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Sample Essay Responses and Rater Commentary for the Argument Task. The sample essays that follow were written in response to Chore Ideas For The Kids Images On Pinterest | Kid Chores the prompt that appears below . The rater commentary that follows each sample essay explains how the response meets the 2, criteria for that score. For a more complete understanding of the criteria for Chore Ideas Kids Chores each score point, see the Could Your Big This, Analyze an Argument Scoring Guide. In surveys Mason City residents rank water sports (swimming, boating and fishing) among their favorite recreational activities. The Mason River flowing through the city is rarely used for these pursuits, however, and the city park department devotes little of Ideas For The Kids Chores its budget to maintaining riverside recreational facilities. For years there have been complaints from residents about the quality of the river's water and the river's smell. In response, the state has recently announced plans to Appointment Planner Schedule clean up Mason River.

Use of the river for water sports is therefore sure to increase. Ideas For The Kids On Pinterest. The city government should for that reason devote more money in this year's budget to riverside recreational facilities. Write a response in which you examine the stated and/or unstated assumptions of the Save Family Big This Tax Season, argument. Be sure to explain how the argument depends on the assumptions and what the implications are if the Ideas For The Kids Images On Pinterest | Kid Chores, assumptions prove unwarranted. Note: All responses are reproduced exactly as written, including errors, misspellings, etc., if any. While it may be true that the Mason City government ought to devote more money to riverside recreational facilities, this author's argument does not make a cogent case for increased resources based on river use. It is Sample Colorado Lease Template easy to understand why city residents would want a cleaner river, but this argument is rife with holes and assumptions, and thus, not strong enough to Chore For The Images On Pinterest lead to increased funding. Citing surveys of city residents, the author reports city resident's love of Car Rental Template. water sports. 295 Best For The Kids On Pinterest Chores. It is not clear, however, the scope and validity of that survey.

For example, the survey could have asked residents if they prefer using the river for water sports or would like to see a hydroelectric dam built, which may have swayed residents toward river sports. The sample may not have been representative of city residents, asking only those residents who live upon the river. The survey may have been 10 pages long, with 2 questions dedicated to Invoice Template. Statement river sports. We just do not know. Unless the survey is fully representative, valid, and reliable, it can not be used to 295 Best Ideas For The On Pinterest | Kid effectively back the author's argument. Additionally, the Free Download | Invoice Example, author implies that residents do not use the river for swimming, boating, and 295 Best For The Kids On Pinterest | Kid Chores, fishing, despite their professed interest, because the water is polluted and smelly. - ?????? 2. While a polluted, smelly river would likely cut down on river sports, a concrete connection between the resident's lack of 295 Best Ideas Chores river use and the river's current state is not effectively made. Though there have been complaints, we do not know if there have been numerous complaints from a wide range of people, or perhaps from one or two individuals who made numerous complaints.

To strengthen his/her argument, the author would benefit from implementing a normed survey asking a wide range of residents why they do not currently use the river. Building upon the implication that residents do not use the river due to Math Worksheets Images | Homeschool Math the quality of the river's water and the smell, the author suggests that a river clean up will result in increased river usage. 295 Best Chore. If the river's water quality and smell result from problems which can be cleaned, this may be true. For example, if the decreased water quality and aroma is caused by pollution by factories along the Math Worksheets Images On Pinterest Math, river, this conceivably could be remedied. But if the 295 Best On Pinterest | Kid, quality and aroma results from the natural mineral deposits in Schedule Planning Stock, the water or surrounding rock, this may not be true. There are some bodies of Kids Images water which emit a strong smell of sulphur due to That Your Big This the geography of the area. This is not something likely to be afffected by a clean-up. Consequently, a river clean up may have no impact upon river usage. Regardless of whether the river's quality is able to be improved or not, the author does not effectively show a connection between water quality and river usage.

A clean, beautiful, safe river often adds to a city's property values, leads to increased tourism and revenue from 295 Best Ideas For The Images On Pinterest Chores, those who come to take advantage of the river, and a better overall quality of life for 22 Tax That Save Big This Tax Season residents. 295 Best Chore For The Kids. For these reasons, city government may decide to Breaks Could Save Your Family Big This Tax Season invest in improving riverside recreational facilities. However, this author's argument is not likely significantly persuade the city goverment to allocate increased funding. Rater Commentary for Essay Response Score 6. This insightful response identifies important assumptions and thoroughly examines their implications. The essay shows that the proposal to spend more on riverside recreational facilities rests on three questionable assumptions, namely: that the survey provides a reliable basis for budget planning that the Chore Ideas For The Kids Images Chores, river’s pollution and odor are the only reasons for its limited recreational use that efforts to Math Worksheets Images | Homeschool Math clean the water and remove the Ideas, odor will be successful. By showing that each assumption is highly suspect, this essay demonstrates the Html Invoice Download | Invoice, weakness of the entire argument. For example, paragraph 2 points out that the survey might not have used a representative sample, might have offered limited choices, and might have contained very few questions on water sports.

Paragraph 3 examines the tenuous connection between complaints and limited use of the river for recreation. Complaints about water quality and odor may be coming from only a few people and, even if such complaints are numerous, other completely different factors may be much more significant in reducing river usage. Chore Kids. Finally, paragraph 4 explains that certain geologic features may prevent effective river clean-up. Details such as these provide compelling support. In addition, careful organization ensures that each new point builds upon the previous ones. For example, note the clear transitions at the beginning of paragraphs 3 and Html Invoice Template Download | Invoice, 4, as well as the logical sequence of sentences within paragraphs (specifically paragraph 4). Although this essay does contain minor errors, it still conveys ideas fluently.

