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Robert is an information management professional with 16 years of experience. He specializes in Oracle Database Administration and in essay investigator Oracle Applications installations and upgrades from postdoc cover biology, versions 9.4.2 through 11i Release 10.2. In addition, he excels in database and importance of review of related literature in thesis application tuning. His skill set includes Oracle DBA and Oracle Applications DBA. · Served as an Oracle Applications DBA at 25 different clients since May 1996. Responsible for installation, upgrades, patches, TAR support, database tuning, concurrent manager administration, cloning and postdoc cover Oracle Apps SYSADMIN functions. Duties included database creation, database tuning/reorganization, SQL statement tuning, backup/recovery, general troubleshooting, fire fighting, developer/integrator relations, script development, documentation and DBA training.
Specific Oracle Applications modules installed include AP, GL, AR, FA, PO, PA, QA, INV, OE/ONT, CM, HR/Payroll, BOM, MRP, WIP, BIS, FII, I Procurement and OPM. Features? · Completed 2 12.0.6 to postdoc cover letter biology, 12.1.1 upgrades. · Installed 12.0.4/12.0.6 at two clients, one of essay gilded lily which is postdoc cover letter biology, live, second goes live 1-Jul-09. · Provided patching support for 188.8.131.52 in 18 foreign languages, live on gilded 9 languages. · Installed 11.5.10, including Financials, Purchasing and Public Sector Financials. Upgraded 11.5.9 to postdoc cover letter biology, 11.5.10. · Applied Supply Chain Management Family Pack J (11.5.10), which includes the PO and features of a good descriptive OPM modules. · Migrated from a 11.5.9 Windows/Unix environment to 11.5.9 Linux. · Patched 11.5.9 RAC installation, including Financials and OPM modules. · Installed and postdoc letter patched four 11.5.9 instances, including 9 foreign languages and Discoverer 4.1.48.06. · Upgraded and supported multi-country, multi-language 11.5.8 to 11.5.9 installation of virtually all financial and discrete manufacturing modules, including DP, ASCP, Call Center and Email Center. · Performed 11.0.3 to 11.5.8 upgrade with migration from HP-UX to Linux Suse 7 SLES. Essay? · Oracle 11i experience includes, 11.5.5 install and upgrade to 11.5.7 with the Forms, and Web Server running on postdoc Windows 2000/NT and the Database, Reports and Concurrent Mangers on a second Windows 2000 node. Ran 3 instances on paragraph school a two-node configuration. Also performed an postdoc letter 11.5.7 install. · Oracle 11i experience includes, 11.5.5 install and upgrade to 11.5.6 with the Admin, Forms, Reports and Web Server running on investigator Windows 2000/NT and postdoc the database on of review an IBM AIX node. · Oracle 11i experience includes, 10.7 to 11.5.5 upgrade on cover IBM AIX. This is a 130Gig, heavily customized installation, including modules GL, AP, AR, FA, PO, HR/Payroll and eveline thesis OPM. · Oracle 11i experience includes, 4 months installing and cover letter patching 5 instances of 11.5.4 on a Compaq Tru64 node, supporting 2 developers, 3 functional consultants and 50 users, implementing GL, AP, FA, INV, BOM, MRP, WIP, PO and I Procurement. Developed automated process for nightly cloning of the Production 11i instance. · Oracle 11i experience includes, installing 11.5.2 and then upgrading to 11.5.3, 4 instances run on 3 IBM AIX nodes. · Served as Lead DBA, managing 4 other DBAs and features descriptive 25 instances on 7 different nodes with 215 remote locations spread across the country. Postdoc Biology? · Performed DBA services on a 7x24 Baan Financials and Manufacturing worldwide installation. Performed over 2 dozen restores and time-based recoveries. Concurrently managed 7 Baan instances, 5 Oracle HR/Payroll on AIX and 6 custom Internet instances running on Windows NT. · Served as Technical Project Manager on 200G heavily customized Oracle Financials Database upgrade from 9.4.2 to 10.7. · Performed numerous Oracle Database and importance of related literature in thesis Tools upgrades from postdoc cover, RDBMS version 5 through 184.108.40.206. · Performed numerous application and essayist on ears database tuning assignments on Oracle Applications, legacy, custom and third party systems. Letter? DRS Optronics (High Tech Manufacturing) 05/08 – 6/09 Oracle Apps 12.0.6 Installation. 11/05 – 6/09 Oracle Apps 11.5.9 Support/Prod Support.
09/08 – 05/09 Discoverer Installation. Of Related Literature In Thesis? Linvatec (Medical Equipment) 12/07 – 6/09 Oracle Apps 220.127.116.11 Patching Support, 18 languages. 03/08 – 4/09 Oracle OnDemand 12.0.4 Install. Postdoc? Metro Wastewater (Water Treatment) 11/05 – 12/05 11.5.9 Windows/Unix toLinux migration. Importance Of Related Literature In Thesis? Sabritec /SmithsInterconnect ( Defense ) 01/05 – 10/05 Oracle Hosted – Oracle Apps 11.5.10 Install. Lorain County ( County Government) 12/04 – 11/05 Oracle Apps 11.5.10 Install, Support. Flight Options ( Airplane Leasing ) 06/04 – 11/05 Oracle Apps DBA/System Administrator 11.5.9 Install. Monona Wire Company (Wire Manufacturing ) 05/04 – 12/05 Oracle Apps 11.0.3 – Production Support.
Pepsi Bottling Group. 04/05 – 07/05 Performed 11.5.9 to postdoc letter biology, 11.5.10 upgrade. 09/04 – 09/04 Conducted training on 11.5.9 cloning. Lake County ( County Governement ) 05/04 – 11/04 Oracle Apps Installation – Tuning. Essay? 06/04 – 12/04 Oracle Apps 11.5.9 Install support including OPM. Kinetic Concepts( Healtcare Manufacturing ) 03/04 Oracle Apps Installation. 10/03 – 01/04 `Oracle DBA Support. Garmin International (High Tech Manufacturing) 04/03 – 08/03 Oracle Apps Installation and Upgrade.
Talla-Com ( Defense – Communications ) 10/02 – 04/03 Oracle Apps Upgrade. Mems Optical ( High Tech Manufacturing ) 07/02 – 10/02 Oracle Apps Installation. Citrix Systems ( Computer Systems ) 09/02 Oracle Apps Install. Univ of Akron ( College of postdoc biology Business Admin ) 08/02 Oracle Apps Installation. Corporate Systems ( Insurance ) 04/02 Oracle Apps Installation. Helena Chemical ( Fertilizer ) 02/02 – 04/02 Oracle Apps Upgrade.
Tropic Networks ( Networking Equip ) 10/01 – 01/02 Oracle Apps Installation. Kulicke and Soffa ( Semiconductor Equip ) 09/00 – 05/01 Oracle Apps Install, Baan DBA Support. Hallmark ( Greeting Cards ) 08/00 – 09/00 Custom Application Performance Tuning. Helena Chemical ( Fertilizer ) 03/00 – 06/00 Platform Migration. 10/98 – 10/99 Oracle Apps Install. Cable Systems Group ( Billing ) 10/99 – 03/00 Oracle Apps Upgrade. 09/98 – 10/98 Oracle Apps Upgrade.
12/96 – 06/97 Oracle Apps Install. Essay Gilded? Lancer Label ( Labeling ) 10/99 Oracle Apps Installation Audit. Lockheed Martin ( Defense ) 09/99 – 11/99 Custom Oracle Development. 08/97 – 11/98 Custom Oracle Development. First Data Resource ( Credit Card Processing ) 04/98 – 05/98 Oracle Apps Production Upgrade. 04/97 – 08/97 Oracle Apps Development Upgrade. Cover Letter? Metrobeat ( Entertainment Website ) 05/96 – 10/97 Remote DBA Support.
Missouri Employers ( Insurance ) 07/97 Oracle Apps Upgrade. Essay Gilded Lily? Augsburg Fortress ( Publishing ) 06/97 – 07/97 Oracle Apps Install. Cover? American Tools ( Hand Tools ) 02/97,05/97,09/97 Oracle Apps Tuning. ATI ( Automatic Tellers ) 03/97 Oracle Apps Installation Audit. 01/97 Oracle Apps Upgrade. Smith Industries ( Defense ) 11/96 Oracle Apps Upgrade.
Williams Pipeline ( Gas Pipeline ) 10/96 Oracle Apps Upgrade. British Petroleum ( Refinery ) 09/96 Oracle Apps Install. Southwestern Bell ( Telecom ) 06/96 – 08/96 Oracle Apps Install. · Oracle Database Administrator for a startup Insurance company for 1 year. Established best practices and best procedures for database administration. Responsible for Software life-cycle support to include migration of eveline essay all custom application changes through four different instances to production. Responsible for data integrity, data security. Also responsible for all installations and upgrades of ORACLE Financial systems, including ORACLE General Ledger and Accounts Payable, ORACLE*Forms 4.0 and 4.5, Pro*C, ORACLE*Designer 2000, ORACLE*Reportwriter and ORACLE Browser. Letter Biology? Served as Oracle Financials System Administrator and a chapter Developer. Also served as the Assistant UNIX System Administrator. · Programmer/Analyst Specialist in postdoc the ORACLE Development Group for 5 years for essay want crime, a major defense contractor. Served as a full life cycle ORACLE Developer, from problem recognition through development, maintenance and documentation to application shutdown, with major emphasis on cover biology End User Support and Dataflow Automation. Was concurrently responsible for 36 separate applications, spread across a dozen different management organizations.
Major application areas included Configuration Management, Data Management, Manufacturing Engineering, and Quality Product Records. Interfaced with other software packages including Project/2 Schedule Manager and DI-3000 Graphics Package. Designed and implemented standards for UNIX-based ORACLE systems. Eveline Thesis? Trained ORACLE Developers and End Users. Cover? · Served as a Combat Systems Analyst in Mission Analysis for eveline thesis, 3 years at a major defense contractor. Cover? Conducted computer-assisted analysis on a chapter on ears various weapon systems in all areas of modern combat. This includes scenario development through result presentation. Code work included writing, modifying, debugging, documenting, and training new individuals on postdoc letter large-scale computer models, in Fortran, Pascal, C and essay gilded Basic. Cover? · While serving as a Lieutenant in a chapter on ears United States Naval Reserve, served as the postdoc, Administration Officer, responsible for essay school, the administrative needs of a unit of postdoc cover 130 men, leading a division of 24 men. As the Executive Officer for a reserve unit, was responsible for training, administration, leadership and management of 35 men from five prompts school, 10 different specialty areas. Postdoc Letter Biology? As the Officer/Enlisted Training Coordinator, organized and tracked the training for 14 officers and 22 enlisted men. While on five paragraph essay high Active Duty, held various assignments including Asst. Cover Biology? Operations Officer, Combat Information Center Officer and Deck Officer.
Linux Redhat , UNIX IBM RS/6000 AIX 5.2, HP-UX, SuSe 7 SLES, Sun Solaris, Compaq Tru64, D EC UNIX/VMS, Windows 2000. Oracle Applications versions 9.4.2 through 12.1.1, Oracle Database v5/6/7/8/8i/9i/10gR2,18.104.22.168, SQL*Forms, SQL*PLUS, PL/SQL, SQR, ORACLE*Reportwriter, PVCS, PMCS, Oracle FailSafe, SQL Backtrack, RMAN, OEM, UNIX shell scripts, SQLNet, MKS Toolkit. Essayist A Chapter? B.A., Mathematics ; University of Texas; Austin, TX. Graduate work in Computer Science. Certified Computer Professional Specializing in Business Information Systems and cover biology Data Resource Management.
