globe, seamlessly and with very low error rates. Think about how technology plays a part in your business and essays elementary if it is critical to your business operations.

If technology is critical to your business operations, then you must think about your disaster preparedness and contingency planning . Depending on your business, you may want to create back-up copies of data and software, routine security checks, and securing physical assets. What would happen if you lost access to the technology? Think about alternatives that you could utilize. For example, if you license a piece of software and presentation later down the road decide that the cost is too high, is there a competitor who can license you an presentation guide, 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 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 movies). If you have intellectual property that you want to protect, it is advisable that you seek the professional advice of reynolds presentation, a good Patent/IP Attorney , since this is a great way to provide a barrier to entry for write on school days 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 presentation, recommended that you apply for a patent to protect your invention. Essays Elementary? 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 garr reynolds presentation architectural designs. In 2011, counterfeit copyrighted and help guide trademarked goods were a $600 billion dollar industry worldwide.

Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and downloaded. IP and your employees and contractors. It is garr presentation, just as important to secure your intellectual property in chain and effect essay, relation to your employees and contractors. Everyone should be required to sign an invention assignment agreement, which basically states that the company owns all works produced while contracted by the company. In addition, you may consider handing out serialized notebooks for employees to use , so that if there is ever a conflict as to garr presentation, whom owns a piece of elementary, intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to presentation, describe the grade, 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 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 product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to reynolds presentation, your product to stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to reaction essay, dissipate as sales of your product are in steady decline.

After including all of reynolds presentation, this information, you’ll have completed the products and services chapter. Writing the Customers and write on school days Market Analysis Chapter. The customers and market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of customers are trending in terms of reynolds, growth and behavior. This chapter also includes any regulatory restrictions specific to your industry. Customers and Market Analysis Sections. Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the market overview section you are going to calculate the total market (referred to as Total Addressable Market) for grade expository your products, and then the reynolds presentation, segment of help guide, that market your business can capture. Total addressable market can be thought of in several distinct levels.

At the garr, highest level is an estimate of the total market given 100% saturation. Another way of looking at this is what would be the grade essay, total market if one company had 100% market share. Once you have the garr reynolds presentation, total addressable market, then you can estimate what percentage of this you can realistically capture. This, of course, is essays elementary, 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 research the average annual sales for each restaurant. Then multiply the two to get the total sales for all high-end restaurants. This would be your total addressable market. Using the example above, we can then drill down to garr reynolds, the next level and and social theories determine what percentage of the market you can realistically capture. Presentation? 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 market. Whatever your assumption, make sure it is well documented and logical.

To obtain jaw-dropping product-lift you must solve a difficult and painful problem for the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to switch to your company. Describe what problem your product is cause and effect, solving. Garr Presentation? If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. Describe how your solution better solves customer’s pain points then your competitors.

We as consumers are inherently lazy. We do not want to go through the time and cost of switching from one company’s product/services unless it is compelling enough, which is dependent on the switching cost. For example, there is behavioral essay, virtually no cost to switch from Coke to reynolds, 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 narrative essay, able to reach new customers and bypass switching costs altogether (in other words, instead of garr reynolds presentation, taking customers away from your competitors, you are creating a new market for your products). Understanding market trends at writing the macro level is critical for various aspects of your business. Garr Reynolds? A growing or shrinking market is described in expository, more detail in 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 reynolds presentation, securities. This in turn has created a new market for behavioral essay 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 across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on reynolds presentation your business. If you build your business on chain reaction top of a technology platform that will soon be replaced with a more cost affordable, powerful, and garr reynolds easier to use technology, then that will surely put you in a less advantageous position. Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the use of chain reaction, technology. Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes. Presentation? Keeping an eye on essays this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from garr, one time period to the next (usually in years).

So if the market in the first year was $100 million and on school days $150 million the garr reynolds presentation, second year, then the market can be said to reaction cause and effect, have grown by 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Garr Reynolds Presentation? Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of and social theories essay, this research. Being able to demonstrate a market is garr reynolds, growing is obviously important – for example, the market for Blackberry accessories is essays, clearly a declining market. Most investors and lenders will not want to presentation, see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to grow as those companies continue to add new customers. Your industry is defined as the group of companies that are related to help guide, you in terms of reynolds, what you sell/how you derive your revenue. For example, Ford and Nissan are both in 10th, the automotive industry. Ford and Nissan’s market (i.e.; customers) would be the garr presentation, end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on the Dept. of Labor website.

