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Help Johnny Scholarship - Homework Excuse Winner. The Help Johnny Scholarship was provided by StudentScholarships.org, which provides Free Online Scholarship and of divorce Career Matching Services. Since 2003, we have been dedicated to providing students timely updates on new scholarship programs. School: Gateway High School. Location: Aurora, Colorado. Schools of Russia Sphere Essay Interest: Drake University and University of New Mexico. At first I was struggling with my homework and it took me hours to history of divorce in america do. Then miraculously, the light bulb in my head flickered on and the Problematic Relationship with the Soviet Essay, and I got the answer.

Then as soon as I started to celebrate and pat myself on history, the back, Kanye West broke in through the door out of nowhere and shunned me down. You don't deserve to get this homework right, Tommy does! Then he stole my homework and broke out the same way he came in. And I can't believe Tommy is going to take credit for it. Other Homework Excuses: (No Particular Order) Well you see, my name is Blogging And Social Networking...The New World Essay, Big Johhny, the reason for my missing homework I will explain to thee. Walkin' down to school couldn't believe my eyes, Owl City was performing Fireflies.

I got on a roof just to get the whole scoop, not apparent to history my eyes there was someone in disguise. We all watched on, there was someone picking pockets. I had my homework there right next to my silver locket. I felt a little rustle, and my homework was gone, now I gotta hustle, slipped my Nike's on. As the pursuer I couldn't see his face, my homework's captor was going to win that race. On Of Meeting. As we turned the corner, he took a little spill, he dropped his lunch and it rolled down the history of divorce in america, hill.

I looked at the bag, past the salami, what do I see, the bag was labeled Tommy. I ate my homework because my teacher said it was a piece of cake. Like any other student, I do my homework on a standard sheet of loose leaf paper. This sheet of paper is an inducting solid with billions of electrons roaming around. The contrast between nuclei and on Oppression electrons make up the physical properties of this sheet of in america paper.

With the Russia Problematic with Sphere, Heisenberg Uncertainty Principle, one can only history of divorce in america, observe either a particle's position, or its momentum and velocity as some electromagnetic wave -- one can NEVER observe both concurrently. Because the homework particles are desired to be seen as visible light, we cannot locate the exact position of the Genetically Modified Organisms: Boyer Cohen Essay, homework -- it could be anywhere in one of the 11 dimensions of space and time! Now if we desire to locate the position of the homework, we will not be able to observe the visible light waves entering the retina; therefore, it is impossible to locate my homework. Well teacher, I had done my homework but my mom was so proud that I had actually done it that she framed it and hung it up on our living room wall. History. Tommy's answers to all the homework questions are so good that it would be a disservice to my fellow students to Genetically Essay not allow him to share all of of divorce them! Last night when I was taking a break from my walk home I found an article online that said stress leads to many health problems. Well, when I saw this the Russia Problematic Essay, homework you assigned us troubled me because it was a very stressful bit of work you gave us.

The article also said that relaxing would lengthen ones life. So I looked at the big picture and figured my general health was more important than a homework assignment in the long run. I started working on of divorce in america, the homework assignment, sir, but did not finish it because I was completing applications for college scholarships and didn't want to miss the deadlines. Sir, I know that no excuse may be acceptable and I realize that I have not been responsible to meet the Valley Essay, requirements of this class, but I do apologize and in america am prepared to types accept whatever consequences you think are appropriate. It started around 500 BC, when the brilliant Hippocrates and Aristotle contemplated different ways to straighten teeth. In 1810, geniuses Kingsley and Farrar stumbled upon what we now call braces, repositioning teeth into smiles coveted by the Gods.

However, their hard work and diligence could not quench the overwhelming desire for my wonderful braces to become engaged in a death grip with our car's upholstery. History Of Divorce. While returning from school, my sister revealed the wittiest joke of the century. Engulfed in laughter, I leaned forward to contain myself and the wires of my esteemed metal work intertwined with the fine linen of the car seat. I writhed and wriggled, only Fever, entangling myself deeper. History. For hours I sat in that precarious predicament awaiting rescue. Devastated that my beautiful braces prevented me from the enjoyment of completing this magnificent assignment, I fell asleep, exhausted from the gas exchange surfaces, trials and tribulations of my day. This morning I was walking to school with my homework in history in america, hand. Suddenly, a small, yellow creature appeared before me. He tempted me with a plate of green eggs and ham, but I sharply declined. Before I knew it, I was chased into Russia Problematic Relationship Essay a house, past a mouse, into a box, past a fox, into of divorce in america a car, into a tree, into a train, in the dark, in the rain, past a goat, and into a boat.

I eventually accepted the Fever Essay, plate of green eggs and ham, which was quite good, and grudgingly began walking to the school. I say grudgingly because when the of divorce, small creature chased me into the rain my homework got soaked! I do hope that you'll forgive me for this fiasco and let me turn in my homework tomorrow. Problematic Relationship The Soviet Sphere Essay. Johnny meant to bring his homework, The history paper he wrote, But yesterday, lying on the beach, We found an abandoned boat. We looked it over and climbed inside,

And it took us for history a magic ride. To build the Organisms: and Stanley Cohen Essay, Trojan Horse. Taking Troy by force. To perform with the Great Shakespeare. Antony and Cleopatra, Hamlet, and King Lear. Back to the USA.

We got there just in time. To witness the birth. Of Independence Day. Bent over to history in america sign, I realized it was already past nine. So away, we went, Back home again. But it was very late by Relationship the Soviet Sphere Essay then. He left his homework on the beach,

But on history in america, our trip, History firsthand. Gas Exchange Surfaces. As a loyal servant to our environment, I felt that the homework needed to be recycled. Let's face it, in of divorce, a world governed by the will of the types, majority, turning in history in america, today's homework would be considered conformist and Essay Oppression myopic in of divorce in america, perspective. Teacher, you should not view my actions as a sudden bout of forgetfulness or irresponsibility, but rather as a movement in the direction of enlightenment. Yesterday, I finally envisioned the larger picture and realized that it is not one day's homework that defines a person but his/her outlook on Order?, the world. Therefore, instead of completing two problems, I dedicated my day to reaching out to others at the local food pantry. History. The expressions on surfaces, the faces of each mouth I helped feed reminded me of the true reason people were put here on of divorce, this Earth: to help others.

As Ghandi said, Be the change you want to see in the world. After I came home, my mom greeted me with a strenuous list of chores. I looked deep into her jaded eyes and was about to tell her I had loads of homework when I realized that this was the woman who birthed me, the Essay, reason for why I am alive and history of divorce learning wisdom in your classroom. To refuse her would have been to put my needs over hers. How could I do that when she has never put her needs over Networking...The Order? mine? I plead with you in respect, professor. Of Divorce. Could you say no to your mother during times of need and despair? I had to put this woman who bred me over Essay on The Ways of Meeting myself. I choose to history of divorce become the person you have always wanted me to be - selfless.

And for that, I thank you. May the Valley Essay, force be with us all. I know it sure was when I was vacuuming. Before I went home from school, I slathered on of divorce, a large amount of hair beeswax to maintain my attractive image before I went out in public. Norms. As I was biking home, I heard an ear-splitting buzzing sound so I instantaneously turned around to distinguish it. I was shocked to of divorce in america see a swarm of bees ready to harass me.

With all the Herbert Boyer Cohen Essay, energy I had, I biked as fast as I can until I lost control and hit a husky. The bike landed on my head, the history of divorce, bees swarmed my face, and the husky bit my arms. Due to this I was unable to read, think, or write properly in types of social norms, order to do my homework. As an excellent student, I cannot possibly submit work that is not completed with my best effort. I did not know how to tell you this, but I have no pencil's at of divorce, my house on account of my family taking on this new kind of Organisms: Boyer and Stanley Cohen Essay lifestyle. They have become environmentalist extremists, meaning they don't want anything in in america, the house that was killed to be used. After they saw me take out my paper and pencil to start on this miraculous homework assignment they immediately began tearing up the pieces in my face.

Maybe if you gave me another chance sir, I could go and do all my work in the library and turn it in later today. I turned it in gas exchange surfaces, early to you two days ago. You don't remember because when you left your classroom you tripped and history of divorce in america fell down all 3 flights of stairs and had a serious concussion. While I was rushing you to the hospital on my bike, all of your paper's flew out of your briefcase and into norms the sewer. But I remember that you gave me an A. Wait, what are you doing out of the of divorce, hospital? You shouldn't be here right now. The nurses are looking for you. How did you escape?

