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nyu acceptance essay Gay Loneliness By Michael Hobbes. #x201C;I used to get so excited when the meth was all gone.#x201D; This is books for kids Hudson, my friend Jeremy. #x201C;When you have it,#x201D; he says, #x201C;you have to essay writing Westbourne, keep using it. When it#x2019;s gone, it#x2019;s like, #x2018;Oh good, I can go back to my life now.#x2019; I would stay up all weekend and books go to writing, these sex parties and then feel like shit until Wednesday. About two years ago I switched to critical books Hudson, cocaine because I could work the next day.#x201D; Jeremy is writing Princeton Academy, telling me this from a hospital bed, six stories above Seattle. He won#x2019;t tell me the exact circumstances of the thinking Hudson College, overdose, only that a stranger called an ambulance and he woke up here.
Jeremy is not the friend I was expecting to have this conversation with. Until a few weeks ago, I had no idea he used anything heavier than martinis. He is writing travel articles of Groningen, trim, intelligent, gluten-free, the kind of guy who wears a work shirt no matter what day of the week it is. The first time we met, three years ago, he asked me if I knew a good place to books Hudson College, do CrossFit. Today, when I ask him how the hospital#x2019;s been so far, the first thing he says is that there#x2019;s no Wi-Fi, he#x2019;s way behind on work emails.
#x201C;The drugs were a combination of boredom and how to in an essay Hillfield College loneliness,#x201D; he says. Thinking Books For Kids Hudson College! #x201C;I used to a descriptive George, come home from work exhausted on a Friday night and critical thinking it#x2019;s like, #x2018;Now what?#x2019; So I would dial out to get some meth delivered and check the Internet to article Princeton Academy, see if there were any parties happening. It was either that or watch a movie by myself.#x201D; 1. That#x2019;s not his real name. Critical Thinking College! Only a few of the names of the gay men in this article are real. Jeremy  is not my only gay friend who#x2019;s struggling. There#x2019;s Malcolm, who barely leaves the house except for work because his anxiety is so bad. There#x2019;s Jared, whose depression and body dysmorphia have steadily shrunk his social life down to me, the gym and Internet hookups. And there was Christian, the second guy I ever kissed, who killed himself at 32, two weeks after his boyfriend broke up with him. Christian went to a party store, rented a helium tank, started inhaling it, then texted his ex and told him to in an Strathallan, come over, to make sure he#x2019;d find the body. 1. That#x2019;s not his real name.
Only a few of the names of the gay men in this article are real. For years I#x2019;ve noticed the divergence between my straight friends and my gay friends. While one half of critical books for kids Hudson College my social circle has disappeared into relationships, kids and suburbs, the George College, other has struggled through isolation and anxiety, hard drugs and risky sex. None of this fits the narrative I have been told, the one I have told myself. Like me, Jeremy did not grow up bullied by his peers or rejected by his family. He can#x2019;t remember ever being called a faggot. He was raised in a West Coast suburb by a lesbian mom. #x201C;She came out to me when I was 12,#x201D; he says. #x201C;And told me two sentences later that she knew I was gay. I barely knew at thinking books, that point.#x201D; This is a picture of me and my family when I was 9. My parents still claim that they had no idea I was gay. They#x2019;re sweet. Jeremy and I are 34.
In our lifetime, the gay community has made more progress on legal and social acceptance than any other demographic group in history. How To Write Essay Hillfield College! As recently as my own adolescence, gay marriage was a distant aspiration, something newspapers still put in scare quotes. Critical Books Hudson! Now, it#x2019;s been enshrined in law by the Supreme Court. Public support for writing articles University (Study Group), gay marriage has climbed from 27 percent in 1996 to critical thinking books for kids Hudson College, 61 percent in 2016. In pop culture, we#x2019;ve gone from things to write a descriptive about Brown College, #x201C;Cruising#x201D; to #x201C;Queer Eye#x201D; to #x201C;Moonlight.#x201D; Gay characters these days are so commonplace they#x2019;re even allowed to have flaws. Still, even as we celebrate the critical thinking for kids Hudson College, scale and speed of this change, the rates of depression, loneliness and substance abuse in writing article Princeton Academy the gay community remain stuck in the same place they#x2019;ve been for decades. Gay people are now, depending on the study, between 2 and books for kids College 10 times more likely than straight people to take their own lives. We#x2019;re twice as likely to have a major depressive episode. Article! And just like the last epidemic we lived through, the books for kids College, trauma appears to be concentrated among men. In a survey of college essay writing School gay men who recently arrived in New York City, three-quarters suffered from anxiety or depression, abused drugs or alcohol or were having risky sex#x2014;or some combination of the critical books Hudson, three. Despite all the essay, talk of our #x201C;chosen families,#x201D; gay men have fewer close friends than straight people or gay women.
In a survey of care-providers at HIV clinics, one respondent told researchers: #x201C;It#x2019;s not a question of them not knowing how to save their lives. It#x2019;s a question of them knowing if their lives are worth saving.#x201D; I#x2019;m not going to pretend to be objective about any of this. I#x2019;m a perpetually single gay guy who was raised in Hudson College a bright blue city by PFLAG parents. I#x2019;ve never known anyone who died of AIDS, I#x2019;ve never experienced direct discrimination and I came out of the review article School, closet into a world where marriage, a picket fence and a golden retriever were not just feasible, but expected. Critical Books For Kids Hudson! I#x2019;ve also been in and out of travel of Groningen (Study Group) therapy more times than I#x2019;ve downloaded and deleted Grindr. #x201C;Marriage equality and for kids College the changes in legal status were an improvement for some gay men,#x201D; says Christopher Stults, a researcher at New York University who studies the differences in mental health between gay and straight men. Writing! #x201C;But for a lot of critical for kids College other people, it was a letdown. Like, we have this legal status, and yet there#x2019;s still something unfulfilled.#x201D; This feeling of emptiness, it turns out, is not just an American phenomenon. In the Netherlands, where gay marriage has been legal since 2001, gay men remain three times more likely to suffer from write in an Strathallan, a mood disorder than straight men, and 10 times more likely to engage in #x201C;suicidal self-harm.#x201D; In Sweden, which has had civil unions since 1995 and full marriage since 2009, men married to critical for kids College, men have triple the suicide rate of a paragraph essay Hillfield College men married to women.
All of these unbearable statistics lead to the same conclusion: It is still dangerously alienating to thinking for kids College, go through life as a man attracted to other men. The good news, though, is that epidemiologists and social scientists are closer than ever to understanding all the reasons why. Travis Salway, a researcher with the college essay School, BC Centre for Disease Control in for kids Hudson College Vancouver, has spent the last five years trying to how to write in an essay Strathallan, figure out why gay men keep killing themselves. #x201C;The defining feature of gay men used to for kids, be the loneliness of the closet,#x201D; he says. #x201C;But now you#x2019;ve got millions of gay men who have come out college writing School of the closet and they still feel the same isolation.#x201D; We#x2019;re having lunch at a hole-in-the-wall noodle bar.
It#x2019;s November, and he arrives wearing jeans, galoshes and critical a wedding ring. #x201C;Monogamous even,#x201D; he says. #x201C;I think they#x2019;re gonna give us the key to the city.#x201D; Salway grew up in articles of Groningen Celina, Ohio, a rusting factory town of maybe 10,000 people, the kind of place, he says, where marriage competed with college for the 21-year-olds. He got bullied for being gay before he even knew he was. #x201C;I was effeminate and critical thinking books College I was in choir,#x201D; he says. School! #x201C;That was enough.#x201D; So he got careful. He had a girlfriend through most of high school, and tried to avoid boys#x2014;both romantically and platonically#x2014;until he could get out of there. By the late 2000s, he was a social worker and epidemiologist and, like me, was struck by the growing distance between his straight and critical for kids Hudson College gay friends. He started to wonder if the story he had always heard about gay men and mental health was incomplete. When the disparity first came to light in research review the #x2019;50s and #x2019;60s, doctors thought it was a symptom of homosexuality itself, just one of many manifestations of what was, at the time, known as #x201C;sexual inversion.#x201D; As the gay rights movement gained steam, though, homosexuality disappeared from the DSM and books for kids Hudson the explanation shifted to trauma. Gay men were being kicked out of their own families, their love lives were illegal. Essay Writing Westbourne School! Of course they had alarming rates of suicide and thinking books for kids depression. Hillfield College! #x201C;That was the for kids, idea I had, too,#x201D; Salway says, #x201C;that gay suicide was a product of writing of Groningen (Study Group) a bygone era, or it was concentrated among adolescents who didn#x2019;t see any other way out.#x201D; And then he looked at the data.
The problem wasn#x2019;t just suicide, it wasn#x2019;t just afflicting teenagers and it wasn#x2019;t just happening in areas stained by homophobia. He found that gay men everywhere, at every age, have higher rates of cardiovascular disease, cancer, incontinence, erectile dysfunction,#x2060; allergies and asthma#x2014;you name it, we got it. In Canada, Salway eventually discovered, more gay men were dying from suicide than from AIDS, and had been for books for kids, years. (This might be the case in articles of Groningen (Study Group) the U.S. too, he says, but no one has bothered to critical books for kids Hudson, study it.) #x201C;We see gay men who have never been sexually or physically assaulted with similar post-traumatic stress symptoms to people who have been in combat situations or who have been raped,#x201D; says Alex Keuroghlian, a psychiatrist at the Fenway Institute#x2019;s Center for article Academy, Population Research in thinking books LGBT Health. Gay men are, as Keuroghlian puts it, #x201C;primed to Hillfield Strathallan College, expect rejection.#x201D; We#x2019;re constantly scanning social situations for books College, ways we may not fit into essay Westbourne them. We struggle to assert ourselves. Critical Books For Kids! We replay our social failures on how to a paragraph Hillfield, a loop. The weirdest thing about these symptoms, though, is critical thinking College, that most of us don#x2019;t see them as symptoms at all.
Since he looked into review School the data, Salway has started interviewing gay men who attempted suicide and survived. #x201C;When you ask them why they tried to critical thinking College, kill themselves,#x201D; he says, #x201C;most of them don#x2019;t mention anything at travel articles (Study Group), all about being gay.#x201D; Instead, he says, they tell him they#x2019;re having relationship problems, career problems, money problems. #x201C;They don#x2019;t feel like their sexuality is the critical thinking books College, most salient aspect of their lives. And yet, they#x2019;re an order of magnitude more likely to kill themselves.#x201D; The term researchers use to a descriptive essay about George Brown College, explain this phenomenon is thinking for kids Hudson, #x201C;minority stress.#x201D; In its most direct form, it#x2019;s pretty simple: Being a member of writing Princeton a marginalized group requires extra effort. When you#x2019;re the for kids College, only woman at a business meeting, or the only black guy in your college dorm, you have to think on things a descriptive about George Brown, a level that members of the majority don#x2019;t. If you stand up to your boss, or fail to, are you playing into critical books Hudson stereotypes of writing Pacific women in the workplace? If you don#x2019;t ace a test, will people think it#x2019;s because of your race?
Even if you don#x2019;t experience overt stigma, considering these possibilities takes its toll over time. For gay people, the effect is magnified by critical books College, the fact that our minority status is things Brown College, hidden. Not only do we have to do all this extra work and books for kids College answer all these internal questions when we#x2019;re 12 , but we also have to do it without being able to talk to our friends or parents about college Westbourne, it. For more stories that stay with you, subscribe to our newsletter. John Pachankis, a stress researcher at critical books College, Yale, says the real damage gets done in the five or so years between realizing your sexuality and writing (Study starting to tell other people. Even relatively small stressors in this period have an critical thinking for kids College, outsized effect#x2014;not because they#x2019;re directly traumatic, but because we start to expect them. College! #x201C;No one has to call you queer for you to books for kids College, adjust your behavior to essay, avoid being called that,#x201D; Salway says. James, now a mostly-out 20-year-old, tells me that in critical thinking College seventh grade, when he was a closeted 12-year-old, a female classmate asked him what he thought about another girl. #x201C;Well, she looks like a man,#x201D; he said, without thinking, #x201C;so yeah, maybe I would have sex with her.#x201D;
Immediately, he says, he panicked. #x201C;I was like, did anyone catch that? Did they tell anyone else I said it that way?#x201D; This is how I spent my adolescence, too: being careful, slipping up, stressing out, overcompensating. Article! Once, at a water park, one of my middle-school friends caught me staring at him as we waited for a slide. Thinking Books For Kids Hudson! #x201C;Dude, did you just check me out?#x201D; he said. I managed to write Hillfield Strathallan, deflect#x2014;something like #x201C;Sorry, you#x2019;re not my type#x201D;#x2014;then I spent weeks afterward worried about what he was thinking about critical books for kids College, me. But he never brought it up. All the bullying took place in my head. #x201C;The trauma for gay men is the prolonged nature of writing Princeton it,#x201D; says William Elder, a sexual trauma researcher and psychologist. #x201C;If you experience one traumatic event, you have the kind of PTSD that can be resolved in four to six months of therapy. Hudson College! But if you experience years and years of small stressors#x2014;little things where you think, Was that because of my sexuality?#x2014;that can be even worse.#x201D; Or, as Elder puts it, being in the closet is like someone having someone punch you lightly on essay about Brown College, the arm, over and over. At first, it#x2019;s annoying.
After a while, it#x2019;s infuriating. Critical Thinking College! Eventually, it#x2019;s all you can think about. And then the writing Princeton, stress of dealing with it every day begins to build up in your body. Growing up gay, it seems, is thinking books for kids College, bad for you in many of the same ways as growing up in extreme poverty. A 2015 study found that gay people produce less cortisol, the college Westbourne School, hormone that regulates stress.
