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	<title>Business Investment Plan</title>
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	<link>http://businessinvestmentplan.com</link>
	<description>Strategic Planning in Developing Your Business Plans</description>
	<pubDate>Thu, 25 Feb 2010 06:00:15 +0000</pubDate>
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		<title>Looking for Church Supplies?</title>
		<link>http://businessinvestmentplan.com/looking-for-church-supplies</link>
		<comments>http://businessinvestmentplan.com/looking-for-church-supplies#comments</comments>
		<pubDate>Wed, 10 Feb 2010 04:30:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[chapels supplies]]></category>

		<category><![CDATA[christian supplies]]></category>

		<category><![CDATA[church materials]]></category>

		<category><![CDATA[church supplies]]></category>

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		<description><![CDATA[Church supplies are important items needed by the church. However, do you know where you can actually purchase them?]]></description>
			<content:encoded><![CDATA[<p><a title="Church Supplies" href="http://www.bibleknowledgebookstore.com/church-supplies.html">Church supplies</a> are important items needed by the church. However, do you know  where you can actually purchase them? </p>
<p>If you are not sure where to get  them, there are two places that you can visit to find these supplies. You can  either go look for it online or look for it in Christian shops  locally.</p>
<p>First, you can visit a nearby Christian shop and inquire if they  sell the church material that you need in bulk. For example, when you shop for a  Bible, inquire if they can give you a quote and check the sample Bible that they  have to know about the quality. </p>
<p>Look for other companies and don&#8217;t just  go for one. Doing this will help you get a good baseline on what materials you  need and pick out the shop that will provide the most competitive  rates.</p>
<p>Buying church items this way can take time, but it should not be a  problem if you don&#8217;t mind the effort.</p>
<p>Your second choice would be to look  for wholesalers online. All you need to do is type in the right keywords and a  list of wholesalers should pop up.</p>
<p>All you need to do is pick out about  two or three companies and compare the prices that they offer. If its possible,  inquire if you could get a sample so that you can gauge the quality as  well.</p>
<p>Moreover, consider the price. Wholesalers usually give discounts  since the materials are bought in bulk, so inquire about it and get great deals  on church supplies.</p>
<p>Article by Chris Bradley, get special discount on <a title="Church Supplies" href="http://www.bibleknowledgebookstore.com/church-supplies.html">church supplies</a> now!</p>
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		<title>The Importance Of A Good Photography Business Plan</title>
		<link>http://businessinvestmentplan.com/the-importance-of-a-good-photography-business-plan</link>
		<comments>http://businessinvestmentplan.com/the-importance-of-a-good-photography-business-plan#comments</comments>
		<pubDate>Mon, 12 Oct 2009 06:31:58 +0000</pubDate>
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		<category><![CDATA[General]]></category>

		<category><![CDATA[investment management business plan]]></category>

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		<description><![CDATA[The photograph business is one of the most interesting of all businesses, and one of the businesses that has undergone one of the most enormous changes in recent years.
With the falling prices and increasing sophistication of digital cameras, digital photography is rapidly making inroads into the world of the professional photographer.
==Incorporate Plans For Digital Photography==
This [...]]]></description>
			<content:encoded><![CDATA[<p>The photograph business is one of the most interesting of all businesses, and one of the businesses that has undergone one of the most enormous changes in recent years.</p>
<p>With the falling prices and increasing sophistication of digital cameras, digital photography is rapidly making inroads into the world of the professional photographer.</p>
<p>==Incorporate Plans For Digital Photography==</p>
<p>This means that any<span id="more-163"></span> successful photography business plan will need to incorporate plans for digital photography.</p>
<p>Even if you do not plan to go digital right this moment, it is important that the photography business plan include plans for future growth and expansion, and this will most likely involve at least some digital photography.</p>
<p>==Include Detailed Financial Information==</p>
<p>It is also important, of course, that any business plan for a photograph business include detailed financial information, such as the funds needed to buy equipment, advertise the business effectively and rent or buy office space.</p>
<p>==Capital Investment You Will Need May Vary ==</p>
<p>The capital investment you will need will vary according to what type of photography business you plan to open.</p>
<p>For instance, a photography business that focuses on bringing customers in and photographing them on site will of course need more office space than will be needed by a photographer to travels to sporting events, schools, workplaces and sporting events.</p>
<p>It is important that the photography business plan you prepare reflect these differences.</p>
<p>==Lay Out Exactly How Your Business Will Succeed==</p>
<p>It is also important that your photography business plan lay out in detail exactly how your photography business will succeed, and what sets it apart from the rest.</p>
<p>That is because your business plan is your foray into the outside world, and it is likely to be the very first document any potential investors will want to see.</p>
<p>==The Lender Will Want To See Your Plan==</p>
<p>Whenever you need financing for your photography business, whether it is startup funding or money for ongoing expenses and expansion, the lending institution and investors will want to see your business plan, and evaluate it carefully, before deciding to loan you money.</p>
<p>It is important that your photography business plan include your plans for future growth as well as information on your current financial health.</p>
<p>Shaunta Pleasant is a professional web writer and editor on business plan topics. Visit my site to learn more about writing a business plan at <a href="http://www.business-plan-made-easy.com/photography-business-plan.html" rel="nofollow" target="_blank">http://www.business-plan-made-easy.com/photography-business-plan.html</a></p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Shaunta_Pleasant" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Shaunta_Pleasant</a></p>
<p>Author:&#160;Shaunta Pleasant</p>
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		<title>The 8 Parts of a Business Plan Equal One Big Success</title>
		<link>http://businessinvestmentplan.com/the-8-parts-of-a-business-plan-equal-one-big-success</link>
		<comments>http://businessinvestmentplan.com/the-8-parts-of-a-business-plan-equal-one-big-success#comments</comments>
		<pubDate>Sun, 11 Oct 2009 06:32:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[General]]></category>

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		<description><![CDATA[How ever you count them up, the basic parts of a business plan are pretty similar from plan to plan.&#160;Here they are.
