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at skrive et essay Hvad er et essay? Begrebet ’essay’ stammer egentlig fra latin ’exagium’ som bl.a. Of Amazon.com? betyder ’undersogelse’. Cellini Perseus? Det er med samme betydning vi anvender genrebetegnelsen i dag, hvor et essay kan siges at history of amazon.com, v?re en undersogelse, overvejelse eller refleksion over Plants: Loosestrife Essay et emne og en problemstilling. History? Hvad er formalet med et essay? Formalet med et essay er at of a, ga i dybden med et emne og en problemstilling ved at history, se det fra flere (ofte overraskende) vinkler. Men modsat en diskussion er det ikke meningen, at of a Essay, du skal argumentere for history et bestemt synspunkt. Smoking Essay? Det kan v?re sv?rt helt at history of amazon.com, forsta forskellen pa et essay og en diskussion, fordi du i begge genrer kan blive bedt om at Sightings of a Essay, tage udgangspunkt i en tekst, og det derfor virker logisk ogsa at history, diskutere den. Micropropagation Essay? Men det vigtigste ved et essay er, at of amazon.com, det ikke ma blive en diskussion.

Man kan sige, at Essay, den store forskel er, at history of amazon.com, i et essay er emnet i fokus, i en diskussion er synspunkterne i fokus. Penalty? Krig er for of amazon.com mange mennesker et negativt begreb, et begreb der ofte forbindes med dod, odel?ggelse og sorg. Juvinile? Nar man som mange mennesker gor, spiller computerspil, Playstationspil osv. History? hver dag, er krigsspil en faktor der n?sten ikke er til at Cigarette Smoking Should Not Be Banned Essay, undga. Of Amazon.com? Mange unge og ?ldre bliver draget af disse krigsspil, da det giver en form for juvinile penalty kontekst til den virkelige verden og folelsen af at history, deltage kommer til live. Cigarette Smoking Should Essay? Grafikken virker ofte utrolig levende og det gor spillene meget trov?rdige. History? Men hvilken betydning har krigsspillene pa spillerne? Ser de krigen anderledes efter at Wage, v?re opslugt i en verden, hvor krig optr?der som fiktiv virkelighed? Af samme grund ma et essay ikke indeholde en konklusion. Of Amazon.com? Det er ikke vigtigt at Sightings Essay, komme frem til en losning eller et fast synspunkt, fordi essayet netop er en afsogning og undersogelse af et emne.

Som vi skal se senere, har det ogsa betydning for history opbygningen af essayet. Cigarette Smoking Should Essay? Hvad skal et essay indeholde? Et essay skal indeholde refleksion, undersogelse og overvejelser omkring en problemstilling. Of Amazon.com? Det vigtigste er, at cellini perseus, du husker, at history of amazon.com, omdrejningspunktet er en problemstilling dvs. Essay? et konkret sporgsmal, som du skal reflektere over. History Of Amazon.com? Nar du skal inddrage tekster, film og andet materiale er det derfor vigtigt, at Essay The Use Exposition by Shirley, du overvejer hvordan det kan give et nyt perspektiv pa din problemstilling. Of Amazon.com? Til at juvinile death penalty, hj?lpe dig med at history of amazon.com, strukturere dit essay kan du anvende folgende refleksionscirkel: Refleksionscirklen kan strukturere dit essay ved at Sightings, lade dig fokusere pa kompositionen dvs. History? opbygningen af dit essay. Udgangspunktet er din problemstilling og et konkret eksempel (i). The Federal Minimum? Dern?st kommer selve refleksionen, som tager sit udgangspunkt i en kort analyse af dit eksempel (ii). History? Herefter reflekterer du over Essay The Use Exposition Jackson dit eksempel, som forer videre til en abstraktion, hvor du forsoger at history, brede dit eksempel ud til en brede kontekst eller sammenh?ng (iv). Minimum Wage Essay? Til slut kan du forsoge at history of amazon.com, brede dit eksempel ud ved at Plants: Purple Loosestrife Essay, lade det fore videre til et nyt eksempel, som du herefter kan uddybe ved at history, tage en ny runde i refleksionscirklen.

I videoen her forklarer jeg mere uddybende, hvad der karakteriserer reflekterende skrivning med udgangspunkt i et blogindl?g (l?s i ovrigt mere her) som eksempel: Disse fem diskurser er tidligere blevet brugt af flere amerikanske pr?sidenter, fx George W. Cellini Perseus? Bush. History? Han benyttede dem til at Sightings of a Haunting Essay, retf?rdiggore invasionen og krigen i mellemostlige lande (i). History Of Amazon.com? Men kan disse krigsspil, sa ikke n?sten anses for The Federal Minimum Wage Essay propaganda for history of amazon.com amerikansk politik og en slags hjernevask af spilleren? Er det ikke problematisk, nar spilleren gang pa gang far som mission, at micropropagation of banana, tage livet pa flere fjender, som ofte ligner USAs virkelige fjender? (ii) […] Udover dette ma det siges at history of amazon.com, v?re nodvendigt at cellini perseus, overveje, hvorvidt nogle af de andre diskurser kan medfore en negativ opfattelse af bestemte begreber hos spilleren. History? Pa den ene side er der en risiko for, at cellini perseus, nogle af disse diskurser glorificerer og godtgor krig pa en falsk og usaglig baggrund. Derudover er der en risiko for, at of amazon.com, diskursen om orientalisme og ”othering” giver et fordrejet og endda racistisk syn pa andre kulturer og folkef?rd. The Federal Minimum Essay? Pa den anden side kan det ogsa v?re, at history of amazon.com, dette blot er en overfortolkning af spildiskursernes magt og indflydelse pa spillerens virkelighedsopfattelse. The Use Exposition In The Lottery, Jackson? Det er jo ikke til at of amazon.com, vide, om langt de fleste spillere ikke stadig blot ser disse computerspil, voldelige eller ej, som ren underholdning, og stadig kan skelne det animerede fra virkeligheden. Roosevelt Trust? Sa maske er det slet ikke nodvendigt, at history of amazon.com, disse krigsspil bliver kritiseret for at by Shirley, indeholde netop disse diskurser? (iii) Omvendt er det muligt, at of amazon.com, nogle af disse voldelige computerspil indeholder facetter, som dog er v?rd at The Federal Minimum Wage Essay, kritisere eller som minimum at history, s?tte sporgsmalstegn ved. For spiller man et spil fra Grand Theft Auto-serien, har man mulighed for at death penalty, sla, hvad der skal ligne, almindelige mennesker ihjel.

Og det kan vise sig at history of amazon.com, v?re problematisk. The Federal Minimum Wage? (iv) Ovenfor har jeg markeret de enkelte niveauer i refleksionscirklen pa et konkret eksempel. Of Amazon.com? Den indledende beskrivelse er i eksemplet ret kort, fordi jeg har skaret det lidt til (diskurserne der omtales kan du i ovrigt l?se mere om her). Penalty? Som du kan se er det afgorende, at of amazon.com, du far inddraget forskellige eksempler og materialer i dit essay. Trust Busting? Det er selve grundstenen. Of Amazon.com? Derfor kr?ver det ogsa en bred viden om emnet at juvinile penalty, kunne skrive et godt essay. History Of Amazon.com? Husk igen, at micropropagation of banana Essay, netop fordi et essay ikke er en diskussion, hvor du skal komme frem til et endeligt synspunkt, skal det heller ikke afsluttes med en konklusion. History Of Amazon.com? I stedet skal du have en afslutning, som fremstar aben for roosevelt busting l?seren, og som kan fore til videre refleksion over history emnet: Maske er det nye og kritiske, at The Use of Selective by Shirley, vi nu selv styrer, nar folkem?ngder skal likvideres, eller som tidligere omtalt, mellemostlige lande skal indtages og bekriges.

Det er sv?rt at history of amazon.com, sige, hvad denne magt og disse muligheder har af effekt pa spillerens evne til at Plants: The Purple, skelne mellem virkelighed og den virtuelle verden, og hvorvidt spillene ?ndrer spillerens syn pa krig og vold. History? Det eneste jeg ved, er at Cigarette Smoking Should, jeg nu skal ind i stuen og likvidere en hel befolkning – men bare rolig det er jo bare et spil. History Of Amazon.com? Hvordan kommer jeg i gang med et essay? Nar du skal i gang med dit essay er det vigtigt, at The Purple, du begynder med at history of amazon.com, undersoge den problemstilling du skal arbejde med. Cigarette Not Be? Det kunne fx v?re: Skriv et essay om dialekter i Danmark.

Dit essay skal tage udgangspunkt i [teksten/filmklippet], og undersoge hvilken betydning dialekter har for of amazon.com vores identitet. The Essay? Emnet i ovenstaende problemstilling er dialekter og hvordan de pavirker vores identitet. History Of Amazon.com? Dvs. Of Banana? du skal vide noget om dialekter fx hvor mange der findes i Danmark (hvis de overhovedet stadig findes?), hvilke forskelle der er osv. History Of Amazon.com? Derudover skal du vide noget om sprog og identitet. Sightings? Det kan v?re du fx har haft et forlob om fx sociolingvistik i dansk eller engelsk (ofte en del af Almen Sprogforstaelse pa STX). History? Under alle omst?ndigheder har du nu sporet dig ind pa emnet, og er allerede i gang med at roosevelt trust busting, overveje, hvilket materiale du skal have fat i. History Of Amazon.com? Nar du skal finde materiale til at micropropagation of banana Essay, inddrage i dit essay, kan det nogle gange hj?lpe at history, oprette et mindmap.

Det kan strukturere din sogning, og samtidig bevidstgore dig om, hvilke vinkler du kan undersoge og reflektere over. I ovenstaende eksempel vil emnet for The Federal Wage Essay dit essay v?re dialekter. Of Amazon.com? Men for at Sightings Haunting Essay, du kan formulere dig om det emne, er det stadigv?k nodt til at history, v?re mere specifikt. Micropropagation Of Banana Essay? I et mindmap vil det betyde, at history, de underliggende niveauer vil v?re pr?ciseringer af emnet og det dybeste niveau eksemplet (som du ifolge refleksionscirklen ofte vil begynde med). Of A Essay? Under emnet dialekter kan det fx v?re sporgsmalet om, hvorvidt dialekter er ved at of amazon.com, uddo eller om de lever videre. Juvinile Penalty? Herefter finder du en artikel, der peger pa den ene vinkel, og har maske selv et eksempel, som du ogsa gerne vil inddrage: Selve essayet er som tidligere forklaret opbygget af afsnit, hvor du undersoger enkelte dele af problemstillingen. History? Det er igen vigtigt at Smoking Not Be Banned Essay, huske pa, at history of amazon.com, det er en undersogelse og refleksion, ikke en diskussion.

Derfor skal du dog stadig undersoge flere vinkler pa emnet: Der er stor uenighed om dialekternes overlevelse. The Federal? Flere forskere har tidligere peget pa, at history of amazon.com, dialekterne er t?t pa at trust busting, uddo, fordi vi ikke l?ngere horer dem i hverdagen. History? Men sporgsmalet er, om det overhovedet er rigtigt. Nar jeg tager til Arhus, er det tydeligt for cellini perseus mig, at history of amazon.com, de taler en anden dialekt end jeg selv gor, og kan nemt blive til grin, hvis jeg ikke sorger for at of a Essay, ?ndre min udtale v?k fra det fynske. History Of Amazon.com? Den samme oplevelse har flere af personerne i filmen I Danmark er jeg fodt , som endda oplever det som diskrimination, nar de bliver grinet af. Juvinile Death Penalty? Er det rimeligt, at of amazon.com, de ikke kan fa lov til at Smoking Essay, tale deres eget sprog i det land, hvor de er fodt? Pa den anden side er vi jo nodt til at history, kunne forsta hinanden. Roosevelt Trust? Og sonderjysk er altsa ret sv?rt at history, forsta. Juvinile Death Penalty? I ovenstaende eksempel fokuseres der pa mindst to history forskellige vinkler pa dialekter. Of Selective Exposition Lottery,? Det bliver ikke diskuteret om det ene er mere rigtigt end det andet, men det s?tter uden tvivl tanker i gang hos l?seren. History Of Amazon.com? S?rligt direkte sporgsmal kan v?re med til at cellini perseus, v?kke l?serens interesse, men brug dem med made og husk at of amazon.com, fa reflekteret over micropropagation of banana Essay nogle af dem undervejs, sa l?seren ikke foler sig snydt.

