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breast cancer essay By Sasha Horn, 11/6/11. Breast cancer is the second leading cause of los angeles cancer death among women in the United States. In 2011 alone, there have already been 39,520 deaths from breast cancer. Big foundations like Susan G. Komen for the Cure, small college clubs like Bryant Universities CAC, and individuals like Julie Grimm have been making a difference in university of michigan markley hall breast cancer awareness. Breast cancer is no longer a taboo subject and receives a lot of money for research. Breast cancer awareness has significantly increased in the last twenty years because of great connectors. The Susan G. Komen for the Cure has been a huge success in breast cancer awareness. Nancy Brinker, sister of Susan G. Komen and founder of the boston los angeles, foundation has been a powerful connector. Nancy Brinker is a hardworking person, working up to stanford dept dartmouth 20 hours a day. She learns from other people like her husband, experts, and her advisory teams. Nancy Brinker inspires by example, transferring her motivation, and showing results.

She also has strong marketing skills. Nancy Brinker says, “People must relate to you personally”, so she shared the story of her sister’s battle with cancer. Gsu Pinkberry. She is texas tech basketball, good at boston university gsu pinkberry “tinkering” and believes that people learn from failure, as well as success. This is the same idea Sesame Street used in The Tipping Point to make their shows better. Nancy Brinker spreads the word about breast cancer to younger people by being tech-savvy and posting on social networks. Through all of markley these strategies, her pink ribbon campaign has gotten the society over the fear of saying the word “breast”. Her international, million-dollar organization raised 1.5 billion dollars in boston university los angeles breast cancer research, and more than 120 affiliates in the US. College clubs have also made a difference in raising breast cancer awareness. Bryant University in Providence, Rhode Island is part of Colleges Against Cancer. They have a Breast Cancer Awareness week on their campus and in their town.

There are many events that happen during breast cancer awareness week. One event that takes place during breast cancer awareness week is cookie decorating with pink frosting. Another is a bra-decorating contest, using the “sticky” slogan of “Save 2 nd Base”. There is a raffle and history a walk for breast cancer called Making Strides organized by the Center for Student Involvement. Students from a local Hair Salon Academy donated pink hair extensions and they have a “Wear Pink Wednesday”. This connects to The Tipping Point and boston university gsu pinkberry Georgia Sadler’s idea of using a beauty salon as a messenger because stylists are great connectors. As in The Tipping Point , Bryant University concentrated their resources on a few key areas. During the of georgia alumni, Providence Breast Cancer Awareness week, students from Bryant University raised $518,795.19 towards breast cancer research. Julie Grimm is a local connector for breast cancer awareness, from boston gsu pinkberry Golden, Colorado. She has recently created a planner called Ready For Recovery.

Julie, a breast cancer survivor said, “I had no choice but to create some type of order out of the chaos so I began designing a system for university rate myself to track the endless information, appointments, and treatment options that came my way.” Julie also shares her personal story about los angeles having breast cancer to stanford university dartmouth increase about breast cancer awareness. Boston University Los Angeles. She organizes benefit events by texas tech basketball staff, connecting all of her different worlds. She connects families through Bingo Nights. Boston Los Angeles. She connects with patients by hosting fashion shows and photo shoots. Events connecting friends and acquaintances include sporting events like snowshoeing, skiing, runs/walks, and horse shows.

For medical groups and support groups, her website is a good way to university notable alumni help spread awareness. Julie Grimm can be compared to Lois Weisberg from The Tipping Point because they both connect their separate worlds to get messages out. Julie now has accounts with hospitals, gift shops, and boston university gsu pinkberry los angeles individuals. Admissions. She has raised thousands of dollars and has reached a few thousand people through her events and website. Boston Los Angeles. All of cornell university acceptance these organizations have used techniques that can be found in The Tipping Point.

Nancy Brinker from the big foundation Susan G. Boston University Gsu Pinkberry. Komen for the Cure, used tinkering to make her organization more effective. Small college clubs like Colleges Against Cancer at cornell university acceptance Bryant University, concentrated their resources on a few key areas and good messengers to make Breast Cancer Awareness week more successful. Julie Grimm connects her many worlds to spread the word about breast cancer. All of these people used sticky slogans and boston university los angeles creative marketing techniques. All of these people are great connectors. Shinn, Lora. #8220;From the Corner Office: Nancy Brinker.#8221; Succes Magazine . Success Magazine, 2011. Web.

6 Nov 2011. www.successmagazine.com. Grimm, Julie. #8220;The Founder.#8221; Ready for Recovery . Ready for of michigan hall Recovery, 2011. Web. 6 Nov 2011. https://cancerplanners.com. University. Choinski, Rachel. #8220;The Archway.#8221; Bryant Archway . Bryant Archway, 2011. Web. 6 Nov 2011. www.bryantarchway.com. Share This Story, Choose Your Platform!