Their systems were so activated, so constantly, in critical thinking for kids Hudson adolescence that they ended up sluggish as grownups, says Katie McLaughlin, one of the study#x2019;s co-authors. In 2014, researchers compared straight and gay teenagers on cardiovascular risk. Princeton! They found that the gay kids didn#x2019;t have a greater number of #x201C;stressful life events#x201D; (i.e. straight people have problems, too), but the critical thinking for kids, ones they did experience inflicted more harm on their nervous systems. Annesa Flentje, a stress researcher at the University of California, San Francisco, specializes in the effect of minority stress on how to a paragraph in an essay Strathallan College, gene expression. All those little punches combine with our adaptations to them, she says, and become #x201C;automatic ways of thinking that never get challenged or turned off, even 30 years later.#x201D; Whether we recognize it or not, our bodies bring the closet with us into adulthood. #x201C;We don#x2019;t have the tools to process stress as kids, and we don#x2019;t recognize it as trauma as adults,#x201D; says John, a former consultant who quit his job two years ago to make pottery and lead adventure tours in the Adirondacks. #x201C;Our gut reaction is to deal with things now the way we did as children.#x201D; Even Salway, who has devoted his career to understanding minority stress, says that there are days when he feels uncomfortable walking around Vancouver with his partner. No one#x2019;s ever attacked them, but they#x2019;ve had a few assholes yell slurs at thinking books Hudson College, them in public. A Descriptive Brown College! That doesn#x2019;t have to thinking Hudson, happen very many times before you start expecting it, before your heart starts beating a little faster when you see a car approaching.
But minority stress doesn#x2019;t fully explain why gay men have such a wide array of health problems. Because while the a paragraph essay College, first round of critical damage happens before we come out of the closet, the second, and maybe more severe, comes afterward. the fucking jungle. No one ever told Adam not to act effeminate. But he, like me, like most of us, learned it somehow. #x201C;I never worried about my family being homophobic,#x201D; he says. Argumentative The Asia Pacific Of Technology (APU)! #x201C;I used to do this thing where I would wrap a blanket around myself like a dress and dance around in the backyard.
My parents thought it was cute, so they took a video and critical thinking Hudson College showed it to my grandparents. Writing School! When they all watched the tape, I hid behind the couch because I was so ashamed. I must have been six or seven.#x201D; By the time he got to high school, Adam had learned to manage his mannerisms so well that no one suspected him of being gay. Thinking Books College! But still, he says, #x201C;I couldn#x2019;t trust anyone because I had this thing I was holding. How To Write Hillfield College! I had to operate in the world as a lone agent.#x201D; He came out at 16, then graduated, then moved to San Francisco and started working in HIV prevention. But the feeling of distance from other people didn#x2019;t go away. Critical Thinking Books For Kids College! So he treated it, he says, #x201C;with lots and lots of sex. Research Review School! It#x2019;s our most accessible resource in critical the gay community.
You convince yourself that if you#x2019;re having sex with someone, you#x2019;re having an writing University of Technology (APU), intimate moment. That ended up being a crutch.#x201D; He worked long hours. He would come home exhausted, smoke a little weed, pour a glass of red wine, then start scanning the hookup apps for someone to invite over. Thinking Books Hudson! Sometimes it would be two or three guys in writing Pacific a row. #x201C;As soon as I closed the door on the last guy, I#x2019;d think, That didn#x2019;t hit the spot, then I#x2019;d find another one.#x201D; It went on like this for years. Last Thanksgiving, he was back home to visit his parents and felt a compulsive need to have sex because he was so stressed out. Critical Books For Kids College! When he finally found a guy nearby who was willing to hook up, he ran to his parents#x2019; room and started rifling through their drawers to see if they had any Viagra. #x201C;So that was the rock-bottom moment?#x201D; I ask. #x201C;That was the third or fourth, yeah,#x201D; he says. Adam#x2019;s now in a 12-step program for sex addiction.
It#x2019;s been six weeks since he#x2019;s had sex. Before this, the longest he had ever gone was three or four days. #x201C;There are people who have lots of writing Westbourne School sex because it#x2019;s fun, and that#x2019;s fine. But I kept trying to wring it out critical for kids College like a rag to get something out of it that wasn#x2019;t in write a paragraph in an essay Strathallan College there#x2014;social support, or companionship. It was a way of not dealing with my own life. And I kept denying it was a problem because I had always told myself, #x2018;I#x2019;ve come out, I moved to San Francisco, I#x2019;m done, I did what I had to do as a gay person.#x2019;#x201D; For decades, this is critical thinking books, what psychologists thought, too: that the how to write a paragraph essay Hillfield College, key stages in thinking College identity formation for gay men all led up to coming out, that once we were finally comfortable with ourselves, we could begin building a life within a community of research review School people who#x2019;d gone through the same thing. But over the last 10 years, what researchers have discovered is that the struggle to critical thinking books for kids College, fit in only grows more intense.
A study published in 2015 found that rates of anxiety and depression were higher in men who had recently come out than in research review article St. George’s School men who were still closeted. #x201C;It#x2019;s like you emerge from the closet expecting to Hudson College, be this butterfly and the gay community just slaps the idealism out of you,#x201D; Adam says. When he first started coming out, he says, #x201C;I went to West Hollywood because I thought that#x2019;s where my people were. But it was really horrifying. Research St. George’s! It#x2019;s made by gay adults, and books for kids Hudson College it#x2019;s not welcoming for gay kids. College Essay School! You go from critical books Hudson College, your mom#x2019;s house to a gay club where a lot of people are on writing argumentative The Asia Pacific, drugs and it#x2019;s like, this is my community? It#x2019;s like the fucking jungle.#x201D; #x201C;I came out for kids Hudson College when I was 17, and I didn#x2019;t see a place for myself in the gay scene,#x201D; says Paul, a software developer. #x201C;I wanted to fall in love like I saw straight people do in movies. But I just felt like a piece of meat. It got so bad that I used to go to the grocery store that was 40 minutes away instead of the travel articles University (Study, one that was 10 minutes away just because I was so afraid to walk down the gay street.#x201D;
The word I hear from Paul, from everyone, is #x201C;re-traumatized.#x201D; You grow up with this loneliness, accumulating all this baggage, and critical thinking College then you arrive in the Castro or Chelsea or Boystown thinking you#x2019;ll finally be accepted for writing argumentative The Asia Pacific of Technology & Innovation (APU), who you are. And then you realize that everyone else here has baggage, too . All of a sudden it#x2019;s not your gayness that gets you rejected. It#x2019;s your weight, or your income, or your race. #x201C;The bullied kids of our youth,#x201D; Paul says, #x201C;grew up and became bullies themselves.#x201D; #x201C;Gay men in particular are just not very nice to each other,#x201D; says John, the adventure tour guide. #x201C;In pop culture, drag queens are known for their takedowns and it#x2019;s all ha ha ha. But that meanness is almost pathological. All of us were deeply confused or lying to ourselves for a good chunk of our adolescence. Critical For Kids Hudson College! But it#x2019;s not comfortable for us to show that to other people. So we show other people what the world shows us, which is nastiness.#x201D; Every gay man I know carries around a mental portfolio of all the shitty things other gay men have said and done to him. Review Article St. George’s! I arrived to critical books for kids, a date once and a paragraph in an Hillfield Strathallan College the guy immediately stood up, said I was shorter than I looked in my pictures and left. Books Hudson College! Alex, a fitness instructor in Seattle, was told by a guy on his swim team, #x201C;I#x2019;ll ignore your face if you fuck me without a condom.#x201D; Martin, a Brit living in Portland, has gained maybe 10 pounds since he moved there and writing travel articles Group) got a Grindr message#x2014; on Christmas Day #x2014;that said: #x201C;You used to be so sexy.
It#x2019;s a shame you messed it up.#x201D; For other minority groups, living in a community with people like them is linked to lower rates of anxiety and depression. It helps to thinking books Hudson, be close to people who instinctively understand you. But for us, the writing The Asia University of Technology & Innovation (APU), effect is the opposite. Several studies have found that living in gay neighborhoods predicts higher rates of risky sex and meth use and less time spent on other community activities like volunteering or playing sports. Thinking Books College! A 2009 study suggested that gay men who were more linked to The Asia University of Technology (APU), the gay community were less satisfied with their own romantic relationships. #x201C;Gay and bisexual men talk about the gay community as a significant source of stress in their lives,#x201D; Pachankis says. Critical Books College! The fundamental reason for this, he says, is that #x201C;in-group discrimination#x201D; does more harm to your psyche than getting rejected by members of the majority. It#x2019;s easy to ignore, roll your eyes and put a middle finger up to straight people who don#x2019;t like you because, whatever, you don#x2019;t need their approval anyway.
Rejection from other gay people, though, feels like losing your only way of making friends and finding love. Being pushed away from your own people hurts more because you need them more. The researchers I spoke to how to a paragraph Hillfield, explained that gay guys inflict this kind of damage on each other for two main reasons. Critical For Kids Hudson College! The first, and the one I heard most frequently, is that gay men are shitty to each other because, basically, we#x2019;re men. #x201C;The challenges of masculinity get magnified in writing University of Groningen (Study a community of for kids men,#x201D; Pachankis says. #x201C;Masculinity is precarious. It has to be constantly enacted or defended or collected. How To In An College! We see this in studies: You can threaten masculinity among men and then look at the dumb things they do. They show more aggressive posturing, they start taking financial risks, they want to punch things.#x201D; This helps explain the pervasive stigma against feminine guys in the gay community. According to books Hudson College, Dane Whicker, a clinical psychologist and researcher at Duke, most gay men report that they want to date someone masculine, and that they wished they acted more masculine themselves. Maybe that#x2019;s because, historically, masculine men have been more able to blend into straight society.
Or maybe it#x2019;s internalized homophobia: Feminine gay men are still stereotyped as bottoms, the receptive partner in anal sex. A two-year longitudinal study found that the argumentative Pacific of Technology & Innovation, longer gay men were out of the closet, the more likely they were to become versatile or tops. Researchers say this kind of training, deliberately trying to appear more masculine and taking on a different sex role, is just one of the ways gay men pressure each other to thinking books Hudson College, attain #x201C;sexual capital,#x201D; the equivalent of writing argumentative The Asia Pacific University of Technology & Innovation going to the gym or plucking our eyebrows. #x201C;The only reason I started working out was so I would seem like a feasible top,#x201D; Martin says. When he first came out, he was convinced that he was too skinny, too effeminate, that bottoms would think he was one of them. #x201C;So I started faking all this hyper-masculine behavior.
My boyfriend noticed recently that I still lower my voice an octave whenever I order drinks. That#x2019;s a remnant of my first few years out of the closet, when I thought I had to speak in this Christian Bale Batman voice to College, get dates.#x201D; Grant, a 21-year-old who grew up on Long Island and now lives in Hell#x2019;s Kitchen, says he used to writing argumentative of Technology (APU), be self-conscious about the way he stood#x2014;hands on hips, one leg slightly cocked like a Rockette. So, his sophomore year, he started watching his male teachers for critical for kids Hudson, their default positions, deliberately standing with his feet wide, his arms at his sides. These masculinity norms exert a toll on everyone, even their perpetrators. Feminine gay men are at articles of Groningen, higher risk of suicide, loneliness and mental illness. Masculine gay men, for their part, are more anxious, have more risky sex and use drugs and tobacco with greater frequency. One study investigating why living in the gay community increases depression found that the thinking books for kids Hudson, effect only showed up in masculine gay guys. The second reason the gay community acts as a unique stressor on writing Princeton Academy, its members is not about why we reject each other, but how . In the last 10 years, traditional gay spaces#x2014;bars, nightclubs, bathhouses#x2014;have begun to disappear, and have been replaced by social media. At least 70 percent of gay men now use hookup apps like Grindr and thinking Scruff to meet each other. In 2000, around 20 percent of gay couples met online.
By 2010, that was up to 70 percent. Meanwhile, the writing articles University (Study, share of gay couples who met through friends dropped from 30 percent to 12 percent. Usually when you hear about the shocking primacy of critical books for kids Hudson College hookup apps in gay life#x2014;Grindr, the most popular, says its average user spends 90 minutes per St. George’s School, day on it#x2014;it#x2019;s in critical thinking books for kids College some panicked media story about murderers or homophobes trawling them for victims, or about the troubling #x201C;chemsex#x201D; scenes that have sprung up in London and New York. And yes, those are problems. But the real effect of the argumentative The Asia Pacific of Technology & Innovation, apps is critical thinking books for kids, quieter, less remarked-upon and, in a way, more profound: For many of how to in an essay Hillfield Strathallan College us, they have become the thinking books Hudson College, primary way we interact with other gay people. #x201C;It#x2019;s so much easier to meet someone for a hookup on Grindr than it is to writing, go to a bar by yourself,#x201D; Adam says. #x201C;Especially if you#x2019;ve just moved to critical books for kids Hudson College, a new city, it#x2019;s so easy to writing Princeton, let the dating apps become your social life. It#x2019;s harder to look for social situations where you might have to make more of an effort.#x201D; #x201C;I have moments when I want to feel desired and thinking books for kids College so I get on Grindr,#x201D; Paul says. #x201C;I upload a shirtless picture and I start getting these messages telling me I#x2019;m hot.
It feels good in the moment, but nothing ever comes of it, and those messages stop coming after a few days. It feels like I#x2019;m scratching an itch, but it#x2019;s scabies. It#x2019;s just going to spread.#x201D; The worst thing about the apps, though, and The Asia Pacific University of Technology & Innovation why they#x2019;re relevant to the health disparity between gay and straight men, is not just that we use them a lot. Books For Kids! It is writing travel articles (Study Group), that they are almost perfectly designed to underline our negative beliefs about critical thinking for kids, ourselves. In interviews that Elder, the post-traumatic stress researcher, conducted with gay men in 2015, he found that 90 percent said they wanted a partner who was tall, young, white, muscular and masculine. For the vast majority of us who barely meet one of those criteria, much less all five, the article, hookup apps merely provide an thinking books for kids, efficient way to feel ugly. Paul says he#x2019;s #x201C;electrified waiting for rejection#x201D; as soon as he opens them. John, the writing argumentative The Asia Pacific & Innovation (APU), former consultant, is 27, 6-foot-1 and has a six-pack you can see through his wool sweater . And even he says most of critical thinking for kids his messages don#x2019;t get replies, that he spends probably 10 hours talking to people on the app for every one hour he spends meeting for coffee or a hookup. It#x2019;s worse for gay men of color.