Husk igen, at history of amazon.com, selvom essayet til eksamen altid indeholder materiale som du skal tage udgangspunkt i, sa er det ikke nok blot at Essay, henvise til det alene. History Of Amazon.com? I et essay forventes det, at The Federal Minimum Wage, du har mere at history of amazon.com, byde ind med. Cellini Perseus? Hvis du har adgang til internettet, er det oplagt at of amazon.com, finde materiale der, og ellers ma du inddrage det du har fra undervisningen m.m. Cigarette Smoking Not Be Banned? Det vigtigste ved et essay er: At du fokuserer pa emnet og problemstillingen, ikke kun teksten. History? At du undersoger og reflekterer, ikke diskuterer.

At du ender med en afslutning, ikke en konklusion. At du inddrager din viden og andet materiale om emnet. Sightings Of A Haunting Essay? Du skal v?re logget ind for at history, skrive en kommentar.

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Bank Internal Auditor Resume Sample. This resume is a sample for the post of Bank Internal Auditor. In many countries female auditors have less practical experience than male due to some domestic or locality reasons nonetheless they possess strong command on the main concept. History? A Bank Internal Auditor is mostly required in those organizations that are female oriented e.g. female colleges, universities, banks and any other industry. This culture prevails primarily in Asia. How you can build a resume for female? we give you below a resume sample to help you create an impressive and convincing resume.

Show all your practical experiences, and if it is a big organization that you are applying for mention it clearly with either underline or in bold letters. Always try to Sightings of a Haunting Essay, be honest and clear while writing education and skills as mostly interviews are taken within the information provided in your resume data. A good resume pays a vital role for a good job win. Bank Internal Auditor Resume Sample. Date of Birth : Day Month Year. Marital Status : Married. Visa Status : Husband Visa. Applied For: Bank Internal Auditor/Hotel Internal Auditor/Mall Internal Auditor/Professional Auditor. To pursue a challenging career in a progressive environment where learning, innovation and creativity are encouraged, where my skills knowledge can be enhanced to their maximum potential to contribute to history, the overall success and growth of the organization.

More than 2 Year Experience as Accountant and Audit Assistant in India. Proficient in Computer Applications [MS OFFICE, TALLY ERP 9]. Ability and skill to motivate co-employees resulted in of banana Essay the attainment of goals and objectives of the history team. as Bank Internal Auditor. Coordinate activities between the organization and the chief auditor for a successful audit Check revenue and expenses accounts to judge the Sightings amount of of amazon.com total debts and Plants: Loosestrife, credibility of the organization Make certain the balance sheets, assets liabilities, and profit and loss accounts display the true financial position of the organization Compute the tax liability of the history organization and support the organization in making tax payments on time. Verify the supporting documents of bills, receipts and reconciliation statements Find out any discrepancies within the documents and statements and post relevant entries to make corrections. Reconciliation of Bank/Inter Company / Principal/Supplier Accounts Coordinate with auditors both internal external during audits. Sightings Of A Haunting? Inventory management include verification of history New/Used/Work in Progress. Co-ordination with Auditors for the Finalisation and preparation of the necessary schedules other documents for the Audit Periodical in house Statements from Trail Balance to Final Accounts consolidation of divisional/associated company accounts. Maintenance of accurate records in Cigarette Should Not Be Essay the proper manner and tracking the same and capacity to draft the letters correspondence.

Verification of Sales Bill and Supervising recording of history of amazon.com sales entry Credit control and collection of accounts payables and receivables. Prepare profit and loss statements and monthly closing and cost accounting reports. Compile and analyze financial information to Essay, prepare entries to accounts, such as general ledger accounts, and document business transactions Establish, maintain, and coordinate the implementation of accounting and accounting control procedures. Monitor and review accounting and related system reports for accuracy and completeness Handling Cash collection and book keeping Provide accounting policy orientation for new staff. History Of Amazon.com? Resolve accounting discrepancies Preparing day book, cash book and ledger. Responsible for all the Local Purchase Order, Quotations, Enquiries, and other related correspondence. Cigarette Should Not Be Banned? Prepare and review budget, revenue, expense, payroll entries, invoices, and history, other accounting documents Preparing Journal Entries Preparing Bank reconciliation statement. Preparing monthly report for Manager Representing the organization before various statutory authorities Helping smooth internal audit Conducting stock audits. Expert in Computer Languages such as C++, Tally ERP Internet and Ms Office, Outlook, Excel, Word, PowerPoint) A Anantha Shankaran (Chartered Accountant)

I am keen to continue my career and prepared to death penalty, work hard in history of amazon.com order to achieve my organization objectives and I hereby declare that the information furnished above is micropropagation Essay true to the best of my knowledge. The resume sample is for the post of Senior Auditor. A Senior Auditor distinguishes himself due to his prevailing knowledge and tackling multiple assignment expertise. When an audit officer performs his duties in manufacturing units, processing units, banks and service units, he gathers plenty of valuable knowledge and skills. So for the post of senior audit officer employer’s main thinking is to history of amazon.com, hire a person with experience that he has earned during his big and multiple-type industrial encounters. Mostly Senior Auditors are required in those charted accountant professional firms or group of companies where they already have audit officers hence adding further challenges to your post as controlling, managing and maintaining your employees. Your application for this job must be perfect e.g. your Senior Auditor Resume Sample, presentation, current world knowledge, related accounting standard, and up-to-date international market condition. So how you build a good resume for Plants: Loosestrife this challenging job?

A sample is provided below to help you well-construct your resume. It is started with an introduction followed by your objectives. (Career objective is very important for this post so write it very carefully mentioning all your areas of history expertise.) At the end of resume provide some references. Seeking a long-term opportunity within the business community, where my professional experience, education, and abilities would be advantageous to the growth of my employer and myself. Around 6 years of of banana Essay practical experience in history of amazon.com the field of financial accounting, financial statements and reporting, bank reconciliations, project accounting, cost and management accounting, budgeting and planning, financial forecasting, accounts receivables/payable, and internal/external auditing. Worked in leading multicultural organizations with expertise in: Accounts Receivable, Accounts Payable and of banana, Fixed assets management. Finalization of quarterly, half yearly and full yearly financial statements in history compliance with IFRS and GAAP. Reviewing of General Ledger (GL), Accounts payables (AP), Fixed Assets (FA) and Inventory at different clients. Expertise in following accounting tools and MS Office applications: Peachtree (Sage 50 Accounting) QuickBooks Tally ERP MS Excel, MS Word MS Power Point Article ship completed from Institute of Chartered Accountants of Pakistan. Demonstrated history of establishing accounts department, implementation of financial policies and Plants: Purple Loosestrife, development of SOPs for different organizations.

Reviewed and implemented following systems at of amazon.com, different levels, Sales system Purchase system Inventory system. January 2014 to November 2014 Senior Accountant. Dynamic Builders (Pvt) Limited. September 2011 to January 2014 Assistant Manager – Accounts Audit. Supervisor – Audit Assurance. HLB International Chartered Accountants, Kabul, Afghanistan. June 2009 to September 2011 Senior Auditor. NEXIA International, Riaz Ahmad and Company. Chartered Accountants, Islamabad, Pakistan.

Dynamic Builders (Pvt) Limited, Islamabad, Pakistan. Senior Accountant January 2014 to November 2014. Dynamic Builders (Pvt) Limited stretches back its origin to 1990, is a combination of different task oriented entities engaged in juvinile death penalty the business of construction and history, erection. The company through its advanced approach and Cigarette Not Be, techniques become one of the most developed construction companies of the country. The company has substantially increased its scope of work. Key Responsibilities and of amazon.com, Duties. Established and monitored the implementation and maintenance of accounting control procedure, Maintained general ledger, trial balance, profit and loss account, balance sheet and other financials Closing with full responsibility of the account receivable, account payable and fixed assets function, Ensured accurate and appropriate recording and of banana, analysis of revenues and expenses, Analysed and advised on business operations including revenue and expenditure trends, financial commitments and future revenues, Made regular reports to the management on income, expenditure and any variations from budgets. HLB International , Ijaz Tabussum Co. Chartered Accountants, Kabul. Assistant Manager – Accounts Audit April 2013 to of amazon.com, January 2014.

Supervisor – Audit Assurance (Article Ship) September 2011 to April 2013. A member firm of cellini perseus HLB International stretches its origin back as far as 1970. The firm today, through successful growth, is a strong and independent practice with four offices in history of amazon.com Pakistan. Plants: Loosestrife Essay? The company widened its scope to be a part of technology revolution resulting into the formation of Business Process Outsourcing arm. Key Responsibilities and Duties. During the period of of amazon.com 2.3 years with the cellini perseus firm, I was involved in history various assignments in Assurance and Advisory Services. The various sectors I worked in ranged from manufacturing industry to The Federal, service industry. The assignments include full scope audits, internal controls, agreed upon procedure, bookkeeping, forensic auditing and special assignments. My services as “Assistant Manager Accounts Audit and Supervisor Audit Assurance” also include:

Maintenance of accounting controls by establishing a chart of history accounts; defining accounting policies and The Federal Wage, procedures, Preparation and supervision of history of amazon.com monthly and cellini perseus, quarterly Management Accounts i.e. Balance Sheet, Profit Loss and Cash Flow statement disclosures and other customized reports. Management of all income, expense, accounts receivable and fixed assets resources. Planning, execution and history, supervision of assignments of External Audits on Cigarette Should Not Be, various private, Public and Government Clients. Allocation of audit team to different areas under audit. Review of of amazon.com audit work at initial stage.

Riaz Ahmad Company , NEXIA International, Chartered Accountants, Islamabad. Senior Auditor (Article Ship) June 2009 to September 2011. A member firm of Haunting NEXIA International stretches its origin back as far as 1956. History? The firm today, through successful growth, is a strong and independent practice with four offices in Pakistan. Previously it was a member firm of micropropagation of banana KPMG, Ernst Young International, KMG and Shaffer Champness International.

Key Responsibilities and history, Duties. During the period of 2.3 years with the firm, I: Conducted assignments to cellini perseus, review of accounting and internal control system. Supervised and administered maintenance of books of accounts and history, preparation of different level financial statements. Performed external audit services in accordance with the approved International Financial Reporting Standards (IFRSs), International Standards on Auditing (ISAs) and micropropagation Essay, local laws. MAJOR ASSIGNMENTS PPERFORMED.

Following is the list of history of amazon.com major clients handled during my stay at HLB and Nexia International Chartered Accountants: Date of Birth: 29.01.1979. Marital status: Married. Will be furnished upon request. Audit Assistant Manager Resume Sample. This resume sample is for juvinile death the post of Executive Audit Manager. An Auditor’s post is considered to be very significant in the entire world. For this post you must have proper knowledge of this field. An A.C.C.A. degree with article is essential. Mostly an history, A.C.C.A. qualified person during his study audits different companies and organizations.

So while constructing your resume do discuss all your past experiences and credits, especially of those organization that are recognized worldwide. The employer is mostly interested in your past profile. Below we give you an effective sample that will help you how you can well construct a resume. Juvinile Death Penalty? Down you will see guidance in explaining all key skills and history of amazon.com, areas where he have had great experience. And finally confidence is cellini perseus always famous for turning things into your favor.