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Modern Love College Essay Contest. We’re inviting college students nationwide to open their hearts and postdoc, laptops and write an essay that tells the truth about what love is like for them today. Related Article. In early February we asked college students nationwide to send us their personal stories of modern love. Six weeks later, nearly 1800 students from 489 colleges and universities nationwide had answered our call. We are pleased to feature the essay gilded writing of the winner and four finalists in the Modern Love column during May, with honorable mention essays also appearing in coming months. A book of postdoc letter, collected columns — “Modern Love: 50 True and Extraordinary Tales of Desire, Deceit and Devotion” — is available in paperback and e-book at online booksellers. Leading off is our winning entry by Jordana Narin, a sophomore at Columbia University.
Many writers explored how they avoid labeling relationships (or even talking about what the relationship is) because doing so may lead to want crime expectations and responsibilities that feel constricting. But for some this avoidance can have troubling consequences, as Ms. Narin’s essay eloquently illustrates. Subjects tackled by other top finishers cover a broad range, from asexuality to postdoc Tinder matches and from hooking up to purity pledges. Congratulations to Ms. Narin and our other winners, and essay crime scene investigator, thank you to all who participated. — Daniel Jones. Columbia University in the City of New York.
New York, NY, Class of 2017. Fashion Institute of Technology. New York, NY, Class of 2016. North Central College. Naperville, IL, Class of 2016. Santa Monica College - SMC (Official) Los Angeles, CA, Class of postdoc letter, 2017 (after transfer to university) Colorado State University. Fort Collins, CO, Class of 2016. New York, NY, Class of 2018.
Ithaca, NY, Class of prompts high, 2015. New Haven, CT, Class of 2017. Amherst, MA, Class of 2015. New York University, New York, NY, Class of 2015. Previous Finalists’ Essays The 10 Best Modern Love Columns Ever » View all Modern Love columns » Even in postdoc cover letter biology Real Life There Were Screens Between Us. Eating the of review in thesis Forbidden Ham Sandwich. A Love for the Ages, but Which One?
Stuck at the Border Between the Sexes. Want to postdoc cover Be My Boyfriend? Please Define. Instant Message, Instant Girlfriend. My Dropout Boyfriend Kept Dropping In. Let’s Not Get to Know Each Other Better. The New York Times Modern Love College Essay Contest. NO PURCHASE NECESSARY. Essay Thesis! A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. The “Sponsor” is The New York Times Company, 620 8th Avenue, New York, NY 10018.
The New York Times Modern Love College Essay Contest (“the Contest”) is a skillbased competition in postdoc letter biology which participants will compete to essay be selected as author of the top essay, as selected by Sponsor. The author of the cover letter winning entry will be awarded $1,000.00 and his/her top essay will be published in features of a The New York Times Sunday Styles section and on postdoc letter biology, nytimes.com. Participants will be invited to submit essays, which will be voted on and rated by Sponsor. The Contest begins at 10:00 AM Eastern on Friday, February 6, 2015 and ends at 11:59 PM Eastern on Sunday, March 15, 2015. The Contest will be conducted in two phases. During the first phase of the gilded lily Contest (Phase One) contestants will be invited to submit their essays. The deadline for essay submissions is 11:59 PM Eastern on postdoc, Sunday, March 15, 2015. During the second phase of the Contest (Phase Two) the submissions will be voted on prompts, and rated by the Judge.
The voting will begin at 10:00 AM Eastern on Monday, March 16, 2015 and end at 11:59 PM Eastern on letter, Monday, April 13, 2015. Daniel Jones, Editor, Modern Love, will serve as judge (“Judge”). Judge will select the Winner (as defined below) based on talent, writing ability, style, creativity and originality of entry. Deciding factors may include clear composition and eveline essay thesis, relevant subject matter. The essay selected by postdoc Judge as the top essay will be the paragraph essay high grand prize winner (“Winner”). Whether any essay is eligible at any stage shall be at Sponsor’s sole and absolute discretion at all times, including, without limitation, whether any such essay meets Sponsor’s standards of overall quality, as such quality standards are determined by Sponsor, in its sole and absolute discretion.
The name of the Winner will be published on or around May 3, 2015 in The New York Times Sunday Styles section and on nytimes.com. Postdoc Cover Letter Biology! Odds of essay, winning depend on the number of eligible entries received. As a condition of Contest entry, each Contest Entrant (as defined below) acknowledges and agrees that: (a) Sponsor has access to postdoc letter biology and/or may create or have created literary, visual and/or other materials, ideas and concepts which may be similar or identical to the Contest Entry Materials in theme and/or other respects; (b) the Contest Entrant will not be entitled to literature in thesis any compensation or other consideration because of the use by postdoc letter Sponsor of any such similar or identical material, ideas and/or concepts; and (c) Sponsor’s use of material containing elements similar to or identical with those contained in of related literature the Contest Entry Materials or any essay shall not obligate Sponsor to cover letter negotiate with nor entitle Contest Entrant to any compensation or other claim. Potential Winner will be tallied by or about Monday, April 13, 2015. Essayist On Ears! Potential Winner will be sent his/her prize-winning notification via electronic mail (e-mail) or by phone. A potential Winner has seven (7) days from receipt of notification to claim his/her prize by responding via electronic mail (e-mail) or an alternate Winner will be selected.
Noncompliance with these official rules or, if a selected potential Winner cannot be contacted, provides incorrect e-mail or mailing address, is letter biology, ineligible, fails to claim a prize or if the prize notification or prize is returned as undeliverable, an alternate Winner will be selected. Essayist! Acceptance of a prize constitutes permission for Sponsor to use Winner's essay, name and likeness for advertising and promotional purposes without compensation, unless otherwise prohibited by law. This Contest is open to legal residents of the 50 United States ([including] D.C.) who are current undergraduate students at least 18 years of age and older, residing in the United States and enrolled in an American college or university. Employees and agents of Sponsor, its affiliates, subsidiaries, advertising and promotion agencies, any other prize sponsor, and any entity involved in cover the development, production, implementation, administration or fulfillment of the Contest and essayist, their immediate family members and/or close personal friends and/or those living in the same household of such persons, whether related or not, are not eligible to enter the Contest. Employees, officers and letter biology, directors of Sponsor (including Sponsor’s parent company, The New York Times Company (“NYTCO”)), their respective affiliates, subsidiaries, distributors, advertising, promotion, fulfillment and marketing agencies, their immediate families, (defined as spouse, child, sibling, parent, or grandparent) and those living in their same households are NOT eligible to participate in a chapter on ears the Promotion. Each Winner will be required to execute a declaration of eligibility and liability release attesting that the Winner has complied with all the cover letter biology rules and that the Winner releases Sponsor(s) and all prize-supplier companies from five essay prompts all liability for damages or personal injury in cover biology connection with the Winner's use of the of review in thesis prize, and a publicity release consenting that the Sponsor and anyone they may authorize may, without compensation, use Winner's name, essay, photograph or other likeness, biographical information and statements concerning the Contest or the cover biology Sponsor for purposes of advertising and promotion.
Any individual wishing to compete in the Contest must submit an essay of no more than 1700 words illustrating the current state of love and relationships, to five paragraph high firstname.lastname@example.org (participants submitting essays are referred to as “Contest Entrants”). Submissions must include: Contest Entrant’s essay and contact information, including name, college or university name, home address, e-mail address and phone number. Each Contest Entrant may submit one essay during the Contest (an “Essay”). Biology! Essays must be received no later than 11:59 PM Eastern on Sunday, March 15, 2015. Any elements appearing in gilded submitted Essays must be entirely original, created by Contest Entrant, and must not have been altered in any way from the original.
Submitted Essays must not have been previously published nor can they be professional essays, or essays copied from the cover letter biology Internet. Use of thesis, any elements or other materials that are not original, or in the public domain may result in disqualification of Essay in Sponsor’s sole discretion. By entering, Contest Entrants accept and agree to cover letter biology be bound by these Official Rules, including the decisions of the Sponsor, which are final and binding in all respects. Limit one (1) entry per Contest Entrant and per email address. Any individual who attempts to enter, or in the sole discretion of Sponsor is suspected of importance literature in thesis, entering more than once, by any means, including but not limited to submitting multiple Essays, will be disqualified from the Contest. In addition Sponsor reserves the right to reject any submission without explanation. As conditions of entry into the Contest, each Contest Entrant: WARRANTS AND REPRESENTS THAT THE CONTEST ENTRANT OWNS ALL RIGHTS TO THE ESSAY HE/SHE IS SUBMITTING (COLLECTIVELY, THE “CONTEST ENTRY MATERIALS”). WARRANTS AND REPRESENTS THAT THE CONTEST ENTRANT HAS OBTAINED PERMISSION FROM EACH PERSON WHO APPEARS IN THE CONTEST ENTRY MATERIALS TO GRANT THE RIGHTS TO THE SPONSOR DESCRIBED IN THESE RULES, AND CAN MAKE SUCH PERMISSIONS AVAILABLE TO SPONSOR UPON REQUEST. WARRANTS AND REPRESENTS THAT HIS/HER CONTEST ENTRY MATERIALS ARE ORIGINAL AND HAVE BEEN LEGALLY OBTAINED AND CREATED, AND DO NOT INFRINGE THE INTELLECTUAL PROPERTY RIGHTS OR ANY OTHER LEGAL OR MORAL RIGHTS OF ANY THIRD PARTY.
Irrevocably grants to Sponsor and postdoc biology, its affiliates, legal representatives, assigns, agents and licensees, the worldwide, royalty-free, non-exclusive, sub licensable, unconditional, perpetual and transferable right and essayist a chapter, license to copyright (only as applicable), reproduce, encode, store, modify, copy, transmit, publish, post, broadcast, display, edit for biology, length and content, publicly perform, adapt, exhibit and/or otherwise use or reuse (without limitation as to when or to the number of times used), the Contest Entrant’s name, address, image, likeness, statements, biographical material and Contest Entry Materials, including, but not limited to, the Essays contained in any of the above items, as well as any additional photographic images and other materials relating to essay prompts high the Contest Entrant and postdoc cover letter, arising out of his/her participation in this Contest (with or without using the Contest Entrant’s name) (collectively, the “Additional Materials”) (in each case, as submitted or as edited/modified in any way, whether by the Sponsor, its Licensees, or assigns, in the Sponsor’s sole discretion) in want crime investigator any media throughout the world for any purpose, without limitation, and without additional review, compensation, or approval from the Contest Entrant or any other party. Postdoc Letter! Irrevocably grants to Sponsor and its affiliates, legal representatives, assigns, agents and licensees, the worldwide, royalty-free, non-exclusive, sub licensable, unconditional, perpetual and transferable right and license to use the Contest Entry Materials for advertising, promotional or commercial purposes, including without limitation, the right to publicly display, reproduce and distribute the Contest Entry Materials in any media format or medium and through any media channels. Contest Entrant’s name, essay and city of residence may be published on any NYTCO-owned website. Forever waives any rights of privacy, intellectual property rights, and any other legal or moral rights that may preclude Sponsor’s use of the Contest Entrant’s Contest Entry Materials or Additional Materials, or require the Contest Entrant’s permission for Sponsor to use them for promotional purposes, and importance of related, agrees to never sue or assert any claim against the Sponsor’s use of those Materials. Acknowledges and agrees that: (a) Sponsor has access to and/or may create or have created literary, visual and/or materials, ideas and concepts which may be similar or identical to the Contest Entry Materials in theme and/or other respects; (b) the Contest Entrant will not be entitled to cover letter biology any compensation or other consideration because of the essayist on ears use by cover letter Sponsor of any such similar or identical material, ideas and/or concepts; and of a good, (c) Sponsor’s use of material containing elements similar to or identical with those contained in the Contest Entry Materials or any Essay shall not obligate Sponsor to biology negotiate with nor entitle Entrant to any compensation or other claim. Agrees to indemnify and hold the Sponsor and its affiliates, officers, directors, agents, co-branders or other partners, and any of their employees (collectively, the “Promotion Indemnitees”), harmless from any and essay want scene investigator, all claims, damages, expenses, costs (including reasonable attorneys’ fees) and liabilities (including settlements), brought or asserted by any third party against any of the Promotion Indemnitees arising out of or in connection with: (a) any Contest Entry Materials or Additional Materials (including, but not limited to, any and all claims of third parties, whether or not groundless, based on postdoc letter biology, the submission of such other material); (b) any breach by Contest Entrant of any warranty, agreement or representation contained in the Official Rules or terms of service or in any documentation submitted by good Contest Entrant; (c) the postdoc letter biology Contest Entrant’s conduct during and in connection with this Contest, including but not limited to five essay prompts high trademark, copyright, or other intellectual property rights, right of publicity, right of privacy or defamation; or (d) the acceptance of any prize. All entries become the property of Sponsor and will not be acknowledged or returned. At any time during the Contest, Sponsor reserves the postdoc letter biology right, in its sole and unfettered discretion, to disqualify and eveline, remove any Essay that it believes does not meet the postdoc cover letter spirit or requirements of the Official Rules.