1. COVER
Is the cover of the business plan really part of it?&#160; Good grief, guys.
Yes, it is.&#160; Just as the cover of any magazine is part of it.&#160; Or the cover of any annual [...]]]></description>
			<content:encoded><![CDATA[<p>How ever you count them up, the basic parts of a business plan are pretty similar from plan to plan.&#160;Here they are.</p>
<p>1. COVER</p>
<p>Is the cover of the business plan really part of it?&#160; Good grief, guys.</p>
<p>Yes, it is.&#160; Just as the cover of any magazine is part of it.&#160; Or the cover of any annual report.&#160; It is absolutely true that the same chocolate eclair can be inside a plain box, but<span id="more-162"></span> I will pick the box that says &#8220;Scrumptious, made just for you, utterly delicious French chocolate eclair.&#8221;</p>
<p>2. EXECUTIVE SUMMARY</p>
<p>This is the one page masterpiece that tugs at the reader&#8217;s interest.&#160; Include important contact information, as well as the nature of the loan/investment.</p>
<p>3. TABLE OF CONTENTS</p>
<p>Most people would not consider this a real part of a business plan, but it is.&#160;Without it, the plan looks very amateurish.&#160;</p>
<p>4.&#160;INFORMATION ON THE COMPANY ITSELF</p>
<p>There is a bunch of factual information that needs to be included, such as<br />

<ul>
<li>When was it formed?&#160; </li>
<li>What kind of company is it?&#160; </li>
<li>If it is a corporation, how many shares are issued?&#160; To whom?&#160; </li>
<li>If it is a partnership, who is involved?</li>
<li>Who formed the company?&#160; </li>
<li>If you are not the founder, how did it come to be yours?</li>
<li>Who is presently involved?&#160; What is the nature of their involvement?</li>
</ul>
<p>&#160;<br />
<br />There is also a good dollop of information that is not really &#8220;factual&#8221;, but it does need to be included.&#160;That is The Story of the Company.&#160;Why was it founded?&#160;What are the dreams of the owners for this company?&#160;Why do the owners want to devote their lives to this business rather than to any other business in the world?&#160;</p>
<p>It is The Story that will grab the lender.&#160;Lenders see facts and figures all day long.&#160;Rarely do they hear a compelling story.&#160;Make yours good.&#160;Make it real.</p>
<p>5. INFORMATION ON THE INDUSTRY</p>
<p>Here is where a good statistical source is worth its weight in gold.&#160;</p>
<ul>
<li>Show how the industry is growing.</li>
<li>Show how your company fits into the industry.</li>
<li>Include charts to visually show strength of industry.</li>
<li>Include demographic information.</li>
</ul>
<p>Bankers and lenders like figures and statistics.&#160; It is easy for them to compare and analyze.&#160; It is a whole lot harder to analyze your character.</p>
<p>So give them solid figures.&#160; They will see these stats whether you include them or not.&#160;They have got their own sources.&#160; So include them.&#160; And show them off in a manner that benefits you.</p>
<p>6.&#160;BIOGRAPHICAL INFORMATION ON PRINCIPALS</p>
<p>While venture capital companies consider the strength of the management team the most important component of the business, this section by itself is not necessarily the most important.&#160; They will see the strength of the team in the Industry Information, the Marketing Plan and the Financial Summaries.&#160; This section is to give them a notion of who they are talking with.</p>
<p>Most business plan writers tell you to write a paragraph on each officer.&#160; I do not.&#160; I tell you to write a page on each principal.&#160; That page is not a bio.&#160; It is a summary of accomplishments.&#160; If you have not got a page of accomplishments, maybe you have got the wrong management team.</p>
<p>7. MARKETING PLAN</p>
<p>So what makes you think you can promote this idea or product or service?&#160; How will you go about it?&#160; What will it cost?&#160; What are other doing, and how can you compete with them?</p>
<p>If you have a history of successes, this is the place to shout about them.</p>
<p>8. FINANCIAL DOCUMENTS</p>
<p>For existing companies, the rule of thumb is that you summarize by year the past 5 - 10 years, depending on your industry.&#160; Then project as for new companies. For new companies, project quarterly for the first year or two, then annually until the loan is comfortably paid back, or the investment has made a profit.</p>
<p>The more you can put into charts for easy reference, the better.</p>
<p>Then make it unique. All the parts of a business plan need to look sharp, be concise, and provide all pertinent information.&#160; Putting all of that together in a convincing presentation is what separates one business plan from another.&#160;</p>
<p>MaryAnn Shank, founder and President of <a href="http://www.businessplanmaster.com" rel="nofollow" target="_blank">Business Plan Master</a> has helped literally thousands of businesses get business financing, from SBA loans to venture capital to angel investors and corporate financing. Her approach to business plans is to provide a solid foundation, with a soupcon of sass.</p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=MaryAnn_Shank" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=MaryAnn_Shank</a></p>
<p>Author:&#160;MaryAnn Shank</p>
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		<title>What Investors Want - 5 Key Items</title>
		<link>http://businessinvestmentplan.com/what-investors-want-5-key-items</link>
		<comments>http://businessinvestmentplan.com/what-investors-want-5-key-items#comments</comments>
		<pubDate>Sat, 10 Oct 2009 06:31:30 +0000</pubDate>
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		<category><![CDATA[General]]></category>

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		<description><![CDATA[Prospective and actual investors in small and medium businesses seek five things that pique their interest enough to pursue initial or follow-on investment. This includes a base business valuation and a strong management team. This article provides an overview of each of the 5 key elements.
