The issues about global warming and the effects of global warming are continuously under debate. Somehow the debate has made its way into virtually every aspect of our lives. There is even thought that the issues about global warming are also applicable to the beliefs that other beings from other planets were forced to make themselves to Earth as their planet began to deteriorate, due to global warming.
It is all around us. It is on the weather stations. It faces us when we decide to purchase a new car or even a cleaning product. The real issues come when trying to learn about global warming. There is a lot of conflicting information on the internet and there is not one group that can agree on all aspects of the global warming debate.
Over the past century, with out a doubt, global temperatures have risen. While the rise in temperature has been only a degree or so, the concern is whether the Earth's temperatures will continue to rise and what impact that will have on the environment. The controversy about the warming of the earth is a result of conflicting evidence.
The fact that global warming also occurred in the prehistoric era is a scientific point. Some think a large meteor hitting the planet caused an big change in the earth's temperature. Is that what killed the dinosaurs? Science cannot prove this conclusively yet. The political and industrial lobbies further complicate conversations about global warming. The contention of these groups is that, we currently do not know enough about the effects of global warming to limit industrial emissions.
When will we know the full facts about global warming and will the global warming issue be resolved anytime soon? Unfortunately the answer is no. There will continue to be studies performed and there will always be a measure of doubt clouding the minds of citizens around the world. Perhaps, when enough data comes through, we will be able to make a determination based on scientific fact rather than theory. Until then we can continue to monitor the progress of scientists and try to do our part in conserving the environment.
Sunday, February 24, 2008
Who Is Bob Miller
"I don't hate predators. If there weren't hawks in this country, those in other countries would show up here. Do not misinterpret "Hawk" to mean I approve of George W. Bush and Richard Cheney and their Hermann Goering protégés in the Pentagon. Bush is a mouth and a pen; he's in a different league altogether than his vice president. Cheney is a vulgar, immoral, sadistic subhuman."
It would be safe to say that Bob Miller doesn't like the Bush administration, nor does he take to kindly the war in Iraq. But why? A personal rift with the men at the top? Another rebel looking to make a name for himself by campaigning against authority? Or a talented author and political activist that gives his all for the chance to share his views and talk about what he perceives to be the 'evil' of the Bush family?
A loyal American citizen and Veteran of the Vietnam war, Bob Miller is also one of the country's leading authors, portraying both wit and humour amongst the most serious of all subject matter. In his latest book "Kill Me If You Can, You SOB", Bob draws on the entries he made in his diary during the height of the Vietnam war, expressing both comedy and horror in equal measure from the blindingly honest portrayal of military life at the time.
Having stood for the Senate back in 1992 as a Republican candidate, it's not as if Bob is leveraging Bush's foreign policy for political gain. More accurately Miller is determined to carry on his life's work in spreading the message of the evil and hatred propagated by the Bush regimes, and campaigning for an end to the aggressive foreign policy handling of the US authorities over the last half century.
Never afraid to speak his mind, Bob Miller has been made out to be a rebel and one of the more controversial modern writers, yet his aims are simple: to express his opinions about the underlying problems with the Bush administration, which in his eyes is driven by the greed and desire for personal wealth and power. Never has a writer crossed such difficult issues with the grace of Miller, avoiding political bias and focusing on the truth of the matter, particularly in "Kill Me If You Can".
Criticizing the Bush family and standing up against corruption since 1976, Bob Miller has been widely regarded as having extreme views on the war in Iraq, the real reasons behind the invasion and the link with 9/11, and was taken in for questioning by the US Secret Service back in 1990. Furthermore he has been slated in the media as a controversial figure for speaking the sometimes brutal truth about the current state of the American government. Yet unlike many of his peers Miller brings to the table an honesty and integrity that comes from first hand experience of the horrors of war and fighting for a thankless US government. Who is Bob Miller? You decide.
It would be safe to say that Bob Miller doesn't like the Bush administration, nor does he take to kindly the war in Iraq. But why? A personal rift with the men at the top? Another rebel looking to make a name for himself by campaigning against authority? Or a talented author and political activist that gives his all for the chance to share his views and talk about what he perceives to be the 'evil' of the Bush family?
A loyal American citizen and Veteran of the Vietnam war, Bob Miller is also one of the country's leading authors, portraying both wit and humour amongst the most serious of all subject matter. In his latest book "Kill Me If You Can, You SOB", Bob draws on the entries he made in his diary during the height of the Vietnam war, expressing both comedy and horror in equal measure from the blindingly honest portrayal of military life at the time.
Having stood for the Senate back in 1992 as a Republican candidate, it's not as if Bob is leveraging Bush's foreign policy for political gain. More accurately Miller is determined to carry on his life's work in spreading the message of the evil and hatred propagated by the Bush regimes, and campaigning for an end to the aggressive foreign policy handling of the US authorities over the last half century.
Never afraid to speak his mind, Bob Miller has been made out to be a rebel and one of the more controversial modern writers, yet his aims are simple: to express his opinions about the underlying problems with the Bush administration, which in his eyes is driven by the greed and desire for personal wealth and power. Never has a writer crossed such difficult issues with the grace of Miller, avoiding political bias and focusing on the truth of the matter, particularly in "Kill Me If You Can".
Criticizing the Bush family and standing up against corruption since 1976, Bob Miller has been widely regarded as having extreme views on the war in Iraq, the real reasons behind the invasion and the link with 9/11, and was taken in for questioning by the US Secret Service back in 1990. Furthermore he has been slated in the media as a controversial figure for speaking the sometimes brutal truth about the current state of the American government. Yet unlike many of his peers Miller brings to the table an honesty and integrity that comes from first hand experience of the horrors of war and fighting for a thankless US government. Who is Bob Miller? You decide.
Getting The Right Vacuum Cleaner For Your Home
Buying a vacuum cleaner might seem easy, but there are important issues to consider. These include price, features, and what type and size of house a person has. A large house needs a stronger vacuum if the house is carpeted. In addition, pets or children can affect how often a home is vacuumed and how hard a vacuum cleaner will need to work to ensure cleanliness. People with hardwood floors may also want vacuum cleaners, but they will likely be more interested in a canister vacuum as opposed to an upright. A canister vacuum is better designed to handle rugs and draperies, as well as upholstery. These kinds of vacuums do not do well, however, for individuals with wall to wall carpet, because their cleaning power is not the same.
The price of a vacuum cleaner is very important, but not to everyone. Some people have more money than others, and those who are rich simply buy what they want. For the majority of individuals, however, how much a vacuum cleaner costs affects whether a person buys it or not. In addition, many people look at the price of a vacuum cleaner based on several factors, such as the width of the cleaning path, the size of the motor, and what kinds of attachments come along with it. A vacuum with a stronger motor and more attachments should generally cost more. However, there are some discrepancies in price in almost any category of vacuum cleaner, and taking one’s time to find the best deal is often worth it.
The brand of vacuum cleaner that is purchased can also affect price and be very significant for many people. There are some people who swear by a particular brand and will not purchase anything else, just as there are some people who do not care what brand they buy, as long as it works well and is priced right. Most people fall somewhere in the middle. They have certain brands that they like, but they will pick from among those brands based on price and other factors. In addition, they might consider going outside of that group of brands if they find something that seems to be a particularly good deal, or if something else has been recommended to them from someone who they trust.
There are some vacuum choices that a lot of people do not consider, but which are still good options for many people. For those who have multi-story homes, having a vacuum cleaner on each floor is generally a good option, to avoid carrying a vacuum cleaner up and down stairs. Some of these individuals will opt to have a central vacuum cleaner installed in a home so that there is only a very lightweight hose to carry around when vacuuming. In addition, some people use a robotic vacuum if they have a small area of hard floor which they want to clean very easily. These are not designed for large areas, however, or for carpeted areas. There are so many choices for a vacuum cleaner today that people can generally find whatever it is that they are looking for, making their cleaning easier.
The price of a vacuum cleaner is very important, but not to everyone. Some people have more money than others, and those who are rich simply buy what they want. For the majority of individuals, however, how much a vacuum cleaner costs affects whether a person buys it or not. In addition, many people look at the price of a vacuum cleaner based on several factors, such as the width of the cleaning path, the size of the motor, and what kinds of attachments come along with it. A vacuum with a stronger motor and more attachments should generally cost more. However, there are some discrepancies in price in almost any category of vacuum cleaner, and taking one’s time to find the best deal is often worth it.
The brand of vacuum cleaner that is purchased can also affect price and be very significant for many people. There are some people who swear by a particular brand and will not purchase anything else, just as there are some people who do not care what brand they buy, as long as it works well and is priced right. Most people fall somewhere in the middle. They have certain brands that they like, but they will pick from among those brands based on price and other factors. In addition, they might consider going outside of that group of brands if they find something that seems to be a particularly good deal, or if something else has been recommended to them from someone who they trust.
There are some vacuum choices that a lot of people do not consider, but which are still good options for many people. For those who have multi-story homes, having a vacuum cleaner on each floor is generally a good option, to avoid carrying a vacuum cleaner up and down stairs. Some of these individuals will opt to have a central vacuum cleaner installed in a home so that there is only a very lightweight hose to carry around when vacuuming. In addition, some people use a robotic vacuum if they have a small area of hard floor which they want to clean very easily. These are not designed for large areas, however, or for carpeted areas. There are so many choices for a vacuum cleaner today that people can generally find whatever it is that they are looking for, making their cleaning easier.
Internet Marketing
Internet Marketing, also known as online marketing or emarketing, is the marketing of products or services over the internet. The internet has brought about quite a few exceptional advantages to marketing such as quick and economical mode of circulating large amount of information to a vast audience. It's interactive nature, both in terms of immediate response, and in drawing out response, are the sole of its kind attributes of this mode of marketing.
Internet marketing blends together creative and technical aspects of the internet, which covers design, development, advertising and sales. Some of it's methods include search engine marketing,blog marketing,viral marketing etc.Basically it involves the development and advertisement of an organization through online media. It does not simply mean developing and promoting a website. Rather a website is always created for a real organization having real goals.
Every minute detail of online advertising products, services, and websites, covering market research, email marketing, and direct sales are taken care of through various internet marketing strategies.Several industries including the advertising industry have been influenced by the internet marketing. It may appear comparitively an easy task to venture out into the scenario of online marketing.But one should never overlook the competitive edge,a sound business strategy offers in any kind of marketing. Of course the availabiltiy of latest and vast amount of information is one of the merits of this form of marketing.Here,the transaction is not restricted by business hours or days as a customer can access the internet ,study and verify the products, and even purchase them at any hour of any day.
Internet marketing also facilitates a company to cut down the expenses which it could otherwise incur on the salesforce.On the whole, internet marketing assists a business to spread out its wings from a local market to national and international market places. Moreover,it has a relatively low cost of entry when compared to any other form of the media.
Internet marketing has indeed become one of the major ways of making oneself known to the whole world. In fact in the present day scenario, there could be no better medium than this to market any kind of business
Internet marketing blends together creative and technical aspects of the internet, which covers design, development, advertising and sales. Some of it's methods include search engine marketing,blog marketing,viral marketing etc.Basically it involves the development and advertisement of an organization through online media. It does not simply mean developing and promoting a website. Rather a website is always created for a real organization having real goals.
Every minute detail of online advertising products, services, and websites, covering market research, email marketing, and direct sales are taken care of through various internet marketing strategies.Several industries including the advertising industry have been influenced by the internet marketing. It may appear comparitively an easy task to venture out into the scenario of online marketing.But one should never overlook the competitive edge,a sound business strategy offers in any kind of marketing. Of course the availabiltiy of latest and vast amount of information is one of the merits of this form of marketing.Here,the transaction is not restricted by business hours or days as a customer can access the internet ,study and verify the products, and even purchase them at any hour of any day.
