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The Cause and Effects of the Great Depression Essay | Bartleby
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reception work, such as answering the telephone and receiving clients booking appointments checking and ordering supplies keeping notes of clients’ medical histories and treatment programmes. The Awakening Statements? You may occasionally need to refer clients to their doctor, for example, if they have a severe skin problem. Your working hours would typically be 9 am to 5 pm, including Saturdays. Some salons offer evening appointments. You could work in great depression, a high street salon or beauty clinic, health spa, hotel, or on about world of music a cruise ship. You could also be self-employed, either working from home or visiting clients in their own homes. Beauty therapists typically earn between ?12,000 and ?17,000 a year. Salon managers can earn over ?20,000 a year. Beauty therapists also receive tips, and are usually paid extra for products they sell in the salon (known as commission). Figures are intended as a guideline only. To start work as a fully qualified beauty therapist you would need at least a level 3 qualification such as: NVQ Certificate/Diploma in Beauty Therapy at Level 3 City Guilds Level 3 Diploma in Beauty Therapy Techniques ITEC Level 3 Diploma in Advanced Beauty Therapy VTCT Level 3 Diploma in essay, Beauty Therapy Treatments.
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With experience, and possibly further training, you could progress to become a salon manager, or move into sickle anemia a case study approach to teaching school genetics training. The health and fitness industry is part of the active leisure, learning and well?being sector, represented by SkillsActive Sector Skills Council. This sector is based on leisure and recreation and includes: sport and recreation; playwork; the outdoors; and the caravan industry. The UK active leisure, learning and well?being sector currently employs 663,300 people, representing just over 2% of the UK workforce, and an estimated 1.9 million volunteers in England (equating to 54,000 full?time equivalents). There are an estimated 39,800 workplaces, of depression essay, which 74% employ 10 or less people. Much of the workforce work in a part?time capacity (47%) and evaluation, seasonal employment is important for outdoors, caravans and playwork, which attract students and essay, other temporary workers. The health and fitness industry focuses on the supervision of essay about, exercise and physical activity. The UK has thousands of fitness clubs, leisure centres and gyms for public use. Depression? Over the last decade, the industry has grown rapidly, which has come both from sickle anemia to teaching high school within the depression essay private sector, but also through the sickle anemia a case school genetics government’s reliance on the industry to help it deliver on public health and activity targets in the fight against illness and essay paper, obesity.
There are 51,500 people working in the health and evaluation criteria writing, fitness industry. There are over 3,100 private fitness facilities within the UK with 4,397,200 members. There are just under 2,600 public health and depression, fitness facilities, which have over 2,758,400 members. 38% of the workforce is employed full?time, 42% part?time and 20% self?employed. Around 29% of the buy microsoft online health and great depression essay, fitness workforce is aged 16?24 years (compared with 14% across all industries in the UK).
Jobs in the industry include: fitness instructor, personal trainer, group exercise instructor, yoga and pilates teacher, recreation assistant, club managers, duty managers, sales personnel, receptionist, lifeguard, finance manager, beautician, creche staff, children’s activity staff. East Midlands – There are 44,300 people employed in the active leisure, learning and well?being sector, of which 3,900 are employed in the health and fitness industry. The region hosts a broad range of activities, including coastal and countryside destinations (e.g. the at school essay Peak District, Sherwood Forrest and the National Forest). There are many places to paper, walk and cycle, and the growing network of rights of way, footpaths, multi?use trails and long?distance paths forms an important recreational resource. Industry skills gaps in the region include: sport specific technical skills; first aid; and child protection. Criteria Writing? East of England – There are 61,400 people employed in the active leisure, learning and depression essay, well?being sector, of which 6,100 are employed in the health and fitness industry. London – There are 70,200 people employed in the active leisure, learning and well?being sector, of which 5,900 are employed in the health and fitness industry. London has a rich mix of active leisure and learning facilities, high profile sporting clubs and venues and by gandhi essay, hosts a wide range of international, national, regional and local events.
Industry skills gaps in the region include: sport specific technical skills; communication; management; initiative; first aid; child protection; project management; and great essay, working with people with disabilities. North East – There are 24,500 people employed in the active leisure, learning and sickle anemia study approach to teaching high school, well?being sector, of depression essay, which 1,900 are employed in the health and fitness industry. The region has 20 facilities listed in the London 2012 Pre?Games Training Camps Guide and 4 universities providing sports provision recognised in the 2012 Training Camps Guide. The region hosts to the Great North Run, which has the at school largest participation in the world. Industry skills gaps in the region include: sport specific technical skills; communication; first aid; team?working; health and safety; working with disabled people; child protection; and essay, initiative. North West – There are 65,700 people employed in the active leisure, learning and well?being sector, of essay of music, which 5,400 are employed in the health and fitness industry. The region is home to the Lake District, Forest of Bowland and the coast, so facilities include a purpose built mountain bike trail and outdoor activity centres. Industry skills gaps in the region include: sport specific technical skills; communication; initiative; team?working; planning and preparing work; child protection; and first aid. South East – There are 96,700 people employed in the active leisure, learning and well?being sector, of which 8,700 are employed in the health and great essay, fitness industry.
Two of the networking enginering nine UK Sports Institutes are based in the region at Bisham Abbey and great, Bisley. Industry skills gaps in the region include: sport specific technical skills; first aid; child protection; communication; management; and planning and preparing work. South West – There are 53,700 people employed in the active leisure, learning and well?being sector, of which 4,100 are employed in the health and fitness industry. The region offers a range of statements, opportunities for surfing, sailing, surf lifesaving, Tarka Trail, Camel Trail and coastal paths. Industry skills gaps in the region include: sport specific technical skills; communication; management; team?working; planning and preparing work; initiative; project management; and problem solving. West Midlands – There are 48,200 people employed in the active leisure, learning and depression essay, well?being sector, of which 3,700 are employed in the health and fitness industry. Industry skills gaps in the region include: sport specific technical skills; communication; management; team?working; initiative; and planning and essay world, preparing work. Yorkshire and the Humber – There are 51,900 people employed in the active leisure, learning and well?being sector, of which 3,500 are employed in the health and fitness industry. The region has a strong sporting infrastructure and is home to a cluster of sports science, technology, medicine and economics research and development units. The region hosts three National Parks and a range of outdoors activities including rock climbing, airborne activities, water sports and cycling.
Industry skills gaps in the region include: sport specific technical skills; communication; child protection; initiative; and great depression, management. Criteria? Northern Ireland – There are 10,738 people employed in depression, the active leisure, learning and well?being sector, of which 1,000 are employed in the health and fitness industry. Scotland – There are 58,200 people employed in the active leisure, learning and well?being sector, of which 5,100 are employed in the health and fitness industry. Buy Microsoft? Wales – There are 29,500 people employed in depression, the active leisure, learning and buy microsoft powerpoint online, well?being sector, of which 2,100 are employed in the health and fitness industry.
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Essay: The Great Depression
Free Sample Retail Business Plan Store Template. To Help you Succeed In Business. A good retail business plan gives the retail firm a pathway to profit. This free sample business plan retail store guide is great paper, designed to powerpoint online, help an owner-manager work up a sound business plan. To profit in business, you need to consider the following questions: What business am I in?
What goods do I sell? Where is paper, my market? Who will buy? Who is at school essay, my competition? What is my sales strategy? What merchandising methods will I use? How much money is needed to operate my store? How will I get the work done? What management controls are needed? How can they be carried out? When should I revise my plan?
Where can I go for help? As the owner-manager, you have to answer these questions to draw up your business plan. The pages of essay paper this Guide are a combination of text and suggested analysis so that you can organize the information you gather from research to online, develop your plan, giving you a progression from a common sense starting point to a profitable ending point. The success of your retail store business depends largely upon depression, the decisions you make. Sickle Cell Anemia A Case Study Genetics! A business plan allocates resources and measures the results of depression your actions, helping you set realistic goals and make logical decisions. You may be thinking, Why should I spend my time drawing up a business plan? What's in it for me? If you've never worked out a plan, you are right in wanting to hear about the possible benefits before you do the criteria writing work. Remember first that the lack of planning leaves you poorly equipped to anticipate future decisions and actions you must make or take to run your business successfully.
A business plan Gives you a path to depression paper, follow. A plan with goals and at school by gandhi essay, action steps allows you to guide your business through turbulent often unforeseen economic conditions. A retail plan shows your banker the condition and direction of your business so that your business can be more favorably considered for a loan because of the banker's insight into your situation. A plan can tell your sales personnel, suppliers, and depression essay, others about your operations and goals. A plan can help you develop as a manager. It can give you practice in thinking and figuring out problems about thesis statements, competitive conditions, promotional opportunities and essay paper, situations that are good or bad for your business.
Such practice over a period of time can help increase an owner-manager's ability to criteria for essay, make judgments. A second plan tells you what to do and how to do it to achieve the goals you have set for depression, your business. In making your business plan, the first question to consider is: What business am I really in? At first reading, this question may seem silly. If there is at school, one thing I know, you say to yourself, it is what business I'm in. Great Essay! Hold on and think. Some owner-managers have gone broke and others have wasted their savings because they did not define their businesses in detail. Actually they were confused about what business they were in. Look at an example. Mr.
Jet maintained a dock and sold and about world, rented boats. He thought he was in the marina business. But when he got into trouble and asked for outside help, he learned that he was not necessarily in the marina business. He was in several businesses. He was in the restaurant business with a dockside cafe, serving meals to boating parties. He was in the real estate business, buying and selling lots. He was in great, boat repair business, buying parts and hiring a mechanic as demand rose.
Mr. Jet was trying to be too many things and evaluation for essay writing, couldn't decide which venture to great depression, put money into and how much return to expect. What slim resources he had were fragmented. Before he could make a profit on his sales and a return on his investment, Mr. Jet had to decide what business he really was in and concentrate on it. After much study, he realized that he should stick to the marina format, buying, selling, and servicing boats. Decide what business you are in and write it down - define your business. To help you decide, think of answers to questions like: What do you buy? What do you sell?
Which of your lines of evaluation criteria writing goods yields the greatest profit? What do people ask you for? What is it that you are trying to do better or more of or differently from your competitors? Write it down in detail. Retail Business Marketing.
When you have decided what business you are in, you are ready to consider another important part of your business plan. Marketing. Essay Paper! Successful marketing starts with the owner-manager. You have to know the merchandise you sell and online, the wishes and wants of your customers you can appeal to. The objective is to move the stock off the great shelves and by gandhi, display racks at great depression essay the right price and essay, bring in sales dollars. The text and great depression essay, suggested working papers that follow are designed to help you work out a marketing plan for your store. Determining the Sales Potential store. In retail business, your sales potential depends on essay about of music, location. Like a tree, a store has to draw its nourishment from the area around it. The following questions should help you work through the problem of selecting a profitable location.
In what part of the city or town will you locate? In the downtown business section? In the area right next to essay, the downtown business area? In a residential section of the town? On the highway outside of town? In a suburban shopping center? On a worksheet, write where you plan to at school by gandhi essay, locate and give your reasons why you chose that particular location. Now consider these questions that will help you narrow down a place in your location area. What is the competition in the area you have picked?
How many of the stores look prosperous? How many look as though they are barely getting by? How many similar stores went out of business in this area last year? How many new stores opened up in the last year? What price line does competition carry? Which store or stores in the area will be your biggest competitors? Again, write down the reasons for your opinions. Also write out an analysis of the area's economic base and great essay paper, give the reason for your opinion.
Is the area in which you plan to by gandhi, locate supported by a strong economic base? For example, are nearby industries working full time? Only part time? Did any industries go out of business in the past several months? Are new industries scheduled to open in the next several months? When you find a store building that seems to essay paper, be what you need, answer the following questions: Is the neighborhood starting to get run down? Is the neighborhood new and on the way up? (The local Chamber of Commerce may have census data for your area.
Census Tracts on Population, published by thesis, the Bureau of Census, may be useful. Great Depression Essay Paper! Other sources on such marketing statistics are trade associations and of music, directories). Are there any super highways or through-ways planned for the neighborhood? Is street traffic fairly heavy all day? How close is the building to bus lines and depression paper, other transportation? Are there adequate parking spaces convenient to your store? Are the sidewalks in good repair (you may have to repair them)?
is the street lighting good? Is your store on the sunny side of the street? What is the occupancy history of this store building? Does the store have a reputation for failures? (Have stores opened and closed after a short time)? Why have other businesses failed in this location? What is the physical condition of the store? What service does the by gandhi landlord provide? What are the depression essay terms of the lease? How much rent must you pay each month? Estimate the gross annual sales you expect in essay, this store location. When you think you have finally solved the great paper retail site location question, ask your banker to recommend people who know most about buy microsoft powerpoint, location in your line of business.
Contact these people and listen to their advice and opinions, weigh what they say, then decide. Retail Business Plan: Attracting Customers. When you have a location in great depression paper, mind, you should work through another aspect of the awakening statements marketing. How will you attract customers to great essay, your store? How will you pull business away from your competition? It is in working with this aspect of marketing that many retailers find competitive advantages. The ideas that they develop are as good as and often better than those that large companies develop. The work blocks that follow are designed to help you think about image, pricing, customer service policies, and advertising. A store has an image whether or not the owner is aware of evaluation writing it. For example, throw some merchandise onto great depression paper shelves and onto display tables in a dirty, dimly lit store and buy microsoft powerpoint online, you've got an image.
Shoppers think of it as a dirty, junky store and paper, avoid coming into it. Your image should be concrete enough to promote in your advertising and evaluation criteria, other promotional activities. For example, home-cooked food might be the image of a small restaurant. Write out on a worksheet the image that you want shoppers and customers to have of your store. Value received is the key to pricing. Depression Essay Paper! The only way a store can have low prices is to sell low-priced merchandise. Thus, what you do about the prices you charge depends on the lines of merchandise you buy and sell. It depends also on what your competition charges for these lines of merchandise.
Your answers to the following questions should help you to decide what to buy microsoft, do about depression essay paper, pricing. In what price ranges are your line of merchandise sold. High _____ , Medium _________, or Low _____? Will you sell for cash only? What services will you offer to for essay, justify your prices if they are higher than your competitor's prices? If you offer credit, will your price have to be higher than if all sales are for depression, cash? The credit costs have to come from somewhere. Plan for them. If you use credit card systems, what will it cost you?
Will you have to add to your prices to absorb this cost. Customer Service Policies in cell to teaching school genetics, a Retail store. The service you provide your customers may be free to essay, them, but you pay for it. For example, if you provide free parking, you pay for your own parking lot or pick up your part of the cost of a lot you share with other retailers. Make a list of the services that your competitors offer and anemia study to teaching high school genetics, estimate the cost of each service. How many of these services will you have to great paper, provide just to be competitive?
Are there other services that would attract customers but that competitors are not offering? If so, what are your estimates of the cost of such services? Now list all the services you plan to offer and the estimated costs. Total this expense and figure out how you can include those added costs in your prices without pricing your merchandise out of the market. Advertising was saved until the last because you have to have something to the awakening thesis, say before advertising can be effective. When you have an image, price range, and essay, customer services, you are ready to tell prospective customers why they should shop in your store. When the sickle cell study to teaching school money you can spend for advertising is limited, it is great depression, vital that your advertising be on target. Before you think about how much money you can afford for advertising, take time to determine what jobs you want to cell study to teaching school, do for your store.
List what makes your store different from your competitors. List the facts about your store and its merchandise that your advertising should tell shoppers and prospective customers. When you have these facts listed and in hand, you are ready to think about the form your advertising should take and its cost. Ask the great paper local media (newspapers, radio and television, and fundamentals, printers of direct mail pieces) for great essay, information about the services and results they offer for your money. How you spend advertising money is your decision, but don't fall into the trap that snares many advertisers who have little or no experience with advertising copy and media selection. Advertising is a profession. Don't spend a lot of money on advertising without getting professional advice on what kind and how much advertising your store needs. The following work sheet can be useful in determining what advertising is anemia a case study to teaching school genetics, needed to sell your strong points to prospective customers. When you have a figure on what your advertising for essay, the next twelve months will cost, check it against what similar stores spend.
Advertising expense is one of the operating ratios (expenses as a percentage of sales) that trade associations and other organizations gather. If your estimated cost for advertising is substantially higher than this average for networking enginering fundamentals, your line of merchandise, take a second look. No single expense item should be allowed to get way out of line if you want to make a profit. Your task in great paper, determining how much to spend for essay, advertising comes down to the question, How much can I afford to spend and still do the job that needs to be done? To complete your work on marketing, you need to great depression, think about what you want to happen after prospects get inside your store. For Essay Writing! Your goal is to move stock off your shelves and displays at a profit and satisfy your customers. You want repeat customers and money in your cash register. At this point, if you have decided to sell for cash only, take a second look at your decision. Don't overlook the fact that Americans like to buy on great paper, credit. Often a credit card, or other system of credit and collections, is needed to attract and hold customers.
Customers will have more buying confidence and be more comfortable in your store if they know they can afford to about world of music, buy. Credit makes this possible. To encourage people to buy, self-service stores rely on layout, attractive displays, signs and great depression essay, clearly marked prices on the items offered for sale. Other stores combine these techniques with personal selling. List the display counters, racks, special equipment (something peculiar to your business like a frozen food display bin or a machine to measure and cut cloth), and other fixtures. Evaluation Criteria! Figure the cost of depression paper all fixtures and equipment by listing them on a worksheet as follows: Type of equipment Number X Unit Cost = Cost. Draw several layouts of your store and attach the criteria for essay layout that suits you to the cost worksheet. Determine how many signs you may need for depression essay, a twelve month operation and estimate that cost also.
If your store is a combination of self-service and personal selling, how many sales persons and cashiers will you need? Estimate, I will need ________ sales persons at $ ________ each week (include payroll taxes and insurance in this salaries cost). The Awakening! In a year, salaries will cost: _________. Personal attention to customers is one strong point that a store can use as a competitive tool. You want to emphasize in paper, training employees that everyone has to pitch in and get the job done. The Awakening! Customers are not interested in job descriptions, but they are interested in great depression paper, being served promptly and courteously.
Nothing is more frustrating to a customer than being ignored by an employee. Decide what training you will give your sales people in statements, the techniques of how to greet customers, show merchandise, suggest other items, and handle customer needs and complaints. When buying merchandise for depression essay, resale, you need to at school by gandhi essay, answer questions such as: Who sells the line to retailers? Is it sold by the manufacturer directly or through wholesalers and distributors? What delivery service can you get and must you pay shipping charges? What are the terms of buying? Can you get credit? How quickly can the vendor deliver fill-in orders? You should establish a source of supply on acceptable terms for great paper, each line of merchandise and estimate a plan for purchasing as follows:
Name of at school by gandhi Item / Name of Supplier / Address of Supplier / Discount Offered / Delivery Time(1) / Freight Costs(2) / Fill-in Policy(3) (1) How many days or weeks does it take the depression supplier to deliver the merchandise to your store. (2) Who pays? You, the buyer? The supplier? Freight or transportation costs are a big expense item.
(3) What is the supplier's policy on fill-in orders? That is, do you have to buy a gross, a dozen, or will the supplier ship only two or three items? How long does it take for the delivery to get into your store? Often shoppers leave without buying because the store did not have the items they wanted or the sizes and colors were wrong. Stock control, combined with suppliers whose policies on fill-in orders are favorable to you, provides a way to reduce walkouts. The type of buy microsoft system you use to keep informed about your stock, or inventory, depends on paper, your line of merchandise and the delivery dates provided by your suppliers. Your stock control system should enable you to determine what needs to be ordered on the basis of: (1) what is on the awakening thesis statements, hand, (2) what is on order, and depression essay, (3) what has been sold. Some trade associations and suppliers provide systems to sickle cell anemia high, members and customers, otherwise your accountant can set up a system that is best for your business.
Inventory control is based upon depression paper, either a perpetual or a periodic method of accounting that involves cost considerations as well as stock control. When you have decided what system you will use to cell anemia approach high, control stock, estimate its cost. You may not need an extensive (and expensive) control system because you do not need the detailed information such a system collects. Essay! The system must justify its costs or you will just waste money and time on sickle cell anemia approach to teaching high, a useless effort. When an owner-manager buys reasonably well, you can expect to turnover stock several times a year. Great Depression! For example, the stock in a small camera shop should turnover four times to at school, four and a half times a year.
What is the average stock turnover per year of your line of merchandise? How many times do you expect your stock to turnover? List the reasons for your estimate. In a retail store, behind-the-scenes work consists of the receiving of merchandise, preparing it for display, maintaining display counters and great paper, shelves, and keeping the store clean and attractive to customers. The following analytical list will help you decided what to criteria writing, do and the cost of those actions. First list the equipment (for example a marking machine for pricing, shelves, a cash register) you will need for: (1) receiving merchandise (2) preparing merchandise for depression essay, display, (3) maintaining display counters and shelves, and (4) keeping the store clean. Next list the supplies you will need for a year, for example, brooms, price tags, and business forms. Use this format to figure these costs: Name of Equip./Supplies | Quantity X Unit Cost = Cost.
Who will do the buy microsoft powerpoint back-room work and the cleaning that is needed to make a smooth operation in great depression essay, the store? If you do it yourself, how many hours a week will it take you? Will you do these chores after closing? If you use employees, what will they cost? On a worksheet describe how you plan to handle these tasks. For example:
Back-room work will be done by one employee during the slack sales times of the day. I estimate that the employee will spend _______ hours per week on these tasks and will cost ________ (number of hours times hourly wages) per enginering, week and _____ per year. I will need ________ square feet of space for the back-room operation. This space will cost _______ per square foot or a total of ________ per month. List and analyze all expense items in the same manner. Examples are utilities, office help, insurance, telephone, postage, accountant, payroll taxes, and licenses or other local taxes. If you plan to hire others to help manage, analyze these salaries. Put Your Plan Into Dollars. At this point, take some time to think about what your business plan means in terms of dollars. This section is paper, designed to essay world, help you put your plan into great depression essay, dollars. The first question concerns the source of dollars.
After your initial capital investments in a retail store, the networking enginering fundamentals main source of money is sales. What sales volume do you expect to do in the first twelve months? Write your estimate here ________, and great essay, justify your estimate. List the following estimated start-up costs: Fixtures and equipment* ______.
Starting inventory ______. Decorating and powerpoint online, remodeling ______. Installation of equipment ______. Deposits for utilities ______. Legal and professional fees ______. Licenses and permits ______. Advertising for the opening ______. Accounts receivable ______. Operating cash ______. *Transfer your figures from great depression paper previous worksheets. Whether you have the funds (say in savings) or borrow the money, your new business will have to sickle cell a case study approach to teaching high genetics, pay back start-up costs.
Keep this fact in mind as you work on great essay paper, estimating expenses and on other financial aspects of your plan. In connection with annual sales volume you need to essay, think about depression paper, expenses. Sickle Anemia Study Approach To Teaching High Genetics! If, for example, you plan to do sales amounting to $100,000, what will it cost you to great paper, do this amount of about of music business? How much profit will you make? A business must make a profit or close.
The following exercise will help you to make an estimate of depression essay your expenses. To do this exercise you need to know the writing total cost of goods sold for your line of depression merchandise for the period (month or year) that you are analyzing. Cost of goods sold is at school essay, expressed as a percentage of sales and is called an operating ratio. Check with your trade association to get the operating ratios for your business's. Great Paper! The following is the online format for an Income Statement with operating ratios substituted for great depression essay paper, dollar amounts. Summary of Operating Ratios. of 250 high Profit Hardware Stores. Cost of Goods Sold -64.92. Payroll and other employee expenses16.23. Office supplies and postage0.40. Telephone and telegraph0.24.
Taxes (other than real estate and buy microsoft powerpoint, payroll) 0.46. Depreciation (other than real estate)0.57. Legal and accounting expenses0.31. Dues and subscription0.08. Travel, buying, and entertainment0.19. Total operating expense -26.33. Net operating profit 8.75. Other income 1.65.
Net profit before income taxes10.40. Now using your operating ratio for cost of goods sold and great depression, your estimated Sales Revenue, you can breakdown your expenses by substituting your ratios and dollar amounts in at school essay, the Income Statement. Notice that Gross Margin must be large enough to provide for your expenses and profit. and continue to fill out the entire Income Statement. Depression! Work out statements monthly or for the year. A budget helps you to a case approach high school, see the dollar amount of your expected revenue and expenses each month. Then from month to great depression, month the question is: Will sales bring in enough money to pay for the awakening thesis, the store's bills? The owner-manager must prepare for the financial peaks and valleys of the business cycle. A cash forecast is a management tool that can eliminate much of the great depression paper anxiety that can plague you if your sales go through lean months.
Use the sickle anemia a case approach to teaching genetics following format. Cost of Goods Sold -64.92. Payroll and other employee expenses16.23. Office supplies and postage0.40. Telephone and telegraph0.24. Taxes (other than real-estate and payroll) 0.46. Depreciation (other than real estate)0.57. Legal and accounting expenses0.31.
Dues and subscription0.08. Travel, buying, and entertainment0.19. Total operating expense -26.33. Net operating profit 8.75. Other income 1.65. Net profit before income taxes10.40. Now using your operating ratio for cost of goods sold and great depression essay paper, your estimated Sales Revenue, you can breakdown your expenses by substituting your ratios and dollar amounts in the Income Statement. Notice that Gross Margin must be large enough to provide for your expenses and profit. A budget helps you to see the dollar amount of your expected revenue and expenses each month. Then from month to month the question is: Will sales bring in enough money to pay for the store's bills?
The owner-manager must prepare for buy microsoft powerpoint, the financial peaks and valleys of the business cycle. A cash forecast is a management tool that can eliminate much of the anxiety that can plague you if your sales go through lean months. Use the paper following format. Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total. (Start of Month) _______________ ___ ___ ___. (Start of Month) _______________ ___ ___ ___. (add (1) and statements, (2) _______________ ___ ___ ___.
(4) Expected Accounts. Receivable _______________ ___ ___ ___. Expected _______________ ___ ___ ___. (6) Total Receipts. (add (4) and (5)) _______________ ___ ___ ___. (7) Total Cash and. and (6) _______________ ___ ___ ___. (8) All Disbursements. (for month) _______________ ___ ___ ___.
(9) Cash Balance at end of Month. in Bank Account and Petty Cash. (subtract (8) from (7)* _______________ ___ ___ ___. *This balance is your starting figure for great depression essay paper, the next month. Is Additional Money Needed? Suppose at this point that your business needs more money than can be generated by present sales. What do you do? If your business has great potential or is in good financial condition, as shown by its balance sheet, you will borrow money (from a bank most likely) to keep the sickle cell anemia a case high genetics business operating during start-up and slow sales periods. The loan can be repaid during the fat sales months when sales are greater than expenses. Adequate working capital is needed for success and depression paper, survival; but cash on hand (or the lack of it) is not necessarily an indication that the business is in bad financial shape. Enginering Fundamentals! A lender will look at your balance sheet to see the essay business's Net Worth of which cash and fundamentals, cash flow are only a part.
The balance sheet statement shows a business's Net Worth (financial position) at great depression paper a given point in time, say at essay world of music the close of business at the end of the month or at the end of the year. Free Retail Business Plan How To. Even if you do not need to borrow money you may want to show your plan and balance sheet to your banker. It is essay, never too early to build good relations and credibility (trust) with your banker. The Awakening Statements! Let your banker know that you are a manager who knows where you want to go rather than someone who merely hopes to succeed. To make your plan work you need feedback.
For example, the year-end profit and loss (income) statement shows whether your business made a profit or took a loss for great depression essay paper, the past twelve months. Don't wait twelve months for the score. To keep your plan on target you need readings at frequent intervals. An income statement compiled at the awakening the end of each month or at the end of great depression paper each quarter is one type of frequent feedback. Also you must set up management controls that help you insure that the right things are done each day and week. Online! Organization is needed because you as the great depression owner-manager cannot do all the work.
You must delegate work, responsibility, and authority. The record keeping systems should be set up before the store opens. After you're in business it is at school by gandhi essay, too late. The control system that you set up should give you information about stock, sales, receipts and disbursement. The simpler the accounting control system, the great depression better. Its purpose is to criteria, give you current useful information.
You need facts that expose trouble spots. Outside advisers, such as accountants can help. The purpose of essay paper controlling stock is to provide maximum service to your customers. Your aim should be to achieve a high turnover rate on evaluation criteria for essay writing, your inventory. The fewer dollars you tie up in great depression essay, stock, the better. In a store, stock control helps the owner-manager offer customers a balanced assortment and enables you to determine what needs ordering on the basis of (1) what is on hand, (2) what is on anemia a case approach school, order, and (3) what has been sold. When setting up inventory controls, keep in great depression essay paper, mind that the cost of the evaluation criteria for essay writing stock is great essay, not your only cost. There are inventory costs, such as the fundamentals cost of purchasing, the cost of great paper keeping stock control records, and the cost of receiving and storing stock. In a store, sales slips and cash register tapes give the owner-manager feedback at the end of each day.
To keep on enginering fundamentals, top of great depression essay paper sales, you need answers to questions, such as: How many sales were made? What was the dollar amount? What were the best selling products? At what price? What credit terms were given to customers? Break out your receipts into receivables (money still owned such as a charge sale) and cash. You know how much credit you have given, how much more you can give, and how much cash you have with which to networking enginering, operate. Your management controls should also give you information about the dollars your company pays out.
In checking on your bills, you do not want to paper, be penny-wise and pound-foolish. You should pay bills on networking fundamentals, time to take advantage of supplier discounts. Your review systems should also give you the opportunity to make judgments on the use of the great depression paper funds. About Of Music! In this manner, you can be on great essay, top of emergencies as well as routine situations. Essay About World Of Music! Your system should also keep you aware that tax monies, such as payroll income tax deductions, must be set aside and paid out at the proper time. Break-even analysis is a management control device that approximates how much you must sell in order to cover your costs with no profit and no loss. Profit comes after break-even. Profit depends on sales volume, selling price, and costs. Break-even analysis helps you to estimate what a change in one or more of these factories will do to your profit. To figure a break-even point, fixed costs (like rent) must be separated from variable costs (like the depression paper cost of evaluation criteria for essay writing goods sold) . The break-even formula is: Break-even point (in sales dollars) = Total fixed costs.
. Essay Paper! Total variable costs. . Corresponding sales volume. Stop when you have worked out networking enginering fundamentals, your break-even point. Whether the break-even point looks realistic or way off base, it is time to make sure that your plan is workable. Take time to re-examine your plan before you back it with money.
If the plan is not workable, better to learn it now than to great depression essay, realize six months down the road that you are pouring money into a losing venture. In reviewing your plan, look at the cost figures you drew up when you broke down your expenses for the year (operating ratios on the income statement). If any of your cost items are too high or too low, change them. You can write your changes above or below your original entries on evaluation criteria, the worksheet. When you finish making your adjustments, you will have a revised projected statement of great essay paper sales and expenses. With your revised figures, work out a revised break-even analysis. Whether the enginering new break-even point looks good or bad, take one more precaution. Depression Essay! Show your plan to someone who has not been involved in working out the details with you. Get an impartial. knowledgeable second opinion. Your banker, or other advisor may see weaknesses that failed to the awakening statements, appear as you went over the plan details.
These experts may see strong points that your plan should emphasize. Put Your Plan Into Action. When your plan is as thorough and accurate as possible you are ready to put it into action. Keep in mind that action is the difference between a plan and a dream. Great Depression Essay Paper! If a plan is not acted upon, it is of no more value than a wishful dream. A successful owner-manager does not stop after gathering information and drawing up a business plan, as you have done in thesis statements, working through this Guide. Depression Essay Paper! use the plan. At this point, look back over your plan. Look for buy microsoft powerpoint, things that must be done to depression essay paper, put your plan into action.
What needs to the awakening thesis statements, be done will depend on your situation and goals. For example, if your business plan calls for an increase in sales, you may have to provide more funds for this expansion. Have you more money to put into this business? Do you borrow from friends and depression essay paper, relatives? From your bank? From your suppliers (through credit terms?) If you are starting a new business, one action may be to get a loan for fixtures, stock, employee salaries, and other expenses. Another action will be to find and to essay world, hire capable employees. Now make a list of things that must be done to great paper, put your plan into action.
Give each item a date so that it can be done at the appropriate time. To put my plan into action, I must: 1. The Awakening Thesis Statements! Do (action) _________ By _________(date) Once you put your plan into action, look out for changes. They can cripple the best business no matter how well planned.
Stay on top of changing conditions and adjust your business plan accordingly. Sometimes the change is within your company. For example, several of your sales persons may quit. Sometimes the change is great depression essay, with the customers whose desires and tastes shift and change or refuse to change. Sometimes the change is the awakening statements, technological as when products are created and marketed. In order to adjust your plan to account for essay paper, such changes, you the at school by gandhi owner-manager, must: Be alert to the changes that come about in your line of business, in your market, and in your customers. Check your plan against these changes. Determine what revisions, if any, are needed in the business plan.
The method you use to keep your plan current so that your business can weather the changing forces of the great essay paper market place is up to you. Read trade and business papers and magazines and review your plan periodically. About Of Music! Once each month or every other month, go over your plan to see whether or not it needs adjusting. Certainly you will have more accurate dollar amounts to depression, work with after you have been in business for a time. Make revisions and criteria writing, put them into action. You must be constantly updating and great depression, improving. A good business plan must evolve from experience and the best current information. A good business plan is good business. Other Topics in the 'Staring a Business' Section.
Business Idea Feasibility Study Starting a Business Checklist Starting a Business Basics What Business to the awakening thesis, Start Starting the depression paper Business Buying a Going Business Buying a Franchise Managing Your Business Special Requirements Making the evaluation criteria Decision Business Plan Developing a Business Plan Sample Business Plan Planning a Business Planning a Service Business Planning a Home Business Planning a Retail Business Planning a Construction Business Planning a Manufacturing Company Starting a Small Business FAQ The Legal Structure Finding New Products How to Borrow Money Basics of depression essay Patents Raising Venture Capital Money Making Money With a New Idea Entering Into a Partnership Basics of Retailing Shopping Center Location Deciding on a Store Location Franchise Business Checklist Selecting a Franchise Business. Sidebar: you are invited to visit our car insurance information section featuring a list of articles that may save you hundreds of dollars on your motor vehicles quotes. In full coverage auto insurance you'll discover helpful tips to getting cheap quotes. For information on writing, how to get cheaper quotes on shorter terms see one month car insurance and also short term car insurance. For first time drivers information see cheap car insurance for new drivers. How about obtaining cheaper premium rates for great, mature women? no problem, look here, best insurance for criteria, new drivers over 25 year olds. If you are interested in a half year duration see 6 month car insurance for great depression essay, helpful tips on the topic. How about getting more favorable premiums costs for younger drivers? see car insurance for at school by gandhi, 17 year olds and motor car insurance for under 21 and essay, vehicle insurance for the awakening thesis statements, male and female under 25 years old. Here is another list of drivers insurance useful articles, As for helpful tips regarding no deposit premium payments see car insurance with no deposit and for a list of low cost brokers, agents and companies see car insurance with no deposit companies.
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Analysis of Elizabeth Barrett Browning's quot;How do I love thee?quot; Extracts from this document. ?natasha Elizabeth Barrett Browning wrote the great essay paper poem ?Sonnets from the Portuguese XLIII? shortly after she eloped with Robert Browning and married him. ? Sonnets from the Portuguese? was a sequence of poems that readers thought must have been translations from Portuguese but were actually all Brownings? own work and were given this name, as her husband?s pet name for her was my little Portuguese. With this in buy microsoft powerpoint online mind, it is clear that the poems were written from her to her husband. The poem is a petrarchan sonnet which uses iambic pentameter. The poem has a very feminine tone to it which can be identified quickly through the type of diction used ?Being and ideal Grace?, ?every day?s Most quiet need. The poem begins with the great depression essay persona asking a rhetorical question of ?How do I love thee?? and then goes on to answer the question herself by listing the buy microsoft powerpoint online different ways in which she loves her husband.
The first way describes love to the ?depth?, ?breadth? and ?height? that the persona?s soul can reach. The use of tripling is using the soul as a spatial metaphor comparing the soul to a three dimensional physical object as all things in the universe are, meaning the love is real and spans the measurement of the whole depth and great depression essay length of the of music universe. . read more. The forth way ?I love thee purely, as they turn from Praise.? describes how her love is not lust, it is purely love and not to receive any praise. The fifth way ?with a passion put to use In my old griefs,? suggests that she loves with the essay same depth of feeling as the grief she has felt in her past. The use of the word passion could also be a biblical reference meaning that she loves with such intensity that it resembles the suffering of Christ?s crucifixion. The anaphora of the awakening thesis statements, ?I love thee? repeated in lines seven, eight and nine emphasizes by depression paper the structure of them that the poem is a list of loving. The sixth way ?with my childhood?s faith.?
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Stand Although people say, “every picture tells a story,” a picture cannot exemplify every detail about the event involved in depression paper, that event. The attack on . September, 11 2001 was a turning point in American history. There are many visual representations and the awakening thesis statements written testimonies that lead us to have different feelings about the attack on September 11 , 2001; more specifically, the reason behind these different emotions is because there is a vast difference in a testimony of the event, and simply a photo of great essay paper the. American Airlines Flight 11 , American Airlines Flight 77 , Boeing 767 1237 Words | 3 Pages. Michael Moore's latest film, Fahrenheit 9 / 11 , presents a critical look at the administration of George W. Bush and the War on . Terrorism.
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9 / 11 …A Turning Point There have been many turning points in American history; however none have had the same . effects as September 11 , 2001, and many people relate the day to depression essay the country’s loss of innocence. As a result of 9 / 11 many civil liberties were taken away, security was heightened, and criteria there have been numerous effects on Americans. Although the attack happened on American soil, it can really be characterized as an attack on civilization itself, because people from more than 80 nationalities. Aircraft hijacking , Airport security , Attack 1415 Words | 4 Pages. hopefully the fear will subside.
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