REVELATIONS BIGGEST SURPRISE Essay Example For Students

Disclosures BIGGEST SURPRISE Essay A growing industry today is Space Tourism, that expects well have the option to book ourselves on space get-aways inside the following 10-20 yearsif we can address the cost. On the off chance that youre inspired by space travel, keen on discovering Whats out there past our earth, however you dont have the money to contribute, what about an unending length of time long excursion that is offered to you free? Divine beings extreme compensation for the reclaimed is definitely more energizing than any excursion in the confined quarters of some man-made space transport! Christ offers us a definitive space venture. Well travel with Him through the brilliant sky. Be that as it may, first should happen the expressions of Revelation 11:15 The realms of this world have become the realms of our Lord. All through the ages, natural realms have emerged to challenge the realm of God. There has been a fight for the seat, a fight brought into sharp concentration in the Old Testament Book of Daniel. Sacred writing contains two books of end-time prediction: Daniel and Revelation. Opening Daniels images makes Revelations predictions clear. What's more, Jesus explanation in Matthew 24:15 guides us to comprehend Daniel the prophet . . . whoever peruses, let him comprehend. One of the most intriguing Bible parts is Daniel 2. A lord longed for world occasions that spread over 2,500 years. Those occasions have happened with such exactness that solitary the hand of God could have been included. Its a prediction that demonstrates without question that God is in charge of history. It is a prescience that has been completely satisfied . . . nearly, yet not exactly. Daniel 2:1 says: In the second year of Nebuchadnezzars rule, Nebuchadnezzar had dreams; and his soul was upset to such an extent that his rest left him. This was the ruler who controlled the incomparable Babylonian Empire 500 years before Christ, the lord who constructed the extravagant Hanging Gardensone of the Seven Wonders of the World. Nebuchadnezzar had a fantasy which appeared of extraordinary centrality, yet when he got up, he was unable to recollect what he had envisioned. So he called his astute menwho professed to see into the futureand requested that they determine what he had imagined. At the point when they conceded that they proved unable, Nebuchadnezzar sentenced them to death. Presently youthful Daniel, however a wartime captive in Babylon, was considered as a part of the savvy men for his skilled insight and comprehension. At the point when the lords commander came to execute Daniel, he requested chance to appeal to God for God to uncover the dreamand God did! At that point Daniel, assuming no acknowledgment to himself, went before Nebuchadnezzar and told the ruler that no human man could uncover the fantasy. Be that as it may, there is a God in paradise who uncovers privileged insights, and He has uncovered . . . what will be in the last days. Daniel 2:28. The lords dream concentrated on end-times, the end of earths history. The fantasy begins with Nebuchadnezzar and walks through history to the current day. So Daniel mentioned to the ruler what he had imagined: You, O lord, were watching: and observe, an extraordinary picture. . . This pictures head was of fine gold, its chest and arms of silver, its gut and thighs of bronze, its legs of iron, its feet mostly of iron and halfway of mud. You viewed while a stone was removed without hands, which struck the picture on its feet of iron and mud, and broke them in pieces. At that point the iron, the earth, the bronze, the silver, and the gold were squashed together, and became like refuse from the mid year sifting floors; the breeze diverted them so no hint of them was found. Also, the stone that struck the picture turned into an incredible mountain and filled the entire earth. .u3ac7bd6940906f2b64bd9c699d98d347 , .u3ac7bd6940906f2b64bd9c699d98d347 .postImageUrl , .u3ac7bd6940906f2b64bd9c699d98d347 .focused content region { min-stature: 80px; position: relative; } .u3ac7bd6940906f2b64bd9c699d98d347 , .u3ac7bd6940906f2b64bd9c699d98d347:hover , .u3ac7bd6940906f2b64bd9c699d98d347:visited , .u3ac7bd6940906f2b64bd9c699d98d347:active { border:0!important; } .u3ac7bd6940906f2b64bd9c699d98d347 .clearfix:after { content: ; show: table; clear: both; } .u3ac7bd6940906f2b64bd9c699d98d347 { show: square; change: foundation shading 250ms; webkit-progress: foundation shading 250ms; width: 100%; mistiness: 1; progress: haziness 250ms; webkit-change: murkiness 250ms; foundation shading: #95A5A6; } .u3ac7bd6940906f2b64bd9c699d98d347:active , .u3ac7bd6940906f2b64bd9c699d98d347:hover { darkness: 1; change: obscurity 250ms; webkit-change: mistiness 250ms; foundation shading: #2C3E50; } .u3ac7bd6940906f2b64bd9c699d98d347 .focused content territory { width: 100%; position: relati ve; } .u3ac7bd6940906f2b64bd9c699d98d347 .ctaText { fringe base: 0 strong #fff; shading: #2980B9; text dimension: 16px; textual style weight: striking; edge: 0; cushioning: 0; text-adornment: underline; } .u3ac7bd6940906f2b64bd9c699d98d347 .postTitle { shading: #FFFFFF; text dimension: 16px; textual style weight: 600; edge: 0; cushioning: 0; width: 100%; } .u3ac7bd6940906f2b64bd9c699d98d347 .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; outskirt: none; outskirt sweep: 3px; box-shadow: none; text dimension: 14px; textual style weight: intense; line-tallness: 26px; moz-fringe range: 3px; text-adjust: focus; text-embellishment: none; text-shadow: none; width: 80px; min-tallness: 80px; foundation: url(https://artscolumbia.org/wp-content/modules/intelly-related-posts/resources/pictures/straightforward arrow.png)no-rehash; position: supreme; right: 0; top: 0; } .u3ac7bd6940906f2b64bd9c699d98d347:hover .ctaButton { foundation shading: #34495E!important; } .u3ac7bd694 0906f2b64bd9c699d98d347 .focused content { show: table; tallness: 80px; cushioning left: 18px; top: 0; } .u3ac7bd6940906f2b64bd9c699d98d347-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .u3ac7bd6940906f2b64bd9c699d98d347:after { content: ; show: square; clear: both; } READ: Christian confirmations Essay Daniel 2:31-35. The King was energized! Truly, that is it! That is it! he cried. That is actually what I saw! In any case, Daniel, I'm not catching it's meaning? I'm not catching it's meaning not exclusively to Nebuchadnezzar however to you and me? Daniel proceeded: You, O King, . . . are this head of GOLD. Daniel 2:37-38. The Babylonian Empire of Nebuchadnezzar (which utilized gold than any realm since) was secure as the prevailing force to be reckoned with from 605 B.C. .