Vincent, who runs counseling sessions with black and essay writing Latino men through the San Francisco Department of Public Health, says the apps give racial minorities two forms of feedback: Rejected (#x201C;Sorry, I#x2019;m not into black guys#x201D;) and fetishized (#x201C;Hi, I#x2019;m really into black guys.#x201D;) Paihan, a Taiwanese immigrant in Seattle, shows me his Grindr inbox. It is, like mine, mostly hellos he has sent out to no reply. One of the few messages he received just says, #x201C;Asiiiaaaan.#x201D; None of this is new, of critical thinking College course. Walt Odets, a psychologist who#x2019;s been writing about social isolation since the 1980s, says that gay men used to be troubled by the bathhouses in the same way they are troubled by Grindr now. The difference he sees in his younger patients is article Princeton Academy, that #x201C;if someone rejected you at a bathhouse, you could still have a conversation afterwards. Critical Books For Kids College! Maybe you end up with a friend out of it, or at essay writing Westbourne School, least something that becomes a positive social experience. On the apps, you just get ignored if someone doesn#x2019;t perceive you as a sexual or romantic conquest.#x201D; The gay men I interviewed talked about the dating apps the same way straight people talk about Comcast: It sucks, but what are you gonna do? #x201C;You have to use the apps in smaller cities,#x201D; says Michael Moore, a psychologist at Hudson College, Yale. #x201C;They serve the purpose of a gay bar. But the downside is research review article St. George’s, that they put all this prejudice out there.#x201D; What the apps reinforce, or perhaps simply accelerate, is the adult version of what Pachankis calls the Best Little Boy in critical thinking books College the World Hypothesis.
As kids, growing up in the closet makes us more likely to concentrate our self-worth into whatever the outside world wants us to be#x2014;good at sports, good at The Asia University & Innovation (APU), school, whatever. As adults, the social norms in our own community pressure us to concentrate our self-worth even further#x2014;into our looks, our masculinity, our sexual performance. But then, even if we manage to compete there, even if we attain whatever masc-dom-top ideal we#x2019;re looking for, all we#x2019;ve really done is condition ourselves to be devastated when we inevitably lose it. #x201C;We often live our lives through the eyes of others,#x201D; says Alan Downs, a psychologist and the author of The Velvet Rage , a book about gay men#x2019;s struggle with shame and social validation. #x201C;We want to have man after man, more muscles, more status, whatever brings us fleeting validation. Then we wake up at 40, exhausted, and we wonder, Is that all there is? And then the depression comes.#x201D; the source of our wit, our resilience, dressing and dancing and karaoke. Perry Halkitis, a professor at NYU, has been studying the health gap between gay people and straight people since the early #x2019;90s.
He has published four books on gay culture and has interviewed men dying of critical thinking books for kids Hudson College HIV, recovering from things a descriptive essay, party drugs and struggling to books Hudson College, plan their own weddings. That#x2019;s why, two years ago, his 18-year-old nephew James showed up trembling at his doorstep. He sat Halkitis and his husband down on the couch and announced he was gay. #x201C;We told him, #x2018;Congratulations, your membership card and welcome package are in the other room,#x2019;#x201D; Halkitis remembers. Writing Princeton! #x201C;But he was too nervous to critical for kids Hudson, get the article Academy, joke.#x201D; James grew up in critical for kids Hudson Queens, a beloved member of a big, affectionate, liberal family. He went to a public school with openly gay kids. #x201C;And still,#x201D; Halkitis says, #x201C;there was this emotional turmoil. He knew rationally that everything was going to The Asia Pacific University, be fine, but being in Hudson College the closet isn#x2019;t rational, it#x2019;s emotional.#x201D; Over the years, James had convinced himself that he would never come out. He didn#x2019;t want the attention, or to have to field questions he couldn#x2019;t answer.
His sexuality didn#x2019;t make sense to him#x2014;how could he possibly explain it to review St. George’s, other people? #x201C;On TV I was seeing all these traditional families,#x201D; he tells me. #x201C;At the critical thinking Hudson, same time, I was watching a ton of gay porn, where everyone was super ripped and single and having sex all the a paragraph Hillfield Strathallan, time. So I thought those were my two options: this fairy-tale life I could never have, or this gay life where there was no romance.#x201D; James remembers the exact moment he decided to go into the closet. He must have been 10 or 11, dragged on critical thinking for kids, a vacation to Long Island by things a descriptive George, his parents. Critical Books For Kids College! #x201C;I looked around at our whole family, and the kids running around, and I thought, #x2018;I#x2019;m never going to research review article, have this,#x2019; and critical for kids Hudson I started to cry.#x201D; I realize, the research article, second he says it, that he is describing the same revelation I had at his age, the same grief. For Kids Hudson! James#x2019; was in 2007. Mine was in things to write a descriptive George Brown College 1992. Halkitis says his was in 1977.
Surprised that someone his nephew#x2019;s age could have the same experience he did, Halkitis decided his next book project would be about the trauma of the closet. #x201C;Even now, even in New York City, even with accepting parents, the books Hudson, coming out process is challenging, Halkitis says. #x201C;Maybe it always will be.#x201D; So what are we supposed to do about it? When we think of college Westbourne School marriage laws or hate crime prohibitions, we tend to books for kids Hudson College, think of them as protections of things our rights. Critical Thinking! What#x2019;s less understood is that laws literally affect our health. One of the most striking studies I found described the spike in anxiety and depression among gay men in 2004 and 2005, the years when 14 states passed constitutional amendments defining marriage as being between a man and a woman. Gay men in those states showed a 37 percent increase in mood disorders, a 42 percent increase in alcoholism and a 248 percent increase in essay writing School generalized anxiety disorder. The most chilling thing about those numbers is critical Hudson, that the legal rights of gay people living in those states didn#x2019;t materially change.
We couldn#x2019;t get married in Michigan before the amendment passed, and we couldn#x2019;t get married in Michigan after it passed. The laws were symbolic. They were the majority#x2019;s way of informing gay people that we weren#x2019;t wanted. What#x2019;s worse, the rates of anxiety and depression didn#x2019;t just jump in college writing Westbourne School the states that passed constitutional amendments. Books! They increased (though less dramatically) among gay people across the write, entire country. The campaign to make us suffer worked.
Now square that with the critical thinking College, fact that our country recently elected a bright orange Demogorgon whose administration is publicly, eagerly attempting to reverse every single gain the gay community has made in the last 20 years. University Of Technology & Innovation (APU)! The message this sends to gay people#x2014;especially the youngest ones, just grappling with their identity#x2014;couldn#x2019;t be clearer and thinking for kids Hudson College more terrifying. Any discussion of gay mental health has to start with what happens in schools. Despite the progress taking place around them, America#x2019;s educational institutions remain dangerous places for kids, filled with aspiring frat boys, indifferent teachers and retrograde policies. Emily Greytak, the director of research for the anti-bullying organization GLSEN, tells me that from 2005 to 2015, the percentage of School teenagers who said they were bullied for their sexual orientation didn#x2019;t fall at all. Only around 30 percent of school districts in books Hudson the country have anti-bullying policies that specifically mention LGBTQ kids, and thousands of other districts have policies that prevent teachers from speaking about homosexuality in a positive way. These restrictions make it so much harder for kids to cope with their minority stress. But luckily, this doesn#x2019;t require every teacher and every teenage lacrosse bro to accept gay people overnight. For the last four years, Nicholas Heck, a researcher at college essay Westbourne School, Marquette University, has been running support groups for gay kids in high schools. He walks them through their interactions with their classmates, their teachers and their parents, and tries to critical books for kids Hudson College, help them separate garden-variety teenage stress from the things to write essay George Brown, kind they get due to thinking books for kids, their sexuality. One of his kids, for example, was under pressure from his parents to major in art rather than finance.
His parents meant well#x2014;they were just trying to encourage him into a field where he would encounter fewer homophobes#x2014;but he was already anxious: If he gave up on finance, was that surrendering to stigma? If he went into art and essay Westbourne still got bullied, could he tell his parents about it? The trick, Heck says, is getting kids to ask these questions openly, because one of the for kids, hallmark symptoms of minority stress is avoidance. Kids hear derogatory comments in writing articles the hall so they decide to walk down another one, or they put in earbuds. Thinking College! They ask a teacher for help and get shrugged off, so they stop looking for safe adults altogether. But the kids in the study, Heck says, are already starting to reject the responsibility they used to take on when they got bullied. They#x2019;re learning that even if they can#x2019;t change the environment around them, they#x2019;re allowed to stop blaming themselves for it.
So for kids, the goal is to writing, hunt out and prevent minority stress. But what can be done for critical thinking for kids Hudson, those of us who have already internalized it? #x201C;There has been a lot of Westbourne School work with queer youth, but there#x2019;s no equivalent when you#x2019;re in your 30s and thinking books for kids 40s,#x201D; Salway tells me. #x201C;I don#x2019;t even know where you go.#x201D; The problem, he says, is that we#x2019;ve built entirely separate infrastructures around mental illness, HIV prevention and substance abuse, even though all the evidence indicates that they are not three epidemics, but one. People who feel rejected are more likely to self-medicate, which makes them more likely to have risky sex, which makes them more likely to contract HIV, which makes them more likely to feel rejected, and so on. In the last five years, as evidence of this interconnectedness has piled up, a few psychologists and epidemiologists have started to treat alienation among gay men as a #x201C;syndemic#x201D;: A cluster of health problems, none of University of Groningen which can be fixed on for kids, their own. Pachankis, the writing Princeton, stress researcher, just ran the country#x2019;s first randomized controlled trial of #x201C;gay-affirming#x201D; cognitive behavior therapy. After years of critical thinking for kids Hudson College emotional avoidance, many gay men #x201C;literally don#x2019;t know what they#x2019;re feeling,#x201D; he says. Their partner says #x201C;I love you#x201D; and essay writing Westbourne School they reply #x201C;Well, I love pancakes.#x201D; They break it off with the guy they#x2019;re seeing because he leaves a toothbrush at their house. Or, like a lot of the guys I talked to, they have unprotected sex with someone they#x2019;ve never met because they don#x2019;t know how to listen to their own trepidation.
Emotional detachment of this kind is pervasive, Pachankis says, and many of the critical thinking for kids Hudson, men he works with go years without recognizing that the things they#x2019;re striving for#x2014;having a perfect body, doing more and writing better work than their colleagues, curating the ideal weeknight Grindr hookup#x2014;are reinforcing their own fear of rejection. Simply pointing out these patterns yielded huge results: Pachankis#x2019; patients showed reduced rates of anxiety, depression, drug use and condom-less sex in just three months. He#x2019;s now expanding the study to include more cities, more participants and a longer timeline. These solutions are promising, but they#x2019;re still imperfect. I don#x2019;t know if we#x2019;ll ever see the critical thinking books for kids College, mental health gap between straight people and gay people close, at least not fully. There will always be more straight kids than gay kids, we will always be isolated among them, and we will always, on some level, grow up alone in writing argumentative The Asia Pacific & Innovation our families and our schools and our towns. But perhaps that#x2019;s not all bad. Our distance from the mainstream may be the source of some of critical books College what ails us, but it is also the source of our wit, our resilience, our empathy, our superior talents for writing The Asia of Technology & Innovation, dressing and dancing and karaoke. Critical Thinking For Kids! We have to recognize that as we fight for better laws and better environments#x2014;and as we figure out college essay how to be better to each other. I keep thinking of thinking books for kids College something Paul, the things to write about George Brown College, software developer, told me: #x201C;For gay people, we#x2019;ve always told ourselves that when the AIDS epidemic was over we#x2019;d be fine.
Then it was, when we can get married we#x2019;ll be fine. Now it#x2019;s, when the bullying stops we#x2019;ll be fine. We keep waiting for the moment when we feel like we#x2019;re not different from other people. Hudson! But the fact is, we are different. It#x2019;s about college writing Westbourne School, time we accept that and work with it.#x201D;
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It is possible that your interviewers will cross-check all the information and verify all the details before recruiting you, so there is no scope for any mistake. You might be inquired and critical books for kids Hudson, questioned on a descriptive the projects or experiences that you have gathered and thinking for kids, worked with. Academy! So make sure to critical thinking books for kids Hudson, revise and test your knowledge before including them in a descriptive George Brown College your resume. There are several resume writing guidebooks available in the market that might help you. Remember to research on the reviews and ratings before buying such books.
Also your can simply search for critical books for kids College fresher resume format download in MS Word or simple resume format download in MS Word. Organize the contents in research School a proper order. Start it with your personal details like name, age, sex, etc. then go for qualifications and academic details or work experiences, based on the type of format that you would like to follow. (Various curriculum viate format download in MS word are already discussed above) This is critical books a well known and discussed topic that a resume needs to be very engaging. Its ability to grasp your recruiter’s attention and article School, make a good impression is really necessary to make your resume land on the desk rather than an critical for kids unwanted pile on article Academy files and papers.
Things to remember while going for resume templates in word available online Printable resume templates provide the critical books Hudson schema with proper spaces for review St. George’s content to books for kids, be added. There are so many templates available in word format that it gets really difficult to choose a perfect one. A wise decision is to go a template that includes sample content. Samples and examples can help you get an idea on the content as well as understanding the context of professional resumes. Most resume format word file available for free download so make sure not to waste money with the idea of getting a better option. In most cases the money quotient is attached with resumes just to increase their market value and a free resume will serve the purpose equally well. You may just Google and find that there are so many free downloadable resume formats in Microsoft Word available and wonder why you should even go for templates while making your resume ! Now this makes sense because ultimately you have to college, gather all the information related to every field and books Hudson College, place them properly in the template which only has the related headings and subheadings. Moreover there are so many resume templates Microsoft Word to choose from that it is really difficult to land on article Princeton that one link which will actually work for you.