The decisions of the importance in thesis Sponsor on this and all matter relating to biology the Contest are final and binding. Entries will be rated from March 16, 2015 to of review in thesis April 13, 2015. Cover Letter! Daniel Jones, Editor, Modern Love, will serve as judge (“Judge”). Judge will select the Winner based on talent, writing ability, style, creativity and essay want scene investigator, originality of cover letter, entry. Deciding factors may include clear composition and relevant subject matter. The essay selected by Judge as the best essay will be the grand prize winner (“Winner”). The author of the Essay selected by Judge as the top essay will receive $1,000.00 and his/her top essay will be published in The New York Times Sunday Styles section and on nytimes.com.
Estimated value of first place prize and a chapter on ears, the total prize package is $1,000.00. Four runners-up will also be selected. Select runners-up may also have their essays published in print and/or on nytimes.com. If Winner is unable to fulfill prize during time period specified, Winner forfeits the prize package. Winner must be 18 years of postdoc, age or older. Prizes are non-transferable and shall be deemed to have no cash value. Features Essay! All unclaimed and/or unused prize packages may not be used as sales or trade incentives for biology, employees of Sponsor, their agencies or clients. No prize substitution is permitted, except by Sponsor, which reserves the right to essay investigator substitute any prize of equal or comparable value including cash in the event of prize unavailability.
Prizes are non-transferable. Prize consists of only the item specifically listed above. No substitution or transfer of prize is permitted, except that Sponsor reserves the right to letter substitute a prize of equal or greater value in the event that an offered prize is unavailable. All federal, state and local taxes on prizes are the sole responsibility of the Winner. Contest Entrant acknowledges and agrees that as a condition of of a good essay, being awarded a prize, Winner must sign and return, within seven (7) days following attempted notification, a standard release form. Noncompliance within this time period may result in disqualification and an alternate Winner may be selected.
Sponsor and its officers, directors, affiliates, related entities, partners, partnerships, principals, representatives, agents, licensees, sponsors, successors and postdoc letter, assigns: (a) make no warranty, guaranty or representation of any kind concerning any prize; (b) disclaim any implied warranty; and (c) are not liable for injury, loss, or damage of importance of review of related literature in thesis, any kind resulting from the biology acceptance or use of any prize, travel related thereto or from participation in this Contest. If any activity relating to any prize is canceled or postponed for any reason, the balance of that prize will be awarded in full satisfaction of eveline, prize award. All taxes, fees and surcharges on prizes won are the sole responsibility of the Winner. The Contest is governed by and subject to the laws of the United States. All federal, state and local laws and regulations apply. Void where prohibited by postdoc cover law. Essay Thesis! All Winners will receive an IRS 1099 for the value of their prizes. Postdoc Cover Letter! By participating in of review literature the Contest and/or accepting any prize, Contest Entrants grant permission to cover biology Sponsor and essay thesis, its advertising and postdoc, promotion agencies to use their name(s), likeness(es), essays and essay want investigator, any other material submitted in connection with the Contest for purposes of advertising, publicity and promotion purposes, without further compensation to Contest Entrant, unless prohibited by postdoc biology law. By entering, the five essay high Contest Entrants agree to postdoc be bound by the Official Rules and the decisions of the Sponsor, which are final and crime investigator, binding on all matters relating to the Contest. Sponsor is not responsible for biology, any typographical or other errors in the printing of the offer, administration of the features of a essay Contest or the letter announcement of the prizes, or for lost, late, misdirected, damaged, incomplete or illegal entries.
Sponsor reserves the right at its sole discretion to thesis disqualify the postdoc cover letter biology Contest Entry of any individual found to eveline essay be: (a) tampering or attempting to tamper with the entry process or the operation of the Contest or any Sponsor website; (b) violating the Official Rules; (c) violating the postdoc cover biology terms of service, conditions of use and/or general rules or guidelines of essay, any Sponsor property or service; or (d) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Further, Sponsor reserves the cover letter biology right to disqualify any entry which, in eveline Sponsor’s sole opinion, is deemed to be offensive, libelous, slanderous, inflammatory, or otherwise inappropriate in postdoc cover letter any way for this Contest. CAUTION ANY ATTEMPT BY A CONTEST ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor assumes no responsibility for any computer, online, telephone transmission or technical malfunctions that may occur during participation in the Contest (including, without limitation, the eveline thesis voting phases of the Contest), or theft, destruction or unauthorized access to, or alteration of, Contest Entry Materials.
Sponsor is not responsible for any incorrect or inaccurate information, whether caused by biology website users, Contest Entrants, or any of the equipment or programming associated with or utilized in the Contest, or for any technical or human error which may occur in the processing of submissions or votes in essay scene the Contest. Letter Biology! Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation of transmission, failures or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, email, players or browsers, whether on account of technical problems, traffic congestion on the Internet or at essay want, any website, or on account of any combination of the postdoc foregoing (including but not limited to any such problems which may result in the inability to access the Contest website or to submit Contest Entry Materials in connection with the Contest). Sponsor is not responsible for any injury or damage to participants or to any computer related to or resulting from participating or downloading materials in this Contest. If, for any reason, the of review of related literature in thesis Contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the postdoc cover control of Sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of want crime investigator, this Contest, Sponsor reserves the right at its sole discretion to postdoc cover cancel, terminate, modify or suspend the Contest and select Winners from among that portion of the Contest that has not been compromised, if any. Sponsor reserves the right to cancel this Contest at any time without obligation or prior notice. Except where prohibited, as a condition of a chapter on ears, participating in this Contest, Contest Entrants agree that any and all disputes which cannot be resolved between the parties, claims and causes of action arising out of or connected with this Contest, any prize awarded, or the determination of Winners shall be resolved individually, without resort to any form of class action.
The New York Times Modern Love College Essay Contest, 620 8th Avenue, New York, NY 10018. Requests received after June 1, 2015 may not be honored.
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adolescent essay adolescence adolescent - formation pour Infirmier de Secteur Psychiatrique - cours de Mr Giffard - I l n'y a pas si longtemps, l'adolescence n'tait pas reconnue par la collectivit. Biology! C'tait un tat individuel, de mme que le troisime ge . Five Paragraph Essay High School! Aprs la seconde guerre mondiale, et particulirement dans les cultures occidentales, l' adolescence est devenue phnomne de socit. Cover Letter Biology! C'est un tat la fois enfantin et srieux. La provocation de la part des adultes est apparue chez les artistes avant et pendant la seconde guerre mondiale (romantisme, dadasme. Five Paragraph High! ), revendication contre toutes les institutions de la socit (famille, tat, glise, arme, cole). A partir de 1950, les adolescents reprennent leur compte toutes ces revendications, tous ces tats d'me. Letter! En 1960, mergence de la musique pour les exprimer. Essay Thesis! En 1970, en plus de la musique, l'opposition au monde adulte s'exprime par la politisation (concerts de soutien ou de protestation, chanteurs engags politiquement). Letter! 1980, accs gnralis aux drogues que l'on partage pendant les concerts ou avant les manifestations. 1990: le refus des habitudes familiales s'exprimera travers un comportement diffrent, par exemple au niveau des conduites alimentaires ou de l'habillement.
Entre 2000 et 2010, la grande incertitude face au chmage, la difficult de se loger, ainsi qu'une moindre protection de la part des familles ou de la socit des adultes les conduisent recrer leur monde virtuel autant pour s'isoler de ceux-ci (jeux vido, ordinateurs) que pour se retrouver entre eux (Internet, tlphone portable). Essayist On Ears! Les adolescents deviennent par ce biais dpendants de la technique et des mdias. Chez la fille : dveloppement des seins, de l'appareil gnital. Postdoc Biology! Prise de poids. Premires rgles. Essay Crime Scene! En 1940, les premires rgles chez les europennes venaient vers 17 ans. Postdoc Cover Letter! Actuellement, l'ge moyen est vers 12 ans et 6 mois, car les conditions de vie sont plus confortables et les adolescentes s'affirment plus tt; Chez le garon : premires pollutions nocturnes, mue de la voix, pilosit, croissance osseuse et staturale; Chez les deux : re-modelage de l'image du corps , de faon continue.
Fixation sur l'aspect corporel extrieur: poque trs narcissique. Importance Literature In Thesis! Tendances diverses l'excs. Cover Letter Biology! Trs peu d'hygine. Essay Thesis! Grande instabilit. Durant les premires annes de vie, la pense du petit enfant tait magique. Postdoc Cover Letter! A la priode de latence il a acquis une logique concrte. Essay Gilded! Vers 12 ans, le jeune adolescent va pouvoir raisonner de faon dductive, posant des hypothses et rpondant dans l'abstrait. Cover Biology! Cela est dsormais possible grce la naissance de la pense formelle, ou hypottico-dductive . Essayist! Ayant acquis cette pense formelle, il en usera l'excs.
Il n'a pas besoin de l'exprience. Postdoc Cover Biology! C'est la priode o on essayist a chapter on ears, refait le monde, poque trs crative mais sans support dans la ralit. Il a acquis l'intellect adulte . Letter! On distinguera 3 phases. Phase d'opposition : chez la fille, elle survient entre 12 et 13 ans et chez le garon entre 12 et 15 ans. Essay Thesis! Elle commence par un effondrement total de tout l'acquis moral et social de la priode de latence. Cover Letter! C'est un mouvement rgressif au cours duquel l'adolescent est imprvisible, avec refus de tout ordre tabli, vols, provocations.
Il y a la fois l'incapacit domestiquer les dsirs, et la recherche du plaisir dans la transgression de l'interdit. Essay! On note aussi un mpris de tout ce qui reprsente l'ordre. Cover Biology! Ceci a pour but une certaine prise de conscience de soi . Essay! Priode du Je n'veux pas !; Phase d'affirmation du Moi : chez la fille entre 13 et 16 ans, et chez le garon entre 15 et 17 ans. Postdoc Biology! C'est une priode de revendication, de Je veux !, avec demande d'indpendance, de libert. Want Investigator! C'est l'poque du conflit des gnrations. Il y a laboration de systmes nouveaux et meilleurs pour la socit. Priode de l'adolescence o on letter biology, discute beaucoup. Of Related! Mgalomanie, affabulation, idalisation.
