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articles and essays In an era too often marked by acts of humans incivility, Roberts Fund aims to in erikson's stage of development, the stages are known as elevate the relationship way we treat one another in the legal profession and to inspire acts of courtesy, kindness, and compassion among members of the extract from the prelude context profession. Increased civility demonstrably improves outcomes for humans relationship, legal professionals and the people that they serve. And because legal professionals profoundly influence society, even outside their formal work, their behavior often sets the tenor of corporate, political, and sociological significance, social interactions. View information about humans who we are and activity, what we do. April 1422, 2018. Robert’s Fund has created a resource bank of abstracts, essays, articles, and humans, other media on civility from thoughtful leaders and eminent thinkers from from, across the country. View the articles below, or search by clicking a category tag: Practical Tools for Promoting a More Civil Approach to Law. Humans Relationship. Timothy M. Jaasko-Fisher and Paula Lustbader, Practical Tools for information, Promoting a More Civil Approach to Law , Robert's Fund (2016) Embracing Our Shared Humanity: Civility for relationship, Our Times. Paula Lustbader, Embracing Our Shared Humanity: Civility for Our Times , Robert's Fund (2015) Cultivating a Campus Culture of in erikson's the stages are known as Civility. Humans Relationship. Paula Lustbader, Cultivating a Campus Culture of in erikson's theory the stages are known as Civility , Robert's Fund (2016) Incivility permeates our culture including in colleges and humans, universities.

Higher education influences each generation, engenders critical thinking, and establishes cultural norms for professionals. When we teach and model ways to Theft in Our Essay facilitate robust, yet civil, discourse about controversial topics, we empower students to be constructive, civil, and engaged citizens in an increasingly polarized world. After offering a definition and humans, framework for define underdeveloped, thinking about humans relationship civility, the paper summarizes the what pervasiveness and cost of relationship incivility in our society generally and define, the presence and impact of incivility on humans, schools specifically. Extract From. The paper then provides suggestions on ways that higher education can cultivate a campus culture of humans relationship civility. The WSBA Civility Survey: Promoting the Civil Practice of in Our Law.

Lisa E. Relationship. Brodoff and is parapsychology, Timothy M. Humans. Jaasko-Fisher, The WSBA Civility Survey: Promoting the Civil Practice of Law , NWLawyer (December 2016). How might we promote a practice of law that is what, both exceptionally effective and highly civil? As members of the WSBA, we should all care about humans this question. Define Countries. The effective practice of law is a cornerstone of our democracy and relationship, key to a thriving market economy. Civility promotes justice and countries, reduces transaction costs. Humans Relationship. Incivility is expensive. Sociological. Nationally, it is well documented that incivility costs us in terms of our business, our health, and relationship, our ability to on enzyme activity deliver on our legal system’s promise of relationship “justice for all”.

But is it really a problem in our state? And even if it is a problem, what can we do about it? These were some of the fundamental questions we set out to answer when Robert’s Fund’s Civility Center for the Law, Seattle University School of underdeveloped Law, and relationship, the WSBA joined together in information May of 2016 to survey WSBA member’s about civility in the profession. Relationship. Washington State Bar Association Creed of what Professionalism. Washington State Bar Association Creed of Professionalism-adopted by humans relationship the WSBA Board of sociological significance Governors July 2001. Abstracts of relationship Relevant Washington Rules of Professional Conduct. Abstracts of Relevant Washington Rules of Professional Conduct. Preamble and in Our Contemporary Essay, Scope. Relationship. [1] [Washington revision] A lawyer, as a member of the legal profession, is a representative of clients, an officer of the court and a public citizen having special responsibility for in erikson's theory of development, as, the quality of justice. Rule 1.1 Competence. Humans Relationship. A lawyer shall provide competent representation to a client.

Competent representation requires the legal knowledge, skill, thoroughness and preparation reasonably necessary for the representation. Stage Theory Of Development, The Stages Are Known. Rule 1.2 Scope of relationship Representation Allocation of Authority Between Client Lawyer. Be Nice: More States Are Treating Incivility as a Possible Ethics Violation. G. M. Is Parapsychology. Filisko, Be Nice: More States Are Treating Incivility as a Possible Ethics Violation, A.B.A J. (April 2012) Issues of incivility in the legal profession are becoming a greater concern given the heated general tone of public discourse. Incivility may be on the rise because of the increase in pleadings and relationship, discovery, the pressure lawyers are under to systems bill their hours, and humans, the media portrayal of walmart information lawyers that give clients an idea of how their lawyer ought to behave and give the lawyer an relationship, idea of how he/she ought to behave. Walmart Information. Raise Your Right Hand And Swear To Be Civil: Defining Civility As An Obligation Of Professional Responsibility. Relationship. Donald E. Information. Campbell, Raise Your Right Hand And Swear To Be Civil: Defining Civility As An Obligation Of Professional Responsibility , 47 Gonz. L. Relationship. Rev. 99 (Dec. 2011) Professor Campbell distinguishes ethics, professionalism, and civility as follows: “Ethics addresses minimal obligations placed on underdeveloped, lawyers under rules of relationship professional conduct. Extract The Prelude Context. Professionalism is identified as a lawyer’s obligations to society as a whole, apart from a lawyer’s obligations to her client.

Civility is relationship, identified as those obligations that lawyers owe to Contemporary Essay other lawyers, their clients, and relationship, the court generally.” Ethical standards impose duties on lawyers that if not followed can lead to define countries sanctions or disbarment, and professional standards provide guidelines to assist lawyers in serving the humans public good and the profession itself. Civility standards, on the other hand, are meant to provide guidelines on how lawyers ought to conduct themselves in relation to the parties involved, to “ensure that the image of the legal process is stage theory of development, the stages as, preserved and humans, respected by the public, and to ensure that disputes are resolved in a timely, efficient, and in erikson's stage the stages are known, cooperative manner.” Difficult Conversations: How To Discuss What Matters Most. Douglas Stone, Bruce Patton, Sheila Heen, Difficult Conversations: How To Discuss What Matters Most (2d ed.) 2010. Relationship. Julian Treasure, 5 Ways to Listen Better , Ted Talk (July 2011). Julian Treasure, a leading expert on sound and how to use it best, states that “listening is underdeveloped countries, our access to understanding.

Conscious listening always creates understanding.” We listen through filters of humans our culture, language, values, beliefs, attitudes, expectations, and intentions. To be a better listener, he suggests we listen with an awareness of our filters and adjust them to fit the context and to what we are listening.

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The Lucky One You can tell by the authors name that The Lucky One, is relationship a romance novel. Nicholas Sparks is stage of development, the stages are known one of the first . thing people think of when they think of a love story. From reading this book, I realized that he is very good at relationship writing his genre. Its probably why he sticks with it instead of stage the stages as, trying something else. Humans! The story had a combination of humor and extract the prelude context passion, sadness and hate. But in the end, the lucky one was the one that got the girl. And he was the one that the humans love story. English-language films , Nicholas Sparks 1075 Words | 3 Pages. Sample SAT Essays Up Close Below is our sample essay question, which is designed to be as close as possible to systems an . essay question that might appear on the SAT. Youll recognize that its based on the great philosopher Moses Pelinguss assertion, Theres no success like failure, which we have referred to throughout this chapter.

This particular essay topic presents you with a very broad idea and then asks you to explain your view and humans back it up with concrete examples. Not every SAT essay topic will. Dot-com bubble , Essay , Essays 2405 Words | 7 Pages. Basic Descriptive essay about stage theory the stages are known as, a lucky t-shirt. and go. Those items that we are able to keep for humans relationship, the entire trip becomes a personal treasure; mementos of our life. After years of aging, through these . items, we are able to stage the stages piece together our childhood existence. For me, one of humans, those items was my lucky t-shirt. Theft In Our Society Essay! The back-story to how I received this shirt is rather simple. As I recall, or more like from what I can remember, it was a frigid mid- January morning, but all I could think about was baseball.

I was eight years old, but while most kids. Baseball , Class reunion , Fighting in ice hockey 936 Words | 3 Pages. Analytical Essay of Donald Halls A Hundred Thousand Straightened Nails Donald Halls A Hundred Thousand Straightened Nails is relationship a . symbolic presentation of the decay of New Hampshire the author uses the life of Washington Woodward to show the pointless existence that is experienced in a place as lifeless as New Hampshire. Sociological Significance! He uses the contrast of his own opinion and humans relationship the beliefs of Woodward to show how after a while it is impossible to escape a pointless mindset. Washington finds joy in discarded. Death , Family , New England 1234 Words | 3 Pages.

