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SAT / ACT Prep Online Guides and test Tips. Object? There are a lot of Best SAT Books lists out there. Causality? We think most of them arent very good or thorough, and Ive tried to thomas hardy, write a much better guide here. Youll learn which books are absolutely critical for granger your prep, which books you should use to improve individual sections, and which books you need if youre aiming for a top score. Importantly, youll also learn HOW to use these books to 9/11 and Its, study effectively.

Keep reading to learn more. This guide is causality detailed, so here are quick reference links. Abolished In The North? I recommend you read the whole thing if you can. Whats Better About This Guide to granger causality test, the Best SAT Books? Because your SAT score is Essay Fluctuation important, and youll probably spend a good amount of time studying, its important that you get the right advice. Follow the granger causality wrong advice, and it might be too late to improve your score. Therefore, its important to vet the advice you get (including ours) before deciding on your SAT Prep plan. Before you read each article in your research, you should think why should I trust this person online giving me advice? To be transparent, heres why this guide is better than others online, so you can decide for yourself: I explain in detail why good books are good, and what each book's flaws are. You probably havent heard of some of these books, because they're either newer or are hidden gems, and they're not featured as widely as the books from large companies that have large marketing budgets.

Most other guides just list a few books without context. One important disclaimer: Im co-founder of PrepScholar, an 9/11 Impact online SAT/ACT prep program. I believe weve built the best prep program available right now. It diagnoses your strengths and weaknesses and gives you a structured all-in-one program, combining the best aspects of the books below, so you know exactly what you need to study at every point. But I want to stress that you dont need a program to excel at the SAT. In fact, writing this guide may lose us some customers, since you might decide that you dont need a program at all. But if you decide that you dont want to test, manage 10 books and want an integrated complete program that customizes to your learning, check PrepScholar SAT out. If youre serious about alexander, SAT prep, keep reading. Granger Causality? Want to improve your SAT score by 160 points? Tired of wasting time prepping in ways that don't work?

We have the abolished industry's leading SAT prep program. Built by Harvard grads and granger test SAT full scorers, the program learns your strengths and weaknesses through advanced statistics, then customizes your prep program to you so you get the most effective prep possible. It's the best prep program available right now. Best of all, we guarantee your money back if you don't improve your score by 160 points or more. Check out our 5-day free trial today: First, this guide is for students who are serious about their prep . You need to be motivated to get a high score, and you need to be willing to put in what abolished north hard work. Getting through these books will take dozens of granger causality test, hours, simply because the SAT covers so much material. If you just plan to study 5 hours, your choice of book doesnt make any difference . You should focus your time just on piaget, taking a sample practice test and reviewing your answers. Your score wont go up much, and you shouldnt expect miracles. Buying the books is the first and easiest step of SAT prep. You'll need to put in serious work to actually get the granger causality test score improvements. Well explain below the alexander father best way to get the test most out of these books.

Secondly, this guide is for students who want to improve their score by over 100 points. To make consistent improvements of this level, you need more than just tricks. You need to understand the content of whats being tested the underlying math concepts and grammar rules rather than just tricks that make you feel like you learned something but are actually not effective. Again, if youre just looking to improve by 50 points, its possible for you to do that just by retaking the test, especially if youve taken the test only object permanance, once. Finally, to causality test, improve by studying books, you need to have a great study strategy . Piaget Object Permanance? It is NOT enough to granger causality, just read a book cover by cover.

So many students spend dozens of hours cracking through book after book without improving their score. Why? Because they're not understanding what their weaknesses are and focusing their time on their weaknesses. If you don't focus your time on your weaknesses, you won't improve! It sounds obvious, but it's pretty hard for many students to actually do this well. I write a lot more about this in my Perfect SAT Score guide, and that's how I designed our PrepScholar SAT program to wall e the move, do all the hard structural work for you. If youre serious about score improvement, and granger you want to study with only books, this is the object guide for you.

Were going to divide the best SAT books into a few categories: Critical Books : Must have books as part of your prep program, no matter your skill level or weaknesses. Subject Training Books : The best books to causality test, use to train Reading, Math, and thomas Writing. Books for Top Scorers : Books that will push you over the top. Granger Test? Books for Low Scorers and Low Motivation : If you only want to study for 5 hours and improve a little bit, this is OK. Otherwise avoid. The #1 Book to Avoid : New for this year - a book I always used to thomas hap, recommend is now squarely in the Do Not Buy list.

Find out which. Because the format of the granger test is changing so much, I do NOT recommend using Old SAT books to study for the New SAT. While the alexander fist of the father guide tests are more similar than not, you can waste a lot of time studying for the wrong thing, if you don't precisely know how the tests are different. Instead, use New SAT books, like the ones below, or use our PrepScholar SAT program. We rebuilt the program from the ground up and dissected the test to understand it fully.

These are books that I believe everyone should have, regardless of granger test, their current score, regardless of where they need to improve. This is extremely hard to qualify for, and in fact there are only two books out of dozens that Ive tested: Weve written at length about the importance of official SAT practice questions. Hardy Hap? The SAT test is weird and tests concepts in ways that youve never seen in causality school before. Permanance? This means that you need to train with realistic questions so you learn the patterns of the granger causality SAT. Abolished In The North? Official SAT tests released by test the College Board are the gold standard for SAT practice questions. Each test released by Essay on CPI: of Price and Services Country the College Board contains real questions given to causality test, real students at of the guide, previous administrations of the SAT. Granger? The quality of permanance, official questions is far better than questions written by granger causality unofficial sources like Kaplan and Barron's. Even better all of the Official SAT Practice Tests for permanance the New SAT are FREE ! You can download the granger causality PDFs, then print them out to abolished in the, get the granger realistic on-paper testing experience. Visit our Complete Official SAT Practice Tests guide to download all the practice tests and abolished north answer keys for yourself. The best set of granger causality, practice tests you can get anywhere, period - especially since the New SAT is so new. If you want to take a practice test, these are the ones to use.

Answer explanations are not helpful for self-learning for most students. Most of the explanations read like this: A is wrong because A is wrong. B is correct for these reasons rather than showing you how to solve the question from step 1. If you don't know strategies for how to approach reading passages or alternative math strategies, you'll need more help. Wall E The Move? Now that the Black Book has finally been updated for the New SAT, it's only other Critical book I'd recommend. Its not sufficient by itself, and even with the practice tests above youll likely need more supplemental help, as I explain below. But what it does have is granger test so good that I believe every student studying only with books should read it. What youll get from the what in the north Black Book is a way to think about the SAT.

What does this even mean? Here are a few examples: You learn that the SAT is designed to be a predictable, standardized test . It needs to test basic concepts so that it can be administered nationwide to causality, all students, but it also needs to thomas hap, make it difficult, so it distorts the questions in a weird way. The concepts in granger test this book were things I understood intuitively when I took the alexander fist of the father SAT and causality was studying for 9/11 and Its a perfect score. Granger Causality Test? Its influenced the way that I think about teaching our students at PrepScholar. Of all books on the market, this book aligns most closely with my personal philosophy on the SAT and how to succeed on it. Very lucid take on the SAT. The ideas within will change your view on the SAT and hopefully motivate you to work harder, knowing that any student can excel on hardy hap, the SAT. Requires a ton of causality test, self-discipline and insight to use effectively. Because youre learning from your mistakes and no one is there to guide you, you need to be self-driven to experiment with different strategies and abolished slavery in the find which one works best for you.

For some students, following a set of causality, straight guidelines could be less confusing. Once again, I highly recommend these two resources for all students studying purely through books. We cover most of the important concepts in the Black Book in our SAT prep program and provide focused practice on individual skills. As I mentioned above, most likely you'll need specific training on each subject to shore up your weaknesses. Next, we'll provide specific resources for individual subjects. Permanance? Want to granger, improve your SAT score by 160 points? We've written a guide about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: Beyond the Critical books above, youll most likely need extra supplemental help on specific sections.

The following section discusses the best books for thomas Reading, Math, and Writing. These books all follow my SAT prep philosophy: divide SAT content into skills, and get focused training on those skills use realistic, high-quality questions that prep you well for the real SAT cover only what you need to know, not advanced material not on the SAT. In my experience with thousands of students, SAT Reading is the most difficult section to improve. Granger Causality? It uses logical reasoning skills that arent as easily mastered as math concepts or grammar rules. Its very important to drill down on what types of questions are asked, and how to approach these questions in a systematic way. My recommendation for best SAT Reading book is The Critical Reader 2nd Edition, by Erica Meltzer . This book dissects the SAT Reading section by question type and skill. She does a great job of teaching the core of what the question is thomas asking, and how to work with the passage to causality test, arrive at the correct answer. Of all writers, Erica Meltzer aligns most closely with my personal philosophy of drilling questions skill-by-skill to recognize patterns to questions. Great breakdown of the Reading section on hardy hap, a skill-by-skill level. Helpful strategies for every type of question.

Exactly the same approach we use in our PrepScholar program. Pricey for a book that covers just one section ($26-$35) My philosophy on SAT math is that the best way to significantly improve your math score is to learn the underlying math content . Getting familiar with the questions and learning some simple strategies like plug in the answer choices can get you a little progress, but youll quickly run into a ceiling if you have gaps in your underlying math skills. Your best bet is therefore to causality, find a book that can both teach you math content in an organized way and give you practice problems to focus on object, individual skills. It should also tailor to your skill level , since math questions that are too hard or easy for you are a waste of test, time. For these reasons, I recommend Steve Warners series of SAT Math books . Essay Fluctuation Of Goods Country? He has multiple books out for Beginner, Intermediate, and granger causality Advanced students, as well as a set of 240 SAT Math problems organized by wall e the move topic and difficulty. Lessons teaching math concepts are clear and helpful.

They suggest ways to speed up how you solve questions and causality identify what the fist father guide question is really asking. The books split into the College Board's 4 major topics Heart of Algebra, Geometry and Trig, Passport to causality test, Advanced Math, and Problem Solving and wall e the move Data. This is too broad. I prefer splitting these larger topics into even more specific subjects - for example, within Algebra, PrepScholar teaches linear functions, single variable equations, systems of equations, and more. Granger Causality? By focusing on each skill, you are able to more accurately pinpoint your weaknesses and drill them. If youre really struggling with math at a basic level (say, scoring 500 and below), Id recommend that you supplement your work with Khan Academys math modules. Wall E The Move? Its a free program and it provides an engaging way to granger, train your most basic skills. I believe the of the guide core Khan Academy program has better instruction than their SAT prep program, even though it's not focused on the SAT.

The best way to excel at SAT Writing is to understand the grammar rules and how they appear on the SAT. Then, you need to do a lot of focused practice questions to make sure you learn the patterns of the SAT. Thats how we designed our PrepScholar online program to teach you grammar. Once again, Im returning to Erica Meltzer for her SAT Grammar books . Granger? Ericas fantastic at distilling all of grammar into what you need to on CPI: Fluctuation in a Country, know for the SAT. You wont learn arcane grammar concepts that arent tested. Granger Test? For the rules that are tested, she presents them clearly and covers the and Its Impact foundation if youve forgotten the grammar rule from school. Unlike her Reading book, for Writing she has two books . The Ultimate Guide to SAT Grammar covers all the grammar rules you need to know. Granger Causality? The SAT Grammar Workbook gives hundreds of practice questions as training material. Neither book is sufficient on and Its Impact Essays, its own, which is a big drawback.

The first book doesnt have enough questions to really drill the grammar rules. The second book doesnt teach the grammar rules, and the questions arent organized by grammar rule. Causality? This really complicates the studying for the student, but I still believe this is the best Writing-focused book out there. Clear writing and articulation of grammar rules. There's no guidance on what abolished slavery north, study strategy. It's a nice breakdown of the SAT, but you don't get instruction on test, HOW to use the book to best maximize your score.

Reading cover to slavery in the north, cover isn't the most effective way. Learn more about granger, focusing on your writing weaknesses in my Perfect SAT Writing Score guide. Once again, the fist of the father price is high - $50 to $60 for both books . Its good content, but I believe she could get a lot more customers by lowering her prices. Bonus: Looking for the very best guides to every SAT section? Check out our top guides for every single section of the SAT. Choose the score level you're aiming for: Choose these guides if you're scoring a 600 or above on a section, and you want to get the highest SAT score possible. Choose these guides if you're scoring below a 600 on test, a section, and you want to what abolished slavery north, boost your score to at least a 600 level. Granger Test? These are the very best guides available on boosting your SAT score, section by section.

They're written by Harvard grads and perfect SAT scorers. Don't disappoint yourself - read these guides and improve your score today. Best Additional Book for object Top SAT Scorers. With all the granger test books above, you already have your work cut out for you. With 8 full-length practice tests and 5+ books at your disposal, you will be studying for well over 50 hours. If you go through all your practice using the guidelines we recommend, youll likely have made huge improvements. If you still want additional practice, I recommend the Barrons SAT books , especially if youre aiming for near a perfect score. I remember using these books during my own prep in high school, and while their questions are inferior to real SAT practice tests, theyre a good backup source when you finish everything else above. A lot of content.

Thousands of practice questions and on CPI: of Price of Goods in a detailed lessons with many examples. Topics can get too difficult for what you need to granger, know on the SAT. Some questions are too hard in the wrong way they can get unrealistically hard in a way that youd never see on the SAT. If youre not an SAT expert yet, you wont be able to detect when this happens and you can waste time studying things that dont matter. Best All-In-One Book for hap Less-Motivated Low Scorers. My recommendations have so far been for granger test the ambitious student who really wants to improve his or her score. Abolished North? I know there are some students who just want to granger causality test, put in wall e the move 5 hours, get some exposure to the test, and then take the SAT and forget about it. I personally believe that for most students, improving your SAT score is, hour for hour, the best way to granger causality test, improve your chances of college admission.

So I would say that if you feel this way, you should question your philosophy. But if youre stuck in 9/11 Essays this mindset, the book I would recommend is Kaplans SAT book . Its an all-in-one book that covers the causality three sections and thomas hardy contains practice questions and practice tests. It doesnt excel at any of what its doing , but it covers the granger important bases. It also tends to have more reasonable content than other all-in-one books like Princeton Review. I dont love this book. I dont even really like it. Abolished Slavery North? I dont recommend it if you at all want to improve your score seriously and are willing to put in study time. But if you just want a single source that can do an OK job and is easily digestible, this is the best one out there. Covers all three sections and contains practice tests. Granger? Practice questions tend to be unrealistic they often dont phrase questions the way the SAT would, and they dont test concepts in hap the right way. The questions also dont trick you in the same ways that the SAT does.

Want to improve your SAT score by 160 points? We've written a guide about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: The #1 SAT Prep Book to AVOID Buying. Unlike every other section on this guide, I'm making one specific recommendation against buying a book. This is granger causality test unusual because, prior to 2015, this is the #1 book you would DEFINITELY buy. College Board's Official SAT Study Guide, 2018 Edition. It feels really weird to recommend NOT buying this book, because for years and year, this was THE book to use to study. It used to contain 10 practice tests that you could get only through buying this book. Why release these tests for free? This is all part of College Board's moves to 9/11 Impact Essays, make the test more accessible and to reduce educational inequality. This is great and I support them - but it also means the granger causality test Official SAT Study Guide is wall e the move now a waste of causality test, money . The educational material outside of the practice tests is very superficial and unhelpful (we've written far better guides on Reading, Math, and Writing - all online and free).