Internet marketing also facilitates a company to cut down the expenses which it could otherwise incur on the salesforce.On the whole, internet marketing assists a business to spread out its wings from a local market to national and international market places. Moreover,it has a relatively low cost of entry when compared to any other form of the media.
Internet marketing has indeed become one of the major ways of making oneself known to the whole world. In fact in the present day scenario, there could be no better medium than this to market any kind of business
The Origins Of The CRM Revolution
There are many things behind the CRM onslaught that is taking place today. This comes mostly, though, from customer demand, and from the realization by companies that they must pay more attention to their customer through CRM if they want those customers to return. Without return business, a company can die out very quickly. There are usually new customers as well, but there are only so many people that will try a product in a given area of the country or on the Internet. Because of that, it would be quite easy for a company to run into a very serious problem if that company did not take the time to cultivate its customers through CRM and be sensitive to the way that they feel. This lack of regard for customer feelings could easily damage the relationship between the company and the customers, and rebuilding that relationship takes much more work than simply keeping the relationship intact in the first place.
This understanding about how important CRM actually is did not just come about through company realization, however. It also came about because customers began to stand up and express their displeasure with companies because those companies were very careless with the way that customers were treated. Their requests were repeatedly ignored, the companies did not ask for feedback, and customer service became a joke, not an option. With CRM, however, that has all changed. This new software � abbreviated from customer relationship management � is designed to keep more than just names and addresses. It does this as well, but it also works with much more than that. In addition to remembering the customers� personal information, CRM software remembers important dates like birthdays and anniversaries, and keeps track of appointments, purchases, returns, calls to customer service numbers, answers to surveys, and countless other bits of information that can all be used to give the customer a better experience with the company.
For companies who use CRM and are committed to their customers, customer retention is generally much higher. When a person is aware that a company cares about him or her and what he or she thinks, there is a higher chance that the customer is going to continue to return to that company in the future. Naturally, this will not work for everyone, but many people feel strongly enough about this kind of interest in their lives and their feelings that they will be more likely to come back to a company that uses CRM as opposed to a company that does not. This CRM revolution was generally started by the customers and their willingness to voice what they needed, and then the companies took over the idea and realized how much it could do for them. This was the vital link in the chain between knowing about CRM and actually being aware of what it was able to do for companies and their customers. The CRM revolution, therefore, will generally continue to grow based on the fact that companies have now seen what it can do for them. Now that they know, they will not relinquish this kind of technology and business advantage.
This understanding about how important CRM actually is did not just come about through company realization, however. It also came about because customers began to stand up and express their displeasure with companies because those companies were very careless with the way that customers were treated. Their requests were repeatedly ignored, the companies did not ask for feedback, and customer service became a joke, not an option. With CRM, however, that has all changed. This new software � abbreviated from customer relationship management � is designed to keep more than just names and addresses. It does this as well, but it also works with much more than that. In addition to remembering the customers� personal information, CRM software remembers important dates like birthdays and anniversaries, and keeps track of appointments, purchases, returns, calls to customer service numbers, answers to surveys, and countless other bits of information that can all be used to give the customer a better experience with the company.
For companies who use CRM and are committed to their customers, customer retention is generally much higher. When a person is aware that a company cares about him or her and what he or she thinks, there is a higher chance that the customer is going to continue to return to that company in the future. Naturally, this will not work for everyone, but many people feel strongly enough about this kind of interest in their lives and their feelings that they will be more likely to come back to a company that uses CRM as opposed to a company that does not. This CRM revolution was generally started by the customers and their willingness to voice what they needed, and then the companies took over the idea and realized how much it could do for them. This was the vital link in the chain between knowing about CRM and actually being aware of what it was able to do for companies and their customers. The CRM revolution, therefore, will generally continue to grow based on the fact that companies have now seen what it can do for them. Now that they know, they will not relinquish this kind of technology and business advantage.
What CRM Software Can Do For Your Business
For the salespeople who work at a business and the individuals who own that business, CRM software can be very helpful. However, a lot of people do not realize the importance of CRM software so they do not use it. Other people think that CRM software is too hard for them to use, so they choose to use a different method of keeping track of their clients. If it is too hard to use, people will avoid it, and they will find other ways of keeping track of customers. Other ideas for tracking customers may not be as effective as CRM software solutions, however. Still other individuals may be concerned that CRM software is too costly for them, so they decide it is not cost-effective for their business. Despite some concerns, CRM software is generally the right choice for most businesses, because it works extremely well at keeping track of clients and their information.
The most important thing that CRM software can do for a business is to keep it organized. One of the most vital parts of the life of a business is clients and the information which is collected about them. Even a small business must make sure that these clients are kept organized. These clients can get lost in the paperwork and other issues that a business must handle, and this causes them to be neglected and ignored. With CRM software, though, there is much less worry about the clients and their information. CRM software is also very good for keeping client information protected and safe. By doing this, the company is better protected from future problems. Also, many clients feel more comfortable in working with the company. Any sensitive information that is provided to the company will not be lost or compromised.
For the salesperson, CRM software is also a good tool. It helps to keep them prepared every day for what they must do. People who work in sales spend a lot of their day just preparing for the next day. They are also concerned about forgetting clients or forgetting appointments. By using CRM software, they reduce the chances of these kinds of problems taking place. Everything that the salesperson needs to know about the client and everything that has to be remembered can be easily stored. Having a salesperson who will not learn the system and use it is basically the only disadvantage to CRM software. This, however, would be the fault of the salesperson, not the fault of the software.
CRM software is one of the best ways to build business in many companies. Not all companies will use this software, but those that do find that their business has been improved. Those who need reassurance that they matter to the company can receive this, and salespeople can enjoy better interaction with the clients that they have. When they get that, they want to come back. They feel that they are valued, and they think that their opinions, ideas, and business are important to the company, as well.
The most important thing that CRM software can do for a business is to keep it organized. One of the most vital parts of the life of a business is clients and the information which is collected about them. Even a small business must make sure that these clients are kept organized. These clients can get lost in the paperwork and other issues that a business must handle, and this causes them to be neglected and ignored. With CRM software, though, there is much less worry about the clients and their information. CRM software is also very good for keeping client information protected and safe. By doing this, the company is better protected from future problems. Also, many clients feel more comfortable in working with the company. Any sensitive information that is provided to the company will not be lost or compromised.
For the salesperson, CRM software is also a good tool. It helps to keep them prepared every day for what they must do. People who work in sales spend a lot of their day just preparing for the next day. They are also concerned about forgetting clients or forgetting appointments. By using CRM software, they reduce the chances of these kinds of problems taking place. Everything that the salesperson needs to know about the client and everything that has to be remembered can be easily stored. Having a salesperson who will not learn the system and use it is basically the only disadvantage to CRM software. This, however, would be the fault of the salesperson, not the fault of the software.
CRM software is one of the best ways to build business in many companies. Not all companies will use this software, but those that do find that their business has been improved. Those who need reassurance that they matter to the company can receive this, and salespeople can enjoy better interaction with the clients that they have. When they get that, they want to come back. They feel that they are valued, and they think that their opinions, ideas, and business are important to the company, as well.
Web-Programming: An Alternative To Unproductive Advertising
As of this writing the television writers in Hollywood are on strike. The significance of this strike will be felt far beyond the current television season and impact what and where people will get their entertainment in the future. People are now not only embracing the Web for their information needs but are also increasingly turning to it for their entertainment needs as well.
The Web will soon be 'the place' that fills the programming vacuum that network broadcasters have been unwilling and/or unable to fulfill. People were prepared to tolerate constant reruns, dreadful programming, and incessant repetitive ads as long as there was no alternative, but that is no loner the case. Viewers now have an option to bad television and it's the Web, but why should you care and more importantly how can you take advantage of the opportunity it creates?
Why Should You Care?
Information and entertainment have melded in recent years creating what has been dubbed 'infotainment.' It can be argued that the evening news has become more entertainment than hard news and let's not even get into venues like the History Channel where fact and fiction seem to be presented in equal and indistinguishable doses. So what does all this have to do with you and how you deliver your marketing message?
The time is coming, if it is not here already, that companies will not be able to get away with merely uploading online brochures and catalogues, or even extensive screeds singing the praises of every feature and benefit associated with their offering. People demand more, they insist your website be interesting, informative, and entertaining; and it is this aspect of entertainment that potentially makes your marketing presentation memorable.
What Is Web-Programming?
Web-programming takes the creative Web-video campaign concept and pushes it one step further up the evolutionary marketing scale by integrating the message into a programming environment.
This concept is not an entirely new idea, in fact one of the most noted television commercial campaigns of 1991 was the Taster's Choice soap opera-like series of spots that wove the marketing message into a courtship relationship between two apartment neighbors. In an environment where information and entertainment blur, it seems like an ideal solution to capturing an audience's attention and interest, and creating a viral buzz that few products or services can generate by presenting a bulleted list of features.
Build Brand Relationships
James E. Aisner, in his article 'More Than A Name: The Role of Brands in People's Lives' (HBS Working Knowledge For Business Leaders) references the research of Harvard Business School Professor, Susan M. Fournier, "Fournier has created a typology of fifteen different types of relationships between consumers and their brands." These brand relationships include the secret affair, the best friend, kinship, the fling, courtship, the marriage-of-convenience, casual friendship, childhood friendship, mother and child, and master-slave.
What kind of relationship does your brand have with your audience? Is it a short-term fling that starts with a lot of heat and passion and then quickly cools-off, or is it a long-term marriage that will last a lifetime? Finding, and promoting the most appropriate and beneficial brand relationship is the marketing goal of your Web-programming marketing initiative.
Part of the problem many smaller organizations have in developing successful marketing campaigns is that they think in terms of products and services rather than brands; features and benefits rather than relationships. Almost every product or service on the market can be replaced with a competitive substitute, but brands are much harder to replace; brands create a competitive barrier through the development of relationships based on prototypical psychological and emotional factors, the same kinds of factors that govern your personal relationships.
Generate Trust, Confidence, Loyalty and Passion
In his article, "A Brand New You," (Psychology Today), W. Eric Martin tells us that brands came into vogue in the post Civil War era as a response to an increasing mobile population that began to lose touch with local merchants and shopkeepers. Brands became a substitute for the personal relationships that people had with their suppliers. This seemingly minor historic fact helps us understand the significance of brands in today's Web-centric marketplace.
Today's consumer-client, whether retail or business-to-business is more remote, more isolated from the supplier than ever before. The Web allows us to market our products and services anywhere in the world, but in order to actually make a sale, we must establish a relationship that generates a sufficient level of trust, confidence, loyalty and passion. Sneer if you will at the passion and loyalty most Macintosh users have for their computers, but what other computer company can claim such brand allegiance?
Relationships Are Based On Psychological Needs
At the heart of any relationship is the emotional or psychological need that that relationship fulfills. If you haven't found that connection in what you do then you are at a definite competitive disadvantage; and you are competing on the most fickle and transient of factors: price and features. In business, there will always be someone who is prepared to sell a substitute product or service for less, or with more bells and whistles. So why would you ever want to compete on that basis?
It really doesn't matter what business you're in, there is always some emotional or psychological component to what you do. The iPod is the market leader in its category despite numerous competitors; it holds that position not because it's the cheapest, which it definitely isn't, or the product with the most features, which it probably is, but because it's an iPod - not a tool but a status symbol, a badge of intelligence and taste, a brand relationship akin to being a member of the coolest club in town.
Web-programming Development
In short, Web-programming is a marketing campaign based on a series of episodic Web-videos tied together by plotline and character development; an ongoing initiative that weaves into its storyline the
The Web will soon be 'the place' that fills the programming vacuum that network broadcasters have been unwilling and/or unable to fulfill. People were prepared to tolerate constant reruns, dreadful programming, and incessant repetitive ads as long as there was no alternative, but that is no loner the case. Viewers now have an option to bad television and it's the Web, but why should you care and more importantly how can you take advantage of the opportunity it creates?
