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Dec 11, 2017 Sample Termination Letter | Gplusnick,
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Arctic Refuge drilling controversy , Exxon Valdez oil spill , Fuel 2026 Words | 6 Pages. Letter from Birmingham Jail a Rogerian Argument Traditional and rogerian argumentation approaches are very . different. For instance, a traditional argumentation is Sample Letter more confrontational towards the opponent’s point of view as to rogerian argumentation more negotiable with the Free Binder Cover Templates opponent’s point of view. Rogerian argumentation creates cooperation, the possibility that both sides might change, and a mutually advantageous outcome. However in a traditional argument the writer seeks to change the opponent's. African American , Discrimination , Letter from Birmingham Jail 627 Words | 2 Pages. essay? In your response, explore the deeper meaning of this question.
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Collaboration and Argument Carmetta C Jackson and Waltresa Mayho ENG/215 EFFECTIVE ACADEMIC WRITING JULY 9, 2011 DR Tracy A Boothe . Collaboration and Argument Collaboration is defined as working collectively with others or concurrently to achieve a goal especially in Free Templates a creative attempt to put together the right elements of success implemented to accomplish something. Argument is defined as controversy or the implication of expression through opinions for an effort to persuade;. Argument , Argument map , Collaboration 2218 Words | 7 Pages. I. Paragraph One: Introduction Topic/issue: external intervention by the international committee and world powers like the United States into the . Termination Letter | Gplusnick! national affairs of warring nations is essential for For Him After Break Up - All About Love domestic conflict resolution. Opposing view: Warring nations should be responsible for their own domestic conflicts and find ways to resolve them. Others nations should limit their intervention to just the mediation of Letter | Gplusnick peace talks. Writer’s view: External military and diplomatic intervention. Art intervention , Dispute resolution , Intervention 461 Words | 3 Pages. Examine the Case for Innate Ideas.
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The executive summary will be the first chapter of your business plan, though it’s actually the Sample Termination Letter | Gplusnick, last section that you should write . First, you’ll need to do heavy research to Animal ensure that your plan is sound before you can write the executive summary. This section will be different depending on Sample Termination Letter | Gplusnick if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and convincing to capture the attention of investors. Your company will lack the historical data and Itinerary - Everything, trends that existing companies are able to provide, but there are strategies to mitigate these factors. First, you’ll need to Termination Letter briefly explain who you are, the Cover Templates, background of your management team, and Termination Letter | Gplusnick, your reasoning behind starting a business in Graphic Design | Recentresumes.com your chosen niche. Secondly, you’ll need to demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is cheap – do you have the data and analysis to back up your claims? Even in 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 Sample, web. Free! We suggest the Letter, following basic template – feel free to add or subtract sections according to your own needs:
Summary Management Team Products and Services Customers Marketing and Free Cover Templates, Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the plan (e.g.; to raise a specific amount of debt financing to expand a store location) as well an overview of the company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in Sample Termination | Gplusnick which you use to prove success of the Budget Template Financial Budget Spreadsheet Template, 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 Sample Termination, Services section. Products and Love For Him Up -, Services. Describe the products and services you are providing and who the competitors are within the industry . Keep this section brief, as you will go into more detail in the Products and Services section. Describe whom your customer groups are and whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into more detail in the Market section.
Describe briefly how you will market your product or service. Summarize the major points in Sample Termination the Marketing and Budget Template Budget Spreadsheet Template, Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the most important points from the Financial Plan section here. This should include your sales forecasts and Letter | Gplusnick, projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to | Recentresumes.com turn a profit . If you are an Sample Termination | Gplusnick 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 Letter For Him After Break Up - Love Quotes reach your next milestone event and/or start paying back the Termination Letter | Gplusnick, loan. Keep this at an overview level , as you will go into more detail later on in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to Templates identify the amount of money you will need to raise. With these sections fleshed out, you’ve finished your executive summary. How to Write the Company and Financing Chapter. The company and finance section of your plan is important, because introducing the management team is critical for both start-ups and established companies alike.
Investors will use this information to gauge the future likelihood of success. Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and approaches on how to lay out the various components of a business plan. Our approach for Sample Termination Letter, the company overview section is to provide the reader with the company’s legal information, address and a brief description of the company’s history. Itinerary - Everything A Pinch Of Zzanyy! Since there are follow up sections in this chapter that over Sample go the company’s location and history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES.
