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A Sample Check Cashing #038; Payday Loan Business Plan Template. Are you about starting a check cashing company? If YES, here is a complete sample payday loan business plan template feasibility report you can use for FREE . Okay, so we have considered all the requirements for starting a payday loan business. We also took it further by analyzing and drafting a sample payday loan service marketing plan template backed up by actionable guerrilla marketing ideas for tarahumara masters, payday loan companies. So let#8217;s proceed to the business planning section . Civil Rights Paper? Why Start a Check Cashing Payday Loan Business? Becoming an entrepreneur is just the tarahumara thesis, way to short about winter, go if indeed you don’t want to place a cap on how much you earn per month or annually. If you live in masters the United States and you are a qualified accountant or financial consultants, then you should consider starting check cashing and payday Loan Services firm. You can be rest assured that your services would always be in demand not only by civil rights, people that cuts across different financial divides within your area of operations but also by businesses. Just like most industries, the check cashing and payday loan services industry is pretty open for as many people that are interested in the industry as long as you have what it takes to run a check cashing and thesis payday loan services firm.
Even if you don’t have the finance and other requirements for starting a standard check cashing and payday services firm, you can come into the industry by starting – out thesis bristol as a firm servicing individuals and households in your neighborhood. If you have decided to masters, start a check cashing and payday loan services firm, then you must make sure that you carry out thorough feasibility studies and term also market survey. This will enable you properly locate the business in a community or city with the right demography; a location that can readily accept your services. Business plan is yet another very important business document that you should not take for tarahumara thesis, granted in the bid to resume now, launching your own business. Below is a sample check cashing and payday loan services firm business plan template that will help you successfully launch your own business; A Sample Check Cashing Payday Loan Business Plan Template. Firms that operate in the Check Cashing and Payday Loan Services industry cashes checks, drafts or money orders for the general public.
Firms in this industry may also offer payday loans, installment loans and other related financial services. It is tarahumara masters important to categorically state that banks and firms that operate exclusively online are not part of the Check Cashing and finance Payday Loan Services industry. The industry has loads of small business operators servicing a wide range of clients. Thesis? The Check Cashing and Payday Loan Services industry is indeed in music dissertations database a mature stage of its growth. The industry is characterized by growth in line with the overall outlook of the economy, consolidation from the largest players in the industry and wholehearted market acceptance of industry products and services. The check cashing and payday loan services line of business will continue to be in high demand by masters thesis, the general public in the United States, It can’t be ruled out that the nature of the short essay winter season, Check Cashing and Payday Loan Services industry gives room for it to perform well during the recession. Tarahumara Masters Thesis? This is short about winter season so because, as consumers struggled during difficult economic times, they used industry services to advance their paychecks or to get quick cash back. Tarahumara Masters Thesis? Though, as the economy continues to recover and consumers start to fatten their wallets, there is on a day without electricity likelihood that the masters thesis, demand for day without electricity for kids, the industry#8217;s services will decline. Moreover, industry regulations have been increasing, hampering revenue growth and profit margins for firms in the Check Cashing and tarahumara masters thesis Payday Loan Services industry. The Check Cashing Payday Loan Services industry is indeed a large industry and pretty much active in most developed countries of the world most especially in database the United States of tarahumara masters America, United Kingdom, Mexico and Canada et al.
Statistics has it that in essay season the United States of America alone, there are about 14,569registered and licensed (big, medium scale and tarahumara thesis small) Check Cashing Payday Loan Services firm scattered all across the civil, United States responsible for employing about 89,794 people and the industry rakes in tarahumara masters thesis a whooping sum of $11 billion annually. The industry is projected to enjoy 1.8 percent annual growth within 2011 and 2016. The establishments with the lion share of the available market in this industry are Cash America International and AARC. A recent report released by IBISWORLD shows that the Check Cashing and Payday Loan Services industry has relatively low barriers to entry, particularly when compared to dissertations, other financial services industries. According to Cash America, a new retail location can be ready for business within four to eight weeks after the tarahumara masters, location and appropriate licenses have been secured.
Total start-up costs generally range from $500,000 to $600,000 for essay about winter season, the investment in property and tarahumara masters equipment. The report further stated that in binding Mexico and tarahumara masters thesis other international markets, start-up costs are generally less expensive, with the initial required investment ranging from $50,000 to $120,000 due to the smaller size of music dissertations these locations and masters thesis lower labor and materials costs. One thing is certain about starting a check cashing and music payday loan services business, if you are able to conduct your market research and feasibility studies, you are more likely not going to struggle to secure clients because there are always clients all across the United States who would need your services from to time. Lastly, with check cashing and payday loan services business, you can afford to partner with other smaller firms that are into financial related services. Masters? You can partner with tax consulting firm, you can partner with accounting and auditing firms and you can partner with human resources consulting firms’ et al. The bottom line is finance that if you have a robust network and you are well positioned, you can indeed maximize profits with your check cashing and payday loan services firm.
Check Cashing Payday Loan Business Plan Executive Summary. Cash 24 – 7® Financial Services, LLC is tarahumara a registered and licensed check cashing and payday loan services firm that will be based in on a day without Los Angeles California. The company will handle all aspect of tarahumara masters thesis check cashing and payday loan services such as providing payday loans for recurring expenses, providing payday loans for thesis bristol, unexpected emergencies/expenses, providing check cashing services, providing payday loans for other reasons, loan servicing and administration, cash handling and tarahumara management services for businesses, money transmission servicing, selling money orders and traveler’s checks and safe deposit box renting. We are aware that to run an all – round and standard check cashing and payday loan services firm can be demanding which is why we are well trained, certified and equipped to perform excellently well. Cash 24 – 7® Financial Services, LLC is a client focused and result driven check cashing and payday loan services firm that provides broad- based services at an affordable fee that won’t in any way put a hole in the pocket of our clients. We will offer standard and professional services to all to rights term paper, our individual clients, and corporate clients at local, state, national, and international level. We will ensure that we work hard to meet and surpass our clients’ expectations whenever they hire our services.
At Cash 24 – 7® Financial Services, LLC, our client’s best interest would always come first, and everything we do is guided by our values and professional ethics. We will ensure that we hire professionals who are well experienced in the check cashing and payday loan services industry. Cash 24 – 7® Financial Services, LLC will at all times demonstrate her commitment to sustainability, both individually and tarahumara thesis as a firm, by actively participating in our communities and integrating sustainable business practices wherever possible. We will ensure that we hold ourselves accountable to the highest standards by meeting our client’s needs precisely and completely. We will cultivate a working environment that provides a human, sustainable approach to earning a living, and living in our world, for our partners, employees and for our clients. Order Resume? Our plan is to position the business to become one of the leading brands in the check cashing and payday loan services industry in the whole of Los Angeles California, and also to be amongst the tarahumara masters, top 20 check cashing and payday loan services firms in short essay about winter the United States of America within the masters thesis, first 10 years of essay on a day without operations. This might look too tall a dream but we are optimistic that this will surely be realized because we have done our research and feasibility studies and thesis we are enthusiastic and confident that Los Angeles California is the right place to launch our check cashing and payday loan services business before sourcing for clients from other cities in the United States of America. Cash 24 – 7® Financial Services, LLC is founded by Michael Larry and Joel Evans, his business partner for many years. The organization will be managed by both of short essay them since they have adequate working experience to manage such business. Michael Larry has well over 10 years of experience working at various capacities within the check cashing and tarahumara thesis payday loan services industry in the United States of America. He graduated from both University of California – Berkley with a Degree in Accounting, and finance thesis University of tarahumara masters thesis Harvard (MSc.) and he is a chartered account.
Joel Evans has ample experience in the area of tax consulting and financial auditing. Cash 24 – 7® Financial Services, LLC is going to resume online now, offer varieties of services within the scope of the check cashing and payday loan services industry in the United States of America. Our intention of starting our check cashing and payday loan services firm is to work with individual clients and corporate clients to tarahumara, handle their financial needs as it relates to the services we offer. We are well prepared to make profits from the online now, industry and we will do all that is masters thesis permitted by the law in the United States to achieve our business goals, aim and ambition. Order Resume Online? Our business offerings are listed below; Providing payday loans for recurring expenses Providing payday loans for unexpected emergencies/expenses Providing check cashing services Providing payday loans for masters, other reasons Loan servicing and administration Cash handling and management services for essay season, businesses Money transmission servicing Safe deposit box renting Selling money orders and traveler’s checks Providing financial advice to tarahumara masters thesis, individuals and civil rights small businesses. Our vision is to build a check cashing and payday loan services firm brand that will become the number one choice for both individual and masters corporate clients in the whole of Los Angeles California. Our vision reflects our values: integrity, service, excellence and teamwork. Our mission is to provide professional, reliable and trusted check cashing and payday loan services that to individual and corporate clients. We will position the business to mathematical finance, become one of the masters thesis, leading brands in the check cashing and payday loan services line of online now business in the whole of Los Angeles California, and also to be amongst the tarahumara, top 20 check cashing and payday loan services firms in the United States of America within the first 10 years of operations. Normally we would have settled for two or three staff members, but as part of our plan to build a standard check cashing and payday loan services firm in Los Angeles California, we have perfected plans to music dissertations, get it right from the beginning which is why we are going the extra mile to ensure that we have competent, honest and hardworking employees to thesis, occupy all the available positions in our firm.
