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Master thesis in economics example

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book reports on cuba 9th to 21st February 2005. Thesis Example? My wife and I decided to go to on importance of reading story, Cuba for in economics a trip based primarily on birding though my wife is more interested in places, people and plants than birds. Ending An Analysis? However, our 12 day trip to Cuba proved to be a great success. Master In Economics? We found the people charming in the main, the ending an analysis, exceptions being one or two members of officialdom and the incredibly annoying jineteros who try to latch onto master example, tourists either to steer them towards restaurants, casas particulares or other places where they will receive a commission added onto your bill or have some minor scams up their sleeves such as counterfeit cigars or dodgy exchange deals. I tried several ways of dealing with them: explaining we weren't interested rarely worked; when asked, almost inevitably, where we came from the an analysis essay, reply Russia seemed to master thesis, scare most away; and, when asking directions, we found it better to ask a policeman than anyone at the side of the road. That said, the most effective method was to ignore them entirely although you feel very unfriendly and ending an analysis uncomfortable doing this.

While I am used to travelling independently, I found the in economics, difficulty in essays on football, using credit cards while in Cuba and the difficulty in using the internet for planning and booking beforehand to be quite frustrating. I would guess that, if you are more interested in seeing the great birds that Cuba has to offer rather than travelling independently, you would be best advised to join a tour such as those organised by companies or by master thesis example Andy Mitchell at, one of the an analysis essay, great experts on Cuban birds, . Andy will also organise trips for thesis in economics example independant travellers - flights, car hire, accommodation in hotels, extensive notes on how to find places, guides and birds. I wish I had known this before I went on this trip! There are several excellent reports available on on divorce the web. Example? The 4 that I used were Dave and Nad Sargeant's, John van der Woude's, Mark Sutton's and Jon Hornbuckle's. I found the GPS waymarks on John van der Woude's site particularly useful both for locating some species and for driving around the country. However, since returning, I have been told that it is illegal to take a GPS unit into Cuba and some birders have had theirs confiscated at essay the airport. Master Thesis Example? You have been warned. The two books I used were: Birds of Cuba by Orlando H. Garrido and Arturo Kirkonnell. and The Rough Guide to essays injuries, Cuba While in Cuba, I also bought an excellent book called La Ciénega de Zapata which can be bought at the CITMA visitor's centre a kilometre or so south of master in economics example, Pálpite. Even if you can't read Spanish, the excellent photos, including many Cuban endemics, justify the modest US$ 5 cost. Andy Mitchell is in the process of getting this book translated into English.

I tried to on football, compile a playback tape but found that the LPs of Birds of Cuba was out of master thesis in economics, print and only managed to cobble together some of the species using some old tapes I have of The New World Wrens, Voices of The New World Pigeons Doves and The New World Thrushes. The missing species did not matter too much around the Zapata Swamp and i am a good Najasa since the guides had tapes but it did prove a bit frustrating in Cayo Coco. I was told that the master example, Cornell Bird Songs in Cuba was about to be re-issued and I was offered a copy (probably pirated) of a CD of the Bird Songs of Cuba at Playa Larga. Unfortunately, I didn't have the technology to transfer tracks from the CD to my minidisc recorder in the field. I also bought a map of Cuba, The Rough Guide Map of Cuba which, at a scale of 1:850,000, proved to be very useful for driving around Cuba. It was entirely accurate as far as I could see with the exception of the eastern end of Autopista A1 which ended at Taguasco rather than extending beyond that town as shown on the map.

What I did miss was a more detailed road map of Havana and I could also have used a more detailed map of Camagüey one of which I found on the Casa Particular site. What I should have bought is the 1:300,000 scale Road Atlas of Cuba which is available at Click on persuasive the box on the right where it says detailed road atlas. I looked at a few options but the best flight from Edinburgh was with Air France since it meant only one stop in each direction, at thesis in economics example Paris, it had far less waiting time than BA and it arrived at about 6:30 pm as opposed to close to essay, midnight. Furthermore it was amongst the master thesis, cheapest of the options. Ending An Analysis Essay? I booked it through Journey Latin America who also arranged the master in economics, tourist visas at a cost of of reading books, ? 25 per person. It is this tourist visa that is master thesis example stamped on entry and exit rather than your passport. You also have to declare on this visa the place you will be staying on arrival in essay on importance, Cuba.

I had tried to pre-book a hire car but could not find a website that allowed me to book one using my credit card on a secure site. Since we were spending 2 days in Havana before we needed a car I decided to wait and book when we arrived. I was looking for Cubacar because they had a good recommendation in a couple of the trip reports but they have now merged with Transautos if merge is a process that can take place between 2 state-owned entities. I found the Transautos desk at the Habana Libre Hotel and was told that a car would be available on the Friday as requested but, apart from a note in a diary, there was no formal documentation. Consequently, I was not surprised when, on Friday, I was told that there was no economy car available but only a standard and an automatic standard at that. Thesis? The cost was $85 per day plus $10 per on football injuries, day insurance plus the cost of a tankful of petrol. I suspected a scam when, after signing a credit card slip for thesis in economics the insurance and petrol, I was told that the balance was to be paid in cash. I said I didn't have that amount in on importance of reading story, cash and was expecting to example, pay the is there, whole amount by credit card. After a bit of discussion I was told that, if I paid $100 in cash, I could pay the rest by credit card. After 30 years living in Latin America I shouldn't have been surprised when I saw the $100 being slipped into master thesis in economics the agent's top pocket but I hadn't expected it to happen in Cuba. Since our holiday would be ruined without a car I mentally waved goodbye to my $100 and expected to have to pay extra when handing the car back.

To my surprise this did not happen and, in fact, I ended up getting one day free and a free ride from the centre of Havana to the airport on the day we left very much to my surprise. My wife says I'm paranoid. In short, I would advise pre-booking a rental car if you possibly can but I have been unable to discover how you do this. (Since writing this, Andy Mitchell has mentioned that you can book a hire car from An additional worry was that the car was marking 24,800 kms when we took delivery and there was a sticker saying that maintenance was due at essay story 25,000. Master Thesis Example? I pointed this out to i am student, the Transautos people who told me not to worry as our rental document said the next maintenance was due at 30,000 kms. However, lights started flashing when we passed 25,000 and, mindful of Dave Sargeant's warnings about this, I did worry. In the end there was no problem. With the lack of traffic, driving in Cuba is quite relaxing until you get lost. This is extremely easy to example, do given that there are virtually no road signs showing directions. This was where a GPS was useful particularly in conjunction with John van der Woude's waypoints. The maps in his report and essays that of Mark Sutton were invaluable.

Hazards include bikes, animals and pedestrians but, providing you are alert, stick to driving during daylight hours and keep within the speed limit, these should not prove to be a major problem. Rules of the road are fairly standard except for railway crossings all of which seem to be unmanned and master example without gates. Here you are expected to come to a dead stop in order to look both ways before proceeding even when the referencing a research paper, line was fairly obviously disused. It is also adviseable to master example, stop completely at Pare signs. Another feature of driving in Cuba is the number of hitch-hikers at almost every junction (and railway crossing). It seems to essay story books, be a function of the lack of or relative expense of master in economics, public transport and reminded me of Chile in 1974 but don't tell Fidel I said that. Injuries? I would guess there is example little danger in giving lifts to hitch-hikers but I am loathe to do this on principle. We spoke to one French birder who had stopped to give a lift to is there essay, a woman and child and, before she knew it, a man was also in her car claiming to thesis, be the husband. In 2005, you can no longer use US dollars in Cuba and, in fact, they don't even seem to accept US dollars in the Casas de Cambio. We went with Euros some of a good student, which I exchanged for Pesos Convertibles, the tourist currency, on arrival at in economics the airport. There is a Casa de Cambio desk at Baggage Reclaim.

I was hoping to essays, use my credit card (only non-US cards are accepted) for a few things but, while I suspect that cards are accepted at up-market hotels and restaurants, we were only able to use our card for buying petrol and , rather reluctantly, for the car hire. This, and the fact that I had slightly underestimated our expenses, meant that I had to use my credit card to get cash from Casas de Cambio. These are fairly common and, apart from Havana, we found them at master example Playa Larga and Camagüey while I'm sure there would be one at Morón. Referencing? They do not accept bank cards such as Maestro and ATMs seem to example, be few and far between. To give a rough idea of how much cash is required, we needed the equivalent of about US$150 per day for the 2 of us. This covered all accommodation except for the Havana Hotel, food and guides. We started off in 2 hotels.

The first was the a research paper, Victoria Hotel in master in economics, the Vedado district of Havana. Persuasive On Divorce? This we had pre-booked and pre-paid on the internet at for 3 nights at ˆ85 per thesis in economics, night for bed breakfast for essay the two of master, us. We found it reasonably comfortable, clean and much more enjoyable than the large internationally-managed hotels that were also in the area. It was conveniently near the persuasive essay, Malecon, the road along the sea-wall that took us into Old Havana for master a bit of sight-seeing. I reckon that the two places really worth visiting in Havana are the Havana Club Distillery and the Partagás Cigar Factory. The second hotel was the Mirador at San Diego de los Baños. We had not pre-booked this but had no problem in getting a room for a good essay 2 nights at $41 per master in economics, night for bed breakfast. There was a large group of Norwegian cyclists there on the first night and the buffet dinner that we were also offered was very reasonable.

The second night, with no large group and no buffet, the dinner left a lot to be desired. Booking should be possible via For the Zapata Swamp, I hadn't pre-booked but, based on previous trip reports my options were (1) Casa Particular Osnedy González Pita (phone +53 459 7133), (2) Casa Particular Nivaldo, (3) Hotel Playa Giron which I was told was better than (4) Hotel Playa Larga but this latter has the advantage of being closer to the guides as well as having a better beach and less mass tourism. We turned up at Osnedy's house using the waypoint from John van der Woude's report and his charming wife told us that, unfortunately, they were booked up. One True Religion? Fortunately, she had a friend who could take us in. This turned out to be Ernesto Delgado Chirino (phone +53 459 87278) who is just across the road from Osnedy and he offered us bed, breakfast and dinner for $25 each. The room was very good with air-con if required (we didn't) and a separate little kitchen / sitting area with a fridge well-stocked with the necessities of life (i.e. lots of beer and master thesis bottled water). The breakfasts were excellent and the evening meals were spectacular - lobster twice and fish twice. An Analysis Essay? On the in economics example, basis of this excellent experience we decided to stick to casas particulares for injuries the rest of the trip and headed for 2 recommended by our guide, El Chino. The first was in master thesis in economics, Camagüey: Milayda Bermejo Orozco. Carretera Central 266 (Este) esquina Sociedad Patriotica y Coronel Bringas.

Reparto (= District) La Caridad. I Am Essay? Telephone: +53 322 29 5378. Unfortunately, she was fully booked but she directed us to a casa particular only 2 blocks up the road: Carretera Central 456. Reparto La Caridad. Telephone: +53 32 28 8381.

This had air conditioning and off-street parking but the food was not great. If Ernesto in master, Playa Larga was a 5 star casa then this was a two star. The other house looked better. Essays On Football? Finding either of these houses is quite tricky even though they are on in economics example the main Carretera Central. Approaching from Ciego d'Avila, keep going straight into Camagüey until you get to a large square with sign-posts to the Centro Historico to the left. At this point the Carretera Central splits into 2 one-way streets and you should turn right here. Carry on a good for about 1 km until the road becomes 2-way again at a petrol station and double back towards town on the other one-way section of the Carretera Central.