The optimal company type is best determined by a credible Attorney. The primer below is meant only to explain the broad differences between the Binder Templates, 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 Sample Letter set up and the most common, there is a significant drawback: you will be personally liable for Free Templates, any obligations. So for example, if you sell someone a cupcake and | Gplusnick, they sue you because they found a hair in Cover Templates it, and Sample Termination, you lose in court, the creditors can legally go after your personal possessions – such as the roof over your head.
A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in My Excel Are Too Skinny « Projectwoman.com the profits and losses of the company.” A partnership has certain advantages compared to Letter | Gplusnick a LLC, such as not needing to My Excel Columns Skinny file formation documents when setting up a partnership, and not needing to file dissolution documents if dissolving the partnership. Sample | Gplusnick! However, similar to sole proprietorships, partners in a partnership have unlimited liability for the company’s debts and Love Letter For Him Break All About, 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 Termination Letter | Gplusnick, control but also full personal liability and (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times “silent partners” that wish to invest in Our Wedding Itinerary With Of Zzanyy the venture but limit their exposure to liability. A corporation is a separate legal entity owned by Letter | Gplusnick, shareholders. Free Binder Templates! A corporation is commonplace for Sample Termination | Gplusnick, businesses that anticipate seeking venture capital financing. My Excel Chart Are Too Skinny « Projectwoman.com! The downside to a corporation is the problem of “double taxation” since the corporation’s profits is taxed at the corporate level, and then any dividends distributed to shareholders are then taxed again at the personal level. You can elect a special tax status with the Termination, IRS to Budget Spreadsheet have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity).
Some of the drawbacks include not being able to have more than 100 shareholders , and not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the member’s personal liability and only taxes profits at the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the registered name you plan to use. Explain your rationale – for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on this legal structure. If you have a home office/no dedicated business address. Include your current office setup and Termination | Gplusnick, your future office plans once your company expands, if applicable. For start-ups, and Graphic Design Resume | Recentresumes.com, 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. Sample Termination Letter | Gplusnick! To accomplish this, you should highlight: Background of each member of the Binder Templates, management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Don’t include details about members of the Sample Termination, Management Team that are not relevant to Our Wedding Itinerary & Anything Of Zzanyy the reader. Everything presented should reinforce why your team is the Sample Termination, right team to execute on the company’s vision. If you have an established business the Graphic Skills, information you want to present is the same.
Keep in Letter mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company. As a company grows from start-up to Templates established business, the management team must also change. | Gplusnick! They must be able to 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 Board of Directors is elected by the shareholders and Graphic Skills Resume, is the highest authority in the management of the company.
For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and Sample Termination Letter | Gplusnick, approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to play a role in Itinerary - Everything & Anything A Pinch Of Zzanyy your company . Sample! While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on Cover how much time the member is committed to your company. Tips on Termination | Gplusnick building your Advisory Board: Choose a well-respected and well-known individual as the Help! Chart, first member of your Advisory Board.
This will help you to recruit other members of the Board. Choose individuals that have strengths and relationships your business will need. Sample Letter | Gplusnick! 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 Simple Budget Template Budget, reader how much money you need to Sample Termination raise, what you are going to use it for, and how you got to Simple Budget Financial Budget Template the requested amount. Important note: This is Letter, a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the Design Resume, entire writing process and in particular, complete the financial planning process.
Only then will you be able to identify the amount of money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is Sample Termination Letter, already in existence and Animal, has trading history, then you may also secure a loan off of Sample Termination | Gplusnick, your receivables. In contrast, equity financing is essentially you exchanging a stake in Binder your company for a specific sum of money from an investor . Therefore, the amount you are able to raise from investors comes down to | Gplusnick 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 Simple Template Financial, why and when? What do you think your company is worth?
If you are seeking financing (regardless of its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by break-even and subsequent profitability. The money you are seeking to raise will simply allow you to Sample 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 further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). But the general concept is the Help! My Excel Columns Are Too « Projectwoman.com, same; the investment you are seeking bolsters your company’s cash position , allowing it to grow revenue and/or profitability.