The Knowledge Worker and the Learning Organization Assignment

The Knowledge Worker and the Learning Organization - Assignment Example To analyze the effect of Drucker’s deal with the linkage between the learning association and profitability, I utilize the references from a diary article by Burton Gummer just as the reading material by Drucker to underline the key associations between Drucker’s work and efficiency. To cite from the article, â€Å"Drucker focuses to six factors that decide information laborer profitability: Knowledge laborers must, all alone, distinguish the assignment that they are to achieve; information laborers must have self-governance; proceeding with development must be a piece of information work; information work requires constant learning and persistent educating with respect to the information specialist; information specialist efficiency is principally a matter of nature of yield, not amount; lastly, the information specialist must be seen by the board as a benefit as opposed to an expense. The urgent inquiry in information laborer efficiency is: What is the assignment? In manual work, the key inquiry is consistently: How should the work be finished? In manual work, the errand is constantly given. In information work, the errand doesn't program the worker.† (Gummer, 2000, p.11) As the above extract makes it understood, Drucker utilized advanced thinking to infer that learning associations do for sure add to higher efficiency just as the job of information laborers is in reality central in spreading the manner by which the commonly fortifying circles of authoritative procedures and the information laborers commitment feed on one another.

Teenage Depression Essays (1056 words) - Abnormal Psychology

High school Depression Juvenile Depression: The Under Acknowledged Disease Brain research Sadness is an illness that besets the human mind so that the tormented will in general act and respond strangely toward others and themselves. Consequently it goes to nothing unexpected to find that youthful melancholy is unequivocally connected to high schooler self destruction. Pre-adult self destruction is presently liable for additional passings in young people matured 15 to 19 than cardiovascular illness or malignant growth (Blackman, 1995). Regardless of this expanded self destruction rate, melancholy in this age bunch is incredibly underdiagnosed and prompts genuine troubles in school, work and individual change which may regularly proceed into adulthood. How pervasive are mind-set issue in youngsters and when should a youthful with changes in state of mind be considered clinically discouraged? Earthy colored (1996) has said the motivation behind why misery is regularly over glanced in kids and young people is on the grounds that youngsters are not generally ready to communicate how they feel. Now and again the indications of state of mind issue take on various structures in kids than in grown-ups. Pre-adulthood is a period of passionate strife, temperament swings, miserable contemplations, and increased affectability. It is a period of defiance and experimentation. Blackman (1996) saw that the test is to recognize burdensome symptomatology which might be superimposed on the background of a progressively transient, however anticipated, formative tempest. Consequently, conclusion ought not lay uniquely in the doctor's hands however be related with guardians, educators and any individual who connects with the patient regularly. In contrast to grown-up sorrow, indications of youth gloom are frequently conceal. Rather than communicating bitterness, young people may communicate weariness and fractiousness, or may decide to take part in dangerous practices (Oster Brown, 1996; Lasko et al., 1996) and self destruction (Blackman, 1995; Brown, 1996; Lasko et al., 1996; Oster and Montgomery, 1996) all of which can conceal burdensome manifestations. The indications of clinical discouragement remember checked changes for mind-set and related practices that go from pity, withdrawal, and diminished vitality to extraordinary sentiments of sadness and self-destructive contemplations. Misery is frequently portrayed as a distortion of the span and power of typical mind-set changes (Brown 1996). Key pointers of pre-adult discouragement remember an extraordinary change for eating and resting designs, critical loss of enthusiasm for past action interests (Blackman, 1995; Oster and Montgomery, 1996), steady fatigue (Blackman, 1995), problematic conduct, peer issues, expanded touchiness and hostility (Brown, 1996). Blackman (1995) recommended that formal psychologic testing might be useful in confused introductions that don't loan themselves effectively to conclusion. For some teenagers, side effects of sorrow are legitimately identified with low confidence originating from expanded accentuation on peer notoriety. For different youngsters, discouragement emerges from poor family relations which could incorporate diminished family support and saw dismissal by guardians (Lasko et al., 1996). Oster and Montgomery (1996) expressed that when guardians are battling over conjugal or vocation issues, or are sick themselves, teenagers may feel the pressure and attempt to divert their folks. This interruption could incorporate expanded troublesome conduct, self-exacted separation and even verbal dangers of self destruction. So in what capacity can the doctor decide when a patient ought to be analyzed as discouraged or self-destructive? Earthy colored (1996) recommended the most ideal approach to analyze is to screen out the defenseless gatherings of youngsters and teenagers for the hazard elements of self destruction and afterward allude them for treatment. A portion of these hazard factors incorporate verbal indications of self destruction inside the most recent three months, earlier endeavors at self destruction, sign of seri ous state of mind issues, or inordinate liquor and substance misuse. Numerous doctors will in general consider sorrow a sickness of adulthood. Indeed, Brown (1996) expressed that it was distinctly in the 1980's that temperament issue in kids were remembered for the class of analyzed mental sicknesses. In reality, 7-14% of youngsters will encounter a scene of significant despondency before the age of 15. A normal of 20-30% of grown-up bipolar patients report having their first scene before the age of 20. In an inspecting of 100,000 youths, a few thousand will have state of mind issue out of which 8-10 will end it all (Brown, 1996). Blackman (1995) commented that the self destruction

Attila the Hun Term Paper Example | Topics and Well Written Essays - 500 words

Attila the Hun - Term Paper Example Next to no is thought about Attila’s youth aside from that, at the youthful age of twelve, he was sent to the Roman Court as a kid prisoner (Matyszak 14). An offspring of the Romans was sent to the Huns in Attila’s place. At the point when he was twenty-seven years of age, Attila’s uncle, Rugila, kicked the bucket and left Attila and Attila’s sibling, Breda, the Empire of the Huns. Preceding Rugila’s passing, to keep the Huns from attacking, Rugila made it a necessity of the Romans to every year pay the Huns cash. At the point when Attila and Breda assumed control over the realm after Rugila’s demise, the Romans stopped paying the cash, provoking Attila to attack the Eastern Roman Empire. Attila’s wildness roused the Romans to never miss an installment again, however they needed to begin paying twofold the first sum. After Attila’s achievement in making it understood to the Romans that he was the man in control, he at that point concluded that the equivalent ought to likewise apply to his sibling. Tired of sharing his standard, Attila and his partners murder Breda. With no one holding him up of being the sovereign, Attila had no difficult taking total charge of his realm and the encompassing regions. To make his quality known among others, Attila assaulted the Eastern Roman Empire by and by, in 447 AD and vanquished the Thermopylae. After his prosperity, Theodosius II, the leader of the Roman Empire, surrendered the harmony arrangement, however now Attila was anticipating that him should pay multiple times the first add up to forestall being attacked once more. Attila had a series of wins, one that was effective more out of evilness and risk than real karma, however it was not intended to last. In spite of the fact that he ingrained his fear all through the hearts of everybody who knew him, he despite everything met his destruction in 450 AD during a war against the Western Roman Empire. Prior that year, Attila had gotten a letter from Princess Honoria of the Western Roman Empire requesting his deliver marriage so she could get away from an undesirable looming marriage. Attila announced war against