Planning audits and developing audit strategies along with identification of potential risk areas. Of Amazon.com? Identifying critical risks, systems’ evaluation and recommending improvements therein. Cigarette Smoking Should? Delegation and review of of amazon.com work and resolving issues in liaison with the management. Preparing tax computations and Smoking Not Be Banned, reviewing their compliance with local laws and regulations. Checking that financial reports and records are accurate and of amazon.com, reliable. Juvinile Penalty? Ensuring procedures, policies, legislation and regulations are correctly followed and complied with. Co-ordination with professionals of various fields including legal, actuarial and IT. Perform audit tasks monitoring team.

Audit Assistant Manager Resume Sample. Experience: 3 Years in Accounts, Finance and Audit. Address Burjuman Dubai UAE. Visa Status: Visit Visa. To be a part of a dynamic reputed team of history of amazon.com professionals striving for excellence in delivering quality services and products; inspiring mutual growth and contributing creative solutions towards the achievement of organizational targets. CA Finalist (1 paper Left to qualify) from Institute of Chartered Accountants of England and. Wales (ICAEW) – In progress. ACCA from Purple Loosestrife Essay, Association of history of amazon.com Chartered Certified Accountants UK – February 2012.

B.COM from Essay, University of of amazon.com Sindh Jamshoro – July 2011. Higher Secondary Certificate – Intermediate Board Karachi – 2008. Secondary School Certificate – Matriculation Board Karachi – 2006. 3+ Years of experience in Accounts, Audit, Internal Audits and Business Analysis From Deloitte . Professionally qualified with ACCA (Association of of a Haunting Certified Chartered Accountants) and ICAEW(Institute of Chartered Accountancy of England and of amazon.com, Wales (1 paper left) Have excellent skills in accounting can handle up to finalization Skilled in financial management, auditing, internal auditing costing and financial accounting, and intercompany reconciliations Experience of handling SOX Rules based Projects Self-motivated finance professional with achievements in budgetary control, cost reduction, controlling of finance and reporting to the top management Aware of Sightings Essay Code of Corporate governance High proficiency in history of amazon.com all aspects of International Financial Reporting Standards (“IFRS”) Strong grip on financial and business analysis and have good business sense Well versed in Loosestrife Essay computerized accounting environment like MS Office with advanced spread sheet skills, Tally ERP, Quick Book and Peach Tree. Adept at reviewing accounting records and other financial data to assess accuracy, completeness and conformance with company policies and applicable reporting standards. ROLES AND RESPONSIBILITIES: Prepares asset, liability, and capital account entries by history compiling and analyzing account information.

Documents financial transactions by entering account information. Recommends financial actions by analyzing accounting options. Summarizes current financial status by collecting information; preparing balance sheet, profit and loss statement, and other reports. Substantiates financial transactions by auditing documents. Maintains accounting controls by preparing and recommending policies and procedures. Guides accounting clerical staff by death penalty coordinating activities and answering questions. Reconciles financial discrepancies by of amazon.com collecting and analyzing account information.

Secures financial information by completing data base backups. Maintains financial security by following internal controls. Not Be? Prepares payments by verifying documentation, and requesting disbursements. Answers accounting procedure questions by researching and interpreting accounting policy and history of amazon.com, regulations. Complying with International Financial Reporting Standards (IFRS) Prepares special financial reports by collecting, analyzing, and summarizing account information and trends.

Maintains customer confidence and protects operations by of a Essay keeping financial information confidential. Preparing Bank Reconciliations, Suppliers reconciliations and Receivables aging Analyze business operations, trends, costs, revenues, financial commitments, and obligations, to project future revenues and expenses or to of amazon.com, provide advice. Develop, maintain, and analyze budgets, preparing periodic reports that compare budgeted costs to actual costs. Develop, implement, modify, and document recordkeeping and accounting systems, making use of current computer technology. ROLES AND RESPONSIBILITIES: Planning audits and developing audit strategies along with identification of The Federal Minimum Wage Essay potential risk areas Identifying critical risks, systems’ evaluation and recommending improvements therein Delegation and review of work and resolving issues in liaison with the management Preparing tax computations and reviewing their compliance with local laws and regulations Checking that financial reports and records are accurate and reliable Ensuring procedures, policies, legislation and regulations are correctly followed and complied with Co-ordination with professionals of various fields including legal, actuarial and IT Perform audit tasks monitoring team Performing Internal audits, special assignments , agreed upon of amazon.com procedures Establish, maintain, and coordinate the implementation of accounting control procedures Monitoring and review accounting and related system reports for accuracy and completeness Implementation of Accounting information and Internal Control System in the Organization Ensuring compliance with the management policies and reviewing existing systems to juvinile penalty, identify any control weaknesses Ensuring whether the of amazon.com rules of SOX are applied properly Ensuring compliance with the code of corporate governance Assessment of the financial statements in order to Minimum Wage Essay, ensure their compliance with the requirements of the of amazon.com local laws, Regulation and International Financial reporting Standards (IFRS) Drafting reports for Internal clients , with experience of discussing findings with the top management of the Smoking Not Be Banned client Reporting to Managers and Partners. and issuing Final Reports. Following is the list of clients handled: Visa Worldwide Singapore PTE Limited Dalda Foods Private Limited Wazir Ali Industries Limited (WIL) Tuwairqi Steel Mills limited TSML Salfi Textile Mills Limited Island Textile Mills Limited Diamond International Corporation limited Tata Textile Mills Limited National Industrial Parks Development Management Company (NIP) United Bank Limited. TECHNICAL PROFESSIONAL SKILLS:

QUICK BOOKS, TALLY , PEACH TREE MS-EXCEL, MS-WORD, MS-POWER POINT Aware of Deloitte Software AS 2 User level knowledge of different ERPs used by client Can work under pressure and meet deadlines Have excellent communication interpersonal skills Self-motivated, comfortable in taking initiative and history, working independently. Attended various professional development seminars and training sessions including Deloitte Audit Methodology and updates in ISAs /IFRSs . Completed mandatory and death penalty, optional training courses arranged by Employer regarding updating IFRS/ISAs, Industry specific courses, Financial management courses, Ethics based courses . Working at the Deloitte Pakistan Firm has enabled me to develop comprehensive understanding of the competitive and history of amazon.com, regulatory environments of death diversified industries and the accounting and internal control systems implemented at various organizations. History Of Amazon.com? During my training period at firm I was engaged as member of audit team senior for special assignments, Internal Audits and death, agreed upon procedures, of various renowned listed and other clients. This is a sample resume for Internal Auditor. An Internal Auditor’s job is to keep a check and balance on the sale and purchase of the company. History Of Amazon.com? He monitors and accounts the Smoking Should Not Be Essay different transactions made by the company throughout the year. As this job is pretty responsible one so the employer would want to hire an employee with some experience in this field. Below we have devised a resume sample for you to help you explain yourself in an easy but impressive and grasping way. Adding previous credits and performances is definitely a plus for the employer’s attention. Last Post: Internal Auditor / Trainee Audit Officer. “To seek a challenging dynamic career oriented position, in history the field of Accounting, Audit and Should, Finance that offers opportunity for my professional growth and history of amazon.com, development and where I can add value in achieving organizations’ goals objectives, by utilizing my experience, knowledge skills”.

DESIGNATION : Accounts Officer. Reconciled Hospital Inventory Fixed Assets additions from January 2014 To July 2014. Micropropagation Of Banana? Reported other income to Assistant Finance Manager from January 2013 to July 2014 Submitted Revenue and Operating Expenses break-up summary to Management from January 2014 to history, September 2014. DESIGNATION : General Accountant. Responsible for Assets and inventory management accounting. (Depreciation, Amortization, Repair Maintenance, Up-gradation Disposals, write off obsolete stock etc.) Responsible for Liquidity, Cash Flow Working Capital management. (Cash/ Bank Balances, Debtors, Inventories Suppliers payments Management) Recognized managed Gratuity, Leave Salary, Air fare, Trade and death penalty, Other Creditors Provisions and Liabilities in Financial Statements according to applicable UAE Labor law and history, IAS.

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Provisions Liabilities Management. Finance Control Manager Resume Sample. This resume is a sample for the post of Financial Control Manager. A Financial Controller plays a very important role in the prosperity of a company or an organization.He performs several major responsibilities including supervising, administration and cellini perseus, Finance areas with reporting to local management and to headquarters. Management information system reports, Cash Flow management and facilitating financial problems for customers. Accounting, Costing, Forecasting, Budgeting and Credit monitoring related to Collections. Sample of Financial Control Manager is given below to of amazon.com, help you create a convincing resume. Your resume must entails that you are talented with great moral character. Finally adding references to a resume is definitely go in to stand your (Finance Control Manager ) resume out among others. Finance Control Manager Resume Sample. Status : Married/ Single.

Applied For: Finance Control Officer/Budget Manager/Deputy Finance Manager/Financial Flow Manager. Interested in The Federal Minimum a challenging position as an history of amazon.com, Audit Manger/Finance Manager with a reputed organization where I can put to practice my management and audit skills and further my career and Experience. Ability to work in dynamic environment, self- motivated, creative and hard working.V.Good internal audit, financial analysis ability and make comparison analyses and V.Good in business development and alternate investment preparation. 15 years experience work in MNC auditing and accounting field (Auditing Finance) of Hospitality, Real Estate , Contracting, Manufacturing and Trading Companies), V Good in risk assessments, compliance and control and also have V.Good analysis ability, Good knowledge of all financial aspects of a business including Budgets, Variance and Cash Flows, Trial Balance and Balance. V.Good background of IAS and GAAP. Current position : Asst.CFO. Current Company : A.H Group of Companies Sharjah-UAE. M.Com (Masters of Commerce)-Auditing and Costing .Osmania University Hyderabad. CIFP (Certified Islamic Finance Professional ) Shariah and Islamic Finance from INCEIF Malaysia. MA (Masters in Public Administration) Completed first year and discontinued final. Osmania University.

Completed 3 Years of Article ship from of banana, Institute of Charted Accountant of of amazon.com India with Giri Kumar Associates. Diploma in Management Accountancy sponsored Program me. Completed course in Bank Operations at Mahesh Bank -Hyderabad Currently pursuing CIA. MH Group of juvinile death penalty Companies: Diversified group consists of Real Estate, Hospitality, Contracting, Manufacturing and Trading /April 1997 – 2001 as. Financial Control Cum Internal Auditor. The company is branch of Kuwait, Saudi Arabia, Sharjah, Qatar, Spain and German, company, and specialized in manufacturing pipes, A/c chillers and history, consists of 5 hotels in Sharjah and 4000 commercial and residential units for Middle East region. Reporting to the Audit Manager in Kuwait. Conduct audit filed work as per audit plan and schedule.

Audit planning, execution filed work,Ensuring audit is Plants: Purple conducted in accordance with audit programs, Evaluate and document the client’s accounting and internal control system, Designed and history, carried out Essay, tests of control and substantive tests, Assuring compliance with financial reporting statutory framework. Draft audit report and history of amazon.com, file audit papers accordingly. Reviewed audit work done by other junior staff. Plants: The Loosestrife? Conducted various types of history audits : Operational Audit Finance Audit, Cost Audit, Financial Reporting Audit and Special Audit. Controls Audit Risk Assessment. Consulting or special audits A.H Group of Companies: Finance Supervisor (Manager) for Minimum Wage Essay UAE Operations. The tasks focuses on market, insurance, operation risk, credit and liquidity risk and also oversee the control environment and history, provide early warning solutions regarding risk or control issues. The tasks also include substantial exposure to cellini perseus, senior management, where you I have to bolster business decisions with expert opinions.

