Business Plan For A Loan Request - 1599 Words

September 19th, 2015 Robbie Boggs, Vice President Wells Fargo Inc. 1527 Pelham Road S. Jacksonville, AL 36265 Dear Mrs. Boggs, As we agreed during our meeting on August 15th, I am enclosing the business plan to support a loan request in the amount of $64,000 for start-up capital for my company, Sweet Peas. As we discussed, an additional line of credit is requested in the amount of $32,000, required for core stock inventory and start-up costs. Thank you for your consideration. I look forward to your reply and to the prospect of a long-term relationship with your bank. Sincerely, Cathryn Champion Sweet Peas 1 Public Square E Jacksonville, AL 36265 256-613-1518 sweetpeas.com Sweet Peas Cathryn Champion Owner†¦show more content†¦Sweet Peas is a baby boutique featuring newborn and toddler clothes with everything you need to dress your baby for any occasion. Offering trendy clothes for an affordable style from head to toe. Prices will range from $10 baby accessories to $100 customized bring-home outfits. While initially the goal is to open one boutique, expansion plans include potentially franchising the retail store and/or building a well recognized brand name. In turn, hoping to penetrate a sizable portion of the online retail market. This boutique is an upscale, stylish baby and children’s store located in downtown Jacksonville, Alabama. It is conveniently located right on the square next to a non-competitive retailer, Hannah’s Closet. There are tons of benefits to this location including free parking and Jacksonville State University foot traffic. Downtown Jacksonville is a popular destination with many places to eat, shop, and more. The Management Team: ItsShow MoreRelatedProject Analysis : Hop Hlp Project1466 Words   |  6 Pagesown office so that he can request for home ownership or loan and complete all the procedures without going to any place (HR department). Also the HR employee will benefit from this system, it will save their effort and time in collecting requests and ranking the employees according to the consistence and priority check-in age, marital status and functional class. The program itself will be managing each request with its own ranking process and it will update the request status for the employees toRead MoreA Report At The Liberty Home Equity Solutions, Inc.1069 Words   |  5 Pagesâ€Æ'Operational Management – All responses to cancelled, pre-funding, and post-funding loan audit findings are analyzed monthly by the Quality Issue Research Committee and system/process changes are created or requested. The committee consists of the Operations Engineer, the Compliance Analyst, and the Quality Control Manager. The purpose is to analyze the QC findings to determine the root cause and create action plans, place IT tickets for system enhancements, and communicate defects related to the 3rdRead MoreBest 5 Ways For Debt Collection Essays612 Words   |  3 Pagesaccumulate connected with bad debts you’re supposed to be paid, nevertheless little states judge, loan companies, in addition to attorney at law charges might situations be eliminated in the event that you’re wise in addition to practical. There are few ways listed to guide you on your own in opposition to non-payment. Utilize a Promissory Note: Most of us can’t stress this enough: If you are going to loan a business or other individual some amount of cash, put in writing. It is clear that asking a friendRead MoreAnalysis Of Landsdowne Meeting1633 Words   |  7 Pagesprevious minutes from the May 9, 2017 and May 16, 2017 meetings. R. Aldrich noted a change for the May 16, 2017 minutes for New Letterman Associates loan fee should read 0.375% not .0375%. Upon motion made and seconded, the minutes were approved as amended. C. Reddick, J. Marchese and R. Anderson presented the following new residential mortgage request. Ralph and Sharon Dietze (Borrowers) are requesting a Jumbo mortgage for up to $1,440,000. Ralph Sharon Dietze are the owner/operators of LandsdowneRead MoreMonetary Development And The Federal Reserve System1630 Words   |  7 PagesMonetary development is something that everybody around the globe battles with ordinary. A great many people are unmindful in respect to what s genuinely happens in the economy as to expansion, unemployment, and loan costs; these things are all directed by a national bank called the Federal Reserve System. The arrangement that I will talk about in this paper chooses if unemployment, hobby, and swelling declines or increment is fiscal strategy. Money related arrangement chooses what value a man paysRead MoreRaising Finance1286 Words   |  6 Pagestheir expansion plans from cash flow alone. They will therefore need to consider raising finance from other external sources.  In addition, managers who are looking to buy-in to a business (management buy-i n or MBI) or buy-out (management buy-out or MBO) a business from its owners, may not have the resources to acquire the company. They will need to raise finance to achieve their objectives. There are a number of potential sources of finance to meet the needs of a growing business or to financeRead MoreTootsie Roll1154 Words   |  5 Pagesmaking a business better is something that we can and will do. Taking the Tootsie roll industry to the next level will require expanding the corporation and offering opportunities that will entice candy lovers of all ages. The physical expansion project along with the ‘taste and see’ tours will bring back the excitement of Tootsie rolls while taking the company to the next, sweet level. Purpose for Loan Request The Tootsie Roll Corporation would like to apply for a business loan for theRead MoreClarkson Lumber Company Case Study Essay869 Words   |  4 Pagesborrowed increasing amounts despite its consistent profitability? Because they have faced cash shortage trouble. Their profitability has grown for 1993 ~ 1995 period, as we can see from their I/S (e.g. Sales and Net Income, etc.). However, as its business size grows, their A/R increased, which means that it is getting difficult to collect cash. On the other hand, A/P decreased for the same period, which means that the company paid cash for A/P, resulting in critical cash shortage. Furthermore, theRead MoreCredit Score, And Why Is It Important For Your Future Success?848 Words   |  4 Pagesnumber between 300 and 850 that shows lenders the capacity of a borrower to repay loans (http://www.oxforddictionaries.com/us). The FICO score was first introduced in 1989 by FICO, then called Fair, Isaac, and Company (source). VantageScore exists as a competitor of FICO score since 2006. It’s been said that capacity was reputation-based in the past -mouth to mouth- which made it hard to judge fairly a person because business’ owners and lenders used to take into account the character of a person (specificRead MoreCommercial Loans Are Not Your Average Payday Loans1734 Words   |  7 PagesCommercial loans are not your average payday loans. People who seek commercial loans have a business plan in mind; from rental properties like condominiums or duplexes, office expansions or relocations, manufacturing facilities to a local sub or pizza place. Capital is needed and sometimes lots of it! Some Commercial lending institutions include: Small Business Association (SBA) - governmental business lending. Bank of America - touted to be the number one SBA (Small Business Association) lending

