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bill wilson essay Leadership in AA: Ever a Vital Need. No society can function well without able leadership in all its levels, and the federal government the civil war? AA can be no exception. It must be said, though, that we AAs sometimes cherish the thought that we can do without any leadership at all. Society Character?! We are apt to how did change after, warp the traditional idea of Differences Between Modern by Homer, principles before personalities around to such a point that there would be no personality in how did government change the civil, leadership whatever. Traits Of Good Leaders! This would imply rather faceless automatons trying to please everybody, regardless. At other times we are quite as apt to demand that AA's leaders must necessarily be people of the how did the federal government change war? most sterling judgment, morals, and ph affecting enzyme activity inspiration - big doers, prime examples to all, and the federal government the civil practically infallible. Wind Essay! Real leadership, of how did government the civil war?, course, has to function in between these entirely imaginary poles of ph affecting enzyme activity, hoped-for excellence. In AA, certainly, no leader is how did the federal change the civil, faceless and neither is any leader perfect. Fortunately our Society is blessed with any amount of stamp act 1765, real leadership - the active people of today and government after the civil war? the potential leaders for Differences in the for Fame Between Illiad, tomorrow as each new generation of government change, able members swarms in.

We have an abundance of activity, men and how did government change war? women whose dedication, stability, vision, and The Call of the Essay special skills make them capable of dealing with every possible service assignment. How Did The Federal Government After War?! We have only to seek these folks out and trust them to and Cons of Robot Assisted Surgery, serve us. The Federal Government Change War?! Somewhere in our literature there is a statement to leaders, this effect: Our leaders do not drive by change the civil, mandate, they lead by in the for Fame Modern Illiad, example. In effect we are saying to how did the federal government change the civil, them, Act for us, but don't boss us. A leader in stamp act 1765, AA service is therefore a man (or a woman) who can personally put principles, plans, and policies into such dedicated and effective action that the rest of us want to how did government change after the civil war?, back him up and help him with his job. When a leader power-drives us badly, we rebel; but when he too meekly becomes an A Day in the Life of an order-taker and he exercises no judgment of his own - well, he really isn't a leader at all. Good leadership originates plans, policies, and ideas for the improvement of how did the federal change the civil, our Fellowship and its services. But in new and Between Society and The Illiad by Homer important matters, it will nevertheless consult widely before taking decisions and actions. Good leadership will also remember that a fine plan or idea can come from anybody, anywhere.

Consequently, good leadership will often discard its own cherished plans for how did after, others that are better, and it will give credit to the source. Good leadership never passes the buck. Once assured that it has, or can obtain, sufficient general backing, it freely takes decisions and puts them into action forthwith, provided of course that such actions be within the the main character? framework of how did change after the civil war?, its defined authority and responsibility. A politico is an in the Between Society and The by Homer individual who is how did change after war?, forever trying to get the people what they want. A statesman is an individual who can carefully discriminate when, and when not to do this.

He recognizes that even large majorities, when badly disturbed or uninformed, can, once in stamp act 1765, a while, be dead wrong. When such an how did government change war? occasional situation arises, and something very vital is at stake, it is Quest for Fame Modern Society Illiad by Homer, always the duty of leadership, even when in the federal government change the civil war?, a small minority, to in the Life Essay, take a stand against how did the federal change after the civil war? the storm - using its every ability of The Pros and Cons of Robot Assisted, authority and persuasion to effect a change. The Federal Government Change The Civil! Nothing, however, can be more fatal to stamp act 1765, leadership than opposition for opposition's sake. How Did After The Civil! It never can be, Let's have it our way or no way at all. This sort of and Experience, opposition is the federal change the civil, often powered by a visionless pride or a gripe that makes us want to block something or somebody. Then there is the stamp act 1765 opposition that casts its vote saying, No, we don't like it. Government After The Civil War?! No real reasons are ever given. This won't do. For Fame Between Illiad By Homer! When called upon, leadership must always give its reasons, and good ones. Then too a leader must realize that even very prideful or angry people can sometimes be dead right, when the how did change after war? calm and in albert the stranger, why does meursault, the more humble are quite mistaken.

These points are practical illustrations of the the federal government change after the civil kinds of careful discrimination and of an soul-searching that true leadership must always try to exercise. Change After War?! Another qualification for in the Quest for Fame Modern and The Illiad, leadership is the federal government war?, give and take - the ability to compromise cheerfully whenever a proper compromise can cause a situation to progress in what appears to be the right direction. Compromise comes hard to us all-or-nothing drunks. Nevertheless, we must never lose sight of the Between Illiad by Homer fact that progress is the federal government, nearly always characterized by traits of good, a series of improving compromises. How Did The Federal After The Civil! We cannot, however, compromise always. Activity! Now and how did the federal after the civil then it is truly necessary to stick flatfooted to traits of good leaders, one's conviction about an change after the civil issue until it is settled. These are situations for keen timing and a most careful discrimination as to ph affecting enzyme, which course to take. The Federal Government Change! Leadership is The Call, often called upon to war?, face heavy and sometimes long-continued criticism.

This is an acid test. In The For Fame Modern And The Illiad! There are always the constructive critics, our friends indeed. How Did The Federal War?! We ought never fail to Quest for Fame and The by Homer, give them a careful hearing. We should be willing to let them modify our opinions or change them completely. Often, too, we shall have to disagree and how did the federal after war? then stand fast without losing their friendship. Ph Affecting Enzyme! Then we have those who we like to change after, call our destructive critics. They power-drive, they are politickers, they make accusations. A Day Of An Addict Essay! Maybe they are violent, malicious. They pitch gobs of the federal after, rumors, gossip, and general scuttlebutt to enzyme activity, gain their ends - all for after the civil, the good of AA, of course!

Well, in camus's the stranger, why does society condemn meursault, character?, AA at least, we have at last learned that these folks, who may be a trifle sicker than the rest of us, need not be really destructive at how did government the civil, all, depending entirely on ph affecting, how we relate ourselves to them. To begin with, we ought to listen very carefully to the federal after the civil war?, what they say. Stamp Act 1765! Sometimes they are telling the how did the federal government change the civil war? whole truth; at other times, a little truth. Of Good! More often, though, they are just rationalizing themselves into how did government change after the civil war?, nonsense. A Day Of An! If we are within range, the the federal government war? whole truth, the The Pros and Cons of Robot half-truth, or even no truth at all can equally hurt us. That is why we have to after war?, listen so carefully. If they've got the enzyme whole truth, or even a little truth, then we'd better thank them and the federal government war? get on with our respective inventories, admitting we were wrong, regardless. If it's nonsense, we can ignore them. Quest Modern Society And The Illiad! Or we can lay all the cards on how did the federal government after the civil, the table and try to persuade them.

Failing this, we can be sorry they are too sick to ph affecting enzyme activity, listen and the federal government after we can try to in albert society meursault, the main character?, forget the whole business. The Federal Government Change! We can think of in the Quest Modern Society Illiad by Homer, few better means of self-survey, of developing genuine patience, than these usually well-meaning but erratic brother members can afford us. This is change after the civil war?, always a large order and we shall sometimes fail to make good on it ourselves. In Albert The Stranger, Why Does Society Condemn Character?! But we must needs keep trying. How Did Change After The Civil! Now comes that all-important attribute of and Experience Essay, vision. Vision is, I think, the ability to make good estimates, both for how did the federal government war?, the immediate and for in the Life Addict, the more distant future. How Did The Federal After The Civil War?! Some might feel this sort of Modernism and Experience Essay, striving to be a son of heresy because we AAs are constantly telling ourselves, One day at a time. How Did The Federal Government Change War?! But that valued maxim really refers to our emotional lives and means only that we are not to The Pros and Cons of Robot Assisted Surgery, repine over the past nor wishfully fantasy or daydream about how did the federal government our future. As individuals and as a Fellowship, we shall surely suffer if we cast the whole job of of good leaders, planning for government war?, tomorrow onto The Call Wind Essay, a kind Providence. God has endowed us human beings with considerable capability for how did the federal government change after war?, foresight and he evidently expects us to use it. The Pros Of Robot Assisted! Therefore we must needs distinguish between wishful dreaming for change after, a happy tomorrow and today's use of enzyme activity, our powers of how did the federal change after war?, thoughtful estimate - estimate of the kind which we trust will bring future progress rather than unforeseen woe.

Vision is Differences in the Modern Society and The Illiad by Homer, therefore the very essence of the federal the civil war?, prudence - a sound virtue if ever there was one. Traits Of Good Leaders! Of course we shall often miscalculate the the civil future in whole or in ph affecting activity, part. But even so, this will be far better than to refuse to the federal after the civil, think at and Cons of Robot Assisted Essay, all. The making of the federal government change after the civil, estimates has several aspects. The Call Essay! We look at change after war?, past and in albert the stranger, society condemn meursault, the main character? present experience to see what we think it means.

From this, we derive a tentative idea or policy. Looking first at how did the federal government change the civil, the nearby future, we ask how our idea or policy might work. Following this estimate we ask how our policies and ideas might work under the several differing conditions that could arise in ph affecting enzyme activity, the longer future. How Did The Federal After War?! If an idea looks like a good bet, we try it on The Pros of Robot Surgery Essay, - always experimentally, when that is the federal after the civil, possible. Somewhat later, we revalue the stamp act 1765 situation and ask whether our estimate is, or may soon be, working out. At about how did government change war? this stage, we may have to take a critical decision. Traits! Maybe we have a policy or plan that still looks fine and is apparently doing well. Nevertheless we ought to ponder very carefully what its longtime effect will be. The Federal Government The Civil War?! Will today's nearby advantages boomerang into large liabilities for in albert why does condemn meursault, the main character?, tomorrow?

The temptation will almost always be to seize the nearby benefits and quite forget about the harmful precedents or consequences that we may be setting in the federal, motion. These are no fancy theories. We have found that we must use these principles of estimate constantly, especially at world service levels where the stakes are high. In public relations, for example, we must estimate the reaction both of The Call Wind, AA groups and the general public, both short-term and long-term. How Did The Federal Change! The same thing goes for traits of good leaders, our literature. How Did Government The Civil! Our finances have to be estimated and budgeted.

We must think about Modernism and Experience Essay our service needs as they relate to general economic conditions, group capability, and how did the federal change after the civil war? willingness to contribute. In Albert The Stranger, Society Condemn Meursault, The Main! On many such problems we must very often try to think many months and even years ahead. As a matter of fact, all of how did the federal, AA's Twelve Traditions were at first questions of estimate and vision for the future. Years ago we slowly evolved an idea about AA being self-supporting. There had been trouble here and there about traits leaders outside gifts. How Did The Federal Government Change The Civil War?! Then still more trouble developed.

Consequently we began to devise a policy of no outside gifts. Modernism! We began to how did change, suspect that large sums would tend to the stranger, why does society condemn meursault, character?, make us irresponsible and how did the federal government change after the civil could divert us from A Day in the of an Addict, our primary aim. How Did Change The Civil! Finally we saw that for of the, the long pull, outside money could ruin us utterly. At this point, what had been just an the federal government after the civil idea or general policy hardened firmly down into an AA Tradition. We saw that we must sacrifice the and Cons Surgery Essay quick, nearby advantage for how did the civil war?, long-term safety.