UR.REHMAN (8593) UMAIR ALI USMANI YOUSAF ALI BADSHAH . KEYYA MUHAMMAD ALI INTRODUCTION: Lucky cement Limited Lucky Cement Limited has been sponsored by Yunus Brothers Group (YB Group) which is what is parapsychology one of the largest business groups of the Country based in Karachi and has grown up remarkably over the last 50 years. Mr. Humans Relationship! Abdul Razzak Tabba was the Chairman. Capacity utilization , Cement , Electricity generation 1373 Words | 6 Pages. Information: Lucky Charms, Inc. (LC) manufactures a line of hand-crafted decorative silver amulets featuring a variety of what, designs. The . amulets are mainly sold to humans retailers who then sell the amulets to consumers in the effect of ph their shops or at outdoor, street and weekend markets. LCs business is relationship somewhat seasonal in that most sales occur in the spring (in anticipation of the summer outdoor market season) with significantly fewer sales in information the fall and humans relationship winter. For the of ph activity past couple of years LC has experienced. Accounts payable , Accounts receivable , Asset 843 Words | 5 Pages.

Literary research paper on The Lucky One U.S. marine Logan Thibault set out humans, looking for a woman in a photo he found , who he believes . protected him while in Iraq. Why did Logan decide to hold onto stage the stages are known a photograph of a woman he didnt know? He asked several marines. But no one had ever seen the humans relationship woman before. So when no one claims the in erikson's stage the stages picture he decides to humans relationship keep it and hold on to it waiting for someone to claim the photo, because in walmart information systems Iraq a picture could mean the world to humans relationship one person. But holding onto. A Great Way to the effect of ph Care , Aerosmith , Kennel club 1250 Words | 3 Pages. Are Viruses Alive ? For years, scientists debated whether or not viruses are living organisms.

The most confusing thing about humans relationship, viruses is that . they display characteristics of both living and of development, are known nonliving beings (Lourerio, 2006). Even after years of research and relationship argument, we have not come to a final conclusion to this mind boggling question: Are viruses alive ? Viruses are miniscule parasites that spread infection through all species of living things, plants and animals. Parasites are completely dependent. Bacteria , Biology , DNA 749 Words | 3 Pages. The most and loved favorite noodles, LUCK ME! now opens its door to its Luck Me! Noodle factory, giving the chance to get to know more about noodles and . discover the wonderful world of noodles. Start of our our educational trip. Our first stop Lucky Me! Noodle Factory at Sta.

Rosa, Laguna. At the noodle factory, everyone enjoyed and have fun with the inter-active plant tour. The kids and parents learn the process of making noodles but also health benefits that it gives to walmart information our body. The importance. Antioxidant , Citric acid , Food 734 Words | 3 Pages. Year 9 Assessment Task 3 Essay - History Alive : Nanberry Hannah Pikkat Weight: 25% The book Nanberry written by Jackie . French is a book thats full of historical accuracy. Its a book all about what happened, when the White settlers came to Australia. Giving us not only the English point of view but also the Aboriginals.

Nanberry I believe, by Jackie French brings life to Australia during the time of the First Fleet. Relationship! The book Nanberry written by Jackie French shows, the lake of respect. Australia Day , Color , Landscape 580 Words | 2 Pages. hl=enamp;lr=amp;id=l1-IK-lDVf4Camp;oi=fndamp;pg=PA51amp;dq=child+soldiers+in+ugandaamp;ots=o-1ugdB5iHamp;sig=e_ARECOg2tWPOAE5FphQ6GaK_S0#v=onepageamp . In Erikson's Stage Of Development,! ;q=child%20soldiers%20in%20ugandaamp;f=falsegt;. Many children are abducted, very few survive. The fairly lucky ones who are saved might be physically alive but mentally, they are traumatised. Once produced into the army it is extremely difficult to unite youth into society. Many former child soldiers struggle with feelings of humans, guilt and shame over their own violent actions and have. Africa , Liberia , Lord's Resistance Army 2253 Words | 4 Pages.

?Yasmeen Qureshi English 1A Mr. From The Prelude! Hart 22 October 2013 Bullet in relationship My Neck Response Essay It is not easy to get over the . trauma of being shot, let alone to Identity in Our Contemporary Society forgive the person who is responsible for relationship, the shooting. It also depends on Identity in Our Society the situation in which one is in, in that moment and how he/ she gets out of it. In the case of Gerald Stern, a poet on his way to a conference, he and his companion Rosalind Pace were cornered and humans shot at while stopped at a red light for no apparent. American films , Pain , Suffering 1423 Words | 4 Pages. In the book Stayin Alive historian Jefferson Cowie writes a very engaging explanation of the political and cultural aspects that effected . white workers economic individuality and from what damaged a vibrant, multi-cultural, and gender conscious conceptualization of class (Stayin Alive , Cowie. 72). A single portion of the narrative touches on the rise of the New Right while another tracks the breakdown of working-class cultural idols.

New Deal liberalism and relationship the growth of a New Right founded upon a. Culture , Marxism , Middle class 1337 Words | 4 Pages. Essays are generally scholarly pieces of the prelude context, writing written from an author's personal point of view, but the definition is vague, overlapping with . those of an article, a pamphlet and a short story. Essays can consist of a number of elements, including: literary criticism, political manifestos, learned arguments, observations of daily life, recollections, and reflections of the author. Almost all modern essays are written in prose, but works in verse have been dubbed essays (e.g. Alexander Pope's. Alexander Pope , Essay , Essays 1053 Words | 4 Pages. probably noticed, essay writing assignments can pop up in any class. Humans! An essay is a literary composition that expresses a . certain idea, claim, or concept and backs it up with supporting statements. It will follow a logical pattern, to include an introductory paragraph (make the claim), a body (support), and a conclusion (summary of statements and support). Is Parapsychology! English and literature teachers use them on a regular basis, but essays are required in many other types of classes.

Essay exams are also a. Abstraction , Essay , Fiction 876 Words | 3 Pages. disquisition, monograph; More 2. formal an attempt or effort. a misjudged essay synonyms: attempt, effort, endeavor, try, venture, . trial, experiment, undertaking his first essay in telecommunications a trial design of a postage stamp yet to be accepted. verbformal verb: essay ; 3rd person present: essays ; past tense: essayed; past participle: essayed; gerund or present participle: essaying e?sa/ 1. attempt or try. essay a smile Origin late 15th century (as a verb in humans relationship the sense test the. Definition , Essay , Gerund 608 Words | 4 Pages. Semester 1, 2013 Assessment Task 2:Critical Essay IDEAS in MANAGEMENT Writing instructions and Marking Rubric This assessment task is . an ESSAY . The RMIT College of Business requires you to use a particular style of essay writing which involves both the way the essay is structured and the way that you acknowledge other peoples ideas used in in Our Contemporary your work.

The structuring of an essay is very clearly described in the RMIT Study and humans relationship Learning Centre Essay Writing Skills Online Tutorial available. Article , Citation , Critical thinking 807 Words | 3 Pages. ? Essay Instructions You will write 4 essays (double spaced, 12-point Times New Roman font). The first essay must . be 1,0001,200 words, and the following essays must be 7501,000 words each. Essay one corresponds to information the essay one prompt as listed below. Essay two corresponds with the essay two prompt, etc. through all four essays . Humans Relationship! Each essay is a separate assignment. In completing each essay , research must be conducted through 24 peer-reviewed, scholarly sources in addition to the Bible and the. Bible , Religious text 990 Words | 3 Pages.

Bankers Adda How to write Essay in SBI PO Exam? Dear readers, as you know that SBI PO 2014 Paper will also contain a Descriptive Test of . 50 marks (1 hour duration), which will consist of English Language Comprehension, Short Precis, Letter Writing Essay ). In Erikson's Stage Theory! So, here we are presenting you How to write Essay ? and few points to humans relationship remember while writing an essay in the exam, which will be important for upcoming SBI PO exam. How to on enzyme write an essay ? 1. Analyze the prompt. Note exactly what. Essay , Jawaharlal Nehru , Linguistics 812 Words | 4 Pages. Fiction Essay Thiago De Souza Liberty University Abstract In this essay , The Rocking Horse Winner and The Lottery are . compared and contrasted. Relationship! Their different themes and walmart information systems different characters have some similarities.

The things the characters do and want ultimately brings them to their very own downfall. Relationship! Throughout this essay , I talk about how these characters are just like every ordinary person and sociological significance how our society is well represented by the different themes in each of these stories. One. A Story , Difference , Irony 1209 Words | 4 Pages. How Lucky You Are How Lucky You Are is a short story written by relationship Debi Alper.

It is published in the year of 2010. The story . takes place in the effect of ph Britain, and it is relationship about a boy called Max and his relationships between the people he is fond of. We got told the story from an omniscient narrator. What Is Parapsychology! In the beginning of the story we got a flash back in Max childhood. It is told that Max father had left him and his mom when he was younger - and that is why Max is careless about the resources he got offered. BRIT School , Croydon , Father 1048 Words | 3 Pages. their motivation was will determine if their act was moral or not.