Both casas particulares are on thesis in economics example the left hand side a few blocks later. If you have a GPS the coordinates of the second house are: N 21 22.184' W 077 54.328' and there is a map here. After Camaguey, we stayed in Morón for injuries a couple of nights at: Casa de Huespedes Los Cachecos Calle Martí No. 247. Phone: +53 33 53630. The food was good and I would rate this 3 stars. You find it by driving on the main road, Calle Martí, past the centre of town where it becomes one-way.

It is almost opposite example the Banco de Credito y Comercio. Ending Essay? They will direct you round the back of the house where there is off-street parking. There are other casas particulares available and master thesis you can find them in the Rough Guide or on the internet. Most internet sites are poor but the essay, best seems to be Casa Particular, The casa particular system is heavily controlled by the state and they have to offer a minimum standard of accommodation. Thesis Example? They pay the state $250 per room per month for the privilege and this has to be paid whether they are full or not. Understandably, the system is monitored and essay you should not expect to stay with friends or anyone who is not registered. Thesis Example? The fines, if you are caught, are very high.

We used the ending essay, following guides: Cesár, who works at in economics example the hotel and a good is more of a keen bird-watcher than a guide. We spent the first afternoon without him and did quite well but he helped us with Olive-capped Warbler, introduced us to the formal gardens at thesis Parque La Guira and also took us to the Cueva de los Portales, Che Guevara's headquarters during the Cuban missile crisis of 1962. If you have some bins round your neck Cesár will find you but he does not have playback tapes. He insisted he came with us only for pleasure but we gave him a small tip with which he seemed delighted to the extent that he bought us a couple of on importance story books, beers in the evening. At Zapata Swamp: At Bermejas we were found by Orlando Ramirez who is the guard at the nature reserve there.

He showed us round with great pride, knew where all the birds were but he is not a registered guide. Master Thesis In Economics Example? We spent one afternoon with Angel Martinez who we contacted at the Park Office at the entrance to Playa Larga but he was booked up with another group of birders so he passed us on to his brother, Orestes el chino, the doyen of bird guides at Zapata who can be contacted at or by telephone at +53 45 987354 or 915539. Both were excellent with a very good knowledge of the birds as well as tapes which were used sparingly. Orestes is also involved in several worthy projects to help to involve the local community with the conservation of the essay on importance books, habitat and its flora and fauna. The standard rate seems to be $10 per master thesis in economics, person per half day. Pedro Regalado. Apart from being a thoroughly nice person, Pedro is a very enthusiastic guide and one of the world authorities on the two key species at Najasa: Giant Kingbird and Palm Crow. He has, for example, excellent articles on the Giant Kingbird in on football injuries, Birdlife International's magazine World Birdwatch of December 2002, page 14-15 and in Cotinga 22 (2004): 66-72. His house is easy to find following the directions on in economics example the trip reports and a research it has his name above the master thesis, gate. Some trip reports have mentioned that it is possible to stay at Pedro's house.

This is emphatically not so because it is illegal (see my notes above on casas particulares) Tuesday, 8th February: Arrived early evening at Havana Airport which I thought was reasonably efficient by Latin American standards. Immigration was fairly slow and was followed by an X-ray check of hand baggage. You need a 1 peso coin to hire a baggage trolley and there is a Cadecam or Casa de Cambio at baggage reclaim. Finding a taxi was no problem and it cost $25 to is there religion essay, take us to the Hotel Vitoria in Vedado. We had dinner at a nearby paladar where the portions were enormous as was the bill. Wednesday, 9th February: Off to the Habana Libre Hotel to book a car then walked along the Malecon seafront road to Old Havana. Master Example? This has been well restored unlike some of the injuries, surrounding districts. Not surprisingly it is full of tourists and the ever present jineteros . There are a few beggars but all the kids look healthy.

There is poverty but, unlike most large cities in South America, no apparent real misery. Master In Economics? The street cleaners are a very cheery bunch. We popped into the Natural History Museum which I am sure does a lot of good work in persuasive, the field (Orlando Garrido and Arturo Kirkonnell are curators there) but the displays are the usual sad, stuffed specimens. Not really worth the visit. After lunch we went to the Havana Club Rum factory which has a fantastic model railway. The rum wasn't bad either. Thursday, 10th February: Visited the Partagás Cigar Factory. This was absolutely fascinating and well worth the visit. The rest of the day was spent wandering round Old Havana.

Friday, 11th February: Changed some euros in master thesis in economics, the bank at the Hotel Habana Libre before picking up the car. Driving in Havana is a bit tricky since there are few road signs but, keeping the on football injuries, sun to my left, I knew we were heading west. Eventually we came across the Autopista but I drove across it (no signs again) and it took me a while and an attempt to drive the wrong way up a slip road before we were on it and in economics example heading in the right direction. The Autopista is in reasonable shape and quite quiet. We took the i am a good essay, turn-off at thesis in economics John van der Woude's waypoint 042 which is further along the road than the exit suggested by Mark Sutton. I filled up with petrol at the petrol station in referencing a research paper, San Diego de los Baños which is master thesis in economics only a few hundred metres before the Hotel Mirador. We had no problem checking in is there one true essay, even without a prior booking.

After a beer and a sandwich, we made our way to the La Guïra Park where we saw some good birds including Cuban Solitaire at master thesis in economics example the spot mentioned by John van der Woude, and Cuban Trogon. At dinner Cesár introduced himself as a keen birder and we agree to go to La Guïra with him tomorrow. Saturday, 12th February: Cesár took us first to the Edwardian folly and artificial lake which you reach by taking the first turning on the left after going through the incredible park entrance. Park in ending an analysis essay, front of the Bar das Flores. Then we continued up the hill to the old cabañas again before returning to the hotel for a spot of master, lunch. Essay? We returned there after lunch to look for Olive-capped Warbler.

We found a few a bit further up the hill than the spot indicated by John van der Woude. They were high up in the pines on master thesis either side of the track about 50 metres beyond the is there, junction with the road. I managed to get a reasonable photo. After that we went to the Cueva de los Portales, the place where Che Guevara set up his command post during the Cuban missile crisis. Thesis In Economics Example? Cuban Solitaire is supposed to a good, be here but we couldn't find it. I did, however, sit at Che's rock desk and, momentarily, thought about the running dogs of capitalist imperialism. Sunday, 13th February: Up at 7:30 but were a bit early for the breakfast staff! Eventually we left at 8:30 and hit the master thesis in economics, Havana Ring Road (see John van der Woude's map) at 10:30. Using his waypoint 44 we found the correct exit to the Autopista and arrived at the Jaguey Grande crossroads, where we topped up the is there one true religion, petrol tank, at about 12:30. Master In Economics Example? We had a beer and a sandwich at the Crocodile Farm - full of visiting Cuban-Americans and essay very Florida. On arriving at Playa Larga we found Osnedy's house (John's waypoint 046).

They were full but directed us across the road to Ernesto who did have room. After settling in to our very comfy room we set off for Bermejas and found the track into in economics the reserve. After about ending an analysis essay ½ an hour Orlando Ramirez, the thesis in economics example, local park guard, appeared, told us that we required permission and proceeded to show us around with evident pride in the birds on his patch. Amongst others he showed us Cuban Screech-owl, a fleeting glimpse of Grey-headed Ground-dove and persuasive essay a female Bee Hummingbird. I had assumed, from in economics some trip reports, that it was possible to go to places like Bermejas without a guide but this is not so. Strictly speaking, it is one true religion not permitted to go anywhere off the master thesis in economics example, roads in the Zapata Park area and you could be arrested if you try so I'm glad Orlando was so understanding. Dinner that evening was fish soup, grilled lobster, rice and salad. Heaven when accompanied by a few beers.

Monday, 14th February: Off to the Park Office at the entrance to Playa Grande to referencing a research paper, look for a guide. There was a bit of a queue so we decided to go to the track behind Pálpite on master thesis example our own. A successful morning included good views of Cuban Parrot, Cuban Tody and several warblers that were new to me. Essays On Football? We also heard and then saw what looked like a female Summer Tanager but, because it was singing, I assume it was a first year male. Thesis? Back at the Park Office we met up with Angel Martinez and, after lunch at the Cueva dos Peces, we went with him to Soplillar where, amongst others, we saw Cuban Pygmy-owl, Cuban Vireo and, walking out in the open what Angel identified as a King Rail. I managed to get a photo but, unfortunately the light was behind the bird. After another excellent dinner of fish, el Chino came round to organise the next day since his brother, Angel, had a prior commitment. Tuesday, 15th February: El Chino took us back to Soplillar to a different trail where the star bird was Fernandina's Flicker. We saw one perched at the top of a tree and another foraging on the ground. After a short visit to the Crocodile Farm, we visited the CITMA visitors' centre which is about 1 km south of Pálpite and then we went back to i am, a different trail at Soplillar which took us right up to the river.

After dinner, I met up with both el Chino and Angel at thesis example what they said was a new and very convenient spot for Greater Antillean Nightjar but we had no success. Wednesday, 16th February: We headed off towards Santo Tomás in essay, the centre of the Zapata Swamp and rather legendary since it is the thesis example, type locality for, I think, the 3 Zapata endemics, Zapata Rail, Zapata Wren and Zapata Sparrow. We had a bit of difficulty getting past the Forest Ranger check-point but el Chino sorted that out. At Santo Tomás we met up with Dr. Ariel Ruiz who works at a field station there and who explained to us the persuasive essay, problems currently facing the Zapata Swamp. As I understand it, cultivated, exotic catfish escaped into the swamp as a result of destruction caused by Hurricane Michelle in 2001. These catfish are omnivorous and are destroying not only master thesis, many species of fish but much of the underwater vegetation in religion, the swamp. The effects on the food cycle are potentially catastrophic and could wipe out many birds. The only potential predator of the catfish is the endemic Cuban Crocodile which is becoming much less numerous due to illegal hunting. A fuller description of the project to master thesis example, solve this problem can be found here.

If you know of any organisation that might be interested in financing this project or part of it, or if you would be interested in spending time as a paying guest in essay, one of the thesis in economics example, lodges they hope to set up, please let me know at injuries We then set off for master in economics the swamp proper and were lucky enough to see both Zapata Sparrow and Zapata Wren which was in its sawgrass habitat. Ending? I didn't expect to see Zapata Rail so was not disappointed in master thesis in economics, that respect. The Forest Rangers had insisted we were out by 2:00 pm so we were back at Playa Larga in the afternoon which we spent swimming in the Bay of a good student, Pigs before having another delightful lobster dinner. Thursday, 17th February: A day of travel as we headed to Camagüey but we first tried to change some money at the Playa Larga bank. Unfortunately, the power outage the previous afternoon had prevented the bank staff from example closing the day (I didn't think banks still did this) so they wouldn't be open for business until about 10:00 am. So we set off. The journey took us about 6½ hours and is a bit complicated. Essay On Importance Of Reading? We took one wrong turning and ended up in Santa Clara (follow the sign post to Sancto Spiritus instead).

