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How to essay Write an to write about Artist’s CV in 10 Steps. A CV or curriculum vitae is an overview of your artistic professional history and achievements. Essay! Although it looks similar to a resume, it contains different elements which are only related to your artistic professional practice. One mistake emerging artists often make in writing their CVs is good book report trying to oversell their work. Less is essay more. To Write Yourself! Your CV should be neatly organized, and only include information pertinent to essay on truthfulness your artistic career. What should you include on alcohol abuse a CV? Here is where how to compose one in 10 steps: Often, more established artists will keep it simple. Essay On Truthfulness! This is because their CV is ccot essay ap world usually referenced as a biography rather than a resume. Damian Hirst (b.
1965, UK) However, you can include contact information if you are sending out your CV to galleries in the hopes that they will reply: Damian Hirst, (b. 1965, UK) Either of these formats is appropriate for an artist’s CV. Just keep in essay on truthfulness mind that you should only include your website if it directly relates to your artistic practice. You may have attended post-secondary school for art, or you might be a self-taught, mentored, or otherwise educated artist. Generally speaking, this section of a CV relates to institutional education specifically in the field of visual arts. If you do have post-secondary education in the arts field, include the Solutions Problems school(s), the year(s) that you graduated, and the degree(s): University of British Columbia, Master of Fine Arts, 2009.
Emily Carr University, Bachelor of Fine Arts, 2005. If you do not have a degree in the visual arts field, fear not. Essay On Truthfulness! This section of the CV is not a pre-requisite for exhibitions or gallery representation. The only ccot essay, thing to essay note is that you should not put down any other type of education (high school graduation, degree in book report websites business management), unless it very directly relates to the artwork that you make. Essay On Truthfulness! Leaving this section off of abuse conclusion your CV is perfectly acceptable. Beginning with your most recent, you should list your exhibitions in essay on truthfulness a manner similar to about yourself this: 2011 Title of Show , Museum of Modern Art, NY.
2010 I’ve been showing a lot lately , Galerie Espace, Montreal. If you have a large number of on truthfulness exhibitions, you can split them into two or more categories: solo exhibitions, group exhibitions, and even duo exhibitions. This helps define in what capacity your work was shown (you don’t want to undersell your solo show at good the MoMA.) A method often used by artists is to list “selected” exhibitions, ie, the heading would read “selected group exhibitions”. This has benefits whether you have a lot of exhibitions or not: if you have lots, you can weed out the exhibitions that are no longer relevant to your career.
If you don’t have a lot of exhibitions, you are assuring the reader that they are not looking at on truthfulness a short list, but rather your most relevant history. In this section of Solutions Problems your CV, you can include any articles in which you or your art appeared. If it is an article, it should include the author, title, publication, volume, publication date, and page number: Coupland, Douglas: “Why I Love This Artwork”, Canadian Art Magazine, vol. 12, February 2011, p. 55-60. If your work appeared on essay on truthfulness the cover of a publication, you can format your information like this: Canadian Art Magazine, Cover, vol.
12, February 2011. If writing about your artwork or your artwork itself appears in a book, the formatting should read: Schwabsky, Barry (Compiler), Vitamin P: New Perspectives in Painting , Phiadon Press 2004, p. 78. For further information and other examples of MLA format, there any many resources online. As an example, here is SFU’s citation guide for MLA style . Once I entered a competition to paint banners for a small city’s Christmas celebration. I requested the banner be returned when the competition was over, but they refused to return it. Now I put “City of _____” under the public collections section of Problems my CV. We both win!
Generally, the “collections” portion of your CV is to list public institutions which own your artwork. Essay! This could be museums, corporate collections, or even municipalities or agencies. Alcohol Abuse! They can simply be listed under the heading collections: The Vancouver Art Gallery. The Canada Council Art Bank.
The Colart Collection. If you only have artwork in private collections and you wish to include this section on your CV, you should not list the essay on truthfulness name of the collector unless 1. Alcohol! they are well-known as important collectors of art, and 2. have explicitly agreed to on truthfulness be listed on your CV in to write about whatever venue it gets published (the web, etc). If several people own your artwork in private collections and you would like to note that, you can list them like this: Private collection, Calgary AB. Private collection, Vancouver, BC. Just don’t go to overboard with the essay list– if you really have lots, you’ll look more understated and impressive by inserting something like this: Works held in private collections in Canada, the United States, Germany, and New Zealand.
If you have any published writing relating to either your own practice or that of others, you can list it here in to write about proper MLA format: “This Artwork is Awesome”, Awesome exhibition catalogue, Vancouver Art Gallery, 2006. The above points are the most common and usually the essay most notable elements which artists include on book websites their CVs. However, depending on your practice, there may be a number of on truthfulness other professional and artistic points of interest to good websites list. Here are some examples: This is a space to on truthfulness list any teaching positions you may have had, either as a faculty member or as a guest lecturer or speaker. You should only include those related specifically to your practice or to visual arts: 2009, Guest lecturer, Emily Carr University.
2007, Sessional instructor, SFU. If, as well as being an artist you have also undertaken curatorial projects (as so many artists seem to essay do now), you can list them simply as the exhibition itself, or, add on a brief explaination: 2011, “Drawings”, Richmond Art Gallery. 2010, “Paintings”, Or Gallery, co-curated by Damian Hirst. Some artists choose to list awards and / or grants they have received. If you decide to include this, the list should all be specifically related to essay on truthfulness your artistic practice, unless it is extremely notable, such as the Nobel Peace Prize: 2011, Canada Council grant. 2010, BC Arts Council grant. Artist’s residencies you may have attended are good to include on your CV as they show a dedication to speech your practice and to essay on truthfulness your professional development:
2010, Studio residency, School of Visual Arts, New York. One of the persuasive best ways to start writing your CV is to essay see how other artists do it. In addition to the categories listed above, there are many different professional practices or ways of organizing your information. Many galleries or artist’s themselves post CVs on their website, so they are easily accessible. A few to check out: 143 thoughts on “ How to Write an Artist’s CV in 10 Steps ”
Thanks so much, great information. really great,, I was struggling on puting one together, The information online is very conflicting when it comes to artists CV’s. thia article only applies to persuasive essays artists with sufficient experience and various accomplishments such that this article would provide no value, with no usefulness or relevance to artists who are seeking advice on essay on truthfulness creating a resume. Hi Bradley– I’d be happy to give you other suggestions for your artist CV. What kind of artistic experience do you have, and what were you thinking of including on your CV? What would you reccommend to paper write in an unexperienced artist?s cv? I don?t even have shown my work in a gallery, do you think it is a must to do this? What would be the previous steps to essay on truthfulness writing a cv? I am interested in applying for a contest but I always end up not applying because of the ways an essay cv. Wow.
This blog is on truthfulness such a fantastic resource! I am thrilled to have found it this afternoon! Cheers! If you are creating a resume for an art teacher position, do you still include all the report websites info you pointed out? Or do you create more of essay a standard resume (objective, job history, etc.)? Do they want to see if your work has been in galleries, etc? Hi Tanya, I would still use all the info listed above, but perhaps pare it down to Solutions include only the “highlights.” Then you can also include standard employment info from a regular resume, as well as references.
Cheers! Thanks for essay the info. Solutions To Communication Problems! Also, should I put experience first, then the highlights of CV? Also, is their a max for essay number of pages, because I know on my standard employment resume you shouldn’t have more than 2 pages. Apologies for the delayed reply! I agree experience first and then CV highlights. I’d keep it to essay ap world history 2 pages if possible, but if the position you are applying for is prestigious or highly competitive, they would probably appreciate more information. For example, the CVs of many scholars are pages and essay, pages long! If you do not have a formal art degree but have taken collegiate courses, should you include the university and disciplines under Education?
I was originally enrolled in a 4 year art program and due to a significant change in circumstances had to book move and was forced to essay complete a 2 year general degree. My CV is really short, although I’m working on getting more exhibitions under my belt. Hi Diana, yes, I would include these collegiate courses but keep them brief. I would list the general degree and highlight your original focus on the arts-related courses. What if you have no experience, have taken photography classes and abuse essay conclusion, have only shown in student shows? How can you put something together with practically nothing without making it look that way? Hi Lisa, you should list your photography courses under education and your student shows under exhibitions.
If anyone owns your work (even if you’ve gifted them a work,) you can list them as a private collection (see step 5.) Those three items formatted nicely with your contact info should give you a decent 1 page CV. Don’t worry if it seems sparse to you, there’s nothing wrong with being an emerging artist! Also remember most people will look at your artwork before they look at your CV #128521; Thank you for the information – it’s very helpful! One other question – as far as publications is concerned: what if my art appeared in essay on truthfulness a [student] publication, but wasn’t reviewed? The book appears every spring and consists of persuasive smoking photos of on truthfulness various students’ work. Should I put that on a CV or leave it out?
Hi Lisa, definitely include it. Any time your artwork is published it’s worth including! A couple of questions: I have several exhibitions from the Navy, should they be listed by ship or simply U.S. Navy with home city and year? I also received a nomination for 2005 Graphic Artist of the Year while in the Navy, which section would you recommend listing this? Hi Michael, for your exhibitions, I think you should list U.S.
Navy, the ship, as well as home city and year. Solutions To Communication Problems! Someone looking at your CV would probably appreciate as much information as possible. For your nomination (congratulations, by essay the way!) you can list that under a heading called “awards.” You could format it something like this: 2005, Nomination, Graphic Artist of the Year, US Navy. I hope that helps #128578; Very much so. Thank you! OK, one more question, for multiple awards received in one year, list year and report websites, award individually or as a group under that one year?
Hi Michael, there’s no exact right or wrong here, it’s up to essay on truthfulness you in terms of what you think visually looks better. You could go like this: Nominated, Award #1. Nominated, Award #2. Finalist, Award #3. 2005, Nominated, Award #1.
2005, Nominated, Award #2. 2005, Finalist, Award #3. 2004, Winner, Award #4. just saying thank you. i have struggled to find a good reference for creating a cv for to communication Problems an artist, this one is great. Thank you!
I’m glad it helped you. I was wondering whether the tips above applies to those wanting to pursue arts-management courses as well? . I don’t have formal post-secondary arts-related education but have taken part in small-scale and major group exhibitions. Hi Yangzheur, I think it depends exactly what you’re tailoring your CV for. Do you mean that you are applying to on truthfulness an arts-management business type of course? If so, look closely at their requirements. Are they asking for an artist’s CV? If so, the information about would be applicable to essays smoking you. If they are asking for a resume, and if you feel your participation in the exhibitions are relevant to the focus of the program, you could add those to your resume as professional experience.
I hope that helps! Thank you. Its good reference to make a CV for an artist. Reblogged this on essay balladblood and commented: Very helpful for those of abuse essay us doing their artist C.V’s for the first time.
Great Advice! My sister is struggling and I am trying to essay help in any way. Problems! I am not an artist so all the advice helps! Can I send you her CV so far? Hi Natalie, if you have any specific questions about the CV or its formatting, please email me at firstname.lastname@example.org. Cheers! Thanks for the information. You have clearly explained how we can write professional resume perfectly.
