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Books Are Our Best Friends Speech,Essay,Note. Books Are Our Best Friends: In the world of the device .You want a device… Books! The best friend in observation research the world.The joy of reading books can’t be described in words. It’s something that you understand only by real experience. Books are our best friends, guiders and philosophers. Books uphold and encourage us when we feel sad and despondent. Essay Tips! They bring light into darkness and the sunshine into observation research shadow. Rujukan Dalam! Essay On Books Are Our Best Friends. When you read a book, its feels great to put yourself into a world the observation writer has created for you.The habit of phd thesis cover latex, reading good content daily will act as an exercise for your mind and keep you mentally fit and flexible. Reading a book is not like that you read a book in English,that is in any language which you feel comfortable.
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It will help us to increase our enthusiasm. Cover Page Latex! Keep Visiting and sharing among your class.You are also most welcome to share your essay on our website. If you want to join our team we will happy to spread our team. Very nice I like it. it help me little bit. Thanks Fatima For Your Precious Words. It will help us to increase our enthusiasm. Field! Keep Visiting and essay structure of dna sharing among your class.You are also most welcome to share your essay on our website. If you want to field observation paper join our team we will happy to spread our team. ????? ? ????? ??? ??. Thanks Navneetbhai For Your Precious Words. It will help us to resume increase our enthusiasm. Keep Visiting and sharing among your class.You are also most welcome to share your essay on field research, our website.
If you want to join our team we will happy to spread our team. For Students! You had increase our enthusiasm. Observation Paper! #128578; Thanks For your Valuable comment. We will try to boost it at a higher level. #128578; Please improve your grammar . #8220;Books are many type. Case! some books are inspire you, some books are given a moral of life ,some books are turning point of some person’s life and it will improve our language, vocabulary also. Some times books bring you tears also, and make you laughter also.#8221; #8220;Reading a books is not like that read a books which is inspire you,#8221; I MEAN SERIOUSLY GUYZZ !! THIS IS TERRIBLE ! #8220;reading a books. Paper! #8221; first you are using #8216;a#8217; then writing #8216;books#8217; ?? how a books?? We are thanking you again for for students drawing our attention on field research, our mistakes. We apologize for it. We had sent this article for proofreading to our writer. A Mockingbird! Co-Founder of My Study Corner. It should be corrected as soon as possible otherwise the learners will learn the wrong things . I liked the field quick response given by you, I hope the mistake gets corrected more quickly #128578; ! you#8217;re write, there are toooo many mistakes but at the same time i guess it was pretty useful#8230;.so thx. Please Provide Your Correct E-mail ID so we can contact you in for sat future for our special events . sorry but its right not write #128578; it is very bad anyone can write it yo have to write more valuable so i think you will improve.
I was thinking the same. And also there are silly vocabulary mistakes. Used bed instead of bad#8230;.m anyway u guys should edit it. Informative essay even though there are grammatical and observation research paper vocabulary errors. It#8217;s ok. Practice makes perfect #128521; I, too, have my own blog, and sometimes when I read my old posts, i see errors also.
Thanks dude ! This helped me tO prepare for my final Exams . Your essays are really great man you are doin#8217;well. If they do not fit for higher standards why are you reading them go fish. Rujukan! Really this essay would help me a lot#8230;.thanx#8230;. Very Nice #8230;. Keep Writing. It#8217;s very useful for us. keep it up. Students can now learn more about paper Articles through My Study Corner. Students are requested not to essay copy the observation paper Articles given on tips for sat, My Study Corner , instead, please try to read the Articles given here then try to re-write them in your own words. This blog is a collaborative blog written by a group of observation paper, individuals. This blog may accept forms of cash advertising, sponsorship, paid insertions or other forms of compensation. Tips For Sat! However, any compensation received will never influence the content, topics or posts made in this blog.
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The Little Known Secret to Building the Perfect Resume. The problem with this secret is that it is taboo in the job search / job finding world. Everybody knows it’s true…nobody likes to admit it. Field Paper. This little resume secret is complete blasphemy in “the industry.” I don’t like to to kill a mockingbird on courage, associate NavyNukeJobFinder.com with scandal, but I have to be real with my peeps (that’s you). So here’s the secret… Continue reading “How to Build a Job Winning Resume” I interviewed Dave Rakowski on January 25, 2014 as he was preparing to retire from the Navy and start a new life in the civilian world. Dave had some very interesting things to say, and observation research paper, I think the information in this interview is going to be valuable for current Navy Nukes, Former Navy Nukes, and anyone considering joining the program. Here are the stats… I like to start the interview off with a little personal information, just to get a feel for analytical essay, who I’m talking to.
Dave is 40 years old, and has been married for 13 years. Observation Paper. Dave has 3 kids (2 girls, 8 and essay global issues, 10 years old, and one 4 year old boy). Dave also has a 5 year old Walker Treeing Coon Hound. Dave is a Surface Warfare Qualified, Senior Chief (E-8) Electrician’s Mate (Nuclear). He entered this man’s Navy on 7 DEC 1994, and his EAOS is 31 DEC 2014.
As usual, my questions are in bold , Dave’s responses are in field observation paper, normal type, and essay tips, my commentary, if any, is in italics . Dave circa 1994. Long Story: Born in Louisiana, lived there until I was 6 months old, moved to Chicago for research, 3 months, moved to Java, Indonesia, lived there until I was about 2, then moved to La Paz, Bolivia until I was about 3, moved back to essay issues, Louisiana, lived there until 1979, then moved to Lakewood, Colorado (suburb of Denver), then in 1986, moved to Portland, Oregon, then in 1987, moved back to Lakewood, Colorado, where I lived until I enlisted. Short Story: Colorado. Where do you want to live after the Navy? Both the wife and I are from Colorado, and miss the field observation research paper snow, so we want to live in a place with SEASONS, and with good schools for the kids, with a semi-decent standard of living, so we are really looking closely at the Northwest or Northeast US. Why did you decide to join the case for students Navy and research paper, what made you decide to join the essay Nuclear program? I graduated High School in 1991, and then went to the University of field observation Colorado.
I studied there from for sat 1991 until 1994. Field Observation Research Paper. During that time, I changed my major 5 times. Started with Computer Science, then Chemical Engineering, then Chemistry, then Business Finance and finished up with Business Administration. Global. I ended up leaving after 3.5 years with no degree, and thanks to field observation paper, two incredibly supportive parents, no student loan debt either. I bounced around aimlessly from job to job for a few months before I found myself in a recruiters office. I had a vague idea of wanting to someday work for for sat, the NSA or CIA, and figured the best way to do that was through Air Force Intelligence, so I made an appointment with the observation research paper Air Force recruiter. Well, he blew me off, and phd thesis cover latex, the Navy Recruiter was there. After talking with him for a long time, I decided that the Cryptologic Technician rating was the one for observation research, me, and signed some paperwork.
The next week, I took the case for students ASVAB, I finished an hour and a half early, and my recruiter thought I bombed it. Once the observation research results came back as a 99, however, he told me he had another exam for me, called the of dna “NFQT” to field, qualify for the most “Advanced Rating in the Armed Forces”. I took it, and aced it, and next thing I knew, I was shipping off to to kill analytical, Boot Camp as a Proto-Nuke. Had no idea what it entailed, did some research and research, wanted to be an ELT, so I asked for MM first, ET second, and EM third. For Sat. I thank my lucky stars every day that I ended up as a Nuke EM, not as a CT, or MM or ET. I’m convinced that most people don’t know what they want to do with their life after graduating highschool. I’m a huge advocate of taking a little time off before heading to college. What’s wrong with taking a year to field observation paper, travel or do something awesome and spectacular with your life.
James Altucher writes about this in his book 40 Alternatives to College, which is a great read for essay structure, any parent or young student. Field Observation Research. I think that one of the greatest alternatives to college is a stint in the Military. Even if you spend 6 years in the Nuclear Program, you come out issues, with a ton of options, experience, education, and perspective that most of your peers, even 6 years later, will not have. You are about to retire after 20 years, and I hope the next phase of your career is extremely rewarding. How did you decide to make a career out of the Navy, and at what point in your career did you know that you were going to field paper, do 20 years? During my first 3 or so years, I wore a Paper Clip on my uniform ( P eople A gainst P eople E ver R e-enlisting; C ivilian L ife I s P referred).
Then, initial move-aboard happened on the Truman. To Kill Analytical. Living on board the paper ship was the worst 6 months I had in the Navy up to that point. I was a 3 rd Class [Petty Officer], and at essay tips for sat the time, they didn’t allow 3 rd Classes to field observation, have BAH [Basic Allowance for Housing]. So, I decided to respiratory case studies for students, bite the bullet, and did the observation STAR Re-Enlistment just so I could get BAH and move off the ship ( STAR Re-Enlistment allows E-4 Nukes to be advanced to essay structure, E-5 upon re-enlistment ). Fast-forward 3 years, and I’m getting married. 2 years later, some financial debt…Make the decision with the wife to wipe out debt and re-enlist.
That would take me out to my 10 year point. I was fully planning on getting out field observation research, then, after my tour at rujukan dalam Prototype ( The School where Nukes train on actual nuclear power plants ). Then, I made CPO [Chief Petty Officer, E-7]. When that happened, I finally decided on the full 20 year career. Now that I had my Khakis on, I wanted the rest of field research my career to be comprised of me trying to make the Navy just a slightly nicer place for junior guys so hopefully the attitude I had in my beginning years would no longer continue. I want to touch on 2 things here. First, as a single sailor, I never had to consider what a “Family” decision re-enlisting was. I think Dave does a great job of explaining how he had to involve his wife in the decision and all the factors (debt, marriage, quality of life vis a vis housing) that went into global issues the decision.
At some point Nukes have to consider whether this a 6 and out deal or am I making a longer career out of this. A lot of the NNJF message board posts are from field wives asking about the economy on the outside and is it a good idea to leave the safety and respiratory for students, comfort of field research paper a steady paycheck (and family health coverage) right now. Second, there is a dark side to the Nuclear program, and rujukan dalam resume, that is…a lot of Nukes really hate being Navy Nukes. I was one of them. I was a PAPERCLIP wearing, I hate the field observation Navy, 6 Out, 807, Nuke. At any given time I could tell you down to the minute, how much time I had left on essay for sat my 6 years, and observation research paper, I could adjust it for terminal leave upon essay request. Some people loved it, some people hated it, and some people like my good friend Iron Michael Nunez handled it like a true professional and made the field observation research absolute best of their time in the program. To Kill A Mockingbird Essay. I’m older now, and know that a lot of my hate and discontent was due to a lack of research maturity. To Kill A Mockingbird Analytical Essay On Courage. When Dave says that he, wanted to spend the field research rest of his career trying to make the Navy a better place, it really brings a smile to my face because while a lot of my hate and discontent was caused by my own immaturity, a lot of it was also caused by essay tips for sat, poor leadership in the enlisted ranks, particularly the First Classes and Chiefs that had a direct bearing on my day to day life. I’m glad that people like Dave, upon promotion to leadership, take a proactive hand in making things better.
In your 20 years, what was your favorite duty station and field research paper, why? What job did you do there and what did you like about essay, that job? Putting on the Anchor. Every duty station that I have had has been my favorite. I loved the USS Harry S. Truman, my first ship, I made some lifelong friends there, did the first deployment of my career, the Truman’s maiden deployment in 2000-2001. I made First Class [E-6] on that Cruise. I loved my staff tour at Prototype, I had never been that challenged in observation research paper, a position in my life, I loved the many complexities that arose from keeping a 50+ year old Reactor running while continually performing student training. I loved my tour on essay tips the USS Theodore Roosevelt, where I matured as a Chief Petty Officer, I learned more from my guys there than I have learned from paper any instructor in any class in my entire life. I have never worked with more intelligent or professional people, and issues, again, I made some life-long friends. I am also thoroughly enjoying my tour at Nuclear Power School, having the opportunity to influence the next generation of Nuclear Operators is something that I am incredibly honored to have the opportunity to do.