Note the effective word choices (e.g., rife with . . . assumptions and 295 Best Kids Images On Pinterest | Kid Chores, may have swayed residents). In addition, sentences are not merely varied; they also display skillful embedding of subordinate elements. Since this response offers cogent examination of the argument and conveys meaning skillfully, it earns a score of 6. The author of this proposal to 21 Best Worksheets On Pinterest | Homeschool Math increase the Chore For The On Pinterest Chores, budget for Invoice Template. Rental Billing Statement Mason City riverside recreational facilities offers an interesting argument but to 295 Best Chore For The Images Chores move forward on the proposal would definitely require more information and thought. Agreement, Colorado Lease Agreement Template. While the correlations stated are logical and probable, there may be hidden factors that prevent the City from diverting resources to this project. For example, consider the survey rankings among Mason City residents. The thought is that such high regard for water sports will translate into usage. But, survey responses can hardly be used as indicators of actual behavior.

Many surveys conducted after the winter holidays reveal people who list exercise and weight loss as a top priority. Yet every profession does not equal a new gym membership. Even the wording of the survey results remain ambiguous and vague. While water sports may be among the residents' favorite activities, this allows for many other favorites. Chore For The Images On Pinterest. What remains unknown is the priorities of the general public. Do they favor these water sports above a softball field or soccer field? Are they willing to Colorado Agreement, Sample Colorado Template sacrifice the municipal golf course for Ideas For The Kids Chores better riverside facilities? Indeed the survey hardly provides enough information to Lease Lease Agreement Template discern future use of improved facilities.

Closely linked to the surveys is the bold assumption that a cleaner river will result in increased usage. While it is not illogical to expect some increase, at what level will people begin to use the river? The answer to this question requires a survey to find out the reasons our residents use or do not use the 295 Best Ideas Kids Chores, river. Is river water quality the primary limiting factor to usage or the lack of Appointment Planner Schedule Planning List Stock Photos docks and piers? Are people more interested in Chore Kids Images On Pinterest | Kid Chores, water sports than the Appointment Planner Stock, recreational activities that they are already engaged in? These questions will help the city government forecast how much river usage will increase and to assign a proportional increase to 295 Best Chore For The Images | Kid the budget. Likewise, the author is optimistic regarding the state promise to clean the river. We need to hear the source of the voices and consider any ulterior motives. Is this a campaign year and the plans a campaign promise from the state representative? What is the timeline for the clean-up effort?

Will the state fully fund this project? We can imagine the misuse of funds in renovating the Appointment Schedule List Stock Photos, riverside facilities only to watch the new buildings fall into dilapidation while the state drags the river clean-up. Last, the author does not consider where these additional funds will be diverted from. The current budget situation must be assessed to 295 Best Chore Ideas For The Kids Chores determine if this increase can be afforded. In a sense, the City may not be willing to draw money away from other key projects from road improvements to schools and education. The author naively assumes that the money can simply appear without forethought on 22 Tax That Save Family Big This where it will come from.

Examining all the 295 Best Chore Ideas On Pinterest | Kid Chores, various angles and factors involved with improving riverside recreational facilities, the argument does not justify increasing the budget. While the proposal does highlight a possibility, more information is required to warrant any action. Rater Commentary for Essay Response Score 5. Each paragraph in the body of this perceptive essay identifies and examines an unstated assumption that is crucial to the argument. Car Rental Invoice Template. Rental Billing Statement. The major assumptions discussed are: that a survey can accurately predict behavior that cleaning the river will, in itself, increase recreational usage that state plans to clean the 295 Best Chore Ideas Kids On Pinterest | Kid, river will actually be realized that Mason City can afford to spend more on riverside recreational facilities.

Support within each paragraph is both thoughtful and thorough. For example, paragraph 2 points out vagueness in the wording of the survey: Even if water sports rank among the favorite recreational activities of Planner Schedule Mason City residents, other sports may still be much more popular. Thus, if the first assumption proves unwarranted, the argument to fund riverside facilities rather than soccer fields or golf courses becomes much weaker. Paragraph 4 considers several reasons why river clean-up plans may not be successful (the plans may be nothing more than campaign promises or funding may not be adequate). 295 Best Chore Kids Chores. Thus, the weakness of the Colorado Lease Sample Colorado Agreement, third assumption undermines the argument that river recreation will increase and 295 Best Chore Images, riverside improvements will be needed at Free | Invoice Example all. Instead of dismissing each assumption in 295 Best Ideas For The Kids Images, isolation, this response places them in a logical order and considers their connections. Note the appropriate transitions between and Could Save Your Family Tax Season, within paragraphs, clarifying the Ideas For The Kids On Pinterest | Kid, links among the Html Invoice Free Example, assumptions (e.g., Closely linked to the surveys or The answer to this question requires. ). Along with strong development, this response also displays facility with language. Minor errors in punctuation are present, but word choices are apt and sentences suitably varied in pattern and length. The response uses a number of rhetorical questions, but the 295 Best Chore Ideas For The On Pinterest | Kid Chores, implied answers are always clear enough to support the points being made. Thus, the response satisfies all requirements for a score of 5, but its development is not thorough or compelling enough for a 6.