Watch Video: Doctor Recommended Cancer Planners. Managing Your Medical Records: Conquering Piles of hall Paper with Cancer. Gifts for Cancer Patients Traveling During or For Cancer Treatments. Gsu Pinkberry Los Angeles. Ready for Recovery#8217;s Guide to Traveling with Cancer. If you keep thoughts about life during, after, or alongside cancer, and texas tech basketball staff you believe in the power of sharing those thoughts with others, Ready for gsu pinkberry los angeles Recover is looking for you!

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How to boston university, create a business plan in less than a day. For the appalachian state university admissions video past 20 years I have conducted paid public and private seminar/workshops on “How to Create Business Plans in Less than a Day” I’m now developing a way to gsu pinkberry, make the Accelerated Planning Technique (APT) available for you to learn free of appalachian, charge. Business Plan Layout and Business Plan Structure. Avoid this time wasting and frustrating mistake. Please remove the confusion. When it comes to deciding on business plan layout or business plan structure, I estimate that around 80% fall into a frustrating and misleading trap. The consequences of this can be disastrous. Let me explain: More. How to Write a Business Plan (Part 2) In Part 2 (this article), I will provide you with information on how to design your business plan using the “What needs fixing” approach.

To explain how this works, let’s look at a couple of simple diagrams. If the university gsu pinkberry question is How to Write a Business Plan? Then my answer is very simple. If your mindset is about how to stanford dept dartmouth, write a business plan, then it likely you will suffer a double whammy – one, writer block and two, the fundamental error of trying to describe something that you don’t understand. So what’s the solution? My recommendation is university, that you think in via stanford download terms of gsu pinkberry los angeles, “ DESIGNING ” your business plan. Let me explain this in common sense terms that we all understand. If you were going to build a new house, you would never consider writing the stanford university history dept house plan – you or your architect would design the plan.

The term design implies a visual factor. When you can see and understand the big picture, detailing is simpler. If it’s a house or a business or whatever, the common sense rule is gsu pinkberry, that if you can’t picture in clearly in your mind – beware! Making decisions and taking action when you don’t understand, is a common cause of stanford university history dept dartmouth, business failure. If you have designed something well, then the process of turning and idea or desire into reality has a reasonable chance of success. If the solution design is poor (or missing), then failure is a strong possibility. A better question is “How to Design a Business Plan “. In my experience there are three options or approaches:

The “What needs fixing” approach The “Vision driven” method The “What do we tell the investors” method. Many entrepreneurs get off to a bad start by los angeles, starting with the “ what do we tell the investors ” (or “what do we tell the bank”) option, because they desperately need the money. Typically this type of Business Plan will contain sales and profitability numbers that are not substantiated. Most investors and lenders are not stupid. They know how to read between the lines and pick up what you are not saying. Basketball Staff? If your plan has no or low credibility, it is quickly dismissed. My suggestion is that you get clear in your own head how your business can succeed before you to university los angeles, try and influence investors or lenders (or family and friends). There are two parts to this: Part One: Use the “What needs fixing” approach or the “Vision driven” method to design and texas university, detail a ‘How-We-Will-Succeed’ style Business Action Plan.

This is sometimes referred to as a Strategic Business Plan. Part Two: Practice the skills that will enable you to: Effectively communicate what it is the you seek to a achieve – and boston, why it’s important Effectively describe how to intend to university alumni, achieve this success Honestly describe the range of financial performance figures that your plan is based on Persuasively describe the boston business case that you asking investors or lenders to university of georgia, get involved with. In follow up articles, I will go over the how-to steps for Part One and Part Two described above. The Business Plan Guy. Business Plan: The Big Difference Between Strategy and Tactics. Grasp this and you will be in the top 20% of boston university gsu pinkberry los angeles, business managers. Can you identify with this situation?

If I was to ask you to tell me what a “ tactic ” is, you would properly respond with a reply that mentioned actions or activities. In other words, what you have to do to get a result And I’d he happy with that. Next if I asked you to tell me what “ strategy ” is, there may be a silent pause. When you did start speaking, it’s likely that your confidence level will have dropped and your reply will contain words like “how to” and again some action words. The point I am trying to make is university basketball staff, that it is university, likely that there is not a big difference in the meaning you give to the world “ Strategy ” and “ Tactics “. So let me see if I can rectify this – and give you the markley hall potential for greater success in boston every important result getting opportunity. Meaning of the words.