Why Should You Care?
Information and entertainment have melded in recent years creating what has been dubbed 'infotainment.' It can be argued that the evening news has become more entertainment than hard news and let's not even get into venues like the History Channel where fact and fiction seem to be presented in equal and indistinguishable doses. So what does all this have to do with you and how you deliver your marketing message?
The time is coming, if it is not here already, that companies will not be able to get away with merely uploading online brochures and catalogues, or even extensive screeds singing the praises of every feature and benefit associated with their offering. People demand more, they insist your website be interesting, informative, and entertaining; and it is this aspect of entertainment that potentially makes your marketing presentation memorable.
What Is Web-Programming?
Web-programming takes the creative Web-video campaign concept and pushes it one step further up the evolutionary marketing scale by integrating the message into a programming environment.
This concept is not an entirely new idea, in fact one of the most noted television commercial campaigns of 1991 was the Taster's Choice soap opera-like series of spots that wove the marketing message into a courtship relationship between two apartment neighbors. In an environment where information and entertainment blur, it seems like an ideal solution to capturing an audience's attention and interest, and creating a viral buzz that few products or services can generate by presenting a bulleted list of features.
Build Brand Relationships
James E. Aisner, in his article 'More Than A Name: The Role of Brands in People's Lives' (HBS Working Knowledge For Business Leaders) references the research of Harvard Business School Professor, Susan M. Fournier, "Fournier has created a typology of fifteen different types of relationships between consumers and their brands." These brand relationships include the secret affair, the best friend, kinship, the fling, courtship, the marriage-of-convenience, casual friendship, childhood friendship, mother and child, and master-slave.
What kind of relationship does your brand have with your audience? Is it a short-term fling that starts with a lot of heat and passion and then quickly cools-off, or is it a long-term marriage that will last a lifetime? Finding, and promoting the most appropriate and beneficial brand relationship is the marketing goal of your Web-programming marketing initiative.
Part of the problem many smaller organizations have in developing successful marketing campaigns is that they think in terms of products and services rather than brands; features and benefits rather than relationships. Almost every product or service on the market can be replaced with a competitive substitute, but brands are much harder to replace; brands create a competitive barrier through the development of relationships based on prototypical psychological and emotional factors, the same kinds of factors that govern your personal relationships.
Generate Trust, Confidence, Loyalty and Passion
In his article, "A Brand New You," (Psychology Today), W. Eric Martin tells us that brands came into vogue in the post Civil War era as a response to an increasing mobile population that began to lose touch with local merchants and shopkeepers. Brands became a substitute for the personal relationships that people had with their suppliers. This seemingly minor historic fact helps us understand the significance of brands in today's Web-centric marketplace.
Today's consumer-client, whether retail or business-to-business is more remote, more isolated from the supplier than ever before. The Web allows us to market our products and services anywhere in the world, but in order to actually make a sale, we must establish a relationship that generates a sufficient level of trust, confidence, loyalty and passion. Sneer if you will at the passion and loyalty most Macintosh users have for their computers, but what other computer company can claim such brand allegiance?
Relationships Are Based On Psychological Needs
At the heart of any relationship is the emotional or psychological need that that relationship fulfills. If you haven't found that connection in what you do then you are at a definite competitive disadvantage; and you are competing on the most fickle and transient of factors: price and features. In business, there will always be someone who is prepared to sell a substitute product or service for less, or with more bells and whistles. So why would you ever want to compete on that basis?
It really doesn't matter what business you're in, there is always some emotional or psychological component to what you do. The iPod is the market leader in its category despite numerous competitors; it holds that position not because it's the cheapest, which it definitely isn't, or the product with the most features, which it probably is, but because it's an iPod - not a tool but a status symbol, a badge of intelligence and taste, a brand relationship akin to being a member of the coolest club in town.
Web-programming Development
In short, Web-programming is a marketing campaign based on a series of episodic Web-videos tied together by plotline and character development; an ongoing initiative that weaves into its storyline the
About Essential Fatty Acids and Fish Oil
By now, most of us have heard of essential fatty acids (EFAs) and their potential health benefits. They’re said to sustain cognitive function and memory, benefit the heart and immune system, aid in cell reproduction and repair, and even help balance hormones. Fish oil, duly noted by the medical community as having similar benefits, contains high levels of omega-3 essential fatty acids, thus establishing the link between a daily regimen of fish oil and good health. Fish oil is sold in the U.S. as a dietary supplement and comes in both liquid and capsule form.
What are essential fatty acids?
Essential fatty acids are unsaturated fats typically found in the oils of vegetables, certain nuts and seeds and some fish. They’re said to benefit health more than the saturated fats found in meat and dairy products and may even have a positive impact on cholesterol and triglyceride levels in the blood. Essential fatty acids are referred to as "essential" because they must be obtained through diet and are essential to the normal growth and function of muscles, nerves, cells and organs in humans. There are two families of essential fatty acids, omega-3 fatty acids and omega-6 fatty acids.
Omega-3 fatty acids – the fatty acids found in fish oil
Omega-3 fatty acids are a type of polyunsaturated fat present in many coldwater fish including trout, salmon, sardines, anchovies, herring, mackerel, tuna and cod. The two most potent forms of omega-3 fatty acids are eicosapentaenoic acid (EPA) and docosahexanoic acid (DHA), both known as "good fats" – unlike saturated fats, which when consumed in excess can lead to cardiovascular problems, neural and brain disorders.
EPA helps to produce the prostaglandins (hormone-like substances) which help control blood-clotting and arterial functions. EPAs may also help to lower serum triglyceride levels.
DHA is a major component of human brain and retinal tissue and aids the transmission of nerve impulses.
The term "omega-3 essential fatty acid" has become synonymous with "fish oil" in modern American marketing literature.
Sources of omega-3 essential fatty acids other than fish oil include, but are not limited to:
• Avocadoes (whole or oil)
• Brazil nuts
• Flaxseed
• Flaxseed oil
• Fortified milk products
• Hempseeds
• Hempseed oil
• Omega-3 eggs
• Pumpkin seeds
• Sesame seed
• Soybean oil
• Walnuts
• Wheat germ oil
Omega-6 fatty acids – not found in fish oil
Omega-6 EFAs are found in animal products such as dairy and meat and are common in cooking oils such as safflower, olive, sunflower, hemp, soybean, pumpkin, sesame, walnut and flaxseed oils. Too many omega-6 EFAs, say nutritionists, can throw off the balance of prostaglandins and lead to health problems. Experts recommend a ratio of three parts omega-3 essential fatty acids to every one part omega-6 fatty acid in the diet. Research indicates that Americans consume far more omega-6 fatty acids than omega-3 as a result of overindulging in fried foods, red meat and cheese.
Omega-6 fatty acids are dependent on interactions with omega-3 essential fatty acids in order to benefit good health, which is why a balance of the two is crucial in the diet. The American Heart Association cautions against a high dietary intake of omega-6 fatty acids as it can lead to the development of gallstones and promote tumors.
Prostaglandins
Prostaglandins encompass a number of hormone-like substances found in every cell in the body. They’re critical to the dilation and constriction of blood vessels, the contraction and relaxation of muscles, the regulation of blood pressure and the modulation of inflammation. Prostaglandins are needed for overall good health and maintenance and must be replenished constantly. It’s easy to understand why having a good balance of prostaglandins in the body is essential to well-being.
Where does fish oil come from?
Most fish oil is extracted from the fatty flesh of the fish, unless a product specifically states otherwise, as is the case with cod liver oil or shark liver oil – extracted from fish liver. Nutritious fish oil is usually derived from deep, coldwater fish and those swimming in the wild (wild fish eat other fish and marine animals and vegetation to survive, whereas farm-raised fish are typically fed some type of less nutritious, less expensive, commercial-grade pellet). Some experts say the best fish comes from the deep Atlantic of Norway and other Scandinavian countries: the deeper and colder the water, say experts, the less chance of toxins such as mercury, lead, dioxins, furans and PCBs occurring in the fish oil. Fish from eastern Pacific waters is known to contain elevated levels of mercury.
Fish oil supplements – good ones / bad ones
"Product disclosure" is the operable phrase when seeking out nutritious fish oil supplements. From what kind of fish is the oil extracted and from where is it extracted naturally through pressing or with a centrifuge; or are petrochemical solvents such as hexane used to extract the oil from the source? How is the fish oil refined? Is it molecularly distilled, which to date is the most reliable form of fish oil purification, or does the label read something like "extra-distilled" or "super-distilled?" Such terms have no bearing on quality or safety. Because the hundreds of thousands of fish oil supplements on the market remain unregulated by the FDA, the safety, consistency, efficacy and strength of these products varies immensely among brands.
When reading fish oil supplement labels:
• Make sure the type of fish from which the fish oil is extracted is listed.
• Look for terms "coldwater," "deep water" and "wild" as opposed to "farm-raised."
• In what ocean or hemisphere was the fish caught? North Atlantic, deep, coldwater is said to be the most nutritious.
• Make sure the fish oil is molecularly distilled, which better ensures the absence of PCBs, heavy metals and other contaminants.
• What parts of the fish were used? Fish oils extracted from fish liver may be higher in heavy metals and contaminants.
• What fish oil extraction method was used? Cold or modified expeller pressing means that the oil was produced without damaging temperatures or unnecessary pressure.
Marketing claims that have no defined meaning in relation to fish oil supplements, and which often mislead consumers, include:
• Ultra-pure
• Professional grade
• Pharmaceutical grade
• High-potency
• Super-distilled
• Natural
• Extra-distilled
• Best
• Finest
• Highest quality
• Pure
• Purest
• Purified
Essential fatty acid health benefits and risks
Few argue the benefits of fish oil and essential fatty acids in the diet. Clinical studies have demonstrated that the omega-3 fatty acids can benefit cardiovascular health and that "good unsaturated fats" derived from vegetables and fish are far more nutritious than "bad saturated fats" which come from red meat, animal products and dairy. The cardiovascular benefits to balancing omega-3 and omega-6 fatty acids in the diet include lowered serum cholesterol, decreased serum trigylcerides and reduced platelet aggregation. Although many fish oil supplement companies claim that fish oil supplementation may aid brain function and strengthen the immune system, a complete body of evidence has yet to be produced.
Along with the health benefits of fish oil come some risks, most associated with taking too high doses of fish oil or having dangerously high levels of omega-3 and omega-6 essential fatty acids in the blood. Some of these risks can include:
• Thinning of the blood and reduced ability of the blood to clot.
• Increased risk of bleeding.
• Too large doses can increase glucose levels in persons with already elevated blood sugar levels.
• In excess, fish oil may suppress the immune system.
• Increase the occurrence of nosebleeds and easy bruising.
• Upset stomach, nausea, diarrhea and belching.
• Poisoning from heavy metals, PCBs, dioxins and pesticides.
Experts and nutritionists are convinced that the health benefits of fish oil far outweigh the risks. However, many warn that fish oil shouldn’t be taken with blood-thinning medication such as warfarin or aspirin and shouldn’t be taken by anyone with bleeding disorders or uncontrolled hypertension. It is highly advisable to consult a physician before supplementing a diet with fish oil.
EPAs, DHAs, efficacy and the FDA
In September of 2004, the FDA announced they would allow a qualified health claim for reduced risk of coronary heart disease for conventional foods that contain EPA and DHA omega-3 fatty acids as outlined in FDA’s "Interim Procedures for Qualified Health Claims in the Labeling of Conventional Human Food and Human Dietary Supplements." Notwithstanding inconclusive research at the time of release, the FDA said it would exercise its enforcement discretion with respect to the following qualified health claim:
"Supportive but not conclusive research shows that consumption of EPA and DHA omega-3 fatty acids may reduce the risk of coronary heart disease. One serving of [name of food] provides [x] grams of EPA and DHA omega-3 fatty acids. [See nutrition information for total fat, saturated fat and cholesterol content.]"