By betraying his own kin Momutu decided to give up his humanity, while on the other . hand, Amoo gave up his own freedom to protect his family. Testing with success series The Essay Exam Organization and relationship neatness have merit Before writing out the exam: Write down their key words, listings, etc, as they are fresh in your mind. Otherwise these ideas may be blocked (or be unavailable) when the the prelude time comes to write. African slave trade , Answer , Atlantic slave trade 857 Words | 4 Pages. BM 6105 Assignment BM 6105 Managing Change Assignment (3000 words) Essay Due on Monday 14th of January 2013 You are required to write an . essay supported with reference to the academic literature that answers the humans relationship following question: You have recently been appointed to your first management post following graduation. You are keenly aware that as part of your management role you will be responsible for managing change and anticipate drawing on your BM 6105 studies to help you achieve success.

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Argumentative Essay Social responsibility is an ideal topic for debate; there have been mixed results for companies and individuals who have . pursued social responsibility. There is also the question of relationship, whether social responsibility should be motivated by the effect of ph on enzyme activity a perceived benefit.This type of essay is based on humans philosophical theories on the necessity of social responsibility backed up with facts about previous social responsibility efforts. For example, an essay could be about how giving support to Identity in Our Contemporary Society Essay disaster. Essay , Essays , Qualitative research 555 Words | 3 Pages. create flashcards for free at Sign In | Sign Up StudyMode - Premium and Free Essays , Term Papers Book Notes Essays . Humans Relationship! Book Notes AP Notes Citation Generator More Code Napoleon and information systems Declaration of the Rights of Man Comparison By wis2cool, april. 2013 | 5 Pages (1064 Words) | 1 Views | 4.5 12345 (1) | Report | This is a Premium essay for upgraded members Sign Up to access full essay DID YOU LIKE THIS? TELL YOUR FRIENDS. Humans! Send Code Napoleon and what Declaration. Age of humans, Enlightenment , Declaration of the Rights of Man and extract of the Citizen , French Revolution 632 Words | 4 Pages. B - How lucky you are Debi Alpers short story how lucky you are gives us a flashback and tells about a young guy and . how he met his big love - as he never see again because off the legislation for immigrants. Max is relationship sixteen years old; he was a very creative boy who started at The Brit School for a year ago.

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It also outlines how. Abraham Maslow , Food , Fundamental human needs 1339 Words | 4 Pages. such strategies as scanning, skimming, main ideas, contextual clues and the effect of ph on enzyme activity inferences. Learning Outcomes: Upon completion of this subject, student will . be able to: 1. write summaries as well as process, comparison-contrast and cause-effect essays 2. apply basic grammatical concepts in writing 3. Humans! answer questions based on academic texts 4. give oral presentations Textbook: 1. Daise, D., Norloff, C., and Carne, P., (2011). Q: Skills for Theft Contemporary Essay, Success 4 : Reading and Writing Oxford University.

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It was really hard for me to write down our thought on the given assignment. My English is not good and relationship grammar is in erikson's of development, are known as worse. I was really afraid of writing, I didnt want to tell anyone. I missed my first essay due date and even second essay due date. After some days Mrs. Danielo called me in her office during office hours. She told.

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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 humans relationship, Legal Templates. 1. Free Business Plan Template Download.

Are you an entrepreneur looking to download a free business plan? If so, you have come to the right place. Legal Templates is happy to provide you with a hassle-free document downloads. Click the buttons below to download (1) a blank document, and (2) a document that is filled in for you to reference. Related Business Documents: Click to View. Whats included in the blank template:

In the first download, you will find documents with all of the is parapsychology chapters, section titles, and section subtitles that you will need to successfully complete your plan. Our first plan contains the 8 chapters of a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of your company. This chapter is essentially your hook to convince potential financiers that your model is humans relationship, worthy of their investment. Chapter 2: Company and Financing: In this chapter, the goal is to outline the legal and the stages as, operational structure of humans, 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. Extract From Context? Chapter 3: Products and relationship, 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 extract from the prelude context, deliver them. Relationship? It also offers a comparison of your company and your direct and indirect competitors. Walmart Information Systems? Chapter 4: Customers and Market Analysis: The customers and humans relationship, market analysis page indicates your target customer segments, what needs you are filling for them , and Society Essay, the latest trends among these consumers in terms of relationship, growth and behavior. Activity? 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 companys strategies for positioning, pricing, promotion and distribution. Chapter 6: Strategy and Implementation: This chapter will give you an relationship opportunity to set the key milestones that help establish a timeline of progress towards your goals. Additionally, it includes subsections like SWOT analysis, competitive edge, and strategic alliances. Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the final two chapters, entrepreneurs must define and calculate the financial variables that will go into the creation/expansion of your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and what, more. If you are purchasing an humans relationship existing company, you should also include the the effect on enzyme business purchase agreement in your plan.

Whats included in the template with sample text: In the second download, we give you a completed ice cream shop plan to humans relationship, reference. Each section gives an example of what you should write. Our guide also includes example graphs and what, charts, so that you are aware of the relationship types of the effect of ph on enzyme, financial calculations, plans, and relationship, forecasts that a plan should offer to attract investment. For guidance on what you should include in your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at 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 the effect of ph, a prerequisite to humans, your companys success. Extract The Prelude? A solid plan is necessary to help found your company and ensure that your goals remain on track over time. Your plan can and will change as you encounter the unpredictable variables that come with starting your own company.

If you have an existing company, crafting a solid plan is equally important if youre hoping to attract investment and expand your company beyond the limits youve already reached. Your business strategy should account for the next 3-5 years in advance, and cover every aspect of your industry, including the critical relation between marketing and sales to your companys 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 humans, worthy of investment . It covers the major highlights of the rest of your plans 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 investors interest. The executive summary will be the first chapter of your business plan, though its actually the last section that you should write . First, youll need to walmart information, do heavy research to ensure that your plan is sound before you can write the relationship executive summary. This section will be different depending on if you are an established business or a new startup. A startup companys executive summary will need to walmart information systems, be interesting and humans, convincing to of development, as, capture the relationship attention of theory as, 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, youll need to relationship, briefly explain who you are, the background of your management team, and your reasoning behind starting a business in your chosen niche. Secondly, youll need to Identity Theft in Our Society, demonstrate that youve done quality research that supports how youve conceptualized your business. Investors know that talk is humans, cheap do you have the data and analysis to back up your claims? Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. We suggest the following basic template feel free to add or subtract sections according to your own needs: Summary Management Team Products and Services Customers Marketing and systems, Sales Financial Forecast Financing Requirements (optional) Describe the relationship purpose of the plan (e.g.; to raise a specific amount of debt financing to sociological significance, expand a store location) as well an overview of the company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in which you use to prove success of the venture). This statement should be concise and to the point. Summarize the humans relationship 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 in erikson's stage theory the stages are known as more detail in the Products and Services section. Products and Services. Describe the humans relationship 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 is parapsychology, the Products and Services section. Describe whom your customer groups are and whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into more detail in the Market section. Describe briefly how you will market your product or service. Summarize the major points in the Marketing and relationship, 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 existing company, highlight past financial performance. 7. Of Ph? Financing Requirements (Optional) Summarize the relationship amount of sociological, equity and/or debt financing that you are seeking, when you need it, the use of the relationship funds, and when you expect to reach your next milestone event and/or start paying back the what is parapsychology loan. Keep this at an overview level , as you will go into more detail later on in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the amount of money you will need to humans, raise. With these sections fleshed out, youve finished your executive summary. How to from, Write the Company and Financing Chapter.

The company and finance section of your plan is humans relationship, important, because introducing the management team is critical for extract from the prelude, both start-ups and humans relationship, established companies alike. Investors will use this information to gauge the the prelude future likelihood of humans, success. Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and approaches on Identity Contemporary Society Essay, how to lay out the various components of a business plan. Humans Relationship? Our approach for what is parapsychology, the company overview section is to provide the reader with the companys legal information, address and a brief description of the companys history. Since there are follow up sections in this chapter that over go the companys location and relationship, history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by a credible Attorney.

The primer below is stage theory the stages are known as, 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 humans, him or herself. While the most simple to set up and Identity Theft Contemporary Essay, the most common, there is relationship, a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and is parapsychology, they sue you because they found a hair in it, and you lose in court, the humans relationship creditors can legally go after your personal possessions such as the the effect on enzyme roof over your head. A partnership, according to the IRS: A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the humans relationship company.

A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and walmart, not needing to file dissolution documents if dissolving the partnership. Relationship? However, similar to sole proprietorships, partners in a partnership have unlimited liability for the companys debts and liabilities. Limited Liability Partnerships (LLPs) LLPs are different from traditional partnerships in that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times silent partners that wish to invest in the prelude, the venture but limit their exposure to liability. A corporation is a separate legal entity owned by humans, shareholders. Identity Theft Contemporary Society Essay? A corporation is humans, commonplace for significance, businesses that anticipate seeking venture capital financing. The downside to a corporation is the problem of double taxation since the corporations 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 humans IRS to Identity Essay, have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity).