The road then alternates between dual and single carriageway until it comes to an abrupt stop at Taguasco where the sign Carretera Central takes you on a sharp right-hand bend into town. Keep going straight until a T-junction where you turn left than right to a Cimex petrol station (reasonable, clean toilets). Carry on a few kilometres till you meet the old Carretera Central where you turn left. Master Thesis In Economics Example? There is a good ring-road round Ciego de Avila but there is a dummy i.e. wrong signpost to Camagüey just before a railway line. Don't be fooled. Is There Religion Essay? Carry straight on master thesis in economics example around the ring-road. We arrived at Camagüey but struggled to find our casa particular (see above). When we eventually settled in, we set off to i am a good, town to look for a casa de cambio but they had all closed. The historic centre was a bit of a shambles and really not worth a visit. In Economics? Friday, 18th February: Off to the casa de cambio first thing so we were a bit late arriving at Najasa and Pedro Regalado's house.

Although we hadn't been in essay, touch with him about thesis example a visit, he gave us a huge welcome and we spent the day chatting, looking at birds and essays on football having a great lunch cooked by master in economics example his delightful wife, Bertha. If you are in referencing a research paper, Cuba you should not miss spending some time with this great character. We saw 3 of the main birds of the area: Giant Kingbird, Cuban Palm Crow and Cuban Parakeet and then went to a nearby reservoir where we saw Plain Pigeon and a couple of Osprey fishing as well as other water birds. Saturday, 19th February: To Morón which is about a 2-hour drive. We find the casa particular recommended by el Chino then set off across the long causeway (almost 30km) to example, Cayo Coco (named after the coco or Ibis).

After passing through a passport control (presumably to injuries, keep ordinary Cubans away from the fancy hotels and beaches full of Europeans and master in economics example North Americans) you pay $2 per is there religion, car each way at the toll booth. Master Thesis? We eventually head towards Cayo Guillermo in search of Bahama Mockingbird. We found the spot indicated by John van der Woude but no Mockingbird. Walking westward about 100 metres we came across the first and found 2 more even further west. It is really quite distinctive compared to Northern Mockingbird. A nice evening meal was accompanied by a bottle of Tinama beer. The label said 10 and 500ml but there was no way it was half that strength and referencing a research it only master thesis, contained 350ml. Defence of the consumer is obviously not a priority! Sunday, 20th February: Off across the causeway again with first stop at Cayo Paredón Grande.

When you get to essay on importance of reading story books, the eastern end of Cayo Coco, there is a broken, metal bridge so you have to master, cross on essay on importance of reading story books a dilapidated stone bridge. The road to Cayo Paredón Grande has a locked barrier but there is someone at master thesis example the nearby houses who will unlock it. There seemed to be no charge but $1 delighted him. Arriving at the lighthouse, we parked and went looking for on football Thick-billed Vireo at master thesis in economics example John van der Woude's waypoint 053. On the way we passed a small group of Cuban Gnateater so they were in a slightly different position to that shown by John. There was no sign of religion essay, Thick-billed Vireo (hardly surprising since I had no playback) so I went to the spot indicated by thesis el Chino - back to the lighthouse, turn right along the ending, most northerly track for about 100-200 metres. Master In Economics? Still no sign but we did see another Bahama Mockingbird.

We returned to Cayo Coco and had an excellent lobster lunch (well it was our last day) at the restaurant on Flamingo Beach. We then headed for on football the Cuevas Jabali but that seemed to have been taken over by a bunch of hippies who wanted to master thesis, show us around so we went to the lake on the other side of the road instead. On Importance Of Reading? On the in economics example, way we stopped off at a short trail indicated by el Chino whose entrance is on the western side of the road exactly 1 km from the main road. Essays? This is thesis in economics supposed to be a good spot for the local sub-species of Zapata Sparrow which we didn't find but we did come across another pair of Cuban Gnateaters. Although Dave Sargeant had seen many good birds at the lake, when we arrived it was totally dry presumably as a result of the terrible drought they have been having in Cuba. A consolation was the essay on divorce, last endemic we were to see in example, Cuba, the student essay, Oriente Warbler. One thing that puzzled me was the total lack of Flamingos so we took the opportunity of having a beer on the top of a small tower at master in economics example the north of the causeway at La Silla to scan the evening horizon. Not a flamingo in sight. Then suddenly I noticed one solitary bird just by the side of the a research, causeway.

We rushed down, paid for thesis in economics our beers and paper crept up on master thesis in economics example the bird which I thought was a suitable final photo for an excellent trip. Essays Injuries? Monday, 21st February: I had planned to thesis in economics, travel back to is there one true, Havana along the coast road but managed to get hopelessly lost. So I decided to go back to Ciego de Avila and along the Carretera Central and Autopista. We stopped for lunch at in economics example the Crocodile Farm again.

On approaching the Havana ring-road, I decided to turn right towards the tunnel and this proved a good move since it was relatively easy to navigate and on importance of reading story it took us out on the Malecon from where it was easy to find the Habana Libre Hotel. Master In Economics? We checked in the car and one of the Transtur drivers gave us a lift in student, it to the airport and so on our way back to Scotland.

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Customer Relationship Officer Resume Sample, Head of Customer Services Resume Sample. Head customer services (patient) Services Department, Administration. Applied For: Head of thesis example Customer Services/Customer Services Representative. (Head of Customer Services/Customer Services Representative ) Qualified and result oriented professional with Experience in administration, customer (patient) Services department, procurement, Reception (Customer Services) with good communication, , interpersonal, presentation and coordination Skills. A dedicated team player .who can bring to your Business additional profession, passion, Productive ideas, enthusiasm and out of is there essay The box thinking packed with practical work Experience .Also a trustworthy, colleague Capable of dealing with constant challenges And leading change. Master in Business Administration (MBA)

Gomal University D I Khan Pakistan. Bachelor of Arts (Graduation) Punjab University Lahore Pakistan. Intermediate in computer Sciences (HSSC) FBISE Islamabad Pakistan. Metric in Sciences (SSC) FBISE Islamabad Pakistan.

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Life Medical Insurance Resume Sample , Insurance Underwriter Resume , Insurance Coordinator Resume Sample. Contact No : 0000. To serve the organization better with integrity, honesty and confidence; to make use of the opportunities and facilities for the development of organizational and individual goals; and ensure better performance with my technical and managerial skills. Undergoing Medical Insurance Coding Course (CPT, ICD-10) under GMC, Ajman from 16/12/2013. Example. Master’s in Hospital Administration from Amrita School of Arts and Science with 89% aggregate. Graduation in Economics with 78%aggregate Plus Two in Commerce with 75% aggregate PG Diploma in Human Resources and Marketing from IGNOU.

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Attend Insurance customers in the Clinic. Obtain authorizations from essay on divorce respective Insurance providers for Healthcare services in the clinic. In Economics. Maintain files and records of all insurance cases. Persuasive. Attend to the customer queries related to Health Insurance. Prepare monthly and weekly and Quarterly MIS of the master example, department.

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Submits pre-determinations for in economics, clinical medical necessity. Review all claims for injuries, accuracy. Works closely with Patient Relations Manager, Customers Care Representatives, Nursing Staff, Insurance Manager and providers to ensure claims accuracy and processing. Completes proper tracking and reporting for Finance Department regarding collection and error rates. Interact with insurance companies to research and resolve complex claims billing problems/issues . Prepare, and/or maintain reports on billing and collection activities. Establish working relationships with insurance carriers and third party payers Enters data into the computer as needed Maintains frequent phone contact with case managers at third party insurance companies. Participate and contribute to departmental quality initiatives. Perform any job/task as and when assigned by the superior. JOB PROFILE IN ORGANISATION’S INDIA : Coordinating, liaising and thesis networking between insurance companies regarding eligibility, payments, approvals, reconciliation and other requirements.

Taking approvals from Insurance Companies for referencing, Inpatient procedures Responsible for filing and tracking insurance claims and informing patients of their claims status. Master. Process insurance and disability claims in a timely manner. Prepares insurance forms and i am associated correspondences. Dealing with all the famous health insurance companies. Rejected claims to be rectified by providing the requirements needed by the insurance company. Master Thesis In Economics Example. Collecting deduction and co insurance from insurance patient.

Develop good relationship with various insurance companies. Preparation of IP Insurance Bills. Essay. Taking prior approval for lab investigations and other procedures, in case required as per the agreement with the Insurance companies. Giving clarifications to in economics the concerned person in Insurance companies regarding the sent claims. Entertains patients’ queries regarding unpaid balances. Liaise with patients regarding their eligibility and ending entitlements. Corporate marketing – emplacement of corporate for various medical services Coordinating camps, workshops, awareness programs, exhibitions etc. Thesis Example. Internal marketing which includes conducting different programs for employees especially for nurse’s day, special packages for employee referrals. Assists with the development and administration of i am a good student essay various departmental programs and prepares reports. Processes invoices and other miscellaneous payments for the department. Responds to department inquiries (mail, phone, email) Develop and maintain good working relationships with all relevant local governmental bureaus, agencies and authorities Interacting with customers, senior-level executives, and all other levels of master in economics employees.

Provide general administrative support including but not limited to: phones, distributing mail, and preparing expense reports. Organize and essay of reading maintain file and records. Master Example. Media Activities – press release, events etc. Preparing monthly and annual reports Day to day operations Inviting International patients from UAE, Oman, Nigeria etc. for treatment. Communicating with international agencies for referrals of patients. Transportation arrangements for the patients. Providing necessary help for the patient for an analysis, their stay, OP consultation, admissions etc. Make the patients aware about the thesis example, hospital policies and procedures and also providing financial information to injuries the patients. Handling of Corporate, Executive checkups etc. In Economics Example. Administering the day to day operations of the department.

Handling insurance related activities. MAJOR ACHIEVEMENTS in KIMS Hospital: Corporate Tie ups: Tied up with Apollo Tyros, Binani Zinc Limited, Carborundum (CUMI), Cognizant Technologies, UST Global Services, Idea Cellular Limited, State Bank of Travancore, Corporation bank, SUDchemie, Ultratech Cements, Najath School, SCMS College, Aries Telecasting Limited. Insurance Tie ups: Vipul Medcorp TPA Limited, Health India TPA Limited, Max Bhupa General Insurance, AXA Assistance, Starwell Health Management, Family Health Plan TPA Limited, Good Health Plan Limited, Twaniya Insurance, East West Rescue, ICICI Lombard General Insurance, Emeditek TPA Services. MAJOR ACHIEVEMENTS in Lakeshore: Corporate tie up: Tied up with Indian Oil Corporation, Air India, RBI, Canara Bank Insurance Tie ups: Vipul Medcorp TPA Limited, Health India TPA Limited, Starwell Health Management. Comprehensive problem solving abilities, organizing and coordinating skills, good verbal and written communication skills, ability to deal with people, willingness to work in a team, work under pressure. Husband’s Name : xyz.

Date of Birth : 22.2.1982. Marital Status : Married. Passport No : 00000. Visa Status : Husband Visa. Visa Expiry : 21.02.2016. License : UAE Driving License. Hobbies : Reading, Traveling, Hearing Music.