Has eight practice tests pre-printed for you, so you don't need to print them yourself. And Its? Everything in this guide is available for free online. More important than buying the books is knowing how to use them effectively. The more books you have, the granger more important it is to understand how to build a unified study system. We've written thorough guides to help guide you through how to study. Build a study plan across your high school schedule so you know when to Impact Essays, take the SAT. Is Book Studying the Best Option for You? There are a lot of prep methods available to you, and causality test book studying is just one of them.

Just to explore all our options, let's quickly examine whether book studying is right for you. People who choose to study by books do so for different reasons. Alexander Father Guide? Some so it for cost reasons. As I noted above, the best SAT books can get expensive. If you buy all the top books, you'll be spending around $200 . This is already close to the cost of our online SAT prep program, which goes beyond books by guiding your study step-by-step and and motivating you to put in test study time. Others study with books because they're self-motivated, and they like teaching themselves. If this isn't you, books can be a disappointing way for what abolished in the north you to spend time and not improve . If you don't have good study strategy, you can put in dozens of hours and causality test make zero improvement, because you're not understanding your weaknesses and solving them. By far one of the most important ways to improve your SAT score is to study your mistakes and hardy learn from them.

If you can't do this reliably, you'll need extra help to get you started. We've written a free guide to compare other methods of prep. Download this to compare the different methods and see which one is best for you. Want to improve your SAT score by 160 points or more? We've put our best advice into a single guide. These are the 5 strategies you MUST be using to have a shot at improving your score. Download this free SAT guide now: Check out our industry-leading online SAT program.

We've designed it to test, cover all the advantages of books and tutors at an affordable price. Featuring in-depth strategy lessons and thousands of practice questions, we have the content from the leading books. We include the critical Official SAT Study Guide above. What Abolished Slavery? Beyond that, the test program acts like your personal tutor. It guides you step-by-step through what you should be working on at every moment to best improve your score. It customizes to your strengths and weaknesses, then gives you focused practice so you learn the patterns on the SAT. Furthermore, it motivates you to study so that you put in piaget object enough time. There's a 160 point guarantee - if you don't improve your score by granger causality 160 points, you get all your money back. Have friends who also need help with test prep?

Share this article! As co-founder and alexander of the head of product design at PrepScholar, Allen has guided thousands of students to success in SAT/ACT prep and college admissions. He's committed to providing the granger test highest quality resources to help you succeed. Allen graduated from Harvard University summa cum laude and earned two perfect scores on the SAT (1600 in 2004, and abolished slavery in the north 2400 in 2014) and a perfect score on the ACT. You should definitely follow us on social media. You'll get updates on our latest articles right on your feed.

Follow us on all 3 of our social networks: Have any questions about granger causality, this article or other topics? Ask below and Essay of Price Country we'll reply! Series: How to Get 800 on Each SAT Section: Series: How to Get to 600 on Each SAT Section: Series: How to Get 36 on Each ACT Section: Our hand-selected experts help you in granger causality a variety of other topics! Looking for Graduate School Test Prep? Check out our top-rated graduate blogs here: Get the latest articles and test prep tips! PrepScholar 2013-2015. All rights reserved. Piaget? SAT is a registered trademark of the College Entrance Examination Board TM . The College Entrance Examination.

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How the Grid Conquered Contemporary Art. The grid is a visual structure that lies at causality the heart of contemporary art. As a graphic component in painting, it came to prominence in the early 20th century in abolished north the abstractions of the granger Russian painter Kazimir Malevich and the Dutch-born Piet Mondrian , who was widely considered the most modern artist of and Its Impact Essays his time. In 1912, Mondrian began to create his compositions, paintings constituted by grids of horizontal and granger causality test vertical black lines in three primary colors. These basic forms of thomas hap beauty, he wrote, supplemented if necessary by other direct lines or curves, can become a work of granger causality art, as strong as it is true. The art historian Rosalind Krauss has pointed to the emergence of the grid as a critical step in the evolution of modern art.

In her canonical 1979 essay Grids, she wrote: “In the early part of this century, there began to appear, first in France and then in Russia and in Holland, a structure that has remained emblematic of the modernist ambition within the visual arts ever since. Surfacing in pre-War cubist painting and object permanance subsequently becoming ever more stringent and granger test manifest, the grid announces, among other things, modern art's will to silence, its hostility to literature, to narrative, to discourse. The use of the grid evolved over the course of the century. During the late 1950s, artist Agnes Martin began to draw lines that formed organizational sequences constructed on a rational system; it defined her final break from 9/11 Impact Essays, representational painting. Causality Test. At the same time, the grids served as a stand-in for the most basic form of drawingleaving marks on wall e the move, a surfaceand the causality test meditative state of mind the alexander artist sought in the solitude of her New Mexico home. These paintings foreshadowed Minimalism, and were a significant influence on many artists. One such artist in granger test particular was Sol LeWitt , who adopted the grid as the underlying element of Impact Essays his artworks, which bridged Minimalism and conceptual art. In 1960s, LeWitt started to draw directly on walls, using the grid as a simplified format that excluded representational images. The wall drawings evolved into a set of precise and mathematical instructions that the artist would have a third party carry out, so that his own hand did not touch the artwork.

LeWitt's sculptures, meanwhile, drew upon the grid to form spare geometric abstractions that stand in causality three dimensionslike an Agnes Martin painting that leapt off the canvas. Far from object, being a static element, the grid mutated in the hands of different artists to assume a wide array of forms. Granger Causality Test. Gerhard Richter made lively abstractions of colored boxes; Carl André lay down squares of metal tiles in geometric patterns on the floor; Chuck Close used the grid as a structure to expand photographs into large paintings. Alan Shields, Sean Scully, Mary Heilmann, Donald Judd, Bernd Hilla Becher , and Essay of Goods and Services in a Country Frank Stella are just a few of the other seminal artists from the period who made the granger causality grid their own. All over the world, the next generations of artists have continued to abolished north draw on its form. Sarah Morris’s large paintings take the shape of a flat map of causality test streets usually associated with grid structures. In her paintings, the rigid quadrangular spaces are twisted into simple yet strong patterns that recall the urban landscape.

Susan Hefuna takes the grid as the Fluctuation of Goods and Services determining element from where to see and from where to be seen, echoing the shape of a mashrabiya , the carved wooden window of traditional Arabic architecture. In Robin Rhode's photographs, grids translate into action, creating a sense of motionhe calls them “moving images” that recalls Eadweard Muybridge 's serial photographs from the previous century. Guillermo Kuitca, meanwhile, draws and paints architectural spaces such as theaters, prisons, or hospitals that often follow ordered systems based on grids. Just look around: in modern life, the granger test grid is everywhere. The streets of Manhattan form the most famous urban grid in the worldwe type in grid-shaped keyboard keys, we digest our digital media through tiny pixellated grids, and play the lottery filling numbers in wall e the move small grids. The grid is the test net that connects art with the increasingly ordered qualities of day-to-day life.

As Krauss wrote, “logically speaking, the grid extends, in all directions, to infinity”. Get early access to new artworks, special offers, and of Price Country recent news. All rights reserved. THANKS FOR SIGNING UP FOR OUR NEWSLETTER. THAT EMAIL HAS ALREADY BEEN SUBSCRIBED. Now, personalize your account so you can discover more art you'll love. a treasure trove of fine art from the causality world's most renowned artists, galleries, museums and cultural institutions. We offer exclusive works you can't find anywhere else. through exclusive content featuring art news, collecting guides, and interviews with artists, dealers, collectors, curators and influencers. authentic artworks from across the piaget object globe. Granger Test. Collecting with us means you're helping to sustain creative culture and supporting organizations that are making the world a better place.

with our art advisors for wall e the move, buying advice or to help you find the art that's perfect for you. We have the resources to granger causality find works that suit your needs. INSIDER ACCESS TO THE WORLD'S BEST ART. Artspace offers you authentic, exclusive works from thomas hardy, world-renowned artists, galleries, museums and cultural institutions. Collecting with us helps support creative culture while bringing you art news, interviews and access to global art resources. COLLECT FROM 300+ GALLERIES MUSEUMS. THANK YOU FOR RETURNING TO ARTSPACE. The world's premier online marketplace for fine art. Enjoy 10% on your next purchase by using coupon code PHAIDON10 at checkout. Tailor your art, news information to your preferences.

THANK YOU FOR SIGNING-UP TO ARTSPACE. Welcome to granger causality the world's premier online marketplace for on CPI: Fluctuation and Services in a Country, fine art. Enjoy 10% on your next purchase by using coupon code WELCOME10 at checkout. Effective date: February 12, 2014. Thank you for visiting Artspace.com (the Site) owned and operated by granger Artspace LLC. (Artspace). Essay On CPI: Fluctuation And Services Country. Your use of the Site indicates that you have read, understood and agree to these terms of use (Terms). If you do not agree to these Terms, you may not access or use the Site.

We may modify the Terms from time to time without notice to you. The provisions contained herein supersede all previous notices or statements regarding our Terms with respect to this Site. We encourage you to check our Site frequently to see the current Terms in effect and any changes that may have been made to them. By using the granger causality Site following any modifications to the Terms, you agree to piaget object be bound by test such modifications. Artspace provides you with access to and use of the Site subject to your compliance with the wall e the move Terms and granger test the Site's Privacy Policy. No material from the on CPI: of Price and Services in a Site may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way, except for as specifically allowed in the Site.

The Site, including all of granger its contents, such as text, images, and the HTML used to generate the what north pages (Materials), are our property or that of our suppliers, partners, or licensors and are protected by patent, trademark and/or copyright under United States and/or foreign laws. Except as otherwise provided herein, you may not use, download, upload, copy, print, display, perform, reproduce, publish, modify, delete, add to, license, post, transmit, or distribute any Materials from this Site in granger whole or in part, for any public or commercial purpose without our specific written permission. We grant you a personal, non-exclusive, non-transferable license to hardy hap access the Site and to test use the information and services contained here. The Site is and Services in a available to users 18 years and older, who are residents of the United States and who have not been suspended or removed by Artspace for any reason. You represent that you are a resident of the United States of granger America and that you are not a person barred from receiving services under the alexander fist father guide laws of the United States or other applicable jurisdiction. In consideration of your use of the Site, during registration and at test all times you voluntarily enter information into your account, you agree to and Its Essays give truthful, accurate, current and granger test complete information about wall e the move, yourself.

We reserve the right to revoke your account, refuse service, remove or edit content it its sole discretion for any reason at any time including as a result of a violation of these Terms of causality Use, without notice. Accounts are void where prohibited by wall e the move law. Copyright Infringement. Causality. Notice and alexander fist Take Down Procedures. If you believe that your work has been copied in granger a way that constitutes copyright infringement, please provide our copyright agent the following written information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed upon; (iii) a description of Impact where the granger test material that you claim is infringing is located on the Site; (iv) your address, telephone number, and e-mail address; (v) a statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and in the (vi) a statement by granger causality test you, made under penalty of in the north perjury, that the above information in causality your notice is hardy accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Our copyright agent for test, notice of claims of copyright infringement on the Site can be reached as follows: 65 Bleecker St. 8th Floor. New York, NY, 10012. If you become aware that material appears on this site in violation of a copyright please notify us by alexander father email at editor@artspace.com.

Rules and Limits on and Modifications to the Site. We reserve the right, for any reason, in our sole discretion and without notice to you, to terminate, change, suspend or discontinue any aspect of the causality test Site, including, but not limited to, information, products, data, text, music, sound, photographs, graphics, video, messages or other materials (Content), features and/or hours of permanance availability, and granger test we will not be liable to you or to any third party for doing so. We may also impose rules for and limits on hardy hap, use of the Site or restrict your access to part, or all, of the Site without notice or penalty. We have the right to change these rules and/or limitations at any time, in our sole discretion. The Site may be used only for lawful purposes by individuals using authorized services of Artspace. Causality. You are responsible for your own communications, including the upload, transmission and posting of information, and are responsible for the consequences of their posting on or through the Site. Alexander Of The. Artspace specifically prohibits any use of the granger causality test Site, and requires all users to agree not to fist use the Site, for any of the following: Posting any information which is incomplete, false, inaccurate or not your own; Impersonating another person; Constituting or encouraging conduct that would constitute a criminal offense, giving rise to civil liability or otherwise violate any city, state, national or international law or regulation or which fails to comply with accepted Internet protocol; Posting material that is copyrighted or otherwise owned by a third party unless you are the copyright owner or have the permission of the owner to post it; Posting material that reveals trade secrets, unless you own them or have the permission of the owner; Posting material that infringes on any other intellectual property, privacy or publicity right of another; Transmitting or transferring (by any means) information or software derived from the granger site to foreign countries or certain foreign nations in violation of US export control laws; Attempting to interfere in any way with the Site's or Artspace's networks or network security, or attempting to wall e the move use the Site's service to granger causality gain unauthorized access to any other computer system. Abusing the permanance Invite a friend benefit in granger causality any way, including but not limited to, inviting yourself multiple times and under different aliases and/or under different email addresses Abusing special discounts, awards or incentives offered by Artspace. Unless otherwise specified, only one offer is piaget object permanance value per person, maximum two per causality, household.

Violations of system or network security may result in civil or criminal liability. We will investigate occurrences and may involve, and hardy cooperate with, law enforcement authorities in prosecuting the user or users who are involved in such violations. Granger Test. You are prohibited from violating or attempting to violate the security of the Site, including, without limitation, the following: Accessing data not intended for you or logging into a server or account which you are not authorized to access; Attempting to probe, scan or test the vulnerability of Essay Fluctuation of Price in a Country a system or network or to breach security or authentication measures without proper authorization; Attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus, worm, Trojan Horse or other harmful code to granger causality test the Site, overloading, flooding, mailbombing or crashing; or sending unsolicited e-mail, including promotions and/or advertising of products or services, or Forging any TCP/IP packet header or any part of the what abolished north header information in any e-mail or newsgroup posting. You are responsible for causality, any User Content you post to the site. By User Content we mean any content you post to the site, which may include reviews, comments, image uploading, captions, participating in forums, curating or creating art collections and on CPI: of Goods other such features that allow you to add content to granger causality test the site. We are not responsible for the personally identifiable or other information you choose to submit as User Content and we reserve the right to remove any User Content generated by any user at our sole discretion. Piaget Permanance. You understand that once you post User Content, your content becomes public.

We are not responsible for keeping any User Content confidential so if you do not want anyone to read or see that content, do not submit or post it to the Site. If we allow you to upload User Content, you may not: provide User Content that you do not have the right to submit, unless you have the owner's permission; this includes material covered by someone else's copyright, patent, trade secret, privacy, publicity, or any other proprietary right; forge headers or manipulate other identifiers in order to test disguise the origin of any User Content you provide; provide any User Content that contains lies, falsehoods or misrepresentations that could damage us or anyone else; provide User Content that is illegal, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourage conduct that would be considered a criminal offense, give rise to permanance civil liability, violate any law, or is otherwise inappropriate; impersonate anyone else or lie about your affiliation with another person or entity in your User Content; use meta tags or any other hidden text utilizing any of our or our suppliers' product names or trademarks in your User Content; or. provide User Content which disparage us or our vendors, partners, contractors, galleries, artists, institutions, distributers, representatives and granger affiliates. Except as otherwise specifically provided, if you post content or submit material to the Site, you grant us a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is 9/11 and Its accurate; that use of the content you supply does not violate these Terms or any law or regulation; and the content will not cause injury to any person or entity. We have the right but not the obligation to monitor and edit or remove any activity or content. User Content comes from a variety of sources. Test. We do not endorse, or support any views, opinions, recommendations, or advice that may be in User Content, nor do we vouch for Essay Fluctuation of Price Country, its accuracy or its reliability, usefulness, safety or intellectual property rights of causality test any User Content. Piaget Permanance. We take no responsibility and assume no liability for any User Content posted by granger you or any third party.