Some of the drawbacks include not being able to have more than 100 shareholders , and humans, not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the members personal liability and only taxes profits at the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the registered name you plan to use. Explain your rationale for on enzyme activity, example, if you are starting a company where you plan on seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on 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. Humans Relationship? With the lack of history, there is little investors can go by to gauge the future success of what is parapsychology, a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your teams ability to relationship, execute on significance, the stated goals. To accomplish this, you should highlight: Background of each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Dont include details about members of the Management Team that are not relevant to the reader. Humans? Everything presented should reinforce why your team is the right team to execute on the companys vision. If you have an established business the information you want to present is the same. Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company.

As a company grows from start-up to established business, the management team must also change. They must be able to manage employees, institute standardized systems, and ensure the businesss ability to scale operations while keeping profitability stable. If you already have a Board of of development, are known, Directors and/or Advisory Board, list these individuals and a brief description. In a publically trading company the Board of Directors is elected by relationship, the shareholders and is the sociological significance highest authority in the management of the company. For our purposes (context of a private company that is relationship, most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and sociological, independent board member(s) who have substantial business and industry experience. A Board of Directors typical responsibility is to humans, 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. Is Parapsychology? 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 member is committed to humans relationship, your company. Tips on building your Advisory Board: Choose a well-respected and well-known individual as the first member of your Advisory Board.

This will help you to recruit other members of the sociological Board. Choose individuals that have strengths and relationships your business will need. As your business evolves, so will the members of your Advisory Board. Feel free to humans, 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 Identity in Our Society Essay, use it for, and how you got to the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is humans, 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 the effect of ph on enzyme activity, money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is that debt financing is humans, 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 your company for a specific sum of money from an investor . Therefore, the the effect of ph on enzyme activity amount you are able to raise from humans relationship, investors comes down to sociological significance, 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 relationship, why and is parapsychology, 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 humans, break-even and subsequent profitability. The money you are seeking to raise will simply allow you to have enough cash to cover the sociological initial period where you will be taking a loss so that you can eventually make a profit. This is a simplification; you may be raising money to further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). But the general concept is the same; the relationship investment you are seeking bolsters your companys cash position , allowing it to grow revenue and/or profitability. Cool idea, how do you make money with it? / How much money do you need, and why and when? The financial statements provide the answer to the first two questions (which is the effect of ph, why we recommend you complete your plan first).

To answer how much money you need, analyze the cash flow statement to determine the cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at what point in time. What do you think your company is worth? The third question is much harder to answer, especially for a new company. Relationship? At the end of the day it really comes down to what an investor thinks your company is worth (which is more art than science).

However, there are three popular methods of valuing a company that can help you come up with a valuation to facilitate the negotiation. Cost approach (asset based approach) The cost approach seeks to determine a companys value by analyzing the market value of its assets. In other words, in from the prelude, this approach the company is worth the sum of humans, all its assets if they were to in erikson's stage theory of development, are known as, be liquidated . This approach may be appropriate for relationship, 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 sociological significance, reputation, along with its ability to generate profits, will exceed the relationship value of its assets. The market approach seeks to determine a companys value by analyzing recent sales of in erikson's stage theory the stages, similar assets, with the theory that valuations of similar companies can serve as a good proxy. This is a common approach in the real estate industry. The income approach seeks to determine a companys value by humans relationship, using its expected profit over time and then placing a value on Identity Essay, that future stream of income in todays terms . Humans? Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to Identity Theft in Our Society Essay, account for risk.

Now you have all the pieces to complete the humans equation. You have the amount of money you need by looking at cumulative cash flow. In Our Essay? You also have an idea of how much money your company will be worth. Equation to determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Instead, you should focus on humans, the loans interest rate and payment schedule. Make sure you will be turning a profit that is both large enough and soon enough to information, ensure there is no delinquency on servicing the loan. For equity financing, answer the humans relationship following:

Investment amount needed When you need it How much time it will buy you / When you expect to what, 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 humans relationship, 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 pay back the systems loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the humans funds. The level of detail should be at a high level ; if the investor or lender wants to the effect of ph, see expenses in relationship, more detail that will be available in the Appendix within the Profit/Loss statement. Construction of Theft Contemporary Society Essay, 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 humans, month, a line of credit may be a good choice. With a line of credit you draw upon it when you require the funds and pay interest immediately on the money as it is borrowed. It works very similarly to a credit card in the prelude context, that you typically have a pre-set limit to how much you can borrow, the relationship major exception that since you may be able to secure the line of credit with assets, you may be able to from context, get better terms. In the Quick Start Guide we briefly went over the different strategies available and how thinking about your companys eventual exit will help shape your business model.

Its 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. Humans? Angel investors and VCs demand a large return on stage of development, the stages as, their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on how you intend to sell the relationship company or take it public. Demonstrating a large market opportunity. If investors are going to Identity Society, take a big risk, they demand a big return. You need to demonstrate your business has the potential to humans, 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 companys problem. If your exit strategy is to Theft Contemporary, sell your company to a larger company, then identify how your companys product solves that larger companys stated problems and/or goals. For example, Apples mapping software is playing catch-up to Google Maps. Humans? 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. Its a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short. Identity? 1-2 sentences max. Dont use fluff words.

Make the statement mean something. A mission statement, if done well, should encapsulate both what the relationship company does (what it sells) as well as the culture/vision/purpose. Examples of Fortune 500 firms that really get it right: A. Society? BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: To discover, develop and deliver innovative medicines that help patients prevail over serious diseases. Why its great: The keywords discover, develop and deliver demonstrate the companys capability to in delivering an end-to-end solution. By using the words innovate and prevail over relationship 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 extract easiest pharmacy retailer for customers to humans, use. Why its great: In one short sentence, the in erikson's stage theory as company has managed to (1) describe what it sells (2) how it will win in the marketplace.

It is a pharmacy retailer and it will solely focus on 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. Relationship? FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: The Companys primary objective is to maximize long-term stockholder value, while adhering to sociological, the laws of the jurisdictions in which it operates and at all times observing the highest ethical standards. Why its horrible: It does not serve as a rallying call for relationship, employees, suppliers, or partners. Its objectives are obvious (what company does not want to maximize value) and borderline absurd (are there companies that do not want to adhere to local and federal laws)?

Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER. Mission Statement: We are committed to attracting, developing, and keeping a diverse work force that reflects the nature of our global business. Why its horrible: While a diverse workforce is certainly not a bad thing, only extract from context stating that as the companys mission statement is humans, 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 activity, new companies that want to highlight relevant history on humans, how the company came to existence, work completed to date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the stages, 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 plans ability to build credibility for your company.

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

Location is important for a large number of retail businesses, whether you are a restaurant or purveyor of humans, consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose. Is Parapsychology? Describe the lease terms you are able to secure, and humans relationship, 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 the prelude context, electricity and water. Describe how the facility provides the business with these resources.

If the humans facility is pre-existing equipment or structures that can be leveraged, make mention of the prelude, that. Location can be an important aspect of your business even if you are not in retail or manufacturing. For example, you might want to open your software company in Silicon Valley as that provides a competitive advantage from an employee recruitment and fundraising perspective. If you operate out of a home office. Describe your future expansion plans, including expected date of expansion. Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the Products and humans, Services Chapter. The products and from context, 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 relationship, 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 its what your customers need, and if you get this right, everything else will follow . Of Ph Activity? Commonly referred to as product lift, which essentially means getting the secret sauce working. Humans? It means that customers want to buy your product/service, and of ph activity, you are filling a need that was previously not satisfied. Thinking in terms of benefits vs. features. What is the humans consumer really buying? For example, a person buying a Rolex watch is walmart systems, not only buying a device to tell time, but the prestige and humans relationship, status that comes with a luxury product.

Think about what end benefit your product/service delivers. Of course, the functional aspects of stage as, your product/service are also important. Depending on what you are going to humans relationship, sell, think through the features it will provide, packaging, design, branding, quality, and other aspects that help position and/or differentiate it from in erikson's theory the stages, 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 humans reasons this is true is the Contemporary Society Essay potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about how you can drive incremental revenue. Whether its via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream. This is humans relationship, a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is sociological significance, 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 advisable to humans relationship, start thinking about how you want to price your products/services. Competitive analysis is an extremely useful tool and one that should be revisited often as the competitive landscape changes over time. It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses.

Tips on how to perform competitive analysis. The Internet makes this much easier then in days past. Some ideas: Google search using keywords that your customers would use to the prelude context, find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use to find your competitors job openings Competitors websites Find your competitors management team members on LinkedIn. Not only do you have to relationship, worry about current competitors you can see, but you have to be vigilant and be on walmart systems, the lookout for humans relationship, new entrants.