The Improvement Of My Studying Strategies - 981 Words

The Improvement of my Studying Strategies Like many students I have trouble studying for classes and the many test that are assigned within the classes. I find that for some classes different techniques need to be used to get a better grade on their tests. For cognitive psychology remembering terms and concepts is essential and needed to pass any of assignments that have been given. Although I did okay on the last test I feel as if there is much room for improvement for my grades. I would like to try to retain most of the knowledge that I read and pick up in class ,however this task is easier said than done . The specific things I would like to focus on when it comes to this class is remembering the key terms used during lectures ,and being able to recall them properly during test and other situations. Being that this is a cognitive psychology class there are many techniques that I learned that can improve my way of learning and processing new information. To actually be able to get a better understanding of the cognitive concepts that i read about i must first be able to properly keep the information. One of the fundamental concepts used throughout psychology and everyday life to assist those with remembering is the concept of Chucking. Chunking is the idea that one can organize data together to improve their ability to remember the information later on. Chunking was first thought up by a man named George A. Miller who proposed that humans can only really retain 7 +/- 2Show MoreRelatedLearning Styles Essay922 Words   |  4 PagesAdjusting learning and studying strategies can be a fast easy way to improve a college grade from a B to an A. Through studies of learning styles I have been able to decipher my learning types. I am a visual learner, have an integrated brain, meaning I use both hemispheres, and ranked highest in bodily-kinesthetic and logic-mathematical intelligence. There are three types of learning styles. They are: auditory, visual and kinesthetic. An auditory learner processes information by hearing andRead MoreHow My Performance During The First Half Of The Class Essay1023 Words   |  5 Pagesdone well and what areas need improvement. What kind of learning/studying strategies will help you improve? My performance during the first eight weeks of this course has been subpar. I began strong with my reading assignments and lost focus when it came time for the exam. I knew that my first test wouldn’t go so well and that was due to my own lacking and accountability. However, my second test I gave much attention and felt I knew the material very well. Because of my first test, I doubted myselfRead MoreEssay on Team Dynamics1465 Words   |  6 Pagestime management strategies, and create a goal action plan. Part One: Personality Styles 1. Complete the Multiple Pathways to Learning Assessment on pp. 41-42 in the text Keys to College Studying. 2. Complete Steps 1 and 2 of the Personality Spectrum on p. 46 in the text Keys to College Studying. 3. Using the information in Key 2.2 on pp. 43-44 and Key 2.3 on p. 48 of the text Keys to College Studying describe your optimal learning times and optimal learning environment. My optimal learningRead MoreMy Interest On Health Policy1229 Words   |  5 PagesMy interest in health policy has emerged from the desire to empower those who have a lesser ability to change their own personal circumstances. Throughout my life, three characteristics have driven my goals and choices: (1) an appetite for travel and broad exploration; (2) an enjoyment of problem solving; and (3) a deep-seated desire for equity and justice. For as long as I can remember, it has been my goal to integrate these three core values into my career, and they have fueled me to become a moreRead MorePrinciples And Theories Of Organizational Change1046 Words   |  5 Pages Leaders play a critical role in harvesting a culture of learning to accomplish mission goals. The members guided by a shared vision and best practices to improve organizational processes. Leaders can accomplish their change vision by creating a strategy for achieving organizational goals. Incorporate principles and theories of organizational change in describing the context of an institution. If polled most would probably agree that change is good, weather in our personal lives, sports teams orRead MoreTest Taking Strategies1411 Words   |  6 PagesTest-Taking Strategies For 10 years, I was the one testing the students, teaching strategies and finding new ones to help students study. Suddenly, I found myself returning to school and the anxiety, stress, lack of time, and just all the unknowns seemed to overwhelm my life. The last couple of years I have learned to incorporate strategies that work best for me, but there is always room for improvement and strengthening. Learning, study and test taking skills are some of the most important thingsRead MoreSample Resume : Self Care1184 Words   |  5 PagesNursing School Self-care is taking a strategic measure to ensure that one is safe and stays in focus. They are personal decisions that one takes for to improve their health. In this case, my self-care is to ensure that I remain in line with the nursing school and nursing career in general, and set strategies to implement the key options that I have chosen. These include time management, , focusing more in nursing school and exercising. The field of nursing is diverse (Lever, 2010, p. 105). It requiresRead MoreDevelopment Plan For The Professional And The Academic Field1521 Words   |  7 Pagesdevelopment to improve their capacity to have their own academic program planned and which helps them to be more effective in managing and reviewing their progress; being more aware of how they are learning and what kind of teaching and learning strategies are they trying to achieve;  · recognising and making good use of their own strengths to cover and improve their weaknesses;  ·discovering opportunit ies for learning and personal development around them;  · being better prepared for both seeking employmentRead MoreReflective Review of Personal Professional Practice1538 Words   |  7 PagesReflective Review of my personal and professional practice Learning outcome: Demonstrating inclusive practice (PP1) My name is and I am the manager of a day care setting based in the north of London; in a rich culturally mixed community. I manage a 41 place centre offering full day care services for children aged 6 months to 5 years. I am responsible for the overall running of the setting including the writing of policies and recruitment of staff. I am also the settings SENCO, nominatedRead MoreSample Resume : Self Care1176 Words   |  5 PagesNursing School Self-care is taking a strategic measure to ensure that one is safe and stays in focus. They are personal decisions that one takes for to improve their health. In this case, my self-care is to ensure that I remain in line with the nursing school and nursing career in general, and set strategies to implement the key options that I have chosen. These include time management, exercising, and working fewer hours while in nursing school. The field of nursing is diverse (Lever, 2010, p.