1.	A strong return on investment. Ranges from 8% (friendly, debt) [...]]]></description>
			<content:encoded><![CDATA[<p>Prospective and actual investors in small and medium businesses seek five things that pique their interest enough to pursue initial or follow-on investment. This includes a base business valuation and a strong management team. This article provides an overview of each of the 5 key elements.</p>
<p>1.	A strong return on investment. Ranges from 8% (friendly, debt) to 40%</p>
<p>-Different types of investors investing<span id="more-161"></span> at various stages of the company&#8217;s growth and development will have different expectations. (Notice the emphasis on and repeated use of the word different!) An angel investor who is taking on the most risk by investing when the company is still in its nascent (i.e., very early) stage and has yet to generate much revenue, if any, has no contracts, and has negative cash flow, will want the highest return of 40% or close to it. If the company is successful, due to the early entry stage, one would expect the company to generate at least that. Often, though, the angel investor will sell out during one of the subsequent financing periods. Rarely does an angel investor stay on board until the company reaches maturity.</p>
<p>-Venture capitalists come in later but still before the company is cash flow positive. Therefore, they typically want returns of 30-35%.</p>
<p>-Mezzanine financiers provide a mixture of debt and equity to more stable and established businesses so they expect blended returns of 16-20%.</p>
<p>2.	A clear pay-off date (exit strategy) - typically 3 - 7 years</p>
<p>-Very few investors wish to wait indefinitely for their money. They are investing not to make you feel good but because they believe in you and your business and the ability of the business under your management (and sometimes with their additional efforts) to generate enough revenue and cash flow and/or grow large enough in value to return them their investment and their expected return within a specific time frame.</p>
<p>-This varies based on the investor. Angel investors prefer a shorter period of time (3 years). Private equity funds typically expect 4-5 years. Strategic investors derive a number of benefits so their investment timeframe tends to be the longest, with a trend of ~7 years.</p>
<p>3.	A strong management team</p>
<p>There are many great ideas out there. It&#8217;s not so much the idea that counts (look at all the inventors who never get anywhere) but the ability of the management team to capitalize on that idea and provide the leadership, strategy, sales, marketing, and operational skills and acumen to bring that idea to market. Or to apply those same skills to a purchase of an existing business and continue to generate similar growth if acquiring a high growth business or turn around the enterprise and grow it, if acquiring an underperforming company.</p>
<p>-The management team is the most important component. A great management team can make a good idea or a so-so company into a great company. But a great idea may never make it off the ground with poor management and a great company can go rapidly downhill with mediocre management.</p>
<p>4.	A base valuation of the company</p>
<p>You don&#8217;t want to approach investors with no idea of what your company is worth. How do you know if the investor is proposing a good price for the portion of their investment? Angel investors sometimes are not highly financial savvy and can&#8217;t do their own valuations. So you need to do one or have one done for your company and be able to explain it to the interested investor. You need to show them in these pro-forma financials how their investment will help move your business to the next level. And they need to see in this valuation how the requested investment amount was determined. Venture capital firms will do their own valuation but you should have your own in order to understand the financial impact of your company&#8217;s strengths. This will facilitate your negotiations with these firms.</p>
<p>-Since they usually deal with existing stable businesses, mezzanine firms and private equity funds expect you to tell them what your firm is valued at, how you arrived at the numbers, and what amount you expect from them to invest. They will run their own valuation but want something to compare it to. Also, if your firm has $10 - 20 million or more in revenue (typical for companies that attract this type of equity investment), your management team should have someone with financial acumen -a CFO - or have access to someone (a consultant,&#8230;) who can do this. Otherwise, your ability to financially manage the company could be called into question.</p>
<p>5.	A business plan to accomplish goals</p>
<p>- You need an abbreviated business plan. If you have a full strategic business plan, that&#8217;s even better. If you also have an operational business plan, that&#8217;s all the more impressive. But you need something that provides an overview of the market, background on the business, industry and competitor assessment, management overview, sales and marketing plan, risks, financial snapshot, goals, and the strategy to accomplish these goals. Most investors only want to see an Executive Summary - 3-5 pages - to determine if they&#8217;re interested. Then, once they&#8217;ve expressed full interest, they&#8217;d like to see the complete business plan.</p>
<p>-Remember, the business plan is an ongoing work in progress. The purpose is not to clearly map out exactly what you&#8217;ll do but to chart a course for what you&#8217;ll do that enables you to respond to market changes and new information that may differ from the assumptions you made. If you&#8217;re not fully aware of your ideas of the market, competitor, and customer behavior, then you don&#8217;t know what to do when things don&#8217;t go as expected. A business plan gets you to think creatively.</p>
<p>-Review your business plan on a quarterly basis and make changes semi-annually as needed. Remember, the business plan shows an investor that you treat your business seriously and have thought about what it takes to get to where you need their money to help you go. The business plan says to the investor, &#8220;Here&#8217;s what I&#8217;m going to do with your money to make sure you get it back with the return you seek&#8221;.</p>