In 2000, the FDA announced a similar qualified health claim for dietary supplements containing EPA and DHA omega-3 fatty acids and the reduced risk of coronary heart disease (CHD). The FDA recommends that consumers not exceed more than a total of three grams per day of EPA and DHA omega-3 fatty acids, with no more than two grams per day from a dietary supplement.
Be sure to shop at www.vitacost.com for all your essential fatty acid and fish oil needs!
References
1. Supplement from the sea: the fat from fish oil can benefit your heart, eyes, joints, and brain. Tom Weede. Natural Health. Oct 2007 v37 i9 p105 (2).
2. Omega medicine. Is fish oil good for what ails you? Bonnie Liebman. Nutrition Action Healthletter. Oct 2007 v34 i8 p1 (5).
3. The government’s big fish story: Pick the perfect fish oil supplement. Men's Health. July-August 2007 v22 i6 p158.
4. Fish oil and brain development. Alan R. Gaby. Townsend Letter: The Examiner of Alternative Medicine. Oct 2007 i291 p49 (2).
5. Effects of fish oil supplementation on myocardial fatty acids in humans. R.G. Metcalf, M.J. James, R.A. Gibson. Alternative Medicine Review. Sept 2007 v12 i3 p307 (1).
6. Essential fatty acids. Douglas Dupler and Teresa G. Odle. The Gale Encyclopedia of Alternative Medicine. Ed. Jacqueline L. Longe. 2nd ed. Detroit: Gale, 2005. 4 vols. Updated July 1, 2006.
7. Mighty omegas (ways to score more essential fats). Nancy Duncan. Women's Health. Dec 2006 v3 i10 p47.
8. Essential fatty acids and eicosanoids: their role in preventing inflammation, cardiovascular disease and cancer. James Meschino. Dynamic Chiropractic. Dec 3, 2007 v25 i25 p28(3).
9. Fish oil. Mai Tran and Teresa Odle. The Gale Encyclopedia of Alternative Medicine. Ed. Jacqueline L. Longe. 2nd ed. Detroit: Gale, 2005. 4 vols. Updated July 1, 2006.
10. On call: Fish oil revisited. Staying Healthy from the Faculty of Harvard Medical School. August 21, 2006 pNA.
11. By the way, doctor: How much fish oil should I be taking? Staying Healthy from the Faculty of Harvard Medical School. August 21, 2006 pNA.
What are essential fatty acids?
Essential fatty acids are unsaturated fats typically found in the oils of vegetables, certain nuts and seeds and some fish. They’re said to benefit health more than the saturated fats found in meat and dairy products and may even have a positive impact on cholesterol and triglyceride levels in the blood. Essential fatty acids are referred to as "essential" because they must be obtained through diet and are essential to the normal growth and function of muscles, nerves, cells and organs in humans. There are two families of essential fatty acids, omega-3 fatty acids and omega-6 fatty acids.
Omega-3 fatty acids – the fatty acids found in fish oil
Omega-3 fatty acids are a type of polyunsaturated fat present in many coldwater fish including trout, salmon, sardines, anchovies, herring, mackerel, tuna and cod. The two most potent forms of omega-3 fatty acids are eicosapentaenoic acid (EPA) and docosahexanoic acid (DHA), both known as "good fats" – unlike saturated fats, which when consumed in excess can lead to cardiovascular problems, neural and brain disorders.
EPA helps to produce the prostaglandins (hormone-like substances) which help control blood-clotting and arterial functions. EPAs may also help to lower serum triglyceride levels.
DHA is a major component of human brain and retinal tissue and aids the transmission of nerve impulses.
The term "omega-3 essential fatty acid" has become synonymous with "fish oil" in modern American marketing literature.
Sources of omega-3 essential fatty acids other than fish oil include, but are not limited to:
• Avocadoes (whole or oil)
• Brazil nuts
• Flaxseed
• Flaxseed oil
• Fortified milk products
• Hempseeds
• Hempseed oil
• Omega-3 eggs
• Pumpkin seeds
• Sesame seed
• Soybean oil
• Walnuts
• Wheat germ oil
Omega-6 fatty acids – not found in fish oil
Omega-6 EFAs are found in animal products such as dairy and meat and are common in cooking oils such as safflower, olive, sunflower, hemp, soybean, pumpkin, sesame, walnut and flaxseed oils. Too many omega-6 EFAs, say nutritionists, can throw off the balance of prostaglandins and lead to health problems. Experts recommend a ratio of three parts omega-3 essential fatty acids to every one part omega-6 fatty acid in the diet. Research indicates that Americans consume far more omega-6 fatty acids than omega-3 as a result of overindulging in fried foods, red meat and cheese.
Omega-6 fatty acids are dependent on interactions with omega-3 essential fatty acids in order to benefit good health, which is why a balance of the two is crucial in the diet. The American Heart Association cautions against a high dietary intake of omega-6 fatty acids as it can lead to the development of gallstones and promote tumors.
Prostaglandins
Prostaglandins encompass a number of hormone-like substances found in every cell in the body. They’re critical to the dilation and constriction of blood vessels, the contraction and relaxation of muscles, the regulation of blood pressure and the modulation of inflammation. Prostaglandins are needed for overall good health and maintenance and must be replenished constantly. It’s easy to understand why having a good balance of prostaglandins in the body is essential to well-being.
Where does fish oil come from?
Most fish oil is extracted from the fatty flesh of the fish, unless a product specifically states otherwise, as is the case with cod liver oil or shark liver oil – extracted from fish liver. Nutritious fish oil is usually derived from deep, coldwater fish and those swimming in the wild (wild fish eat other fish and marine animals and vegetation to survive, whereas farm-raised fish are typically fed some type of less nutritious, less expensive, commercial-grade pellet). Some experts say the best fish comes from the deep Atlantic of Norway and other Scandinavian countries: the deeper and colder the water, say experts, the less chance of toxins such as mercury, lead, dioxins, furans and PCBs occurring in the fish oil. Fish from eastern Pacific waters is known to contain elevated levels of mercury.
Fish oil supplements – good ones / bad ones
"Product disclosure" is the operable phrase when seeking out nutritious fish oil supplements. From what kind of fish is the oil extracted and from where is it extracted naturally through pressing or with a centrifuge; or are petrochemical solvents such as hexane used to extract the oil from the source? How is the fish oil refined? Is it molecularly distilled, which to date is the most reliable form of fish oil purification, or does the label read something like "extra-distilled" or "super-distilled?" Such terms have no bearing on quality or safety. Because the hundreds of thousands of fish oil supplements on the market remain unregulated by the FDA, the safety, consistency, efficacy and strength of these products varies immensely among brands.
When reading fish oil supplement labels:
• Make sure the type of fish from which the fish oil is extracted is listed.
• Look for terms "coldwater," "deep water" and "wild" as opposed to "farm-raised."
• In what ocean or hemisphere was the fish caught? North Atlantic, deep, coldwater is said to be the most nutritious.
• Make sure the fish oil is molecularly distilled, which better ensures the absence of PCBs, heavy metals and other contaminants.
• What parts of the fish were used? Fish oils extracted from fish liver may be higher in heavy metals and contaminants.
• What fish oil extraction method was used? Cold or modified expeller pressing means that the oil was produced without damaging temperatures or unnecessary pressure.
Marketing claims that have no defined meaning in relation to fish oil supplements, and which often mislead consumers, include:
• Ultra-pure
• Professional grade
• Pharmaceutical grade
• High-potency
• Super-distilled
• Natural
• Extra-distilled
• Best
• Finest
• Highest quality
• Pure
• Purest
• Purified
Essential fatty acid health benefits and risks
Few argue the benefits of fish oil and essential fatty acids in the diet. Clinical studies have demonstrated that the omega-3 fatty acids can benefit cardiovascular health and that "good unsaturated fats" derived from vegetables and fish are far more nutritious than "bad saturated fats" which come from red meat, animal products and dairy. The cardiovascular benefits to balancing omega-3 and omega-6 fatty acids in the diet include lowered serum cholesterol, decreased serum trigylcerides and reduced platelet aggregation. Although many fish oil supplement companies claim that fish oil supplementation may aid brain function and strengthen the immune system, a complete body of evidence has yet to be produced.
Along with the health benefits of fish oil come some risks, most associated with taking too high doses of fish oil or having dangerously high levels of omega-3 and omega-6 essential fatty acids in the blood. Some of these risks can include:
• Thinning of the blood and reduced ability of the blood to clot.
• Increased risk of bleeding.
• Too large doses can increase glucose levels in persons with already elevated blood sugar levels.
• In excess, fish oil may suppress the immune system.
• Increase the occurrence of nosebleeds and easy bruising.
• Upset stomach, nausea, diarrhea and belching.
• Poisoning from heavy metals, PCBs, dioxins and pesticides.
Experts and nutritionists are convinced that the health benefits of fish oil far outweigh the risks. However, many warn that fish oil shouldn’t be taken with blood-thinning medication such as warfarin or aspirin and shouldn’t be taken by anyone with bleeding disorders or uncontrolled hypertension. It is highly advisable to consult a physician before supplementing a diet with fish oil.
EPAs, DHAs, efficacy and the FDA
In September of 2004, the FDA announced they would allow a qualified health claim for reduced risk of coronary heart disease for conventional foods that contain EPA and DHA omega-3 fatty acids as outlined in FDA’s "Interim Procedures for Qualified Health Claims in the Labeling of Conventional Human Food and Human Dietary Supplements." Notwithstanding inconclusive research at the time of release, the FDA said it would exercise its enforcement discretion with respect to the following qualified health claim:
"Supportive but not conclusive research shows that consumption of EPA and DHA omega-3 fatty acids may reduce the risk of coronary heart disease. One serving of [name of food] provides [x] grams of EPA and DHA omega-3 fatty acids. [See nutrition information for total fat, saturated fat and cholesterol content.]"
In 2000, the FDA announced a similar qualified health claim for dietary supplements containing EPA and DHA omega-3 fatty acids and the reduced risk of coronary heart disease (CHD). The FDA recommends that consumers not exceed more than a total of three grams per day of EPA and DHA omega-3 fatty acids, with no more than two grams per day from a dietary supplement.
Be sure to shop at www.vitacost.com for all your essential fatty acid and fish oil needs!
References
1. Supplement from the sea: the fat from fish oil can benefit your heart, eyes, joints, and brain. Tom Weede. Natural Health. Oct 2007 v37 i9 p105 (2).
2. Omega medicine. Is fish oil good for what ails you? Bonnie Liebman. Nutrition Action Healthletter. Oct 2007 v34 i8 p1 (5).
3. The government’s big fish story: Pick the perfect fish oil supplement. Men's Health. July-August 2007 v22 i6 p158.
4. Fish oil and brain development. Alan R. Gaby. Townsend Letter: The Examiner of Alternative Medicine. Oct 2007 i291 p49 (2).
5. Effects of fish oil supplementation on myocardial fatty acids in humans. R.G. Metcalf, M.J. James, R.A. Gibson. Alternative Medicine Review. Sept 2007 v12 i3 p307 (1).
6. Essential fatty acids. Douglas Dupler and Teresa G. Odle. The Gale Encyclopedia of Alternative Medicine. Ed. Jacqueline L. Longe. 2nd ed. Detroit: Gale, 2005. 4 vols. Updated July 1, 2006.
7. Mighty omegas (ways to score more essential fats). Nancy Duncan. Women's Health. Dec 2006 v3 i10 p47.
8. Essential fatty acids and eicosanoids: their role in preventing inflammation, cardiovascular disease and cancer. James Meschino. Dynamic Chiropractic. Dec 3, 2007 v25 i25 p28(3).