The picture of the kind of mathematical check cashing and payday loan services firm we intend building and the business goals we want to achieve is what informed the thesis, amount we are ready to pay for the best hands available in and around Los Angeles California. Order Resume? We will ensure that we only hire people that are qualified, honest, hardworking, customer centric and tarahumara are ready to work to help us build a prosperous business that will benefit all the stake holders (the owners, workforce, and customers). As a matter of fact, profit-sharing arrangement will be made available to civil rights term, all our senior management staff and masters it will be based on their performance for a period of five years or more depending how fast we meet our set target. In view of that, we have decided to hire qualified and for kids competent hands to occupy the following positions; Chief Executive Officer Check Cashing and Loan Consultants Admin and HR Manager Marketing and Sales Executive Accountant Customer Care Executive / Front Desk Officer. Roles and Responsibilities. Increases management#8217;s effectiveness by recruiting, selecting, orienting, training, coaching, counseling, and disciplining managers; communicating values, strategies, and objectives; assigning accountabilities; planning, monitoring, and appraising job results; developing incentives; developing a climate for offering information and opinions; providing educational opportunities.
Responsible for fixing prices and signing business deals Responsible for masters thesis, providing direction for the business Creates, communicates, and rights implements the organization#8217;s vision, mission, and overall direction i.e. leading the development and implementation of the overall organization#8217;s strategy. Responsible for signing checks and documents on tarahumara thesis behalf of the company Evaluates the success of the organization. Check Cashing and Loan Consultants. Responsible for providing payday loans for recurring expenses for on a electricity, clients Responsible for providing payday loans for unexpected emergencies/expenses Responsible for providing check cashing services Responsible for providing payday loans for other reasons Handles loan servicing and administration In charge of cash handling and tarahumara masters management services for music, businesses Handles money transmission servicing In charge of safe deposit box renting Responsible for selling money orders and tarahumara traveler’s checks Responsible for providing financial advice to individuals and small businesses. Responsible for overseeing the smooth running of bristol HR and tarahumara thesis administrative tasks for the organization Designs job descriptions with KPI to drive performance management for clients Regularly hold meetings with key stakeholders to review the effectiveness of HR Policies, Procedures and Processes Maintains office supplies by checking stocks; placing and expediting orders; evaluating new products. On A? Ensures operation of equipment by completing preventive maintenance requirements; calling for repairs. Defines job positions for recruitment and managing interviewing process Carries out staff induction for new team members Responsible for training, evaluation and assessment of employees Responsible for tarahumara masters thesis, arranging travel, meetings and appointments Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in essay electricity for kids professional organizations.
Oversees the smooth running of the daily office activities. Tarahumara Masters? Marketing and Sales Executive. Identifies, prioritizes, and reaches out to binding, new partners, and masters business opportunities et al Identifies development opportunities; follows up on development leads and essay about season contacts; participates in the structuring and financing of projects; assures the completion of tarahumara masters relevant projects. Writes winning proposal documents, negotiate fees and rates in line with company policy Responsible for handling business research, marker surveys and feasibility studies for clients Responsible for supervising implementation, advocate for the customer’s needs, and communicate with clients Develops, executes and evaluates new plans for essay, expanding increase sales Documents all customer contact and tarahumara masters information Represents the company in strategic meetings Helps to increase sales and paper growth for the company. Responsible for tarahumara masters, preparing financial reports, budgets, and order resume now financial statements for tarahumara masters, the organization create reports from the information concerning the financial transactions recorded by essay on a day without, the bookkeeper Prepare the income statement and balance sheet using the masters thesis, trial balance and ledgers prepared by the bookkeeper. Provides managements with financial analyses, development budgets, and accounting reports; analyzes financial feasibility for the most complex proposed projects; conducts market research to thesis binding, forecast trends and masters business conditions. Responsible for financial forecasting and short winter risks analysis. Tarahumara Thesis? Performs cash management, general ledger accounting, and financial reporting for one or more properties.
Responsible for developing and short about winter season managing financial systems and policies Responsible for administering payrolls Ensuring compliance with taxation legislation Handles all financial transactions for the firm Serves as internal auditor for the firm. Client Service Executive / Front Desk Officer. Welcomes guests and clients by tarahumara masters thesis, greeting them in person or on the telephone; answering or directing inquiries. Ensures that all contacts with clients (e-mail, walk-In center, SMS or phone) provides the client with a personalized customer service experience of the highest level Through interaction with clients on the phone, uses every opportunity to build client’s interest in the company’s products and services Manages administrative duties assigned by the manager in an effective and timely manner Consistently stays abreast of any new information on the company’s products, promotional campaigns etc. to ensure accurate and thesis bristol helpful information is supplied to tarahumara masters thesis, clients Receives parcels / documents for the company Distributes mails in paper the organization Handles any other duties as assigned. Check Cashing Payday Loan Business Plan SWOT Analysis. Thesis? Cash 24 – 7® Financial Services, LLC engaged the services of a core professional in the area of business consulting and structuring to assist the firm in building a well – structured check cashing and payday loan services firm that can favorably compete in the highly competitive check cashing and payday loan services industry. Part of music database what the tarahumara masters, team of business consultant did was to work with the management of our organization in order resume conducting a SWOT analysis for Cash 24 – 7® Financial Services, LLC. Here is a summary from the result of the SWOT analysis that was conducted on behalf of Cash 24 – 7® Financial Services, LLC; Our core strength lies in the power of our team; our workforce. We have a team that can go all the way to give our clients value for their money; a team that are trained and equipped to pay attention to details and to deliver excellent jobs. We are well positioned and we know we will attract loads of clients from the first day we open our door for business. As a new check cashing and tarahumara masters thesis payday loan services firm, it might take some time for our organization to break into the market and gain acceptance especially from corporate clients in the already saturated check cashing and payday loan services industry; that is short about perhaps our major weakness.
So also, we may not have the required cash to give our business the thesis, kind of short about winter publicity we would have loved to. The opportunities in the check cashing and payday loan services industry is massive considering the number of individuals and even corporate organizations who can’t afford to masters thesis, do without the services of check cashing and payday loan services firms. As a standard and well – positioned check cashing and payday loan services firm in Los – Angeles California, we are ready to take advantage of any opportunity that comes our way. Some of the threats that we are likely going to face as a check cashing and payday loan service firm operating in the United States are unfavorable government policies, the arrival of a competitor within our location of operations and global economic downturn which usually affects purchasing / spending power. Binding Bristol? There is hardly anything we can do as regards these threats other than to be optimistic that things will continue to work for our good. Check Cashing Payday Loan Business Plan MARKET ANALYSIS.
If you a close watcher of the trends in the Check Cashing and tarahumara thesis Payday Loan Services industry, you will agree that it can’t be ruled out civil rights paper that the nature of the tarahumara, Check Cashing and Payday Loan Services industry gives room for it to perform well during the recession. This is so because, as consumers struggled during difficult economic times, they used industry services to advance their paychecks or to get quick cash back. Though, as the economy continues to recover and consumers start to fatten their wallets, there is likelihood that the demand for the industry#8217;s services will decline. Moreover, industry regulations have been increasing, hampering revenue growth and profit margins for firms in the Check Cashing and Payday Loan Services industry. Although the industry is pretty much open to startups at different levels, but it is innovation, excellent and trusted services that usually support the growths of new players in the Check Cashing and civil rights Payday Loan Services industry. Masters Thesis? Lastly, it is now becoming trendier to find check cashing and payday loan services firms offering other financial related services just as a means of generating more revenue for the business and as a means of expanding and staying highly competitive in the industry.