Understanding your industry’s dynamics is imperative to knowing it’s profit potential and attractiveness. A popular framework for conducting industry analysis is Porter’s five forces analysis, which analyzes an industry’s competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and how your company fits within the chain reaction cause and effect essay, competitive landscape. If your industry has low barriers to entry and low switching costs, then expect increased competition, as there is little standing in the way for new entrants to enter the market and compete. If your industry is garr, supplied by very few suppliers with little alternative but to source from those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to choose from, then expect downward pressure on your margins. If there are many substitute products in presentation guide, your industry and the switching costs between them are low, then expect substantial competition. An industry is garr presentation, very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and behavioral essay it is reynolds, mature with little growth (so the only way to grow is to take a competitor’s market share). Although your product may cater to many different sets of customers, you want to focus on expository prompts a select group that will be the most likely to purchase your product/service and garr reynolds presentation account for the lion’s share of 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 coffee every day, versus the on school days, student type that comes in once a month. When you can name your key customers. If you are in reynolds, 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 writing essays elementary 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 reynolds presentation, write this section after you complete the subsequent sections as the and social learning essay, overview section summarizes key findings from the other section. Keep this section at the summary-level, as you will go into further detail in reynolds, the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to chain and effect essay, reach the luxury end of the market. Provide your product/service at the cheapest price point in presentation, the marketplace. There are three primary ways to achieve this: Economies of Scale: For example, being able to turn more tables in and effect essay, a restaurant or produce more widgets in a factory. Reynolds Presentation? The more you are able to produce from your asset, the cheaper it becomes.

It will also be harder for your competitors to enter the market since you have fixed assets and 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 write on school days 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 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 presentation, not easily copied. You can also achieve differentiation through branding and marketing – for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of their branding and presentation guide not through the taste of their coffee. Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to price yourself accordingly. Garr Presentation? Likewise, if you are going for the luxury end of the market, then a higher price is often times a proxy for quality.

How price sensitive are your customers? If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to grade prompts, over your costs so you can turn a profit. There are, of garr reynolds presentation, course, exceptions. On School? For example, you might want to achieve economies of scale by reynolds presentation, maximizing units sold, or you might be maximizing revenue to achieve dominant market share. There may be regulatory/legal constraints on moving to america essay how much you can charge. For example, payday loan vendors are restricted in how much they can charge their customers. Looking at what your competitors charge can give you a understanding of what current customers are accustomed to paying and 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 garr presentation, .99 or .95. In this section, you move from describing your marketing plan onto how you will convey your marketing message to chain and effect, your intended audience.

What marketing channels will you utilize to reach your target customers? Depending on your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence. There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget.

A website is a key component of your digital marketing efforts as it will be the destination in which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of mouth marketing is by far the most profitable and powerful marketing channel available to any business. New customers that are referred to your business are more likely to purchase and more likely to continue referring your company. Garr Reynolds? There are ways to chain reaction cause essay, boost word of mouth marketing, especially with the advent of reynolds presentation, social media. For example, asking a satisfied customer to like your business on 10th grade expository essay Yelp and Facebook will potentially reach hundreds of reynolds, their contacts, all with one click. Integrating social media into chain reaction cause and effect, your word of mouth marketing strategy is invaluable for reynolds presentation every business. Blogging/Becoming a subject matter expert. Having a leading voice in 10th grade expository essay, 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 garr reynolds presentation adapting the 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. Theories Essay? Or if you manufacture your products, you might sell through distributors, who in garr reynolds, turn sell to writing essays, retailers, who in turn sell to consumers. Three common models: Product is reynolds, stocked in moving narrative essay, mass-market distribution channels. Examples include soft drinks, magazines, etc. Product is specialized and sold through specialized channels. Examples include nautical computers and tooling/machinery. Product is garr presentation, 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 reach customers directly, as well as working with online channel partners to reach and 10th grade expository essay sell to customers. Writing the Strategy and reynolds presentation Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the reaction and effect essay, 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 key events that demonstrate progress is reynolds, being made , such as completing the company’s first prototype or breaking even. Writing Elementary? These provide a tangible way to measure the success of the business venture. Milestones are so incredibly important to a business yet are one of 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 garr reynolds presentation, effect, makes that company less risky (and therefore more valuable). A new company has an presentation help guide, extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the garr reynolds, 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 expository essay prompts, 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 reynolds, a useful technique for and social theories understanding your company’s strengths and weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in 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 garr reynolds, four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at a lower cost then your competitors? This is a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on help razor thin profit margins or heavy investment in fixed costs in reynolds presentation, order to achieve economies of scale.

Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service? Popularized by the book “Blue Ocean Strategy”, creating new demand in an uncontested market space is an essay days, a powerful business strategy. Do you provide superior time to market or customer service? For example, your customers may be willing to 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. 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 garr reynolds presentation, 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 chain cause essay power of garr reynolds presentation, your business.

Striking a partnership in this case may decrease those risk factors and prompts 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 garr implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and 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 market you can realistically target, and the costs associated with making your product or rendering your services. These sections are the red meat of your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to write an essay on school, 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 garr reynolds presentation services, the cost it will take to 10th grade expository essay, produce or sell the product/service, and reynolds the number of units you will sell. 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 learning theories essay, foundation for defining the sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to define the production cost Target Market section: Defines the size of 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 garr reynolds hiring several sales people nine months from the start of your business, you should forecast an to america narrative, increase in reynolds, 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 your product/service may increase/decrease in write an essay days, price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to offload excess inventory Promote new product – discount upfront to encourage sales, then increase later. This is the garr, direct cost of producing your product/service (at the unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the cost as a % of moving, sales on 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 garr, more units you produce, the reaction, cheaper it becomes to produce them Bargaining power: the garr reynolds, more units you buy from your supplies, the cheaper they become Seasonality: cost of raw materials may fluctuate based on time of guide, year. This is the expected number of garr, units you will sell.

My units are constant: Not particularly suitable as most businesses will expect to reaction and effect essay, have some growth over reynolds time. Units sold changes over 10th grade essay 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 taxation if you are required to reynolds, collect sales tax. If yes, you collect the sales tax from an essay on school, your customers and then remit the tax to the state each year. If the individual assumptions used for garr each component of the sales forecast is 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 behavioral and social theories 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 garr, personnel you plan to 10th, hire and at what time is more of an art then a science. Too much staff too soon and you’ll burn through your working capital. Presentation? Too few staff and you’ll run the and social, risk of alienating your customers and partners when you can’t deliver. A good way to think about your personnel plan is to think about the garr reynolds presentation, milestones you want your business to accomplish and what personnel are required to get your business there. Moving To America? You can always revise your estimates, so start off with your best estimate and garr come back to 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 guide, 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 garr reynolds, define a compensation plan for sales personnel that have an moving narrative essay, 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 United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and garr presentation sick leave, pension contributions and other benefits.

This is an essay on school days, referred to reynolds, the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and not contractors. If unsure what to enter, 15% is a fair estimate. Explain the assumptions and on school days methodology used to define the reynolds presentation, personnel your business plans to write an essay on school, retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to coincide with the release of a new product. Enter expenses you plan on incurring for your business. A good way to make sure you capture majority of your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. Categorize expense into groups, such legal and administrative, rent and 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 the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and garr presentation 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 expository essay prompts more than 12 months, such as a company van or computers. Fixed assets are depreciated over its useful lifetime. This is an accounting method that allows the business to allocate the costs of the asset over its life by gradually reducing its value.

Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for presentation 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 write days, signed with the total lease amount of $12,000 being paid upfront. Garr Reynolds Presentation? Classifying this as a regular expense would not be accurate because then the expository essay prompts, PL Statement and reynolds Cash Flow Statement would both show the 10th expository essay prompts, $12,000 as a one-time upfront payment on garr reynolds presentation the month it which it was made.

This type of 10th expository prompts, expense is better described as a prepaid expense, since the use of the office is garr reynolds, spread out over a 12-month period of time and can be considered an asset on to america narrative the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the garr reynolds presentation, $12,000 prepaid expense spread across 12 months at narrative essay $1,000 each month, while the Cash Flow Statement would reflect the presentation, $12,000 payment on 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 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 LLCs/partnerships, respectively) are payments to presentation guide, the company’s shareholders/owners, taken from the company’s profit.

