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as400 manager resume Sioux Falls, SD 57109. Foreclosure Essay. K. Shawn Richardson. Hoover Jeff Fort. Senior IT Programmer/Analyst and Management professional with over to Help Avoid Essay, seventeen years of outline, COBOL experience and a proven track record in Ideas Foreclosure Essay, large systems, including CyberLife's Enterprise system (with CICS, GUI, XML and web-enabled interfaces) and Vantage One. Specialize in complex custom modifications within these Enterprise systems for various lines of business (including UL, VUL and Indexed Annuities) as requested by major life insurance companies to fit their business needs. Experience includes entire development life cycle of personal, gathering/reviewing requirements, preparing functional specification documents, coding, system and to Help Avoid Essay regression testing, implementation, maintenance and support. Who Was The Narrator E. Housman's Collection Lad?. Background experience also includes workmen's compensation products and applications with added knowledge of e-commerce and web development. To Help Avoid Foreclosure Essay. Strengths include meeting project milestones, dealing with adversity, developing team competencies and mentoring junior staff by adlerian using developed interpersonal and communication skills. Hands on experience with: Mainframe (IBM 30xx, 370/360): COBOL/II/LE, NetExpress/MicroFocus COBOL, Assembler, DB2 (SQL/SPUFI), MVS/JCL, VSAM, CICS, DYL280, Easytrieve ( Tools: TSO/ISPF/SDSF, Xpediter, SmartTest, File-Aid, Abend-Aid, DumpMaster, ChangeMan, Endevor, IBM Debug, IBM File Manager ) Development and initiation of new software program applications and Ideas to Help Avoid Essay modifications for renaissance CyberLife and Life/70 within IT Implementation department. Acted as Technical Lead for Production Support organizing and assigning IT tickets related to various Life systems overseeing offshore resources and supervising implementations. Worked as an System Matter Expert in the Administration Front-End application, Edify, an IVR software package working as an RPA to access various mainframe systems and translating into an ASP front-end user interface. Under the iVantage Group, worked on-site at Foreclosure Essay Jackson's home office located in Lansing, Michigan for the Systems Programming Policy Administration department.

Furnished contract services for a major system conversion of a half-million policies of Jackson's Fixed Index Annuity product line, valued over $18 billion, to be administered on CyberLife (release 0701) originally processed on the VantageOne system. Modifications were also required for continued new policy issues on CyberLife and included expanding policy VSAM data segments, creating auto renewal and end-of-option correspondence and pulling agent data interfacing with Performance Plus, creating conversion policy value increase notification letters, pulling interest rate and cap rates using DB2 and embedded SQL for online and batch maintenance of fixed and counseling indexed money funds, instituting default and special request maturity validations by state, processing premium credits on new issues and early withdrawals and Ideas to Help added policy statement and actuarial extracts for parallel and balance processing on a third-party subsystem. Full duties required design, implementation, regression testing and production migration support. Family-operated home-based online store offering personalized candy and party favors. Designed and implemented website functionality written in Perl that includes dynamic HTML store-front, shopping cart, credit card processing, back-office order management, inventory control. Edited images, created publication layouts and Web graphic designs using Adobe Photoshop and Microsoft Publisher. Provided technical solutions for CSC's Financial Services Group (formerly Cybertek) clients primarily utilizing the CyberLife insurance application as well as Wealth Management Accelerator (formerly Vantage One). Both applications are written in COBOL and Assembler accessing data from DB2 databases and VSAM files. Major projects have included technical analysis and tailored modifications for larry hoover jeff advanced life insurance products and annuities, conversions, routines and reports specific for CSC clients such as New York Life, Pacific Life, Allstate's Lincoln Benefit Life, Swiss Re, Nationwide, Travelers, ING, Allianz, and Sun Life.

Major custom CyberLife enhancements within new business, administration, billing, distribution, reporting and correspondence have included the following: implementing bonus interest rate processing, tracking agent persistency and sales, adding death benefit options, forecasting of to Help Avoid Foreclosure Essay, policy values, generating and modifying policy and who was of a. e. housman's collection of poems annual statements, modifying electronic bank transfers, actuarial calculations and calling/expanding external processing with systems such as VP/MS, Performance Plus, DataExchange (for web-enabled GUI modifications) or other third-party software. Ideas Foreclosure Essay. Conversions have included existing client products for Term, UL, VUL and Indexed Annuity policies as well as CyberLife release upgrades and the narrator of a. e. housman's famous collection cherry-picked enhancements from previous CSC/Cybertek releases. Ideas Essay. Vantage One modifications have included policy pages and confirms and VUL policy system conversions. Wrote technical modification documents for numerous projects that would include business specifications, system analysis, program and pictures data changes, pseudo code and to Help Foreclosure Essay test plans for implementation. Also involved in the development of CSC's internal conversion data warehousing tools. Senior Supervisor (1998 - 2007): In addition to Sr. Definition Renaissance. Programmer/Analyst duties, carrying out team lead obligations including general administrative management for to Help up to 15 Programmer/Analysts in the CSC Denver office. Larry Hoover. Oversaw employee project and time allocations, vacation scheduling and career path development.

Assured employee project utilization, provided conflict management both within the team and with client relationships, wrote employee evaluations and Ideas to Help Avoid Foreclosure Essay interviewed potential employees. Administered maintained online UNIFY database application on communication cycle 6 stages an AS/400 platform using Unix OS on-site for Occupational Healthcare Management Services (OHMS), a subsidiary of Anthem Blue Cross Blue Shield of Colorado. To Help Avoid Essay. Modified logic in communication cycle, C++ and ACCELL 4GL to convert data transmitted from proprietary client and insurance systems. Used command-prompt SQL to Ideas Foreclosure, maintain database integrity and headed conversion for Y2K preparation. Worked on-site in Detroit, Michigan at MOPAR headquarters to develop COBOL and inline DB2 SQL code and CICS maps to be used by automated Voice Response ordering system to ship auto parts and in communication 6 stages, identifying hazardous materials for special handling. Updated real-time RDBMS inventory adjustments for Ideas to Help Avoid authorized MOPAR dealers within the of a. e. housman's famous of poems United States and Canada. Maintained and developed CK4 CyberLife application written in Foreclosure Essay, COBOL, using CICS, MVS/JCL and embedded DB2 SQL code on-site for the Life Partners Group policy administration department offering Term Life and UL products. Oversaw policy migrations from test to production environments and provided production support and on-call solutions for batch cycles and migrations. Also developed and implemented processing and interface to an Interactive Voice Response system using COBOL code and CICS transactions to update Inforce Policy data.

Customer Service Manager (1995): Coordinated and communication supervised front-end areas of Avoid, store including all cashiers, service desk, and layaway. Delegated resources for customer flow based on employee schedules, provided security coverage, coordinated cash controls and managed customer relations as needed. In addition to operating as a cashier, was trained in various aspects of storewide procedures and communication held positions in to Help Avoid Essay, cash office, UPC inventory (operating in a UNIX environment), invoicing, directs, claims, and electronics (as a Computer Consultant). Training was for a future management position and for adlerian Colorado Mesa University internship program for Business Administration degree. Maintained technical manuals and Ideas to Help Avoid documented job scheduling, data flowcharts and overall program architecture for McDonnel Douglas vehicle fleet maintenance PERMAC application written in COBOL. Also implemented modifications to COBOL programs, JCL and communication cycle CICS screens. KD Mobile Home Services , Edgewood, New Mexico. Designed and oversaw an in-house DBase IV application to Avoid Foreclosure, track customers, vendors, estimates and renaissance pricing for repair services. Devised reports for expense and Avoid Foreclosure Essay profit tracking.

Masters of fugates pictures, Science - Computer Information Systems. University of Ideas to Help Avoid Foreclosure, Phoenix, Denver, CO (1997-1999) - GPA: 3.9. Bachelors of Business Administration - Management Information Systems. Colorado Mesa University, Grand Junction, CO (1994-1995) - GPA: 3.5. Associates of Applied Science - Business Computer Programming Technology. Central New Mexico Community College, Albuquerque, NM (1990-1994) - GPA: 3.7. Graduated Phi Theta Kappa with Honors. Certification - E-Commerce Foundations.

MYND Technologies (CSC) Colorado Mesa University Alumni (current) Phi Theta Kappa (1993-94, current alumni); elected Recording Secretary (2/94) CNM (SAT-VI) Student Government , Senator (1993-94) Youth Leadership Club (1987-91); elected President (1989-90) National Dean's List (1993-94, 1994-95) Vice President Honor Roll (12/91, 4/92, 4/93, 8/93, 12/93, 4/94, 8/94)

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How to Write a Great Business Plan. Every seasoned investor knows that detailed financial projections for a new company are an act of imagination. Nevertheless, most business plans pour far too much ink on the numbers–and far too little on the information that really matters. Why? William Sahlman suggests that a great business plan is one that focuses on to Help Avoid Essay, a series of questions. These questions relate to the four factors critical to the success of every new venture: the people, the famous of poems a shropshire lad?, opportunity, the context, and the possibilities for Foreclosure Essay both risk and reward. Of A. Famous Of Poems A Shropshire Lad?? The questions about people revolve around three issues: What do they know? Whom do they know? and How well are they known? As for opportunity, the plan should focus on two questions: Is the market for the venture’s product or service large or rapidly growing (or preferably both)? and Is the industry structurally attractive? Then, in Avoid addition to demonstrating an understanding of the context in adlerian counseling which their venture will operate, entrepreneurs should make clear how they will respond when that context inevitably changes. Ideas? Finally, the plan should look unflinchingly at the risks the new venture faces, giving would-be backers a realistic idea of what magnitude of reward they can expect and when they can expect it.

A great business plan is not easy to compose, Sahlman acknowledges, largely because most entrepreneurs are wild-eyed optimists. But one that asks the right questions is a powerful tool. Counseling? A better deal, not to mention a better shot at to Help Avoid Foreclosure Essay, success, awaits entrepreneurs who use it. Few areas of business attract as much attention as new ventures, and few aspects of new-venture creation attract as much attention as the business plan. Countless books and articles in the popular press dissect the topic. A growing number of annual business-plan contests are springing up across the United States and, increasingly, in personal narrative outline other countries. Both graduate and Ideas undergraduate schools devote entire courses to the subject.

Indeed, judging by definition renaissance, all the hoopla surrounding business plans, you would think that the only things standing between a would-be entrepreneur and spectacular success are glossy five-color charts, a bundle of meticulous-looking spreadsheets, and Ideas Foreclosure a decade of who was the narrator famous lad?, month-by-month financial projections. Nothing could be further from the truth. In my experience with hundreds of Avoid Foreclosure Essay, entrepreneurial startups, business plans rank no higher than 2—on a scale from 1 to communication cycle 10—as a predictor of a new venture’s success. Avoid Foreclosure Essay? And sometimes, in adlerian counseling fact, the more elaborately crafted the document, the Ideas to Help Foreclosure Essay, more likely the venture is to, well, flop, for lack of a more euphemistic word. What’s wrong with most business plans? The answer is relatively straightforward. Humanism Definition? Most waste too much ink on numbers and Ideas Avoid devote too little to the information that really matters to intelligent investors. As every seasoned investor knows, financial projections for a new company—especially detailed, month-by-month projections that stretch out for more than a year—are an act of imagination. An entrepreneurial venture faces far too many unknowns to predict revenues, let alone profits. Fugates Pictures? Moreover, few if any entrepreneurs correctly anticipate how much capital and time will be required to accomplish their objectives.

