spyder ski hats discount Should You Write Your Own Business Plan-






If you are just starting a company and looking for funding, or looking for additional funding for growth, you will need to develop a traditional business plan. Creating a business plan is a business hurdle that entrepreneurs seem to dread. Do you do it yourself? Do you hire someone to do it? How do you get it done quickly, but without spending too much money on it? Will what you do yourself be adequate to get funding,mens north face jackets cheap?In this article I will discuss the pros and cons of do-it-yourself business planning versus having a business planning consultant do it for you or with you.The Do It Yourself Business PlanParticularly if you are seeking capital of less than $200,000, consider creating the plan yourself after taking a class or reading some books or getting some coaching for someone who has written successful business plans.Consider taking a three-hour business planning class through SCORE or the local Small Business Development Center. Even if you decide afterwards not to write your own plan, you will have a much better idea of what you want out of the process and what to expect.There are some good reasons for an entrepreneur to do the business plan:
First of all, because you can. If you’ve read sample business plans and find their accounting jargon intimidating, you are not alone. But as long as you can clearly get your message across and have other people such as you accountant look at the plan before it goes to lenders or others, you can do this work yourself.

It is in learning the business planning process that you develop analytical thinking skills necessary to run your business with an intimate understanding of your own business model. Going through the planning process is an invaluable business experience.

You need to know the plan inside and out and really understand the variables involved. You are the one who will be asked the tough questions by potential investors or lenders, such as “What will you do if only half your expected revenue comes in?” or “What will you do if you find out that direct mail is not working for you as your primary marketing tool?”

Outsourcing the Business Plan ProcessEntrepreneurs are fire fighters. One of the most important jobs of an entrepreneur is to manage time, and do those things that you are best skilled to do. Many entrepreneurs decide to hire someone else to do their business plans,spyder ski hats discount, often because they have an urgent need for the funding and can’t afford the learning curve to be able to develop a high-quality plan that will meet the needs of lenders or investors.In addition, if your funding requirements are more than $500,000 my recommendation is to get some professional help with this project, even if you do some of it yourself.Some reasons to consider hiring a consultant:
It will get done! Business planning is done much faster with someone who knows the process. Every entrepreneur has good intentions about getting plans completed, but months later they still haven’t done all the work. Planning should be high priority work, but it is hard to get to when customer calls and employee problems require immediate attention. The sooner the plan is completed, the sooner funding can be attained. And the price of hiring the consultant will be small in comparison with the increases in growth and profitability of the business.

It will get done in a way financial professionals will respect. Business planning is done better by someone who knows how finance people look at plans and what they will and won’t question. Once you’ve been through the business plan process many times, you know what it takes to get funding – what to emphasize and what to play down.

The consultant’s objectivity will allow for non-emotionally-based projections and expectations for the business. A consultant will be much more objective in the process and question your assumptions, making it less likely that the business will have problems after the funding comes in.

No matter what, don’t let a business planning consultant talk you into putting any information into your plan that you aren’t comfortable with. If it doesn’t look right to you, it probably isn’t. It is your business, and you will be stuck with the plan long after you’ve paid the consultant’s bill. Make sure it is the plan that you want, one that matches your goals and objectives, and captures the way you look at business and the spirit of your company.If you do decide to hire a business planning consultant, here are some of the important questions to ask to make sure you get the greatest value from your investment:
How many business plans have you written for my type of business? How many of them were funded?

How much time will you need of mine during the planning process?

When will the plan be completed, and how many drafts should I expect to see and have the opportunity to comment on?

Will you be writing the plan yourself or do you have associates who do the work with you?

Will there be an opportunity for you to present the plan or for me to present the plan to my other advisors before the final draft is done?

How do you work in collaboration with my partners and advisors so their input is taken into consideration during the writing of the plan?

Do you do the market research and the financial spreadsheets, or are those things done separately (and charged for separately)?

Does your price include revisions or customization for certain types of funding (to include different information needed by investors versus lenders)?

Does your price include coaching to prepare me to talk with lenders or make financing presentations?

Will I have an electronic version as well as a hard copy version of the final plan (so I can make changes later if I need to)?