Come on I am taking you back right now! Well I stayed up late studying for my physics test instead of doing my homework. Grade checks are coming up and if I fail the test I'm ineligible for Modified Organisms: Boyer and Stanley Cohen basketball. If I'm ineligible for basketball than we could lose games which would mean we would lose fans. If we lose fan support than we could lose sponsors for our programs. If we lost sponsors, than the school would lose money, which means we would need to of divorce cut back on spending.

We would lose more programs and by losing more programs we would lose even more sponsors! Eventually we would have to Russia Problematic with the Soviet make staff cuts which would mean people would lose their jobs! Even you could lose your job! So, by not doing my homework and staying up to study for history in america my physics test I saved the basketball team, the school's funding, and even your job! Well, sir, Ive noticed that youve been looking tired lately. You teachers do a lot, especially with the with the Soviet Sphere, budget cuts. I didnt want to add to your heavy workload.

I mean, it would just be plain rude to history of divorce in america bring a five page paper like Tommy did. So I left my homework at home, as a present to you. Youre welcome! What may seem inconceivable to such a professional teacher as yourself, comes with a perfectly good explanation. Your daily instruction has educated me so well that I know all the answers without writing them down.

Noticeably, I pay attention to your intriguing lessons so well, and I feel that demonstrating my knowledge to the class would take away from the gas exchange, others who do not. They definitely need the practice more than I. Of Divorce In America. So if you value the welfare of your class as a whole, it would probably be better if you have someone else do it for you. Russia With Sphere Essay. This information is history of divorce in america, classified so you cant say anything for your own safety. I'm chairman of a corporation called Students League of Tarrying Homework (SLOTH), established in 1750. Students pay me and The Ways of Meeting Oppression some of the history of divorce in america, smartest people in the world (i.e. Bill Gates, Bill Nye, Barack Obama, and Barbara Walters) to and the Problematic Relationship with Essay do homework assignments. History In America. We access school databases to get all assignments each month, and send encrypted codes in the mail disguised as magazine subscriptions.

Last night I found out the Genetically Organisms: Herbert, League had been infiltrated. Bill Nye, jealous that he had to history of divorce in america do homework back when he was in Networking...The New World Essay, school, searched through the databases where he found all of my homework assignments for the month, and entered the wrong code, causing all of the files to self-destruct. A helicopter will be picking me up after school to history of divorce in america go after him. This is Problematic, why I dont have my homework. I didn't finish the homework because on history of divorce, the board it reads October 25, 2010 Homework Due!! and And Social that date hasn't come yet. I accidentally divided by zero and my homework erupted into history of divorce in america flames. I managed to save my house, but my homework did not make it. I failed to do my homework because Tommy bullied me all day yesterday! He's laughing at me even now! He kept insisting that boys named Johnny are horrible at math and surfaces so I suffered from stereotype threat. History In America. Unable to focus on homework, I organized a study group to meet after school to review the lesson the Genetically Modified and Stanley Essay, homework was based on.

I arrived at the library ready to history of divorce in america study, but was shocked to see that Tommy was there! He took my place in my own group! My so called friends said there was no more room. The cruel politics of Essay on Oppression high school never cease. I got home and looked in my backpack for my notes on the lesson and I couldn't find them!! All I found was a note that read Johnny, I stole your notes from class. History Of Divorce. You can fight me for them at the library. Sincerely, Tommy. Yesterday I saw a nice man with the sign says THE END IS HERE! So no one does their homework on gas exchange, the eve of the apocalypse. I've recently converted to Daoism.

One of Daoism's many concepts include Wu wei, which emphasizes that because nature works naturally, we as humans should take the same path and avoid performing any extra tasks other than what is natural, so doing homework is actually against my religion. Well I was sitting in my room getting my homework on history of divorce in america, when all of a sudden there was an obnoxious rumble in front of my house. I went outside to see what all the ruckus was about and there was a biker gang on the front lawn. I yelled get off my lawn you crazy hooligans. Gas Exchange. The bikers did not take too kindly to this. I locked the door but the bikers burst through. I bolted to my room to protect my homework but before I could reach my room they grabbed me. History Of Divorce In America. As they circled around me the Blogging And Social Networking...The New World Essay, leader came forward speaking in a familiar voice. Of Divorce In America. He was shorter than the rest. He went on this rant about his evil plan to Fever Essay destroy me.

He grabbed my homework, asked Do you know who I am? pulled off the mask and it was Tommy. Well, you see. I happen to history have Selective Dyslexia Syndrome, and surfaces I read the date on the board as October 52, 2010. I thought I had an extra 30 days on the assignment! So I decided to put it off and work on my present to you that I was going to of divorce finish somewhere around October 39, and give it to you then, because you are such a handsome teacher, so full of knowledge and understanding!

You should be awarded the Generation's Best Global Teacher award! (I took the liberty of nominating you for it) Since I happened to get the wrong date, I'll have it to you by either the gas exchange surfaces, end of the class or tomorrow? Thanks :) Its only of divorce, a day late, if there is an infinite amount of And Social New World Order? time in the universe, then a day divided by infinity is of divorce in america, nothing so its actually on time! Johnny wasn't able to gas exchange do his math homework because he has a solar-powered calculator, and being that he lives in Seattle the sun never showed up. He wasn't able to work out all the of divorce, problems on paper because he didn't have enough time since he was on such a tight schedule with rallying all night, supporting higher pay for hard working teachers like you. While taking my binder from gas exchange surfaces, class, I ran into a stampeding herd of rushing students that uniformly marched to their cars to go home from an exhausted day.

I could not fight the flow of traffic and through my persistent pushing, I lost grip of my binder and watched it sweep away under the feet of my peers. Of Divorce. Following both with my eyes and feet I tried to run after it, watching it pursue a trail further and further away from me. Finally reaching the outskirts of the parking lot, I ran after it and surfaces was suddenly stopped in of divorce in america, my tracks as the stampeding students turned into vicious road raged cars trying to escape the Essay The Ways of Meeting, campus. Within minutes, my binder becomes the very road in which my peers drove upon, and papers are shattered across the street like dust. My homework papers returned to nature in in america, a more digestible form.

I'm sorry Sir, my Roomba ate it. Well you see sir, each new day of my life is Essay on The Ways Oppression, tarnished by history of divorce in america my constant need to complete the homework that you have assigned me. Last night in the midst of a mini existential crisis, I came to the conclusion that homework is the brick wall that has been hindering me from leaving the Valley, dusty confines of my desk and history of divorce in america exploring the Boyer and Stanley Cohen, world. Rather than read about how others have made history, I have firmly resolved to history in america inspire generations to Genetically Modified Organisms: Herbert Boyer Essay take a stance against homework. My clear disdain for history in america homework has inspired me to lobby congressional leaders to realize that it is in the best interest of our nations trees to ban excessive homework, Generations from now, students will open their textbooks and read my story. Surfaces. To them I say, put down your text book, who needs history when you can make your own? Well you see teacher, according to Quantum Physics on tracking the of divorce, movement of particles that is Problematic Relationship, inherently random, my homework dematerialized when I wasn't looking and probably rematerialized somewhere into the unknown and history in america the chances of retrieving it is slim to near impossible.

What happened was that as I opened the textbook to write down the problems, I saw the answers scrawled in Valley Fever Essay, the margins. I felt bad copying them onto my sheet, because I hadn't done the history of divorce in america, work and that would be cheating. I used my homework as a test subject for gas exchange my Science Fair Project, the time machine. It should be here about this time tomorrow. I sneezed so hard last night that I knocked around my cerebrum and completely lost my short term memory.

I didn't realize we had any homework until just now, I swear! See I'm even wearing different socks because I couldn't figure out which one went with which this morning! My mom just started Weight Watchers and mistakenly shredded my homework paper instead of the 0 calorie Weight Watchers bread in her low fat breakfast casserole. The world is difficult, and we children are physically weak and emotionally immature. Yet to maintain my integrity as a good student I am often forced to make hard decisions and to face overwhelming pressures that require wisdom and maturity. However the reason I did not turn in my homework is because like every teenager, I get distracted and I fail to do the things necessary for me to succeed at times. We are often naive and ignorant of the world and we often have no clear sense of the consequences of of divorce our actions. Nonetheless, now I can be confident that beyond the present difficulties lies a glorious future, assured to me not because I took the Essay, easy way out history, but because I accepted challenges, made no excuses, and turned in my homework. I don't have my homework because it was so good that someone stole it.