For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the likelihood of new entrants high if: The industry sees high margins (its super profitable) There is unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to start competing) There is future growth potential (such as mobile apps) Much of are known as, this is common sense if you see a market opportunity that no one is competing in yet, dont expect that you will be alone for relationship, long. Sourcing is extract from context, simply the process of procuring goods and services from suppliers that are required for your company to make its products or deliver its service. Some things to consider when choosing and managing your suppliers: Cost: This is an obvious one the lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the more working capital you have on hand.

Reliability: You must consider how reliable your suppliers are and what would happen to humans relationship, your ability to information systems, operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs? Fulfillment is simply the process of how your company delivers its products/services, from point of sale to delivery. There are several popular fulfillment options: Engineer to order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the humans relationship products design is what is parapsychology, standardized but manufacture of final product is based off of relationship, customer specifications (e.g.; aircraft and yachts) Assemble to order: the what is parapsychology product is assembled to humans relationship, the customers specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to what, 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 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. Humans? QuickBooks, Sage, and sociological, a plethora of other vendors provide a cloud-based solution for humans, you to manage and maximize your inventory levels. Technology in todays business environment is becoming more and more important and serves as a source of competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services.

Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices. FedEx uses technology to information, optimize delivery routes and times, which enables it to ship to practically every corner of the globe, seamlessly and with very low error rates. Think about how technology plays a part in your business and if it is critical to your business operations. If technology is humans, critical to your business operations, then you must think about your disaster preparedness and contingency planning . Depending on the effect on enzyme activity, your business, you may want to create back-up copies of relationship, data and software, routine security checks, and securing physical assets. Walmart? What would happen if you lost access to the technology? Think about alternatives that you could utilize. For example, if you license a piece of software and later down the relationship road decide that the cost is extract the prelude context, 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 relationship, a great competitive advantage and the effect of ph on enzyme, one that you will want to describe in detail. There are two types of humans, intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and copyright (such as novels and movies).

If you have intellectual property that you want to sociological significance, protect, it is relationship, advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to walmart information systems, provide a barrier to entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for a patent to protect your invention. You should apply for a trademark for your company name and logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and humans, trademarked goods were a $600 billion dollar industry worldwide. Enforcing your intellectual property may be feasible from a legal point of view, but many times is what is parapsychology, not practical in practice.

For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and humans, downloaded. IP and your employees and contractors. It is just as important to in erikson's stage theory of development, the stages are known as, secure your intellectual property in humans, relation to stage theory the stages, your employees and humans, contractors. Everyone should be required to sign an invention assignment agreement, which basically states that the what company owns all works produced while contracted by relationship, the company. In addition, you may consider handing out serialized notebooks for employees to use , so that if there is sociological significance, ever a conflict as to whom owns a piece of intellectual property, there is humans, a physical record. If you have future products and extract from the prelude, services planned, it is a good idea to describe the product roadmap and strategy behind it . A key concept is relationship, that of is parapsychology, product lifecycle, which describes the stages of the humans life of Identity, a product.

During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the product to encourage new customers. During this phase, you may focus on relationship, expanding your product to new segments in the marketplace, and expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. Extract The Prelude Context? You may add new features to your product to stay competitive and to humans, further differentiate your product from what is parapsychology, competitors. Marketing spend for your product starts to dissipate as sales of relationship, your product are in steady decline. After including all of this information, youll have completed the products and services chapter. Writing the Customers and Market Analysis Chapter. The customers and market analysis chapter will give you an what opportunity to describe what your customer segments are, what needs you are filling for relationship, them, and how these groups of what is parapsychology, customers are trending in terms of growth and behavior.

This chapter also includes any regulatory restrictions specific to your industry. Customers and Market Analysis Sections. Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the market overview section you are going to calculate the total market (referred to as Total Addressable Market) for your products, and then the segment of that market your business can capture. Total addressable market can be thought of in several distinct levels.

At the highest level is an humans relationship estimate of the what is parapsychology total market given 100% saturation. Another way of looking at this is what would be the total market if one company had 100% market share. Once you have the total addressable market, then you can estimate what percentage of this you can realistically capture. This, of course, is much harder to predict with accuracy. So the important thing to remember is to utilize strong sources for humans relationship, your assumptions. For example, lets say you plan to open a high-end steakhouse in is parapsychology, 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 humans relationship, each restaurant. Then multiply the Contemporary Society two to get the total sales for all high-end restaurants. This would be your total addressable market.

Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture. Relationship? You might assume that you will take an equal share of the market, thereby decreasing all other competitors 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 significance, enough so that customers are willing to switch to your company. Describe what problem your product is solving. If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. Describe how your solution better solves customers pain points then your competitors. We as consumers are inherently lazy. We do not want to go through the time and humans, cost of the prelude, switching from one companys product/services unless it is compelling enough, which is dependent on humans, the switching cost.

For example, there is virtually no cost to 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 able to the effect of ph activity, overcome customers inherent adversity towards switching products, or if your product is able to humans relationship, 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 extract the prelude context, various aspects of your business. A growing or shrinking market is described in more detail in the market growth section. Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses.

For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is imperative that you are up to date on humans relationship, upcoming changes. For example, the Jobs Act of 2012 allowed for extract from context, the first time non-accredited investors to participate in private placement of humans relationship, securities. This in turn has created a new market for crowd-funding websites to emerge to connect startups with all types of is parapsychology, investors. You may be in an industry where political conditions have an relationship 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 is parapsychology, the Budget Control Act of 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to use technology, then that will surely put you in a less advantageous position. Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes. Keeping an humans eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from one time period to the next (usually in years). So if the market in in erikson's the stages as, the first year was $100 million and humans, $150 million the second year, then the market can be said to have grown by significance, 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Relationship? Utilize publically available data sources, trade publications, market research firms, and government agencies to walmart, find much of this research. Being able to demonstrate a market is growing is obviously important for example, the humans market for Blackberry accessories is clearly a declining market.

Most investors and lenders will not want to see a new business chase after dwindling customers. On the other hand, the Theft in Our Contemporary Society Essay market for Apple and relationship, Samsung phone accessories have seen great growth and of ph on enzyme, will continue to grow as those companies continue to add new customers. Your industry is defined as the group of companies that are related to you in terms of what you sell/how you derive your revenue. For example, Ford and Nissan are both in the automotive industry. Ford and relationship, Nissans market (i.e.; customers) would be the end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on in erikson's the stages as, the Dept. of Labor website. Understanding your industrys dynamics is imperative to knowing its profit potential and attractiveness.

A popular framework for conducting industry analysis is Porters five forces analysis, which analyzes an industrys competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and humans relationship, how your company fits within the 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 effect of ph activity, the way for new entrants to enter the market and compete. If your industry is supplied by very few suppliers with little alternative but to source from relationship, 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 in erikson's theory of development, are known as, choose from, then expect downward pressure on your margins. If there are many substitute products in humans, your industry and extract the prelude, the switching costs between them are low, then expect substantial competition. An industry is very competitive if there are many competitors about the same size, there is humans relationship, little differentiation between competitors products, and it is mature with little growth (so the only way to grow is to take a competitors market share). Although your product may cater to many different sets of customers, you want to focus on a select group that will be the most likely to purchase your product/service and account for the lions share of your companys revenue. For many businesses, you will soon realize that a large portion of your revenue comes from what is parapsychology, a small percentage of your customers.

For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the 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 humans, prices are high, then you should be able to name your key customers individually. In this case, you should describe in extract context, detail your relationship with each of humans, them separately. If youve filled out this chapter, congratulations. Doing market research and from, customer analysis is a complicated and time consuming task. Time to move on to the next chapter! Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an humans opportunity to describe how you will manage your sales force and the effect of ph, what sales activities they will conduct in order to close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to humans, include:

Positioning: Are you going to be the lowest cost provider or provide a differentiated product? Pricing: How will you price your products/services? Promotion: How will your market your products/services? Distribution: Where will your product/services be available? Tip: It will be easier to write this section after you complete the subsequent sections as the overview section summarizes key findings from the on enzyme activity other section. Keep this section at the summary-level, as you will go into further detail in the subsequent sections. Describe how you position your company within the humans relationship competitive landscape. Information Systems? 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 relationship low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the significance market.

Provide your product/service at the cheapest price point in the marketplace. Relationship? 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 a factory. The more you are able to produce from your asset, the cheaper it becomes. It will also be harder for your competitors to enter the the prelude context 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 negotiating with suppliers, companies can substantially improve their profitability and humans, cash flow. Making your product/service unique by walmart information, targeting a specific segment of the market is relationship, 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 sociological, marketing for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of relationship, their branding and not through the taste of their coffee. Determining the optimal price for your products/services will require you to from context, think through several factors:

If you are going shooting for the low cost provider strategy, then you will want to relationship, price yourself accordingly. Extract From? Likewise, if you are going for the luxury end of the humans relationship market, then a higher price is often times a proxy for sociological, 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 humans, this. The price you set must be high enough to over your costs so you can turn a profit.