Typically, they are wildly optimistic, padding their projections. Ideas To Help Foreclosure? Investors know about the padding effect and renaissance therefore discount the figures in Ideas Foreclosure business plans. These maneuvers create a vicious circle of inaccuracy that benefits no one. Don’t misunderstand me: business plans should include some numbers. But those numbers should appear mainly in the form of a business model that shows the entrepreneurial team has thought through the adlerian counseling, key drivers of the venture’s success or failure. In manufacturing, such a driver might be the yield on a production process; in magazine publishing, the anticipated renewal rate; or in Foreclosure Essay software, the impact of using various distribution channels. The model should also address the break-even issue: At what level of sales does the hoover fort, business begin to make a profit? And even more important, When does cash flow turn positive? Without a doubt, these questions deserve a few pages in any business plan. Ideas Avoid Foreclosure? Near the fugates pictures, back.

What goes at the front? What information does a good business plan contain? If you want to speak the language of investors—and also make sure you have asked yourself the right questions before setting out on the most daunting journey of a businessperson’s career—I recommend basing your business plan on the framework that follows. It does not provide the kind of “winning” formula touted by some current how-to books and software programs for entrepreneurs. Nor is it a guide to Ideas Avoid Foreclosure Essay brain surgery. Rather, the framework systematically assesses the four interdependent factors critical to every new venture: The People. The men and women starting and running the venture, as well as the outside parties providing key services or important resources for it, such as its lawyers, accountants, and suppliers. The Opportunity. A profile of the business itself—what it will sell and to whom, whether the business can grow and narrative outline how fast, what its economics are, who and what stand in the way of success. The Context.

The big picture—the regulatory environment, interest rates, demographic trends, inflation, and the like—basically, factors that inevitably change but cannot be controlled by the entrepreneur. Risk and Reward. An assessment of everything that can go wrong and right, and a discussion of how the entrepreneurial team can respond. Business Plans: For Entrepreneurs Only? The accompanying article talks mainly about business plans in a familiar context, as a tool for entrepreneurs. But quite often, start-ups are launched within established companies. Do those new ventures require business plans? And if they do, should they be different from the plans entrepreneurs put together? The answer to the first question is an emphatic yes; the answer to the second, an Ideas to Help Foreclosure, equally emphatic no.

All new ventures—whether they are funded by venture capitalists or, as is the case with intrapreneurial businesses, by shareholders—need to humanism pass the same acid tests. After all, the marketplace does not differentiate between products or services based on who is pouring money into them behind the scenes. The fact is, intrapreneurial ventures need every bit as much analysis as entrepreneurial ones do, yet they rarely receive it. Instead, inside big companies, new businesses get proposed in Avoid the form of capital-budgeting requests. These faceless documents are subject to detailed financial scrutiny and a consensus-building process, as the project wends its way through the chain of the narrator famous collection a shropshire lad?, command, what I call the “neutron bomb” model of Ideas Avoid Foreclosure, project governance. Who Was The Narrator E. Housman's Famous? However, in to Help Foreclosure Essay the history of of a. collection a shropshire, such proposals, a plan never has been submitted that did not promise returns in excess of corporate hurdle rates.

It is only after the new business is launched that these numbers explode at to Help Foreclosure, the organization’s front door. That problem could be avoided in large part if intrapreneurial ventures followed the guidelines set out in hoover jeff fort the accompanying article. Ideas To Help Avoid Essay? For instance, business plans for blue fugates such a venture should begin with the résumés of all the to Help Avoid Essay, people involved. What has the communication 6 stages, team done in Ideas Avoid Essay the past that would suggest it would be successful in the future, and so on? In addition, the adlerian, new venture’s product or service should be fully analyzed in terms of its opportunity and context. Going through the process forces a kind of discipline that identifies weaknesses and strengths early on and helps managers address both.

It also helps enormously if such discipline continues after the intrapreneurial venture lifts off. When professional venture capitalists invest in to Help Essay new companies, they track performance as a matter of course. But in large companies, scrutiny of a new venture is often inconsistent. Humanism? That shouldn’t or needn’t be the case. A business plan helps managers ask such questions as: How is the new venture doing relative to to Help Avoid Foreclosure Essay projections? What decisions has the team made in response to new information? Have changes in the context made additional funding necessary?

How could the team have predicted those changes? Such questions not only keep a new venture running smoothly but also help an organization learn from its mistakes and personal narrative outline triumphs. Many successful companies have been built with the help of Ideas Foreclosure, venture capitalists. Many of the underlying opportunities could have been exploited by fugates, large companies. Why weren’t they? Perhaps useful lessons can be learned by studying the world of independent ventures, one lesson being: Write a great business plan. The assumption behind the framework is that great businesses have attributes that are easy to identify but hard to assemble. They have an experienced, energetic managerial team from the top to Ideas Foreclosure the bottom. Who Was Collection A Shropshire Lad?? The team’s members have skills and experiences directly relevant to Ideas to Help Avoid Foreclosure Essay the opportunity they are pursuing.

Ideally, they will have worked successfully together in the past. The opportunity has an attractive, sustainable business model; it is humanism renaissance, possible to to Help Avoid create a competitive edge and defend it. Many options exist for counseling expanding the scale and scope of the business, and these options are unique to the enterprise and its team. Value can be extracted from the business in a number of ways either through a positive harvest event—a sale—or by Foreclosure Essay, scaling down or liquidating. The context is favorable with respect to both the regulatory and the macro-economic environments. Humanism? Risk is understood, and Ideas to Help the team has considered ways to mitigate the impact of difficult events. In short, great businesses have the four parts of the framework completely covered. If only reality were so neat. When I receive a business plan, I always read the renaissance, résumé section first. Not because the Essay, people part of the new venture is the most important, but because without the right team, none of the other parts really matters. I read the résumés of the venture’s team with a list of questions in mind. (See the insert “Who Are These People, Anyway?”) All these questions get at the same three issues about the venture’s team members: What do they know?

Whom do they know? and How well are they known? Fourteen “Personal” Questions Every Business Plan Should Answer. Where are the communication 6 stages, founders from? Where have they been educated? Where have they worked—and for whom? What have they accomplished—professionally and personally—in the past? What is their reputation within the business community? What experience do they have that is directly relevant to the opportunity they are pursuing? What skills, abilities, and knowledge do they have? How realistic are they about the venture’s chances for success and to Help Avoid Foreclosure Essay the tribulations it will face? Who else needs to be on the team?

Are they prepared to recruit high-quality people? How will they respond to adversity? Do they have the mettle to make the inevitable hard choices that have to be made? How committed are they to hoover jeff this venture? What are their motivations? What and whom they know are matters of insight and experience.

How familiar are the team members with industry players and dynamics? Investors, not surprisingly, value managers who have been around the block a few times. A business plan should candidly describe each team member’s knowledge of the to Help Avoid, new venture’s type of product or service; its production processes; and personal narrative outline the market itself, from competitors to customers. It also helps to indicate whether the team members have worked together before. Not played—as in Ideas Essay roomed together in college—but worked . Investors also look favorably on a team that is known because the real world often prefers not to deal with start-ups. They’re too unpredictable.

That changes, however, when the new company is 6 stages, run by people well known to suppliers, customers, and Ideas Avoid Foreclosure employees. Personal Narrative? Their enterprise may be brand new, but they aren’t. The surprise element of working with a start-up is Ideas Avoid Foreclosure Essay, somewhat ameliorated. Finally, the people part of a business plan should receive special care because, simply stated, that’s where most intelligent investors focus their attention. A typical professional venture-capital firm receives approximately 2,000 business plans per cycle 6 stages year. These plans are filled with tantalizing ideas for new products and services that will change the world and reap billions in the process—or so they say.

But the fact is, most venture capitalists believe that ideas are a dime a dozen: only execution skills count. As Arthur Rock, a venture capital legend associated with the formation of such companies as Apple, Intel, and Ideas Foreclosure Essay Teledyne, states, “I invest in people, not ideas.” Rock also has said, “If you can find good people, if they’re wrong about the humanism definition, product, they’ll make a switch, so what good is it to understand the product that they’re talking about in Foreclosure the first place?” Business plan writers should keep this admonition in humanism definition renaissance mind as they craft their proposal. Talk about the people—exhaustively. Avoid Foreclosure Essay? And if there is nothing solid about communication 6 stages their experience and abilities to to Help herald, then the entrepreneurial team should think again about launching the venture. When it comes to the opportunity itself, a good business plan begins by focusing on two questions: Is the total market for hoover jeff the venture’s product or service large, rapidly growing, or both? Is the industry now, or can it become, structurally attractive? Entrepreneurs and investors look for large or rapidly growing markets mainly because it is often easier to obtain a share of a growing market than to to Help Foreclosure fight with entrenched competitors for 6 stages a share of a mature or stagnant market.

Smart investors, in fact, try hard to identify high-growth-potential markets early in their evolution: that’s where the to Help Avoid Foreclosure, big payoffs are. And, indeed, many will not invest in a company that cannot reach a significant scale (that is, $ 50 million in annual revenues) within five years. HBR Guide to Building Your Business Case Ebook + Tools. As for attractiveness, investors are obviously looking for markets that actually allow businesses to make some money. Communication Cycle 6 Stages? But that’s not the no-brainer it seems. In the late 1970s, the computer disk-drive business looked very attractive. The technology was new and exciting. Dozens of companies jumped into the fray, aided by an army of professional investors. Twenty years later, however, the thrill is gone for managers and investors alike. Disk drive companies must design products to meet the perceived needs of original equipment manufacturers (OEMs) and end users.

Selling a product to OEMs is Ideas to Help Avoid, complicated. The customers are large relative to most of cycle, their suppliers. There are lots of competitors, each with similar high-quality offerings. Moreover, product life cycles are short and ongoing technology investments high. The industry is subject to Ideas to Help Foreclosure Essay major shifts in technology and customer needs. Intense rivalry leads to lower prices and, hence, lower margins. In short, the adlerian counseling, disk drive industry is Ideas Avoid Essay, simply not set up to make people a lot of money; it’s a structural disaster area.

The information services industry, by contrast, is 6 stages, paradise. Ideas Foreclosure Essay? Companies such as Bloomberg Financial Markets and First Call Corporation, which provide data to the financial world, have virtually every competitive advantage on their side. First, they can assemble or create proprietary content—content that, by the way, is adlerian, like life’s blood to Ideas Foreclosure thousands of money managers and stock analysts around the personal narrative, world. And although it is often expensive to develop the service and to acquire initial customers, once up and running, these companies can deliver content to customers very cheaply. Also, customers pay in advance of receiving the Ideas Essay, service, which makes cash flow very handsome, indeed. In short, the structure of the information services industry is definition, beyond attractive: it’s gorgeous. The profit margins of to Help Foreclosure Essay, Bloomberg and First Call put the blue, disk drive business to shame. The Opportunity of a Lifetime—or Is It? Nine Questions About the Essay, Business Every Business Plan Should Answer. Who is the new venture’s customer? How does the customer make decisions about buying this product or service?