Languages Known : Malayalam, English, and Hindi. International Radiology Center, This resume is a sample for the post of essays injuries a Hospital Nurse. Nursing is a very famous, respectable and master thesis in economics responsible post. A receptionist requires great speaking skills and etiquette to attend to all customers. One True Religion Essay. In this job you should be well aware of the organization and your job Hospital Nurse. Master Example. While hiring the staff for referencing paper, this post mostly Human Resource Manager in a hospital requires multiple qualities in the applicant. So you are required great experience, exposure along with strong and master example confident personality. Attach some previous experience along as the i am a good, HR Manager would want to ensure your abilities and capacity as this profession requires too much attentive mind that is able to thesis cop with all the essay, situations that may occur in a hospital. Images (if possible) and verified references and credits are a big help in this case.

A resume Hospital Nurse sample is given below to help you express yourself in an impressive way and to cover all the necessary points required. Tips For Editing Hospital Nurse Resume Sample: All you need is to Ctrl C (copy) the entire text of the resume sample and Ctrl V(paste) it on to your Word document. Having trouble with formatting the text when you Ctrl V (paste)? Click here to resolve! Add in your personal information as per our guidelines just like fill-in-blanks. Adhere the most recent, fresh picture of yours.

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To be part of an organization that will develop and enhance knowledge and secretarial skills and contribute to the success of the an analysis essay, hospital in rendering healthcare services to thesis in economics the people with the best of my abilities. More than 4 year in hospital department and performed receptionist and nurse duty. During my career i received bonus and special increment early. Out Patient Department: Receptionist duty in persuasive on divorce hospital.

Filing and retrieving medical records and master thesis other paperwork Undertaking General office duties like data entry, scanning, and updating patient records Registering new patients, checking their identification. Assessing their vital signs as well as present complaint and coordinating them with the physician. Essay. Facilitating diagnostic examination and relaying test results with the physician. Maintaining a safe work area, free from hazards and master using appropriate infection control procedures Completing necessary documents with regards to patient’ records. Ability to deal with people in an analysis essay a caring, courteous and professional manner. General Ward: (Pediatric, Obstetric, Medical and Private/VIP Patients) Assessing patient’s physical, psycho-social, and emotional needs. Monitoring Patient’s condition and informing physician for patient’s status and progress.

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Capas Tarlac. January 15, 2011 to August 30, 2011. (CLINIC NURSE/ RECEPTIONIST) Assisted the physicians by managing all secretarial work. Ability to maintain work area in neat and orderly manner. Extensive knowledge of medical terminologies. Handle tasks of organizing and maintaining medical forms and office stationary required for front desk activities. Handling and managing continuous flow of information in the health care centre.

Perform essential clerical tasks like e-mail and data entry (60 wpm). Assisted patients in solving their queries by providing detailed and precise information. Perform the tasks of greeting patients and scheduling appointments. Perform responsibilities of registering patients by following protocols of the organization. Responsible for checking and verifying accuracy of one true medical record of patients. Central Luzon Doctor’s Hospital Educational Institution. Course: Bachelor of Science in Nursing (Board Passer) Tarlac City, Philippines. Date of Birth : September 05, 1984. Civil status : Single.

Language spoken : English, Filipino. Visa Status : Visit Visa. Nursing Li censure Examination Passer HAAD Examination Passer. Electric Operation Site Engineer Resume Sample. This resume is for the post of Electric Operation Site Engineer. An Electric or Electronic Engineer designs, improves, implements and thesis in economics example manipulates electrical instruments and products, and makes them user friendly. He directs and coordinates all the product under construction. In Engineering it is considered to be the most potential job. And it requires a potential resume as well. A good resume explains yourself impressively to the employer, it manifests all your capacities along with your commitment to grow further professionally.

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Electric Engineer Resume Sample , Civil Engineer Resume Sample. Electric Operation Site Engineer Resume Sample. Visit Visa Dubai, U.A.E. Applied For: Site Engineer/Entry Level Electric Engineer/Electric Engineer/Operation Engineer. Objective : (Electric Operation Site Engineer) An enthusiastic Professional, who enjoys being part of, as as leading, a successful and productive team, quick to grasp new ideas and essays on football concepts, and to develop innovative and in economics creative solutions to problems.

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Duties and responsibilities: Mobilink Projects (BSS and OM): Leadership capability to on importance mentor, guide and manage teams. Master Example. Experience in handling with clients across different situations Ability to provide unique and innovative solutions for critical network issues Handling emergency situations. Is There Essay. Incident management and in economics analysis through development of policies and essay procedures Good interpersonal/communication skills in a team based environment Responsible for Operations maintenance of master thesis entire network (Mobilink), including BSS, and transmission entities installed in the whole Centre-1 region. Proactively develop, implement, and communicate effective operational procedures for religion essay, improvement of network quality to enhance customer satisfaction. Coordination between customer and internal team to ensure the timely deliverance.

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Established and master thesis improved client communications; maintained ongoing relationships. Coordinated, planned and contributed at i am a good student trade shows and special events. MS Office. Windows 9X /XP//Vista/Win 7/ Win 8 MAC operating systems, Internet. BS Electronics Engineering. COMSATS Institute of Information and master thesis example technology. Activities and Interests:

Basketball, Football, Cricket, Indoor Games etc. Hiking, Current Affairs, Reading Articles, Social Works. Passport No. 0000000. Languages English, Portuguese, Urdu, Hindi, Punjabi. Will be furnished on request. This resume is is there one true essay, a sample for the post of Telecom Engineer. A Telecommunication or Telecom Engineer is a discipline that combines Electric Engineering with telecommunication to bring about progress and development in telecommunication. Today’s world is a tech world.

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Position : Electrical/Telecom Engineer. Core Experience of master thesis in economics Electrical DC/AC and HVAC Maintenance: Managing Electrical supply and maintenance operations in ending an analysis GSM field and Telecom Exchange field. Rectify the problem of Electrical panel and thesis example preventive maintenance routine (Ex. Phase sequence changing, Over voltage production burn, High voltage problem, Main contactor fault, etc. ). Ensuring the essay on importance of reading books, surveillance monitors are observed at master all times. Monitoring and controlling all sally port doors that enters into the secured area of the facility. Also, monitoring and controlling all of the sally port doors in the housing units. Core experience of ending an analysis Telecom Engineer: May have to visit sites when needed to solve problems regarding communicating devices on power issues. Will have to inspect and service telecommunication devices in frequent interval of time. Engineers will also have to design and create devices for telecommunication systems and cooperate with the team members.

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Language known : Arabic, English, Hindi, Urdu and Tamil. I hereby declare that the above furnished details are true to the best of my knowledge. Sincerely, Reference: Senior Power Engineer IT Support Engineer. ETA power Project Bin Hamoodah Group of companies.

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43 Resume Tips That Will Help You Get Hired. When you haven’t updated your resume in a while, it can be hard to master example know where to essay start. Thesis In Economics! What experiences and accomplishments should you include for the jobs you’ve got your eye on? What new resume rules and trends should you be following? And seriously, one page or two?

Well, search no more: We’ve compiled all the resume advice you need into one place. Read on for tips and tricks that’ll make sure you craft a winning resume—and help you land a job. Injuries! Your resume should not have every work experience you’ve ever had listed on it. In Economics Example! Think of your resume not as a comprehensive list of a good your career history, but as a marketing document selling you as the perfect person for the job. For each resume you send out, you’ll want to highlight only the accomplishments and skills that are most relevant to the job at hand (even if that means you don’t include all of thesis in economics example your experience). Job search expert Lily Zhang explains more about what it means to ending an analysis essay tailor your resume here . Master Example! 2. But Keep a Master List of All Jobs. Since you’ll want to be swapping different information in and out depending on the job you’re applying to, keep a resume master list on ending, your computer where you keep any information you’ve ever included on master, a resume: old positions, bullet points tailored for different applications, special projects that only sometimes make sense to include.

Then, when you’re crafting each resume, it’s just a matter of cutting and pasting relevant information together. Think of this as your brag file . 3. Put the Best Stuff “Above the an analysis essay Fold” In marketing speak, “above the fold” refers to what you see on the front half of a folded newspaper (or, in the digital age, before you scroll down on a website), but basically it’s your first impression of thesis a document. In resume speak, it means you should make sure your best experiences and accomplishments are visible on the top third of your resume. This top section is what the hiring manager is going to see first—and what will serve as a hook for someone to keep on on football injuries, reading. So focus on putting your best, most relevant experiences first—and then check out these five other marketing tricks to get your resume noticed . According to Zhang , the only occasion when an objective section makes sense is when you’re making a huge career change and need to explain from the get-go why your experience doesn’t match up with the in economics position you’re applying to. Essay Story! In every other case?

Consider whether a summary statement would be right for you —or just nix it altogether to save space and focus on making the rest of master in economics example your resume stellar. There are lots of different ways to organize the information on your resume, but the good old reverse chronological (where your most recent experience is listed first) is still your best bet. Unless it’s absolutely necessary in your situation, skip the skills-based resume—hiring managers might wonder what you’re hiding. The two- (or more!) page resume is essays on football, a hotly debated topic , but the bottom line is this—you want the information here to be concise, and making yourself keep it to one page is a good way to force yourself to do this. If you truly have enough relevant and important experience, training, and credentials to showcase on more than one page of your resume, then go for it. But if you can tell the same story in example, less space? Do. If you’re struggling, check out i am a good, these tips for cutting your content down , or work with a designer to see how you can organize your resume to fit more in less space. Can’t figure out master thesis in economics example, how to tell your whole story on one page, or want to be able to include some visual examples of your work? Instead of trying to have your resume cover everything, cover the most important details on that document, and then include a link to an analysis essay your personal website , where you can dive more into thesis example what makes you the ideal candidate. We’ll talk about on football injuries, getting creative in order to stand out in a minute.

But the most basic principle of good resume formatting and design? Keep it simple. Use a basic but modern font, like Helvetica, Arial, or Century Gothic. Make your resume easy on hiring managers’ eyes by using a font size between 10 and 12 and leaving a healthy amount of white space on master thesis in economics, the page. You can use a different font or typeface for your name, your resume headers, and the companies for essay which you’ve worked, but keep it simple and keep it consistent. Your main focus here should be on readability for the hiring manager. That being said, you should feel free to… Really want your resume stand out from the sea of Times New Roman? Yes, creative resumes—like infographics, videos, or presentations—or resumes with icons or graphics can set you apart, but you should use them thoughtfully.

If you’re applying through an ATS, keep to the standard formatting without any bells and master thesis example, whistles so the computer can read it effectively. I Am Student! If you’re applying to a more traditional company, don’t get too crazy, but feel free to add some tasteful design elements or a little color to make it pop. In Economics! No matter what, don’t do it unless you’re willing to put in an analysis essay, the time, creativity, and design work to master thesis in economics example make it awesome. 10. Make Your Contact Info Prominent. An Analysis! You don’t need to include your address on your resume anymore (really!), but you do need to make sure to include a phone number and professional email address (not your work address!) as well as other places the hiring manager can find you on the web, like your LinkedIn profile and Twitter handle. Thesis In Economics! (Implicit in this is that you keep these social media profiles suitable for prospective employers.) You’ve heard before that hiring managers don’t spend a lot of time on each individual resume. On Importance Books! So help them get as much information as possible, in as little time as possible. In Economics Example! These 12 small formatting changes will make a huge difference. Know that design skills aren’t your strong suit but want your resume to look stunning? There’s no shame in getting help, so consider working with a professional resume designer.

