Travel Agent Service – Business Plan

business. gov. au Business Plan Guide Prepared: December 2009 Table of Contents Preparing yourself4 Analyse your business idea4 Analyse yourself4 Business planning5 Regular review5 Distributing & protecting your plan5 Advice and support6 Attending business events6 Taking on a mentor or business coach6 Using the Template7 Template overview8 Title page8 Business Plan Summary9 The Business12 The Market21 The Future24 The Finances25 Supporting documentation31 Glossary32 [pic] This Business Plan Guide and the accompanying Business Plan Template have been developed by business. ov. au, the Australian Government's principal business resource, located within the Department of Innovation, Industry, Science and Research. Copies of the latest version of this guide and the template can be downloaded from www. business. gov. au/businessplan. If you need further information, assistance or referral about a small business issue, please contact the Small Business Support Line on 1800 77 7275. Prepari ng yourself Before you start writing your business plan, you should honestly evaluate yourself and decide if your business idea has a good chance of success. Analysis can help you anticipate any challenges you may face and help you overcome them. Analyse your business idea Is your idea feasible? Before you get started, find out if there is a demand for your products or services. It's also useful to find out who your competitors are and whether the market can sustain your business. Researching all aspects of your business idea will involve  gathering, analysing and evaluating information to help you write your business goals. Some questions to consider are: †¢ What product/service will you provide? †¢ Is your idea viable? †¢ How will you protect your ideas? Is there a market for your product/service? †¢ What skills do you need? †¢ Who are your competitors? †¢ What difference will you bring to the market? †¢ Do you have the financial capacity to start a business? Analyse yourself Are you ready to venture into business? Operating a small business is not just about working for yourself, it's also about hav ing the necessary management skills, industry expertise, technical skills, finance and of course a long-term vision to grow and succeed. At the outset it’s important to consider whether you really understand what's involved and whether you're suited to business and self employment. Examine these questions: †¢ Why are you starting a business? †¢ What are your business and personal goals? †¢ What are your skills? †¢ What income do you need to generate? †¢ What are the advantages and disadvantages of starting your own business? Business planning Once you've conducted research into the feasibility of your new business you're ready to write your business plan. A business plan provides direction, keeps you on track and is usually a requirement when you seek finance. Depending on your business type, your plan could include the following sections: Business Summary: A one-page overview written after your business plan is finalised. ? About your business: This is typically called the management plan or operations plan. It covers details about your business including structure, registrations, location and premises, staff, and products/services. ? About your market: This is the marketing plan. It should outline your marketing analysis of the indust ry you are entering, your customers and your competitors. This section should also cover your key marketing targets and your strategies for delivering on these targets. About your future: This section covers your plans for the future and can include a vision statement, business goals and key business milestones. ? About your finances: The financial plan includes how you'll finance your business, costing and financial projections. Regular review Business planning is an ongoing business activity. As your business changes many of the strategies in your plan will need to evolve to ensure you business is still heading in the right direction. Having your plan up to date can keep you focussed on where you are heading and ensure you are ready when you need it again. Distributing & protecting your plan A business plan is a blueprint for how your business will run and reveals what future direction your business will take. Understandably you will want to be careful who you show your plan to and avoid your competition seeing it. Having an understanding with third parties when distributing a plan could be enough protection for some businesses, however others who have innovative business practices or products or services may wish to go further and sign a confidentiality agreement with each person to protect their innovations. It may also be a good idea to include some words in your plan asking the reader not to disclose the details of your plan. What to do†¦ ? Visit our Confidentiality/Trade secrets page, for more information on confidentiality agreements. ? For detailed information on Intellectual property protection, visit the IP Australia[pic] website. ? Contact your nearest  Business Enterprise Centre[pic]  (BEC) for assistance with your business planning process. Advice and support There are a number of government services available to help you plan, start or grow your business. These services can provide general advice, workshops, seminars and networking events, and can even match you with a mentor or business coach. Attending business events Small business workshops and seminars are run regularly in most areas of Australia, and deal with issues such as planning, financial management, innovation, employing staff and exporting. You may also find it useful to attend networking events to help expand your business. By developing networks, you can keep up-to-date on industry and local information, promote your business through new contacts and learn key skills from other businesses. Taking on a mentor or business coach Participating in mentoring or coaching programs can help you develop a greater understanding of business processes and practices, and equip you with the skills you need to grow and improve your business. What to do†¦ ? Contact your nearest  Business Enterprise Centre[pic]  (BEC) for assistance with your business planning process. ? Check if your local BEC or state business agency hosts a business planning workshop near you. ? Contact an Enterprise Connect[pic] centre for help with planning, growing, skills development, competitiveness and productivity. Search for networking, mentoring or training events and seminars on the business. gov. au Events calendar. ? Contact a business adviser, accountant or solicitor for advice. Using the Template Before you complete the business plan template and start using it, consider the following: 1. Do your research. You will need to make quite a few decisions about your business including structure, mark eting strategies and finances before you can complete the template. By having the right information to hand you also can be more accurate in your forecasts and analysis. 2. Determine who the plan is for. Does it have more than one purpose? Will it be used internally or will third parties be involved? Deciding the purpose of the plan can help you target your answers. If third parties are involved, what are they interested in? Although don’t assume they are just interested in the finance part of your business. They will be looking for the whole package. 3. Do not attempt to fill in the template from start to finish. First decide which sections are relevant for your business and set aside the sections that don’t apply. You can always go back to the other sections later. . Use the [italicised text]. The italicised text is there to help guide you by providing some more detailed questions you may like to answer when preparing your response. Please note: If a question does not apply to your circumstances it can be ignored. 5. Get some help. If you aren’t confident in completing the plan yourself, you can enlist the help of a professional (i. e. Enterprise Connect Centre , Business Enterprise Centre, business adviser, or accountant) to look through your plan and provide you with advice. 6. Actual vs. expected figures. Existing businesses can include actual figures in the plan, but if your business is just starting out and you are using expected figures for turnover and finances you will need to clearly show that these are expected figures or estimates. 7. Write your summary last. Use as few words as possible. You want to get to the point but not overlook important facts. This is also your opportunity to sell yourself. But don’t overdo it. You want prospective banks, investors, partners or wholesalers to be able to quickly read your plan, find it realistic and be motivated by what they read. 8. Review. Review. Review. Your business plan is there to make a good impression. Errors will only detract from your professional image. So ask a number of impartial people to proofread your final plan. Template overview Title page |Question |Explanation |More information | |Insert your business logo |Adding a logo helps give your business a more professional image. If you are just starting out and do not have a | | | |logo, you can remove this section. | |Your name |Enter the business owner's name. Enter multiple names if there are multiple owners. | | |Your title |The titles of the business owner(s) listed above. E. g. Owner/Manager | | |Business name |Enter your business name as registered in your state/territory. If you have not registered your business name, add |Visit our Register your business name page. | | |your proposed business name | | |Main business address |Enter your main business address. This can be your home address if you are a home-based business or your head | | | |office if you have more than one location. | |ABN |Enter your Australian Business Number. If you are a business and have registered for an ABN enter it here. |Visit our Register for an Australian Business Number | | | |(ABN) page. | |ACN |Enter your Australian Company Number. Only fill this in if you are a company. |Visit our Register your company page. | |Prepared |The date you finished preparing your business plan. | |Table of Contents |If you have changed this template in any way, please remember to update the table of contents to reflect the | | | |changes.. | | Business Plan Summary Your business summary should be no longer than a page and should focus on why your business is going to be successful. Your answers should briefly summarise your more detailed answers provided throughout the body of your plan. |Question |Explanation |More information | |The Business | |Business name |Enter your business name as registered in your state/territory. If you have not registered your business name, add |Visit our Register your business name page. | | |your proposed business name. | |Business structure |Is your business a sole trader, partnership, trust or company? |Visit our Which business structure should I choose? | | | |page. | |ABN |Enter your Australian Business Number (ABN). If you are a business and have registered for an ABN enter it here. Visit our Register for an Australian Business Number | | | |(ABN) page. | |ACN |Enter your Australian Company Number (ACN). Only fill this in if you are a company. |Visit our Register your company page. | |Business location |Enter your main business location. Briefly describe the location and space occupied/required. | | |Date established |The date you started trading. Whether it was the date you opened your doors or the date your purchased business | | | |opened its doors. | | |Business owner(s) |List the names of all business owners. | | |Relevant owner experience |Briefly outline your experience and/or years in the industry and any major achievements/awards. |Visit our Am I ready? age. | | |Keep this brief and try to include only your relevant experience and main achievements. You will have an | | | |opportunity to go into more detail under the Management & ownership section. | | |Products/services |What products/services are you selling? What is the anticipated demand for your products/services? These answers | | | |should briefly summarise your answers under the main products/services section. | | |The Market | |Target market |Who are you selling to? Why would they buy your products/services over others? Visit our Researching your market page. | | |This answer should briefly summarise your answers under the main Market section. | | |Marketing strategy |How do you plan to enter the market? How do you intend to attract customers? How and why will this work? |Visit our How do I promote my business? page. | | |This answer should briefly summarise your answers under the main Market section. | |The Future | |Vision statement |The vision statement briefly outlines your future plan for the business. It should state clearly what your