To what degree is the personal outline, product or service a compelling purchase for the customer? How will the product or service be priced? How will the Avoid Essay, venture reach all the identified customer segments? How much does it cost (in time and resources) to acquire a customer? How much does it cost to communication produce and Ideas to Help Foreclosure deliver the outline, product or service? How much does it cost to support a customer? How easy is it to retain a customer? Thus, the first step for Foreclosure Essay entrepreneurs is to make sure they are entering an industry that is definition, large and/or growing, and one that’s structurally attractive. The second step is to make sure their business plan rigorously describes how this is the case. And if it isn’t the to Help Avoid, case, their business plan needs to specify how the venture will still manage to make enough of a profit that investors (or potential employees or suppliers, for that matter) will want to participate.

Once it examines the new venture’s industry, a business plan must describe in detail how the company will build and launch its product or service into the marketplace. Again, a series of questions should guide the discussion. (See the insert “The Opportunity of definition renaissance, a Lifetime—or Is It?”) Often the answers to Avoid Foreclosure these questions reveal a fatal flaw in the business. I’ve seen entrepreneurs with a “great” product discover, for example, that it’s simply too costly to find customers who can and will buy what they are selling. Economically viable access to customers is the blue fugates pictures, key to business, yet many entrepreneurs take the Field of Dreams approach to this notion: build it, and they will come. Ideas To Help Avoid Foreclosure Essay? That strategy works in the narrator lad? the movies but is not very sensible in the real world. It is not always easy to answer questions about the likely consumer response to new products or services. The market is as fickle as it is unpredictable. (Who would have guessed that plug-in room deodorizers would sell?) One entrepreneur I know proposed to introduce an Ideas to Help Essay, electronic news-clipping service.

He made his pitch to a prospective venture-capital investor who rejected the plan, stating, “I just don’t think the dogs will eat the dog food.” Later, when the entrepreneur’s company went public, he sent the venture capitalist an adlerian, anonymous package containing an empty can of dog food and a copy of his prospectus. Foreclosure? If it were easy to predict what people will buy, there wouldn’t be any opportunities. The market is larry, as fickle as it is unpredictable. Who would have guessed that plug-in room deodorizers would sell? Similarly, it is tough to guess how much people will pay for something, but a business plan must address that topic. To Help Avoid Essay? Sometimes, the dogs will eat the dog food, but only at a price less than cost. Jeff Fort? Investors always look for opportunities for value pricing—that is, markets in Avoid Foreclosure which the costs to produce the product are low, but consumers will still pay a lot for it. No one is fugates pictures, dying to to Help Avoid invest in a company when margins are skinny. Still, there is fugates, money to be made in inexpensive products and services—even in commodities. Ideas To Help Foreclosure Essay? A business plan must demonstrate that careful consideration has been given to the new venture’s pricing scheme. The list of questions about the new venture’s opportunity focuses on the direct revenues and the costs of pictures, producing and marketing a product.

That’s fine, as far as it goes. A sensible proposal, however, also involves assessing the business model from a perspective that takes into account the investment required—that is, the balance sheet side of the equation. The following questions should also be addressed so that investors can understand the cash flow implications of pursuing an opportunity: When does the business have to Essay buy resources, such as supplies, raw materials, and people? When does the business have to pay for them? How long does it take to acquire a customer? How long before the customer sends the business a check? How much capital equipment is required to support a dollar of sales? Investors, of course, are looking for businesses in which management can buy low, sell high, collect early, and pay late. The business plan needs to spell out counseling, how close to that ideal the new venture is expected to come. Even if the answer is “not very”—and it usually is—at least the truth is out there to to Help Essay discuss.

The opportunity section of humanism definition renaissance, a business plan must also bring a few other issues to the surface. First, it must demonstrate and analyze how an to Help, opportunity can grow—in other words, how the new venture can expand its range of products or services, customer base, or geographic scope. Often, companies are able to create virtual pipelines that support the economically viable creation of new revenue streams. In the publishing business, for example, Inc. magazine has expanded its product line to include seminars, books, and videos about entrepreneurship. Similarly, building on the success of its personal-finance software program Quicken, Intuit now sells software for electronic banking, small-business accounting, and tax preparation, as well as personal-printing supplies and on-line information services—to name just a few of its highly profitable ancillary spin-offs. Now, lots of business plans runneth over on the subject of the new venture’s potential for growth and expansion. But they should likewise runneth over in explaining how they won’t fall into some common opportunity traps. Personal Narrative Outline? One of those has already been mentioned: industries that are at their core structurally unattractive.

But there are others. The world of invention, for example, is fraught with danger. Over the past 15 years, I have seen scores of individuals who have devised a better mousetrap—newfangled creations from inflatable pillows for use on airplanes to automated car-parking systems. Few of these idea-driven companies have really taken off, however. Foreclosure Essay? I’m not entirely sure why. Sometimes, the inventor refuses to spend the money required by blue fugates, or share the rewards sufficiently with the business side of the company. Other times, inventors become so preoccupied with their inventions they forget the customer.

Whatever the to Help Avoid Essay, reason, better-mousetrap businesses have an uncanny way of malfunctioning. Another opportunity trap that business plans—and entrepreneurs in general—need to pay attention to is the tricky business of arbitrage. Basically, arbitrage ventures are created to humanism take advantage of some pricing disparity in the marketplace. Ideas To Help Avoid Foreclosure Essay? MCI Communications Corporation, for personal instance, was formed to offer long-distance service at a lower price than ATT. Some of the industry consolidations going on today reflect a different kind of arbitrage—the ability to buy small businesses at a wholesale price, roll them up together into a larger package, and take them public at a retail price, all without necessarily adding value in the process. Whatever the reason, better-mousetrap businesses have an uncanny way of Ideas to Help Avoid Essay, malfunctioning. Taking advantage of arbitrage opportunities is of a. e. housman's of poems a shropshire, a viable and potentially profitable way to enter a business. In the final analysis, however, all arbitrage opportunities evaporate. It is not a question of whether, only Foreclosure when. The trick in these businesses is to use the arbitrage profits to adlerian build a more enduring business model, and business plans must explain how and when that will occur.

As for Ideas Essay competition, it probably goes without saying that all business plans should carefully and thoroughly cover this territory, yet some don’t. That is a glaring omission. For starters, every business plan should answer the following questions about the competition: Who are the new venture’s current competitors? What resources do they control? What are their strengths and who was of a. e. housman's famous collection weaknesses? How will they respond to the new venture’s decision to enter the business? How can the new venture respond to its competitors’ response? Who else might be able to observe and exploit the same opportunity?

Are there ways to co-opt potential or actual competitors by forming alliances? Business is like chess: to be successful, you must anticipate several moves in advance. A business plan that describes an insuperable lead or a proprietary market position is by definition written by naïve people. That goes not just for the competition section of the to Help Foreclosure, business plan but for the entire discussion of the opportunity. All opportunities have promise; all have vulnerabilities. A good business plan doesn’t whitewash the latter. Jeff? Rather, it proves that the entrepreneurial team knows the good, the bad, and to Help Avoid Essay the ugly that the venture faces ahead. Opportunities exist in a context. At one level is the macroeconomic environment, including the humanism definition renaissance, level of Ideas to Help Avoid, economic activity, inflation, exchange rates, and interest rates. At another level are the wide range of government rules and personal narrative outline regulations that affect the opportunity and how resources are marshaled to exploit it. Examples extend from tax policy to the rules about raising capital for a private or public company.

And at to Help Foreclosure, yet another level are factors like technology that define the cycle 6 stages, limits of what a business or its competitors can accomplish. Context often has a tremendous impact on every aspect of the entrepreneurial process, from identification of opportunity to to Help Avoid Essay harvest. In some cases, changes in who was the narrator famous of poems some contextual factor create opportunity. More than 100 new companies were formed when the airline industry was deregulated in the late 1970s. The context for financing was also favorable, enabling new entrants like People Express to go to the public market for capital even before starting operations. Conversely, there are times when the context makes it hard to start new enterprises. The recession of the early 1990s combined with a difficult financing environment for new companies: venture capital disbursements were low, as was the amount of capital raised in the public markets. (Paradoxically, those relatively tight conditions, which made it harder for new entrants to get going, were associated with very high investment returns later in the 1990s, as capital markets heated up.) Sometimes, a shift in context turns an unattractive business into an attractive one, and vice versa. Consider the case of a packaging company some years ago that was performing so poorly it was about to be put on the block. To Help? Then came the Tylenol-tampering incident, resulting in multiple deaths.

The packaging company happened to have an efficient mechanism for installing tamper-proof seals, and in narrative a matter of weeks its financial performance could have been called spectacular. Conversely, U.S. tax reforms enacted in 1986 created havoc for companies in Ideas Avoid Essay the real estate business, eliminating almost every positive incentive to invest. Many previously successful operations went out of business soon after the new rules were put in place. Every business plan should contain certain pieces of renaissance, evidence related to context. First, the Ideas Avoid, entrepreneurs should show a heightened awareness of the new venture’s context and how it helps or hinders their specific proposal. Second, and fort more important, they should demonstrate that they know the venture’s context will inevitably change and describe how those changes might affect the business. Further, the Ideas Avoid Foreclosure Essay, business plan should spell out what management can (and will) do in the event the 6 stages, context grows unfavorable. Finally, the business plan should explain the ways (if any) in which management can affect context in a positive way. For example, management might be able to have an Ideas to Help Foreclosure, impact on regulations or on industry standards through lobbying efforts. The concept that context is fluid leads directly to the fourth leg of the framework I propose: a discussion of risk and how to manage it. I’ve come to think of a good business plan as a snapshot of an event in the future.

That’s quite a feat to begin with—taking a picture of the unknown. But the best business plans go beyond that; they are like movies of the future. They show the people, the opportunity, and outline the context from multiple angles. Ideas Avoid Essay? They offer a plausible, coherent story of what lies ahead. They unfold possibilities of action and reaction. Good business plans, in other words, discuss people, opportunity, and context as a moving target. All three factors (and the relationship among them) are likely to narrative change over time as a company evolves from Ideas to Help start-up to ongoing enterprise. Therefore, any business plan worth the time it takes to write or read needs to focus attention on the dynamic aspects of the entrepreneurial process. When it comes to humanism definition renaissance the matter of risk and reward in a new venture, a business plan benefits enormously from the inclusion of two graphs.

Perhaps graphs is the Ideas to Help Avoid Essay, wrong word; these are really just schematic pictures that illustrate the most likely relationship between risk and reward, that is, the relationship between the opportunity and its economics. High finance they are not, but I have found both of these pictures say more to investors than a hundred pages of charts and prose. The first picture depicts the amount of money needed to launch the new venture, time to positive cash flow, and the expected magnitude of the payoff. This image helps the investor understand the depth and who was the narrator e. housman's a shropshire lad? duration of negative cash flow, as well as the relationship between the investment and the possible return. Avoid Foreclosure? The ideal, needless to communication cycle 6 stages say, is to have cash flow early and often. But most investors are intrigued by the picture even when the cash outflow is high and long—as long as the cash inflow is more so. Of course, since the world of new ventures is populated by wild-eyed optimists, you might expect the picture to display a shallower hole and a steeper reward slope than it should.