Why is the Definition of Your Thesis Statement Important?

Why is the Definition of Your Thesis Statement Important?A thesis statement is the 'key' to your dissertation. Not everyone understands what this is or how it works, so here are a few things to think about. In general, it is the center of your document that makes it be what it is: an important part of your work and the basis for your research findings. It should be a very strong, well written, short statement that explains your main point of inquiry.This is how it works: the idea that is your thesis is the key of your thesis statement. The statement takes the form of an introduction and can contain different content as a stand alone introduction or can be used as the conclusion. If you need to have more depth on your statement, you could use as many bullets as you need to explain your main idea. The most important part of the statement is, how you represent the idea.The truth is, you have to write a thesis statement that will make your readers understand your statement. So, that is t he first thing to consider: who are you writing the paper for? Just like other pieces of writing, your readers are influenced by their own experience. Think about the details of your topic and why they relate to one another.Next, consider if your main idea is something that can be explained through a single statement. Sometimes, the main idea of the paper is just that, an idea. In these situations, it is best to deal with the details in the conclusion or at the end of the section. You don't have to get too detailed because you might lose the meaning behind your main idea. The result will be that you have a very general summary but you don't have any further information that can actually be applied.The next issue to consider is if the thesis is something that is related to the problem you are trying to solve. It can be a small detailor it can be your whole thesis. You can talk about the relationship between two ideas and describe the impact it has on your topic. Other examples includ e comparing a specific action to the way the scientific method works. Or, comparing the progress of science in the recent decades to the progress of scientific theory in the early part of the 20th century.Consider what type of relation or association the thesis statement has to your topic. If your topic is biology, then you might want to look at how biologists use words in their papers to convey a certain idea. If the thesis statement deals with ethics, then you might want to look at what you mean by ethics and how it applies to your topic. Another example is comparing physics to neuroscience. You would want to talk about how theories are changed, whether they should be changed, and why change is necessary.The importance of a thesis statement does not only have to do with your research. If you are not sure if your point of inquiry will be understood or presented properly, consider how you wrote your thesis. Does it reflect the way you approached the problem? Was it an introduction o r a conclusion? Why was it an introduction and why was it a conclusion?Remember, in real life, you have to present a thesis statement in all of your work. Writing a good one will help you achieve better research results and make it easier to communicate the real information in your paper.

Animal Domestication Essay - 275 Words

Animal Domestication (Research Paper Sample) Content: Animal DomesticationNameInstitution AffiliationAnimal Domestication Animal domestication is a tremendously intricate practice. It refers to the hereditary transformation of wild animals into domestic forms correspondent to peoples interests; once wild animals are nurtured by human beings away from the jungle for the purposes of providing human needs such as food. It starts with a person capturing a wild animal, confining it in the home and finally nurturing it. There are two phases to this practice, animal keeping and animal breeding phases (Roots, 2007). Animal keeping describes the primitive stage of domestication where the mission was accomplished without controlled feeding and decisive selection whereas animal breeding represents the advanced stage characterized by controlled quality and well as the quantity feeding. The essence of animal domestication entails as taming of wild animals of specific behavioural characteristics for profits. The first cases of domesti cation are traced back to the Mesolithic Period where hunters made attempts to rear sheep, goats and dogs. Initially, the animals were tamed exclusively for food and hide but with time the reasons for domestication diversified to transportation, cleansing and sport. Donkeys and camels were responsible for towing of chariots and carts ferrying people and goods from one place to another whereas cockfighting and making sacrifices to the gods was performed using cocks. Although people domesticated bees for honey that played an enormous role in ancient peoples nutrition, bees were slightly used in warfare serving the purpose of dispersing opponent troops. Currently, the domestication practice is advanced to the level of zero-grazing and cross-breeding and stretches to keeping animals to serve as pets. Animal feeds are now commercially produced to feed domesticated animals. Benefits realized from such ideas compared to those enjoyed during the primitive period propel these ideas and deve lopment (Ucko, 2007). First, there has been improved disease resistance between the cross-bred animals. Second, productivity of animals has significantly increased, for example, the Friesian cow produces more milk than the cow anciently domesticated by ancient people. In summary domestication was practiced for a number of reasons, initially for food and hides only, then transportation. Currently, the practice has immensely developed with some people commercially practicing it w...