There is essay on truthfulness one option to ccot ap world create perfect CV is to use resume templates. This helps in essay saving your lot of abuse essay time and also helps to on truthfulness make your resume best among all. Wow, This is speech wonderful. I am trying to take the information from my regular resume and crate a CV for graduate school applications. Is there a best format for grad school applications that combines both work and art? Also, I am challenged by essay on truthfulness how I should add a competition (the only one I have to report put on the CV) that was through Creative Quarterly: The Journal of Art and Design, Issue 18, which is a print and web journal. On Truthfulness! I won a Merit award in student photography and paper, was published (full page) in the magazine. But in essay on truthfulness addition to alcohol conclusion that for the same issue, my winning Runner-Up image was posted in the on-line gallery. Essay On Truthfulness! Here’s what I have written. The formatting did not carry over speech with a copy and paste function.
Please imagine that the on truthfulness journal title is persuasive speech underlined not to include the words, Volume Five, Number Four. Can you tell me if it is correctly entered? This is so awesome! Thank you! New Talent Merit Winner-Student Photography.
Creative Quarterly: The Journal of Art and Design, Issue 18. Volume Five, Number Four. Spring 2010. 64. Print.
Runner-Up-Student Photography. “Online Gallery: CQ 18.” Creative Quarterly: The Journal of Art and Design, Issue 18. Essay! Volume Five, Number Four. Spring 2010. Forgive if this post hows up twice. My laptop is being a pain right now. Hi, please forgive me for my delay in replying! I think you should choose what elements you need from your work resume and which from your art, and combine them as you see fit based on abuse essay conclusion the requirements of your application. Resumes are CVs are formatted fairly similarly, so if you just keep that consistent it should be just fine to combine the information that they require into one document.
Regarding your competitions section, you could consider renaming it “Awards.” Even if you technically received runner-up, it still is appropriate. I think your formatting works well. Hope that helps #128578; New Talent Student Photography Award,v The information you’ve shared is very helpful. I will change the section to essay on truthfulness Awards,and I’ll change the information as you have suggested above. I really appreciate you! Thank you very much.
When adding shows to your CV, should you separate juried shows from exhibitions? Does it matter and how should you separate them? I know that separating solo shows from group shows is done, but I am wondering specifically about juried (and, now that I think about it, un-juried — but that would make it more of essay neighbor paper just a group exhibition, no?) shows. Thank you. If you want to note that certain shows were juried, I would just put a note at the end of those entries.
For example: 2013: “Portraits” at the Downtown Art Gallery (juried) “Landscapes” at essay West Art Gallery. “Abstracts” and ways an essay, East Art Gallery (juried) I think if you were to separate juried shows into their own section, it could get too confusing for a reader. Hope that helps! Hi! Thanks so much for this CV advice, v helpful! I have a question aswell. Would you include web-based magazines under “bibliography”?
And in that case, how would you write it? If you would like to include web-based magazines or publications on essay on truthfulness your CV, go ahead. You can list them along with the ap world other items in your bibliography, and just put ” (online) ” or similar at the end of the listing. I’m sure web-based articles and reviews haven’t always been appropriate for CVs, but obviously things are changing. Any important articles and reviews, online or otherwise, should be included. Hope that helps!
Thanks very much for your help! Am struggling with my CV, and on truthfulness, realized Ive been in some magazines that have both a paper-based article and to communication, the same article online, so just thought I could refer to the online article as it would be easier get a hold of. In that case, you could add “(also available online)”? Perhaps that would make it clear to the reader. Thanks so much for essay on truthfulness your help with this! If I had a collaborative piece in a group show in a museum, how do I indicate that I was one of a number of people who produced the piece, or do I need to?
You could list it like this: 2013, Group Show, Museum of Modern Art (artwork in collaboration with Andy Warhol and Jackson Pollack) or if you don’t want to persuasive speech list the essay on truthfulness other artists (there’s too many, or you just want simplicity), you could simply put: 2013, Group Show, Museum of to communication Modern Art (collaborative artwork). Hope that helps! If you show and sell in artist markets do they go in essay on truthfulness the Exhibitiions section? Should they be in a separate section ie; Markets. Essay! Many of the markets I have done over the past year were juried. Hi Leslie, usually you would not include markets in the exhibition section, even if they are juried. Essay! You could include them in their own section if you would like to abuse include them on your CV, but I would say only do this if you are submitting your CV for essay on truthfulness commercial purposes, ie applying to good report websites a different market.
Thank you for on truthfulness sharing this information and good report websites, displaying it in such an easy to on truthfulness follow fashion. Hi mate, do you suggest a cover letter with your cv? Thank you for this, I had done mine like a job CV until I found your post. To Write An Essay Yourself! I do not have a lot of essay on truthfulness shows on my CV, but I have made the most of it with your advice. Thank you. Hello and thank you for good report websites the information you’ve shared. However, I’m someone who has had a career in producing and on truthfulness, promoting the art of essays smoking others. I recently found my own ‘voice’ and am trying to establish myself. Essay! My work is abstract photography and I’ve been approached for some rather large projects in to communication Problems Saudi Arabia, here in Los Angeles and in NYC. On Truthfulness! I’ve had an article written on me by a design magazine.
I do have work in private collections in London, New York, Jacksonville, Dallas, New Orleans, Provincetown and good websites, Los Angeles, as well as shows in a couple of smaller galleries here in Los Angeles, but I can’t seem to land gallery representation. I’ve created an EMK (electronic media kit) to use to begin cold submissions to essay galleries. I just was curious what input or advice you might have for me going forward. I appreciate your time and attention. Robert Madden.
I would suggest, if you haven’t already, researching the mandates or programs of galleries before submitting. Abuse! This could be online, or simply a phone call asking if galleries are accepting submissions, and on truthfulness, what exactly they are looking for. Hopefully you can then narrow down the list of galleries you are approaching. Of course, acquiring gallery representation is Solutions to communication not easy for anyone. Stay persistent and keep working on essay on truthfulness your own projects and alcohol conclusion, exhibitions–good things will happen. Hi dear,Thanks for sharing this format,I tried my best to essay on truthfulness made the essay neighbor most of it with your advise. I have attended some workshops by some well known artists. Essay! Should I include this under education or leave it off the CV. Including the ways to write about yourself workshops would be appropriate in the education section as you suggested.
Thank you so much for this. Even the comments under specific questions asked by others has been helpful. I appreciate your efforts. I unfortunately have no formal art training (I can not afford to attend art school) and on truthfulness, I am near completion of my first collection (it is a mixed media project that focuses on essay neighbor paper the use of essay green army men in each piece). I recently discovered a not for profit gallery in essay neighbor paper my area that are taking submissions. I have a few pieces that I want to submit, and I have been racking my brain on what to essay place in my resume since I have not sold any work, presented it anywhere, I have yet to conclusion place any work on a website. Essay On Truthfulness! Could you please assist me? Thank you in advance. I also would like to ask if it is strange for an artist to work on Solutions Problems a political body of work (as my toy soldier piece is), and then jump to a humorous body of work, and back to something political in nature, and essay on truthfulness, anywhere in between? I can not think of any artist that have done that. Essay Ap World History! I always make notes of essay ideas for bodies of works that I’d like to create (many tend to to write an essay be of essay a conceptual nature), and I have realised that many of my ideas don’t fit into a mold that would categorize me as a person making a particular type of work.
I ask this because, at abuse conclusion some point, I would like to work on a humorous body of work after I feel ready to move on from this project. The best I can do for your is included in my newest post, which offers suggestions for if you need to essay write a CV and don’t have much professional experience: https://thepracticalartworld.com/2013/04/09/how-to-write-an-artists-cv-when-you-dont-have-much-or-any-professional-experience/ Alternatively, depending on what is required of you for your submission, you could include a cover letter indicating that you do not have a CV as you are a new and emerging self-taught artist. In terms of the art itself, honesty is always visible. If you make work that matters to you, whether it’s serious or humourous, that’s the best anyone can do.
Thank you so much! Recently I took part in a photo competition organised by a local independent art gallery. I didn’t win first prize but I was one of the runner-up(finalists). Can this be included in my CV? If so under which (specific) category?
If am applying for transfer of article ship in any firm where should i mention experience details.In experience column or any other place as the reason for transfer. What a fantastic resource. Speech Smoking! Thank you! My issue is that I’ve taken about 10 years off to raise my children, so all of my dates are really OLD!! I’d like not to on truthfulness include any dates on exhibitions or education or anything – what do you think? I feel like I am still emerging, and yet the dates would say otherwise (ie: undergrad in good book websites 1985-1991, grad school in 1993/94, etc…) How would you include a publication you produce? I have been publishing and selling a calendar of my mandala art since 1997. Do I include that? How is the essay best way?
You could list them under the heading “Publications” The format beyond that is up to you, but for essay paper an example you could do something like: 1997, “Michael Lukacsko” published by Mandala Art. If there are any essays or authors, you could list them also. Hope that helps! Thank you so Much. You helped me a lot.
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The part about the on truthfulness CV always had me worried. Now I know what I need to do. #128578; Reblogged this on sallyann16 and persuasive, commented: Wow. This is on truthfulness brilliant.
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loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyways, superb blog! First, this information is so very helpful! Many thanks!! Secondly, I’m an 2003 history emerging artist, so my CV is in the “sparse” stage. I’ve had two projects in which people commissioned me to create art work for covers.
One was for essay on truthfulness a published book of poetry, the other was for a music CD. What title would I list these 2 projects under? I’m truly enjoyng the design and alcohol abuse essay conclusion, layot of essay your blog. It’s. a vety easy on the eyes whicdh makes it much more pleasant for neighbor mee to come here and visit. more often. Did yoou hire out a designer to essay create your theme? Quality posts is the crucial to essay conclusion be a focus for the visitors to go to see the site, that’s what this website is providing. Greetings!
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In regards to the education section, I have a multimedia illustrator professional diploma from Defense Information School, would it be helpful to essay list it? I have been an artist for years and I still don’t have a comprehensive cv. I would also advice including links for your online portfolio i you have blogs or a website. Essay! It would be useful and convenient for employers if they will just type the links and get an idea of what you can do as an artist. Nice advice! Keep it up! I will try to apply including to links for my future resume drafts. #128578; BTW, good job for this article. Essay On Truthfulness! I really enjoyed reading EVERY BIT of advice written herein. Book Report! For more advice on essay on truthfulness resume writing, I would like to recommend http://www.resumeprime.com/. Hi, Carrie Fox.
Thanks for commenting. I really find the website you have given very useful. Just contacted them a while ago and they are really great and speech essays, awesome. Thank you once again. Aw, this was an incredibly good post. Taking the essay on truthfulness time and actual. effort to make a superb article… but what can I say… I hesitate a whole lot and never seem to get. nearly anything done. Hi, this is the most useful site i have come across for to write an essay about advice on writing an artists cv– So thank you for that! I have a question. I come from a background in Animation, i studied a postgrad in it, and prior to that a degree in Graphic Design but in essay on truthfulness the last few years i have chucked animation in to be an artist.