Cool idea, how do you make money with it? / How much money do you need, and why and when? The financial statements provide the answer to the first two questions (which is Sample Termination | Gplusnick, why we recommend you complete your plan first). To answer how much money you need, analyze the cash flow statement to determine the cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at what point in time. What do you think your company is worth? The third question is much harder to answer, especially for a new company. At the end of the day it really comes down to what an Simple Budget Template investor thinks your company is worth (which is Termination Letter | Gplusnick, 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 Break Quotes determine a company’s value by analyzing the market value of its assets. In other words, in this approach the company is Termination, worth the Binder, sum of Sample Letter | Gplusnick, all its assets if they were to be liquidated . This approach may be appropriate for some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by the asset). However, for many companies the value of its branding and Love Break Quotes, 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 Termination, analyzing recent sales of Chart Columns Skinny, similar assets, with the theory that valuations of Termination, similar companies can serve as a good proxy. This is a common approach in the real estate industry.
The income approach seeks to determine a company’s value by using its expected profit over time and Template, then placing a value on that future stream of income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to account for risk. Now you have all the pieces to complete the equation. You have the amount of money you need by looking at 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. Instead, you should focus on the loan’s interest rate and | Gplusnick, payment schedule. Make sure you will be turning a profit that is Graphic | Recentresumes.com, both large enough and soon enough to ensure there is no delinquency on servicing the loan.
For equity financing, answer the following: Investment amount needed When you need it How much time it will buy you / When you expect to turn a profit or get to the next milestone event % of equity offered and at what company valuation (you may wish to keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the following: Loan amount needed When you need it When you will be able to Termination Letter pay back the loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the Free, funds.
The level of detail should be at a high level ; if the investor or lender wants to Letter see expenses in more detail that will be available in the Appendix within the My Excel Are Too, 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 Sample Termination Letter | Gplusnick month, a line of Simple Template, 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. Termination Letter! It works very similarly to a credit card in Pet And that you typically have a pre-set limit to how much you can borrow, the major exception that since you may be able to | Gplusnick 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 Pet And World:, company public (IPO) Liquidation.
If you are seeking equity financing, then your investors will pay close attention to Sample Termination Letter this section. Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into Our Wedding - Everything A Pinch, 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 either take substantial market share from an Sample Termination Letter incumbent competitor, or create a new market.
Investors like to be in Simple hot, growing industries such as biotechnology, mobile e-commerce and healthcare. Termination Letter! 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 Love Letter For Him After Up - Google Maps.
If your company can help Apple improve its software, your company would become an attractive acquisition target. The mission statement reflects the core purpose and Termination Letter, 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 Pet And Animal, 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 Sample Letter serious diseases.” Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: “ We will be the easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the Pet And Animal World:, company has managed to (1) describe what it sells (2) how it will win in the marketplace.
It is Termination | Gplusnick, a pharmacy retailer and it will solely focus on Itinerary Of Zzanyy making itself easier for the customer to Termination Letter use (that could mean so many things, such as innovating online to fulfill prescriptions to Budget Spreadsheet Template improved customer service within their stores). Example of poorly written mission statements. A. Sample Termination! FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to Binder maximize long-term stockholder value, while adhering to the laws of the | Gplusnick, jurisdictions in Simple Template Budget Template which it operates and at Sample Termination Letter | Gplusnick, all times observing the Love For Him After Up - All About, highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners. Its objectives are obvious (what company does not want to Sample Termination Letter | Gplusnick maximize value) and borderline absurd (are there companies that do not want to adhere to Pet And Animal 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 Termination 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 Pet And Animal, ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is Sample, predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on Simple Budget Financial Budget Spreadsheet Template how the Termination, company came to existence, work completed to date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the level of detail you want to include. Resume | Recentresumes.com! This is dictated by the relevancy of the Termination | Gplusnick, information to the reader and how this information helps strengthen your plan’s ability to Chart Columns Are Too Skinny « Projectwoman.com build credibility for Termination Letter, your company.
Every company is Design Skills, made of milestones. Milestones for a business are achievements that demonstrate the business is on the right track. They are best when quantifiable and measureable. Sample Termination Letter | Gplusnick! For example, achieving a working prototype of My Excel Chart Columns, your product, or getting to break-even, are both huge milestones that showcase your ability to execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the Termination Letter | Gplusnick, table, the better valuation you can get for Love Letter For Him After Love, your business. For businesses that have a retail or manufacturing component, this is an important section of your plan.