9. Fish oil. Mai Tran and Teresa Odle. The Gale Encyclopedia of Alternative Medicine. Ed. Jacqueline L. Longe. 2nd ed. Detroit: Gale, 2005. 4 vols. Updated July 1, 2006.
10. On call: Fish oil revisited. Staying Healthy from the Faculty of Harvard Medical School. August 21, 2006 pNA.
11. By the way, doctor: How much fish oil should I be taking? Staying Healthy from the Faculty of Harvard Medical School. August 21, 2006 pNA.
Business And Finance
Your business plan is typically the first impression potential lenders of investors get about your business idea. Even with a great product, team, and customers, and you are unable to convey to properly convey your image, it could be the last impression if your plan has some of the following, common mistakes.
Lenders and investors review hundreds of business plan every year and with every plan, lenders and investors become more cynical because the same mistakes pop up with regular frequency. With so much competition for a limited amount of capital, it is imperative to not make these mistakes.
1. Financials
Unrealistic Financial Projections - Simply saying that you are going to do $100,000 in sales is not enough nor can you simply say there is no way of knowing. Everyone knows there is no way to accurately come up with financial projections over the next three years, especially in a start-up. But, what is required in your plan is that reasonable assumptions are made and supported with research. By incorporating a detailed list of assumptions and how you arrived at your numbers, the lender/investor can judge your analysis and decision making process. If you are projecting to generate high sales outside of industry norms, explaining how you arrived at this conclusion is a must. Lenders and investors have seen many, many plans that claim sales are going through the roof once funded and as a result are very jaded at statements like this. Financial data that is inconsistent with industry averages and overly aggressive sales figures will raise flags. Explain every number.
Confusing Cash with Profits - Revenues do not always equal cash. For example, suppose you make a sale this month for $100 that cost $50 to produce. Assuming your buyer doesn’t pay for 30-60 and even 90 days if dealing with state or federal sources (and assuming they all pay), the effect on your cash flow is significant. Suppliers and employees still have to be paid for their work while you are waiting on payment from the buyer.
While you may not have a significant portion of sales coming from receivables, the timing of cash flows is critical for developing a financial strategy as cash flow is much more important than profits. Profits are an accounting concept while cash is money in the bank. If you don’t believe me try paying your bills with profits.
No Adjustment for Seasonality - All businesses are seasonal to some extent, some more significant than others. Seasonality refers to the percentage of sales that are made in a month. For example, most retailers have huge November and December sales and lousy January and February sales. Did you make enough cash during the good months to cover the slow months to cover salaries, rents and lights?
If You Build It They Will Come - Be careful in assuming once your doors open people will be streaming in to buy. You have a new, relatively unheard of business. This is a time when your business is particularly vulnerable as most of new owner’s cash reserves have typically been used to open the store. If sales projections are off during the first couple of months and you don’t have enough working capital to keep the lights on, you may be quickly going out of business.
Insufficient financial projections - Basic financial projections consist of four elements: Income Statements, Profit & Loss, Balance Sheets, and Cash Flow Statements.
For most businesses a three-year projection is sufficient, but if yours is a capital intensive one and will take longer to show profitability then use five. Actual figures are a must if you can get them and any number in the projections needs to be in the business plan narrative. If you are purchasing an existing business use the historical financials to show support for your sales figures.
No Quotes - Any significant expenses should have a quote accompanied in the appendix, especially for construction or remodeling as this is an area where most entrepreneurs slip as they do it themselves and greatly underestimate the costs.
2. Marketing
Failing to relieve the customer’s pain - Businesses are rewarded to make consumer’s pain go away. Pain can include; my car stopped working, my doggie is sick or my tax returns are too hard to prepare.
If your business plan can’t show how you are relieving the customer’s pain, then the chances for success in the marketplace is extremely limited.
Remember pain equals market opportunity. The greater the pain, the greater number of customer’s with this pain and the better you can relieve the pain equals greater market potential.
One Billion Customers Served - Claiming everyone needs your product/service will send a strong message to the reviewer that you don’t know your market and remove any credibility to your plan. In the good old days the shotgun approach to marketing could work as there were limited channels for advertisement. Today with unlimited outlets and more narrowly defined markets, this approach does not fly.
While it’s true everyone eats, not everyone will eat at your restaurant, nor could you effectively advertise to everyone. By researching the segments that are most likely to use your product/service and showing how your message will get to them will ultimately make your endeavor more successful. Having clearly defined target markets will show you have done your homework and be the cornerstone of a marketing strategy that can succeed.
We have no competition - Use this statement if your want your plan rejected. Every business has competition. While there may not be a direct competitor, meaning one that offers the same or similar product, there is always an indirect competitor.
Saying there is no competition tells the reviewer that you have either not done any market research or there is not a market for your product.
3. Organization
Writing For The Wrong Audience - A plan for a lender should be written differently than one for an investor. Banks are interested in seeing the likelihood that debts be repaid and investors are interested in the upside profit potential. Be sure to write your plan to your audience. For both, keep to the facts, keep it clear and keep it simple. If you don’t feel you have the writing abilities to make your plan shine, then get help.
Poor spelling and grammar - Leaving spelling and grammatical errors in your plan only tells the reviewer that you are not paying attention to details and may not pay enough attention to the business. Use spelling and grammar checkers and let others review your plan to make sure there are no errors.
Too repetitive - Many times, plans will cover the same points over and over. A well-written plan should cover key points only twice: once in the executive summary then again in greater detail in the narrative of the plan.
Remove the Jargon - Using simple language is imperative to getting a technical business funded. Don’t think that by using complex terms that lenders/investors will be so impressed with your knowledge that they will whip open the checkbook. Businesses that can’t be understood don’t get funded. If you can’t explain your business to a sixth grader your chances of funding are in jeopardy.
Investors are really only interested in your technology if it solves a problem that people will pay for, is better than the competition, can be protected through patents and can reasonably go to market without spending a lot of money.
Keep the technical details out of the business plan and in the white papers.
Appearance matters - Make sure your plan looks professional. Use professional printing, binding, keeping fonts consistent and easy to read. The more money being requested means investing more time in making sure your plan will stand out from the crowd. Be careful that you don’t go overboard and give the impression that the plan is all style and no substance.
Length - A long business plan does not make a better business plan. All of the industry and marketing research won’t save a flawed plan. Too many plans have been immediately rejected because they are too long. Lenders and investors favor entrepreneurs who can efficiently demonstrate the ability to efficiently get to the point.
An executive summary should be no more than 1-3 pages. Ideally it should only be one page but some complex plans require more. An ideal business plan is 20-30 pages, including financials. Remember less is more!
Use operating plans, white papers and marketing plans for the in-depth details.
Fluffing - Using phrases like "unmatched in the industry;" "narrow window of opportunity;" or "ground floor" are empty phrases filled with hype. If anything, the cynical reviewer will be turned off by the hype and trash your plan. Stick with laying out the facts – what is the problem, how will you solve the problem, how big is the market, how will consumers buy it and what is your competitive advantage. If the opportunity is there the lender/investor will be able to make the decision for themselves.
Overvaluing the business idea - What gives a business value is not the idea but the execution of the idea. A great idea is a start, but almost everyone has had a great idea at some point in their lives. How you will execute this idea is what sets apart a real business from the dreamers.
4. Execution Mistakes
Waiting too long - Funding a business takes a long time. Expect three months at a minimum after finishing your business plan to get funding. Unless you have sufficient capital, other sources of income and can be funded in-house at a bank, this number may be reduced. Bank financing for business with less than two years of operating history are typically funded through an SBA guarantee, which requires additional time, patience and paperwork. Financing through investors is usually an even longer process as they have a lot of people competing for their money and they tend to do significant due diligence to secure their investment. Waiting until you need the money is a sure way to keep your business from launching.
Unreasonable time lines - Many business owners underestimate the timelines for completing milestones. Its human nature to think we can do things faster than is possible. When getting a business started there will be several tasks you could not have anticipated and the some tasks you think will be easy which will end up taking much longer. It is best to overestimate and finish early, rather than scramble and execute your opening poorly.
Failing to seek outside review - When preparing your plan, be sure that you have at least a few people review it before sending it out. Preferably look for people in your industry or who have a specialization in sales, distribution, etc that could lend a fresh set of eyes and find any flaws in the plan. Being so close to the action can keep you from being objective and this additional scrutiny may save you countless headaches and money down the road.
Perfecting - It can be easy to spend countless hours perfecting your plan and ultimately never launching. Remember, your plan will never be perfect and in practice should be continually updated as you learn more about the business, market and customers. Don’t make your plan an academic practice, finish it and get in front of investors and lenders. Use this feedback to see if your plan really needs the additional perfection.
Lenders and investors review hundreds of business plan every year and with every plan, lenders and investors become more cynical because the same mistakes pop up with regular frequency. With so much competition for a limited amount of capital, it is imperative to not make these mistakes.
1. Financials
Unrealistic Financial Projections - Simply saying that you are going to do $100,000 in sales is not enough nor can you simply say there is no way of knowing. Everyone knows there is no way to accurately come up with financial projections over the next three years, especially in a start-up. But, what is required in your plan is that reasonable assumptions are made and supported with research. By incorporating a detailed list of assumptions and how you arrived at your numbers, the lender/investor can judge your analysis and decision making process. If you are projecting to generate high sales outside of industry norms, explaining how you arrived at this conclusion is a must. Lenders and investors have seen many, many plans that claim sales are going through the roof once funded and as a result are very jaded at statements like this. Financial data that is inconsistent with industry averages and overly aggressive sales figures will raise flags. Explain every number.
Confusing Cash with Profits - Revenues do not always equal cash. For example, suppose you make a sale this month for $100 that cost $50 to produce. Assuming your buyer doesn’t pay for 30-60 and even 90 days if dealing with state or federal sources (and assuming they all pay), the effect on your cash flow is significant. Suppliers and employees still have to be paid for their work while you are waiting on payment from the buyer.
While you may not have a significant portion of sales coming from receivables, the timing of cash flows is critical for developing a financial strategy as cash flow is much more important than profits. Profits are an accounting concept while cash is money in the bank. If you don’t believe me try paying your bills with profits.
No Adjustment for Seasonality - All businesses are seasonal to some extent, some more significant than others. Seasonality refers to the percentage of sales that are made in a month. For example, most retailers have huge November and December sales and lousy January and February sales. Did you make enough cash during the good months to cover the slow months to cover salaries, rents and lights?
If You Build It They Will Come - Be careful in assuming once your doors open people will be streaming in to buy. You have a new, relatively unheard of business. This is a time when your business is particularly vulnerable as most of new owner’s cash reserves have typically been used to open the store. If sales projections are off during the first couple of months and you don’t have enough working capital to keep the lights on, you may be quickly going out of business.
Insufficient financial projections - Basic financial projections consist of four elements: Income Statements, Profit & Loss, Balance Sheets, and Cash Flow Statements.
For most businesses a three-year projection is sufficient, but if yours is a capital intensive one and will take longer to show profitability then use five. Actual figures are a must if you can get them and any number in the projections needs to be in the business plan narrative. If you are purchasing an existing business use the historical financials to show support for your sales figures.
No Quotes - Any significant expenses should have a quote accompanied in the appendix, especially for construction or remodeling as this is an area where most entrepreneurs slip as they do it themselves and greatly underestimate the costs.
2. Marketing
Failing to relieve the customer’s pain - Businesses are rewarded to make consumer’s pain go away. Pain can include; my car stopped working, my doggie is sick or my tax returns are too hard to prepare.
If your business plan can’t show how you are relieving the customer’s pain, then the chances for success in the marketplace is extremely limited.
Remember pain equals market opportunity. The greater the pain, the greater number of customer’s with this pain and the better you can relieve the pain equals greater market potential.