Let me start by via stanford midi download, giving you one of my favourite and boston university gsu pinkberry los angeles, most practical definitions of strategy. “Strategy is the simple fundamental logic of how you intend to achieve a predefined result” Good strategy is frequently expressed by university dartmouth, describing what you are going to put in place to achieve a certain result. So strategy is usually about the complete big or bigger picture solution. And “tactics”. University Gsu Pinkberry? Tactics are the actions that will be needed to university dartmouth, fulfil the boston university gsu pinkberry strategy. Now here’s the payoff for you.

Nine time out of stanford university history, ten, strategy can be explained in boston university los angeles just a few simple sentences. Sentences that are constructed with simple easy-to-understand language. So we are talking one page or less of writing. State University Admissions Video? Just imagine if politicians did this all of the time. What this means for you is: (a) you can get your head around it – it’s not complex (b) You can use everyday common sense. You can quickly ask yourself, “Will this strategy or solution package, likely give me or us the results we are seeking?” Just think about how many poor business decisions you or your colleagues have made because you or they used tactics rather than strategy as your prime decision making tool.

Let me leave you with this. “Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat” Sun Tzu. The Business Plan Guy. Business Plan – Your Recession Strategy (Control) The global recession is having an university, impact on university of georgia notable alumni most businesses and university gsu pinkberry los angeles, non-profit organisations. When I use the word impact, I’m not necessarily meaning negative impact. However for many, the effect is negative, for some it’s profoundly negative. The purpose of stanford university history dept dartmouth, this article can be described in university gsu pinkberry one word. The word is university, CONTROL . It’s about putting you in control, or expanding your scope of control. Straight away, I know I will have triggered scepticism in many of my readers.

So if you are sceptical, that’s fine. But please try and have a slightly open mind for just three minutes. Whether the university gsu pinkberry los angeles current economic climate is impacting you positively or negatively, being in history control has got to be a desirable situation. So how can this be done? In your business or organisation you have customers, clients and prospects. Boston Los Angeles? If you’re a non-profit, perhaps you call them members and prospective members. Acceptance Rate 2012? For this article let’s refer to them all as customers. If you are now getting less (or more) business, the most likely reason is because your perceived value proposition has changed. Is your business suffering – mildly or significantly?

Let’s look at the getting less business situation and explore ways to increase or improve your levels of improvement control . Step 1. Could you carry out university gsu pinkberry los angeles a survey or some simple market research? Is this something within your control ? The purpose here will to find out what’s going on in your market place. It could be that some people in your marketplace have changed their requirements or their perception on what is and what is midi, not good value for money. Maybe in their minds, they perceive your product or service in its present form something they can do with less of. Perhaps your customers are favouring a competitive product or service. What about relationships? Are your customers now placing more importance how they are treated by the people they do business with? Step 2. When you have gathered some up-to-date information on your market, here is the next step that you can control . Make a list of the options that you could consider taking. And do remember, not making any changes is university gsu pinkberry los angeles, always an option.

It may not be a smart one, but it is an option. Your options list might include repositioning your business in cornell acceptance rate 2012 terms of boston university los angeles, what sector or sectors of the admissions video marketplace you wish to serve. Also on your option list could be cutting out or making value changes to products or services. As well as considering the tangible factors of boston los angeles, your product or service offering, also consider the intangibles. For example, could doubling or tripling the number of university rate, smiles and thank-yous that you deliver be an option? Step 3. Now that you have a list of boston los angeles, potential business strategy options, is tech university basketball staff, it in your control to deliver a yes or no decision on each? If making decisions of boston gsu pinkberry los angeles, this type are not within your control , could you propose to your boss, steps one and two above, and university, then request a yes or no decision?

What about boston, if this recession is having a positive impact on cornell rate your business or organisation? If the current economic situation is gsu pinkberry los angeles, bringing you more or better business, you also need a recession strategy. In this situation, you need answers to the following two question: What research do we need to history dartmouth, carry out to fully understand why we are being perceived as a superior value proposition? What changes should we be considering to university los angeles, make our improved business situation sustainable? Whatever your current situation, a recession strategy is something you do have control over. You can ask questions and note the appalachian state video answers.

You can list options – including the no changes option. You can make decisions or request your boss to boston university gsu pinkberry los angeles, make decisions. The Business Plan Guy. Business Plan: The Executive Summary. Now, or in the near future do you need to secure serious business funding? This may be from a bank, from beati investors or maybe from boston a well-heeled potential shareholder. If the answer is yes then please read on. I’m making the assumption that you have a Strategic Business Plan or an Internal Business Plan. In other words, you are clear on the purpose and direction of the of michigan markley business. And you have a system of action plans or a roadmap to boston university los angeles, get you from where you are now, to university notable alumni, where you want to be.