Not to mention the ability to train Officers for 2 full years, teaching 6 consecutive classes, nearly 200 Officer Students the observation principles of Electrical Engineering, and finally get the opportunity to stress to them the importance of Electrical Safety, and case, KNOWING the paper Electric Plant has been amazing. I know that you have done a lot of teaching at NPS Charleston, and to kill a mockingbird essay on courage, that you have taught both Enlisted and Officer Nukes. What are the differences and similarities teaching Officers vs. Enlisted? I was filled with a lot of research trepidation prior to essay tips, heading up to the “3 rd Deck” and observation research paper, teaching Officers.
I had heard that they were ‘unteachable’, and had huge chips on their shoulder. Nothing could be further from the truth. Officers are just like the Enlisted, the differences are much smaller than anyone could possibly imagine. I have met some Enlisted folks smarter than any Officer… I have met Officers who even as students could run a 90 man division flawlessly. I think overall, I enjoy teaching enlisted more, but that may be because I remember what it was like to be in their shoes. What did the Navy teach you about respiratory for students, being a leader? I left the Navy as an E5, and observation research paper, I feel like I missed a lot of valuable leadership experience that I might have gained as an essay questions E6 or E7. What have you learned about leading people since making Chief and later Senior Chief? When I was an research E-6, I think I had a tremendous chip on my shoulder. I felt like I had something to to kill a mockingbird, prove.
As a Staff Instructor at Prototype, I felt like I had to be mean in order to field paper, be heard. I made Chief Petty Officer toward the end of my tour at Prototype, and to kill a mockingbird on courage, I ended up as a JUNIOR CPO on the Roosevelt. While I was there, I relied heavily on field research my Work Center Supervisors, Maintenance Group Supervisors and LPO’s, to tips for sat, assist me, since the last time I was on observation research paper a Carrier, I was a junior First Class. Page Latex. I learned so much from the folks who worked with me, and it truly humbled me. I made some mistakes while I was there, and field observation research, you better believe they’ll NEVER let me forget, but for that, I appreciate them. I never would be where I am now if it wasn’t for them. A Mockingbird Analytical. I will never forget that. And that, I suppose is what I am taking away from the Navy as a leader. You treat your people with respect, treat your people like YOU would want to be treated.
It sounds trite, but it is shockingly effective. And the field observation research paper hardest lesson to learn of all: Never be afraid to say, “I don’t know, but I’ll find out for you”. Pride has gotten more people into more trouble than any other trait. There are a lot of Nukes out page, there like myself, who leave the research Navy at E5 and in civilian life are suddenly thrust into leadership roles as Engineers or Lead Technicians. My first Engineer job after the Navy I was supervising 6 unruly Mechanical Technicians at to kill essay on courage NASA. What advice would you give me to improve my leadership skills?
Try to put yourself into their shoes. Why were they unruly? Did they have issues at home? Are they unsatisfied with their work? Are they working too many hours? Too few? Are they actually engaged in field observation research paper, working while they are at work? Remember all the stories about bored Nukes. If someone is essay structure working at NASA, chances are they’re smarter than the average bear. People like that NEED to observation paper, be challenged. If they are not, they get bored, and hijinks will be sure to follow.
Let’s switch gears a bit and talk about your job finding process. To Kill A Mockingbird Analytical. You are leaving the Navy in October 2014, what actions have you taken at this point to start finding a job, what do you wish you were doing better, and what do you feel you are doing right? Right off, I’ll say that the concept of observation paper switching gears completely and essay for sat, starting over at the bottom of the field observation totem pole frightens me to no end. I am quite confident I will have no problem taking orders from someone 10 or 15 years younger than me, who got out of the Navy 3 years ago as a 6-and-out 3 rd Class. That doesn’t bother me. Just the true uncertainty that exists in the civilian job market, it is quite intimidating, and the thought that my family depends upon me finding a job. This has led to me researching as much as possible different job opportunities that exist in the civilian world for someone with my specific skill set and experience. I have done hours and of dna, hours of research into the Nuclear Generation Field, both NLO and observation research, RO/SRO jobs, also looked at Coal/LNG/NG, Hydro, Wind Farms, Solar, etc, etc.
Looked at studies for students Data Centers, Manufacturing Facilities, I have taken a college course in Programmable Logic Controllers, I finished a degree in Nuclear Engineering Technology. I am finishing up my NERC Reliability Coordinator Certification. I wrote a few resumes, I have a profile on monster.com, I have a LinkedIn profile. I have joined a few different groups on Facebook, and I have been talking to numerous friends out there in the real world, in field research, attempts to get a good handle on what industry I would be most happy in, and the best way to go about getting a position in that field. However, even with all this preparation, 9 months away from terminal leave, somehow I feel that it isn’t enough. I need to really start getting out there and case, start getting ‘practice’ interviews, so I can be familiar with the interview process. The last time I interviewed for a job, it was for field observation paper, Wal-Mart in 1994. I think he’s doing all the right things. If I could give anyone job hunting advice it would be to focus on resume talking to actual people. In any economy, it is important to know how to Crack the Hidden Job Market.
In my field at least, you get the best jobs by talking to actual people, as opposed to focusing your job search to online tools. Use LinkedIn, Navy Nuke Job Finder Facebook Group, and paper, other online tools to get acquainted with actual people and to analytical essay, call, visit, have lunch with those actual people (people who are working where, or in the industry where, you want to research paper, work). Get in touch with your friends who left the Navy, or are leaving soon, ask where they are working, who they know, tell people what you are looking for. Before the interview you sent me a short bio, and looking over your career in the Navy is quite amazing: Pre-Commissioned the tips Truman, Taught at Prototype, Lead Petty Officer at Prototype, Training Coordinator at Prototype, Lead Chief Petty Officer on the Roosevelt, made Senior Chief at Nuclear Power School, where you taught Electrical Engineering to Officers and Math to Enlisted students. I don’t know how to convey the magnitude of observation paper all that to somebody in the civilian world. Cover Page. You’re basically a superhero. Field Observation. I can’t imagine sitting across from a hiring manager with all that experience under my belt. What kind of career do you want after the Navy, and why? Superhero?
No. I would most certainly just characterize myself as someone who has been lucky enough to have some AMAZING people working for him. The career that I really and truly think I would enjoy the analytical essay most would be a System Dispatcher, or some other NERC Certified position. Ever since my first Electrical Operator watch on field research paper the Truman, I’ve enjoyed operating the a mockingbird analytical on courage electric plant, and since I’ve been studying the civilian electrical distribution system, the more I learn, the field observation research paper more I want to learn. Questions Global. It is an amazing system, and one that I think I would enjoy operating. The sheer amount of information that is required for its operation though is intimidating to field research paper, say the rujukan dalam least. I’ve been studying for paper, the last 2 months, and I only feel like I’m barely scratching the surface, and I have nearly 20 years of Electrical Operator experience behind me. Take a look at this post from the page latex Navy Nuke Job Finder Facebook Group: With all of your instructor experience, I imagine that this would be the field research paper perfect job for you, but my question is, do you have any entrepreneurial desires?
I’m looking at questions global issues your career, and I can’t imagine you working for someone else. If you could start your own company, what would that company be, what problems would you solve, how would you go about getting it off the ground, and would you hire Nukes? That job actually looks incredibly similar to what I’ve been doing for the last 3 years at Power School, and one of the things that I really enjoyed doing on the Roosevelt, writing and observation paper, giving training. As far as the entrepreneurial spirit…I think that is of dna better left for younger folk. I have missed both my daughters first words, their first steps, I have missed so many important events in my wife and children’s lives that I don’t think that I would be willing to observation, dedicate the 90-120 hours a week that starting a new business would entail. That being said, the career transition from Military to Civilian is going to questions, be a huge culture shock for both me and my family, and I am fully expecting 60-80 hour work weeks. But I think I’m about 15 years too late for field observation paper, anything involving starting a company. Essay. Would I hire Nukes? Hell yeah. Without a doubt. People talk all the time about how the pipeline is field research now a pump instead of a filter, and that the students we’re putting out in the fleet are so much worse than students years ago…I strongly disagree.
They are not the same student, but they are no worse than any in the past at least 20 years. On Courage. Maybe even smarter. Granted, there will always be those bad seeds, those sailors who just can’t cut it in ANY job, but the interview process is research designed to weed people like that out. Thanks for your service Senior Chief, fair winds and smooth sailing. Two more things I want to discuss with you Dave, and this really just comes from the heart because I don’t often get a chance to say stuff like this to the Nuclear Community. To Kill A Mockingbird On Courage. But, I did six years in the Program and I know EVERYTHING that being a Nuke entails. I want to tell you from the bottom of my heart that I sincerely appreciate the sacrifices you made. The best Nukes make a 20 year career look easy, but those of field observation research paper us who have served know that there are sacrifices made every day. You served from essay tips 1994 to 2014, which means you probably enforced the No Fly Zone before Gulf War II, you were on duty when the USS Cole got bombed, you were standing watch when Al-Qaeda attacked on September 11, 2001, Afghanistan, Iraq, the Global War on Terror, you answered the call when this country needed you and you trained a generation of Nukes, Officer and Enlisted, to keep this country safe.
And I want to say thank you for field observation research, your service, my family and I appreciate it. Second, if there is respiratory case for students anything Navy Navy Nuke Job Finder can do for field observation research paper, you, and I mean anything , do not be afraid to ask. Is there anything else you would like to share? Absolutely. If you are still in the Navy, take advantage of the Government. The Government is cover page latex taking advantage of you, so why not return the field paper favor?
Get your degree before you get out. Latex. Get a certification. That is all FREE. Then when you get out, you will have the entire GI Bill to get a Masters Degree. And the most important piece of advice: As you move up through the ranks, NEVER forget where you came from . A special thanks to Dave Rakowski for volunteering his time to NavyNukeJobFinder.com. You can contact Dave via his Linked Profile by clicking here. If you found value in this article, it would mean a lot to me if you scroll down and hit one of the share buttons. So this might sound like a dumb question, but I'm in talks with a recruiter for a stationary engineer position. She's asking for credentials from my time in field research paper, the navy. I listed my experience from the navy including the pipeline, but it sounds like she's looking for certifications or a curriculum.
Anyone know if there's a navy site documenting what the program entails, or another reputable site you've referenced for a question like this? I found my evals from school with my GPA and class standing but it doesn't go into much detail. . Out of curiosity what are some of the job offers or listings that are from random career fields you all have seen after getting out? (Things not related to the normal post nuke jobs) . Hey guys, its been a few years since I was in questions, so figured I would post this here and see what your thoughts are. I have a candidate that is getting out that has been presented to me (hiring manager). He is an field research paper E4 with 5 years (nuke EM). Essay Tips For Sat. Seems to me like there was a masting or something strange since I am generally used to seeing 6 year terms at a minimum and research, usually E5 or higher. Has anything changed in the last few years for studies for students, Nukes and field research, advancement / initial contract times or do I need to rujukan dalam resume, do more digging on field paper this candidate. To Kill A Mockingbird Essay. I am not against hiring someone who went to Captains Mast especially given how many I saw that were a little harsh but I would want to at least know that this occurred and why. Field Research Paper. . Looking to get into mechanical engineering and design? Looking for a job with no degree requirement?
Getting out and of dna, staying in the south Hampton Roads area? Been out for a while and looking for something new?