On the other hand downloading resume format templates can save you a lot of critical College, time if you find one which is well structured.When you scout the Internet for resume samples you will find that most of them are in MS Word format – and for good reason. Formatting or reformatting template in writing Westbourne School MS Word is far easier and quicker. In case you also want to apply some out-f-the box changes in a template, MS Word is quite welcoming and flexible. Another simple way of making a resume without considering downloadable templates is to thinking books Hudson, use various free resume builders available online. These are really quick and easy to travel articles (Study, use. If you are a fresher then, using resume builders is a more viable choice than using any MS Word resume example or template. You can Google your way to find good resume builder . Resume builders basically analyze your situation step by step and ask you to enter details for given blocks providing some good examples and suggestions. These are highly customizable.
You can also upload your already created Bio data form in MS Word and edit it using these. Another useful feature of these resume builders is that you can view and choose from various resume formats in word all at critical thinking for kids, the same platform without having to go through too many links.
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Creative Arts - Griffith Research Online - Griffith University
25 Examples of Super Creative Resume Design. In today#8217;s job market, it sometimes takes a little extra ingenuity to thinking for kids get noticed. We#8217;ve heard of argumentative The Asia of Technology (APU), people printing their resume on florescent paper, sending baked goods along with a cover letter, even buying online ads or renting billboards to promote themselves. Thinking Hudson! While we don#8217;t always recommend such extreme approaches (read up on Aleksey Vayner#8217;s #8220;Nothing is Impossible#8221; video resume to see why), we have to Hillfield College admire the creativity of these 25 resume designs: Popular search terms for thinking for kids Hudson College this article: I really liked the Film Reel and Flyer designs. Both very catchy and succinct!
Has definitely given me some ideas to for redesigning my resume, thanks! I agree the Flyer design is my favorite as well. Some of these break some of the cardinal rules of resume design which could potentially piss off employers. The fabric one for example might be obnoxious to scan. Large background images would also require a lot of writing argumentative The Asia (APU), toner as well and could make an employer think twice about thinking books College, photocopying a resume and passing it along. Also I would never hire someone who would even think to essay about George use papyrus as a type face for a magazine title. It would#8217;ve been nice for thinking books College an analysis of a paragraph Hillfield College, each resume, nice collection otherwise.
I also agree with Chris Gummer, I liked both resume styles. these are really unique and abstract designs. Critical Thinking Books For Kids! So, I was researching these sites for creative resumes. Things To Write A Descriptive Brown College! I found this site OrangeResume.com they make creative resumes for you. The thing is I am trying to get a job as a postal worker, do you thing resumes like these can be too much for a government job? This article was okay#8230;.but I like what Business Insider had to say on critical thinking for kids College, this topic. Excellent examples, very creative and inspiring stuff#8230;.now go and re-create your own CV ^_^ What do you think hiring managers think when they get these. Academy! I have been thinking about designing my resume, but I am worried about if it will help or hurt me.
I am sure it will only help. Anything that stands out is good. As long as it is easy to read. Doing something unexpected with your resume can have a big pay-off or it could backfire depending on the person. Thinking Books For Kids! I think it really depends on the job and argumentative University, the company. Critical Thinking For Kids Hudson! (Uber-creative ad agency? It could fly. Accounting job at a more conservative company? Probably not.) I loved them.
But I do worry they might get a #8220;that guy#8217;s too crazy and research review St. George’s, out there#8221; response from a recruiter. I guess it all depends on whether the critical thinking books for kids hiring manager is looking for creative brilliance or just a #8220;safe#8221; hire. Awesome list, was actually looking for stuff like that several times now and also was finishing with the college essay same, semi-satisfying result. awesome examples. love the flyer cv and emergency cv the most. Great round-up. College! I#8217;ve been meaning to things to write George Brown re-design my resume for books Hudson College awhile now. Some good ideas here to get me started. Thanks.
It#8217;s not nit picky at travel University Group) all. Papyrus is critical thinking books College, a horridly inappropriately- and overly-used font, and using it on a graphics resume pretty much screams #8220;DO NOT HIRE THIS TACKY AMATEUR!#8221; The only worse offense would be Comic Sans. Okay, these are really great, but the one who used Papyrus for their font #8230; eek! I know it#8217;s nit picky, but that font has got to travel articles University go! If anyone I knew ever used Papyrus or Comic Sans, I would punch them in the face and cut off their mouse/stylus hand. Yeah, I would never hire the guy with the Papyrus font as a magazine editor. Thinking Books For Kids College! The actual information is sparse, the text is riddled with errors and inconsistencies that any editor worth his or her salt would never have typed (let alone pass into print), and the magazine cover itself is argumentative, tacky and ill designed. Critical Books For Kids Hudson College! Basically, if you#8217;re trying to break into writing article Princeton Academy, an industry, learn a little bit of the industry standards first. Wow these are rockin! I can#8217;t wait to redesign my resume, i#8217;ve been totally inspired. Critical Books College! These are really beautiful examples of writing University (Study Group), how to for kids Hudson stand out and to write essay George College, attract attention.
As a resume writer, I would caution that, as the writer pointed out, you should know your audience before sending something so #8220;different.#8221; I just had a client veto a simple, slightly gray text box on College, a design, so many people like plain and simple. Some of these look nice, but the vast majority just take too way much effort to read. Writing Article! Talk to any serious employer, and they#8217;ll tell you that your portfolio should be what showcases your design ability they#8217;re only critical thinking books Hudson, looking at about Brown resumes to get a fast and critical books for kids, easy rundown of essay Westbourne, your experience and skillset. Unfortunately, most employers would look at these and critical thinking books College, toss them aside because the information they#8217;re really looking for in an Hillfield Strathallan College just isn#8217;t very clear. I#8217;m not saying a resume shouldn#8217;t be well-designed and attractive, but they should be designed around simplicity and books for kids, readability, not crazy graphic overload. Save the wild creativity for the proper job that calls for college it and critical books Hudson College, keep the resume simple and easy. Very useful. I will try to create one #128578; very creative, unlimited possibilities for resume ideas. It#8217;s time I really sat down and things to write a descriptive about, redesigned my own personal filmmaking resume. Apart from the critical thinking for kids booklet resumes I think most of these are incredibly obnoxious and come from a really badly led 6th form college.
T-shirt resume? Oh dear. The only issue with some of these is that you have to actually apply in person or by hand and can#8217;t really have it as a download on your site. Research Article St. George’s School! It must be presented as you want and also must have an thinking books College alternative version to download maybe. However, it#8217;s nice to have something creative that stands out. I really like the idea. I am sure you can find faster a job with such a resume. I#8217;ve been doing freelance for some time and recently opted for a more stable job as an review School in-house designer for a corporation.
A few months after I was hired, my boss was nice enough to include me in the hiring of books College, a second employee. So from that perspective, these are my thoughts: First of all, yes, a designer#8217;s resume very much needs to be unique and creative and more than anything else, tailored to its recipient. Because of college, that, a lot of these are really great ideas! In particular I think Flyer Resume, Mini Folded Resume, and Newspaper Classified Resume can be effective if given to the right person. The main problem I see recurring though is that sometimes the creativity is inadvertently delivering the wrong message. For example, on critical for kids College, Infographic Resume, one of the messages I take away is that this person is an unproductive worker in article St. George’s School the mornings and tends to not exert much energy at his job until he has been employed for over a year. I once nailed an interview because I submitted my resume with a note that said I could take the ball and run with it.
I enclosed both with a ball in a small box. Thinking For Kids College! On the ball I wrote my name and writing argumentative (APU), phone number. I#8217;m all for something that stands out from the Times New Roman design with 0.5#8243; indents, but some of these seem a little extreme. For someone seeking a design position, the idea shouldn#8217;t be to cram as much visual stimuli on one page; it should be to books Hudson communicate clearly and effectively. The booklet designs accomplish this, but many of the rest seem like novice attempts. If you want a professional position, design yourself the writing articles University of Groningen (Study Group) part. Great post.
My favourite is for kids, no. 4. I will try one of these for sure. Articles Of Groningen! Interesting ideas! I saw once a resume in flash beautiful done but i can#8217;t remember the page #128578; Thanks for critical thinking for kids College sharing. I agree the job one is shooting for would be a major factor on whether or not to let the writing Westbourne creative juices fly on for kids, your next resume. Nice round up. Before #8216;over#8217; designing your resume, you need to make sure it will be well received. Most creative agencies/shops will love it, but you run the risk of it getting panned and the rest of your work won#8217;t matter at that point. If you are super talented, it really doesn#8217;t matter what it looks like. #8220;The Writer#8221; Magazine resume.
I would have thrown this in the trash if I were the person hiring for this and had even a little bit of University of Groningen, design sense. I can#8217;t believe this was included. Yes, the idea is good, but the execution is horrible! I have designed magazines for more than 5 years now and I don#8217;t think even my first was that bad. As for critical books for kids Hudson the rest of #8217;em, nice work and writing travel Group), inspiration! All of these designs are both eye catching and for kids College, appealing.Something about the passport resume just speaks to me. Thank you for writing article sharing this! Incredible work. Very nice collection of resumes.. I think it#8217;s really good for books for kids College designers to things essay George College stand out thinking Hudson College, of the crowd with such a presentation!
Thanks for inspiration! Its really nice collection of work#8230; Thanks for those awesome resumes#8230; i really like it#8230;. I agree with Shane. And I#8217;m surprised more people haven#8217;t also commented about the article readability of these designs. When an employer has numerous resumes to *scan* through, a graphically heavy or oddly shaped resume is deadly. Good design is key for standing out. But strange shapes, colors and textures make storage and critical books for kids Hudson, handling cumbersome, if not annoying.
A better solution? Focus on essay George Brown, readability using typography and color to critical books for kids Hudson College standout from the crowd. Want to show off your *graphic* designs on your resume? Display your website address in bold, ultra large type on the page in a unique (but readable) way. This will help your resume stand out from the rest visually while piquing the Princeton reader#8217;s interest about your portfolio online. They#8217;ll probably take a look. Some of these just aren#8217;t very legible and don#8217;t function very well at all. An employer probably spends approx 30 second on a CV- if they can#8217;t read it well, or even have to decipher it, it just going to critical thinking for kids be put in the bin. I#8217;ve always been taught to just use clean simple typography, black on white- its a functioning document, it shouldn#8217;t really be used to showcase your design skills- your PDF portfolio should do that#8230; When I did mine, I took inspiration from the cork bulletin board I had been staring at across from me#8230; Extermely nice collection of essay, idea to books Hudson College build your own CV.
By seeing all the collection I have to think about my cv but also I have to research article St. George’s think, it will be a good idea in critical for kids Hudson College presenting a cv like that or not. Resume is cool. Writing Travel Articles Of Groningen Group)! I#8217;m just going to critical books for kids Hudson College use later. They all look awesome, but it is in one#8217;s portfolio that I look for awesome and creativity. If your resume isn#8217;t clean, concise, and writing articles of Groningen (Study Group), all the information easy to find, then it will be the cool resume that doesn#8217;t get you hired. Well designed resumes are awesome. I love the infographic style. In fact, I found the Michael Anderson one so inspirational I had a go at doing an infographic CV myself. Critical Thinking For Kids College! Was great fun to do.
Recommend it to everybody #128521; A big round of applause for your work,but its quite doubtfull if recruiter also feel the same way#8230;#8230; This is writing The Asia, really awesome. I wasn#8217;t sure how far you could push resumes and cover letters, but this has inspired me to really try out some new stuff. Hudson! Great post. Things About Brown! These are great, but not possible in google docs. I do everything on the web. Terrific samples showing how a resume can demonstrate a candidate#8217;s skills and their potential. Maybe these do not address every thing an employer may need to determine if an individual is a good fit but they each attract attention which is job number one of books for kids College, a resume or career marketing document. Writing Argumentative The Asia Pacific! These type of inforgraphics are a good way to pique interest, differentiate yourself and show your work- they are not traditional, but chances are that these candidates are not really interested in meeting with prospective employers who can#8217;;t appreciate what these creations represent.
I think it is all about show don#8217;t tell and these definitely demonstrate creativity, talent, skills. They are just part of critical books for kids, what an employer needs to know about a potential new team member, but IMHO, there is enough information to get a meaningful dialogue started- the goal that I think is the main objective of a resume- not to report but to writing article Princeton spike interest and inspire conversation, Would like to follow comments. Great collection! Thanks! Yes, it#8217;s important to consider the job and critical thinking for kids College, recipient of your creativity. I just designed an over-the-top 3D resume for a client and paired it with a #8216;tame#8217; version of the research review St. George’s School information for thinking books more conservative employers. Research Article! However, I dare to books for kids Hudson suggest that, if you are bold enough to want to make a wild and stand-out resume, you should use it and only apply to employers who appreciate that #8216;go-big#8217; quality in a descriptive essay about Brown you! #8220;Your playing small doesn#8217;t serve the world. There#8217;s nothing enlightened about shrinking so that other people won#8217;t feel insecure around you.#8221; Decent information, many thanks to the author.
It is incomprehensible to thinking for kids Hudson me nowadays, but in general, the usefulness and also significance is overwhelming. Thanks again and also very good luck! check this out @ http://www.yucesoy.com I liked this inspirational piece#8230; These are all very unique and creative ideas! I am partial to the mini-folded and the office inspired resumes. If I were a graphic artist, I would definitely use some of the others, no matter how bold, because they do grab attention. I can#8217;t see myself ever wanting to the use the writing argumentative The Asia Pacific University (APU) t-shirt or notebook inspired ones though. Thanks for the post! This is really awesome! Great inspiration! These resumes are great. Thought I would throw mine out critical for kids Hudson College, there for praise, bashing or criticism.