It usually does. But to be honest, even that kind of picture belongs in Ideas to Help Essay the business plan because it is a fair warning to investors that the new venture’s team is completely out of touch with reality and should be avoided at all costs. The second picture complements the first. It shows investors the humanism definition renaissance, range of possible returns and the likelihood of Avoid Foreclosure, achieving them. The following example shows investors that there is the narrator of a. e. housman's famous collection of poems lad?, a 15 % chance they would have been better off using their money as wall-paper. The flat section reveals that there is a negligible chance of losing only a small amount of money; companies either fail big or create enough value to achieve a positive return. The hump in the middle suggests that there is to Help Foreclosure, a significant chance of earning between 15 % and personal 45 % in the same time period. And finally, there is a small chance that the initial outlay of cash will spawn a 200 % internal rate of Ideas to Help Avoid Essay, return, which might have occurred if you had happened to invest in Microsoft when it was a private company. Basically, this picture helps investors determine what class of investment the business plan is presenting. Is the who was the narrator e. housman's famous of poems, new venture drilling for Ideas to Help Foreclosure Essay North Sea oil—highly risky with potentially big payoffs—or is adlerian counseling, it digging development wells in Texas, which happens to be less of a geological gamble and probably less lucrative, too? This image answers that kind of question.

It’s then up to the investors to decide how much risk they want to live with against what kind of odds. Again, the people who write business plans might be inclined to skew the picture to make it look as if the Foreclosure Essay, probability of a significant return is downright huge and the possibility of loss is definition, negligible. Ideas To Help Avoid Essay? And, again, I would say therein lies the picture’s beauty. What it claims, checked against the investor’s sense of reality and experience, should serve as a simple pictorial caveat emptor. Of course, the future is hard to predict. Blue Pictures? Still, it is possible to Ideas Foreclosure Essay give potential investors a sense of the kind and class of risk and reward they are assuming with a new venture. All it takes is a pencil and two simple drawings. (See the insert “Visualizing Risk and Reward.”) But even with these drawings, risk is, well, risky.

In reality, there are no immutable distributions of outcomes. It is ultimately the responsibility of management to change the distribution, to increase the likelihood and consequences of success, and to decrease the likelihood and implications of problems. One of the great myths about blue entrepreneurs is that they are risk seekers. All sane people want to avoid risk. As Harvard Business School professor (and venture capitalist) Howard Stevenson says, true entrepreneurs want to capture all the reward and give all the risk to others. The best business is a post office box to which people send cashier’s checks.

Yet risk is unavoidable. So what does that mean for a business plan? It means that the Ideas, plan must unflinchingly confront the risks ahead—in terms of people, opportunity, and context. What happens if one of the larry, new venture’s leaders leaves? What happens if a competitor responds with more ferocity than expected?

What happens if there is a revolution in to Help Foreclosure Namibia, the source of blue fugates, a key raw material? What will management actually do ? Those are hard questions for an entrepreneur to pose, especially when seeking capital. Ideas To Help Foreclosure? But a better deal awaits those who do pose them and then provide solid answers. A new venture, for example, might be highly leveraged and therefore very sensitive to interest rates. Its business plan would benefit enormously by stating that management intends to larry hoover jeff hedge its exposure through the financial-futures market by purchasing a contract that does well when interest rates go up. That is the equivalent of Ideas Avoid Foreclosure, offering investors insurance. (It also makes sense for the business itself.) Finally, one important area in the realm of risk/reward management relates to harvesting. Venture capitalists often ask if a company is “IPOable,” by which they mean, Can the company be taken public at some point in pictures the future? Some businesses are inherently difficult to take public because doing so would reveal information that might harm its competitive position (for example, it would reveal profitability, thereby encouraging entry or angering customers or suppliers). Some ventures are not companies, but rather products—they are not sustainable as independent businesses. One of the greatest myths about entrepreneurs is that they are risk seekers.

All sane people want to to Help Avoid Foreclosure avoid risk. Therefore, the business plan should talk candidly about the blue, end of the process. How will the Ideas to Help Foreclosure Essay, investor eventually get money out communication cycle, of the business, assuming it is successful, even if only marginally so? When professionals invest, they particularly like companies with a wide range of Ideas Essay, exit options. They like companies that work hard to preserve and enhance those options along the way, companies that don’t, for example, unthinkingly form alliances with big corporations that could someday actually buy them. Investors feel a lot better about risk if the venture’s endgame is discussed up front. The Narrator E. Housman's Collection A Shropshire? There is an old saying, “If you don’t know where you are going, any road will get you there.” In crafting sensible entrepreneurial strategies, just the opposite is true: you had better know where you might end up and have a map for getting there.

A business plan should be the place where that map is drawn, for, as every traveler knows, a journey is Ideas to Help Foreclosure, a lot less risky when you have directions. Once a business plan is humanism renaissance, written, of to Help Essay, course, the goal is to land a deal. That is a topic for another article in itself, but I will add a few words here. When I talk to young (and old) entrepreneurs looking to finance their ventures, they obsess about the valuation and terms of the deal they will receive. Their explicit goal seems to be to minimize the fugates, dilution they will suffer in raising capital. Implicitly, they are also looking for investors who will remain as passive as a tree while they go about building their business. On the food chain of investors, it seems, doctors and dentists are best and Ideas Avoid Essay venture capitalists are worst because of the degree to which the latter group demands control and a large share of the returns. That notion—like the idea that excruciatingly detailed financial projections are useful—is nonsense. From whom you raise capital is often more important than the terms.

New ventures are inherently risky, as I’ve noted; what can go wrong will. When that happens, unsophisticated investors panic, get angry, and often refuse to advance the company more money. Sophisticated investors, by contrast, roll up their sleeves and personal outline help the company solve its problems. Often, they’ve had lots of experience saving sinking ships. To Help Foreclosure? They are typically process literate. They understand how to craft a sensible business strategy and outline a strong tactical plan.

They know how to recruit, compensate, and motivate team members. They are also familiar with the Byzantine ins and outs of Essay, going public—an event most entrepreneurs face but once in a lifetime. This kind of know-how is 6 stages, worth the money needed to buy it. There is an old expression directly relevant to entrepreneurial finance: “Too clever by half.” Often, deal makers get very creative, crafting all sorts of Ideas to Help Foreclosure Essay, payoff and option schemes. Narrative Outline? That usually backfires. My experience has proven again and again that sensible deals have the following six characteristics: They do not blow apart if actual differs slightly from plan. They do not provide perverse incentives that will cause one or both parties to behave destructively. They are written on a pile of Ideas to Help, papers no greater than one-quarter inch thick.

But even these six simple rules miss an important point. A deal should not be a static thing, a one-shot document that negotiates the disposition of a lump sum. Instead, it is larry hoover jeff, incumbent upon entrepreneurs, before they go searching for funding, to think about capital acquisition as a dynamic process—to figure out how much money they will need and when they will need it. How is that accomplished? The trick is for the entrepreneurial team to Ideas to Help Foreclosure Essay treat the humanism, new venture as a series of experiments. Before launching the whole show, launch a little piece of it. Avoid Foreclosure? Convene a focus group to test the product, build a prototype and who was the narrator of a. e. housman's collection a shropshire lad? watch it perform, conduct a regional or local rollout of a service.

Such an exercise reveals the true economics of the business and can help enormously in determining how much money the new venture actually requires and in what stages. Entrepreneurs should raise enough, and investors should invest enough, capital to fund each major experiment. Ideas Avoid Foreclosure Essay? Experiments, of course, can feel expensive and risky. But I’ve seen them prevent disasters and help create successes. I consider it a prerequisite of putting together a winning deal. Among the many sins committed by business plan writers is arrogance. In today’s economy, few ideas are truly proprietary. Moreover, there has never been a time in recorded history when the supply of capital did not outrace the supply of opportunity.

The true half-life of adlerian, opportunity is decreasing with the passage of time. A business plan must not be an albatross that hangs around the neck of the entrepreneurial team, dragging it into oblivion. Instead, a business plan must be a call for action, one that recognizes management’s responsibility to fix what is broken proactively and in real time. Risk is inevitable, avoiding risk impossible. Risk management is the key, always tilting the venture in favor of reward and away from risk. A plan must demonstrate mastery of the Ideas to Help Foreclosure, entire entrepreneurial process, from identification of opportunity to harvest. It is not a way to separate unsuspecting investors from their money by personal outline, hiding the fatal flaw. For in Ideas Avoid the final analysis, the only one being fooled is the entrepreneur. We live today in the golden age of entrepreneurship. Although Fortune 500 companies have shed 5 million jobs in the past 20 years, the overall economy has added almost 30 million. Many of those jobs were created by entrepreneurial ventures, such as Cisco Systems, Genentech, and Microsoft.

Each of those companies started with a business plan. Adlerian Counseling? Is that why they succeeded? There is no knowing for sure. But there is little doubt that crafting a business plan so that it thoroughly and candidly addresses the ingredients of to Help, success—people, opportunity, context, and the risk/reward picture—is vitally important. In the absence of a crystal ball, in fact, a business plan built of the blue, right information and analysis can only Ideas Avoid Foreclosure be called indispensable.

William A. Sahlman is the humanism definition renaissance, Dimitri V. D’Arbeloff-MBA Class of 1955 Professor of Business Administration at the Harvard Business School.

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Winners and Ideas to Help, Losers of AP College Basketball Top 25 Poll in Week 4. After a wild and crazy week of humanism renaissance early season tournaments, Kentucky and Villanova at Nos. 1 and 2 are just about the only things that didn't change in the Week 4 edition of college basketball's Associated Press Top 25. Indiana dropped 10 spots from No. 3 to to Help Avoid Foreclosure Essay, No. 13 while Oregon suffered a similar slide from No.

13 to No. Fort. 23. Texas, Florida State and both Michigan schools dropped out Ideas Foreclosure Essay, of the Top 25 altogether, making room for Butler, South Carolina and Florida. The biggest riser of the week, though, was Baylor. The Bears climbed 11 spots to No. 9 and even got a first-place vote after scoring a trio of key wins in the Battle 4 Atlantis. Elsewhere, the SEC, Big East and West Coast Conferences all had big weeks, but the communication cycle 6 stages, AP voters didn't show much love to the Big Ten — including one team that is inexplicably just outside the Top 25. Read on for the rest of this week's biggest winners and losers from the Avoid Essay, AP Top 25. The bottom two-thirds of the SEC are just as bad as expected. Excluding Kentucky, South Carolina, Florida and Texas AM, the conference is a combined 1-15 against KenPom Top 80 teams. Auburn's 67-65 win over Texas Tech was the one exception to the rule, but the other SEC teams have made up for that result by losing four more games to teams outside the KenPom Top 80.

Contrary to what was advertised, though, the personal narrative outline, SEC is more than just Kentucky and a bunch of dreck. The Wildcats are still No. 1 in the AP Top 25 and are clearly the to Help, class of the conference, but it's clear from fort, Feast Week that there are a few teams hungry to catch them. South Carolina had the most impressive showing, downing both No. 25 Michigan and No. 18 Syracuse by double-digit margins to improve to 6-0.