The demographic and psychographics composition of binding those who need the services of check cashing and payday loan services provider cuts across both individuals and corporate organizations especially small businesses. Cash 24 – 7® Financial Services, LLC will initially serve small to medium sized business, from new ventures to well established businesses and individual clients, but that does not in tarahumara masters any way stop us from growing to be able to compete with the leading check cashing and payday loan service firms in the United States. As a standard and licensed check cashing and payday loan service firm, Cash 24 – 7® Financial Services, LLC offers a wide range of music dissertations database services hence we are well trained and equipped to services a wide range of clientele base. Our target market cuts across businesses of different sizes and industries. We are coming into the industry with a business concept that will enable us work with the tarahumara thesis, small businesses and thesis binding bristol bigger corporations in and around Los Angeles California and other cities in the United States of America. Tarahumara Masters? Below is a list of the businesses and organizations that we have specifically design our products and services for; Business men and women Mom and Pop Businesses NGOs Individuals Corporate executives Religious Organizations (Pilgrimage journeys et al) Entrepreneurs and Start Ups. Our Competitive Advantage. The level of competitions in the check cashing and day without electricity for kids payday loan services industry depends largely on the location of the business and of course the niche of your services. If you can successfully create a unique brand identity for your check cashing and payday loan services firm or carve out a unique market, you are likely going to experience less competition. For instance, if you are one of the few check cashing and payday loan services firms in your locations that also offer tax consulting, accounting and bookkeeping and payroll services you are likely going to tarahumara thesis, have a competitive advantage over your competitors. Although the competition in the check cashing and payday loan services industry is not just within same service providers but also other financial consulting related service providers in rights the financial consulting services industry.
We are quite aware that to tarahumara masters thesis, be highly competitive in the check cashing and payday loan services industry means that we should be able to deliver consistent quality service, our clients should be able to meet their financial needs and we should be able to meet the expectations of mathematical finance clients. Cash 24 – 7® Financial Services, LLC might be a new entrant into the check cashing and payday loan services industry in thesis the United States of America, but the management staffs and finance owners of the business are considered gurus. They are people who are core professionals and licensed and highly qualified in masters the United States. These are part of resume online what will count as a competitive advantage for us. Lastly, our employees will be well taken care of, and their welfare package will be among the best within our category (start – ups check cashing and payday loan service firms) in the industry meaning that they will be more than willing to build the business with us and help deliver our set goals and achieve all our aims and objectives. Check Cashing Payday Loan Business Plan SALES AND MARKETING STRATEGY. Tarahumara Masters? We are mindful of the fact that there are stiffer competitions amongst check cashing and mathematical thesis payday loan service firms and masters other related financial consulting service providers in the United States of America, hence we have been able to hire some of the music dissertations, best business developer to handle our sales and marketing.
Our sales and marketing team will be recruited base on their vast experience in the industry and they will be trained on a regular basis so as to thesis, be well equipped to meet their targets and the overall goal of the organization. We will also ensure that our excellent job deliveries speak for us in term the market place; we want to build a standard check cashing and payday loan service firm that will leverage on word of mouth advertisement from satisfied clients ( both individuals and corporate organizations ). Our goal is to grow our check cashing and tarahumara payday loan services firm to become one of the top 20 check cashing and day without for kids payday loan services firms in the United States of masters America which is why we have mapped out strategy that will help us take advantage of the available market and mathematical grow to become a major force to masters, reckon with not only in on a day without electricity for kids the Los Angeles California but also in other cities in the United States of America. Cash 24 – 7® Financial Services, LLC is set to make use of the following marketing and sales strategies to attract clients; Introduce our business by tarahumara, sending introductory letters alongside our brochure to corporate organizations, households, schools, Businesses, Non Profit Organizations and key stake holders in New York City and other cities in New York. Advertise our business in relevant financial and resume online business related magazines, newspapers, TV stations, and radio station. List our business on tarahumara thesis yellow pages’ ads (local directories) Attend relevant international and local finance and business expos, seminars, and business fairs et al Create different packages for different category of short about winter clients (individuals, start – ups and tarahumara masters established corporate organizations) in order to work with their budgets and still deliver quality services to them Leverage on the internet to promote our business Engage direct marketing approach Encourage word of dissertations database mouth marketing from loyal and satisfied clients Join local chambers of commerce and industry with the aim of thesis networking and rights marketing our services.
Cash 24 – 7® Financial Services, LLC is established with the aim of thesis maximizing profits in the check cashing and payday loan services industry and we are going to go all the way to ensure that we do all it takes to attract clients on a regular basis and sign ‘retainer – ship’ with most of our clients. Cash 24 – 7® Financial Services, LLC will generate income by offering the thesis binding, following services to tarahumara, individuals, households, start – ups, NGOs and for corporate organizations; Providing payday loans for recurring expenses Providing payday loans for unexpected emergencies/expenses Providing check cashing services Providing payday loans for other reasons Loan servicing and administration Cash handling and order resume online now management services for businesses Money transmission servicing Safe deposit box renting Selling money orders and thesis traveler’s checks Providing financial advice to individuals and small businesses. One thing is certain, there would always be households, individuals, start – ups, NGOs and corporate organizations who would need the thesis binding bristol, services of check cashing and tarahumara masters payday loan services firms. We are well positioned to take on mathematical finance the available market in Los Angeles California and other key cities in the United States of America and we are quite optimistic that we will meet our set target of generating enough income / profits from the first six month of operations and masters thesis grow the order resume now, business and our clientele base beyond Los Angeles to other cities all across the tarahumara, United States of America. We have been able to critically examine the check cashing and payday loan services market space and we have analyzed our chances in the industry and we have been able to come up with the following sales forecast.
The sales projections are based on information gathered on the field and some assumptions that are peculiar to startups in Los Angeles California. Below are the sales projections for Cash 24 – 7® Financial Services, LLC, it is based on the location of for kids our business and the wide range of check cashing and tarahumara masters payday loan services that we will be offering; N.B : This projection is done based on what is obtainable in the industry and with the term, assumption that there won’t be any major economic meltdown and natural disasters within the period stated above. There won’t be any major competitor offering same additional services as we do within same location. Please note that the above projection might be lower and at the same time it might be higher. Fixed prices and masters thesis commissions for services rendered is a long – time tradition in the industry. However, for some types of check cashing and payday loan services, flat fees make more sense because they allow clients to better predict service charge. As a result of resume online this, Cash 24 – 7® Financial Services, LLC will charge our clients a flat fee for many basic services such as providing payday loans for recurring expenses, providing payday loans for unexpected emergencies/expenses, providing check cashing services, providing payday loans for other reasons, loan servicing and thesis administration, cash handling and management services for businesses, money transmission servicing, selling money orders and traveler’s checks and safe deposit box renting et al. At Cash 24 – 7® Financial Services, LLC we will keep our fees below the average market rate for all of our clients by keeping our overhead low and by collecting payment in advance. In addition, we will also offer special discounted rates to individuals, start ups, nonprofits, cooperatives, and small social enterprises. We are aware that there are some clients that would need regular access to check cashing and payday services, we will offer flat rate for such services that will be tailored to take care of such clients’ needs.
The payment policy adopted by paper, Cash 24 – 7® Financial Services, LLC is all inclusive because we are quite aware that different customers prefer different payment options as it suits them but at the same time, we will ensure that we abide by the financial rules and regulation of the tarahumara, United States of civil rights term America. Here are the payment options that Cash 24 – 7® Financial Services, LLC will make available to her clients; Payment via bank transfer Payment with cash Payment via credit cards / Point of Sale Machines (POS Machines) Payment via online bank transfer Payment via check Payment via mobile money transfer Payment via bank draft. In view of the above, we have chosen banking platforms that will enable our client make payment for services rendered without any stress on their part. Our bank account numbers will be made available on our website and promotional materials to clients who may want to tarahumara, deposit cash or make online transfer for services rendered. Check Cashing Payday Loan Business Plan Publicity and Advertising Strategy. We have been able to work with our brand and thesis publicity consultants to help us map out publicity and advertising strategies that will help us walk our way into the heart of our target market. We are set to take the tarahumara thesis, check cashing and rights term payday loan services industry by masters, storm which is why we have made provisions for effective publicity and advertisement of music dissertations our check cashing and payday loan services firm. Below are the platforms we intend to tarahumara, leverage on to promote and advertise Cash 24 – 7® Financial Services, LLC; Place adverts on both print (community based newspapers and magazines) and electronic media platforms Sponsor relevant community based events / programs Leverage on thesis the internet and thesis social media platforms like; Instagram, Facebook, Twitter, YouTube, Google + et al to promote our brand Install our Bill Boards on strategic locations all around Los Angeles California Engage in road show from music database time to time to create awareness of our business Distribute our fliers and handbills in tarahumara thesis target areas Ensure that all our workers wear our branded shirts and all our vehicles are well branded with our company’s logo et al.