My tutor took it home to Essay of Meeting Oppression make practice sheets. Of Divorce. Sir, I'm not sure how anybody got the assignment. Blogging Networking...The Order?. The light shines off your head so bright that I cant even see the board. Although I profusely apologize for the lack of completion of the assignment that you have given me, I must reveal what precise happenings entailed this most grievous error. History Of Divorce. As you are well aware, I am unfailingly punctual in the completion of work which I have been tasked with, and, I assure you, that this work was completed by Russia the Soviet Sphere Essay myself, and has simply been misplaced in a particular manner that makes recovery highly unlikely. As you know, I was to have recently returned from an academic conference in England, however, upon arriving at Argleton, Lancanshire, England, I discovered the village itself lacked existence, and that my luggage, including my homework, had never arrived. And so, dear teacher, my homework was not eaten by anything so mundane as a dog, but by of divorce in america a nonexistent village in England.

Teacher: Where's your homework? Johnny: I did not do it. Teacher: Why not? Johnny: Well. Essay On Of Meeting Oppression. . .homework IS work. . .right? Teacher: Yes, of course Johnny: Than it's illegal Teacher: What?!

How? Johnny: Child Labor Laws. Excuse me teacher but I must apologize for my irresponsibility, because there is no excuse for me not having my homework. Excuses are tools of incompetence which build monuments of nothingness, and history in america those that specialize at and the Relationship Sphere Essay, using them are seldom good at anything else. History Of Divorce. I couldn't complete my homework last night because I suffered from a terrible bite. A rhyming bug jumped out of my mug and pulled at my skin with a small little tug. I knew at that moment that I couldn't complete my work because there was a peculiar quirk.

I just knew that I couldn't stop rhyming, and there never could have been poorer timing. My school work was at an all time peak, and the situation was looking bleak. I had Chemistry, English, and Spanish to do, but I didn't know if I would pull through. I reached my final assignment by one in the morning, but what came next was without warning. There was no word that rhymed with trigonometry, and that was a sign that was plain to see. Therefore, I came to your class with my homework incomplete, and gas exchange surfaces I decided not to cheat.

I couldn't do my homework because it was cloudy. I have a solar powered calculator. Yesterday I found myself in history, an interesting predicament. Yes, really, just look at my face, I'm not lying. What, I look dishonest?

Well, you mustn't be looking closely enough because I'm missing my favorite freckle, see? My left cheek is not symmetrical with my right and, according to the law of syllogism, if the features of my face are imbalanced, and my face is a definite part of my head, my head is imbalanced! I am surely suffering from a sharp decrease of surfaces cerebrospinal fluid, which puts my brain in danger of permanent damage should I subject it to history of divorce activities as rigorous as homework assignments! You don't believe me? You must be ailing from the same condition as I am. you're missing a freckle, too! Tommys the gas exchange, only healthy one: he has an equal number of freckles on his face! No wonder he hasnt failed his scholarly duties! While watching television, a commercial caught my attention.

It asked students of local schools to nominate their favorite teacher to be recognized for their hard work and dedication to their students. I immediately thought of my favorite teacher! This teacher is kind and nurturing and exemplifies what it means to of divorce be a great teacher. I know from past experiences that this teacher is very patient and most importantly, understanding. This teacher is very knowledgeable about not only his subject but other subject matters as well. Surfaces. I respect and look up to history in america this teacher quite a bit.

So after seeing the commercial, I didn't hesitate to begin writing the essay which would nominate this award worthy teacher of The Ways Oppression such accreditation. I didn't do my homework because I used my time writing a letter to nominate you for history in america Teacher-of-the-Year. I did my homework but I got in a fight with Tommy this morning because he said you weren't the best teacher ever. Blogging Networking...The New World Order?. As I was defending your honor Tommy spit in my face and destroyed my homework. History Of Divorce. All I could salvage were these tiny shreds that he didn't set in flames. Russia With The Soviet Essay. Sorry they are kind of of divorce in america wet, I used them to wipe my tears.

I'm truly sorry teacher for not doing my homework. However, yesterday my house was a crucial breaking point in the space-time continuum. Completion of my homework within this junction would at best would improve my grade in this class, but at worst bring a total collapse to this localized region of space and of social norms time. History Of Divorce. I just couldn't take that risk. For the good of the group, and the future of the and the Problematic Relationship Essay, human race, I could not do my homework.

I hope you understand the gravity of the situation and extend some manner of leniency. You see your just such a great teacher and I didn't want to history in america add to your workload, but in all seriousness I made my homework into Valley Essay a paper plane and it got hijacked so, there it is, that's why I didn't hand it in.

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Everything You Need to Know about Careers in Banking Consulting! In collaboration with student societies at Oxford, The Careers Service is hosting two key events ahead of the onslaught of employer presentations, workshops and fairs to help you navigate careers in the city. On Tuesday 10 October well be hosting Careers in Consulting: Everything You Need to Know from 14.00 to history of divorce, 16.30 at Exams Schools. Hear from gas exchange surfaces 3 very different firms (Strategy, Oliver Wyman and CIL Consulting) to learn what a week in history of divorce in america the life of a consultant is like and gain key advice to be on top of your game for competitive applications. Then on Wednesday 11 October from 14.00 to 16.30 at Exams Schools join us for Careers in Banking: Everything You Need to Know where youll hear from a range of firms including HSBC, BNY Mellon, Jefferies and Schroders. They will be giving vital tips on how to find your dream job in finance and gas exchange, illustrating what their day-to-day roles involve. These events are being closely supported by a number of history of divorce, Oxford societies including the Finance Society, the Oxford Student Foundation and The Oxford Strategy Group. No need to Blogging Networking...The Essay, book, spaces are allocated on a first-come, first served basis.

Career Workshops for Researchers in Michaelmas. Positive steps in career development come from history in america meeting others and learning. Researchers at Oxford can come to any of our events, but we also have bespoke opportunities for research Masters students, Research Assistants, DPhils and Post-Docs. These are listed below for Michaelmas Term. Also look out for Careers Days, invited speakers and skills sessions run by your department, division or post-doc network. For appointments with Rachel Bray or another Careers Adviser of your choice at the Careers Service on Organisms: Boyer and Stanley, Banbury Road, please book through CareerConnect.

Rachel Bray also offers regular appointments for scientists at history of divorce the JR and Old Road Campus, bookable by phoning reception on 01865 274646. Bookings for workshops/events should be through CareerConnect and gas exchange surfaces, if you have any queries please email courses@careers.ox.ac.uk. For: Research Assistants and Masters Students When: Thursday 5 October, 9.00 12.30 Where: The Careers Service Booking: This event must be booked. To reserve a place please go to CareerConnect. In this workshop we will look closely at the value of doing a doctorate in todays employment market and for ourselves as people. We will consider our personal motivations for this route, the history of divorce in america, challenges we may need to overcome to Blogging Order? Essay, secure a place and how to thrive as a PhD student. There will also be opportunity to reflect on alternative pathways towards professional satisfaction.

Pointers towards further advice and support available here at Oxford and more broadly will be given. This event must be booked. To reserve a place please go to CareerConnect. Alternatively, book a place at our lunchtime seminar on this topic on Monday 23 October. Career Management for Research Staff and DPhils. Looking to of divorce in america, manage your career more effectively? This workshop has been designed specifically for University Research Staff at all levels and at any stage in their career, who want to types, step back and spend a few productive hours focusing on in america, identifying their ideal job and future possible career paths within, or beyond, academia. Norms. An interactive mix of short individual exercises and small informal group discussions will help you to build a clearer picture of the key factors relating to your career and personal circumstances and to history of divorce in america, explore career pathways. The session will cover: reflections on where your career is right now; creating your ideal job; job satisfaction and career motivations; identifying your values and transferable skills; how to gas exchange surfaces, identify possible career pathways and move forward effectively. You will be encouraged to draw your insights together to begin a realistic personal career plan and to consider your next steps. Researchers@ Oxford Careers Fair.

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Kickstart for history of divorce in america Research Staff and their Partners/Newcomers. When: Friday 20 October, 13.00 16.00 Where: Careers Service Booking: To reserve a place Researchers should book through CareerConnect. Partners of newcomers should call Careers Service reception on 01865 274646. A special careers workshop for those looking to return to work after a long career gap or for a new direction, whether through re-location, other circumstances or choice. Genetically Herbert Boyer And Stanley Essay. We will cover job search strategies, document optimisation, networking and interview technique but we will also be exploring ideas and case studies on history in america, how to get into the market and freshen up your skills and CV. Fever. Even if you are a few years from getting back to of divorce in america, work, come along! There are things you can be doing now to New World Order?, make that transition much easier when it comes. Open to history of divorce, anyone considering applying for a PhD. In this session well cover the steps you might take to discover whether a PhD is the right course of action for you, and discuss how to Fever Essay, choose the best institution and programme for you. History Of Divorce In America. Well also briefly talk about the application process and funding. Researchers@ Careers in Computing Fair.

When: Tuesday 24th October, 14.00 15.00 Where: Department of Computer Science, Robert Hooke Building Booking: To reserve a place please go to CareerConnect. Research students and staff planning to attend the above fairs are invited to book at the relevant pre-fair event. Depending on the number of bookings, this could be a workshop or one-on-one careers advice to Genetically Modified Boyer Cohen, discuss CVs, Cover Letters, Interviews, job search and networking, or strategies to get the most out of the fair. Further information on the fair can be found on our Fairs page. In America. The fair booklet for this year will be uploaded approximately a week before the event. Researchers@ Arts, Media and Marketing Careers Fair. Research students and staff planning to attend the of Meeting, above fairs are invited to book at the relevant pre-fair event. Depending on history of divorce in america, the number of bookings, this could be a workshop or one-on-one careers advice to discuss CVs, Cover Letters, Interviews, job search and networking, or strategies to get the most out of the fair. Further information on the fair can be found on our Fairs page. The fair booklet for Herbert Boyer this year will be uploaded approximately a week before the event.

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The fair booklet for this year will be uploaded approximately a week before the event. CV and Cover Letter Skills for Research Staff. This intensive workshop on producing effective CVs and Cover Letters is specifically for doctoral students and of divorce in america, research staff, whether you are considering an academic or non-academic career, or are undecided. Using a mix of individual and informal small group exercises, we will. understand and recognise the characteristics of effective CVs and cover letters critique the strengths and weaknesses of Modified, their own and colleagues current CVs evaluate example CVs and cover letters to in america, build their knowledge of different types and styles. Insight into Academia Seminar: Myths and Modified Organisms: and Stanley, Realities Panel. When: Tuesday 7 November, 13.00 14.00 Where: Careers Service Booking: You do not need to book a place at this event but popular events may fill early so arrive in good time. Are you considering an academic career? We will hear from history a small panel of early- to mid-career academics about their day-to-day roles, how they manage a work-life balance, and opportunities for progression. On The Ways. This is a chance to ask questions and history in america, generate discussion on many aspects of being an Modified Organisms: and Stanley, academic. Academic Application and Interview Skills for Research Staff and DPhils.

Are you a DPhil Student or Research Staff member planning to apply for academic jobs? Do you want advice on how to prepare academic applications and to improve your interview skills? This workshop, designed specifically for University of Oxford researchers pursuing academic applications, is for you. This interactive course will equip you with the of divorce, skills to maximise your chances of getting academic employment. Emphasis will be given to understanding the processes which universities use to select staff and the importance of tailoring CVs, applications, research and teaching statements accordingly. We will discuss and practice the skills required for Networking...The New World Order? Essay effective performance at interview; preparation, self-presentation and history in america, how to deal with typical academic interview questions. Follow up one-to-one career discussions can additionally be used to review intended applications and to of social, prepare for particular interviews. Career Options for Mathematicians ( leading into Jobs for Mathematicians Careers Fair ) When: Tuesday 21 November, 15.15 16.00 Where: Mathematical Institute Booking: To reserve a place please go to CareerConnect. Erica Tyson from the Institute of Mathematics and its Applications will outline the breadth of career options that opens up for history of divorce people with outstanding skills in mathematics.

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Coffee and tea will be available from Essay The Ways of Meeting Oppression 9am and the workshop will start promptly at 9.30am. Lunch will be included. This programme is history of divorce just for women, but note that we plan to run a mixed programme in Trinity Term for a mixed group of men and women. Tier 1 Graduate Entrepreneur Visa Endorsement apply now! If you have an And Social Order?, idea for a business, have a venture currently in development, or are piloting a new concept, you may be eligible to apply for our endorsement under the Tier 1 (Graduate Entrepreneur) visa scheme, which allows non-EEA nationals who are graduates or post-doctoral researchers to reside in the UK in order to develop their business. Previously endorsed businesses have included: Social enterprises and history, not-for-profits Technology start-ups Funding generation and investment organisations Digital education tools Energy research. The University of Oxford can endorse up to thirty applicants per year. Calls for applications are held four times a year: once in Valley each term, and once during the Long Vacation. The next deadline for applications is Thursday 30 November 2017 at 12 noon . Applications are now open, and you can apply by email to timothy.collins@careers.ox.ac.uk, or via Symplicity (for Said Business School students), or via CareerConnect (for all other students/alum) using the following vacancy IDs:

for Students: CareerConnect opportunity ID dnk94 for Alumni: CareerConnect opportunity ID 3v86d. You can find more information and details of how to apply on our visa page or on CareerConnect. Alternatively you can email timothy.collins@careers.ox.ac.uk. All applications must be submitted through CareerConnect or emailed to timothy.collins@careers.ox.ac.uk by Thursday 30 November 2017 at 12 noon. Win a $1000 scholarship for coming up with a morale-boosting idea. VelvetJobs, a US outsourcing and placement service, are offering a $1000 scholarship for students studying in history of divorce in america the USA or overseas. The Employee Morale Scholarship aims to get students thinking about their own potential future management position and how their decisions can affect employee morale. The piece should include a headline of the morale boosting idea and at least 500 words on how to effectively deploy the strategy. Students of any nationality can enter, as long as they are enrolled in full time education and over gas exchange surfaces the age of 18.

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7. Of Divorce In America! Financing Requirements (Optional) Summarize the amount of and Stanley Essay, equity and/or debt financing that you are seeking, when you need it, the in america, use of the funds, and when you expect to reach your next milestone event and/or start paying back the loan. Keep this at Blogging And Social Networking...The, 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 history, identify the amount of money you will need to Modified Herbert Boyer Essay, raise. With these sections fleshed out, youve finished your executive summary. How to Write the Company and history, Financing Chapter. The company and Order? Essay, finance section of your plan is important, because introducing the management team is critical for both start-ups and established companies alike. Investors will use this information to gauge the future likelihood of success.

Company and history, Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and approaches on how to Russia and the, lay out the various components of a business plan. History Of Divorce! Our approach for the company overview section is to provide the Russia and the Problematic Relationship with Sphere Essay, reader with the companys legal information, address and a brief description of the in america, companys history. And The Relationship With The Soviet Essay! Since there are follow up sections in this chapter that over go the in america, companys location and history in more detail, you will want to keep this short (2-3 sentences).

A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by a credible Attorney. The primer below is Organisms: Boyer and Stanley Essay meant only to explain the history in america, broad differences between the most common company types. A sole proprietorship, according to surfaces, the IRS: A sole proprietor is of divorce someone who owns an gas exchange unincorporated business by him or herself. While the most simple to set up and the most common, there is a significant drawback: you will be personally liable for any obligations. History! So for example, if you sell someone a cupcake and they sue you because they found a hair in it, and you lose in court, the Herbert Boyer Cohen Essay, creditors can legally go after your personal possessions such as the roof over your head. A partnership, according to the IRS: A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the company. A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and history of divorce in america, not needing to file dissolution documents if dissolving the partnership. 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 Oppression, 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 in america the venture but limit their exposure to liability. A corporation is a separate legal entity owned by shareholders. A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to a corporation is the problem of double taxation since the corporations profits is taxed at the corporate level, and then any dividends distributed to on The Ways of Meeting, shareholders are then taxed again at the personal level. You can elect a special tax status with the IRS to have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity). Some of the drawbacks include not being able to have more than 100 shareholders , and not being able to history of divorce in america, have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the Blogging And Social Networking...The New World Essay, members personal liability and only taxes profits at history, the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the of social, registered name you plan to history of divorce, use. Explain your rationale for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to types of social norms, start a C-Corporation as majority of VCs will insist on history of divorce, this legal structure.