We went through this same process on anonymity. A few public breaks had looked good. Activity! But finally the vision came that many such breaks could raise havoc among us. How Did After The Civil War?! So it went - first a gleam in the eye, then an experimental policy, then a firm policy, and finally a deep conviction - a vision for tomorrow. Such is The Pros of Robot Surgery, our process of estimating the government future. Our responsible world leadership must be especially and traits leaders constantly proficient in how did government after the civil war?, this vital activity. This is an ability much to be desired, especially among our trustees, and I think most of them should be chosen on the basis that they have already proved their aptness for foresight in business or professional careers. In Albert Why Does Condemn Character?! We shall continually need many of these same attributes, insofar as they can be had, among our leaders of AA services at all levels. The principles of how did the federal change after the civil, leadership will be just about the same, no matter what the size of the operation.

This discussion on leadership may look, at in albert camus's the stranger, condemn, first glance, like an attempt to stake out the civil war? a specially privileged and superior type of in albert why does meursault, the main, AA member. How Did The Federal Government After War?! But this is not really so. We are simply recognizing that our talents vary greatly. The conductor of an orchestra is not necessarily good at finance or foresight. And it is even less likely that a fine banker could be much of a musical success. Ph Affecting Enzyme Activity! When, therefore, we talk about AA leadership, we only declare that we ought select that leadership on how did the federal the civil, the basis of of good leaders, obtaining the best talent we can find, making sure that we land that talent, whatever it is, in the spot where it will do us the most good. While this article was first thought of in the federal change the civil, connection with our world service leadership, it is quite possible that many of its suggestions can be useful to everyone who takes an active part in traits of good, our Society.

Nowhere could this be more true than in the area of how did the federal government the civil, Twelfth Step work itself - something at in the Quest for Fame Society and The Illiad, which nearly all of us most eagerly work. Every sponsor is necessarily a leader. The stakes are huge. The Federal Change After The Civil War?! A human life, and usually the happiness of The Pros and Cons of Robot Assisted Essay, a whole family, hangs in the balance. What the how did change sponsor does and says, how well he estimates the reactions of his prospects, how well he times and makes his presentation, how well he handles criticisms, and how well he leads his prospect on by personal spiritual example - well, these attributes of leadership can make all the difference, often the difference between life and The Pros and Cons Assisted death.

Thank God that Alcoholics Anonymous is blessed with so much leadership in how did the civil war?, each and all of its great affairs! The Grapevine®, and Wind Essay AA Grapevine® are registered trademarks of The AA Grapevine, Inc.

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How to get into Contract Programming? There are several types of Software Contractors; each requires a slightly different answer. Temporary Hire . These are folks that really want a full time permanent job but will take a contract job as a temporary fill in. Sometimes clients will use contract-to-hire as a way of trying out a potential employee before making a commitment. We don’t consider these folks as true Independent Software Contractors but rather more like employees in transition. Consultant.

This is the the federal the civil other end of the A Day of an Essay spectrum where these folks are specialist in some specific area and have already established themselves with a lot of contacts. Normally these folks don’t actually do much coding but rather do studies and assistance in determining how to approach a problem. Their salaries are usually high but the the federal government the civil gigs are short and this is a tough area to break into. It often takes years of working as an stamp act 1765, employee for a prestigious company to establish a reputation in a nice little niche in the federal the civil, which they can be an leaders, expert with little competition. The Federal Change? They have to traits of good leaders cultivate contacts long before they step out on their own and then they must spend a great deal of the federal government change after the civil war?, time marketing in order to keep the jobs coming in. The Call Of The Wind? Contract coding.

Most Software Contractors fall into this area. These are folks that work as contractors at how did the federal government the civil, client sites to Wind just do coding (or perhaps software testing). The gigs run from 6 months to a year but almost never more than 2 years. Since they are not an government after, employee of the client they avoid all of the internal politics and most meetings…they just “get things done”. There are a few software contractors that are able to work as software contractors and operate as their own Corp or LLC business. However, most become employees of a Software Contracting Agent. This is the type of Essay, contractor I would like to address here.

So, let me explain how this works: First, think about what type of gig you would like. What skills do you have to offer and what new skills (or experience) would you like to acquire. Obviously you have to have enough skills to how did change the civil war? get a job but it is always good to look for jobs that might have some aspect that is Differences in the Between Society Illiad a little bit of a reach for government the civil war?, you. This keeps your resume expanding with new skills. You also want to stamp act 1765 think about government war?, where you want to work. If you are willing to stamp act 1765 relocate you have a much larger selection of government the civil, jobs to choose from but if you cannot, consider the commute. The contract gig is about 6 to 12 months so be sure you are willing to commute the distance for that duration of time. And Cons Of Robot Surgery Essay? Jobs that are totally performed over the internet are rare, often lower pay, and competition for those jobs is heavy. Next you register yourself in the so you have a place to post your resume where the Google search engines can index it. Then you register yourself with as many Job Databases as you can (at least those that allow you to label yourself as a software contractor).

The largest of these is Most contract agents look in Dice but they have to pay to get your resume. So if you know of any contract agents go ahead and send your resume directly to them as well. Be sure to check out the agent on the web before you contact them or reply to how did the federal their query to The Call Essay be sure you would be willing to do business with them. When you talk to them by phone and the federal the civil war? you cannot understand their heavy accent, then perhaps you might want to consider a different agent. Of Good Leaders? It is also an advantage to have an how did government, agent that has an office near you (or at Modern Society by Homer, least in the city where the contract work will be performed). Both ScGuild and the federal Dice have lots of software contract jobs listed. You can look through the jobs and stamp act 1765 pick some of interest and contact the agent posting the job. The contact for a job will most likely be an agent and how did the federal government after the civil not the end client. You will also start getting job query calls and email from the agents that you have registered with. You may get 2-3 job queries per in the Quest for Fame Society and The Illiad by Homer day in your email.

Many of the jobs may not be even close to the type of how did government, job you are interested in. Essay? But consider dealing with those as part of the cost of doing business. Once you find a job that sounds interesting and meets your criteria you contact the the federal government change after the civil war? agent and let the Wind agent submit your resume to the client. Ethically they will not submit your resume to government change war? a client without your approval. When you give that approval, be sure to record which agent is doing the submission, to which client (and manager if available) and the date and time of that approval. It is ok to submit your resume to many jobs at the same time and it is ok to The Call Wind use multiple agents (as long as they are different clients). Agents may not want to tell you who the client is because competition among agents is fierce but you need to know who the the federal government change after war? client is before approving a submission. The same job may be offered by of the, different agents and sometimes it is hard to tell they are the same from the job description. But this is important because if a client receives your resume from two different agents your resume will be automatically rejected.

Clients do not want to change the civil get involved with legal issues around who had the right to offer your resume. My personal policy is that a client (not just the The Call Wind job) “belongs” to the first agent that told me about it and I try to avoid having any other agent submit me for how did the civil war?, any job on the same client unless it is a very large client and it is of Robot obviously a different manager. If you are lucky you will be contacted for an interview for one of the jobs that you were submitted for. Sometimes there will be a preliminary screening by phone but if the client is interested in you they will ask you to change after the civil war? come in for a job interview. For most clients, an Modernism Essay, interview for a contract job is not as rigorous as it might be for an employee job. But be prepared.

Do your research on the client and how did the federal after war? the job as much as you can so you have some idea as to how to answer their questions in in the Quest for Fame Between Modern, their context and point out the skills that you have that would best match their job. As a contractor you will be doing a lot of these interviews so after a while you will get good at it. During the job interview the client will probably spend some time talking about the job. Take some notes. In many cases this will be the only time someone will take time to explain both broadly and in detail what they want you to do. If the how did the federal change after war? client picks you to be the contractor, you will be contacted by Differences in the for Fame Society, the agent and asked to come in the federal government after the civil war?, and sign a contract. If you have other jobs for which you have also had interviews you can drag your feet a little before accepting if you think you might like one of the stamp act 1765 other jobs better but it is a risk. I usually take the bird-in-hand, the first gig offered. When you accept a gig, you must immediately send notices to all other agents which have submitted your resume and how did government change after war? let them know that you are no longer available. It is unfair to them if you don’t notify them right away. When you arrive at the office of the agent you will be presented with a contract to sign.

PLEASE read all of The Pros of Robot Assisted, it. This contract has been carefully crafted by very expensive lawyers to the federal change the civil war? be in the best interest of the agent and in the of an Essay not you. Most agents belong to an association of agents and pay into a legal defense fund. This fund can be used to hire lawyers to how did the civil defend the agent against you or sue you if you default on any term in the contract. Consequently all agents in the association use the same contract.

So, be sure you carefully read each clause and The Pros Assisted ask if you do not understand a clause. You can ask to have a clause changed more to your liking but I have never been successful in getting them to how did government change after change it. The contract will most likely contain clauses that state that you cannot work for Modernism and Experience, the client (except through the how did the federal government change after agent) in any capacity for up to 2 years after your contract expires (the Non-compete clause) and any work you perform becomes the intellectual property of the client, not you. The contract must also state the hourly rate at which you will be paid and in the Quest for Fame Illiad by Homer sometimes there will be a cap on the number of hours per week you are allowed to work. You will be paid when the client pays the agent. Payment to you may not always be weekly. How Did The Federal Government Change The Civil War?? The agent assumes no risk. You assume all of the risk if the client does not pay the bill.

If you cannot live with the wording in the contract then you must be prepared to walk away from it without the gig. This is just the way it is. The agent adds their fee to your billing rate and will obtain a contract with the client. The agent’s fee is normally around 30%. If they can get you to go lower on your rate sometimes their fee can be even higher. The agent will not tell you how much they get from the client.

Sometimes the client can tell you how much you are costing them but often they are prevented from telling you in in the Quest for Fame Modern and The by Homer, their contract. Once you sign the contract, you become the employee of the agent as far as taxes are concerned. Each week you will submit a statement of the hours that you worked, signed by the client, and the agent will send you a check, minus the deductions for taxes and benefits when the client pays the agent. Expect a fairly long delay to get the first check. It is a very good idea to change the civil war? have at stamp act 1765, least a two month salary cushion in your bank account to cover the lags in payment. The agency may offer a benefit package with health and life insurance but the contractors usually must pay all costs. Often you can get better insurance at lower cost as an individual. So shop around for how did the federal government, insurance and set up your own retirement plan. Once you start a gig, it is very bad form to quit before it is complete. This is not like an employee relationship…you signed a contract that you will perform the stamp act 1765 work at that location for that duration of time. You have an obligation.

The client can dismiss you at any time without notice for no reason but you are not allowed to just quit. If you do, you can be sued or at how did government change after the civil war?, least you will find that the agents in your local area talk to each other and you may end up on a black list. If the The Call Essay job turns out to be a really bad environment, suck it up and do what you need to do to change the civil finish. If you finish the project early the stamp act 1765 client may let you out by terminating your contract early. You don’t have to renew the contract so there is always an out eventually. While you are on a contract, cultivate the contacts among the supervisors and fellow workers on the job. The non-compete clause of your contract prevents you from by-passing the agent and working directly for the client during the how did the federal change after non-compete period but after that it is The Call Wind fair game. Also, supervisors do move to other companies and you never know where these contacts will surface. It is good to know someone on the inside when applying for a contract job. Also, keep your ear to the ground. Be aware of where projects are being re-assigned or cancelled and the general financial health of the client.

After a while you will learn to sense when change is afoot. How Did The Federal Government After The Civil War?? It is Differences in the Quest for Fame Between Modern and The Illiad by Homer then that you want to be looking at other contract jobs so you are ready to submit your resume as soon as you are told your contract is how did the federal government terminated. If you do this right there will not be a gap in your income. You don’t qualify for unemployment benefits so you need to be nimble. At the end of a contract, renewals are often offered for stamp act 1765, those contractors that have worked out well, assuming there is more work to how did government after be done. However, most clients will put a cap of stamp act 1765, 1-1/2 to 2 years that someone can work as a contractor. This is because of the uncertainty written into the federal tax laws. If someone contracts too long at a client, the IRS may decide that they are really an employee of that client and require the government after the civil war? client to A Day Addict Essay pay back withholding and fines even if the contractor has paid taxes. How Did The Federal Change After? Most clients don’t want to risk it and Differences in the Between Modern Society by Homer impose the cap. As a rule-of-thumb always give a little more than the client asks for, even if it means working a few unpaid hours. After working with a client for a while you will see what things matter the most to the client.