The Optimum Solution: A Blended ApproachAt best, the planning process should not be at either end of the spectrum, but squarely in the middle. In my experience, plans that win funding come from a true collaboration between a skilled consultant/facilitator and the entrepreneur’s team of employees and advisors.A business planning consultant can act as a coach, first assessing the job to be done, and then recommending who is best to do it. The business plan should be a compilation of work between the vision and goals of the entrepreneur, the technical understanding and expertise of his or her accountant and other professionals, a consensus of employees or others, and the research and writing abilities of the business planning consultant. The consultant should meet with all parties involved, talk about what is needed for the plan,mens moncler vests sale, and use all the resources available to get the work done as quickly and cost effectively as possible. It is the consultant’s responsibility in the process to take all the pieces and make the final plan into a readable, accessible document that will stand up to investor/lender scrutiny.My final caveats:
Don’t pay more than a few thousand dollars for a plan unless you are looking for capital of well over $1 million. I have heard more than a few horror stories by people who have hired university professors assuming they are the experts (they aren’t) and paying tens of thousand of dollars for a poorly written or incomplete plan. Ask your banker for business planning consultant recommendations, or better yet, talk with someone who had a good experience having a business plan written for them. It is reasonable for a consultant to expect you to pay half of the fee up front and the other half at the completion of the plan. And you can’t hold the consultant responsible if you don’t get funding based on the plan – too much is based on your own credit and management skills.

Don’t expect to get a finished plan that is a roadmap of everything you need to do to have a successful business. That isn’t the purpose of the business planning process. A traditional business plan is intended only to document your strategies for the business very briefly – but well enough to get funding. If you are hoping for something that will tell you how to market or how many people you need to hire, you will have to start with a deep strategic planning process, and probably buy lots of consulting time to get you going.

Don’t expect a great a business plan from a poor business model. If your costs are too high to make your business profitable, the business planning process will help you discover that. Then it will be up to you to make the hard decisions about changing your costs structure to make the business work. The business planning consultant is a skilled professional, not a miracle worker. A good business plan can help you highlight your strengths and minimize your weaknesses, but it cannot make an unworkable business model into a thriving business.

And one final thought: Don’t go on to start a business or make changes in your current business if everything in the business planning process tells you it won’t work. Things don’t get better out in the real world if they don’t work on paper. Deal with the weaknesses – get more training, consider product redevelopment, or have a home-based business to reduce costs until you can sustain the rent for an office. Businesses fail finally because they’ve run out of money. If your plan tells you that you can’t make enough money to make the business work for the long run, pay attention to that reality.


Related articles:

mens moncler vests sale Which Takes Prominence – Service to Others Or Monetizing Business Activities-






Based on my observations, when business owners focus on making money first, service to others often suffers. However, when those same business owners shift their focus instead to “service first,spyder ski pant for women,” the ideas and money seem to flow much easier.Why?I cannot say definitively because many factors are involved, but let’s explore what’s behind each approach.Money firstUntil we live in a society in which each person takes only what s/he needs and gives in equal measure based on individual abundance, choices, talents and strengths (this is the subject of a very different article,north face jacket for kid!), we all agree cash money is the method of exchange for goods and services.Okay. With that said, when we approach business with a “how can I monetize my _______________ (ideas, newsletter,mens moncler vests sale, information, Web site, expertise, etc.)” mindset, inherent is a myopic perspective. Our viewpoint is so narrow, we limit ourselves without even realizing it. A “Money first” mentality can only ever deliver money first… above everything else. Service takes its place as a second priority, if at all.Service (and people) first When we grow business based on how we can best serve others and that is the heart’s true desire, a spiritual/magical element is introduced to facilitate our success. It not only allows us to achieve our money-based goals, but it does so in a much more creative and supported fashion. On some level it just “makes sense” and “feels better” based on recent energetic and cultural reprioritizations around money.A “Service and People first” mentality delivers results and relationships. Money and deep fulfillment just seem to follow organically.There’s nothing wrong with money. Depending on your personal relationship with money, though, it can be hard to generate more by focusing exclusively on money first. What makes the process easier is opening up to greater possibility. It begins by asking yourself…How can I best serve others with my efforts?A simple shift in thinking is all that’s required. The result is a beautiful fusion that meets both economic needs and philanthropic desires.