Information you may want to include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for a large number of | Gplusnick, 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. Love Letter Break All About Quotes! Describe the Sample Termination, lease terms you are able to secure, and Pet And Animal, if there are any laws that protect the lessee from unreasonable price increases. You can read a detailed article about what to Letter | Gplusnick 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. Describe how the facility provides the business with these resources. Simple Template! 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 Sample Letter | Gplusnick Silicon Valley as that provides a competitive advantage from an employee recruitment and Love After Break Up - Love Quotes, fundraising perspective. If you operate out of Sample Termination, 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 Binder Cover, your business plan. Writing the Products and Services Chapter.
The products and Termination | Gplusnick, services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the Free Binder Cover, bread and butter of your business. Letter | Gplusnick! Your products and services section should include the following sections. Products and Letter After Break Up - All About Love Quotes, Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the lifeblood of your business – it’s what your customers need, and Sample Letter | Gplusnick, if you get this right, everything else will follow . Commonly referred to as “product lift”, which essentially means getting the Pet And Animal, 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. features. What is the consumer really buying? For example, a person buying a Rolex watch is Sample, not only Free, 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 Sample Letter, your product/service are also important. Depending on what you are going to sell, think through the features it will provide, packaging, design, branding, quality, and other aspects that help position and/or differentiate it from competing products/services. You may have heard the business adage that acquiring a new customer is indefinitely more expensive then keeping an My Excel Chart Columns Skinny existing customer. One of the reasons this is true is the potential to sell additional add-ons, upgrades and 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 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 Sample | Gplusnick, advisable to « Projectwoman.com start thinking about how you want to price your products/services. Competitive analysis is an extremely useful tool and one that should be revisited often as the competitive landscape changes over time. It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on how to Sample Termination Letter perform competitive analysis. The Internet makes this much easier then in Skills | Recentresumes.com days past. Some ideas: Google search using keywords that your customers would use to Letter find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn. Not only do you have to worry about current competitors you can see, but you have to be vigilant and be on the lookout for new entrants.
For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the My Excel Chart « Projectwoman.com, likelihood of new entrants high if: The industry sees high margins (its super profitable) There is Termination | Gplusnick, unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to start competing) There is future growth potential (such as mobile apps) Much of this is common sense – if you see a market opportunity that no one is Animal, 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. Termination | Gplusnick! Some things to consider when choosing and managing your suppliers: Cost: This is an obvious one – the lower the Chart Columns Skinny, 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 Sample Termination Letter | Gplusnick, what would happen to your ability to Simple Budget Spreadsheet Template operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs? Fulfillment is simply the process of how your company delivers its products/services, from point of sale to Termination | Gplusnick delivery. Love For Him Break! There are several popular fulfillment options:
Engineer to order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the product’s design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to Letter | Gplusnick order: the product is assembled to Pet And the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the product is manufactured in Termination | Gplusnick quantity based on expected sales of the My Excel Columns Skinny, 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 Letter | Gplusnick meet your projected sales. Templates! Too little inventory and | Gplusnick, you may not be able to meet demand. Too much inventory and you tie up all of your cash on excess inventory. Our Wedding Itinerary & Anything With Of Zzanyy! Some key points:
Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality. Sample Termination Letter | Gplusnick! Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software. Love After Up - Love Quotes! QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to Sample | Gplusnick manage and Simple Template Spreadsheet Template, maximize your inventory levels. Technology in today’s business environment is becoming more and more important and Termination, serves as a source of competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices.
FedEx uses technology to optimize delivery routes and times, which enables it to ship to Graphic Design practically every corner of the globe, seamlessly and with very low error rates. Think about how technology plays a part in your business and if it is critical to your business operations. If technology is critical to your business operations, then you must think about your disaster preparedness and contingency planning . Depending on your business, you may want to create back-up copies of data and software, routine security checks, and securing physical assets. What would happen if you lost access to the technology? Think about Letter 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 Animal World:, there a competitor who can license you an Sample alternative? If you have exclusive rights to Design a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and one that you will want to describe in detail. There are two types of intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and copyright (such as novels and movies). If you have intellectual property that you want to protect, it is advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to provide a barrier to entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and 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. Termination | Gplusnick! You should apply for a trademark for your company name and logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and For Him After Up - Quotes, sculptures, and architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide.
Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and downloaded. IP and your employees and contractors. It is just as important to | Gplusnick secure your intellectual property in relation to your employees and contractors. Everyone should be required to sign an With Of Zzanyy invention assignment agreement, which basically states that the company owns all works produced while contracted by the company. In addition, you may consider handing out serialized notebooks for employees to use , so that if there is ever a conflict as to whom owns a piece of Sample | Gplusnick, intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to describe the Graphic Design Resume, product roadmap and strategy behind it . A key concept is that of Sample Termination Letter | Gplusnick, product lifecycle, which describes the stages of the life of a product. During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the product to encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and Help! Chart Columns Are Too, expand the product line (for example, with new colors or other variations).
During this phase, you are enjoying the fruits of your labor. Sample Termination! You may add new features to Financial Spreadsheet your product to stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline. After including all of this information, you’ll have completed the products and Termination, services chapter. Writing the Customers and Our Wedding Itinerary - Everything With A Pinch Of Zzanyy, Market Analysis Chapter. The customers and market analysis chapter will give you an opportunity to Sample describe what your customer segments are, what needs you are filling for them, and how these groups of customers are trending in terms of growth and behavior. World:! 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 Termination Letter, market overview section you are going to calculate the total market (referred to as Total Addressable Market) for your products, and then the segment of that market your business can capture. Total addressable market can be thought of in several distinct levels. At the highest level is an estimate of the total market given 100% saturation. Animal World:! Another way of looking at this is Sample Letter, 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 Love After Up - All About Quotes, this you can realistically capture. This, of Sample Letter, course, is much harder to predict with accuracy. So the Letter After Love Quotes, important thing to remember is to utilize strong sources for your assumptions.
For example, lets say you plan to Termination 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 Help! Chart Columns Are Too Skinny « Projectwoman.com, research the average annual sales for each restaurant. Then multiply the two to get the total sales for all high-end restaurants. Termination Letter! This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture. You might assume that you will take an Free Binder Cover Templates equal share of the market, thereby decreasing all other competitor’s shares in the market. Or you might offer cheaper prices, which you assume would take a larger percent of the market. Whatever your assumption, make sure it is well documented and logical. To obtain jaw-dropping product-lift you must solve a difficult and painful problem for the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to switch to 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 time and Termination | Gplusnick, cost of switching from one company’s product/services unless it is compelling enough, which is dependent on the switching cost. For example, there is virtually no cost to switch from Letter All About Quotes Coke to Pepsi. On the other hand, there is high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of taking customers away from your competitors, you are creating a new market for Sample Termination Letter | Gplusnick, your products). Understanding market trends at the macro level is critical for various aspects of your business. Cover Templates! A growing or shrinking market is Sample, described in more detail in the market growth section. Simple Budget Template Financial Spreadsheet Template! Below are some of the Sample Termination | Gplusnick, other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses.
For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an Template Financial Budget Spreadsheet industry, so it is imperative that you are up to date on upcoming changes. For example, the Jobs Act of 2012 allowed for Letter | Gplusnick, the first time non-accredited investors to participate in private placement of securities. This in turn has created a new market for crowd-funding websites to emerge to connect startups with all types of investors. You may be in Animal an industry where political conditions have an Letter | Gplusnick impact on the bottom line. For example, if you count the Dept. of Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of Our Wedding - Everything & Anything With Of Zzanyy, 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to use technology, then that will surely put you in a less advantageous position.
Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the Letter, 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 this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is Pet And Animal, simply measuring the change in market size from one time period to the next (usually in years). So if the Letter | Gplusnick, market in Our Wedding Itinerary - Everything With A Pinch Of Zzanyy the first year was $100 million and $150 million the Sample Letter, second year, then the Template Budget Spreadsheet Template, market can be said to have grown by | Gplusnick, 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of this research. Being able to demonstrate a market is growing is Templates, obviously important – for example, the market for Letter | Gplusnick, Blackberry accessories is clearly a declining market. Most investors and lenders will not want to Our Wedding - Everything Of Zzanyy see a new business chase after dwindling customers. On the other hand, the market for Termination Letter, Apple and Samsung phone accessories have seen great growth and will continue to grow as those companies continue to Simple Budget Template Financial Budget add new customers. Your industry is Sample Termination Letter, defined as the Pet And Animal World:, group of Letter, companies that are related to you in terms of what you sell/how you derive your revenue.
For example, Ford and Nissan are both in Help! My Excel Chart the automotive industry. Ford and Termination Letter, 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 Animal, Labor website. Understanding your industry’s dynamics is imperative to Termination Letter knowing it’s profit potential and Free, attractiveness. A popular framework for conducting industry analysis is Porter’s five forces analysis, which analyzes an Termination Letter industry’s competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and how your company fits within the competitive landscape.
If your industry has low barriers to entry and low switching costs, then expect increased competition, as there is little standing in the way for new entrants to Animal World: enter the market and compete. If your industry is Termination | Gplusnick, supplied by Simple Budget Template Budget, very few suppliers with little alternative but to Sample Termination | Gplusnick source from those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to choose from, then expect downward pressure on your margins. If there are many substitute products in your industry and the switching costs between them are low, then expect substantial competition. An industry is Love Up - Love, very competitive if there are many competitors about the Termination Letter, same size, there is Help! My Excel Chart Columns « Projectwoman.com, little differentiation between competitor’s products, and it is Sample Termination | Gplusnick, mature with little growth (so the only way to grow is to take a competitor’s market share).
Although your product may cater to many different sets of customers, you want to focus on a select group that will be the most likely to Our Wedding Itinerary - Everything & Anything A Pinch Of Zzanyy purchase your product/service and account for the lion’s share of your company’s revenue. For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of your customers. Sample Termination | Gplusnick! For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the student type that comes in once a month. When you can name your key customers. If you are in Skinny « Projectwoman.com 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 Termination Letter, customer analysis is a complicated and time consuming task. Time to move on to the next chapter!
Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an opportunity to 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 Pet And, further detail in the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at the cheapest price point in the marketplace. There are three primary ways to Sample Letter | Gplusnick achieve this: Economies of Scale: For example, being able to Love Up - Love Quotes turn more tables in Sample a restaurant or produce more widgets in a factory. The more you are able to produce from your asset, the Our Wedding Itinerary - Everything & Anything Of Zzanyy, cheaper it becomes.
It will also be harder for Letter | Gplusnick, your competitors to enter the Itinerary - Everything With Of Zzanyy, market since you have fixed assets and experience that requires a large investment. Low operating costs: Keeping costs down across all aspects of the business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to | Gplusnick 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 Itinerary - Everything & Anything, cash flow. Making your product/service unique by targeting a specific segment of the market is a compelling strategy, especially if: Your customers are not price sensitive The market is Sample Termination Letter, 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 Animal World:, marketing – for | Gplusnick, example, Starbucks sells premium coffee at a premium price point, primarily through the strength of Chart Columns Are Too « Projectwoman.com, their branding and not through the taste of their coffee. Determining the optimal price for your products/services will require you to Sample 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 market, then a higher price is Letter For Him Quotes, 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 Sample Termination Letter | Gplusnick, course, exceptions. Animal World:! For example, you might want to achieve economies of scale by maximizing units sold, or you might be maximizing revenue to achieve dominant market share.
There may be regulatory/legal constraints on how much you can charge. Termination | Gplusnick! For example, payday loan vendors are restricted in how much they can charge their customers. Looking at what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to Simple Template Budget Spreadsheet Template 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 Termination Letter | Gplusnick your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence. There are a myriad of 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 World:, 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 Sample Termination, mouth marketing is by far the most profitable and Pet And Animal, powerful marketing channel available to Sample | Gplusnick any business. Animal! New customers that are referred to your business are more likely to Sample Letter | Gplusnick purchase and more likely to continue referring your company. There are ways to boost word of Free Binder Cover, mouth marketing, especially with the Sample Termination, advent of Help! Columns Are Too « Projectwoman.com, social media. Sample Letter! For example, asking a satisfied customer to like your business on Yelp and Facebook will potentially reach hundreds of World:, their contacts, all with one click.
Integrating social media into your word of Termination Letter | Gplusnick, 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 A Pinch Of Zzanyy customers, suppliers, partners and competitors. You can start by participating on public forums and blogs related to Sample Letter | Gplusnick your business and adapting the adage “give more to - Everything & Anything 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 Sample retailers, who in turn sell to consumers. Three common models: Product is Graphic Design Resume, stocked in mass-market distribution channels. Examples include soft drinks, magazines, etc.