Though the Foreclosure Essay, Gamecocks lost the entirety of their starting frontcourt from last season, interior defense was the key to those victories. The Wolverines and Orange shot a combined 29.1 percent from inside the arc, while each were held to what was their worst scoring output of the season by far. Fugates Pictures. For the pair of wins, South Carolina debuts in the AP Top 25 at No. 20. Elsewhere, Florida looked good in Ideas Foreclosure Essay the Advocare Invitational after beginning the week with a 17-point win over Belmont. The Gators bested both Seton Hall and Miami for neutral-court victories that should only humanism renaissance look better as the season progresses. They also put up one heck of a fight against Gonzaga before letting their lead slip away in the final 10 minutes. As a result, Florida jumped into this week's poll at No. Ideas To Help Foreclosure. 24. And while they didn't get any votes for beating Virginia Tech and narrowly losing to UCLA, Texas AM made a statement in the Wooden Legacy that it needs to be taken seriously. Fugates. Between Robert Williams and Tyler Davis, the Aggies have one of the better frontcourts in the nation.

If and when they figure out their point guard situation, they'll be able to give Kentucky a run for Essay, its money. It's a good thing the Detroit Lions won their annual Thanksgiving Day football game, because it was not a great week for personal narrative outline, collegiate athletics in Avoid Foreclosure the state of Michigan. On the gridiron, Michigan State was stomped by Penn State and Michigan lost to fugates pictures, Ohio State — though its fans are refusing to accept the result of the game. And on the hardwood, things didn't go much better for Avoid Foreclosure Essay, the Spartans or Wolverines. Tom Izzo's guys acquired their third loss of the season in a 73-58 Battle 4 Atlantis showdown with Baylor. The Narrator E. Housman's Famous A Shropshire. Johnathan Motley terrorized MSU's lack of to Help Avoid Essay a frontcourt to communication cycle, the tune of 26 points. Avoid Foreclosure. Fellow big man Jo Lual-Acuil got in on the action, too, with 14 points and eight rebounds. The freshmen on communication 6 stages this team will continue to get better, but it would be nice if they could get taller. The Spartans will remain susceptible to abuse in to Help Essay the paint at least until Gavin Schilling returns from knee surgery. John Beilein's team also took a 15-point beating from a team that did not receive a single vote in the preseason AP Top 25. Michigan's offense was firing on all cylinders in wins over SMU and Marquette two weeks ago, but the Wolverines could not buy a bucket in a 61-46 loss to the Gamecocks.

They shot 8-of-26 from two-point range and 2-of-26 from beyond the arc for an overall field-goal percentage of 19.2. Game logs on fugates pictures Sports-Reference only to Help Avoid Foreclosure Essay go back to who was of a. e. housman's famous of poems, the 2010-11 season, so we can't see a full history, but Michigan's worst field-goal percentage in a game in the past six seasons was 30.2. Suffice it to say, it wasn't the best offensive performance the Wolverines have ever had. Michigan State and Michigan were Nos. Avoid Essay. 24 and 25, respectively, in last week's AP Top 25, but neither one is even sniffing the adlerian counseling, Top 25 this week. The SEC gets a Winner slide for showing signs of life beyond Kentucky, but the Big East was the biggest winner of the week for having two more teams win early-season tournaments while looking the part of a Final Four contender. We were already impressed by Villanova and Xavier in Ideas to Help Avoid Foreclosure Essay the Charleston Classic and Tire Pros Invitational. They each played just one game this week with the humanism definition renaissance, Wildcats beating Charleston and the Musketeers feasting on Northern Iowa. Villanova remains at No. 2 in to Help Avoid the rankings while Xavier climbed two spots to cycle 6 stages, No. 7.

Last Monday, Creighton put the to Help Foreclosure Essay, finishing touches on its Paradise Jam title, beating Ole Miss by an 86-77 margin. The Bluejays shot an absurd 16-of-26 from three-point range to counseling, solidify their status as the best shooting team in the country. With further help from a 30-point win over Essay, Loyola (MD), Creighton jumped from No. 12 to fugates pictures, No. 10. A one-week stint at Ideas to Help Avoid Foreclosure No. 9 late in blue fugates Doug McDermott's senior season is the Ideas to Help Essay, only time in school history they have been ranked higher. The biggest fireworks, though, came from Butler, which won the Las Vegas Invitational by beating Vanderbilt and Arizona — this after beating Norfolk State by a 36-point margin to begin the week. Freshmen Kamar Baldwin and Sean McDermott played crucial roles off the bench while Chris Holtmann's defense shut down the personal, Commodores and Wildcats.

What's most ridiculous about Butler's hot start is that George Washington transfer Kethan Savage is just now getting into the action. He missed the Ideas, first four games of the season while recovering from pneumonia and only played 17 minutes in Las Vegas, but he was expected to be a key part of this Bulldogs rotation. They're already quite good, and they're going to renaissance, get better once he's at full strength. Butler makes its debut in the AP Top 25 at No. 18, giving the Big East as many Top 20 teams as the ACC has. The ACC is Ideas to Help Foreclosure Essay, still the much deeper conference, but who could have guessed the Big East's top four would be hanging right with the ACC's? With Dillon Brooks still not quite back to 6 stages, full strength, neither is Oregon. Brooks returned to the floor for the Maui Invitational and put up impressive numbers, averaging 24.3 points, 5.0 rebounds and 5.0 assists per 40 minutes. But he came off the Ideas to Help Avoid Essay, bench in all three games and only averaged 18.7 minutes, which wasn't nearly enough. In the opener against Georgetown, the Ducks dug themselves a massive hole, trailing by 17 at halftime.

Even though the Hoyas scored a grand total of four points in the first 11 minutes of the second half, Oregon wasn't quite able to pull off the narrative outline, come-from-behind win against a 1-2 team that entered the to Help Avoid, Maui Invitational fresh off a home loss to Arkansas State. Booted to the consolation half of the bracket, the Ducks narrowly averted yet another disaster against Tennessee. They committed 20 turnovers, shot poorly from the field and were somehow out-rebounded by a team that was previously out-rebounded by Appalachian State. Oregon got the win, but needing overtime to beat the Volunteers was almost uglier than actually losing to Georgetown. Even in the fifth-place game against Connecticut, the Ducks didn't look great. Humanism Definition Renaissance. They jumped out to an early 30-9 lead, but they were outscored by 11 points the rest of the way by a Huskies team that has been unarguably the most disappointing in the nation in Ideas Avoid Essay the opening weeks of the 2016-17 season. Chris Boucher and Tyler Dorsey were great, but Oregon still committed too many turnovers and struggled to defend the paint.

There's no beating around the bush here: Oregon is not good right now. And it dropped from No. 13 to No. 23 in this week's AP Top 25 as a result. Getting Brooks back to fort, 30 minutes per game in the starting lineup will help, but with guys like Tennessee's John Fulkerson putting up big numbers against Ideas Foreclosure Essay, the Ducks, it might take more than that. I don't know what the old record was for fewest number of weeks between receiving zero votes of any kind in the preseason AP Top 25 and receiving at least one first-place vote, but thanks to AP voter Jon Wilner, there's a good chance Baylor just shattered that record. The Bears debuted at No. 20 in last week's poll after smoking Oregon.

They were on the rise again this week, climbing all the way to No. 9 after beating VCU, Michigan State and Louisville to win the Battle 4 Atlantis. It's not even December yet, but it's a foregone conclusion that no team in blue fugates pictures the country will enter Selection Sunday with four better non-conference wins than Baylor already has. Johnathan Motley was the unofficial national MVP of the week. To Help Foreclosure Essay. He averaged 20.0 points and 7.3 rebounds in communication cycle the Battle 4 Atlantis and was the Avoid Foreclosure Essay, go-to guy for the Bears for three straight days. Adlerian Counseling. He was particularly unstoppable against Michigan State, but even Louisville — which annually has one of the best defenses in the nation and to Help Foreclosure Essay, has the necessary pieces in the frontcourt to stifle an opposing power forward — couldn't slow him down. It wasn't just Motley, though. His whole Crue made major contributions.

Manu Lecomte and Al Freeman both had huge games against VCU. Jo Lual-Acuil is still averaging better than 4.0 blocks per game on the season after rejecting six Louisville field-goal attempts. Terry Maston and King McClure were incredible off the counseling, bench against the Cardinals. And Ish Wainright nearly messed around and dropped a triple-double on Michigan State. Everyone that steps on the court is making a positive impact for Baylor. We've seen plenty of teams fizzle out after hot starts before, but this feels more like the type of November Xavier had last year before flirting with a No. 1 seed in the NCAA tournament. To Help Avoid Foreclosure. Thus, it's fitting that the Bears will have another big non-conference test this weekend against the Musketeers. Win that one and definition, there will be even more voters that start out Ideas to Help Avoid Foreclosure Essay, their Week 5 ballots with Baylor at No. 1.

If you've ever wondered why title contenders don't play more true road games during the non-conference portion of the season, Indiana gave an emphatic demonstration this week by losing at Fort Wayne. The Mastodons aren't a bad team. Who Was The Narrator E. Housman's Famous Of Poems. John Konchar entered this season as one of the most underappreciated sophomores in the country. Between Mo Evans and Purdue transfer Bryson Scott, they have a backcourt duo that can put a ton of points on the board while wreaking havoc on defense. Ideas Avoid Foreclosure. If they earn the Summit League's auto bid, they'll be a serious threat for more upsets in the NCAA tournament. But that's a bad loss that Indiana is cycle 6 stages, going to spend the rest of the season trying to erase, as it dropped from No.

3 to No. 13 in the AP Top 25. The loss happened for three major reasons — two of which are things to watch out for Ideas to Help, going forward. First, they lost the turnover battle by a 15-8 margin. They have lost that battle in all five games and are now at minus-36 on the season. Indiana doesn't need to force 20 turnovers a game to pictures, win, but this offense is to Help Foreclosure Essay, too good to be coughing the ball up as much as it does. This is where the Hoosiers miss Yogi Ferrell the most. Second, they shot 7-of-24 from three-point range. They're 42.3 percent as a team from beyond the arc in their other four games, but that 29.2 percent stroke was a dagger against Fort Wayne. This has been the cycle, biggest question for the Hoosiers for the past two-plus years.

They shoot a ton of Ideas to Help Avoid Foreclosure Essay three-pointers and usually make better than 40 percent of them, but what's Plan B when those shots aren't falling? But the real reason Indiana lost was OG Anunoby — and famous collection lad?, this is the to Help Foreclosure, one of the blue fugates, three we aren't concerned about henceforth. In Indiana's four wins, Anunoby has averaged 14.8 points, 7.5 rebounds and Ideas to Help Avoid Essay, a combined 2.8 blocks and steals. Against Fort Wayne, though, he played 13 scoreless minutes with one rebound and one block. That cannot and should not happen again. All the good the Hoosiers did for their resume by winning the season opener against narrative, Kansas was nullified on Tuesday. They'll now need to win at least two of their three remaining non-conference games against North Carolina, Butler and Louisville to get comfortably back into the national championship conversation. Turns out it was a big week for conference winners. Ideas. We've already tackled the SEC and Big East, but the West Coast Conference is looking pretty good with Gonzaga and Saint Mary's each jumping three spots this week to Nos.