Related articles:

mens moncler vests sale Tips When Starting Your Own Business






Starting a business is the dream of many entrepreneurs today. It can be both the most rewarding and frightening step you have ever taken in your life. You do not need to do it all on your own, however. Whether you have been contemplating taking this step for years or the thought is a fresh one in your mind, you should understand some tips when starting your own business. Before you do anything more, take out a pen and paper and write down a business mission statement. What do you hope to accomplish by starting this business,spyder ski gloves discount? The reason so many businesses fail within the first year and many more within the following five years is a lack of motivation because there was no mission statement established when the business began.A common mistake many new business owners commit is that they go into business with the mindset of opening a small business that they hope will someday grow into something more. You must start a business and treat it like it is already big. Document everything and utilize a strategy that will transition effortlessly into a larger business situation,kids spyder ski pants online. This is important in preventing your business from losing steam in its infancy,mens moncler vests sale.Other than establishing a business plan, you must ensure that your idea will flourish by setting up shop in a sensible location. Ice cream will not sell well in Antarctica. This is obviously an extreme example, but determining the best demographics of the area you want to start your business will take a lot of research and consideration. Finding a need in an area and being able to fill it is what will make a business successful from day one.Something you must know is that your business will not make you a profit within the first year. In fact, with incurring debt that comes with starting a business, you may not begin making a profit for several years. This is another reason so many small business ventures fail. The owners become discouraged and are afraid of losing more money, so they drop out before they get to see where their business could have taken them. While it is another requirement for spending more capital, marketing investments are essential in the success of your new business. Many owners fail to invest enough in this category and they fizzle out because their potential clientele did not even know they existed. Do not let this happen to your new business!


Related articles:

womens spyder ski jacket Tips for Buying Electronics- The Right Seller and the Right Price






Thousands of retailers, big and small, sell hundreds of different electronics products made by a variety of manufacturers. Computers, digital cameras and camcorders, mp3 players, stereo systems and components – you have many choices. As a consumer it’s hard to know what’s the best product for your needs and where to buy it. Here are tips that can help you buy the electronics that are right for you.Buying a TabletIf you are looking to buy a tablet that is compatible with Android 2.2,mens moncler vests sale, Consumer Reports suggests you look for features such as these:-Display that can change from portrait to landscape;-On-screen QWERTY keyboard;-Home, Menu,womens spyder ski jacket, and Back functions always usable;-Rear-facing camera of at least two megapixels;-Bluetooth;-Way to upload software;-Computer connection via USB port; and-GPS, compass, and accelerometer.Buying a Surround Sound SystemIf you are in the market for a surround sound system, you have many options, almost too many. If you don’t do some research before you buy, you may waste a lot of money on equipment that doesn’t fit your needs. With surround sound each of several speakers takes different parts of the original recording and turns it into sound. The standard stereo system has two speakers, and is called “2.0.” Common surround sound systems have five, six, or even seven speakers. Most of these systems have one subwoofer, which play very low frequency sounds. When you see a system referred to as 5.1, which means it has five speakers and one subwoofer. Understanding the terminology is just the beginning of your pre-buying surround sound education.Buying HeadphonesWhen it comes to buying headphones, the most important considerations are the components you plan to use the headphones with and where you plan to use them. Make sure, for example,mens north face jacket, that the jack on the headphones is compatible with your system. And remember that headphones designed for home systems are not the same as headphones for portable systems like mp3 players.If you plan to use your headphones while bicycling in traffic, for example, you should not buy noise-cancelling headphones because you need to be able to hear background noise for safety reasons. But if you want to listen to music while someone in the same room is watching television, noise-cancelling headphones may be the perfect choice.You should look for the style you find most comfortable: over the head, back of the head, or ear bud. Weight is another comfort issue: if you expect to wear the headphones for long periods of time, the lighter the better.Where to BuyOnce you have done your research and know exactly what you want, you can start shopping. Most people decide where to buy based on price, but don’t forget to add in any shipping costs (some online stores ship for free), convenience (Is it worth driving 50 miles to save $25?), return policy, consumer satisfaction ratings, and warranties.When it comes to electronics, it’s a buyer’s market. Take the time to educate yourself about the products so you can make wise purchasing decisions. Then compare prices and other considerations. That’s how you will get what you want at the best possible price.