Check Cashing Payday Loan Business Plan Financial Projections and Costing. Starting a check cashing and payday loan services firm can be cost effective; this is database so because on tarahumara the average, you are not expected to acquire expensive machines and equipment. Basically, what you should be concerned about is the amount needed to secure a standard office facility in a good and order busy business district, the amount needed to furniture and equip the office, the amount to purchase the required software applications, the amount needed to pay bills, promote the business and tarahumara masters obtain the appropriate business license and certifications. This is the financial projection and about season costing for starting Cash 24 – 7® Financial Services, LLC; The total fee for incorporating the tarahumara masters thesis, business in the United States of America $750. The budget for basic insurance policy covers, permits and business license $2,500 The Amount needed to acquire a suitable Office facility in essay a business district 6 months (Re Construction of the facility inclusive) $100,000. The cost for equipping the office (computers, software applications, printers, fax machines, furniture, telephones, filing cabins, safety gadgets and electronics et al) $5,000 The cost for purchase of the required software applications (CRM software, Accounting and Bookkeeping software and Payroll software et al) $10,500 The Cost of Launching our official Website $600 Budget for tarahumara, paying at least three employees for mathematical finance, 3 months plus utility bills $10,000 Additional Expenditure (Business cards, Signage, Adverts and Promotions et al) $2,500 Miscellaneous: $1,000. Going by tarahumara thesis, the report from the market research and feasibility studies conducted, we will need over civil one hundred and fifty thousand ( 150,000 ) U.S. dollars to successfully set – up a small scale but standard check cashing and payday loan services firm in the United States of America. Please note that the tarahumara, salaries of resume now employees are included in the budget.
Generating Funds / Startup Capital for thesis, Cash 24 – 7® Financial Services, LLC. No matter how fantastic your business idea might be, if you don’t have the required money to winter season, finance the business, the business might not become a reality. No doubt raising start – up capital for a business might not come cheap, but it is a task that an entrepreneur must go through. Cash 24 – 7® Financial Services, LLC is a business that will be owned and managed by Michael Larry and his business partner Joel Evans. They are the sole financial of the firm, but may likely welcome partners later which is why they decided to restrict the sourcing of the start – up capital for the business to just three major sources. These are the tarahumara masters thesis, areas we intend generating our start up capital; Generate part of the start – up capital from personal savings Source for soft loans from music database family members and friends Apply for loan from my Bank. N.B: We have been able to generate about $50,000 (Personal savings $40,000 and soft loan from family members $10,000) and we are at the final stages of obtaining a loan facility of $100,000 from our bank. All the tarahumara masters, papers and document has been duly signed and submitted, the loan has been approved and any moment from now our account will be credited.
PAYDAY LOANS BUSINESS GROWTH: Sustainability and Expansion Strategy. The future of a business lies in the numbers of loyal customers that they have the capacity and competence of the employees, their investment strategy and the business structure. For Kids? If all of these factors are missing from a business (company), then it won’t be too long before the business close shop. One of our major goals of starting Cash 24 – 7® Financial Services, LLC is to build a business that will survive off its own cash flow without the need for injecting finance from external sources once the business is officially running. We know that one of the ways of gaining approval and winning customers over is to tarahumara thesis, offer our check cashing and music payday loan services a little bit cheaper than what is obtainable in the market and we are well prepared to survive on lower profit margin for a while.
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Frequently Asked Questions About Resumes: The Complete Job-Search Resume FAQ. by Katharine Hansen, Ph.D., and Randall S. Hansen, Ph.D. This article seeks to masters, be the complete compendium on the questions that job-seekers most often asked about binding resumes. In creating this Resume FAQ, we have created seven sections with a total of tarahumara masters, 55 of the most frequently asked questions about job-search resumes. Here’s how this Resume FAQ is divided for navigation ease: What is the essay on a for kids purpose of a resume? What are the tarahumara absolute, unbreakable rules of resume writing? What about “breakable rules” of resume writing? Do I need more than one version of on a day without, my resume? If I’ve never created a resume before, how do I get started? What are the most important aspects of tarahumara masters thesis, a resume, and how can I remember them?
What should be included on a resume? There’s nothing tricky about listing my name, is there? What if my name is hard to pronounce or it fails to clarify my gender? How should I list my address? What other contact information do I need? III. Elements to Sharpen a Resume’s Focus.
Why does a resume need to be sharply focused? How can you sharpen the focus of your resume? Should I include my career objective on my resume? What is a branding statement, and how is dissertations, it used in masters combination with a headline? What about a Profile, Skills Profile, Qualifications, or Strengths section? What are keywords and how should I use them in my resume?
What is the Resume Ingredients Rule? What kinds of Licenses or Certifications should I list? IV. Handling Education and Experience on Resumes. What goes first — education or experience? What should I always list under the Education section? What if I have no college degree, no four-year college degree, or did not attend college? Should my other major heading be “Employment” or “Experience?” Should the Experience section be further broken down into subsections?
How should my jobs be listed under the Experience section? Should I list company names first or job titles first? How should I list what I did in essay day without each job? How do I handle multiple jobs with the same employer? How far back should I go in masters my job history to avoid age discrimination? What if a former employer no longer exists or has changed its name? What are transferable skills, and what is their significance on a resume? How do I handle employment gaps? How can I avoid appearing to order, be a job-hopper? What if I have no paid experience?
Which transferable skills are most in masters thesis demand by employers? Why and how should accomplishments and dissertations database achievements be incorporated in the Experience section? What are Situation - Action - Results statements? What is the significance of quantifying on a resume? What is parallelism, and what is its significance on a resume? V. Other Resume Sections and Fine-Tuning Resume. What other sections could my resume include? Should I list Hobbies and thesis Interests?
Should I list References on my resume? How should I handle references? Should I use the line: “References available upon binding Request?” VI. Handling Special Resume Situations. How can I position myself for a career or industry change? How do I handle relocation?
As an entrepreneur transitioning back to the workplace, how can I make the most of my resume? How can I ensure my resume will be kept confidential? How many pages should my resume be? What are the thesis most important design elements for a resume? What kind of music, paper should I use?
How should I duplicate my resume? How should I mail my resume? How can I make sure I’ve covered all the bases with my resume? Should I hire a professional resume writer? To get a job interview. To structure the interview process. Masters Thesis. To remind the interviewer of on a day without, you after you’re gone. To serve as the basis for justifying the hiring decision to others. What are the absolute, unbreakable rules of resume writing? We believe there are only two absolute rules in masters thesis resume writing: These rules, however, are absolutes:
Almost every rule you have ever heard can be broken if you have a compelling reason. What about “breakable rules” of resume writing? Many of the breakable rules of resume relate to the length a resume should be; all breakable rules are covered in order online now other parts of tarahumara masters, this FAQ. Do I need more than one version of my resume? Most likely, yes. You may need more than one organizational format for music, your resume. See table below for masters thesis, the most common organizational formats. We include functional and chrono-functional formats because they can be used in extreme situations, but we recommend chronological resumes for most job-seekers. Purely functional resumes are the least common, least preferred by employers, detested by recruiters… and resume online most Internet job boards do not accept this resume format.
While the chrono-functional/hybrid/combination resume is thesis, slightly more acceptable to employers than the purely functional format, most employers are unaccustomed to functional formats of finance, any kind, finding them confusing, annoying, and a red flag that something is wrong in your background. At the very least, they will probably scrutinize a chrono-functional resume more closely to check for details and find the tarahumara flaws that inspired the candidate to use this format. Short Season. Some employers insist on knowing exactly what you did in each job. Recruiters/headhunters particularly disdain functional formats, so this approach should never be used if you are primarily targeting recruiters with your job search. Employers in conservative fields are not fans of functional formats, nor are international employers. Functional formats, even chrono-functional, also are not acceptable on many online job boards.
In summary, the chrono-functional resume has very limited uses for extreme cases of problematic or unusual job histories. If you feel you have no other choice than a chrono-functional resume, we recommend you enlist a professional resume writer to masters thesis, craft the resume into a viable marketing tool. You may need more than one delivery format for rights, your resume. See table below for the most common delivery formats. One additional delivery format to consider is a Portable Document Format (PDF) resume, which offers the tarahumara thesis advantages of being completely invulnerable to viruses and totally compatible across computer systems (requires software such as Adobe Acrobat Reader, a free download, to be opened and essay about winter season read). A resume converted to PDF, which carries a .pdf file extension, looks virtually identical to tarahumara masters, the original document from which it was created, thus preserving the resume’s visual appeal, and it also appears consistently from thesis computer to computer. Thesis. A few employers specifically request PDF resume files.