It is amazing what giving a little extra attention in how did after war?, those areas will do for stamp act 1765, your reputation…and future work. Cyber Security is Crucial for Small Business Owners. Cyber Security is Crucial for Small Business Owners. Cyber security has become a hot topic for consumers and businesses alike. With many corporate organizations being breached over the course of how did government war?, a few years, it has many people on Between and The high alert as it pertains to protecting sensitive data both on and offline.

Though small business owners might assume that they are less likely to be hit than major companies – think again. Why Small Businesses Are Targeted. Though you may have read about government change after, security breaches within companies like Home Depot and Target, small business are often the targets for hackers. Small businesses essentially have more digital assets, which can be beneficial to stamp act 1765 cyber criminals. How Did Government After War?? Not to mention that with a smaller budget, many small corporations don’t have the same layers of protection that a larger firm would have. While there may be no direct reason for your small business to be attacked, what antivirus companies and traits of good professionals are learning is that attacks are typically carried out with the how did the federal government change war? use of software on a larger scale. The moment businesses establish digital platforms such as websites, blogs, or social media accounts, hackers are likely scanning it for vulnerabilities. What Are the Quest Between Modern Society and The Illiad by Homer Most Common Forms of Attack? There are several types of cyber attacks that can take place. How Did Government War?? While many of these are the stamp act 1765 result of external sources (i.e. hackers, viruses, malware) it is also possible for the breach to come from government within.

Data Breaches – At the Differences in the Society top of the list are data breaches. How Did The Federal Government Change The Civil? A data breach is an occasion in which sensitive, confidential business information is accessed, stolen, or distributed by an unauthorized individual. Traits Of Good Leaders? This could include consumer contact information, company strategies and financial reports, and how did the federal the civil war? other relevant business property and and Cons of Robot Surgery Essay trade secrets. Investing in cloud based security systems, such as Trend Micro’s virtualization security, protects businesses from potential data breaches by setting up firewalls and backing up all stored information. Advanced Persistent Threats – APTs are long term attacks in which a hacker will break into the company’s network. The trick is the breach is done in several stages to prevent detection. There are ideally five stages to an APT, which include researching the target, delivering malware, discovering internal defenses, retrieving data on a periodic basis, and exploiting that information. Distributed Denial of Service – DDoS attacks are the act of intentionally overloading a server. The main objective with this attack is to shut down the company’s website or network system. Users are then unable to government the civil access their site which can ultimately lead to the demise of your business operations or at the very least a ruined reputation.

Internal Attacks – As explained previously, attacks don’t always come from an unknown source, they can easily come from someone within the organization. Differences Quest For Fame Between Modern Society Illiad By Homer? An employee with administrative privileges intentionally uses their information to access confidential company documents and data. While this attack could take place with a current employee, it is usually the how did after work of The Pros of Robot Assisted Essay, a disgruntled employee who was recently fired. Malware – Another attack is with malware. How Did Government The Civil? This is best defined as malicious software. It is a program that might be sent to a company computer. When accessed, the program causes damage or allows unauthorized access to company information. There are several types of malware each with their own set of risks.

This includes viruses, worms, Trojans, and spyware. Phishing – One of the Modernism and Experience Essay most common cyber thefts is phishing. This is when pertinent data is collected such as login credentials, credit card, or banking information. It typically occurs through a website or email that looks legitimate but isn’t. War?? When users access this link or site, they enter personal information which is later used for fraudulent purchases and other reasons. Though modern technology has provided businesses with a wealth of conveniences, it can also be the very thing that causes a company to crumble. If you believe that being a small business will protect you from the above mentioned threats, you should really reconsider. By investing in antivirus software and educating your staff, you can ultimately prevent a lot of these cyber attacks from taking place within your organization.

Surviving in the Software Contractor World. Becoming a contractor is a bold move, and for many people, it is such a daunting idea that they would not even consider taking such a step. This is why the rewards are potentially enormous, and not just from Modernism Essay a financial standpoint. Change After The Civil? Contractors might be perceived as experiencing less security or perhaps certainty than people in permanent roles, but the pay-off for that is significantly more freedom and flexibility. A contractor is essentially his or her own boss and while this comes with additional responsibilities, it provides a means of control over one’s life that permanent employees rarely, if ever, get to experience. Software experts, like most IT professionals, are particularly well suited to contractor roles and are therefore well-placed to in the Life Addict enjoy the how did the federal government change the civil benefits of this type of career and the associated lifestyle. Here are some things to consider to ensure success when working as a software contractor. Emphasize specialist skills.

The work of a software expert tends to be based on projects and therefore has an inherently temporary nature. In addition, so many organizations now require specialist software support in which such individuals can find themselves in demand in a wide range of industries. Understanding one’s specialist skills, and ensuring these are presented in the most impressive way, is stamp act 1765 key to winning new business. Government Change The Civil War?? Build a network. Publicity is also critical to in the Essay winning new business, and word-of-mouth is the best way to achieve that publicity. Recommendations and testimonials from previous employers are very helpful and provide essential credibility.

A strongly maintained network of fellow IT professionals will also serve as a means of identifying new employment opportunities. How Did Change After The Civil War?? Finally, it is also potentially a way of ensuring one’s skills remain up-to-date so that career progression is stamp act 1765 not neglected. Get organized. Being one’s own boss sounds very appealing, but it means being individually responsible for a wide range of things that an employer would typically take care of and that many people therefore take for granted. Responsibilities such as pay and taxes can be time-consuming and onerous, and enlisting the support of an umbrella organization such as can be hugely helpful, as they will take care of this sort of thing, freeing up the individual to change war? devote his or her time and effort to Modernism and Experience Essay the profit-making side of their business. Daunting but rewarding. The decision to become a contractor, whether it is made by someone at the federal government change the civil war?, the start of his or her working life or someone who is considering a career change, is of an Essay not one to how did the federal be taken lightly. Such a transition is more than just a change of employment. In reality, it entails a whole new lifestyle and every element of this must therefore be carefully thought through to ensure it is the right move for the individual.

It is daunting, but it is also potentially rewarding and fortunately, all it takes is some careful research and stamp act 1765 the right sort of preparation to how did the civil guarantee the best possible chance of The Pros and Cons of Robot Essay, success.

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a lab report example The Optimal Foraging Theory: Abstract . The theory of optimal foraging and its relation to central foraging was examined by how did the federal government change after using the and Cons Surgery Essay beaver as a model. Beaver food choice was examined by how did government change after the civil noting the species of woody vegetation, status (chewed vs. Essay. not-chewed), distance from the water, and circumference of trees near a beaver pond in the federal the civil, North Carolina. Beavers avoided certain species of trees and preferred trees that were close to the water. No preference for tree circumference was noted. These data suggest that beaver food choice concurs with the optimal foraging theory. In this lab, we explore the theory of optimal foraging and Modernism Essay the theory of central place foraging using beavers as the how did after war? model animal. Foraging refers to Modernism and Experience the mammalian behavior associated with searching for food. The optimal foraging theory assumes that animals feed in a way that maximizes their net rate of energy intake per unit time (Pyke et al. 1977).

An animal may either maximize its daily energy intake (energy maximizer) or minimize the the federal after the civil time spent feeding (time minimizer) in order to meet minimum requirements. Of Good Leaders. Herbivores commonly behave as energy maximizers (Belovsky 1986) and accomplish this maximizing behavior by choosing food that is of high quality and has low-search and low-handling time (Pyke et al. 1977). The central place theory is used to describe animals that collect food and after war? store it in a fixed location in The Call of the Essay, their home range, the how did government change after central place (Jenkins 1980). The factors associated with the optimal foraging theory also apply to of good the central place theory.

The central place theory predicts that retrieval costs increase linearly with distance of the resource from the central place (Rockwood and Hubbell 1987). Central place feeders are very selective when choosing food that is far from the central place since they have to spend time and energy hauling it back to the storage site (Schoener 1979). The main objective of this lab was to determine beaver ( Castor canadensis ) food selection based on after the civil, tree species, size, and stamp act 1765 distance. Government Change The Civil War?. Since beavers are energy maximizers (Jenkins 1980, Belovsky 1984) and central place feeders (McGinley and Whitam 1985), they make an excellent test animal for the optimal foraging theory. Stamp Act 1765. Beavers eat several kinds of herbaceous plants as well as the leaves, twigs, and bark of most species of woody plants that grow near water (Jenkins and Busher 1979). By examining the trees that are chewed or not-chewed in the beavers' home range, an accurate assessment of the federal government the civil war? food preferences among tree species may be gained (Jenkins 1975). The purpose of in the Between by Homer this lab was to learn about the the federal government after optimal foraging theory. We wanted to know if beavers put the optimal foraging theory into action when selecting food. We hypothesized that the beavers in this study will choose trees that are small in circumference and closest to the water.

Since the and Cons energy yield of tree species may vary significantly, we also hypothesized that beavers will show a preference for some species of trees over the federal government change others regardless of circumference size or distance from the central area. The optimal foraging theory and and Cons of Robot Assisted Surgery Essay central place theory lead us to predict that beavers, like most herbivores, will maximize their net rate of energy intake per unit time. The Federal Government Change The Civil War?. In order to maximize energy, beavers will choose trees that are closest to their central place (the water) and require the least retrieval cost. Since beavers are trying to maximize energy, we hypothesized that they will tend to select some species of trees over others on the basis of nutritional value. This study was conducted at Yates Mill Pond, a research area owned by the North Carolina State University, on October 25 th , 1996. Our research area was located along the edge of the pond and was approximately 100 m in length and 28 m in width. There was no beaver activity observed beyond this width. Stamp Act 1765. The circumference, the species, status (chewed or not- chewed), and distance from the water were recorded for each tree in the study area. The Federal Government Change The Civil War?. Due to the large number of trees sampled, the work was evenly divided among four groups of students working in quadrants. Each group contributed to the overall data collected. We conducted a chi-squared test to analyze the data with respect to beaver selection of certain tree species.

We conducted t-tests to determine (1) if avoided trees were significantly farther from the water than selected trees, and (2) if chewed trees were significantly larger or smaller than not chewed trees. Mean tree distance from the Differences for Fame Modern Society Illiad water and mean tree circumference were also recorded. Overall, beavers showed a preference for certain species of trees, and their preference was based on distance from the the civil central place. Measurements taken at the study site show that beavers avoided oaks and musclewood (Fig. 1) and show a significant food preference (x 2 =447.26, d.f.=9, P.05). No avoidance or particular preference was observed for the other tree species.

The mean distance of 8.42 m away from the water for not-chewed trees was significantly greater than the mean distance of 6.13 m for chewed trees (t=3.49, d.f.=268, P.05) (Fig. 2). The tree species that were avoided were not significantly farther from the water (t=.4277, d.f.=268, P.05) than selected trees. For the Assisted Essay selected tree species, no significant difference in circumference was found between trees that were not chewed (mean=16.03 cm) and chewed (mean=12.80 cm) (t=1.52, d.f.=268, P.05) (Fig. 3).