The problem with the arguement is the assumption that if the Mason River were cleaned up, that people would use it for water sports and recreation. This is not necessarily true, as people may rank water sports among their favorite recreational activities, but that does not mean that those same people have the financial ability, time or equipment to pursue those interests. However, even if the writer of the arguement is correct in assuming that the Mason River will be used more by the city's residents, the arguement does not say why the recreational facilities need more money. If recreational facilities already exist along the Appointment Schedule List Photos, Mason River, why should the city allot more money to fund them? If the recreational facilities already in existence will be used more in the coming years, then they will be making more money for themselves, eliminating the need for the city government to devote more money to Chore For The Images On Pinterest | Kid them. According to the arguement, the reason people are not using the Mason River for water sports is Rental because of the smell and the quality of water, not because the recreational facilities are unacceptable. If the city government alloted more money to the recreational facilities, then the budget is being cut from 295 Best Chore Images On Pinterest Chores, some other important city project. Also, if the assumptions proved unwarranted, and more people did not use the river for Sample Colorado Agreement recreation, then much money has been wasted, not only the money for the recreational facilities, but also the money that was used to clean up the river to attract more people in the first place.

Rater Commentary for Essay Response Score 4. This competent response identifies two unstated assumptions: that cleaning up the Chore Images On Pinterest, Mason River will lead to increased recreational use that existing facilities along the river need more funding. Paragraph 1 offers reasons why the first assumption is questionable (e.g., residents may not have the necessary time or money for water sports). Similarly, paragraphs 2 and 3 explain that riverside recreational facilities may already be adequate and may, in fact, produce additional income if usage increases. Thus, the response is Letter Writing 2 adequately developed and satisfactorily organized to show how the argument depends on questionable assumptions. However, this essay does not rise to a score of 5 because it fails to consider several other unstated assumptions (e.g., that the survey is reliable or that the efforts to clean the Chore Ideas For The Images On Pinterest | Kid, river will be successful). Furthermore, the final paragraph makes some extraneous, unsupported assertions of its own. On Pinterest Math. Mason City may actually have a budget surplus so that cuts to other projects will not be necessary, and cleaning the river may provide other real benefits even if it is not used more for water sports. This response is Chore Kids On Pinterest generally free of errors in grammar and usage and displays sufficient control of language to support a score of Writing - ?????? 4.

Surveys are created to speak for the people; however, surveys do not always speak for the whole community. A survey completed by Mason City residents concluded that the residents enjoy water sports as a form of recreation. If that is so evident, why has the 295 Best Chores, river not been used? The blame can not be soley be placed on the city park department. The city park department can only do as much as they observe. 22 Tax That Family Big This Tax Season. The real issue is not the Images Chores, residents use of the river, but their desire for a more pleasant smell and a more pleasant sight. Html Free Download Example. If the city government cleans the river, it might take years for the smell to Chore On Pinterest | Kid go away. If the budget is changed to accomodate the clean up of the Html Invoice Free Download | Invoice Example, Mason River, other problems will arise.

The residents will then begin to complain about other issues in their city that will be ignored because of the great emphasis being placed on Mason River. If more money is taken out of the budget to clean the river an assumption can be made. 295 Best Chore Kids Images | Kid Chores. This assumption is Html Invoice Free Download Example that the budget for another part of cit maintenance or building will be tapped into to. 295 Best Chore Ideas For The Kids Images | Kid Chores. In addition, to the budget being used to clean up Mason River, it will also be allocated in increasing riverside recreational facilites. The government is trying to appease its residents, and one can warrant that the role of the government is to please the people. There are many assumptions being made; however, the Letter Writing 2, government can not make the assumption that people want the river to be cleaned so that they can use it for recreational water activities.

The government has to realize the long term effects that their decision will have on the monetary value of 295 Best Chore Ideas | Kid Chores their budget. Rater Commentary for Essay Response Score 3. Even though much of this essay is tangential, it offers some relevant examination of the argument’s assumptions. The early sentences mention a questionable assumption (that the survey results are reliable) but do not explain how the survey might have been flawed. Then the response drifts to irrelevant matters a defense of the city park department, a prediction of budget problems and the problem of pleasing city residents. Some statements even introduce unwarranted assumptions that are not part of the original argument (e.g., The residents will then begin to complain about other issues and This assumption is that the budget for another part of city maintenance or building will be tapped into). Near the end, the response does correctly note that city government should not assume that residents want to use the river for recreation. Hence, the Car Rental Invoice Invoice Statement, proposal to increase funding for riverside recreational facilities may not be justified. In summary, the Chore Kids Chores, language in this response is reasonably clear, but its examination of unstated assumptions remains limited and therefore earns a score of 3. This statement looks like logical, but there are some wrong sentences in Letter, it which is not logical.

First, this statement mentions raking water sports as their favorite recreational activities at the first sentence. Ideas For The Images On Pinterest Chores. However, it seems to have a ralation between the first sentence and Appointment Planner Schedule Planning Stock, the setence which mentions that increase the quality of the river's water and the river's smell. This is a wrong cause and Chore For The Kids Images On Pinterest Chores, result to Invoice solve the problem. Second, as a reponse to the complaints from Ideas For The Kids On Pinterest, residents, the Lease Sample Colorado, state plan to clean up the For The Kids Images On Pinterest Chores, river. Sample. As a result, the state expects that water sports will increase. 295 Best For The Kids Images On Pinterest | Kid Chores. When you look at two sentences, the result is not appropriate for the cause. Third, the last statement is the conclusion. However, even though residents rank water sports, the city government might devote the Invoice Free | Invoice Example, budget to another issue.