However, for resumes placed in employers’ Applicant Tracking Systems (which comprises most resumes submitted electronically) PDFs are problematic because “applicant tracking systems lack a standard way to structure PDF documents,” cautions Jon Ciampi, CEO of finance thesis, Preptel, a company that aims to help job-seekers penetrate these systems (as quoted in tarahumara masters thesis an article on CIO.com by Meridith Levinson). Read our article, Pros and Cons of PDF Resumes in Job-Search. For more about delivery methods, see our articles: If I’ve never created a resume before, how do I get started? Here are some suggestions for resources to get you started: Try the Inexpensive Resume Workbooks from the late Yana Parker. Mathematical. A resume wizard or template in Microsoft Word can be a useful starting point because it will prompt you to fill in appropriate information.
Once you’ve used a Word template to start your resume, it’s best to customize the layout and design. We have some issues with the way information is organized in these templates. Worse, so many job-seekers use these Word templates that they don’t stand out. Tarahumara. Use our Fundamentals of on a, a Good Chronological Resume as a basic template. Tarahumara. Get inspiration from dissertations database our collection of tarahumara thesis, more than 100 Free Sample Professional Resumes. If you’re really stuck, consider hiring a professional resume writer. What are the most important aspects of a resume, and how can I remember them? The most important things to remember about writing an on a day without for kids effective resume can be encapsulated in a six-letter acronym, FAKTSA, in which the letters stand for: What should be included on a resume? We offer lists of the items that you absolutely must include in your resume and a list of tarahumara thesis, optional items to consider including: Objective Statement (currently out of fashion; please click the preceding link to mathematical finance thesis, see what replaces the objectives statement) Headline and/or Branding Statement (often used instead of an tarahumara thesis Objective Statement); see more about career branding in our Career Branding Tutorial Professional Profile or Qualifications Summary (use this Professional Profile/Qualifications Summary Worksheet) Keyword Summary Licenses/Certifications Accomplishments/Achievements Transferable Skills Strengths Affiliations/Memberships Languages Foreign travel Presentations Publications Activities Hobbies/Interests Military The notation, “References available on request”
We also offer this list of items that should never be included on a resume: Height, weight, age, date of birth, place of birth, marital status, sex, race, health, social security number (except on an International Resume/CV) Reasons for leaving previous job(s) Name of boss or supervisor Street addresses and phone numbers of past employers (city and state is sufficient) Picture of yourself Salary information Specific names of references (more on mathematical finance this issue later) The title “Resume” Religion, church affiliations, political or other controversial affiliations: Any disclosure on your resume that could get you screened out as a candidate is risky. Tarahumara Thesis. You may take the stance that you don’t want to work for mathematical, an employer that would eliminate you because a hiring manager didn’t like your political beliefs or religious affiliation. But given that, for most candidates, religion, politics, and any other controversial affiliations are not relevant to your next job, it’s wise to masters thesis, leave them out. There’s nothing tricky about listing my name, is there? Use the name by which you are known professionally. If you go by your middle name, for binding bristol, example, you can list your name one of these ways: The same goes for nicknames. Keep in mind that some nicknames don’t exactly project professionalism, but if you are universally known by your nickname, you may want to tarahumara masters thesis, list yourself that way on your resume. With your name, list also any professional credentials (M.D., CPA, Ph.D.) that are integral to the job you seek.
What if my name is hard to day without, pronounce or it fails to clarify my gender? This issue isn’t as silly as it seems. Even if you’re well qualified, an employer may hesitate to phone you for an interview if he or she can’t pronounce your name or even doesn’t know whether to expect a male or female. For the difficult-to-pronounce name, include a phonetic pronunciation of your name in small type in masters thesis the “letterhead” portion of your resume. Music Dissertations Database. Example: “Sally Hsieh (pronounced ‘Shay’).” For a unisex name, such as Lee or Dale, consider adding a courtesy title to your letterhead, as in thesis “Ms. Lee Anderson” or “Mr. Dale Burns.” Especially consider adding a courtesy title if your name is almost always thought of music, as belonging to tarahumara thesis, the opposite gender or if it is order, a non-English name, and English-speakers would not know whether to expect a man or a woman: “Ms. Michael Crane” “Mr. Masters Thesis. Jocelyn Smith.” You could also include a middle name that reveals your gender: “Lee Ann Anderson” or “Dale Robert Burns.” Of course, you may consider your ambiguously gendered name an advantage and prefer not to short about winter, reveal your gender (even though your gender will become obvious if you’re called for tarahumara masters thesis, an interview). List your permanent address Most college students give both a college address and permanent address.
*What other contact information do I need? While job-seekers were once advised to include as much contact information as possible, the emerging trend for contact information on day without for kids a resume is to include a Website address/URL, city and tarahumara masters thesis state only short winter season, (no street address), a single phone number (no second/third number, no fax number), and a single email address, says Findings of masters thesis, 2011 Global Career Brainstorming Day: Trends for the Now, the New the binding bristol Next in Careers , published by the Career Thought Leaders Consortium. Make sure your email address is professional. You may also want to thesis, include links to online profiles, such as on order now Facebook, Twitter, and LinkedIn. If you do, however, ensure that your profiles are squeaky clean, with no content or photos that shed a negative light on masters thesis you. If you are in serious job-hunting mode and employers who call your phone are likely to mathematical finance thesis, get voicemail, make sure your voicemail greeting is professional.
III. Masters. Elements to Sharpen a Resume’s Focus. Why does a resume need to be sharply focused? The reader needs to be able to finance, tell in a quick glance what you want to do and what you would be good at. A recent study indicates that the thesis reader will spend as few as 6 seconds screening your resume, so you need to focus the reader’s attention quickly. How can you sharpen the focus of your resume? Use a branding statement or headline or both atop your resume. Add a profile/qualifications summary with keywords relevant to the job you seek. Add a keyword section relevant to the job you seek. See our Resume Keywords Worksheet. Resume Online Now. Beef up portrayal of accomplishments and transferable skills.
Be sure to thesis, spotlight skills that apply to what you want to do next. Thesis. See our Accomplishments Worksheet and tarahumara Transferable Skills Worksheet. Cover Letter and Resume Customization Worksheet to help you sharpen your focus. For college students and new grads: Consider adding class projects in your major (or other classes) that are applicable to what you want to do upon graduation. Day Without For Kids. See our College Experience Worksheet for Resume Development. Should I include my career objective on my resume?
Objective Statements have fallen out of favor. Many employers and recruiters claim they don’t even read them. Masters. That’s because most objective statements are badly written, self-serving, too vague, and not designed to order resume, do what they’re supposed to tarahumara, do, which is to sharpen a resume’s focus. What is a branding statement, and how is it used in combination with a headline? A “headline” atop your resume usually identifies the thesis position or type of job you seek. A branding statement is a punchy “ad-like” statement that tells immediately what you can bring to an employer. A branding statement defines who you are, your promise of value, and why you should be sought out. Tarahumara Masters. Your branding statement should encapsulate your reputation, showcase what sets you apart from others, and describe the added value you bring to a situation. Think of finance, it as a sales pitch.
Integrate these elements into the brief synopsis that is your branding statement: What makes you different? What qualities or characteristics make you distinctive? What have you accomplished? What is your most noteworthy personal trait? What benefits (problems solved) do you offer? See a good discussion of branding statements and masters thesis headlines, with samples, starting in this section of order resume, our free e-book, The Quintessential Guide to Words to tarahumara masters, Get Hired By . What about a Profile, Skills Profile, Qualifications, or Resume Strengths section? Whether or not you choose to include an objective statement, branding statement, and/or headline on short about winter your resume, you may wish to present a Qualifications Summary or Profile section. In addition to Profile and masters thesis Qualifications Summary, these resume-topping sections go by numerous names: Career Summary, Summary, Executive Summary, Professional Profile, Qualifications, Strengths, Skills, Key Skills, Skills Summary, Summary of Qualifications, Background Summary, Professional Summary, Highlights of Qualifications. All of these headings are acceptable, but our favorite is Professional Profile.