Gnrosit et gosme; Phase d'insertion : chez la fille entre 16 et 18 ans, et chez le garon entre 18 et 20 ans. Postdoc Biology! L'adolescent s' identifie l'adulte de faon stable, avec moins d'idalisation. Essay Gilded Lily! Il ralise son indpendance affective, et construit son indpendance conomique. Postdoc Cover Letter Biology! Il accepte rellement et sans ambivalence de se passer de ses parents. Cette phase d'insertion est facilite avec l' accs au travail , et les relations de couple . Importance Literature In Thesis! Elle est freine quand la prcarit ou le chmage s'installent. Il faut savoir que de plus en plus d'adolescents se retrouvent dsormais la rue, sans domicile fixe ( S.D.F. Postdoc Cover Letter! ) et sans travail rgulier: c'est un phnomne relativement nouveau, et qui prend de l'ampleur depuis le dbut du 21 me sicle. Features Of A Good Descriptive! Remaniement de la personnalit affective. Biology! Vis--vis des parents, l'adolescent doit effectuer le deuil des imago parentales . Thesis! Le travail de deuil est un processus qui permet de ne pas finir avec ce qui est mort. Cover! Il s'agit ici d'une rupture d'avec l'image que les parents reprsentent pour l'adolescent.
Ce processus se fait en plusieurs tapes. Essay Thesis! Tout commence avec le retour de ce qui a t refoul dans l'inconscient durant la latence, c'est dire les pulsions infantiles . Postdoc! Ce retour est massif et incontrlable pour l'adolescent, faisant chouer le Moi dans ses tentatives d'quilibre. Essay Gilded! Il est anxieux, dprim, dpressif , inhib. Letter! Il fait des actes antisociaux . Essayist A Chapter On Ears! L'aspect dfensif ne russit pas retenir l'aspect motionnel. Le ct oral se traduit par de la boulimie, de l'anorexie, et de l'avidit sur tous les plans. Postdoc Cover Letter! Les pulsions anales reviennent travers l'agressivit, le non !, modifiant tous ses rapports avec l'ordre, le pouvoir. Retour aussi des pulsions phalliques et oedipiennes , se traduisant par une crise d'originalit autant physique que mentale. Of Review Literature In Thesis! Ractivation des pulsions oedipiennes vis--vis des parents, crant des sentiments de honte des parents , afin d'viter la pulsion par une attitude inverse.
Critique de ce que sont les parents. Postdoc Biology! Plus il se sent dpendant d'eux, plus il sera agressif vis--vis d'eux. Essay Crime! Les parents ne peuvent rien pour l'aider car c'est leur prsence-mme qui cre le conflit. Cover Letter! L'adolescent labore un roman familial: il existe deux couples de parents, l'un riche, noble, puissant et protecteur, assimil des divinits. Gilded Lily! Ce sont les parents du pass, idaliss par l'enfant. Postdoc Letter Biology! L'autre couple est humble, commun, soumis aux limites quotidiennes. Ce sont les parents dcouverts par l'adolescent. Ces 2 couples de parents s'affrontent dans l'imaginaire de l'adolescent. Of Review Of Related Literature! Il brode donc un roman familial dans lequel il retrouvera ses droits et privilges. Letter! Cela rvle le processus rgressif vers la relation rassurante des premiers temps de l'enfance et le processus progressif qui permet d'accepter la ralit. Essay! Fantasme de changement de rle : l'adolescent veut prendre la place d'un de ses parents en usurpant les droits de l'adulte.
Il est adulte la place du pre ou de la mre. Letter! Il juge ses parents, les conseille, les infantilise. Essayist A Chapter On Ears! Ceci est une condition pour devenir adulte . Cover! L'adolescent s'identifie ainsi des images de parents murs. Essay! Les tapes de la gnitalisation (l'accession la sexualit adulte) La relation Objectale va se focaliser sur des Objets successifs qui vont permettre l'adolescent d'accder la sexualit adulte.
Phase d'homosexualit de groupe : la bande, gnralement unisexue est constitue d'individus semblables. Cover Letter! Il y aura plusieurs types de bandes selon le milieu culturel de l'adolescent. Plus le milieu est favoris, plus la bande est atypique (sans caractristiques). Essayist A Chapter On Ears! Les bandes sociales sont trs structures, et on postdoc biology, y rentre difficilement. Of A Essay! Les membres ont alors les mmes idoles, les mmes costumes. Postdoc Cover Letter! Le but de ces bandes est d'viter la solitude, de s'identifier par rapport un modle, une norme, et de prendre en charge les dsirs de l'individu.
Chaque membre du groupe y trouve scurit et revalorisation. Of A Descriptive! Elle permet aussi l'adolescent d'viter la confrontation l'autre sexe; Phase d'homosexualit individuelle : la bande ne suffit plus. Letter Biology! L'adolescent va chercher un ami, un confident. Lily! Le choix est trs narcissique, fait d'idalisation et d'admiration. Cover Biology! On se raconte tout vis--vis de la famille, de l'cole.
Amitis trs passionnes, trs brusques, pouvant s'arrter aussi brusquement. Gilded! Dans cette phase il peut y avoir exprience homosexuelle vritable et transitoire, comme phnomne d'adaptation faisant le lien entre les parents oedipiens et le choix htrosexuel. Postdoc Cover Biology! Notons aussi l'existence de rites, de complicits; Phase transitoire dpressive : la bande ne suffit pas et mme l'ami intime ne peut pas comprendre. Essayist A Chapter! L'adolescent est en proie la mlancolie . Postdoc Biology! La vie est un supplice. Tout est injustice. Features Of A Good! La perte des parents est trop forte: la bande et les copains ne suffisent pas. Postdoc Cover Letter! Vide mtaphysique. Importance Of Review Of Related Literature! Cration du journal intime dans lequel il transmet son abandon. Postdoc Letter! C'est un mlange d'gocentrisme aigu et de constant dvouement pour l'humanit. Importance Literature! Ce qui va permettre d'en sortir seront les premires manifestations d'htrosexualit ; Phase htrosexuelle : on se met avoir une certaine curiosit vis--vis de l'autre sexe.
On s'pie, on cover letter, s'auto-observe. L'autre sexe est la fois dnigr et idalis. Essay High! Cette htrosexualit est d'abord polygame, avec nombreux flirts. Postdoc Biology! C'est le moment o les bandes se mixent, et c'est le temps des grandes passions, des grandes dsillusions. Essay Want Crime Scene Investigator! Hmorragie des sentiments. Biology! Processus de cour: l'adolescent devient coquet, spirituel. Les flirts se succdent, avec de grandes priodes de jalousie et d'admiration. Five School! Petit petit, l'htrosexualit devient monogame, les Objets affectifs deviennent stables jusqu' la formation du couple . Cover Letter! Ds lors l'adolescent peut faire des projets.
Il devient capable de faire concider l'amour romantique et l'amour sexuel. Gilded Lily! L'adolescence est la dernire 'chance' d'aborder les conflits de l'enfance et de les rsoudre de manire spontane. Postdoc Cover! Si ces mmes conflits survenaient par la suite, ce serait du domaine du pathologique . Crime Investigator! La personne s'y engluerait gravement. Postdoc Cover Letter Biology! D'ailleurs, la plupart des pathologies adultes closent l'adolescence. Lily! La structure de la personnalit se fait durant les 5 premires annes de la vie, mais on postdoc cover biology, peut la remanier l'adolescence le plus souvent tout seul, c'est dire avec l'environnement immdiat.
Sinon a s'croule l'adolescence (on parle alors de destructuration de la personnalit ) et le futur adulte aura besoin de l'aide de la sant publique, voire temporairement d'un environnement adapt.
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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 postdoc letter, the Form. Complete your Business Plan. Print and Download For Free.
Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Free Business Plan Template Download. Are you an entrepreneur looking to download a free business plan? If so, you have come to the right place. Legal Templates is happy to provide you with a hassle-free document downloads.
Click the importance of review of related in thesis, buttons below to download (1) a blank document, and (2) a document that is filled in for you to reference. Related Business Documents: Click to View. What’s included in the blank template: In the postdoc biology, 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. Eveline Essay! This chapter is cover letter biology, essentially your hook to convince potential financiers that your model is worthy of their investment. Chapter 2: Company and Financing: In this chapter, the goal is to outline the essayist on ears, 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 postdoc cover biology Services: This section describes what products and/or services your business will sell (now and in gilded, 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 Market Analysis: The customers and market analysis page indicates your target customer segments, what needs you are filling for letter biology them , and the latest trends among these consumers in five paragraph prompts school, terms of growth and behavior. Chapter 5: Marketing and Sales: The marketing and sales chapter allows you to cover letter describe how you will sell your product/service. Particularly what are your company’s strategies for positioning, pricing, promotion and features of a descriptive distribution. Chapter 6: Strategy and Implementation: This chapter will give you an cover letter biology 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 a chapter on ears 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 postdoc cover biology your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and more. If you are purchasing an essayist 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. Biology! Our guide also includes example graphs and charts, so that you are aware of the types of financial calculations, plans, and forecasts that a plan should offer to attract investment. For guidance on what you should include in 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 essay thesis start your download and get started. However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to your company’s success.
A solid plan is necessary to help found your company and ensure that your goals remain on track over time. Your plan can and will change as you encounter the unpredictable variables that come with starting your own company. If you have an cover letter existing company, crafting a solid plan is equally important if you’re hoping to attract investment and expand your company beyond the thesis, limits you’ve already reached. Your business strategy should account for cover letter the next 3-5 years in advance, and cover every aspect of your industry, including the essay scene, critical relation between marketing and sales to your company’s finances. Your plan should include the following sections before you submit it to letter biology investors. Gilded Lily! Click each accordion to read a how-to guide for biology each chapter: “How to literature Write a Business Plan” Table of Contents: How to Write the Executive Summary. The executive summary contains all of the letter biology, essential information about what makes your business strong and worthy of investment . It covers the major highlights of the importance literature in thesis, rest of cover letter your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to take it, and why your business idea will be successful. Features Good Descriptive! If you are seeking financing, the executive summary is your first opportunity to cover letter grab a potential investor’s interest.
The executive summary will be the first chapter of five prompts high your business plan, though it’s actually the biology, last section that you should write . First, you’ll need to do heavy research to ensure that your plan is essayist a chapter, sound before you can write the executive summary. This section will be different depending on postdoc cover, if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and lily convincing to capture the attention of investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to mitigate these factors. First, you’ll need to briefly explain who you are, the background of your management team, and postdoc your reasoning behind starting a business in your chosen niche.
Secondly, you’ll need to essayist a chapter demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is cover letter, cheap – do you have the data and importance of review analysis to back up your claims? Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. We suggest the following basic template – feel free to postdoc 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 essayist a chapter on ears, company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in which you use to prove success of the venture). This statement should be concise and to the point. Summarize the members of the management team, including highlights of their expertise and experience . Describe how each member contributes to the success of the organization. Keep this section brief, as you will go into more detail in the Products and Services section.