Dividends are typically paid out at the end of the garr reynolds presentation, 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 grade expository essay determine how much of retained profit you want to garr reynolds, distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business. Write An Essay On School Days? What are the monthly or ongoing costs that you must pay to keep the 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 garr reynolds presentation, these expenses and include them in and social learning essay, your budget. Accounts receivable is garr presentation, defined as sales that the company has made but has yet to collect the money from the behavioral theories, purchaser. Garr Presentation? 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 allow them to grade expository essay prompts, avoid the hassle of physically making payments as each transaction occurs. Garr Reynolds? You want your accounts receivable to be as low as possible to increase your cash flow.

Defining what percentage of your sales will be on help credit. You want this percentage to be as low as possible, while keeping in mind that for some businesses it is preferential to garr presentation, provide some credit to your best customers. Defining how long it will take to and social learning essay, collect payment. Of the customers that you provide credit to, you need to define when they are to reynolds, pay you back. The faster, the better your cash flow will look like.

It is typical to provide net-30, which is presentation help guide, 30 days. Accounts payable is defined as short-term debt owed to garr reynolds presentation, 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 grade essay prompts, you) and presentation accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and 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 be as high as possible, as that will improve your cash flow.

However, ensure you are able to elementary, pay your vendors on the purchases made on credit. Defining how long it will take to collect incoming payments. How many days will it take, on average, to garr reynolds presentation, collect incoming payments? Select the typical number of days between when you make a credit sale and when the payment arrives. Elementary? Keep in garr reynolds presentation, mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on write an essay on school days keeping inventory on reynolds presentation hand, then you need to define how many months of inventory you wish to keep on hand. The more months of inventory you hold on hand, the more cash is write an essay, tied up in inventory. Presentation? This will affect your cash flow. How much inventory should you carry?

The ideal amount varies from industry to industry, and business to business. A good place to find more information is trade associations for presentation your industry. In order to improve your company’s inventory management, you will need to start by collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on reynolds hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. The time period for credit sales and payments may depend on your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections.

You can utilize this section to writing essays elementary, explain any assumptions about cash flow, including details on the time period in reynolds, which you will make and 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 moving to america narrative, a lender, and garr presentation are obligated to and social learning theories essay, pay back at a later time (usually in installments). You will typically pay interest on the loan. 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 finance growth is commonplace. These might include credit cards, home equity line of credit (HELOC), and installment loans. Reynolds? If you have an existing small business, commercial loans can be obtained, which are based on a variety of factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Interest rates will be higher for write an essay on school days unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of credit is similar to a loan with the difference being that interest is not charged on the part of the line of credit that is unused, and the borrower can draw on garr presentation the line of credit at days any time that he or she needs to. Garr? If you are seeking a line of presentation, credit then enter the 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 garr reynolds the financial institution’s request. Investments include injections of presentation help guide, cash into the business from you, other shareholders or owners, or investors. Reynolds? 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. If you are a startup, it is likely that the money you make from sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of funding will you acquire? At what point in your plan are you expecting these funds?

For existing businesses only. And Social Learning? The starting balances will be used to adjust the balance sheet to presentation, take into account your company’s financial history. Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation.

Enter starting balances for essay 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 garr reynolds presentation, the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity.

Every business model has several key metrics that management can use to 10th prompts, see if the business is garr reynolds presentation, healthy. For example, a restaurant might use the number of moving narrative essay, tables it can turn per night and the average revenue per reynolds presentation dinner. Think about what levers make the most impact to moving to america narrative, your business. You will want to presentation, continuously track and monitor these metrics to ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and grade essay prompts profit. It is the most common of the three reports as it provides a view into garr reynolds presentation, 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 and social learning theories, 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 reynolds presentation, time, usually the last day of and social learning theories essay, a fiscal period. Reynolds Presentation? It is called a balance sheet because assets (what you own) will always equal the sum of learning, your liabilities (what you owe) and reynolds 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 grade essay prompts, a read-only display. If you wish to change the balance sheet, you can do so by reynolds, going back to the builder in behavioral theories essay, the Financial Plan section. If you are an existing business, you have the garr presentation, 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 behavioral essay financing activities. Reynolds Presentation? Rather than providing an overview like the balance sheet, the cash flow statement will measure the change in cash during a period. Moving To America Narrative? 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 garr presentation, the Financial Plan section in order to chain essay, change the accounts affected in the cash flow statement.

The Financial Ratios section gives a general overview of the health of your business. Garr Presentation? The report here is learning theories, a read-only display. If you wish to change any of the information, you may do so by editing the relevant financial information you’ve entered previously. Garr Presentation? The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to cash is the theories, company in case.

This is important in garr reynolds, determining the essay, ability of the business to meet its obligations, or paying off what it owes in debt. Garr Presentation? The Profitability Analysis shows the overall performance of the company in its ability to make a profit. The ratios show how much of sales revenue is grade expository, actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the business’s assets are financed by debt and how much of the business’s assets are financed by garr reynolds, stockholders’ equity. The Investment Measures show ROI (Return on Investment) which is the writing elementary, 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. Reynolds? It is by 10th, far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. Garr? In all likelihood, you will need to hire an expert or accountant to writing essays elementary, help you create an accurate and detailed plan that adheres to reynolds presentation, realistic outcomes. To finish it off, you’ll need to write an appendix and a glossary of terms.

Your appendix will be a more detailed version of the financial statements detailed in this chapter, and help your glossary of 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 write a plan? We have a sample database of plans that you can look through to garr, learn the different chapters and sections necessary to attract equity investments and grade prompts 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 garr reynolds presentation you and your dream. Click the images to view our full business examples. 4. The Pros and write on school days 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 garr reynolds presentation, figuring out how to order your chapters, or the worry of feeling like you might be missing a section. We provide the an essay on school days, 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 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. Presentation? Completely free – no hidden costs, just download and reaction and effect start writing. This plan is completely free. You may encounter other people or websites on the Internet charging a price to download the garr presentation, guide. To America Essay? Do not purchase them – there is no benefit at all to purchasing a pre-fabricated plan. Garr Presentation? None of the information will be relevant to your company, and you’ll be gaining nothing but the presentation, order and structure of the plan – something that you could easily research and garr presentation re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of 10th expository essay prompts, how a it should be structured, that represents only about 5% of the heavy lifting of writing an reynolds, 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 to america narrative essay, expensive rate for someone else to do them. You’re going to have to do the financial calculations, plans, and garr reynolds forecasts that a plan should offer to attract investment — all by yourself. Learning Theories? Creating these sections requires years of reynolds presentation, training, math skills, market knowledge, and investment savvy. Behavioral Learning Essay? This requirement is beyond the scope of most peoples’ abilities, which is why entrepreneurs turn to professional writers and garr accountants to do the heavy lifting for writing essays 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 garr reynolds blather to a seasoned investor. 2. Guide? You’ll need to manually create visual graphs and charts to garr reynolds, make the calculations easily understandable.

You’ll need to take the numbers you calculated and create attractive graphs, charts, and tables for chain cause and effect essay your plan. Making your data attractive and easy to comprehend is no easy task. Professional planning software can not only do the calculations for you, but will also turn them into relevant graphs, charts, and reynolds tables presented in 10th essay, the appropriate order, according to how equity investors and bank loan officers expect to see them. 3. A basic template won’t allow you to track your business’ progress. You won’t be able to keep your company’s information up to date easily. Garr Presentation? One of the major benefits of using software is that you can continually update your numbers based on your real expenses and earnings, allowing you to track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to download this document and 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 writing, only 5-10 minutes! Copyright 2017 Legal Templates LLC.

Legal Templates LLC is not a lawyer, or a law firm and does not engage in the practice of garr reynolds presentation, law. Legal Templates cannot and does not provide legal advice or legal representation. All information, software and services provided on the site are for writing essays informational purposes and self-help only and are not intended to be a substitute for a lawyer or professional legal advice. Use of this site is subject to our Terms of garr, Use. Preview Document - Business Plan Template.

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Download a Resume Template That Employers Will Love. Are your Resume and online job search profiles not yielding you the results you need to find gainful employment and presentation, finally afford to pay your bills? No doubt about it; it’s tougher to find a job now than it’s been in decades. That doesn’t mean, however, that you can’t give yourself every fighting chance of snagging the next available job. While there is plenty to be said for effective interviewee skills, the absolute most important step for getting hired is writing a winning Curriculum Vitae. Without a highly attractive C.V, you’re just one of dozens or more applicants that begin to blend together after a while. You want your most relevant skills and to america narrative essay, experience to jump off the page and grab the garr reynolds presentation, attention of the person responsible for reviewing the group of CVs in writing essays elementary which yours is stacked or filed online. Direct access to resume templates advices. 1. Choose your favorite Curriculum Vitae. 2. Download selected resumes on reynolds, your desktop.

No front page content has been created yet. How To Write a Winning Curriculum Vitae. Understand What Makes a Great Resume. Many job applicants are under a misconception that a great Curriculum Vitae means fluffing up terms, adding lots of 10th essay prompts, jobs and experience, listing as many skills as possible, and engaging in reynolds other overkill tactics. Excessive and irrelevant information only clutters the page and help, makes it more difficult to find the skills and information for which your prospective employer is searching. The best resumes are those that are concise and specific to the job being sought.

As such, a separate resume should be used for each job if the required skills, education, and experience are different. At the end of garr reynolds, this article, we will review a few time saving tips building each specific Curriculum Vitae. First, though, let’s take a look at cause and effect essay, how to write a winning CV. Review All Job Description Material and More (If Necessary) While some employers seem to garr be in the habit of posting as little information as possible, others provide a great deal of 10th, valuable information relevant to not only the skills, experience, and garr reynolds presentation, education of a desired employee, but also the description, expectations, and behavioral learning essay, demands of the job itself. Acquire as much information as you can about the position. If the employer provided you with pages and pages of descriptions, read them before building your resume. Garr! If the employer posted minimal information about the job, you may find information by reviewing the and social, website or even calling and asking for garr presentation details. The more you know about and social theories your prospective employers, the more power you have to garr presentation show them a picture-perfect employee on paper. If you read terms you don’t really understand, see requirements for education levels you haven’t reached, or find any other indication that you’re not a good candidate for the job; don’t waste your time applying.

Also, understand that it may be very difficult to find a job that matches your education or the bulk of your experience. You may have to begin at an entry level position in a company that seeks supervisory and upper management applicants from within. If this is the case, be extremely careful about divulging the presentation guide, extent of your education, experience, and salary history as you may be viewed as ‘overqualified’. However insulting or degrading it may feel, the reality is that at some point you just have to reynolds presentation accept that options are limited and be willing to ‘dumb it down’ a bit to secure employment. Just think, though: In the next few months after you’re hired, you’ll have a chance to excel beyond expectation and increase your odds of recognition and behavioral learning, promotion. Use Only Relevant Terms, Skills, and Experience.

If you feel the need to add more information to your curriculum vitae than what’s absolutely relevant, make sure that the most compelling details are on the first page and that it’s not crowded with words. Garr Reynolds! In addition to your contact information, you should have: Relevant skills, relevant experience, and relevant education. If you have multiple jobs dating back for a number of years, try to list only the most relevant jobs within the past 5-7 years on the first page and either make a note that a more extensive job history is available upon write request or attach a separate sheet with a complete history in reynolds presentation case the presentation guide, reviewer is so inclined to read it. Whatever you do, DO NOT let a full page of reynolds presentation, outdated and irrelevant details take away from the razzle and presentation, dazzle of the first page of your resume. Remember that your developed skills are more important than your experience. Yes, you need experience to demonstrate the garr reynolds, fact that you’ve had time to 10th expository essay hone those skills, but employers need to garr reynolds presentation know the capabilities you have that are relevant to the job for which you’re applying. The Verbiage of Your Curriculum Vitae. You want your C.V to sound professional, but it doesn’t have to moving essay sound like it came out of the Oxford Dictionary. Remember, it’s not as though you’re writing a dissertation; you’re listing bits and pieces of concise and relevant information to garr presentation present a snapshot of what you have to offer.

Refer to the job description and other material posted by your prospective employers. If they used industry-specific jargon, use the same jargon wherever applicable. Review their posted list of required skills and job duties and use it as a guide for listing all of narrative, your valid and reynolds, applicable skills and job duties with previous employers. If you have additional skills or job skills than are not posted on the job description by your prospective employer, consider leaving them out. If you feel you must include them somewhere, follow the same rule as job history: Keep them off the cause and effect essay, first page.

Instead, attach them at presentation, the top of the page containing your extensive job history. You have 2 primary goals for write an essay on school days your curriculum vitae: Make it easy to read and reynolds, make every word count. In order to accomplish this, you need to use a font of at least 10-12 and make each section of your document stand out from the next by staggering blocks of information that take up different levels of expository essay prompts, horizontal space. For example, you may place your name, physical address, phone number, and email address at the top in the center. For contrast, you would place a sentence outlining your objective; perhaps something like: To obtain consistent and long term employment with a company in which my skills and talents will be utilized and appreciated. Because that sentence will take the entire width of the page, your next sections should be small and centered. This would be a great place to list your skills. Reynolds Presentation! If you place your employment in the next section, that would be a great contrast to your skills.

Make a table with 2 columns and a few rows (just enough for your most relevant jobs). Behavioral Essay! Add your title, previous employers, and their contact information in the left column and your job duties on the right. Finally, underneath your employment history, enter your education information centered on the page. Employers may or may not be interested in speaking with your personal references. If there is any reason why your prospective employers shouldn’t speak with your previous supervisors, try to avoid putting their contact information on your Curriculum Vitae. Otherwise, there should be plenty of garr presentation, professional references in 10th essay your format for them to review. You can post a sentence on the bottom of your Curriculum Vitae either inviting your potential employer to call contacts from reynolds presentation, your employment history and/or letting him/her know that you have a list of personal references available if requested.

If you have room on the page after leaving plenty of presentation help guide, space in between each section, increase the font size of your name. If you have adequate or advanced linguistic skills, consider writing a short cover letter (3-5 small to moderate paragraphs) introducing yourself and outlining your skills, dedication, ambition, work ethic, and any other relevant piece of information that increases your appeal to an employer but may not have a proper place on garr presentation, your Curriculum Vitae. Writing Essays! Cover letters are easy to garr disregard if an essay employer isn’t interested, and they can help to reynolds set you aside from other applicants if there is an interest in learning more about writing essays you by reading your cover letter. You can either use the outline provided in this article or you can create your own curriculum vitae outline containing your name, contact information, and the basic sections you will need to fill out per application. Save the outline and consistent information in a master file, and once you’ve finished preparing a Curriculum Vitae for a job, choose ‘Save as’ and create a specific name for it. Garr Reynolds! To find your Curriculum Vitae more quickly and conveniently, consider using the elementary, same name and changing only the last word.

For example, you may save your resume as ‘MyResumeCompany.doc’. Replace the word ‘Company’ with each different place to garr which you submit your curriculum. How to Write a Great Cover Letter. Landing a job is undoubtedly difficult in an essay days today’s economy. Writing a great cover letter is probably the garr, most important step you can towards landing the job of 10th expository prompts, their dreams. Why is writing a cover letter so important? It is the first thing a potential employer sees, and reynolds presentation, it will dictate whether or not the presentation guide, employer even looks at your resume.

Even the most polished, professional resume doesn’t stand a chance against a poorly written cover letter. How do you write a cover letter that not only garr reynolds presentation a potential employer to read your resume, but also gets you invited for an interview? Writing a winning cover letter is not difficult if you follow a few simple steps: Just like an employer won’t look at a resume that’s attached to a poorly written cover letter, the employer won’t even bother to read the learning theories, cover letter if it’s a messy jumble of text. To create a professional-looking cover letter, be sure to use plenty of white space. You should have, at presentation, a minimum, one inch margins and double spaces between paragraphs. Follow the guidelines for writing a basic business letter and be sure to writing elementary include a simple, text-only letterhead.

Your letterhead should be the garr reynolds presentation, same letterhead that appears on help, your resume. This is your one and only chance to name drop, so take advantage of it. Potential employers want to know how you heard about the reynolds presentation, position. You should also identify the specific position that you are seeking, and state that you are applying for this position. Yes, it’s obvious, but cover letters follow a long-established pattern, and essay, this isn’t the time to reynolds presentation be a rebel. Finally, set the tone for the rest of the letter, and briefly state what you will be discussing.. If you have more than a few years of experience in the field to which you are applying, your professional experience should be presented before your educational experience.

First, write a topic sentence that presents one unified idea. If you’ve held several jobs in this career, find the one aspect that these jobs have in common that will most impress your potential employer. You also need to link this paragraph to your educational experience. Similar to 10th grade expository your employment paragraph, you need to develop one unified idea rather than simply presenting a list of all the schools you’ve attended and courses you’ve taken. Presentation! Determine which aspect of your education is most important to the position you’re applying for and present it here. A fourth and even fifth paragraph may be added if you need to present additional relevant information. Just remember to develop one idea per paragraph, and to keep the presentation guide, entire letter under one page. This is your opportunity to tie everything together, leading the garr, reader to invite you to an interview.

You need to reference your resume and any other included attachments. Narrative Essay! In addition, you need to garr politely, yet confidently state that you wish to be invited to an interview. Finally, state the easiest way for chain reaction cause the employer to reach you, referring to the phone number and e-mail address in your letterhead. For important documents like cover letters, you need to garr presentation go beyond your computer’s spell check and grammar check. Writing Essays! Place the cover letter aside for a few hours, or overnight if possible, and look at it with fresh eyes. You might find errors that you didn’t see previously. Garr Presentation! As a final step, ask someone, who you trust will do a decent job, to proofread your cover letter. Now, you have a well-written cover letter that will hopefully lead a potential employer to read your resume and ultimately invite you to an interview. The rest is behavioral theories up to you! How to reynolds prepare for a winning job interview.

In a competitive market for available jobs, potential candidates should put in the necessary time and effort to make a solid impact. Learning! You must simply accept that it’s a buyer’s market, the buyer, in this case is the organization. Your first job as the seller is to sell yourself. You need to stand out from the garr, other candidates like a house with a shiny red door in a cookie-cutter neighborhood. Assume your resume and cover letter is in a pile on a desk with plenty of others, therefore you must find a way to rise to the top. You need to put yourself in a stronger position, instead of you trying to chasing the chain reaction cause, job, make them convince you to take it. Your mindset dictates the demeanor you portray. If you seem too desperate, you don’t make it to the next step, however, too arrogant and doors will close. You have to put yourself in the shoes of the interviewer and garr presentation, determine your moves every step of the chain, way. Spend about five hours preparing for each hour of interview, you want to investigate how you can deliver value to the organization. By researching and probing how you can make an impact in the position, you are going beyond the canned responses of most candidates.

Your resume should announce that you are qualified for the position. After the garr presentation, interview, you want to grade leave the garr reynolds, impression that you can start the job tomorrow. You want to contact somebody who does the same job at the organization or similar enterprise and ask several questions. It’s a must that you discover the writing essays elementary, current challenges for the position within the organization and the industry as a whole. The next step is succeed where so many candidates fall short, you want to show initiative by suggesting ideas for the position. Hiring managers have so many job functions to perform, by proving that you not only did research concerning the position, but proposed suggestions, you show tremendous potential. You would be surprised how those that have been performing the job for years have not expressed such aptitude. Be prepared to garr go beyond lip service, you want to demonstrate the homework you have done.

Reaching out to a current employee performing the same job function puts you over the top. Don’t be shy or feel like you are intruding. Help Guide! Many employees have innovative ideas about how to perform their jobs better, tap into garr, that information for free and then add your own spin. Use the power of imagination to an essay on school days stand out from the presentation, crowd, everybody else is going to be following the same job interview tips that get recycled over the web. Behavioral And Social Learning Theories Essay! If you want to make a lasting impression, you must put in the sweat and effort.

Find someone who you can practice with until it comes out natural. Landing an presentation offer in a tough economy requires considerable effort. If you can demonstrate you can make an impact in your interview, your name will rise to the top of the pack. Copyright Curriculum-Vitae.In 2013 - Contact : webmaster All the Curriculum Vitae templates are at your disposal without any guaranty.

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