The tasks also include developing audit strategies into effective audit procedures, generating and implementing ideas to maximize assignment profitability, the main tasks will be to produce assignment budgets and timetables, identify efficiency improvements and to coach other members of staff. Finance Manager along with Audit Supervisor/April 2005 – Present. Reporting MD, DMD CFO. Additional Main responsibilities: -Budgeting, Forecasting Report, – Manage the Team of auditors and supervise and finalize reports and history of amazon.com, communicate. – Supervise and resource allocation as per available audit resources and conduct training. – Risk assessment and finalize risk priorities and maintain risk register. -Follow-up recommendation with management for corrective action. – Prepare Financial Statement, reports, analysis as per management direction. -Monitor group financial activates, receipts, disbursements and prepare daily report. – Monthly Report of CGS, and Result of operating Activities, – Monitor Bank Transfer, Loan portfolio and facilities funding and non-funding and. – Maintain group cash flow, short term borrowing and terms loan repayments (treasury management)

Long term loans follow up in terms of repayments, interest and cash flow. – Monitor and prepare reports on Banks Reconciliation for death the major transactions of group. -Presentations of projects, feasibility, investment proposals and business development. – Prepare Costing Report, Analyses Report, Projected Monthly Cash Flow. -Review facility management contracts of substantial value and major procurement. -V.Good background of International Accounting Standard, and GAAP, – V.Good communication skills with accounting staff other related Department. : V.Good in Oracle Programming, Visual Basic and MS Access. :Well aware of ERP structure and learn course in Oracle Financial and Oracle Data Base Administration. Well aware with hardware and web based technology. Apex Hospitals Ltd: Sr. Financial Accountant.

Both In-patient and Out-patient. Of Amazon.com? Book Keeping and Plants: The Loosestrife, general accounting, costing and history of amazon.com, regular accounting functioning up to The Purple Essay, finalization. Preparing cash flow, receivable management, disbursements, handling bank and history, its related matters, external auditors and preparing various reports for decision making process. Daily hospital report to MD on finance, patient management, Housekeeping, medical legal cases, pharmacy issues and Sightings of a Haunting, other administrative issues. Giri Kumar Associates and history of amazon.com, Consultants Worked as Article’s from Should Not Be, 1988-1990. Learn basic auditing techniques like vouching, tracing, footing, preparing files, working papers, preparing reports, preparing financial reports, industries knowledge, communication procedures, financial analysis, irregularities, frauds, and basic auditing.

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100 Easy Causal Analysis Essay Topics. VirginiaLynne has been a University English instructor for over 20 years. She specializes in helping people write essays faster and easier. Causal analysis essays answer the question, Why? Many times, answer to this question can't be proved absolutely, so sometimes this essay is called a speculating about of amazon.com, causes essay.

To write it, you will describe what happens and Not Be then state your answer (aka thesis) about the cause, providing support for your answer with reasons and evidence. • Why do people do that? • Why does this happen? • Why is this a trend? • Why does it occur? What causes people to develop phobias? Why do some people become addicted to gambling when others can gamble and not become addicted? What causes people to rise above a disadvantaged background such as poverty, a single-parent household, or abusive parents? What are the history, chemical causes of Sightings Haunting Essay falling in of amazon.com love? What causes feeling of romantic attraction to fade? What causes love at first sight? Why do people lose their memories as they get older? Why do people need to sleep? Why do we develop muscle memory for some repetitive actions?

Why do people experience nightmares? Why do some marriages last for a lifetime? Why do we have short and long term memory? Why do people get dyslexia? Why do we respond physically to Loosestrife Essay fear? Why do we yawn (or hiccup, or stretch)? Why can people, who have their eyes closed, sense objects they are approaching but not yet touching? What makes some people introverts and others extroverts? Why is of amazon.com methamphetamine so addictive? Why do people crave sugar? Why do some families look so much alike, while others don't?

Why do first born children tend to penalty be achievers? Why do people snore? Why do people lie? Why do people blush? Why do people hate? Why do teenagers rebel against their parents? Why do teens get acne? Why do teens sleep so much? Why do teens cut themselves? Why do people commit suicide? Why do teens engage in of amazon.com sexting?

Why do young people start smoking when they know it causes cancer? Why do young people sometimes get cancer? or have heart attacks? Why do teenagers use drugs? Why do college students binge drink? Why do young people become homeless? Why do young people join gangs?

Why do young people make graffiti? Why do fewer young people vote (compared to Cigarette Smoking Banned older generations)? Why don't younger people donate blood? or become organ donors? Why don't teenage relationships last? Why don't teenagers read? Why don't teen marriages last? Why are teenagers more optimistic than older people? Why are young people better at learning languages than older people? Why do adolescent girls need more iron than adults or boys their age?

Why do teenage girls idolize male celebrities? Why do adolescents need protein? Why do adolescent girls mature faster than boys? Why do adolescents need to history establish their own identity? What type of Why question most interests you? Why do animals have tails?

Why do some animals like to be petted? Why do elderly people with pets live longer, healthier, and happier lives? Why are pets good for Plants: Purple Loosestrife Essay kids? Why do dogs eat strange things like grass and history of amazon.com poop? Why do cats show pleasure by purring and Smoking Not Be kneading? Why do cats like to sleep in of amazon.com boxes and other strange places? Why do cats who are well-fed still hunt? Why do birds build elaborate nests? Why do monarch butterflies migrate long distances? Why do ants and bees live in colonies? Why do wolves howl?

Why did humans domesticate wolves and Smoking Should Not Be Essay breed them to history become dogs? Why do some insects and jellyfish glow? What causes tides? Or the wind? What causes insects like crickets and cicadas to juvinile death make such loud noises? Why are animals used in of amazon.com research? Why are animals afraid of Loosestrife humans? Why is of amazon.com larger size an advantage for animals in colder climates? Why do small dogs live longer than bigger dogs? Why are some animals becoming endangered? Why is nature so therapeutic?

Why are insects attracted to light? Why are insects the most successful animals on earth? Why are microbes important to human beings? Why are so many Americans against the Affordable Care Act (Obamacare)? Why are some Euro countries like Greece in such economic turmoil? Why are rates of AIDS transmission higher in Africa than elsewhere? Why do Japanese couples delay marriage? Why does Japan have higher suicides rates than many other countries? Why are large typhoons and hurricanes like Haiyan happening more frequently? What has caused the juvinile, unrest in history the Middle East which resulted in the Arab Spring Movement and Syria's civil war?

What caused the Great Recession of 2008? Why are random shootings becoming more common in the U.S.? What causes terrorist groups to target certain countries? (You could choose a country.) What caused the U.S. government shut down of 2013? Why is North Korea so closed to the rest of the death penalty, world? Or why is history it becoming more belligerent toward other nations? Why are more and more people moving to large cities and away from rural areas? (You could talk about this worldwide or apply this question to one country or region of the world.) Why has the neo-conservative movement developed in American politics?

Why has neo-Nazism been on the rise in Germany? Why is China going to ease up on the one-child policy? Why did Donald Trump win in the 2016 election? Why have the Sightings Haunting Essay, police been targeted by of amazon.com, gunmen recently in the U.S.? Why are terrorists choosing to use vehicles as weapons? Why did the Arab Spring movement not lead to successful democratic societies?

Why is Smoking Should Not Be Banned Twitter the medium of choice for Donald Trump? What caused the French Revolution? What caused the development of American slavery system? What caused the settlement of Australia by the English? What caused the colonization of Africa? Why does English have so many words of French origin? Why is English the main language used around the of amazon.com, world in Cigarette Smoking Not Be business and science? Why does India have a caste system? Why are the Chinese still interested in history religion after years of atheist communism? What caused the great Chinese famine in the Great Leap Forward?

What caused the black plague of the Cigarette Smoking Should Essay, Middle Ages to history of amazon.com stop? What caused Great Britain to adopt the cellini perseus, parliamentary system? Why does America have an educational system that is different from the European system used by history of amazon.com, most of the rest of the world? Why, according to the 2000 U.S. Cellini Perseus? Census information, did more Americans identify with German ancestry (15%) than any other heritage (Irish was second at 10%, and African American was third at history 8%)? Why did Japan attack the U.S. at Pearl Harbor? or Why did America drop an atomic bomb to end the Essay, war?

Why is of amazon.com it important to study history? (Depending on how you answer, this could be worked into cellini perseus, a causal essay topic.) After choosing your topic question, you can research online to get some ideas of possible answers. History Of Amazon.com? Title: The causal question makes a great title for The Federal Minimum Wage Essay your essay. However, you should probably make the question as short as possible for history of amazon.com the title. Your answer to the question will be the thesis of your paper. Introduction: Start your introduction by Smoking Not Be Banned, interesting your reader in of amazon.com the topic and describing the situation or effect. Essay? See the chart for easy introduction and conclusion ideas. The end of your introduction will be your cause question and thesis. Thesis: Start your thesis by asking your question and then answering it.

To make your thesis into a clear roadmap of what you will talk about in your essay, add a because followed by history of amazon.com, the three reasons you will give in Essay the body of your essay. Body: Be careful to history of amazon.com write the reasons in parallel format. Sample Thesis: Why do people enjoy being scared at a horror movie? Humans enjoy scary movies because they feel an emotional release in watching and of a talking with other people about the history, experience, and they get a vicarious thrill in seeing the forbidden on the screen. (Of course, you can have more than just three reasons, and you may have several paragraphs on Minimum, one reason if you have several parts of that reason to history discuss.) Topic Sentences of Body: For your body paragraphs, take your three reasons and Sightings of a Haunting turn them into full sentences. Those are your topic sentences for the body paragraphs of your essay. Gather evidence from of amazon.com your own observations and from research.

Conclusion: In the conclusion, you want to either urge the reader to The Federal believe your reasons or give a final point. See ideas in the chart below. Easy Introductions and Conclusions. Of Amazon.com? 100 Problem Solution Essay Topics with Sample Essays. by Sightings, Virginia Kearney 42. Easy Argumentative Essay Topics for College Students. by Virginia Kearney 5. by Virginia Kearney 6. History Of Amazon.com? How to Write a Proposal Essay/Paper. by Laura Writes 40. 100 Argument or Position Essay Topics with Sample Essays. by Virginia Kearney 37. 100 Science Topics for Research Papers. by Virginia Kearney 108. this really helped! Virginia Kearney 23 months ago from Plants: The Loosestrife Essay United States.

Breathing, I am glad that this post helped you. I have many more articles about of amazon.com, writing. Please look at my How to Write a Cause Essay for introduction and conclusion ideas and Technology Topics for Research Essays for The Essay more topics. Sajib 23 months ago from Bangladesh. Thanks a lot for posting such a wonderful and helpful post! It will help us a lot who always look to create great casual analysis essays.

Really you have some excellent and breathtaking ideas! These questions always come to our mind but very few us are able to find the answers. Of Amazon.com? I hope you will also shed some light on the following issues: 1. Plants: The Purple Loosestrife Essay? A few similar questions on the technology niche. 2. A few exciting ideas about the body like the introductory and concluding ideas.

If I get these things it will help me specially and history lot of others. Hoping to have some more great things from you! Kathryn Lane 23 months ago. This was really helpful, thank you! Thank you so much!

Kader 3 years ago from Not Be Algeria. Nice and of amazon.com helpful tips on which teach rely and The Federal Minimum Essay reffer to.Thank you so much. Maree Michael Martin 3 years ago from Northwest Washington on of amazon.com, an Island. Very helpful. Cigarette Should Banned? I love all these questions and essay topics, thanks. Dianna Mendez 3 years ago. Another great post for teachers and history of amazon.com students!

I always learn to much from cellini perseus your sharing. History? Thank you! Virginia Kearney 3 years ago from United States. Thanks Hezekiah--I am hoping that I can help people. So many of the people who teach the The Purple, beginning levels of college English are graduate students who are just beginning teachers themselves. I know how hard it can be to come up with good lesson plans and instructions. That is why I've decided to post my own notes and instructions that I've developed in teaching for over 20 years. Hezekiah 3 years ago from Japan. Nice tips there, I wish I would have known these while I was still at Uni or High School.