Twenty-five years ago, a Profile or Summary section was somewhat unusual on a resume. Career experts trace the short essay season use of summaries or profiles to tarahumara thesis, include information about candidates’ qualities beyond their credentials to the publication of the late Yana Parker’s The Damn Good Resume Guide in 1983. For the last 20-plus years, resume writers have routinely included these sections; however, the rights paper age of electronic submissions has now caused the pendulum to swing the other way. On one hand, electronic submission means that hiring decision-makers are inundated and overwhelmed with resumes and have less time than ever before to masters thesis, peruse each document. Online Now. That means that many of them do not read Profile or Summary sections. On the masters other hand, the age of electronic submissions has increased the importance of keywords so that candidates can be found in essay on a day without database searches. Masters Thesis. Even some of the hiring decision-makers who don’t read Profiles and Summaries advise including them as a way to ensure sufficient keywords in database the resume. A vocal contingent of decision-makers, especially among recruiters, strongly advocate for a Summary section — but one that is quite succinct — a short paragraph or single bullet point.
They want to see in a nutshell who you are and what you can contribute. Use our Resume Professional Profile/Qualifications Summary Worksheet to help you develop bullet points for this very important resume section. What are keywords and how should I use them in my resume? Inundated by resumes from job-seekers, employers have increasingly relied on digitizing resumes, placing those resumes in keyword-searchable databases, and using software to search those databases for specific keywords that relate to job vacancies. Most Fortune 1000 companies, in fact, and many smaller companies now use these technologies. In addition, many employers search the databases of third-party job-posting and resume-posting boards on the Internet. Tarahumara. It is safe to estimate that well over music dissertations database 90 percent of resumes are searched for job-specific keywords. The bottom line is that if you apply for a job with a company that searches databases for masters, keywords, and your resume doesn’t have the keywords the company seeks for the person who fills that job, you are pretty much dead in the water. To some extent, job-seekers have no way of knowing what the words are that employers are looking for when they search resume databases. But job-seekers have information and a number of tools at their disposal that can help them make educated guesses as to which keywords the employer is looking for. See a detailed discussion of resume keywords and how to identify them in our article, Tapping the Power of on a day without electricity for kids, Keywords to tarahumara thesis, Enhance Your Resume’s Effectiveness and use our Keywords Worksheet to help identify keywords for use in essay winter season your resume.
What is the Resume Ingredients Rule? Note: From author Donald Asher. Organize the thesis information on order resume online now your resume in accordance with your desired impact on the reader. This rule should govern which information you present and tarahumara masters the order in which you present it. That’s why you always list your work experience in thesis binding REVERSE chronological order — because your most important and applicable jobs are likely to be the most recent. You don’t want the first thing that the tarahumara thesis employer sees to binding bristol, be bagboy at the supermarket or waitress if you’ve had more important and thesis relevant jobs. What kinds of Licenses or Certifications should I list?
Any that are relevant to essay day without electricity for kids, the job you seek. IV. Handling Education and Experience on Resumes. What goes first — education or experience? It depends on whether your degree or your experience is masters, your best selling point. Essay Winter Season. Always list the most relevant section first… If you are a current college student or about to masters, graduate, generally list education first. If you are currently working, generally list experience first. A good cutoff point for moving your Experience section to the forefront of your resume is a year to 18 months after graduation. What should I always list under the Education section?
If you have multiple degrees, list the now most recent first. For each degree, ALWAYS list NAME of your degree FIRST. Include your college name, city, and state Include major(s) and usually minor(s) Include graduation date (or expected graduation): Month/Year. Once you’ve been out of school a year or so, you can omit the month. Consider omitting the masters thesis graduation date altogether if you are a mature job-seeker de-emphasizing your age. Special note to college students and new graduates: At this point in the FAQ, you may wish to music dissertations database, take a side trip to tarahumara thesis, our special Frequently Asked Resume Questions for College Students and New Graduates. What if I have no college degree, no four-year college degree, or did not attend college? If you have at finance thesis, least some college, list it. List an associate’s degree or incomplete studies toward a bachelor’s degree. For the incomplete degree, list the college, major, location, span of dates you attended, and, ideally, number of masters, credit-hours completed.
Your listing of an associate’s degree, incomplete bachelor’s degree, or no college at all should be beefed up with any training, professional-development, and certificate programs. Music Database. In the unlikely event that you have absolutely none of tarahumara masters thesis, these, leave off the Education section. Some employers (and most recruiters) will screen you out, but if you have succeeded in the past without educational credentials, your professional accomplishments will likely be enough to rights, propel you to an interview. Should my other major heading be “Employment” or “Experience?” Experience, because that heading enables you to list activities other than paid employment, such as volunteer work, internships, sports-team participation, and class projects. Should the masters thesis Experience section be further broken down into subsections? While a resume can sometimes include subsections, such as Relevant (or Professional) Experience and Other Experience, we find it confusing when resumes, especially those of college students, list multiple types of order resume, experience — internship experience, volunteer experience, extracurricular experience, leadership experience, etc. How should my jobs be listed under the Experience section? List information in this order: Job title; Job subheadings should include name of company, city, and state (Do NOT include street addresses, names of supervisors, contact telephone numbers, or other extraneous data.); Dates of employment (include month or seasonal descriptor and year); Bulleted list of key accomplishments (more to come on masters this subject); Company description (optional; often sought by recruiters and employers of dissertations, senior-level job-seekers). Reporting relationships — title of person you reported to and titles and departments that reported to you (optional; often sought by recruiters and employers of senior-level job-seekers).
Should I list company names first or job titles first? Generally, list job title first unless you are trying to call attention to the name of tarahumara masters, prominent companies for which you’ve worked. (Example: If you plan to enter the dissertations tourism industry, and tarahumara you’ve had internships at Disney World, Sea World, and Universal Studios, you could list company names first). Building Tools That Build Better Work Lives. Since 2005, LiveCareer’s team of career coaches, certified resume writers, and short essay savvy technologists have been developing career tools that have helped over tarahumara 10 million users build stronger resumes, write more persuasive cover letters, and develop better interview skills. Use our free samples, templates, and writing guides and our easy-to-use resume builder software to help land the job you want. Dr. Randall S. Hansen. Dr. Civil Rights Term Paper. Randall S. Hansen is tarahumara, founder of Quintessential Careers, one of the oldest and most comprehensive career development sites on short essay winter season the Web, as well CEO of EmpoweringSites.com. He is also founder of MyCollegeSuccessStory.com and tarahumara thesis EnhanceMyVocabulary.com. Essay Electricity For Kids. He is masters thesis, publisher of Quintessential Careers Press, including the binding bristol Quintessential Careers electronic newsletter, QuintZine.
Dr. Masters. Hansen is music dissertations, also a published author, with several books, chapters in masters books, and mathematical finance hundreds of thesis, articles. He’s often quoted in the media and conducts empowering workshops around the country. Finally, Dr. Hansen is rights term, also an educator, having taught at the college level for more than 15 years. Visit his personal Website or reach him by email at [email protected] Check out tarahumara thesis Dr. Dissertations. Hansen on GooglePlus. Katharine Hansen, Ph.D., creative director and tarahumara thesis associate publisher of Quintessential Careers, is an educator, author, and blogger who provides content for Quintessential Careers, edits QuintZine, an electronic newsletter for jobseekers, and essay electricity blogs about storytelling in the job search at tarahumara masters, A Storied Career. Katharine, who earned her PhD in organizational behavior from Union Institute University, Cincinnati, OH, is author of Dynamic Cover Letters for music dissertations database, New Graduates and A Foot in the Door: Networking Your Way into tarahumara masters the Hidden Job Market (both published by Ten Speed Press), as well as Top Notch Executive Resumes (Career Press); and with Randall S. Hansen, Ph.D., Dynamic Cover Letters, Write Your Way to a Higher GPA (Ten Speed), and The Complete Idiot’s Guide to Study Skills (Alpha). Visit her personal Website or reach her by e-mail at order resume now, [email protected]
Check out masters thesis Dr. Resume Now. Hansen on GooglePlus. I AM A CAREER CHANGER This page is your key source for all things career-change related. You’ll find some great free career-change tools and resources. Changing careers can be traumatic, especially if you have been in your current career for a long time, but you do not have to go through the tarahumara masters process alone or  Quintessential Careers: Career and database Job-Hunting Blog. Quintessential Careers: Career and Job-Hunting Blog Career and job-search news, trends, and scoops for job-seekers, compiled by the staff of Quintessential Careers.The Quintessential Careers Blog has moved!! These pages remain as an archive of our previous blog posts. Please check out the new and improved Quintessential Careers Blog for Job-Seekers and Careerists. Interview Advice Job 
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How useful are complete blood count and reticulocyte reports to clinicians in tarahumara, Addis Ababa hospitals, Ethiopia? * Corresponding author: Misganaw Birhaneselassie [email protected] 1 Department of Medical Laboratory Sciences, Hawassa University College of essay electricity, Medicine and Health Science, Hawassa, Ethiopia. 2 School of Medical Laboratory Science, Addis Ababa University College of Health Science, Addis Ababa, Ethiopia. 3 Department of Internal Medicine, Addis Ababa University Medical Faculty, Addis Ababa, Ethiopia. For all author emails, please log on. BMC Hematology 2013, 13 :11 doi:10.1186/2052-1839-13-11. The electronic version of this article is the complete one and tarahumara masters thesis can be found online at: http://www.biomedcentral.com/2052-1839/13/11.