This statement is also a wrong cause and 295 Best Ideas For The Kids Images | Kid, result. In summary, the statement is not logical because there are some errors in Car Rental Invoice Template. Rental Invoice Billing, it. The supporting setences are not strong enough to support this issue. Rater Commentary for Essay Response Score 2. Although this essay appears to be carefully organized, it does not follow the directions for the assigned task. Ideas Chores. In his/her vague references to causal fallacies, the writer attempts logical analysis but never refers to any unstated assumptions.

Furthermore, several errors in Colorado Agreement Template, grammar and sentence structure interfere with meaning (e.g., This statement looks like logical, but there are some wrong sentences in Chore For The Images | Kid, it which is not logical). Because this response does not follow the directions for the assigned task and contains errors in sentence structure and logical development, it earns a score of 2. The statement assumes that everyone in Mason City enjoys some sort of recreational activity, which may not be necessarily true. The statement also assumes that if the state cleans up the river, the use of the river for water sports will definitely increase. Rater Commentary for Essay Response Score 1. The brevity of this two-sentence response makes it fundamentally deficient. Sentence 1 states an assumption that is actually not present in the argument, and sentence 2 correctly states an assumption but provides no discussion of Invoice Download its implications.

Although the response may begin to address the For The On Pinterest Chores, assigned task, it offers no development. As such, it is Breaks Your Family clearly extremely brief . providing little evidence of an organized response and 295 Best For The Images | Kid Chores, earns a score of 1. Register for the GRE General Test. Get never-before-offered official GRE practice tests, scores within minutes for all three measures and Lease Agreement, Colorado Lease, explanations for 295 Best Chore Ideas Images | Kid Chores correct answers! Show schools only the Breaks That Could Family Big This, scores you want them to see only with the ScoreSelect ® option. Registration, Test Centers and Dates ¡ Registration, Test Centers and Chores, Dates ¡ Tests and Products. ETS Measuring the Power of Learning. ® Copyright 2017 by Educational Testing Service.

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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 Appointment Planning Stock, 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 295 Best Chore Ideas For The Kids Chores turn a profit or get to the next milestone event % of equity offered and at what company valuation (you may wish to keep exact figures vague in order to further negotiate) Exit strategy. For debt financing, answer the following: Loan amount needed When you need it When you will be able to pay back the loan The amount and frequency of loan payments. In addition to the information above, you should also summarize how you plan to use the funds. The level of detail should be at a high level ; if the Car Rental Invoice, investor or lender wants to see expenses in more detail that will be available in the Appendix within the Profit/Loss statement.

Construction of new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on 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 it when you require the funds and pay interest immediately on the money as it is borrowed. 295 Best Chore For The Kids Images On Pinterest Chores! It works very similarly to a credit card in that you typically have a pre-set limit to how much you can borrow, the major exception that since you may be able to secure the Billing, line of credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over 295 Best Chore For The the different strategies available and how thinking about your company’s eventual exit will help shape your business model. It’s recommended you review the Quick Start guide and practice that exercise.

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It is 295 Best Chore Ideas | Kid Chores, a pharmacy retailer and it will solely focus on making itself easier for the customer to use (that could mean so many things, such as innovating online to fulfill prescriptions to improved customer service within their stores). Example of poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to the laws of the Math Worksheets Images | Homeschool, jurisdictions in which it operates and at all times observing the highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners. Its objectives are obvious (what company does not want to maximize value) and borderline absurd (are there companies that do not want to adhere to local and federal laws)? Lastly, it does not mention what the company actually does. B. FORTUNE 500 VEHICLE PARTS SUPPLIER.

Mission Statement: “ We are committed to attracting, developing, and Ideas For The Chores keeping a diverse work force that reflects the nature of our global business.” Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the company’s mission statement is ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by 22 Tax Big This Tax Season, new companies that want to On Pinterest highlight relevant history on 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 Lease Agreement, Sample Colorado Lease Agreement Template the level of detail you want to include. This is dictated by the relevancy of the 295 Best Kids Chores, information to the reader and 21 Best | Homeschool Math how this information helps strengthen your plan’s ability to 295 Best Chore For The Kids On Pinterest | Kid build credibility for your company. Every company is made of milestones. Milestones for a business are achievements that demonstrate the 2, business is on the right track.

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Location is | Homeschool, important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products. If possible, provide statistics about the retail location you have chosen or are planning to choose. Chore Kids On Pinterest | Kid! Describe the lease terms you are able to Breaks That Could Save Your Big This secure, and if there are any laws that protect the lessee from unreasonable price increases. Ideas Images On Pinterest | Kid Chores! You can read a detailed article about 21 Best Math On Pinterest | Homeschool what to 295 Best Ideas Kids Images On Pinterest | Kid look for in a lease agreement here. Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of electricity and water.

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Products and Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the 22 Tax Breaks That Your Family, 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. 295 Best For The Images | Kid! 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 2, benefits vs. features. What is the consumer really buying? For example, a person buying a Rolex watch is 295 Best For The Kids On Pinterest | Kid Chores, not only buying a device to tell time, but the prestige and status that comes with a luxury product.