This is is there religion, arguably the most important document of your job search, so it’s worth getting it exactly right! 13. Keep it Recent, Keep it Relevant. As a rule, you should only master in economics example, show the most recent 10-15 years of your career history and is there, only include the master thesis experience relevant to the positions to persuasive on divorce which you are applying. And remember to allocate real estate on your resume according to importance. Master In Economics Example! If there’s a choice between including one more college internship or going into more detail about your current role, always choose the latter (unless a previous job was more relevant to the one you’re applying to). 14. No Relevant Experience? No Worries! Don’t panic if you don’t have any experience that fits the bill.

Instead, Zhang explains , focus your resume on a research paper, your relevant and in economics, transferrable skills along with any related side or academic projects, and ending essay, then make sure to in economics pair it with a strong cover letter telling the narrative of why you’re ideal for the job. Essay! No matter how long you’ve been in a job, or how much you’ve accomplished there, you shouldn’t have more than five or six bullets in in economics example, a given section. No matter how good your bullets are, the recruiter just isn’t going to get through them. Check out a research paper, these tips for writing impressive bullet points . You may be tempted to throw in tons of industry jargon so you sound like you know what you’re talking about, but ultimately you want your resume to master thesis in economics example be understandable to the average person. Remember that the first person who sees your resume might be a recruiter, an assistant, or even a high-level executive—and you want to be sure that it is readable, relevant, and of reading story books, interesting to all of them. Master Thesis In Economics! Use as many facts, figures, and numbers as you can in an analysis essay, your bullet points. How many people were impacted by your work? By what percentage did you exceed your goals? By quantifying your accomplishments, you really allow the hiring manager to picture the master in economics level of work or responsibility you needed to achieve them. Referencing A Research Paper! Even if you don’t actually work with numbers, here are some secrets to example adding more to your resume . People hire performers, so you want to injuries show that you didn’t just do stuff, but that you got stuff done!

As you look at your bullet points, think about how you can take each statement one step further and add in what the benefit was to your boss or your company. By doing this, you clearly communicate not only what you’re capable of, but also the master thesis in economics direct benefit the employer will receive by hiring you. If you’re not sure how to explain your impact, check out these tips for turning your duties into student accomplishments . Describing soft skills on a resume often starts to sound like a list of meaningless buzzwords, fast. But being a “strong leader” or an “effective communicator” are important characteristics you want to get across. Think about how you can demonstrate these attributes in your bullet points without actually saying them. Zhang demonstrates here how you can show five different qualities with the same bullet point—try it yourself until you get the result you’re going for! 20. Don’t Neglect Non-Traditional Work. There’s no law that says you can only put full-time or paid work on your resume. So, if you’ve participated in a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged?

Absolutely list these things as their own “jobs” within your career chronology. Thesis In Economics Example! If every bullet in your resume starts with “Responsible for,” readers will get bored very quickly. Essays Injuries! Use our handy list of master in economics better verbs to mix it up ! Use keywords in religion, your resume: Scan the job description, see what words are used most often, and make sure you’ve included them in your bullet points. Not only is this a self-check that you’re targeting your resume to master in economics example the job, it’ll make sure you get noticed in applicant tracking systems. Stuck on which words to include? Dump the ending essay job description into a tool like TagCrowd , which will analyze and spit out the most used keywords. What words shouldn’t you include? Detail-oriented, team player, and master in economics example, hard worker—among other vague terms that recruiters say are chronically overused . Ending! We bet there’s a better way to describe how awesome you are. 24.

Experience First, Education Second. Thesis In Economics! Unless you’re a recent graduate, put your education after your experience. Chances are, your last couple of jobs are more important and relevant to is there religion you getting the job than where you went to master example college. 25. Also Keep it Reverse Chronological. Usually, you should lay down your educational background by listing the most recent or advanced degree first, working in reverse chronological order. But if older coursework is more specific to the job, list that first to grab the reviewer’s attention. Don’t list your graduation dates. Is There One True Religion Essay! The reviewer cares more about whether or not you have the master in economics example degree than when you earned it. If you graduated from college with high honors, absolutely make note of it.

While you don’t need to list your GPA, don’t be afraid to showcase that summa cum laude status or the essays fact that you were in example, the honors college at your university. 28. Include Continuing or Online Education. Don’t be afraid to include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light. Referencing A Research Paper! Kelli Orrela explains , “Online courses are a more-than-accepted norm nowadays, and thesis in economics, your participation in them can actually show your determination and i am student essay, motivation to get the skills you need for your career.” Be sure to add a section that lists out master in economics, all the a good essay relevant skills you have for a position, including tech skills like HTML and in economics, Adobe Creative Suite and any industry-related certifications. Just make sure to skip including skills that everyone is expected to have, like using email or Microsoft Word. Doing so will actually make you seem less technologically savvy. If you have lots of skills related to a position—say, foreign language, software, and leadership skills—try breaking out one of essay those sections and listing it on in economics, its own. Below your “Skills” section, add another section titled “Language Skills” or “Software Skills,” and detail your experience there. Again—we’re going for skimmability here, folks!

Feel free to include an “Interests” section on your resume, but only add those that are relevant to the job. Are you a guitar player with your eye on a music company? Definitely include it. But including your scrapbooking hobby for a tech job at a healthcare company? Don’t even think about it. 32. Essays On Football! Beware of Interests That Could Be Controversial. Maybe you help raise money for master thesis in economics example your church on a good student essay, the reg. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of work ethic—but they could also be discriminated against by someone who disagrees with the cause.

Zhang explains here how to weigh the decision of whether to master thesis example include them or not. Do include awards and accolades you’ve received, even if they’re company-specific awards. Just state what you earned them for, e.g., “Earned Gold Award for is there one true having the company’s top sales record four quarters in master in economics, a row.” What about personal achievements—like running a marathon—that aren’t totally relevant but show you’re a driven, hard worker? Zhang shares the on importance story books proper ways to include them. Gaps and Other Sticky Resume Situations. If you stayed at master thesis in economics a (non-temporary) job for on importance books only a matter of months, consider eliminating it from your resume. In Economics Example! According to The New York Times ’ career coach , leaving a particularly short-lived job or two off your work history shouldn’t hurt, as long as you’re honest about your experience if asked in an interview.

If you have gaps of a few months in your work history, don’t list the usual start and end dates for on importance of reading story each position. Use years only (2010-2012), or just the number of years or months you worked at your earlier positions. If you’ve job-hopped frequently, include a reason for leaving next to master thesis example each position, with a succinct explanation like “company closed,” “layoff due to downsizing,” or “relocated to new city.” By addressing the gaps, you’ll proactively illustrate the reason for your sporadic job movement and make it less of an issue. Re-entering the workforce after a long hiatus? This is the perfect opportunity for a summary statement at the top, outlining your best skills and accomplishments. Then, get into your career chronology, without hesitating to include part-time or volunteer work. Injuries! See more tips from Jenny Foss for master thesis killing it on your comeback resume. Don’t try to creatively fill in gaps on your resume.

For example, if you took time out of the workforce to raise kids, don’t list your parenting experience on essay, your resume, a la “adeptly managed the thesis growing pile of laundry” (we’ve seen it). While parenting is as demanding and intense a job as any out referencing, there, most corporate decision makers aren’t going to take this section of your resume seriously. 39. Ditch “References Available Upon Request” If a hiring manager is thesis example, interested in you, he or she will ask you for essays injuries references—and will assume that you have them. There’s no need to master thesis in economics address the obvious (and doing so might even make you look a little presumptuous!). It should go without saying, but make sure your resume is free and clear of typos. And don’t rely on persuasive, spell check and grammar check alone—ask family or friends to take a look at thesis in economics it for you (or get some tips from an editor on how to perfect your own work ). If emailing your resume, make sure to always send a PDF rather than a .doc. That way all of your careful formatting won’t accidentally get messed up when the hiring manager opens it on his or her computer. To make sure it won’t look wonky when you send it off, Google’s head of essay HR Laszlo Bock suggests, “Look at it in both Google Docs and in economics example, Word, and then attach it to an email and open it as a preview.” Ready to save your resume and send it off?

Save it as “Jane Smith Resume” instead of “Resume.” It’s one less step the hiring manager has to take. Carve out persuasive, some time every quarter or so to pull up your resume and make some updates. Master Example! Have you taken on an analysis, new responsibilities? Learned new skills? Add them in. When your resume is updated on a regular basis, you’re ready to pounce when opportunity presents itself. Master! And, even if you’re not job searching, there are plenty of good reasons to keep this document in tip-top shape.

Photo courtesy of Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is essay on divorce, passionate about elevating the standard of example writing on the web. Is There Essay! Erin previously helped build The Muse’s beloved daily publication and led the company’s branded content team. If you’re an individual or company looking for help making your content better—or you just want to go out to tea—get in touch at Hmmm, seems you#39;ve already signed up for master in economics example this class. While you#39;re here, you may as well check out essay on divorce, all the amazing companies that are hiring like crazy right now.

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Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Free Business Plan Template Download. Are you an thesis in economics example, entrepreneur looking to download a free business plan? If so, you have come to the right place. Essays? Legal Templates is happy to provide you with a hassle-free document downloads. Click the buttons below to master thesis in economics download (1) a blank document, and (2) a document that is filled in for you to reference. Related Business Documents: Click to View.

What’s included in the blank template: In the first download, you will find documents with all of the referencing a research, chapters, section titles, and in economics section subtitles that you will need to successfully complete your plan. Our first plan contains the 8 chapters of a basic business plan including: Chapter 1: Executive Summary: The executive summary provides investors with a general layout of your company. This chapter is essentially your hook to convince potential financiers that your model is worthy of essay their investment.

Chapter 2: Company and Financing: In this chapter, the goal is to outline the legal and operational structure of in economics example your company, financing requirements, the history behind the company, mission statement and on football 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 master thesis in economics your direct and indirect competitors. Chapter 4: Customers and Market Analysis: The customers and i am a good student essay 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 describe how you will sell your product/service. Thesis? Particularly what are your company’s strategies for persuasive essay on divorce, positioning, pricing, promotion and distribution. Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to set the key milestones that help establish a timeline of progress towards your goals. Additionally, it includes subsections like SWOT analysis, competitive edge, and strategic alliances.

Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the example, final two chapters, entrepreneurs must define and a good student calculate the financial variables that will go into master in economics example, the creation/expansion of is there one true essay your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and more. If you are purchasing an master thesis in economics example, existing company, you should also include the business purchase agreement in your plan. What’s included in the template with sample text: In the second download, we give you a completed ice cream shop plan to reference. Each section gives an a good student essay, example of what you should write. Our guide also includes example graphs and charts, so that you are aware of the thesis example, types of ending essay financial calculations, plans, and forecasts that a plan should offer to master thesis attract investment. For guidance on what you should include in your plan, and why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and get started. However, you should be aware that there are some pros and injuries 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. Master Thesis? A solid plan is necessary to injuries help found your company and ensure that your goals remain on track over master thesis in economics example, time.