2013 Birhaneselassie et al.; licensee BioMed Central Ltd. This is an open access article distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/licenses/by/2.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is about winter, properly cited. Complete blood count (CBC) and thesis reticulocyte (Retics) are routine hematology tests useful for the differential diagnosis of season, anemia and other medical conditions. Tarahumara Masters! However, it has been presumed that they are not used as regular as they should be in thesis, medical practice in tarahumara, Addis Ababa hospitals. A hospital-based cross-sectional questionnaire survey was conducted during November-December 2010, in which 408 clinicians participated and their response on the use of resume now, CBC and Retics was assessed. The always/frequently (A/F) response was considered to tarahumara masters reflect routine use of the CBC/Retics parameters by thesis the clinicians.
The Chi square test was used to tarahumara masters study statistical associations among different variables. Only four of 13 parameters in civil rights, CBC were frequently or always used by more than 85% of the clinicians. Tarahumara Masters! Health Officers were observed to civil use 12 of the 13 CBC parameters less than the other professional group; interns and tarahumara thesis residents demonstrated highest use of CBC results. More than a third of clinicians’ preferred white blood cell (WBC) differential report in percentages than the more useful absolute number report. Reticulocyte parameters were not being used by majority of clinicians in mathematical finance thesis, patient management. Clinicians rated ‘average’ regarding the adequacy of clinical laboratory methods course they took during medical education. As service users, clinicians indicated mm 3 as unit of preference in cell count on the laboratory report form. Overall, most clinicians do not use much of the data provided on routine CBC report.
Additional research is needed to understand the tarahumara masters thesis issue further. Responsible bodies should promote the appropriate use of CBC/Retics reports by clinicians. Clinical information obtained from laboratory tests play a key role in dissertations, the diagnosis and management of patients . A number of studies have shown that although physicians commonly request laboratory tests, they tend to masters use them for the wrong purposes, and term ignore or misinterpret the results; such improper utilization and tarahumara masters interpretation have obvious implications for the quality of patient care, and music the economy as a whole [2,3]. The complete blood count (CBC) and reticulocyte (Retics) parameters are hematologic tests essential in tarahumara masters, the diagnostic workup of a broad variety of rights term paper, clinical conditions, mainly in the differential diagnosis of anemia and tarahumara masters related disorders  which are commonly seen in Addis Ababa hospitals . A study on women of reproductive age in Ethiopia reported that the essay leading causes of anemia are iron and masters thesis vitamin B12 deficiency and chronic infections . Clinicians do not always use objective data effectively, and the practice can potentially lead to increases in care costs as well as mortality and morbidity . However, it is possible to correct flawed decision making due to inappropriate data utilization by a variety of approaches such as improving the laboratory form design, clinicians’ education in laboratory based course, and implementing feedbacks from clinicians [3,7,8]. In Ethiopia no documented data exists regarding the use and thesis binding interpretation of hematological parameters in clinical practice.
In addition, feedback of physicians on appropriateness of the CBC report design and the educational background of clinicians in thesis, laboratory based course has not been studied. This study aims at ascertaining the extent of short essay about winter season, use of CBC/Retics results, and feedback of clinicians on CBC in Addis Ababa hospitals. A cross-sectional, questionnaire-based survey was conducted in Addis Ababa hospitals in November and tarahumara masters December 2010. Clinicians involved in the diagnosis and treatment of patients in mathematical thesis, Addis Ababa hospitals, including interns, residents, health officers (*HO), general practitioners (GP), and masters specialists participated in the survey . Self administered questionnaires were sent to the medical director or administrative body of each hospital, and clinicians were asked to provide their feedback. [*HO: Health Officers in Ethiopia are medical graduates who undertake promotive, preventive, curative and rehabilitative services compatible to the needs of the population; are public health oriented and have less years of thesis, training than medical doctors]. The questionnaire used in the survey asked physicians to rate the frequency of use of each component of the CBC/differential and reticulocyte reports for patient management. Masters! Items included in a CBC test report were white blood cell count (WBC), WBC differential, hemoglobin (HGB), hematocrit (HCT), red blood cell (RBC) count, mean cell volume (MCV), mean cell hemoglobin (MCH), mean cell hemoglobin concentration (MCHC), red cell distribution (RDW), platelet (PLT) count, mean platelet volume (MPV), platelet distribution width (PDW) and morphologic comments on RBC and WBC. [Various automated hematology analyzers of different manufacturers are used in Addis hospitals: Cell Dyn 1800 and order Sysmex are used commonly for CBC; Abbot Cell Dyn 3200, Beckman Coulter LH 500 and Sysmex - 2000 x i are used for CBC and Retics].
As a strategy, clinicians use the facility of other private or central laboratory services whenever they require an essential test. Reticulocyte reports included were the reticulocyte percentage, reticulocyte absolute count, reticulocyte production index (RPI) and the corrected reticulocyte count. Five response options (Always, Frequently, Sometimes, Rarely, and Never) were used to rate use of CBC/Retics parameters. The always/frequently response was considered to be adequate or to reflect routine use of the CBC/Retics parameter by the clinicians. Physicians were also asked to indicate their preferences of differential reports either in percent, absolute count or both, and provide their opinion about the amount of data contained in the CBC reports (too little, too much, or just right), and preferred unit of measurement in cell count. Clinicians also provided their feedback on the adequacy of the clinical laboratory methods course (CLM) during their medical training. The Chi Square test was used to determine statistically significant association between groups.
SPSS statistical package version 17 was used for data analysis. The study proposal was defended in the school of tarahumara thesis, Medical Laboratory Sciences and approved by essay day without electricity for kids the Institutional Review Board (IRB) of thesis, Addis Ababa University, School of Medicine. The Addis Ababa Health Bureau, the civil term administration and the Medical Director Office of the masters hospitals were requested for permission and cooperation to conduct the survey. Individual consent was obtained from all participants. The survey assessed the frequency of use of CBC and reticulocyte reports by civil paper a total of tarahumara thesis, 408 clinicians from 34 public and private hospitals in music dissertations, Addis Ababa. The response rate was 100%. Majority of the respondents were GPs and specialists with clinical experience of less than 5 years (Table 1). Table 1. Distribution of study participants in Addis Ababa hospitals, from Nov 2010-Dec 2010.
Only 4 of the 13 parameters in masters thesis, the CBC (hemoglobin, haematocrit, WBC count, and WBC differential) were frequently or always used by more than 85% of the order resume online physicians (Table 2). Three parameters were never or rarely used by the majority of tarahumara thesis, clinicians, namely: RDW (67%), PDW (70%) and MPV (68%). Mathematical Thesis! Interns and resident doctors used most of the CBC parameters more frequently than the other professional categories. HO’s showed lesser ratings to more component of the masters CBC (12/13) than the other professional group. Table 2. Rate of use of CBC parameters by profession in essay on a electricity for kids, Addis Ababa hospitals Nov 2010-Dec 2010.
WBC differential was reported to be used always or frequently by 90% of the clinicians. Masters! Slightly less than half of the clinicians (46%) preferred WBC differential to be reported in absolute numbers and percentages, 39% in percentages only and 15% in absolute numbers only. Some of CBC parameters have significant association among the professional group: RBC (p 0.001), MCV (p 0.001), MCH (p 0.001), PLT (p 0.001), MCHC (P 0.01) and RDW (p 0.05). There is also significant association among the specialties and use of RBC (p 0.01), MCHC (P 0.05), and MCV, MCH (p 0.001). Internists highly rated use of order online, CBC parameters than the other specialist counterpart (Table 3). Table 3. Rate of use of CBC parameters by specialty in Addis Ababa hospitals, Nov 2010-Dec 2010 (N = 120) Most clinicians rated use of reticulocyte parameters, rarely or never.
Out of the clinicians who use the parameter, 52% preferred to tarahumara receive the thesis reports as percentages while 41% preferred absolute numbers (Table 4). Table 4. Rate of use of reticulocyte parameters by clinicians in Addis Ababa hospitals, Nov 2010-Dec 2010 (n = 408) Feedback of tarahumara masters, clinicians and adequacy of CLM course. Majority of the clinicians preferred mm 3 as units of measurement of cell count. Regarding the amount of data on the CBC laboratory report, most (66%) of the clinicians reported it is day without electricity for kids, ‘just right’; 11% of them responded as ‘too little’ . Clinicians also expressed their opinion on the adequacy of CLM course in medical education; and the majority (61%), reported average satisfaction (Table 5).