Products and letter biology Services. Describe the products and services you are providing and who the eveline essay, competitors are within the cover letter, industry . Keep this section brief, as you will go into more detail in the Products and importance of review Services section. Describe whom your customer groups are and whom your key customers are , as well as how you will market to cover biology them. Keep this section brief, as you will go into more detail in paragraph prompts high, 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 cover letter biology, Financial Plan section here. Essay Thesis! This should include your sales forecasts and projected expenses as well as the logic behind the postdoc letter biology, projections. If you are a new company, describe when you expect to of review in thesis 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 cover biology reach your next milestone event and/or start paying back the loan. Keep this at an overview level , as you will go into more detail later on five paragraph, in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the amount of money you will need to postdoc letter raise. With these sections fleshed out, you’ve finished your executive summary. How to Write the Company and Financing Chapter. The company and finance section of your plan is essay investigator, important, because introducing the management team is cover biology, critical for both start-ups and established companies alike. Investors will use this information to gauge the future likelihood of success. Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional)
There are many variations and essayist a chapter on ears approaches on how to lay out the various components of a business plan. Our approach for the company overview section is to provide the reader with the company’s legal information, address and postdoc cover a brief description of the importance of review of related in thesis, company’s history. Since there are follow up sections in this chapter that over go the cover letter, company’s location and want crime investigator history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by a credible Attorney. The primer below is letter, meant only to features of a good descriptive essay 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 postdoc biology, 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 importance of related literature, court, the creditors can legally go after your personal possessions – such as the cover biology, roof over your head. A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and five paragraph prompts school 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 cover letter biology, partnership. However, similar to sole proprietorships, partners in a partnership have unlimited liability for the company’s debts and liabilities. Limited Liability Partnerships (LLPs) LLPs are different from traditional partnerships in that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and paragraph high school (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times “silent partners” that wish to postdoc cover biology invest in the venture but limit their exposure to liability. A corporation is a separate legal entity owned by shareholders. Paragraph Prompts! A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to a corporation is the postdoc cover biology, problem of “double taxation” since the corporation’s profits is want scene, taxed at the corporate level, and then any dividends distributed to shareholders are then taxed again at the personal level. You can elect a special tax status with the IRS to have your corporation not be taxed at cover letter, the corporate level (instead, it would be taxed as a pass-through entity).
Some of the drawbacks include not being able to have more than 100 shareholders , and not being able to essay investigator 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 postdoc cover letter biology 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 a chapter on ears, seeking venture capital financing, then you will want to start a C-Corporation as majority of postdoc cover VCs will insist on this legal structure. If you have a home office/no dedicated business address. Include your current office setup and your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the Management Team section is especially critical. With the lack of history, there is little investors can go by to gauge the future success of a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your team’s ability to execute on the stated goals. Essay Gilded! To accomplish this, you should highlight:
Background of each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Don’t include details about members of the letter biology, Management Team that are not relevant to the reader. Everything presented should reinforce why your team is the right team to execute on the company’s vision. If you have an essayist on ears established business the information you want to present is the same. Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the postdoc letter, company. As a company grows from start-up to essayist established business, the postdoc cover letter biology, management team must also change. They must be able to essay high school manage employees, institute standardized systems, and ensure the business’s ability to scale operations while keeping profitability stable. If you already have a Board of Directors and/or Advisory Board, list these individuals and a brief description. In a publically trading company the postdoc cover, Board of Directors is elected by the shareholders and is the highest authority in the management of the company.
For our purposes (context of a private company that is lily, most likely a startup or small but growing business), a Board of Directors is postdoc cover biology, comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of essay want crime Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in letter, your industry and are willing to play a role in your company . Scene! While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the postdoc, member is want scene, committed to postdoc cover letter biology your company. Tips on building your Advisory Board:
Choose a well-respected and well-known individual as the first member of your Advisory Board. This will help you to recruit other members of the Board. Choose individuals that have strengths and paragraph prompts high school 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 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 highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. Only then will you be able to identify the amount of money you will need to raise. There are two primary financing options: equity and debt.
The primary difference between equity and debt financing is biology, that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is of a good descriptive, 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 postdoc biology a specific sum of money from an investor . Therefore, the amount you are able to of review literature raise from investors comes down to cover 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 features descriptive its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by break-even and postdoc letter biology subsequent profitability.
The money you are seeking to raise will simply allow you to have enough cash to cover the initial period where you will be taking a loss so that you can eventually make a profit. This is a simplification; you may be raising money to essay further grow your company, which may already be profitable. Cover Letter Biology! Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). Essay Gilded Lily! 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 postdoc letter biology why and when? The financial statements provide the answer to the first two questions (which is why we recommend you complete your plan first). To answer how much money you need, analyze the of review literature in thesis, cash flow statement to determine the cumulative cash flow. The lowest point on postdoc cover biology, 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 gilded lily answer, especially for a new company. At the end of the postdoc cover letter, 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 essay prompts school, analyzing the cover biology, market value of its assets. In other words, in this approach the company is a chapter on ears, worth the postdoc letter biology, sum of all its assets if they were to essay investigator be liquidated . This approach may be appropriate for some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by postdoc biology, the asset).
However, for many companies the value of its branding and reputation, along with its ability to generate profits, will exceed the value of its assets. The market approach seeks to 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. Essay Lily! This is postdoc cover biology, a common approach in the real estate industry. The income approach seeks to determine a company’s value by using its expected profit over paragraph essay school, time and postdoc cover letter biology then placing a value on that future stream of income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to importance of related discount that expected income to account for risk. Now you have all the pieces to complete the equation. You have the amount of money you need by looking at postdoc biology, cumulative cash flow.
You also have an idea of how much money your company will be worth. Equation to determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Essay Prompts High School! Instead, you should focus on the loan’s interest rate and letter payment schedule. Make sure you will be turning a profit that is both large enough and soon enough to ensure there is no delinquency on eveline, servicing the biology, 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 pay back the loan The amount and importance of review frequency of loan payments. In addition to the information above, you should also summarize how you plan to postdoc cover biology use the funds. The level of of related literature detail should be at postdoc letter, a high level ; if the investor or lender wants to see expenses in good descriptive essay, more detail that will be available in the Appendix within the Profit/Loss statement. Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000.
If based on your financial model you anticipate relatively small yet variable expenses month to letter biology month, a line of credit may be a good choice. With a line of credit you draw upon it when you require the funds and pay interest immediately on the money as it is borrowed. It works very similarly to a credit card in that you typically have a pre-set limit to five paragraph essay school how much you can borrow, the major exception that since you may be able to cover letter biology secure the line of credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over the different strategies available and how thinking about your company’s eventual exit will help shape your business model. It’s recommended you review the Quick Start guide and practice that exercise.
Depending on your company, there are various exit strategies available, including: Selling your business Passing it down through the family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section. Gilded! Angel investors and VCs demand a large return on postdoc cover letter, their investment since they are taking a large risk by on ears, investing into postdoc cover your company. Therefore, you need to include detailed information on how you intend to sell the company or take it public. Demonstrating a large market opportunity. If investors are going to take a big risk, they demand a big return. You need to demonstrate your business has the potential to features good essay either take substantial market share from an incumbent competitor, or create a new market.
Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals. For example, Apple’s mapping software is playing catch-up to postdoc cover letter Google Maps.
If your company can help Apple improve its software, your company would become an want scene attractive acquisition target. The mission statement reflects the core purpose and biology vision of the company. It’s a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short. 1-2 sentences max. Don’t use “fluff” words.
Make the statement mean something. A mission statement, if done well, should encapsulate both what the company does (what it sells) as well as the essayist on ears, 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 postdoc cover biology, 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 essay “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is letter, (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: “ We will be the easiest pharmacy retailer for customers to use.”
Why it’s great: In one short sentence, the 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 good the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to cover letter biology 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 eveline thesis 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 postdoc employees, suppliers, or partners. Essay Gilded! Its objectives are obvious (what company does not want to maximize value) and postdoc cover biology borderline absurd (are there companies that do not want to adhere to local and federal laws)? Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER.
Mission Statement: “ We are committed to attracting, developing, and keeping a diverse work force that reflects the nature of our global business.” Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the company’s mission statement is essay, ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by new companies that want to cover highlight relevant history on 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 essay want scene investigator, no set rule as to postdoc cover letter biology the level of detail you want to include. This is essay crime, dictated by the relevancy of the information to the reader and postdoc cover letter how this information helps strengthen your plan’s ability to build credibility for of review of related literature your company. Every company is made of milestones. Milestones for a business are achievements that demonstrate the business is on the right track.
They are best when quantifiable and postdoc cover measureable. For example, achieving a working prototype of your product, or getting to essay want scene break-even, are both huge milestones that showcase your ability to execute and cover reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the a chapter on ears, 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 cover letter biology your plan. Information you may want to include: Size (e.g.; in good essay, sq. ft.) Location/Address Other notable facts, such as equipment at cover letter biology, the facility. Location is important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose. Describe the lease terms you are able to secure, and importance literature if there are any laws that protect the lessee from cover letter biology unreasonable price increases. You can read a detailed article about what to essayist look for in a lease agreement here.
Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of electricity and water. Postdoc Cover! Describe how the facility provides the essayist a chapter on ears, business with these resources. Postdoc Cover Letter! If the facility is pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of your business even if you are not in retail or manufacturing. For example, you might want to open your software company in Silicon Valley as that provides a competitive advantage from an employee recruitment and fundraising perspective.
If you operate out of a home office. Describe your future expansion plans, including expected date of expansion. Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the high school, Products and Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. Your products and services section should include the following sections. Products and cover letter Services Chapter Sections. Products and essay gilded lily Services Competitors Sourcing and cover letter Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and a chapter Services (optional)
Your products and services are the postdoc cover, lifeblood of essay 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. Postdoc Letter Biology! features. What is the consumer really buying? For example, a person buying a Rolex watch is features, not only postdoc letter buying a device to tell time, but the prestige and status that comes with a luxury product. Think about what end benefit your product/service delivers. Of course, the functional aspects of your product/service are also important. Depending on what you are going to sell, think through the features it will provide, packaging, design, branding, quality, and want crime scene other aspects that help position and/or differentiate it from postdoc letter biology competing products/services. You may have heard the business adage that acquiring a new customer is gilded, indefinitely more expensive then keeping an existing customer. One of the reasons this is true is the potential to sell additional add-ons, upgrades and cover biology substitute products/services to existing customers . Think about how you can drive incremental revenue.
Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream. This is a good thing, because (1) your revenue can be more predictable and essay stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per customer. You will complete the price you want to set your products/services in the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is postdoc cover letter, advisable to start thinking about essay want crime how you want to price your products/services. Competitive analysis is an extremely useful tool and one that should be revisited often as the competitive landscape changes over time. It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses.
Tips on how to postdoc letter biology 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 eveline current competitors you can see, but you have to be vigilant and be on the lookout for postdoc cover 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 eveline thesis, unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to letter biology start competing) There is future growth potential (such as mobile apps) Much of this is common sense – if you see a market opportunity that no one is competing in yet, don’t expect that you will be alone for long. Sourcing is simply the process of procuring goods and services from suppliers that are required for your company to make its products or deliver its service. Some things to consider when choosing and managing your suppliers:
Cost: This is an obvious one – the lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the more working capital you have on hand. Reliability: You must consider how reliable your suppliers are and what would happen to 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 crime investigator, process of how your company delivers its products/services, from cover letter biology point of eveline essay sale to delivery. There are several popular fulfillment options: Engineer to order: the postdoc cover biology, 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 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 expected sales of the product (e.g.; retailers) If you are going to be selling physical products and expect to hold inventory, then you should pay very close attention to how you forecast the amount of inventory you need to meet your projected sales.
Too little inventory and you may not be able to meet demand. Too much inventory and you tie up all of lily your cash on letter biology, excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and paragraph essay prompts high make sure you account for seasonality. Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Postdoc Letter! Utilize inventory management software. QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to manage and maximize your inventory levels. Technology in today’s business environment is becoming more and more important and serves as a source of competitive advantage. Eveline Essay Thesis! Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services.
Wal-Mart uses a sophisticated supply chain management IT system to cover biology ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to ship to of a descriptive practically every corner of the globe, seamlessly and postdoc biology with very low error rates. Think about eveline thesis how technology plays a part in postdoc cover biology, your business and importance in thesis if it is postdoc cover, critical to your business operations. If technology is critical to your business operations, then you must think about want investigator your disaster preparedness and contingency planning . Depending on your business, you may want to postdoc letter create back-up copies of data and software, routine security checks, and of review of related in thesis securing physical assets. What would happen if you lost access to the technology? Think about postdoc cover alternatives that you could utilize. For example, if you license a piece of software and later down the road decide that the cost is too high, is there a competitor who can license you an alternative? If you have exclusive rights to a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and essayist a chapter one that you will want to describe in detail. There are two types of cover letter intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and copyright (such as novels and essay scene investigator movies).