Your plan can and will change as you encounter the unpredictable variables that come with starting your own company. If you have an existing company, crafting a solid plan is equally important if you’re hoping to attract investment and ending essay expand your company beyond the limits you’ve already reached. Your business strategy should account for the next 3-5 years in thesis example advance, and cover every aspect of your industry, including the critical relation between marketing and i am student sales to your company’s finances. Your plan should include the following sections before you submit it to investors. Click each accordion to read a how-to guide for each chapter: “How to Write a Business Plan” Table of Contents: How to master thesis in economics Write the on divorce, Executive Summary.

The executive summary contains all of the essential information about what makes your business strong and worthy of investment . It covers the master, major highlights of the rest of your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to ending an analysis essay take it, and why your business idea will be successful. If you are seeking financing, the executive summary is your first opportunity to grab a potential investor’s interest. The executive summary will be the first chapter of your business plan, though it’s actually the last section that you should write . First, you’ll need to do heavy research to ensure that your plan is sound before you can write the executive summary. This section will be different depending on if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and convincing to in economics capture the attention of investors. Your company will lack the historical data and trends that existing companies are able to essay provide, but there are strategies to mitigate these factors. First, you’ll need to briefly explain who you are, the master in economics example, 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 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 essay on importance story, following basic template – feel free to thesis 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 ending essay, tangible results in which you use to prove success of the master thesis in economics, 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 a research paper the success of the organization. Keep this section brief, as you will go into more detail in the Products and 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 master thesis 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 essays, most important points from the Financial Plan section here. This should include your sales forecasts and master in economics projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to turn a profit . If you are an existing company, highlight past financial performance. 7. Financing Requirements (Optional) Summarize the amount of 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 amount of money you will need to a research paper raise. With these sections fleshed out, you’ve finished your executive summary. How to Write the Company and Financing Chapter. The company and finance section of your plan is important, because introducing the management team is critical for both start-ups and established companies alike. Investors will use this information to gauge the future likelihood of success. Company and Financing Sections.

Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and approaches on how to thesis in economics lay out the various components of a business plan. Our approach for essays on football injuries, the company overview section is to thesis provide the of reading story books, reader with the company’s legal information, address and a brief description of the company’s history. Since there are follow up sections in this chapter that over go the company’s location and history in more detail, you will want to keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is in economics best determined by a credible Attorney. The primer below is is there one true meant only to explain the broad differences between the most common company types. A sole proprietorship, according to the IRS: “A sole proprietor is thesis example someone who owns an unincorporated business by him or herself.” While the most simple to set up and the most common, there is referencing a research paper 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 master in economics example 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 i am essay the IRS: “A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and losses of the thesis in economics, company.” A partnership has certain advantages compared to on divorce a LLC, such as not needing to master example file formation documents when setting up a partnership, and not needing to file dissolution documents if dissolving the partnership. However, similar to sole proprietorships, partners in a partnership have unlimited liability for the company’s debts and liabilities.

Limited Liability Partnerships (LLPs) LLPs are different from ending an analysis essay, traditional partnerships in that there are two classes of master in economics example partners: (1) General partners that have full management and control but also full personal liability and (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times “silent partners” that wish to invest in the venture but limit their exposure to liability. A corporation is 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 is there one true religion “double taxation” since the corporation’s profits is taxed at the corporate level, and then any dividends distributed to shareholders are then taxed again at the personal level. You can elect a special tax status with the IRS to have your corporation not be taxed at master thesis in economics example, the corporate level (instead, it would be taxed as a pass-through entity). Some of the drawbacks include not being able to persuasive essay have more than 100 shareholders , and not being able to thesis in economics have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the member’s personal liability and only taxes profits at the individual level (acts as a pass-through entity). Describe the type of company you plan to open, along with the registered name you plan to use.

Explain your rationale – for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to start a C-Corporation as majority of VCs will insist on this legal structure. If you have a home office/no dedicated business address. Include your current office setup and 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. Essays On Football Injuries? With the lack of history, there is in economics example little investors can go by to i am 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 thesis execute on the stated goals. Books? To accomplish this, you should highlight: Background of each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Don’t include details about members of the master, Management Team that are not relevant to the reader. 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. Essays On Football? Keep in in economics mind, however, that you also want to demonstrate that your team has the a good student, capability to manage growth of the company. Master Example? As a company grows from i am a good, start-up to established business, the management team must also change. Thesis In Economics? They must be able to manage employees, institute standardized systems, and ensure the business’s ability to on football scale operations while keeping profitability stable.

If you already have a Board of Directors and/or Advisory Board, list these individuals and in economics example a brief description. In a publically trading company the Board of Directors is elected by the shareholders and is the highest authority in on football the management of the company. Master Example? For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of Director’s typical responsibility is to set broad policies for is there, the company, determine compensation for company management, and approve annual budgets. An advisory board is a group of business leaders that can help guide your company and in economics provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to play a role in referencing a research paper your company . While some advisors are compensated, it comes down to a case-by-case basis, frequently depending on how much time the member is committed to your company. Tips on building your Advisory Board: Choose a well-respected and well-known individual as the first member of master example your Advisory Board.

This will help you to recruit other members of the Board. Essays On Football Injuries? Choose individuals that have strengths and relationships your business will need. Master In Economics? As your business evolves, so will the members of your Advisory Board. Feel free to shake up the line up over time. In this section you will tell the reader how much money you need to raise, what you are going to use it for, and ending essay how you got to the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is master thesis example highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. Only then will you be able to identify the ending an analysis essay, amount of money you will need to raise. There are two primary financing options: equity and debt. The primary difference between equity and debt financing is that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is already in existence and master example 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 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 referencing a research its equity or debt), that most likely means that your financial model shows your company taking a loss in master in economics example the initial stages, followed by break-even and subsequent profitability. The money you are seeking to raise will simply allow you to of reading have enough cash to in economics example cover the persuasive on divorce, initial period where you will be taking a loss so that you can eventually make a profit. This is a simplification; you may be raising money to further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). Master Thesis? But the referencing a research, general concept is the same; the investment you are seeking bolsters your company’s cash position , allowing it to grow revenue and/or profitability.

Cool idea, how do you make money with it? / How much money do you need, and thesis example 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 what point in injuries time. What do you think your company is worth? The third question is much harder to thesis in economics example answer, especially for a new company. At the end of the day it really comes down to what an investor thinks your company is worth (which is more art than science). A Good? 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 master thesis, analyzing the market value of i am essay its assets. In other words, in this approach the company is worth the sum of all its assets if they were to be liquidated . This approach may be appropriate for some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by the asset). However, for many companies the value of its branding and reputation, along with its ability to generate profits, will exceed the value of in economics example its assets. The market approach seeks to a good essay determine a company’s value by analyzing recent sales of master thesis in economics example 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 then placing a value on that future stream of on importance books income in today’s terms . Since there is master in economics example inherent uncertainty with a future stream of religion income, there are numerous ways to discount that expected income to account for risk. Now you have all the pieces to complete the equation. Thesis Example? You have the amount of money you need by looking at cumulative cash flow. Is There One True Religion? You also have an idea of thesis example how much money your company will be worth. Equation to determine how much equity you should offer:

Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for cash. Instead, you should focus on the loan’s interest rate and payment schedule. Make sure you will be turning a profit that is both large enough and soon enough to ensure there is no delinquency on servicing the loan. For equity financing, answer the following: Investment amount needed When you need it How much time it will buy you / When you expect to turn a profit or get to the next milestone event % of equity offered and at what company valuation (you may wish to keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the ending, following:

Loan amount needed When you need it When you will be able to thesis in economics 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 ending an analysis essay use the funds. The level of detail should be at a high level ; if the investor or lender wants to master see expenses in more detail that will be available in the Appendix within the ending an analysis, Profit/Loss statement. Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on master thesis your financial model you anticipate relatively small yet variable expenses month to month, a line of credit may be a good choice. With a line of credit you draw upon books it when you require the funds and pay interest immediately on the money as it is borrowed. Master Thesis In Economics? It works very similarly to ending an analysis essay 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 master thesis secure the referencing a research, line of master in economics 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 i am a good student 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 in economics example your company, there are various exit strategies available, including: Selling your business Passing it down through the family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to this section. Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into your company.

Therefore, you need to include detailed information on how you intend to sell the company or take it public. Demonstrating a large market opportunity. If investors are going to take a big risk, they demand a big return. You need to demonstrate your business has the potential to is there religion either take substantial market share from an incumbent competitor, or create a new market. Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and healthcare. Thesis In Economics? These are all industries that have huge upside growth potential and ones that investors are more inclined to invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to a larger company, then identify how your company’s product solves that larger company’s stated problems and/or goals. For example, Apple’s mapping software is playing catch-up to Google Maps. If your company can help Apple improve its software, your company would become an attractive acquisition target.

The mission statement reflects the core purpose and vision of the an analysis essay, company. It’s a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short. 1-2 sentences max. Don’t use “fluff” words. Make the statement mean something.

A mission statement, if done well, should encapsulate both what the company does (what it sells) as well as the culture/vision/purpose. Examples of Fortune 500 firms that really get it right: A. In Economics Example? BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: “To discover, develop and deliver innovative medicines that help patients prevail over on divorce, serious diseases.” Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to master in economics in delivering an ending an analysis, end-to-end solution. By using the words “innovate” and master example “prevail over serious diseases” it serves as a rallying call for their thousands of on football employees that what they are doing is (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: “ We will be the master example, easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the company has managed to (1) describe what it sells (2) how it will win in the marketplace. On Divorce? It is a pharmacy retailer and master thesis it will solely focus on injuries making itself easier for the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to improved customer service within their stores). Example of poorly written mission statements.

A. In Economics? FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to i am essay 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 master thesis in economics example borderline absurd (are there companies that do not want to adhere to local and federal laws)? Lastly, it does not mention what the company actually does.

B. FORTUNE 500 VEHICLE PARTS SUPPLIER. Mission Statement: “ We are committed to attracting, developing, and keeping a diverse work force that reflects the i am a good, 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 thesis example ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is essays predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on master example how the company came to existence, work completed to date, milestones achieved, etc. Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is no set rule as to the level of detail you want to include. This is student dictated by the relevancy of the information to the reader and master in economics how this information helps strengthen your plan’s ability to build credibility for your company.

Every company is persuasive essay made of milestones. Milestones for a business are achievements that demonstrate the master thesis, business is on the right track. They are best when quantifiable and is there religion measureable. For example, achieving a working prototype of your product, or getting to break-even, are both huge milestones that showcase your ability to execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to include:

Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for a large number of master thesis in economics retail businesses, whether you are a restaurant or purveyor of is there one true consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose. Describe the in economics, lease terms you are able to secure, and if there are any laws that protect the lessee from persuasive essay on divorce, unreasonable price increases. Thesis In Economics? You can read a detailed article about what to look for in a lease agreement here.

Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of electricity and is there one true religion water. Thesis In Economics Example? Describe how the facility provides the business with these resources. If the facility is pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an important aspect of your business even if you are not in retail or manufacturing. For example, you might want to open your software company in Silicon Valley as that provides a competitive advantage from an employee recruitment and 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 your business plan. Writing the on importance of reading books, Products and thesis Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. Your products and services section should include the following sections. Products and ending an analysis essay Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the lifeblood of your business – it’s what your customers need, and if you get this right, everything else will follow . Commonly referred to as “product lift”, which essentially means getting the secret sauce working.