If you don’t have a good workable plan of this type, then this should be your first priority. Elsewhere in this blog are articles on how to do this. If you are short of time, the boston university los angeles simple 100 day plan might be an dartmouth, attractive option. To persuade someone to boston university los angeles, invest or lend you money, you should prepare a document that investors call “An Information Memorandum”. This is typically a 10 – to 30 page document that provides information on state video what the business is boston university gsu pinkberry los angeles, all about, the amount of money you are seeking and the risk/reward information needed for an investment or loan decision. Most Information Memorandum documents are never fully read. Many are instantly dismissed. The reason for this is because the Executive Summary did not ‘hook’ the reader.

Financially successful people are usually busy people. They like business proposition to be presented to them in via stanford midi download a clear and los angeles, concise way. If you can prepare an of michigan hall, executive summary that instantly grabs an investors attention in the right way, you are well on your way to success. It was my intention to boston, provide you with a series of tips to help you achieve this. But here’s a much better way. Frank Peters is a very experienced angle investor in Southern California. As well as his own personal angel investment experience, he gained a wealth of experience as Chairman of the much admired Tech Coast Angels http://www.techcoastangels.com/

On his website, Frank has published what he calls his irreverent Guidelines for Executive Summaries. University Acceptance 2012? http://www.thefrankpetersshow.com/attachments/ES.pdf. This is a gem – straight from the gsu pinkberry horse’s mouth. Appalachian University Admissions? Follow this and boston university gsu pinkberry los angeles, you will be far ahead in the race. The Business Plan Guy. Business Planning: The 100 day plan for 2009 (Part 3) Let’s start with a quick refresher. The purpose of your 100 day plan is to have a simple and speedy way to via stanford download, reorganize or refocus your business or organisation. In Part 1 of these articles, you learned how to start the process of getting clear organized thinking by creating a brief Vision document. This document answers the number one strategic question: “What would my/our business or operation be like if it was *functioning* effectively. In Part 2, we started a process of smart solution simplification.

As mentioned, for university gsu pinkberry your 100 day plan to stanford dept, be effective, it must be simple enough for all concerned to fully understand. To begin this, you were asked to identify just two or three priorities from all of the vision goals that you identified. Next, you were asked to university gsu pinkberry los angeles, name or describe the “Solutions” or “Processes” that would be needed to midi download, achieve the vision goals you have named. At this point, let me stress it is not necessary that you know how to do the needed action steps. So Step 1 and Step 2 are very *WHAT* focused. Not how focused. Finally, it’s now time to boston university gsu pinkberry los angeles, handle the “how-to” action steps for cornell university rate 2012 your 100 day plan. Because doing the university gsu pinkberry los angeles action steps is a step that trips up many, let me explain the beati midi download logic that I suggest you follow.

I’m going to suggest that 90% of all of the action plans that you will need to create, come into just two categories: You know how to do what’s needed You don’t know the how-to action steps. The other 10% is likely to be: “I think I know some of the action steps, but lack some skills or knowledge for boston university gsu pinkberry taking effective action. University Video? In other words, it’s a combination of the two categories mentioned above. So here is boston university gsu pinkberry, how the action plan system works. Select one of the “Solution” requirements you identified in Part 2. Make a decision as to whether you are, or are not, confident on the required how-to action and implementation steps. If you do understand what need to be done, do this:Make a numbered list of the required action steps. Beside each action steps, note the of michigan hall name of the person who will perform the task and the desired or required completion date.

If you *do not* know how to achieve the los angeles selected goal, do this:Make a list of the steps that you (or a team member) will take to: (a) Learn how to perform the needed action steps – or. (b) Delegate or outsource this requirement – or. (c) Seek help from friends or business associates – or. (d) Investigate the feasibility of this goalAgain, for the selected action option, note the name of the university history dept dartmouth person who will perform the task and boston university, the desired or required completion or decision date. As you can see, this procedure puts you and history dartmouth, keeps in control. If you understand the situation, it’s simple and straightforward. If it’s a requirement that’s beyond your knowledge or skill, this method gets you into “plan the next part of the plan” mode. If you have any questions or suggestions for other planning related articles, I can be contacted at Andrew(at)apt.co.nz. The Business Plan Guy. Business Planning: The 100 day plan for boston university gsu pinkberry los angeles 2009 (Part 2) In Part 1 of this article, I covered the first part of your 100 day business plan.

The focus was on functional vision. In other words, it was about you getting clear on tech university basketball staff what your business would look like and be like if it were functioning effectively. The next logical step in your 100 day plan is to be able to boston gsu pinkberry, answer the appalachian state question: “how will I (or we) make this happen? In this post I will show you a simple way to design the “how-to” section of your 100 day plan. University? So this is about strategy, or to be precise strategy design.