Roberto Clemente Speech Free Essays

â€Å"He gave the term â€Å"complete† a new meaning. He made the word â€Å"superstar† seem inadequate. He had about him the touch of royalty. We will write a custom essay sample on Roberto Clemente Speech or any similar topic only for you Order Now † This was a quote stated by former commissioner of Major League Baseball, Bowie Kuhn while speaking during Roberto Clemente’s eulogy. When baseball season came around in seventh grade, my coach of the Lakeland Copper Beech Middle School team, Fabrizo Morejon, explained that he wore the number 21 in honor of his childhood hero Roberto Clemente. He seemed such an advocate of this man that it gave me a strong motive to research and to find out who this man really was. When I began to read all about him, I found that his career was not just filled with spectacular baseball achievements, but even more so was all about humanitarianism, and about Clemente’s drive to help others and be a source of pride for his native country. This is something that you don’t see to often today. In a day where baseball players today make tens of million dollars annually and are virtually superstars wherever they go many players cannot be bothered with the well being of others. This instantly became a favorite hero of mine. This speech will take you through the early life and beginning struggles of his career, through his success in the major leagues, ending with his tragic death and legacy left on the world. So lets go way back, back to the 1930’s in Puerto Rico where Roberto was born. I. Early life, Getting drafted, Struggles in the majors A. From the beginning always close to his family 1. Formally Roberto Walker Clemente was born on August 18th, 1934 CLICK in a small town located in Carolina in the north east portion of Puerto Rico 2. Roberto was the youngest of seven children born to Luisa Walker and Melchor Clemente 3. His family was very poor growing up so Roberto happily spent his childhood working part time jobs pitching into the family well being B. Growing up 1. Roberto was a natural athlete from the time he emerged on the scene in his high school years a. Was a four sport varsity athlete playing football in the fall, basketball in the winter, and baseball and track and field in the spring b. Because Roberto was so good at track and field they let him just ome to the matches because practices interfered with his baseball schedule, which always came first 2. Coming directly from Roberto’s journal from high school â€Å"I loved the game (baseball that being) so much that even though our playing field was muddy and we had many trees on it, I used to play many hours every day†, this showed how much Roberto truly loved playing the game C. It wasn’t long before Roberto’s exceptional an d â€Å"superstarish† play wasn’t noticed 1. In 1954 Roberto was signed by the Pittsburg Pirates for 4,000 dollars 2. Moving to America was a major culture shock and change for Roberto a. Racial tensions existed between he and his teammates as well as between he and the local media and this really frustrated Roberto and made it tough to concentrate on baseball b. Clemente responded to the racism he faced by declaring this postgame response â€Å"I don’t believe in color†¦I always respect everyone and thanks to God, my mother and my father taught me never to hate, never to dislike someone because of their color†, this really shows his true care and respect for the nature of people in general c. Teammate Joe Black was the most import to his assimilation into American society, being the only other player to speak Spanish D. His career had a really rough beginning 1. His first season was cut short because he got into a drunk driving accident hurting his back, hitting a measly . 