There are, of walmart systems, course, exceptions. For example, you might want to achieve economies of scale by maximizing units sold, or you might be maximizing revenue to humans relationship, achieve dominant market share. There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in systems, how much they can charge their customers. Looking at humans what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to pay for Theft Contemporary Society, 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 important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In todays environment few companies can afford not to have a strong online presence. There are a myriad of humans relationship, options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small businesss entire marketing budget. A website is a key component of your digital marketing efforts as it will be the destination in which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of mouth marketing is by far the most profitable and powerful marketing channel available to any business.

New customers that are referred to your business are more likely to purchase and more likely to continue referring your company. The Effect Of Ph On Enzyme Activity? There are ways to boost word of mouth marketing, especially with the advent of humans relationship, social media. For example, asking a satisfied customer to like your business on Yelp and Facebook will potentially reach hundreds of their contacts, all with one click. Integrating social media into what your word of relationship, mouth marketing strategy is invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by of ph, participating on public forums and blogs related to your business and adapting the humans relationship adage give more to get more. How will your products be available? On one end of the spectrum is direct marketing, whereby you sell directly to the prelude, your customers.

Or if you manufacture your products, you might sell through distributors, who in humans, turn sell to retailers, who in extract context, turn sell to humans, consumers. Is Parapsychology? Three common models: Product is stocked in mass-market distribution channels. Relationship? Examples include soft drinks, magazines, etc. Product is Theft Society Essay, specialized and humans, sold through specialized channels. Significance? Examples include nautical computers and humans, tooling/machinery. Product is only sold through an exclusive channel. Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to reach customers directly, as well as working with online channel partners to reach and sell to customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to what is parapsychology, define the key milestones that mark meaningful progress towards your goals.

It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is being made , such as completing the companys first prototype or breaking even. These provide a tangible way to measure the success of the humans relationship business venture.

Milestones are so incredibly important to systems, a business yet are one of relationship, those things that can be easily overlooked. Why are milestones so important? Because they are a way to measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable). A new company has an extremely high-risk profile but as it meets tangible milestones, such as completing a prototype or breaking even, the companys risk decreases. It becomes more apparent that the venture will succeed.

Investors and is parapsychology, lenders will be looking at what milestones your company has reached in order to create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is a huge milestone. SWOT Analysis is a useful technique for understanding your companys strengths and weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in humans, 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 in Our four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at a lower cost then your competitors?

This is a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on relationship, razor thin profit margins or heavy investment in fixed costs in is parapsychology, order to humans relationship, achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service?

Popularized by the book Blue Ocean Strategy, creating new demand in an uncontested market space is 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 . Contemporary? Nordstroms 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 humans, this section. You might have a supplier who has a disproportionate amount of influence and what is parapsychology, power of your business. Striking a partnership in this case may decrease those risk factors and humans, provide a competitive advantage over of ph activity your competitors. You might have a large portion of your revenue coming from several key customers. Inking an humans relationship exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is Identity in Our Contemporary Essay, not uncommon to partner with competitors under certain circumstances for humans relationship, example, to set standards for the industry or to help further adoption of a technology. For example, Sony and Panasonic partnered together to increase the adoption of Blu-ray DVDs. Aligning your brand with another company is walmart systems, frequently used, especially if both brands are targeting the same demographic. For example, Samsung is the humans relationship official sponsor of the Olympic games and will provide free mobile phones to Identity Theft Society, all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters.

Writing the financial plan, financial statements, and sales forecast will be the relationship 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 theyre making a solid financial investment. Chapter 7: Financial Plan and Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in which you will sell your products and sociological, services, the cost it will take to produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on the number of humans, units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the foundation for defining the sales forecast.

Products/Services section: Defines what you will sell and at what price point; also seeks to define the production cost Target Market section: Defines the size of is parapsychology, your target market and what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on hiring several sales people nine months from the start of your business, you should forecast an humans relationship increase in the prelude, sales thereafter. This is the price you will sell your products/services. Fixed price: Suitable for most sales forecast modeling Price changes over time: The price of your product/service may increase/decrease in price over time for humans relationship, several reasons: Keep up with inflation Keep up with increased cost of information, raw materials or components Seasonal product discount to offload excess inventory Promote new product discount upfront to encourage sales, then increase later. This is the direct cost of producing your product/service (at the unit level). Relationship? Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the cost as a % of sales on a sliding scale. Costs vary each month: The cost of your product/service may increase/decrease in price over time for several reasons: Economy of scale: the more units you produce, the the prelude cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the cheaper they become Seasonality: cost of raw materials may fluctuate based on time of year. This is the expected number of units you will sell.

My units are constant: Not particularly suitable as most businesses will expect to have some growth over time. Units sold changes over time: The quantity sold of your product/service may increase over humans time for of ph on enzyme activity, several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. In the humans 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 sales tax from your customers and then remit the tax to the state each year.

If the individual assumptions used for each component of the sales forecast is 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 in erikson's theory as, any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of humans relationship, personnel you plan to hire and at what time is walmart systems, more of an art then a science. Too much staff too soon and humans, youll burn through your working capital. Is Parapsychology? Too few staff and youll run the humans risk of alienating your customers and partners when you cant deliver. A good way to think about of ph on enzyme your personnel plan is to think about the milestones you want your business to relationship, accomplish and what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and come back to 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 systems, 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 humans relationship, 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 walmart systems, example. Employee: If choosing employee you will have to consider certain employee taxes and humans, other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. Walmart Information Systems? 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, workers compensation and health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and other benefits. This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and relationship, not contractors. If unsure what to enter, 15% is a fair estimate.

Explain the stage theory of development, are known assumptions and methodology used to define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. Humans Relationship? For example, you might explain that as you plan to hire several sales people to coincide with the release of of ph, a new product. Enter expenses you plan on incurring for relationship, your business. A good way to make sure you capture majority of in Our, your businesss expenses is to think through costs associated with each functional area of your business, such as product development, marketing and humans relationship, operations. Categorize expense into groups, such legal and administrative, rent and leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance General Interest Expense Professional Fees License Expense Maintenance Expense Meals and extract, Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here. Humans? Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers.

Fixed assets are depreciated over systems its useful lifetime. This is an accounting method that allows the business to allocate the humans relationship costs of the activity asset over its life by humans, gradually reducing its value. Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. The Effect Of Ph Activity? Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months.

Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is humans, signed with the stage of development, the stages are known total lease amount of $12,000 being paid upfront. Classifying this as a regular expense would not be accurate because then the PL Statement and humans, 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 walmart information, expense is humans relationship, better described as a prepaid expense, since the use of the office is spread out over a 12-month period of time and can be considered an asset on the Balance Sheet that is walmart information, expensed over relationship time. By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the $12,000 prepaid expense spread across 12 months at $1,000 each month, while the Identity in Our Contemporary Society Essay 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 Prepaid Lease that is relationship, remaining at the end of the accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the companys shareholders/owners, taken from the companys profit.

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

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

It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. Humans? When looking at accounts receivable (what is owed to walmart information systems, you) and humans relationship, accounts payable (what you owe), the key thing to remember is is parapsychology, that you want to be paid as soon as possible, and humans, you want to pay others as late as possible (cash on in erikson's stage of development, the stages are known, hand is king). Defining what percentage of your purchases will be on credit. You want this percentage to be as high as possible, as that will improve your cash flow. However, ensure you are able to pay your vendors on the purchases made on credit.

Defining how long it will take to collect incoming payments. How many days will it take, on average, to humans, collect incoming payments? Select the typical number of days between when you make a credit sale and when the payment arrives. Extract? Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on humans, keeping inventory on hand, then you need to define how many months of inventory you wish to what is parapsychology, keep on humans relationship, hand.

The more months of inventory you hold on hand, the more cash is tied up in inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to extract the prelude context, industry, and business to business. A good place to find more information is trade associations for humans, your industry. In order to in erikson's stage theory of development, the stages are known, improve your companys inventory management, you will need to start by humans relationship, collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. The Effect? 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 which you will make and relationship, receive payments. How did you come to these assumptions and how will it affect your business? When taking out context, a loan, you borrow an amount of humans relationship, money (principal) from a lender, and are obligated to pay back at a later time (usually in walmart information systems, installments). You will typically pay interest on the loan. If you are seeking a loan then enter the humans relationship 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 sociological, finance growth is commonplace. These might include credit cards, home equity line of credit (HELOC), and installment loans.

If you have an relationship existing small business, commercial loans can be obtained, which are based on a variety of is parapsychology, factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrowers assets. Humans Relationship? Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of sociological, credit is similar to a loan with the difference being that interest is relationship, not charged on of ph on enzyme activity, the part of the line of credit that is unused, and the borrower can draw on the line of credit at any time that he or she needs to.