The first strategy tool I need to show you is the art of simplification. I believe that simplification is the ultimate form of stanford dartmouth, sophistication. Remember, this is a 100 day business action plan. Simplicity is essential. If it’s going to boston los angeles, work, it has to be simple for university acceptance you (or your team) to understand and do. So here is what you need to do. In Part 1 of this article, you prepared a one or two page document that: (a) identified the gsu pinkberry important key functions that are the beati midi basis of how you operate or do business. Los Angeles? Marketing and financial management were mentioned as potential examples. (b) described what it would look like or be like if these functions were working effectively. Your first step in the making it happen process, is about setting some priorities. You can’t do it all at once.

If you spread yourself too thinly, you will surely fail. Carefully read through your one or two page vision document (from Part 1). Then select just two or three vision goal that you believe would move your business forward. Only you will know what these should be, but let me repeat a couple of examples vision goals I gave you in Part 1: Example 1: “We have a great understanding of cornell rate, what our customers want in terms of value for boston gsu pinkberry los angeles money.” Example 2: “We are able to relate well to our clients and describe the benefits or our services in state university admissions video ways that motivates them to buy.” Again, let me remind you to keep it simple and just go for two or three functional improvement goals. In you next 100 day plan you can select another two or three for the making it happen process.

Take a fresh sheet of paper. Boston Los Angeles? At the top, give your page the texas tech university basketball title: “100 Day Plan – Making It Happen Solutions” Next list your two or three selected vision goals. Start with the words “Our selected focus goals for this 100 day plan are:” (then list your selected items.) Your next task is a simple one. All that is required is that you name or identify the solutions you will need to address each chosen goal. So let me show you by university los angeles, example. Here is what your page might look like: 100 Day Plan – Making It Happen Solutions. Our two selected functional improvement goals are:

1. We have a great understanding of beati quorum midi download, what our customers want in terms of los angeles, value for money. 2: We are able to texas, relate well to our clients and university gsu pinkberry, describe the benefits or our services in. ways that motivates them to buy. For goal number one, we will implement a “Customer Survey Process”. The purpose of this survey will be to stanford history dept, better understand our customer’s perceptions. on value for money as they see it. For goal number two, we will implement a “Client Relationship Plan” The purpose of this plan is to: (a) Establish ways that we can better get to boston university gsu pinkberry, know and relate to texas tech, the 20% of customers. that provide the bulk of boston los angeles, our income. (b) Engage a professional copywriter to acceptance rate 2012, translate our products technical features into.

simpler customer benefit language that is more likely to stimulate sales. As you can see, all this one page document needs to do is: (a) List the improvement goals that you have selected to work on. (b) Name (or describe) the university process or processes or solutions that you believe will be needed to bring about the improvements required. As well as naming the solution, it is a good idea to write a brief “purpose” statement for each solution process. This starts to clarify your improvement intentions. If you have trouble naming the solution required for a particular goal, all you need to do is write the appalachian state admissions goal or a shortened version of boston gsu pinkberry, it and add the words “Solution Process”. So for university acceptance rate 2012 example goal 1 “We have a great understanding of what our customers want in terms of value for money” – you could call this: “The understanding of what of what our customers want in boston los angeles terms of value for money solution plan.” In other words, just add the words “solution plan” to cornell university acceptance 2012, the goal. Now this may seem a gross simplification to you, but I promise it will still work. What about the action steps? In Part 3 of this article, I will, show you how to translate any solution plan name into boston university simple action steps that you can do.

The Business Plan Guy. Business Planning: The 100 day plan for 2009. Over the history dept dartmouth past couple of gsu pinkberry, years, the cornell rate 2012 100 day plan has become my most requested service. University Gsu Pinkberry Los Angeles? It’s a great tool to quickly instigate a business transformation process. And, in these current economic choppy waters, it’s a great way to cornell rate 2012, quickly refocus or reinvent a business that is no longer viable in its current state. So in response to several emails, here is a “do-it-yourself’ version. This 100 day plan is suitable for: Commercial business operations Professional service providers Non-profit organisations. The first two steps are vision focused. To be able to move forward, you need to get clear on what your business or organisation would need to “be like” to survive and thrive in this new economy.

Step one: Make a short list of the major “functions” or processes that are the basis on how you operate or do business. University Los Angeles? Typically, these might be marketing, service delivery, human resources (or team), financial management and university hall, administration etc. Keep it as simple as possible by boston university, focusing on just the major functions . Look to texas tech university basketball, identify the three to boston university, seven functions that are the fundamentals or workhorse of your business or operation. Step 2: Get a clean sheet of paper. Select the acceptance rate first function from your list. Then write a paragraph or two that describes what it would look like and be like if this part of your business was operating very effectively ? in the current economic climate. Very-very important. This is a “ WHAT ” exercise, not a “ HOW-TO ” exercise. Boston University Gsu Pinkberry Los Angeles? Do * not * write down any ‘how-to’ methods or solutions. Keep your descriptions result, outcome or performance related. Keep in mind, you are creating a “Vision”.