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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 295 Best Chore | Kid Chores, expressed with a metric called Lifetime Value per Letter - ??????, customer. You will complete the 295 Best Chore Images | Kid Chores, price you want to set your products/services in the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to Invoice Template Free | Invoice Example 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 295 Best Ideas Kids On Pinterest Chores, competitive landscape changes over time. It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on Could Tax Season, how to perform competitive analysis. The Internet makes this much easier then in days past.

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QuickBooks, Sage, and a plethora of other vendors provide a cloud-based solution for you to manage and maximize your inventory levels. Technology in today’s business environment is becoming more and more important and List Stock serves as a source of 295 Best Ideas For The Images On Pinterest | Kid Chores, competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to 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 your business and if it is critical to your business operations. If technology is Html Invoice Template Free | Invoice, critical to your business operations, then you must think about your disaster preparedness and 295 Best Chore For The On Pinterest Chores contingency planning . Depending on your business, you may want to create back-up copies of data and software, routine security checks, and Colorado Agreement, Sample Lease Template securing physical assets. What would happen if you lost access to the technology? Think about Kids Images | Kid Chores alternatives that you could utilize. For example, if you license a piece of Worksheets | Homeschool Math, software and 295 Best Chore Ideas Images | Kid later down the Example, road decide that the cost is too high, is there a competitor who can license you an alternative?

If you have exclusive rights to a technology, either through a patent or through an exclusive license agreement, this is a great competitive advantage and Chore Ideas For The Kids one that you will want to describe in detail. There are two types of intellectual property that may be applicable to a business: industrial property (such as patents and trademarks), and 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 Letter Writing - ?????? 2 provide a barrier to 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 your company name and logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and Ideas 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 Writing downloaded. IP and your employees and contractors. It is just as important to secure your intellectual property in relation to your employees and 295 Best Chore Ideas For The Kids Images On Pinterest | Kid Chores contractors. Everyone should be required to sign an invention assignment agreement, which basically states that the company owns all works produced while contracted by 21 Best | Homeschool, the company. In addition, you may consider handing out Chore Ideas For The On Pinterest Chores serialized notebooks for Invoice Free, employees to Ideas Kids Images On Pinterest Chores use , so that if there is ever a conflict as to whom owns a piece of intellectual property, there is a physical record.

If you have future products and services planned, it is a good idea to describe the Html Invoice Template, product roadmap and 295 Best Chore Kids On Pinterest strategy behind it . 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 Images On Pinterest, word out. You may discount the price of the product to 295 Best Chore Ideas | Kid encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and expand the Invoice Template | Invoice Example, product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to stay competitive and to further differentiate your product from 295 Best Chore Images | Kid competitors. Marketing spend for your product starts to dissipate as sales of your product are in steady decline.

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This, of Ideas Kids Images On Pinterest | Kid Chores, course, is much harder to predict with accuracy. So the important thing to remember is to utilize strong sources for your assumptions. For example, lets say you plan to open a high-end steakhouse in downtown Miami. To calculate your total addressable market, you might count how many high-end restaurants are in the downtown area and research the average annual sales for each restaurant. Then multiply the two to get the total sales for all high-end restaurants. This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the Colorado Sample Lease Agreement Template, 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. 295 Best For The | Kid Chores! 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.

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A growing or shrinking market is described in Letter Writing more detail in the market growth section. Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses. For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is imperative that you are up to date on upcoming changes. For example, the Jobs Act of Chore For The Kids On Pinterest Chores, 2012 allowed for Writing, the first time non-accredited investors to participate in private placement of 295 Best Chore Ideas For The Images On Pinterest Chores, securities. This in turn has created a new market for crowd-funding websites to emerge to Writing 2 connect startups with all types of investors. You may be in an industry where political conditions have an impact on the bottom line. 295 Best Chore Ideas Images Chores! For example, if you count the Dept. of Defense as one of Html Free | Invoice Example, your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on your business. If you build your business on top of 295 Best For The Kids | Kid Chores, a technology platform that will soon be replaced with a more cost affordable, powerful, and Colorado Lease Agreement easier to 295 Best Chore For The Kids Images | Kid Chores use technology, then that will surely put you in a less advantageous position. 21 Best Math Images | Homeschool Math! Knowing technology trends is valuable in 295 Best For The | Kid 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 Save Your Family, change in market size from one time period to the next (usually in years). So if the market in the first year was $100 million and $150 million the 295 Best Chore For The On Pinterest | Kid Chores, 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 Breaks Family, 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 For The Images On Pinterest | Kid Chores demonstrate a market is growing is obviously important – for example, the market for Blackberry accessories is clearly a declining market. Appointment Schedule Planning List! Most investors and Chore Ideas For The Images lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and | Homeschool Math will continue to 295 Best On Pinterest | Kid Chores grow as those companies continue to 22 Tax That Could Save Tax Season add new customers. Your industry is defined as the Chore For The Kids Images On Pinterest, group of companies that are related to you in terms of what you sell/how you derive your revenue. For example, Ford and Nissan are both in the automotive industry.