225 even when healthy 2. After the shaky start to his career Roberto decided to go through marine camp and become a reserve in order to get into a stronger better condition as a player Going into the marines and committing himself to baseball once again took his career for a turn for the better II. Successes A. Roberto Clemente made a strong comeback after his abysmal start to his career in his first season 1. CLICK By the start of his second season, Roberto was hitting leadoff for the Pirates playing the entire season, hitting . 314, a very respectable average 2. Helped the Pirates win a world series vs. the New York Yankees (I know it hurts to say) 3. He went to his first all star game that same season B. During the middle of his career, Roberto got married 1. On November 14th, 1964 Roberto Clemente got married to Vera Zabala back in his hometown of Carolina, of course in Puerto Rico 2. He had three children with Vera Zabala named Roberto Jr. , Luis Roberto, and Enrique Roberto C. From the time that Roberto turned his around his career he was a very consistent and productive player 1. After 1961, which was his breakout season talked about earlier, Clemente went on to win a Gold Glove and was an all star team starter, every season for the next decade, VERY CONSISTANT 2. In 1966 he won the most prestigious award in the MLB, which is the Most Valuable Player award 3. Ended his career with exactly 3000 career hits, being only the tenth player ever to do that at the time a. Many of you know this man CLICK who just got 3000 hits CLICK and was king of New York for a few days b. However, Clemente got to this feat playing in fewer games than Derek Jeter However, sometimes in life it seems that bad things just happen to the good people III. Death and Legacy A. Roberto’s life came to a tragic end, in a truly charitable way, just the way that I’m sure he would have wanted it to happen 1. When the city of Managua in Nicaragua was hit with a massive earthquake, Roberto, not even a native of that country was the first to step up and help 2. Because there were numerous rumors that the relief effort materials were being diverted by government officials, Roberto wanted to fly there himself and make sure they got the materials themselves 3. New years eve, 1972, Roberto got in a plane in attempt to personally deliver the relief materials himself, CLICK however the plane crashed just after take off killing Roberto and everyone else on board B. Today Roberto is still remembered in many different ways 1. In Pittsburgh, the major bridge leading near the stadium is named after him CLICK, along with the right field wall in the new stadium is 21 feet high CLICK and nobody is allowed to wear the number 21 in a pirates uniform in honor of Clemente 2. The MLB made an award in his name, which is an annual award given to the player who â€Å"best exemplifies the game of baseball, sportsmanship, community involvement and the individual’s contribution to his team† CLICK So even though Roberto has been gone for over 35 years the Major Leagues remember him every year for his qualities not just on the field but off as well, not something that can be said by to many players I hope that through this presentation, going from the beginnings of Roberto’s life through the ups and the downs of his career and finally ending with his heroic death and legacy, everyone got a real feel for who this man really is. I did not want to stand up here and you guys think that I was just talking about some baseball player who had really good stats and hit a lot of homeruns. Because that’s not the case with this man, at all. The life of Roberto Clemente is one consisting of outrageous baseball statistics CLICK, a profound love of the game, and a desire to help others. With all of his charity work and accomplishments Roberto Clemente’s legend lives on and he continues to inspire not only Latinos, but people all over the world. To leave you all with one quote from Roberto that truly just exemplified his personality, â€Å"Any time you have an opportunity to make a difference in this world and you don’t, then you are wasting your time on Earth. CLICK How to cite Roberto Clemente Speech, Essay examples