8 and communication 6 stages, 12, respectively. Gonzaga won the Advocare Invitational by to Help Avoid Foreclosure Essay, going through Quinnipiac, Florida and Iowa State. Communication. Both the Gators and Avoid Foreclosure, the Cyclones pushed the Bulldogs to the limit, but they were able to make just enough three-pointers to hang on. After a lackluster shooting performance against Quinnipiac, they were 20-of-41 from communication, downtown in the two wins over Ideas to Help Foreclosure Essay, major-conference foes. Jordan Mathews was Gonzaga's star early in the season, but he didn't do much of anything in this tourney. Rather, Nigel Williams-Goss and Josh Perkins led the way in the backcourt with Johnathan Williams III and humanism definition renaissance, Przemek Karnowski stringing together a pair of good games. Throw in the two big freshmen and Silas Melson and this is one of the Ideas to Help Foreclosure, best eight-man rotations in 6 stages the country. While Gonzaga took care of business with a team-wide assault, Saint Mary's continued its domination with one big man.

Jock Landale earned his third and fourth KenPom MVPs of the season by averaging 22.0 points and 7.5 rebounds in wins over San Jose State and UAB. The big man shot 18-of-21 from the field and to Help Avoid Essay, is quietly emerging as the most unstoppable player Saint Mary's has ever had. Emmett Naar and Calvin Hermanson also had great weeks for the Gaels, who once again have one of the most lethal offensive attacks in the nation. Wednesday's road game against definition renaissance, Stanford could be the win that pushes them even higher in the AP Top 25. This is already the first time in school history that they have been ranked better than No. 15, but they've got Top 10 in their sights. (As a sidenote, the Avoid, WCC was also responsible for the worst loss of the season to date, as BYU lost at cycle 6 stages home to Utah Valley by a 114-101 margin. Ideas To Help Essay. UVU is substantially better than its preseason 321 ranking on KenPom.com, but that could be the loss that keeps the fugates, WCC at two bids instead of three.)

Good luck trying to explain this one. Maryland opened the season at No. 25 in the AP poll. Maryland is Ideas Foreclosure Essay, one of 24 remaining undefeated teams in the country, improving to 7-0 with wins over Richmond and Kansas State in the Barclays Center Classic this weekend. Yet, the Terrapins are unranked in this week's poll. Granted, most of their wins were by the skin of their teeth. They needed second-half comebacks to beat American, Georgetown and Towson before this week and just barely escaped with wins over the Spiders and the Wildcats in Brooklyn. But how do you justify vaulting Florida ahead of Maryland and into the Top 25 when the Gators lost a game this week?

And if barely beating mediocre opponents is a problem for AP voters, what in the world is Oregon still doing in the Top 25 with two losses and two ugly wins? I'm all for being a little hesitant with this young team. It's why I had the Terps as the No. 37 overall seed in the June projection of the 2017 NCAA tournament field. But if they were the consensus No.

25 team three weeks ago, what are they doing just outside the Top 25 now? Perhaps home wins over Pittsburgh and Oklahoma State would move the needle in the narrator of a. famous collection of poems a shropshire lad? the proper direction, but Maryland deserves to have a number in Ideas Avoid Foreclosure Essay front of its team name for those games. Stats are courtesy of KenPom.com and who was the narrator e. housman's collection of poems a shropshire, Sports-Reference.com. Recruiting information is courtesy of Scout. Kerry Miller covers college basketball for to Help Essay, Bleacher Report.

You can follow him on Twitter @kerrancejames.

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Free Essays on Flowers For Algernon Vs Awakenings. Literary Comparison Essay Flowers for Algernon VS Awakenings Most of us feel that we're “different” in one way or another at some point in our lives. Being different, however, is not always the “bad” thing that we sometimes imagine it to be. In fact, Charles Evans Hughes once said, “When. Flowers for Algernon is a book about Ideas to Help, a human experiment, which turns a mentally retarded individual, Charlie, in a genius in a short amount of time. Communication Cycle? Algernon is Ideas Avoid Foreclosure, a mouse, which they have tested the counseling, experiment on first. As the book begins, a major conflict of man vs . society appears. Basically its.

? Bryce Lapham Flowers and to Help Foreclosure Essay, Awakenings Essay “So I guess I did it for all the dumb people like me.” In Flowers for Algernon , the main character Charlie wanted to get smarter so he then had an communication, operation done on him and slowly became smarter! He beat the mouse Algernon in a race and eventually. ? Flowers for Algernon Flowers for to Help, Algernon , is a science fiction novel written by Daniel Keys. The story is counseling, taking place in the mid 1960’s. The text is representing a diary written by the main character, 37-year-old Charlie Gordon. Avoid Foreclosure Essay? He is uncommonly unintelligent, which influences his life, especially. mistake. Two works of literature that support the interperperation are Lorraine Hansberry's play A Raison In The Sun, and Daniel Key's novel Flowers For Algernon . In A Raison In The Sun, the character Mama relates to the quote. Mamas choice on moving to Clybone Park is a big descison for her. Clybone.

The Awakening , a fictional novel written by Kate Chopin, was written and takes place in the late 1800s. Blue Fugates? The story has a strong influence of Creole culture in New Orleans and also has ties to the women’s rights movement which was occurring during this time period. Creole people are descendants of the. the era: exposing the unfairness of the patriarchal society, and Ideas to Help, women’s search for selfhood, and their search for identity. In Chopin’s novel The Awakening , she incorporates the themes mentioned above to illustrate the veracity of life as she understood it.

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During this period, a large amount of religious revivals, also known as Revival Christianity, took place in. a religious crisis struck the English colonies in Foreclosure Essay North America and a revivalist movement called the fugates pictures, Great Awakening brought a number of colonists back to to Help Avoid Foreclosure Essay, the law of the Church. The Awakening had a great impact on American values and culture. The movement challenged traditional intellectualism, divided. example: man vs . female, man vs . nature, and man’s laws vs . the law of the gods. There is also irony during the story when the Chorus is condemning Polyneices for being arrogant, when Creon the man that they support is full of himself also. The Chorus also describes Antigone as a flower in humanism definition renaissance a metaphor. eagerness to learn. The directors of the experiment, Dr. Strauss and Professor Nemur, ask Charlie to keep a journal. Ideas To Help Avoid? The entire narrative of Flowers for Algernon is composed of the who was the narrator e. housman's collection of poems lad?, “progress reports” that Charlie writes.

Ads by Browser Extension. More Info | Hide These Ads Charlie works at Donner’s. Self-reflection Goals To recognize things for what they are To face Illusions and Ideas to Help, replace with accuracy Goals Developmental Stage Adolescence Identity vs . Role confusion Fundamentals To see (and be seen) Demon Illusion Affirmations I see with clarity I trust my insight I see my wisdom . Intelligence vs . Pictures? Popularity It might just be, that intelligence, is the way to help you get yourself to Ideas to Help Avoid Essay, where you want to be in adlerian counseling life. You shouldn’t be afraid to let your intellectual ability shine. You should embrace it in every way possible. Put yourself out there and Foreclosure, definitely do not be afraid to. Comparison of the Yellow Wall Paper and the Awakening.

Erin Feeney October 3, 2009 AP Lit Period 3 “The Yellow Wallpaper” and The Awakening The Victorian Era put great constraints on society. The social standards had an intense impact on personal the people, especially the women. Ideas To Help Avoid Foreclosure? Woman reacted in an array of ways to the male controlled era. This contrast. ?Marx vs . Durkheim: Religion An essay by Erin Olson plus commentary by Antonino Palumbo Religion and religious institutions play a powerful role in influencing a society and the lives of blue fugates pictures, its members. The sociological traditions of Marx and Durkheim view religion totally differently, yet they both. Flowers for Algernon Literary Analysis (E.Q and I.Q) ? FLOWERS FOR ALGERNON LITERARY ANALYSIS Is it possible to increase one’s intelligence without considering the moral factors and to Help Avoid Foreclosure, the impact of the environment and parenting? For many years people dreamt about making super-humans by blue pictures, changing the structure of Ideas Foreclosure, their genes. Larry? In fact their dream is becoming.

Williams uses flowers that an old Mexican lady is Avoid, carrying to symbolize Blanche`s emotional death. Adlerian? In Scene nine, the Mexican lady is chanting, “Flores, Flores, Flores, para los muertos, Flores, Flores.” This in turn, translates to flowers for the dead. By the to Help Essay, end of the humanism definition renaissance, scene the flowers are gone, Mitch`s. Flowers for Algernon- Qualities That Surpass Intelligence. Flowers for Algernon Culminating Task- Qualities That Surpass Intelligence Flowers for Algernon , is a classic novel written by Daniel Keyes a young mentally challenged man named Charlie Gordon. This book chronicles, from a first person point of view, Charlie’s mental and physical struggles. Catholicism and Mahayana Buddhism. mind was entirely opened, like the full-blown lotus flower ; the light of supreme knowledge, or the Four Truths, poured in on Ideas Avoid Essay him. He had become Buddha—the enlightened, the all-knowing—the Sarvajna.” (Olcott, 1947, p. Blue Fugates? 16-17). The Buddha’s awakening (“buddha” means “awakened one”) into pure awareness. The theme of Appearance vs . Reality in Macbeth is Ideas to Help Foreclosure Essay, apparent throughout the play.

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1. What would be your control? 1. What type of graph would be appropriate for this data set? Why? 1. Graph the data from Table 4: Water Quality vs . Fish Population (found at the beginning of this exercise). Describe what your graph looks like (you do not have to submit a picture of the actual graph. relative dominance of the gametophyte and sporophyte generations and Ideas to Help Avoid, the dependence of each group on water. Communication? 5) Identify the major parts of a flower and state their functions 6) Summarize the process of seed germination, including the role of abscisic acid. 7) Explain the role of.

Flowers for Algernon: Science as a Method of to Help Avoid Essay, Life Enhancement. In both Flowers for Algernon and The Awakening , the main characters go through a process in order to better their quality of life. In Flowers for Algernon , Charlie Gordon undergoes a procedure to triple his intelligence level. Humanism Definition? Charlie is elated to be the subject of this medical experiment. He can’t wait. Book to Film - Flowers for Algernon. Books to Film Essay - Flowers for Algernon Does your IQ have anything to do with your number of friends?

This is Ideas to Help Foreclosure, a key question explored in Flowers for Algernon , by Daniel Keys, as Charlie, the main character, investigates his relationships between friends and family. The characters and their reactions. effect for other events to occur. For example, the 13 colonies came out to have an important religious movement, which was known as the First Great Awakening . During this era, new livelier ministers such as George Whitefield and Jonathan Edwards, began to tell people that they had to have a belief or else. attitudes between a bee and a butterfly in a same situation is worth mentioning. “Bees sip honey from flowers and hum their thanks when they leave. The gaudy butterfly is sure that the flowers owe thanks to him.” On the contrast, another mention of bees and butterflies is there in regard to the appreciation. Flowers for Algernon by Daniel Keyes is 6 stages, a classic science fiction set in southeastern New York, New York City. The fictitious prose traces a man's inner psychological journey within from to Help Foreclosure a world of retardation to larry hoover jeff fort, a world of great intelligence. Narrated through a series of empirical Progress Reports. Reform Thousands of men and women, inspired by the economic progress and Foreclosure Essay, democratic spirit of the age and the religious optimism of the second great awakening believed that they could improve not just their own lives, but society as a whole.

Reform was complex and contradictory. Narrative? The first wave of reformers. (ovules) remains in the flower while the male sex cell (pollen) must join with it for Ideas Foreclosure Essay, fertilization to occur. The transfer of pollen to stigma is called pollination. Some angiosperms can therefore self-pollinate, but this is not the preferred method.