A business operation vision. For example, for texas basketball your Marketing Function, you may say something like: “We have a great understanding of boston university gsu pinkberry los angeles, what our customers want in via stanford midi terms of university gsu pinkberry, value for money.” Or you might say: “We are able to relate well to our clients and describe the quorum via stanford midi download benefits or our services in ways that motivates them to buy.” At this stage, it is not necessary that you know how to do this. The how-to solutions will be worked on university gsu pinkberry los angeles later.

Your job at this stage is to understand what excellent operational competency would look like for your particular business type. Repeat this procedure for each of the major functions you listed in Step 1. If possible, see if you can keep this to hall, a one page Vision Document. Two pages would be the maximum. On completion of these two steps, you should be able to answer the “Number One” strategic question: “How would I/we know if our business was operating successfully?”

In part 2 of this blog post, I will show you a simple way to university, manage all of the “How-to” solutions.

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10 Things the boston los angeles, Bank Will Ask When You Need a Business Loan. University Of Michigan Markley. That bank loan you want for your company? Well, the bank is university gsu pinkberry los angeles, going to want a lot before they give it to you. Do you find this daunting? Me too. I was really disappointed when I needed my company’s first commercial bank loan to finance receivables of more than $1 million—from well-known distributors no less—and we ended up having to university sign a lien on our family home to gsu pinkberry get the loan.

We said, “Wait, we’re a corporation, why do we need personal guarantees?” They said, “If you don’t believe in your business, then we don’t either.” We said “Wait, these are good receivables, you already checked the beati quorum midi, credit ratings of these distributors, why aren’t they enough?” They said, “If you don’t believe#8230;(see above).#8221; And at that point I realized the truth in boston gsu pinkberry los angeles, the old cynical joke that says banks will lend you money only if you don’t need it. One of the first things overly-optimistic entrepreneurs discover as they look for university admissions video, funding is that banks don’t fund business plans. In their defense, it would be against boston university los angeles, banking law if they did. Banks are dealing with depositors’ money. Would you want your bank to invest your checking account balance in markley hall, a startup? I wouldn’t. And neither would the U.S. banking regulators. Boston. Listen to Peter and Jonathan discuss this article in state video, our first episode of university gsu pinkberry The Bcast: So here’s what to expect a bank to ask for texas tech basketball staff, when you apply for a commercial loan for gsu pinkberry, your business. Via Stanford Midi. There will be occasional exceptions to gsu pinkberry every rule, of course, but here’s the general rule: As I explained above, banks do lend money to university startups.

One exception to the rule is that the federal Small Business Administration (SBA) has programs that guarantee some portion of boston university gsu pinkberry startup costs for new businesses so banks can lend them money with the government, reducing the banks’ risk. Stanford Dept Dartmouth. So your business has to boston los angeles have hard assets it can pledge to back up a business loan. Banks look very carefully at these assets to make sure they reduce the stanford university history dept dartmouth, risk. For example, when you pledge Accounts Receivable to support a commercial loan, the bank will check the major receivables accounts to make sure those companies are solvent; and they will accept only a portion, often 50 or sometimes 75%, of receivables to back a loan. When you get an boston gsu pinkberry los angeles inventory loan, the basketball staff, bank will accept only a percentage of the inventory and they will kick a lot of tires first, to make sure it isn’t old and obsolete inventory. The need for collateral also means that most small business owners have to pledge personal assets, usually house equity, to get a business loan. There are exceptions, but the vast majority of commercial loan applications require a business plan document. Nowadays it can be short—perhaps even a lean business plan—but banks still want that standard summary of company, product, market, team, and financials.

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And yes, as I implied in the introduction to this article, that’s leading to the personal guarantee. Expect to sign a personal guarantee as part of the loan process. University Dept. Since it’s all about reducing the risks, banks will often ask newer businesses that depend on the key founders to university los angeles take out insurance against appalachian admissions video, the deaths of one or more of the founders. And the fine print can direct the payout on boston university gsu pinkberry los angeles, death to go to of georgia notable the bank first, to pay off the loan. I think this is to prevent multiple sets of books—which I think would be fraud, by the way—but banks want to see the corporate tax returns. Most commercial loan include what we call loan covenants, in which the company agrees to keep some key ratios—quick ratio, current ratio, debt to equity, for example—within certain defined limits.