One Billion Customers Served - Claiming everyone needs your product/service will send a strong message to the reviewer that you don’t know your market and remove any credibility to your plan. In the good old days the shotgun approach to marketing could work as there were limited channels for advertisement. Today with unlimited outlets and more narrowly defined markets, this approach does not fly.
While it’s true everyone eats, not everyone will eat at your restaurant, nor could you effectively advertise to everyone. By researching the segments that are most likely to use your product/service and showing how your message will get to them will ultimately make your endeavor more successful. Having clearly defined target markets will show you have done your homework and be the cornerstone of a marketing strategy that can succeed.
We have no competition - Use this statement if your want your plan rejected. Every business has competition. While there may not be a direct competitor, meaning one that offers the same or similar product, there is always an indirect competitor.
Saying there is no competition tells the reviewer that you have either not done any market research or there is not a market for your product.
3. Organization
Writing For The Wrong Audience - A plan for a lender should be written differently than one for an investor. Banks are interested in seeing the likelihood that debts be repaid and investors are interested in the upside profit potential. Be sure to write your plan to your audience. For both, keep to the facts, keep it clear and keep it simple. If you don’t feel you have the writing abilities to make your plan shine, then get help.
Poor spelling and grammar - Leaving spelling and grammatical errors in your plan only tells the reviewer that you are not paying attention to details and may not pay enough attention to the business. Use spelling and grammar checkers and let others review your plan to make sure there are no errors.
Too repetitive - Many times, plans will cover the same points over and over. A well-written plan should cover key points only twice: once in the executive summary then again in greater detail in the narrative of the plan.
Remove the Jargon - Using simple language is imperative to getting a technical business funded. Don’t think that by using complex terms that lenders/investors will be so impressed with your knowledge that they will whip open the checkbook. Businesses that can’t be understood don’t get funded. If you can’t explain your business to a sixth grader your chances of funding are in jeopardy.
Investors are really only interested in your technology if it solves a problem that people will pay for, is better than the competition, can be protected through patents and can reasonably go to market without spending a lot of money.
Keep the technical details out of the business plan and in the white papers.
Appearance matters - Make sure your plan looks professional. Use professional printing, binding, keeping fonts consistent and easy to read. The more money being requested means investing more time in making sure your plan will stand out from the crowd. Be careful that you don’t go overboard and give the impression that the plan is all style and no substance.
Length - A long business plan does not make a better business plan. All of the industry and marketing research won’t save a flawed plan. Too many plans have been immediately rejected because they are too long. Lenders and investors favor entrepreneurs who can efficiently demonstrate the ability to efficiently get to the point.
An executive summary should be no more than 1-3 pages. Ideally it should only be one page but some complex plans require more. An ideal business plan is 20-30 pages, including financials. Remember less is more!
Use operating plans, white papers and marketing plans for the in-depth details.
Fluffing - Using phrases like "unmatched in the industry;" "narrow window of opportunity;" or "ground floor" are empty phrases filled with hype. If anything, the cynical reviewer will be turned off by the hype and trash your plan. Stick with laying out the facts – what is the problem, how will you solve the problem, how big is the market, how will consumers buy it and what is your competitive advantage. If the opportunity is there the lender/investor will be able to make the decision for themselves.
Overvaluing the business idea - What gives a business value is not the idea but the execution of the idea. A great idea is a start, but almost everyone has had a great idea at some point in their lives. How you will execute this idea is what sets apart a real business from the dreamers.
4. Execution Mistakes
Waiting too long - Funding a business takes a long time. Expect three months at a minimum after finishing your business plan to get funding. Unless you have sufficient capital, other sources of income and can be funded in-house at a bank, this number may be reduced. Bank financing for business with less than two years of operating history are typically funded through an SBA guarantee, which requires additional time, patience and paperwork. Financing through investors is usually an even longer process as they have a lot of people competing for their money and they tend to do significant due diligence to secure their investment. Waiting until you need the money is a sure way to keep your business from launching.
Unreasonable time lines - Many business owners underestimate the timelines for completing milestones. Its human nature to think we can do things faster than is possible. When getting a business started there will be several tasks you could not have anticipated and the some tasks you think will be easy which will end up taking much longer. It is best to overestimate and finish early, rather than scramble and execute your opening poorly.
Failing to seek outside review - When preparing your plan, be sure that you have at least a few people review it before sending it out. Preferably look for people in your industry or who have a specialization in sales, distribution, etc that could lend a fresh set of eyes and find any flaws in the plan. Being so close to the action can keep you from being objective and this additional scrutiny may save you countless headaches and money down the road.
Perfecting - It can be easy to spend countless hours perfecting your plan and ultimately never launching. Remember, your plan will never be perfect and in practice should be continually updated as you learn more about the business, market and customers. Don’t make your plan an academic practice, finish it and get in front of investors and lenders. Use this feedback to see if your plan really needs the additional perfection.
Business And Finance
Your business plan is typically the first impression potential lenders of investors get about your business idea. Even with a great product, team, and customers, and you are unable to convey to properly convey your image, it could be the last impression if your plan has some of the following, common mistakes.
Lenders and investors review hundreds of business plan every year and with every plan, lenders and investors become more cynical because the same mistakes pop up with regular frequency. With so much competition for a limited amount of capital, it is imperative to not make these mistakes.
1. Financials
Unrealistic Financial Projections - Simply saying that you are going to do $100,000 in sales is not enough nor can you simply say there is no way of knowing. Everyone knows there is no way to accurately come up with financial projections over the next three years, especially in a start-up. But, what is required in your plan is that reasonable assumptions are made and supported with research. By incorporating a detailed list of assumptions and how you arrived at your numbers, the lender/investor can judge your analysis and decision making process. If you are projecting to generate high sales outside of industry norms, explaining how you arrived at this conclusion is a must. Lenders and investors have seen many, many plans that claim sales are going through the roof once funded and as a result are very jaded at statements like this. Financial data that is inconsistent with industry averages and overly aggressive sales figures will raise flags. Explain every number.
Confusing Cash with Profits - Revenues do not always equal cash. For example, suppose you make a sale this month for $100 that cost $50 to produce. Assuming your buyer doesn’t pay for 30-60 and even 90 days if dealing with state or federal sources (and assuming they all pay), the effect on your cash flow is significant. Suppliers and employees still have to be paid for their work while you are waiting on payment from the buyer.
While you may not have a significant portion of sales coming from receivables, the timing of cash flows is critical for developing a financial strategy as cash flow is much more important than profits. Profits are an accounting concept while cash is money in the bank. If you don’t believe me try paying your bills with profits.
No Adjustment for Seasonality - All businesses are seasonal to some extent, some more significant than others. Seasonality refers to the percentage of sales that are made in a month. For example, most retailers have huge November and December sales and lousy January and February sales. Did you make enough cash during the good months to cover the slow months to cover salaries, rents and lights?
If You Build It They Will Come - Be careful in assuming once your doors open people will be streaming in to buy. You have a new, relatively unheard of business. This is a time when your business is particularly vulnerable as most of new owner’s cash reserves have typically been used to open the store. If sales projections are off during the first couple of months and you don’t have enough working capital to keep the lights on, you may be quickly going out of business.
Insufficient financial projections - Basic financial projections consist of four elements: Income Statements, Profit & Loss, Balance Sheets, and Cash Flow Statements.
For most businesses a three-year projection is sufficient, but if yours is a capital intensive one and will take longer to show profitability then use five. Actual figures are a must if you can get them and any number in the projections needs to be in the business plan narrative. If you are purchasing an existing business use the historical financials to show support for your sales figures.
No Quotes - Any significant expenses should have a quote accompanied in the appendix, especially for construction or remodeling as this is an area where most entrepreneurs slip as they do it themselves and greatly underestimate the costs.
2. Marketing
Failing to relieve the customer’s pain - Businesses are rewarded to make consumer’s pain go away. Pain can include; my car stopped working, my doggie is sick or my tax returns are too hard to prepare.
If your business plan can’t show how you are relieving the customer’s pain, then the chances for success in the marketplace is extremely limited.
Remember pain equals market opportunity. The greater the pain, the greater number of customer’s with this pain and the better you can relieve the pain equals greater market potential.
One Billion Customers Served - Claiming everyone needs your product/service will send a strong message to the reviewer that you don’t know your market and remove any credibility to your plan. In the good old days the shotgun approach to marketing could work as there were limited channels for advertisement. Today with unlimited outlets and more narrowly defined markets, this approach does not fly.
While it’s true everyone eats, not everyone will eat at your restaurant, nor could you effectively advertise to everyone. By researching the segments that are most likely to use your product/service and showing how your message will get to them will ultimately make your endeavor more successful. Having clearly defined target markets will show you have done your homework and be the cornerstone of a marketing strategy that can succeed.
We have no competition - Use this statement if your want your plan rejected. Every business has competition. While there may not be a direct competitor, meaning one that offers the same or similar product, there is always an indirect competitor.
Saying there is no competition tells the reviewer that you have either not done any market research or there is not a market for your product.
3. Organization
Writing For The Wrong Audience - A plan for a lender should be written differently than one for an investor. Banks are interested in seeing the likelihood that debts be repaid and investors are interested in the upside profit potential. Be sure to write your plan to your audience. For both, keep to the facts, keep it clear and keep it simple. If you don’t feel you have the writing abilities to make your plan shine, then get help.
Poor spelling and grammar - Leaving spelling and grammatical errors in your plan only tells the reviewer that you are not paying attention to details and may not pay enough attention to the business. Use spelling and grammar checkers and let others review your plan to make sure there are no errors.
Too repetitive - Many times, plans will cover the same points over and over. A well-written plan should cover key points only twice: once in the executive summary then again in greater detail in the narrative of the plan.
Remove the Jargon - Using simple language is imperative to getting a technical business funded. Don’t think that by using complex terms that lenders/investors will be so impressed with your knowledge that they will whip open the checkbook. Businesses that can’t be understood don’t get funded. If you can’t explain your business to a sixth grader your chances of funding are in jeopardy.
Investors are really only interested in your technology if it solves a problem that people will pay for, is better than the competition, can be protected through patents and can reasonably go to market without spending a lot of money.
Keep the technical details out of the business plan and in the white papers.
Appearance matters - Make sure your plan looks professional. Use professional printing, binding, keeping fonts consistent and easy to read. The more money being requested means investing more time in making sure your plan will stand out from the crowd. Be careful that you don’t go overboard and give the impression that the plan is all style and no substance.
Length - A long business plan does not make a better business plan. All of the industry and marketing research won’t save a flawed plan. Too many plans have been immediately rejected because they are too long. Lenders and investors favor entrepreneurs who can efficiently demonstrate the ability to efficiently get to the point.
An executive summary should be no more than 1-3 pages. Ideally it should only be one page but some complex plans require more. An ideal business plan is 20-30 pages, including financials. Remember less is more!
Use operating plans, white papers and marketing plans for the in-depth details.
Fluffing - Using phrases like "unmatched in the industry;" "narrow window of opportunity;" or "ground floor" are empty phrases filled with hype. If anything, the cynical reviewer will be turned off by the hype and trash your plan. Stick with laying out the facts – what is the problem, how will you solve the problem, how big is the market, how will consumers buy it and what is your competitive advantage. If the opportunity is there the lender/investor will be able to make the decision for themselves.
Overvaluing the business idea - What gives a business value is not the idea but the execution of the idea. A great idea is a start, but almost everyone has had a great idea at some point in their lives. How you will execute this idea is what sets apart a real business from the dreamers.
4. Execution Mistakes
Waiting too long - Funding a business takes a long time. Expect three months at a minimum after finishing your business plan to get funding. Unless you have sufficient capital, other sources of income and can be funded in-house at a bank, this number may be reduced. Bank financing for business with less than two years of operating history are typically funded through an SBA guarantee, which requires additional time, patience and paperwork. Financing through investors is usually an even longer process as they have a lot of people competing for their money and they tend to do significant due diligence to secure their investment. Waiting until you need the money is a sure way to keep your business from launching.