One of one jewelry design - Free Essay Example

Sample details Pages: 8 Words: 2414 Downloads: 8 Date added: 2017/06/26 Category Uncategorized Essay Type Research paper Did you like this example? Executive Summary One of One Jewelry Designs specializes in bridge jewelry created as unique, elegant, and contemporary jewelry. Jewelry with a cutting-edge design has always been of interest to a certain class of jewelry buyers. We intend to fulfill that need by researching authentic contemporary designs with fabricated bridge jewelry. Using bridge jewelry metals instead of gold, and precious stone will allow for us to keep our retail price point below $65. This will increase our appeal across all age ranges, and especially in our target market of females under the age of thirty. General Company Description One of One Jewelry Design is a Limited Liability Corporation. The business will become an online web-store operational as of December 2009. The purpose is to provide unique wire-wrapped, hand-crafted jewelry to consumers who buy mid-range jewelry for its one of a kind quality. The art of crafting wire-wrapped jewelry goes back in time at least 4000 years ago. Wire- wrapped jewelry has been found with the relics of the Ancient Phoenicians and the tombs of the once found Egyptians. The art of wire-wrapping jewelry is now flourishing in the United States, Canada and England, with many creative jewelry wire-wrapping artists in each of these countries. The contemporary look of wire wrapped jewelry started in England shortly after World War I. A gentleman by the name of Mr. C. G. Oxley used wire-wrapping as therapy for many veterans at war. His then student, Jim Llewellyn, transported the art of wire- wrapped jewelry to Canada. Mission Statement: To offer a premier level of cust omer service and professionalism, while providing our clients with a great selection of the most beautiful, unique and one-of-a-kind jewelry skillfully hand-crafted at an exceptional value. Jewelry historically has been purchased by older consumers whos at an age where they could meet the expense of luxury goods, it has been theorized by demographers for many years that jewelry was a life cycle buy related to age. They concurred that jewelry demand was determined by both age and income. Therefore, demographically, our target audience is women between the ages of 25-40 years of age. The jewelry industry is in a state of growth. According to analyst Patti Evans of Jupiter Research, the U.S online jewelry sales grew 19.3% from the prior year $2.2 billion or 5.8% (2006) of the total market, while having an expect growth in 2009 of $2.7 billion or a 6.6% market share. With such market growth we plan to offer high-level jewelry made with 10K and 14K gold in the foreseeable future. We have designed a company that can create loyal customers for generational time spans. Our pricing system is a scaled down system based on specific lines that suits our target market across the board. Our customer service is what we believe will take our company into success. When the consumer can reach someone within a company and be catered to for their specific needs it leaves a commitment stamp. We plan to have a 1-800 number for clients to reach us, in which, many hand-crafters dont offer. Chavon has been creating hand-crafted jewelry for two years. She began by stumbling upon a favorite necklace of hers that had broken. She then visited the local bead store for the findings to repair the necklace and while there in the bead store it all began. Chavon began searching the web, buying supplies and tools gaining knowledge of jewelry-making and became a self-taught jewelry designer. Her years of co-managing her husband, who is a musician helped her to understand business and hard-work. Don’t waste time! Our writers will create an original "One of one jewelry design" essay for you Create order Products and Services While understanding the notion that many elements in creating jewelry are based on techniques, we plan to expand on these uses of techniques and provide our clients with unique, elegant, and one-of-a-kind meaningful creations that will connect with the buyer/wearer. We plan to capitalize on the use of using quality materials versus costume jewelry materials that use base metals, rhodium, and silver plate. Our jewelry is designed with Argentium (non-tarnish) sterling silver, gold-filled wire and includes semi-precious gemstones, natural stone cabochons, shells and pearls, and Swarovski glass crystals. The sense of design is flowing, contemporary and elegant. The creations include wire-wrapped pendants, rings, earrings, and necklaces. In times of economic pressure its shown that consumers cut back on discretionary items like jewelry. As a true understanding, the more wealth one has there will be less effect on them during the ups and downs of economic conditions. Therefore, our jewelry will be priced between $30-$65, which will allow us as a company to weather economic swings while offering mid-level bridge jewelry. Marketing Plan Economics Facts about your industry: The jewelry industry on a whole is a $27 billion dollar industry. Fashion jewelry takes up 22% of the market share. The current demand in the fashion jewelry