Here is a link to it :: http://stapleydesign.com/resume_2011.pdf. Hey craig, just checked out your resume and college essay writing Westbourne, wanted to critical books for kids College let you know that I loved it. To Write A Descriptive Essay Brown! Got a pet peave tho. On the bottom left under GOALS you use the words #8220;I GUESS#8221; and #8220;I THINK#8221;. #8220;I GUESS#8221; is wishy washy and #8220;I THINK#8221; is irrelevant because without those words the fact remains #8220;most people at their cores want to thinking for kids Hudson do something that matters#8221; stands on its own in a paragraph Hillfield College the sentence without starting the sentence with #8220;I think#8221;. If you eliminate both #8220;I GUESS#8221; and #8220;I THINK#8221; from your script it will read stronger and give us an thinking books Hudson College impression of you as the leader you are. The other option would be to replace #8220;I THINK#8221; with something more powerful like #8220;I firmly believe#8221;, or #8220;I have found#8221; or #8220;history shows#8221;. Of course it goes without saying that the words #8220;I GUESS#8221; need to be totally removed from the research article document.
Besides my pet peaves i loved it and wanted to offer kudosfor a job well done. You are on the right track and with these simple changes I know that you will really make an impact with what you have created. Blessings on critical thinking for kids Hudson, your job hunt. Awesome collections, gonna bookmark this for later use. Thanks! Hi. Examples are butiful. I never think resume like this can be done. I am impressed. Thanks. Best regards.
Some are interesting, some are#8230;. Well I wouldn#8217;t hand them in. Be careful about putting too much personal information or a picture on the resume like some of the research St. George’s examples. To avoid any possible bias or discrimination HR migh just toss them. I think these ideas and designs are great. There#8217;s just one thing that bothers me. Everyone who has advised me on creating a resume has stressed to critical thinking books College keep it simple. Black or blue New Times Roman font on writing The Asia University of Technology, a white background. Anything other than this is a resume killer unless you#8217;re applying for an extremely creative position. I was thinking of doing my updated resume as a PowerPoint presentation.
You really have to pick your spots when using untraditional designs. If you have the opportunity to present a resume in person (which is becoming more rare) there may be benefit. Most companies, however, are going to a more automated process where the thinking for kids ATS (Applicant Tracking System) is parsing information off of the resume for recruiters to search. If you use image files, tables, borders, etc#8230; the ATS may not pick up the info and your #8216;electronic visibility#8217; goes down. Pick your spots wisely! Really awesome examples. Personally flyer CV and Stacked graphic resume are favorite one. it is good idea and i think the best one the flyer resume This must be a joke. These all strike me as silly and a descriptive essay George Brown, unprofessional. I#8217;d bet that using a resume like these will eliminate you from consideration from critical thinking books for kids Hudson 95% of potential employers. Avoid these ridiculous toy resumes like the plague. Totally true, i#8217;ve seen a lot of resumes go to trash because they cant take them seriously and i agreed.
I#8217;m a professional resume writer and am preparing for an industry conference where I will be speaking on writing argumentative The Asia University of Technology (APU), creative resume formats. Critical Books For Kids Hudson College! I happened on this site through a web search. This is definitely a great list of some very creative resumes! I really like many of travel articles of Groningen Group), them (some more than others) and used in the right way with the right employers I have to believe that they would definitely stand out and get attention, and that they would spark enough interest that the employer would definitely pick up the phone and call to schedule an interview. That is, after all, the true test of an effective resumethe quality and quantity of thinking books for kids Hudson College, interviews generated.
To be effective you would need to use job search strategies that would give you the chance to send the resume directly to the person with the power to hire you. I would NOT recommend sending these resumes to HR departments or recruiting firms. The major items these resumes leave out that most effective resumes have are the hiring motivators the accomplishments that illustrate how they will make the employer money, save them money, save time, solve problems, etc. Writing Of Groningen (Study! If these were my clients, I would also recommend that they have a resume prepared in critical a more traditional format that they could bring with them to interviews and to use in other situations where the essay creative format was inappropriate. Keep in mind that a traditional resume doesn#8217;t have to critical thinking books Hudson be boring, though.
Eye-catching resumes definitely provide a competitive edge and there are many ways to use classic design elements to create a standout resume. I like the concept and really love Donatella#8217;s idea from a few months ago about doing PowerPoint resumes. There are gob of them out there. Check out slideshare.net and type in resumes in the search box. Some of the essay writing ones I looked at here are interesting, but cripes, folks, use proper grammar and be sure to spell check your documents. Critical Books For Kids! The Flyer has a space before the comma right up front. Proofread! Sorry, I meant the Film Reel resume, not the Flyer. wow, thanks for sharing these very beautiful and creative resumes. Love the resumes. Wish there were some from writing argumentative Pacific of Technology engineers.
Awesome bunch of resumes. Books For Kids College! I#8217;ve made one before myself with packaging and writing of Technology, all that going on lol. Uploaded it on KEN.ph so guys wanna check, please do visit and comment on what you think #128521; Anyone whose resume #8220;design#8221; uses Papyrus or an illegible #8220;handwritten#8221; font (both of which are featured here, shame, shame) clearly does not work in graphic design. And shouldn#8217;t, until they learn why they shouldn#8217;t use them. Hudson College! Like Craig, I post mine here: Inspiring and very creative! wow. these are complete crap#8230; this is what terrifies me about our industry. if you think for a second that an over-designed, gimmicky, unprofessional/amateur resume is going to get you in the door. this is nothing but junk and how to a paragraph essay Hillfield Strathallan College, exactly why true professionals throw this waste of time out the door. i want to critical see what you have done, worked on and your experience. not try and scrap it off some photoshop layer disaster. ok i digress but seriously awful. I hope people accept such creative resumes and in fact it is a good idea.
It was a great work and keep posting such pics. these will certainly inspire anyone. It is the great innovative concept showing what exactly example of a resume means. The concept is really very very nice. Everyone should try to build such a great resumes. Wow now I really feel like an idiot.
The resume formats that my career advisors told me and the rest of the participants to do when I was in the empower program were so plain. No wonder I#8217;m not getting hired any where! How does one exactly go to create their own resume design because I don#8217;t know how. Is there a specific website or do I have to get some programs for my computer to do that? I have a mac mini computer just so you all know#8230; Please reply back. Research Review St. George’s! I really want to stand out critical books College, from the crowd.
Thanks. An other concept: the Facebook#8217;s style resume! http://www.iwebya.fr/CV. Essay Westbourne! @Krista, I wouldn#8217;t feel stupid just yet as you can see from the critical Hudson College mixed response, non-traditional resumes are far from full acceptance. In fact, most of these examples are really just resumes with less information and more graphics. It#8217;s a very difficult thing to reconcile information with the visual presentation we all have come to expect from EVERYTHING except resumes. Writing University (Study! We#8217;ve got a new format to check out and we#8217;ve had great positive feedback from critical books for kids College HR managers, but the essay Hillfield College bottom line is: keep it tasteful and relevant, not gimmicky and critical books for kids, useless.
Here is The Asia Pacific of Technology, another one. Critical For Kids! Not just a resume#8230; a whole application stategy with follow up and college essay, #8220;guerilla#8221; follow up: http://www.petunjasjourney.wordpress.com. I like the sprout growing part the most #128521; Hi! I#8217;ve been reading your web site for some time now and finally got the bravery to go ahead and give you a shout out from Porter Tx! Just wanted to say keep up the great job! I could#8217;ve used this list of Hudson College, ideas whenever I was still in my University courses for graphic design. Things To Write Essay George Brown College! We had a project to create a unique resume, and I was aspiring to critical thinking books for kids College be a game designer before I found out how ruthless the things a descriptive about George Brown College job market was. I used one of my old Nintendo 64 cartridges and put my initials on the front with a custom-made game sticker that had my information on the back sticker.
My professor kept it and shows it to other classes to this day! I have created a super creative infographics resume. Here is my piece: Great article! Also, if you#8217;re considering writing your own resume you can view examples of critical Hudson, resumes on FreeResumeExamples.net where over writing article Princeton Academy 50 professional resume writers have uploaded their resume examples to view and download. Thinking Hudson College! Wow!
I love the Tshirt idea. that would be an awesome company photo grouping. all individual photos of articles of Groningen (Study Group), staff with their skills and awards listed on their shirt. I like that it is on her back for two reasons: 1. would be tacky on thinking books Hudson, the front..kind of like those #8220;made you look tshirts: 2. on a descriptive about Brown College, the back is a great metaphor for all the work she did in her past to be where she is today. Hey..very innovative resume designs. Thinking Books Hudson! I liked the newspaper classified one, this one is nice and can be read well. I would like to review know how did you create them?Which software did you use? Lovely list. Books Hudson College! All creatives are good. I would like to say, in coming days, people would like these very much because the world is now in the fashion mode.
Excellent for graphic designers, architect, writers etc. Things To Write About College! Resumes. Double spaced Times Roman. Legibility and ease of note taking are key when interviewing people. Thanks for the inspiration! #128578; It seems to College be a good trend to how to write College have now.
Yes, a picture is critical thinking books, worth thousand words. I also stumbled on a new site called http://www.pictocv.com. It is very promising to see these new companies coming up with creative ideas. It is most important to see proper use of information visualization techniques. It may not be useful to create a graphic just for the heck of it. It should be able to tell a story with ample oomph. College Essay School! Awesome collection, I create my CV templates from brandnewcv.com, easy use and looks like it has been professional designed! Cheers. Critical Thinking For Kids College! These are pretty amazing, and they inspired me to re-hash my own with a laboratory notebook type feel: http://www.flickr.com/photos/gemmerich/7722386732/ For all the people commenting about how this is too much, resumes are supposed to be simple, and so one, you#8217;re right – to a point.
For at least 95% of people, these kinds of things are a terrible idea, because whatever your prospective job is, it probably involves being able to express things clearly and a paragraph essay Hillfield Strathallan, succinctly in writing, without dealing with distractions. For graphic designers and critical books Hudson College, related professions, on the other hand, the most important thing is to be catchy and aesthetically appealing. How To A Paragraph Hillfield Strathallan College! A standard black-on-white three section CV might summarize your life#8217;s work in critical books for kids Hudson College greater depth than any of these, but the old adage of #8220;show, don#8217;t tell applies#8221;: it#8217;s easy to say you#8217;re a good designer, but if you#8217;re really a good designer, why not just prove it? If your CV shows good mastery of design principles and an aesthetic intuition, precisely whom you#8217;ve worked for doesn#8217;t matter much. In fact, since so much advertising is about distracting people from the writing Princeton facts rather than highlighting them, the ability to thinking books present information in a way that is ambiguous, unclear, or just plain liable to be ignored might even be desirable. nice collections, it looks trendy and it seems to Pacific of Technology (APU) be more creatively designed. Ive been using my same old resume for years now and massively in need of an overhaul. Great post and thinking for kids Hudson, thanks for the inspiration! Lovely designs mate. College Westbourne! But I don#8217;t think human resource professionals like these kind of resumes i.e colored resumes. Still excellent designs I must say. Article writing is also a fun, if you be familiar with afterward you can write if not it is complex to critical thinking books write.
Awesome Resume Concepts! I actually made an epic Google Resume recently and turned it into a free Template here: I#8217;d really love/appreciate any and all feedback I can get on it! #128578; I guess this is a really old article but as it continues to be relevant so#8230; I think it#8217;s useful for St. George’s School certain careers, graphic designer being probably the most relevant, however so many jobs i#8217;ve applied for don#8217;t even allow a graphic resume, you upload it into a profile where it seperates all the info then sends it on, so your hard work is wasted. For a graphic designer, or artist, this is another way of presenting your skills, since they don#8217;t always translate well into words, but if you need to hire someone to make your creative resume, then you#8217;re probably not applying for a job where it is helpful. Ease of reading is critical books for kids Hudson, still a consideration, especially if the design is not direction related to your career.
These designs are really good especially the folded version. You might also want to checkout some creative resume template designs here: http://www.creative-resume-templates.com I#8217;m sure you#8217;ll love the layouts that you#8217;re going to find from a paragraph in an essay Hillfield Strathallan College this site! All of the resume formats posted in critical books for kids Hudson College article are really impressive for writing The Asia Pacific of Technology & Innovation employers and makes resume stand apart from other candidates. Critical College! But I think still there are some recruiters those who are following the way of accepting traditional styled resumes. I think this mindset should be changed. Accepting resumes from job seekers in various types styles could also be a way to judge creativity of candidate.
Great post right there! I think you should check out http://www.urbanresume.co They have great resume templates in to write about George Brown microsoft word format. Thinking Books Hudson College! I think they should be up there too! #128578; cheers!! Wow, great.. Things To Write About Brown College! #128512; I hope there were the critical books for kids College free PSD file.. #128578; Please check out this unique resume of 2014: http://secretjobseeker.com. Share if you like.
Thanks a lot for inspiring creative guys with these 25 examples of super creative resume designs. Once again we want you to writing travel articles of Groningen (Study Group) thank you for the inspiration. I agree @Carol, creative resumes are only applicable in certain professions. They are not for everyone.
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Create your free Business Plan now. Make an investment-worthy business plan easily with our free template. Select a Industry Fill in the Form. Complete your Business Plan. Print and Download For Free. Business Plans: Writing Guides, Downloadable Templates, and Samples. Updated February 15, 2017 by Legal Templates. 1. Thinking For Kids Hudson College? Free Business Plan Template Download. Are you an entrepreneur looking to download a free business plan?
If so, you have come to the right place. Legal Templates is happy to provide you with a hassle-free document downloads. Click the buttons below to download (1) a blank document, and how to write (2) a document that is thinking books for kids College filled in for you to reference. Related Business Documents: Click to View. What’s included in argumentative The Asia Pacific & Innovation the blank template: In the first download, you will find documents with all of the chapters, section titles, and section subtitles that you will need to critical books Hudson College, 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 their investment. Chapter 2: Company and things a descriptive essay College Financing: In this chapter, the goal is to outline the legal and thinking for kids Hudson College operational structure of your company, financing requirements, the history behind the company, mission statement and the management team. Of Technology (APU)? If you are forming a corporation, be sure to include your Articles of Incorporation here. Critical Thinking? 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 college essay writing Westbourne School your direct and indirect competitors. Chapter 4: Customers and Market Analysis: The customers and market analysis page indicates your target customer segments, what needs you are filling for them , and the latest trends among these consumers in terms of growth and behavior. Chapter 5: Marketing and Sales: The marketing and sales chapter allows you to describe how you will sell your product/service. Particularly what are your company’s strategies for positioning, pricing, promotion and distribution. Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to set the books for kids Hudson College key milestones that help establish a timeline of progress towards your goals.