Business Law Liability of Business for Negligence

Question: Discuss about theBusiness Lawfor Liability of Business for Negligence. Answer: Introduction Tort Law refers to the civil wrong which results in loss or harm to one person due to unfair acts of the other person. However, if the harm or loss is caused due to act of negligence then it cannot be called as crime but it can be said that the negligence is a kind of tort occurs due to damages between the parties. Business organizations are liable and responsible for the loss and damages caused due to negligence as vicarious liability and strict liability. Organizations are liable to ensure the stakeholders safety for the unreasonable negligence and required to compensate the loss or damage. In case of strict liability that is applicable in case of personal injury, the victim is required to prove the act of negligence before claiming the compensation. If the harm is proved then the business organization are strictly liable to compensate the damages (Backof 2015). For instance, if the business organization manufactured defective products that caused harm to the consumers the organiza tion has absolute liability to compensate the amount of loss to the consumers. Actions to be Taken to Limit the Liability In order to limit the liability of negligence, the actions that can be taken is liability insurance that is undertaken to protect the potential losses from the legal lawsuits. Another action that can be taken to limit the liability is the policy on professional liability that covers the liability at the professional level. Further, Business organizations are required to complete legal formalities for the manufacturing processes and issue of shares. Organizations are required to document the business actions with respect to the relevant business decisions, business functions and content of business meetings. The business organizations are also required to maintain separate assets for business and personal purpose to maintain the expenses and other relevant charges by following the invoices and other documents (Samsonova-Taddei and Humphrey 2015). Reference List Backof, A.G., 2015. The impact of audit evidence documentation on jurors' negligence verdicts and damage awards.The Accounting Review,90(6), pp.2177-2204. Samsonova-Taddei, A. and Humphrey, C., 2015. Risk and the construction of a European audit policy agenda: The case of auditor liability.Accounting, Organizations and Society,41, pp.55-72.