I have several exhibitons, but am wondering if it is ok to put that i occasionally teach with a group of to write about kids once a month animation at essay on truthfulness the BFI (British Film Institute), or does this sound unproffesional. Also i have an award from years ago from RSA for speech essays smoking a short animation film i made…it is ok to include this in on truthfulness the CV. I also developed a childrens animation series and alcohol essay, was creative director at a major tv company in the UK a while ago but am concerned that if i put all this in this CV it will be too long and not sticking to the field i am now involved with. I am just checking with you really, I was thinking of putting the awards only and if anyone wanted to on truthfulness know more about my experience as an animator treat it as a seperate subject or CV?? thanks in advance for your advice. I am applying to do an artists fair. Problems! Regards B. I think if you create a heading on your CV called “teaching” and put your BFI experience under, that would sound great. It doesn’t matter that it’s in animation—teaching is a good thing to put on essay your CV if it’s in an arts-related field, which this is. I would agree with you that the award should be included, as it is an award you won for a personal creative project.
I would also agree that the neighbor paper TV company experience should not be included, as that would be more of a work resume item. I hope that helps. Cheers! that’s great- thanks for that. One other quick question. I know that nowadays it is essay not compulsory to essays smoking put your date of birth on a CV- at on truthfulness least that is the essay ap world history case in essay the UK- due to ageism! would you think that for an artists CV this is necessary though? My thoughts are that it might be needed for say selling something in an auction, or on an artists biography, but why should this be on a CV necesarily….? If it is a necesity could you let me know and i will put it, but I do not agree with it personally! I think it is report websites often done, but not compulsory. Wonderful article!
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Thanks for providing this info. I have (finally) joined a gallery that is asking for an artist resume – I have a bio, but this will be my first artist resume. To Communication Problems! Your outline makes it look like a very doable task. I have one question – the gallery has asked for my website. My site is a with a POD (print on essay demand) group – I have my own page and only my work is represented. Would it be ok to use that site or would it make me look “unprofessional?” I’m not that familiar with POD websites, but it sounds like you are hesitant to alcohol abuse essay conclusion share your site because you think it would be unprofessional compared to your representing gallery. On Truthfulness! If this is the case, why not make a new site that is conclusion only your portfolio of on truthfulness works?
Thanks for getting back to me, I’ll get to work on that page! Hi! This is my 1st comment here so I just wanted. to give a quick shout out and say I genuinely enjoy reading through your. posts. Solutions To Communication! Can you recommend any other blogs/websites/forums that go over the same subjects? very helpful … but a lot of differences with other cv examples. Reblogged this on My Blog. Hi there, I wish for essay on truthfulness too subscrib for alcohol this website to obbtain hottest. updates, thus where can i doo it please assist.
Hi there, thanks for posting this and helping all of us artists. I have a question, how would you include artwork produced that was not for an article/magazine, but a poster for a play? Where does this fall under? Hi Kirsty, there’s no rule for this but I would suggest a heading like “Projects” where you can add all of your published works or other projects. What’s up friends, how is the whole thing, and what you desire to say regarding this post, in my view its really awesome designed for. Very great post.
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Reblogged this on essay on truthfulness Greta Laundy Art and to write yourself, commented: Useful information. Very similar to essay on truthfulness NAVA’s suggestions. Thanks, but i have a question. what if i am currently working with the people of my field(let say engineers) but as a creative team. shall I still not have to mention my engineering degree in my CV? i’ve had my art featured in several independently published zines and online magazines, how should i feature that in essay neighbor my CV?
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Adderall , Amphetamine , Attention-deficit hyperactivity disorder 2547 Words | 6 Pages. Adderall: A College Student’s Friend Or Foe. Park Dr. Tom Herron English 112-900 27 March 2014 Adderall : A College Student’s Friend Or Foe How do college students make complete so . much work on such a short notice? Are there ways to cope with the stress?
Is there some little pill that can be taken to “boost” one’s energy or focus to complete all the assignments? These are just a few of questions that someone might ask himself or herself prior to attending a college or university. Adderall is drug labeled as an amphetamine, meaning it has addictive. Problems! Adderall , Amphetamine , Attention-deficit hyperactivity disorder 1808 Words | 6 Pages. Piasecki Engl 2030-018 3 May 2012 Adderall Abuse in College Students The diagnosis of Attention Deficit Hyperactivity Disorder . (ADHD) to people in the United States has risen dramatically in the past decade. Essay On Truthfulness! The US is in the lead globally as far as the amount of people doctors diagnose with the to communication Problems disorder and prescribe stimulant medications to on truthfulness, (Diller). One of the consequences of this increased diagnosis is a significant increase in the amount of abuse of the essay neighbor paper drug Adderall by college-aged students. Across. Adderall , Amphetamine , Attention-deficit hyperactivity disorder 2719 Words | 10 Pages. History of on truthfulness, Adderall and yourself, Its Usage. On Truthfulness! Literature Review History of Adderall and its Usage According to speech smoking, DSM-IV (2005), Attention Deficit Hyperactivity Disorder (ADHD) is defined . as “persistent pattern of on truthfulness, inattention and/or hyperactivity-impulsivity that is more frequently displayed and is more severe than is typically observed in individuals at abuse essay, comparable level of development.” A recent study suggests that 9% of U.S. school-aged children (3-17) are diagnosed with ADHD (US Centers for Disease Control and Prevention, 2010).
At first. Adderall , Amphetamine , Attention-deficit hyperactivity disorder 2165 Words | 7 Pages. Essay! ? ADDERALL Adderall : Life or Death Name School Professor Subject . Adderall : Life or Death While many physicians and psychiatrists are recommending the use of adderall to treat patients who are suffering from psychiatric or mental diseases and narcolepsy, medical reports also indicate deaths related to the use of the good book said drug. In 2005, the essay on truthfulness Canadian government suspended the persuasive selling of adderall in the market after 20 international reported deaths of children. Adderall , Amphetamine , Attention-deficit hyperactivity disorder 2508 Words | 8 Pages. Essay On Truthfulness! Adderall is an amphetamine based stimulant that targets your frontal lobe to increase productivity in cognitive thinking and learning. Persuasive Essays! This . drug was invented in 1986 and introduced into the market of prescription drugs four years later.
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Doctors and. Adderall , Amphetamine , Attention 2313 Words | 6 Pages. The Progression of Amphetamine Usage. continue to manufacture 88% of the on truthfulness world’s legal stimulants. This paper will examine the history of use of amphetamine and neighbor paper, some important derivatives . throughout our society and on truthfulness, then look at drugs such as Vyvanse, which is persuasive smoking, one attempt to diminish the on truthfulness abuse liability and essay paper, possibly enhance therapeutic quality. History and Cultural Significance During the late nineteenth century, the Romanian chemist L. Edeleando was the first to synthesize amphetamine, and note its similarity to the natural product.
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Abuse , Animal control officer , Animal cruelty 2236 Words | 10 Pages. Prescription Medicine Abuse on the Rise. The Rate of Young Accidental Overdoses have Recently Increased Because Prescription Medication Abuse is Now on the Rise. 2003 Ccot Essay Ap World History! Why are prescription . medications quickly becoming the most abused drug throughout today's youth. Essay! Dr.
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Introduction Adderall is used in the treatment of Attention Deficit Hyperactive Disorder, but has been abused in many circumstances. ADHD . has been known to produce certain symptoms, which can have serious negative effects. Essay! Adderall helps in abuse the reduction of these symptoms. Essay! However, the addictive nature of Adderall has made it one of the abuse essay most abused medications without prescriptions from medical practitioners. Adderall has, nevertheless, been used effectively as attention stimulant that helps. Essay On Truthfulness! Addiction , Amphetamine , Attention 1586 Words | 5 Pages. Ill Effects of Elder Abuse With the thought of our grandparents, one commonly thinks how the end of their lives will be handled, and how . they will be taken care of in good book report websites the event that one cannot provide care. Essay On Truthfulness! In most cases, this means placement into a nursing or elderly care facility, but with these come the deadly possibility of elder abuse . Essay! Statistics about elder abuse show: “30% of nursing homes in the US- 5,283 facilities- were cited for essay, almost 9,000 instances of ways yourself, abuse over a two year period”.
Abuse , Care of residents , Geriatrics 1098 Words | 3 Pages. Essentially, the essay term abuse is an issue facing the nursing profession today. Many unreported cases of encountered verbal and physical . abuse have been found to be ample in essay ap world acute and complex care settings. These cases are amongst professional individuals (nurse-nurse and nurse-physician abuse ) and also among the patient abusing the nurses. Effectively, abuse is not only a Canadian issue. It has been reported internationally as well.
Thus, many nurses today are lobbying for the decrease of abuse within health. Abuse , Health care , Health care provider 2320 Words | 7 Pages. Abuse of on truthfulness, power in persuasive speech the workplace Dear Colleagues, This brochure deals with a very sensitive subject – abuse of essay, power in the . workplace. We all know that conflicts at work are normal in any situation where differing opinions are held or expressed. However, the abuse of power is something altogether different: it is a form of behaviour that is damaging to individuals – and therefore to essay neighbor, Roche. With this brochure we want to demonstrate that abuse of essay on truthfulness, power in the workplace will not be tolerated at Roche. Ap World History! Abuse , Basel , Bullying 1037 Words | 5 Pages. occupational fraud and abuse on the company.
The effect of occupational fraud and abuse on the company Occupational fraud and abuse is essay, defined as “The use of one’s . occupation for personal enrichment through the deliberate misuse or misapplication of the 2003 ccot employing organization’s resources or assets” (2012 Report To Nations On Occupation Fraud And Abuse , 2012). Occupational fraud entails deceiving employing organization to obtain resources or assets for essay on truthfulness, personal gain and smoking, abuse involves misapplication of the essay resources provided by the employer. Abuse , Bullying , Circumstantial evidence 959 Words | 3 Pages. seemed like an average, ordinary man. One night however, he was accused of good book report websites, splashing beach on a small dog, and wrapping the dog’s mouth with duct tape. His . goal was to on truthfulness, discipline the dog. Gonzales was caught and arrested for abusing the report websites animal. Animal abuse is an on truthfulness occurring problem in the U.S.
But can be prevented if we take action. Robert Gonzales is only one of many people to commit animal cruelty. Kevin Brunson was also accused of good book report, harming an animal. Essay! He starved his dog, Rambo, until he weighed only. Solutions! Abuse , Animal cruelty , Animal welfare 2060 Words | 5 Pages. In short, I would like to emphasize on the importance of moral values in human. Every human in this world is equal; every living creature deserves a proper . respect from others. We evade animal abuse in this society and on truthfulness, same goes to human being. A maid has no difference with us, they too have their own family. They came all the way from their home country to Malaysia mainly (is to good websites, work and to earn money to raise their own family.) Indeed they should be treated as part of essay, our family as well rather. Report Websites! Abuse , Butler , Domestic worker 2448 Words | 6 Pages. of abuse involves purposefully inflicting harm on an animal.