<p>Tiffany Wright is a turnaround consultant and small business advisor who has written several books and ebooks. She is the author of Help! I Need Money for My Business Now!!, an ebook with easy-to-follow examples, case studies, and templates that will lead you step-by-step through the process of raising capital for your business available at <a href="http://www.moneytogrowbusiness.com" rel="nofollow" target="_blank">http://www.moneytogrowbusiness.com</a> She is also the publisher of Equal Construction Record, a commercial construction newspaper based in Georgia. She has helped companies raise over $31 Million in financing and revamp their operations and financial structure. Also view her blog at <a href="http://smallbusinessfinanceforum.blogspot.com" rel="nofollow" target="_blank">http://smallbusinessfinanceforum.blogspot.com</a></p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Tiffany_Wright" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Tiffany_Wright</a></p>
<p>Author:&#160;Tiffany Wright</p>
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		<title>Describing Intellectual Property in Your Business Plan</title>
		<link>http://businessinvestmentplan.com/describing-intellectual-property-in-your-business-plan</link>
		<comments>http://businessinvestmentplan.com/describing-intellectual-property-in-your-business-plan#comments</comments>
		<pubDate>Fri, 09 Oct 2009 06:32:59 +0000</pubDate>
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		<description><![CDATA[Most companies that are worthy of raising venture capital have proprietary Intellectual Property (IP). In fact, the quality of the IP and the management team are often the two most important aspects of a venture capitalist&#8217;s investment decision. The challenge that many ventures face, however, is that most investors will not sign non-disclosure agreements (NDAs), [...]]]></description>
			<content:encoded><![CDATA[<p>Most companies that are worthy of raising venture capital have proprietary Intellectual Property (IP). In fact, the quality of the IP and the management team are often the two most important aspects of a venture capitalist&#8217;s investment decision. The challenge that many ventures face, however, is that most investors will not sign non-disclosure agreements (NDAs), and NDAs are critical to maintaining<span id="more-160"></span> the proprietary nature of the IP. This article details the appropriate strategy for addressing proprietary IP in your business plan in order to attract investor attention while retaining the confidentiality of your inventions.</p>
<p>Focus on the Benefits of and Applications of the IP: The business plan should not discuss the confidential aspects of the IP. Rather, the plan should discuss the benefits of the IP. Remember that even the most amazing of technologies will not excite investors unless it has tangible benefits to customers.</p>
<p>The business plan first needs to discuss the products and services into which the IP will be integrated. It then must detail the benefits that these products and services have to customers and differentiate them from competitive products. When applicable, it is helpful to include non-confidential drawings and backup materials of the products and services in the Appendix.</p>
<p>Focus on Customer Needs and the Relevant Market Size: The business plan must also discuss how the benefits of the IP fulfill a large customer need. To accomplish this, the plan needs to detail customer wants and needs and prove that the company&#8217;s offerings specifically meet these needs.</p>
<p>Secondly, the plan needs to discuss the marketplace in which the IP is offered and the size of this marketplace. Critical to this analysis is determining the relevant market size. The relevant market size equals a company&#8217;s sales if it were to capture 100% of its specific niche of the market. For example, a medical device&#8217;s market size would not be the trillion dollar healthcare market, but rather the sales of all competing medical devices.</p>
<p>Focus on Competition and Competitive Differentiation: Your business plan must also prove that your IP is better than competitive inventions. In identifying competitors, note that listing no or few competitors has a negative connotation. It implies that there may not be a large enough customer need to support the company&#8217;s products and/or services. On the other hand, should there be too many competitors, then the market may be too saturated to support the profitability of a new entrant. The answer &#8212; any company that also serves the customer needs that you serve should be considered a competitor.</p>
<p>The business plan should detail both the positive and negative aspects of competitors&#8217; IP and products/services and validate that your offerings are either superior in general, or are superior in serving a specific customer niche.</p>
<p>Prove that you can Execute on the Opportunity: As importantly as proving the quality of the IP and that a vast market exists for its applications, the business plan most prove that the company can successfully execute on the opportunity.</p>
<p>The plan should detail the company&#8217;s past accomplishments, including descriptions and dates when prior funding rounds were received, products and services were launched, revenue milestones were reached, key partnerships were executed, etc.</p>
<p>When a company is a complete start-up, and no milestones have been accomplished, the plan should focus on past accomplishments of the management team as an indicator of the company&#8217;s ability to execute successfully.</p>
<p>Results: Getting Investors to Sign the NDA: If you are able to convince the prospective investor that the IP is integrated into a product/service which yields real customer benefits in a large market, then the investor will take the quality of the invention for granted when reviewing the plan. Later, during the due diligence process, the investor will review the actual technology. At this point, a discussion regarding signing an NDA would be appropriate.</p>
<p>Since 1999, Growthink has developed more than 1,500 business plans and <a href="http://www.growthink.com/investment-banking/services/private-placement-memorandum" rel="nofollow" target="_blank">private placement memorandum</a> documents. Growthink clients have collectively raised over $1 billion in growth financing. Growthink has become the firm of choice for venture capital firms, angel investors, corporations and entrepreneurs in the know. To speak with a <a href="http://www.growthink.com/businessplan" rel="nofollow" target="_blank">professional business plan writer</a>,  call 877-BIZ-PLAN (877-249-7526).</p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Dave_Lavinsky" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Dave_Lavinsky</a></p>
<p>Author:&#160;Dave Lavinsky</p>
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		<title>Restaurant Business Plans - Focus on the Financials</title>
		<link>http://businessinvestmentplan.com/restaurant-business-plans-focus-on-the-financials</link>