overall | | | |goals for the business are. | | |Goals/objectives |What are your short & long term goals? What activities will you undertake to meet them? | | |The Finances | |The finances |Briefly outline how much profit you intend on making in a particular timeframe. How much money will you need |Visit our How do I manage my finances? page. | | |up-front? Where will you obtain these funds? What portion will you be seeking from other sources? How much of your | | | |own money are you contributing towards the business? | | | |Your answers can be quite brief in the summary. They should give the reader a quick idea of your current financial | | | |position. Where you are heading financially and how much you need to get there. You can provide more detail in the | | | |main Finances section. | | The Business |Question |Explanation |More information | |Business details | |Business purpose |What is the main business purpose? What does it sell? | |Business size |Number of employees? Estimated/actual annual turnover? | | |Operating history |What is the business background? How long has the business been operating? What is your progress to date? | | |Registration details | |Business name |Enter your business name as registered in your state/territory. If you have not registered your business name, add |Visit our Register your business name page. | | |your proposed business name | | |Trading name(s) |Enter your registered trading name or names. Your trading name is the name you will use to trade under. It is the |Visit our How do I choose a business name? age. | | |name that appears on your marketing and advertising material. If you have multiple trading names, list them and | | | |explain the purpose of each name. | | |Date registered |The date that appears on your business name registration. | |Location(s) registered |Enter the state(s) you have registered your business name. If your business is located in more than one state, you |Visit our Register your business name page. | | |will need to register your business name in each state. | | |Business structure |Is your business a sole trader, partnership, trust or company? |Visit our Which business structure should I choose? | | |page. | |ABN |If you have registered an Australi an Business Number (ABN), then enter it here. |Visit our Register for an Australian Business Number | | | |(ABN) page. | |ACN |Enter your Australian Company Number (ACN). Fill this in if you are a registered company. |Visit our Register your company page. |GST |If you are registered for Goods and Services Tax (GST), then enter the date you registered with the Tax office. |Visit our Register for Goods & Services Tax (GST) | | | |page. | |Domain names |If you are planning on setting up a website for your business, you may also like to register a domain name to match|Visit our Register your domain name page. | |your registered business name. List any domain names you have registered and plan to use in the business. | | |Licences & permits |List all the licences or permits you have registered. These will vary depending on your type of business and |Visit our Licences & permits page. | | |location. Some examples include a tradesperson certificate, travel agents licence, or kerbside caf e permit. | |Business premises | |Business location |Enter your main business location. Describe the location and space occupied/required. What is the size of the space| | | |you occupy/require? Which city or town? Where in relation to landmarks/main areas? If you have a retail business, | | | |where are you located in relation to other shops? What is the retail traffic like? | | |Buy/lease |If you have purchased a business premises or are currently leasing, briefly outline the arrangements. These can |Visit our Buy or lease a business premises page. | | |include purchase price, length of the lease agreement, rental cost or lease terms. | | |If you are still looking for a lease or property, outline your commercial lease or purchase requirements and any | | | |utilities/facilities required. | | |Organisation chart | |Figure 1: Organisation chart |The organisation chart is a quick way of representing your business structure. If you are still recruiting staff, | | | |you may wish to include a proposed structure and label it appropriately. I. e. you could add ‘Vacant' to the | | | |positions that are currently vacant or you could label the whole chart as a ‘Proposed Organisation Chart'. | |Management & ownership | |Names of owners |List the names of all business owners. | | |Details of management & ownership |As the owner(s), will you be running the business or will a Chief Executive Officer (CEO) be running the business | | | |on your behalf? What will be your involvement? If it is a partnership, briefly outline for each partner their | | | |percentage share, role in the business, the strengths of each partner and whether you have a partnership | | | |agreement/contract in place? | |Experience |What experience do the business owner(s) have? Why should people invest in you? How many years have you owned or | | | |run a business? List any previous businesses owned/managed. List any major achievements/awards. What other relevant| | | |experience do you have? Don’t forget to attach your resume(s) to the back of your plan. | | |Key personnel | |Current staff table |List your current staff in the table provided. Outline each job title, name of the employee in the position, the |Visit our Employing people topic. | |expected staff turnover for the position and each employee's relevant skills or strengths. You may also like to | | | |attach a copy of their resume to the back of your plan. | | |Required staff table |List your required staff in the table provided. These are current vacant positions. Outline each job title, |Visit our Recruitment page. | | |quantity of each type of position, the expected staff turnover for the position, the required skills or strengths | | | |needed and the date you require this position to be filled. | | |Recruitment options |How do you intend on obtaining your required staff? Advertising in the local paper, online advertising, and/or |Visit our Recruitment page. | | |training current staff members? | | |Training programs |Are there any training programs you will be organising in the event you cannot find the required skills? Are these |Visit our Skills development & training page. | | |in-house or external providers? What training will you as the business owner/manager undertake to keep your skills | | | |current? | | |Skill retention strategies |What procedural documentation will you provide to ensure the skills of staff are maintained? Do you have an |Visit our Skills development & training page. | |appropriate allocation of responsibilities? How are responsibilities documented and communicated to staff? What | | | |internal processes will you implement to regularly check that the current skills of staff members are still | | | |appropriate for the business? | |Product/services | |Product/services table |List each product/service your business currently offers. Provide a description and unit price (including GST) | | | |amount for each. | | |Market position |Where do your products/services fit in the market? Are they high-end, competitive or a low cost alternative to the | | | |products/services offered by your competitors? How does this compare to your competitors? | | |Unique selling position |How will your products/services succeed in the market where others may have failed? What gives your | | | |products/services the edge? | |Anticipated demand |What is the anticipated quantity of products/services your customers are likely to purchase? For example, how much | | | |will an individual customer buy in 6 months or 12 months? | | |Pricing strategy |Do you have a particular pricing strategy? Why have you chosen this strategy? Visit our Fair trading laws page for your state fair | | |To help you develop your pricing strategy, you could refer to your customer research, market position, anticipated |trading office contact details. | | |demand and costs/expenses to get an idea. | | | |Whatever strategy you use when setting your price, you will also need to adhere to any relevant fair t rading | | |legislation or codes of conduct. | | |Value to customer |How do your customers value your products/services? Are they a necessity, luxury or something in between? | | |Growth potential |What is the anticipated percentage growth of the product in the future? What will drive this growth? | | |To help you determine this growth potential, you could refer to your region/industry research to get an idea of any| | | |industry/regional growth that could affect your business in a positive way. | | |Innovation | |Research & development (R&D)/ innovation |What R&D activities will you implement to encourage innovation in your business? What financial and/or staff |Visit our How do I make my business more innovative? | |activities |resources will you allocate? |page. | |Intellectual property strategy |How do you plan to protect your innovations? List any current trade marks, patents, designs you have registered. Do|See the IP Australia website[pic] for information on | | |you have confidentiality agreements in place? |protecting your innovations. | |Protecting your innovations can include registering for intellectual property protection, ensuring your staff sign | | | |a confidentiality agreement, and generally ensuring your competition does not find out what you are developing. | | |Insurance | |Workers compensation |Provide details if you have workers compensation insurance? This is mandatory if you have employees. |Visit our People insurance page. | |Public liability insurance |Provide details if you have public liability insurance? This covers any third party death or injury. |Visit our Liability insurance page. | |Professional indemnity |Provide details if you have professional indemnity insurance? This covers any legal action taken out as a result of|Visit our Liability insurance page. | | |your professional advice. | |Product liability |Provide details if you have product liability insurance? This covers any legal action taken out as a result of |Visit our Liability insurance page. | | |injury, damage or death from your product. | | |Business assets |Provide details if you have insured your business assets in the event of a fire, burglary, or damage? This |Visit our Assets & revenue insurance page. | | |insurance covers things like buildings, contents and motor vehicles. | | |Business revenue |Provide details if you have insured your business in the event of business interruption where you cannot trade |Visit our Assets & revenue insurance page. | | |because of a particular event and are unable to make money? | |Risk management | |Risk management table |List the potential risks (in order of likelihood) that could impact your business. |Visit our Risk management page. | | |For each risk, detail the following in the table provided: | | | |A escription of the risk and the potential impact to your business. | | | |The likelihood of this risk happening – either highly unlikely, unlikely, likely, or highly likely. | | | |The level of impact it may have on your business – high, medium or low. | | |Your strategies for minimising/mitigating each potential risk. | | |Legal considerations | |Legal considerations |List t he legislation which will have some impact on the running of your business. For example: consumer law, |Visit our What are the legal requirements? Page. | | |business law, or specific legislation to your industry. | | | |List the legislation in order of the most impact on your business. You should also detail what you will do or have |Visit the Australian Securities & Investments | | |already done to ensure you comply. |Commission Financial services[pic] page. | |For example if you are in the financial services industry and you provide financial advice to your customers, you | | | |should include the Corporations Act 2001 and your AFS licence details (if registered already). You may also like to| | | |include details about your disclosure and general obligations. | |Operations | |Production process |What is the process involved in producing your products/services. This process will vary depending on your | | | |product/service. Here are some examples of questions you may consider. Is there a manufacturing process? Who is | | | |involved in the process? Are there any third parties involved? What is involved in delivering the service to your | | | |customers? | | |Suppliers |Who are your main suppliers? What do they supply to your business? How will you maintain a good relationship with | | | |them? | | |Plant and equipment table |List your current plant and equipment purchases. These can include vehicles, computer equipment, phones and fax | | | |machines. For each item include the equipment name, purchase