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The Battered Woman's Defense Its History and Future. Twenty years ago I was forced to learn something about battered women in the course of representing a woman who had killed her abusive husband. Prior to field observation research paper that time I had known women were abused but viewed it as a private or personal injustice. I began to learn during the case that the injustice of abuse by an individual man was a symptom of a pervasive denial of human rights on a broad scale that made society itself the accomplice of the man who had beaten my client. Since then I have represented a dozen other women who fought back against their abusers and consulted in fifty to a hundred similar cases across the issues, country. Those twelve years have affirmed and sharpened, but not altered, my initial discovery about the root cause of domestic violence. Essential to the existence of domestic violence is the denial of the equality of women in cultures that perceived this denial as both acceptable and field observation research lawful. This denial of equality was the essential cornerstone of men's violence against women and ultimately operated to deny women a fair trial when they were successful in rujukan resume, fighting back against the violence. From the beginning of time women were seen as inferior to men. Examination of the history of western civilization reveals laws authorizing men's use of field research paper violence against dalam, women to chastise and control them. In Roman times a husband was permitted to use reasonable physical force, including blackening her eyes or breaking her nose, in disciplining his wife.
The English principle of coverture established that a married woman could not own property free from her husband's claim or control. In fact, women themselves were seen as property. English rape laws considered rape a crime against the husband, father or fianci of the victim. Rape cases were considered properly disposed of if the male owner of the victim was compensated for the damage to his property. Marital rape was inconceivable, as wives could not legally refuse their husbands' conjugal rights. Field Observation Research. A sixteenth century Russian code wisely cautioned husbands not to strike their wives on the face or ear since they would be sorely disadvantaged should the wife become blind, deaf, or otherwise incapacitated. In many parts of Europe a man could kill his wife without penalty well into the 1600's. By contrast, a wife who killed her husband was penalized as if she had committed treason, because her act of homicide was considered analogous to murdering the king. English common law sanctioned wife beating under the infamous rule of thumb, which decreed that a man might use a rod not thicker than his thumb with which to chastise his wife. Oddly enough, this restriction was meant to be a means of protecting wives from over zealous husbands. American states adopted this rule in studies for students, the early nineteenth century in formal recognition of observation a husband's right to beat his wife.
By 1910, only 35 out of 46 states had passed reform legislation classifying wife-beating as assault. These legalized injustices documented a societal state of mind not easily erased after being in place for centuries. A Mockingbird. It is only in the last fifteen years that most states have made it a crime for a man to paper rape his wife. Some states require physical injury to accompany the rape. The real legacy of these laws and practices remains in our perceptions of tips women and their position in respect to men.
In many parts of our society a woman's wifely duties include sexual submissiveness. It is no surprise that a man authorized to abuse his wife would be the king of the castle and the breadwinner. Women were relegated to traditional supporting roles of housewife and mother. A generation ago, national magazines featured stories on the corporate wife and her importance in supporting her husband's career. Field Research. Careers for women were expected to be in essay tips, teaching and nursing. It was not long ago that a woman could not be found in the boardroom, a police department or construction site. Observation. Few women could aspire to be doctors or lawyers or any occupation that might be overly time consuming and interfere with the duties of being mothers and wives. Also, These professions did not fit the image of a good woman who was passive and submissive. Bound up in these beliefs was the understanding that what happened between a man and a woman behind closed doors was a private family matter. It was behind closed doors that women were regularly abused.
Even though government's fundamental obligation to its citizens is its duty to protect them from harm, an essay exception existed for the husband who would beat his wife. Only recently have police departments begun to vigorously arrest wife beaters, less out of concern for the women than as a result of lawsuits based on an equal protection claim for a failure to protect. In this reality, battered women knew that they could expect little protection from the men who beat them. Many of them died as a result but some in the face of impending death fought back and killed their abusers. Then they found a system of justice that prosecuted them with a lightening quickness and observation research efficiency never provided to protect them. Case For Students. Not surprisingly the attitudes that permeated a world in which wife beating was accepted had little tolerance for the woman who fought back. On the observation, rare occasions that women were successful in court their defense was premised on the concept of essay structure insanity. Perhaps the best known case was that of Francine Hughes whose story was dramatically portrayed in the television movie The Burning Bed televised in 1984. Although seen as a landmark in recognition of the plight of battered women, Ms. Hughes premised her defense on the ground of temporary insanity. Field Observation Paper. That case which was tried in 1977 marked the end of one era and the beginning of another.
Dr. Julie Blackman discussed this transition in her book Intimate Violence. At the for sat, time we were in observation research, the midst of a feminist movement aimed at equality for women in all aspects of society. To Kill. A part of this movement focused on an awareness of the plight of field battered women and the basic injustice of essay for sat their situation. In the mid 1970's the first battered women's shelters were opened in the United States and old ideas about women in the criminal justice system were challenged. The case of Yvonne Wanrow, decided by the Supreme Court of the field observation research paper, State of Washington in 1977, was a pivotal advance for to kill a mockingbird essay on courage, women in self defense cases. Ms.
Wanrow had appealed a murder conviction complaining that the paper, trial Court had instructed the jury on the issue of self defense using only the masculine gender to explain the circumstances justifying the use of force in cover page, self defense. She and her lawyers believed that using the masculine gender implicitly advised the jury to paper use a male standard in assessing the propriety of a woman's conduct. It seems hard to believe that a major advance encompassed the right of a woman to have her and she substituted for he and him when a jury considered the circumstances in of dna, which she used force to defend herself. But, that is exactly what happened. Progressing beyond the reasonable male standard for self defense the debate continues today about what standard to observation paper apply. Some suggest a sex-neutral standard taking into account all of the circumstances surrounding the participants at the time of the issues, incident, including individual characteristics and histories of the parties. Both lay and expert testimony would be used to explain the individual's violence and to dispel misperceptions about intimate violence. Critics suggest this standard reinforces sexual stereotypes by focusing on the defendant as an individual woman but calling it sex-neutral. A second alternative advanced is the observation, reasonable woman standard.
Advocates argue a woman's perceptions of danger, harm and force are different from a man's and therefore her reactions when threatened by tips for sat, her husband are significantly different from those of a man in similar circumstances. Accordingly her actions should be judged by a different standard. Detractors of this standard see stereotypes emerging similar to those feared with the research, use of the essay tips for sat, sex-neutral standard, that is . A third approach is the field observation research, creation of entirely new concept of self defense based on a reasonable battered woman. A major problem with this position is global, that it may be unconstitutional under an research paper equal protection argument and again may substitute one stereotype for another. Cover Latex. My own experience suggests women have gotten the fairest trial in situations where the sex-neutral standard was used. Changing the beliefs of a society has been much harder than changing the gender of pronouns used to instruct a jury. A number of currents were flowing in this river of justice for women at about the same time. Field Observation. An important component of the struggle for equality involved the effort to have abused women who fought back against their abusers be seen as reasonable in their efforts to survive.
No longer would women go into court and questions defend themselves in clear cases of observation paper self defense by arguing that they were deranged at the time. This was not an easy task. Rujukan. The American vision of observation research paper self defense had always been cast in the picture of two gunfighters squaring off on a western street. In such a scenario a woman reasonable or not would always be dead. Violence and its use had always been seen as appropriate in essay questions global issues, male terms. A good man was ambitious, aggressive and in control. A good woman on the other hand was demure, passive and submissive running contrary to the vision of her in a situation where the use of force was ever a good thing. These perceptions of gender related qualities were a natural extension of stereotypical roles embedded in the psyche of a society resisting the pressure of a women's movement dedicated to the achievement of equality.
Lenore Walker, a psychologist, provided a vehicle to assist women in explaining their experiences in the context of a criminal trial where the woman's use of force in self defense was an issue. In her book, The Battered Woman, published in 1979, she outlined a theory based on research with battered women relating to the structure of a battering relationship from a prospective of understanding the woman's position. She offered the battered woman's syndrome to explain why a woman stayed. She described as well the characteristics of these relationships. She suggested that battering relationships had a cycle of violence consisting of three phases and that women in these relationships often suffered from learned helplessness. Dr. Walker's landmark work described a series of myths associated with battered women and the characteristics of the women themselves.
The myths included beliefs that battering was not widespread, it didn't happen to middle class white women, that the women were masochists, they could leave at any time and battered women deserved to get beaten. The women themselves were said to paper suffer from low self esteem, have traditional values about relationships, to accept responsibility for the abuse, and believe they were isolated, among other things. The three phases of the repeated cycle of to kill a mockingbird on courage violence consisted of the tension building phase, the field observation, acute battering incident and the contrition phase where the batterer showered affection on the women with promises never to repeat the conduct. Later anecdotal information suggests that the contrition phase may disappear over a long period of time replaced by a periods better described as a lull in hostilities. At this time the apologies and analytical essay remorse that helped keep the woman in the relationship are replaced by field observation, fear of studies for students leaving. The last piece of the battered woman's syndrome was a description of learned helplessness premised on the research of Martin Seligman done during the sixties. Seligman had reported that dogs placed in cages with a divider would jump from one side to field paper the other when the side the dog was on was charged with electricity. Then, the essay for sat, side the dog jumped to was also charged and a shock was administered causing the field research, dog to jump back to the side of the cage he had come from. Thus, both sides of the cage would administer a shock no matter where the dog jumped. Essay. There was nowhere the field observation paper, dog could go without receiving a shock. In a short while the dog would no longer attempt to jump because it had learned there was nothing it could do to avoid the pain.
The dog would simply lie there. The animal had learned that it was helpless and issues refused to try to avoid the shock. Research Paper. This principle was applied to battered women in a mockingbird analytical essay on courage, abusive relationships. Repeated beatings like electric shocks seem inescapable. Field Observation Paper. Women, at first, believe they can control the violence by their behavior. Doing what the abuser wants or refraining from rujukan conduct that precipitates the violence over time doesn't work. These women come to believe that nothing they do can alter the violence. They become passive and the ability to perceive alternatives disappears. Battered Woman's Syndrome became a way to explain the field research paper, conduct of a woman in a battering relationship who had fought back and killed her abuser. It argued that a battered woman was a normal reasonable person caught in irrational circumstances responding as any reasonable person would.
For a lawyer handling a woman's self defense case it provided the tools to respiratory for students argue what happened to this woman would happen to anybody under similar circumstances. Battered Woman's Syndrome made the battered woman every woman and therefore a reasonable person who used force in self defense. An apparent contradiction lay in the use of force by someone who suffered from learned helplessness. This was explained as a instinctual response to a survival situation where the field research, threatened violence by questions global issues, the abuser exceeded prior violence levels and research was observed by a person acutely aware of changes in the level of violence. This evidence was predicated on scientific theory and could be offered to the jury or judge through the testimony of an expert in the area of phd thesis cover page Battered Woman's Syndrome. Battered Woman's Defense. The confluence of currents in research paper, the social stream of the 70's provided a movement dedicated to equality for women and a body of research that could explain the experiences of rujukan resume battered women within the concept of reasonableness. Such was the birth of what has become known as the research paper, Battered Woman's Defense. This defense is really nothing more than a woman's use of on courage self defense in the context of her experience as a battered woman.
Its advent on the legal scene came at a time when a generation of men were threatened with impotence at the thought of a woman having the field, right to choose a superior position during sexual intercourse. Dalam. Women were challenging their place in an existing societal order. No less traumatic was the field paper, understanding that a normal woman could be trapped in an abusive relationship that escalated to a point where the right thing to do was use violence in tips, aid of her survival. This concept presented images that collided like two speeding trains racing toward each other on the same track. Battered woman's self defense, seemed to research paper be a semantic nd social oxymoron. The same beliefs about sexual stereotypes and prejudices that justified the historical victimization of women denied them their right to defend themselves from it. It is the feminist's catch 22. The vision of a woman as a victim suggested passivity and helplessness devoid of rujukan dalam resume any power or blemish. Research. God help the woman using self defense who couldn't measure up to phd thesis cover page image of a helpless heroine with a spotless character. In a world that had been filled with Hollywood scenes of a woman capitulating to love in the overpowering embrace of the hero who knew better than the heroine what she wanted, the acceptance of woman's control of her destiny was frightening.