If you have intellectual property that you want to cover letter protect, it is thesis, advisable that you seek the postdoc, professional advice of five a good Patent/IP Attorney , since this is letter biology, a great way to provide a barrier to entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and eveline industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for a patent to protect your invention. You should apply for a trademark for postdoc letter your company name and logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and essayist a chapter plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and biology trademarked goods were a $600 billion dollar industry worldwide.
Enforcing your intellectual property may be feasible from features good essay 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 postdoc cover letter biology downloaded. IP and your employees and 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 crime scene 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 letter, serialized notebooks for employees to use , so that if there is essay thesis, ever a conflict as to whom owns a piece of intellectual property, there is a physical record. If you have future products and postdoc cover letter biology services planned, it is a good idea to describe the product roadmap and strategy behind it . A key concept is that of product lifecycle, which describes the stages of the life of a product. During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the essay lily, product to encourage new customers. During this phase, you may focus on expanding your product to new segments in biology, the marketplace, and expand the product line (for example, with new colors or other variations).
During this phase, you are enjoying the eveline essay thesis, fruits of your labor. Cover Biology! You may add new features to your product to stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to essay want investigator 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 market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for cover letter them, and how these groups of customers are trending in features descriptive, terms of postdoc biology 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 eveline thesis calculate the total market (referred to postdoc cover biology as Total Addressable Market) for essay crime scene your products, and then the segment of that market your business can capture. Total addressable market can be thought of in several distinct levels. At the highest level is an estimate of the total market given 100% saturation. Postdoc Cover! Another way of essay gilded lily looking at this is what would be the total market if one company had 100% market share. Once you have the total addressable market, then you can estimate what percentage of this you can realistically capture. This, of course, is much harder to predict with accuracy. So the important thing to remember is to postdoc utilize strong sources for your assumptions. For example, lets say you plan to essay scene investigator open a high-end steakhouse in downtown Miami.
To calculate your total addressable market, you might count how many high-end restaurants are in the downtown area and research the average annual sales for letter biology each restaurant. Then multiply the two to get the importance of related literature in thesis, total sales for postdoc all high-end restaurants. This would be your total addressable market. Using the eveline essay thesis, example above, we can then drill down to postdoc the next level and determine what percentage of the market you can realistically capture. You might assume that you will take an equal share of the thesis, market, thereby decreasing all other competitor’s shares in the market. Or you might offer cheaper prices, which you assume would take a larger percent of the market. Whatever your assumption, make sure it is well documented and logical. To obtain jaw-dropping product-lift you must solve a difficult and painful problem for the customer. And if there are competitors, you must solve the letter, problem better than them, and enough so that customers are willing to switch to your company. Describe what problem your product is solving.
If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. Describe how your solution better solves customer’s pain points then your competitors. We as consumers are inherently lazy. We do not want to go through the features essay, time and cost of switching from one company’s product/services unless it is cover biology, compelling enough, which is features of a, dependent on the switching cost. For example, there is postdoc, virtually no cost to switch from Coke to Pepsi. On the other hand, there is high switching cost associated with migrating from a Mac to of review of related literature a PC. To overcome this problem, describe how your product either is able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of taking customers away from cover biology your competitors, you are creating a new market for your products).
Understanding market trends at the macro level is critical for various aspects of your business. Crime Scene! A growing or shrinking market is cover letter biology, described in more detail in the market growth section. Features Of A Good Descriptive! Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses. Postdoc Letter! For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is imperative that you are up to date on upcoming changes. For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of features of a good essay securities. This in turn has created a new market for crowd-funding websites to emerge to postdoc cover letter connect startups with all types of investors. You may be in an industry where political conditions have an impact on essay gilded, the bottom line. For example, if you count the biology, Dept. of essayist a chapter on ears Defense as one of your clients, then the postdoc cover biology, across-the-board budget cuts (i.e.; Sequestration in five paragraph essay high school, the Budget Control Act of 2011) would surely have a negative effect on your business.
If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to cover letter use technology, then that will surely put you in a less advantageous position. Knowing technology trends is literature, valuable in postdoc cover letter, ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes. Keeping an eye on essayist, this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the postdoc letter biology, change in market size from one time period to the next (usually in years). So if the essay lily, market in the first year was $100 million and $150 million the second year, then the market can be said to have grown by 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of letter this research. Being able to five paragraph demonstrate a market is cover biology, growing is obviously important – for example, the market for Blackberry accessories is clearly a declining market. Most investors and lenders will not want to want investigator see a new business chase after dwindling customers. On the other hand, the market for cover letter Apple and Samsung phone accessories have seen great growth and will continue to grow as those companies continue to add new customers.
Your industry is a chapter, defined as the group of postdoc cover companies that are related to you in terms of what you sell/how you derive your revenue. For example, Ford and lily Nissan are both in the automotive industry. Ford and Nissan’s market (i.e.; customers) would be the end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on the Dept. of Labor website. Understanding your industry’s dynamics is imperative to cover letter biology knowing it’s profit potential and attractiveness. A popular framework for conducting industry analysis is Porter’s five forces analysis, which analyzes an industry’s competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and how your company fits within the competitive landscape. If your industry has low barriers to importance of review entry and low switching costs, then expect increased competition, as there is postdoc cover letter, little standing in the way for new entrants to enter the eveline, 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 your margins.
If your industry only has a small number of letter biology buyers, or there are many alternative products to choose from, then expect downward pressure on importance of related, your margins. If there are many substitute products in your industry and the switching costs between them are low, then expect substantial competition. An industry is letter biology, very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and it is mature with little growth (so the five paragraph high school, only way to grow is to take a competitor’s market share). Although your product may cater to cover many different sets of customers, you want to focus on a select group that will be the most likely to purchase your product/service and essayist account for the lion’s share of your company’s revenue. For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of postdoc cover letter 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 essay want, once a month. When you can name your key customers. If you are in postdoc cover, a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of them separately. If you’ve filled out this chapter, congratulations. Doing market research and in thesis customer analysis is a complicated and time consuming task.
Time to move on to the next chapter! Writing the Marketing and Sales Chapter. The marketing and cover letter biology sales chapter gives you an essayist a chapter opportunity to biology 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 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 competitive landscape. Of A Good Descriptive Essay! Will you compete on price, or will you differentiate your offering and stand out from postdoc cover letter biology your peers?
For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at the cheapest price point in the marketplace. 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 experience that requires a large investment. Low operating costs: Keeping costs down across all aspects of the essay, business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to low cost production centers Thrift: Limiting advertising and RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by targeting a specific segment of the postdoc letter, 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 eveline thesis marketing – for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of their branding and not through the taste of their coffee. Determining the optimal price for your products/services will require you to think through several factors:
If you are going shooting for the low cost provider strategy, then you will want to price yourself accordingly. Likewise, if you are going for the luxury end of the letter biology, market, then a higher price is often times a proxy for quality. How price sensitive are your customers? If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to over your costs so you can turn a profit. There are, of course, exceptions. For example, you might want to achieve economies of want crime scene investigator scale by maximizing units sold, or you might be maximizing revenue to postdoc achieve dominant market share.
There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in gilded, how much they can charge their customers. Looking at what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to letter biology pay for your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in .99 or .95. In this section, you move from describing your marketing plan onto how you will convey your marketing message to your intended audience. What marketing channels will you utilize to reach your target customers?
Depending on essay, your business, traditional media may be an important component of cover letter biology your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to essayist a chapter have a strong online presence. There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget. A website is a key component of your digital marketing efforts as it will be the postdoc cover, destination in which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of mouth marketing is by far the most profitable and powerful marketing channel available to any business. New customers that are referred to your business are more likely to purchase and more likely to continue referring your company.
There are ways to boost word of crime mouth marketing, especially with the cover biology, advent of importance literature social media. Postdoc Cover Letter Biology! For example, asking a satisfied customer to essayist like your business on Yelp and Facebook will potentially reach hundreds of their contacts, all with one click. Integrating social media into your word of postdoc letter biology mouth marketing strategy is invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by participating on public forums and blogs related to your business and adapting the adage “give more to get more”. How will your products be available? On one end of the spectrum is direct marketing, whereby you sell directly to your customers. Or if you manufacture your products, you might sell through distributors, who in turn sell to retailers, who in 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 essay want sold through specialized channels. Examples include nautical computers and tooling/machinery. Product is letter biology, only sold through an exclusive channel. Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to reach customers directly, as well as working with online channel partners to reach and good descriptive essay sell to customers.
Writing the postdoc, Strategy and essayist on ears Implementation Chapter. The strategy and cover implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and essayist a chapter Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is being made , such as completing the 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 postdoc cover a business yet are one of those things that can be easily overlooked.
Why are milestones so important? Because they are a way to eveline essay measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable). A new company has an extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the company’s risk decreases. It becomes more apparent that the venture will succeed. Investors and lenders will be looking at what milestones your company has reached in order to postdoc letter biology create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for importance literature in thesis store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is a huge milestone.
SWOT Analysis is a useful technique for understanding your company’s strengths and weaknesses , while identifying both the letter biology, opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in your company, such as: Employees and staff Physical assets such as equipment and essay facilities Financial assets. Opportunities and Threats refer to postdoc letter external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and operational effectiveness.
Are you providing a product/service at a lower cost then your competitors? This is 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 achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service?
Popularized by literature, the book “Blue Ocean Strategy”, creating new demand in postdoc cover biology, an uncontested market space is a powerful business strategy. Do you provide superior time to market or customer service? For example, your customers may be willing to pay a higher price for better customer service . Nordstrom’s is an example of gilded lily 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 postdoc opportunity for a partnership in the future and that should be included in this section.
You might have a supplier who has a disproportionate amount of five paragraph high influence and power of your business. Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of biology your revenue coming from thesis several key customers. Postdoc Letter Biology! Inking an exclusive agreement to importance literature lock in revenue would, for instance, give you predictable cash flow. It is postdoc letter, not uncommon to partner with competitors under certain circumstances – for gilded lily example, to set standards for the industry or to help further adoption of postdoc cover letter biology a technology. For example, Sony and Panasonic partnered together to increase the adoption of importance in thesis 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 cover letter biology, 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 features descriptive essay, Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and cover sales forecast will be the in thesis, most difficult part of your entire plan. It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and cover the costs associated with making your product or rendering your services.
These sections are the red meat of your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to make sure they know they’re making a solid financial investment. Chapter 7: Financial Plan and features of a essay 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 postdoc letter biology, cost it will take to produce or sell the product/service, and the number of units you will sell. Features Of A Good Descriptive! 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 cover biology, 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 lily, 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 postdoc cover biology your business, you should forecast an increase in sales thereafter. This is the price you will sell your products/services. Fixed price: Suitable for most sales forecast modeling Price changes over investigator, time: The price of your product/service may increase/decrease in postdoc cover letter, price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to offload excess inventory Promote new product – discount upfront to encourage sales, then increase later. This is the direct cost of producing your product/service (at the unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of literature sales: A good way to forecast costs; as sales increase you can set the cost as a % of sales on a sliding scale. Postdoc Cover Letter Biology! Costs vary each month: The cost of your product/service may increase/decrease in price over time for several reasons: Economy of scale: the more units you produce, the of review in thesis, cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the cheaper they become Seasonality: cost of raw materials may fluctuate based on time of year.
This is the expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to have some growth over time. Postdoc Biology! Units sold changes over time: The quantity sold of a chapter on ears your product/service may increase over time for postdoc letter several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. In the want crime, United States, there is no sales tax at the federal level; however, many states levy selective sales tax on cover letter biology, particular goods or services. Check with your state department of gilded lily taxation if you are required to postdoc collect sales tax. If yes, you collect the sales tax from your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the thesis, sales forecast is accurate, so will the overall sales forecast. You should be able to explain where each number comes from, citing studies/research that validates your assumptions.
The costs of hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to hire and at postdoc letter, 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 risk of alienating your customers and partners when you can’t deliver. A good way to think about importance of related literature in thesis your personnel plan is to think about the milestones you want your business to postdoc cover letter biology accomplish and what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and come back to this section later.
Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and 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 essayist hire and scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an postdoc annual bonus component, for example. Employee: If choosing employee you will have to consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to provide employee-type benefits in importance of review of related literature in thesis, 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 cover biology health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and other benefits. On Ears! This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone.
Burden rate only affects employees and cover biology not contractors. If unsure what to enter, 15% is a fair estimate. Explain the five paragraph school, assumptions and letter biology methodology used to define the want crime scene investigator, personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to coincide with the release of a new product. Enter expenses you plan on incurring for postdoc cover letter biology 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 good descriptive essay your business, such as product development, marketing and operations. Categorize expense into groups, such legal and postdoc biology administrative, rent and leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and gilded lily Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here.
Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers. Fixed assets are depreciated over its useful lifetime. This is an postdoc accounting method that allows the eveline essay, business to allocate the costs of the asset over cover biology, its life by gradually reducing its value. Common fixed assets:
Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition.
Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Besides prepaid expenses, other current assets also include short-term investments and essayist a chapter securities that are likely to turned into postdoc cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the total lease amount of $12,000 being paid upfront. Of A Descriptive Essay! 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 cover letter, a 12-month period of time and can be considered an five paragraph prompts asset on the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an amortized short term asset) then the 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. Cover Letter Biology! Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the company’s profit.
Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at the discretion of the paragraph essay prompts, owners. You may want to postdoc cover letter set this to importance of review of related literature in thesis zero initially and see how the postdoc biology, financials of your business model work out; then you can work backwards and determine how much of 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 want crime, business up and postdoc letter biology running? For example, this could be paying monthly utilities and rent expenses for features of a 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 postdoc letter biology include them in your budget. Accounts receivable is defined as sales that the crime scene, company has made but has yet to postdoc cover letter collect the money from the purchaser. Most companies operate by allowing some portion of their sales to be on eveline thesis, credit. These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the cover letter biology, 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 gilded, credit.
You want this percentage to be as low as possible, while keeping in mind that for letter biology some businesses it is 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 eveline essay thesis pay you back. The faster, the better your cash flow will look like. It is typical to cover letter biology provide net-30, which is 30 days. Accounts payable is defined as short-term debt owed to suppliers and banks.
It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. When looking at accounts receivable (what is owed to on ears you) and accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and postdoc biology you want to eveline thesis pay others as late as possible (cash on hand is letter biology, king). Defining what percentage of gilded 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 days between when you make a credit sale and when the payment arrives. Keep in postdoc cover letter, mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on of related literature, keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand.
The more months of inventory you hold on hand, the more cash is 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 postdoc cover letter business to business. Investigator! A good place to cover letter find more information is essayist a chapter, trade associations for your industry. In order to postdoc cover letter biology 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 a chapter Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on postdoc cover biology, hand. Understanding and managing cash flow is very important to any business. The time period for credit sales and payments may depend on your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about cash flow, including details on the time period in which you will make and receive payments. How did you come to these assumptions and how will it affect your business? When taking out a loan, you borrow an amount of essayist a chapter on ears money (principal) from a lender, and are obligated to pay back at a later time (usually in installments). You will typically pay interest on the loan.
If you are seeking a loan then enter the amount, as you want to forecast the financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to cover finance growth is commonplace. These might include credit cards, home equity line of credit (HELOC), and installment loans. If you have an crime existing small business, commercial loans can be obtained, which are based on cover, a variety of factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Interest rates will be higher for 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 a chapter, difference being that interest is not charged on the part of the line of cover letter credit that is unused, and the borrower can draw on the line of of a good essay credit at any time that he or she needs to.
If you are seeking a line of credit then enter the postdoc letter, amount, as you want to forecast the financials assuming you have secured the line of credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at the financial institution’s request. Investments include injections of cash into the business from you, other shareholders or owners, or investors. This typically refers to equity investments where investors contribute cash to the business in exchange for equity (ownership). In this section, you can describe how your business will be funded. If you are a startup, it is features descriptive essay, likely that the money you make from sales will not cover all your business expenses so you may need additional sources of cover biology funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of importance of review in thesis borrowing money. What type of funding will you acquire? At what point in postdoc cover biology, 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 liabilities: Enter starting balance for Capital and Earnings:
Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. This is optional and will be used to calculate historical financial ratios in want, the Financial Statements section. For each year of cover letter biology your company history , include: $ Sales $ Gross profit $ Income from eveline thesis 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 letter, number of tables it can turn per five paragraph prompts, night and the average revenue per dinner. Think about what levers make the most impact to your business. You will want to continuously track and monitor these metrics to postdoc ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and eveline thesis Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and profit. It is the most common of the three reports as it provides a view into the company’s projected “bottom line”. The statement here is a read-only display, calculated automatically from the information you entered in the Sales Forecast, Budget, and Personnel Plan sections. If you wish to edit or change any information, you may do so by postdoc cover biology, going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of your company’s financial position at a given point in time, usually the good, last day of a fiscal period.
It is called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and stockholder’s equity (your investments from stockholders plus money that your business earned that is put back into postdoc biology running your business). The balance sheet here is a read-only display. If you wish to change the eveline, balance sheet, you can do so by going back to the builder in postdoc cover, the Financial Plan section. If you are an existing business, you have the option of essay want crime investigator adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and cover biology outflows from essay gilded lily 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. Postdoc Letter Biology! In other words, how much money did you start and end up with? The statement here is a read-only display. Thesis! You can go back to edit the sections in the Financial Plan section in postdoc cover letter biology, order to change the accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the health of eveline essay your business.
The report here is a read-only display. If you wish to letter change any of the information, you may do so by editing the relevant financial information you’ve entered previously. Paragraph Prompts! The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to cash is the company in case. Postdoc Cover Letter! This is important in determining the ability of the business to meet its obligations, or paying off what it owes in debt. The Profitability Analysis shows the essayist on ears, overall performance of the company in its ability to make a profit.
The ratios show how much of cover sales revenue is actual profit after taking costs and expenses into five paragraph essay 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 postdoc cover biology, return (net profit) of the essay prompts high school, business divided by the cost of the investment. The most common method of calculating ROI is to postdoc cover divide net profit by of related, total assets. Finishing these chapters represents a massive achievement in completing your business plan. It is by far the most difficult chapter, as it requires doing somewhat complicated math to postdoc cover biology generate accurate financial statements. In all likelihood, you will need to hire an expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, you’ll need to write an appendix and a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and your glossary of terms will simply define the essay school, terms of your business that an investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to start a business, but don’t know how to postdoc letter biology write a plan?
We have a sample database of plans that you can look through to want scene investigator learn the different chapters and sections necessary to attract equity investments and loans. Although our examples are specific to each industry, keep in mind that every plan will be unique depending on biology, your location, your customer base, and your own vision, so these will only serve as a starting point for essay lily you and your dream. Click the images to view our full business examples. 4. The Pros and Cons of Downloading a Business Plan Template. 1. Write with confidence — you won’t be forgetting any important information. Using this free template can help you write your own plan, without the hassle of figuring out how to order your chapters, or the worry of feeling like you might be missing a section. We provide the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. After you download it, it’s up to you to postdoc flesh out the details and essay lily ensure that each section is as well researched and postdoc cover letter intelligently conceived as possible. 2. Step-by-step writing guide and writing samples included.
Our plans come with a complete how-to guide with examples from our professional business plan samples to help steer you through your writing. 3. Completely free – no hidden costs, just download and start writing. This plan is completely free. You may encounter other people or websites on the Internet charging a price to download the five high, guide. Do not purchase them – there is no benefit at all to purchasing a pre-fabricated plan. None of the information will be relevant to your company, and you’ll be gaining nothing but the order and structure of the plan – something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of how a it should be structured, that represents only about 5% of the heavy lifting of writing an actual the postdoc, complete document.
Don’t forget that every plan needs well structured elevator pitch. 1. You’ll have to do complicated business planning math and calculations yourself — or pay an importance of review literature in thesis expensive rate for someone else to do them. You’re going to have to do the financial calculations, plans, and cover letter forecasts that a plan should offer to attract investment — all by yourself. Creating these sections requires years of essay training, math skills, market knowledge, and investment savvy. This requirement is beyond the postdoc letter, scope of most peoples’ abilities, which is features good essay, why entrepreneurs turn to professional writers and accountants to do the heavy lifting for postdoc biology them. Keep in mind: You may have a brilliant idea, but until you’ve subjected your product/service to of review of related meticulous research, and postdoc letter calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and blather to a seasoned investor. 2. You’ll need to manually create visual graphs and charts to make the calculations easily understandable.
You’ll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan. Five Essay Prompts High School! Making your data attractive and letter biology easy to comprehend is no easy task. Professional planning software can not only do the essay, calculations for you, but will also turn them into postdoc biology relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and thesis bank loan officers expect to see them. 3. Cover Biology! A basic template won’t allow you to five prompts school track your business’ progress. You won’t be able to keep your company’s information up to date easily. One of the postdoc letter biology, major benefits of using software is essay thesis, that you can continually update your numbers based on your real expenses and earnings, allowing you to track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to download this document and cover letter biology get started with writing out eveline essay, your product/service concepts and marketing plan. Postdoc Cover Letter! If or when you encounter the financial sections, we’ll be looking forward to helping your progress through the major obstacles of writing a successful strategy that will help you get funding for essay scene your ideas.
Crafted by licensed attorneys Updated regularly Applicable to postdoc biology all 50 states. Create your free. Business Plan Template document in only 5-10 minutes! Copyright 2017 Legal Templates LLC. Legal Templates LLC is not a lawyer, or a law firm and does not engage in the practice of law.
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Compare and contrast 2 forms of addiction Essay Sample. Use, as the cover letter term infers is any use of a drug. Descriptive! The majority of people use a form of cover letter drug in essay thesis, one way or another, ranging from the use of cover letter prescribed medication over the counter, to essayist a chapter on ears alcohol, tobacco, caffeine or illicit drugs such as cannabis, or amphetamines. In reference to use, abuse and addiction two models will be addressed as a way to explain this epidemic. Exploring the postdoc cover biology disease model, from the 1930’s post-Prohibition it was a common perception that alcoholism was a moral failure. Medical and thesis professional standards of the cover letter time treated it as a condition that was expected to be incurable and lethal.
Moreover use, abuse and addiction will be explored through a psychological perspective where a psychodynamic modality will be discussed as a way to explain substance abuse. The Australian Drug Foundation (2010) notes, there is of a good descriptive, no safe level of drug use. The use of any drug always carries some risk even medications can produce unwanted side effects, thus it is important to be careful when there is a level of any drug use. Abuse, the Diagnostic and Statistical Manual of Mental Disorders fourth edition (DSM-IV, 2000) outlines substance abuse as a ‘maladaptive pattern of use leading to clinically significant impairment or distress.’ Dependence and cover biology addiction, the definitions of these two terms are somewhat debatable. There is also some debate over the use of these terms to describe how people use drugs. This is because the language used can affect perspectives on essay want scene, treatments, outcomes, motives and behaviors of those who use them. For an postdoc letter biology, example; some people do not like the term addiction as it implies that the person is powerless over their use of the drug, however others argue that this powerlessness is the foundation of diagnosis and treatment.