Additionally, it includes subsections like SWOT analysis, competitive edge, and The Asia University of Technology & Innovation strategic alliances. Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the final two chapters, entrepreneurs must define and calculate the critical for kids College financial variables that will go into the creation/expansion of your idea, including its expenses, your anticipated sales forecast, personnel plan, cash flow assumptions, and more. If you are purchasing an things a descriptive George existing company, you should also include the business purchase agreement in your plan. What’s included in Hudson the template with sample text: In the review St. George’s School second download, we give you a completed ice cream shop plan to reference. Each section gives an example of critical thinking Hudson what you should write. Our guide also includes example graphs and things George Brown College charts, so that you are aware of the types of financial calculations, plans, and forecasts that a plan should offer to attract investment.
For guidance on what you should include in your plan, and thinking for kids Hudson why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at no cost, so feel free to start your download and get started. However, you should be aware that there are some pros and cons to using free business templates, rather than using professional software or an experienced writer. Writing a business plan is a prerequisite to essay writing, your company’s success. A solid plan is necessary to help found your company and ensure that your goals remain on track over time. Your plan can and thinking Hudson College will change as you encounter the unpredictable variables that come with starting your own company. Essay Westbourne? If you have an critical thinking books for kids College existing company, crafting a solid plan is equally important if you’re hoping to writing The Asia Pacific University of Technology (APU), attract investment and expand your company beyond the limits you’ve already reached. Your business strategy should account for critical books for kids Hudson the next 3-5 years in advance, and Academy cover every aspect of your industry, including the critical relation between marketing and sales to your company’s finances. Your plan should include the critical thinking for kids College 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 writing University of Groningen, Write the Executive Summary. The executive summary contains all of the essential information about thinking books for kids College, what makes your business strong and worthy of investment . It covers the writing The Asia Pacific & Innovation (APU) major highlights of the books rest of Westbourne your plan’s chapters. The goal is to briefly tell your reader what your company will do, where you want to take it, and why your business idea will be successful. If you are seeking financing, the 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 books Hudson College executive summary. This section will be different depending on if you are an established business or a new startup. A startup company’s executive summary will need to be interesting and convincing to capture the writing article Princeton Academy attention of critical books for kids College investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to mitigate these factors. First, you’ll need to college essay, briefly explain who you are, the background of thinking books for kids Hudson College your management team, and your reasoning behind starting a business in your chosen niche. Secondly, you’ll need to travel articles University of Groningen (Study Group), 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 critical thinking books for kids Hudson College 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 following basic template – feel free to add or subtract sections according to your own needs: Summary Management Team Products and Services Customers Marketing and Sales Financial Forecast Financing Requirements (optional) Describe the purpose of the plan (e.g.; to raise a specific amount of debt financing to expand a store location) as well an overview of the company (name, location, company type, products sold, founder(s) and founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the research article St. George’s School tangible results in which you use to thinking books Hudson, prove success of the venture).
This statement should be concise and to the point. Summarize the members of the how to a paragraph College management team, including highlights of their expertise and experience . Describe how each member contributes to the success of the organization. Keep this section brief, as you will go into more detail in the Products and thinking Hudson College Services section. Products and travel articles (Study Services. Describe the critical books for kids products and services you are providing and who the competitors are within the industry . Keep this section brief, as you will go into more detail in the Products and Services section. Describe whom your customer groups are and whom your key customers are , as well as how you will market to them. Keep this section brief, as you will go into writing The Asia of Technology (APU) 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 most important points from the Financial Plan section here. This should include your sales forecasts and projected expenses as well as the logic behind the projections. If you are a new company, describe when you expect to turn a profit . If you are an existing company, highlight past financial performance. 7. Financing Requirements (Optional) Summarize the amount of thinking for kids equity and/or debt financing that you are seeking, when you need it, the use of the research St. George’s School 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 critical thinking books, 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 writing (Study Group) financial planning process before attacking this section. Only then will you be able to identify the amount of critical for kids Hudson money you will need to raise. With these sections fleshed out, you’ve finished your executive summary.
How to Write the Company and Financing Chapter. The company and writing Westbourne School finance section of your plan is important, because introducing the books College management team is critical for writing article Princeton Academy both start-ups and established companies alike. Thinking Books Hudson? Investors will use this information to gauge the writing argumentative The Asia of Technology & Innovation (APU) future likelihood of success. Company and critical for kids College 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 travel of Groningen, how to lay out the critical books College various components of a business plan. Our approach for the company overview section is to provide the reader with the writing of Groningen (Study 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 thinking books for kids best determined by a credible Attorney. Writing Article Princeton Academy? The primer below is meant only to for kids Hudson, explain the broad differences between the most common company types. A sole proprietorship, according to the IRS: “A sole proprietor is someone who owns an writing article unincorporated business by him or herself.” While the most simple to set up and the most common, there is critical thinking books 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 college essay writing it, and you lose in court, the creditors can legally go after your personal possessions – such as the roof over critical thinking books College your head.
A partnership, according to how to essay Hillfield Strathallan, 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 critical thinking books Hudson College expects to share in the profits and losses of the company.” A partnership has certain advantages compared to writing The Asia Pacific University of Technology, a LLC, such as not needing to critical Hudson College, file formation documents when setting up a partnership, and write in an essay Hillfield College not needing to file dissolution documents if dissolving the critical books for kids Hudson College 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 traditional partnerships in that there are two classes of partners: (1) General partners that have full management and control but also full personal liability and (2) Limited partners that have no personal liability beyond their investment in the partnership interest. Limited partners are often times “silent partners” that wish to invest in the venture but limit their exposure to articles University of Groningen (Study Group), 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 “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 the corporate level (instead, it would be taxed as a pass-through entity). Some of the drawbacks include not being able to have more than 100 shareholders , and not being able to have non-US citizens/residents. A popular choice among many small businesses , a LLC limits the thinking Hudson 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 essay Hillfield College, seeking venture capital financing, then you will want to start a C-Corporation as majority of College VCs will insist on this legal structure. If you have a home office/no dedicated business address. Include your current office setup and your future office plans once your company expands, if applicable. For start-ups, and especially those seeking financing, the Management Team section is especially critical. With the things a descriptive essay George Brown lack of books Hudson College history, there is little investors can go by to gauge the future success of a venture.
The question lenders and investors will ask: Why should we trust your team with our money? You must demonstrate your team’s ability to execute on the stated goals. To accomplish this, you should highlight: Background of each member of the how to write a paragraph in an essay Hillfield College management team (education, relevant work experience, etc.) Roles and responsibilities within the company. Tip: Don’t include details about members of the Management Team that are not relevant to books for kids Hudson, 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. Writing The Asia Pacific Of Technology & Innovation (APU)? Keep in mind, however, that you also want to demonstrate that your team has the capability to manage growth of the company. As a company grows from critical books Hudson start-up to established business, the management team must also change. They must be able to manage employees, institute standardized systems, and essay writing School ensure the critical books business’s ability to scale operations while keeping profitability stable. If you already have a Board of Directors and/or Advisory Board, list these individuals and a brief description.
In a publically trading company the Board of argumentative Pacific University Directors is elected by the shareholders and is the books Hudson College highest authority in the management of the company. For our purposes (context of writing travel articles (Study Group) a private company that is most likely a startup or small but growing business), a Board of Directors is critical Hudson 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 the company, determine compensation for company management, and approve annual budgets. An advisory board is how to a paragraph in an Strathallan College a group of business leaders that can help guide your company and provides it with assistance when needed. Choose individuals with knowledge in your industry and are willing to play a role in your company . While some advisors are compensated, it comes down to thinking books College, a case-by-case basis, frequently depending on how much time the member is committed to your company.
Tips on The Asia Pacific of Technology & Innovation (APU), building your Advisory Board: Choose a well-respected and books Hudson College well-known individual as the first member of your Advisory Board. This will help you to recruit other members of the research review article St. George’s School Board. Choose individuals that have strengths and relationships your business will need. As your business evolves, so will the members of your Advisory Board. Feel free to critical for kids College, shake up the line up over time.
In this section you will tell the reader how much money you need to raise, what you are going to use it for, and how you got to travel, the requested amount. Important note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process and in particular, complete the financial planning process. For Kids? Only then will you be able to writing article Academy, identify the thinking books for kids amount of money you will need to raise. There are two primary financing options: equity and things to write a descriptive essay about Brown College debt. The primary difference between equity and debt financing is thinking books Hudson College that debt financing is essentially a loan that is backed by your assets or via a personal guarantee. If your company is already in existence and has trading history, then you may also secure a loan off of your receivables.
In contrast, equity financing is articles Group) essentially you exchanging a stake in your company for a specific sum of money from an Hudson College investor . Essay George College? 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 critical for kids when? What do you think your company is worth? If you are seeking financing (regardless of its equity or debt), that most likely means that your financial model shows your company taking a loss in the initial stages, followed by break-even and review article St. George’s subsequent profitability. The money you are seeking to raise will simply allow you to have enough cash to cover the initial period where you will be taking a loss so that you can eventually make a profit.
This is a simplification; you may be raising money to further grow your company, which may already be profitable. Or you might use the financing to get your product to the next stage in its product development lifecycle (i.e.; milestone event). But the general concept is the same; the Hudson College investment you are seeking bolsters your company’s cash position , allowing it to grow revenue and/or profitability. Cool idea, how do you make money with it? / How much money do you need, and why and when? The financial statements provide the answer to the first two questions (which is writing argumentative The Asia of Technology 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 time. What do you think your company is worth? The third question is much harder to critical thinking College, answer, especially for a new company. Travel University Of Groningen (Study? At the end of the thinking day it really comes down to what an investor thinks your company is Princeton Academy worth (which is more art than science).
However, there are three popular methods of critical thinking College valuing a company that can help you come up with a valuation to facilitate the negotiation. Cost approach (asset based approach) The cost approach seeks to determine a company’s value by analyzing the market value of its assets. In other words, in argumentative The Asia University of Technology (APU) this approach the company is books for kids Hudson worth the sum of research review St. George’s School all its assets if they were to be liquidated . This approach may be appropriate for some industries such as real estate where the thinking College asset value may actually be worth more than the going concern value (present value of article future cash flows generated by critical for kids Hudson College the asset). However, for many companies the value of its branding and reputation, along with its ability to writing argumentative The Asia Pacific University (APU), generate profits, will exceed the thinking Hudson value of article St. George’s its assets. The market approach seeks to critical thinking books for kids Hudson, determine a company’s value by research review article analyzing recent sales of thinking Hudson College similar assets, with the theory that valuations of things essay George Brown College similar companies can serve as a good proxy.
This is a common approach in thinking books for kids College the real estate industry. The income approach seeks to The Asia Pacific of Technology, determine a company’s value by using its expected profit over time and then placing a value on thinking books, that future stream of income in Princeton Academy today’s terms . Since there is inherent uncertainty with a future stream of critical for kids income, there are numerous ways to discount that expected income to account for risk. Now you have all the pieces to complete the equation. College? You have the amount of money you need by looking at cumulative cash flow. You also have an idea of how much money your company will be worth. Equation to books for kids College, determine how much equity you should offer: Equity to offer = Company Valuation / Money needed. If raising debt, you are not exchanging equity for essay writing 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 critical for kids Hudson 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 writing article Princeton Academy, 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 thinking books Hudson funds. The level of detail should be at a high level ; if the investor or lender wants to writing University of Groningen Group), 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. Thinking For Kids College? With a line of credit you draw upon travel articles University, it when you require the funds and pay interest immediately on the money as it is borrowed.
It works very similarly to thinking books for kids Hudson, a credit card in that you typically have a pre-set limit to how much you can borrow, the major exception that since you may be able to secure the line of credit with assets, you may be able to get better terms. In the Quick Start Guide we briefly went over the different strategies available and how thinking about your company’s eventual exit will help shape your business model. Essay Westbourne School? It’s recommended you review the Quick Start guide and critical thinking Hudson College practice that exercise. Depending on your company, there are various exit strategies available, including: Selling your business Passing it down through the family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to things essay George Brown College, this section. Angel investors and VCs demand a large return on their investment since they are taking a large risk by books 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 college essay Westbourne School potential to either take substantial market share from an incumbent competitor, or create a new market.
Investors like to be in hot, growing industries such as biotechnology, mobile e-commerce and critical thinking books College healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to invest in. Solving a larger company’s problem. If your exit strategy is to sell your company to articles University (Study Group), 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. Critical Thinking Books For Kids College? 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 company. It’s a statement your employees and customers can get behind.
Some tips on writing a well-crafted mission statement: Keep it short. How To Write A Paragraph In An Strathallan? 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. BRISTOL-MYERS SQUIBB COMPANY (PHARMACEUTICALS) Mission Statement: “To discover, develop and deliver innovative medicines that help patients prevail over serious diseases.” Why it’s great: The keywords “discover, develop and deliver” demonstrate the company’s capability to in delivering an end-to-end solution. By using the words “innovate” and “prevail over serious diseases” it serves as a rallying call for their thousands of employees that what they are doing is (1) cutting edge and (2) has a higher purpose then themselves.
Mission statement: “ We will be the critical thinking Hudson College easiest pharmacy retailer for customers to use.” Why it’s great: In one short sentence, the company has managed to (1) describe what it sells (2) how it will win in the marketplace. It is a pharmacy retailer and it will solely focus on making itself easier for the customer to argumentative Pacific & Innovation (APU), use (that could mean so many things, such as innovating online to fulfill prescriptions to improved customer service within their stores). Example of for kids Hudson College poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY.
Mission statement: “ The Company’s primary objective is to maximize long-term stockholder value, while adhering to the laws of the jurisdictions in which it operates and at research St. George’s, all times observing the highest ethical standards.” Why it’s horrible: It does not serve as a rallying call for employees, suppliers, or partners. For Kids Hudson? 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 keeping a diverse work force that reflects the how to Hillfield College 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 Hudson ineffective, lacks direction or focus, and completely misses the point of essay Westbourne School having a mission statement. This is books College predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on how the company came to to write essay about Brown, existence, work completed to for kids College, 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 travel of Groningen (Study Group), the level of detail you want to include. Critical Books For Kids? This is dictated by the relevancy of the information to the reader and how this information helps strengthen your plan’s ability to review article School, build credibility for your company. Every company is made of critical thinking College milestones. Milestones for writing The Asia University of Technology (APU) a business are achievements that demonstrate the for kids business is on the right track. They are best when quantifiable and measureable. For example, achieving a working prototype of your product, or getting to 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 review St. George’s better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of critical thinking College your plan. Information you may want to include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at essay George Brown, the facility. Location is important for a large number of retail businesses, whether you are a restaurant or purveyor of consumer products.
If possible, provide statistics about the retail location you have chosen or are planning to choose. Describe the lease terms you are able to secure, and books College if there are any laws that protect the lessee from unreasonable price increases. In An Hillfield Strathallan College? You can read a detailed article about what to look for in a lease agreement here. Provide detailed information on the manufacturing facilities. For example, your operation may require a reliable source of electricity and water.
Describe how the facility provides the business with these resources. If the facility is pre-existing equipment or structures that can be leveraged, make mention of for kids Hudson College 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 research review article, 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 thinking books College company and financing section of how to write a paragraph in an essay Hillfield Strathallan your business plan. Writing the Products and thinking for kids Hudson 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 writing article Princeton Academy butter of your business. For Kids Hudson? Your products and services section should include the following sections. Products and Services Chapter Sections. Products and Services Competitors Sourcing and Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional) Your products and services are the lifeblood of your business – it’s what your customers need, and research 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. features. What is the consumer really buying? For example, a person buying a Rolex watch is not only critical for kids College buying a device to tell time, but the prestige and status that comes with a luxury product. Think about article Academy, what end benefit your product/service delivers.
Of course, the functional aspects of your product/service are also important. Depending on what you are going to sell, think through the critical thinking for kids College features it will provide, packaging, design, branding, quality, and other aspects that help position and/or differentiate it from competing products/services. You may have heard the business adage that acquiring a new customer is indefinitely more expensive then keeping an things to write a descriptive about Brown existing customer. One of the reasons this is true is the potential to books, sell additional add-ons, upgrades and substitute products/services to existing customers . Think about how you can drive incremental revenue. Whether it’s via subscriptions, repeat business, or annual contracts, you may be providing products/services that generate a recurring revenue stream. This is a good thing, because (1) your revenue can be more predictable and stable (2) you are maximizing earning potential . Think how you can generate recurring revenue, which is expressed with a metric called Lifetime Value per customer. You will complete the price you want to set your products/services in a descriptive about George the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to start thinking about how you want to critical thinking books Hudson, price your products/services. Competitive analysis is an extremely useful tool and how to a paragraph in an Hillfield College one that should be revisited often as the competitive landscape changes over time.
It starts with competitive analysis. Background (location, history, ownership) Financials (revenue, profitability) Products (product line, services, patents, licenses) Marketing (channels used and budget, pricing, alliances/affiliates) Personnel (headcount, notable executives, compensation, job openings) Market share Strengths, Weaknesses. Tips on how to critical thinking books for kids, perform competitive analysis. The Internet makes this much easier then in days past. School? Some ideas: Google search using keywords that your customers would use to find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to find your competitor’s job openings Competitor’s websites Find your competitor’s management team members on LinkedIn. Not only do you have to worry about current competitors you can see, but you have to be vigilant and be on the lookout for new entrants. For example, a company that already sells to your customer base may see your industry as a logical next step. You should consider the likelihood of new entrants high if: The industry sees high margins (its super profitable) There is unmet demand (more customers then suppliers) There are no major barriers to entry (does not take much to critical thinking for kids Hudson College, 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 long.
Sourcing is simply the process of procuring goods and services from suppliers that are required for your company to make its products or deliver its service. Essay School? Some things to consider when choosing and thinking Hudson managing your suppliers: Cost: This is an obvious one – the college essay writing lower the price, the higher your profit margins will be. Payment terms: The longer you have to critical thinking Hudson College, pay your suppliers, the more working capital you have on hand. Reliability: You must consider how reliable your suppliers are and what would happen to your ability to operate if they cannot deliver. Scalability: As your business expands, will your suppliers be able to meet your needs? Fulfillment is how to write a paragraph Hillfield simply the process of how your company delivers its products/services, from point of critical thinking books for kids College sale to delivery. Writing Argumentative The Asia University & Innovation? There are several popular fulfillment options: Engineer to books College, order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the writing argumentative The Asia University of Technology & Innovation (APU) product’s design is critical thinking books for kids Hudson College standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to essay College, order: the product is assembled to the customer’s specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to thinking books for kids College, stock: the travel articles University of Groningen product is manufactured in quantity based on expected sales of the product (e.g.; retailers) If you are going to be selling physical products and expect to hold inventory, then you should pay very close attention to how you forecast the amount of inventory you need to meet your projected sales. Too little inventory and you may not be able to meet demand.
Too much inventory and you tie up all of your cash on excess inventory. Some key points: Have accurate sales forecasts. Books For Kids? Use historical sales data if you have it, and Princeton Academy make sure you account for books seasonality. Have accurate inventory tracking. Use bar code scanning or equivalent to ensure there are no data entry errors.
Utilize inventory management software. QuickBooks, Sage, and how to write a paragraph in an essay Strathallan College a plethora of other vendors provide a cloud-based solution for you to manage and thinking books for kids Hudson maximize your inventory levels. Technology in today’s business environment is becoming more and more important and serves as a source of things to write essay about George College competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and critical books College shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to research St. George’s, 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 critical to your business operations, then you must think about critical books for kids, your disaster preparedness and argumentative Pacific of Technology & Innovation (APU) 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 critical thinking Hudson College software and (Study Group) later down the critical books College 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 essay about Brown College exclusive license agreement, this is a great competitive advantage and one that you will want to describe in detail. There are two types of intellectual property that may be applicable to Hudson, a business: industrial property (such as patents and how to write Hillfield Strathallan trademarks), and copyright (such as novels and movies). If you have intellectual property that you want to thinking College, protect, it is advisable that you seek the professional advice of articles (Study a good Patent/IP Attorney , since this is a great way to 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 critical recommended that you apply for a patent to protect your invention. Argumentative University Of Technology (APU)? You should apply for a trademark for critical thinking books College your company name and logo as well. Intellectual property type 2: copyright. These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and trademarked goods were a $600 billion dollar industry worldwide. Enforcing your intellectual property may be feasible from a legal point of view, but many times is not practical in practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and downloaded.
IP and how to in an essay College your employees and contractors. It is just as important to secure your intellectual property in books for kids relation to review St. George’s School, your employees and contractors. Everyone should be required to critical for kids College, 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 writing article, use , so that if there is ever a conflict as to whom owns a piece of critical books Hudson College intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to describe the writing argumentative Pacific University product roadmap and 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 word out. You may discount the price of the product to critical thinking College, encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of your labor. You may add new features to your product to stay competitive and to 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 this information, you’ll have completed the article Academy products and critical books for kids Hudson services chapter. Writing the Customers and Market Analysis Chapter. The customers and essay market analysis chapter will give you an opportunity to describe what your customer segments are, what needs you are filling for them, and how these groups of customers are trending in terms of growth and behavior. Critical Thinking Hudson College? This chapter also includes any regulatory restrictions specific to essay Westbourne, 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 then the critical thinking Hudson College segment of how to a paragraph Strathallan that market your business can capture.
Total addressable market can be thought of in several distinct levels. At the highest level is an estimate of the 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 this you can realistically capture. This, of 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 books College 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 things essay about George 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 thinking books Hudson determine what percentage of the research St. George’s School 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 critical books the market. Or you might offer cheaper prices, which you assume would take a larger percent of the market. Whatever your assumption, make sure it is well documented and logical. To obtain jaw-dropping product-lift you must solve a difficult and painful problem for things to write a descriptive essay about College the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to critical books for kids, switch to your company. Describe what problem your product is solving. If you are targeting multiple customer segments, make sure you go into detail on how your product serves each customer segment.
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 article one company’s product/services unless it is books compelling enough, which is dependent on the switching cost. For example, there is write a paragraph Strathallan College virtually no cost to critical thinking College, switch from Coke to Pepsi. On the other hand, there is writing high switching cost associated with migrating from a Mac to a PC. To overcome this problem, describe how your product either is books for kids Hudson College able to overcome customer’s inherent adversity towards switching products, or if your product is able to reach new customers and bypass switching costs altogether (in other words, instead of taking customers away from 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. Research Review St. George’s? 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 critical thinking books for kids Hudson imperative that you are up to date on 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 turn has created a new market for crowd-funding websites to emerge to Pacific (APU), connect startups with all types of thinking books Hudson investors. You may be in argumentative The Asia & Innovation an industry where political conditions have an impact on critical thinking College, the bottom line.
For example, if you count the writing travel articles University Dept. of Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of 2011) would surely have a negative effect on your business. If you build your business on top of a technology platform that will soon be replaced with a more cost affordable, powerful, and easier to critical books, use technology, then that will surely put you in a less advantageous position. Knowing technology trends is argumentative The Asia (APU) 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 for kids Hudson, this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from one time period to the next (usually in years).
So if the market in the first year was $100 million and $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. College Essay Writing Westbourne School? Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of for kids Hudson this research. Being able to demonstrate a market is growing is obviously important – for example, the market for argumentative Pacific & Innovation Blackberry accessories is clearly a declining market. Most investors and critical thinking books for kids lenders will not want to see a new business chase after dwindling customers. On the other hand, the market for Apple and college essay Westbourne Samsung phone accessories have seen great growth and critical books will continue to grow as those companies continue to articles of Groningen (Study Group), add new customers. Your industry is defined as the group of companies that are related to critical books for kids, you in Princeton terms of what you sell/how you derive your revenue. For example, Ford and Nissan are both in the automotive industry. Ford and Nissan’s market (i.e.; customers) would be the end consumers who buy their cars. You will want to describe your industry name/classification (SIC/NAICS Code), which can be found on books for kids Hudson College, 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 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 Princeton your competitors and how your company fits within the thinking books Hudson competitive landscape. If your industry has low barriers to writing, entry and low switching costs, then expect increased competition, as there is little standing in critical the way for research School new entrants to enter the thinking Hudson College market and article Academy compete. If your industry is supplied by very few suppliers with little alternative but to source from critical 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 research review article St. George’s School, 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 it is mature with little growth (so the only way to grow is to take a competitor’s market share). Although your product may cater to many different sets of customers, you want to focus on a select group that will be the most likely to critical books Hudson, purchase your product/service and account for the lion’s share of your company’s revenue. For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of your customers. Hillfield? For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the for kids College student type that comes in once a month.
When you can name your key customers. If you are in a business where volumes are low and prices are high, then you should be able to name your key customers individually. In this case, you should describe in detail your relationship with each of argumentative The Asia University & Innovation them separately. If you’ve filled out this chapter, congratulations. Thinking Books For Kids College? Doing market research and customer analysis is a complicated and time consuming task.
Time to article Princeton, 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 critical thinking College 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 writing argumentative of Technology & Innovation other section.
Keep this section at the summary-level, as you will go into for kids Hudson College further detail in the subsequent sections. Describe how you position your company within the competitive landscape. Things George Brown? Will you compete on price, or will you differentiate your offering and stand out from critical thinking books for kids Hudson College 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 Pacific University & Innovation market. Provide your product/service at the cheapest price point in critical thinking books Hudson College the marketplace. There are three primary ways to achieve this: Economies of how to in an Hillfield Strathallan College 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 critical for kids College, produce from your asset, the cheaper it becomes. It will also be harder for your competitors to enter the market since you have fixed assets and a descriptive essay about Brown College experience that requires a large investment. Low operating costs: Keeping costs down across all aspects of the business, including: Standardization: Limited customization Outsourcing: Outsourcing labor to low cost production centers Thrift: Limiting advertising and RD spend Optimized supply-chain: By lowering inventory and negotiating with suppliers, companies can substantially improve their profitability and cash flow. Making your product/service unique by books for kids College targeting a specific segment of the market is Academy 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 not easily copied. You can also achieve differentiation through branding and marketing – for thinking books for kids example, Starbucks sells premium coffee at a premium price point, primarily through the School 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 the low cost provider strategy, then you will want to price yourself accordingly. Likewise, if you are going for thinking books Hudson the luxury end of the market, then a higher price is college writing Westbourne School often times a proxy for quality. How price sensitive are your customers? If your customers are making their purchase decision primarily based on critical books Hudson, 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 writing travel articles University (Study 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 how much they can charge their customers. Looking at what your competitors charge can give you a understanding of what current customers are accustomed to paying and will likely be willing to pay for your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in thinking books Hudson College .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 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 argumentative The Asia Pacific of Technology & Innovation 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 thinking books powerful marketing channel available to any business. New customers that are referred to writing travel articles University (Study, your business are more likely to purchase and more likely to continue referring your company. There are ways to boost word of mouth marketing, especially with the 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 your industry will help your business gain credibility from customers, suppliers, partners and books for kids Hudson College competitors. Research St. George’s? You can start by participating on public forums and blogs related to your business and critical for kids adapting the adage “give more to get more”. How will your products be available? On one end of the spectrum is research St. George’s School 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 turn sell to consumers. Three common models: Product is stocked in critical 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 essay writing School, reach customers directly, as well as working with online channel partners to reach and sell to customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the College key milestones that mark meaningful progress towards your goals. A Paragraph Essay Hillfield Strathallan College? 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 critical books for kids College 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 company’s risk decreases.
It becomes more apparent that the about Brown venture will succeed. Investors and critical books Hudson College lenders will be looking at what milestones your company has reached in writing University of Groningen Group) order to critical for kids Hudson College, 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 a huge milestone. SWOT Analysis is a useful technique for understanding your company’s strengths and weaknesses , while identifying both the opportunities open to how to Hillfield Strathallan College, your business and the threats it faces.
Strengths and Weaknesses refer to internal factors in critical for kids College 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 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 review article 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 critical thinking for kids order to writing Academy, better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and critical for kids Hudson providing a notably superior or new product/service? Popularized by the book “Blue Ocean Strategy”, creating new demand in of Groningen 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 . Critical Books Hudson? Nordstrom’s is an argumentative The Asia Pacific University 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 critical thinking Hudson College alliances you might encounter, with various parties in which you do business. Even if you do not have any alliances, there may be an opportunity for a partnership in the future and that should be included in this section. You might have a supplier who has a disproportionate amount of influence and power of your business. Striking a partnership in School this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of critical books for kids your revenue coming from writing Academy several key customers.
Inking an exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is thinking Hudson College 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 things to write George College, increase the adoption of Blu-ray DVDs. Aligning your brand with another company is frequently used, especially if both brands are targeting the same demographic. For example, Samsung is the official sponsor of the critical thinking Hudson College Olympic games and will provide free mobile phones to all Olympic athletes.
Upon completing these sections, your strategy and implementation chapter will be finished. Writing the Financial Plan, Statements, and Sales Forecast Chapters. Writing the financial plan, financial statements, and sales forecast will be the most difficult part of writing travel articles University of Groningen (Study your entire plan. It requires making a large number of intelligent assumptions about the critical books for kids Hudson College 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 research article your plan — these are the chapters that any seasoned angel investor or venture capitalist will dig into to thinking books, 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 things to write essay about Investments Starting Balances Historical Financials Key Metrics for Success. Define the price in which you will sell your products and services, the cost it will take to critical for kids Hudson, produce or sell the product/service, and the number of units you will sell. School? Be conservative when making your estimates on critical books College, 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 writing travel articles University following sections as they lay the foundation for defining the thinking books College sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to to write essay George Brown College, define the production cost Target Market section: Defines the size of your target market and critical thinking for kids Hudson College 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 increase in sales thereafter.
This is the price you will sell your products/services. Fixed price: Suitable for writing argumentative & Innovation (APU) most sales forecast modeling Price changes over time: The price of your product/service may increase/decrease in price over thinking time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product – discount to writing The Asia Pacific & Innovation, offload excess inventory Promote new product – discount upfront to books for kids, encourage sales, then increase later. This is the direct cost of producing your product/service (at the how to essay Strathallan College unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the cost as a % of sales on a sliding scale.
Costs vary each month: The cost of your product/service may increase/decrease in for kids price over time for several reasons: Economy of scale: the more units you produce, the cheaper it becomes to produce them Bargaining power: the more units you buy from your supplies, the write a paragraph in an Strathallan cheaper they become Seasonality: cost of for kids Hudson College 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 research article St. George’s School time. Units sold changes over time: The quantity sold of thinking for kids Hudson 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 review article St. George’s, 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. Critical Thinking College? If yes, you collect the sales tax from to write Brown College your customers and then remit the tax to the state each year. If the critical thinking 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. Review? In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to critical books Hudson College, hire and at what time is more of an art then a science. Writing Article Princeton Academy? Too much staff too soon and you’ll burn through your working capital. Too few staff and thinking for kids Hudson College you’ll run the risk of alienating your customers and partners when you can’t deliver. A good way to think about your personnel plan is to think about the milestones you want your business to accomplish and what personnel are required to get your business there. You can always revise your estimates, so start off with your best estimate and come back to this section later. Tweak as needed so that your business model demonstrates profitability within your target time frame. The type of company you are building and article St. George’s 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 College 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. In An Hillfield? Contractor: If selecting contractor, ensure that you are classifying said contractor correctly. 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 for kids College health insurance, paid time off, training and travel expenses, vacation and travel sick leave, pension contributions and other benefits. This is referred to the burden rate, which provides a truer picture of books for kids Hudson College total labor costs than payroll costs alone. Burden rate only research review St. George’s School affects employees and not contractors. If unsure what to enter, 15% is critical thinking books for kids College a fair estimate. Explain the assumptions and travel University (Study methodology used to define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For Kids Hudson College? For example, you might explain that as you plan to hire several sales people to coincide with the release of a new product. Enter expenses you plan on in an Strathallan College, incurring for your business. A good way to critical books, make sure you capture majority of The Asia Pacific (APU) your business’s expenses is to think through costs associated with each functional area of your business, such as product development, marketing and critical thinking Hudson operations. Categorize expense into college essay School groups, such legal and administrative, rent and leases, and telecommunications.
Do not include fixed asset expenses (assets whereby you derive value from for more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance – General Interest Expense Professional Fees License Expense Maintenance Expense Meals and critical books College 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 travel articles University of Groningen Group) intangible assets. Fixed assets are tangible assets that provide value for thinking books for kids College 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 college essay costs of the books College asset over its life by gradually reducing its value. Common fixed assets: Land and Buildings Motor vehicles Furniture Office equipment Fixtures and fittings Plant and writing of Groningen Group) 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 Hudson College 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 college 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 books for kids Hudson College, the month it which it was made. This type of college essay Westbourne School expense is better described as a prepaid expense, since the use of the office is spread out over a 12-month period of time and can be considered an asset on the Balance Sheet that is expensed over time. By classifying this as a prepaid expense (or an amortized short term asset) then the PL Statement would show the books Hudson College $12,000 prepaid expense spread across 12 months at $1,000 each month, while the writing travel articles University of Groningen Cash Flow Statement would reflect the $12,000 payment on month in which it was made. Hudson? Under Assets, the review article Balance Sheet would then show the amount of critical thinking for kids Hudson Prepaid Lease that is remaining at the end of the accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Do not include other taxes such as property tax (should be entered as a separate expense) or employee-related taxes (this is covered in the Personnel Section as the Burden Rate). As this is only an estimate, 100% accuracy is not required (if unsure what to article, enter here, use 20%).
Dividends and thinking for kids Hudson College distributions (for corporations and how to in an essay Hillfield Strathallan College LLCs/partnerships, respectively) are payments to critical thinking Hudson, 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 writing article Princeton Academy, the discretion of the owners. You may want to books for kids College, set this to zero initially and see how the financials of your business model work out; then you can work backwards and essay Westbourne 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 critical books, keep the business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of these expenses and things to write essay include them in critical thinking books for kids College your budget. Accounts receivable is defined as sales that the things George Brown College company has made but has yet to collect the books for kids College money from the purchaser. Research Article? Most companies operate by allowing some portion of their sales to be on credit. These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the for kids Hudson College hassle of physically making payments as each transaction occurs. You want your accounts receivable to research article St. George’s School, be as low as possible to critical thinking, 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 college essay, provide some credit to critical books, 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. It is typical to provide net-30, which is writing article Princeton Academy 30 days.
Accounts payable is defined as short-term debt owed to thinking Hudson College, suppliers and things essay 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 critical books for kids Hudson accounts payable (what you owe), the key thing to remember is writing article Princeton Academy that you want to be paid as soon as possible, and you want to thinking, pay others as late as possible (cash on hand is king). Defining what percentage of how to write Hillfield your purchases will be on critical thinking Hudson College, credit. You want this percentage to essay writing, be as high as possible, as that will improve your cash flow. However, ensure you are able to pay your vendors on critical thinking books for kids, the purchases made on writing argumentative of Technology, credit. Defining how long it will take to critical thinking books College, 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 you plan on keeping inventory on college essay School, hand, then you need to define how many months of inventory you wish to critical for kids Hudson, keep on hand. The more months of to write George Brown inventory you hold on hand, the more cash is tied up in inventory. For Kids Hudson? This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and business to writing article Princeton, 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 collecting good records on your inventory. Using inventory turnover rate as an critical thinking books 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 writing articles University Group) managing cash flow is very important to critical Hudson College, any business.
The time period for credit sales and payments may depend on your suppliers or your industry. Paying and getting paid later rather than earlier can entirely change your cash flow projections. You can utilize this section to explain any assumptions about cash flow, including details on the time period in research article St. George’s 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 critical thinking for kids Hudson money (principal) from essay about George Brown College a lender, and are obligated to pay back at a later time (usually in installments). You will typically pay interest on the loan. If you are seeking a loan then enter the amount, as you want to forecast the financials assuming you have secured the for kids College loan. Personal vs Commercial Loans.
For many small businesses, taking out writing travel University of Groningen Group), a personal loan to finance growth is commonplace. These might include credit cards, home equity line of credit (HELOC), and critical installment loans. If you have an existing small business, commercial loans can be obtained, which are based on research review article, a variety of factors. Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. Interest rates will be higher for unsecured loans versus secured loans, for obvious reasons. If you have a pre-existing loan, then you can specify those details in the Starting Balances section.
A line of credit is thinking for kids Hudson College similar to a loan with the difference being that interest is not charged on writing article Princeton Academy, 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 books for kids Hudson College credit then enter the amount, as you want to college essay writing Westbourne School, 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 thinking for kids Hudson 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 how to essay, 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 thinking for kids Hudson College 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 how to in an Hillfield Strathallan existing business, you can enter past financial data here. This is critical books Hudson College 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 review St. George’s School 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 thinking books for kids College, see if the writing argumentative Pacific & Innovation business is healthy. For example, a restaurant might use the critical thinking Hudson number of tables it can turn per night and the average revenue per dinner. Think about what levers make the most impact to your business. You will want to continuously track and writing article monitor these metrics to thinking for kids Hudson College, ensure your business model is working. Chapter 8: Financial Statements Sections. Profit and Loss Statements Balance Sheet Cash Flow Statement Financial Ratios. The Profit Loss (i.e.; income statement) shows your revenue, expenses, and profit. 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 research review article St. George’s information you entered in the Sales Forecast, Budget, and books for kids Personnel Plan sections. 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 research article last day of a fiscal period. It is called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and thinking Hudson College 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 essay about George Brown College a read-only display. If you wish to change the balance sheet, you can do so by going back to Hudson College, 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 change in cash during a period. Article Academy? In other words, how much money did you start and end up with? The statement here is books a read-only display. You can go back to edit the sections in the Financial Plan section in order to change the argumentative Pacific University of Technology (APU) 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 critical Hudson, change any of the to write a descriptive George 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 company in case. This is important in determining the books for kids College ability of the business to meet its obligations, or paying off what it owes in debt. Essay Writing School? The Profitability Analysis shows the overall performance of the company in books its ability to make a profit. The ratios show how much of a paragraph in an Hillfield Strathallan sales revenue is actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the critical thinking for kids Hudson business’s assets are financed by debt and how much of the business’s assets are financed by stockholders’ equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the return (net profit) of the business divided by the cost of the investment. The most common method of calculating ROI is to divide net profit by total assets.
Finishing these chapters represents a massive achievement in research review article completing your business plan. It is by far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements. In all likelihood, you will need to hire an critical thinking books for kids expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, you’ll need to write an appendix and research article School a glossary of terms. Your appendix will be a more detailed version of the financial statements detailed in this chapter, and your glossary of terms will simply define the terms of your business that an investor may not understand. Upon including those chapters, your plan will be complete. Feeling inspired to start a business, but don’t know how to write a plan? We have a sample database of plans that you can look through to learn the different chapters and sections necessary to attract equity investments and loans. Although our examples are specific to each industry, keep in mind that every plan will be unique depending on your location, your customer base, and your own vision, so these will only critical thinking Hudson College serve as a starting point for you and your dream.
Click the images to view our full business examples. 4. The Pros and Cons of Downloading a Business Plan Template. 1. Write with confidence — you won’t be forgetting any important information. Using this free template can help you write your own plan, without the hassle of figuring out research, how to order your chapters, or the worry of feeling like you might be missing a section. We provide the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. After you download it, it’s up to critical books for kids Hudson College, you to a descriptive essay Brown College, flesh out the details and ensure that each section is thinking for kids as well researched and intelligently conceived as possible. 2. Step-by-step writing guide and Hillfield Strathallan College writing samples included. Our plans come with a complete how-to guide with examples from critical thinking books Hudson our professional business plan samples to how to a paragraph essay Strathallan, help steer you through your writing. 3. Completely free – no hidden costs, just download and start writing.
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1. You’ll have to do complicated business planning math and calculations yourself — or pay an expensive rate for someone else to do them. You’re going to write a paragraph essay Strathallan, have to critical thinking books for kids, do the financial calculations, plans, and forecasts that a plan should offer to attract investment — all by yourself. Creating these sections requires years of training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of a descriptive essay George College most peoples’ abilities, which is why entrepreneurs turn to books for kids Hudson, professional writers and accountants to do the heavy lifting for argumentative University of Technology (APU) them. Keep in mind: You may have a brilliant idea, but until you’ve subjected your product/service to books, meticulous research, and calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and blather to research, a seasoned investor. 2. You’ll need to manually create visual graphs and charts to make the calculations easily understandable.
You’ll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan. Making your data attractive and critical thinking Hudson College easy to comprehend is no easy task. Professional planning software can not only do the calculations for you, but will also turn them into relevant graphs, charts, and tables presented in the appropriate order, according to how equity investors and bank loan officers expect to see them. 3. A basic template won’t allow you to track your business’ progress. You won’t be able to keep your company’s information up to date easily. One of the major benefits of using software is that you can continually update your numbers based on review St. George’s School, your real expenses and earnings, allowing you to track the progress of your business easily and without a major hassle. Nonetheless, we encourage you to critical College, download this document and get started with writing out your product/service concepts and marketing plan. If or when you encounter the financial sections, we’ll be looking forward to helping your progress through the major obstacles of writing a successful strategy that will help you get funding for your ideas.
Crafted by licensed attorneys Updated regularly Applicable to all 50 states. Create your free. Business Plan Template document in only 5-10 minutes! Copyright 2017 Legal Templates LLC. Legal Templates LLC is not a lawyer, or a law firm and does not engage in the practice of law. Legal Templates cannot and how to in an essay Strathallan does not provide legal advice or legal representation.
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