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The definition of essay, Federal Child Abuse Prevention and Treatment Act: Child abuse is any action from adult to a child that can be harmful to the child’s body or mental (Children Welfare Information Gateway 2007). In the. Abuse , Child abuse 987 Words | 3 Pages. ? Verbal Abuse Is Still Abuse “Choke” is an ad made by the Euro RSCG Chicago for the Juvenile Protective Association. This ad . Good Book Report! comes from a campaign to stop verbal abuse of children. “These disturbing PSA ads by Juvenile Protective Association visually illustrate that 'Verbal abuse is still abuse .' And unlike physical abuse which leaves visible marks on the outside, you are leaving wounds with your words that may take a young kid a lifetime to heal” (Sleepless in Amman). Essay! The key elements that. Abuse , Bullying , Child abuse 1322 Words | 3 Pages. ?formative assessment feedback form 1.1 1.2-Define the following types of abuse . physical abuse . signs of physical . abuse are Fractures Burns Bed sores Fear Depression Unexplained weight loss Assault (can be intentional or reckless) Sexual abuse Loss of sleep Unexpected or unexplained change in behaviour Bruising Soreness around the ccot essay history genitals Torn, stained or bloody underwear A preoccupation with anything sexual Sexually transmitted diseases Pregnancy Rape – e.g. a male. Abuse , Bullying , Child abuse 1937 Words | 9 Pages. paper child abuse In this research is about child abuse . Essay! Why people do such a thing as abusing child? The thing that they . do can affect a lot of child life. In our society, there are thousand, and thousand of child have been abuse even now. This have happen every years.
The people that abusing the an essay child , make them feel scared or angry,sometime make them want to die.Did you ever see someone use violence, yelling , threatening and ect other people that is abusing .This child abuse is relate. Essay! Abuse , Child abuse , Domestic violence 1057 Words | 3 Pages. Serious failures to protect individuals from abuse . Speech! Castlebeck abuse failings A care establishment called winterbourne view . was owned by on truthfulness, castlebeck care ltd in bristol. Smoking! The establishment was closed down on 24th june 2011 due to essay, systemic failures to protect people. BBC's panorama filmed patients being pinned down, slapped, doused in cold water, and repeatedly taunted and 2003 ccot essay ap world, teased despite warnings by the whistleblower. A senior nurse had alerted the care homes management and the CQC on . Abuse , Care of residents , Failure 586 Words | 3 Pages.
Running head: CHILD ABUSE Title- Child Abuse SENTENCE OUTLINE TOPIC: Child Abuse TOPIC SENTENCE: . Child abuse is any act or inaction on on truthfulness, the part of to communication, a parent or caregiver on a child 18 years and under. THESIS STATEMENT: The UK Guidance working together to safeguard children 2010, says that, child abuse constitutes of on truthfulness, neglect, emotional, physical, and sexual abuse . SUB TOPIC |. Abuse , Child abuse 1555 Words | 5 Pages. Persuasive! Abuse Reporting Paper In 1962 the Department of Health, Education, and Welfare’s Children’s Bureau, now known as Health and essay on truthfulness, Human Services, . began to to write about, develop measures to protect children from abuse , neglect and mistreatment by establishing the procedure and essay, framework for speech smoking, reporting abuse and developing the laws and regulations governing the prevention, education and protective actions enforced in the arena of child abuse . By 1967, state laws were established requiring professionals and public agencies. On Truthfulness! Abuse , Child abuse , Law 1212 Words | 4 Pages. Child Abuse and Neglect through Church and Social Service April 21, 2013 One of the major problems which faces societies in our . days is persuasive essays, child abuse and neglect. This problem has always existed, but it is now that scientists are beginning to discover the disastrous results that it leads to. Neglect and abuse are the same, expect in on truthfulness one major difference. While the damage is not intended in the cases of neglect, it is intended in the cases of abuse essay conclusion, abuse (Griffin, 1992). By definition, neglect. Abuse , Child abuse , Domestic violence 1746 Words | 6 Pages.
problems in the American society, child abuse is one of the essay on truthfulness most devastating issues that result in people, and more specifically children, with . a traumatized past, shattered dreams, and more often than not, fatal consequences. National statistics on persuasive speech essays smoking, child abuse reports just about five deaths a day among neglected and abused children. According to a 2009 statistics, there were 1,770 deaths reported as a consequence of child abuse and neglect. The issue of child abuse and essay on truthfulness, neglect is a crucial one, as it. Abuse , Child abuse , Domestic violence 1549 Words | 4 Pages. awareness OF ANIMAL ABUSE Recently, a video of abusing turtle is spreading through the Net. The increasing seriousness of animal . abuse has aroused the Problems attention and concern of the general public, including pet keepers and non-pet keepers. Animals (SPCA), a charity organization aiming at “promoting kindness and preventing or suppressing cruelty to animals”, was interviewed to essay on truthfulness, share about this issue. Miss Rebecca Chan, the promoter of SPCA, talked about three aspects about animal abuse during the phone.
Abuse , Bullying , Child abuse 1390 Words | 5 Pages. Lexi Combs February 19, 2014 Christian TriolaProtecting those can’t Protect Themselves In the good book report websites United States, a report of child abuse is . made every second. Even worse than that, more than four children die per day as a result of child abuse . So why were these children not saved? Not all acts of child abuse are reported, even when someone notices it. Maybe it is because they do not want to jump to conclusion or they are scared. But imagine being that child, and how scared they are. Essay! Wouldn’t you. Abuse , Child abuse , Domestic violence 1126 Words | 2 Pages. easily increasing their stand- ard of Problems, living, while reaffirming their position of power over the woman. Dowry harassment can take many forms, from essay on truthfulness . continuously escalat- ing demands during the ways about arrangement of the marriage, to the verbal and physical abuse of the bride after her wedding, to pressurizing her to on truthfulness, bring a bigger dowry from her family. Even as society grants more economic freedom to women, dowry-giving continues to be a part of the Indian way of to write, life, and its social externalities continue.
Abuse , Bride burning , Dowry death 2224 Words | 6 Pages. ?Prescription Drug Abuse Millions of essay on truthfulness, people throughout the world are taking drugs on a daily basis. If you were to speech essays, ask someone why they . take prescription drugs, most people would be taking them for the right reason. However, it’s estimated that twenty percent of people in the United States alone have used prescription drugs for non-medical reasons.1 Prescription drug abuse is a serious and growing problem that often goes unnoticed. Abusing these drugs can often lead to essay on truthfulness, addiction and even death. Good Book Report Websites! Addiction , Drug abuse , Drug addiction 1513 Words | 2 Pages. ? Abuse and Responsibility Child abuse has been and continues to be a problem in the United States. What exactly is child . abuse ? There are five main types of abuse : emotional, neglect, physical, sexual, and child endangerment. Essay! Emotional abuse entails actions such as “verbally assaulting and over pressuring children” (“Preventing Child Emotional Abuse ”). Abuse through neglect occurs when “a child’s basic needs, such as clothes, food and shelter, are not met” (“Child Abuse ”). Physical abuse is “intentionally.
Abuse , Child abuse , Domestic violence 2693 Words | 9 Pages. Abuse and Neglect in Problems Long-Term Care. Abuse and neglect in long term care facilities Arminda Carroll RES/110 9/23/2010 University of Phoenix A long term care . facility is housing for the elderly and disabled that are not capable of residing in a home of on truthfulness, their own. “There are nearly 17,000 nursing homes in speech smoking the United States with a total of 1.6 million residents, and numbers are expected to essay, quadruple to 6.6 million residents by 2050”(Dehart, Webb Cornman, 2009 p.361). Subsequently, there is abuse that takes place. Abuse , Nursing , Nursing home 1426 Words | 4 Pages. PSY1462 Drug and alcohol abuse can happen for 2003 ccot, a number of reasons. Some people grow up around it, their friends do it, commercials . influence them, and rappers rap about essay it. Is it possible that there is a link between drugs and essays smoking, alcohol? Can you be addicted to one and not the essay on truthfulness other, or could it just be isolated to preference of drugs or alcohol?
In this paper, I will give my opinion of children of substance abusers and the abuser, and ways, a peer reviewed article on essay, substance abuse . When alcohol and drugs. Abuse , Addiction , Alcoholic beverage 1193 Words | 4 Pages. pattern of to write an essay about yourself, child abuse and neglect? This extremely complex question has proven to be a great challenge to explore. I have had discussions . with my friends and people that I know analyzing and developing a wide range of possible solutions to essay, this problem. In the following paper, I will present the problem in ways an essay about more details and the various solutions. Child abuse in today's society is a very sensitive topic. On Truthfulness! Categories of child abuse include physical abuse , sexual abuse , psychological abuse , and general.
Abuse , Child abuse 1413 Words | 4 Pages. Child Abuse Child abuse is a very serious and controversial issue that is essay conclusion, escalating in on truthfulness today's society. As . we look back to the 1940's and 1950's, it was almost unheard of to let anyone outside of your immediate family know anything about your personal life. Every family was thought to be, or shown to the general public to be, the perfect family. Some schools had the authority to punish a child by either spanking them with a paddle or hitting their knuckles. Abuse , Child abuse , Neglect 827 Words | 5 Pages. Cyberstalking: Abuse and Law Enforcement.
cyberstalking are being reported each year Over 90% of victims are women It is 2003 ccot essay ap world history, estimated there may be as many as 500,000 online victims each year Examples . of essay, Cyberstalking • • • • • • • Threatening or harassing email “Flaming” - online verbal abuse Mass unsolicited email Identity Theft Leaving improper messages at guestbook’s or newsgroups from the victim Initiating directed computer viruses Email forgery - sending false or damaging email from the victim - usually to people they know like co-workers. Alcohol Conclusion! Abuse , Bullying , Cyberstalking 1346 Words | 5 Pages. your neighborhood. By being aware, you're more likely to notice, for example, that the dog next door who was once hefty has lost weight rapidly—a possible . indicator of abuse . 3. Make the call. Essay! Without phone calls from concerned citizens who report cruelty in their neighborhoods, we wouldn't know about most instances of animal abuse . Good Websites! It all comes from the public, it all starts with YOU—that's why it's so important to essay on truthfulness, keep your eyes and ears open. 4. Provide as much as information as possible when. Abuse , Animal control officer , Animal cruelty 1005 Words | 3 Pages.
Animal Abuse: a Cruelty to Animals. Animal Abuse 1. 2003 History! In some circuses, wild and exotic animals are trained through the essay use of intimidation and physical abuse . Former . Ways! circus employees have reported seeing animals beaten, whipped, poked with sharp objects and even burned to force them to learn their routines! 2. Elephants who perform in circuses are often kept in essay on truthfulness chains for as long as 23 hours a day from the neighbor time they are babies. 3. More than 25 million vertebrate animals are used in testing in the United States each year. When invertebrate.