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Introduce Easy-to-Read Opinion Pieces. Most of university my third graders have read a wide variety of genres by university video, this point in third grade, but when asked if they had ever read the opinion genre, they answered with a resounding, No! I pointed out to them that they actually read opinion articles nearly every week in university, our Scholastic News magazine. At that point, I let them dive into university the archives of university los angeles old articles online and notable alumni they were quickly able to gsu pinkberry los angeles find opinion pieces in state admissions, several of the issues we had read this year. Students also used the debate section of the online issues. On the board we listed some of the articles students found in Scholastic News that contained opinions: Many Scholastic news articles are perfect to use because they are short, and for the most part have a structure that is similar to how I want my students to write. The articles often include: Both sides of the argument Clearly stated opinions Reasons for holding that opinion Examples to support the reasons Conclusions that are restated with enthusiasm.

In the image below, you can see below how easy it was for my students to gsu pinkberry find the opinions, supporting reasons and examples in the Debate It feature we read together on whether the U.S. Mint should stop making pennies. Once students read the university staff article about pennies, they were ready to form an opinion. Gsu Pinkberry. After discussing the pros and notable cons with partners, the university gsu pinkberry class took sides. With students divided into two groups, they took part in texas university, a spirited Visible Thinking debate called Tug of boston university gsu pinkberry los angeles War. After hearing many of their classmates voice their reasoning for appalachian admissions video, keeping or retiring the penny, the students were ready to get started putting their thoughts on paper.

At this time, I introduced our OREO graphic writing organizer. Using the name of boston gsu pinkberry los angeles a popular cookie is a mnemonic device that helps my students remember the structural order their paragraphs need to take: O pinion, R eason, E xample, O pinion. In our class, we say our writing is double-stuffed , because two reasons and two examples are expected instead of one. Because this was our first foray into example writing, we worked through the organizer together. My students did pretty well with the initial organizer and we used it again to plan out opinion pieces on whether sledding should be banned in city parks.

Once students had planned out two different opinions, they selected one to turn into beati quorum via stanford midi a full paragraph in their writer's notebooks. The organizers made putting their thoughts into a clear paragraph with supporting reasons and examples very easy for most students. With each practice we did, my students got stronger and I introduced different organizers to help them and to keep interest high. Giving each student one sandwich cookie to munch on while they worked on these organizers helped keep them excited about the whole process. After we worked our way through several of the Scholastic News opinion pieces, my third graders also thought of issues pertinent to their own lives and school experiences they wanted to write about, including: Should birthday treats and bagel sales be banned at school? Should all peanut products be banned? Should we be allowed to boston university gsu pinkberry los angeles download our own apps on the iPads the school gave us?

As we continued to university hall practice, different organizers were introduced. Those are shown below. Boston University Gsu Pinkberry. Simply click on each image to download and print your own copy. The organizer below is my favorite to use once the students are more familiar with the structure of opinion paragraphs. It establishes the structure, but also helps students remember to use opinion-based sentence starters along with transition words. Below is a simple organizer some of my students can also choose to use. Scholastic offers many different resources for tech, helping your students become better with their opinion writing, or for younger writers, understanding the difference between fact and opinion. Click on the images below to download and print for free.

There are many more sheets like these in Scholastic Printables. A couple weeks into university gsu pinkberry los angeles our persuasive writing unit and I have already seen a lot of progress from our very first efforts. We may not have mastered this writing yet, but we are definitely on appalachian admissions our way and that mountain doesn't seem quite so high anymore. I hope you find a few of these tips and my graphic organizers helpful! I'd love to university los angeles hear your tips for elementary writing in quorum via stanford download, the comment section below. I'd love to university gsu pinkberry connect with you on Twitter and Pinterest! I love using the graphic organizers in cornell rate 2012, my Grade 3 Writing Lessons to Meet the gsu pinkberry Common Core.

Other teachers in university, my building use the resources for their grade level as well. They make them for grades 1-6. Our state standards spell it out pretty clearly. My third graders need to be able to write opinion pieces on topics or texts that state an opinion within a framework of an organizational structure that provides reasons that support the opinion and provides a concluding statement. Oh, and they better use transitional words and phrases throughout. These would be the same 8-year-olds who still can't figure out university gsu pinkberry los angeles it's not a good idea to put your boots on before your snow pants. With all this in mind, meeting those standards seemed like a huge mountain to texas tech university basketball climb when I was planning out my persuasive writing unit a few weeks ago. I have students who still haven't mastered capitalization and punctuation, so I knew I would have to boston los angeles break down the mechanics of writing an opinion statement into stanford dept a step-by-step process for them.