Unreasonable time lines - Many business owners underestimate the timelines for completing milestones. Its human nature to think we can do things faster than is possible. When getting a business started there will be several tasks you could not have anticipated and the some tasks you think will be easy which will end up taking much longer. It is best to overestimate and finish early, rather than scramble and execute your opening poorly.
Failing to seek outside review - When preparing your plan, be sure that you have at least a few people review it before sending it out. Preferably look for people in your industry or who have a specialization in sales, distribution, etc that could lend a fresh set of eyes and find any flaws in the plan. Being so close to the action can keep you from being objective and this additional scrutiny may save you countless headaches and money down the road.
Perfecting - It can be easy to spend countless hours perfecting your plan and ultimately never launching. Remember, your plan will never be perfect and in practice should be continually updated as you learn more about the business, market and customers. Don’t make your plan an academic practice, finish it and get in front of investors and lenders. Use this feedback to see if your plan really needs the additional perfection.
Lenders and investors review hundreds of business plan every year and with every plan, lenders and investors become more cynical because the same mistakes pop up with regular frequency. With so much competition for a limited amount of capital, it is imperative to not make these mistakes.
1. Financials
Unrealistic Financial Projections - Simply saying that you are going to do $100,000 in sales is not enough nor can you simply say there is no way of knowing. Everyone knows there is no way to accurately come up with financial projections over the next three years, especially in a start-up. But, what is required in your plan is that reasonable assumptions are made and supported with research. By incorporating a detailed list of assumptions and how you arrived at your numbers, the lender/investor can judge your analysis and decision making process. If you are projecting to generate high sales outside of industry norms, explaining how you arrived at this conclusion is a must. Lenders and investors have seen many, many plans that claim sales are going through the roof once funded and as a result are very jaded at statements like this. Financial data that is inconsistent with industry averages and overly aggressive sales figures will raise flags. Explain every number.
Confusing Cash with Profits - Revenues do not always equal cash. For example, suppose you make a sale this month for $100 that cost $50 to produce. Assuming your buyer doesn’t pay for 30-60 and even 90 days if dealing with state or federal sources (and assuming they all pay), the effect on your cash flow is significant. Suppliers and employees still have to be paid for their work while you are waiting on payment from the buyer.
While you may not have a significant portion of sales coming from receivables, the timing of cash flows is critical for developing a financial strategy as cash flow is much more important than profits. Profits are an accounting concept while cash is money in the bank. If you don’t believe me try paying your bills with profits.
No Adjustment for Seasonality - All businesses are seasonal to some extent, some more significant than others. Seasonality refers to the percentage of sales that are made in a month. For example, most retailers have huge November and December sales and lousy January and February sales. Did you make enough cash during the good months to cover the slow months to cover salaries, rents and lights?
If You Build It They Will Come - Be careful in assuming once your doors open people will be streaming in to buy. You have a new, relatively unheard of business. This is a time when your business is particularly vulnerable as most of new owner’s cash reserves have typically been used to open the store. If sales projections are off during the first couple of months and you don’t have enough working capital to keep the lights on, you may be quickly going out of business.
Insufficient financial projections - Basic financial projections consist of four elements: Income Statements, Profit & Loss, Balance Sheets, and Cash Flow Statements.
For most businesses a three-year projection is sufficient, but if yours is a capital intensive one and will take longer to show profitability then use five. Actual figures are a must if you can get them and any number in the projections needs to be in the business plan narrative. If you are purchasing an existing business use the historical financials to show support for your sales figures.
No Quotes - Any significant expenses should have a quote accompanied in the appendix, especially for construction or remodeling as this is an area where most entrepreneurs slip as they do it themselves and greatly underestimate the costs.
2. Marketing
Failing to relieve the customer’s pain - Businesses are rewarded to make consumer’s pain go away. Pain can include; my car stopped working, my doggie is sick or my tax returns are too hard to prepare.
If your business plan can’t show how you are relieving the customer’s pain, then the chances for success in the marketplace is extremely limited.
Remember pain equals market opportunity. The greater the pain, the greater number of customer’s with this pain and the better you can relieve the pain equals greater market potential.
One Billion Customers Served - Claiming everyone needs your product/service will send a strong message to the reviewer that you don’t know your market and remove any credibility to your plan. In the good old days the shotgun approach to marketing could work as there were limited channels for advertisement. Today with unlimited outlets and more narrowly defined markets, this approach does not fly.
While it’s true everyone eats, not everyone will eat at your restaurant, nor could you effectively advertise to everyone. By researching the segments that are most likely to use your product/service and showing how your message will get to them will ultimately make your endeavor more successful. Having clearly defined target markets will show you have done your homework and be the cornerstone of a marketing strategy that can succeed.
We have no competition - Use this statement if your want your plan rejected. Every business has competition. While there may not be a direct competitor, meaning one that offers the same or similar product, there is always an indirect competitor.
Saying there is no competition tells the reviewer that you have either not done any market research or there is not a market for your product.
3. Organization
Writing For The Wrong Audience - A plan for a lender should be written differently than one for an investor. Banks are interested in seeing the likelihood that debts be repaid and investors are interested in the upside profit potential. Be sure to write your plan to your audience. For both, keep to the facts, keep it clear and keep it simple. If you don’t feel you have the writing abilities to make your plan shine, then get help.
Poor spelling and grammar - Leaving spelling and grammatical errors in your plan only tells the reviewer that you are not paying attention to details and may not pay enough attention to the business. Use spelling and grammar checkers and let others review your plan to make sure there are no errors.
Too repetitive - Many times, plans will cover the same points over and over. A well-written plan should cover key points only twice: once in the executive summary then again in greater detail in the narrative of the plan.
Remove the Jargon - Using simple language is imperative to getting a technical business funded. Don’t think that by using complex terms that lenders/investors will be so impressed with your knowledge that they will whip open the checkbook. Businesses that can’t be understood don’t get funded. If you can’t explain your business to a sixth grader your chances of funding are in jeopardy.
Investors are really only interested in your technology if it solves a problem that people will pay for, is better than the competition, can be protected through patents and can reasonably go to market without spending a lot of money.
Keep the technical details out of the business plan and in the white papers.
Appearance matters - Make sure your plan looks professional. Use professional printing, binding, keeping fonts consistent and easy to read. The more money being requested means investing more time in making sure your plan will stand out from the crowd. Be careful that you don’t go overboard and give the impression that the plan is all style and no substance.
Length - A long business plan does not make a better business plan. All of the industry and marketing research won’t save a flawed plan. Too many plans have been immediately rejected because they are too long. Lenders and investors favor entrepreneurs who can efficiently demonstrate the ability to efficiently get to the point.
An executive summary should be no more than 1-3 pages. Ideally it should only be one page but some complex plans require more. An ideal business plan is 20-30 pages, including financials. Remember less is more!
Use operating plans, white papers and marketing plans for the in-depth details.
Fluffing - Using phrases like "unmatched in the industry;" "narrow window of opportunity;" or "ground floor" are empty phrases filled with hype. If anything, the cynical reviewer will be turned off by the hype and trash your plan. Stick with laying out the facts – what is the problem, how will you solve the problem, how big is the market, how will consumers buy it and what is your competitive advantage. If the opportunity is there the lender/investor will be able to make the decision for themselves.
Overvaluing the business idea - What gives a business value is not the idea but the execution of the idea. A great idea is a start, but almost everyone has had a great idea at some point in their lives. How you will execute this idea is what sets apart a real business from the dreamers.
4. Execution Mistakes
Waiting too long - Funding a business takes a long time. Expect three months at a minimum after finishing your business plan to get funding. Unless you have sufficient capital, other sources of income and can be funded in-house at a bank, this number may be reduced. Bank financing for business with less than two years of operating history are typically funded through an SBA guarantee, which requires additional time, patience and paperwork. Financing through investors is usually an even longer process as they have a lot of people competing for their money and they tend to do significant due diligence to secure their investment. Waiting until you need the money is a sure way to keep your business from launching.
Unreasonable time lines - Many business owners underestimate the timelines for completing milestones. Its human nature to think we can do things faster than is possible. When getting a business started there will be several tasks you could not have anticipated and the some tasks you think will be easy which will end up taking much longer. It is best to overestimate and finish early, rather than scramble and execute your opening poorly.
Failing to seek outside review - When preparing your plan, be sure that you have at least a few people review it before sending it out. Preferably look for people in your industry or who have a specialization in sales, distribution, etc that could lend a fresh set of eyes and find any flaws in the plan. Being so close to the action can keep you from being objective and this additional scrutiny may save you countless headaches and money down the road.
Perfecting - It can be easy to spend countless hours perfecting your plan and ultimately never launching. Remember, your plan will never be perfect and in practice should be continually updated as you learn more about the business, market and customers. Don’t make your plan an academic practice, finish it and get in front of investors and lenders. Use this feedback to see if your plan really needs the additional perfection.
Web 2.0? Or Is It More Like Web 16.0?
It has become difficult to keep up with the meanings of all the new phrases and terms generated by modern technology. One of the most commonly used phrases on the world wide web (www) today is "Web 2.0." It seems like every web solutions company is using this phrase to sell its stuff. So to the average Joe who's not a geek, what is "Web 2.0"?
Well according to Wikipedia, the free online encyclopedia…
"[T]he phrase Web 2.0 can refer to a perceived second generation of web-based communities and hosted services — such as social-networking sites, wikis, and folksonomies [collaborative tagging schemes] — which aim to facilitate creativity, collaboration, and sharing between users. The term gained currency following the first O'Reilly Media Web 2.0 conference in 2004. Although the term suggests a new version of the World Wide Web, it does not refer to an update to any technical specifications, but to changes in the ways software developers and end-users use webs. According to Tim O'Reilly, 'Web 2.0 is the business revolution in the computer industry caused by the move to the Internet as platform, and an attempt to understand the rules for success on that new platform.' Some technology experts, notably Tim Berners-Lee, have questioned whether one can use the term in a meaningful way, since many of the technology components of 'Web 2.0' have existed since the early days of the W!
eb."
There is no doubt the www has advanced significantly since inception, but there really is no new version of the www. It is simply much more useful to the everyday person.
However, if we counted each major innovation as a whole number and each minor revision as a tenth, we would already be into double digits. So why are we calling it "Web 2.0"?
If you have seen the latest Die Hard movie, or ever bought software for your computer, you will understand why we are not in Web 2.0. Even if we call it Die Hard 4.0 or MS Office 2007, it's still basically the same movie or tool. So what we are really experiencing now is more like Web 16.0.
If you have an in-depth, honest conversation with your web designers, they will tell you that Web 2.0 is a myth. So to explain how we got to Web 16.0, here's a history of the most significant events on the www.
WEB 0.1 -- 1958 – SAGE – Radar systems are first networked
WEB 0.2 -- 1960 – Packet switching is first created
WEB 1.0 – EMAIL – "A New Way to Send Unsolicited Mail Is Born"
Although the exact history of Email is a tad murky, it is generally accepted that it appeared in 1965, and was created so that people accessing a mainframe could communicate with each other. This was the first step in the interconnection of people, facilitating almost instant communication at no cost to the user.
WEB 1.1 -- 1967 – Markup language is created
WEB 1.2 -- 1969 – ARPA – A link is established between computers
WEB 1.3 -- 1696 – ARPA Net – First packet-switched network created
WEB 2.0 – WYSIWYG – "What You See Is What You Get (sometimes)"
With the invention of WYSIWYG in 1970, users could now be presented with a basic display of what their finished product would look like, as they were working on it. This removed the need to memorize complex code.
