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Free Online Strategy Innovation Training | businessballs.com. Business Planning and colorado essay questions Marketing Strategy. Free business planning and soccer marketing tips, samples, examples and tools - how to write a business plan, techniques for writing a marketing strategy, strategic business plans and sales plans. Business Planning and Marketing Strategy. Table of contents. 1. business plans and marketing strategy. business plans and marketing strategy. free business planning and marketing tips, samples, examples and tools - how to write a business plan, techniques for writing a marketing strategy, strategic business plans and sales plans.
Here are tips, examples, techniques, tools and a process for writing business plans to produce effective results. This free online guide explains how to write a marketing or business strategy, a basic business plan, and bar exam essay questions a sales plan, using free templates, tools and examples, such as SWOT Analysis, PEST Analysis, the 'Ansoff Matrix' and realism thesis the 'Boston Matrix'. Separately the marketing guide offers more specific explanation and theories and tools for marketing strategy and marketing planning, including techniques and colorado bar exam questions tips for advertising, public relations (PR), press and realism thesis media publicity, sales enquiry lead generation, advertising copy-writing, internet and website marketing, etc. The sales training guide offers detailed theories and methods about questions, sales planning and selling, extending to cold calling and negotiation skills and scholarships techniques, especially relating to selling. Sometimes people use the term business plan when they are referring to a project.
It may or may not be appropriate to use the term 'business planning' for a project. Some projects are very substantial and equate to an autonomous (independent) business activity, in bar exam essay questions, which case a business plan is entirely appropriate. Other projects are smaller, perhaps limited to internal change or development, and are less likely to require a conventional business plan, and are quite adequately planned and oedipus essay managed via project management methods. Business planning terminology can be confusing because much of it is used very loosely, and can mean different things. Here is a way to understand it better: Terminology in business planning is bar exam essay, often used very loosely. When people talk and write about business planning different terms may mean the same thing, and essay a single term can mean different things. The term 'business planning' itself covers all sorts of different plans within a business, or potentially within a non-commercial organization. The words 'strategy' and colorado 'strategic' arise often in day to essay, the subject of buisness planning, although there is no actual difference between a 'business plan' and a 'strategic business plan'.
Every business plan is arguably 'strategic'. Everyone involved in planning arguably adopts a 'strategic' approach. Most businesses and plans are primarily driven or determined by market needs and aims . This increasingly applies to bar exam essay, many non-commercial activities (government services, education, health, charities, etc), whose planning processes may also be described as 'business planning', even though such organizations may not be businesses in the way we normally imagine. In such non-commercial organizations, 'business planning' might instead be called 'organizational planning', or 'operational planning', or 'annual planning' or simply 'planning'. Essentially all these terms mean the same, and increasingly the tendency is for 'business planning' to argumentative essay, become a generic (general) term to questions, refer to them. I should clarify that finance is of course a major and unavoidable aspect of on cancer biology business and organizational activities, but in terms of planning, finance is a limiting or enabling factor; finance is a means to an end, or a restriction; finance in itself is not a basis for growth or strategy. Markets/customers, product/service development, and sales, provide the only true basis for businesses to define direction, development, growth, etc., and thereby business strategy and planning.
Business planning always starts with or revisits the basic aim or need to provide products or services to customers - also called a market or 'market-place'. Consequently business plans tend first to colorado bar exam questions, look outwards, at a market, before they look inwards, at realism thesis, finance and production, etc. This means that most business plans are driven by marketing, since marketing is the function which addresses market opportunity and need, and how to colorado essay questions, fulfil it. Marketing in this sense is also called 'marketing strategy' - or more broadly 'business strategy'. In many simple, small, and/or old traditional businesses, 'marketing' is often seen instead to biology, be 'sales' or 'selling' (usually because in colorado essay, such businesses selling is the realism thesis only marketing activity), in which case a 'sales plan' may be the main driver of strategy and the business plan.
Many people use the words 'sales' or 'selling' and 'marketing' to mean the same thing - basically selling products or services to bar exam, customers, in the broadest sense. In fact, marketing refers to much wider issues than sales and selling. Essay On Cancer. Marketing involves the strategic planning of essay a business (or other organizational provider) through to every aspect of customer engagement, including market reserach, product development, branding, advertising and promotion, methods of selling, customer service, and extending to the acquisition or development of new businesses. Sales or selling is an activity within marketing, referring to the methods and processes of communicating and day to agreeing and completing the transaction (sale) with the customer. Given all this, it is hopefully easier to understand why, depending on colorado bar exam questions a person's role or standpoint or the department in which they work, 'business planning' may be referrred to in many and various ways, for on how we use life, example as 'sales planning', 'marketing planning', 'strategic planning', etc., and essay questions that all these terms might mean slightly different things, according to the situation. If there is a technically correct definition of english structure 'business planning', then perhaps we can best say that 'business planning' refers to colorado bar exam essay, the plan of the a special day to remember overall organization, or to a unit or division within an organization with responsibility for a trade or profit. A business plan technically contains and reflects the individual plans for the different functions within the whole operation, each of which may have its own detailed 'business plans', which might be called business plans, or more correctly departmental or functional plans according to their purpose, such as a marketing plan, sales plan, production plan, financial plan, etc. Additional help regarding terminology is offered by the business planning definitions below. Other definitions and explanations are offered in colorado, the business glossary, and in the shorter glossaries of the sales and biology marketing sections. Terminology will be further explained to clarify meaning and avoid confusion throughout this article.
Approached correctly, writing business plans and marketing strategy is usually simpler than first seems. Business planning may seem complex and daunting but mostly it is common sense. Marketing strategy - which often drives the aims and 'shape' of a business plan - is mostly common sense too. Business plans, and the strategy which drives them, are based on logic, or cause and effect : I want to achieve a certain result - so what will cause this to happen? Even the biggest business plan is colorado questions, effectly built on a collection of lots of causes and day to remember effects. A written business plan provides the narrative (explanation) of the numbers contained in a spreadsheet. When we see lots of bar exam questions numbers in a computer spreadsheet we can forget this, but the oedipus essay numbers are merely a reflection of scale and detail, and colorado bar exam questions of computerised calculations and modelling, etc. In fact often when we are confronted with a complex planning spreadsheet containing thousands of numbers, what we are actually being offered is a ready-made planning tool. In many cases, where business planning is a continuation of an on cancer ongoing situation, the most frightening spreadsheets can provide a very easy template for future plans, especially with a little help from a colleague in the acciounts department who understands how it all works. Ironically, a blank sheet of paper - in other words a 'new business start-up' - is colorado, usually a much more challenging starting point. It is generally more difficult to write a business plan for in everyday, a start-up business (a new business) than for an existing business.
This is because an existing business usually has computerised records of the results of past activities and trading (usually called 'accounts'). Spreadsheets are usually available showing previous years plans and actual results, which can be used as a template on questions which new plans can easily be overlaid. Writing a new business plan for essay on how, the continuation or development of essay questions such an existing situation obviously enables much of the planning to be based on existing figures, ratios, statistics, etc. New business start-up situations by their nature tend to have no previous results, so we often refer to this sort of planning as 'starting with a blank sheet of paper'. New business start-ups - especially if you are the realism thesis owner or entrepreneur - present bigger planning challenges in some respects because we have no previous records to act as a guide, but in other respects they offer wonderful opportunities to essay questions, create genuinely innovative and exciting founding principles - your own new business philosophy - on which your plans can be built and developed.
On this page there is specific guidance for realism thesis, business start-up situations. See the colorado essay questions simple business start-up principles. Depending on the constraints applying in the planning for existing continuous business activities, the principles are very similar for start-up and existing business planning. It's essentially cause-and effect, and using the computer to calculate the numbers. A slightly more detailed version is on the quick business/operational plan page. , and begins with. To explore personal direction and change (for example for early planning of self-employment or new business start-up) see the passion-to-profit exercise and essay on cancer biology template on the teambuilding exercises page. See also the simple notes about starting your own business, which to an extent also apply when you are starting a new business initiative or development inside another organisation as a new business development manager, or a similar role. Here's a free profit and loss account spreadsheet template tool (xls) for incorporating these factors and financials into a more formal phased business trading plan, which also serves as a business forecasting and reporting tool too.
Adapt it to bar exam essay, suit your purposes. Math. This plan example is also available as a PDF, see the bar exam questions Profit and realism thesis Loss Account (PL) Small Enterprise Business Plan Example (PDF). The numbers could be anything: ten times less, ten times more, a hundred times more - the principle is the same. Towards the end of this article there is also a simple template/framework for a feasibility study or justification report, such as might be required to win funding, authorisation or approval for colorado, starting a project, or the continuation of a project or group, in a commercial or voluntary situation. If you are starting a new business you might also find the tips and information about buying a franchise business to be helpful, since they cover many basic points about choice of english essay structure business activity and early planning. (Note: Some UK-English and US-English spellings differ, for example organisation/organization, colour/color.
If using these materials please adapt the spellings to suit your situation.) how to write strategic marketing plans, business plans and sales plans. People use various terms referring to the business planning process - business plans, business strategy, marketing strategy, strategic business planning, sales planning - they all cover the same basic principles. Colorado Bar Exam Essay Questions. When faced with business planning or strategy development task it's important to realism thesis, clarify exactly what is required: clarify what needs to be done rather than assume the aim from the description given to colorado, it - terms are confused and mean different things to different people. Oedipus Argumentative Essay. You'll see from the definitions below how flexible these business planning terms are. a plan - a statement of colorado bar exam questions intent - a calculated intention to organize effort and resource to achieve an a special outcome - in this context a plan is in written form, comprising explanation, justification and essay relevant numerical and financial statistical data. In a business context a plan's numerical data - costs and revenues - are normally scheduled over at least one trading year, broken down weekly, monthly quarterly and cumulatively. a business - an activity or entity, irrespective of size and autonomy, which is engaged in an activity, normally the provision of products and/or services, to produce commercial gain, extending to non-commercial organizations whose aim may or may not be profit (hence why public service sector schools and hospitals are in this context referred to as 'businesses'). business plan - this is argumentative essay, now rightly a very general and flexible term, applicable to colorado essay questions, the planned activities and aims of essay any entity, individual group or organization where effort is being converted into results , for example: a small company; a large company; a corner shop; a local window-cleaning business; a regional business; a multi-million pound multi-national corporation; a charity; a school; a hospital; a local council; a government agency or department; a joint-venture; a project within a business or department; a business unit, division, or department within another organization or company, a profit centre or cost centre within an an organization or business; the responsibility of a team or group or an individual. The business entity could also be a proposed start-up, a new business development within an existing organization, a new joint-venture, or any new organizational or business project which aims to convert action into bar exam essay questions results. Essay Structure. The extent to which a business plan includes costs and overheads activities and colorado questions resources (eg., production, research and development, warehouse, storage, transport, distribution, wastage, shrinkage, head office, training, bad debts, etc) depends on the needs of the business and the purpose of the plan. Large 'executive-level' business plans therefore look rather like a 'predictive profit and loss account', fully itemised down to the 'bottom line'.
Business plans written at business unit or departmental level do not generally include financial data outside the department concerned. Most business plans are in effect sales plans or marketing plans or departmental plans, which form the main bias of this guide. strategy - originally a military term, in a business planning context strategy/strategic means/pertains to why and english essay introduction how the essay plan will work , in relation to all factors of influence upon on cancer biology, the business entity and activity, particularly including competitors (thus the use of a military combative term), customers and colorado essay questions demographics, technology and communications. marketing - believed by scholarships, many to mean the colorado essay same as advertising or sales promotion, marketing actually means and argumentative essay covers everything from company culture and positioning, through market research, new business/product development, advertising and promotion, PR (public/press relations), and arguably all of the sales functions as well. Marketing is the process by colorado questions, which a business decides what it will sell, to whom, when and scholarships how, and then does it . marketing plan - logically a plan which details what a business will sell, to whom, when and how, implicitly including the colorado bar exam essay business/marketing strategy. The extent to essay life, which financial and colorado questions commercial numerical data is included depends on realism thesis the needs of the colorado bar exam essay questions business. The extent to which this details the sales plan also depends on the needs of the business.
sales - the transactions between the on cancer business and its customers whereby services and/or products are provided in return for payment. Sales (sales department/sales team) also describes the activities and bar exam questions resources that enable this process, and scholarships sales also describes the revenues that the business derives from the sales activities. sales plan - a plan describing, quantifying and phased over time, how the the sales will be made and to whom. Some organizations interpret this to be the same as a business plan or a marketing plan. business strategy - see 'strategy' - it's the same. marketing strategy - see 'strategy' - it's the same. service contract - a formal document usually drawn up by colorado bar exam essay questions, the supplier by which the trading arrangement is agreed with the customer.
See the section on service contracts and trading agreements. strategic business plan - see strategy and business plan - it's a business plan with strategic drivers (which actually all business plans should be). strategic business planning - developing and writing a strategic business plan. philosophy, values, ethics, vision - these are the fundamentals of business planning, and determine the spirit and day to remember integrity of the business or organisation - see the colorado questions guide to oedipus, how philosophical and colorado bar exam essay questions ethical factors fit into the planning process, and also the principles and materials relating to corporate responsibility and oedipus essay ethical leadership. You can see that many of these terms are interchangeable, so it's important to clarify what needs to be planned for rather than assuming or inferring a meaning from the bar exam name given to on how we use math, the task. That said, the principles explained here can be applied to business plans of essay questions all sorts.
Business plans are often called different names - especially by realism thesis, senior managers and directors delegating a planning exercise that they do not understand well enough to explain. For example: sales plans, operational plans, organizational/organisational plans, marketing plans, marketing strategy plans, strategic business plans, department business plans, etc. Typically these names reflect the department doing the planning, despite which, the planning process and content required in the document is broadly similar. Other useful and relevant business planning definitions are in colorado questions, the business dictionary; the sales and selling glossary; some are also in the financial terms glossary, and realism thesis more - especially for training - are in the business and training acronyms listing, which also provides amusing light relief if this business planning gets a little dry (be warned, the acronyms listings contain some adult content). when writing a business or operating plan, remember. A useful first rule of business planning is to colorado, decide what you are actually trying to achieve and always keep this in mind . Write your aim large as a constant reminder to yourself, and to anyone else involved. Keeping your central aim visible will help you minimise the distractions and essay structure introduction distortions which frequently arise during the planning process. An increasingly vital and colorado essay perhaps second rule of business planning is to establish a strong ethical philosophy at the outset of your planning. This provides a vital reference for decision-making and strategy from the start. A strong clear ethical code communicates your values to staff, customers, suppliers, and creates a simple consistent basis for operations which conventional financials, processes, systems and even people, do not address.
It is very difficult to introduce ethical principles later into an enterprise, especially when planning shifts into implementation, and more so if problems arise relating to integrity, honesty, corporate responsibility, trust, governance, etc., any of oedipus argumentative which can have massive impact on colorado relationships and reputation. See corporate social responsibility and ethics and oedipus argumentative essay the Psychological Contract. It is easy to address issues of colorado questions ethics and corporate responsibility when you are the owner of a new enterprise. Day To. It is more difficult if you are a manager in someone else's company or a large corporation. Nevertheless ethics and corporate responsibility are highly significant in planning, and strong justification for their proper consideration can now be made. There are now plenty of essay recent examples of corporations - indeed entire national economies and governments - which have failed because of poor regard to ethical considerations.
The world is essay we use, changing and learning, slowly, but it is, and anyone ignoring ethics in planning today does so at their own peril. A third crucial requirement for business plans is return on investment , or for public services and non-profit organisations: effective use of colorado bar exam investment and resources, which is english essay structure, beyond simple 'cost control'. For the vast majority of organisations, whether companies, public services, not-for-profit trusts and charities, all organisations need to be financially effective in what they do, otherwise they will cease to function . Ultimately - whatever the organisation and aims - financial viability is necessary to sustain any organised activity . While it's essential to manage ethical and socially responsible aspects of organisational aims , these must allow for essay, adequate return on investment (or in scholarships, less traditional and 'non-profit' enterprises, must allow for the effective use of investment and resources , according to the financial requirements of the particular organisation). Remembering the need for financial viability is colorado bar exam essay questions, vital also because business planning is often done - rightly - to achieve something new and special. This tends to focus thinking on creativity, innovation, ambition, quality, excellence, perhaps even social good, etc., which can easily distract planning away from the basic need to be financially viable - and crucially not to make a loss. By treating return on scholarships investment as a vital requirement of planning we increase the likelihood that plans will be viable and therefore sustainable. Return on investment is essay questions, however a variable feature of business planning. It is flexible according to the type of enterprise, its main purpose and philosophy.
In a conventional profit-driven corporation return on investment (at an optimal rate) is typically a strong strategic driver for local planning and oedipus argumentative decisions, and by implication also a basic requirement of the enterprise as a whole. On the other hand, in colorado essay questions, a business or organization less focused on argumentative essay shareholder reward, such as a public services trust or charity, or a social enterprise or cooperative, return on investment (at a relatively lower rate), may be a requirement simply to sustain viable operations, according to the aims of the enterprise. In the first example, return on colorado essay questions investment is the essay we use life aim; in the second example, return on colorado bar exam essay investment enables some other higher aim to be achieved. Oedipus Essay. In more detail: In a traditional profit-driven corporation, return on investment tends to be the main requirement of any business plan and colorado bar exam essay also the main aim or purpose or driver of the soccer scholarships plan. In most traditional corporations return on investment tends to be at the heart of all activities, since typically the corporation exists to maximize the yield (profit and growth effectively) of colorado questions shareholder funds invested in argumentative, the business. Planning in traditional corporations at times forgets this basic obligation, especially when a junior manager is asked to 'write a business plan' for the first time. In traditional profit-driven corporations, when a new manager starts to write a business plan or operational plan for the first time (and for some experienced managers also, for colorado bar exam questions, the umpteenth time), the manager wonders: What is the aim? What am I trying to achieve? Often when they ask their own manager, the essay on cancer manager has the same doubts. The central aim is usually return on investment . In businesses or 'non-profit' organisations where shareholder enrichment is not the bar exam essay questions main purpose, return on investment is on cancer, less of a driver in business planning, but is nevertheless a crucial requirement . Such enterprises are becoming more popular, and will continue to become so, since the bar exam essay questions collapse of the western economies in essay life, 2008, and colorado essay questions increasing disillusionment with old-style business thinking.
Here return on argumentative essay investment is not the primary driver or objective of the business. Instead the essay main driver of enterprise may be some other purpose. An example of 'some other purpose' might be the activities of english essay structure a social enterprise or cooperative, or maybe an employee ownership company, or perhaps a trust or charity, whose main aim is questions, (rather than the traditional profit generation for external/institutional shareholders) perhaps to benefit its members/staff, and/or to oedipus argumentative essay, sustain local jobs, and/or to benefit the local community, or maybe to advance science or learning or health, etc. Here, while return on investment may seem less crucial or appropriate to planning and colorado essay operations, the enterprise must nevertheless remain financially viable , or it ceases to be able to operate at all. In such examples, return on investment in business planning is not usually maximized, but must still be treated as an underpinning requirement to planning, and a special remember essay flexed according to the fundamental aims and financial requirements of the enterprise.
Before planning, therefore, it is helpful to understand clearly: What are we actually aiming to achieve? What is our policy/position on corporate social responsibility and ethics, etc - our philosophy? And what return on investment (or alternative financial performance) does our activity/enterprise require - is this a strategic driver in itself, or simply the means by which we maintain our activities in support of our (point 1) aims? The basic methodology of colorado bar exam business planning is identifying causes and effects , according to your relevant business requirements (financials and ethics) and strategic drivers (what we are actually aiming to achieve). Here a cause is an input or action or resource; an effect is an essay introduction outcome or result or consequence of some sort. We want to colorado bar exam essay, achieve xyz effect (for example a given return on investment, or a certain sales level or market share, whatever) - so what should we plan to cause this to happen? Commonly big cause/effect elements are broken down into smaller activities, which also comprise a cause and effect. (The goal planning process and tools help explain how this subdivision works - where a big aim is broken down into smaller more measurable and achievable parts). Junior managers have responsibility for plans and activities which feed into realism thesis larger departmental plans and activities of senior managers. The plans and activities of senior managers feed into the divisional plans of essay questions executives and directors. Biology. There is a hierarchy or tree structure of cause and colorado essay effects, all hopefully contributing to english introduction, the overall organizational aim.
In many good businesses a substantial business planning responsibility extends now to bar exam essay, front line customer-facing staff, and essay biology the trend is increasing. In this context, the business plan could be called also be called a marketing plan, or a sales plan - all departmental plans are basically types of colorado bar exam essay questions business planning: What you are going to sell to whom, when and soccer scholarships how you are going to sell it, how much contribution (gross profit) the bar exam questions sales will produce, what the marketing and/or selling cost will be, and what will be the return on investment. Where a department is a 'cost centre' not a 'profit-centre' - providing products or services internally to other departments rather than externally to customers - then the language and planning elements may alter, but the principles remain the same. Also, these principles and methods apply to very large complex multinational organizations, which tend to realism thesis, entail more and questions different costs, fixed overheads, revenues, and consequently larger planning formats; more and bigger spreadsheets, more lines and columns on a special remember essay each, more attention and people working on the numbers, more accountants, and typically - especially at middle-management level and above - more emphasis on cashflow and the balance sheet, alongside basic 'profit and loss' planning. carry out your market research, including understanding your competitor activity. 'The market' varies according to the business or organisation concerned, but every organised activity has a market. Colorado Essay. Knowing the essay on cancer biology market enables you to assess and value and plan how to engage with it.
A common failing of business planning or operational planning outside of the 'business' world, is to plan in isolation, looking inward, when ideas can seem very positive and reliable because there's no context and bar exam questions nothing to compare. Hence research is critical. And this applies to any type of organisation - not just to businesses. See especially the realism thesis guidance on marketing as it relates to business planning. Planning very much concerns processes. The principles of bar exam essay marketing will explain additionally how to put meaning and values into what you plan. Your market research should focus on the information you need, to a special day to remember, help you to formulate strategy and bar exam make business decisions. Market research should be pragmatic and purposeful - a means to an end, and not a means in itself. Market information potentially covers a vast range of data, from global macro-trends and statistics, to very specific and essay on cancer detailed local or technical information, so it's important to decide what is colorado questions, actually relevant and necessary to know.
Market information about market and industry trends, values, main corporations, market structure, etc, is important to know for large corporations operating on on cancer a national or international basis. This type of research is sometimes called 'secondary', because it is already available, having been researched and published previously. This sort of information is available from the colorado bar exam internet, libraries, research companies, trade and national press and realism thesis publications, professional associations and institutes. Colorado Bar Exam. This secondary research information normally requires some interpretation or manipulation for structure, your own purposes. However there's no point spending days researching global statistical economic and demographic data if you are developing a strategy for a relatively small or local business. Bar Exam Essay Questions. Far more useful would be to carry out your own 'primary' research (i.e. original research) about the local target market, buying patterns and preferences, local competitors, their prices and service offerings. A lot of useful primary market research can be performed using customer feed-back, surveys, questionnaires and focus groups (obtaining indicators and views through discussion among a few representative people in a controlled discussion situation). Day To Remember Essay. This sort of primary research should be tailored exactly for your needs. Colorado Essay. Primary research requires less manipulation than secondary research, but all types of research need a certain amount of analysis.
Be careful when extrapolating or projecting figures to biology, avoid magnifying initial mistakes or wrong assumptions. If the starting point is inaccurate the resulting analysis will not be reliable. For businesses of any size; small, local, global and everything in bar exam essay, between, the main elements you need to understand and quantify are: customer (and potential customer) numbers, profile and realism thesis mix customer perceptions, needs, preferences, buying patterns, and trends, by colorado essay, sub-sector if necessary products and services, mix, values and trends demographic issues and trends (especially if dependent on we use consumer markets) future regulatory and legal effects prices and values, and customer perceptions in these areas distribution and routes to market competitor activities, strengths, weaknesses, products, services, prices, sales methods, etc. Primary research is recommended for local and questions niche services. Keep the subjects simple and the range narrow. If using questionnaires formulate questions that give clear yes or no indicators (i.e. avoid three and five options in multi-choices which produce lots of on how math uncertain answers) always understand how you will analyse and measure the data produced.
Try to convert data to numerical format and manipulate on a spreadsheet. Use focus groups for more detailed work. For large research projects consider using a market research organization because they'll probably do it better than you, even though this is likely to be more costly. Essay. If you use any sort of marketing agency ensure you issue a clear brief, and that your aims are clearly understood. English Essay Introduction. Useful frameworks for research are PEST analysis and SWOT analysis.
establish your corporate philosophy and the aims of questions your business or operation. First establish or confirm the aims of the business, and if you are concerned with a part of a business, establish and validate the aims of your part of the business. These can be very different depending on the type of business, and particularly who owns it. Refer to and consider issues of ethics and philosophy, corporate social responsibility, sustainability, etc - these are the scholarships foundations on which values and missions are built. Consider the essay questions Psychological Contract and the benefits of establishing a natural balance and fairness between all interests (notably staff, customers, the organization). Traditional business models are not necessarily the best ones. The world is constantly changing, and establishing a new business is a good time to challenge preconceptions of biology fundamental business structure and purpose. A business based on a narrow aim of essay enriching a few investors while relegating the needs and realism thesis involvement of everyone else may contain conflicts and tensions at a deep level. There are other innovative business structures which can inherently provide a more natural, cooperative and self-fuelling relationship - especially between employees and the organization, and potentially between customers and the organization too. When you have established or confirmed your philosophical and ethical position, state the objectives of the business unit you are planning to colorado essay questions, develop - your short, medium and long term aims - (typically 'short, medium and long' equate to 1 year, 2-3 years and 3 years plus).
In other words, what is the business aiming to introduction, do over the next one, three and five years? Bear in mind that you must reliably ensure the success and viability of the business in the short term or the long term is merely an academic issue. Grand visions need solid foundations. All objectives and aims must be prioritised and as far as possible quantified. If you can't measure it, you can't manage it. All businesses need a ‘mission statement'.
It announces clearly and succinctly to your staff, shareholders and customers what you are in business to do. Your mission statement may build upon a general ‘service charter' relevant to colorado, your industry. You can involve staff in defining and refining the business's mission statement, which helps develop a sense of ownership and responsibility. Producing and announcing the mission statement is also an excellent process for focusing attention on the business's priorities, and particularly the emphasis on customer service. Oedipus Argumentative. Whole businesses need a mission statement - departments and colorado bar exam smaller business units within a bigger business need them too.
define your 'product offering(s)' or 'service offering(s)' - your sales proposition(s) You must understand and define clearly what you are providing to your customers. This description should normally go beyond your products or services, and critically must include the scholarships way you do business , and what business benefits your customers derive from your products and services, and colorado bar exam questions from doing business with you. Develop offerings or propositions for each main area of essay your business activity - sometimes referred to as 'revenue streams', or 'business streams' - and/or for the sector(s) that you serve. Under normal circumstances competitive advantage is increased the more you can offer things that your competitors cannot. Good research will tell you where the opportunities are to increase your competitive advantage in areas that are of prime interest to your target markets. Develop your service offering to emphasise your strengths, which should normally relate to your business objectives, in turn being influenced by corporate aims and market research. Colorado Bar Exam Essay. The important process in oedipus, developing a proposition is translating your view of these services into an offer that means something to your customer.
The definition of your service offer must make sense to your customer in terms that are advantageous and beneficial to the customer, not what is technically good, or scientifically sound to you. Essay Questions. Think about what your service, and the manner by which you deliver it, means to essay, your customer. Traditionally, in colorado bar exam questions, sales and oedipus marketing, this perspective is referred to essay, as translating features into benefits. Essay Structure Introduction. The easiest way to translate a feature into a benefit is to add the prompt ‘which means that. '. For example, if a strong feature of a business is that it has 24-hour opening, this feature would translate into colorado bar exam essay questions something like: We're open 24 hours (the feature) which means that you can get what you need when you need it - day or night. (the benefit). Clearly this benefit represents a competitive advantage over other suppliers who only realism thesis open 9-5. This principle, although a little old-fashioned today, still broadly applies.
The important thing is to understand your services and proposition in bar exam, terms that your customer will recognise as being relevant and beneficial to them. Most businesses have a very poor understanding of what their customers value most in the relationship, so ensure you discover this in the research stage, and realism thesis reflect it in your stated product or service proposition(s). Customers invariably value these benefits higher than all others: If your proposition(s) cannot be seen as leading to colorado essay questions, any of the a special day to essay above then customers will not be very interested in you. A service-offer or proposition should be an encapsulation of what you do best, that you do better than your competitors (or that they don't do at all); something that fits with your business objectives, stated in colorado questions, terms that will make your customers think ‘Yes, that means something to essay we use math in everyday life, me and I think it could be good for bar exam essay, my business (and therefore good for me also as a buyer or sponsor).' This is the realism thesis first 'brick in the wall' in the process of business planning, sales planning, marketing planning, and thereafter, direct marketing, and colorado essay particularly sales lead generation.
write your business plan - include sales, costs of sales, gross margins, and if necessary your business overheads. Business plans come in all shapes and sizes. Pragmatism is a special remember essay, essential. Ensure your plan shows what your business needs it to show. Essay. Essentially your plan is a spreadsheet of numbers with supporting narrative, explaining how the a special remember numbers are to be achieved. Colorado Essay Questions. A plan should show all the activities and resources in terms of revenues and costs, which together hopefully produce a profit at the end of the trading year. Essay On Cancer Biology. The level of detail and complexity depends on the size and colorado essay questions part of the business that the plan concerns. Your business plan, which deals with all aspects of the resource and management of the business (or your part of the business), will include many decisions and argumentative factors fed in from the marketing process. Bar Exam Questions. It will state sales and day to remember essay profitability targets by questions, activity. In a marketing plan there may also be references to image and reputation, and to public relations.
All of these issues require thought and planning if they are to result in improvement, and particularly increasing numbers of customers and revenue growth. You would normally describe and provide financial justification for the means of achieving these things, together with customer satisfaction improvement. Above all a plan needs to be based on day to essay actions - cost-effective and profitable cause and effect; inputs required to achieved required outputs, analysed, identified and quantified separately wherever necessary to be able to manage and measure the relevant activities and resources. quantify the business you seek from each of your market sectors, segments, products and customer groupings, and colorado essay questions allocate investment, resources and activities accordingly. These principles apply to a small local business, a department within a business, or a vast whole business. Before attending to essay on how life, the detail of how to achieve your marketing aims you need to quantify clearly what they are.
What growth targets does the bar exam questions business have? What customer losses are you projecting? How many new customers do you need, by remember essay, size and type, by product and service? What sales volumes, revenues and contributions values do you need for questions, each business or revenue stream from each sector? What is your product mix, in terms of customer type, size, sector, volumes, values, contribution, and distribution channel or route to market? What are your projected selling costs and net contributions per service, product, sector?
What trends and percentage increase in revenues and contributions, and volumes compared to last year are you projecting? How is your market share per business stream and sector changing, and how does this compare with your overall business aims? What are your fast-growth high-margin opportunities, and what are your mature and low-margin services; how are you treating these different opportunities, and anything else in remember, between? You should use a basic spreadsheet tool to split your business according to the main activities and profit levers. See the simple sales/business planning tool example below. ansoff product-market growth matrix - strategic tool. A useful planning tool in colorado bar exam, respect of argumentative markets and products is the matrix developed by Igor Ansoff (H Igor Ansoff, 1918-2002), who is regarded by bar exam essay questions, some as the 'Father of Strategic Management'. Fully titled the Ansoff Product-Market Growth Matrix, the tool was first published in Harvard Business Review, 1957, in Ansoff's paper Strategies for Diversification.
The Ansoff product-market matrix helps to understand and assess marketing or business development strategy. We Use Math Life. Any business, or part of a business can choose which strategy to colorado, employ, or which mix of day to remember strategic options to use. This is a fundamentally simple and effective way of looking at strategic development options. Each of these strategic options holds different opportunities and colorado bar exam downsides for on how we use math life, different organizations, so what is right for one business won't necessarily be right for another. Think about essay, what option offers the best potential for your own business and market. Think about the strengths of your business and soccer scholarships what type of questions growth strategy your strengths will enable most naturally. Generally beware of diversification - this is, by its nature, unknown territory, and carries the highest risk of realism thesis failure.
Here are the bar exam questions Ansoff strategies in summary: market penetration - Developing your sales of soccer scholarships existing products to colorado bar exam, your existing market(s). English. This is fine if there is colorado bar exam, plenty of essay market share to be had at the expense of your competitors, or if the market is colorado bar exam essay questions, growing fast and large enough for the growth you need. If you already have large market share you need to consider whether investing for further growth in this area would produce diminishing returns from your development activity. It could be that you will increase the essay structure introduction profit from this activity more by reducing costs than by actively seeking more market share. Colorado. Strong market share suggests there are likely to be better returns from extending the range of essay products/services that you can offer to bar exam, the market, as in the next option. product development - Developing or finding new products to oedipus argumentative, take to your existing market(s). Bar Exam. This is an attractive strategy if you have strong market share in math, a particular market.
Such a strategy can be a suitable reason for acquiring another company or product/service capability provided it is relevant to your market and colorado bar exam questions your distribution route. Developing new products does not mean that you have to realism thesis, do this yourself (which is questions, normally very expensive and essay in everyday life frequently results in simply re-inventing someone else's wheel) - often there are potential manufacturing partners out there who are looking for their own distribution partner with the sort of market presence that you already have. Questions. However if you already have good market share across a wide range of products for your market, this option may be one that produces diminishing returns on your growth investment and activities, and instead you may do better to seek to develop new markets, as in the next strategic option. market development - Developing new markets for your existing products. New markets can also mean new sub-sectors within your market - it helps to english essay introduction, stay reasonably close to the markets you know and which know you. Moving into completely different markets, even if the product/service fit looks good, holds risks because this will be unknown territory for you, and almost certainly will involve working through new distribution channels, routes or partners.
If you have good market share and good product/service range then moving into associated markets or segments is likely to be an attractive strategy. diversification - taking new products into colorado essay questions new markets. This is high risk - not only argumentative do you not know the products, but neither do you know the new market(s), and again this strategic option is likely to entail working through new distribution channels and routes to market. This sort of activity should generally be regarded as additional and colorado bar exam essay questions supplementary to the core business activity, and should be rolled out carefully through rigorous testing and piloting. Consider also your existing products and on cancer services themselves in terms of colorado bar exam essay questions their market development opportunity and profit potential. Essay On Cancer Biology. Some will offer very high margins because they are relatively new, or specialised in some way, perhaps because of special USP's or distribution arrangements. Other products and services may be more mature, with little or no competitive advantage, in which case they will produce lower margins. Essay. The Boston Matrix is a useful way to understand and assess your different existing product and service opportunities: boston matrix model - product/service development. The Boston Matrix model (also called the BSG Matrix, Growth-Share Matrix, and variations around these titles) is a tool for assessing existing and development products in terms of scholarships their market potential, and thereby implying strategic action for products and services in colorado bar exam essay questions, each of the four categories reflected in the model. The Boston Matrix model was devised by Bruce Henderson (1915-92), founder of the Boston Consulting Group in the 1960s. It has been adapted in many ways.
A simple version is a special remember essay, shown here below. Like other four-part 2x2 matrix models, the Boston Matrix is colorado essay questions, a very quick and easy method for realism thesis, analysis, thinking and bar exam essay decision-making, while being unavoidably limited in its handling of subtlety and detail. Often in business and strategic thinking too much detail is unhelpful - instead, clarity and ease of understanding are extremely helpful, especially in communicating ideas to teams and groups, in essay, which circumstances the Boston Matrix is an excellent aid. cash cow - The rather crude metaphor is based on the idea of 'milking' the returns from previous investments which established good distribution and market share for the product. Essay Questions. Products in this quadrant need maintenance and protection activity, together with good cost management, not growth effort, because there is structure introduction, little or no additional growth available.
dog - This is colorado bar exam essay, any product or service of yours which has low market presence in a mature or stagnant market. There is no point in realism thesis, developing products or services in this quadrant. Many organizations discontinue products/services that they consider fall into this category, in colorado questions, which case consider potential impact on we use math life overhead cost recovery. Businesses that have been starved or denied development find themselves with a high or entire proportion of their products or services in this quadrant, which is obviously not very funny at all, except to the competitors. problem child (also called question marks or wildcats ) - These are products which have a big and growing market potential, but existing low market share, normally because they are new products, or the application has not been spotted and acted upon yet.
New business development and project management principles are required here to ensure that these products' potential can be realised and disasters avoided. This is colorado bar exam, likely to be an area of business that is quite competitive, where the pioneers take the risks in the hope of securing good early distribution arrangements, image, reputation and market share. Gross profit margins are likely to be high, but overheads, in the form of costs of research, development, advertising, market education, and argumentative essay low economies of scale, are normally high, and can cause initial business development in this area to be loss-making until the colorado essay questions product moves into the rising star category, which is by no means assured - many problem children products remain as such. rising star - Or 'star' products, are those which have good market share in a strong and growing market. Realism Thesis. As a product moves into this category it is commonly known as a 'rising star'.
When a market is bar exam essay questions, strong and still growing, competition is not yet fully established. Demand is strong; saturation or over-supply do not exists, and so pricing is realism thesis, relatively unhindered. This all means that these products produce very good returns and profitability. The market is receptive and educated, which optimizes selling efficiencies and margins. Production and bar exam manufacturing overheads are established and english essay introduction costs minimised due to high volumes and good economies of scale.
These are great products and worthy of continuing investment provided good growth potential continues to exist. When it does not these products are likely to move down to cash cow status, and the company needs to bar exam questions, have the next rising stars developing from its problem children. After considering your business in terms of the Ansoff matrix and Boston matrix (which are thinking aids as much as anything else, not a magic solution in themselves), on a more detailed level, and for many businesses just as significant as the Ansoff-type-options, what is the significance of your major accounts - do they offer better opportunity for growth and development than your ordinary business? Do you have a high quality, specialised offering that delivers better business benefit on a large scale as opposed to small scale? Are your selling costs and investment similar for large and small contracts? If so you might do better concentrating on developing large major accounts business, rather than taking a sophisticated product or service solution to smaller companies which do not appreciate or require it, and cost you just as much to sell to as a large organization. This customer matrix model is used by many companies to understand and determine strategies according to customer types. Assessing product type is helped by reference to the Boston matrix model. There is a lot of flexibility as to what constitutes 'good' and 'not so good customers' - use your own criteria. A good way to do this is to devise your own grading system using criteria that mean something to your own situation.
Typical criteria are: size, location, relationship, credit-rating and payment terms, is the customer growing (or not), the security of the supply contract, the service and support overhead required, etc. This kind of customer profiling tool and exercise is essay structure introduction, often overlooked, but it is a critical aspect of marketing and sales development, and of optimizing sales effectiveness and business development performance and profitability. Each quadrant requires a different sales approach. The type of colorado bar exam essay questions customer also implies the a special day to remember type of sales person who should be responsible for colorado bar exam questions, managing the relationship. A firm view needs to realism thesis, be taken before committing expensive field-based sales resources to 'not so good' customers. Focus prospect development (identifying and colorado bar exam contacting new prospective customers) on the profile which appears in the top left quadrant.
Identify prospective new customers who fit this profile, and allocate your business development resources (people and advertising) to this audience. Consider also What are your competitor weaknesses in terms of sectors, geographical territory and structure products or services, and how might these factors affect your options? Use the SWOT analysis also for assessing each competitor as well as your own organization or department. Many organizations issue a marketing budget from the colorado bar exam essay top down (a budget issued by on how, the Centre/HQ/Finance Director), so to speak, in colorado essay, which case, what is your marketing budget and how can you use it to produce the a special day to essay best return on investment, and to help the company best to meet its overall business aims? Use the models described here to assess your best likely returns on essay questions marketing investment. The best way to begin to model and plan your marketing is to have a record of your historical (say last year's) sales results (including selling and realism thesis advertising costs if appropriate and available) on a spreadsheet.
The level of detail is up to you; modern spreadsheets can organize massive amounts of data and bar exam questions make very complex analysis quick easy. Data is vital and will enable you to english introduction, do most of the colorado bar exam essay analysis you need for marketing planning. In simple terms you can use last year's results as a basis for planning and modelling the next year's sales, and realism thesis the marketing expenditure and activities required to achieve them. simple business plan or sales plan tools examples. These templates examples help the planning process. Split and analyse your business or sales according to your main products/services (or revenue streams) according to the profit drivers or 'levers' (variables that you can change which affect profit), e.g., quantity or volume, average sales value or price, % gross margin or profit.
Add different columns which reflect your own business profit drivers or levers, and to provide the most relevant measures. Do the same for each important aspect of colorado essay your business, for example, split by market sector (or segment): And, for example, split by a special day to remember, distributor (or route to market): These simple split analysis tools are an colorado bar exam extremely effective way to math in everyday life, plan your sales and business. Construct a working spreadsheet so that the bottom-right cell shows the colorado essay questions total sales or gross margin, or profit, whatever you need to measure, and by changing the figures within the realism thesis split (altering the mix, average prices, quantities, etc) you can carry out colorado 'what if?' analysis to develop the best plans.
If you are a competent working with spreadsheets it is day to essay, normally possible to assemble all of bar exam this data onto a single spreadsheet and math then show different analyses by colorado bar exam, sorting and graphing according to english, different fields. When you are happy with the overall totals for the year, convert this into a phased monthly plan, with as many lines and columns as you need and are appropriate for the business. Develop this spreadsheet by showing inputs as well as sales outputs - the quantifiable activity (for example, the numbers of enquiries necessary to produce the planned sales levels) required to produce the planned performance. Large businesses need extensive and multiple page spreadsheets. A business plan needs costs as well as sales, and bar exam will show profit as well as revenue and gross margin, but the principle is the oedipus argumentative same: plan the bar exam questions detailed numbers and values of what the business performance will be, and what inputs are required to achieve it. Here's a free MSExcel profit and loss account template tool for incorporating these factors and day to financials into a more formal phased business trading plan, which also serves as a business forecasting and reporting tool too. Adapt it to suit your purposes.
This plan example is also available as a PDF, see the Profit and Loss Account (PL) Small Enterprise Business Plan Example (PDF). The numbers could be anything: ten times less, ten times more, a hundred times more - the principle is the same. Consider also indirect activities that affect sales and business levels, such as customer service. Identify key performance indicators here too, such as customer complaints response and resolution levels and bar exam essay questions timescales. Internal lead referral schemes, strategic partnership activity; the performance of other direct sales activities such as sales agencies, distributorships, export activities, licensing, etc. A Special Essay. These performance factors won't normally appear on a business plan spreadsheet, but a separate plan should be made for colorado essay, them, otherwise they won't happen.
write your marketing plan or business plan. Your marketing plan is actually a statement, supported by relevant financial data, of how you are going to develop your business. Plans should be based on biology actions, not masses of historical data. The historical and market information should be sufficient just to explain and justify the opportunities, direction, strategy, and most importantly, the marketing actions, methods and measures - not to tell the story of the bar exam essay questions past 20 years of your particular industry. What you are going to essay on cancer, sell to whom, when and how you are going to sell it, how much contribution (gross profit) the sales produce, what the marketing cost will be, and bar exam essay questions what will be the essay in everyday life return on investment. As stated above it is easiest and best to assemble all of this data onto a spreadsheet, which then allows data to be manipulated through the planning process, and colorado bar exam essay then changed and re-projected when the trading year is under way. The spreadsheet then becomes the basis of your sales and marketing forecasting and results reporting tool.
As well as sales and marketing data, in most types of businesses it is also useful to essay, include measurable aims concerning customer service and satisfaction. The marketing plan will have costs that relate to a marketing budget in bar exam essay questions, the overall business plan. The marketing plan will also have revenue and gross margin/profitability targets that relate to the turnover and profitability in the overall business plan. This data is essentially numerical, and so needs also some supporting narrative as to how the numbers will be achieved - the actions - but keep the on cancer biology narrative concise; if it extends to more than a half-dozen sheets make sure you put a succinct executive summary on colorado bar exam essay the front. The marketing plan narrative could if appropriate also refer to indirect activities such as product development, customer service, quality assurance, training etc., if significantly relevant to achieving the marketing plan aims.
Be pragmatic - marketing plans vary enormously depending on the type, size and essay on how math life maturity of essay questions business. Above all create a plan that logically shows how the business can best consolidate and realism thesis grow its successful profitable areas. The marketing plan should be a working and truly useful tool - if it is, then it's probably a good one. sample business plan, marketing plan or sales plan sample structure and example format/template. Keep the written part of the bar exam questions business plan as concise and brief as possible - most situations and high-ranking executives do not need to essay on cancer biology, see plans that are an inch thick. If you can make your case on a half dozen pages then do so.
Particularly if your plan is more than 5-6 pages long, produce an executive summary (easiest to do when you have completed the plan) and insert it at the beginning of the bar exam essay questions document. If you need to include lots of reference material, examples, charts, evidence, etc, show these as appendices at the back of the document and make sure they are numbered and referenced during the main body of the plan. Each new section should start at essay structure introduction, the top of a new page. Number the pages. Essay. Important plans should be suitably bound. All business plans should be professionally and introduction neatly presented, with no grammar and spelling errors, clearly laid out in an easy to read format (avoid lots of upper-case or fancy fonts or italics as these are all difficult to bar exam essay questions, read). Soccer. Your business plan contents and structure should be as follows: business plans structure - a business planning template. Title page: Title or heading of the plan and brief description if required, author, date, company/organization if applicable, details of circulation and confidentiality. Contents page: A list of colorado bar exam essay contents (basically the sections listed here, starting with the Introduction page) showing page numbers, plus a list of appendices or addendums (added reference material at the back of the document) allowing the reader to find what they need and navigate the english introduction document easily, and to refer others to particular items and page numbers when reviewing or querying. Introduction page : Introduction and purpose of the plan, terms of reference if applicable (usually for formal and large plans or projects). Executive summary page: Optional and usually beneficial, this should normally be no more than a page long (or it's not an executive summary) - the colorado bar exam questions key points of the whole plan including conclusions, recommendations, actions, financial returns on investment, etc., clearly readable in day to, a few minutes.
Main body of plan: sections and essay headings as required, see template below. Acknowledgments and bibliography/reference sources: if relevant (only required normally for very large formal plans) Appendices: appendices or addendums - additional detailed reference material, examples, statistics, spreadsheets, etc., for reference and not central to the main presentation of your plan. business plans - main body sections examples template. This sample template is typical for realism thesis, a sales/marketing/new business development business plan. (A business plan for a more complex project such as an international joint-venture, or the formation of a new company including manufacturing plant or other overhead activities would need to include relevant information and financials about the overheads and resources concerned, and colorado bar exam essay questions the financials would need to show costs and profits more like a fully developed profit and loss account, with cashflow projections, balance sheet, etc.) Where appropriate refer to soccer scholarships, your position regarding corporate ethics and social responsibility and the Psychological Contract. While these aspects are not mechanisms within the colorado bar exam essay plan, they are crucial reference points.
Define your market - sector(s) and segment(s) definitions Quantify your market (overview only) - size, segmentation, relevant statistics, values, numbers (locations, people/users, etc) - make this relevant to you business Explain your market(s) - sector trends, eg., growth, legislation, seasonality, PEST factors where relevant, refer to Ansoff matrix, show the strategic business drivers within sector and segments, purchasing mechanisms, processes, restrictions - what are the factors that determine customers' priorities and needs - this is a logical place to refer to soccer scholarships, ethics and CSR (corporate social responsibility Explain your existing business - your current business according to colorado bar exam essay questions, sector, products/services, quantities, values, distributor, etc. Analyse your existing customer spread by customer type, values and products/services including major accounts (the 'Pareto Principle' or the '80:20 rule' often applies here, eg., 80% of your business comes from 20% of your customers) Explain your products and services - refer to Boston matrix and on how we use in everyday especially your strategic propositions (what these propositions will do for your customers) including your USP's and UPB's (see sales training section and acronyms) Explain you routes to market, gatekeepers, influencers and strategic partners - the other organizations/individuals you will work with to develop your market, including 'what's in it for them', commissions, endorsements, accreditations, approvals, licenses, etc. Case studies and track record - the credibility, evidence and bar exam questions proof that your propositions and soccer scholarships strategic partnerships work Competitor analysis, eg., SWOT analysis of your own business compared to SWOT analysis of each competitor Sales/marketing/business plan (1 year min) showing sales and margins by product/service stream, mix, values, segment, 'distributor', etc, whatever is relevant, phased monthly, in as much detail as you need. This should be on a spreadsheet , with as many different sheets as necessary to essay questions, quantify relevant inputs and outputs. List your strategic actions (marketing campaigns, sales activities, advertising, etc) that will deliver the above, with costs and returns. This should be supported with a spreadsheet, showing cost and return on investment for each activity. Tip: If the realism thesis business plan concerns an colorado essay existing activity, use the remember previous year's sales/business analysis as the bar exam essay questions basis for we use math in everyday, the next year's sales/business plan. Adapt as necessary according to your new strategic plans. other business planning and marketing issues.
staffing and training implications. Your people are unlikely to have all the skills they need to help you implement a marketing plan. You may not have all the people that you need so you have to consider justifying and obtaining extra. Customer service is acutely sensitive to staffing and training. Are all of your people aware of the aims of the colorado essay business, its mission statement and your sales propositions? Do they know what their responsibilities are? How will you measure their performance? Many of these issues feed back into the business plan under human resources and day to remember essay training, where budgets need to be available to support the investment in these areas. You should formulate a customer service charter, extending both your mission statement and your service offer, so as to inform staff and colorado bar exam questions customers what your standards are.
These standards can cover quite detailed aspects of your service, such as how many times the telephone will be permitted to ring until the caller is a special day to remember, gets an answer. Essay. Other issues might include: How many days between receipt and response for written correspondence. Complaints procedure and timescales for each stage. This charter sets customer expectations, so be sure you can meet them. Scholarships. Customers get disappointed particularly when their expectations are not met, and when so many standards can be set at arbitrary levels, think of each one as a promise that you should keep.
Business-to-business customers would expect to colorado questions, agree these standards with their suppliers and have them recorded as part of their contracts, or as SLA's (service level agreements). Argumentative Essay. Increasingly, large customers demand SLA's to be tailored to their own specific needs, and the process of questions developing these understandings and agreements is absolutely crucial to the maintenance and development of large contracts. Remember an important rule about soccer scholarships, customer service: It's not so much the colorado questions failure to meet standards that causes major dissatisfaction among customers - everyone can make a mistake - the biggest cause of upset is the failure of suppliers to inform customers and keep them updated when problems arise. Not being told in advance, not receiving any apology, not getting any explanation why, and not hearing what's going to be done to put things right, are key areas of english customer dissatisfaction, and therefore easy areas for colorado bar exam, suppliers to focus their efforts to achieve and communicate improvements. A special point of note for on how math, businesses that require a strong technical profile among their service staff: these people are often reactive by nature and bar exam essay questions so not good at taking initiative to identify and soccer scholarships anticipate problem areas in customer service.
It's therefore helpful to bar exam questions, establish suitable mechanisms and responsibility to pick up problems and deal with them - a kind of trouble-shooting capability - which can be separately managed and monitored at a strategic level. Do not assume that technically-oriented staff will be capable of proactively developing customer service solutions and revisions to essay, SLA's - they generally need help in doing so from colorado bar exam essay, staff with high creativity, empathy, communications and initiative capabilities. establish systems to measure customer service and staff performance. These standards and the SLA's established for large customers need to realism thesis, be visible, agreed with customers, absolutely measurable. Colorado. You must keep measuring your performance against them, and preferably publishing the results, internally and externally. Customer complaints handling is a special day to, a key element: Measuring customer complaints is crucial because individual complaints are crucial areas to bar exam, resolve, and also as a whole, complaints serve as a barometer for the quality and performance of the a special remember essay business. You need to have a scheme which encourages, not discourages, customers to complain, to open the channels as wide as possible. Most businesses are too defensive where complaints are concerned, preferring to minimise their importance, or to seek to justify and excuse them.
Wrong. Colorado Bar Exam. Complaints are the opportunities to turn ordinary service into unbeatable service. Moreover, time and oedipus again surveys suggest that anything up to nine out of colorado bar exam ten people do not complain to the provider when they feel dissatisfied - they just keep their dissatisfaction to themselves and the provider never finds out there's a problem, even when the customer chooses to realism thesis, go elsewhere. Colorado Bar Exam Essay Questions. But every complaining customer will tell at least a couple of their friends or relations. Essay Biology. Every dissatisfied staff member in the customer organization will tell several of their colleagues. Colorado Bar Exam. Unreported complaints spawn bad feelings and the breakdown of relationships. It is imperative that you capture all complaints in order to: Put at ease and give explanation or reassurance to the person complaining.
Reduce the on how chances of them complaining to someone else. Monitor exactly how many dissatisfied customers you have and what the causes are, and that's even more important if you're failing to bar exam questions, deliver your mission statement or service offer! Take appropriate corrective action to prevent a re-occurrence. If appropriate (ie for large customers) review SLA's and take the opportunity to soccer scholarships, agree new SLA's with the customer. implications for IT, premises, and colorado questions reporting systems. Also relating to your business plan are the realism thesis issues of: Information Technology - are your computers and communications systems capable of giving you the information and analysis you need? How do you use email - is it helping or hindering your business and the quality of colorado essay questions service you give to your customers? What internet presence and processes do you need? How should your voice and soccer data systems work together?
What systems need to bar exam essay questions, be available to mobile staff? What customer relationship management (CRM) systems should you have? How should you consider all these issues to a special day to remember essay, see the colorado questions needs and opportunities? IT and communications systems increasingly offer marketing and english essay competitive advantage to businesses in colorado bar exam essay questions, all sectors - make sure you know hat IT can do for you and for your customers. Premises - Review your premises and essay in everyday sites in bar exam essay questions, light of soccer your customer service, distribution, and customer relationship requirements. Questions. Pay particular attention anywhere in your organization that your customers visit - the impression and service you give here is a special remember, critical. Reporting systems - If you can't measure it you can't manage it, and colorado bar exam questions where finance and business performance is english, concerned this is certainly true. Colorado Essay Questions. First you must identify and soccer agree internally your key performance indicators (KPI's). Identify every aspect of your service or performance that is important - then you need to be able to measure it and report on it, and where people are involved in essay, performing to certain standards then the standards and the reporting needs to be transparent to them also. How do you report on soccer sales, marketing and business performance and essay questions interpret the results?
Who needs to know? Who needs to capture the data? communications and ongoing customer feedback are essential. Having an open dialogue with your customers is vital. There's a double benefit to your business in ensuring this happens: You nip problems in the bud and stay aware of how you're performing. Your customers feel better about the service you provide as a result of the communications, or from the fact that the channel is open even if they don't use it - it's human nature. Try to devise a standard feedback form. It can double as a promotional tool as well if it's made available on a wider scale. Realism Thesis. The form can carry details of your mission statement, service offer and your customer service charter.
Consider carrying out a customer satisfaction and perceptions survey. There are many ways to bar exam, do this on a small or large scale, and essay on how life valuable feedback is always obtained from customer survey exercises. tips for bar exam essay, starting a small business or self-employment - for non-financial people. Some of soccer us are not naturally inclined towards the sort of detailed financial thinking that is required for traditional detailed business planning. If this is you, you'll possess other valuable capabilities that will be useful in your own enterprise, and colorado bar exam you'll maybe find it helpful to use this alternative approach to planning a new enterprise or self-employment. It can be stressful and counter-productive to try to use methods that are not natural or comfortable. If you are helping or advising others about starting their own enterprise or self-employment, the same principles apply.
Not everyone is essay on cancer, naturally good at business planning, but everyone who dreams of being self-employed or who wants to start and run their own independent enterprise is capable of colorado doing so, provided they work to their strengths, capabilities and passions. People running successful enterprises come in all shapes and sizes, from all backgrounds, all ages, with skills, passions, and capabilities in any field you can imagine. Anyone can run their own business or be successful in self-employment given the on cancer biology simple determination to bar exam, do so. Business and enterprise is not just for stereotypical 'business-types'; the benefits and advantages of being your own boss are available to english introduction, us all. Here are some pointers for people considering starting their own new enterprise, or for helping others to do the same. First, and especially if you are not clear of your own real strengths, or what direction to pursue, focus on using tools to understanding your own personality style and strengths. Then use this knowledge to imagine and realise how your natural capabilities can be used to best effect in defining and providing your own services or running your own enterprise.
The VAK and Multiple Intelligences tools on this site are helpful for this purpose. They assess people's strengths completely differently to traditional IQ or academic evaluations, which are extremely narrow and generally not relevant at colorado questions, all for oedipus argumentative essay, people who want to be their own boss. Understanding personality is also useful since personality-type greatly influences the way that a person approaches self-employment or running an enterprise, and what sort of service or business to offer. The Personality Styles page provides a lot of explanation about this. Many people are conditioned by schools and over-cautious parents to essay, under-estimate their own potential and essay structure capabilities, which is a big reason to take a fresh look at what you are good at, and to re-think and bar exam essay understand better the ways that your personality type tends to be successful in life and business. There are many ways to be successful and independent in life aside from building and running a conventional business and adhering to conventional financial planning methods. The basic economics of becoming successfully independent in any sort of venture are actually extremely simple, and focusing on the following simple fundamentals (a process really) can help many folk turn your dream or an idea into a successful enterprise or self-employment reality. It's usually easiest to on cancer biology, think first of colorado essay these factors in terms of daily, weekly or monthly numbers and values, and realism thesis then to extend the figures to give totals for a whole year: 1. What's your product or service? (What's good/special/different about your products or service that enough people will buy it? And importantly is this something that you have a real passion for?
All successful enterprises are built on bar exam doing something the owner enjoys.) 2. What does it cost to make/buy in/provide the product or service? (If you are buying and selling products or using materials consider the cost prices. If the main resource is your own time then attach a cost to oedipus argumentative essay, your labour that reflects your available time for the work and the wage you need to draw. Divide your required annual wage by the number of work hours available to you, and this is colorado questions, your notional hourly labour cost.) 3. What price will the product/service sell for? (Ideally small businesses need a healthy profit margin or mark-up - doubling the cost is realism thesis, good if the market will accept it. A mark-up of bar exam questions less than 50% is cause for concern unless you are selling products in relatively high volumes or values.
Price your products/services according to what the market will pay, not according to your costs. Take into account your competitors and soccer what they charge and their relative quality. Service businesses that use only the person's time are often very attractive and profitable because there is no added complication of colorado bar exam questions buying and holding stock - hence why window-cleaning, sign-writing, repairs, gardening, decorating, tutoring, writing, therapy, training, coaching and consultancy, etc., are such good businesses for people who prefer a simple approach to self-employment and enterprise. Consider the effect of VAT especially for 'consumer' businesses - ie., selling to the general public - assuming your business is or must be VAT registered. Private consumers of course are more sensitive to VAT than business customers who can generally reclaim VAT should you have to add it to your prices.) 4. Who will buy the product/service? (Identify your customers and market. Do you know this for sure? Test your assumptions: this is a critical part of the proposition and generally benefits from more thought and research to confirm that a big enough market exists for english essay structure introduction, your idea.
Consider your competition - what are people buying currently and why will they buy from you instead?) 5. How much/many do you need to sell in a year? And how many customers do you need? (This is colorado essay questions, a vital part of the proposition to english essay introduction, confirm that the gross profit (the difference between costs of bought in products/labour and sales revenues) covers your/their financial needs (including a living wage and other fixed costs of colorado bar exam essay running the enterprise. We Use In Everyday Life. Again remember the affect of bar exam questions VAT on your selling prices if applicable.) 6. How will people know about the service/product? (You need to essay, understand what advertising/marketing/enquiry-generation is necessary - activity and cost. There is usually a cost for generating new customers, especially in the early stages of a new enterprise. Colorado Questions. Once the business is established, say after six months to a year, 'word-of-mouth' referrals are for some businesses all that is required to produce new customers - especially those based in a local community, but virtually any new enterprise requires marketing at its launch. See the on cancer articles on marketing and selling.)
7. Does all this add up, and better still provide a cash surplus at the end of a year? - if so then it's probably a good business model. These basic questions represent the typical 'table napkin' business proposition that is the start of most businesses, including very large complex ones. People who dislike and are not fluent in detailed business calculations might find the colorado bar exam questions above process a useful starting point when thinking about how to begin a new enterprise or a venture in self-employment. If this is soccer, you, you are not alone: many visionary entrepreneurs can run a huge profitable business but have great difficulty putting together a proper business plan. Colorado Bar Exam Essay Questions. Hence many highly successful business leaders rely heavily on their financial directors to take care of the financial details, leaving them free to get on with the business activity that makes best use of their natural skill, be it creativity, selling, service-provision, people-skills, technical skills, or whatever. Incidentally the above factors are the essential components which make up a basic Profit and Loss Account, which is the primary management tool for a business of any scale and essay complexity. Here's a free MSExcel profit and loss account template tool for extending these factors and financials into a more formal phased plan, which also serves as a business forecasting and reporting tool too. If in doubt about this seek some help from an experienced business person or your accountant. Adapt it to suit your purposes.
The example PL trading plan is also available as a pdf. The numbers could be anything - ten times less, ten times more, a hundred times more - the principle is the same. company types and financial set up - quick guide. When you have confirmed and refined the basic viability of your business idea you can then begin getting to grips with the more detailed aspects of forming the business itself. This necessarily includes deciding your type of business constitution - the colorado bar exam essay legal format of your company - or 'company type' as it is often described. The Psychological Contract is increasingly significant within and essay on how we use math life relating to bar exam essay, business constitution. Small (UK) businesses are most commonly one of the math life following: sole-trader - essentially a self-employed owner - no limited personal liability - relatively easy set up and administration. partnership - essentially a group of colorado self-employed partners/owners - no limited personal liability - easy-ish set up and administration, although ultimately dependent on realism thesis the complexity of the company and colorado bar exam essay questions partnership. limited liability partnership (LLP) - as above, except that liability is limited to personal investments and guarantees. limited company (abbreviated to Ltd after the company name) - liability is limited to the assets of the company - registered with Companies House and we use math in everyday life legally obliged to publish accounts. There are less common variations of limited companies, and other business structures and constitutions, for example: social enterprise - various structures including , trusts, associations and especially cooperatives - these are not common typical or traditional business structures, but social enterprises are growing in popularity, and colorado bar exam essay will be explained in more detail on this website in essay structure, due course.
Meanwhile here is bar exam questions, useful information about cooperatives. public limited company (plc) - not appropriate for small companies. Sole-trader and partnership companies are very easy to set up and on how we use math administer, but the owner/partners are personally liable for colorado bar exam, all business debts and potential claims, so good insurance cover (including professional indemnity and public liability) is essential especially if business liabilities are potentially serious. A limited liability partnership offers protection to partners in terms of on how we use math in everyday life personal liabilities, in that liabilities are limited to the extent of personal investment and any other guarantees. Colorado Bar Exam. This is considered to be too much personal exposure by many business people, in which case a limited company is the obvious alternative. A limited company exists in soccer, its own right - a tricky concept to understand for colorado bar exam essay questions, many people - basically meaning that financial liabilities belong to the company (its shareholders, to the value of english their shares in other words) rather than the directors and executives of the business, as would apply in a partnership. Limited companies ultimately offer more flexibility for bar exam, large complex businesses but can be over-complicated and administratively heavy if all you want to do is realism thesis, run a local shop or landscape gardening business or modest training or coaching business. Whatever, consider carefully what type of bar exam essay company framework will suit you best. Once established it can be quite difficult to unravel and change if you get it wrong - not impossible, but a nuisance if you could have got it right first time with a bit of extra thought at the planning stage.
A good accountant will help you decide what is essay structure, best for your situation from a legal and financial standpoint, although before this you should think for colorado, yourself what sort of business structure best fits your wider business situation, and essay on how math in everyday life especially your business aims and philosophy. Broad guidelines about business types are available from the questions UK Government business information Businesslink website. You'll need a business bank account. In fact it is oedipus argumentative essay, a legal requirement of all limited companies to bar exam, have a business bank account. Shop around.
There are wide variations in services and costs offered by the different banks. You must also understand and organize the tax implications for your type of soccer business. Before starting any business ensure also that you have the questions information and controls to account for and pay all taxes due. Helpfully to essay math in everyday, learn more about this in the UK, most tax affairs are within the responsibilities of HM Revenue and Customs - until they too change their name to something very silly. That said, the relevance today of HM (Her Majesty's) is a bit puzzling when you stop to think about colorado questions, it and surely due for updating to the modern age. HMRC is another weird example of essay on cancer biology quirky UK Government departmental names and branding. God help us all, our country is questions, run by alien wannabe noblemen from the middle ages.
VAT (Value Added Tax or your national equivalent) is an day to remember issue warranting serious thought if your business is small enough to have a choice in the matter. Beyond a certain turnover (?68,000 as at 2010) any UK business must register for VAT. Check the HMRC website for bar exam questions, the current position. Being VAT registered means you must charge VAT on all VAT-rated supplies, which means also that the VAT you receive on payments from your customers must be paid to HM Revenue and Customs. (No you cannot keep it, even though some accidentally try to, and biology others think they are entitled to.) Being VAT registered also enables you to reclaim VAT that you pay on business costs, although there are some notable exceptions, like company cars. Retail and consumer businesses are especially affected by VAT. Private consumers cannot claim back VAT, so the effect of VAT on pricing and margins needs careful thought in planning any consumer business. Up to a certain level of turnover (in the UK) becoming registered for VAT is optional. If your business turnover is likely to be below the threshold for questions, mandatory VAT registration, you must decide for english essay introduction, yourself if the advantages outweigh the colorado disadvantages. The main advantages of VAT registration are: your business will be perceived by certain people - especially other businesses - to be larger and more credible (not being registered for VAT indicates immediately that your turnover is below the VAT threshold) you will be able to reclaim VAT that you are charged on legitimate allowable business costs.
The main disadvantages of being VAT registered are: the administrative burden in keeping VAT records and submitting VAT returns (although this has been enormously simplified in recent years so that for small simple businesses it is really not a problem at all) risks of getting onto cashflow difficulties if you fail to set funds aside to pay your VAT bills (see the tax tips below) Information about VAT (and all other tax issues) is at the UK Government HM Revenue and Customs website: http://www.hmrc.gov.uk. VAT is not the only tax. Taxes are also due on company profits (sole-traders or partnerships profits are taxed via personal earnings of the sole-trader or partners) and on staff salaries (national insurance). A sole-trader or partnership can employ staff, in which case national insurance tax is due on essay structure salaries paid to employees, which is essay, different to a special essay, the tax that employees pay themselves. Failing to retain funds in a company to pay taxes is a serious problem that's easily avoided with good early planning. Contact your tax office.
Inform them of bar exam essay your plans and seek their help. Tax offices are generally extremely helpful, so ask. You can even talk to a real person on the phone without having to realism thesis, breach a six-level automated menu system. Ideally find a decent accountant too. Preferably one who comes recommended to you. With all the questions greatest respect to accountants everywhere, accountants are quite commonly very intense people, like solicitors and scientists, very much focused on process, accuracy, rules, etc., which in terms of personality fit can be a little at odds with the style of many entrepreneurs.
So again shop around and find an accountant with whom you can share a joke and a beer or something from the human world. The relationship between a business person and his/her accountant is crucial if the business is to grow and a special day to essay develop significantly. Accountants might seem at bar exam essay, times to be from another planet, but I can assure you the good ones are bloody magicians when it comes to soccer scholarships, business development, especially when the figures get really interesting. The statement that one stroke of an accountant's pen is mightier than the bar exam world's most successful sales team, is actually true. For many entrepreneurs, the ideal scenario is to grow your business large enough to support the cost of a really excellent finance director, who can take care of all the detailed legal and financial matters for you, and leave you completely free to concentrate on growing the business - concentrating your efforts and ideas and essay biology strategy externally towards markets and customers, and internally towards optimizing innovation and your staff. See the quick tax tips below, especially for small businesses which might not easily be able to achieve immediate and accurate control of their tax liabilities, which is one of the major early risks for a new successful small business.
tax tips - understanding and essay accounting for taxes from the start. A significant potential problem area for newly self-employed people, and for realism thesis, new business start-ups, is failing to budget and save for inevitable taxes which arise from colorado bar exam essay questions, your business activities. N.B. These tips are not meant to be a detailed comprehensive guide to business taxation. This section merely addresses a particular vulnerability of new start-up businesses in failing to set aside sufficient reserves to meet tax liabilities, especially small businesses, and even more especially sole-traders and realism thesis partnerships and small limited companies, which lack expertise in accounting and consequently might benefit from these simple warnings and tips related to tax liabilities. In general these issues would normally be managed via a cashflow forecast, together with suitable financial processes to allocate and colorado make payments for all costs and liabilities arising in the course of realism thesis trading.
I recognise however that many small business start-ups do not begin with such attention to financial processes, and it's primarily for those situations that these particular notes are provided. These notes in no way suggest that this is the normal fully controlled approach to planning and organizing tax liabilities and other cashflow issues within any business of significant scale. This is simply a pragmatic and practical method aimed at averting a common big problem affecting small business start-ups. While your type of company and business determines precisely which taxes apply to you, broadly taxes are due on sales (for VAT registered businesses in the UK, or your VAT equivalent if outside the colorado bar exam essay questions UK), and on the profits of your business and your earnings. If you employ staff you will also have to pay national insurance tax on employees' earnings too. Generally sole-traders and partnerships have simpler tax arrangements - for example, profits are typically taxed as personal earnings - as compared with the essay biology more complex taxes applicable to limited companies, which also pay taxes on company profits and questions staff salaries. Whatever, you must understand the tax liabilities applicable to your situation, and budget for them accordingly. You must try to essay, seek appropriate financial advice for your situation before you commence trading. Indeed understanding tax basics also helps you decide what type of colorado essay questions company will best suit your situation, again, before you begin trading.
The potential for nasty financial surprises - notably tax bills that you have insufficient funds to english introduction, pay - ironically tends to increase along with your success. This is because bigger sales and profits and bar exam essay earnings inevitably produce bigger tax bills (percentage of tax increases too in the early growth of math life a business), all of which becomes a very big problem if you've no funds to pay taxes when due. The risks of colorado bar exam essay questions getting into difficulties can be greater for the self-employed and english essay structure introduction small partnerships which perhaps do not have great financial knowledge and bar exam essay questions experience, than for larger Limited Company start-ups which tend to have more systems and support in financial areas. Start-ups are especially prone to tax surprises because the first set of tax bills can commonly be delayed, and if you fail to english essay introduction, account properly for all taxes due then obviously you increase the chances of spending more than you should do, resulting in not having adequate funds to cover the payments when they are due. Risks are increased further if you are new to self-employment, previously having been employed and accustomed to receiving a regular salary on which all taxes have already been deducted, in other words 'net' of tax. Bar Exam. It can take a while to appreciate that business revenues or profits have no tax deducted when these earnings are put into your bank account; these amounts are called 'gross', because they include the tax element.
Therefore not all of oedipus argumentative your business earnings belong to bar exam, you - some of the money belongs to the taxman. Day To. It's your responsibility to deduct the taxes due, to colorado bar exam essay questions, set this money aside, and to pay the tax bills when demanded. Additionally, if you are a person who is in the habit of spending everything that you earn, you must be even more careful, since this tendency will increase the risks of your being unable to pay your taxes. Failing to realism thesis, get on top of the reality of taxes from the very beginning can lead to serious debt and cashflow problems, which is a miserable way to run a business. So you must anticipate and set aside funds necessary to meet your tax liabilities from the very start of your business, even if you do not initially have a very accurate idea of what taxes will be due, or you lack effective systems to calculate them - many small start-ups are in this position. Bar Exam. Nevertheless it is too late to start thinking about tax when the first demands fall due.
If when starting your business you do not have information and on cancer biology systems to identify and colorado bar exam essay questions account accurately for your tax liabilities, here are two simple quick tax tips to avoid problems with the taxman: You must estimate your tax liabilities and ensure that you set aside funds to cover these liabilities while you are banking your payments received into the business. The easiest way to do this is to identify the taxes applicable to realism thesis, your business, for bar exam questions, example VAT and your own personal income tax and national insurance. Identify the percentages that apply to your own situation and earnings levels. You can do this approximately. It does not need to be very precise. Add these percentages together, and then set aside this percentage of all your earnings that you receive into your business.
Put these monies into a separate savings account where you can't confuse them with your main business account, i.e., your 'working capital' typically held in a current account. Always over-estimate your tax liabilities so as to oedipus argumentative, set aside more than you need. Having a surplus is not a problem. Having not enough money to pay taxes because you've under-estimated tax due is a problem; sometimes enough to kill an questions otherwise promising business. Here's an example to show how quickly and easily you can plan and set aside a contingency to pay your tax bills, even if you've no experience or systems to calculate them precisely. This example is based on a self-employed consultancy-type business, like a training or coaching business, in which there are no significant costs of on how we use in everyday sales (products or services bought in) or overheads, i.e., revenues are effectively the profits too, since there are minimal costs to offset against profits: example of estimating and setting aside money to pay taxes.
1. In the UK VAT on most products and services is 17.5%. This equates (roughly) to questions, 15% when calculating the VAT element within a VAT-inclusive amount. We Use In Everyday. This means that you can set aside 15% of your revenues and reliably be sure of covering your VAT liabilities. 2. Colorado. In the UK personal income tax and national insurance combined is math in everyday, roughly 30% of earnings up to about ?30,000 (a little over in fact), rising to 49% - call it 50% - of earnings above ?30k - roughly. N.B. Income tax and national insurance are calculated on taxable earnings, which exclude money spent on questions legitimate business costs, and VAT received.
These figures in the above example are approximate I emphasise again, which is all you need for this purpose, moreover the approximations are on on how math life the high side of what the precise liabilities actually are. Accountants call this sort of thinking 'prudent'. It's a pessimistic approach to forecasting liabilities rather than optimistic, which is fundamental to good financial planning and management: if the essay questions pessimism is essay, wrong then you end up with a surplus (which is good), but if you are wrong in bar exam essay, making optimistic forecasts and estimates (over-ambitious sales, and essay lower-than-actual costs and liabilities), then you run out of money (which is bad). Back to the percentages.. Knowing the income tax percentages enables you to set aside a suitable percentage of your earnings when you receive them into the business. Roughly speaking, for earnings up to ?30k you need to set aside 30% to cover income tax and national insurance. For earnings over ?30k you need to set aside 50% to cover your income tax and national insurance. (Earnings below ?30k remain taxable at 30%). Remember you can arrive at these figures based on the VAT exclusive revenues, but to keep matters simpler it is easier to bar exam essay questions, use an adjusted total percentage figure to we use math in everyday, apply to colorado bar exam questions, the total gross earnings. If it's kept very simple and quick you'll be more likely to do it - and/or to communicate the method effectively to your partner if they are responsible for realism thesis, handling the financials, as often happens.
Given this example, if in your first year your gross revenues (banked payments received) are say ?50,000, assuming you are VAT registered, then your tax liabilities will be (roughly): From this example you can see that setting aside 45.5% of colorado bar exam essay earnings (yes it's a lot isn't it - which is why you need to anticipate it and set the money aside) would comfortably cover VAT and income tax liabilities. To be extra safe and simpler in this example you could round it up to 50%. The tax liability will obviously increase with increasing revenues - and in percentage terms too regarding personal income tax, since more earnings would be at the higher rate. You must therefore also monitor your earnings levels through the year and adjust your percentage tax contingency accordingly. As stated already above, the risk of essay on cancer under-estimating tax liabilities increases the more successful you are, because tax bills get bigger. In truth you will have some costs to offset against the earnings figures above, but again for the purposes of colorado bar exam questions establishing a very quick principle of saving a fixed percentage as a tax reserve until you know and soccer can control these liabilities more accurately, the above is a very useful simple easy method of initially staying solvent and on top of your tax affairs, which are for many people the bar exam most serious source of nasty financial surprises in successful start-up businesses.
The above example is realism thesis, very simple, and bar exam essay questions is provided mainly for small start-up businesses which might otherwise neglect to provide for tax liabilities. The figures and percentages are not appropriate (but the broad principle of forecasting and providing funds for tax liabilities is) to realism thesis, apply to essay, retail businesses for example, or businesses in which staff are employed, since these businesses carry significant costs of sales and overheads, which should be deducted from revenues before calculating profits and taxes liabilities. Essay On Cancer. Neither does the example take account of the various ways to reduce tax liabilities by reinvesting profits in the business, writing off stock, putting money into colorado bar exam questions pensions, charitable donations, etc. A third tip is a special, - in fact it's effectively a legal requirement - to colorado questions, inform your relevant tax authorities as soon as possible about your new business. Preferably do this a few weeks before you actually begin trading. Essay On How We Use. That way you can be fully informed of the tax situation - and your best methods of dealing with tax, because there are usually different ways, and sometimes the differences can be worth quite a lot of money.
I do not go into more detail about tax here because it's a very complex subject with wide variations depending on your own situation, for which you should seek relevant information and colorado questions advice from a qualified accountant and/or the relevant tax authorities. template and structure for a feasibility study or project justification report. First, and importantly, you need to clarify/confirm the criteria that need to be fulfilled in order to justify starting or continuing the project or group, in other words, what do the decision-makers need to see in order to approve the project or its continuation ? Then map these crucial approval criteria into structure introduction the following structure. Colorado Essay Questions. In other words, work through the essay following template structure according to, and orientated as closely as you can to, the bar exam approval criteria . (These points could effectively be your feasibility study or report justification structure, and headings.) past, present and particularly future ('customer') need (for the outputs/results produced by group or project) benefits and soccer outcomes achieved to date for what cost/investment benefits and outcomes to be produced in colorado bar exam, the future resources, costs, investment , etc., required to produce future required outcomes and benefits (identify capital vs revenue costs, i.e., acquisition of structure introduction major assets and ongoing overheads) alternative methods or ways of colorado satisfying needs, with relative cost/return (return on investment) comparisons (ie., what other ways might there be for satisfying the need if the group or project doesn't happen or ceases?) outline strategy and financial plan , including people, aims, philosophy , etc (ideally tuned to meet the authorising power's fulfilment criteria) for proposed start or continuation of soccer project (assuming you have a case, and assuming there is no better alternative) Keep it simple. Keep to the facts and figures. Essay. Provide evidence. Be clear and concise. Refer to the tips about effective writing.
If possible present your case in person to the decision-makers, with passion, calm confidence and soccer style. Look at essay questions, the tips on essay presentations, and assertiveness. tips on finding and working with business planning advisors and consultants. If you need help putting together a business plan, and essay if you want to get the best from the essay on how engagement, it's important to colorado questions, find the right person to work with, and to day to remember, establish and maintain a good working relationship with them. Colorado Bar Exam Essay. If you are great big organisation you'll probably not need to work with outsiders, and if you do then you'll probably opt for a special remember essay, a great big supplier, however there are significant benefits from working with much smaller suppliers - even single operators - and if you are a small business yourself, then this is bar exam questions, probably the best choice anyway: to seek a good single operator, or small partnership of essay on cancer biology experts.
Here are some ideas of what to look for. You'll be best finding someone who meets as much of this criteria as possible: lives close-by you so you can work face-to-face with them and get to know each other properly, and so that their time is efficiently used, instead of being in bar exam essay, traffic on their way to biology, and from your place is high integrity and very discreet is grown-up and got no baggage or emotional triggers - wise and colorado bar exam essay questions mature - and it needn't be an age thing can help you see and scholarships decide where and how you want to take the business, rather than tell you where he/she thinks you need to go - a mentor not an instructor understands or can immediately relate to your industry sector and type of work is experienced working with small family companies, but is also a big picture strategist and visionary (advisors who've only ever worked with big corporations can sometimes be a bit free and easy with relatively small amounts of money - you need someone with a very very practical approach to managing cash-flow, and real business realities, who've worked in situations without the protection of vast corporate bureaucracy and the lack of transparency that this often brings) is triple-brained or whole-brained - mostly front-brained - (see the stuff on Benziger) - intuitive-creative, thinking, but also able to be personable and grounded, subject to the point below complements your own strengths and fills the gaps and weaknesses in your collective abilities (again see the stuff on Benziger and bar exam questions Jung etc) - ie., if collectively you need hard facts and essay math in everyday life figures and logic then seek people with these strengths - conversely if you are strong on all this, then seek the creative humanist ethical strengths - he/she must work with you in colorado essay questions, a balanced team - so that the team has no blind spots, and no subjective biases in style or emphasis has two or three referees you can talk to oedipus, and see evidence of past work (although if you check most of the above it will be a formality) doesn't smoke or drink too much isn't desperate for the work. As regards finding someone like this, without doubt the bar exam essay questions most reliable and quickest method is by networking introductions through trusted people. The person you seek might be three or more links away, but if it's a friend or associate of essay on cancer biology someone trusted, by someone who's trusted, by someone you trust, then probably they'll be right for you. Start by talking to questions, people you know and asking if they know anyone, or if they know anyone who might know anyone - and take it from there. The chances of finding the right person in the local business listings or directory, out of the blue and from cold, are pretty remote. Replying to adverts and marketing material from consultants is a lottery too. You'll find someone eventually but you'll need to kiss a lot of frogs first, which takes ages and is not the cleverest way to spend your valuable time.
For something so important as business planning advice or consultancy use referrals every time. Referrals work not only because you get to soccer, find someone trusted, but the person you find has a reasonable assurance that you can be trusted too, you see: good suppliers are just as choosy as good clients. It works both ways. Be prepared to reward the bar exam person in whatever way is appropriate and fair (I'm thinking percentage share of incremental success beyond expectations - perhaps even equity share if the person is really good and you'd value their on-going contribution and help). Often the best people won't ask for much money up front at all, but from your point of view you will attract a lot more commitment and argumentative work beyond the colorado questions call of normal duty from them if you reward higher than they ask or need. Good suppliers are immensely motivated by good clients and english essay structure introduction lots of appreciation, even if they don't want the colorado questions financial reward. Good suppliers have usually seen too many ungrateful greedy people taking them for granted and penny pinching, and will tend to sack clients like these without even telling them why, and move on to more deserving enjoyable work with people who are fair and appreciative, which is how you'll be I'm sure. Finally, when you've found the right person, always continually agree expectations and invite feedback about how the relationship is working, not just how the remember work is colorado essay questions, going. starting your own business - or starting any new business. These are the simple rules for we use math, planning and starting your own business.
The principles also apply to colorado bar exam questions, planning and starting a new business within an organisation for someone else. In amongst the distractions and essay details of new business planning, it is important to colorado bar exam, keep sight of the basic rules of new business success: Your successful new business must offer something unique that people want. Uniqueness is vital because otherwise there is a special remember essay, no reason for customers to buy from you. Anyone can be or create a unique business proposition by thinking about colorado bar exam essay questions, it clearly. Uniqueness comes in all shapes and sizes - it's chiefly being especially good and different in a particular area, or field or sector. Uniqueness can be in a product or service, or in a trading method, or in you yourself, or any other aspect of your business which makes what you are offering special and appealing to oedipus argumentative, people. You will develop your own unique offering first by identifying what people want and which nobody is providing properly. Second you must ensure that your chosen unique offering is also an extension of your own passion or particular expertise or strength - something you will love and enjoy being the essay questions best at - whatever it is. Every successful business is built on someone's passion.
new business start-ups by older people. If you already have a career behind you, and you wonder if you've got it in you to essay, compete and succeed in colorado bar exam questions, the modern world, consider this. First - you have definitely got it in you to succeed. Experience and wisdom are fundamental building blocks of oedipus essay success, and will be for you from the moment you start looking at colorado bar exam essay questions, yourself in this way. The reassuring wisdom that older people generally possess is extremely helpful in forming trusting relationships - with customers, suppliers, partners, colleagues, etc - which are essential for english essay introduction, good business.
Added to this, as we get older we have a greater understanding of our true passions and capabilities; we know our strengths and bar exam questions styles and tolerances. This gives older people a very special potency in business. Realism Thesis. Older people know what they are good at. They play to their strengths. They know which battles they can win, and which to avoid. Older people are also typically better at essay questions, handling change and adapting to new things than younger people. Realism Thesis. This is because older people have had more experience doing just this. Adapting to change and working around things are significant capabilities in achieving new business success.
If you are an older person considering starting a new business, think about the things you can do better than most other people - think about your strengths and use them. business start-ups for younger people. Younger people can be very successful starting new businesses just as much as older people can be. The essential principle of playing to your strengths applies, although the implications are different for younger people compared to colorado, older people. Younger people are likely to oedipus, have lots of fresh ideas. This is an advantage, so avoid people pour cold water on bar exam them. Test your ideas on potential customers, rather than to take advice from those people who are ready with their buckets of water.
Next, get the help you need. It's difficult for young people to know all the answers. You'll have the soccer ideas and colorado the energy to on cancer biology, make things happen, but consider the gaps in your experience, and the things you don't enjoy doing, and bar exam essay seek good quality reliable help for these things. Getting good help at what you can't do or don't want to do will enable you to put all your energy into what you are good at essay, and what you want to spend your time doing. Young people sometimes try to force themselves to fit into roles or responsibilities that are not comfortable or natural. Bar Exam Essay. This is de-stabilising and stressful. On How We Use In Everyday Life. Learn what you love and excel at, and focus on building success from this. Which brings us back to playing to your strengths. All successful businesses (and people who become successful working for colorado essay questions, others) are based on the person using personal strengths and pursuing personal passions. Success in business is always based on doing something you love and enjoy, which is fundamentally related to day to remember essay, your natural strengths and colorado questions unique personal potential, whatever that is. The sooner you identify these things in yourself, the essay we use math sooner will build sustainable business success.
planning business success - in summary. Spreadsheets, mission statements, planning templates and other process elements of new business creation and development are tools. They enable the business to colorado bar exam questions, be properly structured, started and run. They are essential of a special day to remember course, but in themselves they don't determine success. Business success is determined by deeper factors. Increasingly business success depends on having a solid philosophical foundation - where relevant interests, inside and outside of the colorado questions organization, are balanced rather than conflicting. The bigger the business, the soccer scholarships more widely it must consider how it relates to external interests and responsibilities - to society and the world at large. A business with this sort of harmony and balance built into its shape and colorado bar exam questions principles at the outset has a huge advantage over oedipus argumentative essay, a business which contains tensions and competing pressures. Within these considerations, relationships - as explained by the Psychological Contract - are crucially important in every business.
Businesses ultimately depend on people, and people depend on relationships. Aside from this - and without diminishing the colorado essay questions significance of other vital business components such as reliability, value, quality, etc., which are necessary merely to survive at a basic level - uniqueness and passion are the remaining special ingredients for success: Uniqueness (just one word, with so many implications) - so that people will want what you offer, and Passion, so that you will enjoy being and offering your best - and so that this belief and commitment conveys to others.
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43 Resume Tips That Will Help You Get Hired. When you haven’t updated your resume in a while, it can be hard to know where to bar exam questions, start. What experiences and accomplishments should you include for oedipus argumentative essay the jobs you’ve got your eye on? What new resume rules and trends should you be following? And seriously, one page or two? Well, search no more: We’ve compiled all the resume advice you need into one place.
Read on colorado for tips and tricks that’ll make sure you craft a winning resume—and help you land a job. Remember Essay. Your resume should not have every work experience you’ve ever had listed on it. Think of your resume not as a comprehensive list of essay questions, your career history, but as a marketing document selling you as the perfect person for english essay structure the job. For each resume you send out, you’ll want to highlight only the accomplishments and skills that are most relevant to the job at colorado essay, hand (even if that means you don’t include all of your experience). Job search expert Lily Zhang explains more about what it means to essay structure introduction, tailor your resume here . Bar Exam. 2. But Keep a Master List of All Jobs. Since you’ll want to be swapping different information in and out depending on the job you’re applying to, keep a resume master list on your computer where you keep any information you’ve ever included on a resume: old positions, bullet points tailored for different applications, special projects that only sometimes make sense to include. Realism Thesis. Then, when you’re crafting each resume, it’s just a matter of colorado essay questions, cutting and pasting relevant information together.
Think of essay on cancer biology, this as your brag file . Bar Exam Essay Questions. 3. Put the Best Stuff “Above the Fold” In marketing speak, “above the fold” refers to what you see on the front half of realism thesis, a folded newspaper (or, in the digital age, before you scroll down on a website), but basically it’s your first impression of a document. In resume speak, it means you should make sure your best experiences and accomplishments are visible on colorado bar exam essay questions the top third of on cancer biology, your resume. This top section is what the colorado bar exam, hiring manager is scholarships going to see first—and what will serve as a hook for someone to keep on reading. So focus on putting your best, most relevant experiences first—and then check out these five other marketing tricks to bar exam questions, get your resume noticed . According to Zhang , the only occasion when an objective section makes sense is when you’re making a huge career change and essay on how we use in everyday, need to explain from the get-go why your experience doesn’t match up with the position you’re applying to. In every other case? Consider whether a summary statement would be right for you —or just nix it altogether to save space and colorado bar exam, focus on making the rest of your resume stellar. There are lots of different ways to organize the information on your resume, but the english structure introduction, good old reverse chronological (where your most recent experience is listed first) is still your best bet. Unless it’s absolutely necessary in your situation, skip the skills-based resume—hiring managers might wonder what you’re hiding. The two- (or more!) page resume is a hotly debated topic , but the bottom line is this—you want the information here to be concise, and making yourself keep it to one page is colorado essay questions a good way to english structure, force yourself to do this.
If you truly have enough relevant and essay questions, important experience, training, and credentials to showcase on more than one page of your resume, then go for it. But if you can tell the same story in less space? Do. If you’re struggling, check out these tips for realism thesis cutting your content down , or work with a designer to colorado bar exam essay questions, see how you can organize your resume to fit more in less space. Soccer. Can’t figure out how to tell your whole story on one page, or want to be able to include some visual examples of your work? Instead of trying to have your resume cover everything, cover the most important details on that document, and then include a link to your personal website , where you can dive more into what makes you the ideal candidate. We’ll talk about getting creative in order to stand out in a minute. Colorado Bar Exam Questions. But the most basic principle of good resume formatting and design? Keep it simple.
Use a basic but modern font, like Helvetica, Arial, or Century Gothic. Make your resume easy on hiring managers’ eyes by a special essay, using a font size between 10 and 12 and leaving a healthy amount of white space on the page. Colorado Questions. You can use a different font or typeface for realism thesis your name, your resume headers, and the companies for colorado bar exam questions which you’ve worked, but keep it simple and a special day to remember essay, keep it consistent. Your main focus here should be on readability for colorado bar exam essay the hiring manager. That being said, you should feel free to… Really want your resume stand out from the biology, sea of Times New Roman? Yes, creative resumes—like infographics, videos, or presentations—or resumes with icons or graphics can set you apart, but you should use them thoughtfully. If you’re applying through an ATS, keep to the standard formatting without any bells and colorado bar exam essay, whistles so the computer can read it effectively. Soccer Scholarships. If you’re applying to colorado bar exam essay, a more traditional company, don’t get too crazy, but feel free to add some tasteful design elements or a little color to make it pop. No matter what, don’t do it unless you’re willing to put in the time, creativity, and soccer scholarships, design work to make it awesome.
10. Questions. Make Your Contact Info Prominent. You don’t need to include your address on math life your resume anymore (really!), but you do need to essay questions, make sure to include a phone number and professional email address (not your work address!) as well as other places the hiring manager can find you on the web, like your LinkedIn profile and Twitter handle. (Implicit in this is essay that you keep these social media profiles suitable for bar exam prospective employers.) You’ve heard before that hiring managers don’t spend a lot of time on each individual resume. So help them get as much information as possible, in scholarships as little time as possible. These 12 small formatting changes will make a huge difference. Know that design skills aren’t your strong suit but want your resume to look stunning? There’s no shame in getting help, so consider working with a professional resume designer. This is arguably the most important document of your job search, so it’s worth getting it exactly right! 13. Keep it Recent, Keep it Relevant. As a rule, you should only show the most recent 10-15 years of your career history and only include the experience relevant to the positions to which you are applying.
And remember to allocate real estate on your resume according to importance. If there’s a choice between including one more college internship or going into more detail about your current role, always choose the latter (unless a previous job was more relevant to bar exam questions, the one you’re applying to). A Special Day To. 14. No Relevant Experience? No Worries! Don’t panic if you don’t have any experience that fits the bill.
Instead, Zhang explains , focus your resume on your relevant and bar exam essay, transferrable skills along with any related side or academic projects, and then make sure to pair it with a strong cover letter telling the narrative of why you’re ideal for the job. No matter how long you’ve been in on cancer a job, or how much you’ve accomplished there, you shouldn’t have more than five or six bullets in bar exam questions a given section. Essay Introduction. No matter how good your bullets are, the recruiter just isn’t going to get through them. Check out these tips for writing impressive bullet points . You may be tempted to throw in tons of industry jargon so you sound like you know what you’re talking about, but ultimately you want your resume to be understandable to questions, the average person. Remember that the first person who sees your resume might be a recruiter, an assistant, or even a high-level executive—and you want to be sure that it is oedipus essay readable, relevant, and interesting to all of them.
Use as many facts, figures, and numbers as you can in your bullet points. How many people were impacted by colorado bar exam, your work? By what percentage did you exceed your goals? By quantifying your accomplishments, you really allow the hiring manager to oedipus argumentative, picture the level of bar exam essay questions, work or responsibility you needed to achieve them. Even if you don’t actually work with numbers, here are some secrets to a special day to remember, adding more to your resume . People hire performers, so you want to show that you didn’t just do stuff, but that you got stuff done! As you look at your bullet points, think about colorado bar exam essay how you can take each statement one step further and add in oedipus argumentative essay what the benefit was to essay questions, your boss or your company. By doing this, you clearly communicate not only what you’re capable of, but also the direct benefit the employer will receive by realism thesis, hiring you. If you’re not sure how to colorado bar exam questions, explain your impact, check out realism thesis these tips for turning your duties into accomplishments . Bar Exam. Describing soft skills on a resume often starts to sound like a list of meaningless buzzwords, fast. Oedipus Argumentative. But being a “strong leader” or an “effective communicator” are important characteristics you want to get across. Think about how you can demonstrate these attributes in colorado bar exam essay your bullet points without actually saying them.
Zhang demonstrates here how you can show five different qualities with the same bullet point—try it yourself until you get the result you’re going for! 20. Don’t Neglect Non-Traditional Work. There’s no law that says you can only put full-time or paid work on your resume. On Cancer. So, if you’ve participated in colorado questions a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged? Absolutely list these things as their own “jobs” within your career chronology. If every bullet in your resume starts with “Responsible for,” readers will get bored very quickly. Realism Thesis. Use our handy list of better verbs to mix it up ! Use keywords in colorado essay questions your resume: Scan the job description, see what words are used most often, and day to essay, make sure you’ve included them in your bullet points. Not only is this a self-check that you’re targeting your resume to the job, it’ll make sure you get noticed in applicant tracking systems. Stuck on which words to colorado essay questions, include?
Dump the job description into a tool like TagCrowd , which will analyze and spit out the most used keywords. What words shouldn’t you include? Detail-oriented, team player, and hard worker—among other vague terms that recruiters say are chronically overused . We bet there’s a better way to describe how awesome you are. 24. Experience First, Education Second. Unless you’re a recent graduate, put your education after your experience. Chances are, your last couple of jobs are more important and relevant to you getting the job than where you went to college. 25. Also Keep it Reverse Chronological. Usually, you should lay down your educational background by listing the most recent or advanced degree first, working in reverse chronological order.
But if older coursework is more specific to the job, list that first to grab the essay on cancer, reviewer’s attention. Don’t list your graduation dates. The reviewer cares more about colorado whether or not you have the degree than when you earned it. If you graduated from college with high honors, absolutely make note of it. While you don’t need to list your GPA, don’t be afraid to essay, showcase that summa cum laude status or the fact that you were in the honors college at your university. 28. Include Continuing or Online Education. Don’t be afraid to include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light. Kelli Orrela explains , “Online courses are a more-than-accepted norm nowadays, and your participation in them can actually show your determination and motivation to get the bar exam essay questions, skills you need for your career.” Be sure to add a section that lists out all the english structure introduction, relevant skills you have for a position, including tech skills like HTML and Adobe Creative Suite and any industry-related certifications. Just make sure to colorado bar exam questions, skip including skills that everyone is expected to oedipus argumentative, have, like using email or Microsoft Word. Doing so will actually make you seem less technologically savvy.
If you have lots of skills related to a position—say, foreign language, software, and leadership skills—try breaking out one of those sections and listing it on its own. Below your “Skills” section, add another section titled “Language Skills” or “Software Skills,” and detail your experience there. Again—we’re going for skimmability here, folks! Feel free to bar exam, include an “Interests” section on your resume, but only add those that are relevant to scholarships, the job. Are you a guitar player with your eye on a music company? Definitely include it. But including your scrapbooking hobby for a tech job at a healthcare company? Don’t even think about it.
32. Essay Questions. Beware of a special day to remember essay, Interests That Could Be Controversial. Maybe you help raise money for bar exam your church on the reg. Biology. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of work ethic—but they could also be discriminated against by someone who disagrees with the cause. Zhang explains here how to weigh the decision of whether to include them or not. Do include awards and accolades you’ve received, even if they’re company-specific awards. Bar Exam Essay Questions. Just state what you earned them for, e.g., “Earned Gold Award for having the company’s top sales record four quarters in a row.” What about personal achievements—like running a marathon—that aren’t totally relevant but show you’re a driven, hard worker? Zhang shares the proper ways to include them. On Cancer. Gaps and Other Sticky Resume Situations.
If you stayed at a (non-temporary) job for only a matter of bar exam essay, months, consider eliminating it from your resume. According to essay on cancer biology, The New York Times ’ career coach , leaving a particularly short-lived job or two off your work history shouldn’t hurt, as long as you’re honest about essay questions your experience if asked in an interview. If you have gaps of a few months in your work history, don’t list the soccer, usual start and essay, end dates for each position. Use years only (2010-2012), or just the number of years or months you worked at your earlier positions. If you’ve job-hopped frequently, include a reason for leaving next to realism thesis, each position, with a succinct explanation like “company closed,” “layoff due to downsizing,” or “relocated to new city.” By addressing the gaps, you’ll proactively illustrate the reason for your sporadic job movement and make it less of an issue. Re-entering the workforce after a long hiatus? This is the perfect opportunity for a summary statement at the top, outlining your best skills and colorado essay, accomplishments. Then, get into your career chronology, without hesitating to include part-time or volunteer work. See more tips from Jenny Foss for english killing it on bar exam essay your comeback resume. Don’t try to english essay, creatively fill in gaps on your resume. For example, if you took time out of the questions, workforce to raise kids, don’t list your parenting experience on your resume, a la “adeptly managed the essay biology, growing pile of laundry” (we’ve seen it).
While parenting is as demanding and intense a job as any out there, most corporate decision makers aren’t going to take this section of your resume seriously. 39. Essay Questions. Ditch “References Available Upon Request” If a hiring manager is interested in you, he or she will ask you for references—and will assume that you have them. There’s no need to essay, address the obvious (and doing so might even make you look a little presumptuous!). It should go without saying, but make sure your resume is free and clear of typos. And don’t rely on spell check and colorado bar exam essay questions, grammar check alone—ask family or friends to take a look at it for you (or get some tips from an a special day to remember editor on how to perfect your own work ). If emailing your resume, make sure to always send a PDF rather than a .doc. Colorado Questions. That way all of your careful formatting won’t accidentally get messed up when the hiring manager opens it on soccer scholarships his or her computer. To make sure it won’t look wonky when you send it off, Google’s head of bar exam essay, HR Laszlo Bock suggests, “Look at oedipus essay, it in both Google Docs and Word, and then attach it to an email and open it as a preview.” Ready to save your resume and send it off?
Save it as “Jane Smith Resume” instead of “Resume.” It’s one less step the hiring manager has to take. Carve out bar exam questions some time every quarter or so to realism thesis, pull up your resume and make some updates. Have you taken on new responsibilities? Learned new skills? Add them in. When your resume is updated on a regular basis, you’re ready to pounce when opportunity presents itself. And, even if you’re not job searching, there are plenty of colorado bar exam questions, good reasons to english essay structure, keep this document in tip-top shape. Photo courtesy of Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is passionate about elevating the standard of writing on the web. Erin previously helped build The Muse’s beloved daily publication and led the company’s branded content team. If you’re an colorado individual or company looking for help making your content better—or you just want to go out to tea—get in touch at eringreenawald.com.
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CO-OP health plans: patients’ interests first. By Louise Norris healthinsurance.org contributor August 27, 2017. It’s been a rough few years for the ACA’s Consumer Operated and Oriented Plans. There were 23 CO-OPs when the first open enrollment period got underway in the fall of 2013, but by the beginning of bar exam essay questions 2016, only 11 of them were still operational. By July 2016, four additional CO-OPs – in Ohio, Connecticut, Oregon, and Illinois – had failed. And in September, Health Republic Insurance of New Jersey stopped offering new plans and announced that their existing plans would terminate at the end of 2016 (unlike the other CO-OPs that have failed, state regulators in structure New Jersey were initially saying that it might be possible for Health Republic to be rehabilitated enough to return to the market in 2018, but that ultimately was not the bar exam questions case, and scholarships, an order of liquidation was filed in February 2017). In December 2016, more than a month after open enrollment began for 2017 coverage, Maryland regulators announced that Evergreen Health CO-OP would not renew or issue individual market plans for 2017, leaving just five CO-OPs offering coverage in 2017 (Maryland regulators made an administrative order in July 2017 that is expected to lead to receivership for Evergreen Health). In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of 2017. Their intent at colorado questions, that point was to reopen in 2018 as Minuteman Insurance Company (and to have plans available for sale during open enrollment in english introduction the fall of 2017 under that name), which was to have been a for-profit insurer rather than a CO-OP.
But by mid-August, they had failed to raise enough capital by the deadline to secure a license to sell coverage for 2018, and would not be able to re-open as Minuteman Insurance Company in 2018. Minuteman Health has been placed in colorado receivership by the Massachusetts Division of Insurance, and their plans will terminate at the end of 2017. After all the closures, there are just four CO-OPs slated to offer coverage in essay we use 2018, in five states: Maine, Montana, Idaho, New Mexico, and Wisconsin. The CO-OP failures have been due in large part to a combination of premiums that were too low, benefits that were too generous, enrollees who were sicker than anticipated, competition from bar exam bigger carriers with larger reserves, the argumentative risk corridor shortfall that was announced in colorado bar exam essay the fall of 2015, and the risk adjustment payment announcements that were made in June 2016 (see below for a timeline of the closures). The Trump Administration’s approach to health care reform, and GOP lawmakers’ efforts to repeal and replace the ACA (via bills written in secret that bypass the normal bipartisan committee process), have further increased the uncertainty that insurers are facing, making the situation even more precarious for small insurers like the realism thesis remaining CO-OPs. 2018: 4 CO-OPs selling plans in 5 states. There are four CO-OPs that are expected to bar exam essay questions, offer plans in five states in 2018. Although the vast majority of the original CO-OPs have failed, these four are showing signs of overall stability. It’s important to note, however, that if the Trump Administration continues to cause uncertainty and instability in the insurance markets (including Trump’s recent threats to cut off federal funding for realism thesis cost-sharing reductions), the remaining CO-OPs will be among the most vulnerable.
Community Health Options (CHO) This was originally called Maine Community Health Options, but the name was changed to reflect the carrier’s expansion outside of Maine. 44,000 people enrolled in coverage through the bar exam essay questions exchange in 2014, and 83 percent of them selected Community Health Options, making the CO-OP’s first year an a special day to remember, amazing success. CHO expanded into bar exam essay, New Hampshire for 2015, fueled by their initial success in 2014 and by a new loan from CMS. During the realism thesis second open enrollment period, CHO once again dominated the Maine market, securing about 80 percent of the exchange market share. Colorado Bar Exam Essay? They also enrolled about 5,000 people in New Hampshire. However, CHO reported significant losses in structure the third quarter of 2015, and bar exam essay, decided to limit enrollment in individual plans for realism thesis 2016. Essay? Enrollment directly through Community Health Options ceased December 15, 2015; enrollment in Community Health Options plans through Healthcare.gov ceased December 26. CHO ended 2015 with $74 million in losses – a far cry from the profitable year they had in english essay introduction 2014.
In early 2016, Maine’s Insurance Superintendent proposed putting the CO-OP in colorado essay receivership and canceling a portion of its plans (about 20,000 members would have been transitioned to other coverage). But CMS didn’t allow that, saying that the plan cancellations would run afoul of the ACA’s guaranteed-renewable provision. The CO-OP is under increased oversight from the Maine Bureau of Insurance, which puts out monthly reports that detail how the CO-OP is faring relative to scholarships, its business plan. According to the July 2017 report from the Bureau of essay Insurance, CHO’s net income in May 2017 was considerably lower than projected, but year-to-date claims were running just about as-projected. CHO is the only remaining CO-OP that received money—as opposed to english essay introduction, having to pay out money—under the risk adjustment program for 2015 and again for questions 2016. For 2017, Community Health Options had an average rate increase of 25.5 percent in Maine, where bulk of their members live. They exited New Hampshire entirely at the end of 2016, and reverted to argumentative, operating solely in colorado questions Maine, as they did in 2014. They have proposed roughly a 20 percent average rate increase for 2018 in the individual market, where they have about three-quarters of their membership. Their total membership was 67,539 at the end of 2016, and oedipus essay, had dropped to 44,015 by the first quarter of bar exam 2017 (all in Maine, since they’re no longer offering plans in essay New Hampshire).
Mountain Health Cooperative Montana Health CO-OP started in Montana, and expanded to Idaho in colorado bar exam 2015. The CO-OP seems to be on relatively solid financial ground. CEO Jerry Dworak noted that the CO-OP didn’t expand too quickly, and maintained substantial reserves; they were not relying as heavily as other CO-OPs on risk corridor payments to shore up their financial position. Average rates for essay Mountain Health CO-OP in Idaho increased by 26 percent for 2016. For 2017, Mountain Health CO-OP’s average rate increase is 29 percent in Idaho, and 31 percent in colorado bar exam questions Montana. As of December 22, 2016, the a special day to essay CO-OP ceased enrollments in questions Montana due to essay biology, the “large number of new members for colorado bar exam essay questions 2017.” The enrollment freeze was lifted in essay structure July 2017 for off-exchange enrollments; on-exchange enrollments in Montana were expected to become available in the summer of 2017 as well. In both cases, this was ahead of schedule, as the CO-OP had originally expected the colorado essay questions lift the enrollment freeze as of November 1, at the start of open enrollment. In another indication of the CO-OP’s increasing viability, their average proposed rate increase for realism thesis 2018 is only 4 percent in Montana.
This demonstrates that the 31 percent average rate increase for 2017 may have been enough to stabilize the bar exam CO-OP and soccer, “right-size” the premiums. New Mexico Health Connections The CO-OP had net earnings of $420,000 in the first quarter of 2016, as opposed to a loss of $2.3 million in the first quarter of 2015. By the end of the 2016 open enrollment period, New Mexico Health Connections had more than 50,000 members, and questions, the CO-OP had added several big-name employers, including Goodwill Industries of New Mexico, Youth Development Inc., and essay, Heritage Hotels Resorts. NM Health Connections has said that they weren’t counting on significant payments from the risk corridor program in questions 2015, so the shortage didn’t hurt them as much as it hurt other carriers. New Mexico Health Connections dropped their PPO plans for 2016 in order to focus on plan designs that allow them to essay on how in everyday life, better control costs. Several big-name carriers around the country took a similar approach in 2016, and PPOs are less common than they once were in the individual market. For 2017, New Mexico Health Connections had an colorado, average rate increase of 33 percent, before any exchange subsidies are applied. They have filed an essay math in everyday, average rate increase of bar exam 30.1 percent for argumentative essay 2018 (much lower than the 84 percent average rate increase they initially filed; the bar exam essay questions lower rate filing came about once it became clear that other insurers would not be exiting New Mexico’s market and the CO-OP did not have to insulate themselves against essay on how we use math in everyday, a flood of new enrollees). But their average rate increase could be even lower still, and the CEO noted in July that the CO-OP’s proposed rate increases were in the 20 to 25 percent range. Common Ground Healthcare Cooperative – The CO-OP offers coverage in 19 eastern Wisconsin counties.
The approved weighted average rate increase for colorado bar exam Common Ground for 2016 was 18 percent. The CO-OP had 23,629 enrollees in Wisconsin in 2015. Scholarships? For 2017, the CO-OP had an average rate increase of 12.6 percent. And after losing money from 2014 through 2017, Common Ground Healthcare posted a positive net income of $2.7 million in the first quarter of 2017. 2015 risk adjustment: 9 of 10 CO-OPs owed payments. Under the ACA’s risk adjustment program, health insurers with lower-risk enrollees end up paying money to health insurers with higher-risk enrollees. The idea is to prevent insurers from designing plans that appeal only to healthy enrollees, and to ensure that premiums reflect benefit levels, rather than the overall health of a plan’s enrollees. On June 30, 2016, HHS released data on risk adjustment numbers for 2015.
Of the 10 CO-OPs that were still operational at that point, nine had to pay into the risk adjustment program for 2015; only one remaining CO-OP – Community Health Options in Maine and New Hampshire – received a risk adjustment payment. Community Health Options received about $710,000 in colorado bar exam essay questions risk adjustment funds. Some of the remaining CO-OPs had begun to argumentative essay, be profitable in early 2016 (details below), but all of the CO-OPs’ financial situations now have to be considered in conjunction with the fact that the CO-OPs will have to pay out the following amounts in colorado bar exam risk adjustment payments, making their financial futures even more uncertain (of the nine CO-OPs that owed money in 2016 for on cancer the risk adjustment program, six have closed or are facing impending closure; only the CO-OPs listed in bold continue to be fully operational) Mountain Health CO-OP/Montana Health CO-OP (Idaho and questions, Montana): $481,000 Oregon Health CO-OP (Community Care of Oregon): $914,000 ( closed; plans ended July 31, 2016 ) Common Ground CO-OP (Wisconsin): $1.9 million Minuteman (operates in Massachusetts and New Hampshire, but risk adjustment outlay was for NH; MA operates its own risk adjustment program): $11 million (Minuteman has filed a lawsuit against CMS in essay we use math in everyday an effort to colorado essay, “invalidate the illegal Risk Adjustment methodology and institute necessary changes immediately.” Minuteman Health is in receivership, and will stop offering coverage at the end of 2017 ) New Mexico Health Connections : $14.6 million. NM Health Connections filed a lawsuit against oedipus argumentative, HHS in August 2016 over the risk adjustment program, requesting that the program be halted until improvements could be made. Healthy CT: $13.4 million ( closed; plans ended December 31, 2017 ) Evergreen Health CO-OP (Maryland): $24.2 million (Evergreen filed a lawsuit to colorado essay questions, block the collection of the risk adjustment payments; a district judge denied the CO-OP’s request on July 21, and the CO-OP immediately appealed the decision; Between $2 million and a special remember, $3 million of the risk adjustment payment was to be withheld by CMS in mid-July from funds owed to colorado essay, the CO-OP for premium subsidies and cost-sharing reductions, and the remainder of the payment had to soccer, be remitted by Evergreen by August 15).
Evergreen notes that they would have profited between $2 million and $3 million in 2016 if it weren’t for the $24 million they had to pay into the risk adjustment program. As a result of the losses, they began the process of being acquired by private investors and converting to a for-profit entity (this process ultimately didn’t happen fast enough for colorado bar exam questions Evergreen to be able to sell or renew individual plans for 2017; in soccer scholarships July 2017 the investors terminated the acquisition, and Maryland regulators began the process that’s expected to lead to colorado, receivership for Evergreen Health ). Land of Lincoln (Illinois): $31.8 million (the state ordered Land of Lincoln to withhold payment until if and soccer scholarships, when the CO-OP receives the money they were supposed to get in 2015 for the 2014 risk corridors program. Colorado Bar Exam Questions? That tactic didn’t work however, and on soccer scholarships July 12, Illinois regulators began the process of closing Land of Lincoln Health, and the CO-OP was placed in liquidation as of questions October 1, 2016 ). Freelancer’s CO-OP (Health Republic Insurance of New Jersey): $46.3 million ( in day to September 2016, regulators placed Health Republic in rehabilitation, and the CO-OP stopped selling new plans ; the risk adjustment payment — which was much more than they had previously been advised it would be — was cited as a primary reason for the CO-OP’s financial instability). HHS has proposed changes to essay, the risk adjustment program for soccer 2018, to make it more equitable and less burdensome for colorado questions new, smaller carriers. They’ve also indicated that states can make regulatory changes before 2018 to ensure a more functional risk adjustment program. 2016 risk adjustment: 4 out of 5 remaining CO-OPs once again owe money. On June 30, 2017, HHS published the risk adjustment report for 2016. Maine Community Health Options was once again the only remaining CO-OP that will receive funding under the risk adjustment program; they’ll get $9.1 million.
The report also details the amount that insurers owe or will receive for 2016 under the soccer ACA’s temporary reinsurance program (2016 was the last year for the reinsurance program). All five of the colorado essay questions remaining CO-OPs will receive money from the 2016 reinsurance program, but in realism thesis most cases, it’s not as much as they’ll have to bar exam, pay out on cancer biology, under the risk adjustment program. Maine Community Health Options — the only remaining CO-OP receiving funding under the risk adjustment program — will also receive $21 million under the 2016 reinsurance program, which is far more than any of the other CO-OPs will receive. Common Ground CO-OP has to pay $3.7 million in risk adjustment (but will receive $10.5 million in reinsurance) Mountain Health CO-OP/Montana Health CO-OP has to pay $8.3 million in risk adjustment (but will receive $2.9 million in reinsurance) New Mexico Health Connections has to colorado essay, pay $8.9 million in risk adjustment (but will receive $3 million in reinsurance) NM Health Connections sued the federal government in 2016 over realism thesis the risk adjustment program, but so far, the colorado essay questions system is soccer scholarships still set up in a way that ultimately ends up taking money from smaller, newer insurers and giving it to larger, more established insurers. Minuteman, which is closing at the end of 2017, has to pay $25.4 million in risk adjustment for 2016 (but will receive $3 million in reinsurance). Notably, they owed far more in 2016 risk adjustment than any of the other remaining CO-OPs. They explained in bar exam June, in conjunction with their announcement that they would no longer be a CO-OP after 2017 (at that point, they hoped to re-open as a for-profit insurer, but that plan was scrapped when they were unable to raise enough capital to essay introduction, secure a license for 2018), that the amount they had been forced to bar exam, pay into the risk adjustment program amounted to realism thesis, about a third of the premiums they had collected.
In May 2016, after extensive input from stakeholders, HHS issued new regulations in an effort to help the colorado questions remaining CO-OPs become financially viable. Due to the urgency of the situation, the regulations took effect almost immediately, on May 11. Essay? The new regulations make a variety of changes that make it easier for CO-OPs to seek outside investments and expand their coverage offerings beyond the individual and small group markets: In the past, there were relatively strict rules governing the make-up of CO-OP boards. Bar Exam? CO-OP board members could not be representatives or employees of we use any federal, state, or local government entity, and they could also not be representatives or employees of any health insurance carrier that was operational as of July 2009. These rules were established to prevent conflicts of interest among CO-OP board members (for example, an employee of a competing insurance company might have a conflict of colorado bar exam questions interest and might not make decisions solely based on the best interests of the CO-OP). The new regulations relax these rules, as HHS has discovered that the rules were too strict, and argumentative essay, were preventing well-qualified experts from joining CO-OP boards. The new regulations allow government employees and representatives to be on CO-OP boards as long as they’re not in senior or high-level positions in the government. Bar Exam Questions? And employees or representatives from already-established insurers can be on CO-OP boards as long as they’re affiliated with insurance carriers that don’t compete in essay on cancer biology the individual and small group markets where CO-OPs operate.
The old rules also required all of a CO-OP’s board of directors to be elected by CO-OP members, and also required all members of the board of directors to also be members of the CO-OP. The new regulations allow for some leeway here too. Only a majority of the board members must be elected by CO-OP members, and board members are no longer required to essay, be members of the CO-OP. This allows outside entities that are providing loans, investments, and oedipus argumentative essay, services to the CO-OP to have representatives on questions the board of directors, and will – in theory – make it easier for CO-OPs to attract new investments . HHS notes that including investor representatives on boards of directors is a common practice in the private sector. A Special Day To Remember Essay? The old rules made it difficult for CO-OPs to find willing and essay questions, qualified individuals to serve on their boards of directors, and the old rules allow them to seek outside experts to provide assistance via being on realism thesis the board of directors. Colorado Questions? The CO-OPs will still be member-driven though, as the majority of board members must still be elected by CO-OP members. New Mexico Health Connections announced in in everyday 2016 that they planned to bar exam questions, work with Raymond James, a New York based investment firm, to raise “a substantial amount” of argumentative funding for bar exam essay New Mexico Health Connections. Maryland’s CO-OP, Evergreen Health , was working to raise $15 million by August 2016, and by July, the CO-OP had come to agreements with eight guarantors to front more than half of that $15 million. But Evergreen Health later opted for the ultimate private investor arrangement, with plans for private investors to argumentative essay, acquire the CO-OP in 2017. Bar Exam Questions? If that had worked out, the insurer would still have been called Evergreen Health, but would have been a for-profit entity and no longer a CO-OP.
Ultimately, the new arrangement didn’t receive federal approval in time to continue to offer coverage for 2017, and Maryland’s Insurance Commissioner announced on December 8 that Evergreen would not sell or renew any individual plans for 2017. Soccer? They had planned to return to bar exam essay, the individual market in 2018, but the private investors terminated the acquisition in July 2017, and Maryland regulators imposed an administrative order that is expected to lead to oedipus, the CO-OP entering receivership. The ACA requires that at least two-thirds of a CO-OP’s policies must be issued in the individual and small group markets in the state where the CO-OP is licensed. Originally, the rule was that CO-OPs that ran afoul of that provision would have to repay their federal loans immediately. The new regulations allow for bar exam questions more leeway: CO-OPs that aren’t meeting the two-thirds rule don’t necessarily have to english essay introduction, repay their loans immediately, but they do have to demonstrate a plan for getting into compliance with the two-thirds rule, and be acting in good faith to achieve that standard (most CO-OPs only operate in the individual and small group markets thus far, but HealthyCT in Connecticut is an exception – they offer large group plans in addition to individual and colorado essay, small group plans). The new flexibility allows CO-OPs to enter into other markets – including large group, Medicare, Medicaid, and remember, ancillary products such as dental and vision, without having to be overly concerned with running afoul of the two-thirds rule and triggering an immediate payback requirement for bar exam essay questions federal loans. Under prior rules, CO-OPs weren’t allowed to day to, sell their policies to colorado essay, another insurer.
So when 12 CO-OPs failed by we use in everyday, the end of 2015, the bar exam questions only option was to send their members back to the general market – on or off-exchange – to seek new coverage. The new HHS regulations allow insolvent CO-OPs to sell their policies to another insurer, although the transaction would have to be approved by CMS. Day To Essay? The idea here is to preserve coverage for existing members if additional CO-OPs fail. Membership surpassed a million enrollees by 2015, but has declined sharply with CO-OP closures. During the 2014 open enrollment period, just over 400,000 people enrolled in CO-OPs nationwide. That climbed to over a million by the end of the 2015 open enrollment period – despite the questions fact that CoOpportunity (Iowa and Nebraska) stopped selling policies in December 2014, and their once-robust enrollment (120,000 members) had dropped to realism thesis, about 2,000 people by mid-February 2015. Colorado Essay? While enrollment in private plans through the oedipus argumentative essay exchanges increased by 46 percent in bar exam questions 2015 (from 8 million people in the first open enrollment period, to 11.7 million in the second open enrollment period), enrollment in CO-OPs increased by 150 percent.
At the end of 2015, however, more than 500,000 of we use in everyday life those enrollees had to switch to a different plan, as 11 of the 22 remaining CO-OPs closed at the end of 2015. In May 2016, Ohio regulators announced that InHealth Mutual would be liquidated, leaving just ten remaining CO-OPs nationwide. And only three of them are not currently subject to enhanced federal oversight: New Mexico Health Connections, Mountain Health Cooperative (Montana and Idaho), and Minuteman Health, Inc (Massachusetts and New Hampshire). Colorado? The other eight CO-OPs still in operation are all under “corrective action plans” from the federal government. Seven of the eleven CO-OPs that were still operational at the end of 2015 had at least 25,000 enrollees as of mid-2015, which is the minimum number that CMS says is necessary for on how we use math in everyday life financial solvency. The other four had not yet achieved that benchmark by early 2016, and two of bar exam questions them—in Oregon and argumentative, Ohio—were among the four CO-OPs that had failed by July 2016.
Of the remaining six CO-OPs, five had membership in excess of 25,000 people as of mid-2015. CMS recognized that, in a competitive marketplace, CO-OPs would face challenges. The agency acknowledged that more than one-third of the colorado bar exam CO-OPs would likely fail in the first 15 years. CMS projected a 40 percent default rate for the planning loans and a 35 percent default rate for the solvency loans. But with only five of 23 CO-OPs slated to day to essay, still be in business by the end of 2017, the failure rate is 78 percent, after three and a half years of operations.
In terms of colorado bar exam essay recent enrollment totals for argumentative essay the remaining CO-OPs: Common Ground CO-OP had 19,300 members in colorado essay questions 2016 Mountain Health CO-OP/Montana Health CO-OP had roughly 15,000 members in Montana in 2016, and added 10,000 new members for 2017. Oedipus Argumentative? They also have members in Idaho. New Mexico Health Connections membership had grown to 50,000 by 2016 Community Health Options: 44,015 members as of the essay questions first quarter of 2017. In addition, Minuteman Health (which will no longer exist as a CO-OP after the end of 2017) has 37,000 members in Massachusetts and a special day to remember essay, New Hampshire in 2017, and Evergreen Health (which is under an administrative order that is expected to colorado bar exam questions, lead to receivership) has 25,000 members in Maryland. A look at the CO-OPs that are facing impending closure. In addition to the four CO-OPs described above that intend to soccer, continue to offer coverage in 2018, two other CO-OPs are still operational in 2017, but will no longer exist as CO-OPs in 2018: MASSACHUSETTS and NEW HAMPSHIRE Minuteman Health Inc. ( will close at the end of questions 2017 ) Enrollment exceeded 22,500 in a special essay the first quarter of 2016, and colorado questions, the CO-OP ceased its advertising campaign in an effort to avoid enrolling too many members. The CO-OP had a profitable first quarter of soccer scholarships 2016, as opposed to the $3.8 million loss they suffered in the first quarter of 2015. By April 2016, Minuteman’s enrollment had reached about 26,000 people, which was an 85 percent increase over colorado 2015 enrollment.
More than 21,000 of Minuteman’s QHP enrollees are in New Hampshire, and the state also has more than 3,400 Premium Assistance Program (privatized Medicaid) members with Minuteman coverage. Essay Structure Introduction? All Minuteman Health enrollees in New Hampshire and questions, Massachusetts will need to secure new coverage for 2018, as the CO-OP is closing at realism thesis, the end of bar exam questions 2017. MARYLAND Evergreen Health Cooperative Inc. (group coverage only in 2017; (no longer allowed to sell or renew any policies under an administrative order that is “a preliminary step to an anticipated receivership”) Enrollment was under 30,000 at realism thesis, the end of 2015, and colorado essay, had grown to 40,000 by math, March 2016. Colorado Questions? Evergreen had its first-ever profitable quarter in the beginning of structure introduction 2016, with a net income of $547,000. That’s compared with a loss of $2.3 million in the first quarter of 2015. For 2015, Evergreen Health CO-OP lost money, as did all of the CO-OPs.
But their loss was the smallest of the bar exam questions 11 remaining CO-OPs, at $10.8 million. In 2016, Evergreen would have been profitable for the full year, except for realism thesis the $24 million they had to pay into the risk corridor program for 2015. For 2017, Evergreen had proposed an average rate increase of colorado bar exam essay questions just 8 percent, but regulators ultimately approved an in everyday life, average rate increase of colorado bar exam more than 20 percent. Evergreen owed CMS $24.2 million in risk adjustment funds for 2015, which is more than a quarter of the carrier’s total revenue. They had worked out an arrangement under which they would be acquired by private investors and converted to a for-profit (ie, not a CO-OP) insurance company, but the investors terminated the acquisition in July 2017, leading state regulators to determine that the CO-OP was no longer financially viable. The following CO-OPs had already closed by 2017: ARIZONA CLOSED Meritus Health Partners In a deviation from the norm, Meritus offered year-round enrollment outside the exchange until late summer 2015; tax credits were only available inside the exchange, and regular open enrollment dates applied to plans purchased in the exchange. Meritus was among the argumentative essay worst-performing CO-OPs in terms of 2014 actual enrollment as a percentage of projected enrollment. The HHS report showed just 869 people enrolled through Meritus as of the end of 2014, out of a projected 24,000. Meritus claims that the actual enrollment total at the end of 2014 was higher (3,500) but still well short of the target number. Bar Exam Essay? By August 2015, enrollment in english essay Meritus plans had skyrocketed to almost 56,000 people.
But just two days prior to the start of the 2016 open enrollment period, the Arizona Department of colorado essay Insurance announced that Meritus could no longer sell or renew policies, and that existing plans would terminate at soccer scholarships, the end of bar exam essay questions 2015. COLORADO CLOSED Colorado HealthOP – The CO-OP got roughly 13 percent of the scholarships exchange market share in 2014 (the second highest of any carrier in the exchange), but they lowered their prices considerably for 2015, and garnered nearly 40 percent of the exchange’s enrollees during the colorado bar exam second open enrollment period. For 2015, they had the lowest prices in eight of essay on cancer Colorado’s nine rating areas. Colorado Health OP was also facing a shortfall from the risk corridors program, and immediately began working hard to overcome it. But their efforts were not sufficient, and the Colorado Division of bar exam essay Insurance decertified them from the exchange on October 16, 2015. CONNECTICUT CLOSED HealthyCT – The CO-OP had 15.6 percent of the market share in 2015, but dropped to soccer, just under 12 percent for 2016. The CO-OP raised their premiums by an average of 7.2 percent for 2016.
Unlike many other CO-OPs, HealthyCT wasn’t counting on the risk corridors payout that they were owed for 2014, so the questions shortfall wasn’t as significant for HealthyCT as it was for some of the other CO-OPs. Unlike most CO-OPs, HealthyCT also sold coverage in the large group market, so they had a stronger off-exchange presence than carriers that only offer individual and small group plans. HealthyCT also built its own provider network, instead of having to rent an a special, already-established network from another carrier, as many CO-OPs did. But ultimately, the essay CO-OP succumbed to the $13.4 million bill that they received for the 2015 risk adjustment program. In July 2016, state regulators ordered HealthyCT to stop writing new policies or renewing existing policies. The CO-OP’s 13,000 individual market insureds (most of whom had coverage through the state’s exchange) were insured through December 31, 2016, but needed to pick a new plan during open enrollment. The CO-OP’s 27,000 employer-sponsored group enrollees continued to have coverage through the CO-OP until their renewal date in 2017 if their 2016 renewal date was July or earlier. Groups that renewed in scholarships August or later had to switch to a different carrier as of their 2016 renewal date. Colorado Bar Exam Questions? ILLINOIS CLOSED Land of Lincoln Health The CO-OP in Illinois weathered the initial risk corridor storm, as they weren’t counting on a full payment from CMS. But they limited small group enrollments for the last two months of 2015, and they also capping 2016 enrollment at biology, about 65,000 to 70,000 people (roughly a 30 percent increase over their 2015 membership) in order to sustainably manage their growth.
Enrollment for the year had ceased by early January, as the CO-OP had met their membership target. During the first quarter of 2016, Land of Lincoln lost $7.1 million, up from the bar exam questions $5.3 million they lost in the first quarter of 2015. An AP analysis of ten of the remaining 11 CO-OPs found that all of them lost money in 2015, but Land of Lincoln Health lost the most, at $90.8 million. Realism Thesis? Nevertheless, the CO-OP is on bar exam questions the hook for a $31.8 million payment for on cancer 2015 risk adjustment. In late June, state regulators ordered Land of Lincoln to withhold payment until if and when the CO-OP receives the $73 million they were supposed to get in 2015 for the 2014 risk corridors program. This move was made in bar exam an effort to keep the CO-OP solvent, but it was unsuccessful. Realism Thesis? On July 12, regulators in Illinois announced that they were beginning the process of shutting down Land of colorado bar exam Lincoln Health; the CO-OP will close on September 30, 2016. Oedipus Argumentative Essay? A special enrollment period will allow the CO-OP’s 49,000 enrollees to colorado bar exam essay, pick a new plan. If a plan selection is made between August 2 and September 30, coverage under the soccer scholarships new plan will take effect October 1, with no gap in coverage.
If a plan selection is made between October 1 and November 29, normal effective date rules will apply and there will be a gap in coverage. IOWA and NEBRASKA CLOSED CoOportunity Health (Iowa and Nebraska) – EDIT, 1/5/15, and 7/30/2015 : CoOportunity Health was taken over by Iowa state regulators in late December 2014. Once federal funding ran out, it became clear that the colorado essay questions carrier didn’t have enough money to remain viable, as reserves had dropped to about $17 million by December. At the time, HHS said that the english essay structure introduction other 22 CO-OPs appeared to colorado bar exam essay, still be financially viable early in essay math in everyday life 2015. CoOportunity had raised their rates considerably for 2015, although they covered about 120,000 members in Iowa and Nebraska. Most existing policy holders transitioned to bar exam, other carriers by February 15, but there were still about 2,000 members as of mid-February. Early in 2015, there was some hope that regulators would be able to successfully rehabilitate the carrier. But by a special remember, February 18, the Insurance Division announced that they would begin the process of liquidating the carrier before the end of the colorado month, and the remaining insureds had to transition to other carriers by March 1. KENTUCKY CLOSED Kentucky Health Care Cooperative Near the end of the 2014 open enrollment period, Kentucky Health Cooperative had garnered 75 percent of the exchange enrollments in Kentucky . By the end of 2014, Kentucky Health Cooperative was covering 55,852 people in the state. English Structure? The CO-OP had planned to expand into West Virginia for 2015, but backed out just a week before open enrollment over worries that their infrastructure wasn’t ready for colorado bar exam the new influx of members. Remember Essay? They had planned to move forward with their expansion to West Virginia in 2016, but the West Virginia Insurance Commissioner’s office confirmed in early September 2015 that the Kentucky CO-OP no longer had plans to expand into West Virginia. As of June 2015, Kentucky Health Cooperative still had more than 55,000 members, despite the fact that their premiums increased by an average of 15 percent in 2015.
But Kentucky Health Cooperative also had the distinction of being the CO-OP with the most red ink in 2014, losing $50.4 million by the end of 2014 (although losses had diminished considerably in colorado bar exam essay questions 2015; by the end of the first half of the year, losses totaled just $4 million). The losses from 2014 would have been offset by realism thesis, the risk corridors payment if it had been paid as owed ($77 million). Colorado Bar Exam Essay Questions? Instead, the CO-OP was going to receive less than $10 million from the risk corridors program, and that simply wasn’t enough to sustain them. Kentucky Health CO-OP announced in early October that they would cease operations at the end of 2015. On How We Use Math Life? LOUISIANA CLOSED Louisiana Health Cooperative Inc. – EDIT, 7/30/2015: On July 24, the Louisiana Department of Insurance announced that the CO-OP would be winding down its operations this year, and would not participate in the upcoming open enrollment for 2016. The existing 17,000 enrollees can remain with the carrier for the rest of 2015, and there are still enough cash reserves to cover claims for the rest of the year. Bar Exam Essay Questions? MICHIGAN CLOSED Consumers Mutual Insurance of Michigan Nearly 80 percent of the CO-OP’s enrollees in 2015 were off-exchange. Michigan’s CO-OP was the last to announce failure in 2015, doing so on November 2, the day after open enrollment began for 2016 coverage. NEVADA CLOSED Nevada Health Cooperative – In late August 2015, officials at Nevada Health CO-OP announced – amid mounting financial losses and structure, “challenging market conditions” – that the carrier would be ceasing operations by the end of the year. The CO-OP had about a third of the questions individual enrollments in the Nevada exchange for 2015, but they had to switch to realism thesis, another carrier for 2016.
NEW JERSEY CLOSED Health Republic Insurance of New Jersey (Freelancer’s CO-OP) – The CO-OP ended 2014 with 4,254 members. By July 2015, the CO-OP’s enrollment had exceeded 60,000 people, thanks to new plan designs and questions, lower premiums. Rate increases for 2016 ranged from 9 percent to 18 percent. Realism Thesis? For 2017, Health Republic of NJ proposed an colorado bar exam essay, average rate increase of soccer scholarships just 8.5 percent, but ultimately the carrier was placed in rehabilitation in mid-September, and had to stop offering new plans at that point. State regulators initially said that it was possible the CO-OP could return to the market in bar exam essay questions 2018, but that ultimately was not the case, and an order of liquidation was filed in February 2017). All existing Health Republic plans in biology New Jersey terminated on December 31, 2016. NEW YORK CLOSED Health Republic Insurance of New York – The CO-OP enrolled 19 percent of the people who purchased plans through NY State of Health (the state-run exchange) during the 2014 open enrollment period. Their membership had grown to 112,000 by April 2014, and 155,000 by the end of 2014 – far surpassing their initial 2014 goal of 30,000 members. In 2015, they again garnered 19 percent of NY State of colorado questions Health’s private plan enrollees, and had total enrollment of oedipus essay about 200,000 people by the time regulators announced in September 2015 that the CO-OP would be closing.
There were 16 carriers offering plans through NY State of Health, and only one had slightly higher market share than the CO-OP. But Health Republic of colorado NY lost $35 million in 2014, and $52.7 million in essay we use in everyday life the first half of 2015; their high enrollment was not a financial panacea – they enrolled far more people than expected, but that ultimately translated into losses that far exceeded projections. On September 25, state and federal regulators, along with NY’s state-run exchange, announced that they had ordered Health Republic to stop issuing new policies and prepare to terminate existing individual plans at the end of bar exam 2015. It was subsequently determined that the CO-OP was simply losing too much money to continue as a viable insurer, and realism thesis, coverage was terminated on November 30. OHIO InHealth Mutual CLOSED InHealth Mutual enrolled just 11 percent of their target membership for 2014. Bar Exam? But that was partly because the carrier got licensed too late in 2013 to be sold on Healthcare.gov. So instead, InHealth Mutual mainly sold off-exchange small group plans in essay math in everyday 2014. But for the 2015 open enrollment period, InHealth Mutual was available through the exchange, and enrollment had more than doubled to 16,000 by mid-January. However, during the colorado bar exam questions first six months of 2015, InHealth reported $9.1 million in net losses.
Ultimately, state regulators announced in late May 2016 that the CO-OP would be liquidated, and that the realism thesis current 21,800 enrollees would have a 60 day special enrollment period during which they would be able to switch to essay, a different carrier. Enrollees who remained with InHealth Mutual had coverage through the end of 2016, but it was through the essay state guaranty fund, which means it had a cap of bar exam essay questions $500,000 and would subject the enrollees to the ACA’s penalty for not having minimum essential coverage. OREGON CLOSED Health Republic Insurance of Oregon Health Republic’s failure was blamed in large part on the risk corridor shortfall, as was the case with many of the CO-OPs that failed in late 2015. In February 2016, Health Republic of Oregon announced that they were suing the federal government over the risk corridor shortfall. Their hope is to make the soccer scholarships suit a class action case so that other insurers who were shorted by colorado, the risk corridor program can join in the lawsuit. OREGON CLOSED Oregon’s Health CO-OP Oregon Health CO-OP is officially called “Community Care of Oregon”.
It had just 1,582 members at the end of 2014. By January 2015, their membership had grown to structure, 10,000 people, and by April 2015, they said they were on track to hit 20,000 by the end of the year, and had “healthy financial reserves.” But they were expecting to receive $5 million via the 2015 risk adjustment program, and essay questions, ended up owing $900,000 instead. That pushed the oedipus argumentative CO-OP into insolvent territory, and the state announced on July 8 that they were placing the CO-OP in receivership. All Oregon Health CO-OP plans terminated on July 31, 2016. Colorado Bar Exam Essay? The CO-OP had 20,600 members—11,800 in the individual market, and 8,800 in the small group market. Individuals had a special enrollment period beginning July 11 to enroll in a special remember a new plan, with coverage effective August 1. To get an bar exam, August 1 effective date, members had to pick a new plan by July 31. Small groups worked with brokers or carriers to secure a new plan with an August 1 effective date. The state also worked out an arrangement to ensure that CO-OP members get credit for their out-of-pocket spending during the realism thesis first seven months of 2019, even after transferring to colorado essay questions, a new carrier starting in a special day to essay August. SOUTH CAROLINA CLOSED Consumer’s Choice Health Insurance Company Consumers Choice had the same CEO as neighboring Tennessee’s Community Health Alliance Mutual Insurance Company, which also closed at the end of 2015. Consumer’s Choice had 67,000 members in 2015. TENNESSEE CLOSED Community Health Alliance Mutual Insurance Company (Tennessee) – Community Health Alliance had just 2,287 members at the end of 2014 – out of a projected 25,000 – and experienced a loss of $22 million in 2014.
But they lowered their premiums for colorado bar exam questions 2015 and experienced a surge in enrollment (35,761 members as of May 2015). Enrollment grew so quickly during the 2015 open enrollment period that Community Health Alliance suspended enrollment in their plans as of January 15, noting that they had already met their enrollment goal for the year. On Cancer Biology? They proposed a 32.6 percent rate increase for 2016, although regulators ultimately increased it to colorado bar exam essay questions, 44.7 percent in order to preserve the CO-OP’s viability. The CO-OP had planned to resume selling coverage during the 2016 open enrollment period, but regulators announced in mid-October 2015 that the carrier would instead be closing at the end of the year, and all members would need to transition to another carrier for 2016. Realism Thesis? UTAH CLOSED Arches Mutual Insurance Company Arches insured roughly a quarter of Utah’s exchange enrollees in 2015. The CO-OP’s on-exchange enrollment was about 32,000 people, all of whom had to find alternate plans for 2016. In July 2015, HHS released financial and colorado bar exam essay, enrollment data for the 23 CO-OPs, as of December 2014. The outlook based on the report was not particularly great: all but one of the CO-OPs operated at a loss in english structure 2014, and essay questions, 13 of the CO-OPs fell far short of oedipus their enrollment goals for colorado essay 2014. The audit called into question the CO-OPs’ ability to repay the structure loans that they received from the federal government under Obamacare.
The risk corridor shortfall has been directly implicated in the failure of CO-OPs in Kentucky, Tennessee, Colorado, Oregon, South Carolina, Utah, Arizona, and colorado bar exam questions, Michigan. There is no way around the fact that such a significant financial blow is hard to overcome, particularly for english essay introduction carriers that were new to the market in 2014. Eight CO-OPs failed in the weeks following the risk corridor shortfall announcement. Those eight CO-OPs were in serious financial jeopardy as a result of the risk corridor shortfall and other factors, and state Insurance Commissioners made the colorado bar exam questions difficult decision to shut them down prior to the start of open enrollment, or shortly thereafter. It’s much less complicated to wind down operations in an orderly fashion in the last couple months of a year than it is to have a carrier become financially insolvent mid-year. That, coupled with the late announcement regarding the risk corridors shortfall, explains the rash of CO-OP failures announced in late 2015 (It should be noted that it’s not just CO-OPs feeling the pain from the english structure introduction risk corridor shortfall; in Wisconsin, Anthem exited the bar exam questions exchange market in three counties and scaled back operations in 34 other counties, partially as a result of the risk corridor shortfall. And in Wyoming, WINhealth has exited the individual market because of the risk corridor shortfall; in Alaska and Oregon, Moda nearly exited the market, due in argumentative large part to the risk corridor shortfall.) But with 12 out of bar exam questions 23 CO-OPs going under in 2015, it wasn’t surprising that the english essay structure introduction mood in late 2015 was relatively pessimistic regarding the CO-OP model. Bar Exam Essay Questions? In his press release about the demise of Arches Health Plan, Utah Insurance Commissioner Todd E. Kiser noted that “ It is regrettable that the we use math in everyday co-op model has not worked across the country .” That didn’t bode well for the remaining 11 CO-OPs, and bar exam essay, ultimately only four of them intend to offer coverage for essay 2018. All 11 of the colorado remaining CO-OPs suffered losses in a special day to 2015, amounting to a total of about $400 million (Evergreen lost the least, at $10.8 million; Land of Lincoln lost the most, at $90.8 million).
The bulk of the essay losses were in the fourth quarter, indicating that consumers are trying to get as much value as possible from oedipus argumentative their coverage before the end of the plan year. So although a few of the colorado bar exam essay questions remaining CO-OPs are in the black so far in 2016, their profits are very modest, and it’s unclear how the rest of the day to remember year might go. The fact that lawmakers decided at the end of colorado bar exam questions 2014 to retroactively require the risk corridors program to oedipus essay, be budget-neutral was a significant blow to the CO-OPs. The CO-OPs – along with the rest of the carriers – had set their premiums for bar exam essay questions 2014 (and by that time, for on cancer 2015 as well) with the expectation that risk corridors payments would mitigate losses if they experienced higher-than-expected claims. Clearly, that has not panned out, and it certainly put the CO-OPs in a tough spot. To clarify, HHS said in 2013 that the risk corridor program would NOT be budget-neutral, and colorado bar exam essay, that federal funds would be used to english structure, make up any short-falls; carriers set their rates for 2014 based on that.
But then in 2014, HHS announced in 2014 that they had made several adjustments to the risk corridor program, and that they projected “that these changes, in combination with the changes to the reinsurance program finalized in this rule, will result in net payments that are budget neutral in questions 2014. Realism Thesis? We intend to implement this program in a budget neutral manner, and may make future adjustments, either upward or downward to this program (for example, as discussed below, we may modify the ceiling on allowable administrative costs) to the extent necessary to achieve this goal.” But this was after rates for bar exam essay questions 2014 were long-since locked in, and on how we use, enrollment nearly complete. At the colorado essay questions end of 2014, congress passed the Cromnibus Bill, requiring risk corridors to be budget neutral, with no wiggle room for HHS. We do have to keep in mind, however, that CMS knew from the get-go that some CO-OPs would fail. They expected at least a third of day to remember essay them to fail in the first 15 years, and that was long before the risk corridors program was retroactively changed to be budget neutral. What are CO-OPs and how are they different? Consumer Operated and Oriented Plans (CO-OPs) were created under a provision of the Affordable Care Act. CO-OP plans were proposed by Senator Kent Conrad (D-ND) when the original public plan option was jettisoned during the health care reform debate.
Lawmakers added the CO-OP provision to the Affordable Care Act to placate Democrats who had pushed for a government-run, Medicare-for-all type of health insurance program. At the time, progressives who preferred a public option derided CO-OPs as a poor alternative because they can’t utilize the colorado bar exam questions efficiencies of scale that would come with Medicare For All, nor do they have the market clout that a single payer system would have when negotiating reimbursement rates with providers. But supporters noted that because CO-OPs are neither government agencies nor commercial insurers, they can put patients first, without having to focus on investors or Congressional politics. Instead of paying shareholders, CO-OP profits are reinvested in the plan to english essay introduction, lower premiums or improve benefits (in 2014, only essay, one CO-OP, Maine Community Health Options, had revenue that exceeded claims and administrative expenses – but the reinvestment of a special remember profits is the plan for all CO-OPs, once they become profitable). Colorado Bar Exam Essay? And customers’ health insurance needs and concerns become a top priority because the CO-OP’s customers/members elect their own board of directors. And a majority of these directors must themselves be members of the CO-OP. CO-OPs are private, nonprofit, state-licensed health insurance carriers. Their plans can be sold both inside and remember essay, outside the bar exam essay questions health insurance exchanges, depending on the state, and can offer individual, small group, and large group plans. But they’re are limited to having no more than a third of remember their policies in the large group market (a more lucrative market than individual or small group).
Lawmakers had originally planned to provide $10 billion in grants to get the CO-OPs up and bar exam questions, running in every state. But insurance industry lobbyists and fiscal conservatives in Congress succeeded in essay on cancer reducing the total to $6 billion, and turning it into loans – with relatively short repayment schedules – instead of grants (and CO-OPs are not permitted to use federal loan money for marketing purposes). Then, during budget negotiations in 2011, those loans were cut by another $2.2 billion. And in 2012, during the fiscal cliff negotiations, CO-OP funding was reduced even further – and applications from 40 prospective CO-OPs were rejected. To be approved to establish a CO-OP, applicants underwent background checks that included public records searches at the local, state, and national level as well as searches of federal debarment databases. Loan recipients are subject to strict monitoring, audits, and reporting requirements for the length of the questions loan repayment period plus 10 years. Ultimately, the Centers for Medicare and Medicaid (CMS) awarded about $2.4 billion in loans to 23 CO-OPs across the country (there were 24 CO-OPs, but Vermont Health CO-OP never became operational. CMS retracted their loan in September 2013 – before the realism thesis exchanges opened for bar exam the first open enrollment – because there were doubts that the program could be viable with Vermont’s impending switch to single-payer healthcare in oedipus essay 2017; ironically, Vermont pulled the plug on their single payer vision in late 2014). Focus on cost savings and reinvested profits.
How do CO-OPs increase cost efficiencies? CMS has laid out guidelines for CO-OPs to use “private purchasing councils” through which CO-OP carriers can use collective purchasing power to obtain lower costs on a variety of items and services, including claims administration, accounting, health IT, or reinsurance. But private purchasing councils are allowed to essay questions, use their collective purchasing power to negotiate rates or network arrangements with providers and health care facilities, as antitrust issues could otherwise arise. Argumentative? But the Kaiser Family Foundation notes that CO-OPs can emphasize Patient Centered Medical Home models to keep costs down. (the PCMH model allows physicians to use health information technology and care managers to provide a full spectrum of care that’s coordinated among each patient’s various providers. The goal is to bar exam, keep patients healthy – and out of the hospital – by using best practices and evidence based medicine. If PCMH doctors are successful, they qualify for bonuses). Soccer? CO-OPs generally emphasize preventive care in an effort to colorado bar exam essay, keep their members healthy. A challenge for CO-OPs has been developing their provider networks. At least 15 CO-OPs are renting networks from other insurers, which adds to their administrative expenses. Essay? In Maine, Community Health Options (the one profitable CO-OP in 2014) built its own provider network from the ground up, a move that CEO Kevin Lewis notes as one of the reasons CHO has been successful. Bar Exam Essay Questions? CO-OPs also have the option to argumentative essay, hire doctors directly, rather than contract with them through provider networks (the upside for the doctors is that the CO-OP then handles the administrative details, and the doctor can focus on healthcare instead).
Will the few remaining CO-OPs survive? It’s too soon to tell. Colorado Questions? In many states, the CO-OPs started out in a David and Goliath situation, competing with carriers that have dominated the health insurance landscape for years. There are some promising signs from a special day to remember essay some CO-OPs that may ultimately survive long-term. And even among the CO-OPs that struggled early on, long-term sustainability is possible. Premiums that carriers – including CO-OPs – set for questions 2014 and 2015 were little more than educated guesses from soccer scholarships actuaries, since there was very little in bar exam the way of actual claims data on which to oedipus argumentative, rely (there was no data at essay questions, all when the 2014 rates were being set, and only a couple months of early data available when 2015 rates were being set). Oedipus Argumentative? Once the CO-OPs had more than a year of claims history in the books, they were able to bar exam essay questions, be more accurate in pricing their policies for realism thesis 2016, and that will again be the case for 2017.
CO-OP supporters had hoped that the new carriers would disrupt existing markets, driving down premiums and shaking up the market share among commercial insurers. Although CO-OPs struggled financially in their first year, average premiums market-wide were lower in colorado bar exam both 2014 and oedipus, 2015 in states that have CO-OPs than in states without CO-OPs. A GAO report found that average CO-OP premiums in 2014 and 2015 in questions most states tended to be lower than the average premiums across all carriers in those states. And enrollment in CO-OPs increased at a special remember essay, a much faster pace than overall enrollment growth (across all carriers) from 2014 to bar exam essay, 2015. CMS acknowledged from the start that not all of the on cancer biology CO-OPs would be likely to succeed – just as a crop of new for-profit health insurance carriers wouldn’t all be expected to colorado bar exam questions, succeed. A Special Day To Remember Essay? But over the next few years, the remaining CO-OPs will have an opportunity to refine their business models, reinvest any profits they make, and grow their enrollment – especially as grandmothered plans cease to colorado, exist by the end of 2018, increasing the on how we use in everyday number of people who need to purchase ACA-compliant plans. The retention of bar exam essay questions grandmothered plans has benefited health plans that were already in day to place prior to 2014, since enrollees on grandmothered plans had to go through underwriting to colorado bar exam essay questions, obtain their coverage; on the other hand, new insurers like CO-OPs have had to contend with a population that’s less healthy than expected, partly because people with grandmothered plans have not yet all transitioned to ACA-compliant plans. In short, it’s too soon to know how the CO-OPs will fare. Realism Thesis? With only four remaining as we head into the open enrollment period for 2018 coverage, the odds certainly haven’t seemed to be in their favor.
But some of them may experience long-term success and colorado questions, become integral parts of the health insurance landscape. In July 2015, Louisiana Health Cooperative announced that it would cease operations as of the end of 2015. LHC was the second CO-OP to fail; CoOpportunity, which served Nebraska and Iowa, received liquidation orders from state regulators in February. At the end of August, the Nevada Health CO-OP announced they would also close at scholarships, the end of colorado bar exam essay questions 2015. And in September, New York officials announced that Health Republic of remember essay New York, the nation’s largest CO-OP, would begin winding down operations immediately, and that individual Health Republic of NY policies would terminate at the end of 2015. On October 1, 2015 the essay questions federal government notified health insurance carriers across the country that risk corridors payments from 2014 would only amount to 12.6 percent of the total owed to the carriers. Realism Thesis? The program is budget neutral as a result of the 2015 benefit and payment parameters released by HHS in March 2014. And the “Cromnibus bill” that was passed at colorado questions, the end of 2014 eliminated the possibility of the risk corridors program being anything but budget neutral, despite the essay fact that HHS had said they would adjust the program as necessary going forward. But very few carriers had lower-than-expected claims in 2014. So the payments into the risk corridors program were far less than the colorado bar exam essay amount owed to carriers – and the result is that the carriers essentially get an oedipus essay, IOU for a total of $2.5 billion that may or may not be recouped with 2015 and 2016 risk corridors funding (risk corridors still have to essay, be budget neutral in 2015 and 2016, so if there’s a shortfall again, carriers would fall even further into the red).
Many health insurance carriers – particularly smaller, newer companies – are facing financial difficulties as a result of the risk corridors shortfall. CO-OPs are particularly vulnerable because they’re all start-ups and soccer, tend to be relatively small. All of the CO-OPs that have announced closures since October 1 have attributed their failure to the risk corridor payment shortfall. On October 9, Kentucky Health CO-OP announced that their risk corridors shortfall was simply too significant to overcome. (The CO-OP was supposed to receive $77 million, but was only going to get $9.7 million as a result of the shortfall.) The CO-OP will not offer plans for 2016, and their 2015 policies will terminate at essay, the end of the day to year. This means about 51,000 people in Kentucky will have to shop for colorado bar exam essay questions new coverage for oedipus argumentative 2016, as they will not be able to keep their Kentucky Health CO-OP plans. And then on October 14, Tennessee regulators announced that Community Health Alliance would also close at the end of the colorado questions year. CHA stopped enrolling new members in January 2015, but it had planned to sell policies during the realism thesis 2016 open enrollment period, albeit with a 44.7 percent rate increase.
Ultimately, the risk of the CO-OP’s failure in bar exam essay questions 2016 was too great, and it will wind down operations by the end of the realism thesis year instead. Two days later, on October 16, Colorado Health OP was decertified from the exchange by the Colorado Division of colorado bar exam questions Insurance, resulting in the CO-OP’s demise; Colorado Health OP’s 80,000 individual members will all need to transition to new carriers for 2016. Almost immediately after that, Oregon’s Health Republic Insurance, also a CO-OP, announced that it would not offer 2016 plans, and introduction, would wind down its operations by the end of 2015. Health Republic currently has 15,000 members. On October 22, The South Carolina Department of Insurance announced that Consumers Choice would voluntarily wind down its operations by year-end, and would not sell plans for 2016. Consumers Choice was run by the same CEO – Jerry Burgess – as Community Health Alliance in essay Tennessee. 67,000 Consumers Choice members will need to english structure, switch to a new carrier for 2016.
The South Carolina Department of Insurance has put together a series of FAQs for impacted plan members. On October 27, the Utah Insurance Department announced that they are placing Arches Health Plan in receivership, and the carrier will wind down operations by colorado bar exam questions, the end of the year. Arches Health Plan garnered roughly a quarter of Utah’s exchange market share in oedipus argumentative 2015, but those enrollees will need to switch to colorado essay questions, a new carrier for 2016. On October 30, just two days before the start of the essay we use math 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus would cease selling and renewing coverage, and existing plans would terminate at the end of colorado bar exam essay 2015. Healthcare.gov removed Meritus plans from the exchange website, and current enrollees – who comprise roughly a third of the private plan enrollees in the Arizona exchange – will need to obtain new coverage for 2016. Meritus was unique in that they allowed people to english structure introduction, enroll off exchange year-round up until late-summer 2015. Colorado Essay? They were also among very few CO-OPs that had requested a rate increase of less than ten percent for 2016. Open enrollment began on November 1, and coverage was still available at that point from the remaining 12 CO-OPs.
But on November 2, it became clear that Consumers Mutual of on cancer Michigan was in financial trouble. The carrier announced that they would not offer plans in the exchange in 2016, although at that point, there was still a possibility that they would continue to offer plans outside the exchange. But on November 4, they announced that they would wind down their operations by the end of the year, and all 28,000 members would need to find new coverage for 2016. In May 2016, state regulators in Ohio announced that InHealth Mutual would shut down and that members would have a 60 day special enrollment period to select a new plan. In July 2016, state regulators in Connecticut announced that HealthyCT would shut down at the end of 2016 (employer groups were able to bar exam, keep their coverage through the renewal date in 2017, as long as the plan’s renewal date in 2016 was July or earlier). In July 2016, state regulators in Oregon announced that Oregon Health CO-OP would shut down at the end of July 2016. In July 2016, state regulators in Illinois announced that they were beginning the process of scholarships taking over Land of Lincoln Health and winding down the CO-OP’s operations. A special enrollment period was created for the CO-OP’s 49,000 enrollees. In September 2016, state regulators in New Jersey placed Health Republic Insurance of New Jersey into colorado questions, rehabilitation, and the CO-OP ceased selling new plans. Health Republic’s existing plans terminated at the end of 2016.
In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of 2017. At that point, they intended to argumentative, transition to a for-profit insurance company (Minuteman Insurance Company). However, they were unable to raise enough capital by the August 2017 deadline for securing a license for 2018, and will thus not re-open as a for-profit insurer. Minuteman Health is in receivership, and enrollees will need to obtain new coverage during open enrollment in essay the fall of 2017. In July 2017, Maryland regulators issued an administrative order blocking Evergreen Health from selling or renewing any plans (they only had group plans in on cancer force at that point, having terminated individual market plans at the end of 2016). The order notes that it’s expected that the colorado essay process will culminate in receivership. Louise Norris has been writing about health insurance and healthcare reform Read more. RT @LouiseNorris: 1. Avg rate increase in Nevada 31.6%, but for the only returning carrier in the exchange, it's 36.8% https://t.co/AYXmXMK…
After subsidy, Minnesota health exchange insurance rates largely stable or dropping for 2018 | from @kpottermn… https://t.co/DabHX4CtIk. RT @LouiseNorris: If initiative is soccer approved, they have until April to get enough signatures to get it on colorado essay the ballot. Spread the word! https… Copyright ©1994-2017, healthinsurance.org llc, 5353 Wayzata Boulevard, Suite 300, St. Louis Park, MN 55416. For quote requests or help in purchasing insurance, call toll-free 1-855-367-0132. We Use Life? or use our quote form.
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essay plant The following are the prize winning essays from the essay competition held at Tashidingkha MSS in commemoration of Social Forestry Day 2014: We are not new to the fact that trees, humans and other organisms must coexist in harmony. Colorado Bar Exam Essay Questions! Trees are the soccer basic source of life. Forget the world; let us talk about our country.
The forest cover in Bhutan is providing us with all our fundamental needs and bar exam essay, other countless number of things. Others need not be mentioned, though equally important, we are being provided with free flowing water for agriculture and hydropower generation which is the heart of our country’s economy. In the last few decades, forest cover in Bhutan had been rapidly disappearing. In the 1960s Bhutan took a big leap towards modernization from essay, isolation. Tough not literally, we had been bringing destruction on our country ever since. “Modernization is replacing forest covers, with others not yet talked about.” That would be the most appropriate phrase to describe the chain of colorado bar exam questions events taking place in the country since then.
With modernization, population in Bhutan boomed, assisted by the boost of country’s economy and social services. This led to fragmentation of life free land and clearing of forests. Trees were, and are, being cut down extensively to meet the wants of the people. Moreover, higher demand for land for bar exam essay agriculture and other purposes are met with deforestation. We know, but we are not aware, that it’s just the waging wars against ourselves. While forest cover is disappearing the whole world is experiencing devastating natural disasters. Essay On Cancer Biology! We all know these are the consequences of essay our primitive careless manners. Some of these disasters are landslides, Glacial Lake Outburst Flood, etc. The world is realism thesis, working towards preserving what we are left with in unison.
It has now realized the fact that without trees no living beings can exist. The government of colorado essay Bhutan is also trying its best to conserve forests. If you plant a single tree for every one you cut, then the forest coverage will remain constant. If you cannot do that, at oedipus argumentative least plant a single tree every year. Plant trees for a green society, a green school, for a green Bhutan, for a green world, a green planet which is after all a better place to live in. As said by Lohn Keats, “A thing of beauty is a joy forever.” The thing which is beautiful lasts forever. Trees are one. According to English Oxford Student Learner’s Dictionary a tree means a plant that can live for long time. However, we must plant trees to questions keep them alive generation after generation. Otherwise they will disappear forever.
For every hard work there is reward. Realism Thesis! If we do hard work in planting trees then we will get rewards of fresh air, water, fruits, raw materials for making medicines and houses. Trees also provide continuous supply of water for generating electricity which can be used for domestic purposes as well as export to other countries. This generates income and increases our economy. For every action there is an equal and opposite reaction. If we conserve forest, the colorado bar exam essay result will be good, but if we destroy forest, then the result will be bad. Therefore, it is oedipus, better to conserve forest and make our country clean and green. In order, to conserve our forests, we have to stop shifting cultivation, deforestation, forest fire and lumbering. If we cut down a lot of trees, then the world climate will change.
Water sources will dry up, land will turn barren, air will get polluted, plants and animals will get extinct. To avoid such hazards, we must first of all educate our people about the importance of trees. Then we should teach them how to take care of our Mother Nature. Trees are our guardian deities and questions, protectors, as they shelter us from sun, rain and storm. We must look upon them with outmost respect and care. To achieve the goal of Green Bhutan, we must plant trees and take care of them throughout the realism thesis country. The Social Forestry Day reminds us of our co-existence with nature and inspires us to plant trees. Colorado Bar Exam Essay! So let us join hands today and do it. As quoted by a special day to remember essay Ralph Waldon Emerson, “Nature never hurries, atom by atom, little by colorado little, she achieves her work.” It is time for the Bhutanese people to think twice and work extra. The term “Green Bhutan” doesn’t only mean that the soccer scholarships color of the land should look green all over but it also refers to the happiness of each and every Bhutanese Citizen.
Directly or indirectly, trees are the smaller units of nature which helps to achieve this happiness. Why should people plant trees? They should plant trees because trees are the bar exam essay questions backbone of Bhutan’s economy. They also help in reduction of structure carbon dioxide in essay questions, the atmosphere. Forest helps in protection of rare species of the world which are endangered. Bhutan is known as one of the ten biological hot spots in the world due to its vast forest coverage.
So it is the soccer responsibility of each and every citizen to work together to uphold with the bar exam essay name. It is said that once Sahara desert was a thick forest but due to realism thesis over exploitation, it has now become the colorado bar exam essay questions world’s largest desert. I am sure that none of the Bhutanese would wantour rich forest to turn into poor deserts. So why not plant at least one tree by every citizen and increase the number? In terms of english essay structure introduction economy, trees not only contribute for electricity but also attract tourists from the colorado questions outside world in the country. Tourism is one of the largest income generating industries in Bhutan. Tourists visit Bhutan to take breathes of fresh air and essay on cancer, enjoy the beauty of green scenery and crystal clear water. Vegetation at Phobjikha in colorado bar exam essay questions, Wangdue is providing home for the black naked cranes which are rare on the earth. Bhutanese people are lucky to see many of the rare species of flora and fauna which are not seen in english introduction, other countries. Foreigners have to travel a long distance to come to Bhutan to colorado essay see those beautiful plants and day to, animals.
We know now that planting of trees has uncountable advantages for people. Questions! When a person plants a tree, it not only benefits that person but also many others. If all individuals in Bhutan plant trees, it produces a huge positive impact. Realism Thesis! So keep this in mind and colorado essay questions, plant trees for soccer scholarships Green Bhutan. We are fortunate to have DrukGyalpoJigmeSingayWangchuk as our fourth king because he was the one who inspired us to preserve our greatest treasure of green forest.
On His coronation day on June 2 we observe Social Forestry Day where we plant trees and pay respect to the Nature. Foreign people come from far away country to Bhutan because we haveelegant forest in our country. Even though our country is small and poor but because of nature we are popular and rich. His majesty DrukGyalpoJigmeSingayWangchuk, the king of Bhutan, has stated “Throughout the centuries, the Bhutanese have treasured their natural environment and have looked upon it as the source of life. We wish to continue living in harmony with nature and to pass on colorado bar exam this rich, heritage to essay on how we use life our future generations”. Bhutan is also one of the colorado bar exam essay first countries in the world to create trust fund dedicated to environment protection.
Being a Buddhist land Bhutan believes in giving back to nature what has been taken away and to respect all forms of life. If we don’t plant trees for green Bhutan now,we would regret in future when our country sees many Sahara Deserts. On How We Use Math! Long time back Sahara desert was not a desert but a beautiful forest with full of plants and animals.But soon it awfully turned into desert because of human greediness and wants for natural resources. If this happens in bar exam essay questions, our country, people would feel sad for what they have done to the forest. So we have to think twice, be cautious and take serious responsibility for saving our gift of beautiful nature. Being Bhutanese citizens, let us join our hands together and a special remember, work to make our homes, schools, country and earth green and colorado essay questions, beautiful by planting more trees. So, lastly my dear friends living on the earth as enthusiastic students, we should plant trees and preserve them for future generations. As a saying goes “one drop of water makes a mighty ocean, “by planting at least a single tree each year we can create a big forest.
Keep this in mind and act now before it is too late. Trees are basically a plant which is supposedly believed one of the a special day to remember oldest and clearly important features that have existed and still prevails on this earth abundant. In addition to its significant values of air and colorado bar exam essay, water for the rest of the depending creatures on earth, it also act as vital factor particular in beautifying mother earth and safe guarding her biodiversity. Bhutan is a country that religiously concern trees plus on the other hand depends profoundly on trees. ‘Green’ resembles the color of trees and structure introduction, is moreover a refreshing healthy color. “Just plant a tree and never on it let anyone pee”. Colorado Questions! People know the consequences of the absence of essay on cancer trees, they should know it. It would result in grave difficulties to colorado bar exam all being on earth. Have you ever questioned yourself about how difficult it would it is going to be if more trees disappear? Sometimes do some critical thinking. Trees have consequently started to decrease in quantity and devastating natural calamities are happening on mother earth due to human commercial and soccer, home uses.
Obviously we understand that trees wouldn’t ever extinct but never the less many unique and important species of trees are lost recently. So people must humbly appreciate the essay gift of nature in a cursory manner by simply planting trees. Bhutan being mountainous country, mountain would wear down due to the disappearance of realism thesis trees, since the bar exam essay trees make the essay we use math soil fixed using their roots. Questions! No mountains means no Bhutan because Bhutan is realism thesis, just a range of colorado bar exam mountain in small portion of the world. Bhutan is also one of the biological hotspots. Bhutan has been awarded recognition award for the beneficiary and protective works in conserving Mother Nature from United Nation Organization. Soccer Scholarships! In act beloved 4 th King of Bhutan should be appreciated by all the citizens for his responsibility in preserving the questions forest. The king has indeed done his part of responsibility in making beyond half of the country ‘Green’ and now the time has come for the people to maintain, conserve and remember, protect the trees. So, “Plant More Trees for Green Bhutan”.
As coded by Mahatma Gandhi, “Earth Provides Enough to Satisfy Every Man’s Needs, but Not Every Man’s Greed”. So Bhutan is one of the tenth “Biological Hotspots” in the world that means Bhutan is one of the bar exam essay questions areas with a richest biodiversity. It is mountainous country surrounded by beautiful forest. Bhutan’s forest cover is essay on cancer, 64% of our land. We are fortunate to be born on this green planet, earth, created by the gods. We all know that our natural world is a splash of eye catching colors and it is one of the most important natural resources, yet it is colorado, all up to us weather we want to essay on how preserve our forest or not before it turns into a barren land Sahara desert of Africa. Forest gives us fresh water and air to breathe to all living beings in this earth. In olden days people can live more than 80 years though there were no hospitals like present world. It is mainly because of forest which provides medicinal herbs like Om-rib (local medicinal) which is bar exam, used to treat fiver, lungs and scholarships, liver diseases and other such as Cordyceps (Yartse Geonbom) which can cure heart diseases and cancer, so it is colorado essay questions, a rear medicine found on the Himalayan mountain. We get wild food and fruits like mushrooms, asparagus, strawberry etc from the forest.
Our country is rich in forest. People export trees in on how we use math in everyday life, other countries and make an colorado bar exam essay economic for the country. So, as a saying, “If the structure introduction wealth is lost nothing is lost, if health is lost everything is lost”. Colorado Essay! Conservation of realism thesis forest doesn’t mean that we should not cut down the trees but we can manage and utilize in sustainable way. To keep our country green forever we must conserve our forest by following some of the ways such as reducing the number of cattle, harvesting trees in a selective way and stop shifting cultivation. Bar Exam! Our royal Government also carries out activities to safe our mother earth.
We have afforestation and reforestation program in realism thesis, our country. We celebrate 2 nd June as social forest day. Colorado Questions! Actually June 2 nd is a special day to, coronation day of His Majesty 4 th King. We celebrate the day by planting trees in our school. In order to maintain 64% of land under forest cover. As per the saying, “It is better to safe than sorry”. So look after our forest and environment before it is too late. Now we are facing different problems due to rapid growth of population, cut trees for building materials, construction of road though forest which damage the trees, shifting cultivation which causes forest fire and as a result it destroy animal life and create imbalance in ecosystem. Forest fire also causes soil erosion and landslides which damage our life and properties. Since the population of bar exam essay our country is growing rapidly they cut down lot of trees which absorbed carbon dioxide. Day by day the temperature of earth is increasing causing global warming which causes natural calamities.
Streams and river are drying, different varieties of diseases come up which damage our life and properties. Essay! Animals are disappearing which helps in balancing ecosystem. Now forest covers are reducing and it is our responsible to bar exam questions look after our natural environment, as a saying goes, “Time and Tide waits for none”. So, start working before it is too late. So lastly, plant is mankind, everything that we have comes from the Mother Nature. The foods that we eat, cloth that we have, the book that we are studying are all from essay introduction, plants products. As a saying goes, “Prevention is better the cure”. So now let us all join our hand to save our mother earth. -Essays Submitted by Sr.
Dzongkhag Forest Officer, Punakha.