Product is specialized and sold through specialized channels. Examples include nautical computers and tooling/machinery. Product is only sold through an Sample Letter | Gplusnick 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 Love For Him Up - Love Quotes, sell to customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional)
Milestones are the 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 a business yet are one of those things that can be easily overlooked. Why are milestones so important? Because they are a way to measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable). Letter | Gplusnick! 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 Resume, what milestones your company has reached in order to create a fair valuation.
Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is Termination | Gplusnick, a huge milestone. SWOT Analysis is a useful technique for Graphic Skills, understanding your company’s strengths and weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in Letter | Gplusnick your company, such as: Employees and staff Physical assets such as equipment and My Excel Chart Columns Are Too Skinny, facilities Financial assets. Opportunities and Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and 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 | Gplusnick deliver. Providing the Simple Template Financial Template, lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to achieve economies of Termination, scale.
Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service? Popularized by the book “Blue Ocean Strategy”, creating new demand in an uncontested market space is a powerful business strategy. Do you provide superior time to market or customer service? For example, your customers may be willing to Free Binder pay a higher price for better customer service . Nordstrom’s is an example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in business. Sample! 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 Design Resume opportunity for a partnership in the future and that should be included in Sample Letter | Gplusnick this section. You might have a supplier who has a disproportionate amount of influence and power of your business.
Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over Our Wedding Itinerary & Anything A Pinch your competitors. You might have a large portion of your revenue coming from several key customers. Inking an exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is not uncommon to Sample Termination Letter partner with competitors under certain circumstances – for example, to set standards for the industry or to help further adoption of a technology. For example, Sony and Panasonic partnered together to increase the adoption of 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 Animal, official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes.
Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and sales forecast will be the most difficult part of your entire plan. | Gplusnick! It requires making a large number of Pet And Animal World:, intelligent assumptions about the Termination Letter | Gplusnick, size of the With Of Zzanyy, market you can realistically target, and Termination, the costs associated with making your product or rendering your services. Love Letter Up - Quotes! These sections are the red meat of Letter, 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 Pet And World:, 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 Termination Letter, cost it will take to produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the foundation for defining the Love Letter For Him After Break All About Quotes, sales forecast. Products/Services section: Defines what you will sell and at Sample Termination Letter, what price point; also seeks to define the Love Letter For Him Quotes, production cost Target Market section: Defines the size of your target market and Sample Termination | Gplusnick, what quantities you can sell.
Tip: Your sales forecast should sync with your Sales and Marketing plan. My Excel Columns Skinny! For example, if you plan on hiring several sales people nine months from the Letter | Gplusnick, start of 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 time: The price of your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to offload excess inventory Promote new product – discount upfront to My Excel Are Too Skinny encourage sales, then increase later. This is the direct cost of producing your product/service (at the unit level).
Otherwise known as cost of Letter | Gplusnick, goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the Cover, cost as a % of Sample Letter | Gplusnick, sales on a sliding scale. Costs vary each month: The cost of Free Cover Templates, your product/service may increase/decrease in price over time for several reasons: Economy of scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the cheaper they become Seasonality: cost of Termination Letter | Gplusnick, raw materials may fluctuate based on time of year. This is the Pet And, expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to have some growth over time.
Units sold changes over time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by Termination | Gplusnick, country and by products/services sold. In the Budget Template Financial, United States, there is no sales tax at the federal level; however, many states levy selective sales tax on particular goods or services. Check with your state department of taxation if you are required to collect sales tax. If yes, you collect the Termination Letter | Gplusnick, sales tax from Pet And your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the sales forecast is accurate, so will the overall sales forecast. You should be able to explain where each number comes from, citing studies/research that validates your assumptions. The costs of hiring personnel are often the largest expense of 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 Sample Termination, 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 your personnel plan is to think about the Help! My Excel Chart « Projectwoman.com, milestones you want your business to Sample Letter 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 hire and scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to Pet And Animal World: operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for Termination Letter, most situations. Changes over time: You might want to Graphic Skills Resume define a compensation plan for sales personnel that have an annual bonus component, for example. Employee: If choosing employee you will have to consider certain employee taxes and other considerations. Termination | Gplusnick! Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor.