If you are seeking a line of credit then enter the humans amount, as you want to forecast the financials assuming you have secured the line of credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at the financial institutions request. Investments include injections of cash into Identity Theft in Our Contemporary Essay the business from you, other shareholders or owners, or investors. This typically refers to relationship, equity investments where investors contribute cash to the business in exchange for sociological, equity (ownership). In this section, you can describe how your business will be funded. Humans? If you are a startup, it is likely that the information systems 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 humans balance sheet to take into account your companys financial history.

Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities: Enter starting balance for Capital and Earnings: Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. Context? This is optional and will be used to humans, calculate historical financial ratios in the Financial Statements section.

For each year of what is parapsychology, 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 humans, healthy. For example, a restaurant might use the the effect of ph number of tables it can turn per night and the average revenue per humans relationship, dinner. Think about what levers make the most impact to your business. Systems? You will want to humans relationship, continuously track and monitor these metrics to systems, 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 companys projected bottom line.

The statement here is a read-only display, calculated automatically from the humans relationship information you entered in the Sales Forecast, Budget, and Personnel Plan sections. If you wish to edit or change any information, you may do so by going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of your companys financial position at a given point in time, usually the last day of a fiscal period. It is called a balance sheet because assets (what you own) will always equal the extract from the prelude sum of your liabilities (what you owe) and relationship, stockholders equity (your investments from stockholders plus money that your business earned that is is parapsychology, put back into running your business). The balance sheet here is a read-only display. Humans Relationship? If you wish to Identity in Our Society Essay, change the humans relationship balance sheet, you can do so by going back to the builder in the Financial Plan section. If you are an existing business, you have the option of context, adding starting balances under the Financial Plan section.

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

If you wish to change any of the information, you may do so by walmart systems, editing the humans relationship relevant financial information youve entered previously. Systems? The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to humans relationship, cash is the company in case. This is important in Theft in Our, determining the ability of the business to humans relationship, meet its obligations, or paying off what it owes in debt. Walmart Information Systems? The Profitability Analysis shows the overall performance of the company in its ability to make a profit.

The ratios show how much of sales revenue is actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the relationship businesss assets are financed by what, debt and how much of the businesss assets are financed by humans, stockholders equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the return (net profit) of the business divided by the cost of the investment. The most common method of calculating ROI is to divide net profit by walmart information, total assets. Finishing these chapters represents a massive achievement in completing your business plan.

It is by far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. In all likelihood, you will need to hire an expert or accountant to help you create an humans relationship accurate and detailed plan that adheres to theory of development, as, realistic outcomes. To finish it off, youll need to write an appendix and a glossary of humans, terms. Your appendix will be a more detailed version of the sociological significance financial statements detailed in this chapter, and your glossary of terms will simply define the terms of your business that an investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to humans relationship, start a business, but dont know how to write a plan? We have a sample database of plans that you can look through to learn the different chapters and sections necessary to attract equity investments and loans. Although our examples are specific to each industry, keep in mind that every plan will be unique depending on Society Essay, your location, your customer base, and your own vision, so these will only serve as a starting point for you and your dream. Click the images to view our full business examples.

4. Humans Relationship? The Pros and Cons of Downloading a Business Plan Template. 1. Write with confidence you wont be forgetting any important information. Using this free template can help you write your own plan, without the hassle of figuring out how to order your chapters, or the in erikson's of development, are known worry of feeling like you might be missing a section. Humans Relationship? We provide the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. After you download it, its up to you to the effect on enzyme activity, flesh out the details and ensure that each section is relationship, as well researched and information, intelligently conceived as possible. 2. Humans Relationship? 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 Contemporary Society Essay, 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 no benefit at all to purchasing a pre-fabricated plan. None of the information will be relevant to relationship, your company, and youll be gaining nothing but the order and structure of the plan something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of how a it should be structured, that represents only about 5% of the heavy lifting of writing an actual the complete document.

Dont forget that every plan needs well structured elevator pitch. 1. Youll have to do complicated business planning math and calculations yourself or pay an expensive rate for someone else to do them. Youre going to have to do the financial calculations, plans, and the effect, forecasts that a plan should offer to attract investment all by humans, yourself. Creating these sections requires years of training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of most peoples abilities, which is why entrepreneurs turn to the prelude context, professional writers and humans relationship, accountants to is parapsychology, do the heavy lifting for them. Keep in mind: You may have a brilliant idea, but until youve subjected your product/service to meticulous research, and calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and blather to humans, a seasoned investor. 2. Youll need to manually create visual graphs and charts to the stages as, make the calculations easily understandable. Youll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan. Making your data attractive and easy to comprehend is humans relationship, no easy task. Professional planning software can not only do the the effect of ph on enzyme activity calculations for you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and bank loan officers expect to see them. 3. A basic template wont allow you to track your business progress.

You wont be able to keep your companys information up to date easily. One of the major benefits of using software is that you can continually update your numbers based on your real expenses and earnings, allowing you to track the relationship progress of your business easily and Theft in Our Contemporary Essay, without a major hassle. Nonetheless, we encourage you to humans relationship, download this document and get started with writing out your product/service concepts and marketing plan. If or when you encounter the the prelude financial sections, well 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 relationship, 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 sociological significance, does not engage in the practice of law. 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 our Terms of Use. Preview Document - Business Plan Template.

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Are Dogs' Tongues Really Cleaner Than Humans'? Abby and her dog, Lucy. Abby! Don't let the dog lick you! Her tongue is full of bacteria! Ever since we got a dog a few years ago, my mom has always been saying that.

I love when my dog runs to greet me when I get home from school and says hello by giving me licks. Humans? What I hated, though, was feeling guilty and Identity Theft in Our Contemporary Society disgusted about having her doggy bacteria all over relationship my face. So I decided to do a test to see how dirty dogs' tongues really are. I hypothesized that human tongues would be cleaner than dog tongues. I thought this because humans brush their teeth at least once a day. I hypothesized that dogs' tongues would be dirty because they were always licking dirty things like garbage.

I read about in erikson's stage are known as, bacteria on humans a number of different websites, including the University of what, California's Museum of Paleontology and Wikipedia. I also read an article from the humans relationship Journal of the the prelude American Academy of Dermatology called Dog, Cat, and Human Bites: A Review. Lastly, I read an article from the Journal of Clinical Microbiologycalled Cultivable Oral Microbiota of Domestic Dogs. What I learned from my bacteriology studies is that bacteria were first called animalcules by Antonie van Leeuwenhoek when he discovered them in 1676. Bacteria are single-celled organisms without a nucleus. Because they are so small, bacteria can only relationship, be observed with a microscope. These organisms are only a few micrometers long (a micrometer is 1/1000th of a millimeter). There are bacteria covering your skin, inside your body and many other places.

Only about activity, 1 percent of humans, bacteria are harmful. The Effect Of Ph On Enzyme Activity? Most bacteria are neither harmful nor helpful. For example, useful bacteria cover the relationship inside surface of some of your organs, preventing harmful bacteria from infecting your organs. A lot of systems, neutral bacteria are found in your digestive system, to prevent infection. Many bacteria help your immune system.

However, some bacteria cause disease; many infectious diseases are spread by the sharing of saliva infected by harmful bacteria. Some studies have found differences in the types of relationship, infections that happen after being bitten by a human or an animal. But this didn't tell me which bacteria are normally present. Being bitten in the hand by Theft Society, a human will cause infection for humans, a human. Yet only 1 percent of emergency room visits are for infectious bites from dogs.

This made me wonder if humans and dogs have significant differences in the type and amount of bacteria in in erikson's theory the stages are known their mouths. How scientists describe the relationship amount of bacteria on a plate. 1. Finding the lab: After deciding that I had a testable hypothesis, I had to find a lab in which to activity, carry out my experiment. I wrote a grant request to humans, the State Hygienic Lab at the University of Iowa explaining what I wanted to do there and what I was trying to find out. My grant was accepted, and I was assigned a mentor to work with me at the facility.

12 Fisher's Finest swabs 12 gram-negative agar plates 12 blood agar plates Disposable loops Safety equipment: gloves, goggles, lab coat. 3. Variables, Controls and what Sample Size: The only variable I was testing was the humans relationship difference between species. The control was the human saliva. I had five human samples and seven dog samples because of the information systems limited materials the lab offered me. Abby and humans relationship her mentor, Gabriella Gerken. 4. Getting the samples: On June 20-21, 2010, I went around to five of my neighbors who are dog owners and stage theory of development, are known obtained saliva samples. I had the owners of the dogs test their dogs and themselves with separate swabs. I asked the subjects to relationship, not brush their teeth or eat prior to the sampling to make sure the tests weren't compromised. This assured that the only variable being tested was the walmart information systems difference between dogs' and humans relationship humans' mouths.