Howie day- Collide free essay sample

I have recently heard that many people think of Howie Days song collide is a break up song. That is completely incorrect. This song is actually a song to his girlfriend about something nice. Even though our world isnt always nice, there are people that dont make everything about hate and anger. This song is about him REALLY loving his girlfriend and her soon finding out that she loves him just as much. Yeah, that is the exact opposite of what people were thinking. I know that the first time you listen to it, it sounds like he is saying that she broke up with him but shes going to realize that they are meant for each other. That would almost be correct except for the small fact that it isnt what the song is about. He is simply saying I love you and I have never felt like this before. We will write a custom essay sample on Howie day- Collide or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Soon enough, you are going to realize that you feel the same way. This misconception simply proves that many people are pessimistic. Everyone automatically thinks the worst of everything. We automatically think this is a sad, depressing, and possibly anger filled song. The truth is that this is a sweet song about a guys true love for a girl that he isnt afraid to express. That isnt bad or negative, that is actually good and sweet. I know that our world has a lot of bad things in it but that doesnt mean that EVERYTHING in the world is bad. Its like walking down a street, there might be a thug or a thief but everyone else isnt like that. In this case, there are songs that are sad, depressed, emotional, and anger filled but that does not make every song that you hear just like those songs. This song has a fun beat and is really nice. So this is just proving that not everything in the world is bad even though people might expect it to be

Nursing scholary paper essays

Nursing scholary paper essays Mr. G, an advanced resident in Sunnybrook, who has swallowing problem, was fed breakfast by a nurse in the dining room. He seemed fatigue and fell sleep 5 minutes after feeding. I observed the nurse shaking his shoulder with her hand and speaking in loud matter: Wake up, open your mouth, hurry up. Values are important because they influence decisions and actions, including nurses ethical decision making.(Kozier,2002, P71) Here we can see that Mr.G felt tired and wanted to sleep rather than having breakfast. For the nurse, she felt upset and believed that proving nourishment at breakfast is fundamental to caring. Also, the breakfast is beneficial for him. It gives him energy and promotes his health. The nurse believes she is responsible in providing care for him and she has considers the safety issue in order to prevent his choking if he falls asleep during breakfast. A right is a claim or privilege to which one is justly entitled, either legally or morally. (Keatins Neil B,2000,P264) For Mr.G, he has the right to be treated with courtesy and respect. The nurse spoke loudly: wake up, open your mouth hurry up. This treated him like a child. He has the right to agree or refuse participation in any health care, once he knows the consequences of any of these decisions. However, he is responsible to work as a partner in the health care team and to follow the safety standards of the nursing home, to give his caregivers accurate information about his health and needs. For the nurse, she has the right to express her thinking and carry out the care in agreement with the patients and respect for the clients. She is responsible for providing, facilitating, advocating and promoting the best possible care for clients, seeking assistance and taking responsibility for errors including verbal, emotional and unprofessional behaviors toward clients. Therefore, sh e cant touch the cl...

Strategic Management at Nokia Coursework Example | Topics and Well Written Essays - 1500 words

Strategic Management at Nokia - Coursework Example Strategic thinking is defined as â€Å"an intent-driven approach to a strategy based on critical theory and supported by a complex cluster of cognitive capabilities that are distinct and different from strategic planning†. It can be clarified further as a cognitive process that is quite different from the strategic planning process and can stand independently as a formally created planning process. It depicts itself differently irrespective of being generated by an organization, team or an individual (Grundy and Brown, 2002). The main purpose of strategic thinking is problem-solving and leading a rigorous process of challenging, exploring and examining the underlying premises of the strategy and at the same time, generating new options for creating a sustainable, innovative and winning strategy. Strategic thinking is imaginative, inclusive and based on critical-reflective process. The positioning of future competitive advantage for the organization is the heart of every strate gy. In this regards, strategic thinking should reflect this essence. Strategic thinking is the process that helps in driving the strategy. Positioning the future competitive advantage signifies that competitive advantage of an organization erodes with time and strategic thinking is required in this respect for continuously strengthening and developing it. In an organization, the executives, the policymakers and senior line managers are seen to exhibit strategic thinking. A similar situation is also observed in the case of Nokia. The smartphone strategy implemented by the CEO of Nokia, Stephen Elop is a manifestation of strategic thinking. This strategy change was necessary for the organization since it was facing a decline in its market share caused by the fierce competition in the smartphone segment. Nokia experienced profound changes after initiating the smartphone strategy and has marked the end of an era. Moreover, the CEO of Nokia had correctly found that the present battle in the smartphone segment was not about the devices but the ecosystem. In this context, the CEO of Nokia had shown strategic thinking and had foreseen the future. Thus, the company ended up merging with Microsoft as both of them has positioned themselves to construct a competitive and viable mobile ecosystem.