date, purchase price and running cost. | | | |If you have not purchased all of your equipment yet, you can include a separate table and include an expected | | | |purchase date. | | |Inventory table |List your current inventory items in the table supplied. You can include inventory item name, unit price, quantity | | | |in stock and the total cost (i. e. unit price multiplied by quantity in stock). | | | |If you have a substantial inventory, you may prefer to attach a full inventory list to the back of your business | | | |plan. | |Technology (software) |What technology do you require? For example: website, point of sale software or accounting package? What will be | | | |the main purpose for each? Will they be off-the-shelf or purpose built? What is the estimated cost of each | | | |technology solution? | | |Even though this section focuses on software (as your hardware will be listed above in your plant and equipment | | | |table), for more clarity you may also wish to give a brief description of hardware including servers, specialised | | | |technology and computer equipment required. | |Trading hours |What are your trading hours? What are your expected peak trading times? Which times do you expect to be more | | | |profitab le? How will this change over different seasons? How do your trading hours accommodate these changes? | | |Communication channels |How can your customers get in contact with you? These channels can include: telephone (landline/mobile), post box, | | | |shopfront, email, fax and/or internet blog or social networking website. If you have chosen only a few channels you| | | |may wish to include your strategy behind this. | | |Payment types accepted |What payment types will you accept? Cash, credit, cheque, gift cards, Paypal etc | | |Credit policy |What is your credit policy for customers/suppliers? How long is the credit period? What are your collection | | | |strategies/procedures? What credit does your business receive? What are the terms? | | |Warranties & refunds |If you manufacture certain goods, what are the warranty terms? What is your business refund/exchange policy? |Visit our Warranties & refunds page. | |Quality control |Describe your quality control process. What checks or balances do you have in place to ensure the product or |Visit our Product safety & standards page. | | |service you offer is produced to the same standard of quality? What steps do you take to meet product safety | | | |standards? | |Memberships and affiliations |Is your business a member of any particular industry association or club? Do you have any affiliations with any | | | |other organisation? | | |Sustainability plan | |Environmental/ resource impacts |Describe the impact your business could potentially have on the environment. E. g. particular manufacturing |Visit our Environmental auditing page. | | |process produces carbon emissions. | | | |To help you answer this question, you could consider conducting an environmental audit. | | |Community impact and engagement |How does your environmental impact affect the loca l community? How can you engage the community in minimising your |Visit our Minimising your impact page. | |impact? | | |Risks/constraints |List any risks/constraints to your business resulting from this environmental impact? |Visit our Risk management page. | |Strategies |What strategies will you implement to minimise/mitigate your environmental impact and any risks to your business? |Visit our Environmental auditing page. | | |Will you conduct an environmental audit? Have you introduced an Environmental management system? |Visit our Environmental management systems page. | |Action plan table |List your key sustainability/environmental milestones in the table provided? Detail each sustainability milestone, | | | |the target you are trying to achieve and when you expect to reach each target. For example: Reducing water | | | |consumption by 60% before 2016. | The Market |Question |Explanation |More information | |Market research |What statistical research have you completed to help you analyse your market? Did you use a survey/questionnaire? |Visit our Researching your market page. | | |If so, you may like to attach a copy of your survey/questionnaire to the back of this plan. | |Market targets |Outline your planned sales targets. What quantity of your products/services do you plan to sell in a planned | | | |timeframe? Are they monthly or yearly targets? For example, you may set yourself a goal of selling 1 000 products | | | |in 12 months. | |Environmental/industry analysis |Detail the results of the market research you have performed. Is the area experiencing population growth? Are there|Visit our Market research & statistics topic. | | |long-term employers in the area? Is the region's economy stable? Are there seasonal variations? | | | |What is the size of the market? What recent trends have emerged in the market? What growth potential is available |Visit the Australian Bureau of Statistics National | | |and where do you fit in? How will the market/customers change when you enter the market? |Regional Profile[pic] page. | | |A good place to start when researching your regional profile is the Australian Bureau of Statistics website. The | | | |regional profile information includes economy, population/people, industry and environment/energy statistics. | |Your customers | |Customer demographics |Define who your target customers are and how they behave. You can include age, gender, social status, education and|Download the Social Atlas[pic] and the Social | | |attitudes. |Trends[pic] series from the Australian Bureau of | | | |Statistics website. |Key customers |Identify your key customers. (These can be large consumers of your products or individuals whose satisfaction is | | | |key to the success of your business. ) How will you target your products/service to them? | | |Customer management |How will you maintain a good relationship with your customers? What techniques will you use? How will you keep your|Visit our Customer service page. Visit our Codes of | | |customers coming back? Have you introduced customer service standards? Do you follow any particular code of |Practice page. | | |practice? | | |S. W. O. T. analysis | |S. W. O. T. nalysis table |List each of your businesses strengths, weaknesses, opportunities or threats in the table supplied and then outline| | | |what you will do about each of the weaknesses/threats. | | |Your competitors | |Your competitors |How do you rate against your competitors? How can your business improve on what they offer? | |Competitor details table |List at least 5 competitors in the table. For each competitor enter: | | | |Competitor: Competitor name | | | |Established date: When were they established? | | |Size: Number of staff and/or turnover | | | |Market share (%): Estimated percentage of market share | | | |Value to customers: Unique value to customers. Why they would do business with your competitor? For example: | | | |convenience, quality, price or service? | | | |Strengths: What are your competitor's main strengths? | | | |Weaknesses: What are your competitor's main weaknesses? | |Advertising & sales | |Advertising and promotional strategy table |What strategies do you have for promoting and advertising your products/services in the next 12 months? |Visit our Marketing & advertising page. | | |For each promotion/advertising: What is the promotion/advertising type (e. g. Print media advertising, online | | | |advertising, mail-out, giveaway, media release or event) How do you expect it will improve your business success? | | | |What is the cost of each planned activity? When do you expect to complete each activity? | |Sales and marketing objectives |Who makes up your sales team? What sales techniques will they use? What tools/material will they use to help sell |Visit our Marketing & advertising page. | | |your products/services? What sales goals/targets will they meet? | | |Unique selling position |Why do you have an advantage over your competitors? How will your products/services succeed in the market where | | | |others may have failed? | | |Sales and distribution channels table |For each channel enter: | | | |Channel type: e. . Shopfront, internet, direct mail, export or wholesale | | | |Products/services: List all the products/services sold via this channel | | | |Percentage of sales: What percentage of overall sales do you expect to sell via this channel? | | |Advantages: What advantages are there of using this channel for these products? | | | |Challenges: What challenges do you expect to face using this channel? How will you overcome them? | | The Future |Question |Explanation |More information | |Vision statement |What is your business' vision statement? It should briefly outline your future plan for the business and include | | | |your overall goals. | |Mission statement |What is your business' mission statement I. e. how will you achieve your vision? | | |Goals/objectives |What are your short & long term goals? What activities will you undertake to meet them? | | |Action plan table |What are the business milestones that you need to complete starting from today? When do you expect to complete | | | |them? Who is responsible for delivering this milestone? | | | |Please note: This table does not include sustainability milestones as they are listed in the sustainability section| | | |above. | The Finances |Question |Explanation |More information | |Key objectives and financial review | |Financial objectives |List your key financial objectives. These can be in the form of sales targets or profit targets. You could also | | | |list your main financial management goals such as cost reduction targets. | | |Finance required |How much money up-front do you need? Where will you obtain the funds? What portion will you be seeking from loans, | | | |investors, business partners, friends or relatives, venture capital or government funding? How much of your own | | | |money are you contributing towards the business? | | |Assumptions | |Assumptions |List your financial assumptions. These can include seasonal adjustments, drought, economy or interest rates etc. | |Start-up costs for [YEAR] table |Using the table | | | |The start-up costs table contains a list of suggested costs a typical business may incur in its first year of | | | |operation. When you double click on the table you can edit these items by removing or adding rows and typing in | | | |your own items. Don’t forget to clearly display your start-up year in the heading. Please note: The table assumes | | | |all figures are GST inclusive. | | |Total formulas | | | |When you add your costs, the table will automatically total your items at the bottom of the sheet. If you are | | | |adding or removing rows please double-check your figures to ensure the total formulas have been preserved. | | |Estimating costs | | | |Whether you have already started or intending to start you will need to fill in Actual or Estimated figures against| | | |the items in the table. If using estimated costs, please label them clearly. | | |Attach your own | | | |If you have your own start-up cost sheet or your accountant has already prepared one, please feel free to remove | | | |the table supplied and attach your own. If it is a large sheet, you can always attach it to the back of the plan | | | |and reference it from this section. | | |Balance sheet forecast table |Using this table | | | |The balance sheet forecast table contains a list of suggested assets and liabilities a typical business may have. | | |When you double click on the table you can edit these items by removing or adding rows and typing in your own | | | |items. Don’t forget to edit the financial years if required. Please note: The table assumes all figures are GST | | | |inclusive. | | |Total formulas | | | |When you add your figures, the table will automatically calculate your totals and net assets at the bottom of the | | | |sheet. If you are adding or removing rows please double-check your figures to ensure the calculations have been | | | |preserved. | | | Calculations | | | |Net assets equals | | | | | | | |Total assets minus Total liabilities. | | |Attach your own | | | |If you have your own balance sheet forecast or your accountant has already prepared one, please feel free to remove| | | |the table supplied and attach your own. If it is a large sheet, you can always attach it to the back of the plan | | | |and reference it from this section. | |Profit and loss forecast table |Using this table | | | |The profit and loss forecast table contains a list of suggested profit items and expenses a typical business may | | | |have. When you double click on the table you can edit these items by removing or adding rows and typing in your own| | | |items. Don’t forget to edit the financial years if required. Please note: The table assumes all figure