Table 5. Masters! Feedback of clinicians in Addis Ababa hospitals on CBC and database adequacy of CLM course from tarahumara thesis, Nov 2010-Dec 2010. This study showed that the use of CBC and binding reticulocyte results for clinical decision making in patient management in Addis Ababa hospitals was inadequate. The study also identified several patterns of CBC/Retics use that might help in the design of computerized laboratory reports and laboratory information system (LIS) in Ethiopia. The red cell indices: The study indicated that HCT and HGB were the most frequently used red cell measurements by the majority of clinicians. Contrarily, almost half of the clinicians do not frequently use RBC count. Other studies have also reported that RBC count is not used commonly in decision making . MCV, MCH, MCHC and RDW are important in the differential diagnosis of anemia. In this survey it was found that the masters thesis use of civil rights term, MCH and MCHC was low similarly in other studies [4,10]. MCV is regarded as the single most useful and critical erythrocyte index in the evaluation of anemia [9,10].
Nevertheless, this survey revealed that only a third of the clinicians used this key parameter frequently in the classification of anemia. Tarahumara Thesis! It is a daily practice to treat anemia in Addis Ababa hospitals , and despite the fact that the mathematical thesis first step in approaching anemia is to classify the process as microcytic, normocytic or macrocytic using this valuable diagnostic tool, clinicians in Addis Ababa have differently very low use of the MCV [4,10]. RDW was found to be used even much less frequently compared with other red cell indices. In another study, it has been shown that the majority of the clinicians  reported to use RDW always or frequently; however, it has been also reported that RDW is a largely overlooked parameter . Among the masters professionals, interns and residents demonstrated a highest rate of on a electricity for kids, use which is assumed more of superfluous [7,12]. MCV was rated to be used by 38% of Specialists 28% of GPs and 16% of HOs. RDW was reported to tarahumara masters thesis be used highest by specialists (15%) GPs (11%) HOs (2%). This difference can be because specialists are geared to look for differential diagnoses; which orient them toward laboratory workups  than GPs and HOs [13,14]. Moreover, MCV was used more frequently in internal medicine departments as internists tend to treat more cases of anemia and other internal disorders compared to specialists in other categories.
Obtaining a peripheral blood smear (PBS) during the initial evaluation of anemia has been recommended by other researchers as it gives additional clues from morphologic features of RBC and WBCs which substantially enhances the initial process of differential diagnosis and provides guidance for further testing . This survey found only 19% of the clinicians use RBC morphology in most of the dissertations cases, while the Sandhaus study found 52% of the tarahumara clinicians use RBC morphology always and frequently for now, anemia diagnosis and differentiation . The present survey indicated that the MPV and PDW are perceived by tarahumara masters clinicians as the least useful index. Only less than 10% of the clinicians reported that they use the MPV or PDW frequently or always in medical practice. In spite of the clinical benefits of paper, platelet parameters, the contribution of the masters thesis MPV and PDW to rights term paper clinical practice in Addis Ababa hospitals was low. WBC count, WBC differential and tarahumara masters thesis unit of reporting. The data from the survey showed 93% of clinicians use the WBC count in most of the essay about winter cases. Likewise, 90% of the clinicians use the WBC differential mostly in medical practice. In WBC differential report, absolute reports are more explanatory and useful than percentage count. The present study showed that more than a third of the clinicians prefer percentages of WBC differential than the more useful absolute numbers. This indicates that a significant number of the clinicians interpret differential reports incorrectly, and may not be obtaining the valuable information required, which could mislead diagnosis.
The use of the reticulocyte parameter in Addis Ababa hospitals is quite low. Lack of hematology analyzers that perform both CBC and Retics in most hospitals can largely limit Retics use; yet as a strategy clinicians could use extra laboratory services when additional investigations are required. Tarahumara Masters! The use of binding bristol, reticulocyte count as percentage and absolute unit assessed from the frequency of use of masters, reticulocyte parameter indicated that slightly more than half of the finance clinicians claimed to use reticulocyte count in thesis, percentage units. Reticulocyte count is used more by internists among the specialty (data not shown). Feedback of clinicians on complete blood count. Units of measurement: Cell counts such as RBC, PLT and finance WBC can be reported per mm 3 , per ?L, or per L. This study showed that most of the clinicians prefer cell count to be reported in mm 3 unit. This implies that emphasis should be given in the reporting systems during medical training thus clinicians are well acquainted with the use of the international standard (SI) measurement units [15,16]. Most clinicians suggested the amount of data in the hematology CBC report was just right. Only about one in ten respondents mentioned that the amount of data was inadequate and most of these were internists. This phenomenon was also reflected in internists’ frequent use of reticulocyte reports, which further suggests that there is a need for additional laboratory tests for use by a segment of medical specialties (internists).
Although more dozens of hematology parameters useful for patient management are not part of the CBC reports of Addis Ababa hospitals, majority of the clinicians are satisfied with the limited CBC parameters available from the common hematology analyzers. Masters Thesis! In fact use of more advanced parameters parallels expansion of the health standard and service within the country. Clinical laboratory methods course. The results of online now, this study indicated that most clinicians were not satisfied with the quality of their CLM course, although more than a quarter rated it as ‘excellent’ or ‘very good’. This shows that there is room for improvement in the course, both in terms of tarahumara thesis, quality and quantity of materials covered. CBC/reticulocyte parameters are important hematological tests used routinely in clinical decision making mainly in relation to anemia and music dissertations blood disorders. However, the use of CBC/Retics parameters in the clinicians surveyed in Addis Ababa hospitals is found to be inadequate. The study suggested that laboratory based medical course (CLM), and content of a CBC report form contributed to the low use rate of tarahumara, these parameters. Responsible bodies should intervene and promote adequate use of CBC/Retics parameters in medical practice.
Further research is bristol, needed to identify the main causes of the low use rate of CBC/Retics reports by clinicians. The authors declare that they have no competing interests. MB was the principal investigator for the study; MB, AB, AG and AT contributed to tarahumara the design of the study. MB carried out the data collection; AB and AT supervised data collection; MB, AG and now AT interpreted the result; all authors approved the final manuscript. Our special thanks go to Dr. Tamer Abdelrahman and Dr. Tarahumara! Eskindir Loha for essay winter season, their valuable contribution in tarahumara thesis, the statistical analysis of the research. We would like to thank the School of Graduate Studies, Addis Ababa University for financial support of the study.
We also acknowledge the clinicians participated in the survey. Wong ET: Improving laboratory testing: can we get physicians to focus on outcome? Jackson BR: Managing laboratory test use: principles and tools. van Walraven C, Goel V, Chan B: Effect of essay on a day without, population-based interventions on laboratory utilization: a time-series analysis. Tefferi A, Hanson CA, Inwards DJ: How to interpret and pursue an abnormal complete blood cell count in adults. Haidar JA, Pobocik RS: Iron deficiency anemia is tarahumara masters thesis, not a rare problem among women of reproductive ages in Ethiopia: a community based cross sectional study. Altshuler CH: Data utilization, not data acquisition, is the main problem. Peterson SE, Rodin AE: Prudent laboratory usage, cost containment, and high quality medical care: are they compatible? Wilson ML: Educating medical students in essay about winter, laboratory medicine.
Ward PC: The CBC at the turn of the millennium: an overview. Sandhaus LM, Meyer P: How useful are CBC and reticulocyte reports to masters thesis clinicians? Perlstein TS, Weuve J, Pfeffer MA, Beckman JA: Red blood cell distribution width and mortality risk in essay on a day without electricity for kids, a community-based prospective cohort. Moskowitz MA: A clinician's view of laboratory utilization. Federal Ministry of Education and Ministry of Health of Ethiopia: Curriculum for thesis, generic and post basic accelerated health officers training program . Addis Ababa, Ethiopia: Federal Ministry of rights paper, Education and Ministry of tarahumara thesis, Health of Ethiopia; 2005. Mozes B, Haimi-Cohen Y, Halkin H: Yield of the admission complete blood count in medical inpatients. Rempher KJ, Little J: Assessment of red blood cell and coagulation laboratory data. Young DS: Implementation of SI unit for clinical laboratory data. The pre-publication history for civil rights term, this paper can be accessed here: 2017 BioMed Central Ltd unless otherwise stated.
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