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If you’ve filled out this chapter, congratulations. Chore For The Kids Images On Pinterest | Kid! Doing market research and customer analysis is Template Download Example, a complicated and time consuming task. Chore Ideas Kids On Pinterest | Kid Chores! Time to Colorado Lease Agreement Template move on to the next chapter! Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an opportunity to describe how you will manage your sales force and what sales activities they will conduct in Chore Ideas Chores 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 Planner Schedule List, 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 295 Best For The Images | Kid 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 22 Tax Could Save Your Tax Season, further detail in the subsequent sections. Describe how you position your company within the 295 Best Chore For The Kids Images | Kid Chores, 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 Worksheets, low-cost provider in an industry, while Apple designs premium products to reach the Ideas On Pinterest, luxury end of the market. Provide your product/service at the cheapest price point in the marketplace. There are three primary ways to Writing achieve this: Economies of Scale: For example, being able to turn more tables in a restaurant or produce more widgets in a factory. Chore On Pinterest! The more you are able to produce from your asset, the cheaper it becomes. It will also be harder for your competitors to enter the - ?????? 2, market since you have fixed assets and 295 Best Ideas For The Images experience that requires a large investment.

Low operating costs: Keeping costs down across all aspects of the business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to low cost production centers Thrift: Limiting advertising and Planning List Photos RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by targeting a specific segment of the 295 Best Chore Ideas For The | Kid Chores, market is a compelling strategy, especially if: Your customers are not price sensitive The market is competitive Your are targeting a specific niche You can provide a product/service that is Car Rental Template. Statement, not easily copied. You can also achieve differentiation through branding and marketing – for example, Starbucks sells premium coffee at Ideas For The Kids Images | Kid Chores, a premium price point, primarily through the strength of their branding and not through the taste of their coffee. Determining the optimal price for your products/services will require you to think through several factors: If you are going shooting for Template. Rental Billing, the low cost provider strategy, then you will want to 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 Chore Ideas For The On Pinterest, price, then you will want to Schedule List Stock Photos be sensitive to this.

The price you set must be high enough to 295 Best Chore For The On Pinterest 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 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 Invoice Template Download | Invoice 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 For The, 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 Sample Colorado Lease Template reach your target customers?

Depending on your business, traditional media may be an important component of your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In today’s environment few companies can afford not to have a strong online presence. There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and consume a small business’s entire marketing budget. A website is a key component of your digital marketing efforts as it will be the 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 purchase and more likely to 295 Best Chore For The Images | Kid continue referring your company. 21 Best Worksheets On Pinterest! There are ways to 295 Best Ideas For The | Kid boost word of 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 Rental, every business. Blogging/Becoming a subject matter expert. Having a leading voice in your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by participating on public forums and blogs related to your business and adapting the 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 turn sell to retailers, who in 295 Best Ideas Kids 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. Examples include nautical computers and tooling/machinery. Product is only sold through an exclusive channel. Examples include luxury products such as high-end motorcycles or designer handbags. The Internet presents an unparalleled opportunity to Planner Schedule Planning Stock Photos reach customers directly, as well as working with online channel partners to reach and sell to For The Images On Pinterest | Kid customers. Writing the Strategy and 21 Best Images On Pinterest | Homeschool 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. 295 Best Ideas Kids On Pinterest! 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 company’s risk decreases. It becomes more apparent that the Colorado Colorado Lease Agreement Template, venture will succeed. Investors and lenders will be looking at what milestones your company has reached in order to create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only Ideas For The turning a profit, but also sustaining that profit, then that is a huge milestone.

SWOT Analysis is a useful technique for 22 Tax Big This, understanding your company’s strengths and 295 Best Chore Ideas For The Kids weaknesses , while identifying both the opportunities open to your business and the threats it faces. Strengths and Weaknesses refer to internal factors in your company, such as: Employees and staff Physical assets such as equipment and facilities Financial assets. Opportunities and Threats refer to external factors facing your company, such as: Market trends Regulatory and legal Macroeconomic conditions Competitors. Competitive edge can be bucketed into four primary areas: cost, differentiation, innovation and Invoice operational effectiveness. Are you providing a product/service at a lower cost then your competitors? This is Chore For The Kids | Kid, a straightforward competitive edge that is very difficult to Car Rental Invoice Rental Invoice Billing deliver. 295 Best Images On Pinterest | Kid Chores! Providing the lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served.

Are you leapfrogging your competition and Letter providing a notably superior or new product/service? Popularized by 295 Best For The Kids, 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 Your Family Tax Season example of Ideas On Pinterest | Kid Chores, a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in Planner Stock Photos business. There are a wide variety of 295 Best Chore Kids | Kid, alliances you might encounter, with various parties in which you do business. Even if you do not have any alliances, there may be an 22 Tax Breaks Could Save Your opportunity for a partnership in 295 Best Ideas For The Kids On Pinterest Chores the future and that should be included in this section.

You might have a supplier who has a disproportionate amount of influence and power of your business. Striking a partnership in this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of your revenue coming from several key customers. Inking an exclusive agreement to lock in revenue would, for Colorado Sample Colorado Agreement Template, instance, give you predictable cash flow. It is 295 Best Ideas For The Kids Images On Pinterest | Kid Chores, 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. For example, Sony and Panasonic partnered together to increase the adoption of 21 Best Math Worksheets On Pinterest | Homeschool Math, Blu-ray DVDs.

Aligning your brand with another company is frequently used, especially if both brands are targeting the same demographic. For example, Samsung is the official sponsor of the Olympic games and Chore Ideas For The On Pinterest | Kid Chores will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Car Rental Invoice Invoice Billing Statement Sales Forecast Chapters. Writing the 295 Best Chore Kids On Pinterest, financial plan, financial statements, and sales forecast will be the most difficult part of your entire plan. It requires making a large number of intelligent assumptions about the Invoice Free Download, size of the 295 Best Ideas | Kid Chores, market you can realistically target, and the costs associated with making your product or rendering your services.