This week I am happy to share with you a few tips along with the graphic organizers I created to help get my students writing opinion pieces that showed me that my students, while not quite there yet, were fully capable of boston university gsu pinkberry los angeles making it to the top of that mountain. Introduce the Language of Opinion Writing. The very first thing we did during a writing mini-lesson was go over state university admissions video the language of opinion writing and how certain words, like fun and pretty are opinion clues because while they may be true for some people, they are not true for everyone. We also discuss how other words, called transitions, are signals to your reader as to where you are in your writing: the beginning, middle or end. After the initial vocabulary is introduced, I challenged my third graders to look for examples of these types of words in their everyday reading. Over the next couple of days, students used sticky notes to add opinion or transition words they found to university an anchor chart posted on a classroom wall. Next, I took the words and university notable put them into boston university gsu pinkberry a chart that I copied for students to glue into their writer's notebooks. University Of Michigan Hall. You can see our chart below. If you would like to print your own copy, just click on boston university the image. Introduce Easy-to-Read Opinion Pieces.

Most of my third graders have read a wide variety of genres by this point in third grade, but when asked if they had ever read the opinion genre, they answered with a resounding, No! I pointed out to them that they actually read opinion articles nearly every week in of georgia notable alumni, our Scholastic News magazine. At that point, I let them dive into the archives of old articles online and they were quickly able to boston university find opinion pieces in several of the issues we had read this year. Students also used the debate section of the online issues. On the board we listed some of the articles students found in university hall, Scholastic News that contained opinions:

Many Scholastic news articles are perfect to use because they are short, and for the most part have a structure that is similar to los angeles how I want my students to write. The articles often include: Both sides of the argument Clearly stated opinions Reasons for texas tech university, holding that opinion Examples to university los angeles support the reasons Conclusions that are restated with enthusiasm. In the image below, you can see below how easy it was for my students to cornell university rate find the university opinions, supporting reasons and examples in the Debate It feature we read together on whether the U.S. Mint should stop making pennies. Once students read the article about notable alumni pennies, they were ready to gsu pinkberry los angeles form an university rate 2012, opinion. After discussing the pros and cons with partners, the university gsu pinkberry class took sides. State. With students divided into two groups, they took part in a spirited Visible Thinking debate called Tug of War.

After hearing many of their classmates voice their reasoning for keeping or retiring the penny, the university gsu pinkberry students were ready to get started putting their thoughts on paper. At this time, I introduced our OREO graphic writing organizer. Using the name of a popular cookie is a mnemonic device that helps my students remember the structural order their paragraphs need to take: O pinion, R eason, E xample, O pinion. In our class, we say our writing is double-stuffed , because two reasons and two examples are expected instead of one. Because this was our first foray into example writing, we worked through the organizer together. My students did pretty well with the initial organizer and we used it again to plan out opinion pieces on whether sledding should be banned in city parks. Once students had planned out two different opinions, they selected one to turn into a full paragraph in their writer's notebooks. Beati Via Stanford Midi Download. The organizers made putting their thoughts into a clear paragraph with supporting reasons and boston gsu pinkberry los angeles examples very easy for texas tech basketball staff, most students. With each practice we did, my students got stronger and I introduced different organizers to help them and to keep interest high.

Giving each student one sandwich cookie to munch on while they worked on these organizers helped keep them excited about the whole process. After we worked our way through several of the Scholastic News opinion pieces, my third graders also thought of issues pertinent to los angeles their own lives and school experiences they wanted to write about, including: Should birthday treats and bagel sales be banned at tech basketball, school? Should all peanut products be banned? Should we be allowed to download our own apps on gsu pinkberry the iPads the school gave us? As we continued to practice, different organizers were introduced. Those are shown below.

Simply click on appalachian state university admissions each image to download and boston los angeles print your own copy. The organizer below is university, my favorite to los angeles use once the students are more familiar with the structure of opinion paragraphs. It establishes the structure, but also helps students remember to use opinion-based sentence starters along with transition words. Below is a simple organizer some of my students can also choose to markley hall use. Scholastic offers many different resources for helping your students become better with their opinion writing, or for younger writers, understanding the difference between fact and opinion. Click on boston university the images below to download and print for free. Appalachian State Video. There are many more sheets like these in Scholastic Printables. A couple weeks into our persuasive writing unit and I have already seen a lot of progress from our very first efforts. We may not have mastered this writing yet, but we are definitely on our way and that mountain doesn't seem quite so high anymore.

I hope you find a few of these tips and my graphic organizers helpful! I'd love to hear your tips for elementary writing in the comment section below. I'd love to connect with you on Twitter and Pinterest! I love using the boston university gsu pinkberry los angeles graphic organizers in cornell rate 2012, my Grade 3 Writing Lessons to Meet the Common Core. Boston Los Angeles. Other teachers in my building use the resources for their grade level as well. They make them for grades 1-6. Share your ideas about this article. TM ® © 2017 Scholastic Inc.

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