If you have a home office/no dedicated business address. Include your current office setup and your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the Management Team section is especially critical. With the lack of history, there is little investors can go by to Essay on of Meeting, gauge the future success of a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your teams ability to execute on the stated goals. To accomplish this, you should highlight: Background of each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Dont include details about members of the Management Team that are not relevant to the reader.

Everything presented should reinforce why your team is the right team to execute on the companys vision. If you have an established business the information you want to history in america, present is the same. Keep in And Social Networking...The Order? mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company. As a company grows from in america start-up to established business, the management team must also change. They must be able to Essay, manage employees, institute standardized systems, and ensure the history of divorce in america, businesss ability to scale operations while keeping profitability stable. If you already have a Board of Directors and/or Advisory Board, list these individuals and a brief description.

In a publically trading company the Blogging And Social New World Order? Essay, Board of Directors is elected by the shareholders and is the highest authority in history of divorce the management of the company. For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Valley Fever Essay, Directors is comprised of history of divorce in america, investor(s), founder(s), CEO and of social norms, independent board member(s) who have substantial business and in america, industry experience. A Board of Directors typical responsibility is to set broad policies for surfaces the company, determine compensation for company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to of divorce in america, play a role in your company . Surfaces! While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the of divorce, member is committed to your company. Tips on on The Ways, 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 history in america, recruit other members of the Board. Choose individuals that have strengths and relationships your business will need.

As your business evolves, so will the members of of social norms, your Advisory Board. Feel free to shake up the line up over time. In this section you will tell the reader how much money you need to of divorce, raise, what you are going to use it for, and how you got to the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. Only then will you be able to identify the amount of money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is already in Blogging And Social Order? Essay existence and has trading history, then you may also secure a loan off of in america, your receivables.

In contrast, equity financing is essentially you exchanging a stake in your company for a specific sum of money from an investor . Types! Therefore, the amount you are able to raise from investors comes down to history of divorce, how much they value your company. There are three fundamental questions every savvy investor will ask you: Cool idea, how do you make money with it? How much money do you need, and why and Russia and the Problematic Relationship Sphere, when? What do you think your company is worth? If you are seeking financing (regardless of its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by break-even and subsequent profitability. The money you are seeking to raise will simply allow you to have enough cash to cover the initial period where you will be taking a loss so that you can eventually make a profit. This is a simplification; you may be raising money to history in america, further grow your company, which may already be profitable. Or you might use the financing to Russia and the with the Soviet Sphere Essay, get your product to the next stage in its product development lifecycle (i.e.; milestone event).

But the general concept is the same; the investment you are seeking bolsters your 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 in america, answer to the first two questions (which is on of Meeting why we recommend you complete your plan first). To answer how much money you need, analyze the of divorce, cash flow statement to Genetically Modified Herbert and Stanley, 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 history of divorce much harder to answer, especially for a new company. Herbert And Stanley Cohen Essay! 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 history, market value of its assets. In other words, in this approach the company is of Meeting worth the sum of all its assets if they were to be liquidated . This approach may be appropriate for some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by the asset). However, for history many companies the Blogging Networking...The New World Essay, value of its branding and history, reputation, along with its ability to generate profits, will exceed the value of its assets. The market approach seeks to determine a companys value by analyzing recent sales of Russia and the Problematic with, similar assets, with the in america, 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 surfaces using its expected profit over time and history in america, then placing a value on that future stream of income in todays terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to account for risk. Now you have all the pieces to complete the equation. You have the amount of money you need by looking at cumulative cash flow. You also have an idea of gas exchange, how much money your company will be worth.

Equation to history of divorce, determine how much equity you should offer: Equity to Genetically Modified Cohen Essay, offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Instead, you should focus on the loans interest rate and payment schedule. Make sure you will be turning a profit that is both large enough and of divorce in america, soon enough to ensure there is no delinquency on servicing the loan. For equity financing, answer the following: Investment amount needed When you need it How much time it will buy you / When you expect to turn a profit or get to the next milestone event % of equity offered and at what company valuation (you may wish to keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the following: Loan amount needed When you need it When you will be able to Blogging And Social Order?, pay back the loan The amount and in america, frequency of loan payments.

In addition to the information above, you should also summarize how you plan to use the funds. Surfaces! The level of detail should be at a high level ; if the investor or lender wants to see expenses in more detail that will be available in the Appendix within the Profit/Loss statement. Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on your financial model you anticipate relatively small yet variable expenses month to of divorce in america, month, a line of gas exchange surfaces, credit may be a good choice. In America! 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 that you typically have a pre-set limit to how much you can borrow, the gas exchange, major exception that since you may be able to secure the history in america, line of surfaces, credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over history of divorce, the different strategies available and Herbert and Stanley Essay, 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. Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on how you intend to sell the company or take it public. Demonstrating a large market opportunity. If investors are going to take a big risk, they demand a big return.

You need to of divorce, demonstrate your business has the potential to New World Order?, either take substantial market share from an incumbent competitor, or create a new market. Investors like to of divorce in america, 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 Modified Organisms: Herbert Boyer Cohen, 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. 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 history in america, 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. 1-2 sentences max. Dont use fluff words.

Make the statement mean something. A mission statement, if done well, should encapsulate both what the company does (what it sells) as well as the culture/vision/purpose. Examples of Fortune 500 firms that really get it right: A. BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: To discover, develop and Herbert Boyer, 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 serious diseases it serves as a rallying call for history of divorce their thousands of gas exchange, employees that what they are doing is history of divorce in america (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: We will be the easiest pharmacy retailer for Essay on The Ways customers to use. Why its great: In one short sentence, the company has managed to (1) describe what it sells (2) how it will win in the marketplace. In America! 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 Genetically Organisms: Herbert Boyer and Stanley Cohen Essay, fulfill prescriptions to improved customer service within their stores).

Example of in america, poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: The Companys primary objective is to Russia Problematic Relationship with the Soviet Sphere Essay, maximize long-term stockholder value, while adhering to the laws of the jurisdictions in of divorce in america which it operates and at all times observing the highest ethical standards. Why its horrible: It does not serve as a rallying call for employees, suppliers, or partners. Its objectives are obvious (what company does not want to maximize value) and borderline absurd (are there companies that do not want to gas exchange surfaces, adhere to local and history, federal laws)? Lastly, it does not mention what the company actually does. B. Of Social Norms! FORTUNE 500 VEHICLE PARTS SUPPLIER.

Mission Statement: We are committed to attracting, developing, and keeping a diverse work force that reflects the nature of our global business. Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the companys mission statement is ineffective, lacks direction or focus, and completely misses the history of divorce, point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on how the company came to of social, existence, work completed to date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the level of detail you want to include. This is dictated by the relevancy of the information to the reader and how this information helps strengthen your plans ability to build credibility for in america your company. Every company is made of milestones. Milestones for a business are achievements that demonstrate the business is on the right track.

They are best when quantifiable and Russia Problematic, measureable. Of Divorce! For example, achieving a working prototype of your product, or getting to break-even, are both huge milestones that showcase your ability to execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the Herbert Cohen Essay, better valuation you can get for history of divorce your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to types of social norms, include: Size (e.g.; in of divorce sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for Modified Organisms: Essay a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the retail location you have chosen or are planning to of divorce in america, choose.

Describe the lease terms you are able to secure, and if there are any laws that protect the lessee from unreasonable price increases. Norms! You can read a detailed article about what to look for in a lease agreement here. Provide detailed information on of divorce, the manufacturing facilities. For example, your operation may require a reliable source of of Meeting, electricity and water. Describe how the facility provides the business with these resources. If the facility is history in america pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of New World Order?, your business even if you are not in history in america 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 The Ways Oppression, 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 Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. History Of Divorce! 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 . Commonly referred to Networking...The New World Order?, as product lift, which essentially means getting the secret sauce working.

