
It will prove a point of reference to check your day-to-day decisions against your stated objectives.
It is also an essential document to put in front of your bank manager, especially when you are discussing finance.
No two business plans will be the same, and there are no set rules, but here, our consultant Graham Sanders, sets out some of the subjects and questions you should ask yourself when preparing a plan. He encourages you to think ahead at least six months, and to keep your business plan updated.
If you are buying or expanding a farm or rural business, why have you decided to do this?
If it is an existing business you want to buy, why do the present owners want to sell it?
What is the business that you are running or plan to start?
Who are the other key people? What experience do they bring to the business? What are their specialist skills or qualifications?
Are you taking on an existing business? If so, are there any staff you would like to continue to employ?
Does the market seem price sensitive– is there a lot of price cutting?
Who are your competitors? What do they charge?
What kind of business space do you need?
Should you buy, rent or lease? If you pay a premium for a lease, or buy a freehold, consider the effect this would have on your start-up costs. Would it be better for you to rent?
How much do you expect to pay for stocks or raw materials? Have you checked on reliable sources of supply and alternatives? Have you checked comparative costs?
How much credit can you obtain from suppliers – and for how long?
What level of sales do you expect to achieve over the first six months? What are you basing your sales assumptions on?
What will you charge compared with competitors, and why?
Work out your gross profit margin: in other words how much you expect to make on each sale.
Will your customers expect to buy from you on credit? How long will you have to wait for payment?
If you are purchasing an existing business, what are the previous owners charging compared to competitors? What credit terms have they received from suppliers? What credit terms have they given to customers? What is their gross profit margin? How could it be improved?
What will you need? Do you need vehicles?
Consider the best way of financing the equipment and vehicles you need. Should you buy outright with a bank loan or on HP, or would leasing suit you better?
When do you anticipate needing to expand, update or replace your equipment or vehicles?
If you are taking on an existing business, what equipment and stocks do they have? Can you make use of it? How many years of life has it left? Is the price realistic?
When you put a proposal to a bank manager asking for funding, you may often only get one chance. If you want to make sure your business plan will get a positive response from you bank manager, please contact us.
If you want to make sure your business plan will get a positive response from your bank manager, please give us a call or email us.Just a note to anyone in Southern Cal. I hope all is ok with everyone, and wish everyone a safe day.
Me too... I know Lory(Blue Leader) lives in Cucamonga.
I've heard word from a lot of people that everything is ok, although we're all gagging on smoke and ash. Lory and the guys in Rancho Cucamonga made it ok, although it was a close one.
The situation is far worse than a lot of the outside media is making it out to be. The fires are not just in outlying areas of SD. I just got back from San Francisco this afternoon and was surprised.
I'm wondering about one of my fellow SD members who just bought a house and moved to the Scripps Ranch area (one of the hardest hit) just 2 weeks ago.
We'll hang in there.I wouldn't buy it because I don't think our modern behavior should be dictated by morally relativizing ancient crimes.

&gt; But can’t seem to accept Columbus was just a product of his time rather than a unique monster.

He was both. Christopher Columbus as an individual was a terrible person, and we should not celebrate him.

Using various examples of brutality in Aztec culture to tar a whole continent of people is not the same.

&gt;Your modern day morals wants to classify one as a victim and the other as a victimizer. A closer analogy would be seeing one as a predator and the other as a predator. The strongest predator subjugated the weaker predator.

okay? what makes your modern morals more valid than mine?A diagram shows how El Niño is forecasted to affect winter weather in the U.S.
Predictions about the El Niño Southern Oscillation (ENSO) cycle and the complexity of the phenomenon itself can easily create confusion about its impacts on weather and the economy in the U.S. and around the world.
Daniel Vimont, an associate professor of atmospheric and oceanic sciences at the University of Wisconsin-Madison, shared a sobering perspective about ENSO in a Sept. 4, 2015 interview on Wisconsin Public Television's "Here and Now" program.
In the interview, Vimont gave a rough overview of how ENSO works, how monitoring data can help farmers in southeast Asia endure the impacts of a strong El Niño pattern, and of why predicting its impact in Wisconsin and the broader Midwestern U.S. isn't simple. He also spoke about why he finds ENSO so fascinating.
Vimont also points out in a recent Q&A with the Nelson Institute of Environmental Studies at UW-Madison, he doesn't see El Niño, despite its undeniable power, as an entirely bad occurrence.
The 2015-16 El Niño is comparable to 1982-1983 and 1997-1998 El Niños, which were the strongest in recent history.
El Niño's weather impacts are most significant in the south Pacific and can include a delay of the monsoon season in Indonesia, which can have a big impact on that nation's rice harvest.
El Niño periods generally are wetter in the southern U.S. and drier in the Pacific Northwest. This time around, Vimont said, the already very dry Pacific Northwest could be particularly susceptible to ENSO-driven drought conditions.
The Midwest faces ENSO effects, but they won't be the most pronounced in the U.S. Like many climatologists, Vimont hesitates to make strong predictions about the region.
ENSO might not be completely predictable, but with proper monitoring, some effects are predictable enough that climatologists can work with economists and agriculture officials to mitigate how the phenomenon harms crops.
Climate change doesn't cause El Niño, but climate change can affect El Niño. That said, ENSO is so variable that it's not always clear whether variations from one cycle to the next can be attributed to climate change.
Research-funding issues have recently disrupted some ENSO monitoring in large stretches of the tropical Pacific Ocean.
On the impacts of seemingly small variations in ocean temperature: "It's 2 to 3 degrees Celsius warmer than usual. That doesn't seem like much, but you have to keep in mind that the Pacific Ocean is the biggest ocean basin in the entire globe. This (El Niño) involves a complete reorganization of the entire climate system in the Pacific," he said.
On one handy metaphor for understanding ENSO: "Think of El Niño like loading the dice. Any year may be wet or dry, but when an El Niño happens, the chances are it's going to be a little more wet for California and so forth," he said.
On ENSO in the Midwest: "That loading-the-dice analogy? It's not very loaded around here," Vimont said.
On whether ENSO-driven rains can help agriculture and relieve drought in places like California: "That's good if that wetness comes as prolonged precipitation, but if it comes in torrential downpours, it's not good for anyone," he said.
On the broader societal importance of monitoring ENSO conditions: "It's critical that we can track the ongoing state of El Niño just so that we can help people prepare for it," he said.
Are there any mods that would let me hire Shane and/or Sam after the Joja Mart closes?

I think it would be cool if you could hire Shane and/or Sam after Joja Mart closes.  Giving them tasks to do like re-filling kegs, or processing animal stuff or whatever.  I went looking for a mod like that but the closest thing I found was Help for Hire, which allows you to hire unseen NPCs to do chores, but most of the chores are pretty basic and not something that would save me much time.  Anyone know if a mod like this exists?Yo-kai Watch (妖怪ウォッチ) is an anime based on the media franchise created by the Japanese video game developer Level-5. It was produced by OLM, Inc. The series originally aired in Japan between January 8, 2014 and March 30, 2018, consisting of 214 episodes. The series premiered in North America on Disney XD on October 5, 2015.
I got a new phone and i can’t log in to my Facebook it said incorrect password but I ha...
I got a new phone and can’t log into Facebook on my new phone. I can still log in...I got a new cell phone and I can’t log back