Abuse , Animal cruelty , Animal rights 1379 Words | 4 Pages. Informative Speech Assignment Animal Abuse. ?Alyssa Brown COM 101 Informative Speech Assignment I. Animal Abuse Purpose: To inform the audience about animal . abuse . Thesis: Animal Abuse is a constantly growing issue and today I am going to provide you with some information on where it stems from and how to prevent it. Organizational Pattern: Topical I. Introduction A. Raise your Hands if you have had a dog or cat at some point in your life. B. Animal abuse is devastating. Every year animal shelters and authorities are rescuing. Abuse , Animal cruelty , Animal rights 1136 Words | 3 Pages. PHYISCAL ABUSE • WHAT IS PHYISCAL ABUSE AND WHAT IS THE SIGNS AND SYMPTONS • Physical abuse can be when someone is . Essay On Truthfulness! being hit, kicked, force feed, being restraint. • The signs and to write, symptoms can be bruising or other unexplained injuries i.e. broken bones. • Physical abuse is abuse where there is essay on truthfulness, damage to physical features of the body which can be bruises and broken bones ETC.
SEXUAL ABUSE • WHAT IS SEXUAL ABUSE AND WHAT IS THE SIGNS AND SYMPTONS • Sexual abuse can be when someone touchs you. Abuse , Child abuse , Neglect 786 Words | 11 Pages. ?Circus Elephant Animal Abuse Problem The day had come when little Timmy would finally get to Solutions Problems, go to the circus. Essay! He was so eager that he was . the first one out of ways an essay yourself, bed that morning. Too excited to essay on truthfulness, even function, Timmy ran to his parents’ room and jumped on this parents shouting for them to get up. His parents moved sluggishly to the bathroom and got ready to go to the circus as Timmy chattered on about what animals they were going to see that day. Timmy was mostly excited to see his favorite animal.
Abuse , Animal training , Circus 1607 Words | 5 Pages.
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Each section gives an Solutions example of what you should write. Our guide also includes example graphs and charts, so that you are aware of the types of financial calculations, plans, and essay, forecasts that a plan should offer to attract investment. For guidance on what you should include in your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and speech essays smoking, 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 on truthfulness, your company’s success. A solid plan is necessary to help found your company and ensure that your goals remain on track over time. Persuasive? Your plan can and will change as you encounter the unpredictable variables that come with starting your own company.
If you have an existing company, crafting a solid plan is equally important if you’re hoping to on truthfulness, attract investment and expand your company beyond the limits you’ve already reached. Your business strategy should account for to write an essay yourself the next 3-5 years in advance, and cover every aspect of on truthfulness your industry, including the critical relation between marketing and sales to your company’s finances. Your plan should include the following sections before you submit it to investors. Click each accordion to read a how-to guide for alcohol abuse each chapter: “How to Write a Business Plan” Table of on truthfulness Contents: How to good report, Write the Executive Summary. The executive summary contains all of the essential information about what makes your business strong and worthy of investment . It covers the major highlights of the on truthfulness rest of 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. If you are seeking financing, the executive summary is your first opportunity to grab a potential investor’s interest. The executive summary will be the first chapter of your business plan, though it’s actually the good book report last section that you should write . First, you’ll need to do heavy research to ensure that your plan is sound before you can write the executive summary. This section will be different depending on if you are an essay established business or a new startup. A startup company’s executive summary will need to be interesting and convincing to capture the essay paper attention of investors.
Your company will lack the essay historical data and trends that existing companies are able to ccot ap world history, provide, but there are strategies to mitigate these factors. First, you’ll need to essay on truthfulness, briefly explain who you are, the background of your management team, and your reasoning behind starting a business in your chosen niche. Secondly, you’ll need to demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is Problems, cheap – do you have the data and analysis to on truthfulness, back up your claims? Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. We suggest the following basic template – feel free to add or subtract sections according to to communication, your own needs:
Summary Management Team Products and Services Customers Marketing and essay, 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 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 Problems, the success of the organization. Keep this section brief, as you will go into more detail in the Products and Services section.
Products and essay, Services. Describe the products and services you are providing and Solutions to communication Problems, 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 on truthfulness, 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 alcohol abuse essay major points in the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the most important points from the Financial Plan section here. This should include your sales forecasts and projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to turn a profit . If you are an existing company, highlight past financial performance.
7. Financing Requirements (Optional) Summarize the amount of on truthfulness equity and/or debt financing that you are seeking, when you need it, the use of the funds, and when you expect to reach your next milestone event and/or start paying back the loan. Persuasive Speech Essays Smoking? 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 . Essay? In particular, complete the essay ap world history financial planning process before attacking this section. Only then will you be able to essay, 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 good book, important, because introducing the management team is critical for both start-ups and essay on truthfulness, established companies alike. To Communication? 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 essay, approaches on how to ways an essay about, lay out the various components of a business plan. On Truthfulness? Our approach for Solutions to communication the company overview section is to provide the reader with the company’s legal information, address and a brief description of the company’s history. Since there are follow up sections in this chapter that over 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 on truthfulness, best determined by a credible Attorney.
The primer below is meant only to essays, 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 essay unincorporated business by him or herself.” While the most simple to persuasive smoking, set up and the most common, there is a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and they sue you because they found a hair in it, and you lose in court, the creditors can legally go after your personal possessions – such as the roof over essay, 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 Solutions, 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 on truthfulness, file dissolution documents if dissolving the essay neighbor partnership.
However, similar to sole proprietorships, partners in on truthfulness, a partnership have unlimited liability for the company’s debts and liabilities. Limited Liability Partnerships (LLPs) LLPs are different from traditional partnerships in ways to write an essay about yourself, that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times “silent partners” that wish to invest in the venture but limit their exposure to on truthfulness, liability. A corporation is a separate legal entity owned by book websites shareholders. A corporation is commonplace for on truthfulness businesses that anticipate seeking venture capital financing. 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 IRS to conclusion, 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 essay on truthfulness company you plan to abuse, open, along with the on truthfulness registered name you plan to speech, use. Explain your rationale – for example, if you are starting a company where you plan on essay, seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on this legal structure. If you have a home office/no dedicated business address. Include your current office setup and your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the Management Team section is especially critical.
With the lack of history, there is little investors can go by to gauge the good book 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? 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 Management Team that are not relevant to the reader.
Everything presented should reinforce why your team is the 2003 ccot essay right team to execute on the company’s vision. If you have an established business the information you want to present is the same. Keep in mind, however, that you also want to demonstrate that your team has the capability to on truthfulness, manage growth of the company. As a company grows from ccot essay ap world, start-up to established business, the management team must also change. 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 is the on truthfulness highest authority in the management of the company. For our purposes (context of persuasive speech essays 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 essay, industry experience. A Board of an essay about yourself Director’s typical responsibility is to essay on truthfulness, set broad policies for the company, determine compensation for neighbor company management, and approve annual budgets. An advisory board is essay on truthfulness, 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 an essay about yourself, are willing to on truthfulness, play a role in your company . While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the member is committed to your company. Tips on alcohol abuse conclusion, 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 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 on truthfulness, 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 ways to write an essay about yourself, 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 on truthfulness, 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 essay, already in on truthfulness, existence and has trading history, then you may also secure a loan off of your receivables. In contrast, equity financing is ccot essay ap world history, essentially you exchanging a stake in your company for a specific sum of money from an investor . Essay? Therefore, the amount you are able to raise from alcohol abuse conclusion, investors comes down to how much they value your company. Essay? 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 ccot ap world history 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. Essay On Truthfulness? 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 Solutions, 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 on truthfulness general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to grow revenue and/or profitability. Cool idea, how do you make money with it? / How much money do you need, and why and to write an essay about, when? The financial statements provide the answer to the first two questions (which is on truthfulness, why we recommend you complete your plan first). Persuasive Speech Essays Smoking? To answer how much money you need, analyze the cash flow statement to determine the essay 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 persuasive speech smoking end of the day it really comes down to on truthfulness, what an investor thinks your company is to write about, worth (which is more art than science). Essay? However, there are three popular methods of valuing a company that can help you come up with a valuation to essay, facilitate the negotiation. Cost approach (asset based approach) The cost approach seeks to determine a company’s value by analyzing the market value of essay its assets. In other words, in this approach the company is worth the sum of all its assets if they were to ways to write an essay, 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 essay going concern value (present value of future cash flows generated by 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. 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 about yourself, time and then placing a value on that future stream of essay 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 good report websites, the loan’s interest rate and payment schedule. Essay? Make sure you will be turning a profit that is both large enough and soon enough to ensure there is ways an essay yourself, no delinquency on essay, 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 pay back the 2003 essay history loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the essay on truthfulness funds. The level of Solutions to communication detail should be at a high level ; if the investor or lender wants to see expenses in more detail that will be available in the Appendix within the Profit/Loss statement. Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000.
If based on on truthfulness, your financial model you anticipate relatively small yet variable expenses month to month, a line of essay neighbor 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 how much you can borrow, the essay major exception that since you may be able to secure the Solutions 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 essay Quick Start guide and practice that exercise. Depending on ccot essay, your company, there are various exit strategies available, including: Selling your business Passing it down through the family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section.
Angel investors and essay on truthfulness, VCs demand a large return on Solutions to communication Problems, their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on how you intend to sell the company or take it public. Demonstrating a large market opportunity. If investors are going to take a big risk, they demand a big return. You need to essay on truthfulness, demonstrate your business has the potential to either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to Solutions Problems, invest in. Solving a larger company’s problem. If your exit strategy is to essay on truthfulness, 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 Google Maps. Solutions To Communication Problems? If your company can help Apple improve its software, your company would become an attractive acquisition target. The mission statement reflects the core purpose and vision of the company. 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 culture/vision/purpose. Examples of Fortune 500 firms that really get it right: A. BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: “To discover, develop and deliver innovative medicines that help patients prevail over serious diseases.” Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for essay on truthfulness 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 essay neighbor easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the essay on truthfulness company has managed to (1) describe what it sells (2) how it will win in the marketplace.
It is a pharmacy retailer and it will solely focus on making itself easier for the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to improved customer service within their stores). Example of poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to to write an essay, the laws of the on truthfulness jurisdictions in which it operates and at all times observing the highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners.
Its objectives are obvious (what company does not want to maximize value) and borderline absurd (are there companies that do not want to adhere to local and federal laws)? Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER. Mission Statement: “ We are committed to Solutions to communication, attracting, developing, and keeping a diverse work force that reflects the nature of essay our global business.” Why its horrible: While a diverse workforce is 2003 ap world, certainly not a bad thing, only stating that as the company’s mission statement is ineffective, lacks direction or focus, and completely misses the point of on truthfulness having a mission statement. This is predominately for ways to write businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on essay on truthfulness, how the persuasive essays 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 on truthfulness, the level of ways an essay yourself detail you want to include. This is dictated by essay the relevancy of the information to the reader and how this information helps strengthen your plan’s ability to 2003 ccot history, build credibility for essay on truthfulness 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 measureable. For example, achieving a working prototype of your product, or getting to break-even, are both huge milestones that showcase your ability to execute and persuasive speech smoking, reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the essay on truthfulness table, the essay history better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of your plan.
Information you may want to include: Size (e.g.; in essay on truthfulness, sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the good websites retail location you have chosen or are planning to choose. Describe the lease terms you are able to secure, and on truthfulness, if there are any laws that protect the Solutions Problems lessee from essay on truthfulness, unreasonable price increases. You can read a detailed article about neighbor paper what to look for in a lease agreement here. Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of electricity and water. Describe how the facility provides the business with these resources.
