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Personal theory paper working outline

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A tapestry of brown and green Essay. The article “A Tapestry Of Browns And Greens” was written by Nalini Nadkarni, a pioneering canopy ecologist and professor at personal theory, The Evergreen State College. This article describes a rich tapestry of personal stories, information, and illustrations, from science to symbol, culture, and religion. Nalini used the metaphor of a tapestry that composed of different colored threads to reflect on her life, as she also came from the vividly mixed ethnic background of her Indian/Hindu and Brooklyn/Jewish parents. Writing Statement Compare Contrast? She then described how her particular tapestry weaves threads of religion, art, and social justice with her work as a canopy biologist. It started with a question from a childhood friend that makes Nalini come to theory paper working realize that she was somehow different from others. Being born by her Indian father and Jewish mother, Nalini was the third child in the family with an Indian face and stanford university darkest skin out of the five. Unlike other immigrant families who seem to assimilate into western culture as quickly as possible, Nalini’s parents raised the children upon their traditional culture. They ate Indian foods, slept on mattresses on personal theory paper outline the floor, celebrated Jewish holidays instead of Christmas, and practiced both Hinduism and Judaism in the house. However, the deep cultural differences her family embodied did not create a conflict.

It set the way for Nalini to view nature, not as consisting of writing thesis contrast monochrome but many colors and textures. Nalini’s childhood experiences describe nature as protected and protector. When she saw her father in the backyard carefully transplanted young saplings from one part of the yard to another, his benevolent attitude toward nature gave her a strong ethic of personal theory paper working protecting nature. She also learned that nature protected her, through the elm tree outside of her house that kept her company on scary windy nights. Nalini loved tree climbing, feeling the strong limbs of the trees gave her a sense that nature is a place of ph d safety, a place that protected her and those she cared for. Education was important in her family.

Nalini studied hard to get straight A and participated in working, various school activities. Being well educated created another thread that she wove into her relationship with nature, the realm of the intellect and use of the scientific process to understand trees and forests. While pursuing the study of Biology in college, she began to discover the world of forest ecology and enjoyed the challenge of untangling the endless puzzles she encountered in nature. She then received her PhD in Forest Ecology and started her forest canopy studies. She struggled to stanford convince the graduate committee to theory paper working understand the importance of ph d sample thesis tree climbing. Eventually, they helped her carve out a dissertation project, a comparative study of the biomass held within the epiphytes. Her work took place in the spectacular temperate rainforest of the Olympic National Park and the tropical cloud forests of Costa Rica for 25 years. She produced over ninety scientific papers and paper outline three scholarly books about canopy ecology.

As the result of her studies, Nalini found out that small plant like epiphytic flowers that live high above the forest floor have tremendous ecological importance for the complex tapestry of rainforest ecosystems. As her career progressed, she recognized the necessary to reach out to other sources of information outside of academia that went beyond the scientific aspects of nature, and involved understanding of medical, political, recreational, aesthetic, and religious values of nature. She began with health values by giving speeches to books medical students about relationship between trees and health. She and her students create the “Treetop Barbie Doll” to encourage young women to personal paper working outline be interested in forest science and designed tree art stickers that are affixed to skateboards to faire dj remind the youthful users that trees are connected to what provides them their daily pleasure. To explore the political values, Nalini created the “Legislature Aloft” project, in personal theory outline, which she invited twelve state legislators and books for the their aides to come and discuss about forest management issues, government funding of science, the reasons for high biodiversity in the canopy, and the importance of personal non-vascular plants in forest nutrient cycles. Faire Dj? To connect the urban youth with science and fieldwork, Nalini invited a young rapper named C.A.U.T.I.O.N. to come out to the field to paper sing about the trees, clams, and bugs to the middle school children from Tacoma, Washington, which also opened her eyes to the many colors of nature that the students saw with fresh eyes in the familiar forest of her own college campus. Nalini’s love for trees led to her curiosity about how different cultures and religions assign spiritual values to trees. By scouring religious texts and visiting different religions’ places of worship, she discovered that Christianity, Judaism, Hinduism, and Buddhism value trees for both practical and spiritual reasons. Furthermore, she realized that science and religion didn’t have to on educational leadership conflict but rather could be extremely congruent in their understanding of nature and natural systems.

For 10 years of outreaching to personal paper working non-traditional audiences, Nalini learned much more about trees than ever. Although people and tree are not of the same family, we can consider ourselves as being married into each other’s families, with the challenges, responsibilities, and benefits that come with being so linked. The passion and dedication Nalini has for trans-disciplinary collaborations shone through most poignantly when she described the Sustainable Prisons Project, a program she started in thesis, which correctional facilities inmates rear endangered Oregon spotted frogs and cultivate mosses and wetland plants. While working on the project with the inmates and seeing their collective work being used to protect the mosses, Nalini came to the realization that all voices, all approaches, and all types of paper working people can contribute to keeping the great tapestry of nature intact. To do good research, researchers need to dissertation on educational look beyond themselves in finding solutions and ways to include others to support their views. Nalini Nadkarni appears to be so creative in finding various resources like prisoners and others to assist her in her research to save the outline, trees. With her great passion and perspective, she has successfully connected the academia with the sample thesis, external world. The reconnection of human kind with nature is paper outline essential for leadership, the understanding and evolution of this modern society. However, it takes a lot of effort, several well-chosen words, stories and anecdotes to make the young people today change the way they think, to paper working outline teach them that passion and the courage to care and stanford university extend a hand to someone who cares is important. And Nalini Nadkarni has taken this one step further.

I am very much impressed by the work of Nalini especially the way she is spreading the message about personal theory working canopy and its importance in ecosystems. Dissertation? One really needs lots of determination, courage and skill to carry out personal such type of work. She is an absolutely amazing and books for the inspirational person who we need more of in personal working, this world. Nadkarni, N. (2011). A TAPESTRY OF BROWNS AND GREENS. In The colors of nature: Culture, identity, and in the on criticism with the natural world (Revised/Expanded ed.). Minneapolis, Minn.: Milkweed Editions. Dr. Nalini Nadkarni nalininadkarni.com. (n.d.).

Retrieved August 14, 2014. University/College: University of Arkansas System. Type of paper: Thesis/Dissertation Chapter. Date: 23 April 2016. Let us write you a custom essay sample on A tapestry of personal theory paper working outline brown and green. for only $16.38 $13.9/page.

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marv brehm resume IN THE SUPREME COURT OF THE STATE OF OREGON. In the Matter of the Application of ORRIN R. Personal Theory Working Outline. ONKEN for Reinstatement as an Active Member of the Oregon State Bar. Case No.: Case No. SC S57801. OPINION OF THE TRIAL PANEL.

Bar Counsel: Stacy J. Hankin and the volunteer services of Stephen R. Faire. Frank of the law firm of Tooze Duden Creamer Frank Hutchison. The Applicant represented himself. Trial Panel: C. Lane Borg, Dr. Michael Glatt, Public Member, and Albert J. Bannon, chairman. Applicant, Orrin R. Onken, has applied to the Oregon Supreme Court to be reinstated as an active member of the Oregon State Bar pursuant to Bar Rule of Procedure (BR) 8.1. Applicant was first admitted to practice in Oregon in 1982. Applicant’s license to practice law was suspended on June 1, 1990 for failure to comply with the paper outline Oregon State Bar’s minimum continuing legal education requirements. His license was again suspended by operation of law effective July 24, 1990 for failure to pay bar dues. While suspended, he sought protection under the bankruptcy code by filing a Chapter 7 petition on May 9, 1990 . On March 13, 1993 , the Board of Bar Governors recommended reinstatement subject to a two-year probation period requiring continued participation by the Applicant in Alcoholics Anonymous. On April 20, 1993 , the Oregon Supreme Court entered an Order of Stipulated Conditional Reinstatement. On July 7, 1994 , the Bar received complaints from Bruce Melkonian, a Portland attorney and ph d, former supervisor and partner of Applicant, reporting that he and theory working outline, a former client, Marv Tonkin Leasing Co. had discovered that Applicant had converted $160.00 in 1986 and $656.00 in 1988.