		<comments>http://businessinvestmentplan.com/restaurant-business-plans-focus-on-the-financials#comments</comments>
		<pubDate>Wed, 07 Oct 2009 23:38:45 +0000</pubDate>
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		<category><![CDATA[General]]></category>

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		<description><![CDATA[The Financial Analysis section of a restaurant business plan consists of pro forma (projected) financial statements for the business. Before creating these statements, consideration must be paid to these three key concepts:
&#160;
Capital Expenditures
Likely the most pertinent portion of the Financial Analysis section will be the statement of how much capital the restaurant will need in [...]]]></description>
			<content:encoded><![CDATA[<p>The Financial Analysis section of a restaurant business plan consists of pro forma (projected) financial statements for the business. Before creating these statements, consideration must be paid to these three key concepts:<br />
<br />&#160;<br />
<br />Capital Expenditures</p>
<p>Likely the most pertinent portion of the Financial Analysis section will be the statement of how much capital the restaurant will need in order start<span id="more-159"></span> the venture.&#160;The trouble is that too conservative of a projection will leave you with an investment amount that is either unattainable or too large (creating excessive interest payments), while an overly conservative projection will leave you vulnerable to running out of funds during startup or operations.</p>
<p>When assessing the cost of capital expenditures, it is best to err on the high side.&#160;Attempt to create a comprehensive list of all capital expenditures that your restaurant will need even before it opens its doors.&#160;Go beyond the bricks and mortar of the location and include decoration, furniture, tabletop items, serving trays, and kitchen equipment. Also include software - restaurants commonly use POS (point of sale) software as well as software for reservations, table assignment, credit card processing, and bookkeeping. A rule-of-thumb is to include any one-time purchases expected to serve the restaurant for years.&#160;Build in a buffer for unforeseen expenses, as running out of money in this stage and attempting to secure another source of funding can be detrimental to the company&#8217;s launch and long-term prospects.<br />
<br />&#160;<br />
<br />Operating Costs and Revenue<br />
<br />&#160;<br />
<br />Operating costs primarily include COGS (cost of goods sold) and labor costs for a restaurant. These costs can be determined surprisingly accurately after operation begins because they simply aggregate the sum of how much it costs to produce the food you are cooking and how much you must pay your staff.&#160;The problem, however, arises when projecting the traffic your restaurant will see on a day-to-day basis and the average purchase per customer. Try to be as realistic as possible and take into account the type of clientele you are attempting to attract, what geographic area you are operating in, and the foot-traffic that your establishment expects.&#160;<br />
<br />&#160;<br />
<br />Cash Flow</p>
<p>The Cash Flow Statement is the most important statement for operating purposes once your restaurant opens.&#160;When payments need to be made and a projection of future cash receipts are key to creating reliable projections.&#160;Though it may not be necessary for other industries, restaurants often create an unofficial worksheet that projects and monitors weekly cash movements.&#160;This is primarily because restaurants have many moving parts such as payroll, sales taxes, and shipments of goods which can create fluctuations from week to week. For example, to achieve the lowest prices from suppliers, you may attempt to purchase in higher quantities, which can put a strain on cash during a week where these large purchases fall, although they might represent supplies which will serve for many weeks or months. Thus, a cash buffer is extremely beneficial to guard against shortfalls for even a profitable restaurant. </p>
<p>For more information on <a href="http://www.growthink.com/businessplan/help-center/how-to-start-a-restaurant" rel="nofollow" target="_blank">how to open a restaurant</a> and additional <a href="http://www.growthink.com/businessplan/help-center/restaurant-business-plans" rel="nofollow" target="_blank">restaurant business plan</a> tips, call Growthink at 877-BIZ-PLAN. Growthink has helped restaurant entrepreneurs and business owners develop professional business plans and raise capital since 1999.</p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Eric_Powers" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Eric_Powers</a></p>
<p>Author:&#160;Eric Powers</p>
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		<title>Investment Management Advisors</title>
		<link>http://businessinvestmentplan.com/investment-management-advisors</link>
		<comments>http://businessinvestmentplan.com/investment-management-advisors#comments</comments>
		<pubDate>Tue, 06 Oct 2009 23:40:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[General]]></category>

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		<description><![CDATA[Investment management refers to the process of managing money being used for investments. Investment profiles are managed through sound decisions about security purchases and sales. Investment management advisors provide investment management services including money management, investment projections, investment counseling, and investment management planning. Investment management advisors may work as individual entities or may be a [...]]]></description>
			<content:encoded><![CDATA[<p>Investment management refers to the process of managing money being used for investments. Investment profiles are managed through sound decisions about security purchases and sales. Investment management advisors provide investment management services including money management, investment projections, investment counseling, and investment management planning. Investment management advisors may work<span id="more-158"></span> as individual entities or may be a part of investment management firms. Those who work for reputable investment management firms are preferred over solo agents because of their credibility and reputation. These agents are usually college degree holders who have gained bachelor degrees in business and also have relevant investment management experience tucked in their belts.</p>