Cross-pollination between flowers mixes the personal narrative, genetic. “Skip” stops to Ideas to Help Foreclosure Essay, gazeat a rose; a rose in narrative outline brilliant red! The use of color as a symbol of change and enlightenment begins to Ideas to Help, unfold. Skip’s sexual awakening is the beginning of cycle 6 stages, a series of Ideas Foreclosure, changes that will leave Pleasantville changed forever. No longer believing that there is nothing else to discover. An Analysis of Edna Pontellier’s Position Between Diverg-Ing Female Roles in Kate Chopin’s the Awakening. analysis of Edna Pontellier’s position between diverg-ing female roles in Kate Chopin’s The Awakening Contents Contents 3 1 Introduction 4 2 The two competing female roles in The Awakening 4 2.1 The mother woman 5 2.2 The artist woman 6 3 Edna’s experiments with the adlerian counseling, two differing. Flowers for Essay, Algernon and Phenomenon Comparison-Contrast Writing Assignment Throughout the history of literature, many novels have inspired the humanism definition renaissance, creation of new separate pieces or movies.

Sometimes the expansion of the plot or theme of a previous piece can prove to become the basis of a new movie. ?Samuel Diaz Svatek AP English IV-3rd 4 October 2012 The Great Awakening Chopin’s novel, The Great Awakening , is a series of events that happen to the major character of the novel, Edna Pontellier. Ideas Avoid Essay? Edna throughout the course of her life, she experiences some event that causes her to recognize. Short Story Review: the renaissance, Chrysanthenums. rural life. Avoid? So first, she is scared to talk with the man and rejects his offer to fix her thing. He concerns on chrysanthemums, which are her favorite flowers and give information of a lady, who doesn’t have Chrysanthemums make Elisa open her heart to the outside of world like the tinker.

And thanks to the. Book vs Film Flowers for Algernon. Books have always had more of an impact on people then films have ever had. The book Flowers for Algernon is written by Daniel Keys and is an excellent piece of work. A movie quite similar to larry fort, the book is Awakenings , directed by Penny Marshall. They are both original and are about to Help Avoid Foreclosure, a human experiment. stars and you and me with it. So, forget about all the symbolism they throw at us. Ignore the the narrator of a. collection of poems a shropshire, religious imagery. Think about the problem of Good vs Evil some other time. That is all put forward as distraction only.

If we want to begin considering the Real, we must first acknowledge that everything. SCI 207 Devry-ASHFORD-Phoenix-Strayer. 1. What would be your control? 1. What type of graph would be appropriate for this data set? Why? 1. Graph the data from Table 4: Water Quality vs . Fish Population (found at the beginning of Avoid Foreclosure Essay, this exercise). Describe what your graph looks like (you do not have to submit a picture of the actual graph. of helping the mentally ill conform into society people today make sure that everyone knows that they are “different from us”.

Daniel Keyes’ “ Flowers for Algernon ” stresses the intense ridicule society places on the mentally disabled through the actions of blue fugates pictures, which Charlie Gordon, the protagonist, believes. Flowers for Algernon Symbols and to Help Avoid, Motifs. Symbols and Motifs By Amber Wang In Flowers for Algernon by Daniel Keyes, there are many motifs and symbols. According to Dictionary.com (2013), a motif is: “a recurring subject, theme, idea, etc., especially in a literary, artistic, or musical work.” On the other hand, a symbol is, according to. Flowers for Algernon and The Garden of Eden. story, Flowers for adlerian counseling, Algernon , drew on themes, patterns of events, and Ideas Avoid Foreclosure, character types from the Biblical story of the Garden of Eden. Both stories had a mutual theme: Ignorance is bliss. Both stories also shared a similar pattern of events. Charlie Gordon, the protagonist in Flowers for Algernon , and.

PROJ 598 Entire Class PROJ 598 Contract and Procurement Management. : 16) 5. Larry Hoover? (TCO A) State and elaborate five actions to improve your use of contract incentives. (Points : 20) 6. (TCO C) Describe qualitative vs . quantitative evaluation criteria. (Points : 20) Page 3 1. (TCO D) Performance-based contracts (PBC) contain five essential elements. (Points. 1. What would be your control? 1. What type of graph would be appropriate for this data set? Why? 1. Graph the data from Ideas to Help Avoid Foreclosure Essay Table 4: Water Quality vs . Fish Population (found at the beginning of communication cycle, this exercise). Describe what your graph looks like (you do not have to submit a picture of the actual graph. English 102 28 November 2008 Big City vs . Small City There are many differences between living in a big city versus living in a small city. While they are both essentially “the place you live,” the fact of the matter is that people are undecided on which is better. Living in a big city and living.

Gandhi: His Life and Message for the World. discrimination. “it has always been a mystery to me how men can feel themselves honored by the humiliation of their fellow-beings” (23) C. Boer War: British vs . Dutch; Gandhi organized ambulance corps to help British; they rejected it at first, then needed help D. Gandhi got involved in the raising of this. ? Oxi-Clean vs . Downy Oxi-Clean and Downy are both great laundry detergents, but your purchase choice ultimately depends on what you like including fragrance, price, and appearance of the ad. These choices are the biggest factors because this is what people mainly look for when they want to buy. 2013 South Park Middle School Campaign Speech: by Kobe Darjean. to produce a play, which is then shown to the other students. Another idea would be to have a Green Day where students and teachers would plant flowers and Avoid, recycle water bottle caps. “Our Grade Wall, where each grade gets a wall to decorate and it shows the artistic and fun side and leave their mark. Similarities Between Flowers for Algernon and Holes.

Similarities between Flowers for Algernon and Holes In the books, Flowers for Algernon and Holes, the characters and events are similar. Adlerian? Flowers for Algernon , written by Daniel Keyes, had many events that are similar to Ideas to Help Foreclosure Essay, Holes, written by communication, Louis Sachar, like when Charlie ran away during the convention. ? Nature VS Philosophy Robert Frost is one of the most famous and beloved poets of the nineteenth and twentieth centuries. To Help Essay? Nature is the subject of many of his poems. Although he is counseling, well educated in botany and biology and his content is factual, there is always a connection between nature and a.

Hobgoblin and Ideas to Help, Robin Goodfellow) to help him apply a magical juice from a flower called love-in-idleness, which when applied to outline, a person's eyelids while sleeping makes the victim fall in love with the first living thing seen upon awakening (due to the god of love, Cupid, shooting a love arrow at Essay, a virgin queen. Compare and adlerian, Contrast Essay “ Flowers for Ideas to Help Avoid Foreclosure, Algernon ” and Charly “ Flowers for Algernon ” and personal narrative, “Charly” have some similarities in Characters, in Setting, and in to Help Essay Plot. 1. Characters (state four similarities) • In both the movie and the book charly was not very smart and wanted to have the humanism, operation. “ Flowers for Algernon ” Persuasive Essay Many people wonder, how could I become smarter? If you were told you could increase your intelligence, would you? To increase your intelligence, there is Ideas Avoid Foreclosure Essay, a special operation on the brain to make you smarter!

However the procedure to adlerian, improve overall intelligence.

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How to Guide to Racing Resume / Sponsorship Proposal. So you want to race. Welcome to to Help Foreclosure, the club. Whether you are trying to work this out with family support, or on your own, unless you are fabulously wealthy, you have already realized that sponsorship is a must for nearly every racer on the track. In your pre-racing days you had to pay for parts to humanism definition renaissance, make your ride go as fast as your buddy's, or to Ideas Avoid Foreclosure Essay, make it easier on your bod while having fun.

As a racer, whether you are a first year amateur or a factory pro, you will have to obtain the who was the narrator collection a shropshire lad? performance modifications and Avoid Foreclosure replace product when you mess it up, on or off the track. In fact I know of quite a few times that perfectly good brand new parts have been destroyed in the process of adlerian installing them (an expensive education and a lesson in why we should read the directions that come with our new toys). Essay! The point being that your little obsession/habit of personal narrative outline racing/riding is going to be a costly adventure, but also the time of your life. Anyone that has been to a race track has noticed the stickers on the bikes and Ideas Avoid Essay haulers. These are sometimes put there because they came free in adlerian the shipment of nerfs, handlebars or in a sticker pack the rider got at the local Honda shop. If you are a sponsored rider, then the branding/stickers on your quad and hauler establish you as a part of the company that you represent. Your actions while wearing the stickers of your sponsor reflect on the sponsor as well as yourself. Sponsors consider that when choosing riders. Next question, How do I get a bunch of those stickers without paying for Ideas Avoid Essay, them or the the narrator of a. famous collection of poems a shropshire lad? parts they come with?

Answer: You do your darndest to earn sponsorship. Simple. Right? Not really. When I first got into this arena I was in the same shoes you are in right now (unless you have a marketing degree- in which case disregard the Ideas to Help Essay rest of this article).

My background had nothing to do with how to write a resume for a racer. Sure I could find examples from who was of a. e. housman's books at the library or bookstore on resumes, but none for a professional or semi-professional athlete, much less a racer. So I had to determine what to do to mix the style of resume that I would submit if was looking for a position with a secretarial pool or a teaching position and that of a professional athlete forming a `Racer's Resume'. If you are still reading this right now, you are probably one of the sponsor hungry population who are running out of time to get noticed and be considered for this season's budget from most companies. How it works: Nearly every company has a `Sponsorship Budget' in their program. Each company has a person or team of persons responsible for distributing the monies/products or a combination of both to Ideas to Help Avoid Essay, deserving athletes.

This person or team of persons is adlerian counseling, called `Rider Support'. Nearly every company that offers sponsorship has levels of sponsorship. Common levels are A, B C level support, Pro and Factory. Ideas To Help Foreclosure Essay! Support can range from a discount on adlerian counseling certain products to free products, contingency (this would be money paid for your wins at certain events) all the way to the Holy Grail of the to Help Avoid Foreclosure racer: Factory Support. Now let's get down to how to keep your resume on the top of the pile and out of the trash can. Fugates! Aside from the basics like your name, street address, city, state, zip code, home and cell phone numbers, you should also include your email. Ideas Avoid Foreclosure! A common mistake, believe it or not, is to leave out contact information. Jack Bednar, from personal Lonestar Racing, has had to dig through the trash pile before to to Help Essay, find the right envelope that a resume came in to find out how to get in touch with the cycle rider. Also necessary in your resume is a short bio of you and your riding history. Don't go into great detail of every second, third or less finishes you have had, and don't include reasons why you didn't podium at specific races.

Until you are sponsored, no one really cares why you didn't finish a race except your parents. Photos are a must. You need to include a head-shot of yourself, one of your bike and to Help Foreclosure one action shot of you at the very least. References must be listed on your resume. Adlerian! Make sure to include contact information on your references as well.

Submit your resume to the right people, during the right time frame. What this means is make sure that you address your resume to the correct department within your target sponsor. Check on the target sponsor's website or call their operator to Avoid, make sure you have the right address, right name and right time frame to submit your resume. OK, these are the larry hoover jeff fort rules. Sounds pretty easy so far. If this was all there is to it, you would not have read this far. This section is Ideas to Help Essay, more the strategy than cheat codes. Who Was The Narrator Of A. E. Housman's Famous Collection Of Poems Lad?! There aren't really `Cheat Codes' to a resume, but there are bonus points you can score.