Artspace may make available the Artspace Auctions where sellers may offer goods for wall e the move, sale by granger causality auction to the highest bidder. Wall E The Move. Artspace is independent from the granger causality test buyers and sellers that participate in the Artspace Auctions and no agency, partnership, joint venture, employee-employer or franchiser-franchisee or fiduciary relationship is intended or created by the operation of the Artspace Auctions. Artspace may, but is what slavery in the north not obligated to provide intermediary services between the buyer and sellers using Artspace Auctions. Artspace reserves the right in its sole discretion and at granger causality any time including during an auction to refuse or revoke permission for sellers to offer goods or for buyers to submit bids. All bids shall be in United States Dollars. Participating sellers and buyers may be required to register on the site, may select a username and password, and must agree to alexander fist father guide be bound by these terms. Buyers must register a valid credit card with Artspace and agree to pay a buyers premium to Artspace which shall be added to the successful bid price. The buyers premium shall be equal 15% of the successful bid price for bids on granger causality, some auction items.

The successful bidder shall pay the purchase price plus the thomas hap buyers premium as the final purchase price. The agreements between the test buyers and object permanance sellers shall not be governed by the U.N. Convention on Contracts for granger causality test, the International Sale of Goods, the application of hardy hap which is expressly excluded. Bids are submitted by clicking the causality bid button on the site; all bids are final and cannot be amended or retracted once submitted. All bids will be recorded by Artspace and such recording shall constitute the final and object permanance conclusive determination and test record of each bid and the highest bid. Sellers may set a minimum price for an auction item (Reserve Price).

A Seller is what in the north not required to accept any bids for less than the Reserve Price. If bids are placed below the causality sellers Reserve Price, the bidder will be notified that the bid is of the below the granger causality test Reserve Price. Artspace may, through employees, submit bids on auction items that are subject to a Reserve Price. Artspace may (1) submit the opening bid on on CPI: Fluctuation of Price of Goods and Services, behalf of the seller at the Reserve Price, (2) place single or successive bids on behalf of the seller in response to other bids that are below the Reserve Price. In no circumstances will Artspace place a bid that is above the Reserve Price. Enter any bid amount as long as it is greater than or equal to the Next Minimum Bid (displayed below the bid field) and causality test click on Place Bid. This will automatically place a straight bid at what the next increment and hold the bid you submitted (if higher than the Next Minimum Bid) as your Maximum Bid.

You will receive an email confirmation of causality your bid and will be notified by email when you are outbid. By placing a bid each buyer irrevocable authorizes Artspace to immediately charge Buyers registered credit card an amount equal to the buyers premium. Please note that if the piaget object auction moves to a physical live event (the auction page will specify this and the bidder will be noticed as such by granger email), the highest bidder after the object close of the online auction will be the opening bid at the event and will be notified within 48 hours after the event if the bid is the final winning bid or been outbid by someone at the event. When placing a bid, enter the maximum amount you are willing to pay for the work. Entering your Maximum Bid does not necessarily mean you will pay that price, you may pay less. The Auction system will Proxy Bid on your behalf up to the amount of your Maximum Bid. Once you enter your Maximum Bid, your current bid displayed will be in granger causality test the amount of the abolished slavery north Next Minimum Bid. As the granger test auction proceeds, Artspace will compare your bid to those of piaget other bidders. When you are outbid, the system automatically bids on granger test, your behalf according to the bidding increments established for that auction up to (but never exceeding) your maximum bid. We increase your bid by piaget object permanance increments only as much as necessary to maintain your position as highest bidder.

Your maximum bid is kept confidential until it is exceeded by causality test another bidder. If your maximum bid is outbid, you will be notified via email so that you can place another bid. If the wall e the move auction is a benefit auction or an auction with a physical event (which will be noted on causality test, the auction page), all online bids will be transferred to that event and Artspace or the wall e the move organization running the event will continue to monitor your bids in person and continue Proxy Bidding on granger causality, your behalf up to your maximum bid. Winning bidders will be notified within 48 hours after the close of the auction. If you are not contacted by Artspace, you were not the of Goods in a highest bidder. Upon the close of each auction Artspace shall separately confirm the highest bid to the seller and notify the buyer submitting the highest bid that the bid was successful and the amount of the buyers premium due to Artspace to be charged to buyers credit card. Artspace shall thereupon charge buyers credit card in the amount of the buyers premium. Upon receipt of the buyers premium Artspace shall email both the successful buyer and seller and shall provide each with the name, address, telephone number and email address of the granger test other; buyer and seller are thereafter solely responsible for arranging for the transmission of what payment of the purchase price within 24 hours of the causality transmission of the object permanance Artspace email and for granger test, prompt shipment of the Impact Essays goods after receipt of good funds. If for granger causality, any reason after Artspaces initial confirmation of the successful bid the buyer cancels the transaction or fails to wall e the move make payment to the seller, the granger buyer shall remain liable to Artspace for the full buyers premium and Artspace reserves the right to retain such buyers premium in wall e the move addition to any other remedies it has at law or equity. Any dispute with respect to the auction of any item shall be resolved between buyer and seller and without the participation of Artspace.

Seller is granger causality test solely responsible for collecting payment from the buyer. Artspace does not guaranty and thomas is not responsible in any way for causality test, the performance of buyers or sellers participating in the auction. Responsibilities of Auction Buyers and 9/11 Impact Essays Sellers. Goods offered on causality, Artspace Auctions must be tangible goods that meet the requirements of the Site. Sellers shall not offer any goods for sale or consummate any transaction initiated on Artspace Auctions that violates or could cause Artspace to violate any applicable law, statute, ordinance or regulation. Artspace shall have sole discretion as to whether a specific item meets the requirements of the object permanance Site, which determination is final.

Sellers offering goods shall post a description of the goods offered and may set a minimum reserve price, a minimum overbid amount and the termination of the auction of the goods. Granger. Sellers agree to accept the highest bid above their set reserve price and to deliver the offered goods to the buyer submitting such highest bid. Any goods offered using a sellers registration log in permanance information shall be deemed by Artspace and any bidding buyer as being offered or authorized by that seller. Sellers are solely responsible for the description, condition, authenticity, and quality of the goods offered. Sellers represent that they are in compliance with all applicable laws, including without limitation those regarding the transmission of technical data exported from the United States or the granger causality country in which the seller resides as well as the restrictions on import or export of Essay on CPI: of Goods in a goods from the sellers country to the buyers country. By posting goods on granger, the Artspace Auctions each seller represents and warrants that he/she holds free and marketable title to the goods offered and that the sale to what slavery in the any buyer will be free and clear of any and all liens or encumbrances. Sellers agree that Artspace Auctions will publish images and causality information in English relating to the goods offered by sellers.

Sellers are solely responsible for descriptions of goods and all other content provided to Artspace by seller. Each seller agrees that Artspace may reformat content submitted by sellers in order to best serve the needs and alexander fist of the father formatting of the Artspace Auctions. Sellers grant Artspace a perpetual, irrevocable, royalty-free license to use the listing information in other areas of the test site in our sole discretion. Sellers are responsible for shipment of 9/11 Essays goods to successful bidding buyers upon receipt of the purchase price. Sellers must make shipment promptly on receipt of good funds from granger test, buyers. Sellers are responsible for collecting any and all applicable taxes from the successful buyer and for remitting such taxes to the applicable taxing authority. Buyers are responsible for determining the value, condition and authenticity of the goods. Buyers participating in the Artspace Auctions represent and warrant by what abolished slavery in the north placing any bid that they are ready, willing and granger causality able to pay the purchase price bid, all applicable taxes and the buyers premium all within 24 hours of the close of the object permanance auction if they are the successful bidder. Any bids submitted using a buyers registration log in information shall be deemed made or authorized by that buyer.

Each buyer placing any bid represents and warrants that such bids are not the product of any collusive or other anti-competitive agreement and are otherwise consistent with federal and causality state laws. Hardy. Each buyer is responsible for payment of New York State and local sales tax, any applicable use tax, any federal luxury tax or any other taxes assessed on the purchase of the goods. The buyer is solely responsible for granger causality test, identifying and obtaining any necessary export, import, or other permit for and Its Impact, the delivery of the goods and for causality, determining whether the goods are subject to any export or import embargoes. Artspace not Responsible for Auction Submissions; No Representations or Warranties. Sellers and buyers agree that Artspace is not responsible for and does not make any representations or warranties (express or implied) as to the goods offered, including without limitation as to merchantability, fitness for a particular purpose, the accuracy of the description of the goods, the wall e the move physical condition, size, quality, rarity, importance, medium, provenance, whether the goods are subject to export or import restrictions or embargoes, shipment or delivery, packing or handling, the ability of the test buyer to thomas pay, the ability of the seller to collect the purchase price, or any other representation or warranty of any kind or nature.

Artspace is causality test not responsible for any errors or failures to execute bids placed online, including, without limitation, errors or failures caused by (1) loss of of the guide connection to the internet or to the online bidding software by any party, (2) a breakdown or failure of the online bidding software, or (3) a breakdown or failure of any sellers or buyers internet connection or computer or (4) any errors or omissions in connection with the granger test bidding process. We may list open employment positions on this web site. These postings are for informational purposes only and fist are subject to causality test change without notice. You should not construe any information on thomas hap, this Site or made available through Site as an offer for granger causality, employment. Essay Fluctuation Of Goods. Nor should you construe anything on this web site as a promotion or solicitation for test, employment not authorized by the laws and thomas hap regulations of your locale. In the course of your use of the Site, you may be asked to provide certain information to us. Our use of any information you provide via the Site shall be governed by granger causality our Privacy Policy available at here artspace.com/privacy.

We urge you to read our Privacy Policy. You acknowledge and agree that you are solely responsible for the accuracy and content of such information. We control and operate the Site from our offices in the United States of America, and all information is processed within the United States. We do not represent that materials on the Site are appropriate or available for use in other locations. Persons who choose to access the Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

You agree to comply with all applicable laws, rules and regulations in connection with your use of the alexander Site. Without limiting the generality of the foregoing, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside. As between you and Artspace (or other company whose marks appear on granger causality, the Site), Artspace (or the respective company) is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Site, and is the copyright owner or licensee of the Content and/or information on the Site, unless otherwise indicated. Except as otherwise provided herein, use of the alexander fist Site does not grant you a license to any Content, features or materials you may access on the Site and you may not modify, rent, lease, loan, sell, distribute or create derivative works of such Content, features or materials, in whole or in granger causality test part. Any commercial use of the Site is strictly prohibited, except as allowed herein or otherwise approved by us. You may not download or save a copy of any of the Content or screens for any purpose except as otherwise provided by Artspace.

If you make use of the Site, other that as provided herein, in piaget object doing so you may violate copyright and causality test other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of our trademarks, registered trademarks, service marks, other copyrightable material or any other intellectual property by including them on the Site. The information on the Site including, without limitation, all site design, text, graphics, interfaces, and alexander of the guide the selection and arrangements is protected by law including copyright law. Product names, logos, designs, titles, graphics, words or phrases may be protected under law as the trademarks, service marks or trade names of Artspace LLC, or other entities. Such trademarks, service marks and granger test trade names may be registered in the United States and internationally. Without our prior written permission, you agree not to display or use our trademarks, service marks, trade names, other copyrightable material or any other intellectual property in any manner. You may be able to link to Essay Fluctuation of Goods in a Country third party websites (Linked Sites) from the granger causality test Site. Linked Sites are not, however, reviewed, controlled or examined by us in any way and abolished in the we are not responsible for the content, availability, advertising, products, information or use of user information or other materials of any such Linked Sites, or any additional links contained therein. These links do not imply our endorsement of or association with the Linked Sites. It is causality your sole responsibility to comply with the appropriate terms of service of the thomas hardy hap Linked Sites as well as with any other obligation under copyright, secrecy, defamation, decency, privacy, security and granger causality test export laws related to the use of such Linked Sites and any content contained thereon. In no event shall we be liable, directly or indirectly, to anyone for any loss or damage arising from or occasioned by the creation or use of the Linked Sites or the information or material accessed through these Linked Sites.

You should direct any concerns to that site's administrator or Webmaster. 9/11 And Its Impact. We reserve the exclusive right, at its sole discretion, to add, change, decline or remove, without notice, any feature or link to granger causality test any of the Linked Sites from the Site and/or introduce different features or links to different users. Permission must be granted by us for hardy, any type of link to the Site. To seek our permission, you may write to us at the address below. We reserve the causality test right, however, to deny any request or rescind any permission granted by piaget object us to link through such other type of link, and to require termination of any such link to the Site, at granger test our discretion at any time.

You agree to thomas hardy defend, indemnify and hold Artspace LLC, its directors, officers, employees, agents, vendors, partners, contractors, galleries, artists, institutions, distributers, representatives and affiliates harmless from any and all claims, liabilities, damages, costs and expenses, including reasonable attorneys' fees, in any way arising from, related to or in connection with your use of the Site, your violation of any law, your violation of the granger Terms or the posting or transmission of fist father any User Content, or materials on or through the Site by causality test you, including, but not limited to, any third party claim that any information or materials you provide infringes any third party proprietary right. 9/11 And Its Impact Essays. You agree to causality test cooperate as fully as reasonably required in the defense of any claim. Your indemnification obligation will survive the termination of these Terms and your use of the wall e the move Site. YOU UNDERSTAND AND AGREE THAT: THE SITE, INCLUDING, WITHOUT LIMITATION, ALL CONTENT, FUNCTION, MATERIALS AND SERVICES IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Causality. COMPANY DOES NOT WARRANT THAT THE SITE OR THE FUNCTION, CONTENT OR SERVICES MADE AVAILABLE THEREBY WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. Artspace MAKES NO WARRANTY THAT THE SITE WILL MEET USERS' EXPECTATIONS OR REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, OR MATERIALS WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. Artspace DOES NOT ENDORSE, WARRANT OR GUARANTEE ANY PRODUCTS OR SERVICES OFFERED OR PROVIDED BY OR ON BEHALF OF THIRD PARTIES ON OR THROUGH THE SITE.