The Greek Mythology

Greek Mythology is a group of teachings and myths that were originated by the ancient Greeks, when they were trying to understand the origin of things in the sky and on earth. This myth was a big part of the religion of the Greeks. Hesiod offers the theogony, which tells of the dealings with the creation of the world, and the origin of the gods, titans, and giants. Athena, also called Athene, was a goddess of many things like wisdom, and courage. She was born to Zeus and Metis in Mount Olympus. She was fully grown and wearing armor from head to toe. Athena is said to be a pre-Hellenic goddess that was taken by the Greeks. Her story shows that the people were looking for closure over wisdom and war during this time. This myth seeks to explain some countless inventions. She has a major influence on today's culture. For instance, her helmet is featured on the crest of West Point Academy, as well as represented the first branch of the United States Army just for women. Although there are many different stories of how Athena came to be, most known one is that Zeus swallowed Metis and Athena sprang from his head. Because she is the goddess of many things, Athena is featured on many modern crests, was praised by the Greeks in their time, and was supposedly the origin of many great inventions. Although classical Greek culture was during the period of the 4th and 5th centuries, ancient Greek culture and myths are tremendously influential in many aspects like, language, politic, educational system, philosophy, science, the arts, and the gods. For instance, our country is a democracy. Democracy is said to originate from Greece. Not only that, we use the gods and goddesses in our everyday life. Athena's helmet is featured on the West Point Military Academy crest. Her head is represented on the first branch of the United States Army that is for women. Hellenic polytheists worship the Greek gods, olympians, nature divinities, underworld deities, and heroes. Hellenic religion is any systems of beliefs and practices of the ancient Greeks during the Hellenic period and the Roman Empire. Religion was very important to the Greeks because they believed that religion would make their lives better. This Hellenistic world was made after conquest that went from India to Egypt and took about 20 to complete after Alexander the Great's death. (Hellenistic Culture) Athena was born to Zeus and Metis, at Mount Olympus, fully grown and wearing full armor from head to toe. Athena is said to be a pre-Hellenic goddess that was taken from kgjhjv by the Greeks. There are many different versions of how Athena came to be. Most say that Zeus and Metis conceived a baby girl. Before Metis gave birth, Mother Earth told Zeus that a child born to Metis would one day overthrow his throne. He became worried because that is the same thing he did to his own father. Zeus challenged her in a shapeshifting contest; she turned herself into a fly and taking the advice of Gaea and Uranus, Zeus swallowed her up. A few days later, he started to get dreadful headaches and asked his son, Hephaestus, to take an axe and crack his head open.(Temple)Some versions say that Palamon and Hermes helped Zeus give birth. Others regard her to be his daughter, but also as the daughter of Pallas, whom she killed later because he tried to desecrate her chastity. Another that was transplanted to Libya, says that she is the daughter of Poseidon and Tritonis. According to Athena, herodotus became enraged with her father and went to Zeus, who later stepped in as her father. These were regarded more as Hellenistic Myths (â€Å"Athene†) Athena was a goddess of many aspects like wisdom, courage, inspiration, civilization, law and justice, strategic warfare, mathematics, strength, strategy, the arts, crafts, and skill. She was the goddess of arts and crafts because of her spinning and weaving. She was the goddess of war and wisdom because she sprang from Zeus's head and she was a ruthless warrior. She was very strategic and skilled during warfare. She is often portrayed as the companion of heroes is the patron goddess of heroic endeavour. (â€Å"Athene†)Athena was featured in many heroic stories. One being, when she assisted Odysseus in his adventures. Odysseus and Athena were similar. He was the Greek King of Ithaca just as she was a great goddess. They had some of the same qualities. They were both nondiscriminatory, and clever. When it came to helping Odysseus in the Trojan War, she was there. Other gods didn't like that he was helping the Trojans. Most of all, she helped him on his way home, because he ran into many obstacles. He was imprisoned by Calypso then, when he escaped, he went sailing through storms, which later resulted in many shipwrecks. He then found himself in trouble with many other gods like, Poseidon and Polyphemus. Athena did not want to make the other gods angry, so she only offered Odysseus wisdom. When he returned safely to Ithaca, Athena helped him disguise as a beggar.(Temple) A less heroic story of Athena, is when she accidentally killed her friend, Pallas. As a young woman, Athena didn't quite fit in on Mount Olympus. So she went out to find a friend, Pallas. Her new friend was the daughter of Triton, the sea god. The often practiced their combat skills with each other. On time they were doing their session when Pallas took a fatal blow from Athena. Feeling sorrowful, Athena put a statue of Pallas near Zeus's throne Mount Olympus.(Temple) Athena has a major influence on today's culture; her helmet is featured on many things of the United States. One being the West Point Academy crest. Her helmet represents her wisdom, while her sword represents a warrior. The seal of California also features her head. It symbolizes the goddess of wisdom overlooking the scene. (Seal of California) The US Women Army Corps shows her head as their insignia. Athena is said to be the origin of many things that make up Greek culture. She made the statue of Pallas that sits near Zeus's throne. She helped many heros on adventures, like the one with Odysseus. She also has tremendous influence on modern culture. For instance, she is featured on the Seal of California, the U.S. Women's Army Corp, and the West Point crest. Its is clear that Athena is relevant in both ancient times and modern day culture. She is, many times, the symbol of power, wisdom, and valor. This is what makes her so influential in the world.

E-Commerce and E-Business Fundamentals (Business Report on WH SMITHS) Essay

E-Commerce and E-Business Fundamentals (Business Report on WH SMITHS) - Essay Example In addition, the corporations that cater to the requirements of media are more probable to obtain regular coverage as well as minimize the potential for errors in published stories. Moreover, the online press rooms are working as hubs for organizations, presetting the product information, latest news and visual elements to facilitate them better recognize products and services. In the scenario to enhance the online business corporations are now trying redevelop their business strategies. This report presents a detailed analysis of WH Smiths web based business re-development process and expected potential enhancements. Additionally, this report will offer a new and much better online strategy regarding the potential enhancement in the customary online business practice of the WH Smiths. This report will also present suggestions that can enhance the WH Smiths business and offer better competitive edge to the business. Business industry is by no means an exception to internet mania in view of the fact that, with the passage of time, the online business is turning out to be an exhortation. The online business means that people can buy and pay from home and even while sitting in their bedroom via an internet equipped PC or laptop. The universal wave of information technologies (ITs) development and implementation has turned out to be a driving force in approximately every part of human job. In this scenario, the internet that is a main element of this global wave has been transformed into a double-edged weapon offering a lot of opportunities, facilities, tools, and capabilities to individuals and corporations (Salifu, 2008). Liam (2009) stated that growing amount of people who make use of the internet is showing to be a boon intended for businesses that are interested in expanding their reach to the online community. Additionally, the huge number of internet clients shows a huge potential customer b ase that is there

Report assignment Essay Example | Topics and Well Written Essays - 1750 words

Report assignment - Essay Example Finally, some recommendations will be presented towards the end of the report. 2. Can IS Save the Public Services a. Topic Overview The topic of the lecture was quite interesting and catches the attention of listener instantly. Moreover the facts and examples given during the course of presentation were closely connected to the public interest. Generic conclusions were drawn about various aspects of the public Information Systems towards the end of the lecture. The lecture was formatted as a combination of presentation with background audio of the presenter. The topic actually talks about the development of Information systems in public domain and the value they deliver to the public. The lecturer has also pointed out some important methods for decision maker to ensure attainment of perceived value from public Information Systems. b. Level and Amount of Information The topic of the presentation was generic in nature and therefore amount and level of information can be questioned. The re were several aspects of the public information systems that could be discussed but were not covered in the presentation. This gives a feel of incompleteness and deficiency of the information on the given topic. The issue further highlighted the knowledge gape and lack of preparations. Even the lecturer did not clearly mention the scope of his presentation in the beginning. There logical development of the ideas was not of high standard and it seems that topic was beefed up with material from here and there to make a point. The speaker initially talked about the area where information systems are implemented in public sector but the list of these sectors was not comprehensive and only pointed out some major areas. Then speaker straightway jumped to the discussion on how these systems were outsourced and what problems were faced by the commissioning authority and the outsourced company. Here the speaker concluded that the bidding process is not a correct procedure for outsourcing i nformation systems development in public sector. The bidders try to bid at lowest rate to win the bid, later he find it hard to fulfill the Service Level Agreements (SLAs) and the either he quits or public could not get the value out of the system it was conceived with. This was followed by an appropriate example of a private firm EDS who suffered a more than12 billion lose on this account. An interesting comparison was drawn on how much the information system differs depending on the organizational structure of the department commissioning these systems. (Chris, 2010) c. Organization of Information There is enough room for improvement in the organization of information and we can note many inaccuracies in the presentation. On a slide with the title of â€Å"Can we look abroad for help† there was no discussion on external bidders for the development of information systems. Some slide looked a little crowded and packet. It was quite difficult for the audience to read the data at these slides and to focus on what the speaker was talking about. Moreover, reading text was not helpful in getting to the point what the lecturer was trying to deliver. Often reading the text at the slide resulted in mismatch of the point being talked about. d. Presentation Skills Beyond the contents of the lecture, the presentation and delivery of the contents was not professionally elevated. In the opening of the lecture there were few unrecognizable voices and audience could see the first slide of the presentation

Improvements of public Assignment Example | Topics and Well Written Essays - 500 words

Improvements of public - Assignment Example In order to provide a safe environment and to meet the unique needs of the aging population the city had started a project regarded as Age Friendly New York City. Under this project a total of 59 initiatives were made to attain the purpose of building a comfortable and livable city for the older adults. One of the major changes made by the New York City is the adoption of swimming hours for the older population. They have allotted a time slot to the senior citizens and during this time slot only the senior citizens are allowed to swim in the Jefferson pool (PBS NewsHour 1). This improvement is very good for the health and the social life of the senior citizens. Another significant change the New York City has made to its public places is of changing the most populated and famous street called Broadway Boulevard. The aim of making these changes was simply to deal with the traffic related issues that were occurring to the ever growing population of New York City. These changes included the addition of street furniture as well as separate lanes for bikers (Ullman 1). Other changes includes the addition of two separate lanes for moving vehicles and two separate lanes for parking purposes and changes were even made to traffic signals to manage congestion. New York City has even worked for the knowledge and learning of its citizens in order to help them in becoming literate individuals. One of the major moves that were made by New York City was the reopening of a reading room in the Bryant Park. The reading room has been there since the period of 1930s and it was later reopened during the period of 2003 (Bryantpark.org 1). Its initial purpose was to help individuals gain knowledge in order to help them in findings jobs. Various changes have been made to the New York City since its inception and all these changes have been guided by the government’s desire to make New York City a livable area for its citizens. In order to help the older

Intro to c&b (u3ip&db) Essay Example | Topics and Well Written Essays - 500 words