On December 13, 1994 , Applicant’s Form B resignation was accepted. In it, he admitted to the two conversions. On January 4, 2000, an application for reinstatement pursuant to DR 8.1 was submitted by Applicant.* The Board of Bar Governors conducted an investigation pursuant to BR 8.7(a) and, on July 21, 2000, recommended to the Supreme Court of dissertation leadership Oregon that the application be denied. Applicant filed a petition for review on September 10, 2000 . Personal Paper Working Outline. The Court immediately referred the application to the Disciplinary Board for a hearing to essayer faire inquire into the Applicant’s character and fitness. The hearing occurred before this Trial Panel on personal paper outline, November 27 and 28, 2001. In its Statement of Objections to Reinstatement, the Bar opposes reinstatement on the ground that the Applicant does not possess good moral character or general fitness to writing statement compare contrast practice law. As evidence, the Bar points to the two conversions and (1) Applicant’s. * The Rule prohibits someone in personal theory working outline, Applicant’s position from seeking reinstatement if the thesis disciplinary proceeding resulting in disbarment occurred after January 1, 1996 . See BR 8.1(a )( iii) alleged failure to demonstrate an acknowledgement of the wrongfulness and seriousness of, and his individual responsibility for, his misconduct, (2) Applicant’s failure to demonstrate that he is now committed to personal the legal profession, the administration of justice, and the public good, and (3) Applicant’s failure to pay restitution. Applicant’s Answer was filed on December 29, 2000 . He admits that the to use sat essay conversions occurred but denies all other allegations of the Statement of Objections to Reinstatement. He affirmatively alleges that he has participated in personal paper working, activities for the public good, that he forthrightly acknowledged his wrongdoing, that he has resolved a “lengthy and serious” substance abuse problem, that he has made a full restitution to those injured by his misconduct and dissertation stanford, has paid, compromised or otherwise discharged all debts, business and personal, associated with his practice of law, that he has engaged in study related to understanding the issues that led to his misconduct and that he has engaged in paper, a pattern of help writing thesis essay activity that provided him with the requisite learning and ability to practice law in paper outline, the state of thesis Oregon. Reinstatement is working outline, sought subject to the following voluntary conditions: (a) that Applicant be required to take and pass the Oregon State Bar examination, complete a course of education or otherwise demonstrate his knowledge of law; (b) that he be required to begin a new or continue an existing program for leadership the prevention of chemical dependency; and (c) that he be required to obtain direction, counseling and approval from the Professional Liability Fund before undertaking to practice law as a business.

We recommend reinstatement. We make the following findings of fact by theory working outline clear and convincing evidence. The material facts giving rise to the Form B resignation are undisputed. In 1986, the Applicant worked in the offices of Melkonian Associates. The firm was retained to pursue collection of a judgment against ph d sample, Roger Jones. Jones made monthly payments on the judgment to the firm.

On March 25, 1986 Jones wrote a check to personal the Applicant for $160.00. Ph D. The check noted that it was for “Marv Tonkin vs. Jones.” The Applicant endorsed the check and deposited the funds into a personal account. In June, 1988, $1,262.10 paid by Mr. Jones on the above-mentioned judgment was held in the lawyer trust account of Bruce Melkonian and Applicant . On June 21, 1988 , Mr. Melkonian issued a check from the trust account payable to Marv Tonkin for $656.50. The check contained the notation: “collection case ;Roger Jones.” Instead of delivering the check to personal paper outline the client’s representative, the Applicant endorsed and cashed the dissertation university check.

Applicant admitted having cashed both checks, but claimed to have no memory of either event. He is an alcoholic and was drinking heavily at the time. The disciplinary proceedings that followed resulted in the Form B resignation which we treat as a disbarment for misconduct. The Applicant presented a number of witnesses who have knowledge of him personally, professionally, and paper, through his association with Alcoholics Anonymous. The overall impact of sample these witnesses was to establish in a clear and convincing manner that the Applicant has undergone significant changes in his life and character, and that he now is a contributing member of society possessing the personal theory working outline necessary moral character and essayer dj, fitness to practice law. Michael Sweeney’s testimony was especially helpful in paper working, understanding a disease that strikes at dissertation on educational leadership double the national average in professionals due to the high degree of stress and depression found in personal theory paper working, professionals. Some effort is made in this opinion to describe the symptoms of alcoholism and dissertation stanford, how they manifest themselves, particularly in professionals. Alcohol, it seems, is the drug of choice for professionals, especially among women.

Dishonesty is only one of the personal theory paper working outline manifestations or symptoms of the disease. Mr. Sweeney, who has written and lectured extensively about alcoholism, testified that the Applicant’s recovery was solid and on a strong footing. Dissertation. After five years of sobriety, an alcoholic’s chances of remaining sober rise to ninety percent. Applicant has been sober for approximately ten years. It was Mr.

Sweeney’s view that the Applicant had much to offer the profession and has been involved in serious personal work in an effort to build a permanent home for Alcoholics Anonymous chapters. Dr. Theory Paper. Michael Horowitz testified on behalf of Applicant. He is board certified in family medicine but has spent his career dealing with substance abuse and has developed a sub-specialty in psychiatry. He conducted a standard psychiatric interview or mental status examination of the Applicant to ph d determine whether there was some concomitant psychopathology to the alcoholism or evidence of a thought disorder, psychiatric illness, long-standing mood disorder or more vague pattern of working outline a personality disorder. He found none.

He testified that Applicant’s history demonstrated a substance abuse problem with severe depression. In order for the alcoholic to maintain a rudimentary sense of self esteem in the midst of self-destructive drinking, Dr. Horowitz testified that most alcoholics build an elaborate series of lies to ph d allow themselves to continue their drinking associated pattern of life. Paper Outline. Dr. Horowitz testified that impairment of memory with drug and alcohol abuse and severe mood disorders is a well-recognized phenomenon. Often, the in the essay on criticism pope alcoholic will transgress his or her own moral standards in the midst of the disease. Dr. Horowitz testified that, based upon his examination, Applicant demonstrated a more that usual degree of self-knowledge and integrity and personal paper working outline, that within the Alcoholics Anonymous group both he and Applicant attend, Applicant is viewed as an dissertation stanford university embodiment of right conduct. In other words, Applicant has completely reformed his character . Dr. Walter Byrd was also called as an expert witness.

He is board certified in addiction medicine and, because of paper working outline his extensive experience with addiction in professionals, acts as a consultant to the Professional Liability Fund. Dr. Byrd testified that professionals suffering from addiction will usually remain hidden until the disease has caused a heavy amount of social destruction, such as the loss of a license to practice medicine or law. Once in books, an addictive disease, the addict develops strong defense mechanisms that suppress reality. These include denial, rationalization, minimizing and deception. Theory Working Outline. The disease drives the person from one crisis to another in increasing severity until the person is dissertation leadership, forced to seek professional help. Once sobriety is reached, however, the person will return to his or her norm. The success rate for the addicted professional is high, according to Dr.

Byrd. Dr. Byrd’s diagnosis of Applicant was of alcohol dependency in full and complete remission. Dr. Byrd testified that Applicant admitted himself to paper a treatment facility, stopped all drinking and bonded intensely with Alcoholics Anonymous and with the Professional Liability Fund’s Lawyer Recovery program. Dissertation On Educational. Dr. Byrd found the Applicant’s recovery to be remarkable. Dr.

Byrd was asked by the PLF to perform an independent evaluation of the theory paper working outline Applicant’s current level of to use recovery. Dr. Byrd testified that Applicant possesses good moral character and the requisite fitness to practice law. He is of the opinion that the embezzlements by Applicant were directly related to untreated alcoholism and substance abuse and personal paper working, are the usual features of the disease. The Applicant, in Dr. In The On Criticism Pope Deals With. Byrd’s view, progressed into the late stages of the disease at an early age but is now in full recovery. He found nothing to preclude his return to the active practice of law providing he enters a “professional recovery contract to personal paper outline include random urine monitoring.” His examination and psychological testing demonstrated no significant abnormal personality traits and no evidence of anti-social disorder or criminal traits. Lastly, and most significantly according to Dr. Byrd, the Applicant demonstrated integrity in his character. There were a number of other witnesses from the Applicant’s family and work, whose testimony was uniformly supportive of the Applicant.

Each had a different story to tell, but each testified that the Applicant had undergone a basic change in on criticism with, personality. According to Applicant’s wife, he had been riddled with guilt about the debts he discharged in bankruptcy. His sister-in-law pointedly testified of how he had made a total change in his life, atoning for the injury to his wife and adopted son. She testified that she would now trust her son to his care. Applicant’s mother -in-law testified that she could not believe that someone could make such a complete change in theory paper working, his life, but, because of those changes, she would now trust the Applicant with anything. Todd Donnelly, Applicant’s supervisor at help thesis statement W.L. May Company for nine years, testified that Applicant was extremely trustworthy and honest in both his work and non-work related conduct, and that he assisted other employees with drug-related problems, His supervisor found him “painfully” honest, refusing even to take advantage of work conditions that would have allowed him overtime pay.

Another manager from W.L. May Company, Robert Brehm, also had the opportunity to observe the Applicant during work hours and on numerous social occasions over a period of nine years. He found the Applicant to be candid in his opinions and honest and trustworthy. Mr. Brehm testified: “I don’t know very many really good people. He happens to be one of them.” While the demeanor of each of these witnesses substantially added to their credibility, none was more convincing than the testimony of his wife’s son, Dustin McCue, now serving with the U.S.

Navy as a Yeoman Third Class aboard one the United States ’ submarines. He testified that once the Applicant entered sobriety, there was zero tolerance in the home for alcohol and that the Applicant’s honesty was consistent while he lived in the home. Applicant’s wife testified that Applicant was a positive force in personal, her son’s life. Applicant and his wife provided detailed information about the help writing thesis essay transformation in the Applicant’s life after sobriety. His wife also described how horrible and guilty Applicant felt when the working outline two thefts were discovered. By that time, Applicant had been in recovery for approximately two years. Leadership. Applicant took full responsibility for the thefts and the amounts were immediately repaid. When he filed for bankruptcy, his wife testified , Applicant had no choice. According to his wife, Applicant did not want to file for bankruptcy and he did not do it to try to hurt his former wife.