<p>There are two types of investment management advisors, those who offer direct financial advice to individuals or businesses and those who offer asset management for corporate clients. The services offered by investment management advisors are not given for free. The usual rate charged by these advisors varies depending on the project, the monetary investment involved, or the current standing of whom they advise. They also charge higher fees to corporate accounts than they do to individuals because of the sheer complexity of the tasks when catering to larger companies. Their fees may be calculated percentages of the assets gained, annual fees, or even hourly rates.</p>
<p>Investment management advisors are monitored by government run agencies and private investment management associations to ensure the quality of their services. The certifications issued by government agencies and private associations protect investment management advisors and their clients alike. They are subject to laws and regulations governing money management and must meet strict requirements prior to certification and registry as qualified investment management advisors. They work assuring client confidentiality and provide complete disclosure of all investment deals. Most, if not all investment management advisors are also licensed stockbrokers to enable them to carry out investor authorized sales and purchasers.</p>
<p><a href="http://www.WetPluto.com/Investment-Management.html" rel="nofollow" target="_blank">Investment Management</a> provides detailed information on Investment Management, Investment Management Firms, Investment Portfolio Management, Investment Management Training and more. Investment Management is affiliated with <a href="http://www.e-InvestmentAdvice.com" rel="nofollow" target="_blank">Investment Management Advice</a>.</p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Thomas_Morva" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Thomas_Morva</a></p>
<p>Author:&#160;Thomas Morva</p>
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		<title>More Uses for Your Business Plan</title>
		<link>http://businessinvestmentplan.com/more-uses-for-your-business-plan</link>
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		<pubDate>Mon, 05 Oct 2009 23:34:47 +0000</pubDate>
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		<description><![CDATA[You have invested a lot of time and energy on writing a business plan just to get a loan or to attract an investor. What do you do when you get the money or, worse, should you be turned down?
Do you just file it away? That&#8217;s like investing in a boat that remains parked in [...]]]></description>
			<content:encoded><![CDATA[<p>You have invested a lot of time and energy on writing a business plan just to get a loan or to attract an investor. What do you do when you get the money or, worse, should you be turned down?</p>
<p>Do you just file it away? That&#8217;s like investing in a boat that remains parked in your driveway after its inaugural voyage.</p>
<p>Instead of filing it away or leaving it on a shelf to gather dust, why not capture more<span id="more-157"></span> return on your investment? To gain a clearer perspective, convert your investment of time and energy into a dollar amount. Then, you&#8217;ll think twice before filing your business plan away.</p>
<p>Ways to capitalize on your investment</p>
<ol>
<li>Expand the marketing section for an ongoing planning document, or for periodic reviews, or for revising marketing strategies. The historical data, projections, competition surveys and analyses are valuable bases for updating the data into a working framework. The material is a convenient reference for when you are asked to make an oral presentation, to write an article, to provide background data for ad copy or for other promotional activities.</li>
<li>Save the various sections as templates for any number of purposes. Some of these can be used for decision-making, for analyzing proposals and new ventures, or for dispensing with those time-consuming &#8216;dream/someday&#8217; projects.</li>
<li>Use some excerpts for such Human Resource Management activities as: orienting and training a new associate, or as a preparation for a staff promotion.</li>
<li>All your grueling work on the financial data can form the foundation for financial controls and reviews, budget-actual sheets and as background for trend projections. Your original documents serve as benchmarks and as reminders of your progress for your bankers.</li>
<li>You will not have to start out from scratch should you have a similar need to re-apply for funds, tender an invitation to a partner, or supply data for the experts should you consider &#8216;going public.&#8217; The evidence of before-and-after progress is helpful as a contribution to a &#8216;for sale&#8217; proposal, or for a sudden and urgent offer to buy. Plans for expansion, mergers, spin-offs, or cooperative alliances can start with your collected data.</li>
<li>Your business plan, with its appendices, is a convenient repository for company data and records, equipment details, floor plans, measurements, maps, contact details for legal and accounting consultants, general historical information, industry descriptions including your historical SWOT (strengths, weaknesses, opportunities and threats) analysis of the past, current and future at the time of its writing.</li>
<li>Create in-house displays of your mission statement, the organizational chart or the photographs and biographical sketches of your benefactors and supporters.</li>
</ol>
<p>Don&#8217;t have a business plan in your files? Begin preparing portions today as an investment for that day when you will need one. It&#8217;s quite probable that when that need arises you will be too pre-occupied to devote the required time and energy on an appropriate plan.</p>
<p>Now, you have a greater incentive to do a more thorough business plan today, knowing it is going to serve several useful purposes in the future.</p>
<p>About The Author</p>
<p>Gerry McRae added practical wisdom to his college and univeristy courses by owning and operating small businesses. That wisdom is now online at <a href="http://www.UncleMaxSays.com" rel="nofollow" target="_blank">http://www.UncleMaxSays.com</a>.</p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Gerry_McRae" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Gerry_McRae</a></p>
<p>Author:&#160;Gerry McRae</p>
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		<title>Business Plan Outline &amp; Checklist</title>
		<link>http://businessinvestmentplan.com/business-plan-outline-checklist</link>
		<comments>http://businessinvestmentplan.com/business-plan-outline-checklist#comments</comments>
		<pubDate>Sun, 04 Oct 2009 23:31:23 +0000</pubDate>
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		<description><![CDATA[Who needs a Business Plan?
Every business needs one. It&#8217;s not just for start-ups or new product launches or business expansion initiatives.
Why? And what should be in one?