Intro to c&b (u3ip&db) - Essay Example There are certain factors that are imperative to correctly evaluating and choosing the correct evaluation and management code when a patient comes into a medical facility. These include where services are carried out (whether the patient is an inpatient or outpatient), the type of service that is performed (such as a consult or problem-oriented examination), the type of patient history that is taken down, the extent to which the physical examination is carried, and how complex the medical decision-making is (Chiang, 2005). According to Mitchell (2003, pg. 1), there are eight elements. These are, â€Å"location, quality, severity, duration, timing context, modifying factors, and associated signs and symptoms.† The types of visits include initial impatient consults, nursing facility visits, subsequent nursing facility care, domiciliary care, follow-up inpatient consult, home services, and prolonged services (Mitchell, 2003). Chiang, S. (2005). Coding and documentation part 3: Evaluation and management codes. University of Alabama at Birmingham. Retrieved August 6, 2008, from http://74.125.45.104/search?q=cache:koHmR7QEXzUJ:www.obgyn.uab.edu/medicalstudents/obgyn/uasom/documents/CodingPart3E%26M.pdf+%22evaluation+and+management+codes%22&hl=en&ct=clnk&cd=11&gl=us Mitchell, R. (2003). Evaluation and management coding and Medicare Part B. Applied Medical Systems, Inc. Retrieved August 6, 2008, from http://74.125.45.104/search?q=cache:pkVtzGq-Md4J:www.appliedmedicalservices.com/sb_sections/sectionmain_aboutams/newsroom/articles/em_presentation.ppt+%22evaluation+and+management+codes%22+eight+steps&hl=en&ct=clnk&cd=12&gl=us According to Outsource Strategies International (2008, pg. 1), â€Å"Medical diagnostic coding is a procedure used to help health care professionals digitize medical information and thereby make their record keeping and practice management more reliable and simple. Medical codes are

Hamlets negative perception of women in Shakespeares epic Hamlet Essay

Hamlets negative perception of women in Shakespeares epic Hamlet - Essay Example Leaving vulnerable roles for women and giving them no personal agency are the kinds of things for which Shakespeare has attracted much criticism over the years. Hamlet is the name of one such Shakespearean tragedy which clearly is a critically acclaimed success, but keeping in pattern with its predecessors, female characters in this play also are inferior to their male counterparts. Strangely enough, women are often introduced and portrayed as antagonists to the leading hero of the play who have either done something wrong to infuriate the male hero or are just simply misinterpreted and treated negatively. In Hamlet too, both leading female characters, Gertrude and Opehlia, are portrayed in a negative light. Both are singularly vulnerable compared to other main male characters and have no personal agency. It is suggested that Ophelia contributes to Hamlet’s anguish by betraying him on her father’s insistence, but actually Hamlet proves to be the source of her pain. The hotheaded aggressive hero of the tragedy causes Ophelia more emotional distress than she could ever cause to him and also contributes to her tragic demise. The purpose of this essay is to augment this argument that Hamlet has very negative attitudes towards women because he perceives them in a markedly flawed manner. The following discussion will explore and prove this argument in special reference to one female character, Ophelia. Prince Hamlet’s anger is made emphatic by the succession of Claudius to the throne whom he believes to be the murderer of his real father. To cap the matters, Gertrude also marries Claudius. However, irony is that she is not aware of the fact that the man she is marrying is the murderer of her husband. But, Hamlet still blames her vehemently believing he is betrayed by his mother. His personal ideology and belief about women is quite degrading and insulting, but he does not acknowledge this great weakness in his personality. According to Freud†™s psychoanalytic perspective on personality, myriad experiences of youth or early family life have huge repercussions and play a momentous role in structuring a road-map for the future. Freud’s biological mother was quite beautiful and when once, he inadvertently saw her naked, everlasting impression of attraction and love was casted on his mind. His positive impression of women and the way he acknowledges their beauty and intelligence in his work stems from that early experience (Friedman and Schustack 70). In the same way, the bitter experience Hamlet shared with his mother in the form of her agreeing to marry Claudius cultivates this everlasting belief in his heart that all women are traitorous creatures who are not to be loved, appreciated, and believed. This belief structures a roadmap for his future life too which is evident in the way he goes on to treat Ophelia, another important woman in his life. Hamlet’s rancorous relationship with his mother develops emo tional deficits in him. This is because the kind of attachment he has with Gertrude as a son affects him deeply and shapes his behaviors. He clearly does not share healthy cumulative experiences with Gertrude, due to which he ends up developing a warped sense of attachment and psychological connectedness with Ophelia. Gertrude is not to be blamed here, of course, for negatively influencing her son. This is Hamlet’s innate disposition to perceive things negatively taking them for what they are not in reality. This is why his relationship with Ophelia is so affectionless. A long journey consisting of many manipulative schemes is undertaken by Hamlet to reach his objectives and seek revenge on his enemies. One of those

Discuss the Careers of Teaching and Car Salesman Research Paper

Discuss the Careers of Teaching and Car Salesman - Research Paper Example I do have the panache to learn about the unique features of each model and brand I come across (Witkin 152). Should I be a car salesman, I will definitely be one who is quiet well informed about cars. Every good vocation begins with a deep interest, isn’t it (Bloom 26)? Besides, I am a very authentic talker and I do believe that anybody who comes to me with the intention of buying a car will certainly end up buying one (Andrews 247). I believe that sincerity and frankness are the ultimate credentials that make a good salesman (Shetty & Buehler 63). The other thing is that I am really good with numbers; however I really don’t know whether I will be able to convert my deftness and finesse with numbers into actual sales. One enticing factor is that if I end up being a great car salesman, at a later stage I can start my own car dealership. Pecuniary benefits do constitute an integral component of a great career. Well, one cannot expect to be a premium salesman right from th e start. Or perhaps, considering my astute skills and communication expertise, I can later on move to a career in real estate. Actually, the thing is that the more I ponder about a career in auto sales, the less convinced I feel about joining this profession. I should listen to my heart also. I think a career as a teacher will be the one that will do ample justice to my academic achievements and personal temperament. I do have the dedication to pursue a discipline with sincerity and dedication. One cannot teach what one does not know. In teaching a person needs to be proficient in the subject one teaches (Stronge 66). Besides, I have an academic bent of mind which continually nudges me to build on the understanding of the subjects I like (Aylett 75). Teaching will be a really suitable outlet for such academic dedication and sincerity. The other great personal attribute that supports my choice of teaching as a

Aims and Objectives for Teaching and Learning Essay Example for Free

Aims and Objectives for Teaching and Learning Essay The successful teacher is the armed teacher. Lessons’ plans and repertoire of activities are our arms. In order to achieve genuine communication in the classroom, every lesson should be wisely planned and perfectly provided having balanced variety of activities. The teacher of ESOL must manage the class involving all the students all the time to make them active learners. First of all, the teacher is to create a comfortable atmosphere in the classroom according to TESOL general principles. They are: 1. â€Å"Look after your students. 2. Be a caring person. 3. Raise students\ self-esteem. 4. Give deserved praise. 5. Be yourself.† Every lesson should start with friendly chatting with students in a natural way to give them the opportunity to act in real life and to show them the teacher interest. E.g. Ask them about last weekend at the week beginning. It is absolutely important to pronounce the students names correctly. When having difficulties, we may involve the students in learning their names asking them to explain the name meaning and to correct our pronunciation. Paying attention to every student is a clue to a genuine communication. So, we are to look at all the students in the class. The caring teacher moves around the class as a ‘prowling lion’ to make the students feel encouraged, and changes their focus at the moment the subject of learning is changing. E.g. When talking about nature, move to the window and ask some student to describe the sky, another student to talk about the trees behind the window, and so on. We must care about the seating model of the classroom. Facing with standard rows we need to rearrange the furniture to circle or semi-circle/horseshoe to create the most comfortable communication. If rearranging is impossible the teacher may ask the students to walk around the class to find partners for pair/group work. Also, we can make groups asking one pair to turn round to another pair when seating in rows. We may see the separate tables for groups in some schools. This model is also appropriate as allows the teacher to move around the class prompting and explaining something to the table groups. The furniture arrangement may be dynamic, changing every lesson according to the activities. As to a groupwork, it is one of the best techniques of involving the students into communication. The preferred number of students for the group is five to have the opportunity to of major view because of an odd number. The group of five students is big enough to participate in communicative activities (e.g. role-plays, information/opinion gaps and collaborative work), and small enough for effective interaction. However, we may divide the students into smaller or bigger groups, pairs, and teams according to the activities. When organizing a pairwork/groupwork we should take into account some aspects: †¢ friendship. People in the group are to be pleasant to each other. We can make it clear asking the students to write the confidential lists of their preferences and dislikes; †¢ nationality. Teaching multi-lingual classes we shouldn’t put into groups the students of the same nationality to avoid the using of the mother tongue. †¢ streaming. Weak and strong students are to be mixed in pairs and groups to make cooperative work to be effective and helpful. †¢ gender and status. According to some contexts, we can’t put men and women into one group. Also, teaching business English, we should know the status of our students to be sure in the appropriateness of putting people together. We must always remember about L.T.T.T. as we want to achieve genuine communication. The more students speak, the more they learn how to do it. So, we should decrease our talking to increase the talking of our students. E.g. Explaining the grammar involve the students asking them for their examples of the point. Using the white/black board we must write clearly. It’s possible to print something if keeping a board in order is difficult. The white/black board is quite appropriate instrument for various activities as table filling, games, errors’ correction, etc. Encouragement is the cornerstone of communication in class. ‘No!† may discourage everyone. That’s why we should use the more kind intonation as ‘No, but†¦Ã¢â‚¬â„¢ Frequent use of ‘good’ is also appropriate, as in ‘Good, but†¦Ã¢â‚¬â„¢ Giving a puzzled expression to encourage a student to reformulate the sentence is good practice to keep high level of motivation to communicate. Grammar terminology needs to be minimized as it possible. Bur the teacher must know the grammar to keep the credibility. Encouraging students to learn English outside the classroom develops their receptive and productive skills. As for extensive listening, we can find various authentic materials on the Internet. E.g. news reports, radio podcasts, TEFL listening materials, TV shows, songs, etc. To develop the extensive reading we can build up a library of suitable books in our SAC. We can create the website to involve students in writing their blogs for informal communication. And we can go outside the classroom for speaking in an informal environment. Agency gives students the opportunity to make some decisions about the learning process and keeps them encouraged. Learning journals brings much sense helping the students to communicate freely and creating the dialogue between teacher and student. Questions are very popular in a communicative approach. But we should remember some rules: †¢ don’t address the question to keep the attention; †¢ use ‘wait time’ to encourage; †¢ don’t ask students in fixed order, be unpredictable; †¢ ask everyone equally. Two types of questions, i.e. closed and open-ended, help to activate students’ mind in various ways. The open question is appropriate for the lesson starting to focus the students’ attention on the topic. To manage the students successfully we must differentiate their work according to the abilities by task, by support, or my homework. We must be armed at all points to manage interruptions. For example, to have extra copies of textbooks, pencils, and rubbers in the case they may be forgotten; don’t wait for coming-late people; give an extra explanation for lost-on-point students; deal with personal problems outside class time. To help students to process information we should use a VAK presentation that allows different types of learners to accept the point using their best way, i.e visual, auditory or kinesthetic. Creating the successful classroom let us avoid the problem behavior of the students. Engaged and successful students with raised self-esteem have no t ime and purpose to behave badly.