market is sterling silver, and gold filled jewelry. The trends in growth are online selling, and personal tastes in uniqueness. Product Features and Benefits The products that we are initially carrying are: Handmade Earrings Handmade Rings Handmade Necklaces Our special handcrafted jewelry is featured with Argentium sterling silver and gold-filled precious metals. With such quality materials the consumer benefits include, quality appreciation, pride in purchase, a memory to last forever, and exclusivity of a one-of-a-kind handmade jewelry creation. The after-sale services we will offer will include prompt delivery through the reputable UPS mail and package carrier. Packages will all contain a delivery confirmation to ensure customer purchases. We will guarantee our product through our refund and exchange policies that will be shipped with every package on the invoice and available on the website. Customers The targeted customers for One of One are women from the Generation Y and Generation X. The buying characteristic of Gen-Yers has shown that they spend an eye-catching $150 billion a year. And they influence another $50 billion in family purchases (Baby Boomers), bumping the total to $200 billion. Generation Y is also, of course, the most digitally world-wise. About nine out of 10 have access to a home computer whereas half have internet access. These groups are also more socially conscious and globally aware. Competition The demand for jewelry is mostly determined by the disposable income of customers. The increasing amount of wealthy individuals, working women, double-income households and fashion-conscious men has kept jewelry sales strong. When raw material prices fall, jewelry becomes more reasonably priced, and consumer demand elevates. Renewing assurance in the economy has also plays a major role. Online jewelry sales have risen steadily. This has forced retail merchants to adapt and many have moved some sections of their business online. Because jewelry is not often branded, product differentiation is a key point of competition among for One of One Jewelry. High-quality designers are appreciated. Niche Now that you have systematically analyzed your industry, your product, your customers, and the competition, you should have a clear picture of where your company fits into the world. In one short paragraph, define your niche, your unique corner of the market. Strategy Offer unique, unusual jewelry designs as private label merchandise while creating an opportunity for customers to buy items retailing for under $100, and give the customer a reason to buy through social networking Web sites Facebook, Twitter, and MySpace. Operational Plan Production The products of One of One will be produced in a home-based (residential) setting. Explain your methods of: Production techniques and costs Quality control Customer service Inventory control Product development Location The qualities that are present in this location (home) allows for a designated office space that is 12by 16 to be fulfilling to produce jewelry products. The power and utilities prove to be adequate with white light bulbs for true color. The access to the home-based business serves great for deliveries from suppliers. The hours of operation will run from 10am-5pm. Legal Environment At this time One of One is looking into trademarking its logo and slogan. Personnel One of One has 2 employees Owner and Co-Owner. The labor that exist between the owners are skilled and professional. At this time One of One is not pursing employees. The owners have a strict schedule of business operations, therefore; provides the quality of each other to speak for itself. The Co-Owner is the jewelry designer and the Owner handles day-to-day business operations. Inventory The inventories that will be kept are supplies, and finished goods. The inventory investment is 15% of bi-weekly sales. The lead time for ordering is 3 weeks. Suppliers Key suppliers: MonsterSlayer.com Monsterslayer, Inc. 4187 US Highway 64 Kirtland NM 87417 Noble Packaging Inc. Noble Packaging Inc. 20 Sand Park Rd. Cedar Grove, NJ 07009 The types of inventory furnished by Monster Slayer are wire and beading components and packaging materials are provided by Noble Packaging. Monster Slayer is my primary source, however; my backup supplier is jewelrysupplies.com. Due to the pricing of Gold and Silver fluctuating we have made a 2% window of budgeting to allow for that. Management and Organization One of One is a partnership organized and managed by the owners. Initially, all design, fabrication, and marketing efforts are the responsibility of the owners. As the company grows, these positions will be filled, part-or full-time, as needed. One of One Jewelry Design plans to fund operations principally from cash provided by both gross receipts and owner investments, and will not generally rely upon external sources of financing. The company has in place a jewelry line timed to hit the market at proceeding the holidays of 2009. The company feels sale of this line will provide sufficient cash flow to cover both variable and all operating expenses, with the exception of advertising and marketing, for a one-year period. The company feels cash flow from anticipated sales