Men were born and grew up with the certain constant that they were superior to women. Women in society were the nurturer's, the care-givers not the movers or shakers. It was the way things were meant to be; it was right. Many women grew up being taught--and accepted-- the same beliefs. A woman's violence against a particular man in self defense was seen as a threat to field every man and a mockingbird essay on courage the existing social order. I remember growing up going to Catholic school and hearing the saying that if the nuns had you until you were ten they had their hand on your shoulder the rest of your life.
It was a way of explaining the power of beliefs drilled into you as a child. No less powerful were the repeated messages about the status of observation men and women. The roles of women and men and the inherent superiority of men permeated every facet of our being from religion to the media to observations of everyday life, not as something bad but as a statement of the natural order which was both right and wholesome. The mountain of prejudice we now call sexism built over tips for sat, all of history would not be eroded in a short time. Before a battered woman could fight the battle for the hearts and minds of a jury she needed an advocate to present her story. Like a screenplay that needs a good director and the backing of a producer, a battered woman's self defense case needed the vision of a lawyer to structure the case and a judge willing to let it be presented to the jury. An attorney or judge encumbered by observation, prejudices about battered women would be an unlikely candidate to advance a defense that contradicted fundamental opinions about the existing social order. Even the cover page, unbiased might deny the reality of societal prejudice to observation paper absolve themselves of any responsibility for the violence these beliefs tolerated.
Obviously the denial of such prejudice renders us powerless to correct an injustice that we cannot admit exists. Dalam Resume. Too little attention has been paid to the cases of women that were never presented in court, not because of a biased or ignorant judge but as the product of inaction or ignorance of the attorney charged with her defense. These injustices surface, if at all, as the woman languishes in jail and becomes aware of what could have been done for her case. There has been considerable confusion by lawyers and judges who believed it was a special defense similar to self defense but not self defense. In many of my cases, prosecutors, defense lawyers and judges would ask me if I was going to observation use the Battered Woman's Defense. A prosecutor would inform the judge that Mr. Dowd is going to use the `Battered Woman's Defense'. The judge in the position of someone asked to gaze on the emperor's famous new suit of clothes would respond we will just have to see if he does convinced he was unaware of something he should have known. They talked like it were collateral estoppel or the statute of essay frauds. It was sometimes seen as a psychiatric defense somewhere between insanity and heat of observation research passion. Really, the respiratory, truth lies elsewhere.
Like the emperors' clothes, there is no Battered Woman's Defense. Still, good thinking people were misled. Field Observation Research. Part of the problem was the for students, use of the word syndrome to paper describe the abused woman reactions to a violent relationship. Syndrome is defined as a group of tips for sat symptoms that characterize a disease or disorder. I believe it is useful to observation describe Battered Woman's Syndrome as the responses and rujukan characteristics of a normal woman who finds herself in a defective or dysfunctional relationship surrounded by the societal realities of life confronting a woman today. The major defects are in the relationship, the batterer and the society. Without considerable knowledge of the subject it is easy to conclude that Battered Woman's Syndrome describes a disorder or disease of the woman resulting from abuse and observation causing her to remain in a battering relationship. In this construct the woman stays because the abuse impairs a rational decision to leave or she suffers some from pre existing defect. It is very hard to build a self-defense case grounded in reasonableness when the woman's prior decisions reflect an absence of quality. For people on all sides of the question, the descriptive word syndrome has provoked debate, concern and misunderstanding. Most would prefer it hadn't been used but the confusion resulting from to kill a mockingbird analytical essay a descriptive name change, at this time, would exacerbate the field, problem.
Feminist concerns focused on the fear that the tips for sat, apparent contradictions inherent in the word syndrome would label battered women as abnormal people. This perception necessarily absolved society of any responsibility and placed the blame on the victim. Judges have ordered psychiatric examinations of women claiming to use expert testimony on Battered Woman's Syndrome in the mistaken belief that a form of insanity defense was imminent. The essence of the error was the search for research paper, medical pathology in for sat, the disease of an intimate relationship better dealt with by the social sciences than medicine. This is not to say that battered women may not suffer from some form of mental disorder as a result of the paper, continual violence. A Mockingbird Essay On Courage. Maladies like post traumatic stress disorder may be present giving rise to an insanity defense or some form of mitigating psychiatric defense such as extreme emotional disturbance. Observation Research. One of the problems in interposing a form of insanity defense involves the potential of having the burden of proof on this issue. Another difficulty can be the prosecution's right to a psychiatric examination of the tips for sat, woman where there is a mitigating or exculpating psychiatric defense. Some of the responsibility for the confusion must be laid at the door of the defense lawyers in their inaccurate presentation of the expert testimony in aid of the defense of a battered woman. Defense lawyers found themselves with a source of expert testimony that their adversaries and field paper judges seldom understood. Too often they seized on this lack of knowledge as a means of extending the evidence beyond its potential.
This resulted in chaotic rulings by trial courts left to be sorted out by cover page, appellate courts. I believe the proper use of Battered Woman's Syndrome assists the fact finder to understand the state of mind of the battered woman at field research the time she fought back against her abuser. It does this by dispelling myths and misperceptions about battered women, explains the woman's inability to escape the battering relationship and provides an understanding of the circumstances creating a reality-based perception requiring the use of case studies for students reasonable and necessary deadly force in order to defend herself. Such evidence does this in the same way a history of prior violence and abuse bears on the state of mind. The expert explains to the jury the myths and field misconceptions about abused women and their batterers and then charts the characteristics of to kill a mockingbird analytical a battering relationship that identifies Battered Woman's Syndrome such as the research, cycle of violence and learned helplessness. These concepts have been previously discussed. The expert when discussing learned helplessness can start to explain the dalam resume, numerous real factors facing a battered woman who seeks a way out of the relationship. The real barriers facing a woman trying to escape a battering relationship contribute to a sense of observation paper helplessness and at the same time explain why she doesn't leave. Things like the poor performance of essay for sat police and research paper the courts in protecting women, the lack of space in battered women's shelters, the respiratory, likelihood of increased violence when a woman attempts to leave, the financial hardship a woman faces when leaving all make escape difficult and dangerous. These factors together with evidence of the prior violence of the field, abuser are part of a woman's state of mind whichis critical to her defense.
The facts contributing to essay questions issues a belief by field research paper, the woman that she is helpless to control the violence, stop it or successfully flee are not products of to kill a mockingbird on courage defective or delusional thinking. Crucial handicaps for women in self defense cases have been their apparent use of field research excessive force in response to a threat or assault and the timeliness of their response to a threat of harm or actual harm. In some cases it is the use of a knife or gun in response to an unarmed attack or the woman's use of force after a threat of death with no assault. A Mockingbird Analytical On Courage. Another criticism of the law of self defense is that it presumes a first-time meeting between the participants. In most jurisdictions, the force or threat by the abuser must be imminent.
The word imminent refers to a non specific period of time: it can be an immediate threat or something that could happen at any time. The case where the woman shoots a sleeping man or one with his back turned has not appeared to meet the criterion of observation research imminence. In an appropriate case, the testimony of the cover page latex, battered woman about the abuse over a period of time, her belief that she could not escape her abuser in any real way, together with the expert testimony about the reality of these beliefs provides a context that fits a test of imminence, grounded in her experience even if the man's back was turned or she was responding to an unarmed assault. If a hostage, like Terry Anderson, was told he would be killed the research, next day, we would applaud the strangling of cover page a sleeping guard in an effort to escape. Field Observation Paper. We would accept his perception gained over time that the threat was real. Those circumstances certainly meet any test of imminence and justify the essay, use of whatever force it took to field observation be free.
I have represented women whose lives in homes with abusive men were as dangerous and hopeless as living in a cell in case, Beirut being guarded by terrorists. These women's knowledge of their captors makes them the field observation paper, best able to assess the essay of dna, threat. Their perception of limited options is not delusional. They may indeed learn to be helpless but this helplessness is observation research, produced by the realities of their daily existence and not some distorted by product of violence. Why can't lawyers, judges and juries equate the experiences of the battered woman with those of the latex, hostage or prisoner?
Our daily news is spotted with reports of women murdered clutching orders of field observation research paper protection or fleeing like fugitives from men in relentless pursuit. I have remarked to many in tips for sat, recent years that a battered woman's self defense case is harder today to win than it was in field observation, the early nineteen eighties. The increase in media attention over the last few years generated an assumption that the problem was fast being solved. Again, the tips, reality is markedly different. The increased public awareness informs the bigot as well as the enlightened. Those in the past that responded to the case of a battered woman with crass prejudice now pretend to accept the premise of battered woman's self defense and the necessary expert testimony accompanying it, but structure their opposition to the issue in the assertion that the woman in question doesn't fit the mold. It has given rise to distinctions between good and bad battered women. The good battered woman conforms to age old stereotypes of research paper women as passive, loyal housewives living lives as loyal and of dna loving companions of their abuser. This woman must be without any flaw in her character and must continually appeal to the police and courts for help regardless of its futility. The bad battered woman is one who fails to possess any of the virtues of the research, good battered woman. She may have obtained an education and pursued a career.
Such a demonstration of control of her life will operate to disqualify her from the group. Infidelity or abuse of drugs is equally dangerous. I represented a woman in 1984, in dalam, Queens County, who had shot her abusive husband. Duringthe course of the trial the field research paper, prosecutor tried to introduce evidence that my client was a sloppy house keeper, didn't toilet-train her children and had an affair. The judge permitted the page, testimony and instructed the jury this was evidence demonstrating what she had done to provoke her husband to observation research beat her.
The prosecutor in that case was a woman. Both judge and prosecutor claimed to be sympathetic to page battered women, but my client didn't fit the mold. The frontal assault on the issue of battered women as victims of injustice has been replaced by an individual disqualification from the group. The new rallying cry of the bigot spawned in the darkness of ignorance is that we all know and research paper accept the injustices done to women and the need to recognize the right of to kill analytical on courage battered women to fight back against their abusers, but this particular woman was not in such a position. The wolves are indeed in sheeps clothing. It is not very different from the fourteen stalwarts of the United States Senate proclaiming their sensitivity to sexual harassment during the Clarence Thomas confirmation hearings. The sensitive Senators abhorred sexual harassment in general; they just couldn't find any when they looked for it. A Moving Target. The struggle today for acceptance of the field observation paper, right of a battered woman to defend herself against her abuser and then receive a fair hearing in the system that prosecutes her has shifted from a fight to get in tips for sat, the door to a battle over a particular woman's presence as an appropriate resident. The rationale for the exclusion has remained the same while the observation paper, arguments have changed. The perceived need to camouflage the phd thesis page latex, prejudice makes it all the more difficult to detect.
This semantic shift by the sexist also causes a misconception of progress. Field Paper. In its simplest form, the reduction of tips openly sexist positions and increased media attention obscure the continuing magnitude of the problem. These two factors are by no means operating in concert. The media's prolonged examination of domestic violence is either a reflection of heightened awareness or a precursor of public arousal depending on field observation paper, one's view of the press. Whatever the perspective, it does appear that this exposure and other hard-fought advances by women will begin to change the prospects for equality.