Student SSCP Domain Research Paper Essay Example for Free

Student SSCP Domain Research Paper Essay For Richman Investments the users are the biggest threats so I would give access keys in various levels and to various departments. With that being said I would set renewal of password anywhere from 28 days to 6 months apart depending on department and job in the company. Have basics such as firewall and full antivirus software as well as restricted upload and download abilities. Administrators could have the option of layering security by enforcing the use of PIN numbers, hardware tokens, client certificates and other forms of secure authentication on top of AD or LDAP (Lightweight Directory Access Protocol). After implementation of several security policies, I would create a SSL (Secure Socket Layer) VPN (Virtual Private Network) network, a form of VPN that can be used with a standard Web browser. In the traditional Internet Protocol Security (IPsec) VPN, an SSL VPN does not require the installation of specialized client software on the end users computer. Its used to give remote users with access to Web applications, client/server applications and internal network connections. SSL VPN doesn’t require specialized client software on the user computer. For site to site we would just use VPN to secure the network data and encrypt it for security measure. An SSL VPN offers versatility, ease of use and granular control for a range of users on a variety of computers, accessing resources from many locations. There are two major types of SSL VPNs. SSL Portal VPN is a type of SSL VPN allows for a single SSL connection to a Web site so the end user can securely access multiple network services. The site is called a portal because it is one door (a single page) that leads to many other resources. The remote user accesses the SSL VPN gateway using any modern Web browser, identifies the user to the gateway by using an authentication method supported by the gateway and is then presented with a Web page that acts as the portal to the other services.SSL Tunnel VPN is another type of SSL VPN that allows a Web browser to securely access multiple network services, including applications and protocols that are not Web-based, through a tunnel that is running under SSL. SSL tunnel VPNs require that the Web browser be able to handle active content, which allows them to provide functionality that is not accessible to SSL portal VPNs. Examples of active content include Java, JavaScript, Active X, or Flash applications.

Applications Of Chemical Equilibrium In Industrial Processes Environmental Sciences Essay

Applications Of Chemical Equilibrium In Industrial Processes Environmental Sciences Essay From the simple processes of dissolution and crystallization in a saturated sugar solution to a complicated industrial process of oxidation and reduction in industry chemical equilibrium plays a major role. Chemical equilibrium is the balance in the rate of two opposing reversible reactions with no change applied to the system with applied constant pressure and temperature. In a system where carbon monoxide is reacting with oxygen gas to form carbon dioxide there will be quantity of carbon monoxide left in the solution for as long as the reaction is placed. This is due to this reaction being a reversible reaction, although carbon monoxide and oxygen gas are synthesizing to form carbon dioxide, a contradicting reversible reaction is taking place, the decomposition of carbon dioxide to form carbon monoxide and oxygen gas. Figure 1: Chemical EquilibriumAs shown in Figure 1, in a reversible process, the rate of reaction for products turning into reactants [forward reaction] slows down as more reactants are changed into products simultaneously the rate of reaction of products changing into reactants [backwards reaction] speeds up. At a certain time for a specific temperature and pressure, the rate of reaction for both would be equal with no further change in the system.reaction-rate-time-graph.gif Still, when the system is under influence of a change in temperature or pressure the reversible reaction would be affected. Le Chateliers principle generalizes this in if a system in equilibrium is subjected to a stress the equilibrium will shift in the direction which tends to relive the stress. (Le Chateliers Principle) If the system is under the influence of a temperature altering the system will oppose this change. If an increase in temperature causes the increase in the rate of an endothermic reaction then the system will oppose this reaction by lowering the temperature thus favoring the endothermic reaction. Similarly, if the decrease in temperature increases the rate of the endothermic reaction, then the system opposes this stress by favoring the exothermic reaction. Pressure, is another variable contributing in affecting the state of equilibrium that affects gaseous reaction only. If an increase in pressure is applied, then the system opposes this change by aiming to lower the pressure favoring the side with less gas molecules. Likewise, if a decrease in pressure is applied then the system opposes this change by increasing the pressure favoring the side with more gaseous molecules. Several process in industry depend on Le Chateliers principle, the Haber-Posch process, the contact process, and the Ostwald process. In the Haber process nitrogen gas from air reacts with hydrogen gas from natural gas [mainly methane] in order to provide ammonia gas. Since ammonia is a crucial substance in agriculture for the manufacturing of fertilizers it is vital to produce as much as possible in the lowest time possible. N2(g) + 3 H2(g) is in equilibrium with 2 NH3(g) ΆH=-92KJ mol-1 The previous equation shows the chemical equation for the formation of ammonia. In order to obtain the highest amount of ammonia the reaction needs to be stimulated forward. An increase in pressure would influence the system. By increasing the pressure, the system will oppose this stress by decreasing the pressure favoring the side with less gas molecules thus the forward reaction providing more ammonia gas. The process takes place in a pressure of 200 atm. Since enthalpy of reaction is negative, then the forward reaction is an exothermic reaction. To induce the system into manufacturing further ammonia gas the temperature needs to be lowered. Yet, the low temperature would cause fewer collisions between particles causing the process to take more time. A compromise is put into action. The temperature is increased to 400-450ËÅ ¡C with adding an iron catalyst. The iron catalyst works on lowering the activation energy needed for the reaction to occur thus ensuring that reaction takes time in as short time period as possible. (Clark,1) Nitrogen gas is easily liquefied under high pressures and is collected separating it from nitrogen and hydrogen gas which are recycled. Similar to the Haber Process, the contact process is an exothermic reaction in which sulphur dioxide gas is oxidized to produce sulphur trioxide, an initial step into forming sulphuric acid. (Clark,1) 2 SO2(g) + O2(g) is in equilibrium with2 SO3(g) ΆH=-197KJ mol-1 In this process also, a high temperature of around 400-450ËÅ ¡C is used with vanadium pentaoxide catalyst and a high pressure of 100-200kPa. In addition, the Ostwald process is in which nitric acid is formed in several steps; the oxidation of ammonia is a highly exothermic reaction which takes place in it. (Clark,1) 4 NH3(g) + 5 O2(g) is in equilibrium with4 NO2(g) + 6 H2O(g) Ά=-950KJ mol-1 To insure the highest possible amount of nitrogen dioxide formed a high pressure is used, with a great temperature of 900ËÅ ¡C and a platinum-rhodium catalyst. (Clark,1) Although sufficient solutions to producing essential products were obtained, limitations are found when considering the economic factor. In the contact process, using a platinum catalyst would be more efficient but since it is highly expensive and susceptible to poisoning thus the platinum-rhodium catalyst is used. Moreover, high pressure is expensive to produce. First, extremely strong pipes and containment vessels need to be built to withstand such pressure, and the maintenance and running of high pressures are costly. (Clark,1) Nitric acid is widely used in jewelry industry, when combined with hydrochloric acid it forms Aqua Regia, a reagent that is capable of dissolving important metals such as gold and platinum. It was often used in 1940 and 1965 as an oxidizer in liquid-propellant rocket engines. (Article Trader) The Haber process has been identified as environmentally destructive. It abrupt the nitrogen cycle, pollutes ground water, and increases the levels of atmospheric nitrogen dioxide, a potential greenhouse gas. Yet, if it wasnt for nitrogen fertilizers farmers wouldnt be able to prosperous as much. Sulphuric acid may show signs of harm and injury on plants reducing yield of certain crops, it may also dissolve in water droplets in clouds causing acid rain. It results in the damaging of wildlife and vegetation. Acid rain close to ground level can also cause damaging to building and statutes. On the other hand, sulphuric acid may reduce the invasion of pests or fungal diseases on plants causing plants to become healthier. Likewise, Nitric acid plays a major role in agriculture forming ammonium nitrate fertilizers. (Environment Agency) In the health factor, the excessive exposure to sulphur dioxide may harm the eyes lungs and throat. Furthermore, nitric acid is highly corrosive to the eyes, skin, and mucous membrane. (Environment Agency)Contact with dilute nitric acid concentrations may cause skin irritation, deep painful burns, and hardening of epidermis, while eye contact may cause severe burns and permanent damage. Inhalation of high concentrations may cause respiratory irritations with possible fatal effects. Ingestion of nitric acid results in the burning and corrosion of mouth, throat, and stomach. A dose of 10mL is fatal to humans. (Article Trader) Science has proven to bring forth various solutions. Chemistry is no separate part of industry. It provides it with the most suitable and contemptible answers. Chemical equilibrium plays a major role in aiding to provide the utmost concentration of product needed. Several conflicts and damaging factors might be the result of such industrial processes but are all main reason behind erecting and the prosperity of the human society.