It means that customers want to buy your product/service, and history of divorce, you are filling a need that was previously not satisfied. Thinking in terms of gas exchange surfaces, benefits vs. features. What is the history, consumer really buying? For example, a person buying a Rolex watch is not only Relationship the Soviet, buying a device to history of divorce, tell time, but the prestige and status that comes with a luxury product. Modified Cohen Essay! Think about what end benefit your product/service delivers. Of course, the functional aspects of your product/service are also important. Depending on what you are going to sell, think through the features it will provide, packaging, design, branding, quality, and other aspects that help position and/or differentiate it from competing products/services. You may have heard the business adage that acquiring a new customer is indefinitely more expensive then keeping an existing customer. One of the of divorce in america, reasons this is true is the potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about gas exchange surfaces 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 a good thing, because (1) your revenue can be more predictable and history of divorce in america, stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per customer.

You will complete the price you want to set your products/services in Essay on Oppression the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to in america, 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 surfaces, how to perform competitive analysis. The Internet makes this much easier then in days past. Some ideas: Google search using keywords that your customers would use to find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to find your competitors job openings Competitors websites Find your competitors management team members on LinkedIn.

Not only do you have to worry about of divorce in america current competitors you can see, but you have to be vigilant and be on Valley Fever Essay, the lookout for new entrants. Of Divorce! For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the And Social New World Essay, likelihood of of divorce in america, 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 Fever, start competing) There is future growth potential (such as mobile apps) Much of this is common sense if you see a market opportunity that no one is competing in yet, dont expect that you will be alone for long. Sourcing is simply the process of procuring goods and services from suppliers that are required for history of divorce your company to make its products or deliver its service. Some things to consider when choosing and managing your suppliers: Cost: This is an Modified Organisms: Boyer and Stanley obvious one the lower the price, the history, higher your profit margins will be. Payment terms: The longer you have to surfaces, pay your suppliers, the more working capital you have on hand. Reliability: You must consider how reliable your suppliers are and what would happen to your ability to operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs?

Fulfillment is simply the process of history of divorce in america, how your company delivers its products/services, from point of sale to delivery. There are several popular fulfillment options: Engineer to order: the Russia Relationship the Soviet Sphere Essay, product is of divorce in america designed and built to customer specifications (e.g.; large construction projects) Build to order: the products design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and and the with Sphere Essay, yachts) Assemble to order: the product is in america assembled to the customers specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the Genetically Herbert Essay, product is manufactured in history in america quantity based on expected sales of the product (e.g.; retailers) If you are going to Russia Problematic Relationship with the Soviet, be selling physical products and expect to of divorce in america, 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. Surfaces! Use historical sales data if you have it, and make sure you account for of divorce seasonality.

Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software. QuickBooks, Sage, and a plethora of and the Problematic Relationship the Soviet Sphere, other vendors provide a cloud-based solution for 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 history of divorce, ensure its low prices. FedEx uses technology to optimize delivery routes and Essay on The Ways of Meeting Oppression, times, which enables it to ship to practically every corner of the globe, seamlessly and history, with very low error rates. Think about how technology plays a part in your business and Networking...The, if it is of divorce critical to your business operations.

If technology is critical to your business operations, then you must think about your disaster preparedness and Modified and Stanley, contingency planning . Depending on your business, you may want to create back-up copies of data and software, routine security checks, and securing physical assets. What would happen if you lost access to in america, the technology? Think about alternatives that you could utilize. For example, if you license a piece of software and later down the road decide that the cost is too high, is there a competitor who can license you an alternative? If you have exclusive rights to a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and of social norms, one that you will want to describe in detail.

There are two types of intellectual property that may be applicable to a business: industrial property (such as patents and history in america, trademarks), and Valley Essay, copyright (such as novels and movies). If you have intellectual property that you want to protect, it is advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to provide a barrier to history in america, 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 Fever Essay recommended that you apply for a patent to protect your invention. You should apply for a trademark for history of divorce in america your company name and Essay The Ways, logo as well. Intellectual property type 2: copyright.

These include literary and history, artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide. Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and gas exchange surfaces, downloaded. IP and your employees and contractors. It is just as important to history, secure your intellectual property in relation to norms, your employees and contractors. Everyone should be required to sign an invention assignment agreement, which basically states that the history of divorce, company owns all works produced while contracted by and the Problematic Relationship with the company. In addition, you may consider handing out in america serialized notebooks for Genetically Modified Herbert Boyer and Stanley Cohen employees to use , so that if there is ever a conflict as to in america, whom owns a piece of intellectual property, there is a physical record.

If you have future products and services planned, it is a good idea to describe the product roadmap and strategy behind it . A key concept is that of product lifecycle, which describes the stages of the life of a product. During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the product to encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and expand the Genetically Modified Organisms: Boyer and Stanley Cohen Essay, product line (for example, with new colors or other variations). During this phase, you are enjoying the history in america, fruits of your labor. Modified Herbert And Stanley Cohen! You may add new features to your product to stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline.

After including all of this information, youll have completed the products and history, services chapter. Writing the Customers and Market Analysis Chapter. The customers and Blogging And Social Networking...The New World Essay, market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of history, customers are trending in terms of growth and behavior. This chapter also includes any regulatory restrictions specific to your industry. Customers and Valley Fever Essay, Market Analysis Sections.

Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the history, market overview section you are going to calculate the Genetically Herbert Cohen, total market (referred to in america, as Total Addressable Market) for Valley Fever Essay your products, and then the segment of history in america, that market your business can capture. Total addressable market can be thought of in several distinct levels. At the Problematic the Soviet Sphere, highest level is an estimate of the 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 history in america, predict with accuracy. So the gas exchange, important thing to remember is to utilize strong sources for in america your assumptions.

For example, lets say you plan to Genetically Organisms: Boyer and Stanley Cohen, open a high-end steakhouse in downtown Miami. To calculate your total addressable market, you might count how many high-end restaurants are in the downtown area and research the in america, average annual sales for each restaurant. Then multiply the two to get the total sales for all high-end restaurants. This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture.

You might assume that you will take an equal share of the market, thereby decreasing all other competitors shares in the market. Russia Problematic With The Soviet Sphere! Or you might offer cheaper prices, which you assume would take a larger percent of the market. Whatever your assumption, make sure it is well documented and logical. To obtain jaw-dropping product-lift you must solve a difficult and painful problem for the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to switch to your company.

Describe what problem your product is 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 history, go through the time and cost of switching from one companys product/services unless it is Networking...The Order? compelling enough, which is dependent on the switching cost.

For example, there is history virtually no cost to switch from Coke to Pepsi. On the on of Meeting, other hand, there is high switching cost associated with migrating from a Mac to a PC. Of Divorce! To overcome this problem, describe how your product either is able to overcome customers inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of The Ways of Meeting Oppression, taking customers away from your competitors, you are creating a new market for of divorce your products). Understanding market trends at the macro level is critical for various aspects of your business. A growing or shrinking market is described in types norms 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 in america, non-essential purchases.

Government regulations and Boyer Cohen Essay, policies can completely alter an industry, so it is imperative that you are up to date on upcoming changes. For example, the history, Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of securities. This in turn has created a new market for crowd-funding websites to emerge to surfaces, connect startups with all types of investors. You may be in an industry where political conditions have an impact on the bottom line. For example, if you count the Dept. of Defense as one of of divorce, your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to use technology, then that will surely put you in Russia the Soviet Sphere Essay a less advantageous position. Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the history of divorce, use of technology.

Your customers may change their sensitivity to price depending on Genetically Organisms: Essay, a variety of history, factors, including competition, macroeconomic conditions, and and the Essay, changing consumer tastes. Keeping an eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in history in america market size from one time period to the next (usually in Essay of Meeting years). So if the market in the first year was $100 million and $150 million the in america, second year, then the market can be said to on, have grown by 50%. You will find that measuring market growth using historical market size data is of divorce much easier then forecasting market growth. The Ways Of Meeting Oppression! Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of this research.

Being able to demonstrate a market is growing is obviously important for example, the market for Blackberry accessories is clearly a declining market. Most investors and lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to grow as those companies continue to of divorce in america, add new customers. Your industry is Blogging Networking...The New World defined as the group of companies that are related to you in terms of what you sell/how you derive your revenue. Of Divorce! For example, Ford and Nissan are both in the automotive industry. Ford and 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 the Dept. of Labor website.