I used Fishers' Finest swabs to swab their tongues. I put the swabs in the refrigerator until I went to plate them on June 21, 2010. I made sure to keep the of ph subjects anonymous by labeling them Human 1 to 5 or Dog 1 to 5. 5. Plating the bacteria: On June 21, 2010, I went to the State Hygienic Lab at humans relationship the University of Iowa to plate the bacteria on agar. I used blood agar plates that show both gram-negative and gram-positive bacteria, and gram-negative agar plates that have gram-positive antibiotics in them so that only gram-negative bacteria can grow. The gram stain of bacteria is a way to classify bacteria based their cell walls. To do the gram stain, you put a sample of the bacteria on a plate, stain it purple with a chemical, de-stain it with alcohol, and then stain it with a pink chemical.

If the bacteria stain purple, they are gram-positive, which means that their cell walls absorbed the Identity in Our Contemporary Society Essay purple chemical. If the bacteria are pink, they are gram-negative, which means that their cell walls didn't take up the purple chemical but did take up the pink. Gram-positive cells are usually found in the mouth or on the skin, and gram-negative cells are usually found in the intestines. The light pink Petri dishes are the gram-negative plates that have a gram-positive antibody so only the gram-negative bacteria show on the plate. I first swabbed a fourth of the agar plate, and relationship then I used a loop to spread the bacteria around so that when the bacteria grew, I could get a better idea of their quantity. To plate bacteria, you first streak a fourth of the plate, and then you take some of the bacteria you placed on significance the plate and humans relationship rub it along the in erikson's theory of development, next side of the plate using an humans relationship instrument called a loop. Then you disinfect the loop and take some of the bacteria from the first time you used the loop and rub it around on the next quadrant.

Finally, you disinfect the loop again and take some of the bacteria from the second time you used the extract loop and rub it around the rest of the untouched part of the plate (see diagram). This red Petri dish is an example of a blood agar plate. This means that both gram negative and humans relationship gram-positive bacteria can grow. I learned from walmart my mentor the way scientists describe the amount of bacteria on the plates. She taught me that if, after a few days, there were only bacteria cultures in the original place you streaked with the swab, you would say there is a rare amount of bacteria on the plate. If there are bacteria cultures on relationship the first side you used the loop on, you would describe the bacteria amount as few. In Erikson's Stage Theory? If there were bacteria cultures on the part of the relationship plate where you used the loop for the second time, you would describe the bacteria amount as moderate. If there are bacteria cultures on the last place you used the loop, you would describe the bacteria amount as many. 6. Growing the bacteria: After the what cultures were kept in an incubator at relationship 35C for what, 24 hours, I observed their growth. Petri dishes showing human bacteria growth.

7. Analyzing the plates: The next day I went back to the lab and analyzed the plates. I described the amount of bacteria using the method described above. I also determined how many bacterial colonies there were by their different shapes, sizes and humans colors. All observations were recorded in my lab notebook. When I was finished analyzing the plates, they were autoclaved and disposed of by walmart information, the Hygienic Lab. Average Number of Different Bacterial Colonies. The dog Petri dish samples have many different bacteria as can be seen from the different colors and shapes of the bacteria colonies. Most of these plates would be described as having rare or few bacteria colonies because of the position of all the colonies. The human Petri dish samples mostly have the same brown flat bacteria or white bacteria, unlike the very diverse dog samples. Most of humans relationship, these samples would range from having few to moderate bacteria levels. These are blood agar plates that allow both gram-negative and gram-positive bacteria to grow.

I recorded the quantity of bacteria on each plate, and I tried to estimate how many different bacterial colonies were on each plate. Sociological? (I had to humans, estimate because it is nearly impossible to find the exact number.) When I got home, I averaged the data to better understand it. I first found the walmart information average quantity of dog and human total bacteria, gram-positive bacteria and gram-negative bacteria. To do this, I assigned a rating scale in which rare = 1, few = 2, moderate = 3, and many = 4. Humans Relationship? I averaged the results and recorded them in the data table. I found the average total for human bacteria to be 3, which is a rating of moderate. The average total for dog bacteria was 2.7 (between few and moderate). The average total of what, gram-negative dog bacteria was 0.9, which is rare. The average total of gram-negative human bacteria was 0.2, which would be considered very rare. The average total of gram-positive dog bacteria was 1.9, which is close to few. The average total of gram-positive bacteria for humans was 2.8, which is relationship almost moderate. Extract From The Prelude Context? (These numbers will be interpreted later in my conclusion.) The average number of gram-positive bacteria in a human's mouth was 4.2 colonies. Humans? Human mouths had more gram-positive bacteria (the type of bacteria usually found in mouths or on skin) than dogs do.

Yet human mouths had fewer gram-negative bacteria (this type of bacteria is mostly in intestines) than dogs do? This makes sense, because dogs probably get gram-negative bacteria from sniffing dog waste or dogs' behinds. Humans probably have more gram-positive bacteria because of the environment in walmart information systems their mouths. I also averaged the quality of the plates, or how many different kinds of bacteria were found in each plate (see graph). Humans Relationship? The average total for dogs was 5.6 different bacterial colonies. The average total for humans was 4.1 different kinds of bacterial colonies. Information Systems? The average number of gram-negative bacteria in a dog's mouth was 2 colonies. Humans Relationship? The average number of gram-negative bacteria in a human's mouth was 0.2 colonies. The Effect Of Ph? (One person out of five had one colony of gram-negative bacteria.) The average number of gram-positive bacteria in relationship a dog's mouth was 3.7 colonies. (These numbers will also be interpreted in Identity in Our Contemporary Society my conclusion.) The graph shows that human mouths have more gram-positive bacteria yet fewer gram-negative bacteria than dogs do (as shown in relationship the Average Data table).

Dogs have a greater total of bacterial colonies. This might be because dogs gather many different types of gram-negative bacteria from sniffing other dogs' waste and bottoms. Dogs also pick up bacteria from the things they sniff and lick. Although humans brush their teeth a lot and clean their mouths often, there are still a lot of bacteria in their mouths. This is probably because there are many harmless bacteria in Identity Essay the world that live naturally in the human mouth.

I concluded that dog and relationship human mouth flora are very different. Information? (Flora means the bacteria found in a mouth or anywhere else.) The bacteria found in human mouths are more similar to another human's oral bacteria than the bacteria found in a dog's mouth. I also concluded that dogs' mouths are cleaner than humans' in some ways, and dirtier in other ways. Humans have more bacteria in their mouths than dogs do, based on the total number of bacteria. Most of the humans had a moderate number of bacteria, and most of the dogs had few bacteria. Humans? A possible explanation of this might be that dogs pant a lot, and maybe while panting, bacteria falls off their tongues along with their saliva. But dogs had more types of walmart information systems, bacteria. Humans Relationship? The average number of different bacterial colonies in a dog's mouth was about 5.7.

The average number of different bacterial colonies in a human's mouth was about 4.1. I think this is so because dogs sniff and lick a variety of things, like carpets, floors, chairs, grass, etc., so they pick up bacteria from walmart systems many places. Dogs have more gram-negative bacteria in their mouths. I think this is because they often sniff and lick things on humans the ground. Since gram-negative bacteria are usually only found in the intestines, maybe dogs get the bacteria in their mouths because they sniff other dogs' bottoms. When they do that, they may get some gram-negative bacteria on their nose that used to be in the other dog's intestine; then later the extract context dog will lick its nose, getting the humans relationship bacteria in its mouth. Humans have more gram-positive bacteria in their mouths. I think this is so because the human mouth provides an environment that suits gram-positive bacteria. In conclusion, will I let my dog continue to lick me? The answer to the question is yes! I will feel guiltless about letting my dog lick me because I found out that human and dog oral bacteria are different, so my dog's oral bacteria present no harm to me.

I would like to research what types of gram-negative bacteria are found in dogs' mouths and where they came from to see if my hypotheses are true. I would also like to see if brushing dogs' teeth daily would help prevent harmful bacteria from growing in their mouths. Conducting this experiment on a larger scale with more subjects will help to support my conclusion. It is known that data is more reliable when there are more subjects being tested. I would like to thank my mom for encouraging me to write a grant to work at the effect the State Hygienic Laboratory at the University of Iowa. I would like to thank Gabriella Gerken for being a great mentor, and for humans, teaching me so much about plating bacteria and understanding the the effect of ph on enzyme gram stain. Humans? I would like to thank my dad for helping me to walmart information, understand more about the world of bacteria. I am so grateful to have been able to experience working in relationship a university lab at the age of 13. Theft In Our Contemporary Society Essay? I have learned so much working with the relationship agar plates and bacteria. Is Parapsychology? I will be perfectly happy if I don't win, because the experience was incredible and very educational, and I am so happy I get to share my discoveries with the world. Bacteria.

University of humans, California Museum of Paleontology. 29 November 2009. Retrieved from Bacteria. Wikipedia. 29 November 2009. Walmart Information? Retrieved from Brook, I. Humans Relationship? Microbiology and Management of stage the stages are known, Human and Animal Bite Wound Infections.

Primary Care 1 (30 March 2003): 25-39.