Reconstruction in the Post-Civil War Era Essay -- USA, American Histor

After the Civil War, the South lay in ruins. Streets were lined with the lifeless bodies of Confederate soldiers whilst the buildings smoldered right down to their foundations. In an effort to restore the South to its former charm, the U.S. government plunged the country into what is now called the Reconstruction Era. President Lincoln’s approach towards reconstruction, known as the 10% Plan, was rivaled by the collaborative effort of Henry Davis and Benjamin Wade; known as the Wade-Davis Bill. Both plans never made it into effect, but they set a precedent for more rivalries to come. President Johnson’s election did not serve any justice towards the effort of Reconstruction. He was a â€Å"Southern Sympathizer† who did all in his power to pardon all Confederate soldiers as well as suppress the rights of newly emancipated African Americans. Going against Congress, Johnson implemented his own plan on allowing southern states back into the Union; under which the succeeded states needed to nullify secession and abolish slavery. Johnson also agreed to not pay any war debts to the Confedera...

Teaching Race Explicitly in the Classroom Essay -- Education

Teaching Race Explicitly in the Classroom Many literacy experts point out the fact that at the college level, black students who attend all-black schools tend to be more successful than those attending predominantly white schools. Even though these schools often lack resources and financial stability, they nonetheless produce more high achieving black students than predominantly white schools. For instance, according to Fleming, black students attending Historically Black Universities and Colleges (HBUC) have higher graduation rates than those attending predominately white institutions. Also, students who graduate from a HBUC and go on to attend predominantly white graduate schools do just as well as students who have graduated from predominantly white colleges (Fleming 1). What is it that black schools and black teachers have that produces academically successful black students? What approaches to learning can white teachers adopt from black teachers in order to maximize the learning of these students? Bell Hooks, author of Teaching to Transgress: Education as the Practice of Freedom, grew up in the South. As a young child, she attended a segregated school, but then made the transition into a desegregated school later in her youth. Hooks believes that the education she received at the all-black school was far better than the education at the desegregated school. Hooks explains: Almost all of our teachers at Booker T. Washington were black women. They were committed to nurturing our intellect so that we could become scholars, thinkers, and cultural workers—black folks who used our "minds"†¦Within these segregated schools, black children who were deemed exceptional, gifted were given special care†¦When we entered rac... ..., Jacqueline Jordan and James W. Fraser. "Warm Demanders." Education Week 17 (1998): n. pag. Online. Internet. 21 May 1998. Available FTP: http//:www.edweek.org/ew/vol-17/35irvine.h17 Jones, LeAlan and Newman, Lloyd. Our America: Life and Death on the South Side of Chicago. New York: Washington Square Press Publication, 1997. Ladson-Billings, Gloria. The Dreamkeepers: Successful Teachers of African American Children. San Francisco: Jossey-Bass Publishers, 1994. Smitherman, Geneva. "The Blacker the Berry, The Sweeter the Juice." 1994. Tatum, Beverly. Why Are All the Black Kids Sitting Together in the Cafeteria? New York: Basic Books, 1997. Villegas, A. "School Failure and Cultural Mismatch: Another View." The Urban Review, 20.4 (1988): 253-265. Wellman, David. Portraits of White Racism. Cambridge: Cambridge University Press, 1977.

What Is The Purpose Of College

While struggling to prioritize and manage my time efficiently for the complete on of finals, the recurring question of the significance of college plays in my head. Was this the right decision? Will this land me my dream job in four years? Is this a familiar feeling g for all college freshmen? Questions such as these race back and forth as I try my hardest to finish word k for general education classes that have absolutely no interest in.All throughout my high school years was essentially being trained for college The exams, essay structures, and constant lectures of expectations were all drilled into us in preparation for higher education. I've learned, however, that there are so ma NY small but imperative details about college that a high school counselor cannot teach a p arson; one has to experience it for themselves. The sudden gift Of freedom and the ability to ex. SST without any supervision from those one is so accustomed to obeying, is more than enough h to catch a student of f guard and result in experimental behavior.Even aside from students in De separate attempts to mind themselves and adapt to such a brand new environment, the coursework and pressure for students to have their college careers planned out is more than likely to lead t o doubts and stress. In the long run, it is almost certain that the decision to obtain a degree will lea eve a person with a higher chance at earning a greater salary, becoming more knowledgeable of g mineral studies, and being better able to handle both diversity and adversity.While there are man y benefits there are also many flaws in the system, as well as alternatives for those who do not bell eve that the college experience is right for them. One of the greatest influences of college admissions is the impression that o en is guaranteed to earn a higher salary if they have a degree of some level. While t he probabilities aren't set in stone, there are some relative pieces of evidence that support HTH s theory. Accor ding to the U. S.Census Bureau, the annual salary difference between high school g radiates and those who hold a bachelors degree is roughly twentieth thousand dollars. With a college degree in a particular field one makes themselves more marketable, as well as qualified ND available for many more open positions because of their previously acquired knowledge. N regards to the job search, the more time a person spends at a college allows them to make all the e more connections adjusts might help them land a position with ease.As far as the economy go sees in today's society, having a bachelors degree (or higher) is the equivalent to what holding g a high school diploma was just years ago. As time passes, requirements become a lot more particular depending on the compensation one would like to receive from their employ For those who are passionate about a particular subject, college is a great plan CE to attend. The unlimited amount of resources, aid from specialized professors, and s up port from peers studying the exact majors are a great motivator for success.College grants SST dents the opportunity to find themselves in a sense. Because of all the freedoms, studs ants gradually begin to realize their true likes and dislikes. Often times things that one thought the y were passionate about end up getting replaced by a new found love. College supports these d velveteen's and offers platforms (such as classrooms and studies) for one to be creative and e express themselves. It is not always about choosing the field that will yield the most income.Taking g the opportunity to pursue your craft, no matter what the reward, is a notion that some are away are enough to take note Of and act upon. The ability to understand people and their different cultures, behaviors, etc can be learned in college as well. Universities present the chance to meet and socialize e with peers from all over the world. And although this may be a bit uncomfortable and sort of a culture shock a t first, the lessons and comprehensions that one leaves these friendships with are priceless and unlikely to happen in any other setting.Aversive, or stress, may be the biggest and recurring obstacles throughout on see's college career. It stems from any and every place, and happens all the time. The pres sure to succeed and pass with outstanding grades and the inability to manage time effectively are probably the leading causes of stress. But, if there's anyone who can handle a week's worth of extreme sisters and still manage to pull their grades together despite the occasional mental meltdown, its a college student. But is college really necessary?Is it really required for everyone? No, if one do sees decide not to attend college that in no way makes them a failure or any less superior than a graduate. Although college offers a lot of possibilities, so does the real world. There are still hundreds of ways to sun. ‘eve and support oneself without higher education. For starter s, o en can teach themselves. By simply choosing the subject of their interest, a person can ma term any topic he or she desires by use Of obtainable resources such as books, videos, online tutor ails, etcetera.A schoolbag's alternative to college is also trade school. By earning a certificate , a person can do anything from working in that corresponding area to taking the next step and opening pupa business or practice that provides that particular service. Another factor that leads people to choosing a direction other than college is the fact that it is so extremely pricey. Many people cannot make the grades for scholarship s, do not receive enough in financial aid, and can not afford college out of pocket.Therefore t hey are forced to result in a lesser alternative or just not pursuing an extended education at all. Ultimately, college is a privilege and a huge decision for anyone considering attending. Prepare ion is key: entering with a healthy mindset is ideal for a smooth tran sition. As for those who not s e themselves in university in the future, it is perfectly okay to chase your dreams and do what you set your mind and heart to.

Elie Wiesel Essay

Directions: Choose one prompt below to respond to in a 4-5 paragraph expository essay. Be sure to develop a strong thesis statement that makes an argument and topic sentences for each body paragraph. Please follow these requirements to ensure yourself of maximum points: 1. Use MLA Format, including headers 2. It is important that you take time to organize your thoughts through prewriting/shaping. Ultimately, this saves you time in the long run. (Re: organize body paragraphs first!) 3. Create a clear and argumentative thesis statement and place it at the end of your introductory paragraph. 4. Organize two body paragraphs that contain at least two quotes each; begin each paragraph with a clear and argumentative topic sentence 5. Provide a smooth lead-in for each quote which gives contextual information 6. Include parenthetical citations with page numbers after each quote.   7.Make sure your Concluding paragraph is all commentary. Prompts: 1) One of the most tragic themes in Night is Eliezer’s discovery of the way that atrocities and cruel treatment can make decent people into brutes. Does Elie himself escape this fate? Use specific events to convey your opinion. 2) Elie Wiesel won the Nobel Peace Prize in 1986 for his championing of human rights around the world. How might his advocacy for human rights have grown out of his Holocaust experiences? What are the positive lessons of the Holocaust that Wiesel hints at in Night? 3) Dehumanization is the process by which the Nazis reduced the Jews to little more than â€Å"things† which were a nuisance to them. Discuss how dehumanization occurred in Night (you can include events that occurred that dehumanized Eliezer, his father, or his fellow Jews) and how this helped Hitler achieve his ends. 4) Oftentimes in novels, authors write with a purpose to teach the reader

What High School Is?