Related articles:

kids north face jackets Quick Overview of Portable MP3 Speakers






There is a wide variety of MP3 players speakers in the market today, which is brought about by the popularity of MP3 players over the past years. Various brands are rising to grab the attention of the consumers while some are losing their place in the market. They come with different size s and shapes to fulfill the trend of the world.As opposed to the typical external MP3 or MP4 speakers that are large and are great alternative to home stereo systems, the other types of portable speakers are created and designed thinking about its portability,kids north face jackets.• The portable MP3 speakers are either very small or can be folded up so that you can bring it with you anywhere you go,womens spyder ski suits cheap.&bull,mens moncler vests sale; These MP3 player speakers are also run on batteries, which mean to say that whether you are away from the main power grid you can still use it.• One of the downsides of having MP3 portable speakers is that the sound quality tends to be weaker and not really exceptional when it comes to qualities.• More often than not, these speakers have high volume distortion and weaker sound effect. That is why it is necessary to choose the reputable brand.But the upside to it is that you can get to bring your music anytime anywhere with you. Gone are the days when you have to spend too quiet times on the beach. With portable MP3 speakers, you can listen to your music while you are sunbathing, exercising or playing around with your friends.


Related articles:

spyder ski gloves online The Secret To How To Get Sales Prospects Everyday Without Paying For Them-






Most business owners are desperate for ways to get sales leads and keep their businesses booming if not surviving specifically in the present economic conditions. They search everywhere for any tactics they can use to attain targeted potential prospects. But how can you obtain these leads on a daily basis and not break the bank? This is how I get at least 100 or more new prospects a day without ever paying for them.1,mens moncler vests sale. Have in place a well optimized website with an enticing opt-in web form that will capture prospects information. This form can be tailored to your specific needs. You could ask for as much or as little information as you would like. It is more effective to ask for very little which will yield you more leads because you’re really not asking your prospects for a lot of personal information. In most instances, the name and email address is enough to start building your list of prospective clients. There are many auto-responding companies that are easy to use for this purpose.2. Get to know the other companies in your industry but not necessarily your direct competitors. After you have established a relationship with these companies, ask to swap out their mailing list with your mailing list. This is a great way to market your product to their customers that may need your product as an add on or an addition to the company with whom you are swapping list. If you can offer their customers something special without being in direct competition, it will work for both your companies.3. Find a lead generating tool to use on a daily basis. A lead extracting tool can help to extract essential information from a wide variety of directories and search engines with just the push of a few keys. This lead generating software gets business listings information that includes business name, location, phone number, as well as email address with just one click. This is a user-friendly and uncomplicated, innovative tool for supporting companies secure sales prospects. You can key in a keyword and search web directories just like Craigslist, Google, Yahoo,spyder ski gloves online, and many more. The software finds every company which is listed on these web directories and matches the search criteria. All the available prospect information is taken out and collected right into a list that’s instantly converted to a file format which allows for the printing of address labels and/or calling by telephone via phone blasting. There are only a few companies that offer the best software for this method,spyder ski suits for women, so do your research. Remember, no software tool is perfect but it can work very well if you know how it can work for you.Many companies that are at this time making use of these solutions have discovered that they were able to boost their product sales by as much as three to four hundred percent daily. All that they needed was to focus on a few techniques aimed at prospects and get to people who needed the products or services they offered.The good thing is that this is a totally secure means of getting leads. All the data gathered from these methods is obtainable today. This could help you save countless hours of searching manually for leads. And this will save you money on buying leads to find clients that may want to take advantage of what you offer.