If the facility is pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an essay on truthfulness 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 essay neighbor paper, 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 essay on truthfulness, financing section of your business plan. Writing the Products and Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to Solutions Problems, help give investors a comprehensive understanding of the bread and on truthfulness, butter of your business.
Your products and alcohol conclusion, services section should include the following sections. Products and Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the lifeblood of 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. features.
What is the Solutions Problems consumer really buying? For example, a person buying a Rolex watch is not only buying a device to tell time, but the essay 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 to write an essay yourself, sell, think through the features it will provide, packaging, design, branding, quality, and other aspects that help position and/or differentiate it from competing products/services. You may have heard the business adage that acquiring a new customer is indefinitely more expensive then keeping an existing customer. One of the essay on truthfulness reasons this is true is the potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about report 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 on truthfulness, stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is Solutions to communication Problems, expressed with a metric called Lifetime Value per customer.
You will complete the price you want to set your products/services in the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to start thinking about how you want to price your products/services. Competitive analysis is an essay extremely useful tool and one that should be revisited often as the persuasive smoking competitive landscape changes over time. It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on how to perform competitive analysis. The Internet makes this much easier then in days past. Some ideas: Google search using keywords that your customers would use to find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to on truthfulness, find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on ways to write, LinkedIn. Not only on truthfulness do you have to paper, worry about current competitors you can see, but you have to be vigilant and be on the lookout for new entrants. For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the likelihood of new entrants high if:
The industry sees high margins (its super profitable) There is unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to start competing) There is future growth potential (such as mobile apps) Much of essay this is alcohol conclusion, 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 essay on truthfulness, managing your suppliers: Cost: This is an obvious one – the lower the alcohol conclusion 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 essay on truthfulness, meet your needs? Fulfillment is simply the process of how your company delivers its products/services, from point of sale to delivery. There are several popular fulfillment options:
Engineer to order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the speech essays product’s design is standardized but manufacture of essay on truthfulness final product is based off of about yourself customer specifications (e.g.; aircraft and yachts) Assemble to order: the product is assembled to on truthfulness, the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the product is paper, manufactured in quantity based on on truthfulness, 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 ways an essay yourself amount of essay on truthfulness inventory you need to meet your projected sales. Too little inventory and book, you may not be able to meet demand. Too much inventory and you tie up all of your cash on excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality. Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software.
QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to manage and maximize your inventory levels. Technology in on truthfulness, today’s business environment is becoming more and more important and serves as a source of competitive advantage. Take Wal-Mart or FedEx as two examples of Problems companies that provide services (low-cost products and essay, shipping), but utilize technology as a critical means of alcohol essay 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 on truthfulness, ship to practically every corner of the globe, seamlessly and with very low error rates. Think about how technology plays a part in your business and if it is Solutions, critical to your business operations. If technology is critical to your business operations, then you must think about your disaster preparedness and contingency planning . Essay On Truthfulness? Depending on your business, you may want to ways yourself, create back-up copies of data and software, routine security checks, and securing physical assets. What would happen if you lost access to essay on truthfulness, the technology?
Think about alternatives that you could utilize. For example, if you license a piece of software and later down the road decide that the cost is too high, is there a competitor who can license you an alternative? If you have exclusive rights to good report, a technology, either through a patent or through an essay exclusive license agreement, this is to communication, a great competitive advantage and essay, 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 to communication, copyright (such as novels and on truthfulness, movies). If you have intellectual property that you want to essay, protect, it is advisable that you seek the essay on truthfulness professional advice of a good Patent/IP Attorney , since this is essay neighbor, a great way to essay on truthfulness, provide a barrier to entry for 2003 ccot essay your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and industrial designs (trade secrets, trade dress). Essay On Truthfulness? If you have any proprietary process or technology then it is recommended that you apply for a patent to essay neighbor, protect your invention. You should apply for a trademark for your company name and on truthfulness, logo as well. Intellectual property type 2: copyright.
These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide. Essays? 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 essay, your employees and contractors. It is just as important to secure your intellectual property in neighbor, relation to essay on truthfulness, your employees and contractors. Everyone should be required to sign an 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 Solutions to communication, ever a conflict as to whom owns a piece of intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to describe the essay on truthfulness product roadmap and strategy behind it . A key concept is that of product lifecycle, which describes the stages of the life of speech essays 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 essay, encourage new customers.
During this phase, you may focus on Solutions to communication Problems, expanding your product to new segments in the marketplace, and expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of on truthfulness your labor. You may add new features to your product to alcohol essay conclusion, 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 on truthfulness, 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 ways an essay about yourself opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of on truthfulness customers are trending in terms of 2003 ccot 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 on truthfulness market overview section you are going to calculate the total market (referred to as Total Addressable Market) for conclusion your products, and then the segment of essay 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. Another way of looking at this is what would be the total market if one company had 100% market share. Once you have the Solutions to communication Problems 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. Essay On Truthfulness? So the 2003 ccot history important thing to remember is to utilize strong sources for your assumptions. For example, lets say you plan to essay on truthfulness, open a high-end steakhouse in downtown Miami. To calculate your total addressable market, you might count how many high-end restaurants are in persuasive, the downtown area and essay, research the average annual sales for each restaurant. Then multiply the two to get the total sales for all high-end restaurants. This would be your total addressable market.
Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture. You might assume that you will take an equal share of the essay 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 essay on truthfulness, 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 cost of switching from one company’s product/services unless it is compelling enough, which is dependent on 2003 essay history, the switching cost.
For example, there is virtually no cost to essay, switch from Coke to Pepsi. On the other hand, there is high switching cost associated with migrating from good websites, 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 on truthfulness, bypass switching costs altogether (in other words, instead of taking customers away from your competitors, you are creating a new market for alcohol your products). Understanding market trends at the macro level is critical for essay on truthfulness various aspects of your business. Abuse? A growing or shrinking market is described in more detail in the market growth section. Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses.
For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is imperative that you are up to date on essay, upcoming changes. For example, the Jobs Act of 2012 allowed for persuasive speech smoking the first time non-accredited investors to participate in private placement of securities. This in essay, turn has created a new market for crowd-funding websites to emerge to connect startups with all types of investors. You may be in an industry where political conditions have an essay neighbor paper impact on the bottom line. For example, if you count the Dept. of on truthfulness Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on 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 persuasive speech, valuable in on truthfulness, ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on paper, a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes.
Keeping an eye on on truthfulness, this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from one time period to the next (usually in years). Neighbor Paper? So if the market in essay, 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 this research. Being able to demonstrate a market is growing is obviously important – for example, the market for ways to write an essay Blackberry accessories is clearly a declining market. Most investors and on truthfulness, lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to essay, grow as those companies continue to add new customers. Your industry is defined as the group of companies that are related to you in terms of what you sell/how you derive your revenue.
For example, Ford and Nissan are both in the automotive industry. Ford and 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 on truthfulness Labor website. Understanding your industry’s dynamics is imperative to 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 entry and low switching costs, then expect increased competition, as there is little standing in the way for new entrants to enter the market and compete. If your industry is supplied by ccot essay ap world 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 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 on truthfulness, the switching costs between them are low, then expect substantial competition. An industry is very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and it is mature with little growth (so the only way to grow is to take a competitor’s market share). Although your product may cater to many different sets of customers, you want to Problems, focus on essay on truthfulness, a select group that will be the most likely to 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 ccot ap world your revenue comes from a small percentage of your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the essay on truthfulness student type that comes in once a month. When you can name your key customers. If you are in a business where volumes are low and Solutions to communication Problems, 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 on truthfulness them separately. If you’ve filled out this chapter, congratulations. Persuasive Smoking? Doing market research and 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 essay on truthfulness the summary-level, as you will go into further detail in the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at neighbor the cheapest price point in the marketplace. There are three primary ways to achieve this:
Economies of on truthfulness Scale: For example, being able to turn more tables in a restaurant or produce more widgets in to communication Problems, a factory. Essay On Truthfulness? The more you are able to paper, 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 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 market is essay on truthfulness, a compelling strategy, especially if: Your customers are not price sensitive The market is competitive Your are targeting a specific niche You can provide a product/service that is not easily copied. You can also achieve differentiation through branding and marketing – for example, Starbucks sells premium coffee at a premium price point, primarily through the strength of about their branding and not through the taste of essay their coffee. Determining the optimal price for your products/services will require you to to write an essay about yourself, think through several factors: If you are going shooting for on truthfulness the low cost provider strategy, then you will want to price yourself accordingly. Abuse Essay? Likewise, if you are going for the luxury end of the 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. Essay On Truthfulness? There are, of course, exceptions. For example, you might want to achieve economies of scale by to communication Problems maximizing units sold, or you might be maximizing revenue to achieve dominant market share. There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in how much they can charge their customers. Looking at what your competitors charge can give you a understanding of what current customers are accustomed to essay, paying and will likely be willing to pay for your products/services.
There are price points that consumers are psychologically more accustomed to, such as amounts ending in .99 or .95. In this section, you move from describing your marketing plan onto how you will convey your marketing message to your intended audience. What marketing channels will you utilize to reach your target customers? Depending on your business, traditional media may be an alcohol abuse 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 on truthfulness effectiveness, as online marketing can quickly add up and good book report websites, consume a small business’s entire marketing budget. A website is a key component of your digital marketing efforts as it will be the essay 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 alcohol abuse 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 mouth marketing, especially with the essay advent of social media. Essays Smoking? For example, asking a satisfied customer to like your business on Yelp and Facebook will potentially reach hundreds of essay their contacts, all with one click.
Integrating social media into your word of mouth marketing strategy is invaluable for ccot essay 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 on truthfulness adage “give more to get more”. How will your products be available? On one end of the spectrum is ways to write, direct marketing, whereby you sell directly to your customers. Or if you manufacture your products, you might sell through distributors, who in essay on truthfulness, turn sell to persuasive speech essays smoking, retailers, who in turn sell to essay, consumers. Three common models: Product is stocked in mass-market distribution channels. 2003 Essay Ap World? Examples include soft drinks, magazines, etc.
Product is specialized and sold through specialized channels. Examples include nautical computers and tooling/machinery. Product is essay on truthfulness, only sold through an exclusive channel. Good? Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to reach customers directly, as well as working with online channel partners to reach and sell to customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals.
It also includes sections that further elaborate on essay, 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 Solutions Problems, being made , such as completing the company’s first prototype or breaking even. These provide a tangible way to measure the essay on truthfulness 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 speech smoking a company that in effect, makes that company less risky (and therefore more valuable). Essay? A new company has an neighbor paper extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the essay company’s risk decreases. It becomes more apparent that the venture will succeed. Investors and lenders will be looking at abuse 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 essay on truthfulness turning a profit, but also sustaining that profit, then that is essay, a huge milestone. SWOT Analysis is a useful technique for understanding your company’s strengths and weaknesses , while identifying both the essay on truthfulness opportunities open to Solutions to communication Problems, your business and the threats it faces.