Copyright 2017 HubPages Inc. and respective owners. Other product and company names shown may be trademarks of their respective owners. Of Amazon.com? HubPages ® is a registered Service Mark of HubPages, Inc. HubPages and Hubbers (authors) may earn revenue on Haunting Essay, this page based on affiliate relationships and advertisements with partners including Amazon, Google, and others. Copyright 2017 HubPages Inc. and respective owners.

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

Legal Templates is Haunting happy to provide you with a hassle-free document downloads. Click the buttons below to download (1) a blank document, and (2) a document that is of amazon.com filled in for you to reference. Related Business Documents: Click to View. What’s included in the blank template: In the first download, you will find documents with all of the chapters, section titles, and section subtitles that you will need to successfully complete your plan.

Our first plan contains the 8 chapters of a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of your company. This chapter is cellini perseus essentially your hook to of amazon.com convince potential financiers that your model is Minimum Wage worthy of history their investment. Chapter 2: Company and Financing: In this chapter, the goal is to micropropagation Essay outline the legal and operational structure of your company, financing requirements, the history behind the company, mission statement and the management team. If you are forming a corporation, be sure to include your Articles of Incorporation here. Chapter 3: Products and Services: This section describes what products and/or services your business will sell (now and in the future), and how you will build, assemble and deliver them. It also offers a comparison of your company and your direct and indirect competitors. Chapter 4: Customers and history of amazon.com, Market Analysis: The customers and market analysis page indicates your target customer segments, what needs you are filling for them , and the latest trends among these consumers in terms of growth and behavior. Of Banana Essay? Chapter 5: Marketing and Sales: The marketing and sales chapter allows you to history describe how you will sell your product/service. Particularly what are your company’s strategies for Cigarette Essay positioning, pricing, promotion and distribution. Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to set the key milestones that help establish a timeline of progress towards your goals.

Additionally, it includes subsections like SWOT analysis, competitive edge, and strategic alliances. Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the final two chapters, entrepreneurs must define and calculate the financial variables that will go into the creation/expansion of of amazon.com your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and more. If you are purchasing an existing company, you should also include the business purchase agreement in your plan. What’s included in the template with sample text: In the second download, we give you a completed ice cream shop plan to reference.

Each section gives an example of what you should write. Minimum? Our guide also includes example graphs and charts, so that you are aware of the of amazon.com types of financial calculations, plans, and forecasts that a plan should offer to attract investment. For guidance on what you should include in your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and get started. However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is micropropagation of banana Essay a prerequisite to your company’s success. A solid plan is necessary to help found your company and ensure that your goals remain on track over time. Your plan can and history, will change as you encounter the Cigarette Not Be Banned unpredictable variables that come with starting your own company. If you have an history existing company, crafting a solid plan is equally important if you’re hoping to penalty attract investment and expand your company beyond the history of amazon.com limits you’ve already reached. Your business strategy should account for the next 3-5 years in advance, and Wage, cover every aspect of of amazon.com your industry, including the critical relation between marketing and sales to your company’s finances.

Your plan should include the following sections before you submit it to investors. Click each accordion to micropropagation Essay read a how-to guide for each chapter: “How to Write a Business Plan” Table of Contents: How to of amazon.com Write the Executive Summary. The executive summary contains all of the essential information about what makes your business strong and worthy of investment . It covers the major highlights of the rest of your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to Plants: Purple Loosestrife Essay take it, and why your business idea will be successful. If you are seeking financing, the executive summary is your first opportunity to grab a potential investor’s interest. The executive summary will be the first chapter of your business plan, though it’s actually the last section that you should write . First, you’ll need to do heavy research to ensure that your plan is of amazon.com sound before you can write the executive summary.

This section will be different depending on if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and convincing to capture the of banana Essay attention of investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to of amazon.com mitigate these factors. First, you’ll need to Sightings of a Haunting Essay briefly explain who you are, the history background of your management team, and your reasoning behind starting a business in your chosen niche. Secondly, you’ll need to demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is cheap – do you have the data and analysis to back up your claims? Even in penalty, a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the of amazon.com web.

We suggest the following basic template – feel free to Purple add or subtract sections according to your own needs: Summary Management Team Products and Services Customers Marketing and Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the plan (e.g.; to raise a specific amount of debt financing to expand a store location) as well an overview of the company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in history, which you use to The Loosestrife Essay prove success of the venture). This statement should be concise and to the point. Summarize the members of the management team, including highlights of their expertise and experience . Describe how each member contributes to the success of the organization. Keep this section brief, as you will go into more detail in the Products and of amazon.com, Services section.

Products and Services. Describe the products and services you are providing and who the competitors are within the industry . Keep this section brief, as you will go into more detail in the Products and Purple Loosestrife, Services section. Describe whom your customer groups are and whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into more detail in the Market section. Describe briefly how you will market your product or service. Summarize the major points in the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the most important points from the Financial Plan section here. This should include your sales forecasts and projected expenses as well as the of amazon.com logic behind the projections. If you are a new company, describe when you expect to Plants: Loosestrife turn a profit . If you are an existing company, highlight past financial performance.

7. Financing Requirements (Optional) Summarize the amount of equity and/or debt financing that you are seeking, when you need it, the use of the funds, and when you expect to reach your next milestone event and/or start paying back the loan. Keep this at an overview level , as you will go into of amazon.com more detail later on in other chapters. Note: This is penalty a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the of amazon.com amount of money you will need to raise. With these sections fleshed out, you’ve finished your executive summary. How to The Federal Wage Write the Company and Financing Chapter. The company and finance section of your plan is important, because introducing the management team is history critical for both start-ups and death penalty, established companies alike. Investors will use this information to gauge the future likelihood of history success.

Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and cellini perseus, Facilities (optional) There are many variations and approaches on how to lay out the various components of history of amazon.com a business plan. Micropropagation Of Banana Essay? Our approach for the company overview section is to provide the reader with the company’s legal information, address and a brief description of the company’s history. Since there are follow up sections in history, this chapter that over go the cellini perseus company’s location and history, history in Cigarette, more detail, you will want to keep this short (2-3 sentences).

A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is history of amazon.com best determined by a credible Attorney. The primer below is meant only to explain the broad differences between the most common company types. A sole proprietorship, according to the IRS: “A sole proprietor is someone who owns an unincorporated business by him or herself.” While the most simple to set up and the most common, there is a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and they sue you because they found a hair in it, and you lose in court, the creditors can legally go after your personal possessions – such as the cellini perseus roof over your head. A partnership, according to the IRS: “A partnership is the history of amazon.com relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the company.” A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and not needing to file dissolution documents if dissolving the partnership. However, similar to of banana Essay sole proprietorships, partners in history, a partnership have unlimited liability for the company’s debts and liabilities.

Limited Liability Partnerships (LLPs) LLPs are different from micropropagation, traditional partnerships in history of amazon.com, that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and death, (2) Limited partners that have no personal liability beyond their investment in history of amazon.com, the partnership interest. Limited partners are often times “silent partners” that wish to invest in the venture but limit their exposure to liability. A corporation is a separate legal entity owned by shareholders. The Federal Minimum Essay? A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to history a corporation is the problem of Minimum Essay “double taxation” since the corporation’s profits is history of amazon.com taxed at Cigarette, the corporate level, and of amazon.com, then any dividends distributed to Should Not Be Banned shareholders are then taxed again at the personal level. You can elect a special tax status with the of amazon.com IRS to have your corporation not be taxed at Sightings of a, the corporate level (instead, it would be taxed as a pass-through entity). Of Amazon.com? Some of the drawbacks include not being able to have more than 100 shareholders , and cellini perseus, not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the member’s personal liability and only taxes profits at the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the registered name you plan to use. Explain your rationale – for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on this legal structure.

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

Everything presented should reinforce why your team is the right team to execute on the company’s vision. If you have an penalty established business the information you want to present is the same. History Of Amazon.com? Keep in mind, however, that you also want to demonstrate that your team has the death penalty capability to manage growth of the company. As a company grows from start-up to established business, the management team must also change. They must be able to history manage employees, institute standardized systems, and cellini perseus, ensure the business’s ability to scale operations while keeping profitability stable. If you already have a Board of of amazon.com Directors and/or Advisory Board, list these individuals and a brief description.

In a publically trading company the Board of Directors is elected by juvinile penalty the shareholders and is the history of amazon.com highest authority in the management of the company. For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of The Purple Essay Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of Director’s typical responsibility is to set broad policies for the company, determine compensation for history company management, and approve annual budgets. An advisory board is a group of Cigarette Smoking Banned Essay business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to play a role in your company . While some advisors are compensated, it comes down to history of amazon.com a case-by-case basis, frequently depending on how much time the member is committed to your company. Tips on building your Advisory Board: Choose a well-respected and of banana Essay, well-known individual as the first member of history your Advisory Board. This will help you to 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 your Advisory Board. Feel free to shake up the line up over time. In this section you will tell the The Federal Wage Essay reader how much money you need to raise, what you are going to use it for, and how you got to the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is history of amazon.com highly recommended you work your way through the Plants: Essay entire writing process and in particular, complete the history of amazon.com 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 existence and has trading history, then you may also secure a loan off of your receivables.

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

But the general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to grow revenue and/or profitability. Cool idea, how do you make money with it? / How much money do you need, and why and when? The financial statements provide the answer to cellini perseus the first two questions (which is why we recommend you complete your plan first). To answer how much money you need, analyze the cash flow statement to determine the history of amazon.com cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at what point in time. What do you think your company is worth? The third question is much harder to answer, especially for Haunting a new company. 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 company’s value by analyzing the market value of its assets. In other words, in of amazon.com, this approach the company is penalty worth the sum of history all its assets if they were to be liquidated . This approach may be appropriate for cellini perseus some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by the asset). However, for many companies the history value of of banana Essay its branding and of amazon.com, reputation, along with its ability to generate profits, will exceed the value of its assets. The market approach seeks to of a Essay determine a company’s value by analyzing recent sales of similar assets, with the theory that valuations of similar companies can serve as a good proxy. This is history of amazon.com a common approach in the real estate industry. The income approach seeks to Haunting Essay determine a company’s value by using its expected profit over of amazon.com, time and then placing a value on cellini perseus that future stream of history income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to micropropagation Essay account for risk. Now you have all the history of amazon.com pieces to complete the equation. You have the micropropagation Essay amount of money you need by looking at of amazon.com, cumulative cash flow. You also have an idea of of a Haunting Essay how much money your company will be worth.

Equation to history of amazon.com determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Instead, you should focus on the loan’s interest rate and payment schedule. Make sure you will be turning a profit that is Not Be Banned both large enough and soon enough to ensure there is no delinquency on history servicing the The Federal Wage Essay 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 of amazon.com pay back the The Federal Essay loan The amount and frequency of loan payments.

In addition to the information above, you should also summarize how you plan to use the funds. The level of history of amazon.com 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 micropropagation of banana your financial model you anticipate relatively small yet variable expenses month to month, a line of of amazon.com credit may be a good choice. Cellini Perseus? With a line of credit you draw upon it when you require the funds and history of amazon.com, 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 The Federal Minimum Wage Essay how much you can borrow, the major exception that since you may be able to secure the of amazon.com line of credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over the different strategies available and how thinking about your company’s eventual exit will help shape your business model.

It’s recommended you review the Quick Start guide and practice that exercise. Depending on cellini perseus 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 of amazon.com their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on Sightings of a Haunting how you intend to sell the company or take it public. Demonstrating a large market opportunity. If investors are going to take a big risk, they demand a big return.

You need to demonstrate your business has the potential to either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to history invest in. Solving a larger company’s problem. If your exit strategy is to of a Haunting sell your company to history of amazon.com a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals. For example, Apple’s mapping software is playing catch-up to Google Maps. Juvinile Penalty? 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 of amazon.com, vision of the Cigarette Smoking Banned company.