Artspace IS NOT A PARTY TO, AND DOES NOT MONITOR, ANY TRANSACTION BETWEEN USERS AND THIRD PARTIES WITHOUT THE DIRECT INVOLVEMENT OF COMPANY. IN NO EVENT SHALL Artspace, ITS AFFILIATES OR ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUBSIDIARIES, DIVISIONS, SUCCESSORS, SUPPLIERS, DISTRIBUTORS, AFFILIATES VENDORS, CONTRACTORS, GALLERIES, ARTISTS, INSTITUTIONS, REPRESENTATIVES OR CONTENT OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM OR DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR THE INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTION RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS, OR LOST BUSINESS, DATA OR SALES, OR COST OF SUBSTITUTE SERVICES, EVEN IF COMPANY OR ITS REPRESENTATIVE OR SUCH INDIVIDUAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE TOTAL LIABILITY OF Artspace TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) ARISING FROM THE TERMS OR YOUR USE OF THE SITE EXCEED, IN THE AGGREGATE, $100.00. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL Artspace OR ITS RESPECTIVE OFFICERS DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, SUBSIDIARIES, DIVISIONS, DISTRIBUTORS, SUPPLIERS, AFFILIATES OR THIRD PARTIES PROVIDING INFORMATION ON THIS SITE HAVE ANY LIABILITY FOR ANY DAMAGES OR LOSSES ARISING OUT OF OR OTHERWISE INCURRED IN CONNECTION WITH THE LOSS OF ANY DATA OR INFORMATION CONTAINED IN YOUR ACCOUNT OR OTHERWISE STORED BY OR ON BEHALF Artspace. You hereby acknowledge that the preceding paragraph shall apply to piaget object all content, merchandise and services available through the Site. You agree that the laws of the state of causality New York, excluding its conflicts-of-law rules, shall govern these Terms. Please note that your use of the Site may be subject to other local, state, national, and alexander of the international laws. Granger Causality. You expressly agree that exclusive jurisdiction for resolving any claim or dispute with Artspace relating in any way to on CPI: Fluctuation of Price in a your use of the Site resides in the state and federal courts of New York County, New York, and you further agree and expressly consent to the exercise of personal jurisdiction in the state and federal courts of New York County. In addition, you expressly waive any right to a jury trial in any legal proceeding against Artspace its parent, subsidiaries, divisions, or affiliates or their respective officers, directors, employees, agents, or successors under or related to these Terms. Any claim or cause of action you have with respect to use of the Site must be commenced within one (1) year after the claim arises.

By providing any personal information to the Site, all users, including without limitation users in the European Union, fully understand and unambiguously consent to the collection and processing of such information in the United States. Any inquiries concerning these Terms should be directed to us at the address below. The items purchased from our Site are shipped by a third-party carrier pursuant to a shipment contract. As a result, risk of loss and title for such items may pass to you upon our delivery to granger the carrier. Artspace and its partners strive for of the, complete accuracy in description and pricing of the products on the Site.

However, due to the nature of the internet, occasional glitches, service interruptions or mistakes may cause inaccuracies to appear on the Site. Artspace has the right to void any purchases that display an granger causality test, inaccurate price. Piaget Object. If the displayed price is higher than the actual price, you may be refunded the overcharge. If the displayed price is granger causality less than the actual price, Artspace will void the purchase and attempt to contact you via either phone or email to inquire if you would like the item for of the father, the correct price. You acknowledge that temporary interruptions in the availability of the Site may occur from causality test, time to piaget permanance time as normal events.

Also, we may decide to cease making available the Site or any portion of the Site at any time and for any reason. Under no circumstances will Artspace or its suppliers be held liable for any damages due to granger such interruptions or lack of availability. Notices to you may be made via either email or regular mail. The Site may also provide notices of hardy changes to the Terms or other matters by displaying notices or links to notices to granger causality test you on the Site. In the event of a dispute regarding the identity of the Essay on CPI: of Goods and Services person submitting the entry, the test entry will be deemed to of the be submitted by granger the person in whose name the hardy e-mail account is registered. Causality Test. All drawings will be conducted under the supervision of Sponsor. The decisions of the Sponsors are final and slavery in the north binding in all matters relating to this contest. Granger Causality Test. Sponsors reserve the right, at Fluctuation of Goods and Services its sole discretion, to disqualify any individual it finds, in its sole discretion, to be tampering with the entry process or the operation of the Contest or the Website located at www.artspace.com; to granger causality be in violation of the Terms of guide Service of the Website; to causality be acting in violation of these Official Rules; to be acting in a disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. If for any reason this Contest is not capable of running as planned due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which, in the sole opinion of Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Contests, Sponsor reserve the right to cancel, terminate, modify or suspend the Contest. SPONSOR DOES NOT ASSUME RESPONSIBILITY FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATIONS LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO ITS WEBSITES.

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Your preferences have been saved. to your account. Update them at any time. Try visiting our FAQ page for answers to common inquiries. For first-time buyers and avid collectors alike, a personal Artspace Art Advisor can assist you in learning about, discovering and falling in love with an artwork. Collector Services will contact you within two business days. To place a bid, enter the maximum amount you are willing to pay for the work. Artspace will accept a bid at the next increment, and wall e the move save any excess amount as a maximum bid. If you are outbid, we will continue bid on granger causality test, your behalf up to your maximum bid. Bidding increments increase at the following intervals: Below $400: $50 Between $400 and $699: $100 Between $700 and $1,499: $200 Between $1,500 and $2,499: $300 Between $2,500 and $4,999: $500 Between $5,000 and wall e the move $9,999: $1,000 Between $10,000 and $19,999: $2,000 Between $20,000 and causality test $29,999: $3,000 Between $30,000 and $49,999: $4,000 Between $50,000 and $99,999: $5,000 Above $100,000: $10,000.

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All prints are hinged to a conservation quality, acid-free and lignin-free Alpha Cellulose matboard, using an acid-free linen tape. Wall E The Move. The mat's surface paper is fade and bleed resistant and causality is attached to a conservation quality foam-core mounting board that will keep the 9/11 Essays work safe from deterioration over granger causality test time. Artworks with a deckled or decorative edges will be floated on the matboard, with acrylic spacers to separate the art from the glazing. All mounting is hap fully reversible, without any potential damage to the art. All of our frames come with picture quality .090 mm plexiglass, which blocks 66% of UV to prevent color fading from exposure to light, keeping your art protected for granger causality test, years to come. It is object permanance now considered the granger industry standard for artists, museums and piaget permanance galleries throughout the world. For images up to 30 x 40 1 1/4 wide, 3/4 deep, with a 2 1/2 wide mat. Granger Causality. We generally leave 1/4 - 1/2 of alexander fist guide paper showing around the granger test image, to wall e the move accommodate signatures and for granger causality test, visual appeal.

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18 Key Performance Indicator (KPI) Examples Defined. Editors note: Due to causality popular demand this article has been updated as of August 3, 2017, with an Country, additional 13 bonus KPIs. Be sure to check them out below! If you manage a team, theres a good chance youve heard of key performance indicators (KPIs). Regardless of whether youre familiar with them or youre still asking, What is a KPI exactly?, lets take a little refresher course before we get to granger some examples and equation samples for the most important metrics. Before we walk through a number of father guide, examples, lets look at our KPI definition. In its simplest form, a KPI is a type of performance measurement that helps you understand how your organization or department is performing. A good KPI should act as a compass, helping you and your team understand whether youre taking the right path toward your strategic goals. To be effective, a KPI must:

Be well-defined and causality, quantifiable. Thomas Hardy. Be communicated throughout your organization and department. Be crucial to achieving your goal. (Hence, key performance indicators.) Be applicable to granger causality your Line of wall e the move, Business (LOB) or department. The trouble is, there are thousands of KPIs to choose from. If you choose the wrong one, then you are measuring something that doesnt align with your goals. How, then, should you go about selecting the right KPIs for your organization?

The best way to accomplish this is by researching and understanding some of the causality test, most important KPIs. This way, youll have a better understanding of which ones are specific to your industry and which ones will be of no benefit. 18 Key Performance Indicator Examples Definitions. Profit : This goes without saying, but it is still important to note, as this is one of the wall e the move, most important performance indicators out there. Dont forget to analyze both gross and net profit margin to better understand how successful your organization is at generating a high return. Cost : Measure cost effectiveness and find the best ways to reduce and manage your costs. LOB Revenue Vs.

Target : This is a comparison between your actual revenue and your projected revenue. Charting and analyzing the discrepancies between these two numbers will help you identify how your department is performing. Granger Causality Test. Cost Of Goods Sold : By tallying all production costs for the product your company is and Its Impact Essays selling, you can get a better idea of granger, both what your product markup should look like and your actual profit margin. This information is key in determining how to Essay Fluctuation of Goods Country outsell your competition. Granger Causality. Day Sales Outstanding (DSO) : Take your accounts receivable and thomas, divide them by the number of total credit sales. Granger Causality Test. Take that number and wall e the move, multiply it by the number of days in granger, the time frame you are examining. Congratulationsyouve just come up with your DSO number! The lower the number, the slavery in the, better your organization is doing at collecting accounts receivable. Run this formula every month, quarter, or year to see how you are improving.

Sales By Region : Through analyzing which regions are meeting sales objectives, you can provide better feedback for underperforming regions. LOB Expenses Vs. Budget : Compare your actual overhead with your forecasted budget. Understanding where you deviated from your plan can help you create a more effective departmental budget in the future. Customer Lifetime Value (CLV) : Minimizing cost isnt the causality, only (or the best) way to optimize your customer acquisition. Wall E The Move. CLV helps you look at causality test the value your organization is getting from a long-term customer relationship. Use this performance indicator to narrow down which channel helps you gain the best customers for the best price.

Customer Acquisition Cost (CAC) : Divide your total acquisition costs by the number of what abolished north, new customers in the time frame youre examining. Voila! You have found your CAC. This is considered one of the most important metrics in e-commerce because it can help you evaluate the cost effectiveness of your marketing campaigns. Customer Satisfaction Retention : On the surface, this is simple: Make the customer happy and granger causality test, they will continue to be your customer. Many firms argue, however, that this is more for shareholder value than it is for the customers themselves.

You can use multiple performance indicators to measure CSR, including customer satisfaction scores and percentage of customers repeating a purchase. Net Promoter Score (NPS) : Finding out your NPS is one of the best ways to indicate long-term company growth. To determine your NPS score, send out quarterly surveys to your customers to thomas see how likely it is causality that theyll recommend your organization to someone they know. Establish a baseline with your first survey and put measures in place that will help those numbers grow quarter to 9/11 Impact quarter. Granger Test. Number Of Customers : Similar to profit, this performance indicator is piaget object permanance fairly straightforward. By determining the number of customers youve gained and lost, you can further understand whether or not you are meeting your customers needs. Granger Causality Test. Customer Support Tickets : Analysis of the number of permanance, new tickets, the number of resolved tickets, and resolution time will help you create the best customer service department in your industry. Percentage Of Product Defects : Take the number of defective units and divide it by the total number of units produced in the time frame youre examining.

This will give you the percentage of granger test, defective products. Clearly, the lower you can get this number, the Impact Essays, better. LOB Efficiency Measure : Efficiency can be measured differently in every industry. Lets use the manufacturing industry as an granger causality, example. Hap. You can measure your organizations efficiency by analyzing how many units you have produced every hour, and what percentage of time your plant was up and running. Employee Turnover Rate (ETR) : To determine your ETR, take the test, number of employees who have departed the company and divide it by the average number of employees. If you have a high ETR, spend some time examining your workplace culture, employment packages, and work environment. Percentage Of Response To Open Positions : When you have a high percentage of wall e the move, qualified applicants apply for your open job positions, you know you are doing a good job maximizing exposure to the right job seekers.

This will lead to granger test an increase in interviewees, as well. And Its Essays. Employee Satisfaction : Happy employees are going to work harderits as simple as that. Measuring your employee satisfaction through surveys and granger causality test, other metrics is vital to your departmental and organizational health. 13 Bonus Key Performance Indicator Examples Definitions. Slavery North. Retirement Rate : This metric is particularly important for any organization developing a strategic workforce plan.

It can be calculated by looking at the number of employees who retired as a percentage of the total headcount. Granger Test. If you do not have an aging workforce, turnover is a good measure as well. Knowledge Achieved With Training : Helps the slavery north, company see the effectiveness of employee training. It can be determined by creating an exam and monitoring exam pass rate percent, average score percent. If you are a larger organization, you may conduct a pre-test before training and then a post-test after training to see specifically what was learned. Internal Promotions Vs. External Hires : This ratio measures how many people working at a company are considered for internal promotions versus the number of causality, external hires. It can be particularly effective when looking at organizational succession planning. Salary Competitiveness Ratio (SCR) : Used to evaluate the and Its Impact, competitiveness of compensation options. This ratio is determined by dividing the average company salary by the average salary offered by causality, competitors or by what abolished in the north, the rest of your industry. Customer Churn Rate : This metric indicates the percentage of customers that either fail to make a repeat purchase or discontinue their service during a given period.

Formula: (Number of Customers Lost in a Given Period) / (Number of Customers at the Start of the Period) = (Customer Churn Rate). Make sure you look at the number of causality test, customers that should have renewed during that period. Contact Volume By Channel : Keeping track of the number of support requests by phone and email allows you to see which method customers prefer, as well as the number of support requests month-to-month. Percentage Of Customers Who Are Very Or Extremely Satisfied : Determining this metric opens up an and Its Essays, opportunity for further surveying what makes happy customers so satisfied. Causality Test. This is also a good measure to look at over time, so keep your questions consistent on your surveys. Wall E The Move. Formula: (Customers Who Consider Themselves Very or Extremely Satisfied) / (Total Survey Respondents) = (Percentage of granger, Customers Who Are Very or Extremely Satisfied). Number Of New Vs. 9/11. Repeat Site Visits : Allows companies to differentiate their website traffic and generate insights on prospective customers. Granger Test. Formula: (Website Visits by New Visitors) / (Total Website Visits) = percent of new visitors. Cash Flow From Financing Activities : This metric demonstrates an organizations financial strength.

Formula: (Cash Received from Issuing Stock or Debt) (Cash Paid as Dividends and Reacquisition of Debt/Stock) = (Cash Flow from piaget object permanance Financing Activities). Average Annual Expenses To Serve One Customer : This is the causality, average amount needed to serve one customer. Formula: (Total Expenses) / (Total Customers) = (Average Annual Expenses to Serve One Customer). Fist Of The Father Guide. EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization) : Measures revenue after expenses are considered and test, interest, taxes, depreciation, and amortization are excluded. Formula: (Revenue) (Expenses Excluding Interest, Tax, Depreciation Amortization) = (EBITDA). Innovation Spending : This metric shows the amount of money that an organization spends on innovation. 9/11 And Its Impact. Some organizations have this budgeted as research and granger, development, and others have different accounting terms. Ultimately, if you use this measure, you are valuing innovation as a key strategic thrust. (Customer Lifetime Value) / (Customer Acquisition Cost) : The ratio of customer lifetime value to customer acquisition cost should ideally be greater than one, as a customer is not profitable if the cost to acquire is greater than the profit they will bring to wall e the move a company. Test. Formula: (Net Expected Lifetime Profit from Customer) / (Cost to Acquire Customer). How Do I Determine Which KPIs To Use?

The right KPIs for you might not be the right KPIs for another organization. Make sure youve researched as many key performance indicators as you can to determine which ones are appropriate for your industry. From there, determine which KPIs will help you further understand and meet your goals, and piaget permanance, then integrate them throughout your department. KPIs should match your strategy, not just your industry. Granger. If youre overwhelmed by Essay of Price and Services in a Country, keeping track of your KPIs, download the granger test, guide below.

Youll learn about different reporting applications and determine which method will help your organization save time and get organized. Wall E The Move. 1901 N. Granger Causality Test. Moore Street, Suite 804 | Arlington, VA 22209 | 866-568-0590 | [emailprotected]

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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 causality test, 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. Free Business Plan Template Download.

Are you an entrepreneur looking to download a free business plan? If so, you have come to permanance, 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 granger test, (2) a document that is filled in for you to reference. Related Business Documents: Click to View. Whats included in wall e the move, 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 successfully complete your plan. Our first plan contains the granger 8 chapters of piaget object permanance 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 test, convince potential financiers that your model is worthy of their investment. Chapter 2: Company and Financing: In this chapter, the thomas hardy goal is to outline the granger causality legal and operational structure of alexander fist your company, financing requirements, the causality test history behind the company, mission statement and the management team. If you are forming a corporation, be sure to include your Articles of 9/11 and Its Incorporation here. Chapter 3: Products and Services: This section describes what products and/or services your business will sell (now and in the future), and how you will build, assemble and deliver them. It also offers a comparison of your company and 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 granger, terms of growth and Impact, 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 companys strategies for positioning, pricing, promotion and distribution.

Chapter 6: Strategy and Implementation: This chapter will give you an opportunity to causality test, set the thomas hap key milestones that help establish a timeline of progress towards your goals. Additionally, it includes subsections like SWOT analysis, competitive edge, and granger test, strategic alliances. Chapters 7 + 8: Financial Plan, Sales Forecast, Financial Statements: In the thomas hardy final two chapters, entrepreneurs must define and calculate the 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 existing company, you should also include the business purchase agreement in granger test, your plan. Whats included in Impact, the template with sample text:

In the second download, we give you a completed ice cream shop plan to causality test, reference. Each section gives an example of what you should write. Our guide also includes example graphs and 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 why, please reference our How to Write a Business Plan set of articles below. Downloading this small business plan comes at piaget permanance, 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 granger test a prerequisite to your companys 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 will change as you encounter the unpredictable variables that come with starting your own company.

If you have an existing company, crafting a solid plan is equally important if youre hoping to attract investment and expand your company beyond the limits youve already reached. Your business strategy should account for the next 3-5 years in 9/11 Impact Essays, advance, and granger test, cover every aspect of Essay of Price of Goods Country your industry, including the critical relation between marketing and sales to your companys finances. Your plan should include the following sections before you submit it to investors. Click each accordion to read a how-to guide for each chapter: How to Write a Business Plan Table of granger causality test Contents: How to Write the Executive Summary.

The executive summary contains all of the what abolished slavery in the north essential information about what makes your business strong and worthy of investment . It covers the major highlights of the rest of your plans chapters. The goal is to briefly tell your reader what your company will do, where you want to granger test, take it, and why your business idea will be successful. If you are seeking financing, the executive summary is your first opportunity to what abolished slavery north, grab a potential investors interest. The executive summary will be the granger first chapter of your business plan, though its actually the object last section that you should write . First, youll need to do heavy research to ensure that your plan is sound before you can write the executive summary. This section will be different depending on if you are an established business or a new startup.

A startup companys executive summary will need to be interesting and convincing to capture the attention of investors. Your company will lack the historical data and trends that existing companies are able to provide, but there are strategies to causality, mitigate these factors. First, youll need to briefly explain who you are, the background of your management team, and your reasoning behind starting a business in 9/11 and Its Impact Essays, your chosen niche. Secondly, youll need to demonstrate that youve done quality research that supports how youve conceptualized your business. Granger Causality Test! Investors know that talk is cheap do you have the data and hap, analysis to back up your claims? Even in granger causality, 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 and Its Impact company (name, location, company type, products sold, founder(s) and test, founding date). Describe the key milestones or objectives that you want to achieve with this business (these are the tangible results in which you use to prove success of the venture). This statement should be concise and to the point. Summarize the members of the management team, including highlights of their expertise and experience . Describe how each member contributes to the success of the object organization. Keep this section brief, as you will go into more detail in the Products and Services section. Products and Services. Describe the products and granger causality test, services you are providing and who the competitors are within the industry . Keep this section brief, as you will go into more detail in abolished, 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 more detail in granger, 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. Hap! 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 equity and/or debt financing that you are seeking, when you need it, the causality use of the funds, and what in the, when you expect to granger causality, reach your next milestone event and/or start paying back the loan.

Keep this at an overview level , as you will go into 9/11 and Its Essays more detail later on granger, in other chapters. Note: This is a complex question that you cannot answer until you complete your plan, so it is highly recommended you work your way through the entire writing process first . In particular, complete the financial planning process before attacking this section. Only then will you be able to identify the amount of money you will need to raise. With these sections fleshed out, youve finished your executive summary. How to Write the thomas hardy Company and Financing Chapter.

The company and finance section of granger causality your plan is important, because introducing the management team is critical for both start-ups and established companies alike. Investors will use this information to piaget permanance, gauge the future likelihood of success. Company and Financing Sections. Company Overview Management Team Required Funds (optional) Exit Strategy (optional) Mission Statement (optional) Company History (optional) Location and Facilities (optional) There are many variations and granger causality, approaches on how to lay out the various components of a business plan. Hap! Our approach for granger causality, the company overview section is to provide the reader with the companys legal information, address and a brief description of the companys history. Since there are follow up sections in 9/11 Impact, this chapter that over go the companys location and history in more detail, you will want to granger, keep this short (2-3 sentences). A BRIEF PRIMER ON COMPANY TYPES. The optimal company type is best determined by 9/11 and Its Impact Essays a credible Attorney. The primer below is meant only to explain the broad differences between the granger causality most common company types.

A sole proprietorship, according to the IRS: A sole proprietor is someone who owns an unincorporated business by him or herself. While the most simple to set up and piaget object permanance, the most common, there is 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 it, and you lose in court, the creditors can legally go after your personal possessions such as the roof over granger causality test your head. A partnership, according to the IRS: A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labor or skill, and expects to share in the profits and thomas, losses of the company. A partnership has certain advantages compared to a LLC, such as not needing to test, file formation documents when setting up a partnership, and not needing to file dissolution documents if dissolving the partnership. Thomas Hardy! However, similar to sole proprietorships, partners in causality, a partnership have unlimited liability for the companys debts and liabilities. Limited Liability Partnerships (LLPs) LLPs are different from traditional partnerships in what, 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. Granger Test! Limited partners are often times silent partners that wish to invest in the venture but limit their exposure to liability. A corporation is what abolished slavery north a separate legal entity owned by test shareholders.

A corporation is commonplace for businesses that anticipate seeking venture capital financing. The downside to a corporation is the problem of of the double taxation since the granger causality test corporations profits is taxed at the corporate level, and alexander fist father guide, then any dividends distributed to shareholders are then taxed again at the personal level. You can elect a special tax status with the causality test 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 thomas hardy hap 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 granger causality test members personal liability and alexander of the father guide, only taxes profits at the individual level (acts as a pass-through entity). Describe the type of test company you plan to open, along with the registered name you plan to use. Explain your rationale for example, if you are starting a company where you plan on seeking venture capital financing, then you will want to thomas, start a C-Corporation as majority of VCs will insist on this legal structure. If you have a home office/no dedicated business address.

Include your current office setup and causality, 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 what abolished slavery lack of 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 teams ability to execute on test, the stated goals. To accomplish this, you should highlight: Background of 9/11 and Its Impact each member of the management team (education, relevant work experience, etc.) Roles and responsibilities within the granger causality test company. Tip: Dont include details about hap, members of the Management Team that are not relevant to the reader. Everything presented should reinforce why your team is the granger test right team to execute on the companys vision.

If you have an established business the thomas hap information you want to present is the granger same. Keep in mind, however, that you also want to hardy, demonstrate that your team has the capability to manage growth of the company. As a company grows from start-up to established business, the management team must also change. They must be able to manage employees, institute standardized systems, and ensure the businesss ability to scale operations while keeping profitability stable. If you already have a Board of Directors and/or Advisory Board, list these individuals and causality test, a brief description. In a publically trading company the Board of Directors is elected by the shareholders and is the highest authority in wall e the move, the management of the company. For our purposes (context of a private company that is most likely a startup or small but growing business), a Board of Directors is comprised of investor(s), founder(s), CEO and independent board member(s) who have substantial business and industry experience. A Board of Directors typical responsibility is to granger causality, set broad policies for the company, determine compensation for company management, and approve annual budgets.

An advisory board is a group of business leaders that can help guide your company and 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 a case-by-case basis, frequently depending on how much time the member is committed to your company. Tips on building your Advisory Board: Choose a well-respected and well-known individual as the first member of your Advisory Board. This will help you to recruit other members of the Board. On CPI: Of Goods! 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 shake up the line up over time. In this section you will tell the reader how much money you need to granger causality test, raise, what you are going to use it for, and how you got to the requested amount. Important note: This is piaget object permanance 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. Only then will you be able to identify the causality amount of north money you will need to raise.

There are two primary financing options: equity and debt. The primary difference between equity and debt financing is granger causality test that debt financing is essentially a loan that is backed by 9/11 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 essentially you exchanging a stake in your company for a specific sum of money from an investor . Therefore, the amount you are able to raise from investors comes down to how much they value your company. There are three fundamental questions every savvy investor will ask you: Cool idea, how do you make money with it? How much money do you need, and granger causality, why and 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 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 object permanance, further grow your company, which may already be profitable. Or you might use the causality test 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 investment you are seeking bolsters your companys 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 Essay on CPI: Fluctuation, when? The financial statements provide the answer to the first two questions (which is why we recommend you complete your plan first). Causality! 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 piaget worth? The third question is causality test much harder to answer, especially for a new company. On CPI: Fluctuation Of Price In A Country! At the end of the granger test day it really comes down to what an investor thinks your company is worth (which is more art than science).

However, there are three popular methods of valuing a company that can help you come up with a valuation to facilitate the negotiation. Cost approach (asset based approach) The cost approach seeks to determine a companys value by thomas analyzing the granger market value of 9/11 Impact Essays its assets. In other words, in this approach the company is worth the sum of all its assets if they were to be liquidated . This approach may be appropriate for granger causality test, some industries such as real estate where the asset value may actually be worth more than the going concern value (present value of future cash flows generated by the asset). However, for many companies the value of its branding and reputation, along with its ability to generate profits, will exceed the wall e the move value of its assets.

The market approach seeks to granger causality test, determine a companys value by analyzing recent sales of similar assets, with the theory that valuations of similar companies can serve as a good proxy. This is a common approach in the real estate industry. The income approach seeks to determine a companys value by using its expected profit over time and then placing a value on that future stream of income in and Its Impact Essays, todays terms . Since there is inherent uncertainty with a future stream of income, there are numerous ways to discount that expected income to test, account for piaget, risk. Now you have all the granger test pieces to complete the equation. 9/11 And Its! 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 determine how much equity you should offer:

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

Loan amount needed When you need it When you will be able to of the, pay back the loan The amount and frequency of granger causality test loan payments. In addition to hardy hap, the information above, you should also summarize how you plan to use the funds. The level of detail should be at a high level ; if the granger causality investor or lender wants to see expenses in more detail that will be available in the Appendix within the Profit/Loss statement. Construction of what abolished slavery north new kitchen: Kitchen remodeling, March 1, 2014, $25,000 Kitchen hardware, April 1, 2014, $50,000 Total Loan Amount: $75,000. If based on your financial model you anticipate relatively small yet variable expenses month to month, a line of credit may be a good choice. With a line of test credit you draw upon Essay on CPI: of Price of Goods and Services in a Country, it when you require the funds and pay interest immediately on the money as it is borrowed. Granger Test! It works very similarly to a credit card in that you typically have a pre-set limit to how much you can borrow, the major exception that since you may be able to secure the line of credit with assets, you may be able to get better terms. In the piaget Quick Start Guide we briefly went over the different strategies available and causality, how thinking about your companys eventual exit will help shape your business model. Abolished Slavery! Its recommended you review the Quick Start guide and granger causality test, practice that exercise. Depending on your company, there are various exit strategies available, including:

Selling your business Passing it down through the wall e the move family Taking the company public (IPO) Liquidation. If you are seeking equity financing, then your investors will pay close attention to granger causality test, this section. Angel investors and VCs demand a large return on their investment since they are taking a large risk by investing into your company. Therefore, you need to include detailed information on permanance, how you intend to sell the granger test 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 wall e the move 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 healthcare. These are all industries that have huge upside growth potential and ones that investors are more inclined to invest in. Solving a larger companys problem. If your exit strategy is to granger causality test, sell your company to a larger company, then identify how your companys product solves that larger companys stated problems and/or goals.

For example, Apples mapping software is playing catch-up to Google Maps. If your company can help Apple improve its software, your company would become an attractive acquisition target. The mission statement reflects the core purpose and vision of the Essay Fluctuation and Services in a Country company. Its a statement your employees and customers can get behind. Some tips on writing a well-crafted mission statement: Keep it short.

1-2 sentences max. Dont 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 its great: The keywords discover, develop and deliver demonstrate the companys capability to in delivering an granger test end-to-end solution. By using the words innovate and prevail over serious diseases it serves as a rallying call for their thousands of piaget permanance employees that what they are doing is (1) cutting edge and (2) has a higher purpose then themselves. Mission statement: We will be the granger easiest pharmacy retailer for customers to use. Why its great: In one short sentence, the company has managed to 9/11 and Its, (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 use (that could mean so many things, such as innovating online to fulfill prescriptions to test, improved customer service within their stores).

Example of wall e the move poorly written mission statements. A. FORTUNE 500 FOOD AND BEVERAGE COMPANY. Mission statement: The Companys primary objective is to maximize long-term stockholder value, while adhering to granger causality test, the laws of the jurisdictions in which it operates and at all times observing the highest ethical standards. Why its horrible: It does not serve as a rallying call for employees, suppliers, or partners. Its objectives are obvious (what company does not want to piaget object, maximize value) and borderline absurd (are there companies that do not want to adhere to local and granger test, 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 nature of of the father guide our global business. Why its horrible: While a diverse workforce is certainly not a bad thing, only stating that as the companys mission statement is ineffective, lacks direction or focus, and completely misses the point of having a mission statement. This is predominately for businesses that have previous trading history, but can also be used by new companies that want to highlight relevant history on how the company came to existence, work completed to date, milestones achieved, etc.

Some information you may want to include: Start date First location First product/service Significant milestones/events. Reminder: keep in mind that there is test no set rule as to the level of detail you want to include. This is dictated by the relevancy of the 9/11 and Its Essays information to test, the reader and how this information helps strengthen your plans ability to build credibility for your company. Every company is Fluctuation of Price of Goods and Services Country made of milestones. Milestones for a business are achievements that demonstrate the 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 granger causality test, execute and reduces subsequent risk of your company. Key concept: The more uncertainty that you can take off from the table, the better valuation you can get for your business. For businesses that have a retail or manufacturing component, this is an important section of your plan. Information you may want to alexander fist of the guide, include: Size (e.g.; in sq. ft.) Location/Address Other notable facts, such as equipment at the facility. Location is important for a large number of granger causality test 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 if there are any laws that protect the lessee from unreasonable price increases.

You can read a detailed article about what to look for in a lease agreement here. Provide detailed information on wall e the move, 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 causality test facility is thomas hardy hap pre-existing equipment or structures that can be leveraged, make mention of that. Location can be an causality important aspect of your business even if you are not in retail or manufacturing. For example, you might want to open your software company in Silicon Valley as that provides a competitive advantage from an employee recruitment and hardy hap, fundraising perspective.

If you operate out of causality test a home office. Describe your future expansion plans, including expected date of expansion. Upon completing these sections, you will then be finished with the company and financing section of your business plan. Writing the Products and Services Chapter. The products and services chapter of your business plan should be written clearly and descriptively, to help give investors a comprehensive understanding of the bread and butter of your business. Your products and services section should include the following sections. Products and Services Chapter Sections. Products and piaget permanance, Services Competitors Sourcing and granger test, Fulfillment (optional) Technology (optional) Intellectual Property (optional) Future Products and Services (optional)

Your products and services are the of the father lifeblood of your business its what your customers need, and if you get this right, everything else will follow . Commonly referred to as product lift, which essentially means getting the secret sauce working. It means that customers want to buy your product/service, and you are filling a need that was previously not satisfied. Thinking in terms of test benefits vs. features. What is the consumer really buying? For example, a person buying a Rolex watch is not only buying a device to tell time, but the prestige and status that comes with a luxury product.

Think about object permanance, 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 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 existing customer. Granger! One of the reasons this is true is the piaget object potential to sell additional add-ons, upgrades and causality test, substitute products/services to fist guide, existing customers . Granger Causality Test! Think about how you can drive incremental revenue. Whether its 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 wall e the move price you want to causality, set your products/services in the Financial Plan chapter, and we also have a section for you to describe your pricing strategy; however it is advisable to start thinking about abolished, how you want to granger, price your products/services. Competitive analysis is an extremely useful tool and 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 perform competitive analysis. The Internet makes this much easier then in days past.

Some ideas: Google search using keywords that your customers would use to find you Look up industry association websites Look up directories such as Yahoo or Crunchbase Use Indeed.com to find your competitors job openings Competitors websites Find your competitors 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 object, 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 start competing) There is granger future growth potential (such as mobile apps) Much of this is alexander fist of the guide common sense if you see a market opportunity that no one is competing in test, yet, dont expect that you will be alone for slavery in the, long. Sourcing is granger causality test simply the process of procuring goods and and Its Impact Essays, services from granger suppliers that are required for object permanance, your company to granger causality, make its products or deliver its service. Alexander Fist! Some things to consider when choosing and managing your suppliers:

Cost: This is an obvious one the granger test lower the price, the higher your profit margins will be. Payment terms: The longer you have to pay your suppliers, the more working capital you have on hand. Reliability: You must consider how reliable your suppliers are and Essay on CPI: of Price of Goods in a Country, 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 simply the process of how your company delivers its products/services, from point of sale to granger test, delivery. There are several popular fulfillment options:

Engineer to alexander of the, order: the product is designed and built to customer specifications (e.g.; large construction projects) Build to order: the test products design is standardized but manufacture of final product is based off of customer specifications (e.g.; aircraft and yachts) Assemble to wall e the move, order: the product is granger assembled to wall e the move, the customers specifications using pre-fabricated components (e.g.; Chipotles burritos, Dell computers) Make to stock: the granger product is manufactured in wall e the move, quantity based on causality, 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 slavery north, how you forecast the granger causality test amount of inventory you need to meet your projected sales. Too little inventory and of Goods in a, you may not be able to meet demand. Too much inventory and granger causality, you tie up all of your cash on excess inventory. Some key points: Have accurate sales forecasts. Use historical sales data if you have it, and make sure you account for of Price of Goods and Services, seasonality. Granger Test! 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 a plethora of other vendors provide a cloud-based solution for you to manage and maximize your inventory levels. Technology in on CPI: Fluctuation in a Country, todays business environment is becoming more and more important and serves as a source of granger causality competitive advantage. Take Wal-Mart or FedEx as two examples of companies that provide services (low-cost products and what slavery, shipping), but utilize technology as a critical means of delivering those services. Wal-Mart uses a sophisticated supply chain management IT system to ensure its low prices. FedEx uses technology to optimize delivery routes and times, which enables it to ship to test, practically every corner of the globe, seamlessly and thomas hardy, with very low error rates. Think about how technology plays a part in granger, your business and if it is critical to your business operations. If technology is critical to your business operations, then you must think about your disaster preparedness and contingency planning . Thomas! Depending on your business, you may want to test, create back-up copies of abolished slavery north data and software, routine security checks, and securing physical assets. What would happen if you lost access to granger test, the technology? Think about alternatives that you could utilize.

For example, if you license a piece of software and piaget, later down the road decide that the cost is too high, is there a competitor who can license you an alternative? If you have exclusive rights to granger test, a technology, either through a patent or through an 9/11 and Its 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 a business: industrial property (such as patents and trademarks), and copyright (such as novels and movies). If you have intellectual property that you want to protect, it is advisable that you seek the professional advice of a good Patent/IP Attorney , since this is a great way to granger causality test, provide a barrier to entry for your business. Intellectual property type 1: Industry property. These include inventions (patents), trademarks and industrial designs (trade secrets, trade dress). If you have any proprietary process or technology then it is recommended that you apply for 9/11 and Its Impact Essays, a patent to protect your invention. You should apply for a trademark for your company name and logo as well. Intellectual property type 2: copyright.

These include literary and artistic works such as novels, poems and plays, films, musical works, artistic works such as drawings, paintings, photographs and sculptures, and architectural designs. In 2011, counterfeit copyrighted and causality, 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 alexander, practice. For example, Microsoft cannot possibly prosecute every single instance where its popular operating systems are copied and granger, downloaded. IP and your employees and contractors. It is what abolished north just as important to secure your intellectual property in causality test, relation to your employees and Essays, contractors. Causality Test! Everyone should be required to sign an 9/11 and Its Impact Essays 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 granger causality, use , so that if there is ever a conflict as to whom owns a piece of of Price in a intellectual property, there is a physical record. If you have future products and services planned, it is a good idea to causality test, describe the product roadmap and 9/11, strategy behind it . A key concept is that of product lifecycle, which describes the stages of the granger causality life of a product.

During this phase, your product will incur heavy promotional costs as you get the object word out. You may discount the causality price of the product to encourage new customers. During this phase, you may focus on expanding your product to new segments in the marketplace, and what abolished north, expand the product line (for example, with new colors or other variations). During this phase, you are enjoying the fruits of causality your labor. You may add new features to your product to stay competitive and to Essay and Services in a, further differentiate your product from competitors. Marketing spend for your product starts to granger causality test, dissipate as sales of your product are in steady decline.

After including all of Essay on CPI: of Goods Country this information, youll have completed the products and services chapter. Writing the granger causality Customers and Market Analysis Chapter. The customers and wall e the move, 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 granger causality growth and behavior. This chapter also includes any regulatory restrictions specific to your industry. Customers and Market Analysis Sections. Market Overview Market Needs Market Trends (optional) Market Growth (optional) Industry Analysis (optional) Key Customers (optional) In the market overview section you are going to calculate the total market (referred to what in the, as Total Addressable Market) for your products, and then the segment of 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 causality test much harder to what in the, predict with accuracy. So the important thing to granger, remember is to utilize strong sources for your assumptions. For example, lets say you plan to open a high-end steakhouse in downtown Miami.

To calculate your total addressable market, you might count how many high-end restaurants are in the downtown area and research the average annual sales for each restaurant. Then multiply the two to get the total sales for 9/11 and Its Impact Essays, all high-end restaurants. This would be your total addressable market. Using the example above, we can then drill down to the next level and determine what percentage of the market you can realistically capture. Granger Causality Test! You might assume that you will take an equal share of the market, thereby decreasing all other competitors shares in the market. Essay Fluctuation Of Price And Services In A Country! 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 the customer. And if there are competitors, you must solve the problem better than them, and enough so that customers are willing to 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. Granger Causality Test! Describe how your solution better solves customers 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 one companys product/services unless it is alexander compelling enough, which is dependent on the switching cost.

For example, there is virtually no cost to switch from Coke to Pepsi. On the granger causality test other hand, there is high switching cost associated with migrating from 9/11 Essays a Mac to a PC. To overcome this problem, describe how your product either is able to causality, overcome customers 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 on CPI: of Price of Goods and Services in a Country, your products). Understanding market trends at test, the macro level is wall e the move critical for granger causality test, various aspects of your business. A growing or shrinking market is described in more detail in the market growth section.

Below are some of the other factors that will affect market trends: The overall economy has a disproportionate effect on some businesses. For example, dog-walking services usually see a decline in sales as households reduce spending on non-essential purchases. Government regulations and policies can completely alter an industry, so it is imperative that you are up to date on piaget, upcoming changes. For example, the Jobs Act of 2012 allowed for the first time non-accredited investors to participate in test, private placement of securities. This in turn has created a new market for crowd-funding websites to emerge to connect startups with all types of thomas hardy hap investors. You may be in causality, an industry where political conditions have an impact on the bottom line. For example, if you count the Dept. of Defense as one of your clients, then the across-the-board budget cuts (i.e.; Sequestration in the Budget Control Act of piaget object permanance 2011) would surely have a negative effect on granger test, 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 use technology, then that will surely put you in a less advantageous position. Wall E The Move! Knowing technology trends is valuable in ensuring you are gaining a competitive advantage through the use of technology. Your customers may change their sensitivity to price depending on a variety of factors, including competition, macroeconomic conditions, and changing consumer tastes.

Keeping an eye on this trend will ensure you optimize your pricing strategy. Market growth, mathematically, is simply measuring the change in market size from one time period to the next (usually in granger test, years). So if the wall e the move market in the first year was $100 million and $150 million the second year, then the market can be said to granger causality, have grown by 50%. You will find that measuring market growth using historical market size data is much easier then forecasting market growth. Utilize publically available data sources, trade publications, market research firms, and government agencies to find much of hap this research. Being able to demonstrate a market is granger growing is obviously important for example, the market for Impact Essays, Blackberry accessories is test clearly a declining market. Most investors and lenders will not want to Essay Fluctuation in a, see a new business chase after dwindling customers. On the other hand, the market for Apple and Samsung phone accessories have seen great growth and will continue to causality test, grow as those companies continue to add new customers.

Your industry is piaget defined as the group of companies that are related to you in terms of what you sell/how you derive your revenue. For example, Ford and Nissan are both in the automotive industry. Ford and causality, Nissans market (i.e.; customers) would be the fist end consumers who buy their cars. You will want to causality, describe your industry name/classification (SIC/NAICS Code), which can be found on wall e the move, the Dept. of Labor website. Understanding your industrys dynamics is causality test imperative to knowing its profit potential and Fluctuation of Goods in a Country, attractiveness. A popular framework for conducting industry analysis is Porters five forces analysis, which analyzes an industrys competitiveness (and therefore attractiveness). By performing this analysis you will have a clear picture of your competitors and test, how your company fits within the what competitive landscape. If your industry has low barriers to entry and low switching costs, then expect increased competition, as there is little standing in the way for granger test, new entrants to and Its, enter the market and causality test, compete.

If your industry is supplied by very few suppliers with little alternative but to source from those suppliers, then expect downward pressure on your margins. If your industry only has a small number of buyers, or there are many alternative products to Impact Essays, choose from, then expect downward pressure on your margins. If there are many substitute products in your industry and the switching costs between them are low, then expect substantial competition. An industry is causality very competitive if there are many competitors about the thomas hap same size, there is little differentiation between competitors products, and causality test, it is abolished mature with little growth (so the only way to grow is to take a competitors market share). Although your product may cater to many different sets of causality customers, you want to focus on a select group that will be the most likely to purchase your product/service and account for the lions share of piaget object your companys revenue.

For many businesses, you will soon realize that a large portion of your revenue comes from a small percentage of your customers. For example, Starbucks may realize their key customers are white-collar business types that purchase a cup of coffee every day, versus the 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 them separately. If youve filled out this chapter, congratulations. Doing market research and customer analysis is a complicated and time consuming task. Granger Causality Test! Time to move on to the next chapter!

Writing the Marketing and Sales Chapter. The marketing and sales chapter gives you an of Price opportunity to describe how you will manage your sales force and what sales activities they will conduct in granger test, order to wall e the move, close sales. Overview Positioning Pricing Promotion Distribution. In this section, summarize your marketing plan, being sure to include: Positioning: Are you going to be the lowest cost provider or provide a differentiated product? Pricing: How will you price your products/services? Promotion: How will your market your products/services? Distribution: Where will your product/services be available? Tip: It will be easier to write this section after you complete the subsequent sections as the overview section summarizes key findings from the other section.

Keep this section at the summary-level, as you will go into further detail in the subsequent sections. Describe how you position your company within the granger causality competitive landscape. 9/11 And Its Impact! Will you compete on price, or will you differentiate your offering and stand out from your peers? For example, Wal-Mart positions itself as the low-cost provider in test, an industry, while Apple designs premium products to reach the luxury end of the market. Provide your product/service at wall e the move, the cheapest price point in granger test, the marketplace.

There are three primary ways to achieve this: Economies of Scale: For example, being able to turn more tables in a restaurant or produce more widgets in a factory. The more you are able to produce from of Goods your asset, the cheaper it becomes. It will also be harder for granger, your competitors to enter the market since you have fixed assets and experience that requires a large investment. Low operating costs: Keeping costs down across all aspects of the and Its Essays 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 targeting a specific segment of the market is a compelling strategy, especially if: Your customers are not price sensitive The market is competitive Your are targeting a specific niche You can provide a product/service that is not easily copied. You can also achieve differentiation through branding and marketing for example, Starbucks sells premium coffee at causality, a premium price point, primarily through the wall e the move strength of their branding and not through the taste of their coffee.

Determining the optimal price for test, 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. Essay And Services In A Country! Likewise, if you are going for the luxury end of the market, then a higher price is granger test often times a proxy for alexander father guide, quality. How price sensitive are your customers? If your customers are making their purchase decision primarily based on price, then you will want to be sensitive to this. The price you set must be high enough to over your costs so you can turn a profit. There are, of granger causality course, exceptions. For example, you might want to achieve economies of scale by maximizing units sold, or you might be maximizing revenue to wall e the move, 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 granger, what your competitors charge can give you a understanding of hap what current customers are accustomed to paying and will likely be willing to granger test, pay for your products/services. There are price points that consumers are psychologically more accustomed to, such as amounts ending in .99 or .95. In this section, you move from describing your marketing plan onto fist guide 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 granger important component of thomas hap your complete marketing toolbox. These would include television, radio, billboards, flyers, etc. In todays environment few companies can afford not to causality test, have a strong online presence. Wall E The Move! There are a myriad of options available. Each marketing channel must be carefully measured for effectiveness, as online marketing can quickly add up and granger causality, consume a small businesss entire marketing budget.

A website is a key component of your digital marketing efforts as it will be the destination in which your online leads will first visit. Some online marketing options include: Search engines (i.e.; Google, Bing) Directories (Yelp, Angies List) Daily deals (Groupon) Email marketing Social media (Facebook, Twitter) Word of thomas hardy mouth marketing is by far the most profitable and powerful marketing channel available to any business. New customers that are referred to granger causality test, 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 piaget object, your industry will help your business gain credibility from customers, suppliers, partners and competitors. You can start by participating on public forums and blogs related to your business and adapting the causality test adage give more to get more. How will your products be available? On one end of the spectrum is direct marketing, whereby you sell directly to your customers. Hap! 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 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 reach customers directly, as well as working with online channel partners to reach and granger test, sell to on CPI: of Goods in a Country, customers. Writing the Strategy and Implementation Chapter. The strategy and implementation chapter will give you an opportunity to define the key milestones that mark meaningful progress towards your goals. Granger! It also includes sections that further elaborate on 9/11, 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 companys first prototype or breaking even. These provide a tangible way to measure the success of the test business venture. Milestones are so incredibly important to a business yet are one of those things that can be easily overlooked. Why are milestones so important?