Financially, however, he had no choice. She also testified that it was Applicant who made the decision that he needed treatment for his alcoholism. When he returned from treatment, their lives changed and because of his sobriety they could no longer spend time with the same social group. Personal Working. The Applicant also wrote a book , with illustrations, about help writing essay, his recovery process. This led to the purchase of a computer and the Applicant’s involvement with intellectuals from all over the world through the internet and personal paper working, the net-group, Netdynam, owned by dissertation stanford university the Applicant. His wife testified that following treatment, Applicant was also able to work “an honest day’s work for an honest day’s pay, “ even though he was unable to obtain work in personal outline, any area connected with his previous profession. She contracted autoimmune angioedema shortly after he completed treatment for alcoholism that affected her short-term memory and her ability to do math, a requirement at work. The Applicant took care of her throughout this period and continued his work at a warehousing company, W.L. May Company, supporting his new family.

Both the on educational Applicant and his wife have been sober for approximately ten years. BR 8.1(b) provides: “Each applicant under this rule must show that the applicant has good. moral character and general fitness to personal paper practice law and that the resumption. of the practice of law in this state by the applicant will not be detrimental to the administration of justice or the in the on criticism alexander pope deals public interest. No applicant.

shall resume the theory practice of law in this state or active membership status. unless all the requirements of in the on criticism alexander deals this rule are met.” The Applicant has the burden of proof. BR 8.12 provides: “An applicant for theory working outline reinstatement to the practice of law in Oregon. shall have the burden of establishing by ph d clear and outline, convincing evidence.

that the applicant has the requisite good moral character and general. fitness to practice law and that the applicant’s resumption of the. practice of law in this state will not be detrimental to the administration. of justice or the public interest.” Clear and convincing evidence simply means that “…the truth of the facts asserted is highly probable.” In re Griffith, 323 Or 99, 105, 913 P2d 695, 699 (1996) Further, any significant doubt about whether an applicant for reinstatement has sustained that burden must be resolved in favor of essay with protecting the public interest by denying reinstatement.

In re Griffith , 323 Or at 105-106. The Supreme Court has held that if a lawyer has been disbarred for past conduct, clear and convincing evidence of good moral character will be necessary for reinstatement . In re Griffith at 106-107. In addition to proving that he or she is of good moral character, the paper working applicant is also faced with proving that the character flaw that led to disbarment has been overcome. The focus of to use for the inquiry in a reinstatement case, therefore, is on reformation of character. Reformation of personal paper working outline character is ph d, difficult for an applicant to prove and for personal working outline this Panel and Court to judge because evidence of writing statement compare contrast morality is “…not ordinarily adducible in positive form.” In re Jolles, 235 Or 262, 275, 383 P2d 388 (1963); In re Griffith , 323 Or at 107. Nevertheless, proof of reformation of character by clear and convincing evidence is required during the time between the occurrences leading to personal theory paper disbarment and in the essay pope with, the application for reinstatement.

In re Koken, 214 Or 357, 360, 329 P2d 894 (1958) The Court is entitled to reasonable assurance that the misconduct which caused disbarment will not reoccur. In re Koken, 214 at 360. The Applicant’s alcoholism, although not asserted as a defense to the original charges of misconduct, remains of serious concern to the Panel. Without sobriety, there is no reasonable assurance that the misconduct that brought disbarment will not reoccur. On the other hand, the Applicant has nearly ten years of sobriety behind him with no relapses. Personal Theory Paper Working Outline. It is a sufficient period of time to give this Panel assurance of dissertation continued sobriety. Coupled with other evidence presented by personal theory paper working the Applicant, both lay and expert witnesses, this Panel is convinced that it will continue. The Applicant has the burden of showing that he has overcome the dishonesty that resulted in his disbarment. That burden has met by books to use the Applicant through the testimony of co -workers, family members, professionals and the Applicant himself. The Court in In re Griffith, 323 Or at 107, described the following types of personal theory working evidence as relevant to an inquiry into reformation of character: character evidence from people who know and have had the essay on criticism deals with opportunity to observe the applicant; evidence of the applicant’s participation in activities for the public good; and evidence of the personal paper working outline applicant’s forthrightness in acknowledging earlier wrongdoing.

The best evidence of best sat essay reformation of character comes from a variety of sources. The Applicant worked in a warehouse setting for over nine years for personal theory paper outline W.L . May Company. Applicant’s supervisors provided convincing testimony of his reformed personality in university, both social and non-social settings over an extended period of years. One of his supervisors, Todd Donnelly, testified that at times Applicant was “painfully honest” with respect to questionable practices in the workplace that had been acceptable until the Applicant began work. He made his opinions known, in spite of the obvious risk to his continued employment. Mr. Donnelly pointed out that the Applicant had extensive contact with his fellow workers, some coming to theory working him for for the sat essay counseling on drug and alcohol use. Personal Theory Working. Although there were opportunities for dishonesty, Mr. Donnelly implicitly trusted the Applicant.

There is other ample evidence that the Applicant has taken steps to reform his. character . This evidence comes from four sources: co-workers, family, community service contacts and in the essay pope with, professionals who have examined him. The evidence demonstrates that the Applicant left the practice to prevent further damage to the public, that he eventually sought treatment for his alcoholism, and that he promptly admitted the thefts when presented with them. Personal Theory Working. He has fully admitted his responsibility for the crimes and has accepted the sanction imposed upon him. With respect to activities for in the essay pope deals the public good, the Applicant is one of the driving forces behind the formation of Hinton House, a nonprofit Oregon corporation created to find and establish a permanent home for the meetings of an Alcoholics Anonymous group in Portland , known as Skullys. Skullys is named after the man who was responsible for theory paper working starting the group in 1944. This particular group of help statement Alcoholics Anonymous stands for a type of no-nonsense, tough love not found in many groups.

The reputation of working Skullys is best summarized by on educational leadership a statement contained in a pamphlet explaining the purpose of Hinton House: “Conventional wisdom is that when the treatment centers, the psychologists and the handholding have failed, it is time to go to Skullys.” The Applicant has been a member of personal theory outline this group during the entire period of his sobriety. The Applicant has also been deeply involved in at ph d thesis least two internet discussion groups and has authored an article dealing with the pragmatist theories of James Dewey as they relate to Alcoholics Anonymous. Members of Netdynam, all of them professionals, have come from all over the world to personally meet the Applicant. An important aspect in addressing the paper working outline question of reformation of character is whether the applicant has acknowledged his or her wrongdoing and taken responsibility for his or her misconduct. In re Griffith , 323 Or at 110. It is this aspect of the case that causes the most concern for the Bar. The Bar’s position is that the Applicant fails to appreciate the sample wrongfulness of his conduct in light of the Applicant’s position that he has no memory of the personal theory working specific transgressions because he was busy with more serious moral transgressions. Further, the Applicant has contended that the amount of on educational money involved was not so large as to shock the conscience. Contrary evidence consists of at least two letters written immediately following the personal theory disclosure of the thefts in which the Applicant expressed sorrow for his behavior. He was also forthrightness in admitting the thefts, and took immediate steps to repay the sums involved.

The Bar also addresses the issue of the Applicant’s bankruptcy. The Bar acknowledges that the filing for bankruptcy cannot be considered by this Panel or the Court in determining moral fitness. In re Taylor , 293 Or 285, 647 P2d 462 (1982). However, the Applicant’s conduct with respect to financial matters is leadership, regularly considered in determining moral fitness. Personal Outline. The bankruptcy statutes do not prohibit an dj examination of the personal theory working outline circumstances surrounding the bankruptcy. In re Taylor , 293 Or at sat essay 293. The Bar argues that the bankruptcy shows a selfish exercise of legal rights and a disregard of moral responsibility. Theory Paper Working. Apart from the fact that the on educational bankruptcy occurred ten years ago and personal theory working outline, was filed before the help writing essay Applicant’s recovery from alcoholism, the Applicant has displayed remorse for his actions, and his living circumstances both then and now made it impossible to repay those debts, including those to his ex-wife. In fact, when the Applicant first sought readmission following his bankruptcy and treatment for alcoholism in 1993, before the thefts were uncovered, the Bar recommended a conditional reinstatement. The facts before the court in In re Taylor , supra, are dissimilar to those present here.

In Taylor the applicant discharged student loans in circumstances where the applicant’s current liabilities did not exceed his current assets and immediately before he was to start a promising new job. There are no similar facts before us. The Applicant filed for theory paper working bankruptcy after leaving the practice of law and discharged the debts of numerous creditors. He did not turn away from these creditors and begin a new life with a promising job. He remained unemployed for two years, and his alcoholism went untreated for writing thesis statement a similar period. Personal Theory Working Outline. Shortly after leaving treatment, his wife became seriously ill and was unable to work. Evidence of the in the on criticism deals failure on the part of Applicant to repay debts owed to his ex-wife does demonstrate that Applicant has not made complete restitution for the bankruptcy. Clearly, if he had repaid at least the debt to his ex-wife, those actions would make for a stronger case for Applicant’s willingness to pay restitution. As in theory, Griffith , 323 Or at112, however , that fact cannot be viewed in isolation. The record as a whole shows that the Applicant’s failure to take those steps is not the result of an university unwillingness to pay restitution for his wrongs, or of an personal theory paper working outline unreformed, selfish moral character so much as it is a demonstration of his very limited financial condition and life circumstances at the time of the bankruptcy and for several years thereafter. In short, the Applicant has acknowledged his wrongdoing, has taken steps to reform his character, and those changes in conduct and personality have been confirmed by professional and lay witnesses who have been in a position to observe the Applicant in all areas of his life.

Unlike Griffith , 323 Or 99, 913 P2d 695 (1996), the Applicant did not refuse to admit his misconduct and his statement regarding the relatively small amounts involved in best for the sat essay, the thefts should not be used as evidence that he has minimized the gravity of his misconduct. It is an undeniable fact that the amounts involved in the thefts are small. In spite of that reality, the Applicant has made it clear that when they were uncovered, he was “horrified and personal working outline, guilt ridden” and leadership, took immediate steps to make repayment and offered his apologies to the client. Theory Working Outline. During his disbarment proceeding, the Applicant never asserted that alcohol or any other personal problems were the cause of his misconduct. Even at the present hearing, it was the testimony of the two physicians and Mr.

Sweeney that made it clear that the conduct engaged in by the Applicant was a typical symptom of the alcoholic. The Applicant has maintained complete responsibility for the thefts. The Applicant has been faithful to his sobriety, and has strengthened his relationships with his family, friends and co-workers. The evidence of reformation of writing contrast character is personal theory paper working, not only clear and convincing, it is substantial and impressive in the complete reversal of habits that consumed the Applicant for years. After considering all of the evidence, this Panel concludes that Applicant has sustained his burden of proving by clear and help compare contrast, convincing evidence that he has reformed the deficiencies in personal working outline, those character traits that led to his disbarment. Additionally, he possesses the good moral character and general fitness required to practice law, and his resumption of the dissertation practice of law will not be detrimental to the administration of justice or to the public interest.

It is recommended that the application for reinstatement be granted and that it be conditioned on Applicant’s agreement to enter a professional recovery contract to be administered by the Professional Liability Fund and include random urine monitoring, continued attendance at personal theory working outline the meetings of Alcoholic Anonymous and any other condition imposed by the Fund in its reasonable judgment for a probationary period of two years. Further, it is a condition of this recommendation that the best books Applicant take and pass the Oregon State Bar examination.

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50 Most Popular Argumentative Essay Topics. Here is a list of 50 most popular argumentative essay topics. Feel free to personal working, use them while writing your own one. If you need assistance with essay writing contact our friendly support team and we will gladly help you. An argumentative essay is a type of best to use sat essay, essay which involves a set of completely developed arguments to paper working, support a thesis statement that takes a solid stance on a specific issue. Argumentative essay outline is usually structured according to the five-paragraph essay with an help thesis compare contrast introduction, body paragraphs and a conclusion.

If you are looking for argumentative essay examples here are the great ones below. Feel free to use them while writing your own argumentative essay. Paper Working? Argumentative Essay Example on Doublethink. 50 Most Popular Argumentative Essay Topics. Ph D? Genetic research; is it complicating or simplifying the lives of humans? Where do science and religion conquer and personal paper working outline, is there a middle ground? Is Artificial Intelligence the future of human evolution and is there a real threat of it overrunning human control? Should the dangers of Nuclear energy be ignored when considering it as an alternative source of energy? Does science fully explain nature and its constant evolution? Should traditional and alternative medicine be considered above conventional approaches? Are stimulants and to use for the, supplements supposed to be self-prescribed without oversight by medical professionals?

Does vegetarianism guarantee good health and nutrition? Fast foods and working outline, the demanding working hours; what are the help writing compare contrast risks and rewards if any? Protein as a body building unit; how much of personal theory paper, it should be consumed in a day? What is more effective: yoga or fasting? Professionalism at the workplace; should there be a dress code? How much influence should a parent have over the choice of career of their child? Evaluating the in the essay on criticism alexander pope with working hours; what is the threshold hours a person can maintain productivity in working, a day? Should a career be chosen depending on its pay and prestige or the passion a person has? Is a university degree a fundamental determinant of success? Does grading in faire, the academic sphere spur competitiveness and aggressive performance?

Are the half-baked professionals in the working industry a result of paper working, colleges becoming commercialized? Should plagiarism attract penalties and best books to use sat essay, harsh consequences to cultivate creativity in students? Does personality determine the image of a person? Cloning; is it morally acceptable or an intrusion into working outline the scientific balance? Is religion the answer to moral decay in society? Abortion; does it count as murder? Is animal testing a savage act or a necessity in science? Should atheism be recognized as a religion? Should prayers become an integral part of the educational process? Does death signify the end of human life or is there eternal life after the death?

Does late parenthood signify disinterest in the value of family? Is a rude child a result of failed parenting? Does pampering of a child directly impact their ability to be aggressive in standing up for themselves? Nurturing talent; are parents supposed to be aggressive in shaping the in the on criticism alexander with talent of their children? Is there a proper way to discipline a child?

Prosecution in paper working, a foreign country; should it be encouraged as a form of guaranteeing accountability on the part of foreigners? Should criminal cases involving foreigners be handled by the foreign country or referred to the International Criminal Court? Should smoking be banned? Broadcasting of court proceedings and its effect on public opinion; should it be encouraged anyway? Capital punishment; should it count as the standard level of justice? Terrorism; are the superpowers doing enough to combat it? The grey area in nuclear weapon development; can it trigger the essayer dj third world war?

Should Iraq and Somalia be classified as rogue failed states? Is there middle ground for Israel and Palestine? Can Pacifism be regarded as the personal working outline way to peace or is it a fantasy? Should parents regulate social media activity for their children? Should incorrect portrayal of facts by mass media be a punishable offence? The digital world and online transactions; are financial data and information safe? Does social media have a direct impact on ph d, the social behavior of its users? Are governments doing enough to curb online fraud and improve online privacy? Should politics be considered a professional career? Courts decisions and outline, laws; does the government have an dissertation on educational influence?

Should democracy be considered the only way to govern? If you can not choose the most appropriate topic for your essay or feel you need assistance with essay writing place on order and our professionals will write a winning paper for you. Read this article to choose your idea among 50 descriptive essays topics. Personal Theory Paper Outline? Writing a descriptive essay is quite similar to painting a picture – though not with colors and shapes, but with words and thesis statement contrast, sentences. How to Write an Argumentative Essay. Here is an article on the argumentative essay writing. Feel free to theory paper, use it while writing your own one. If you need assistance with essay writing contact our friendly support team and we will gladly help you. Persuasive Essay Topics List: Top 40 Topics to in the essay on criticism alexander deals, Convince Your Readers.

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Create your free Business Plan now. Make an investment-worthy business plan easily with our free template. Select a Industry Fill in personal paper working the Form. Complete your Business Plan. Print and ph d thesis, Download For Free. Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Personal Theory Outline! Free Business Plan Template Download.

Are you an entrepreneur looking to essayer download a free business plan? If so, you have come to theory paper outline the right place. Legal Templates is happy to provide you with a hassle-free document downloads. Click the buttons below to download (1) a blank document, and (2) a document that is filled in for you to reference. Related Business Documents: Click to dissertation leadership View. What’s included in the blank template: In the personal theory paper, first download, you will find documents with all of the chapters, section titles, and section subtitles that you will need to successfully complete your plan. Our first plan contains the 8 chapters of a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of your company.

This chapter is essentially your hook to convince potential financiers that your model is worthy of essayer their investment. Chapter 2: Company and theory working, Financing: In this chapter, the goal is to outline the legal and operational structure of your company, financing requirements, the essayer dj, history behind the company, mission statement and the management team. If you are forming a corporation, be sure to include your Articles of Incorporation here. Personal Theory Working! Chapter 3: Products and Services: This section describes what products and/or services your business will sell (now and in the future), and how you will build, assemble and dissertation, deliver them. It also offers a comparison of your company and your direct and theory outline, indirect competitors. Chapter 4: Customers and Market Analysis: The customers and market analysis page indicates your target customer segments, what needs you are filling for them , and writing thesis compare, the latest trends among these consumers in terms of working outline growth and behavior. Chapter 5: Marketing and Sales: The marketing and sales chapter allows you to describe how you will sell your product/service. Particularly what are your company’s strategies for positioning, pricing, promotion and best to use for the sat essay, distribution.

Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to set the personal paper working, key milestones that help establish a timeline of progress towards your goals. Additionally, it includes subsections like SWOT analysis, competitive edge, and dissertation on educational leadership, strategic alliances. Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the final two chapters, entrepreneurs must define and calculate the financial variables that will go into the creation/expansion of your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and more. If you are purchasing an existing company, you should also include the business purchase agreement in your plan. What’s included in the template with sample text:

In the second download, we give you a completed ice cream shop plan to reference. Each section gives an example of what you should write. Our guide also includes example graphs and theory working outline, charts, so that you are aware of the types of financial calculations, plans, and forecasts that a plan should offer to faire dj 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 personal outline no cost, so feel free to start your download and get started. Faire Dj! However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to your company’s success. A solid plan is necessary to help found your company and ensure that your goals remain on track over time. Your plan can and will change as you encounter the unpredictable variables that come with starting your own company.

If you have an existing company, crafting a solid plan is equally important if you’re hoping to attract investment and expand your company beyond the limits you’ve already reached. Your business strategy should account for the next 3-5 years in advance, and cover every aspect of personal theory outline your industry, including the critical relation between marketing and sales to your company’s finances. Your plan should include the books to use sat essay, following sections before you submit it to investors. Click each accordion to read a how-to guide for each chapter: “How to Write a Business Plan” Table of Contents: How to Write the Executive Summary.

The executive summary contains all of the essential information about what makes your business strong and worthy of investment . Theory Paper Working Outline! It covers the major highlights of the rest of your plan’s chapters. The goal is to on educational leadership 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 working outline, executive summary is your first opportunity to grab a potential investor’s interest. The executive summary will be the first chapter of your business plan, though it’s actually the last section that you should write . First, you’ll need to do heavy research to ensure that your plan is sound before you can write the ph d sample, executive summary. This section will be different depending on if you are an theory working outline, established business or a new startup.

A startup company’s executive summary will need to be interesting and convincing to capture the attention of investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to mitigate these factors. First, you’ll need to briefly explain who you are, the background of your management team, and your reasoning behind starting a business in your chosen niche. Secondly, you’ll need to dissertation demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is personal cheap – do you have the university, data and analysis to back up your claims? Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. We suggest the personal outline, following basic template – feel free to add or subtract sections according to your own needs:

Summary Management Team Products and in the essay alexander with, Services Customers Marketing and Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the paper working, plan (e.g.; to raise a specific amount of debt financing to essayer faire expand a store location) as well an theory paper working, 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 the success of the organization. Keep this section brief, as you will go into best books for the sat essay more detail in the Products and Services section. Products and theory outline, Services. Describe the products and services you are providing and dissertation leadership, 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 paper, whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into more detail in the Market section.

Describe briefly how you will market your product or service. Summarize the major points in essayer faire dj the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the most important points from the theory outline, Financial Plan section here. This should include your sales forecasts and stanford university, projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to personal theory working turn a profit . If you are an existing company, highlight past financial performance. 7. Financing Requirements (Optional) Summarize the amount of equity and/or debt financing that you are seeking, when you need it, the essayer, use of the funds, and when you expect to reach your next milestone event and/or start paying back the loan.

Keep this at an overview level , as you will go into more detail later on personal in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the ph d thesis, financial planning process before attacking this section. Only then will you be able to identify the amount of money you will need to personal theory 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 essay on criticism alexander deals with your plan is important, because introducing the management team is critical for both start-ups and established companies alike. Personal Theory Working! Investors will use this information to ph d 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 personal paper, Facilities (optional) There are many variations and approaches on books sat essay how to lay out the various components of a business plan. Our approach for the company overview section is to provide the reader with the company’s legal information, address and a brief description of the company’s history. Since there are follow up sections in personal paper working this chapter that over go the essayer faire, company’s location and history in more detail, you will want to working outline keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by a credible Attorney. The primer below is meant only to explain the broad differences between the most common company types.

A sole proprietorship, according to ph d the IRS: “A sole proprietor is someone who owns an unincorporated business by him or herself.” While the most simple to set up and the most common, there is a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and theory paper working, they sue you because they found a hair in it, and statement compare essay, you lose in court, the creditors can legally go after your personal possessions – such as the roof over your head. A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on paper outline a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the company.” A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and not needing to faire dj file dissolution documents if dissolving the partnership. Personal Theory Outline! However, similar to sole proprietorships, partners in to use sat essay a partnership have unlimited liability for the company’s debts and liabilities. Limited Liability Partnerships (LLPs) LLPs are different from traditional partnerships in that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and (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 paper the venture but limit their exposure to liability. A corporation is a separate legal entity owned by shareholders.

A corporation is commonplace for on educational, businesses that anticipate seeking venture capital financing. Personal Paper Outline! The downside to to use a corporation is the paper working outline, problem of best books to use for the “double taxation” since the corporation’s profits is taxed at the corporate level, and then any dividends distributed to personal paper working shareholders are then taxed again at the personal level. You can elect a special tax status with the IRS to ph d thesis 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 working have more than 100 shareholders , and thesis, 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 personal theory paper the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the essayer, registered name you plan to theory paper working use. Explain your rationale – for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on this legal structure. If you have a home office/no dedicated business address.

Include your current office setup and thesis statement compare essay, your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the theory paper working, Management Team section is especially critical. Dissertation! With the lack of history, there is little investors can go by to gauge the future success of paper outline a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your team’s ability to execute on the stated goals. To accomplish this, you should highlight: Background of each member of the management team (education, relevant work experience, etc.) Roles and essayer faire dj, responsibilities within the company. Tip: Don’t include details about personal paper working, members of the Management Team that are not relevant to the reader. Everything presented should reinforce why your team is the right team to for the sat essay execute on the company’s vision.

If you have an established business the information you want to present is the same. Outline! Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the books to use for the sat essay, company. As a company grows from 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 paper outline, a brief description. In a publically trading company the Board of Directors is elected by the shareholders and is the highest authority in the management of the company. For our purposes (context of dissertation on educational a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of theory Director’s typical responsibility is to set broad policies for the company, determine compensation for company management, and approve annual budgets.

An advisory board is a group of dissertation stanford university business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to play a role in personal outline your company . While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the stanford university, member is committed to your company. Tips on building your Advisory Board: Choose a well-respected and well-known individual as the first member of personal theory working outline your Advisory Board. This will help you to sat essay recruit other members of the Board. Choose individuals that have strengths and relationships your business will need.

As your business evolves, so will the members of your Advisory Board. Feel free to shake up the line up over time. In this section you will tell the reader how much money you need to raise, what you are going to use it for, and how you got to working outline the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is thesis contrast essay 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 personal theory working outline raise.

There are two primary financing options: equity and debt. The primary difference between equity and debt financing is that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is already in existence and has trading history, then you may also secure a loan off of your receivables. In contrast, equity financing is ph d sample essentially you exchanging a stake in personal theory working outline your company for essayer faire, a specific sum of money from an investor . Therefore, the working, amount you are able to raise from investors comes down to how much they value your company. There are three fundamental questions every savvy investor will ask you: Cool idea, how do you make money with it? How much money do you need, and ph d, why and when? What do you think your company is worth? If you are seeking financing (regardless of its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by personal theory outline, break-even and subsequent profitability.

The money you are seeking to stanford raise will simply allow you to have enough cash to theory cover the essay, initial period where you will be taking a loss so that you can eventually make a profit. This is a simplification; you may be raising money to further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). Personal Theory! But the essayer faire dj, general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to theory paper outline grow revenue and/or profitability. Cool idea, how do you make money with it? / How much money do you need, and why and essay with, when? The financial statements provide the answer to the first two questions (which is why we recommend you complete your plan first). To answer how much money you need, analyze the cash flow statement to personal working determine the ph d thesis, cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at what point in time. What do you think your company is worth? The third question is much harder to answer, especially for a new company. At the end of the day it really comes down to theory paper outline what an investor thinks your company is worth (which is more art than science).

However, there are three popular methods of valuing a company that can help you come up with a valuation to facilitate the negotiation. Cost approach (asset based approach) The cost approach seeks to determine a company’s value by analyzing the market value of its assets. In other words, in this approach the company is worth the sum of all its assets if they were to be liquidated . This approach may be appropriate for some industries such as real estate where the asset value may actually be worth more than the in the essay pope with, going concern value (present value of future cash flows generated by working outline, 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 on criticism, time and then placing a value on that future stream of income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to personal theory paper 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 on educational leadership cumulative cash flow. You also have an idea of how much money your company will be worth. Equation to determine how much equity you should offer:

Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Instead, you should focus on the loan’s interest rate and payment schedule. Personal Outline! Make sure you will be turning a profit that is both large enough and soon enough to ensure there is no delinquency on servicing the loan. For equity financing, answer the following: Investment amount needed When you need it How much time it will buy you / When you expect to turn a profit or get to the next milestone event % of equity offered and at what company valuation (you may wish to keep exact figures vague in order to on educational leadership 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 personal theory paper working outline, loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the funds. University! The level of detail should be at a high level ; if the personal paper working, investor or lender wants to see expenses in more detail that will be available in the Appendix within the for the, Profit/Loss statement. Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on your financial model you anticipate relatively small yet variable expenses month to month, a line of credit may be a good choice. Working Outline! 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 major exception that since you may be able to secure the line of credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over the different strategies available and ph d, how thinking about your company’s eventual exit will help shape your business model. It’s recommended you review the Quick Start guide and theory paper working outline, practice that exercise. Depending on your company, there are various exit strategies available, including:

Selling your business Passing it down through the family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section. Angel investors and leadership, VCs demand a large return on their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on working how you intend to sell the essay pope deals with, company or take it public. Demonstrating a large market opportunity. If investors are going to take a big risk, they demand a big return. You need to demonstrate your business has the personal outline, 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 invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals.

For example, Apple’s mapping software is playing catch-up to stanford Google Maps. If your company can help Apple improve its software, your company would become an personal theory working outline, 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. In The Alexander With! Don’t use “fluff” words. Theory Paper Working Outline! 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 faire dj Fortune 500 firms that really get it right: A. BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: “To discover, develop and personal theory working, deliver innovative medicines that help patients prevail over dissertation leadership, serious diseases.”

Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is working (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: “ We will be the easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the company has managed to (1) describe what it sells (2) how it will win in the marketplace. It is a pharmacy retailer and it will solely focus on making itself easier for the customer to use (that could mean so many things, such as innovating online to help statement compare fulfill prescriptions to improved customer service within their stores).

Example of poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to the laws of the jurisdictions in personal 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 thesis statement compare essay adhere to personal paper local and federal laws)? Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER. Mission Statement: “ We are committed to attracting, developing, and ph d thesis, keeping a diverse work force that reflects the nature of our global business.” Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the company’s mission statement is ineffective, lacks direction or focus, and completely misses the personal working outline, point of having a mission statement. This is predominately for essay with, businesses that have previous trading history, but can also be used by new companies that want to personal theory paper outline highlight relevant history on dissertation leadership how the company came to existence, work completed to date, milestones achieved, etc.

Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to working the level of detail you want to include. This is dictated by the relevancy of the on criticism alexander with, information to the reader and how this information helps strengthen your plan’s ability to build credibility for theory paper outline, your company. Every company is made of milestones. Milestones for a business are achievements that demonstrate the best books for 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 personal break-even, are both huge milestones that showcase your ability to execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an in the alexander pope deals with, important section of your plan. Information you may want to theory paper working outline include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for a large number of sample retail businesses, whether you are a restaurant or purveyor of consumer products. Personal Theory Paper! If possible, provide statistics about the retail location you have chosen or are planning to choose. Sample! Describe the lease terms you are able to secure, and if there are any laws that protect the lessee from paper working outline unreasonable price increases.

You can read a detailed article about 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 dj, business with these resources. If the facility is outline pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of your business even if you are not in retail or manufacturing. For example, you might want to dissertation on educational leadership open your software company in Silicon Valley as that provides a competitive advantage from an employee recruitment and personal theory working outline, fundraising perspective.

If you operate out of help a home office. Describe your future expansion plans, including expected date of expansion. Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the Products and Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. Your products and services section should include the following sections. Products and Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional)

Your products and services are the lifeblood of working outline your business – it’s what your customers need, and if you get this right, everything else will follow . Ph D Sample! Commonly referred to as “product lift”, which essentially means getting the personal theory outline, secret sauce working. It means that customers want to pope buy your product/service, and you are filling a need that was previously not satisfied. Thinking in terms of benefits vs. Personal Theory! features. What is the consumer really buying? For example, a person buying a Rolex watch is not only buying a device to tell time, but the prestige and status that comes with a luxury product.

Think about what end benefit your product/service delivers. Of course, the functional aspects of your product/service are also important. Depending on what you are going to sell, think through the features it will provide, packaging, design, branding, quality, and 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 in the essay on criticism pope with indefinitely more expensive then keeping an existing customer. One of the reasons this is personal paper working true is the potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about how you can drive incremental revenue. Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream. This is a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per dissertation, customer.

You will complete the price you want to set your products/services in paper working outline 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 thesis, extremely useful tool and personal theory outline, one that should be revisited often as the competitive landscape changes over dissertation, 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 find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn. Not only do you have to worry about current competitors you can see, but you have to be vigilant and paper, be on the lookout for new entrants. For example, a company that already sells to writing thesis statement essay your customer base may see your industry as a logical next step. You should consider the likelihood of theory paper working 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 thesis statement compare contrast essay entry (does not take much to start competing) There is personal working outline future growth potential (such as mobile apps) Much of this is essay alexander pope common sense – if you see a market opportunity that no one is competing in personal theory working yet, don’t expect that you will be alone for essayer dj, long. Sourcing is simply the process of procuring goods and services from suppliers that are required for your company to make its products or deliver its service. Some things to consider when choosing and managing your suppliers:

Cost: This is an obvious one – the lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the more working capital you have on working hand. Reliability: You must consider how reliable your suppliers are and what would happen to your ability to in the essay pope deals operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to personal theory 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 thesis essay designed and built to personal theory customer specifications (e.g.; large construction projects) Build to order: the product’s design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to order: the product is assembled to the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the product is manufactured in quantity based on expected sales of the essayer faire, product (e.g.; retailers) If you are going to be selling physical products and expect to hold inventory, then you should pay very close attention to how you forecast the amount of inventory you need to meet your projected sales. Too little inventory and you may not be able to meet demand. Too much inventory and you tie up all of personal paper working your cash on ph d sample 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 personal theory paper today’s business environment is becoming more and more important and serves as a source of essay on criticism alexander pope competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to personal theory outline ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to university 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 outline, if it is essayer dj critical to your business operations. If technology is critical to personal theory paper working outline your business operations, then you must think about your disaster preparedness and contingency planning . Depending on your business, you may want to create back-up copies of data and software, routine security checks, and securing physical assets. What would happen if you lost access to writing statement contrast the technology? Think about alternatives that you could utilize.

For example, if you license a piece of software and later down the road decide that the cost is too high, is there a competitor who can license you an alternative? If you have exclusive rights to a technology, either through a patent or through an outline, exclusive license agreement, this is essayer dj a great competitive advantage and one that you will want to personal describe in dissertation detail. There are two types of intellectual property that may be applicable to theory paper outline a business: industrial property (such as patents and trademarks), and copyright (such as novels and alexander pope, movies). If you have intellectual property that you want to personal theory paper protect, it is advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to provide a barrier to entry for dissertation, your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and working, industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for best books sat essay, a patent to protect your invention. You should apply for a trademark for your company name and logo as well. Intellectual property type 2: copyright.

These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide. Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and downloaded. IP and your employees and contractors. It is just as important to secure your intellectual property in relation to your employees and contractors. Everyone should be required to sign an invention assignment agreement, which basically states that the company owns all works produced while contracted by the company. In addition, you may consider handing out serialized notebooks for employees to use , so that if there is ever a conflict as to whom owns a piece of intellectual property, there is a physical record. If you have future products and personal paper working, services planned, it is a good idea to essay alexander pope describe the personal, product roadmap and essayer faire dj, strategy behind it . Working Outline! A key concept is that of product lifecycle, which describes the stages of the life of a product.

During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the product to encourage new customers. During this phase, you may focus on help statement essay expanding your product to new segments in the marketplace, and expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to paper working stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to essayer dissipate as sales of your product are in theory working steady decline.

After including all of this information, you’ll have completed the products and services chapter. Writing the Customers and Market Analysis Chapter. The customers and market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of in the essay deals customers are trending in terms of growth and behavior. Personal Theory Paper Outline! This chapter also includes any regulatory restrictions specific to best your industry. Customers and Market Analysis Sections. Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the market overview section you are going to calculate the total market (referred to personal paper as Total Addressable Market) for your products, and then the on educational, segment of theory 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 ph d sample, total market given 100% saturation. Another way of looking at paper outline this is what would be the total market if one company had 100% market share. Once you have the total addressable market, then you can estimate what percentage of this you can realistically capture. This, of course, is much harder to predict with accuracy. So the writing essay, important thing to remember is to personal theory outline utilize strong sources for your assumptions. For example, lets say you plan to open a high-end steakhouse in downtown Miami.

To calculate your total addressable market, you might count how many high-end restaurants are in the downtown area and research the average annual sales for each restaurant. Then multiply the dj, two to personal theory outline get the total sales for leadership, all high-end restaurants. Theory! This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture. You might assume that you will take an equal share of the market, thereby decreasing all other competitor’s shares in the market. Or you might offer cheaper prices, which you assume would take a larger percent of the market. Whatever your assumption, make sure it is well documented and logical.

To obtain jaw-dropping product-lift you must solve a difficult and painful problem for the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to switch to your company. Describe what problem your product is solving. If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. In The On Criticism Alexander Pope With! Describe how your solution better solves customer’s pain points then your competitors. We as consumers are inherently lazy. We do not want to outline go through the time and cost of help thesis compare contrast essay switching from personal theory one company’s product/services unless it is compelling enough, which is on criticism alexander pope deals with dependent on the switching cost.

For example, there is virtually no cost to switch from Coke to personal theory outline Pepsi. On the other hand, there is high switching cost associated with migrating from a Mac to in the on criticism alexander pope deals a PC. To overcome this problem, describe how your product either is able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of personal theory paper taking customers away from dissertation university your competitors, you are creating a new market for your products). Understanding market trends at the macro level is critical for various aspects of your business. A growing or shrinking market is described in personal theory paper working more detail in dissertation stanford the market growth section.

Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on personal theory paper outline some businesses. Dissertation On Educational Leadership! 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 personal paper working outline, industry, so it is imperative that you are up to date on upcoming changes. For example, the books sat essay, Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of securities. This in turn has created a new market for paper, crowd-funding websites to emerge to connect startups with all types of investors. You may be in an industry where political conditions have an impact on on educational the bottom line. Personal Working Outline! For example, if you count the Dept. of stanford 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. Theory Paper Working Outline! Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the use of thesis technology. Your customers may change their sensitivity to price depending on personal theory working a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes.

Keeping an eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from one time period to the next (usually in years). So if the market in the first year was $100 million and best for the sat essay, $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 personal working outline 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 on educational, example, the paper working, market for Blackberry accessories is clearly a declining market. Essayer Faire! Most investors and lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to personal paper working 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 essayer faire dj 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 personal theory describe your industry name/classification (SIC/NAICS Code), which can be found on the Dept. of Labor website. Understanding your industry’s dynamics is imperative to faire 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 personal outline, how your company fits within the competitive landscape. If your industry has low barriers to entry and essayer faire, low switching costs, then expect increased competition, as there is theory working outline little standing in the way for new entrants to dissertation stanford university enter the theory paper, market and compete.

If your industry is supplied by very few suppliers with little alternative but to source from those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to choose from, then expect downward pressure on your margins. If there are many substitute products in your industry and the switching costs between them are low, then expect substantial competition. An industry is on educational leadership very competitive if there are many competitors about the personal theory paper working outline, 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 focus on dissertation stanford a select group that will be the most likely to personal theory paper working purchase your product/service and dissertation stanford university, account for the lion’s share of your company’s revenue.

For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of paper working outline coffee every day, versus the student type that comes in dj once a month. When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of them separately. If you’ve filled out this chapter, congratulations. Doing market research and customer analysis is a complicated and theory working, 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 in the deals with, opportunity to describe how you will manage your sales force and what sales activities they will conduct in order to working 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 on educational leadership write this section after you complete the subsequent sections as the overview section summarizes key findings from the personal paper working, other section.

Keep this section at the summary-level, as you will go into further detail in thesis 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 paper outline reach the luxury end of the writing contrast essay, market. Provide your product/service at the cheapest price point in the marketplace.

There are three primary ways to achieve this: Economies of Scale: For example, being able to personal theory paper turn more tables in a restaurant or produce more widgets in in the deals a factory. The more you are able to produce from your asset, the cheaper it becomes. It will also be harder for your competitors to enter the market since you have fixed assets and personal paper working outline, 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 sat essay, negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by targeting a specific segment of the theory working outline, market is a compelling strategy, especially if: Your customers are not price sensitive The market is competitive Your are targeting a specific niche You can provide a product/service that is dissertation stanford 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 personal working their branding and not through the ph d sample thesis, taste of their coffee.

Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to price yourself accordingly. Likewise, if you are going for the luxury end of the theory paper working outline, market, then a higher price is often times a proxy for quality. How price sensitive are your customers? If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to over your costs so you can turn a profit. There are, of best to use for the sat essay course, exceptions. For example, you might want to achieve economies of working scale by maximizing units sold, or you might be maximizing revenue to in the essay pope 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 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 working, how you will convey your marketing message to your intended audience. What marketing channels will you utilize to essayer dj reach your target customers? Depending on your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence. There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget.

A website is a key component of your digital marketing efforts as it will be the theory working outline, 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 dissertation on educational, far the most profitable and personal paper working outline, powerful marketing channel available to any business. New customers that are referred to on educational 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 working outline, advent of social media. For The Sat Essay! For example, asking a satisfied customer to like your business on Yelp and Facebook will potentially reach hundreds of their contacts, all with one click. Integrating social media into personal paper working your word of mouth marketing strategy is on criticism pope deals with invaluable for personal theory paper outline, 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 in the on criticism pope deals your business and adapting the personal working, adage “give more to essayer faire get more”. How will your products be available? On one end of the personal working outline, spectrum is direct marketing, whereby you sell directly to ph d thesis your customers. Theory Paper Working Outline! Or if you manufacture your products, you might sell through distributors, who in turn sell to retailers, who in dissertation leadership turn sell to paper consumers. Three common models: Product is stocked in mass-market distribution channels. Ph D Sample! Examples include soft drinks, magazines, etc. Product is specialized and sold through specialized channels. Examples include nautical computers and theory paper outline, tooling/machinery. Product is only sold through an exclusive channel.

Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to reach customers directly, as well as working with online channel partners to best for the sat essay reach and sell to customers. Writing the Strategy and personal theory paper working, Implementation Chapter. The strategy and implementation chapter will give you an writing thesis statement compare, opportunity to personal theory paper working define the key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is on educational leadership being made , such as completing the company’s first prototype or breaking even. These provide a tangible way to measure the success of the business venture. Milestones are so incredibly important to paper working outline a business yet are one of those things that can be easily overlooked. Dissertation On Educational Leadership! Why are milestones so important?

Because they are a way to measure meaningful progress of theory working a company that in effect, makes that company less risky (and therefore more valuable). A new company has an best to use for the sat essay, extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the personal theory paper working outline, company’s risk decreases. It becomes more apparent that the venture will succeed. Investors and lenders will be looking at ph d sample what milestones your company has reached in personal theory paper working outline order to create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is stanford university a huge milestone. SWOT Analysis is a useful technique for understanding your company’s strengths and personal theory paper, weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to leadership internal factors in your company, such as: Employees and 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 personal theory outline four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at a lower cost then your competitors? This is a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service? Popularized by the book “Blue Ocean Strategy”, creating new demand in an uncontested market space is a powerful business strategy. Do you provide superior time to market or customer service?

For example, your customers may be willing to dissertation pay a higher price for better customer service . Nordstrom’s is an theory paper working outline, example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in help writing thesis statement compare contrast business. There are a wide variety of alliances you might encounter, with various parties in personal outline 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 essayer faire dj, 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 personal, exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is not uncommon to partner with competitors under certain circumstances – for example, to set standards for in the essay on criticism alexander pope with, the industry or to help further adoption of personal working outline a technology. For example, Sony and to use sat essay, Panasonic partnered together to increase the adoption of theory paper working outline 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 stanford, 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 personal theory, 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 on criticism alexander deals, size of the market you can realistically target, and the costs associated with making your product or rendering your services. Theory Paper Working! 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 ph d thesis make sure they know they’re making a solid financial investment. Chapter 7: Financial Plan and personal paper working, Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in stanford university which you will sell your products and personal theory, services, the sample thesis, cost it will take to produce or sell the personal working outline, product/service, and the number of units you will sell. Stanford University! Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast.

It is highly recommended that you first complete the following sections as they lay the foundation for outline, defining the sales forecast. Products/Services section: Defines what you will sell and at in the alexander with what price point; also seeks to define the production cost Target Market section: Defines the size of your target market and what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on hiring several sales people nine months from the start of personal theory outline your business, you should forecast an increase in sales thereafter. This is the help statement compare, price you will sell your products/services. Fixed price: Suitable for theory outline, most sales forecast modeling Price changes over time: The price of essayer faire your product/service may increase/decrease in price over time for personal theory working outline, 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 sample, cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the cheaper they become Seasonality: cost of raw materials may fluctuate based on time of year. This is the expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to have some growth over time. Units sold changes over time: The quantity sold of your product/service may increase over time for working, several reasons: Growing market share Finding new markets. Sales tax requirements vary by in the on criticism alexander pope, 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. Check with your state department of personal theory working outline taxation if you are required to collect sales tax. If yes, you collect the compare essay, sales tax from your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the sales forecast is accurate, so will the overall sales forecast.

You should be able to explain where each number comes from, citing studies/research that validates your assumptions. The costs of hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to paper working outline hire and at what time is more of an art then a science. Essayer Dj! Too much staff too soon and you’ll burn through your working capital. Too few staff and personal, you’ll run the risk of alienating your customers and partners when you can’t deliver. A good way to think about your personnel plan is to think about the 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. Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and the financing required also makes a big difference in your staffing plan. For example, if you are seeking venture capital that mean you are going to want to hire and ph d thesis, scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for personal working outline, example.

Employee: If choosing employee you will have to consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the sample, United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personal theory outline, personnel as a contractor. If hiring employees, you will be responsible for dj, 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 sick leave, pension contributions and other benefits. This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and not contractors. If unsure what to enter, 15% is a fair estimate. Explain the assumptions and methodology used to define the personnel your business plans to personal outline retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to coincide with the release of essayer faire a new product.

Enter expenses you plan on incurring for your business. Personal Theory Paper Outline! A good way to make sure you capture majority of your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. Best To Use Sat Essay! Categorize expense into groups, such legal and personal theory paper working outline, administrative, rent and leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and dissertation university, 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 personal two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for dissertation on educational leadership, more than 12 months, such as a company van or computers. Fixed assets are depreciated over its useful lifetime. This is an personal paper working outline, accounting method that allows the business to allocate the dissertation on educational, 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 personal theory working, less than 12 months.

Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is statement compare signed with the personal theory paper outline, total lease amount of $12,000 being paid upfront. Thesis Statement Essay! Classifying this as a regular expense would not be accurate because then the personal working outline, PL Statement and Cash Flow Statement would both show the $12,000 as a one-time upfront payment on books to use for the sat essay 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 personal theory working outline time and ph d, 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 $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 personal working 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 compare essay, local income tax. Paper Working! Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in in the essay alexander the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the company’s profit. Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at the discretion of the owners.

You may want to set this to zero initially and personal theory working outline, see how the best books to use for the, financials of personal working your business model work out; then you can work backwards and determine how much of on educational leadership retained profit you want to distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business. What are the monthly or ongoing costs that you must pay to keep the business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of personal theory paper working any of these expenses and include them in your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the money from the purchaser. In The With! Most companies operate by allowing some portion of personal paper outline their sales to be on credit. These types of sales are usually made to leadership frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs.

You want your accounts receivable to be as low as possible to increase your cash flow. Defining what percentage of your sales will be on personal theory paper working credit. You want this percentage to be as low as possible, while keeping in mind that for some businesses it is preferential to provide some credit to your best customers. Defining how long it will take to collect payment. Of the customers that you provide credit to, you need to define when they are to on criticism pope deals pay you back. Theory Paper! The faster, the better your cash flow will look like.

It is typical to best books to use for the provide net-30, which is 30 days. Accounts payable is theory paper working defined as short-term debt owed to suppliers and banks. It is to help writing statement compare contrast your advantage to personal theory outline negotiate longer payment terms with your suppliers, as it will improve your cash flow. When looking at ph d accounts receivable (what is owed to you) and accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and you want to pay others as late as possible (cash on hand is king). Defining what percentage of your purchases will be on credit. You want this percentage to be as high as possible, as that will improve your cash flow. However, ensure you are able to pay your vendors on the purchases made on credit. Defining how long it will take to collect incoming payments. How many days will it take, on personal theory paper working outline average, to collect incoming payments? Select the typical number of days between when you make a credit sale and help thesis statement compare, when the payment arrives.

Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand. The more months of inventory you hold on hand, the more cash is tied up in theory working inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and business to business. A good place to ph d sample thesis find more information is trade associations for your industry. In order to theory paper working outline improve your company’s inventory management, you will need to best to use start by collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand.

A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. Personal! 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 writing thesis explain any assumptions about cash flow, including details on the time period in which you will make and personal theory outline, receive payments. How did you come to these assumptions and how will it affect your business? When taking out dissertation a loan, you borrow an amount of theory paper outline money (principal) from sample 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 paper working outline forecast the thesis essay, financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out theory paper outline a personal loan to finance growth is dj commonplace. These might include credit cards, home equity line of credit (HELOC), and installment loans. If you have an existing small business, commercial loans can be obtained, which are based on a variety of factors.

Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of outline credit is ph d sample similar to a loan with the theory working outline, difference being that interest is ph d not charged on the part of the line of credit that is unused, and personal theory paper working outline, the borrower can draw on the line of credit at ph d any time that he or she needs to. Personal Theory Working Outline! If you are seeking a line of credit then enter the amount, as you want to forecast the financials assuming you have secured the line of credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to essayer faire dj be paid immediately at the financial institution’s request. Investments include injections of cash into the business from you, other shareholders or owners, or investors.

This typically refers to equity investments where investors contribute cash to theory working the business in best books exchange for theory paper working, equity (ownership). In this section, you can describe how your business will be funded. If you are a startup, it is likely that the money you make from faire dj sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of funding will you acquire? At what point in your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the balance sheet to take into account your company’s financial history. Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation.

Enter starting balances for liabilities: Enter starting balance for Capital and Earnings: Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an personal paper working, 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 thesis, business is healthy. For example, a restaurant might use the number of tables it can turn per theory paper, night and help writing thesis statement compare contrast essay, the average revenue per paper outline, dinner. Think about what levers make the most impact to your business. You will want to continuously track and in the pope, monitor these metrics to paper outline ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and essayer dj, 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 personal working outline, most common of the three reports as it provides a view into the company’s projected “bottom line”.

The statement here is a read-only display, calculated automatically from the information you entered in the Sales Forecast, Budget, and Personnel Plan sections. If you wish to on criticism alexander pope deals with edit or change any information, you may do so by theory outline, going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of essay alexander deals your company’s financial position at a given point in time, usually the last day of theory working a fiscal period. It is on educational 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 change the balance sheet, you can do so by going back to the builder in the Financial Plan section. Theory Outline! If you are an existing business, you have the option of essayer dj adding starting balances under the personal paper, Financial Plan section.

The cash flow statement displays the cash inflows and outflows from your operating, investing and financing activities. Rather than providing an overview like the faire dj, balance sheet, the cash flow statement will measure the theory paper outline, change in cash during a period. Dissertation Stanford University! In other words, how much money did you start and end up with? The statement here is a read-only display. You can go back to edit the sections in the Financial Plan section in order to change the accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the health of personal theory working your business.

The report here is a read-only display. If you wish to change any of the information, you may do so by help writing statement, editing the relevant financial information you’ve entered previously. Personal Working! 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 essay on criticism alexander pope deals with case. This is important in determining the ability of the business to meet its obligations, or paying off what it owes in debt.

The Profitability Analysis shows the overall performance of the paper outline, company in sample thesis its ability to make a profit. The ratios show how much of sales revenue is actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the paper working outline, business’s assets are financed by debt and how much of the business’s assets are financed by stockholders’ equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the return (net profit) of the business divided by the cost of the investment. The most common method of dissertation on educational leadership calculating ROI is to divide net profit by total assets. Finishing these chapters represents a massive achievement in completing your business plan. It is by far the paper outline, most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements.

In all likelihood, you will need to hire an best books sat essay, expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, you’ll need to personal working outline write an appendix and a glossary of compare essay 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 paper working 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 write a plan? We have a sample database of plans that you can look through to stanford university learn the different chapters and sections necessary to attract equity investments and loans. Although our examples are specific to each industry, keep in mind that every plan will be unique depending on your location, your customer base, and personal theory working, your own vision, so these will only serve as a starting point for you and your dream. Click the on educational, images to view our full business examples. 4. The Pros and Cons of Downloading a Business Plan Template. 1. Personal Theory Working Outline! Write with confidence — you won’t be forgetting any important information. Using this free template can help you write your own plan, without the hassle of figuring out thesis how to personal theory order your chapters, or the ph d, worry of feeling like you might be missing a section.

We provide the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. After you download it, it’s up to you to flesh out the details and ensure that each section is as well researched and intelligently conceived as possible. 2. Step-by-step writing guide and theory paper, writing samples included. Our plans come with a complete how-to guide with examples from university our professional business plan samples to help steer you through your writing. 3. Completely free – no hidden costs, just download and start writing. This plan is completely free.

You may encounter other people or websites on the Internet charging a price to download the guide. Working! Do not purchase them – there is essay on criticism no benefit at all to purchasing a pre-fabricated plan. None of the information will be relevant to your company, and you’ll be gaining nothing but the order and structure of the plan – something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of how a it should be structured, that represents only about 5% of the heavy lifting of paper writing an actual the complete document. Don’t forget that every plan needs well structured elevator pitch. 1. You’ll have to do complicated business planning math and calculations yourself — or pay an expensive rate for someone else to books to use sat essay do them.

You’re going to have to personal theory paper working do the stanford university, financial calculations, plans, and forecasts that a plan should offer to theory working attract investment — all by yourself. Creating these sections requires years of training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of ph d sample most peoples’ abilities, which is why entrepreneurs turn to professional writers and accountants to personal outline do the heavy lifting for essayer faire dj, them. Keep in mind: You may have a brilliant idea, but until you’ve subjected your product/service to meticulous research, and calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and personal theory working outline, blather to a seasoned investor. 2. Thesis! You’ll need to personal paper manually create visual graphs and alexander deals, charts to make the calculations easily understandable. You’ll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan.

Making your data attractive and easy to personal working comprehend is no easy task. Professional planning software can not only do the calculations for books to use for the sat essay, you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to theory paper working how equity investors and bank loan officers expect to see them. 3. A basic template won’t allow you to track your business’ progress. You won’t be able to keep your company’s information up to date easily. One of the major benefits of using software is that you can continually update your numbers based on your real expenses and earnings, allowing you to track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to ph d sample download this document and working, get started with writing out your product/service concepts and marketing plan. Alexander Deals! If or when you encounter the financial sections, we’ll be looking forward to helping your progress through the major obstacles of writing a successful strategy that will help you get funding for your ideas. Crafted by licensed attorneys Updated regularly Applicable to all 50 states. Create your free.

Business Plan Template document in only 5-10 minutes! Copyright 2017 Legal Templates LLC. Legal Templates LLC is not a lawyer, or a law firm and does not engage in theory paper the practice of law. Legal Templates cannot and does not provide legal advice or legal representation. All information, software and services provided on the site are for informational purposes and self-help only and dj, are not intended to be a substitute for a lawyer or professional legal advice. Use of this site is subject to our Terms of theory Use.

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