Related articles:

spyder ski suits for women How Entrepreneurs Create Jobs






According to data released on May 6th, the U.S,mens moncler vests sale. economy added 244,000 jobs in the month of April 2011, which is one of the best monthly job gains in almost a year’s time. However, the U.S. economy has produced surprisingly little job growth overall, since the recession ended almost 2 years ago. This has clearly frustrated policy makers, who continue to maintain low interest rates and questionable government initiatives that seek to foster job creation.The Employment-Population Ratio, representing the percentage of the working-age population in the United States that currently holds a job. The ratio now sits at the same level that it averaged during the 1970′s, a time during which the unemployment rate was substantially lower that it is today.Government efforts to promote job creation have had little impact for one simple reason: the government cannot create private sector jobs, only private enterprise can create such jobs. Recent research by the Kauffman Foundation provides some additional insights into this subject. Specifically, utilizing data from the U.S. Bureau of Labor Statistics,spyder ski suits for women, the Kauffman Foundation recently demonstrated that all new jobs created (net of losses) within the U.S. economy for the past 35 years have been the result of new business formation. In other words, entrepreneurs create jobs. Interestingly, the data suggests that existing businesses are actually net destroyers of jobs, eliminating or losing an average of 1 million jobs per year since the 1970′s,cheap spyder ski clothing. By contrast, new businesses have created 3 million jobs per year, on average, over the same period of time.Intuitively, this makes sense. Many existing businesses downsize, fail, or are sold to other businesses. A business that downsizes or fails obviously destroys jobs, while one that is acquired is often consolidated, resulting in permanent lay-offs. Furthermore, existing businesses that are large and successful tend to have fewer growth opportunities to pursue and will often focus on productivity improvement strategies (such as outsourcing and offshore hiring) rather than to pursue domestic labor-intensive growth initiatives. However, by definition, new businesses start with no jobs whatsoever, so they can only be creators of jobs.In order to understand why the current job market is so poor, we need to examine the recent history of new business formation. So, are new businesses being created in the current economic environment? Well, yes and no. According to data from the Bureau of Labor Statistics, the U.S. has had zero cumulative new businesses added during the past 6 years. Since 2005, for every business that was born another business has died.The Kauffman Foundation research highlights an important issue that needs to be understood by policy makers: new jobs can’t be created unless new businesses are created first. Government policymakers should stop trying to “create jobs” and instead promote policies that will allow entrepreneurs to “create businesses.” Under normal economic conditions, it would have been the new businesses created during 2009 and 2010 that would have provided much of the post-recession job growth. However, the recent recession and credit crisis were particularly hard on small businesses, many of which were wiped-out or were never born at all. As a result, the economy has been lacking the one critical ingredient needed for job creation and this is why growth in the labor market continues to be lackluster, despite two years of economic expansion since mid-2009.Given subdued domestic demand from consumers, increasing regulations in many industries, limited availability of bank credit, reduced availability of equity capital, uncertainty over future health care insurance requirements and the prospect of substantially higher tax rates, it remains to be seen if the U.S. economy will return to the level of entrepreneurial activity and risk-taking that is necessary for new businesses to be born, to flourish, and to create the new jobs that will finally lead to a meaningful improvement in the employment situation. It is encouraging to see that 2010 resulted in a positive, albeit small amount of new business formation in the U.S. economy. Net business formation in 2011 is almost certain to be positive as well, so there is reason to be optimistic.If you happen to have a friend or relative who is taking a risk, putting their own career and money on the line and starting a new business, you should thank them for their contribution to the economic recovery. Such entrepreneurial activity will do more to foster domestic job creation than any government stimulus program or low interest rate policy could ever hope to accomplish.