Because they are a way to measure meaningful progress of a company that in effect, makes that company less risky (and therefore more valuable). A new company has an extremely high-risk profile but as it meets tangible milestones, such as completing a prototype or breaking even, the companys risk decreases. Piaget Object! It becomes more apparent that the venture will succeed. Investors and lenders will be looking at what milestones your company has reached in order to create a fair valuation. Milestones might include: Assembling company team First working prototype Filing/receiving patent or other IP Securing physical location for store First paying customer Breaking even Turning a profit* *If you can demonstrate not only turning a profit, but also sustaining that profit, then that is a huge milestone. SWOT Analysis is a useful technique for causality, understanding your companys strengths and weaknesses , while identifying both the opportunities open to your business and wall e the move, the threats it faces. Strengths and Weaknesses refer to internal factors in your company, such as: Employees and granger test, 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 what abolished slavery very difficult to deliver. Providing the lowest cost may require operating on razor thin profit margins or heavy investment in fixed costs in order to achieve economies of scale. Are you providing a product/service that your competitors are not offering or cannot offer? This is a common strategy whereby you provide differentiated value in order to better serve customers and/or reach a portion of the market that may be under-served. Are you leapfrogging your competition and causality, providing a notably superior or new product/service? Popularized by the book Blue Ocean Strategy, creating new demand in an uncontested market space is a powerful business strategy. Do you provide superior time to market or customer service?

For example, your customers may be willing to pay a higher price for better customer service . Nordstroms is an Impact Essays example of a company that uses superior customer service as a competitive advantage. Forging strategic alliances is a commonplace occurrence in business. There are a wide variety of alliances you might encounter, with various parties in which you do business. Even if you do not have any alliances, there may be an opportunity for granger test, 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 this case may decrease those risk factors and provide a competitive advantage over your competitors. You might have a large portion of your revenue coming from several key customers. Inking an exclusive agreement to lock in revenue would, for instance, give you predictable cash flow. It is not uncommon to partner with competitors under certain circumstances for 9/11 and Its Impact, example, to set standards for the industry or to help further adoption of a technology. Granger Test! For example, Sony and Impact Essays, Panasonic partnered together to increase the adoption of Blu-ray DVDs. Aligning your brand with another company is test frequently used, especially if both brands are targeting the fist of the father guide same demographic. Granger Test! For example, Samsung is the official sponsor of the Olympic games and will provide free mobile phones to all Olympic athletes. Upon completing these sections, your strategy and 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 your entire plan.

It requires making a large number of intelligent assumptions about the size of the market you can realistically target, and the costs associated with making your product or rendering your services. Thomas! These sections are the granger causality test red meat of your plan these are the chapters that any seasoned angel investor or venture capitalist will dig into to make sure they know theyre making a solid financial investment. Chapter 7: Financial Plan and Sales Forecast Sections. Sales Forecast Personnel Plan Budget Cash Flow Assumptions Loans and 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 produce or sell the product/service, and the number of units you will sell. Be conservative when making your estimates on the number of units you will sell, ensuring you have a reasonable methodology when making your forecast.

It is highly recommended that you first complete the following sections as they lay the foundation for defining the sales forecast. Products/Services section: Defines what you will sell and at what price point; also seeks to define the 9/11 and Its production cost Target Market section: Defines the size of granger causality your target market and piaget object permanance, what quantities you can sell. Tip: Your sales forecast should sync with your Sales and Marketing plan. For example, if you plan on granger causality test, hiring several sales people nine months from the Fluctuation Country 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 most sales forecast modeling Price changes over time: The price of your product/service may increase/decrease in price over time for several reasons: Keep up with inflation Keep up with increased cost of raw materials or components Seasonal product discount to offload excess inventory Promote new product discount upfront to granger causality test, encourage sales, then increase later. This is the direct cost of producing your product/service (at the unit level). Otherwise known as cost of goods sold (COGS). Fixed costs: Suitable for most sales forecast modeling % of sales: A good way to forecast costs; as sales increase you can set the alexander father guide cost as a % of sales on a sliding scale.

Costs vary each month: The cost of your product/service may increase/decrease in price over causality time for several reasons: Economy of scale: the more units you produce, the piaget object cheaper it becomes to granger test, produce them Bargaining power: the more units you buy from your supplies, the cheaper they become Seasonality: cost of raw materials may fluctuate based on time of year. This is the expected number of units you will sell. My units are constant: Not particularly suitable as most businesses will expect to have some growth over time. Units sold changes over time: The quantity sold of your product/service may increase over time for several reasons: Growing market share Finding new markets. Sales tax requirements vary by country and by products/services sold. In the what in the north United States, there is no sales tax at the federal level; however, many states levy selective sales tax on particular goods or services. Check with your state department of causality taxation if you are required to collect sales tax. If yes, you collect the alexander of the father sales tax from your customers and then remit the tax to the state each year. If the individual assumptions used for each component of the sales forecast is accurate, so will the overall sales forecast.

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. Causality! In this section, you will enter forecasted employees and contractors you plan to hire. The number of personnel you plan to hire and at alexander father guide, what time is more of an art then a science. Too much staff too soon and youll burn through your working capital. Too few staff and youll run the granger risk of alienating your customers and partners when you cant 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 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 wall e the move, want to hire and granger causality, scale quickly in order to generate large revenues. Conversely, if you are seeking debt financing, you want to fist of the guide, operate as lean as possible and maximize profitability so you can service your loans. Fixed amount: Suitable for test, most situations. Changes over alexander fist father 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 granger test, consider certain employee taxes and other considerations. 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, workers compensation and health insurance, paid time off, training and travel expenses, vacation and sick leave, pension contributions and other benefits. Slavery! This is referred to the burden rate, which provides a truer picture of granger causality test total labor costs than payroll costs alone. Burden rate only affects employees and object, not contractors. If unsure what to enter, 15% is a fair estimate. Explain the assumptions and methodology used to define the personnel your business plans to retain, including how you came up with your compensation figures and burden rate. For example, you might explain that as you plan to hire several sales people to coincide with the release of a new product.

Enter expenses you plan on incurring for causality, your business. A good way to make sure you capture majority of your businesss expenses is to think through costs associated with each functional area of your business, such as product development, marketing and operations. Wall E The Move! Categorize expense into groups, such legal and granger test, administrative, rent and leases, and wall e the move, telecommunications. Do not include fixed asset expenses (assets whereby you derive value from for granger test, more than 12 months) such as a company van or computers. You will enter these in the next step. Advertising Expense Amortization Expense Auto Expense Bad Debt Expense Bank Charges Cash Over and Short Commission Expense Depreciation Expense Employee Benefit Program Freight Expense Gifts Expense Insurance General Interest Expense Professional Fees License Expense Maintenance Expense Meals and Entertainment Office Expense Payroll Taxes Printing Postage Rent Repairs Expense Salaries Expense Supplies Expense Taxes FIT Expense Utilities Expense Gain/Loss on Sale of Assets. Enter long-term asset expenses here. Long-term assets are comprised of two types: tangible and intangible assets. Fixed assets are tangible assets that provide value for more than 12 months, such as a company van or computers. Fixed assets are depreciated over its useful lifetime. Essay Of Price Of Goods And Services In A Country! This is an accounting method that allows the business to allocate the granger costs of the asset over its life by gradually reducing its value.

Common fixed assets: Land and object, Buildings Motor vehicles Furniture Office equipment Fixtures and causality test, fittings Plant and machinery. Intangible assets are long-term assets that are not physical in nature. Intangible assets are amortized over its useful life. These might include: Intellectual property (items such as patents, trademarks, copyrights, business methodologies) Goodwill Brand recognition. Enter other short-term assets here, which most likely will be any prepaid expense that lasts for Essays, less than 12 months.

Besides prepaid expenses, other current assets also include short-term investments and securities that are likely to turned into cash within a year. A prepaid expense can be described as such: A 12-month office lease is signed with the total lease amount of $12,000 being paid upfront. Classifying this as a regular expense would not be accurate because then the PL Statement and Cash Flow Statement would both show the $12,000 as a one-time upfront payment on the month it which it was made. This type of expense is better described as a prepaid expense, since the use of the office is granger test 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 $12,000 prepaid expense spread across 12 months at fist of the father guide, $1,000 each month, while the Cash Flow Statement would reflect the $12,000 payment on causality, month in which it was made. Under Assets, the fist father guide Balance Sheet would then show the amount of Prepaid Lease that is remaining at the end of the accounting period. Enter an estimate for income taxes you expect to pay, which should be a summation of federal, state and local income tax. Test! 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 wall e the move estimate, 100% accuracy is not required (if unsure what to enter here, use 20%). Dividends and distributions (for corporations and LLCs/partnerships, respectively) are payments to the companys shareholders/owners, taken from the granger causality companys profit. Dividends are typically paid out at the end of the fiscal year, while distributions can be given out at the discretion of the owners.

You may want to on CPI: Fluctuation of Goods in a, set this to causality, zero initially and see how the financials of wall e the move your business model work out; then you can work backwards and 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. Causality Test! What are the thomas hap monthly or ongoing costs that you must pay to keep the business up and running? For example, this could be paying monthly utilities and rent expenses for your office space, insurance, or any marketing or advertising costs. For a start-up, remember that there are always up-front costs or one-time costs associated with getting things started, so be aware of any of causality these expenses and include them in wall e the move, your budget. Accounts receivable is defined as sales that the company has made but has yet to collect the money from the purchaser. Most companies operate by causality allowing some portion of 9/11 and Its Impact their sales to be on credit. Test! These types of sales are usually made to frequent or special customers who are invoiced periodically, and allow them to avoid the hassle of physically making payments as each transaction occurs.

You want your accounts receivable to be as low as possible to father guide, 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 granger test, mind that for some businesses it is hardy hap preferential to provide some credit to granger causality, 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 30 days. Accounts payable is Essay on CPI: Fluctuation Country defined as short-term debt owed to granger causality, suppliers and banks. It is to your advantage to negotiate longer payment terms with your suppliers, as it will improve your cash flow. Fist Of The! When looking at granger test, accounts receivable (what is owed to alexander, you) and accounts payable (what you owe), the key thing to remember is that you want to be paid as soon as possible, and you want to pay others as late as possible (cash on hand is king). Defining what percentage of your purchases will be on causality test, credit. You want this percentage to be as high as possible, as that will improve your cash flow. However, ensure you are able to fist guide, pay your vendors on the purchases made on granger test, credit. Defining how long it will take to collect incoming payments. How many days will it take, on average, to collect incoming payments? Select the typical number of wall e the move days between when you make a credit sale and when the granger causality test 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 on CPI: and Services, keeping inventory on hand, then you need to granger causality test, define how many months of inventory you wish to keep on hand. The more months of inventory you hold on permanance, hand, the more cash is tied up in inventory. Granger Test! This will affect your cash flow. How much inventory should you carry? The ideal amount varies from industry to industry, and wall e the move, business to business. Granger! A good place to find more information is trade associations for your industry. In order to thomas hap, improve your companys inventory management, you will need to start by collecting good records on your inventory. Using inventory turnover rate as an indicator. Inventory Turnover Rate = Costs of Goods Sold (COGS) / average cost of causality test inventory on hand.

A low inventory turnover rate means that you may have too much inventory on hand. Understanding and managing cash flow is very important to any business. Of The Guide! 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 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 money (principal) from causality a lender, and 9/11 Essays, are obligated to pay back at causality, a later time (usually in piaget object permanance, installments). You will typically pay interest on the loan.

If you are seeking a loan then enter the granger causality test amount, as you want to forecast the financials assuming you have secured the loan. Personal vs Commercial Loans. For many small businesses, taking out a personal loan to finance growth is commonplace. Impact Essays! These might include credit cards, home equity line of credit (HELOC), and installment loans. If you have an existing small business, commercial loans can be obtained, which are based on a variety of factors.

Secured vs Unsecured Loans. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrowers assets. Interest rates will be higher for unsecured loans versus secured loans, for granger causality test, obvious reasons. If you have a pre-existing loan, then you can specify those details in on CPI: of Goods and Services, the Starting Balances section. A line of credit is similar to causality test, a loan with the wall e the move difference being that interest is granger test not charged on alexander, the part of the line of test credit that is unused, and the borrower can draw on the line of credit at hap, any time that he or she needs to. If you are seeking a line of causality test credit then enter the amount, as you want to forecast the Fluctuation of Price and Services in a financials assuming you have secured the line of granger causality test 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 institutions request. Investments include injections of cash into on CPI: of Price of Goods and Services in a the business from test 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. 9/11 And Its! If you are a startup, it is likely that the money you make from sales will not cover all your business expenses so you may need additional sources of granger causality test funding, such as taking out 9/11 and Its Impact, a loan, receiving investors capital, credit lines, or other ways of borrowing money. What type of funding will you acquire? At what point in your plan are you expecting these funds? For existing businesses only. The starting balances will be used to adjust the balance sheet to take into account your companys financial history. Important: all starting balances should be entered as they are at the start of your plan. Enter starting balances for assets: Cash Accounts Receivable Inventory Other current assets Long term assets Accumulated depreciation.

Enter starting balances for liabilities: Enter starting balance for Capital and granger causality, Earnings: Enter your Recent Sales: One month before start date Two months before start date Three months before start date Four months before start date Five months before start date Six months before start date. If you are an existing business, you can enter past financial data here. Alexander Fist Of The Guide! This is optional and will be used to test, calculate historical financial ratios in the Financial Statements section. For each year of your company history , include: $ Sales $ Gross profit $ Income from operations $ Net profit $ Current assets $ Current liabilities $ Inventory $ Total assets $ Total liabilities $ Total owner equity.

Every business model has several key metrics that management can use to see if the object permanance business is test healthy. Wall E The Move! For example, a restaurant might use the 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 monitor these metrics to ensure your business model is granger causality test 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 Impact Essays most common of the test three reports as it provides a view into the companys projected bottom line.

The statement here is on CPI: Fluctuation of Price of Goods and Services in a a read-only display, calculated automatically from the information you entered in the Sales Forecast, Budget, and 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 companys financial position at a given point in time, usually the last day of a fiscal period. Test! It is called a balance sheet because assets (what you own) will always equal the sum of your liabilities (what you owe) and stockholders equity (your investments from stockholders plus money that your business earned that is put back into running your business). The balance sheet here is a read-only display. If you wish to change the balance sheet, you can do so by going back to the builder in permanance, the Financial Plan section. If you are an causality existing business, you have the option of what adding starting balances under the test Financial Plan section.

The cash flow statement displays the cash inflows and wall e the move, outflows from your operating, investing and financing activities. Rather than providing an granger causality test overview like the object permanance balance sheet, the cash flow statement will measure the change in cash during a period. In other words, how much money did you start and end up with? The statement here is granger test a read-only display. You can go back to edit the sections in wall e the move, the Financial Plan section in order to change the granger causality test accounts affected in the cash flow statement. The Financial Ratios section gives a general overview of the health of your business.

The report here is a read-only display. If you wish to change any of the information, you may do so by and Its Impact editing the relevant financial information youve 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 ability of the business to meet its obligations, or paying off what it owes in debt.

The Profitability Analysis shows the causality overall performance of the company in its ability to make a profit. The ratios show how much of sales revenue is actual profit after taking costs and expenses into account. The Debt Ratio shows how much of the businesss assets are financed by debt and how much of the businesss assets are financed by stockholders equity. The Investment Measures show ROI (Return on Investment) which is the percentage of the wall e the move return (net profit) of the business divided by the cost of the investment. The most common method of calculating ROI is to granger test, divide net profit by wall e the move total assets. Finishing these chapters represents a massive achievement in completing your business plan. It is by far the most difficult chapter, as it requires doing somewhat complicated math to generate accurate financial statements.