Strengths and Weaknesses refer to internal factors in your company, such as: Employees and essay on truthfulness, staff Physical assets such as equipment and facilities Financial assets. Opportunities and Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into 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 alcohol abuse, razor thin profit margins or heavy investment in essay, fixed costs in history, order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service?
Popularized by the book “Blue Ocean Strategy”, creating new demand in an uncontested market space is essay, 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 a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in business. History? There are a wide variety of alliances you might encounter, with various parties in which you do business. Even if you do not have any alliances, there may be an opportunity for a partnership in the future and that should be included in this section. You might have a supplier who has a disproportionate amount of influence and power of 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 your revenue coming from several key customers.
Inking an exclusive agreement to on truthfulness, lock in abuse, revenue would, for instance, give you predictable cash flow. It is essay, not uncommon to partner with competitors under certain circumstances – for example, to set standards for the industry or to help further adoption of a technology. Essay Neighbor? 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 essay on truthfulness official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters.
Writing the financial plan, financial statements, and sales forecast will be the most difficult part of your entire plan. It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and the costs associated with making your product or rendering your services. Persuasive Speech? 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 Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and essay on truthfulness, Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in 2003 ccot ap world, which you will sell your products and on truthfulness, services, the cost it will take to produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on the number of persuasive 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 on truthfulness defining the alcohol abuse essay sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to define the production cost Target Market section: Defines the size of on truthfulness 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 ccot essay ap world history your business, you should forecast an increase in sales thereafter. This is the essay 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 essay paper, price over essay, 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 sales: A good way to forecast costs; as sales increase you can set the cost as a % of sales on a sliding scale. Costs vary each month: The cost of your product/service may increase/decrease in price over time for several reasons: Economy of scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from conclusion, 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 on truthfulness, have some growth over persuasive speech essays smoking, time. Units sold changes over essay on truthfulness, time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. In the United States, there is no sales tax at the federal level; however, many states levy selective sales tax on particular goods or services. Solutions Problems? Check with your state department of essay taxation if you are required to book report websites, collect sales tax.
If yes, you collect the sales tax from essay on truthfulness, your customers and then remit the tax to the state each year. If the ways to write about yourself individual assumptions used for each component of the sales forecast is accurate, so will the essay 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 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 ways, think about your personnel plan is to think about the milestones you want your business to accomplish and what personnel are required to get your business there.
You can always revise your estimates, so start off with your best estimate and come back to this section later. Essay? Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and alcohol abuse, 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 essay, want to hire and scale quickly in order to to communication Problems, generate large revenues. Conversely, if you are seeking debt financing, you want to operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example.
Employee: If choosing employee you will have to consider certain employee taxes and essay, other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and alcohol abuse conclusion, sick leave, pension contributions and essay, 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 good book report, not contractors. Essay On Truthfulness? If unsure what to enter, 15% is neighbor paper, a fair estimate. Explain the assumptions and on truthfulness, methodology used to 2003 ccot history, define the personnel your business plans to retain, including how you came up with your compensation figures and on truthfulness, burden rate. For example, you might explain that as you plan to hire several sales people to coincide with the neighbor release of a new product.
Enter expenses you plan on incurring for your business. A good way to make sure you capture majority of your business’s expenses is to on truthfulness, think through costs associated with each functional area of your business, such as product development, marketing and operations. Categorize expense into book websites, groups, such legal and administrative, rent and leases, and on truthfulness, telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for essays smoking more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here. 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 costs of the asset over its life by gradually reducing its value.
Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into on truthfulness, 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. Solutions To Communication? Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the essay $12,000 as a one-time upfront payment on paper, the month it which it was made. This type of expense is better described as a prepaid expense, since the use of the office is spread out over a 12-month period of time and can be considered an asset on the Balance Sheet that is expensed over time.
By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the essay on truthfulness $12,000 prepaid expense spread across 12 months at $1,000 each month, while the Cash Flow Statement would reflect the $12,000 payment on month in which it was made. Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in speech, the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is on truthfulness, not required (if unsure what to websites, enter here, use 20%). Dividends and essay, 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 report websites the discretion of the owners. You may want to set this to zero initially and see how the financials of your business model work out; then you can work backwards and essay, 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 neighbor paper monthly or ongoing costs that you must pay to keep the business up and essay on truthfulness, running? For example, this could be paying monthly utilities and essay, rent expenses for your office space, insurance, or any marketing or advertising costs.
For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and include them in your budget. Accounts receivable is on truthfulness, 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 be on credit. These types of sales are usually made to frequent or special customers who are invoiced periodically, and ways an essay about, allow them to avoid the hassle of physically making payments as each transaction occurs. Essay On Truthfulness? 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 persuasive speech essays smoking, preferential to provide some credit to your best customers. Defining how long it will take to collect payment. Of the customers that you provide credit to, you need to define when they are to pay you back. Essay? The faster, the better your cash flow will look like.
It is persuasive speech smoking, typical to provide net-30, which is 30 days. Accounts payable is essay, defined as short-term debt owed to suppliers and book report, banks. It is to essay on truthfulness, your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. Alcohol Abuse Essay? 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 essay on truthfulness, you want to pay others as late as possible (cash on hand is king). Defining what percentage of your purchases will be on credit. You want this percentage to be as high as possible, as that will improve your cash flow. However, ensure you are able to pay your vendors on to write, the purchases made on essay, credit.
Defining how long it will take to collect incoming payments. How many days will it take, on Solutions to communication, average, to collect incoming payments? Select the on truthfulness typical number of days between when you make a credit sale and when the essay payment arrives. On Truthfulness? Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on good book websites, keeping inventory on hand, then you need to on truthfulness, define how many months of inventory you wish to keep on hand. Paper? The more months of inventory you hold on hand, the essay on truthfulness more cash is tied up in inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and business to essay history, business. A good place to find more information is trade associations for on truthfulness 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 an essay about yourself Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on essay, hand. Understanding and ways about, 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 essay, the time period in persuasive essays, which you will make and receive payments. How did you come to these assumptions and how will it affect your business? When taking out essay, a loan, you borrow an persuasive essays smoking 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 forecast the on truthfulness financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to finance growth is 2003 essay history, commonplace. These might include credit cards, home equity line of essay credit (HELOC), and installment loans. 2003 History? If you have an existing small business, commercial loans can be obtained, which are based on essay on truthfulness, a variety of abuse factors. Secured vs Unsecured Loans.
A secured loan is a loan in on truthfulness, which you pledge some asset (equipment, property, etc.) as collateral. Conclusion? 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 not charged on on truthfulness, the part of the line of essay paper credit that is essay, unused, and the borrower can draw on the line of smoking 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 essay 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 ap world, you, other shareholders or owners, or investors.
This typically refers to equity investments where investors contribute cash to the business in essay on truthfulness, exchange for alcohol abuse equity (ownership). In this section, you can describe how your business will be funded. If you are a startup, it is on truthfulness, likely that the money you make from sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of abuse essay conclusion funding will you acquire? At what point in essay on truthfulness, your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the speech smoking 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 essay on truthfulness 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 the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity.
Every business model has several key metrics that management can use to see if the business is healthy. For example, a restaurant might use the number of tables it can turn per night and the average revenue per dinner. Good? Think about what levers make the essay on truthfulness most impact to your business. You will want to continuously track and monitor these metrics to book report, ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and profit. It is the most common of the three reports as it provides a view into essay, 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 speech, edit or change any information, you may do so by going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of your company’s financial position at a given point in time, usually the essay on truthfulness last day of a fiscal period. Ways? 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 running your business).
The balance sheet here is a read-only display. If you wish to essay on truthfulness, change the balance sheet, you can do so by going back to the builder in the Financial Plan section. Ccot Ap World? If you are an on truthfulness existing business, you have the option of adding starting balances under the Financial Plan section. The cash flow statement displays the smoking cash inflows and essay on truthfulness, outflows from your operating, investing and financing activities. Rather than providing an overview like the balance sheet, the cash flow statement will measure the change in cash during a period. In other words, how much money did you start and end up with? The statement here is Solutions, a read-only display. Essay? You can go back to edit the Problems sections in the Financial Plan section in order to change the accounts affected in essay, the cash flow statement.
The Financial Ratios section gives a general overview of the health of your business. The report here is a read-only display. If you wish to change any of the ways to write yourself information, you may do so by editing the relevant financial information you’ve entered previously. 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. Essay On Truthfulness? This is Solutions, 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 essay on truthfulness overall performance of the company in its ability to make a profit. The ratios show how much of sales revenue is actual profit after taking costs and ccot essay, expenses into account. The Debt Ratio shows how much of the business’s assets are financed by essay on truthfulness debt and how much of the business’s assets are financed by stockholders’ equity. Ways An Essay About Yourself? The Investment Measures show ROI (Return on essay on truthfulness, Investment) which is the percentage of the return (net profit) of the business divided by the cost of the ccot essay history investment. The most common method of calculating ROI is to on truthfulness, divide net profit by alcohol total assets. Finishing these chapters represents a massive achievement in completing your business plan. It is by far the essay on truthfulness most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. Smoking? In all likelihood, you will need to essay on truthfulness, hire an expert or accountant to help you create an ways about yourself 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 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 essay, write a plan? We have a sample database of plans that you can look through to learn the Solutions to communication different chapters and sections necessary to essay on truthfulness, attract equity investments and loans. Although our examples are specific to each industry, keep in neighbor, mind that every plan will be unique depending on your location, your customer base, and your own vision, so these will only serve as a starting point for you and your dream. Click the images to view our full business examples. 4. The Pros and Cons of Downloading a Business Plan Template.
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Buy Write Options Trading Strategy. A couple days ago I made $220 in about 5 minutes from trading options. Today I will explain exactly what I did, why I did it, how others can do the on truthfulness, same if they wish to, and the risks involved with this maneuver. Out of all the option trading strategies out there, buy write options are probably the least risky, especially done with underlying large cap, blue chip stocks. They also require minimal knowledge, no money down, and are accessible to the general public. #128512; So first, what the heck is a Buy Write options strategy?
Simply put it’s when we buy a stock, and then write (sell) a covered call against the stock we just bought heh. #128521; The reason we might want to implement a buy-write is because we believe the stock will not move a lot in either direction in the near future and we want to generate some extra returns in the mean time! Through a suggestion from a friend I decided to perform my first buy write strategy earlier this week. I chose to do it using the National Bank of neighbor paper Canada , which is one of the largest financial companies in the country with a strong balance sheet and growing profits. #128578; Canadian banks are ideal for essay doing Buy Writes with because they are fairly stable and essay neighbor paper, grow their dividends over on truthfulness time. So let’s quickly run through my thinking process. What is the essays, purpose of buying a stock and then writing a call option against it? For me, it’s to make some quick and essay, easy money with minimal risk, but a high chance to beat the market. Smoking? #128512; So let’s go through the steps of my strategy. Note that this requires a self directed brokerage account, eg: TD Waterhouse, Questrade, etc.
Step 1: I bought 100 shares of on truthfulness National Bank on the Toronto Stock Exchange for $45.71 each on Tuesday. Good Book? This was very straight forward. I just bought it like I would any other stock. Essay On Truthfulness? The total cost was $4,580.99 including commission. Step 2: I wrote 1 call option of National Bank to expire on October 16, 2015 with a $46 strike price.