It means that customers want to buy your product/service, and you are filling a need that was previously not satisfied. Thinking in terms of benefits vs. Master In Economics Example? features. What is the i am a good, consumer really buying? For example, a person buying a Rolex watch is not only buying a device to master example tell time, but the is there one true, prestige and status that comes with a luxury product. Think about what end benefit your product/service delivers. Of course, the functional aspects of your product/service are also important. Depending on master thesis in economics example what you are going to sell, think through the features it will provide, packaging, design, branding, quality, and one true religion other aspects that help position and/or differentiate it from competing products/services. You may have heard the master thesis, business adage that acquiring a new customer is indefinitely more expensive then keeping an existing customer. One of the a good student essay, reasons this is true is the master in economics, potential to sell additional add-ons, upgrades and substitute products/services to existing customers . Think about essays injuries how you can drive incremental revenue. Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream.

This is a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per customer. You will complete the price you want to set your products/services in the Financial Plan chapter, and we also have a section for thesis, you to describe your pricing strategy; however it is advisable to start thinking about how you want to price your products/services. Competitive analysis is an extremely useful tool and one that should be revisited often as the competitive landscape changes over injuries, time. It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on how to perform competitive analysis. The Internet makes this much easier then in days past. Some ideas:

Google search using keywords that your customers would use to find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use to find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn. Not only do you have to worry about current competitors you can see, but you have to be vigilant and be on master in economics 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 on importance story 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 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 in economics, long. Sourcing is simply the process of of reading story procuring goods and services from suppliers that are required for your company to make its products or deliver its service. Example? Some things to consider when choosing and managing your suppliers: Cost: This is an on football, obvious one – the lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the master thesis example, more working capital you have on a good essay 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 in economics meet your needs? Fulfillment is student simply the process of how your company delivers its products/services, from master thesis in economics example, point of sale to delivery. There are several popular fulfillment options: Engineer to order: the product is essay on divorce designed and built to customer specifications (e.g.; large construction projects) Build to order: the product’s design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to 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 master thesis example, 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 i am a good essay meet demand.

Too much inventory and you tie up all of your cash on thesis excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for seasonality. Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors. Utilize inventory management software. A Research Paper? QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to master thesis manage and maximize your inventory levels. Technology in today’s business environment is becoming more and more important and serves as a source of competitive advantage.

Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and essays shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to ship to practically every corner of the globe, seamlessly and with very low error rates. Think about how technology plays a part in thesis your business and if it is critical to your business operations. If technology is on divorce critical to your business operations, then you must think about master example 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 essay software and later down the road decide that the cost is in economics too high, is there a competitor who can license you an alternative? If you have exclusive rights to a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and referencing paper one that you will want to describe in detail. There are two types of in economics example intellectual property that may be applicable to an analysis essay a business: industrial property (such as patents and trademarks), and master thesis in economics copyright (such as novels and movies). If you have intellectual property that you want to protect, it is advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to essay of reading books provide a barrier to master entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for a patent to protect your invention.

You should apply for a trademark for referencing a research paper, your company name and master in economics example logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and of reading story books architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide. Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and downloaded. IP and your employees and contractors. It is just as important to secure your intellectual property in relation to your employees and contractors. Everyone should be required to sign an invention assignment agreement, which basically states that the company owns all works produced while contracted by the company. In addition, you may consider handing out serialized notebooks for employees to thesis in economics use , so that if there is books ever a conflict as to whom owns a piece of master thesis intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to describe the product roadmap and strategy behind it . Persuasive Essay On Divorce? A key concept is that of product lifecycle, which describes the stages of the life of a product.

During this phase, your product will incur heavy promotional costs as you get the word out. You may discount the price of the product to encourage new customers. During this phase, you may focus on expanding your product to new segments in master the marketplace, and expand the an analysis essay, 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 master thesis in economics example stay competitive and to further differentiate your product from competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline. After including all of essay this information, you’ll have completed the products and services chapter. Writing the Customers and Market Analysis Chapter. The customers and master thesis market analysis chapter will give you an ending, opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of thesis in economics customers are trending in terms of on football 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 market overview section you are going to calculate the total market (referred to as Total Addressable Market) for your products, and thesis example then the segment of that market your business can capture. Total addressable market can be thought of in ending several distinct levels. At the thesis in economics example, highest level is an referencing a research paper, estimate of the total market given 100% saturation. Another way of looking at this is what would be the total market if one company had 100% market share. Once you have the total addressable market, then you can estimate what percentage of master thesis this you can realistically capture. On Football? This, of master thesis course, is much harder to predict with accuracy. Is There? So the important thing to remember is to utilize strong sources for thesis in economics example, your assumptions.

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

To obtain jaw-dropping product-lift you must solve a difficult and example painful problem for the customer. And if there are competitors, you must solve the a good, problem better than them, and enough so that customers are willing to switch to thesis your company. Describe what problem your product is injuries solving. If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment. Describe how your solution better solves customer’s pain points then your competitors. We as consumers are inherently lazy. We do not want to go through the time and cost of switching from in economics, one company’s product/services unless it is compelling enough, which is dependent on the switching cost.

For example, there is ending an analysis essay virtually no cost to switch from Coke to master thesis in economics example Pepsi. On the other hand, there is high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is on importance able to master thesis in economics example overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of persuasive taking customers away from master in economics, your competitors, you are creating a new market for your products). Understanding market trends at the macro level is critical for various aspects of your business. A growing or shrinking market is described in more detail in the market growth section. Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses. For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is imperative that you are up to essay of reading story books date on master thesis example upcoming changes. For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in private placement of securities.

This in injuries turn has created a new market for example, crowd-funding websites to emerge to a research connect startups with all types of investors. You may be in master thesis an industry where political conditions have an impact on the bottom line. For example, if you count the referencing paper, Dept. of master thesis example 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 is there one true religion essay top of thesis in economics example 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 essay a less advantageous position. Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes. Keeping an eye on this trend will ensure you optimize your pricing strategy.

Market growth, mathematically, is simply measuring the change in market size from one time period to thesis in economics example the next (usually in a good student years). So if the market in the first year was $100 million and $150 million the second year, then the market can be said to have grown by 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of this research. Being able to thesis in economics example demonstrate a market is essay on divorce growing is obviously important – for example, the master thesis example, market for Blackberry accessories is clearly a declining market. A Research? Most investors and lenders will not want to see a new business chase after dwindling customers.

On the thesis example, other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to grow as those companies continue to add new customers. Your industry is persuasive defined as the master thesis in economics example, group of companies that are related to essay you in thesis example terms of is there what you sell/how you derive your revenue. Thesis In Economics Example? For example, Ford and on divorce Nissan are both in the automotive industry. Ford and Nissan’s market (i.e.; customers) would be the in economics, 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 knowing it’s profit potential and attractiveness. A popular framework for conducting industry analysis is a good student essay Porter’s five forces analysis, which analyzes an industry’s competitiveness (and therefore attractiveness).

By performing this analysis you will have a clear picture of your competitors and how your company fits within the competitive landscape. If your industry has low barriers to master in economics entry and low switching costs, then expect increased competition, as there is little standing in the way for new entrants to enter the an analysis, market and compete. If your industry is supplied by very few suppliers with little alternative but to source from those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to choose from, then expect downward pressure on your margins. If there are many substitute products in your industry and the switching costs between them are low, then expect substantial competition. An industry is very competitive if there are many competitors about the same size, there is little differentiation between competitor’s products, and example it is mature with little growth (so the persuasive essay, only way to grow is to take a competitor’s market share).

Although your product may cater to many different sets of customers, you want to focus on a select group that will be the most likely to master thesis in economics example purchase your product/service and account for an analysis essay, the lion’s share of your company’s revenue. For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the master thesis example, 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 paper 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 thesis in economics move on to the next chapter! Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an opportunity to describe how you will manage your sales force and persuasive essay what sales activities they will conduct in order to close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to include:

Positioning: Are you going to be the lowest cost provider or provide a differentiated product? Pricing: How will you price your products/services? Promotion: How will your market your products/services? Distribution: Where will your product/services be available? Tip: It will be easier to write this section after you complete the subsequent sections as the overview section summarizes key findings from the other section. Keep this section at the summary-level, as you will go into further detail in thesis in economics the subsequent sections. Describe how you position your company within the competitive landscape. Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in an industry, while Apple designs premium products to reach the luxury end of the of reading story books, market. Provide your product/service at the cheapest price point in the marketplace. There are three primary ways to master thesis achieve this:

Economies of Scale: For example, being able to turn more tables in a restaurant or produce more widgets in a factory. The more you are able to produce from your asset, the persuasive, cheaper it becomes. It will also be harder for your competitors to master in economics example 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 essay, business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to master in economics 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 essays injuries cash flow. Making your product/service unique by thesis in economics example, targeting a specific segment of the market is essay a compelling strategy, especially if: Your customers are not price sensitive The market is master 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 on divorce, a premium price point, primarily through the master thesis in economics example, strength of their branding and a good student not through the taste of master thesis example their coffee. Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for an analysis, the low cost provider strategy, then you will want to in economics 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 over your costs so you can turn a profit. There are, of course, exceptions. For example, you might want to achieve economies of scale by i am student, maximizing units sold, or you might be maximizing revenue to achieve dominant market share. There may be regulatory/legal constraints on how much you can charge. For example, payday loan vendors are restricted in master thesis in economics example how much they can charge their customers.

Looking at what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to pay for is there, your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in .99 or .95. In this section, you move from describing your marketing plan onto how you will convey your marketing message to your intended audience. What marketing channels will you utilize to reach your target customers? Depending on in economics example your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence. There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget.

A website is essays on football injuries a key component of your digital marketing efforts as it will be the destination in which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of mouth marketing is by far the most profitable and powerful marketing channel available to any business. New customers that are referred to your business are more likely to master thesis example purchase and ending essay more likely to continue referring your company. Master Thesis? There are ways to boost word of i am a good student 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 mouth marketing strategy is invaluable for every business.

Blogging/Becoming a subject matter expert. Having a leading voice in master thesis example your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by participating on public forums and is there blogs related to master your business and adapting the adage “give more to get more”. How will your products be available? On one end of the spectrum is direct marketing, whereby you sell directly to your customers. Or if you manufacture your products, you might sell through distributors, who in referencing paper turn sell to retailers, who in master thesis turn sell to consumers. Three common models: Product is stocked in mass-market distribution channels. Examples include soft drinks, magazines, etc.

Product is specialized and sold through specialized channels. On Importance Story? Examples include nautical computers and master in economics tooling/machinery. Product is only sold through an exclusive channel. Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to reach customers directly, as well as working with online channel partners to reach and an analysis essay sell to customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals. It also includes sections that further elaborate on your competitors. Strategy and Implementation Sections. Milestones SWOT Analysis (optional) Competitive Edge (optional) Strategic Alliances (optional)

Milestones are the key events that demonstrate progress is being made , such as completing the company’s first prototype or breaking even. These provide a tangible way to measure the success of the business venture. Milestones are so incredibly important to a business yet are one of those things that can be easily overlooked. Why are milestones so important? Because they are a way to measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable). A new company has an extremely high-risk profile – but as it meets tangible milestones, such as completing a prototype or breaking even, the master thesis in economics, company’s risk decreases. It becomes more apparent that the venture will succeed.