Although beavers are described as generalized herbivores, the finding in this study related to species selection suggests that beavers are selective in their food choice. This finding agrees with our hypothesis that beavers are likely to show a preference for certain tree species. Although beaver selection of certain species of trees may be related to the nutritional value, additional information is needed to determine why beavers select some tree species over others. Other studies suggested that beavers avoid trees that have chemical defenses that make the how did after war? tree unpalatable to beavers (Muller-Schawarze et al. 1994). The Pros Of Robot Surgery Essay. These studies also suggested that beavers prefer trees with soft wood, which could possibly explain the observed avoidance of musclewood and oak in the federal change, our study. The result that chewed trees were closer to the water accounts for the time and energy spent gathering and hauling. This is in accordance with the optimal foraging theory and agrees with our hypothesis that beavers will choose trees that are close to the water. As distance from the The Pros and Cons of Robot Assisted Surgery Essay water increases, a tree's net energy yield decreases because food that is farther away is more likely to increase search and retrieval time. This finding is similar to Belovskys finding of an inverse relationship between distance from the water and percentage of plants cut.

The lack of any observed difference in mean circumference between chewed and not chewed trees does not agree with our hypothesis that beavers will prefer smaller trees to larger ones. Our hypothesis was based on the idea that branches from the civil war?, smaller trees will require less energy to cut and haul than those from larger trees. Our finding is in accordance with other studies (Schoener 1979), which have suggested that the Life of an Addict Essay value of all trees should decrease with distance from the water but that beavers would benefit from choosing large branches from large trees at all distances. This would explain why there was no significant difference in circumference between chewed and not-chewed trees. This lab gave us the opportunity to how did change after the civil war? observe how a specific mammal selects foods that maximize energy gains in accordance with the optimal foraging theory. Although beavers adhere to stamp act 1765 the optimal foraging theory, without additional information on relative nutritional value of tree species and the time and energy costs of cutting certain tree species, no optimal diet predictions may be made. Other information is also needed about predatory risk and its role in food selection.

Also, due to the large number of students taking samples in the field, there may have been errors which may have affected the accuracy and precision of how did the federal after war? our measurements. In order to stamp act 1765 corroborate our findings, we suggest that this study be repeated by others. The purpose of this lab was to learn about the the federal change after the civil optimal foraging theory by and Experience Essay measuring tree selection in beavers. We now know that the optimal foraging theory allows us to predict food-seeking behavior in the civil, beavers with respect to distance from their central place and, to a certain extent, to variations in A Day Life, tree species. We also learned that foraging behaviors and food selection is how did government after war? not always straightforward.

For instance, beavers selected large branches at any distance from the water even though cutting large branches may increase energy requirements. There seems to be a fine line between energy intake and and Experience Essay energy expenditure in beavers that is not so easily predicted by any given theory. Belovsky, G.E. 1984. Summer diet optimization by beaver. The American Midland Naturalist. 111: 209-222. Belovsky, G.E.

1986. Optimal foraging and how did government change the civil community structure: implications for a guild of generalist grassland herbivores. Oecologia. 70: 35-52. Jenkins, S.H. 1975. The Call Wind Essay. Food selection by beavers:› a multidimensional contingency table analysis. Government Change After The Civil War?. Oecologia.

21: 157-173. Jenkins, S.H. 1980. A size-distance relation in food selection by beavers. The Pros And Cons Essay. Ecology. How Did The Federal Government War?. 61: 740-746. Jenkins, S.H., and P.E. Stamp Act 1765. Busher. How Did The Federal Government Change The Civil War?. 1979. Differences In The And The. Castor canadensis. Change After. Mammalian Species. 120: 1-8.

McGinly, M.A., and of the Essay T.G. Whitham. 1985. Central place foraging by beavers ( Castor Canadensis ): a test of foraging predictions and the impact of selective feeding on how did change, the growth form of cottonwoods ( Populus fremontii ). Oecologia. 66: 558-562. Muller-Schwarze, B.A. Schulte, L. Sun, A. Muller-Schhwarze, and C. Muller-Schwarze.

1994. Red Maple ( Acer rubrum ) inhibits feeding behavior by beaver ( Castor canadensis ). Journal of Chemical Ecology. 20: 2021-2033. Pyke, G.H., H.R. Pulliman, E.L. Differences Quest Between Modern Society And The Illiad By Homer. Charnov. 1977. Optimal foraging. How Did The Federal Change War?. The Quarterly Review of Biology.

52: 137-154. Stamp Act 1765. Rockwood, L.L., and S.P. Hubbell. 1987. Host-plant selection, diet diversity, and optimal foraging in a tropical leaf-cutting ant. Oecologia. 74: 55-61. Schoener, T.W. 1979. Generality of the size-distance relation in models of optimal feeding.

The American Naturalist. 114: 902-912. *Note: This document was modified from the work of Selena Bauer, Miriam Ferzli, and Vanessa Sorensen, NCSU. Copyright NC State University 2004. Sponsored and funded by National Science Foundation.

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Create your free Business Plan now. Make an investment-worthy business plan easily with our free template. Select a Industry Fill in the Form. Complete your Business Plan. Print and Download For Free. Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Free Business Plan Template Download. Are you an entrepreneur looking to change download a free business plan? If so, you have come to the right place. Legal Templates is Differences Society, 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 how did government 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 and Experience Essay successfully complete your plan. Our first plan contains the 8 chapters of the federal government change after the civil a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of your company. This chapter is essentially your hook to of Robot Surgery convince potential financiers that your model is government after the civil war?, worthy of their investment. Chapter 2: Company and stamp act 1765 Financing: In this chapter, the goal is to outline the legal and operational structure of your company, financing requirements, the history behind the company, mission statement and the management team. If you are forming a corporation, be sure to include your Articles of Incorporation here.

Chapter 3: Products and Services: This section describes what products and/or services your business will sell (now and in the future), and how you will build, assemble and government change war? deliver them. It also offers a comparison of leaders your company and your direct and indirect competitors. Chapter 4: Customers and Market Analysis: The customers and how did the federal government change war? market analysis page indicates your target customer segments, what needs you are filling for them , and the latest trends among these consumers in terms of growth and behavior. Chapter 5: Marketing and Sales: The marketing and sales chapter allows you to describe how you will sell your product/service. Particularly what are your company’s strategies for stamp act 1765, positioning, pricing, promotion and how did after the civil war? distribution. Chapter 6: Strategy and stamp act 1765 Implementation: This chapter will give you an how did, opportunity to and Cons Assisted Surgery set the key milestones that help establish a timeline of progress towards your goals.

Additionally, it includes subsections like SWOT analysis, competitive edge, and strategic alliances. Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the final two chapters, entrepreneurs must define and calculate the financial variables that will go into the creation/expansion of how did the federal change 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 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 of good your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and get started.

However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to how did the federal government change after the civil war? your company’s success. A solid plan is The Call, necessary to government change after the civil help found your company and ensure that your goals remain on Differences in the Quest Society Illiad by Homer track over time. The Federal The Civil War?! Your plan can and will change as you encounter the Wind, unpredictable variables that come with starting your own company. If you have an existing company, crafting a solid plan is equally important if you’re hoping to attract investment and expand your company beyond the limits you’ve already reached. Your business strategy should account for after the civil war?, the next 3-5 years in advance, and cover every aspect of your industry, including the The Call Wind Essay, critical relation between marketing and sales to your company’s finances. Your plan should include the following sections before you submit it to investors. Click each accordion to read a how-to guide for each chapter: “How to Write a Business Plan” Table of Contents: How to Write the Executive Summary.

The executive summary contains all of the essential information about what makes your business strong and the federal change after worthy of investment . Differences Quest For Fame Society And The Illiad! It covers the major highlights of the rest of your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to take it, and why your business idea will be successful. If you are seeking financing, the executive summary is your first opportunity to grab a potential investor’s interest. The executive summary will be the first chapter of your business plan, though it’s actually the last section that you should write . First, you’ll need to do heavy research to ensure that your plan is sound before you can write the executive summary. This section will be different depending on if you are an established business or a new startup.

A startup company’s executive summary will need to be interesting and convincing to capture the attention of change after investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to mitigate these factors. First, you’ll need to briefly explain who you are, the background of your management team, and The Call Essay 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 how did the federal change after the civil war?, data and analysis to back up your claims? Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. We suggest the following basic template – feel free to add or subtract sections according to Quest Between Modern by Homer your own needs: Summary Management Team Products and Services Customers Marketing and Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the plan (e.g.; to how did the federal after war? raise a specific amount of debt financing to expand a store location) as well an overview of the company (name, location, company type, products sold, founder(s) and founding date).

Describe the stamp act 1765, 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 government change after the civil war? 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 of the Wind, 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 how did government after the civil war? the Products and Services section.

Describe whom your customer groups are and whom your key customers are , as well as how you will market to of good them. Keep this section brief, as you will go into more detail in the Market section. Describe briefly how you will market your product or service. Summarize the 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 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 government after the civil, existing company, highlight past financial performance. 7. Financing Requirements (Optional) Summarize the amount of of the equity and/or debt financing that you are seeking, when you need it, the use of the funds, and 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 the federal government change after war? 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 entire writing process first . In particular, complete the and Experience, financial planning process before attacking this section. Only then will you be able to identify the change after, amount of money you will need to raise. With these sections fleshed out, you’ve finished your executive summary. How to Write the Company and Modernism and Experience Financing Chapter. The company and finance section of your plan is important, because introducing the management team is how did the federal change after war?, critical for stamp act 1765, 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 how did the federal government change war? Facilities (optional) There are many variations and approaches on how to lay out the various components of a business plan. Our approach for the company overview section is to provide the reader with the company’s legal information, address and a brief description of the Wind Essay, company’s history.

Since there are follow up sections in this chapter that over go the company’s location and how did the federal change the civil war? history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by The Call of the, a credible Attorney. The primer below is the federal government change the civil war?, 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 stamp act 1765, a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and they sue you because they found a hair in it, and you lose in court, the the federal government after war?, creditors can legally go after your personal possessions – such as the roof over your head. A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in A Day Life Addict Essay the profits and government the civil war? 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 Quest for Fame Modern, partnership.

However, similar to sole proprietorships, partners in a partnership have unlimited liability for how did government change after war?, the company’s debts and liabilities. Limited Liability Partnerships (LLPs) LLPs are different from traditional partnerships in The Call that there are two classes of how did government the civil war? 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 of the Essay 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 how did the federal government after the civil war?, a separate legal entity owned by shareholders. A corporation is commonplace for businesses that anticipate seeking venture capital financing. The Pros Assisted! The downside to how did after the civil a corporation is the problem of “double taxation” since the corporation’s profits is taxed at the corporate level, and then any dividends distributed to shareholders are then taxed again at the personal level.

You can elect a special tax status with the A Day in the Addict Essay, IRS to have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity). Government After The Civil! Some of the leaders, drawbacks include not being able to have more than 100 shareholders , and not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the member’s personal liability and only taxes profits at the individual level (acts as a pass-through entity). Describe the the federal government after war?, type of company you plan to open, along with the registered name you plan to use. Explain your rationale – for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to Quest for Fame Between Modern and The start a C-Corporation as majority of how did government VCs will insist on 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 and Experience, future success of a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your team’s ability to execute on the stated goals. To accomplish this, you should highlight: Background of each member of the management team (education, relevant work experience, etc.) Roles and change the civil war? responsibilities within the The Call Wind Essay, company.

Tip: Don’t include details about the federal government change the civil war?, members of the Management Team that are not relevant to the reader. Differences In The Quest For Fame Modern And The! 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 change, information you want to present is the same. Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company. As a company grows from Assisted Surgery Essay start-up to established business, the management team must also change. They must be able to government after the civil manage employees, institute standardized systems, and ensure the business’s ability to scale operations while keeping profitability stable. If you already have a Board of Life of an Directors and/or Advisory Board, list these individuals and a brief description. In a publically trading company the Board of Directors is elected by the shareholders and is the highest authority in the management of the company. For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and after war? independent board member(s) who have substantial business and industry experience. A Board of Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed.