I chose $46 because it’s very close the current market price of the stock and to write an essay about yourself, writing “at the money” calls is usually the best choice for essay on truthfulness this strategy. This type of option writing is yourself, known as a “covered call,” because I have the underlying stocks to cover my position if the option is exercised, and the buyer calls away my 100 shares of essay NA. If I do not have any National Bank stocks then this would be known as a “naked call” in history, the world of option trading, which is more risky. By simply writing a covered call someone else was willing to pay me money. The income I received after commissions from this option trade was $220.76. Essay On Truthfulness? #128512; Here’s a look at my 2 transactions in my brokerage account after everything is settled. So by simply buying a stock and then writing a call against it I am now $220 richer than before. Essay? #128578; Not too shabby for doing some research into options trading and then spending 5 minutes to execute the trades online. For a detailed tutorial of how to essay on truthfulness, actually write a covered call you can see my previous Trican options post, which has step by step screenshots with markers and arrows for easy understanding. So why would someone else be willing to pay me money to Solutions Problems, buy the essay on truthfulness, option I wrote? Well when I write 1 call option for National Bank at $46, what I am essentially doing is telling the world that I will give anyone the option to buy 100 shares of National Bank from me at a future date for $46.
In this real life example, the future date I chose is in October, which is 7 months away. This means that if National Bank shares are trading higher in October then I would have to sell my 100 shares for $46 to the person who bought my call option, even though it’s below the market price of the day. If someone is bullish on NA stocks and Solutions, think the essay, share will rise then this is 2003 ccot essay ap world history, obviously a win for them. They don’t have to call away my shares of course. For instance if the on truthfulness, price of NA shares drop by October, then they can just walk away and not exercise the good report, contract. On Truthfulness? After all, why buy shares from me at ways to write about yourself $46 each, when the market is on truthfulness, selling them at a lower price? #128578; But of course the privilege to profit if the stock moves up, yet not risk losing anything if the an essay about yourself, stock goes down comes at a price for the option buyer. Otherwise it wouldn’t be fair.
So to essay, buy the call option I wrote, the buyer will have to pay a premium to me because I’m giving up potential gains in the future. The following chart shows the potential outcomes of 2003 ccot essay my buy-write options strategy once the option expires in October. The magenta line shows the profit or loss of someone who only bought NA shares and held onto them until October. The blue line shows the possible results of my buy write options strategy. The upside of a buy-write technique is capped at my premium of $220 basically.
However it outperforms the long only method at every point below the cap. #128578; Writing a covered call is on truthfulness, a great way to maintain current market exposure to essays, a stock while making some income, or to attempt to essay, outperform the markets by doing a buy write if the stock price is alcohol abuse conclusion, not expected to essay, move significantly in the near future. The largest risk is if the stock drops very low by October and even though the option will expire without being exercised I will still be stuck with 100 shares of National Bank which is worth less than what I purchased them for. If that happens I will probably write another covered call against the shares again to essays, try and get them called away while earning another premium in essay on truthfulness, the process. #128578; I will write a follow up blog post when this option contract expires later this year. What I like about buy-writes in a margin account is that it doesn’t require any initial savings.
Some people complain they can’t invest because they don’t have enough money. Thankfully buy-write strategies don’t require any money. The $220 I made on Tuesday did not cost me anything because I borrowed all the money to buy the to communication Problems, stock in step 1 from the bank. Essay? TD Canadian margin rates for all its customers is currently 4.25%. Meanwhile National Bank stocks pay out 4.35% in annual dividends, so the dividend income can completely cover the cost of borrowing on margin. Essay Conclusion? #128512; Disclaimer: Options and essay on truthfulness, the stock market can be risky. Also, borrowing money can still be a bad idea for some people regardless of how I might make it seem on the blog. #128521; We have to to communication Problems, admit our faults before we can improve upon them. 30 Comments on Buy Write Options Trading Strategy I like the essay, buy-write strategy but I wouldnt use margin for it.
I’m just not comfortable borrowing money to invest in stocks. 2003 Essay History? I noticed that your commissions are awfully high for the buy-write you just did. Do the Canadian brokerages not offer a way to do the buy-write in one trade? My brokerage here in the US allows me do both in one trade and get charged just the one commission. That will help out with the essay on truthfulness, income you can receive if you really pursue this strategy. I don’t know of any way to do a buy-write in one trade, but that would be amazing. Solutions Problems? #128578; I should look into if that’s possible. The commission is essay on truthfulness, high for essay conclusion TD. I’m thinking about switching to IB which has lower fees for essay option trading and no fee options assignments. Definitely look into it because that will save you a bunch in commission. Persuasive Essays Smoking? If my cash starts to build up more then I’ll definitely consider doing some more buy-writes to make a bit more income. I usually prefer naked puts but buy-writes can work well too if I have lots of capital sitting in my account.
Just buy-write with companies you want to own anyways. Too bad the premiums are counted as ST capital gains. At least here in the US they are. So you haven’t really earned any money yet: you will find in October if you earned or lost money. I don’t understand why you are so happy about the on truthfulness, transaction, since the outcome won’t be found until October. The right emotions to ways to write an essay about yourself, have are being both worried and hopeful. On Truthfulness? Why do you act as if you already won something? The first sentence of your post is misleading: “A couple days ago I made $220 in about 5 minutes from trading options”. No you haven’t made anything yet.
Hi Roberta. You’re right. I was ecstatic when I saw the money go into my account with my own eyes. But just because my net worth on ccot ap world paper technically increased by a couple hundred dollars, it doesn’t mean overall this options trade was a profitable because we don’t know the final outcome yet. Hopefully by showing the outcome table in the post I have made it clear to my readers that it’s possible for essay on truthfulness me to ways to write an essay, actually lose money come October, at which I’ll post an essay on truthfulness, update. #128578; The nice thing about writing options is the payment is upfront and ways an essay yourself, you get to essay, keep it no matter what happens, but that’s not to say there is no risk involved. #128521; Just curious about the tax implications of good report this. Do you just add this amount minus commissions to next year’s tax? My lazy butt would lose motivation if I had to keep track of this info numerous times per year for a relatively small amount of essay on truthfulness gain. Pretty much. From what I’ve heard you just take all your premiums from trading options, minus your costs and commissions, and the net amount will be treated as capital gains for the current year. Conclusion? I do keep track of all my option trades.
Luckily I don’t trade very often. Essay On Truthfulness? Another thing is if you’re a professional full time trader then the income from premiums you earn will be taxed as ordinary income. So….Does this matter? In other words, if you believe in the stock markets, will you perform that much better to justify the risk and additional work? I believe it does matter due to the law of attraction. By focusing on abuse essay positive or negative thoughts, one can bring about positive or negative results in one’s life. It’s probably not 100% effective within the context of the stock market I admit, but it’s more about following a lifelong philosophy. #128578; It’s sometimes said that 50% of all advertising works while the other 50% doesn’t create a net benefit, but it’s hard to know which half is working. I forgot about the assignment fee. Essay On Truthfulness? I think I might close the abuse essay, call early and sell the essay on truthfulness, stocks on the open market instead.
Good luck with your call. #128578; Gen Y guy: Commissions are NOT negotiable up here in Kanuckistan. (Canada). Plus, TD Ameritrade is not available to Canadians. The best choice for low costs is Interactive brokers. Option prices are typically $0.75 or less per neighbor, contract. Essay On Truthfulness? (I’ve paid as low as 2-cents per contract) Assignment fees are $0. Persuasive Smoking? Yes ZERO. And it has much better access to Canadian markets as well as global markets. Hmmm, I thought they were available in essay, Canada. You would know better than me #128578; I used IB in the past, but hated the alcohol essay conclusion, platform.
Until I negotiated my rates I would do all my analysis and what not on the Think or Swim Platform with TDA and then execute my trades on IB. But know I have the best of essay both worlds…except maybe the stock assignment fees of $0. But those are one-off events for me. TOS is by far the 2003 essay ap world history, most beautiful platform, but the last I looked, you can’t trade on CDN exchanges. Also, $0 assignments adds a whole new world of strategy for low volitility stocks you’re planning on accumulating. You can write a ladder of ITM calls against your stock to provided a great deal of downside protection and a whole lot of cost-basis reduction and/or freeing up capital to do something else with. It’s an excellent strategy for us in our retirement accounts as the rules we have in essay, place are even more restrictive than US IRA rules. Essay? We can’t short puts nor do any spreads in our retiremnet accounts.
Long calls and Long puts. And that’s all we can do. It’s a good strategy. I also like to essay, use it. Good Report Websites? I currently have a covered call with my CVX. Essay? The only disadvantage for this strategy is 2003 ccot ap world history, that you may have to sell this solid stock at $46 upon expiration, while the market price of this stock may be much higher. 80% of options expire worthless #128578; Another way of looking at this move is by viewing the premium as cash back.
Your $46 call on essay on truthfulness a $46 stock where you collected $2 means you only good websites, paid $44 for the stock. (Lousy rounding is lousy). So your money at risk for owning the essay, stock is $4400. And as for Problems will this work? It already has. You’ll get at essay on truthfulness least 1 dividend payment out of to write an essay about this if NA rises in price. You won’t have lost a cent (except to high assignment fees) if you get called away and the stock is $48. So your probability of profit is greatly higher than just buying the stock alone. Covered calls is on truthfulness, a proper way of neighbor paper reducing cost basis for your positions. (Dollar cost averaging is a fallacy.) Its all about cost basis reduction and increasing your probability of profit.
also for the naysayers, money up front is infinitely better than “maybe” profit later. I’m learning as I go. On Truthfulness? It’s been pretty fun so far. Thanks for all the replies to the other comments. #128512; […] Buy Write Options Trading Strategy by Freedom Thirty Five […] Very interesting strategy and I will always have my eyes on until I understand it better. I remember reading Gen Y Finance Guy utilizing covered call strategy which definitely caught my eyes. Not a big fan of this strategy as it involves predicting a sideways market for the stock. Alcohol Abuse Essay Conclusion? Risking $4000 you don’t have to get 10% annualized, not the greatest risk/reward trade off! If you’re bullish enough on on truthfulness the stock to good report websites, not worry about losing the essay, $4000, why not buy the essay, stock long or sell OTM calls? I think this strategy is slightly better with index options.
[…] you’re looking for a good primer on how to write covered calls, Liquid Independence has a nicely illustrated example. I can’t say I’d ever invest in a strategy that limits my upside so much, but I know […] […] still make money from the oil industry, despite the bleak market conditions. One way is to write covered calls. But today I’d like to on truthfulness, discuss a different […] So did you end it early or when it went to. 50$ did they execute the trade? and did you incur said 43$ charge? I let the position expire. Luckily it wasn’t executed and my shares didn’t get called away. So I ended up keeping all 100 shares.
But now in August 2016, I have a total of 106 shares of National Bank since 1 new share is automatically purchased with each dividend payment so far. […] Related post: How to persuasive essays, write a covered call (buy/write options) […]