Here, once again, a fundamental premise of this essay resurfaces. Respiratory. The long held beliefs in the inequality of paper women remain strong and resistant to change. The ripple of progress made for battered women in the courtroom with a defense tailored to reflect the experiences of the women still has not eroded internal societal prejudices. In the late seventies and essay questions issues early eighties the prejudices would be expressed in observation research, a much more forthright manner making the arguments more direct. Now the job of ferreting out bias and prejudice is much more difficult. Beyond the pale of cover prejudice, in the community of field paper decent people, the case, awful truth of our indifference and inability to quell the tide of violence against women is often too horrific to accept. The reality of life for a battered women is indeed beyond the knowledge of the average person. Expert testimony is needed. The recognition of the truth entails an acceptance of research paper responsibility for the violence among us. Denying the truth of the woman's story can be easier than dealing with it. There does seem to be a backlash against the rights of women as described by dalam resume, Susan Faludi in her book by the same name.
It has been a reflected vision in the eyes of battered women who have been left unprotected by a society that refused to protect them. When these women chose life over observation research paper, death the organs of phd thesis cover latex government that had failed to protect them prosecuted them with a vigor and speed reserved for serial murderers. All too often those in the legal profession did not know enough or care enough to defend them. The heart and soul of the battered women's movement was and field paper is the people who established the shelters for case studies, women in abusive relationships. They remain undaunted in their pursuit of equality and field research paper an end to the violence. For all they have been able to do in rujukan, providing a safe haven, there remains a serious gap in the services battered women need when seeking to escape a battering relationship or having survived after fighting back against their abusers.
The lack of adequate representation of battered women in the courts is at crisis levels. Solving this problem is a fundamental goal of the newly established Pace University Woman's Justice Center. This institution, formed in field observation, October 1991, was a partnership between the State of New York and Pace University. Latex. In the last few years, the Center functions as a part of Pace University. This Center has trained lawyers to field paper represent battered women in criminal and civil cases. It will also offer training to prosecutors in the prosecution of abusers.
For the essay structure, battered women in jail, those the system has already failed, the Center is working to provide them assistance in the preparation of petitions for clemency. Paper. It was the first Center at a major university in collaboration with government dedicated to the eradication of a problem with us since the dawn of history. Already men and women are coming forward to essay take the training but also volunteering to work at the Center toward the goals of equality and an end to observation research paper the violence. All ages are represented but most of the volunteers are represented by the generation growing up in the wake of the decade of self gratification represented by the eighties. These young people have watched a generation beset by greed and rujukan dalam materiality flounder in the emptiness of the experience. They are dedicated to filling their lives with the field paper, richness of work that will benefit others.
For them it is enough to try. Perhaps, many years after Bob Dylan told us it would happen, the times they are a changing.
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Are you applying for a Chief Financial Officer position? Do you need to update or tailor your resume for a Chief Financial Officer job? Review our Chief Financial Officer sample resume below to see how to paper, make the most of your credentials. Chief Financial Officer Sample Resume. Essay Tips! A resourceful financial professional with 30 years experience in field research financial management, telecommunications, software/multimedia, real estate development and page, construction, health care and public accounting for a variety of public and closely held companies. Technically proficient: Finance (public and private sources of debt and equity); GAAP, S.E.C. and regulatory accounting; GAAP, S.E.C., regulatory, internal and board reporting; taxes; treasury management; cash management; mergers and acquisitions; asset/liability management; management information systems; human resources; investor relations; facilities; administration. Broad industry knowledge: financial services; commercial banking; internet; direct marketing; software/multimedia; telecommunications; health care; real estate and construction; distribution. Strategic perspective: business strategy development and implementation, tax and acquisition planning; company restructuring or reengineering; creating a new focus; business plans; identifying new businesses or product lines. Leadership: team building; vision; focus on bottom line and long term goals; motivation; PL responsibility.
Established the Financial Services Division to field observation, provide alternative financing vehicles for purchases by members. Founded and managed CUShopper Mortgage Services LLC in partnership with a nationwide mortgage banking company. Created an e-Wallet, an online revolving line of credit and latex, implement automated loan underwriting/ approval. Put together alliances with companies to provide alternative, sub-prime financing sources to fund sales. Responsible for finance, accounting, taxes, investor relations, human resources, strategic planning, administration for a start up eTailer specializing in financing consumer product purchases with low cost credit union financing. Acted as interim CEO/COO/CFO until CEO was hired.
Arranged for interim debt financing. Created a strategy to improve earnings by diversifying funding sources which resulted in creation of the Financial Services Division. Responsible for finance, accounting, reporting, lending, customer relations, direct marketing and compliance for a $34 billion financial services company owned by and lending to credit unions, banks, savings and loans and research paper, insurance companies to stimulate investment in residential real estate. Created new financial products and repriced exisiting products to essay tips for sat, increase online transaction volume from field paper several million dollars daily to several billion dollars daily. Created and implemented a new, aggressive marketing plan. Helped the bank grow profitably in assets by over $7 billion in one year. Responsible for overall operations, finance, marketing and coordinating services for a company providing interim and transitional senior corporate management services to a variety of business organizations, including start ups, turnarounds, acquiring companies, companies preparing to analytical essay, sell and companies preparing to go public. Acted as initial CFO/COO/VP of Business Development for research a start up with a virtual office technology delivered over the Internet; one of the business development efforts led to a business affiliation agreement that allowed the company to raise it first outside round of rujukan resume funding. Restructured and field observation, performed transitional management as interim CFO for a public $160 million mail order specialty pharmaceutical firm that lost $34 million in 9 months and whose founder and questions issues, his CFO committed fraud..
Resolved issues with the SEC, restructured operations, implemented new cash management systems, controls and processes, implemented new reimbursement systems, controls and processes and observation research paper, helped find a buyer. Successfully brought a construction materials and mining company out of Chapter 11 Bankruptcy while retaining $4 million in personal assets for the sole proprietor owner and studies for students, arranging for $15 million in debt. Helped restructure and turn around an HMO losing over $1.5 million per month and raise $18 million in field paper new capital by structuring a tri-party private placement. Created an entirely new plan focused on being an integrated health care delivery system. For Sat! Revitalized two commercial banks under memoranda of field research understanding with Federal regulators. Created and implemented new capital plans, asset/liability management policies and procedures and streamlined operations. Prepared a business/capitalization plan and obtained equity ($4 million), equipment ($2 million) financing and operating financing ($2 million) for an international telecommunications company with operations in essay of dna California, New York, the U.K., Germany, Finland and Sweden, negotiating with investors and banks Developed an entirely new focus for a software developer/consulting company, creating a new strategy and observation research, business plan and helping to of dna, raise capital. Observation Research Paper! Responsible for finance, accounting, investor relations, investments, asset/liability management, MIS, mergers and acquisitions, human resources, strategic planning and subsidiary finance and operations for a public multi-bank holding company. Designed and implemented new analytical and management reporting systems.
Restructured operations to improve earnings. Ran finance and operations in subsidiary banks through CEOs and CFOs of those banks. Tips For Sat! Provide those banks accounting, finance, MIS, HR, strategic planning and operations support. San on research paper, the loan committee and was involved in structure of dna Real Estate joint ventures. (Acquired by Citi National Bank) Responsible for finance, accounting, investor relations, investments, asset/liability management, MIS, mergers and acquisitions, human resources, strategic planning and subsidiary finance and operations for a commercial bank. Took the company public. Created and implemented an observation paper, investor relations program that helped increase the bank’s stock value. Designed and for sat, implemented new investment and asset/liability management systems, policies and procedures that helped improve earnings without incurring additional interest rate risk. Structured acquisitions.
Converted to new enterprise systems to field observation paper, improve operational efficiencies. Phd Thesis Cover Page Latex! (Acquired by Wells Fargo) Responsible for accounting, finance, treasury, management information systems, asset/liability management, operations, human resources, product development and marketing, investor relations, risk management, facilities, mergers and acquisitions, taxes and strategic planning for a public saving and loan. Helped create and implement a plan to observation research paper, grow the institution from respiratory case studies $600 million to $1 billion in assets. Created an investor relations program that increased the market to book value from 50% to 150%. Oversaw the transition when the company was purchased. As CFO and field research, member of the board of case studies directors of its builder/developer subsidiary, devised and implemented a plan to sell of development projects that sped up and improved earnings while reducing risk. Field Research! Managed mergers, acquisitions and divestitures. (Acquired by San Francisco Federal) Responsible for managing overall client relationships, including accounting, audit, consulting, tax, IPO’s and other offerings as well as billing and collections. Developed a practice providing interim CFO-type and case, other consulting services to companies in various industries. Specialized in financial services, business services, real estate, transportation, IT and distribution companies. Provided services to real estate developers, builders, owner/investors, helping to structure financing and investment syndications Helped start and take public three financial institutions. Master of Business Administration, 1974 Bachelor of Science, 1973. Taught courses in real estate, banking, savings and paper, loans, time management, statistical sampling and the CL audit approach.
Co-authored “The Uniform Audit Approach” and the “Internal Control Questionnaire for Commercial Banks”. Reviewed and helped edit courses on “Auditing of Commercial Banks” and “Auditing of Insurance Companies. Developed the reporting requirements for essay questions global issues banks in liquidation for the FDIC.
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Observation Essay Research Paper Field Experience …
Create your free Business Plan now. Make an investment-worthy business plan easily with our free template. Select a Industry Fill in field observation research paper, the Form. Complete your Business Plan. Print and Download For Free. Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Free Business Plan Template Download. Are you an entrepreneur looking to download a free business plan? If so, you have come to the right place. Legal Templates is happy to phd thesis cover latex, 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 field research, View. What’s included in the blank template: In the tips 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 observation research 8 chapters of dalam a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of field research paper your company. Essay? This chapter is essentially your hook to convince potential financiers that your model is worthy of their investment. Chapter 2: Company and Financing: In this chapter, the goal is to observation, outline the analytical on courage legal and operational structure of your company, financing requirements, the history behind the company, mission statement and the management team. If you are forming a corporation, be sure to include your Articles of Incorporation here.
Chapter 3: Products and Services: This section describes what products and/or services your business will sell (now and in the future), and how you will build, assemble and deliver them. It also offers a comparison of your company and your direct and indirect competitors. Chapter 4: Customers and Market Analysis: The customers and market analysis page indicates your target customer segments, what needs you are filling for them , and the latest trends among these consumers in terms of growth and behavior. Chapter 5: Marketing and Sales: The marketing and sales chapter allows you to field observation research paper, describe how you will sell your product/service. Particularly what are your company’s strategies for positioning, pricing, promotion and cover latex distribution. Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to set the research key milestones that help establish a timeline of progress towards your goals.
Additionally, it includes subsections like SWOT analysis, competitive edge, and strategic alliances. Tips For Sat? Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the observation final two chapters, entrepreneurs must define and calculate the financial variables that will go into the creation/expansion of case for students 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 paper 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. A Mockingbird Essay On Courage? Our guide also includes example graphs and field research charts, so that you are aware of the tips types of observation paper financial calculations, plans, and forecasts that a plan should offer to attract investment. For guidance on essay structure, what you should include in observation research, your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and get started.
However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to your company’s success. A solid plan is necessary to help found your company and case ensure that your goals remain on observation research, track over a mockingbird essay on courage time. Field Observation Paper? Your plan can and essay of dna 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 observation equally important if you’re hoping to attract investment and a mockingbird essay expand your company beyond the limits you’ve already reached. Your business strategy should account for the next 3-5 years in advance, and field observation research cover every aspect of resume your industry, including the observation research critical relation between marketing and cover page latex sales to your company’s finances. Your plan should include the following sections before you submit it to field observation research paper, investors. Click each accordion to read a how-to guide for each chapter: “How to Write a Business Plan” Table of Contents: How to questions, Write the Executive Summary.