Let's review what we have done so far. We have a basic 4 page resume. Ideas To Help Foreclosure Essay! You have included all the `regular' stuff and are following all the the narrator famous collection rules. To Help Avoid Foreclosure Essay! Now, let's get creative and find the pictures way to keep your resume on the `keep' pile of your target sponsor's desk. First of all do not even consider handwriting your resume. Make sure you use a good word-processor and spell check it. Kevin Mummuah, from Lost Creek Cycle, says, Don't expect someone to do more for you, than the Ideas to Help Avoid Foreclosure Essay effort you put into humanism renaissance your resume. I can tell how much work they put into it when I open them. The ones that haven't spent the time are obvious. Your focus should be to maximize what you can offer your potential sponsor in Essay the form of personal endorsing their product and how to communicate that you can do this to the sponsor. If you are sending resumes out to companies that you really like, then it shouldn't be too hard to express your enthusiasm for Avoid, the company and their product or to humanism, come up with ideas on Ideas to Help Essay how you would carry the message to potential customers on how awesome their products are.

Is your brain full yet? Maybe this is where you should reconsider that job at the narrator e. housman's of poems, the sawmill instead of Ideas to Help Foreclosure Essay racing. Humanism Renaissance! I know I have suggested something like this a couple of Ideas to Help Foreclosure Essay times to my racer. Beginning with your contact information review what you have there. Adlerian! Format your information with your name in bold print. This is important. If you have included your email, and I am hoping you ARE including an email, you need to keep it professional. You are asking companies to invest a serious amount of confidence in you as well as money in you to support their products and represent their company. Ideas To Help Foreclosure! If you have an email of toker420@hotmail.com or radicalrider69@yahoo.com (I don't know if these are real emails or not), it definitely gives a certain impression. Outline! Most companies have so much interest in Avoid Essay their sponsorship programs that they can throw away any potential riders that even hint of unprofessionalism. Go ahead and keep your identity nickname for chat and private messages, but obtain a professional email with your name in it like dana@danacreechracing.com or john_smith@hotmail.com either of who was of a. famous collection lad? these would be acceptable and have no unprofessional image.

A note on professionalism: if you include your cell phone number or private home number make sure that your recording is also mainstream. No radical music interludes, raps, or weird recordings. Keep it short and Avoid Foreclosure Essay sweet. People in communication rider support don't have all day to listen to your favorite tunes or you goofing off on your answering machines. Make the choice to Ideas Avoid Foreclosure, go with something grown-up, since you are asking for a grown-up gift.

Most of the Rider Support people take about adlerian 30 seconds on each resume before deciding what pile to file it in. You need to get their attention to make them even slightly interested in you in the first 10 seconds so they will put you in the `keep' pile rather than the `round' file next to Ideas Foreclosure, the desk (trash can). Start your resume with an eye catcher. What catches your eye? An action photo would be a good idea. OK, here comes the kicker: you actually need a decent action photo to put there. If you don't have some that have been professionally done, get some. Next make sure that the reader can tell it's you. Below are two examples. They are both great `action' photos but the second one is defiantly more eye-catching.

Also use good sizes but not to overwhelming and use good quality prints. After you have your resume completed don't mess it all up by communication printing on your home computer with a low color cartridge. You can have them printed in color on a laser printer for under a buck a page at the local Kinkos. Make sure that you are the focus and that action is clear. As Kevin Mummuah said, Don't send me substandard photos with ant people in them. Next you need to describe what your abilities and qualifications are. Get rid of Ideas to Help Avoid Foreclosure Essay all the descriptions of how cool you are and what people think about you. Do include action words describing what you can do. Be willing to fugates pictures, back it up.

And keep it short. Make sure to Foreclosure Essay, include a short history of your wins. Don't include every race you did or why you didn't podium or finish a particular race. If you have a photo of your pit area at a race this would be a good place to include it. Communication Cycle 6 Stages! I am thinking of Ideas Avoid Foreclosure Essay a photo of your pit area, neat, no garbage, clean well maintained quad, your tools organized and outline maybe you and your mechanic (or Dad, or your dog) standing next to your quad in full clean gear. Remember you are asking a company to be identified with your professionalism. Do you really think they will be interested in Essay being associated with someone who has no respect for their bike or surroundings?

Include where you plan to race for of a. famous collection of poems, the upcoming season. Ideas Foreclosure Essay! Just list the series that you plan to humanism definition renaissance, do in full. If you are going to Ideas Avoid Foreclosure, do something like the full GNC National schedule then include it, otherwise say you will be attending selected National events. Be realistic on where you are going to race and choose one series to focus on. Spell check. Read it aloud to someone (that usually catches something that is worded weird). Check your formatting.

Make sure you don't have lines that look. this in your resume. Do your homework. Find out exactly who to send your resume to by calling the company or looking up on their website for information on where and who to send your resume to AND make sure that you are submitting your resume in the right time frame. For instance Shift's Rider Support head, Rob Salcedo, says that they ONLY accept resumes during October 1-31 period. Blue Fugates! Any resumes that show up even one day early or one day late go straight into the garbage can. Shift gets over 300 resumes from amateur riders in the ATV discipline alone. Clancy Schmitt, from Avoid Foreclosure Essay Hiper-Technology, says they get over 500 per year. The competition is stiff for those sponsorships.

So make sure yours comes to the attention of the right person during the the narrator of a. e. housman's of poems a shropshire right time period. Spell out how you plan on earning your sponsorship. Simply `promoting my sponsors to the best of Foreclosure Essay my ability and fugates listing my sponsors on Ideas Avoid Foreclosure Essay my sign-ups' is not enough. This is EXPECTED not a perk from you. Running the sponsor's stickers and saying `Thank-You' when interviewed are also expected. Whew, now that we have that out who was the narrator e. housman's famous collection of poems a shropshire, of the way, think on what YOU can do that only you can do. Be original. Be clear on what your plans are. Spell out Avoid Essay, exactly what you would like your sponsor to do for counseling, you. Do not expect free stuff.

More realistically you can expect to receive some kind of a discount on product if you are selected for sponsorship. Many companies offer their main products at a special rate for sponsored riders. Ideas To Help Avoid Essay! If for instance you are approaching LoneStar Racing, you can let them know what products you are planning on the narrator of a. collection lad? purchasing and when you would need to make a decision on purchasing. Fasst Company said they want to see at least six things that you can do for to Help Avoid, them. Chris and Cole say, Whatever you want from this company, you need to be prepared to adlerian counseling, do double in return. References are important. Ideas Foreclosure Essay! Just like a `regular' resume, be prepared to supply the names, addresses, and phone numbers of people that have knowledge of your riding and personality.

Your school counselor could write a quick letter of support (on school letterhead) as well as be a reference, a family member, the owner of the local bike shop and other sponsors are great references. Other riders are not good references. If you can get someone who is nationally recognized to be a reference this is best. The ATV industry is communication 6 stages, quite small and many people know each other well enough to just give a quick call. If you are under 18 years old, it is absolutely imperative that you include the Ideas to Help Avoid Foreclosure Essay fact that you have family support. Even young adults will benefit from showing a strong family support system. Be prepared to show who you are, not just what you do. The Narrator Of A. E. Housman's! This is hard to accomplish in a 4 page resume but can be done. Presentation. To Help Essay! Make sure that you have a cover page, your resume, history/bio page, and a photo page. This is all standard stuff that most of the narrative Rider Support personnel that I spoke with wanted to see.

They also have some pet peeves of what is not cool to Foreclosure, them. Rob Salcedo absolutely hates those slippery covers that you get for school reports. What happens is you get a stack of them together and they all start sliding out, ending up on the floor, in the coffee etc. So binders are a big no-no. A simple staple or cover that is not slippery is good.

Have I mentioned spell checking yet? Take pride in yourself and your request. Let your potential sponsor see who you are. Biggest mistakes include: non typed or non word processed resume; slippery folders; the quote, `will promote your company to blue, the best of my ability'; large files emailed to company; too short of a resume; too long of a resume; and misspelled words. Every company that I spoke with accepted resumes in mail form. A few accepted emails, and fewer still accepted FAXed resumes. Nearly every company accepted resumes in October and November. Foreclosure Essay! A few accepted them in outline September and Ideas to Help Avoid a few accepted them in who was e. housman's famous collection December. Ideas To Help Foreclosure Essay! After January 1 no one that I spoke with would look at a resume.

Each company that I spoke with had different levels of support. Scot Denton, from Denton Racing, said they have four levels of support. Kevin Mummuah from communication Lost Creek Racing works with a lot of riders at different levels of support. Ideas To Help Avoid Essay! Lost Creek has their pros but also a large number of amateurs and adlerian counseling pros who are not even on the roster for Lost Creek, who sometimes end up getting on track support from Kevin. Hiper Technology has three levels of support. Basically most of the companies that I spoke with have different levels of increasing support the Ideas to Help longer you have been with the company or as your racing wins or popularity as an fugates pictures ATV personality increases. If you refer a customer to your sponsor, ask the customer to Avoid Essay, tell your sponsor where they found out about the product. This looks very good for fugates pictures, you and Foreclosure Essay your sponsor will remember this when it comes time to re-evaluate their budget the next year. Jack Bednar summed it up pretty well, Obviously we can't see them all ride, so we have to blue, go on Ideas Avoid Foreclosure how they present themselves to us through a resume. There are a lot of people using the Sponsorhouse system for generating a resume.

This is a great resource, and OK to use, for who was e. housman's famous lad?, a starting point. The format of the Sponsorhouse system takes care of all the basics but the Ideas to Help Avoid Foreclosure individuality is lacking and many times it seems that the humanism renaissance potential sponsor or overwhelmed Rider Support personnel are directed to a web-page to go over. Ideas Avoid Essay! Keeping in mind that the Rider Support people see so many resumes each year, do you really think they are going to be interested in of a. collection a shropshire sitting in front of to Help Avoid Foreclosure a computer surfing your webpage? Sponsorhouse is a great addition to a traditional resume that is sent out as a hard-copy to your target companies and can really help as the year goes on adlerian counseling by keeping your hard-won sponsors up to date on what is happening with you. I would not rely on Sponsorhouse to do it all for you though. If you end up getting sponsorship, and I am sure you will if you follow the tips in this article, make sure that you keep contact with your sponsors.

Even if it is a small sponsorship the first year, you need to start somewhere. Ideas To Help Avoid Essay! Cultivate your relationships and in a few years you should have a much better sponsorship, assuming you live up to fort, what you say you will do for your sponsor. Ideas Avoid Essay! Johnny Jump, from KN Engineering, says he likes to see photos of the bike with his company's stickers on it. It would be a fatal mistake to apply for a second year including a photo without your sponsor's sticker visible. Keep in mind all the riders you have seen in person, on the track, movies, magazines and on cycle 6 stages the internet. They are all potentially competing with you for the sponsor budget.

You have to sell yourself. I know this is kind of weird but basically the `you-ness' of you is all that really separates you from any other rider who applies for sponsorship. I know it feels odd but you need to bite the bullet and go for it. As an added bonus you can view Dana Creech's 2003 Resume online through his website. Have fun, ride safe and don't forget to Ideas to Help Avoid, call your Mom.