for this line of jewelry will carry the company at least six months, into 2010. The capital requirements result primarily from purchases of inventory, advertising, and shipping. As the inventory requirements f or the jewelry line are known well in advance of production, inventory cash requirements are predictable during the year. Purchasing decisions will maintain a gross margin percentage of 100 percent. Normal jewelry markup is three times this number. However, One on One is a home-based business, lower operating costs will offset the effect of the gross profit margin. Appendices Include details and studies used in your business plan; for example: Brochures and advertising materials Industry studies Blueprints and plans Maps and photos of location Magazine or other articles Detailed lists of equipment owned or to be purchased Copies of leases and contracts Letters of support from future customers Any other materials needed to support the assumptions in this plan Market research studies List of assets available as collateral for a loan Refining the Plan The generic business plan presented above should be modified to suit your specific type of business and the audience for which the plan is written. For Raising Capital For Bankers Bankers want assurance of orderly repayment. If you intend using this plan to present to lenders, include: Amount of loan How the funds will be used What this will accomplish how will it make the business stronger? Requested repayment terms (number of years to repay). You will probably not have much negotiating room on interest rate but may be able to negotiate a longer repayment term, which will help cash flow. Collateral offered, and a list of all existing liens against collateral For Investors Investors have a different perspective. They are looking for dramatic growth, and they expect to share in the rewards: Funds needed short-term Funds needed in two to five years How the company will use the funds, and what this will accomplish for growth. Estimated return on investment Exit strategy for investors (buyback, sale, or IPO) Percent of ownership that you will give up to investors Milestones or conditions that you will accept Financial reporting to be provided Involvement of investors on the board or in management For Type of Business Manufacturing Planned production levels Anticipated levels of direct production costs and indirect (overhead) costs how do these compare to industry averages (if available)? Prices per product line Gross profit margin, overall and for each product line Production/capacity limits of planned physical plant Production/capacity limits of equipment Purchasing and inventory management procedures New products under development or anticipated to come online after startup Service Businesses Service businesses sell intangible products. They are usually more flexible than other types of businesses, but they also have higher labor costs and generally very little in fixed assets. What are the key competitive factors in this industry? Your prices Methods used to set prices System of production management Quality control procedures. Standard or accepted industry quality standards. How will you measure labor productivity? Percent of work subcontracted to other firms. Will you make a profit on subcontracting? Credit, payment, and collections policies and procedures Strategy for keeping client base High Technology Companies Economic outlook for the industry Will the company have information systems in place to manage rapidly changing prices, costs, and markets? Will you be on the cutting edge with your products and services? What is the status of research and development? And what is required to: Bring product/service to market? Keep the company competitive? How does the company: Protect intellectual property? Avoid technological obsolescence? Supply necessary capital? Retain key personnel? High-tech companies sometimes have to operate for a long time without profits and sometimes even without sales. If this fits your situation, a banker probably will not want to lend to you. Venture capitalists may invest, but your story must be very good. You must do longer-term financial forecasts to show when profit take-off is expected to occur. And your assumptions must be well documented and well argued. Retail Business Company image Pricing: Explain markup policies. Prices should be profitable, competitive, and in accordance with company image. Inventory: Selection and price should be consistent with company image. Inventory level: Find industry average numbers for annual inventory turnover rate (available in RMA book). Multiply your initial inventory investment by the average turnover rate. The result should be at least equal to your projected first years cost of goods sold. If it is not, you may not have enough budgeted for startup inventory. Customer service policies: These should be competitive and in accord with company image. Location: Does it give the exposure that you need? Is it convenient for customers? Is it consistent with company image? Promotion: Methods used, cost. Does it project a consistent company image? Credit: Do you extend credit to customers? If yes, do you really need to, and do you factor the cost into prices?