The executive summary contains all of the essential information about what makes your business strong and worthy of investment . It covers the major highlights of the field paper rest of your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to take it, and why your business idea will be successful. If you are seeking financing, the structure 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 field observation paper, ensure that your plan is respiratory studies for students sound before you can write the executive summary. This section will be different depending on if you are an established business or a new startup.
A startup company’s executive summary will need to be interesting and convincing to capture the field research paper attention of essay structure investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to observation research, 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 demonstrate that you’ve done quality research that supports how you’ve conceptualized your business. Investors know that talk is cheap – do you have the data and analysis to latex, back up your claims? Even in a standard plan, the executive summary for an existing business has no set template, although there are several suggested guidelines that you can find around the web. We suggest the following basic template – feel free to add or subtract sections according to your own needs: Summary Management Team Products and Services Customers Marketing and Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the plan (e.g.; to raise a specific amount of debt financing to expand a store location) as well an overview of the company (name, location, company type, products sold, founder(s) and founding date).
Describe the key milestones or objectives that you want to achieve with this business (these are the research 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 tips for sat, the success of the organization. Keep this section brief, as you will go into more detail in the Products and field paper Services section. Products and Services. Describe the products and services you are providing and who the competitors are within the industry . Keep this section brief, as you will go into more detail in the Products and Services section.
Describe whom your customer groups are and whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into more detail in the Market section. Describe briefly how you will market your product or service. Summarize the major points in the Marketing and Sales chapter, which may include market positioning, pricing, promotion, and distribution. Summarize the dalam most important points from the Financial Plan section here. Field Observation Paper? This should include your sales forecasts and projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to turn a profit . If you are an existing company, highlight past financial performance. 7. Phd Thesis Page? Financing Requirements (Optional) Summarize the amount of equity and/or debt financing that you are seeking, when you need it, the use of the funds, and when you expect to reach your next milestone event and/or start paying back the loan.
Keep this at an overview level , as you will go into more detail later on in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the field paper amount of money you will need to raise. With these sections fleshed out, you’ve finished your executive summary. How to Write the Company and essay global issues Financing Chapter. The company and finance section of your plan is paper important, because introducing the management team is phd thesis cover page critical for both start-ups and established companies alike. Investors will use this information to gauge the future likelihood of success. Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and approaches on how to lay out the various components of a business plan. Field Research? 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 for sat company’s history.
Since there are follow up sections in this chapter that over go the company’s location and history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by field observation, a credible Attorney. The primer below is meant only to explain the broad differences between the most common company types. A sole proprietorship, according to the IRS: “A sole proprietor is someone who owns an unincorporated business by him or herself.” While the most simple to set up and rujukan the most common, there is a significant drawback: you will be personally liable for any obligations. So for example, if you sell someone a cupcake and they sue you because they found a hair in it, and you lose in court, the creditors can legally go after your personal possessions – such as the roof over your head. A partnership, according to the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and field observation research expects to share in the profits and losses of the company.” A partnership has certain advantages compared to a LLC, such as not needing to file formation documents when setting up a partnership, and not needing to file dissolution documents if dissolving the analytical essay partnership.
However, similar to sole proprietorships, partners in a partnership have unlimited liability for field research paper the company’s debts and essay questions liabilities. Limited Liability Partnerships (LLPs) LLPs are different from paper, 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. Tips For Sat? Limited partners are often times “silent partners” that wish to field paper, invest in the venture but limit their exposure to liability. A corporation is phd thesis cover a separate legal entity owned by shareholders. A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to a corporation is the problem of field paper “double taxation” since the corporation’s profits is to kill analytical taxed at the corporate level, and then any dividends distributed to observation, shareholders are then taxed again at the personal level.
You can elect a special tax status with the IRS to have your corporation not be taxed at the corporate level (instead, it would be taxed as a pass-through entity). Some of the drawbacks include not being able to have more than 100 shareholders , and not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the member’s personal liability and page only taxes profits at the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the registered name you plan to use. Explain your rationale – for example, if you are starting a company where you plan on field observation paper, seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on this legal structure.
If you have a home office/no dedicated business address. Include your current office setup and your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the Management Team section is especially critical. With the lack of history, there is little investors can go by to gauge the future success of a venture. The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your team’s ability to essay global issues, execute on the stated goals. Field Observation Research? To accomplish this, you should highlight: Background of case studies each member of the research paper management team (education, relevant work experience, etc.) Roles and responsibilities within the company.
Tip: Don’t include details about members of the Management Team that are not relevant to the reader. Essay Structure Of Dna? Everything presented should reinforce why your team is the right team to execute on the company’s vision. If you have an established business the information you want to present is the same. Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company. As a company grows from start-up to established business, the management team must also change. Observation Research? They must be able to manage employees, institute standardized systems, and a mockingbird essay ensure the field observation research paper 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 essay tips for sat a brief description. In a publically trading company the Board of Directors is field observation paper elected by the shareholders and is the highest authority in questions global, the management of the research company. Phd Thesis Page Latex? For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of research Director’s typical responsibility is to set broad policies for essay tips the company, determine compensation for observation research paper company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and provides it with assistance when needed.
Choose individuals with knowledge in tips for sat, your industry and are willing to play a role in observation, your company . While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the analytical on courage member is research paper committed to your company. Tips on building your Advisory Board: Choose a well-respected and well-known individual as the first member of essay questions global your Advisory Board. This will help you to field observation, 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 dalam resume reader how much money you need to raise, what you are going to use it for, and paper how you got to to kill a mockingbird analytical, the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. Field? Only then will you be able to rujukan dalam resume, identify the amount of money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is that debt financing is essentially a loan that is backed by field paper, your assets or via a personal guarantee. Essay Structure Of Dna? If your company is already in existence and has trading history, then you may also secure a loan off of your receivables. In contrast, equity financing is essentially you exchanging a stake in your company for a specific sum of money from an investor . Therefore, the amount you are able to field observation, 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 why and when?
What do you think your company is worth? If you are seeking financing (regardless of its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by break-even and subsequent profitability. The money you are seeking to raise will simply allow you to dalam, have enough cash to cover the initial period where you will be taking a loss so that you can eventually make a profit. This is a simplification; you may be raising money to field observation research, further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). But the general concept is the dalam same; the investment you are seeking bolsters your company’s cash position , allowing it to grow revenue and/or profitability.
Cool idea, how do you make money with it? / How much money do you need, and why and when? The financial statements provide the answer to the first two questions (which is why we recommend you complete your plan first). To answer how much money you need, analyze the cash flow statement to determine the cumulative cash flow. The lowest point on this curve will tell you what your maximum financing needs are , and at field observation paper 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 structure of dna end of the observation research day it really comes down to what an investor thinks your company is worth (which is more art than science). However, there are three popular methods of valuing a company that can help you come up with a valuation to facilitate the negotiation.
Cost approach (asset based approach) The cost approach seeks to determine a company’s value by analyzing the essay questions market value of its assets. In other words, in this approach the research 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 respiratory case studies asset value may actually be worth more than the going concern value (present value of observation research future cash flows generated by the asset). However, for many companies the essay questions global issues value of its branding and research reputation, along with its ability to generate profits, will exceed the studies for students 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 time and observation paper then placing a value on that future stream of income in today’s terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to account for risk.
Now you have all the pieces to complete the equation. You have the amount of money you need by looking at cumulative cash flow. You also have an idea of how much money your company will be worth. Equation to determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for resume cash. Instead, you should focus on the loan’s interest rate and payment schedule.
Make sure you will be turning a profit that is observation paper both large enough and soon enough to ensure there is questions no delinquency on field observation research, servicing the loan. For equity financing, answer the following: Investment amount needed When you need it How much time it will buy you / When you expect to turn a profit or get to the next milestone event % of equity offered and at what company valuation (you may wish to keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the respiratory case studies for students following: Loan amount needed When you need it When you will be able to pay back the loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the funds. The level of field observation research paper detail should be at a high level ; if the investor or lender wants to see expenses in more detail that will be available in the Appendix within the phd thesis latex Profit/Loss statement. Construction of field observation paper new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on resume, your financial model you anticipate relatively small yet variable expenses month to month, a line of field observation credit may be a good choice. With a line of essay questions global issues credit you draw upon observation paper it when you require the funds and pay interest immediately on tips, the money as it is field observation research 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 how thinking about your company’s eventual exit will help shape your business model. It’s recommended you review the Quick Start guide and practice that exercise. Depending on your company, there are various exit strategies available, including: Selling your business Passing it down through the essay structure family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section. Research? Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into global your company. Therefore, you need to include detailed information on how you intend to sell the company or take it public. Demonstrating a large market opportunity.
If investors are going to take a big risk, they demand a big return. Observation Paper? You need to demonstrate your business has the potential to either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in rujukan dalam resume, 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 field observation research paper, invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to respiratory studies for students, a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals. For example, Apple’s mapping software is playing catch-up to Google Maps.
If your company can help Apple improve its software, your company would become an observation paper, attractive acquisition target. The mission statement reflects the core purpose and rujukan dalam resume vision of the company. It’s a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short. 1-2 sentences max. Don’t use “fluff” words. Make the statement mean something. A mission statement, if done well, should encapsulate both what the company does (what it sells) as well as the culture/vision/purpose.
Examples of observation Fortune 500 firms that really get it right: A. BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: “To discover, develop and deliver innovative medicines that help patients prevail over analytical on courage serious diseases.” Why it’s great: The keywords “discover, develop and field observation research deliver” demonstrate the company’s capability to essay tips for sat, in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is (1) cutting edge and observation research (2) has a higher purpose then themselves. Mission statement: “ We will be the phd thesis easiest pharmacy retailer for field observation paper 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 to kill essay a pharmacy retailer and it will solely focus on making itself easier for the customer to observation research paper, use (that could mean so many things, such as innovating online to resume, fulfill prescriptions to improved customer service within their stores). Example of poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to the laws of the jurisdictions in which it operates and at all times observing the highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners. Its objectives are obvious (what company does not want to maximize value) and borderline absurd (are there companies that do not want to adhere to local and federal laws)? Lastly, it does not mention what the observation research paper company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER.
Mission Statement: “ We are committed to attracting, developing, and keeping a diverse work force that reflects the nature of our global business.” Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the company’s mission statement is ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on phd thesis, how the company came to existence, work completed to field observation paper, date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the level of detail you want to include. This is dictated by the relevancy of the essay information to the reader and how this information helps strengthen your plan’s ability to build credibility for your company. Every company is made of field milestones.
Milestones for essay tips for sat a business are achievements that demonstrate the business is on field, the right track. Essay Structure? They are best when quantifiable and measureable. For example, achieving a working prototype of your product, or getting to break-even, are both huge milestones that showcase your ability to paper, execute and essay of dna reduces subsequent risk of field observation research paper your company. Key concept: The more uncertainty that you can take off from the table, the essay better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to include: Size (e.g.; in sq. Observation? ft.) Location/Address Other notable facts, such as equipment at the facility.
Location is important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose. Describe the lease terms you are able to secure, and if there are any laws that protect the lessee from unreasonable price increases. You can read a detailed article about what to look for essay tips in a lease agreement here. Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of observation electricity and water.
Describe how the facility provides the business with these resources. Of Dna? If the facility is field observation research paper 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 for students, open your software company in Silicon Valley as that provides a competitive advantage from an employee recruitment and fundraising perspective. If you operate out of a home office. Describe your future expansion plans, including expected date of expansion.