Furthermore, others argue that substance use and dependency are not psychiatric disorders, as the DSM IV classification suggests. The DSM IV limits it classification of substance related disorders to dependence, it does not include a classification for addiction. “In 1964 the importance literature World health organization recommended using the postdoc letter term ‘dependence’ in place of terms ‘addiction’ and ‘alcoholism’ (World Health Organization Technical Report series: No. 273, 1964). In 1981, ‘dependence’ as a socio-psycho-biological syndrome manifested by a behavioral pattern in importance of related literature, which the use of a given psychoactive drug (or class of drugs) is postdoc cover biology, given a sharply higher priority over other behaviors which once had significantly greater value (for example drug use comes to have a grater relative value).” (Edwards et al., 1980, p.240). The two terms dependence and addiction are very closely intertwined as it is argued that the tolerance and withdrawal associated with dependence are what exactly defines addictions. However, the DSM IV classification more so describes what is essay want investigator, known as a physical dependence, and does not take account of psychological dependence. Moreover, psychological dependence is when the person believes that they need to use the drug in postdoc letter, order to paragraph feel emotionally stable or function efficiently.
According to the Centre for Addiction and Mental Health (2011), addiction is: “A primary, chronic, neurobiological disease with genetic, psychosocial and environmental factors that influence its development and manifestations. It is characterized by behaviors that include one or more of the following: loss of control over drug use, continued use despite harm, compulsive use and craving.” Use, Abuse and addiction and the disease model: In the 1930’s post-Prohibition it was a common perception that alcoholism was a moral failure. Medical and professional standards of the time treated it as a condition that was expected to biology be incurable and lethal. In the want same year Alcoholics Anonymous was founded by Bill Wilson and Dr.
Robert Smith, Alcoholics Anonymous or (AA) holds the stance that the “primary purpose is to stay sober and letter help other alcoholics achieve sobriety” (Gross, 2010). With other members the founders Wilson and Smith developed the twelve-step program of spiritual character development, basically the principals speak about having an addiction so intense that it leaves you powerless to features essay avoid temptation. Followed by twelve traditions of the twelve-step program, which provided guidelines for relationships between the twelve step groups, members, other groups, the global fellowship and the society at large. These twelve traditions were put into place in 1946 to help Alcoholics Anonymous stabilize and grow. Postdoc Cover Biology! Traditions placed emphasis that members and essay gilded lily groups remain anonymous in biology, public media, intrinsically help other alcoholics, including all who wish to lily stop drinking who do not affiliate with ‘AA’ or any other organizations. Traditions also recommend that members acting on behalf of the program stay away from dogma, governing hierarchies and involvement in public issues. Subsequent fellowships such Narcotics Anonymous (NA) adapted and adopted the twelve steps, and traditions to their respective primary purpose although the disease model was introduced as a theory for postdoc cover letter biology alcoholism it has evolved into the standard model for treatment of practically all forms of essay want scene investigator drug addiction (Chapel, 1999). Foremost, the disease model for drug and alcohol addiction is the most readily available treatment for cover biology the general public. It gives those who don’t have the means help that they wouldn’t have otherwise. From AA/NA meetings that are available for free in nearly every city to the insurance coverage for of related treatment that is postdoc letter biology, available because addiction is regarded as a disease, the advantages are widespread.
Some say looking at addiction as a disease also allows addicts to deal with the guilt that often accompanies a lifetime of chemically induced missteps. …the loss of control is paragraph high school, a disease condition per se which results from postdoc biology a process that superimposes itself upon those abnormal psychological conditions of which excessive drinking is a symptom… (Jelleinek, 1951). People who disagree with the disease model cite an array of features good descriptive essay disadvantages to its use. One of the most prevalent disadvantages relates to the statement cited by Peele, in that it defies common sense and is therefore dishonest. Those that subscribe to that concept often believe that the disease model actually renders addicts helpless rather than empowering them to postdoc change (Clark, 2006). Furthermore others who dispute the disease model state that no biological or genetic mechanisms have been identified that account for addictive behaviour. Scene! Arguing how could an cover, addiction like smoking be genetic, and why are some types of people more likely to smoke than others. Does believing that an addiction like smoking is genetic help the person quit (are all those smokers who quit not “genetically” addicted) and in relation to alcohol, are people really predestined biologically to become alcoholics and thus to become A.A. members. For example; the rock group Aerosmith; all five members of this group now belong to A.A., just as they previously all drank and took drugs together. Thus, how improbable a coincidence it is that five unrelated people with the alcoholic/addictive inheritance should bump into one another and importance of review of related literature form a band (Peele, 1992). Use, Abuse and addiction from a psychological perspective: Psychodynamic therapy focuses on unconscious processes as they are manifested in the client’s present behavior.
The objectives of psychodynamic therapy are client self-awareness and letter biology an understanding of the influence of the past on present behavior. In its brief form, a psychodynamic approach allows the client to paragraph essay school observe unresolved conflicts and symptoms that arise from past dysfunctional affiliations and manifest themselves in the necessary desire to abuse substances. Short-term psychodynamic therapies can contribute to the armamentarium of treatments for substance abuse disorders. Brief psychodynamic therapies probably have the best chance to be effective when they are integrated into a relatively comprehensive substance abuse treatment program that includes drug-focused interventions such as regular urinalysis, drug counseling, and, for opioid-dependents, methadone maintenance pharmacotherapy. Brief psychodynamic therapies are perhaps more helpful after abstinence is well established.
They may be more beneficial for clients with no greater than moderate severity of substance abuse. It is postdoc cover letter, also important that the good descriptive essay psychodynamic therapist know about the pharmacology of abused drugs, the subculture of biology substance abuse, and 12-Step programs. The theory supporting psychodynamic therapy originated in and is informed by psychoanalytic theory. There are four major schools of paragraph prompts high school psychoanalytic theory, each of which has influenced psychodynamic therapy. The four schools are: Freudian, Ego Psychology, Object Relations, and postdoc letter biology Self Psychology. Freudian psychology is based on the theories first conveyed by Sigmund Freud in the early part of this century and is occasionally referred to as the gilded lily drive or structural model. Postdoc Letter Biology! The substance of Freud’s theory is that sexual and aggressive energies originating in the id (or unconscious) are controlled by the ego, which is essay want scene, a set of functions that regulates between the id and external reality. Defense mechanisms are constructions of the ego that operate to minimize pain and to maintain psychic equilibrium. The superego, formed during latency (between age 5 and puberty), operates to control id drives through guilt (Messer and Warren, 1995). Ego Psychology began from postdoc cover biology Freudian psychology. Its followers center their work on increasing and sustaining ego function in harmony with the demands of reality.
Ego Psychology stresses the individual’s capacity for defense, adaptation, and reality testing (Pine, 1990). Supportive-expressive psychotherapy is literature, one brief psychodynamic approach that has been adapted for use with people who have substance abuse conditions. It has been revised for cover letter use with opiate addiction in conjunction with methadone maintenance treatment and for cocaine use disorders (Luborsky, et, al 1997). There have been numerous findings of the essay investigator use of supportive expressive therapy for substance abuse disorders, resulting in a substantial body of biology pragmatic data on its effectiveness in treating these problems. Only since the 1980s that psychosocial components of the treatment of substance abuse disorders have become the subject of scientific examination. Most research on the effectiveness of psychotherapy for the treatment of substance abuse disorders has concluded that it can be an five high, effective treatment modality (Woody et al., 1994). Comparisons among specific models of cover biology therapy have become the want crime focus of much interest. As previously mentioned, supportive Expressive (SE) psychotherapy has been adapted for postdoc letter use with methadone-maintained opiate dependents and for cocaine dependents.
In SE therapy, the client is assisted to recognize and talk about eveline essay thesis core relationship patterns and postdoc how they correspond to high school substance abuse. Letter! Furthermore, The relationship that develops between therapist and client is a very important factor for effective therapeutic outcomes (Luborsky, 1985). This is true irrespective of the modality of therapy. The psychodynamic model has always regarded the therapist-client relationship as a fundamental and the vehicle through which change occurs. Of all the brief psychotherapies, psychodynamic approaches place the most importance on the therapeutic relationship and deliver the a chapter most unambiguous and postdoc letter biology comprehensive rationalizations of how to use this relationship effectively. To conclude, two models were used to features of a essay explain use, abuse and postdoc cover addiction, the crime scene disease model explored the 1930’s post-Prohibition, as it was a common perception that alcoholism was a moral failure. Medical and professional standards of the time treated it as a condition that was expected to be incurable and lethal. In the same year Alcoholics Anonymous was founded by Bill Wilson and Dr. Robert Smith, Alcoholics Anonymous or (AA) holds the stance that the “primary purpose is to stay sober and help other alcoholics achieve sobriety” Twelve-step programs were discussed as this was when alcoholism was more so viewed as a disease rather than a moral failure.
A psychological perspective was also addressed where psychodynamic therapy was the focus. Short-term psychodynamic therapies were seen to contribute to the armamentarium of treatments for substance abuse disorders. Brief psychodynamic therapies were viewed as having the postdoc best chance to be effective when integrated into a relatively comprehensive substance abuse treatment program. It was also important that the psychodynamic therapist know about the pharmacology of abused drugs, the subculture of substance abuse, and 12-Step programs. The Australian Drug Foundation – DrugInfo. (2010) Drugs – the facts, Melbourne. Available: http://druginfo.adf.org.au/treatment-options/what-kind-of -help-is-available#pharmacotherapy. Clark, D. 2006. Five Essay Prompts High! The disease Model of addiction.
London: www.drinkanddrugs.net/backgroundinformation.breifings/sep2506/background_breifing.pdf. Edwards, G. Postdoc Biology! Arif, A. (1980). Drug problems in the sociocultural context: a basis for thesis policies and programme planning, World Health Organization, Geneva. Cover Letter! http://archives.drugabuse.gov/adac/ADAC10.html. Morse. R., Flavin.
D,. (1992) The definition of Alcoholism. JAM Med association. Edwards, Griffith (2002) “Alcoholics Anonymous”. Crime! Alcohol: the cover letter biology worlds favorite drug. Thomas Dunne Books. Gross.
M., Ph.D (2010) American Journal of Public Health. Chappel. J. (1999) Twelve step and mutual help programs for addictive disorders. Psychiatric clinics of North America. Dr. Peele on America’s Fixation on the Disease Model of Addiction: (2007) Interview by Andrew Proscyk. Edited by essayist a chapter, Britt Winston. Copyright Andrew Proscyk. http://lifeprocessprogram.com/lp-blog/library/dr-peele-on-americas-fixation-on-the-disease-model-of-addiction/ Stanton Peele, Ph.D., and Archie Brodsky with Mary Arnold (1992), The Truth About Addiction and Recovery. N.Y.: Simon Schuster.
Woody, G.E.; McLellan, A.T.; Luborsky, L.; and postdoc letter biology O’Brien, C.P. (1995), Psychotherapy in community methadone programs: A validation study. A Chapter On Ears! American Journal of Psychiatry. Woody, G.E.; McLellan, A.T.; Luborsky, L.; and O’Brien, C.P. (1998), Psychotherapy with opioid-dependent patients. Psychiatric Times. Messer, S. B., Warren, C. S. (1995). Models of brief psychodynamic therapy: A comparative approach.
New York: NY: Guilford. Pine, F. (1990). Drive, ego, object, and self. New York: Basic Books. Luborsky, l., Diguer, L, Seligman, D.A., Rosenthal, R. Cover Biology! Krause, E.D., Johnson, S., Halperin, G., Bishop, M., Berman, J.S., Schweizer, E. (1999). The researcher’s own therapy allegiances: A “wild card” incomparisons of treatment efficacy. Is this the essay thesis perfect essay for you? Save time and order Compare and contrast 2 forms of addiction. essay editing for only $13.9 per page.
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