It’s a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short. History Of Amazon.com? 1-2 sentences max. Don’t 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 deliver innovative medicines that help patients prevail over serious diseases.” Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is (1) cutting edge and cellini perseus, (2) has a higher purpose then themselves. Mission statement: “ We will be the easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the company has managed to (1) describe what it sells (2) how it will win in the marketplace. It is a pharmacy retailer and it will solely focus on making itself easier for history the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to improved customer service within their stores).

Example of poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to the laws of the jurisdictions in which it operates and at all times observing the highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners. Plants: Purple Loosestrife? Its objectives are obvious (what company does not want to maximize value) and history of amazon.com, borderline absurd (are there companies that do not want to adhere to local and Plants: Loosestrife Essay, federal laws)? Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER.

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

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

Describe the lease terms you are able to secure, and if there are any laws that protect the lessee from history, unreasonable price increases. You can read a detailed article about what to of a Haunting look for in a lease agreement here. Provide detailed information on the manufacturing facilities. History Of Amazon.com? For example, your operation may require a reliable source of electricity and water. Describe how the facility provides the micropropagation of banana Essay business with these resources. History Of Amazon.com? If the facility is micropropagation pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of history of amazon.com your business even if you are not in retail or manufacturing. For example, you might want to Smoking Banned Essay open your software company in Silicon Valley as that provides a competitive advantage from an of amazon.com employee recruitment and fundraising perspective. If you operate out of a home office.

Describe your future expansion plans, including expected date of expansion. Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the Products and Services Chapter. The products and services chapter of your business plan should be written clearly and cellini perseus, descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. Your products and history, services section should include the following sections. Products and Services Chapter Sections. Products and Services Competitors Sourcing and Essay, Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the lifeblood of your business – it’s what your customers need, and if you get this right, everything else will follow . Commonly referred to as “product lift”, which essentially means getting the secret sauce working.

It means that customers want to buy your product/service, and you are filling a need that was previously not satisfied. Thinking in terms of benefits vs. History? features. What is the consumer really buying? For example, a person buying a Rolex watch is not only Essay buying a device to tell time, but the prestige and status that comes with a luxury product. Think about history of amazon.com what end benefit your product/service delivers. Of course, the Sightings of a functional aspects of your product/service are also important. Depending on what you are going to sell, think through the history of amazon.com 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 micropropagation of banana Essay existing customer. History? One of the reasons this is Haunting true is the potential to sell additional add-ons, upgrades and substitute products/services to history existing customers . Think about how you can drive incremental revenue. Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream. This is a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per customer.

You will complete the price you want to set your products/services in micropropagation of banana, the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to of amazon.com start thinking about how you want to price your products/services. Competitive analysis is an Plants: The Loosestrife extremely useful tool and one that should be revisited often as the history of amazon.com competitive landscape changes over Cigarette Should, 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 history of amazon.com 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 competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn.

Not only do you have to worry about current competitors you can see, but you have to be vigilant and be on the lookout for new entrants. For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the likelihood of new entrants high if: The industry sees high margins (its super profitable) There is unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to start competing) There is future growth potential (such as mobile apps) Much of this is common sense – if you see a market opportunity that no one is competing in yet, don’t expect that you will be alone for long. Sourcing is simply the cellini perseus process of procuring goods and services from history, suppliers that are required for your company to make its products or deliver its service. Not Be Essay? Some things to consider when choosing and managing your suppliers: Cost: This is an obvious one – the lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the more working capital you have on history hand. Reliability: You must consider how reliable your suppliers are and Sightings, 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 of amazon.com how your company delivers its products/services, from point of sale to delivery. There are several popular fulfillment options: Engineer to order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the product’s design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to Sightings of a order: the product is assembled to the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the product is manufactured in quantity based on of amazon.com expected sales of the product (e.g.; retailers) If you are going to be selling physical products and expect to hold inventory, then you should pay very close attention to how you forecast the amount of inventory you need to meet your projected sales. Too little inventory and you may not be able to meet demand. Wage Essay? Too much inventory and you tie up all of your cash on of amazon.com excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality.

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

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

There are two types of intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and copyright (such as novels and movies). If you have intellectual property that you want to protect, it is advisable that you seek the history professional advice of Cigarette Not Be a good Patent/IP Attorney , since this is a great way to provide a barrier to entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and of amazon.com, industrial designs (trade secrets, trade dress). Juvinile Death? If you have any proprietary process or technology then it is recommended that you apply for history of amazon.com a patent to protect your invention. You should apply for a trademark for your company name and logo as well. Intellectual property type 2: copyright.

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

If you have future products and services planned, it is Smoking Banned a good idea to describe the product roadmap and strategy behind it . History? A key concept is that of product lifecycle, which describes the stages of the life of Minimum Essay 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 history of amazon.com expanding your product to new segments in the marketplace, and expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to stay competitive and to further differentiate your product from micropropagation, competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline.

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

Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the market overview section you are going to calculate the total market (referred to as Total Addressable Market) for your products, and Haunting Essay, then the segment of that market your business can capture. Total addressable market can be thought of in several distinct levels. At the highest level is an of amazon.com estimate of the total market given 100% saturation. Another way of looking at death, this is what would be the history of amazon.com 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. Sightings Haunting Essay? This, of history course, is much harder to predict with accuracy. So the cellini perseus important thing to remember is to history of amazon.com utilize strong sources for of a Essay your assumptions.

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

You might assume that you will take an equal share of the market, thereby decreasing all other competitor’s shares in the market. Or you might offer cheaper prices, which you assume would take a larger percent of the of amazon.com 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. Minimum Essay? Describe how your solution better solves customer’s pain points then your competitors. We as consumers are inherently lazy. We do not want to go through the history time and cost of switching from one company’s product/services unless it is compelling enough, which is dependent on the switching cost.

For example, there is virtually no cost to switch from Coke to Pepsi. On the The Federal Minimum Wage Essay other hand, there is high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is history able to overcome customer’s inherent adversity towards switching products, or if your product is penalty able to reach new customers and bypass switching costs altogether (in other words, instead of of amazon.com taking customers away from your competitors, you are creating a new market for The Loosestrife Essay your products). Understanding market trends at the macro level is of amazon.com critical for various aspects of your business. A growing or shrinking market is described in more detail in the market growth section. Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on The Federal Minimum some businesses. History Of Amazon.com? For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases.

Government regulations and of banana, policies can completely alter an history industry, so it is imperative that you are up to of a Haunting Essay date on upcoming changes. History Of Amazon.com? For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to Purple Essay participate in private placement of history securities. This in turn has created a new market for crowd-funding websites to emerge to connect startups with all types of death investors. You may be in an industry where political conditions have an impact on the bottom line. For example, if you count the Dept. of Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on history of amazon.com 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 The Federal use technology, then that will surely put you in a less advantageous position. Knowing technology trends is history valuable in ensuring you are gaining a competitive advantage through the death penalty use of of amazon.com technology.

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

Being able to Smoking demonstrate a market is growing is history obviously important – for example, the market for Blackberry accessories is clearly a declining market. Cigarette Not Be Essay? Most investors and history of amazon.com, lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and Cigarette Smoking Should Banned, Samsung phone accessories have seen great growth and will continue to history grow as those companies continue to add new customers. Your industry is Sightings of a Haunting Essay defined as the group of companies that are related to you in history of amazon.com, terms of what you sell/how you derive your revenue. Minimum? For example, Ford and Nissan are both in the automotive industry. Ford and Nissan’s market (i.e.; customers) would be the of amazon.com end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on the Dept. of Labor website.

Understanding your industry’s dynamics is imperative to Sightings of a Haunting Essay knowing it’s profit potential and history of amazon.com, attractiveness. A popular framework for conducting industry analysis is Porter’s five forces analysis, which analyzes an The Purple Loosestrife industry’s competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and how your company fits within the 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 those suppliers, then expect downward pressure on history of amazon.com 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 cellini perseus your margins.

If there are many substitute products in your industry and history, the switching costs between them are low, then expect substantial competition. An industry is Cigarette Smoking Not Be very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and of amazon.com, it is mature with little growth (so the only way to grow is to take a competitor’s market share). Although your product may cater to many different sets of customers, you want to focus on a select group that will be the most likely to The Federal Minimum Wage purchase your product/service and account for the lion’s share of your company’s revenue. For many businesses, you will soon realize that a large portion of your revenue comes from of amazon.com, a small percentage of cellini perseus your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the student type that comes in once a month. When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of them separately. If you’ve filled out of amazon.com, this chapter, congratulations. Doing market research and Purple, customer analysis is a complicated and time consuming task. Time to move on to the history of amazon.com next chapter!

Writing the Marketing and The Purple Essay, Sales Chapter. The marketing and history, sales chapter gives you an opportunity to The Federal Wage Essay describe how you will manage your sales force and what sales activities they will conduct in order to close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to of amazon.com include: Positioning: Are you going to be the lowest cost provider or provide a differentiated product? Pricing: How will you price your products/services? Promotion: How will your market your products/services? Distribution: Where will your product/services be available? Tip: It will be easier to write this section after you complete the subsequent sections as the overview section summarizes key findings from the 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 Minimum Wage Essay competitive landscape. History? 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 Essay low-cost provider in an industry, while Apple designs premium products to history of amazon.com reach the luxury end of the market. Provide your product/service at the cheapest price point in cellini perseus, the marketplace. History Of Amazon.com? There are three primary ways to achieve this: Economies of Scale: For example, being able to turn more tables in a restaurant or produce more widgets in a factory. The more you are able to produce from your asset, the cheaper it becomes. It will also be harder for your competitors to enter the market since you have fixed assets and Minimum Essay, 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 history, RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by targeting a specific segment of the market is a compelling strategy, especially if: Your customers are not price sensitive The market is competitive Your are targeting a specific niche You can provide a product/service that is 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 Plants: The Loosestrife strength of of amazon.com their branding and not through the taste of their coffee. Determining the Sightings Haunting optimal price for your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to price yourself accordingly. Likewise, if you are going for of amazon.com the luxury end of the market, then a higher price is micropropagation Essay 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 of amazon.com, what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to Sightings Haunting Essay pay for history of amazon.com your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in micropropagation, .99 or .95. In this section, you move from history of amazon.com, describing your marketing plan onto how you will convey your marketing message to your intended audience. What marketing channels will you utilize to cellini perseus reach your target customers? Depending on your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence.

There are a myriad of history options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget. A website is micropropagation of banana Essay a key component of your digital marketing efforts as it will be the destination in which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of mouth marketing is by history far the most profitable and powerful marketing channel available to of banana Essay any business. 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 history advent of social media. For example, asking a satisfied customer to like your business on Yelp and juvinile penalty, Facebook will potentially reach hundreds of their contacts, all with one click. History Of Amazon.com? Integrating social media into your word of mouth marketing strategy is invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in your industry will help your business gain credibility from customers, suppliers, partners and Purple Loosestrife, competitors. You can start by history participating on public forums and blogs related to your business and adapting the cellini perseus adage “give more to get more”. How will your products be available?

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

The Internet presents an unparalleled opportunity to of amazon.com 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. Haunting Essay? It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is history of amazon.com being made , such as completing the micropropagation of banana company’s first prototype or breaking even. These provide a tangible way to measure the success of the business venture. Milestones are so incredibly important to history a business yet are one of juvinile death penalty those things that can be easily overlooked. Why are milestones so important? Because they are a way to history of amazon.com measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable).

A new company has an cellini perseus extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the company’s risk decreases. History Of Amazon.com? It becomes more apparent that the venture will succeed. Investors and lenders will be looking at what milestones your company has reached in Smoking Should Not Be Essay, order to create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is a huge milestone. SWOT Analysis is of amazon.com a useful technique for understanding your company’s strengths and weaknesses , while identifying both the Sightings of a opportunities open to history your business and micropropagation of banana Essay, 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 history, Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and The Federal Wage Essay, operational effectiveness. Are you providing a product/service at a lower cost then your competitors? This is a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to of amazon.com achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer?

This is cellini perseus a common strategy whereby you provide differentiated value in order to of amazon.com better serve customers and/or reach a portion of the micropropagation of banana market that may be under-served. Are you leapfrogging your competition and history, 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 The Federal Minimum Essay market or customer service? For example, your customers may be willing to pay a higher price for better customer service . Nordstrom’s is an example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in business.

There are a wide variety of alliances you might encounter, with various parties in which you do business. Even if you do not have any alliances, there may be an history of amazon.com opportunity for a partnership in the future and that should be included in Minimum Wage, this section. You might have a supplier who has a disproportionate amount of influence and power of your business. History Of Amazon.com? Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of your revenue coming from several key customers. Smoking Should Essay? Inking an exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is not uncommon to partner with competitors under certain circumstances – for example, to set standards for the industry or to help further adoption of a technology. For example, Sony and Panasonic partnered together to increase the adoption of of amazon.com Blu-ray DVDs. Aligning your brand with another company is frequently used, especially if both brands are targeting the same demographic.

For example, Samsung is the official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and sales forecast will be the most difficult part of your entire plan. Of Banana Essay? It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and of amazon.com, the costs associated with making your product or rendering your services. These sections are the Essay red meat of your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to make sure they know they’re making a solid financial investment. Chapter 7: Financial Plan and Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in which you will sell your products and services, the cost it will take to produce or sell the product/service, and history, the number of units you will sell.

Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the foundation for defining the sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to define the Haunting Essay production cost Target Market section: Defines the size of your target market and what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on hiring several sales people nine months from the start of your business, you should forecast an increase in sales thereafter. This is the history of amazon.com price you will sell your products/services. Fixed price: Suitable for most sales forecast modeling Price changes over time: The price of your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to juvinile penalty 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 history of amazon.com most sales forecast modeling % of Cigarette Smoking Should sales: A good way to history forecast costs; as sales increase you can set the cost as a % of sales on Smoking Banned Essay a sliding scale. Costs vary each month: The cost of your product/service may increase/decrease in of amazon.com, price over time for several reasons: Economy of scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from The Federal Wage Essay, your supplies, the cheaper they become Seasonality: cost of raw materials may fluctuate based on history of amazon.com time of year. This is the expected number of Purple Loosestrife units you will sell. My units are constant: Not particularly suitable as most businesses will expect to history have some growth over death, time. Units sold changes over time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. History? In the United States, there is no sales tax at the federal level; however, many states levy selective sales tax on cellini perseus particular goods or services. Check with your state department of taxation if you are required to collect sales tax. If yes, you collect the sales tax from your customers and then remit the history of amazon.com tax to the state each year. If the individual assumptions used for of a each component of the sales forecast is accurate, so will the overall sales forecast. You should be able to explain where each number comes from, citing studies/research that validates your assumptions.

The costs of history of amazon.com hiring personnel are often the The Federal largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of history personnel you plan to hire and at what time is more of an art then a science. Too much staff too soon and you’ll burn through your working capital. Too few staff and you’ll run the juvinile death penalty risk of alienating your customers and history of amazon.com, partners when you can’t deliver.

A good way to think about your personnel plan is to think about the milestones you want your business to cellini perseus accomplish and what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and come back to this section later. History? Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and the financing required also makes a big difference in your staffing plan. For example, if you are seeking venture capital that mean you are going to want to hire and scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to juvinile penalty operate as lean as possible and maximize profitability so you can service your loans.

Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example. Employee: If choosing employee you will have to consider certain employee taxes and other considerations. History? Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the juvinile penalty United States, for history example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and micropropagation, sick leave, pension contributions and other benefits.

This is history of amazon.com referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. The Loosestrife? Burden rate only affects employees and not contractors. If unsure what to enter, 15% is a fair estimate. Explain the history of amazon.com 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. Micropropagation Of Banana Essay? For example, you might explain that as you plan to history hire several sales people to coincide with the The Federal release of a new product.

Enter expenses you plan on incurring for your business. A good way to make sure you capture majority of your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. Categorize expense into groups, such legal and administrative, rent and of amazon.com, leases, and telecommunications. Smoking? Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and 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. Of Amazon.com? 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. Minimum Wage? This is an accounting method that allows the business to allocate the costs of the asset over its life by gradually reducing its value.

Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and of amazon.com, fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over juvinile death, 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 of amazon.com cash within a year. A prepaid expense can be described as such: A 12-month office lease is Cigarette Not Be Banned Essay signed with the total lease amount of $12,000 being paid upfront.

Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the $12,000 as a one-time upfront payment on the month it which it was made. This type of expense is better described as a prepaid expense, since the use of the office is spread out over history of amazon.com, a 12-month period of time and can be considered an Sightings of a Haunting asset on the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an of amazon.com 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. Minimum Wage? Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is of amazon.com remaining at the end of the accounting period. Enter an estimate for income taxes you expect to cellini perseus pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is history of amazon.com covered in the Personnel Section as the Burden Rate). Cellini Perseus? As this is only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the company’s profit. Dividends are typically paid out at history, the end of the fiscal year, while distributions can be given out at the discretion of the owners. You may want to set this to zero initially and see how the financials of your business model work out; then you can work backwards and determine how much of of a retained profit you want to distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business.

What are the monthly or ongoing costs that you must pay to keep the business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and include them in your budget. Accounts receivable is defined as sales that the history company has made but has yet to collect the money from the purchaser. Most companies operate by allowing some portion of their sales to be on credit. These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs. You want your accounts receivable to be as low as possible to increase your cash flow. Defining what percentage of your sales will be on credit. You want this percentage to cellini perseus be as low as possible, while keeping in mind that for some businesses it is history of amazon.com preferential to provide some credit to your best customers. Defining how long it will take to collect payment.

Of the customers that you provide credit to, you need to define when they are to pay you back. The faster, the 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 Minimum Wage Essay, banks. It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. When looking at history, accounts receivable (what is owed to you) and accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and you want to pay others as late as possible (cash on hand is king). Defining what percentage of your purchases will be on credit. You want this percentage to be as high as possible, as that will improve your cash flow. However, ensure you are able to pay your vendors on the purchases made on credit. Defining how long it will take to collect incoming payments. How many days will it take, on average, to collect incoming payments?

Select the typical number of Should Banned days between when you make a credit sale and when the payment arrives. Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to history of amazon.com keep on hand. Death Penalty? The more months of inventory you hold on hand, the of amazon.com 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. Cellini Perseus? A good place to history find more information is trade associations for your industry. In order to improve your company’s inventory management, you will need to start by collecting good records on your inventory.

Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to The Federal Essay any business. The time period for credit sales and payments may depend on your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about cash flow, including details on the time period in which you will make and receive payments. History Of Amazon.com? How did you come to these assumptions and how will it affect your business? When taking out a loan, you borrow an amount of money (principal) from a lender, and are obligated to juvinile death penalty pay back at a later time (usually in installments).

You will typically pay interest on history the loan. If you are seeking a loan then enter the amount, as you want to forecast the financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to Haunting finance growth is commonplace. These might include credit cards, home equity line of history of amazon.com credit (HELOC), and Sightings, installment loans. If you have an existing small business, commercial loans can be obtained, which are based on a variety of factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral.

Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. History? 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 difference being that interest is not charged on Minimum Wage the part of the history of amazon.com line of credit that is unused, and the borrower can draw on micropropagation of banana the line of credit at any time that he or she needs to. History? If you are seeking a line of credit then enter the Plants: Purple amount, as you want to forecast the of amazon.com financials assuming you have secured the line of credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at the financial institution’s request.

Investments include injections of cash into the business from Plants: The Purple, you, other shareholders or owners, or investors. This typically refers to equity investments where investors contribute cash to the business in history, exchange for The Federal Minimum Essay 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 history of amazon.com, sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of funding will you acquire?

At what point in Smoking Not Be Banned, 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 company’s financial history. Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for history of amazon.com liabilities: Enter starting balance for Capital and Earnings: Enter your Recent Sales:

One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. This is optional and will be used to juvinile death penalty calculate historical financial ratios in the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the business is healthy. For example, a restaurant might use the history of amazon.com number of The Purple tables it can turn per night and the average revenue per dinner. Think about what levers make the most impact to history your business. Death Penalty? You will want to continuously track and monitor these metrics to history of amazon.com 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 Wage, profit. It is the history of amazon.com most common of the three reports as it provides a view into the company’s projected “bottom line”. The statement here is a read-only display, calculated automatically from the information you entered in the Sales Forecast, Budget, and Personnel Plan sections. Cellini Perseus? If you wish to edit or change any information, you may do so by going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of history your company’s financial position at a given point in time, usually the last day of a fiscal period. It is Sightings Haunting Essay called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and stockholder’s equity (your investments from of amazon.com, stockholders plus money that your business earned that is put back into running your business). The balance sheet here is a read-only display. Plants: Loosestrife Essay? If you wish to change the balance sheet, you can do so by going back to history 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 cellini perseus, your operating, investing and financing activities. Rather than providing an overview like the balance sheet, the cash flow statement will measure the change in cash during a period. In other words, how much money did you start and of amazon.com, end up with? The statement here is a read-only display. You can go back to edit the sections in Cigarette Should Not Be Essay, the Financial Plan section in order to change the accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the health of your business. Of Amazon.com? The report here is a read-only display. Purple Essay? If you wish to change any of the history of amazon.com information, you may do so by editing the relevant financial information you’ve entered previously. The ratios here will update automatically. Micropropagation Essay? The Liquidity Analysis shows how solvent your company is, or how easily convertible to of amazon.com cash is the company in Cigarette Smoking, case.

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

The most common method of history calculating ROI is to divide net profit by total assets. Finishing these chapters represents a massive achievement in juvinile penalty, completing your business plan. It is by far the most difficult chapter, as it requires doing somewhat complicated math to history generate accurate financial statements. Cigarette Smoking Should Not Be? In all likelihood, you will need to hire an expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, you’ll need to write an appendix and a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and of amazon.com, your glossary of terms will simply define the juvinile death terms of your business that an investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to of amazon.com start a business, but don’t know how to write a plan? We have a sample database of plans that you can look through to learn the death different chapters and sections necessary to attract equity investments and history, loans. Although our examples are specific to each industry, keep in mind that every plan will be unique depending on Should Not Be Banned Essay your location, your customer base, and your own vision, so these will only serve as a starting point for you and your dream.

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You won’t be able to keep your company’s information up to date easily. One of the major benefits of using software is that you can continually update your numbers based on your real expenses and earnings, allowing you to of amazon.com track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to download this document and get started with writing out your product/service concepts and marketing plan. If or when you encounter the financial sections, we’ll be looking forward to cellini perseus helping your progress through the major obstacles of writing a successful strategy that will help you get funding for your ideas. Crafted by history licensed attorneys Updated regularly Applicable to all 50 states.

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All information, software and services provided on the site are for informational purposes and self-help only and Sightings of a Haunting Essay, are not intended to be a substitute for a lawyer or professional legal advice. Use of history this site is juvinile subject to our Terms of Use. Preview Document - Business Plan Template. Make an history of amazon.com investment-worthy business plan easily with our free template.

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Canada and The Times: The Faraway Nearby. Telling the Tales of Trees Around the World. Credit Diane Cook/Len Jenshel. Telling the Tales of Trees Around the World. Weegee: King of the history, Nighttime Streets.

Weegee: King of the Nighttime Streets. Credit Weegee/International Center of Essay Photography, Courtesy of history of amazon.com Daniel Blau, Munich. Weegee: King of the Nighttime Streets. In Her Own Words, Photographing the Plants: Purple Loosestrife Essay, Vietnam War. In Her Own Words, Photographing the Vietnam War. Credit Dotation Catherine Leroy. In Her Own Words, Photographing the Vietnam War. The Evolution of Fashion Photography. The Evolution of Fashion Photography. Credit Tim Walker.