Documenting a Business Plan is an extremely useful process to focus management and owners on their business concept, strategies, and operating plans. It forces consensus and decision making that [...]]]></description>
			<content:encoded><![CDATA[<p>Who needs a Business Plan?</p>
<p>Every business needs one. It&#8217;s not just for start-ups or new product launches or business expansion initiatives.</p>
<p>Why? And what should be in one?</p>
<p>Documenting a Business Plan is an extremely useful process to focus management and owners on their business concept, strategies, and operating plans. It forces consensus and decision making that might otherwise be neglected. It requires<span id="more-156"></span> issues to be resolved and the decisions to be reflected in financial projections.</p>
<p>A well-documented business plan will help you communicate the most important elements of your strategy and plans to the people who need to know them. Including you.</p>
<p>Already in business for years and never needed a business plan?  It&#8217;s still a good idea for all the same reasons. And now is a good time.</p>
<p>Ready to exit your business? Even better.  A solid business plan will be the most important document in supporting the valuation of your business.</p>
<p>The greatest value of a business plan, however, is likely to be in the process &#8211; involving your management team in a thorough examination of your business &#8211; its purpose, its strategies and its plans to ensure success.  When completed, all the key players will be more knowledgeable of the issues, the opportunities, the risks, and the alternative paths considered, before committing to the final plan.</p>
<p>Following is a suggested guideline of the layout and content for developing an effective Business Plan.  It is a consolidation of best practices, based on our consulting and management experience with many different clients under a variety of circumstances.</p>
<p>COVER PAGE:<br />
<br />Includes title, date, purpose, prepared by whom, confidentiality statement, issued to whom, and a document control number.</p>
<p>PURPOSE:<br />
<br />Objectives of the Business Plan &#8211; attract financing, key executives, customers, or strategic partners?  Document strategy and action plan for all participants?  Set financial objectives and timetable?</p>
<p>CONTENTS:</p>
<p>1.	Executive Summary (Max. 2 pages, written last as a stand-alone document, may be offered for review prior to full disclosure of the business plan, convinces reader to go further, or not.)</p>
<p>&#8226;	Business Concept, Plan and Objectives</p>
<p>&#8226;	Current status relative to the market opportunity</p>
<p>&#8226;	Key success factors, risks, expected results</p>
<p>&#8226;	Financial situation and needs</p>
<p>&#8226;	Reference to the complete Business Plan (sections below) for more detail</p>
<p>2.	Concept and Business Opportunity (Describe the need being addressed, how this approach is different, and why it is likely to succeed.)</p>
<p>&#8226;	Market need and current solutions available</p>
<p>&#8226;	Business concept and product/service differentiation</p>
<p>&#8226;	Initial market feedback</p>
<p>3.	Mission statement (Generate missionaries!, why others should join the cause &#8211; have fun, make money, make a difference?)</p>
<p>&#8226;	Clear, attractive objectives &#8211; who and what do you want to be?</p>
<p>&#8226;	Statement of values and priorities</p>
<p>&#8226;	Milestones and timetable</p>
<p>4.	Market Analysis (Provide relevant, pertinent information to demonstrate your knowledge and competence in this industry.)</p>
<p>&#8226;	The overall market, recent changes</p>
<p>&#8226;	Market segments</p>
<p>&#8226;	Target market and customers</p>
<p>&#8226;	Customer characteristics</p>
<p>&#8226;	Customer needs</p>
<p>&#8226;	Buying and selling process</p>
<p>5.	Competition (Demonstrate an awareness of competitors and your ability to compete successfully.)</p>
<p>&#8226;	Industry overview, recent changes</p>
<p>&#8226;	Nature of competition, inside and outside the industry</p>
<p>&#8226;	Primary competitors</p>
<p>&#8226;	Competitive products/services, relative pricing, advantages, disadvantages</p>
<p>&#8226;	Opportunities, protection by patents, copyrights, barriers to entry</p>
<p>&#8226;	Threats and risks, ability of competitors to respond, imitate or copy.</p>
<p>6.	Strategic Plan (Describe your starting point, direction, and plan to get there.)</p>
<p>&#8226;	Company history &#038; background &#8211; experience, resources</p>
<p>&#8226;	Key competitive strengths &#038; current weaknesses</p>
<p>&#8226;	Business plan and strategy to leverage strengths, reduce weaknesses</p>
<p>&#8226;	Action plan for implementing strategy</p>
<p>7.	Management team (Usually the most important factor in determining your success and in attracting staff and financing.  Emphasize current strengths and plan to fill in the gaps.)</p>
<p>&#8226;	Key personnel, experience &#038; credentials</p>
<p>&#8226;	Staffing plan</p>
<p>&#8226;	Organizational structure</p>
<p>8.	Product &#038; Service Offering (Consider the reader&#8217;s familiarity with the industry, avoid technical jargon, relate to the market and competition.)</p>
<p>&#8226;	Product/service description</p>
<p>&#8226;	Positioning of products/services</p>
<p>&#8226;	Competitive evaluation of products/services</p>
<p>&#8226;	Future products/services</p>
<p>9.	Marketing and sales plan (Another key to success, too often neglected by owner/managers with strong product, technical, or operations backgrounds.  Prove you have a plan that will be affordable and effective.)</p>
<p>&#8226;	Marketing strategy, positioning, presentation</p>
<p>&#8226;	Sales tactics</p>
<p>&#8226;	Advertising, Promotions/incentives</p>
<p>&#8226;	Publicity, public relations, press releases</p>
<p>&#8226;	Trade shows, industry events</p>
<p>&#8226;	Web marketing</p>
<p>10.	Operations plan (Describe the important issues and factors that will affect customer service perceptions and the costs related to capital investment and operations.)</p>
<p>&#8226;	Processes for product/service delivery</p>