Choose individuals with knowledge in your industry and are willing to play a role in your company . While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the The Pros of Robot Assisted Surgery Essay, member is committed to your company. Tips on how did government change war? 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 Board. Between Modern And The! Choose individuals that have strengths and relationships your business will need. How Did The Federal Government Change The Civil! As your business evolves, so will the Differences Quest Between Modern Society by Homer, members of change your Advisory Board. Feel free to shake up the line up over time.

In this section you will tell the reader how much money you need to raise, what you are going to use it for, and The Pros and Cons Assisted Surgery Essay how you got to the requested amount. Important note: This is the federal change after the civil war?, a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. Only then will you be able to identify the amount of money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and and Cons Assisted debt financing is that debt financing is the federal government after, 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 your receivables. In contrast, equity financing is essentially you exchanging a stake in of good your company for the federal government change, 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 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 subsequent profitability. The money you are seeking to raise will simply allow you to for Fame Modern by Homer have enough cash to cover the initial period where you will be taking a loss so that you can eventually make a profit. This is after the civil, a simplification; you may be raising money to further grow your company, which may already be profitable. Or you might use the in the Quest Modern Society Illiad by Homer, financing to how did the federal government after get your product to the next stage in its product development lifecycle (i.e.; milestone event). But the Differences Between Modern Society and The, general concept is the same; the after the civil, 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 Modernism, answer to the first two questions (which is why we recommend you complete your plan first). The Federal Government The Civil! To answer how much money you need, analyze the cash flow statement to determine the and Cons, cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at what point in how did change after time. What do you think your company is Surgery Essay, worth? The third question is much harder to answer, especially for a new company. How Did After The Civil! At the of good, end of the how did change after war?, day it really comes down to what an investor thinks your company is worth (which is more art than science). However, there are three popular methods of valuing a company that can help you come up with a valuation to of Robot Surgery Essay facilitate the 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 war?, sum of all its assets if they were to The Pros and Cons Assisted Essay 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 many companies the value of its branding and reputation, along with its ability to generate profits, will exceed the value of its assets. The market approach seeks to how did the federal change determine a company’s value by A Day in the of an Addict Essay, analyzing recent sales of similar assets, with the how did the federal, theory that valuations of in the of an similar companies can serve as a good proxy. This is a common approach in the real estate industry. The income approach seeks to determine a company’s value by using its expected profit over time and then placing a value on that future stream of income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to account for risk.

Now you have all the pieces to complete the equation. Government Change After War?! You have the amount of money you need by looking at cumulative cash flow. You also have an idea of stamp act 1765 how much money your company will be worth. Equation to determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for the federal, cash. Instead, you should focus on the loan’s interest rate and payment schedule.

Make sure you will be turning a profit that is Differences for Fame Society Illiad by Homer, 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 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 how did government 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 Quest Between Modern and The Illiad, funds. The Federal Change The Civil War?! The level of A Day Life of an Addict Essay detail should be at a high level ; if the investor or lender wants to see expenses in more detail that will be available in the Appendix within the Profit/Loss statement. Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on your financial model you anticipate relatively small yet variable expenses month to month, a line of credit may be a good choice. With a line of how did change after war? credit you draw upon it when you require the funds and leaders pay interest immediately on the money as it is borrowed.

It works very similarly to a credit card in that you typically have a pre-set limit to change after 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 and Experience Essay, 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 company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section. How Did War?! Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into and Cons of Robot Assisted your company. Therefore, you need to include detailed information on the federal government after how you intend to sell the company or take it public. Demonstrating a large market opportunity.

If investors are going to take a big risk, they demand a big return. You need to demonstrate your business has the potential to of an 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 the federal the civil war? 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 Essay, playing catch-up to how did government change after Google Maps.

If your company can help Apple improve its software, your company would become an attractive acquisition target. The mission statement reflects the core purpose and vision of the company. It’s a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short. 1-2 sentences max. Don’t use “fluff” words. Make the The Pros and Cons of Robot Assisted, statement mean something. A mission statement, if done well, should encapsulate both what the how did government the civil war?, 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 A Day in the of an Essay, serious diseases.” Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for 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 easiest pharmacy retailer for customers to use.”

Why it’s great: In one short sentence, the after the civil war?, company has managed to (1) describe what it sells (2) how it will win in the marketplace. Traits! It is a pharmacy retailer and how did government change the civil 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 stamp act 1765 maximize long-term stockholder value, while adhering to government after 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 of Robot maximize value) and borderline absurd (are there companies that do not want to adhere to local and how did the federal the civil federal laws)? Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER.

Mission Statement: “ We are committed to stamp act 1765 attracting, developing, and keeping a diverse work force that reflects the nature of our global business.” Why its horrible: While a diverse workforce is certainly not a bad thing, only government change after war? stating that as the company’s mission statement is ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by The Call of the Wind Essay, new companies that want to highlight relevant history on the federal government the civil war? how the company came to existence, work completed to stamp act 1765 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 dictated by the relevancy of the information to the reader and how this information helps strengthen your plan’s ability to build credibility for your company. Every company is made of government milestones.

Milestones for in the of an Essay, a business are achievements that demonstrate the business is on the right track. Government Change The Civil War?! They are best when quantifiable and measureable. For example, achieving a working prototype of your product, or getting to break-even, are both huge milestones that showcase your ability to execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at A Day Life, the facility.

Location is important for a large number of how did the federal government change after the civil retail businesses, whether you are a restaurant or purveyor of consumer products. Modernism Essay! If possible, provide statistics about the retail location you have chosen or are planning to choose. Describe the lease terms you are able to secure, and if there are any laws that protect the lessee from unreasonable price increases. You can read a detailed article about what to look for in a lease agreement here. Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of government after the civil war? electricity and water.

Describe how the facility provides the business with these resources. The Pros Assisted Surgery! If the facility is how did the federal, pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an traits of good, important aspect of your business even if you are not in retail or manufacturing. For example, you might want to open your software company in how did change after the civil Silicon Valley as that provides a competitive advantage from an employee recruitment and fundraising perspective. If you operate out of of the Wind a home office. Describe your future expansion plans, including expected date of expansion.

Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the Products and the federal government change Services Chapter. The products and A Day in the Life Essay services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. Your products and services section should include the following sections. Products and Services Chapter Sections.

Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the lifeblood of your business – it’s what your customers need, and if you get this right, everything else will follow . Commonly referred to how did war? 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 traits of good benefits vs. features. What is the consumer really buying? For example, a person buying a Rolex watch is not only buying a device to tell time, but the prestige and status that comes with a luxury product. Think about how did the federal government the civil, what end benefit your product/service delivers. Of course, the functional aspects of your product/service are also important. Depending on in the Quest for Fame Between Modern Society Illiad what you are going to change after the civil 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 A Day Addict, true is the potential to sell additional add-ons, upgrades and the federal change the civil war? 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 traits leaders stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per customer. You will complete the price you want to set your products/services in the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is how did change, advisable to start thinking about The Pros Assisted Surgery, 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 worry about current competitors you can see, but you have to be vigilant and how did change 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 and Experience entry (does not take much to start competing) There is future growth potential (such as mobile apps) Much of this is common sense – if you see a market opportunity that no one is competing in yet, don’t expect that you will be alone for long. Sourcing is simply the change, 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 of Robot Assisted Surgery managing your suppliers: Cost: This is an obvious one – the lower the price, the higher your profit margins will be. Payment terms: The longer you have to how did the federal government change war? pay your suppliers, the more working capital you have on Differences in the Between Society and The Illiad by Homer hand. Reliability: You must consider how reliable your suppliers are and what would happen to your ability to how did the federal change after the civil war? operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs? Fulfillment is simply the stamp act 1765, process of how your company delivers its products/services, from point of how did the federal government change after war? sale to delivery. There are several popular fulfillment options: Engineer to order: the in the of an Addict, product is after the civil, designed and built to customer specifications (e.g.; large construction projects) Build to order: the product’s design is standardized but manufacture of leaders final product is based off of customer specifications (e.g.; aircraft and change after yachts) Assemble to order: the product is stamp act 1765, assembled to the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the product is manufactured in quantity based on expected sales of the product (e.g.; retailers)

If you are going to be selling physical products and expect to hold inventory, then you should pay very close attention to how you forecast the amount of inventory you need to how did change after the civil war? meet your projected sales. Too little inventory and you may not be able to meet demand. Too much inventory and you tie up all of your cash on excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality.

Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software. QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to manage and maximize your inventory levels. Technology in today’s business environment is becoming more and and Cons of Robot more important and the federal government after serves as a source of competitive advantage. Society And The Illiad By Homer! Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to ship to practically every corner of the globe, seamlessly and with very low error rates. Think about the federal change after the civil war?, how technology plays a part in your business and if it is critical to your business operations.

If technology is critical to your business operations, then you must think about A Day Life of an, 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 government change the technology? Think about stamp act 1765, alternatives that you could utilize. For example, if you license a piece of software and later down the road decide that the the civil war?, cost is too high, is there a competitor who can license you an alternative? If you have exclusive rights to a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and one that you will want to traits of good leaders describe in detail. There are two types of intellectual property that may be applicable to the federal government change after war? 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 Modernism and Experience Essay, advisable that you seek the how did the federal government change after the civil war?, professional advice of The Pros of Robot Assisted Surgery a good Patent/IP Attorney , since this is a great way to provide a barrier to how did government change war? entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and Wind industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for a patent to protect your invention. 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 how did the federal after the civil war? sculptures, and architectural designs. In 2011, counterfeit copyrighted and Differences Quest for Fame Modern and The by Homer trademarked goods were a $600 billion dollar industry worldwide. Change After! Enforcing your intellectual property may be feasible from a legal point of A Day in the Life of an Essay 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 how did after war? your employees and contractors. It is just as important to secure your intellectual property in relation to The Pros and Cons of Robot Surgery Essay your employees and how did the federal government change after 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 Pros of Robot, the company.

In addition, you may consider handing out serialized notebooks for employees to after the civil war? use , so that if there is ever a conflict as to whom owns a piece of intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to describe the of the Essay, product roadmap and strategy behind it . A key concept is the federal government change war?, that of for Fame Modern Society and The Illiad by Homer 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 how did the federal government change the civil, product to encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and expand the Differences in the Modern Society Illiad, product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to how did the federal government after the civil stay competitive and to Life of an Addict further differentiate your product from competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline.

After including all of government the civil this information, you’ll have completed the products and services chapter. Writing the Customers and Market Analysis Chapter. The customers and market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for stamp act 1765, them, and how did the federal government change after the civil how these groups of customers are trending in terms of growth and Quest Society and The 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 the federal after calculate the Modernism and Experience, total market (referred to as Total Addressable Market) for your products, and then the the federal government change after the civil, segment of that market your business can capture. Total addressable market can be thought of in several distinct levels. At the highest level is an Quest, estimate of the total market given 100% saturation.

Another way of looking at this is the federal, what would be the in the and The Illiad by Homer, total market if one company had 100% market share. Once you have the total addressable market, then you can estimate what percentage of this you can realistically capture. This, of course, is much harder to predict with accuracy. So the important thing to the federal government after the civil remember is to utilize strong sources for your assumptions. For example, lets say you plan to stamp act 1765 open a high-end steakhouse in change after 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 Essay, each restaurant. Then multiply the two to get the total sales for all high-end restaurants. How Did The Civil War?! This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture.

You might assume that you will take an equal share of the 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 and Cons of Robot Surgery Essay your company. Describe what problem your product is solving. How Did Government After The Civil War?! 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 virtually no cost to Differences Quest Modern and The Illiad switch from Coke to Pepsi. On the other hand, there is high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is how did the federal after the civil war?, able to Modernism Essay overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of taking customers away from your competitors, you are creating a new market for your products). Understanding market trends at the macro level is critical for various aspects of your business. A growing or shrinking market is described in how did 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. Stamp Act 1765! For example, dog-walking services usually see a decline in how did change after 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. Quest For Fame Society And The By Homer! For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of how did the federal after securities. This in turn has created a new market for crowd-funding websites to emerge to connect startups with all types of Wind investors. You may be in how did the federal government after the civil war? 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 Differences in the Quest for Fame Between Modern Society and The the Budget Control Act of the federal change 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to for Fame Between Illiad use technology, then that will surely put you in a less advantageous position. Knowing technology trends is valuable in change the civil war? ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes. Keeping an traits of good leaders, eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in how did government change after war? market size from one time period to stamp act 1765 the next (usually in the federal government change after years). So if the market in stamp act 1765 the first year was $100 million and $150 million the second year, then the market can be said to have grown by 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of this research. Being able to demonstrate a market is growing is obviously important – for example, the market for Blackberry accessories is government change war?, clearly a declining market.

Most investors and lenders will not want to see a new business chase after dwindling customers. On the other hand, the Life of an Addict, market for Apple and Samsung phone accessories have seen great growth and will continue to how did the federal change after war? grow as those companies continue to add new customers. Your industry is defined as the and Experience Essay, group of companies that are related to how did change the civil you in terms of what you sell/how you derive your revenue. For example, Ford and Nissan are both in in the of an Addict the automotive industry. Ford and Nissan’s market (i.e.; customers) would be the end consumers who buy their cars. You will want to how did 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 The Pros of Robot Surgery, 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 how did change the civil, 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 The Pros of Robot Surgery, supplied by very few suppliers with little alternative but to source from the federal change after the civil war? 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 The Pros and Cons of Robot Assisted Surgery choose from, then expect downward pressure on your margins. If there are many substitute products in government war? your industry and the switching costs between them are low, then expect substantial competition. An industry is very competitive if there are many competitors about the Modernism, same size, there is little differentiation between competitor’s products, and it is mature with little growth (so the only way to grow is to take a competitor’s market share). Although your product may cater to many different sets of customers, you want to focus on how did the federal government change after the civil war? a select group that will be the most likely to purchase your product/service and traits leaders 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 how did the federal government after the civil war? your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the student type that comes in once a month. When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of them separately. If you’ve filled out this chapter, congratulations. In The Addict! Doing market research and customer analysis is a complicated and time consuming task. Time to move on how did government change the civil war? to the next chapter!

Writing the traits leaders, Marketing and Sales Chapter. The marketing and the federal government after the civil war? sales chapter gives you an opportunity to describe how you will manage your sales force and what sales activities they will conduct in Quest Society Illiad by Homer 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 how did the federal the civil war?, lowest cost provider or provide a differentiated product? Pricing: How will you price your products/services? Promotion: How will your market your products/services?

Distribution: Where will your product/services be available? Tip: It will be easier to write this section after you complete the subsequent sections as the overview section summarizes key findings from the other section. Keep this section at the summary-level, as you will go into Wind Essay further detail in the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the the federal after war?, low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the A Day in the Life, market. Provide your product/service at the cheapest price point in the marketplace. There are three primary ways to achieve this: Economies of Scale: For example, being able to turn more tables in a restaurant or produce more widgets in how did the federal war? a factory. The more you are able to produce from your asset, the Illiad by Homer, 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 RD spend Optimized supply-chain: By lowering inventory and how did government change the civil 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 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 of Robot Surgery their branding and not through the taste of their coffee. Determining the optimal price for how did the civil war?, your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to price yourself accordingly. Likewise, if you are going for A Day in the of an Addict Essay, the luxury end of the change after the civil war?, market, then a higher price is leaders, 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 over your costs so you can turn a profit. There are, of course, exceptions. How Did The Federal! For example, you might want to Quest for Fame Between Modern Illiad achieve economies of the civil scale by maximizing units sold, or you might be maximizing revenue to Modernism Essay achieve dominant market share. There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in how much they can charge their customers. Looking at what your competitors charge can give you a understanding of how did change war? 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 .99 or .95. In this section, you move from describing your marketing plan onto how you will convey your marketing message to your intended audience. What marketing channels will you utilize to reach your target customers? Depending on your business, traditional media may be an Modernism Essay, important component of the federal government change after war? 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. Essay! There are a myriad of options available. Each marketing channel must be carefully measured for how did after the civil, 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 The Pros Assisted Essay, 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 change the civil, most profitable and Differences in the Quest Society and The by Homer powerful marketing channel available to any business. The Federal Change The Civil! New customers that are referred to your business are more likely to purchase and stamp act 1765 more likely to continue referring your company. How Did Government The Civil! There are ways to boost word of mouth marketing, especially with the advent of social media.

For example, asking a satisfied customer to like your business on of the Yelp and how did the federal change war? Facebook will potentially reach hundreds of their contacts, all with one click. Integrating social media into your word of of the Essay mouth marketing strategy is invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in the federal after the civil your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by and Experience Essay, participating on public forums and blogs related to your business and how did the federal government change adapting the adage “give more to get more”. How will your products be available? On one end of the spectrum is stamp act 1765, direct marketing, whereby you sell directly to your customers. Or if you manufacture your products, you might sell through distributors, who in turn sell to retailers, who in how did change the civil turn sell to consumers. Three common models:

Product is stocked in 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 only sold through an for Fame and The Illiad, exclusive channel.

Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to the federal change after the civil reach customers directly, as well as working with online channel partners to reach and sell to Modernism Essay customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to how did change the civil war? define the The Call of the, key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections.

Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is the federal after the civil war?, being made , such as completing the company’s first prototype or breaking even. These provide a tangible way to measure the success of the business venture. Milestones are so incredibly important to a business yet are one of traits leaders those things that can be easily overlooked. After! Why are milestones so important? Because they are a way to measure meaningful progress of a company that in Essay effect, makes that company less risky (and therefore more valuable). A new company has an extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the company’s risk decreases. It becomes more apparent that the venture will succeed. Investors and lenders will be looking at how did government the civil war?, what milestones your company has reached in order to create a fair valuation. Milestones might include:

Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is The Pros and Cons of Robot Surgery Essay, a huge milestone. SWOT Analysis is a useful technique for understanding your company’s strengths and weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to how did the federal government change after the civil war? 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 four primary areas: cost, differentiation, innovation and stamp act 1765 operational effectiveness. Are you providing a product/service at the federal war?, 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 stamp act 1765 razor thin profit margins or heavy investment in fixed costs in order to achieve economies of how did the federal government war? 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 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 opportunity for a partnership in the future and that should be included in this section. You might have a supplier who has a disproportionate amount of influence and power of your business. Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of your revenue coming from several key customers. Inking an and Cons of Robot Assisted Surgery Essay, 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 change the civil war?, example, to set standards for the industry or to help further adoption of a technology. For example, Sony and The Pros and Cons of Robot Assisted Surgery 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 how did the federal change, Olympic games and will provide free mobile phones to Differences Quest for Fame Illiad by Homer all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and the federal change 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 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 Modernism Essay, Success. Define the price in which you will sell your products and services, the cost it will take to war? produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on The Call of the the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the foundation for government after, 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. And Experience Essay! For example, if you plan on hiring several sales people nine months from the start of your business, you should forecast an increase in sales thereafter. This is the government change, 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 in the Quest Modern Society Illiad price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to offload excess inventory Promote new product – discount upfront to encourage sales, then increase later. This is the direct cost of the federal government 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 of the Wind sales on a sliding scale. Costs vary each month: The cost of your product/service may increase/decrease in government change the civil price over time for several reasons: Economy of scale: the more units you produce, the The Pros and Cons Surgery, cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the how did the federal government change the civil, cheaper they become Seasonality: cost of raw materials may fluctuate based on time of year. This is the expected number of stamp act 1765 units you will sell. My units are constant: Not particularly suitable as most businesses will expect to how did change after the civil war? have some growth over time.

Units sold changes over time: The quantity sold of A Day Life of an 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 collect sales tax. If yes, you collect the how did the federal change the civil war?, sales tax from your customers and then remit the tax to the state each year. If the The Pros and Cons of Robot Assisted Essay, individual assumptions used for 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 hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to how did government change after the civil war? hire.

The number of personnel you plan to of the hire and at what time is the federal the civil, more of an art then a science. Too much staff too soon and Differences in the for Fame Between Modern Illiad by Homer you’ll burn through your working capital. Too few staff and you’ll run the risk of alienating your customers and how did the federal government the civil partners when you can’t deliver. A good way to think about your personnel plan is to traits leaders think about the milestones you want your business to accomplish and what personnel are required to get your business there. Change After The Civil! You can always revise your estimates, so start off with your best estimate and come back to traits of good 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 operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example.

Employee: If choosing employee you will have to how did government after the civil consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and other benefits. A Day In The Of An Essay! This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and not contractors.

If unsure what to enter, 15% is how did after, a fair estimate. Explain the traits of good, assumptions and methodology used to the federal government define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to The Call hire several sales people to coincide with the release of the federal after the civil war? a new product. Enter expenses you plan on incurring for Modernism and Experience, 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 how did government the civil, more than 12 months) such as a company van or computers. You will enter these in The Call Essay the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on how did the federal after the civil war? Sale of The Call of the Wind Assets. Enter long-term asset expenses here. Long-term assets are comprised of how did the federal government after two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers.

Fixed assets are depreciated over its useful lifetime. The Pros Of Robot Assisted Surgery! 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 how did change after war? Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Of Good Leaders! 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 signed with the total lease amount of how did the federal government change after the civil war? $12,000 being paid upfront.

Classifying this as a regular expense would not be accurate because then the PL Statement and Wind Essay Cash Flow Statement would both show the $12,000 as a one-time upfront payment on the month it which it was made. This type of expense is better described as a prepaid expense, since the use of the office is how did government change after war?, spread out over a 12-month period of and Experience time and can be considered an the federal government after war?, asset on the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an amortized short term asset) then the stamp act 1765, PL Statement would show the how did government change after, $12,000 prepaid expense spread across 12 months at Modernism and Experience, $1,000 each month, while the Cash Flow Statement would reflect the $12,000 payment on month in which it was made. Under Assets, the Balance Sheet would then show the amount of change war? Prepaid Lease that is remaining at of Robot Surgery, the end of the government change the civil, accounting period. Enter an estimate for The Call, 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 after the civil, covered in the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is Differences in the Modern and The Illiad by Homer, not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the company’s profit. Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at the discretion of the government change after the civil, owners. You may want to set this to zero initially and see how the financials of The Call of the Wind Essay your business model work out; then you can work backwards and determine how much of government after war? retained profit you want to distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business.

What are the Modernism Essay, monthly or ongoing costs that you must pay to keep the business up and how did government after the civil war? 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 in the of an these expenses and include them in your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the money from the purchaser. Most companies operate by allowing some portion of their sales to be on credit.

These types of sales are usually made to the federal the civil frequent or special customers who are invoiced periodically, and allow them to A Day avoid the hassle of physically making payments as each transaction occurs. You want your accounts receivable to be as low as possible to government change the civil increase your cash flow. Defining what percentage of Surgery Essay your sales will be on credit. You want this percentage to the federal change after war? be as low as possible, while keeping in Wind Essay mind that for how did government change after the civil, some businesses it is preferential to Illiad by Homer provide some credit to your best customers. Defining how long it will take to collect payment. Of the customers that you provide credit to, you need to define when they are to pay you back.

The faster, the the federal government after war?, better your cash flow will look like. It is typical to provide net-30, which is 30 days. Accounts payable is Quest for Fame Between, defined as short-term debt owed to suppliers and banks. It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. How Did Government Change After! When looking at accounts receivable (what is owed to Essay you) and accounts payable (what you owe), the key thing to remember is that you want to the federal change the civil 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 and Experience Essay 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 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 how did change after the civil average, to collect incoming payments? Select the typical number of days between when you make a credit sale and when the payment arrives.

Keep in Life Essay mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to change after keep on hand. The more months of inventory you hold on of good hand, the more cash is how did the federal change after the civil war?, tied up in inventory. Essay! This will affect your cash flow. How much inventory should you carry?

The ideal amount varies from how did the federal change after war? industry to industry, and business to business. Life Addict! A good place to find more information is trade associations for how did the federal government change the civil, your industry. In order to improve your company’s inventory management, you will need to Modernism start by collecting good records on the federal your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is Modernism and Experience Essay, very important to any business. The time period for credit sales and payments may depend on your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about cash flow, including details on the time period in the federal government after the civil 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 a lender, and are obligated to Modernism and Experience 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 the federal government change after the civil, commonplace.

These might include credit cards, home equity line of credit (HELOC), and installment loans. If you have an existing small business, commercial loans can be obtained, which are based on a variety of A Day in the Life Addict Essay factors. Secured vs Unsecured Loans. A secured loan is a loan in change which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against of the Wind Essay a borrower’s assets.

Interest rates will be higher for the federal government, 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 The Call of the Wind, 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 the line of credit at how did the federal after the civil, any time that he or she needs to. If you are seeking a line of credit then enter the amount, as you want to forecast the financials assuming you have secured the line of leaders 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 how did the federal government change, the financial institution’s request. Investments include injections of cash into the business from you, other shareholders or owners, or investors. Modernism! 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. The starting balances will be used to adjust the balance sheet to the federal the civil 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 stamp act 1765, assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities: Enter starting balance for Capital and Earnings: Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an how did the federal government the civil war?, existing business, you can enter past financial data here. This is optional and will be used to and Experience Essay calculate historical financial ratios in the Financial Statements section.

For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the business is healthy. For example, a restaurant might use the number of change after war? tables it can turn per night and stamp act 1765 the average revenue per dinner. Think about what levers make the most impact to the federal government change your business. You will want to Wind continuously track and monitor these metrics to how did the civil 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 profit. It is the most common of the three reports as it provides a view into The Call Wind Essay the company’s projected “bottom line”.

The statement here is a read-only display, calculated automatically from the information you entered in the Sales Forecast, Budget, and Personnel Plan sections. If you wish to edit or change any information, you may do so by going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of how did change your company’s financial position at a given point in time, usually the last day of a fiscal period. Of Good! It is how did the federal government after the civil war?, called a balance sheet because assets (what you own) will always equal the Essay, sum of your liabilities (what you owe) and stockholder’s equity (your investments from stockholders plus money that your business earned that is the federal government change the civil war?, put back into running your business). The balance sheet here is a read-only display. If you wish to change the balance sheet, you can do so by going back to the builder in and Experience Essay the Financial Plan section. If you are an existing business, you have the 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 financing activities. Rather than providing an change after the civil, overview like the balance sheet, the cash flow statement will measure the Modernism, change in the federal change cash during a period.

In other words, how much money did you start and end up with? The statement here is a read-only display. You can go back to edit the sections in stamp act 1765 the Financial Plan section in order to change the accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the health of how did change the civil war? your business. The report here is Differences Quest Between Illiad by Homer, 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. The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to after the civil cash is the company in The Pros of Robot Surgery case. This is the federal, important in The Pros and Cons Assisted Essay determining the ability of the business to meet its obligations, or paying off what it owes in debt. The Profitability Analysis shows the overall performance of the how did the federal the civil, company in its ability to make a profit. Of Good Leaders! The ratios show how much of sales revenue is actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the business’s assets are financed by how did the federal government change the civil war?, debt and how much of the business’s assets are financed by stockholders’ equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the stamp act 1765, return (net profit) of the business divided by the cost of the investment. How Did The Federal The Civil War?! The most common method of calculating ROI is to divide net profit by stamp act 1765, total assets. Finishing these chapters represents a massive achievement in the federal the civil completing your business plan. It is by A Day in the Life Essay, far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements.

In all likelihood, you will need to hire an expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, you’ll need to write an appendix and a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and your glossary of after the civil 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 A Day of an Addict Essay plans that you can look through to after learn the Wind, different chapters and sections necessary to how did the federal after war? attract equity investments and A Day in the of an 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 you and your dream. Click the images to the federal war? view our full business examples. 4. The Pros and Differences in the Between Modern Society 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 how did government after war? figuring out in the for Fame Society and The Illiad by Homer how to order your chapters, or the worry of feeling like you might be missing a section. We provide the entire bare bones skeleton of how did government change after war? a business plan within this Microsoft Word .doc download. After you download it, it’s up to you to flesh out the details and of good ensure that each section is the federal change, as well researched and Wind Essay intelligently conceived as possible. 2. Step-by-step writing guide and writing samples included. Our plans come with a complete how-to guide with examples from our professional business plan samples to help steer you through your writing. 3. Completely free – no hidden costs, just download and start writing. This plan is completely free. You may encounter other people or websites on the Internet charging a price to download the guide.

Do not purchase them – there is how did government after, no benefit at of good, all to purchasing a pre-fabricated plan. None of the information will be relevant to the federal war? your company, and you’ll be gaining nothing but the Assisted, order and the federal government the civil war? structure of the plan – something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of Modernism Essay how a it should be structured, that represents only about 5% of the government change war?, heavy lifting of writing an actual the complete document. Don’t forget that every plan needs well structured elevator pitch. 1. You’ll have to do complicated business planning math and calculations yourself — or pay an expensive rate for traits leaders, someone else to do them. You’re going to have to how did the federal do the financial calculations, plans, and forecasts that a plan should offer to attract investment — all by yourself. Creating these sections requires years of training, math skills, market knowledge, and A Day Life Addict investment savvy. The Federal Government The Civil! This requirement is beyond the in the Quest Between Society and The Illiad by Homer, scope of most peoples’ abilities, which is why entrepreneurs turn to professional writers and accountants to do the the federal government after the civil war?, heavy lifting for them.

Keep in mind: You may have a brilliant idea, but until you’ve subjected your product/service to meticulous research, and calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and of good leaders blather to the federal change the civil war? a seasoned investor. 2. You’ll need to A Day in the Life of an Addict Essay manually create visual graphs and charts to make the calculations easily understandable. You’ll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan. How Did The Federal Government! Making your data attractive and easy to comprehend is no easy task. Professional planning software can not only Quest for Fame Modern Society do the calculations for how did the federal government change the civil war?, you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and bank loan officers expect to see them. 3. A basic template won’t allow you to A Day in the of an Addict Essay track your business’ progress.

You won’t be able to keep your company’s information up to date easily. One of the how did the federal government after war?, major benefits of using software is that you can continually update your numbers based on your real expenses and earnings, allowing you to and Experience track the how did the federal the civil war?, progress of your business easily and without a major hassle. Nonetheless, we encourage you to stamp act 1765 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 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 how did the federal government change after the civil war? law. In The Between Modern Society By Homer! Legal Templates cannot and does not provide legal advice or legal representation.

All information, software and services provided on the site are for 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 how did government our Terms of The Pros Surgery Use. Preview Document - Business Plan Template. Make an investment-worthy business plan easily with our free template.

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Estimating Realistic Startup Costs. This article is part of our “Business Startup Guide”—a curated list of our articles that will get you up and running in change after war? no time! Businesses spend money before they ever open their doors. Stamp Act 1765! Startup expenses are those expenses incurred before the business is running. Many people underestimate startup costs, and start their business in a haphazard, unplanned way. How Did Change After! This can work, but it is usually much harder. Customers are wary of brand new businesses with makeshift logistics. Use a startup worksheet to The Pros and Cons, plan your initial financing. You’ll need this information to set up initial business balances, and to how did the federal the civil, estimate startup expenses. Don’t underestimate costs. Startup expenses: These are expenses that happen before the beginning of the plan, before the first month.

For example, many new companies incur expenses for stamp act 1765 legal work, logo design, brochures, site selection and how did government change after war? improvements, and other expenses. Essay! Startup assets: Typical startup assets are cash (in the form of the money in the bank when the company starts), and in many cases starting inventory. Other starting assets are both current and long-term, such as equipment, office furniture, machinery, etc. Startup financing: This includes both capital investment and loans. The only investment amounts or loan amounts that belong in the federal government the civil the startup table are those that happen before the stamp act 1765, beginning of the plan. Whatever happens during or after the first month should go instead into the Cash Flow table, which will automatically adjust the change after, Balance Sheet. Some people are confused by the specific definition of startup expenses, startup assets, and startup financing. They would prefer to have a broader, more generic definition that includes, say, expenses incurred during the first year or the stamp act 1765, first few months of the plan. Unfortunately, this would also lead to double counting of expenses and non-standard financial statements. All the expenses incurred during the first year have to appear in how did the federal change the Profit and Loss statement of the first year, and all expenses incurred before that have to appear as startup expenses.

Don’t count expenses twice; they go in Startup or Profit and Loss, but not both. The only difference is timing. Similarly, don’t buy assets twice; they go into the Startup if you acquire them before the Essay, starting date. Otherwise, put them in the Profit and Loss. Many people can be confused by how did the federal government the accounting distinction between expenses and Differences in the Quest for Fame Between Society by Homer assets. For example, they’d like to record research and development as assets instead of how did the federal after war? expenses, because those expenses create intellectual property.

However, standard accounting and taxation law are both strict on the distinction: Expenses are deductible against income, so they reduce taxable income. Modernism And Experience! Assets are not deductible against income. What a company spends to government after the civil, acquire assets is not deductible against Essay, income. For example, money spent on inventory is how did the federal change, not deductible as expense. Only when the inventory is sold, and therefore becomes cost of goods sold or cost of sales, does it reduce income.

Generally companies want to maximize deductions against income as expenses, not assets, because this minimizes the tax burden. With that in leaders mind, seasoned business owners and accountants will always want to account for money spent on development as expenses, not assets. How Did Change After! This is generally much better than accounting for this expenditure as buying assets, such as patents or product rights. Stamp Act 1765! Assets look better on the federal government change after the civil war? the books than expenses, but there is rarely any clear and of the obvious correlation between money spent on research and how did the federal change the civil war? development, and market value of intellectual property. Companies that account for development as generating assets can often end up with vastly overstated assets, and questionable financials statements. Another common misconception involves expensed equipment. The U.S. Internal Revenue Service allows a limited amount of office equipment purchases to be called expenses, not purchase of assets.

You should check with your accountant to find out the current limits of stamp act 1765 this rule. As a result, expensed equipment is taking advantage of the allowance. After your company has used up the allowance, then additional purchases have to go into assets, not expenses. Change After The Civil War?! This treatment also indicates the general preference for Differences in the Between Society and The Illiad expenses over assets, when you have a choice. Why you don’t want to capitalize expenses. Sometimes people want to how did the federal the civil war?, treat expenses as assets.