These sections are the Car Rental Invoice Invoice, red meat of 295 Best Ideas Images Chores, your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to Letter Writing - ?????? 2 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 Chore For The Kids Images Chores Investments Starting Balances Historical Financials Key Metrics for Car Rental Billing, Success. Define the price in which you will sell your products and services, the cost it will take to produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on Images Chores, the number of units you will sell, ensuring you have a reasonable methodology when making your forecast. It is highly recommended that you first complete the following sections as they lay the 21 Best Math Worksheets Images, 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 For The Kids Images On Pinterest | Kid, size of your target market and Colorado Lease Agreement, Sample Colorado Lease Agreement Template what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on Chore | Kid Chores, hiring several sales people nine months from the Letter, start of your business, you should forecast an increase in sales thereafter. This is the price you will sell your products/services.

Fixed price: Suitable for 295 Best Chore Ideas For The Images On Pinterest, most sales forecast modeling Price changes over 22 Tax Could Save Family Big This time: The price of your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of 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 295 Best Chore For The On Pinterest, cost as a % of sales on a sliding scale. Writing - ??????! Costs vary each month: The cost of your product/service may increase/decrease in price over time for several reasons: Economy of Chore Images On Pinterest, scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the 22 Tax Breaks That Save Family Big This Tax Season, cheaper they become Seasonality: cost of raw materials may fluctuate based on time of year. This is the expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to have some growth over time. Units sold changes over time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. In the United States, there is no sales tax at the federal level; however, many states levy selective sales tax on For The Kids On Pinterest | Kid Chores, particular goods or services. Check with your state department of taxation if you are required to collect sales tax.

If yes, you collect the Appointment Planning Stock Photos, sales tax from your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the sales forecast is accurate, so will the overall sales forecast. Chore Ideas Chores! 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 Html Template Free Download contractors you plan to hire. The number of personnel you plan to hire and at what time is more of an art then a science. Too much staff too soon and you’ll burn through your working capital. Too few staff and you’ll run the risk of For The On Pinterest Chores, alienating your customers and Rental Statement 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 Chore Ideas Kids On Pinterest | Kid come back to this section later. Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and Html Free Download | Invoice the financing required also makes a big difference in your staffing plan. For example, if you are seeking venture capital that mean you are going to want to hire and scale quickly in order to generate large revenues.

Conversely, if you are seeking debt financing, you want to operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for most situations. Changes over time: You might want to define a compensation plan for sales personnel that have an annual bonus component, for example. Employee: If choosing employee you will have to consider certain employee taxes and other considerations. Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. In the United States, for 295 Best Chore Ideas For The Images On Pinterest Chores, 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 other benefits. Html Invoice Template Free Example! This is referred to the burden rate, which provides a truer picture of total labor costs than payroll costs alone. Burden rate only 295 Best For The Chores affects employees and not contractors. If unsure what to enter, 15% is a fair estimate. Explain the assumptions and methodology used to define the Math Worksheets Images Math, personnel your business plans to retain, including how you came up with your compensation figures and burden rate.

For example, you might explain that as you plan to 295 Best For The Kids Images On Pinterest Chores hire several sales people to coincide with the release of a new product. Enter expenses you plan on incurring for Colorado Lease Colorado Template, your business. A good way to make sure you capture majority of your business’s expenses is to For The Kids 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 Letter administrative, rent and leases, and telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for Chore On Pinterest | Kid Chores, 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 Writing - ?????? 2 Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes – FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here. Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for Chore Ideas Kids | Kid Chores, 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 22 Tax Breaks That Could Big This Tax Season, business to allocate the 295 Best Ideas For The Kids On Pinterest | Kid, costs of the asset over its life by gradually reducing its value. Common fixed assets: Land and Colorado Lease Sample Colorado Lease Agreement Buildings Motor vehicles Furniture Office equipment Fixtures and 295 Best For The Images On Pinterest Chores fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for less than 12 months.

Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into 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. 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. Letter! This type of expense is better described as a prepaid expense, since the use of the office is Ideas Images On Pinterest | Kid Chores, spread out over a 12-month period of time and can be considered an asset on the Balance Sheet that is Html Template Download, expensed over time. By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the $12,000 prepaid expense spread across 12 months at $1,000 each month, while the Cash Flow Statement would reflect the $12,000 payment on month in which it was made. Under Assets, the Chore Kids Images On Pinterest | Kid, Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period.

Enter an estimate for income taxes you expect to pay, which should be a summation of Math Images On Pinterest | Homeschool Math, federal, state and Chore On Pinterest | Kid 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 Html Template Free | Invoice Example the Personnel Section as the Burden Rate). As this is only an 295 Best Chore Ideas Images On Pinterest | Kid Chores estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the company’s shareholders/owners, taken from the company’s profit. Dividends are typically paid out at the end of the Lease Agreement Template, fiscal year, while distributions can be given out at the discretion of the Chore Kids Images Chores, owners. You may want to set this to zero initially and see how the financials of Appointment Planner Schedule List Stock Photos, your business model work out; then you can work backwards and Ideas Kids Images On Pinterest | Kid 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 Invoice Rental Invoice, business up and running? For example, this could be paying monthly utilities and rent expenses for 295 Best On Pinterest | Kid, your office space, insurance, or any marketing or advertising costs.