In all likelihood, you will need to hire an expert or accountant to help you create an accurate and detailed plan that adheres to realistic outcomes. To finish it off, youll need to causality, write an appendix and a glossary of terms. Thomas Hap! Your appendix will be a more detailed version of the financial statements detailed in this chapter, and causality, 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 dont know how to write a plan? We have a sample database of in the north plans that you can look through to granger causality test, learn the different chapters and sections necessary to attract equity investments and loans. Although our examples are specific to each industry, keep in Impact Essays, mind that every plan will be unique depending on your location, your customer base, and your own vision, so these will only serve as a starting point for you and granger causality test, your dream. Click the images to view our full business examples. 4. Alexander Fist Father! The Pros and granger causality test, Cons of Downloading a Business Plan Template. 1. Hardy! Write with confidence you wont be forgetting any important information. Using this free template can help you write your own plan, without the hassle of figuring out granger, how to order your chapters, or the worry of feeling like you might be missing a section.

We provide the fist of the entire bare bones skeleton of a business plan within this Microsoft Word .doc download. After you download it, its up to you to flesh out the granger details and ensure that each section is as well researched and intelligently conceived as possible. 2. Step-by-step writing guide and writing samples included. Our plans come with a complete how-to guide with examples from piaget object permanance our professional business plan samples to help steer you through your writing. 3. Completely free no hidden costs, just download and start writing. This plan is test completely free.

You may encounter other people or websites on thomas hardy, the Internet charging a price to download the causality guide. And Its Impact Essays! Do not purchase them there is no benefit at all to purchasing a pre-fabricated plan. None of the information will be relevant to your company, and youll be gaining nothing but the order and structure of the plan something that you could easily research and re-create on your own. Sound good? Keep in mind that while this guide may give you a better idea of how a it should be structured, that represents only about 5% of the heavy lifting of writing an actual the complete document. Dont forget that every plan needs well structured elevator pitch. 1. Youll have to do complicated business planning math and calculations yourself or pay an expensive rate for someone else to do them.

Youre going to have to do the granger test financial calculations, plans, and forecasts that a plan should offer to wall e the move, attract investment all by yourself. Creating these sections requires years of test training, math skills, market knowledge, and investment savvy. This requirement is beyond the scope of most peoples abilities, which is wall e the move why entrepreneurs turn to causality, professional writers and piaget, accountants to do the heavy lifting for them. Keep in mind: You may have a brilliant idea, but until youve subjected your product/service to meticulous research, and granger, calculated your potential market as conservatively as possible, your business idea will be nothing but empty words and blather to a seasoned investor. 2. Youll need to manually create visual graphs and charts to make the calculations easily understandable. Youll need to take the numbers you calculated and create attractive graphs, charts, and tables for your plan.

Making your data attractive and object, easy to granger test, comprehend is no easy task. Professional planning software can not only do the calculations for you, but will also turn them into wall e the move 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 wont allow you to track your business progress. You wont be able to keep your companys information up to granger test, date easily. One of the major benefits of using software is that you can continually update your numbers based on 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 download this document and get started with writing out your product/service concepts and marketing plan. If or when you encounter the financial sections, well be looking forward to thomas hardy, 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 test, 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 does not provide legal advice or legal representation. All information, software and services provided on the site are for Impact Essays, informational purposes and granger causality test, self-help only and are not intended to be a substitute for a lawyer or professional legal advice. Use of this site is subject to our Terms of Use.

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How to Quantify Your Career-Job-Work-Life Accomplishments for Employers. Employers and others who evaluate individuals based on their accomplishments love to see numbers. This article explains how to quantify and monetize accomplishments wherever possible. Its a step toward enhancing and optimizing what we call your AccomplishNuggets. As many achievements as possible should be measurable, especially quantifiable. One recruiter advises metrics or results for at least 40 percent of your resume bullet points for each job. Anytime you can quantify your accomplishments, you give them more credibility, said another. Dont despair, however, if you cant quantify as many accomplishments as youd like. Subjective results are well accepted, too, Allan Hay writes in his book Memory Mining , Employers simply want to know if you are someone who will contribute to their organizational goals and objectives. Most people dont quantify their accomplishments, though. Scot Herrick, of the blog Cube Rules, coaches clients to attach metrics to their achievements. Asked to test produce a single number that would show they increased productivity, I get crickets, he writes. When it comes to what accomplishments, numbers talk, asserts Sharon Graham of Graham Management Group, a Canadian firm specializing in test career transition strategy for hardy six-figure professionals. Recruiters who are scanning resumes typically notice and hone in on digits. Graham cites the granger causality test, elimination factors that provoke employers into rejecting candidates.

One such factor is lack of measurable accomplishments, as she affirmed when she conducted a research study to evaluate 1,000 randomly selected resumes. There is thomas hardy hap, much literature available to job-seekers, Graham says, explaining how to quantify their accomplishments, yet most are still missing this point. In our sample, almost none of the resumes included adequate measurable achievements reflective of granger a six-figure professional. Metrics are perhaps the piaget, most effective way to highlight successes and attract the attention of recruiters. Metrics is the granger test, language of business, says executive branding expert David Topus in what abolished in the north Making Your Resume Recruiter Ready, an ExecuNet publication. Anything thats measurable and has metrics associated with it is causality test, high impact. If metrics is the language of business, dollars are the holy grail of business-metrics language. Fist Of The Guide? Show us the money, says one recruiter. Causality? Dr.

John Sullivan adds that characterizing the dollar impact of Essay Fluctuation of Price in a Country your accomplishments on the organization can be a key differentiator. Developing Metrics for Accomplishments. This list of metrics is not exhaustive but will give you a good idea of the kinds of numbers employers and other audiences seek: sales volume, number of items/units sold (and ranking in comparison with peers and granger causality test compared to previous years performance, competitors, counterparts, forecasts/projections, industry trends, percent of quota) dollars and percentages tied to other types of revenue-generation contracts/bids won increase in fist father market share increase in profitability increase in test shareholder value numbers of customers served numbers of customers retained numbers, percentages of internal performance benchmarks achieved number of direct reports, number of people managed number of people youve hired size of teams youve led amount of money youve saved monetary budgets/funds saved percentages by thomas hardy hap, which youve improved efficiency numbers of anything youve done in great quantity, such as repairing many pieces of equipment process-improvement percentages cost-containment as compared to industry averages number of times selected as team or project lead timeframes of accomplishments, especially when you exceed deadlines or expectations how you rank in performance; for example, you are the No. Granger Causality Test? 1 performer or in the top 10 percent number of awards number of publications number of successful grant applications. Be sure to provide context. Some numbers have little meaning unless they are compared with other numbers. Take this resume bullet point from a vice president of sales, for example:

Directed 12-person sales force to $15 million in sales while simultaneously bolstering sales in own territory from guide, zero to $2.5 million. The second half of it is excellent because it compares the zero sales initially to granger causality $2.5 million (even better would have been to include the amount of time required to achieve the $2.5 million in sales). But the first sales figure, $15 million, doesnt mean much because it lacks context. 9/11 And Its Impact? Is $15 million good? Compared to what?

The job-seeker should have provided, for example, the granger causality test, sales figures from before he was VP of sales. Another tip about numbers: Some accomplishments involve a range of on CPI: Fluctuation and Services in a numbers. Lets say over the span of time in which you worked in granger causality a given company, you managed between 15 and in the 75 employees. Or lets say youve managed budgets ranging from causality test, $750,000 to $5.2 million. Instead of piaget giving the range, leave off the number at the low end and say: Supervised up to 75 employees.

Managed budgets of up to $5.2 million. Those statements are completely honest, but youre placing in front of your audience the test, more impressive high number. My personal preference is for a clean, uncluttered resume, so I prefer to spell out percent, rather than use the wall e the move, % sign and causality abbreviate large numbers as, for example, $5.2 million, instead of $5,200,000. Rick Gillis, however, writes in thomas his book, Job! , that symbols and zeroes jump out at employers. Measuring Percentages of test Improvement. You can use percentages as a metric to show how you improved virtually anything. 9/11 Impact? If you improved something 3 percent while everyone else was down 15 percent or more, you can sell this achievement, notes consultant John Groth. How do you come up with these percentages? In many cases, youll have to estimate, which is acceptable, says Sullivan, as long as you can explain your logic. Granger Test? Sullivan offers this example: Implemented changes to the - process that resulted in a 32 percent increase in output with no noticeable impact on quality.

Framing Accomplishments that are Difficult to Quantify. The lament of many of the wall e the move, clients of granger test Darlene Zambruski encapsulates the issue of wall e the move hard-to-quantify accomplishments: I dont have any accomplishments, especially quantified accomplishments. But as author and career-coach educator Susan Whitcomb points out, the granger, work of most people has an impact on the bottom line; if it didnt, their job security would be in jeopardy. Figure out a way to tie it to the bottom line, Whitcomb advises. One way Zambruski connects her clients accomplishments to the bottom line is to ask them: If you were to quit today, how many staff would your company need to replace you? Invariably, Zambruski reports, they answer two. Zambruskis response: Lets say youre paid $60,000 annually. If youre doing the work of two people, each paid $60,000, youre saving your company $60,000 annually. Thats an accomplishment. Some people feel they must be in very high-level jobs to be able to piaget permanance quantify accomplishments. But as Gillis writes, an administrative assistant or person working in the skilled trades can focus on how he or she added value by working smarter, faster, and test more efficiently.

My partner Randall Hansen suggests deeply probing into every aspect of wall e the move your job for aspects you can quantify. Asked by a security officer, for example, how to attach numbers to his accomplishments, Hansen advised quantifying the number of hours, days, weeks, etc., without incidents; the number of hours of training and professional development; the causality, number (and types) of security devices/technology mastered; number of what abolished slavery in the security investigations successfully closed; and commendations (or other records of achievement) received. If you absolutely cant come up with numbers to attach to accomplishments, consider superlatives and firsts. Use words such as first, only, best, most, top, and highest. Here are examples, taken from resumes: Established for the first time Tokyos brand positioning in causality Japan, followed by piaget object permanance, design and granger causality test execution of thematic advertising strategy and thomas calendar, thereby raising the bar for ad agency; implemented consumer communication, PR strategies, and trade operational programs for causality test Japan. Became consistently top revenue producer; maintained distribution in region within top 10 nationally and was named Finalist, American Women in Radio and Television Awards. Led creation and development of first international sales and marketing materials for Europe. Final Thoughts: Avoiding Over-Quantification. Despite employers lust for accomplishments metrics, avoid communications so full of quantitative data that they are hard to read and understand.

When I surveyed hiring decision-makers for fist of the father guide a book I was writing about resumes, several cited overzealous quantification (especially in resumes, in which excessive use of numbers can hurt your documents readability) as a pet peeve. Numbers are critical, but well-chosen words and well-crafted phrases will also get your message across. Dont go overboard. Career and Work Accomplishments Section of Quintessential Careers. Find expert job-seeker accomplishments tools, resources, samples free expert advice about maximizing career accomplishments in this section of Quintessential Careers: Career-Job-Work Accomplishments Resources for Job-Seekers.

Questions about some of the terminology used in this article? Get more information (definitions and causality links) on key college, career, and abolished slavery north job-search terms by going to our Job-Seekers Glossary of causality test Job-Hunting Terms. Katharine Hansen, Ph.D., creative director and wall e the move associate publisher of Quintessential Careers, is an educator, author, and blogger who provides content for Quintessential Careers, edits QuintZine , an electronic newsletter for test jobseekers, and blogs about storytelling in the job search at A Storied Career . Katharine, who earned her PhD in organizational behavior from wall e the move, Union Institute University, Cincinnati, OH, is author of Dynamic Cover Letters for New Graduates and granger A Foot in piaget object the Door: Networking Your Way into the Hidden Job Market (both published by Ten Speed Press), as well as Top Notch Executive Resumes (Career Press); and granger causality with Randall S. Hansen, Ph.D., Dynamic Cover Letters , Write Your Way to a Higher GPA (Ten Speed), and piaget object permanance The Complete Idiots Guide to Study Skills (Alpha). Visit her personal Website or reach her by e-mail at kathy(at)quintcareers.com. Check out Dr. Hansen on granger causality test GooglePlus. Maximize your career and alexander fist guide job-search knowledge and skills! Take advantage of The Quintessential Careers Content Index, which enables site visitors to granger causality locate articles, tutorials, quizzes, and worksheets in 35 career, college, job-search topic areas. Building Tools That Build Better Work Lives.

Since 2005, LiveCareers team of career coaches, certified resume writers, and savvy technologists have been developing career tools that have helped over in the 10 million users build stronger resumes, write more persuasive cover letters, and develop better interview skills. Use our free samples, templates, and writing guides and our easy-to-use resume builder software to help land the job you want. Dr. Test? Randall S. Abolished? Hansen. Dr.

Randall S. Hansen is founder of Quintessential Careers, one of the granger test, oldest and most comprehensive career development sites on abolished in the north the Web, as well CEO of EmpoweringSites.com. Causality Test? He is also founder of wall e the move MyCollegeSuccessStory.com and EnhanceMyVocabulary.com. He is publisher of Quintessential Careers Press, including the causality test, Quintessential Careers electronic newsletter, QuintZine. Dr. Hansen is also a published author, with several books, chapters in books, and hundreds of articles.

Hes often quoted in the media and conducts empowering workshops around the thomas, country. Finally, Dr. Hansen is also an educator, having taught at the college level for more than 15 years. Visit his personal Website or reach him by email at randall@quintcareers.com. Check out Dr. Hansen on GooglePlus. Katharine Hansen, Ph.D., creative director and associate publisher of Quintessential Careers, is an educator, author, and granger causality test blogger who provides content for Quintessential Careers, edits QuintZine, an electronic newsletter for jobseekers, and blogs about storytelling in the job search at A Storied Career. Katharine, who earned her PhD in organizational behavior from Union Institute University, Cincinnati, OH, is author of Dynamic Cover Letters for New Graduates and A Foot in the Door: Networking Your Way into the Hidden Job Market (both published by Ten Speed Press), as well as Top Notch Executive Resumes (Career Press); and with Randall S. Hansen, Ph.D., Dynamic Cover Letters, Write Your Way to a Higher GPA (Ten Speed), and The Complete Idiots Guide to Study Skills (Alpha). Visit her personal Website or reach her by e-mail at and Its kathy@quintcareers.com. Check out Dr.

Hansen on GooglePlus. I AM A CAREER CHANGER This page is your key source for all things career-change related. Youll find some great free career-change tools and resources. Granger? Changing careers can be traumatic, especially if you have been in your current career for a long time, but you do not have to go through the process alone or [] Quintessential Careers: Career and Job-Hunting Blog.

Quintessential Careers: Career and Job-Hunting Blog Career and Essay on CPI: of Goods and Services in a Country job-search news, trends, and scoops for job-seekers, compiled by the staff of Quintessential Careers.The Quintessential Careers Blog has moved!! These pages remain as an archive of our previous blog posts. Please check out the new and causality test improved Quintessential Careers Blog for Job-Seekers and Careerists. Interview Advice Job [] The Quintessential Directory of Company Career Centers. The Quintessential Directory of Company Career Centers Where job-seekers can go directly to and Its Impact Essays the job/career/employment section of a specific employers Website.Because more and more companies are developing career and employment centers on their corporate Websites, Quintessential Careers has developed this directory, which allows you to go straight to the career and causality test employment section of the [] Quintessential Careers: I am a Career Coach or Counselor. The Quintessential Directory of Company Career Centers Where job-seekers can go directly to the job/career/employment section of a specific employers Website.Because more and more companies are developing career and employment centers on their corporate Websites, Quintessential Careers has developed this directory, which allows you to go straight to the career and employment section of the [] Mighty Recruiter Mighty Recruiter. Customer Service Customer Service. 800-652-8430 Mon- Fri 8am - 8pm CST.

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