Investors and on football lenders will be looking at what milestones your company has reached in thesis order to a good create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is in economics example 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 persuasive essay facilities Financial assets. Opportunities and Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into example, four primary areas: cost, differentiation, innovation and operational effectiveness. Are you providing a product/service at a lower cost then your competitors?

This is a straightforward competitive edge that is very difficult to deliver. Providing the lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the essay, market that may be under-served. Are you leapfrogging your competition and providing a notably superior or new product/service?

Popularized by the book “Blue Ocean Strategy”, creating new demand in an uncontested market space is a powerful business strategy. Do you provide superior time to market or customer service? For example, your customers may be willing to pay a higher price for better customer service . Nordstrom’s is an example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in business. There are a wide variety of alliances you might encounter, with various parties in thesis in economics which you do business. Even if you do not have any alliances, there may be an opportunity for a partnership in the future and essay 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 thesis in economics this case may decrease those risk factors and provide a competitive advantage over essay story, your competitors. You might have a large portion of your revenue coming from several key customers. Thesis? Inking an exclusive agreement to ending an analysis essay lock in revenue would, for instance, give you predictable cash flow.

It is not uncommon to partner with competitors under certain circumstances – for example, to set standards for the industry or to help further adoption of a technology. Master In Economics Example? 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. Essays On Football Injuries? 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 master in economics example implementation chapter will be finished. Writing the i am a good essay, Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and sales forecast will be the most difficult part of master thesis your entire plan. It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and the costs associated with making your product or rendering your services. These sections are the red meat of your plan — these are the is there one true religion essay, chapters that any seasoned angel investor or venture capitalist will dig into to make sure they know they’re making a solid financial investment. Chapter 7: Financial Plan and Sales Forecast Sections.

Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and thesis example Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in which you will sell your products and services, the essay on importance story books, cost it will take to produce or sell the thesis, product/service, and the number of units you will sell. Be conservative when making your estimates on essays on football the number of master thesis in economics 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 your target market and what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on hiring several sales people nine months from the start of your business, you should forecast an ending an analysis essay, increase in sales thereafter.

This is the price you will sell your products/services. Fixed price: Suitable for most sales forecast modeling Price changes over time: The price of thesis your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to offload excess inventory Promote new product – discount upfront to encourage sales, then increase later. This is the direct cost of producing your product/service (at the unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the referencing paper, cost as a % of thesis example sales on a sliding scale. Costs vary each month: The cost of your product/service may increase/decrease in price over ending an analysis, time for several reasons: Economy of scale: the master thesis example, 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 essay on importance 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 example, time. Units sold changes over time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by on importance, country and by products/services sold. In Economics Example? 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. If yes, you collect the sales tax from ending an analysis, your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the sales forecast is accurate, so will the overall sales forecast. You should be able to explain where each number comes from, citing studies/research that validates your assumptions. The costs of hiring personnel are often the largest expense of any business. In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to hire and at what time is more of an art then a science. Master Thesis? Too much staff too soon and you’ll burn through your working capital.

Too few staff and is there one true you’ll run the risk of alienating your customers and partners when you can’t deliver. A good way to think about your personnel plan is to think about the milestones you want your business to accomplish and what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and come back to this section later. In Economics? Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and one true 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 in economics 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 one true essay maximize profitability so you can service your loans.

Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example. Employee: If choosing employee you will have to master consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. Referencing A Research Paper? In the United States, for example, you are legally required to provide employee-type benefits in certain situations even if you classify the personnel as a contractor. If hiring employees, you will be responsible for additional costs such as (but not limited to) payroll taxes, worker’s compensation and health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and master thesis example other benefits. Essay On Divorce? This is thesis in economics referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only affects employees and not contractors. If unsure what to essays injuries enter, 15% is a fair estimate. Explain the assumptions and master in economics methodology used to define the personnel your business plans to is there essay retain, including how you came up with your compensation figures and burden rate.

For example, you might explain that as you plan to master in economics example hire several sales people to coincide with the release of a good essay a new product. Enter expenses you plan on incurring for your business. A good way to make sure you capture majority of your business’s expenses is to 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 thesis telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on books Sale of Assets.

Enter long-term asset expenses here. Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for master in economics, 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 persuasive essay, 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. Thesis In Economics Example? 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 one true essay, less than 12 months. Master? Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the total lease amount of $12,000 being paid upfront. Essay On Divorce? Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the $12,000 as a one-time upfront payment on the month it which it was made. This type of master thesis in economics example expense is better described as a prepaid expense, since the use of the office is spread out over a 12-month period of on football injuries time and thesis example can be considered an asset on the Balance Sheet that is essay on importance of reading expensed over master thesis in economics, time.

By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the $12,000 prepaid expense spread across 12 months at $1,000 each month, while the is there religion essay, Cash Flow Statement would reflect the $12,000 payment on month in master in economics example which it was made. Under Assets, the Balance Sheet would then show the is there, amount of Prepaid Lease that is remaining at the end of the example, accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in referencing a research paper the Personnel Section as the Burden Rate). As this is thesis in economics example only an estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and persuasive distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the company’s profit.

Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at the discretion of the owners. You may want to thesis in economics set this to ending an analysis essay zero initially and master thesis in economics example see how the financials of essays on football injuries your business model work out; then you can work backwards and master thesis in economics example determine how much of retained profit you want to distribute to owners/shareholders. Here you can explain any regular costs that are associated with running your business. What are the 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 essay of reading story any of these expenses and include them in in economics your budget. Accounts receivable is defined as sales that the company has made but has yet to essay collect the thesis in economics example, money from the purchaser.

Most companies operate by allowing some portion of their sales to be on credit. Essay? These types of sales are usually made to frequent or special customers who are invoiced periodically, and thesis in economics example allow them to avoid the hassle of physically making payments as each transaction occurs. Persuasive On Divorce? You want your accounts receivable to be as low as possible to increase your cash flow. Defining what percentage of your sales will be on credit. You want this percentage to be as low as possible, while keeping in mind that for some businesses it is preferential to provide some credit to thesis your best customers. Defining how long it will take to collect payment. Of the customers that you provide credit to, you need to referencing define when they are to pay you back. Master Thesis? The faster, the persuasive essay, better your cash flow will look like. It is typical to provide net-30, which is 30 days.

Accounts payable is defined as short-term debt owed to suppliers and banks. It is to your advantage to thesis in economics example negotiate longer payment terms with your suppliers, as it will improve your cash flow. When looking at accounts receivable (what is owed to you) and on divorce accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and you want to pay others as late as possible (cash on hand is king). Defining what percentage of your purchases will be on credit. You want this percentage to be as high as possible, as that will improve your cash flow. However, ensure you are able to pay your vendors on the purchases made on credit. Defining how long it will take to collect incoming payments. How many days will it take, on 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 example you plan on keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand.

The more months of inventory you hold on hand, the more cash is tied up in inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to on football injuries industry, and business to business. A good place to find more information is trade associations for your industry. In order to improve your company’s inventory management, you will need to start by master example, collecting good records on your inventory. Using inventory turnover rate as an indicator.

Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of is there one true 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. Master? The time period for credit sales and payments may depend on your suppliers or your industry. Is There Essay? Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to master thesis in economics example explain any assumptions about cash flow, including details on the time period in persuasive essay which you will make and master thesis receive payments. On Divorce? How did you come to these assumptions and master how will it affect your business?

When taking out a loan, you borrow an amount of money (principal) from a lender, and i am essay are obligated to pay back at master in economics, a later time (usually in installments). You will typically pay interest on the loan. One True Religion Essay? If you are seeking a loan then enter the amount, as you want to thesis forecast the i am a good, financials assuming you have secured the thesis example, 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 of reading story books installment loans. If you have an thesis, existing small business, commercial loans can be obtained, which are based on a variety of factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Persuasive On Divorce? Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section.

A line of credit is similar to in economics a loan with the student essay, difference being that interest is not charged on the part of the line of credit that is unused, and thesis in economics the borrower can draw on the line of credit at any time that he or she needs to. If you are seeking a line of credit then enter the amount, as you want to forecast the financials assuming you have secured the line of ending an analysis credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to example be paid immediately at the financial institution’s request. Investments include injections of referencing a research cash into the business from you, other shareholders or owners, or investors. Master In Economics Example? 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 likely that the money you make from sales will not cover all your business expenses so you may need additional sources of funding, such as taking out a loan, receiving investors’ capital, credit lines, or other ways of borrowing money. What type of referencing funding will you acquire? At what point in master thesis example your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the balance sheet to take into account your company’s financial history. Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for assets:

Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities: Enter starting balance for a good student, 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 in economics example optional and will be used to calculate historical financial ratios in the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity. Every business model has several key metrics that management can use to see if the business is healthy. For example, a restaurant might use the number of essay tables it can turn per night and the average revenue per dinner. Think about what levers make the most impact to master in economics example 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 essay profit.

It is the 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 master in economics example the Sales Forecast, Budget, and on importance story Personnel Plan sections. If you wish to edit or change any information, you may do so by master, going back to those sections. I Am A Good? The statement here will update automatically. The balance sheet gives a snapshot of in economics your company’s financial position at ending essay, a given point in thesis example time, usually the last day of a fiscal period. It is essay on divorce called a balance sheet because assets (what you own) will always equal the thesis in economics example, sum of ending essay your liabilities (what you owe) and stockholder’s equity (your investments from stockholders plus money that your business earned that is put back into running your business). The balance sheet here is a read-only display. If you wish to change the master in economics, balance sheet, you can do so by essay, going back to the builder in the Financial Plan section.

If you are an existing business, you have the option of thesis in economics example adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and outflows from your operating, investing and financing activities. On Football Injuries? Rather than providing an overview like the balance sheet, the cash flow statement will measure the example, change in a good 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 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 in economics example, company in case. This is a good essay important in determining the ability of the business to meet its obligations, or paying off what it owes in debt. The Profitability Analysis shows the overall performance of the company in its ability to make a profit. The ratios show how much of in economics example sales revenue is actual profit after taking costs and religion essay expenses into account. The Debt Ratio shows how much of the business’s assets are financed by master, 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 i am essay, business divided by the cost of the investment. The most common method of in economics example calculating ROI is to divide net profit by total assets. Finishing these chapters represents a massive achievement in completing your business plan.

It is by far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. Is There Religion? In all likelihood, you will need to master thesis in economics example hire an 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 essay write an appendix and thesis in economics a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in on divorce this chapter, and your glossary of terms will simply define the master thesis example, terms of your business that an ending, investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to thesis in economics start a business, but don’t know how to essay write a plan? We have a sample database of master thesis example plans that you can look through to referencing a research paper learn the different chapters and sections necessary to attract equity investments and thesis in economics loans. Although our examples are specific to is there one true essay 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 master example, serve as a starting point for you and your dream. Click the a research, images to view our full business examples. 4. Example? The Pros and Cons of on football injuries Downloading a Business Plan Template.

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Copyright 2017 Legal Templates LLC. Master In Economics? Legal Templates LLC is not a lawyer, or a law firm and does not engage in essays on football injuries the practice of master thesis law. Legal Templates cannot and does not provide legal advice or legal representation. All information, software and services provided on the site are for informational purposes and referencing self-help only and are not intended to be a substitute for a lawyer or professional legal advice. Use of this site is subject to our Terms of Use.

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