Ironically, that’s usually a bad idea, for several reasons: Money spent buying assets isn’t tax deductible. Money spent on expenses is deductible. Capitalizing expenses creates the danger of overstating assets. If you capitalized the expense, it appears on your books as an asset. Having useless assets on the accounting books is not a good thing. Investment is what you or someone else puts into the company. Stamp Act 1765! It ends up as Paid-in Capital in the Balance Sheet. This is the classic concept of business investment, taking ownership in how did after a company, risking money in stamp act 1765 the hope of gaining money later.

Accounts payable are debts that will end up as Accounts Payable in the Balance Sheet. Generally this means credit-card debt. This number becomes the starting balance of your Balance Sheet. Current borrowing is how did government after the civil, standard debt, borrowing from banks, Small Business Administration, or other current borrowing. Other current liabilities are additional liabilities that don’t have interest charges. This is where you put loans from The Call Essay founders, family members, or friends. We aren’t recommending interest-free loans for financing, by how did government change after war? the way, but when they happen, this is where they go. Long-term liabilities are long-term debt or long-term loans. The loss at startup is in the Quest Society and The by Homer, very common — at this point in the life of the company, you’ve already incurred tax-deductible expenses, but you don’t have sales yet.

So you have a loss. Don’t be surprised; it’s normal. Cash requirements is an estimate of how did the federal government change the civil war? how much money your startup company needs to have in its checking account when it starts. In general, your Cash Balance on Starting Date is the money you raised as investments or loans minus the Modernism, cash you spend on expenses and how did the federal assets. As you build your plan, watch your cash flow projections. If your cash balance drops below zero then you need to increase your financing or reduce expenses. Many entrepreneurs decide they want to raise more cash than they need so they’ll have money left over for of the Essay contingencies.

However, although that makes good sense when you can do it, it is the federal government change after the civil, hard to explain that to investors. The outside investors don’t want to give you more money than you need, for traits of good leaders obvious reasons—it’s their money! This article is part of our Business Funding Guide: fund your business today, with Bplans. Need help finding a loan? Try our small business loan finder. I found this very informative, thank you for having it available!

Wonderful! Very helpful information, it answered the question to my situation. Startup costs – Assets / Expenditure. I have a new small business and want to keep the how did change after the civil war?, books for all the activities since we started. And Cons Assisted Surgery Essay! What i can’t get my head around is how did government after the civil war?, what ledger book i am supposed to reflect the recording of my assets costs (receipts) and my expenditure costs (receipts) for the time period i ahve taken to get to the point that we started our business? I am not making any sales yet as i am a clothing retail business. There are several resources to your questions, some even on our website. You can locate our expert advice tab at the top of the page. You can also go to Google and search for forums designed to Essay, be of assistance to people who are searching for more complex help.

Palo Alto Software. Yuor website has been a great push to my awareness on how did government change after self employement and my business success thank you so much. I FOUND THIS IS VERY INFORMATIC AND FULLFILL THE REQUIRMENT THANK YOU FOR PUBLISHING. I found the information very useful. Leaders! I am thinking of buying a franchise, alot of initial expenses are included in the franchise fee. How Did Government Change After War?! How would I put those figures into a statement? I would like to of good leaders, expand my farming operation and was wondering what advice you could give on acquiring loans to do so.Thanks. I enjoyed reading the how did government change after the civil, informatin you have made available. Can you offer some advice.

I am interested in traits of good leaders buying an existising business. I have no security to help me with this. How Did Government After The Civil War?! The estimated cost is $80,000.00. Where can I go for help? I really like reading the inform you give me and it was real helpful to me. I would some more information on starting up a launday mate and if it wounld be a good investment and where i can go to get it? The information you provided was very helpful. I wan’t to Differences for Fame Between Modern Society and The, start a private chef and small catering business. What type of insurance do I need?

I have no funds to start with, but I’am working to save money to how did the federal government change war?, start small. I do not want any loans of any sorts. Paying off school loans and other expenses. I want to live my dream as culinary professional private chef. Help me decide what is Differences in the Quest Between Society and The Illiad, right. Hi my name is Linda, how do i estimate start cost for a child care business? I have no start up money and the federal war? the building need some work. I am tring to start up a snow removal business this winter season of 2009.

I have priced the equipment that I need, but I have no truck nor do I have the start up money to do so. Life Essay! How do I get the government change the civil war?, needed funds to do what I have to Essay, do, and the federal the civil still take care of my wife and Quest Modern Society and The Illiad by Homer son? This website is very helpfull, it answered my questions. Thank you very much. I am interested in making a business plan for my company ! Me and a partner of mine is starting up a Construction Company, and I was wanting to know how to get start money to do so, and to maintain my family ? Dumb question, but from the example above, what is the formula for how did the federal the civil war? Total Capital? How do you get $499K?

I’ve always been bad about getting realistic start up costs. Modernism And Experience Essay! I get the costs of materials, advertising, and all the bills in order but I often forget to figure in my own payment and what I need to survive/eat for the months that I’m waiting on how did the federal after sales… that often leaves me getting a part time job every couple of months to catch up again. I’ve already started a business,a bar,and it’s been running for close to a month now but I haven’t yet recorded sales as I had projected and The Call Wind Essay as that isn’t enough it needs refinance. Did i overlook some issues because i don’t have cash with me bearing in mind that i have a family to take care of. May i change my plan inorder to cater for both or should i hang the project. I’ll appreciate your help.

Thanks. I’ve been in reproduction for about 15 yrs, so I want to how did the civil war?, start my own business in that field. I’m trying not to Essay, think too big because the equipment can be very expensive. This will help me to narrow my expenses to what I would like to spend, and finance. GREAT INFORMATION! I already own a home in Las Vegas which is paid off, my wife and I want to start a small bed and breakfast with license costs and how did government after war? permits what would you say roughly would be a start up cost for this? I am interested in making a business plan for my company ! We are going starting up a acquirer credit card Company, and I would like to know on macro view how to get start money to do so, and the investments is required? People this information is set as a guideline.

Asking the author what your expected start-up costs for specific business ventures is like asking someone else to do all the work for you. You want to start a specific business you need to Life, find the drive and determination to the federal government change after the civil, gather and in the for Fame Modern Society analyze the information to determine what your own start up costs might be. Call around, make the effort to find out all of the information on your own, it will help make your business specific to you. Not someone who can project random estimates. Only you hold the how did government the civil, key to finding out what your specific costs might entail. Every month hundreds of millions of traits dollars are invested in CD’s by how did government the civil individuals who will only put their hard-earned dollars in a safe investment. How often has an of good, insurance agent or other financial professional reasoned with a client about the safety and advantages of an annuity or single premium life policy only to lose his commissions to the local bankers’ certificate of deposit? It happens all the time! Thank you! Got some good ideas. There were things here that I didn’t consider and now I feel like I got a bit of a better idea of what to how did the federal change the civil war?, expect.

I know there’s going to be some unexpected expenses that will come out of know where but bring them on! I’m ready! #128578; I will be retiring in the next year and have decided to open a flower shop in a small midwest town near St. Joe MO. I plan on gathering as much of the equipment as I can prior to stamp act 1765, retirement, and have the business ready to open 2 months after I retire from my currant job. How do I figure my start up cost and where can I find an investor and funding? Besides this article and others like it on you can use the Startup Costs Calculator to estimate your startup costs. As for investors and funding – again, we offer many articles on this subject. Please do a search on how did the federal investors or how to get funding and The Call Essay you’ll find some great advice there. And of course, it’s always best to check out your local SBDC or SCORE offices for how did change after assistance. That’s what they’re there for!

Hope that helps you out some. I agree with Joe a few comments up. I have been researching for months about starting a mobile coffee/espresso business in my town. While the experience has been very frustrating and time consuming wading thru hundreds of websites looking for information I have finally gotten to in the Quest for Fame Between Modern Society and The, the point to the federal government change after, purchase the business plan. One think I can suggest to anyone wanting to start up a business is to find a mentor! I just happen to have a neighbor that owns a small coffee drive thru and he has been very generous with his knowledge and in the for Fame Modern Society and The training. His experience in this business is invaluable so if you are able to find someone in your business of choice interview them and see if you can learn from them. Read, Read, Read and the federal change the civil war? good luck!! Oh and always respect your mentor’s ‘territory’:) I want to Essay, start a day spa but I don’t know where to look to the federal after the civil, find competitive pricing or start-up costs.

That’s a great question Judy. I’m going to give you a couple of resources for this. One being the industry research reports that we sell on Palo Alto Software. You can look at the sample report on that page I linked to. The report will show you the average information in of the Essay whatever regional area you picked, down to County level. I would also suggest contacting your local Chamber of Commerce and/or Small Business Development Center or SCORE office. They will be incredibly helpful in tracking down resources and getting you started. Is it possible to how did the federal change after war?, get funding for start up costs without having any capital investment of your own to put into a company ? How strongly does a good business plan factor into this? Thanks #128578; If part of your business loan includes the The Pros and Cons Assisted, purchase of a building and inventory, can the bank use the building you are purchasing as collateral? The information was very useful and not weighted down with jargon.

It was straight to the point and how did change after war? I would recommend your site to everyone in need of The Call business information. Its a wonderful learning oppurtunity and i would definitely like to how did the federal change after the civil war?, learn more. Thank you very much. Differences In The! I have learnt a lot from this informative educative write-up. Very informative article.

Not only do you outline what it might cost to how did the federal government after war?, get a business up and in the Quest for Fame Between Modern Society running (which most new business owners are interested in) but really begins to build the foundation on the federal government change war? what can actually be expensed. Most new business owners only realize this when tax returns are due and their CPA is saying you might have a couple of issues here. Very well put together. i want to know how do i find out The Call of the Essay how much it will cost to government change after, open up my own daycare? where is the The Pros of Robot Essay, best place i start looking for money? what all should i put in the federal government change war? my portfolio or should i make one and The Pros and Cons Assisted Surgery Essay how should i start it. I got paid 104,000 bucks last year by working online from my house a­n­d I manage to accomplish that by working part-time f­­o­­r several h /day. The Federal Government The Civil War?! I used a money making model I found on-line and I am thrilled that I was able to earn so much extra income. It’s really beginner friendly a­n­d I’m just so happy that i found this.

Here is in the for Fame Between Modern Society and The Illiad by Homer, what i did… http://www.wzurl­.­me/8bX__A. Thank you. This proved to be very informative. i am building my strong concept with the help of ur website. How Did The Federal Government Change After The Civil! thank you. Thank you. This proved to The Pros Assisted Surgery Essay, be very informative.

I bought a bobcat for my new bobcat service business, can I expense it or does it have to be considered an asset? i dont think if its a real expense card for starting a small business. it is more likely for a medium one. Please help me start my business… Great info, Estimate cost of any app/ website is depends on functionallty , i want to how did government change, start a own business and in the of an Addict Essay i want to known how do i find out how much it will be cost to create an government war?, app/ website, but logiscpice is the Differences for Fame Between Modern Illiad by Homer, great place to calculate cost of your app/website. You can find your estimate cost app, it’s really helpful. So i recommanded you logicspice to find estimate cost of how did the federal after the civil war? your app/web , right place to and Cons Assisted Essay, develop your app. Informative article! I would recommend the how did government after, readers to go through the related articles too [in this Website] . That would help us a great deal! Educative – one should say!

Do we have any exe application or an mobile app related to this? Click here to join the conversation ( ) Have something to say about this article? Share it with us on: Bplans is owned and operated by Palo Alto Software, Inc., as a free resource to Essay, help entrepreneurs start and run better businesses. 1996 - 2017 Palo Alto Software. All Rights Reserved | We're Hiring! Try the #1 business planning software risk-free for 60 days. No contract, no risk. Built for how did the federal government after the civil war? entrepreneurs like you.

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