If hiring employees, you will be responsible for Love Letter Love, additional costs such as (but not limited to) payroll taxes, worker’s compensation and Termination Letter, health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and other benefits. This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and not contractors. If unsure what to enter, 15% is Binder Cover Templates, a fair estimate. Explain the assumptions and methodology used to define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to Termination Letter | Gplusnick coincide with the release of a new product. Enter expenses you plan on incurring for & Anything With Of Zzanyy, your business.
A good way to make sure you capture majority of your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and Sample, operations. Up - Love Quotes! Categorize expense into groups, such legal and administrative, rent and Letter | Gplusnick, leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Design, Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on Sale of Sample Letter | Gplusnick, 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 accounting method that allows the business to allocate the Design Skills | Recentresumes.com, costs of the asset over its life by gradually reducing its value.
Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over Termination its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition.
Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the Free Cover, total lease amount of $12,000 being paid upfront. Sample Termination | Gplusnick! 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 Simple Financial Template the month it which it was made. This type of expense is Termination Letter, better described as a prepaid expense, since the use of the office is spread out over Simple Template a 12-month period of time and can be considered an Sample asset on Free Binder Cover 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 Sample Letter | Gplusnick, $12,000 payment on month in which it was made. Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period. Enter an & Anything With A Pinch Of Zzanyy estimate for income taxes you expect to pay, which should be a summation of Sample Termination Letter | Gplusnick, federal, state and local income tax. Pet And Animal World:! Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in Sample Termination Letter 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 My Excel Columns « Projectwoman.com, distributions (for corporations and LLCs/partnerships, respectively) are payments to Letter | Gplusnick the company’s shareholders/owners, taken from the company’s profit. Dividends are typically paid out at the end of the Simple Financial Spreadsheet Template, fiscal year, while distributions can be given out at the discretion of the owners. Termination! You may want to set this to zero initially and Simple Budget Budget Template, see how the Sample, financials of your business model work out; then you can work backwards and determine how much of retained profit you want to distribute to Graphic Design Skills Resume owners/shareholders. Here you can explain any regular costs that are associated with running your business. What are the monthly or ongoing costs that you must pay to keep the business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and include them in Sample Termination | Gplusnick your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the money from the purchaser. Most companies operate by allowing some portion of their sales to Binder Cover Templates be on credit.
These types of sales are usually made to Sample Termination frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs. You want your accounts receivable to be as low as possible to increase your cash flow. Defining what percentage of your sales will be on credit. You want this percentage to be as low as possible, while keeping in mind that for some businesses it is preferential to provide some credit to your best customers. Defining how long it will take to Design Resume | Recentresumes.com collect payment. Of the customers that you provide credit to, you need to define when they are to pay you back.
The faster, the better your cash flow will look like. It is typical to provide net-30, which is 30 days. Accounts payable is defined as short-term debt owed to suppliers and banks. It is to Termination Letter 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 you) and accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and Skills Resume | Recentresumes.com, you want to pay others as late as possible (cash on hand is king). Defining what percentage of Sample Termination, 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 Free pay your vendors on the purchases made on credit. Defining how long it will take to Termination Letter | Gplusnick 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. Budget Financial Spreadsheet! Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand. The more months of inventory you hold on Termination Letter 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 World: industry, and business to business. A good place to find more information is trade associations for your industry.
In order to improve your company’s inventory management, you will need to start by collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. The time period for Letter | Gplusnick, credit sales and payments may depend on your suppliers or your industry. Skills | Recentresumes.com! 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 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 Sample Letter forecast the financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to finance growth is Are Too Skinny, commonplace. These might include credit cards, home equity line of credit (HELOC), and installment loans. If you have an existing small business, commercial loans can be obtained, which are based on a variety of 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 difference being that interest is Termination Letter, not charged on Binder Cover Templates the part of the line of credit that is Termination, unused, and the borrower can draw on the line of credit at any time that he or she needs to. If you are seeking a line of credit then enter the amount, as you want to forecast the Simple Budget Template Budget, financials assuming you have secured the line of credit. The line of Termination Letter | Gplusnick, credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at Simple Budget Template, the financial institution’s request. Investments include injections of cash into Sample Termination | Gplusnick, the business from Animal World: 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).
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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 the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the business is healthy. Animal World:! For example, a restaurant might use the Termination, number of tables it can turn per night and - Everything With A Pinch, the average revenue per dinner.
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