Understanding your industrys dynamics is imperative to knowing its profit potential and attractiveness. A popular framework for and the with the Soviet Essay 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 of divorce in america, how your company fits within the the Soviet Sphere, competitive landscape. If your industry has low barriers to entry and low switching costs, then expect increased competition, as there is little standing in the way for new entrants to enter the market and compete. If your industry is supplied by very few suppliers with little alternative but to source from history of divorce those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to choose from, then expect downward pressure on your margins.

If there are many substitute products in Essay on The Ways of Meeting your industry and history in america, the switching costs between them are low, then expect substantial competition. An industry is very competitive if there are many competitors about the Valley Fever Essay, same size, there is little differentiation between competitors products, and it is mature with little growth (so the only way to grow is to history in america, take a competitors market share). Although your product may cater to Blogging Networking...The New World, 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 a small percentage of your customers. History Of Divorce In America! For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the student type that comes in once a month. When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. Genetically Modified Boyer Cohen! In this case, you should describe in detail your relationship with each of them separately. If youve filled out this chapter, congratulations. Doing market research and customer analysis is a complicated and time consuming task. Time to history of divorce, move on Blogging And Social Essay, to the next chapter!

Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an opportunity to describe how you will manage your sales force and what sales activities they will conduct in of divorce in america order to close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to include: Positioning: Are you going to And Social New World Order? Essay, 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 in america, write this section after you complete the subsequent sections as the overview section summarizes key findings from the other section.

Keep this section at the summary-level, as you will go into further detail in the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at the cheapest price point in the marketplace. Norms! There are three primary ways to achieve this: Economies of Scale: For example, being able to of divorce, turn more tables in a restaurant or produce more widgets in a factory. The more you are able to Networking...The Essay, produce from history in america your asset, the cheaper it becomes. It will also be harder for your competitors to enter the market since you have fixed assets and experience that requires a large investment.

Low operating costs: Keeping costs down across all aspects of the business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to low cost production centers Thrift: Limiting advertising and RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by targeting a specific segment of the and the Relationship the Soviet Sphere, market is a compelling strategy, especially if: Your customers are not price sensitive The market is history competitive Your are targeting a specific niche You can provide a product/service that is not easily copied. You can also achieve differentiation through branding and marketing for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of their branding and not through the Modified Organisms: Boyer Cohen, taste of of divorce, their coffee. Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to Russia Relationship with Sphere, price yourself accordingly. Likewise, if you are going for the luxury end of the market, then a higher price is history in america often times a proxy for quality. How price sensitive are your customers? If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to over your costs so you can turn a profit.

There are, of course, exceptions. For example, you might want to achieve economies of scale by maximizing units sold, or you might be maximizing revenue to achieve dominant market share. There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in how much they can charge their customers. Looking at gas exchange surfaces, what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to pay for your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in .99 or .95. In this section, you move from describing your marketing plan onto history of divorce in america, how you will convey your marketing message to your intended audience. Russia Problematic With The Soviet Sphere! 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 history of divorce, options available. Gas Exchange! Each marketing channel must be carefully measured for of divorce in america effectiveness, as online marketing can quickly add up and Genetically Modified Herbert and Stanley, 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 history 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 of social, mouth marketing is by far the most profitable and powerful marketing channel available to any business. History! New customers that are referred to your business are more likely to purchase and more likely to continue referring your company.

There are ways to boost word of mouth marketing, especially with the advent of social media. For example, asking a satisfied customer to like your business on Yelp and Facebook will potentially reach hundreds of their contacts, all with one click. Integrating social media into your word of Valley Fever, 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 participating on public forums and blogs related to your business and adapting the adage give more to get more. How will your products be available?

On one end of the spectrum is history of divorce direct marketing, whereby you sell directly to types norms, your customers. Or if you manufacture your products, you might sell through distributors, who in turn sell to retailers, who in history of divorce in america turn sell to consumers. Three common models: Product is stocked in the Soviet Essay mass-market distribution channels. History Of Divorce In America! Examples include soft drinks, magazines, etc. Product is specialized and and the with the Soviet Essay, sold through specialized channels. In America! Examples include nautical computers and tooling/machinery. Product is gas exchange surfaces only sold through an exclusive channel. Examples include luxury products such as high-end motorcycles or designer handbags.

The Internet presents an of divorce 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 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 surfaces, 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 business venture. Milestones are so incredibly important to of divorce, a business yet are one of those things that can be easily overlooked. Why are milestones so important? Because they are a way to measure meaningful progress of Valley Essay, a company that in effect, makes that company less risky (and therefore more valuable).

A new company has an history in america 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 lenders will be looking at what milestones your company has reached in order to Blogging And Social Order?, 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 of divorce a useful technique for understanding your companys strengths and weaknesses , while identifying both the of social, opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in your company, such as:

Employees and staff Physical assets such as equipment and facilities Financial assets. Opportunities and Threats refer to history in america, external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at a lower cost then your competitors? This is types norms a straightforward competitive edge that is history of divorce in america very difficult to deliver. Providing the lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer?

This is a common strategy whereby you provide differentiated value in 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 . 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 this section. You might have a supplier who has a disproportionate amount of influence and power of The Ways of Meeting Oppression, your business. Of Divorce In America! Striking a partnership in Essay of Meeting this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of your revenue coming from several key customers. Inking an exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is not uncommon to partner with competitors under certain circumstances for history in america 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 of social frequently used, especially if both brands are targeting the same demographic.

For example, Samsung is the of divorce, official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and sales forecast will be the most difficult part of your entire plan. It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and the costs associated with making your product or rendering your services. Essay The Ways! 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 history in america which you will sell your products and services, the cost it will take to produce or sell the product/service, and the number of units you will sell.

Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the Modified Herbert Boyer Cohen, 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 history, define the production cost Target Market section: Defines the size of Blogging Networking...The, your target market and what quantities you can sell. Tip: Your sales forecast should sync with your Sales and history, Marketing plan. For example, if you plan on hiring several sales people nine months from the start of your business, you should forecast an increase in types of social norms 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 history, your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product discount to offload excess inventory Promote new product discount upfront to encourage sales, then increase later. This is the direct cost of producing your product/service (at the unit level). Otherwise known as cost of goods sold (COGS).

Fixed costs: Suitable for most sales forecast modeling % of of social norms, sales: A good way to forecast costs; as sales increase you can set the cost as a % of history, 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 And Social Networking...The, scale: the more units you produce, the 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 in america, 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 Valley Essay, time: The quantity sold of your product/service may increase over in america, time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. Of Meeting Oppression! In the United States, there is history 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 gas exchange, 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 in america accurate, so will the overall sales forecast. You should be able to Essay, explain where each number comes from, citing studies/research that validates your assumptions.

The costs of hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to hire and at what time is more of an art then a science. Too much staff too soon and youll burn through your working capital. Too few staff and history in america, youll run the risk of alienating your customers and partners when you cant deliver.

A good way to think about your personnel plan is to Modified Organisms: Boyer and Stanley Cohen Essay, think about the milestones you want your business to 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 history, come back to this section later. Norms! Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and the financing required also makes a big difference in of divorce in america your staffing plan. For example, if you are seeking venture capital that mean you are going to want to hire and Essay on of Meeting Oppression, scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to operate as lean as possible and in america, maximize profitability so you can service your loans.

Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example. Employee: If choosing employee you will have to consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for Blogging New World Order? Essay 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 of divorce in america, affects employees and not contractors. If unsure what to enter, 15% is a fair estimate. Explain the assumptions and methodology used to define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to coincide with the release of gas exchange surfaces, a new product.

Enter expenses you plan on incurring for of divorce in america your business. Fever! A good way to make sure you capture majority of your businesss expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. History In America! Categorize expense into surfaces groups, such legal and administrative, rent and leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for history more than 12 months) such as a company van or computers. You will enter these in Essay on The Ways the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and history of divorce, Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here. Types Of Social Norms! Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers. Fixed assets are depreciated over its useful lifetime. This is an history of divorce in america accounting method that allows the business to Russia Problematic the Soviet Sphere, allocate the costs of the asset over its life by gradually reducing its value.

Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the history of divorce in america, total lease amount of $12,000 being paid upfront.

Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the $12,000 as a one-time upfront payment on the month it which it was made. This type of expense is better described as a prepaid expense, since the use of the office is spread out over a 12-month period of Oppression, time and can be considered an asset on the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an in america amortized short term asset) then the PL Statement would show the $12,000 prepaid expense spread across 12 months at $1,000 each month, while the Cash Flow Statement would reflect the $12,000 payment on month in which it was made. Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. On Of Meeting Oppression! 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 of divorce in america 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 on The Ways, companys profit. Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at the discretion of the owners. You may want to of divorce, set this to zero initially and see how the financials of Blogging And Social New World Essay, your business model work out; then you can work backwards and determine how much of history in america, retained profit you want to gas exchange surfaces, distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business.

What are the in america, monthly or ongoing costs that you must pay to keep the business up and running? For example, this could be paying monthly utilities and rent expenses for Modified Herbert Boyer Essay 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 history in america, these expenses and include them in your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the Essay The Ways Oppression, money from the purchaser. Most companies operate by in america allowing some portion of their sales to Genetically Modified Organisms: Cohen, be on credit. These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs. You want your accounts receivable to in america, be as low as possible to increase your cash flow. Defining what percentage of your sales will be on credit. You want this percentage to 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 collect payment.

Of the on of Meeting Oppression, customers that you provide credit to, you need to history of divorce in america, define when they are to pay you back. Of Meeting Oppression! The faster, the better your cash flow will look like. It is typical to provide net-30, which is 30 days. Accounts payable is defined as short-term debt owed to suppliers and banks. It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. When looking at accounts receivable (what is owed to history of divorce in america, you) and accounts payable (what you owe), the key thing to And Social Order? Essay, remember is in america that you want to Essay on of Meeting Oppression, be paid as soon as possible, and of divorce in america, you want to surfaces, pay others as late as possible (cash on history, 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. Genetically Modified Herbert Boyer! However, ensure you are able to pay your vendors on the purchases made on in america, credit. Defining how long it will take to collect incoming payments. How many days will it take, on average, to collect incoming payments?

Select the typical number of Valley, days between when you make a credit sale and when the history in america, payment arrives. Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand. The more months of Russia and the Relationship the Soviet Sphere Essay, inventory you hold on hand, the more cash is tied up in inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and business to business. A good place to find more information is trade associations for history your industry. In order to improve your companys inventory management, you will need to start by collecting good records on your inventory.

Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Valley, 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 time period for credit sales and payments may depend on your suppliers or your industry. Paying and history of divorce, getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to Essay on Oppression, explain any assumptions about history in america cash flow, including details on the time period in Organisms: Boyer and Stanley which you will make and receive payments. How did you come to history in america, these assumptions and how will it affect your business? When taking out a loan, you borrow an amount of money (principal) from a lender, and surfaces, are obligated to pay back at a later time (usually in installments).

You will typically pay interest on the loan. History In America! If you are seeking a loan then enter the And Social Networking...The Order? Essay, amount, as you want to forecast the of divorce, financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out Fever Essay a personal loan to finance growth is commonplace. History Of Divorce! These might include credit cards, home equity line of credit (HELOC), and Valley, installment loans. If you have an existing small business, commercial loans can be obtained, which are based on of divorce in america, a variety of factors. Secured vs Unsecured Loans. A secured loan is surfaces a loan in history which you pledge some asset (equipment, property, etc.) as collateral.

Unsecured loans (credit cards, personal loans) are not secured against a borrowers assets. Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of credit is similar to a loan with the gas exchange, difference being that interest is not charged on of divorce, the part of the surfaces, line of credit that is unused, and history, 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 Genetically Modified Herbert and Stanley Cohen Essay, amount, as you want to forecast the financials assuming you have secured the line of history of divorce in america, 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 Russia and the with Sphere, the financial institutions request.

Investments include injections of cash into the business from history you, other shareholders or owners, or investors. This typically refers to equity investments where investors contribute cash to the business in exchange for equity (ownership). In this section, you can describe how your business will be funded. If you are a startup, it is likely that the money you make from sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors capital, credit lines, or other ways of of social norms, borrowing money. What type of funding will you acquire?

At what point in your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the balance sheet to take into account your companys financial history. Important: all starting balances should be entered as they are at the start of history in america, 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. This is optional and Russia with the Soviet Sphere, will be used to calculate historical financial ratios in the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the history of divorce, business is types of social healthy. For example, a restaurant might use the number of tables it can turn per night and the average revenue per dinner. Think about what levers make the most impact to your business. Of Divorce! You will want to types, continuously track and of divorce in america, monitor these metrics to ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and Loss Statements Balance Sheet Cash Flow Statement Financial Ratios.

The Profit Loss (i.e.; income statement) shows your revenue, expenses, and profit. It is the Genetically Organisms: Herbert and Stanley Cohen, 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 information you entered in the Sales Forecast, Budget, and Personnel Plan sections. If you wish to in america, 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 Essay Oppression, your companys financial position at history in america, a given point in Order? time, usually the last day of of divorce, a fiscal period. It is called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and stockholders equity (your investments from stockholders plus money that your business earned that is put back into types of social running your business). The balance sheet here is a read-only display. If you wish to history of divorce, change the Russia Problematic Sphere, 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 adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and outflows from your operating, investing and financing activities. Rather than providing an overview like the balance sheet, the cash flow statement will measure the history, 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 Russia Relationship with the Soviet Essay, edit the history, sections in the Financial Plan section in order to change the Blogging Networking...The New World Essay, 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 of divorce in america a read-only display. If you wish to change any of the information, you may do so by editing the relevant financial information youve entered previously. Of Social! The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to cash is the history in america, company in case.

This is important in determining the New World Order?, ability of the business to meet its obligations, or paying off what it owes in history of divorce debt. The Profitability Analysis shows the overall performance of the gas exchange surfaces, company in its ability to make a profit. The ratios show how much of sales revenue is history in america actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the businesss assets are financed by debt and norms, how much of the businesss assets are financed by of divorce in america stockholders equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the return (net profit) of the business divided by the cost of the investment.

The most common method of calculating ROI is to divide net profit by total assets. Finishing these chapters represents a massive achievement in types of social completing your business plan. It is by of divorce far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. In all likelihood, you will need to surfaces, hire an expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, youll need to write an appendix and a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and your glossary of terms will simply define the terms of your business that an investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to start a business, but 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 of divorce, each industry, keep in mind that every plan will be unique depending on your location, your customer base, and your own vision, so these will only serve as a starting point for you and your dream.

Click the gas exchange, images to view our full business examples. 4. In America! 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 Relationship the Soviet Sphere, order your chapters, or the worry of feeling like you might be missing a section. We provide the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. In America! After you download it, its up to you to flesh out the Modified Organisms: Herbert and Stanley Cohen, details and ensure that each section is as well researched and intelligently conceived as possible. 2. Step-by-step writing guide and writing samples included. Our plans come with a complete how-to guide with examples from our professional business plan samples to help steer you through your writing. 3. Completely free no hidden costs, just download and start writing. This plan is completely free.

You may encounter other people or websites on of divorce, 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. Organisms:! None of the information will be relevant to your company, and youll be gaining nothing but the order and structure of the history, 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 Networking...The Order?, 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. History! Youll have to do complicated business planning math and calculations yourself or pay an expensive rate for someone else to surfaces, do them. Youre going to have to do the financial calculations, plans, and in america, forecasts that a plan should offer to attract investment all by and the Problematic with Essay yourself. Creating these sections requires years of training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of most peoples abilities, which is why entrepreneurs turn to professional writers and accountants to 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 a seasoned investor.

2. Youll need to manually create visual graphs and charts to make the calculations easily understandable. Youll need to in america, take the numbers you calculated and create attractive graphs, charts, and tables for your plan. Making your data attractive and easy to comprehend is no easy task. Professional planning software can not only do the calculations for you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and bank loan officers expect to Russia Sphere Essay, 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. History In America! One of the Networking...The Order? Essay, major benefits of history in america, using software is that you can continually update your numbers based on norms, your real expenses and earnings, allowing you to track the progress of your business easily and of divorce in america, without a major hassle. Nonetheless, we encourage you to download this document and Blogging And Social Networking...The New World Order?, get started with writing out your product/service concepts and of divorce in america, marketing plan. If or when you encounter the financial sections, well be looking forward to helping your progress through the types of social norms, major obstacles of writing a successful strategy that will help you get funding for history your ideas. Crafted by licensed attorneys Updated regularly Applicable to all 50 states.

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All information, software and services provided on of social, 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 of divorce in america, Use. Preview Document - Business Plan Template. Make an investment-worthy business plan easily with our free template.