<p>&#8226;	Customer service and support</p>
<p>&#8226;	Facilities and staff required</p>
<p>11.	Risk analysis (What can go wrong, what will you do about it?)</p>
<p>&#8226;	Market factors &#8211; economic cycle, interest rates, currency, government regulations, trade restrictions.<br />
<br />&#8226;	Business risks &#8211; key customer &#038; supplier dependence, labour availability, staff turnover, new competitors, new technology, changing demand.</p>
<p>12.	Financial plan (Convert all the preceding words into numbers, next year by month, then three-to-five years annually.)</p>
<p>&#8226;	Summary paragraph, Assumptions and Comments, followed by analysis</p>
<p>&#8226;	Starting Balance Sheet</p>
<p>&#8226;	Profit and Loss Projection</p>
<p>&#8226;	Cash Flow Projection</p>
<p>&#8226;	Balance Sheet Projection</p>
<p>&#8226;	Ratio&#8217;s and Analysis, value of equity</p>
<p>&#8226;	Financial needs</p>
<p>&#8226;	Sources of funds</p>
<p>APPENDICES:<br />
<br />Add some personalisation and realism with biographies and photos of key executives, product photos, marketing literature, sample packaging, facility plans, press releases, customer testimonials, relevant research documents, etc.</p>
<p>Following these guidelines will ensure that you have considered all the issues and can defend your strategies and action plans against all inquisitors.</p>
<p>Del Chatterson is the President of DirectTech Solutions, a management consulting firm assisting companies to develop their corporate strategies and growth plans. He may be contacted by e-mail: <a href="mailto:delchat@directtech.ca" rel="nofollow" target="_blank">delchat@directtech.ca</a></p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Delvin_R._Chatterson" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Delvin_R._Chatterson</a></p>
<p>Author:&#160;Delvin R. Chatterson</p>
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		<title>Enterprise End-To-End Asset Management</title>
		<link>http://businessinvestmentplan.com/enterprise-end-to-end-asset-management</link>
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		<pubDate>Sat, 03 Oct 2009 23:40:38 +0000</pubDate>
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		<description><![CDATA[The need for fast, secure and cost-effective modes of communication has been increasing. To gain a competitive advantage, the end-to-end feature of communication networks was developed. It enables you to carry out objectives directly to your end-user without the service of an intermediary.
Industries such as broadcast media, film and content production, cable content provision and [...]]]></description>
			<content:encoded><![CDATA[<p>The need for fast, secure and cost-effective modes of communication has been increasing. To gain a competitive advantage, the end-to-end feature of communication networks was developed. It enables you to carry out objectives directly to your end-user without the service of an intermediary.</p>
<p>Industries such as broadcast media, film and content production, cable content provision and brand imaging have<span id="more-155"></span> been converted as end-to-end enterprises. From searching, collecting, indexing, cataloging, assembling, retrieving and producing to distributing digital text, audio and visual content, you are able to simplify the production process via shared service infrastructure.</p>
<p>Your digital assets are valuable. They increase your sales and enhance your marketing programs. They deserve protection. This entails constant management.</p>
<p>Enterprise end-to-end asset management is specifically designed to make your total asset visible and to enable you to comprehensively determine the performance and asset flow across heterogeneous networks. It is done without disrupting existing workflows. It uses media ingest, metadata creation, architectural building clocks and database and open-system computing platforms.</p>
<p>Inability to manage end-to-end assets might result in your end-users&#8217; dissatisfaction and put your revenues at risk. When your business application response is poor, your end-users will be frustrated.</p>
<p>Effective management will enable you to determine and fix the source of slow response and detect potential network outages.  It will provide you reliable data to repair them, so your applications are always accessible and your operations are not interrupted.</p>
<p>But large, heterogeneous, multiplatform, multivendor, and complex business environments are expensive to manage. Using end-to-end asset management software can help you easily manage your assets with a few resources.</p>
<p>End-to-end asset management can also provide you intelligent capacity planning reports on usage patterns. This allows you to adjust your optimal network capacity to your budget.</p>
<p>The software operates on a host server to constantly monitor changing conditions and to provide detailed information about the host&#8217;s status, performance, users, and other functional operations. It can quickly identify system problems and automatically corrects them before they reach your end-users.</p>
<p>Enterprise end-to-end asset management reduces your capital expenditures by lowering the cost of ownership and infrastructure. It also enhances your service quality and operational efficiency and hastens return on your investment and increases your revenue streams.</p>
<p><a href="http://www.WetPluto.com/What-Is-Enterprise-Asset-Management.html" rel="nofollow" target="_blank">Enterprise Asset Management</a> provides detailed information on Enterprise Asset Management, Enterprise Asset Management Software, Enterprise Asset Management Systems, Enterprise End-To-End Asset Management and more. Enterprise Asset Management is affiliated with <a href="http://www.WetPluto.com/BPM.html" rel="nofollow" target="_blank">BPM Consulting</a>.</p>
<p>Article Source: <a href="http://ezinearticles.com/?expert=Josh_Riverside" rel="nofollow" target="_blank">http://EzineArticles.com/?expert=Josh_Riverside</a></p>
<p>Author:&#160;Josh Riverside</p>
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