Related articles:

mens moncler vests sale The Problem With Customer Service






What is the problem? There just isn’t enough of it going around. It’s too bad that it can’t be more like cold and flu season- impossible to avoid. I am constantly disappointed with the lack of care businesses take with their customers. If I’m paying for a product or service, I expect a certain amount of support to go along with it. Is it really too much to ask,mens moncler vests online?What can you, as a business owner, do to improve customer service? There are a number of things, most easy to implement:-Offer money back if they aren’t satisfied-Listen-Deal with complaints and resolve problems quickly-Personalize your website (and make it easy to navigate!)-Monitor calls to improve service-Be helpful and take the extra step. Walk them to aisle three,womens spyder ski suits online, don’t just point them to it-Don’t make promises you can’t keep,mens moncler vests sale. If you say it will be here Tuesday, make sure it’s here Tuesday-Answer the phone, or hire an answering service. People want to talk to a live person.Of course, there are many more. Just think of ways you like to be treated when you are a customer and act accordingly. The Golden Rule applies, and it need not cost a lot, if anything. Listening is free! Good customer service will keep old customers coming back, and bringing new ones in. Word spreads, and soon your business will be known not just for what it sells, but for the wonderful service you provide.


Related articles:

kids moncler vests cheap Pink Diamond Ring






There is a pink diamond ring that just screams of admiration and true love is something,mens moncler vests sale. It is very beautiful colors, or maybe the fact that the color of the diamonds may be unique, but the diamond is really something special.Pink diamonds are rare and beautiful. It makes for the perfect ring, but there are things to remember when it was just as expensive as buying something unique,kids moncler vests cheap. These diamonds are more expensive and more casual than their counterparts. So make sure that the diamond you want to buy the real thing. A leading gemologist retailers to verify and certify that you bought diamond is real. There are many different shades of pink diamonds available in a light pink to dark colors that look almost red in color ranging from orchid Moussaieff Red,womens north face jacket, and often the price of diamond depends on the color intensity.Pink diamond ring around a number of different standard sizes ranging from more exotic shapes like hearts, are available to measure. A form that is both unique and beautiful as the ring will add personality and that special someone to show that you took time and effort to get to choose the perfect ring.One important thing to remember when purchasing these rings is an institution. As important as fixing the diamonds and can add to its beauty. A setting that matches the color of the diamond shape and improves elect its beauty. A large number of these that a good way to get many different options are explored before a decision can be found in. SeeOne of these rare gems to buy one, know that you have to pay a much higher price, so one of them for yourself is important. Because of their rarity and beauty, these diamonds are very expensive and it’s a good idea to shop around for one that both your taste and your budget will get fit.After purchasing a pink diamond ring gem you can think about insurance. These diamonds are they so easily changed due to the high cost should they be stolen. Ensure that they do, knowing that nothing should give peace of mind, for you to get a body on the black market to sell not have to change.


Related articles:

mens spyder ski pants sale Effective Tips For Upselling in Business


,womens north face jackets cheap



It does not matter whether you run a brick and mortar business such as an appliance store, or an online business that sells baked goods, upselling is a great technique that has been around for decades that adds revenue to your business.Upselling is the practice by which when you offer to the customer something else on top of what they are already buying. Chances are you have experienced upselling at some point in your life and if you have hit McDonald’s, Burger King, Wendy’s or any one of the many fast food restaurants in the world then you have definitely been exposed to it.Picture this. You are going through the drive through of your favorite burger place and you order a burger, fries and a drink. Then the person on the other end says, “would you like to add an apple to that order?” or “Would you like to make that a large for only twenty cents more?” That my friend is upselling!It is the process by which the business can get a few extra pennies (or dollars) out of customers that are already buying from them. The customer is already there and what a better way to maximize your profit then to sell more of your product or service to them.Here are a couple of ideas you can use today in your business to generate some extra revenue.As listed above offer the customer a larger size of what they are ordering for only a few pennies more. This works great in restaurants. If you run an online business before they checkout offer an additional complimentary product for a reduced cost,mens spyder ski pants sale. For example lets say they order a lamp, you could offer them energy efficient bulbs at a reduced cost. A cost they normally would not get had they just ordered the bulbs.A friend of mine runs a home renovation business,mens moncler vests sale. When business is slow he asks customers if they would like to add on a room to be painted for ½ the price of what he would normally charge. So for instance if he charges $250 to paint a 12×12 room, he will say since I am doing “this job” if you have a room to be painted I can do it for $125. These are just hypothetical numbers of course. He can do this because the cost for his travel, gas etc., is will be less since he is already there working at that particular place.Whatever you are in business for you can definitely implement an upselling strategy to maximize your profits.


Related articles: