December 20, at 8: This paragraph last one in chapter 2. I am quoting it because the standard story, widely believed in, is that sea level rise is going to entirely eliminate small island states such as the Maldives and impose enormous costs on low lying countries, mostly Bangladesh.
Find an expert Running your own business is exciting and challenging all at once. A business plan will help you develop a crystal clear vision of your business and keep you focussed on your goals. Here are some tips you might like to consider to help you write a business plan.
Helps give clarity to your objectives and goals, and keeps you on track. Gives employees a strong sense of direction and purpose. Provides a yardstick against which you can measure progress. Helps give you credibility and legitimacy with your bank, investors, suppliers and others.
Overview Summarise the essence of your business. Business profile Give an overall description of what your business is and where you want it to go.
The market An assessment of your market, customers and competitors. Do a SWOT analysis. Sales and marketing Detail your sales, marketing, promotional, distribution, and pricing strategies.
Management and staff How will your business will be managed and staffed? Detail the responsibilities of key staff members. Operational plan Detail how your business will operate, include information about your premises, equipment, materials, licences, consents, insurance, suppliers and systems.
Finances and forecasting How is your business going to be viable? Provide profit and loss forecasting, cash flow, capital expenditure and information on how loans and investors will be repaid.
Continuity planning If disaster strikes, what is your contingency plan? Detail how you will keep your business operating. Consider having an independent professional help develop your business plan too; someone such as an accountant. It may carry more credibility, particularly if it includes cash flow forecasts that the professional can endorse.
Key points to include here are: Description — what your business does and the market in which you operate. Your customer — explain who they are, where they are and how your business will meet their needs. A good way to do this is a SWOT analysis for your business: Strengths — what does or will your business do well?
What makes you better than other businesses? Weaknesses — what doesn't your business do well at the moment and how will you improve this?
Opportunities — where are the areas for growth, both within and outside of the business? Threats — what are the external factors that could change or threaten your business? Consider what you will charge for your product or service, and what your sales targets are in order to break even.
Your plan should answer questions such as: Why should a customer choose you over a competitor? How will you measure the value of any sales promotion? What is your budget for sales and marketing?
How will you get repeat business? How can you collect useful data on your customers? For example, loyalty programmes, customer relationship management systems, online sales channels. How will you use this data to create targeted and relevant messages?
They make a big difference to your business performance. Think about questions such as: How will their experience and skills help you deliver? What knowledge or experience gaps do you have?
How will you fill those gaps? Where will you be located?Running your own business is exciting and challenging all at once. Whatever your goals, we’d like to help you get off to a great start.
A business plan will help you develop a crystal clear vision of your business and keep you focussed on your goals. Business Banking at Westpac offers a range of business banking services including bank accounts, credit cards, merchant services & business finance.
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As of March , Westpac has 14 million customers, and employs almost 40, people. Dec 21, · This is the bi-weekly visible open thread.
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2. The first step towards taking control of your money is to set up a budget. In this post I will show you exactly how to budget and give you the tips and tricks you .
Download our business plan template (Word, KB) and get started. Important information The information contained in this article is correct as of July and .