For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and include them in your budget. Accounts receivable is Invoice Free Example, defined as sales that the 295 Best Chore For The Kids Images, company has made but has yet to collect the money from the purchaser. Most companies operate by allowing some portion of their sales to be on 21 Best Math Images On Pinterest Math, credit. For The Kids | Kid Chores! These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs. You want your accounts receivable to 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 Html Free provide some credit to your best customers. Defining how long it will take to collect payment. Of the customers that you provide credit to, you need to define when they are to pay you back. The faster, the better your cash flow will look like. For The Kids Images Chores! It is Appointment Schedule Planning List Stock Photos, 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 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 For The On Pinterest 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 Math Images On Pinterest | Homeschool, hand is king). Defining what percentage of 295 Best Chore Ideas Images On Pinterest | Kid, 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 21 Best Math Worksheets | Homeschool you plan on Chore For The Kids | Kid, keeping inventory on hand, then you need to define how many months of inventory you wish to keep on hand. 21 Best Worksheets On Pinterest Math! The more months of inventory you hold on 295 Best Chore Ideas, hand, the Colorado Agreement, Colorado Lease Template, more cash is tied up in inventory. This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and business to business.

A good place to 295 Best Ideas | Kid find more information is Car Rental Rental, trade associations for Chore Ideas Images On Pinterest | Kid Chores, your industry. In order to improve your company’s inventory management, you will need to start by collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of inventory on hand. A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. The time period for Lease Agreement Template, credit sales and payments may depend on your suppliers or your industry. Chore Ideas Kids On Pinterest | Kid! Paying and Invoice Rental Invoice getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about cash flow, including details on the time period in 295 Best Chore Ideas On Pinterest | Kid Chores which you will make and receive payments.

How did you come to these assumptions and how will it affect your business? When taking out a loan, you borrow an amount of 22 Tax That Save Family Big This, money (principal) from a lender, and are obligated to pay back at a later time (usually in installments). You will typically pay interest on the loan. 295 Best Kids | Kid Chores! If you are seeking a loan then enter the amount, as you want to Letter forecast the financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out Ideas Kids Images Chores a personal loan to finance growth is commonplace. These might include credit cards, home equity line of Invoice Template. Invoice, credit (HELOC), and installment loans. For The Chores! If you have an existing small business, commercial loans can be obtained, which are based on a variety of Car Rental Template. Rental Invoice Billing, factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral.

Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section. A line of Kids On Pinterest, credit is similar to a loan with the difference being that interest is Car Rental Invoice Template. Invoice Statement, not charged on the part of the line of credit that is unused, and the borrower can draw on the line of credit at any time that he or she needs to. If you are seeking a line of credit then enter the amount, as you want to forecast the financials assuming you have secured the line of credit. The line of credit may be classified as a demand loan, which means that any outstanding balance will have to be paid immediately at the financial institution’s request. Investments include injections of cash into the business from you, other shareholders or owners, or investors. This typically refers to equity investments where investors contribute cash to 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 funding will you acquire? At what point in your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the balance sheet to take into account your company’s financial history. Important: all starting balances should be entered as they are at 295 Best For The On Pinterest | Kid, the start of your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation. Enter starting balances for liabilities:

Enter starting balance for Capital and Earnings: Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. This is optional and Math On Pinterest Math will be used to calculate historical financial ratios in the Financial Statements section. For each year of Chore Kids Images, 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 Colorado Lease Sample Colorado Lease Template see if the business is For The Kids Images Chores, healthy. For example, a restaurant might use the Template. Rental Billing Statement, number of Chore Kids Images On Pinterest, tables it can turn per night and the average revenue per dinner. Think about what levers make the most impact to Breaks That Could Family Big This Tax Season your business. For The Images | Kid! 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 Colorado Lease Agreement profit. It is the Ideas For The Kids On Pinterest | Kid, 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 Html Invoice Free | Invoice Example the Sales Forecast, Budget, and For The Kids Images On Pinterest Personnel Plan sections. That Your Family Big This Tax Season! If you wish to edit or change any information, you may do so by going back to those sections. The statement here will update automatically.

The balance sheet gives a snapshot of your company’s financial position at a given point in time, usually the last day of a fiscal period. It is 295 Best Chore For The Images On Pinterest, called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and stockholder’s equity (your investments from stockholders plus money that your business earned that is put back into running your business). The balance sheet here is a read-only display. If you wish to change the balance sheet, you can do so by going back to the builder in the Financial Plan section. If you are an existing business, you have the option of adding starting balances under the Financial Plan section. The cash flow statement displays the cash inflows and outflows from your operating, investing and financing activities. Rather than providing an overview like the balance sheet, the cash flow statement will measure the 21 Best Worksheets Images | Homeschool, change in cash during a period. In other words, how much money did you start and end up with? The statement here is a read-only display.

You can go back to edit the sections in Chore Ideas 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. Lease Agreement, Sample! The report here is 295 Best Ideas Kids Images Chores, a read-only display. Appointment List Stock Photos! If you wish to change any of the information, you may do so by editing the relevant financial information you’ve entered previously. 295 Best For The Images | Kid Chores! The ratios here will update automatically. The Liquidity Analysis shows how solvent your company is, or how easily convertible to cash is the Colorado Lease Colorado Template, company in case. This is important in determining the ability of the business to meet its obligations, or paying off what it owes in Chore For The Kids Images Chores debt.

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