Upon completing these sections, you will then be finished with the company and financing section of field 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 phd thesis page, help give investors a comprehensive understanding of the research 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 to kill a mockingbird analytical essay on courage Services (optional) Your products and services are the lifeblood of your business – it’s what your customers need, and if you get this right, everything else will follow . Research? Commonly referred to rujukan dalam, as “product lift”, which essentially means getting the observation paper secret sauce working. It means that customers want to buy your product/service, and you are filling a need that was previously not satisfied. Thinking in terms of benefits vs. features. What is the consumer really buying? For example, a person buying a Rolex watch is not only respiratory case studies for students buying a device to tell time, but the field research prestige and studies for students status that comes with a luxury product. Observation Research Paper? Think about essay structure of dna, 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 observation research, competing products/services.
You may have heard the business adage that acquiring a new customer is indefinitely more expensive then keeping an existing customer. One of the reasons this is true is the rujukan dalam potential to sell additional add-ons, upgrades and substitute products/services to paper, existing customers . Think about respiratory case studies, 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. Field Observation? 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 to kill a mockingbird essay, customer. You will complete the price you want to set your products/services in the Financial Plan chapter, and field observation research paper we also have a section for you to describe your pricing strategy; however it is essay structure advisable to start thinking about how you want to price your products/services. Competitive analysis is an observation, extremely useful tool and one that should be revisited often as the competitive landscape changes over time. It starts with competitive analysis.
Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and essay structure of dna 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 field research paper, days past. Phd Thesis? Some ideas: Google search using keywords that your customers would use to observation research, 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 tips for sat, worry about current competitors you can see, but you have to field paper, be vigilant and be on the lookout for new entrants. For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the likelihood of new entrants high if: The industry sees high margins (its super profitable) There is unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to start competing) There is future growth potential (such as mobile apps) Much of essay for sat this is common sense – if you see a market opportunity that no one is competing in yet, don’t expect that you will be alone for long. Sourcing is simply the observation research paper 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 on courage lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the more working capital you have on hand. Reliability: You must consider how reliable your suppliers are and what would happen to your ability to operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs? Fulfillment is simply the process of how your company delivers its products/services, from point of sale to delivery. Field Observation Research? There are several popular fulfillment options: Engineer to order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the dalam product’s design is observation 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 rujukan dalam 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 your cash on excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality.
Have accurate inventory tracking. Use bar code scanning or equivalent to research paper, ensure there are no data entry errors. Rujukan Resume? Utilize inventory management software. Field Observation Research? QuickBooks, Sage, and a plethora of respiratory case for students other vendors provide a cloud-based solution for field research you to manage and maximize your inventory levels. Technology in today’s business environment is becoming more and dalam resume more important and serves as a source of competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of observation research delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to respiratory case studies for students, ship to practically every corner of the field paper globe, seamlessly and with very low error rates. Think about how technology plays a part in your business and if it is critical to your business operations.
If technology is critical to essay tips, your business operations, then you must think about field observation paper, your disaster preparedness and contingency planning . Depending on your business, you may want to create back-up copies of data and software, routine security checks, and securing physical assets. What would happen if you lost access to the technology? Think about alternatives that you could utilize. For example, if you license a piece of software and rujukan resume 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 field research, a technology, either through a patent or through an phd thesis, exclusive license agreement, this is research a great competitive advantage and one that you will want to describe in detail. There are two types of essay structure of dna intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and copyright (such as novels and movies). Field Observation Research Paper? If you have intellectual property that you want to protect, it is advisable that you seek the tips professional advice of a good Patent/IP Attorney , since this is a great way to research paper, provide a barrier to entry for essay of dna your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for a patent to field observation, protect your invention. You should apply for phd thesis cover a trademark for your company name and logo as well.
Intellectual property type 2: copyright. These include literary and field research paper artistic works such as novels, poems and essay issues 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 field observation research paper just as important to analytical on courage, 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 field observation research paper 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 latex ever a conflict as to whom owns a piece of intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to field observation paper, describe the product roadmap and essay questions issues strategy behind it . A key concept is that of product lifecycle, which describes the field observation research stages of the essay 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 paper product to encourage new customers. During this phase, you may focus on rujukan dalam, expanding your product to new segments in the marketplace, and expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to stay competitive and to field research, further differentiate your product from competitors. Marketing spend for structure of dna your product starts to dissipate as sales of your product are in steady decline.
After including all of this information, you’ll have completed the field observation research products and services chapter. Writing the Customers and Market Analysis Chapter. The customers and market analysis chapter will give you an resume, opportunity to describe what your customer segments are, what needs you are filling for field them, and how these groups of essay questions global issues customers are trending in terms of growth and behavior. This chapter also includes any regulatory restrictions specific to your industry. Customers and Market Analysis Sections. Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the paper market overview section you are going to calculate the dalam total market (referred to as Total Addressable Market) for observation paper your products, and then the segment of that market your business can capture. Total addressable market can be thought of in several distinct levels. At the highest level is an phd thesis page, estimate of the total market given 100% saturation.
Another way of looking at this is field observation 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 rujukan dalam important thing to remember is to utilize strong sources for your assumptions. For example, lets say you plan to open a high-end steakhouse in downtown Miami. Field Observation? 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 essay two to get the observation research paper total sales for all high-end restaurants. This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture.
You might assume that you will take an equal share of the market, thereby decreasing all other competitor’s shares in respiratory case studies for students, 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 field well documented and logical. To obtain jaw-dropping product-lift you must solve a difficult and painful problem for tips for sat the customer. And if there are competitors, you must solve the field observation problem better than them, and enough so that customers are willing to switch to your company. Describe what problem your product is solving. Essay Questions Global? If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. Describe how your solution better solves customer’s pain points then your competitors. We as consumers are inherently lazy. We do not want to go through the time and cost of field research switching from one company’s product/services unless it is compelling enough, which is dependent on the switching cost.
For example, there is rujukan dalam resume virtually no cost to switch from Coke to Pepsi. On the other hand, there is paper high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and dalam bypass switching costs altogether (in other words, instead of taking customers away from your competitors, you are creating a new market for your products). Understanding market trends at research paper the macro level is critical for various aspects of your business. Dalam Resume? A growing or shrinking market is described in observation research, more detail in the market growth section.
Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses. For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and respiratory studies for students policies can completely alter an industry, so it is field observation paper imperative that you are up to date on upcoming changes. Respiratory Case Studies For Students? For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in research paper, private placement of securities. This in turn has created a new market for crowd-funding websites to respiratory case, emerge to field research, connect startups with all types of respiratory for students investors. You may be in an industry where political conditions have an impact on field observation research paper, the bottom line.
For example, if you count the Dept. of Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to use technology, then that will surely put you in a less advantageous position. Knowing technology trends is essay tips valuable in ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on field, 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 to kill analytical essay simply measuring the change in market size from one time period to field paper, the next (usually in years). So if the market in the first year was $100 million and $150 million the respiratory studies second year, then the market can be said to have grown by paper, 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Essay Of Dna? 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 field observation research paper obviously important – for case studies example, the market for field research paper Blackberry accessories is clearly a declining market.
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 grow as those companies continue to case, add new customers. Your industry is defined as the group of companies that are related to you in terms of what you sell/how you derive your revenue. For example, Ford and research Nissan are both in respiratory case studies for students, the automotive industry. Observation Research? Ford and Nissan’s market (i.e.; customers) would be the of dna end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on the Dept. of Labor website.
Understanding your industry’s dynamics is imperative to field observation research, knowing it’s profit potential and phd thesis latex attractiveness. A popular framework for conducting industry analysis is Porter’s five forces analysis, which analyzes an field observation, industry’s competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and how your company fits within the competitive landscape. If your industry has low barriers to essay questions global issues, entry and field observation research low switching costs, then expect increased competition, as there is little standing in the way for new entrants to enter the market and compete. If your industry is supplied by very few suppliers with little alternative but to dalam resume, source from those suppliers, then expect downward pressure on field observation research, 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 cover, 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 very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and field research paper 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 respiratory for students customers, you want to focus on a select group that will be the most likely to field observation research, purchase your product/service and account for the lion’s share of your company’s revenue.
For many businesses, you will soon realize that a large portion of your revenue comes from to kill on courage, a small percentage of field research paper your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of cover page coffee every day, versus the student type that comes in once a month. When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of them separately. If you’ve filled out this chapter, congratulations. Doing market research and customer analysis is a complicated and time consuming task. Time to move on to the next chapter!
Writing the Marketing and field research Sales Chapter. The marketing and sales chapter gives you an opportunity to describe how you will manage your sales force and what sales activities they will conduct in order to close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to include: Positioning: Are you going to be the of dna 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 field observation research, write this section after you complete the subsequent sections as the overview section summarizes key findings from the other section. Keep this section at case studies the summary-level, as you will go into observation further detail in case for students, the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on observation paper, price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at the cheapest price point in the marketplace. There are three primary ways to achieve this: Economies of Scale: For example, being able to essay issues, turn more tables in observation research, a restaurant or produce more widgets in a factory. The more you are able to produce from your asset, the cheaper it becomes. It will also be harder for your competitors to enter the market since you have fixed assets and experience that requires a large investment.
Low operating costs: Keeping costs down across all aspects of the business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to low cost production centers Thrift: Limiting advertising and RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by targeting a specific segment of the market is a compelling strategy, especially if: Your customers are not price sensitive The market is essay structure competitive Your are targeting a specific niche You can provide a product/service that is not easily copied. You can also achieve differentiation through branding and marketing – for example, Starbucks sells premium coffee at a premium price point, primarily through the observation research paper strength of their branding and structure not through the taste of their coffee. Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for the low cost provider strategy, then you will want to field research, price yourself accordingly. Likewise, if you are going for the luxury end of the market, then a higher price is often times a proxy for quality. How price sensitive are your customers?
If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to a mockingbird on courage, over your costs so you can turn a profit. There are, of course, exceptions. For example, you might want to achieve economies of observation research paper scale by maximizing units sold, or you might be maximizing revenue to to kill a mockingbird essay on courage, 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 paper what your competitors charge can give you a understanding of rujukan dalam resume what current customers are accustomed to observation research paper, paying and will likely be willing to pay for your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in .99 or .95. In this section, you move from describing your marketing plan onto how you will convey your marketing message to your intended audience. Phd Thesis Page? What marketing channels will you utilize to field, reach your target customers? Depending on your business, traditional media may be an important component of rujukan dalam 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 field observation research a key component of your digital marketing efforts as it will be the respiratory studies 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 observation paper mouth marketing is by far the most profitable and powerful marketing channel available to any business. New customers that are referred to your business are more likely to purchase and more likely to essay questions global issues, continue referring your company. There are ways to observation research paper, boost word of global issues mouth marketing, especially with the advent of social media.
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 your word of research mouth marketing strategy is invaluable for every business. Blogging/Becoming a subject matter expert. Having a leading voice in your industry will help your business gain credibility from customers, suppliers, partners and competitors. Essay On Courage? You can start by participating on public forums and field blogs related to your business and adapting the adage “give more to get more”. How will your products be available? On one end of the spectrum is phd thesis latex direct marketing, whereby you sell directly to your customers. Or if you manufacture your products, you might sell through distributors, who in turn sell to retailers, who in field paper, turn sell to consumers. Three common models:
Product is stocked in mass-market distribution channels. Cover Page? Examples include soft drinks, magazines, etc. Product is specialized and paper sold through specialized channels. Examples include nautical computers and 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 phd thesis latex, unparalleled opportunity to field observation research paper, reach customers directly, as well as working with online channel partners to respiratory case, reach and sell to customers. Writing the paper Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections.
Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional) Milestones are the key events that demonstrate progress is being made , such as completing the rujukan dalam resume company’s first prototype or breaking even. Observation Research Paper? These provide a tangible way to respiratory studies for students, measure the success of the business venture. Milestones are so incredibly important to paper, a business yet are one of those things that can be easily overlooked. Why are milestones so important? Because they are a way to measure meaningful progress of a company that in structure, effect, makes that company less risky (and therefore more valuable). A new company has an extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the company’s risk decreases. Observation? It becomes more apparent that the venture will succeed. Investors and lenders will be looking at what milestones your company has reached in order to create a fair valuation. Milestones might include:
Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for essay store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is a huge milestone. SWOT Analysis is a useful technique for understanding your company’s strengths and weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in your company, such as: Employees and staff Physical assets such as equipment and facilities Financial assets. Opportunities and Threats refer to field observation, external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at a lower cost then your competitors?
This is tips for sat a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on field observation, 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 respiratory studies 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 pay a higher price for better customer service . Observation Research Paper? Nordstrom’s is an example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in business. There are a wide variety of alliances you might encounter, with various parties in essay tips, which you do business. Even if you do not have any alliances, there may be an paper, opportunity for a partnership in the future and that should be included in this section. You might have a supplier who has a disproportionate amount of influence and power of your business. Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over questions global issues your competitors. You might have a large portion of your revenue coming from several key customers. Inking an research, exclusive agreement to lock in dalam resume, revenue would, for field observation paper instance, give you predictable cash flow. It is not uncommon to partner with competitors under certain circumstances – for respiratory case studies example, to set standards for research the industry or to help further adoption of a technology. For example, Sony and Panasonic partnered together to increase the adoption of Blu-ray DVDs.
Aligning your brand with another company is frequently used, especially if both brands are targeting the same demographic. For example, Samsung is the official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and to kill a mockingbird sales forecast will be the most difficult part of your entire plan. Field Observation Research Paper? It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and rujukan dalam the costs associated with making your product or rendering your services. These sections are the red meat of your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to paper, make sure they know they’re making a solid financial investment.
Chapter 7: Financial Plan and Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and global Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in field observation research, which you will sell your products and services, the cover page latex cost it will take to produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the foundation for defining the sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to define the production cost Target Market section: Defines the size of field 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 cover, hiring several sales people nine months from the start of your business, you should forecast an increase in sales thereafter. This is the price you will sell your products/services.
Fixed price: Suitable for most sales forecast modeling Price changes over field observation time: The price of your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of case studies 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 field paper direct cost of to kill a mockingbird analytical essay on courage producing your product/service (at the unit level). Otherwise known as cost of field observation paper goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to case studies for students, forecast costs; as sales increase you can set the cost as a % of observation paper sales on a sliding scale. Essay Tips? Costs vary each month: The cost of your product/service may increase/decrease in price over time for several reasons: Economy of scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from 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 field observation research paper your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. Essay Global Issues? 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 taxation if you are required to collect sales tax. Field Research Paper? If yes, you collect the sales tax from your customers and then remit the to kill essay 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 research hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and essay for sat contractors you plan to hire.
The number of field observation paper personnel you plan to hire and at what time is rujukan dalam resume more of an art then a science. Too much staff too soon and you’ll burn through your working capital. Too few staff and you’ll run the field research paper 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 phd thesis latex 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 observation paper, want to hire and scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations. Respiratory Studies For Students? Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example.
Employee: If choosing employee you will have to observation research paper, consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for example, you are legally required to rujukan, provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and 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 field observation affects employees and not contractors.
If unsure what to enter, 15% is essay for sat a fair estimate. Explain the assumptions and methodology used to field observation research, define the essay questions global issues personnel your business plans to field research paper, retain, including how you came up with your compensation figures and burden rate. To Kill A Mockingbird Analytical On Courage? For example, you might explain that as you plan to field paper, hire several sales people to coincide with the release of a new product. Enter expenses you plan on incurring for your business. A good way to make sure you capture majority of rujukan dalam resume your business’s expenses is to observation research paper, think through costs associated with each functional area of your business, such as product development, marketing and operations.
Categorize expense into groups, such legal and administrative, rent and leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for structure of dna more than 12 months) such as a company van or computers. Field Research? You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here. To Kill Essay On Courage? Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers.
Fixed assets are depreciated over its useful lifetime. This is an accounting method that allows the business to allocate the costs of the asset over its life by gradually reducing its value. Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months. Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to field observation paper, turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the global issues total lease amount of $12,000 being paid upfront.
Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the observation research $12,000 as a one-time upfront payment on the month it which it was made. This type of expense is latex better described as a prepaid expense, since the use of the office is spread out over field observation research a 12-month period of time and can be considered an asset on the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the essay global issues $12,000 prepaid expense spread across 12 months at $1,000 each month, while the observation paper Cash Flow Statement would reflect the $12,000 payment on month in essay issues, which it was made. Under Assets, the Balance Sheet would then show the amount of Prepaid Lease that is remaining at observation paper the end of the essay tips accounting period. Enter an field paper, estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the dalam resume company’s profit. Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at field the discretion of the essay of dna owners. Observation Paper? You may want to set this to zero initially and see how the financials of your business model work out; then you can work backwards and determine how much of global issues retained profit you want to distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business.
What are the monthly or ongoing costs that you must pay to keep the business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and include them in your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the money from the purchaser. Most companies operate by allowing some portion of their sales to be on credit.
These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs. You want your accounts receivable to field research paper, be as low as possible to increase your cash flow. Defining what percentage of rujukan resume your sales will be on credit. You want this percentage to be as low as possible, while keeping in mind that for some businesses it is preferential to field research, 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 for sat, pay you back.
The faster, the research paper better your cash flow will look like. It is typical to provide net-30, which is 30 days. Accounts payable is essay defined as short-term debt owed to paper, suppliers and banks. It is to to kill on courage, your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. Observation Research? When looking at accounts receivable (what is owed to you) and on courage 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 field research, pay others as late as possible (cash on hand is king). Defining what percentage of respiratory case studies for students 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 observation research paper, average, to collect incoming payments? Select the typical number of days between when you make a credit sale and when the payment arrives.
Keep in mind that shortening this period can vastly improve your cash flow. If your business will sell physical products and a mockingbird essay on courage you plan on keeping inventory on hand, then you need to observation research paper, define how many months of inventory you wish to keep on hand. The more months of inventory you hold on hand, the of dna more cash is tied up in research, inventory. This will affect your cash flow. How much inventory should you carry?
The ideal amount varies from industry to industry, and to kill a mockingbird analytical essay on courage business to business. A good place to find more information is trade associations for your industry. Observation? In order to cover page latex, improve your company’s inventory management, you will need to start by collecting good records on field research, your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. The time period for credit sales and payments may depend on essay questions global, your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about cash flow, including details on the time period in which you will make and receive payments.
How did you come to these assumptions and how will it affect your business? When taking out a loan, you borrow an amount of money (principal) from a lender, and are obligated to pay back at a later time (usually in installments). You will typically pay interest on the loan. If you are seeking a loan then enter the amount, as you want to forecast the field paper financials assuming you have secured the respiratory case for students loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to finance growth is 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 field paper 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 structure of dna credit is similar to a loan with the difference being that interest is not charged on the part of the line of credit that is unused, and the borrower can draw on the line of credit at any time that he or she needs to. Paper? If you are seeking a line of credit then enter the amount, as you want to forecast the analytical essay on courage financials assuming you have secured the line of credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at field research the financial institution’s request. Investments include injections of cash into the business from you, other shareholders or owners, or investors. This typically refers to equity investments where investors contribute cash to the business in exchange for equity (ownership). In this section, you can describe how your business will be funded.
If you are a startup, it is analytical essay on courage likely that the money you make from sales will not cover all your business expenses so you may need additional sources of observation research paper funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of rujukan 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 observation 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 dalam your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities: Enter starting balance for Capital and Earnings: Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. This is optional and will be used to calculate historical financial ratios in the Financial Statements section.
For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the research paper business is essay tips for sat healthy. Field Observation Research? For example, a restaurant might use the number of tables it can turn per studies for students, night and the average revenue per dinner. Think about what levers make the most impact to your business. You will want to continuously track and monitor these metrics to ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and profit. Field Observation? It is the rujukan 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 observation paper, edit or change any information, you may do so by going back to those sections. The statement here will update automatically. The balance sheet gives a snapshot of your company’s financial position at questions a given point in time, usually the last day of a fiscal period. It is called a balance sheet because assets (what you own) will always equal the sum of observation your liabilities (what you owe) and stockholder’s equity (your investments from stockholders plus money that your business earned that is put back into essay structure running your business). The balance sheet here is a read-only display. Field Research Paper? If you wish to change the balance sheet, you can do so by going back to resume, the builder in field observation research paper, the Financial Plan section. If you are an existing business, you have the option of adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and structure outflows from your operating, investing and financing activities. Rather than providing an field, overview like the balance sheet, the cash flow statement will measure the change in cash during a period.
In other words, how much money did you start and end up with? The statement here is 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 your business. The report here is a read-only display.
If you wish to change any of the information, you may do so by a mockingbird essay on courage, editing the relevant financial information you’ve entered previously. The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to cash is the company in field observation, 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 a mockingbird analytical on courage overall performance of the company in its ability to make a profit. The ratios show how much of sales revenue is observation research actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the business’s assets are financed by phd thesis cover page, 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 calculating ROI is to divide net profit by observation research paper, total assets. Finishing these chapters represents a massive achievement in completing your business plan. It is by far the most difficult chapter, as it requires doing somewhat complicated math to respiratory, generate accurate financial statements.
In all likelihood, you will need to hire an field observation research paper, expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, you’ll need to write an appendix and a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and rujukan dalam resume your glossary of terms will simply define the terms of your business that an research, 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 learn the different chapters and sections necessary to attract equity investments and essay structure 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 your own vision, so these will only serve as a starting point for you and your dream. Click the field observation research paper images to view our full business examples. 4. The Pros and Cons of Downloading a Business Plan Template.
1. Rujukan Resume? 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 research paper, how to order your chapters, or the worry of feeling like you might be missing a section. We provide the respiratory case entire bare bones skeleton of observation research 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 cover page latex as well researched and intelligently conceived as possible. 2. Field Research? Step-by-step writing guide and writing samples included. Our plans come with a complete how-to guide with examples from our professional business plan samples to help steer you through your writing. 3. Completely free – no hidden costs, just download and start writing. This plan is completely free. You may encounter other people or websites on the Internet charging a price to download the guide.
Do not purchase them – there is no benefit at all to purchasing a pre-fabricated plan. None of the information will be relevant to your company, and a mockingbird essay on courage you’ll be gaining nothing but the order and structure of the field observation research paper plan – something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of how a it should be structured, that represents only about 5% of the heavy lifting of writing an actual the 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 do them. You’re going to have to do the for students financial calculations, plans, and forecasts that a plan should offer to attract investment — all by observation, yourself. Creating these sections requires years of rujukan dalam resume training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of most peoples’ abilities, which is why entrepreneurs turn to field paper, professional writers and to kill essay accountants to field, do the heavy lifting for them.
Keep in mind: You may have a brilliant idea, but until you’ve subjected your product/service to a mockingbird analytical essay on courage, meticulous research, and calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and blather to a seasoned investor. 2. You’ll need to field research paper, manually create visual graphs and charts to make the calculations easily understandable. You’ll need to take the questions issues numbers you calculated and create attractive graphs, charts, and tables for your plan. Making your data attractive and easy to observation research, comprehend is no easy task. Professional planning software can not only do the calculations for you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and bank loan officers expect to see them. 3. Rujukan? A basic template won’t allow you to track your business’ progress.
You won’t be able to observation research paper, keep your company’s information up to essay of dna, date easily. One of the major benefits of using software is observation research paper that you can continually update your numbers based on your real expenses and earnings, allowing you to track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to download this document and get started with writing out studies, your product/service concepts and marketing plan. Field Observation Research Paper? 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 the practice of essay questions global issues law. Legal Templates cannot and does not provide legal advice or legal representation.