â€Å"What High School Is,† is a chapter from a book called Horace’s Compromise: The Dilemma of American High School, and was written by Theodore R. Sizer in 1984. Mr. Sizer starts the chapter out with a story of a typical boy named mark who is in the eleventh grade. In this story the author describes in detail how Mark spends one of his time blocked days in high school. Mr. Sizer feels it is important to analyze how Mark spends his time because he feels it is a reflection, with some degree of variation, of how most high school students spend their time in school.Mr. Sizer argues, â€Å"taking subjects† in a systematized, conveyer-belt way is what is what one does in high school (Sizer). He feels that this process is not related to the rhetorical goals of education; however, it is tolerated by most Americans. In addition, Mr. Sizer argues that there is little demand for synthesis of subjects and that courses are too broad and there is just not enough time to cove r all the material. â€Å"The school schedule is a series of units of time: the clock is king†¦ ow much time do I have with my kids, is the teacher’s key question† (Sizer pg. 40). School periods are about fifty minute each and students and teacher have a few minutes to go from class to class. Mr. Sizer argues that going from class to class gives the school day a kind of restless and hectic quality and provides the students with many distractions. Mr. Seizer point is strong, restlessness and distractions seem to go hand and hand here, once the children enter the class they must be resettled and their attention refocused leaving even less time for learning.In addition, most schools have at least one class that is called a â€Å"split class†. During â€Å"split classes† the student starts their class period, then, half way through it is interrupted so they can go to lunch or attend another activity. After they have finished lunch or the other activity t hey then return for the second half of their class, talk about hectic, restless, and distracting. However, Mr. Sizer does not address the some of the strengths of taking subjects, for example, the importance of responsibility, punctuality, and time management kills acquired through this type of scheduling. Another point that Mr. Sizer argues is that there is little demand for synthesis of subjects; they are just loosely related. He feels that two or more subjects should be tapped in order to solve a complex problem as learning opportunity. In addition, Mr. Sizer argues that schools feel that covering all the material within the subject is key, however, the material is only â€Å"supposedly covered† because many of these courses are too broad and there is just not enough time.This point is strong, which leaves little room for change or new creative ways to learn. Mr. Sizer points out that the opposition will always challenge and usually win against new creative ideas on learni ng with statements such as, â€Å"what may be thus forgone†, â€Å"we won’t be able to get to programming or Death of a Salesman†, and â€Å"there isn’t time† (Sizer). This kind of scheduling is too rigid and too broad, thus, making it almost impossible for any type of change.In conclusion, Mr. Sizer does not look too fondly on our countries education system, he argues, taking subjects† in a systematized, conveyer-belt way is what is what one does in high school. He feels that this process is not related to the rhetorical goals of education; however, it is tolerated by most Americans. Lastly, Mr. Sizer argues that there is little demand for synthesis of subjects and that courses are too broad and that this type of scheduling too rigid.

Kraft’s Acquisition of Cadbury Essay

The Kraft Foods Group Inc. (â€Å"Kraft†) operates in the food and beverage industry. Kraft is the U.S.’s #1 food company and #2 in the world (after Nestlà ©) in sales according to Hoover’s 2009. Their competitive advantages are: global scale [distribution around 150 countries, (LexisNexis, 2012)]; modern technology, equipment and R&D (â€Å"Kraft deploys SAP Tech. platform†, 2008); their partnerships with companies like AOL TWX, Rainforest Alliance, etc. (â€Å"Kraft Foods partners with Rainforest Alliance on sustainable coffee initiative†, 2009); and their supply chain (www.pincsolutions.com/kraft-foods, 2012). These advantages can attribute Kraft’s Net Profit Margin of 10.08%, compared to the industry’s average of 5.37% (Hoover’s, 2012). On the other hand, Cadbury is a confectionery and is the industry’s second-largest globally after Mars (Gray, 2009) and the company operates in approx. 50 countries worldwide. Their capabilities, brand popularity and innovation represent their main competitive advantages (â€Å"Using Open Innovation to Ensure Competitive Advantage†, 2010). With the acquisition, Cadbury will benefit from Kraft’s scale (Birchall & Wiggins, 2009), their distribution in emerging markets (Elms, â€Å"Kraft and Cadbury) and their marketing muscle (English, 2009), which will result in a faster growth for Cadbury. Kraft will benefit by diversifying even more on related business (they already own Toblerone, Nutter Butter, etc,) and also from Cadbury’s capabilities (brand, innovation, know-how, etc.) that will likely represent as an additional source of value creation for Kraft. Together the companies will surely impair the competition: for example the termination of Hershey’s license to make and sell the Cadbury brands in the U.S. (30% of total sales, Hoover’s, 2008). Currently Kraft if facing two major issues, and they are: – The acquisition only makes sense if Kraft can obtain a return on investment capital bigger than the cost of capital within a reasonable timeframe. – The competition with Nestle, Hershey and Mars. The recommendations are the following: Kraft should boost the growth and profitability of Cadbury by exploiting their scale, marketing potential, placing in emerging markets and partnerships, as they did with Post cereals in 2008 (Hoover’s, 2009). Additionally on the functional level, Cadbury’s legal department should terminate Hershey’s license to sell and distribute their products in the U.S. and transfer this licenses to Kraft. Kraft should also take advantage of the Cadbury acquisition (diversifying on related business) and this should result in the creation of additional value for Kraft, resulting in a competitive advantage vs. competitors (Nestlà ©, Mars, etc.). A â€Å"tapered† integration of Cadbury is reasonable: selling the distribution rights to competitors in the markets where Kraft is not present (43 countries); at the same time Kraft should exploit the exclusive distribution and fabrication rights for Cadbury’s products where they are present.

Career Goals and Learning Plan Paper

Career Goals and Learning Plan Paper Throughout the years, when it comes to personal and business tasks, it has been my experience that I have bad times, and good times during the day. In reference to my optimal learning time I find that during the early morning hours, I am able to read, write, and thoroughly soak up new information until late afternoon. It is very hard for me to begin a task during late afternoon and evening hours, however, once I begin, I wind up, and begin working until early morning. I get no rest this way. According to Carter, Bishop, and Lyman (2007) â€Å"Knowing how you learn helps you choose study techniques that capitalize on your strengths† (Chapter 2, p. 49). After reviewing my results from the Multiple Intelligence test and the Personality Spectrum I realize that I am a â€Å"Visual /Spatial, (a visual) learner†. I learn best when I highlight the most important points in a document, journal, or book using different colors (the colors identify the priority of a statement). I also find it useful when I group all the information that I have highlighted into one document. Viewing videos on a subject, for me, helps me retain more information. In the past videos have been valuable tools as regards to my leaning style. Malcolm Knowles (2005), a pioneer in the field of adult learning believed that; adults need to see more clearly how what they are being asked to learn will benefit them; for adults, learning is much more utilitarian than it is for children. He explained that adults are motivated to learn from being in situations in which they see a need to learn, adults also learn from their experiences, and are resentful of being told what to learn. Therefore, the most productive adult learning comes from the analysis of adult experience (p. 75). My accumulated life experiences have enabled me to become a better student. However, I am not in complete agreement that adults are resentful of being told what to learn. How can one obtain a degree, or maintain a job if they resent authority? I have my own theory about that. I believe that some people, not all, are intimidated by adults because of their life experience; therefore, they automatically assume that we are resentful. For me every day is a life, learning experience. I meet so many people, from all over the world on a daily basis and I embrace and enjoy the experience of being taught, told, and learning from their knowledge. Knowledge is a gift. We can only benefit if we listen. I learned the art of listening at a very young age and I am glad that I adhere to it. Acknowledging, and accepting authority is a sign of respect. During my undergraduate studies, a young, 27 year old Instructor, tutored me, and made it possible for me to pass a Statistics class. My experiences in life have taught me how to become a motivated, and respectful adult learner. Kearns and Gardiner (2007) explained that (as cited by Gillespie, Walsh, Winfield, Dua, and Stough, 2003, p. 53-72) â€Å"Today’s students will tell you that demands of lectures, study, assignments, exams, technology and work, there is barely any time for life. Recent studies indicate these time pressures seem to be getting more critical for already overworked university staff and students† (p. 235). Fitsimmons (2008). Stated that Good Planning ensures that you get to a desirable end with a project or other effort, whether that project is something specific to your library workplace, or your whole career† (p. 61). I began by making a To Do List that corresponds with my class syllables, and my work assignments. When studying, I begin with the most difficult subject or task. Fortunately, I am self employed; therefore, it is easy to set my client appointments around my scho ol schedule. In reference to how I organize my assignments. I create individuals on my computer folders for my discussions, my assigned readings, my research, and my assignments. I pick a time to complete my work and as each task is completed I mark it off on the syllables as done. It is much easier when I scan through the assigned readings, (highlighting the important points) first, and then I move on to completing my assigned work. I follow the guidelines of thinking like the writer when I read in order to get a complete understanding of what I am reading. I leave enough time for work, family, me time and social time. But even at those times I am asking questions while speaking to family and friends who are interested in what I am doing. Good planning is the only way to succeed with time management. Kearns and Gardiner (2007) identified four main time management behaviors: â€Å"having a clear purpose in your career† (being clear about your personal goals), â€Å"planning and prioritizing† (setting aside time, and creating a planning schedule that allows you to complete tasks), â€Å"avoiding interruptions and distractions† and â€Å"being organized which includes being tidy, quickly responding to mails, and having an efficient filing system† (p. 1). Staying optimistic, believing in the magic of my dreams (visualizing), I have learned to manage the stress associated with my decision to return to school to obtain a Master’s in the Science Psychology. There are many career paths that are available with this degree. With a Masters Degrees I may be able to apply for positions in group counseling practices, clinics, program for specific populations (drug abusers, battered wives, etc. ), and employee assistance programs. A masters degree gives you more occupational advantages than a bachelors degree, but less than a doctoral degree. My preferred career path is to work with homeless and abused and battered women. I have first hand, and second hand experience in dealing women in this situation. However, I have been out of the workforce for many years, and I realize that I may need to complete some extensive volunteer work, in order that I may demonstrate that I have an immense amount of experience in this field. With my cosmic interpersonal skills I would become an asset to any agency. There are also other careers that interest me, such as, Case Worker, Director of Volunteer Services, Drug/Substance Abuse Counseling (which requires a certificate in Casack Substance Counseling), Program Manager, and College Admissions Counseling. In Conclusion, being optimistic about knowing my learning style, staying organized, and giving myself time to work on my studies, keeps me healthier, less stressed and more successful in completing my personal goals.