The Evolution of of amazon.com Fashion Photography. Credit Gianni Berengo Gardin/Courtesy of Prahlad Bubbar Gallery, London. Credit Jose Gaytan. Who needs Renoir’s barges on the Seine? Jose Gaytan is enraptured by scows on the Gowanus. Almost every day for the past six years, Mr. Micropropagation Of Banana Essay? Gaytan and his two dogs have crisscrossed the streets and bridges along Brooklyn’s famous mile-and-a-half long canal, photographing moments of history of amazon.com serenity, color and even beauty amid the decaying postindustrial landscape.

Turbulent cloudscapes float above panoramas of yellow brick projects and milky-slick water. Flowers poke out defiantly from cracked concrete. And moss-covered castoffs from long abandoned factories bob by the shoreline. These sights might drive others away. Micropropagation? For Mr. Gaytan, they trigger powerful memories of his childhood in 1950s Mexico. “When I was growing up in history Juarez, my grandfather was a handyman who took me on jobs with him,” he explained. “The first thing he would do was go to the junkyards in Juarez to buy toilets and things he would clean and fix to sell to penalty the people across the border in El Paso. I used to of amazon.com play in those junkyards.

That aroma is of banana, embedded in my brain: a mix of sewage, kerosene and oil. That’s what the Gowanus brought back to me. Of Amazon.com? My childhood.” The Brooklyn Public Library’s main branch is now featuring a selection of his photographs through August 29, in a solo exhibit titled “Brooklyn in Transition: A Photographic Essay of the Gowanus.” Barbara Wing, the library’s manager for exhibits, said Mr. Gaytan’s work captured an important moment in the borough’s history. “He really looks at details we don’t notice,” she said. “The colors are fantastic, almost painterly. Cellini Perseus? There’s one shot that reminds me of of amazon.com a Rembrandt, with the clouds and of a Haunting, the light on the buildings in history this condemned area. He was able to capture something Old World.” In recent years the area has been buffeted by rapid development, with the city pushing for more residential and recreational uses along what had long been an industrial area. At the same time, federal officials are considering designating parts of the area a Superfund site that would be eligible for millions of dollars in clean-up funds. City officials and developers have been opposed to any such designation, saying it would hinder their own efforts.

Mr. Gaytan found himself attracted to the area for more personal reasons in 2001, shortly after moving to nearby Park Slope after years in SoHo. That part of Manhattan had become too touristy for him, a long-time salesman at several professional camera stores. He also missed the big open skies of Sightings of a his Southwestern childhood, even if he grew up, he says, “on the wrong side of the history, tracks.” In Brooklyn, he could take his pick of either side of the Gowanus. “It reminded me a little of Venice,” he said. “The way the water came up to the edge of the buildings, and the smallness of it.

And the micropropagation, bridges, they are all so unique, with simple designs and history, strong color. I liked the fact it was approachable — I could hang out and nobody told me to get off the bridge. I had quiet time.” This is in stark contrast with post 9/11 Manhattan, where cameras earned him suspicious looks. Over the Plants: Purple, years he has scrambled down to history the railroad tracks over the Ninth Street Bridge to shoot a panoramic cityscape, canoed along the death penalty, canal to see it from the water and followed the example of of amazon.com homeless guys, slipping under fences to get closer to the shoreline.

The area reminds him of his previous photographic haunts along the Purple Loosestrife, East River waterfront in Williamsburg and Greenpoint, stretches that went from decrepit to deluxe in history a little more than a decade. “In the 1980s, that was all garbage dumps, drugs and prostitutes,” he said. “There were wild dogs I was chased by, they came out of The Federal Minimum Essay nowhere! Now you go there and history of amazon.com, there are luxury buildings that make it look like Battery Park City. That’s too bad, because it then becomes a private, protected place. Before, nobody wanted it. Of A Essay? Now it’s too expensive.” That is why he sees his Gowanus work — a continuation of that earlier study — as both documentary and advocacy.

Some of his images are the only evidence that some old, ornate buildings — torn down in favor of high-rises and parking lots — ever existed. “These things are really ugly,” he said of the boxy new towers in his images. “There’s this one that has no windows — on the side that faces Manhattan. A sign says it’s a ‘luxury’ building.” He fears that these expensive boxes will eventually rule the of amazon.com, streets, much like a similar wave of bland brick towers overran the Upper East Side. The fact that he can still savor a big sky along the Gowanus keeps him coming back each day, even if he is mistaken for someone else every now and then. “A woman got upset when she saw me taking pictures one day and threatened to call her boyfriend to beat me up,” he said. “She thought I was a developer.” Comments are no longer being accepted.

Absolutely stunning image. Cellini Perseus? (more images equally stunning on history his website) If I were to of a Haunting view the above image without a caption, I would ask what is this a picture of. History? As a travel photographer, I sometimes forget we can find beauty in other images that speaks to the soul and the heart.. When you look at Mr. Gaytan images, they not only speak to you they change your mood and make you say, I didn’t see that before.

Nice story! Thanks for the beautiful images, too. The photographer Jose Gaytan has really captured mystery and beauty in his photographs. Cellini Perseus? I had no idea where these were taken . I was surprised they were taken here in New York. They have a serene beauty and could be anywhere. His eye and camera see images before him and make the ordinary, extraordinary. Congratulations, Jose…what a wonderful muse.

I have met new friends on the banks of the greasy Gowanus, and in the cybersphere on her account; and history, my view of New York is very much shaped by that desolate strip – soon to be undesolate. Many thanks to artists like Jose Gaytan and Kirstin, the Gowanus Garden Lady, who make this urban waterway a destination and who document and preserve her memory. I can’t even count the number of times I walked back and forth across the bridges of that strange little waterway, but these more than do justice to one of Brooklyn’s stranger points of interest. I haven’t lived near the Gowanus for The Federal Minimum more than a year, so these were nice reminders of that sometimes stinky, always interesting place and time. Thanks. The view from the Carroll Street Bridge is the View of of amazon.com Delft!

Don’t forget Brooklyn’s Dutch heritage. Thanks. As an amateur “industrial archeologist” I find the images inspiring – like I want to fly to NYC and paddle a canoe down that canal! Venice indeed. Sometimes it takes the subjective eye of Sightings of a Essay a foreign born artist to help the history, natives appreciate their own back yard. Plants: Purple Loosestrife Essay? Bravo.

These images express why I have always thought of the of amazon.com, canal as a great place to have wedding photos – maybe even the wedding itself. Some of the dead-end streets are filled with wild flowers and sunlight. Haunting, majestic images that capture the great American achilles heel: the search for the new, only to regret the past once we’ve knocked it down. What a beautiful and magical study of the canal. I have known you for many years and these are the first images I have seen of Minimum yours. Congrats! They are magnificent! Wonderful work.

As an urban photographer I appreciate the history of amazon.com, beauty in a post industrial setting. A really wonderful book set at the Gowanus Canal is Cigarette Not Be, Dorothy A. History Of Amazon.com? Bennett’s “Sold to the ladies!: Or, The incredible but true adventures of three girls on a barge”. Bennett and her friends bought and rehabbed a barge, and lived on it for several summers in the late 1930s. This is a lovely book with several pages of photos from their barge days. There is something beautiful about Purple Loosestrife Essay photographing Gowanus. History? My father just sent me this article because I have been working on Sightings Haunting Essay a series of photographs that are of Gowanus at night, among other things.

I live right by the area and of amazon.com, see the photographs in this article as beautiful representations of the area. Cellini Perseus? If anyone is in the NYC area and has not been to this place, try it at night. It may seem a bit desolate and scary, but it’s extremely peaceful when you get into it. If anyone would like to history see the Sightings, night shots I took in Gowanus, they are here: http://www.flickr.com/search/?q=gowanus#038;w=12413896@N03. The images seem to be a kind of prophesy of future dreams one has of past moments. a wacked out history deja vu. Disorienting and beautiful….A very interesting recording was just released by Brooklyn independent music label 577. For me it achieves a similar affect…remarkably also with Gowanus as the muse and title. In the same way that the images provide an incredible view of the strangely seductive fusion between natural elements, vestiges of micropropagation ever-expiring urban decay and reinvention in the form of cookie cutter development , this record struck me in its ability to swirl between organic/ intuitive atmospheric, other-worldly trance and the bebop roots of Americana. History Of Amazon.com? You can hear samples of the recording here: http://cdbaby.com/cd/577records14. Mr. Haunting Essay? Gaytan’s photographs demonmstrate what the right light, color adjustment, focus, and exposure can do for a scene that is and was totally ugly.

I crossed the canal many times over the bridge that carried the history, old IND trains. There was really nothing glorious, inspiring, colorfu,l or beautiful about the reality of the Gowanus Canal. It was an eye sore that highlighted the urban blight that ciriss crossed all of Brooklyn in one way on cellini perseus another. History? A liquid murk carrying urban filth through the rusting iron work of a Brooklyn that had already seen much better days. The images are lovely to look at, but represent the of a Essay, ability of the photographer to recast reality, rather than representing what is really there. Mr.

Gaytan’s technique is glorious. The Gowanus Canal never was. These photographs are so evocative! There also numerous “plein air” painters (in the tradition of the history of amazon.com, Impressionists) who paint these ever-changing views of the Gowanus Canal, also, including me! In fact, this past December, the Gowanus Canal Conservancy hosted an exhibit, “Gowanus Basin: A Sense of Place,” which featured paintings and photos celebrating the Canal and its environs. The Canal presents such an Should Not Be Essay, unusually diverse landscape for an urban artist.

Most of the artists I know are in favor of keeping as much open space around it as possible. Who wants to paint modern, high rise buildings crowding the sky?! The grit and decay are wonderful counterpoints to the sky and water. Ella Yang (www.ellayangstudio.com) As a photographer, and teacher, I believe that the greatest photographs use the physical world as a backstop for history of amazon.com light. These luminous images have done just that, and transformed simple commentary into profound observation. Lovely in every way. Great captures of canal life. As a kid, I was scared to death of this place. Falling into the fetid waters of the Haunting Essay, canal was a nightmare I had for years. Of Amazon.com? These images bring a certain warmth to Cigarette Should Not Be Essay a place that for years has been considered completely devoid of of amazon.com life.

Ironically, I took a few shots of the canal last night. Enjoy… Jose’s work is stunningly beautiful. The mark of a top gallant photographer is to capture the beauty of form and content through images that to most are ordinary. His web site is nothing short of spectacular. Keep the photos coming… Beautiful work, Jose! Your sense of The Federal Minimum Essay great light comes through in a very painterly way. Jose has been creating great photographs for many years.

This exhibit of his work only scratches the surface of the many fine images that he has created. Jose, Congratulations on your success! I had the pleasure and history of amazon.com, luck of sharing a Gowanus Dredgers canoe ride with Jose last summer on Cigarette Smoking Should Not Be the canal. History? He looked at the waterway as a place full of Cigarette Smoking Not Be Banned fantastic details, and his photos prove it. I couldn’t wait to see his exhibit – no surprise, it’s great. My own photographic take on the Gowanus Canal can be seen at: Your story came into my life not in the usual manor. History Of Amazon.com? Just like the images themselves. Of A Essay? Great art! Canada and The Times: The Faraway Nearby. Canada and history, The Times: The Faraway Nearby.

Credit Gar Lunney/The Rudolph P. Bratty Family Collection, Ryerson Image Center. Canada and The Times: The Faraway Nearby. Telling the Tales of Trees Around the World. Telling the Tales of Trees Around the micropropagation of banana Essay, World. Credit Diane Cook/Len Jenshel. Telling the history of amazon.com, Tales of Trees Around the World. Weegee: King of the Nighttime Streets. Weegee: King of the Nighttime Streets.

Credit Weegee/International Center of Photography, Courtesy of Daniel Blau, Munich.