WEB 2.1 -- 1970 – ASP – First Application Service Provider (SAAS)
WEB 2.2 -- 1970 – Style sheets are created
WEB 2.3 -- 1971 – @ is created to separate hosts and users
WEB 2.4 -- 1973 – TCP/IP is created to simplify networking
WEB 2.5 -- 1973 – First connection to another country established
WEB 2.6 -- 1974 – The term "Internet" is adopted
WEB 2.7 -- 1976 – X.25 – The first network standard is approved
WEB 2.8 -- 1978 – International packet switching service created
WEB 3.0 – USENET– "The Black Market of the Internet"
Usenet was established in 1980 to offer mail and file transfers as well as give personal users access to news. Usenet is in fact a large network of servers all in communication with each other; a user posts something to the local server and that item is passed along to the other servers. Usenet was a major turning point because users could finally have an open conversation with anyone on the net, without needing to specifically know the user (unlike Email). The downside is that with a sometimes un-policed net capable of file transfers, the Usenet of today is a haven for piracy of all types, where anything you can imagine is accessible.
WEB 3.1 -- 1979 – Email is made available to personal computer users, millions of Nigerian Princes suddenly need public help
WEB 4.0 – REAL TIME CHAT – Going Outside Deemed "Obsolete"
Real-Time Chat was created in 1980 following users' frustrations with Usenet articles sometimes taking 24 hours to be updated. This signaled a turning point: online conversations became instant, albeit isolated into segregated groups.
WEB 4.1 -- 1980 – First ISPs created providing dialup internet
WEB 4.2 -- 1981 – TCP/IP becomes a standard
WEB 4.3 -- 1981 – US/Europe/Canada/Hong-Kong/Australia connect
WEB 4.4 -- 1983 – TCP/IP becomes the only standard
WEB 4.5 -- 1983 – First wide area network using TCP/IP operational
WEB 4.6 -- 1985 – FTP – The File Transfer Protocol is created
WEB 4.7 -- 1988 – IRC – Internet Relay Chat is created
WEB 4.8 -- 1988 – Bulletin Board Systems and Forums created
WEB 5.0 – HTML/HTTP/Web Pages – "It Has Begun…"
Around 1980, many researchers were using the internet, but they had no single way to create/display "documents" (web pages). Physicist Tim Berners-Lee and his colleagues needed a simple system for creating/displaying documents, but found that existing systems were too commercial, platform-specific or complicated for the average user. So they created their own relatively simple system, consisting of browsing software called "WorldWideWeb," a protocol for transmitting the information (HTTP) and a document annotation convention called "Hyper Text Markup Language" (HTML). This meant anyone could now create web pages using their simple language.
WEB 5.1 -- 1989 – Images can now be animated, oh the horror!
WEB 5.2 -- 1990 – The network now covers the entire world (publicly)
WEB 6.0 – Search – "Did You Mean: Google?"
Before 1990, there was no way to find a page; you had to know the specific location. Around 1991, search engines began indexing (storing) the content they found, giving users the ability to search for a page even if they didn't know the page's location.
WEB 6.1 -- 1991 – DNS – Dynamic Naming System is created
WEB 6.2 -- 1991 – The first text-based browser is created
WEB 7.0 – DHTML – "Because Non-Scrolling Text Is Boring"
The web was static until Dynamic HTML (DHTML) was created. DHTML introduced client-side scripting, allowing authors to include code in their web pages that performed an action upon being downloaded onto a user's computer. DHTML introduced rollover buttons and drop-down menus on web pages. It goes a long way to making the web more personalized.
WEB 7.1 -- 1993 – The first graphics based browsers are created
WEB 7.2 -- 1993 – Screen casts are first created
WEB 7.3 -- 1994 – Wikis are created; Britannica begins holding its breath
WEB 7.4 -- 1994 – The World Wide Web Consortium is formed
WEB 7.5 -- 1994 – CSS – Cascading Style Sheets created
WEB 8.0 – ONLINE DIARIES – "Teens Reportedly Misunderstood"
Online diaries were first created in 1994 as a means for people to store their diaries online for personal or public reading. Writers could now reach almost anyone worldwide at practically no cost, and everyone could create editorials on whatever subjects they liked, without fear of censorship.
WEB 8.1 -- 1996 – The first social bookmarking site created
WEB 9.0 – RANKED RESULTS – "The Online Popularity Contest"
Search engine results helped find things, but many of the results were useless or had nothing to do with the keywords used. As of 1996, search results started to be ranked based on a multitude of things, like how popular a page is. This made searching faster and easier, and significantly less painful.
WEB 9.1 -- 1996 – Flash is created, whole websites can now be animated
WEB 9.2 -- 1997 – The term "Blog" is adopted
WEB 10.0 – HIRED BLOGGERS – "Wow Isn't Product X Great!"
As of 1997, personal diaries began to evolve to what became known as "blogs." Many corporate websites and personal homepages had (and still do have) news sections, these were traditionally updated manually in a back-end system. With the advent of blogs, the commercial sector jumped in, seeing a new marketing medium.
WEB 10.1 -- 1998 – The first audio news site is created
WEB 10.2 -- 1999 – The first web-based operating system is created
WEB 11.0 – RSS – "Newspapers Deemed Obsolete"
Really Simple Syndication (RSS) was created due to the lack of a universal feed format. The creation of RSS means that users could now "subscribe" to feeds containing video, audio, text, or graphics. Users no longer had to trawl the web for new information, they could "subscribe" to a feed and have it sent to them directly.
WEB 12.0 – REMOTE SCRIPTING – "Waiting For 4 Seconds Now History!"
Remote scripting allows scripts running inside a browser to exchange information with a server, so that scripts could be triggered locally, processed remotely and have information returned directly to the browser. This made the web faster and easier to use, and removed the need to refresh the page for simple tasks like sorting.
WEB 12.1 -- 2001 – Blogs evolve from online diaries
WEB 13.0 – PODCASTING – "Now Everyone Can Avoid Listening To You By Choice Rather Than Circumstance!"
Podcasting originated as a portmanteau of the iPod® and broadcasting, although "portable on demand broadcasting" has now become the widely-accepted definition. Originally Podcasting was created to allow individuals to distribute their own radio shows, but it has become popular for a wide variety of things, from educational materials to the latest gaming news. Podcasting opens up distribution of audio content to anyone with a server, with users "subscribing" to the RSS feeds that appeal to them.
WEB 13.1 -- 2002 – Folksonomy is created, giving rise to "tags"
WEB 14.0 – VIDEO PODCASTING – "Web-Based One-Sided Conversations"
Shortly after Podcasting became popular, video Podcasting was created as a means to send the equivalent of TV episodes to users. Though similar to podcasting, the content was not limited to just "TV episodes". Video Podcasting opens up the video medium so that making a TV show is possible for anyone.
WEB 15.0 – VOIP – "High Tech, Dodgy Sounding Free Calls"
With the Voice Over Internet Protocol, telephone audio is sent over the internet, rather than a traditional phone line. This removes almost all cost involved, and also removes the need to have a physical phone line. What this means for consumers is calling becomes much simpler, easier and significantly cheaper.
WEB 16.0 – SAAS – "The Industry Makes a SaaS of Itself."
Software as a Service (SaaS) is just a new term for a concept that has been around since the dawn of the internet (ASP from 1970). SaaS refers to using a piece of software run/provided through the internet, and instead of paying a large one-off purchase price, you "rent" the software for as long as needed. So while SaaS is the buzzword of the day, the concept is decades old.
..The CONCLUSION?
So if you follow the basic rule that each total upgrade is a new ".0" then we are nowhere near Web 2.0. The story is really one of falling price, increasing reliability and bandwidth, coupled with ubiquitous access.
Simply put, "Web 2.0" is just shorthand for the development process outlined above. Bottom line, the web really becoming what the web really always should have been.
Well according to Wikipedia, the free online encyclopedia…
"[T]he phrase Web 2.0 can refer to a perceived second generation of web-based communities and hosted services — such as social-networking sites, wikis, and folksonomies [collaborative tagging schemes] — which aim to facilitate creativity, collaboration, and sharing between users. The term gained currency following the first O'Reilly Media Web 2.0 conference in 2004. Although the term suggests a new version of the World Wide Web, it does not refer to an update to any technical specifications, but to changes in the ways software developers and end-users use webs. According to Tim O'Reilly, 'Web 2.0 is the business revolution in the computer industry caused by the move to the Internet as platform, and an attempt to understand the rules for success on that new platform.' Some technology experts, notably Tim Berners-Lee, have questioned whether one can use the term in a meaningful way, since many of the technology components of 'Web 2.0' have existed since the early days of the W!
eb."
There is no doubt the www has advanced significantly since inception, but there really is no new version of the www. It is simply much more useful to the everyday person.
However, if we counted each major innovation as a whole number and each minor revision as a tenth, we would already be into double digits. So why are we calling it "Web 2.0"?
If you have seen the latest Die Hard movie, or ever bought software for your computer, you will understand why we are not in Web 2.0. Even if we call it Die Hard 4.0 or MS Office 2007, it's still basically the same movie or tool. So what we are really experiencing now is more like Web 16.0.
If you have an in-depth, honest conversation with your web designers, they will tell you that Web 2.0 is a myth. So to explain how we got to Web 16.0, here's a history of the most significant events on the www.
WEB 0.1 -- 1958 – SAGE – Radar systems are first networked
WEB 0.2 -- 1960 – Packet switching is first created
WEB 1.0 – EMAIL – "A New Way to Send Unsolicited Mail Is Born"
Although the exact history of Email is a tad murky, it is generally accepted that it appeared in 1965, and was created so that people accessing a mainframe could communicate with each other. This was the first step in the interconnection of people, facilitating almost instant communication at no cost to the user.
WEB 1.1 -- 1967 – Markup language is created
WEB 1.2 -- 1969 – ARPA – A link is established between computers
WEB 1.3 -- 1696 – ARPA Net – First packet-switched network created
WEB 2.0 – WYSIWYG – "What You See Is What You Get (sometimes)"
With the invention of WYSIWYG in 1970, users could now be presented with a basic display of what their finished product would look like, as they were working on it. This removed the need to memorize complex code.
WEB 2.1 -- 1970 – ASP – First Application Service Provider (SAAS)
WEB 2.2 -- 1970 – Style sheets are created
WEB 2.3 -- 1971 – @ is created to separate hosts and users
WEB 2.4 -- 1973 – TCP/IP is created to simplify networking
WEB 2.5 -- 1973 – First connection to another country established
WEB 2.6 -- 1974 – The term "Internet" is adopted
WEB 2.7 -- 1976 – X.25 – The first network standard is approved
WEB 2.8 -- 1978 – International packet switching service created
WEB 3.0 – USENET– "The Black Market of the Internet"
Usenet was established in 1980 to offer mail and file transfers as well as give personal users access to news. Usenet is in fact a large network of servers all in communication with each other; a user posts something to the local server and that item is passed along to the other servers. Usenet was a major turning point because users could finally have an open conversation with anyone on the net, without needing to specifically know the user (unlike Email). The downside is that with a sometimes un-policed net capable of file transfers, the Usenet of today is a haven for piracy of all types, where anything you can imagine is accessible.
WEB 3.1 -- 1979 – Email is made available to personal computer users, millions of Nigerian Princes suddenly need public help
WEB 4.0 – REAL TIME CHAT – Going Outside Deemed "Obsolete"
Real-Time Chat was created in 1980 following users' frustrations with Usenet articles sometimes taking 24 hours to be updated. This signaled a turning point: online conversations became instant, albeit isolated into segregated groups.
WEB 4.1 -- 1980 – First ISPs created providing dialup internet
WEB 4.2 -- 1981 – TCP/IP becomes a standard
WEB 4.3 -- 1981 – US/Europe/Canada/Hong-Kong/Australia connect
WEB 4.4 -- 1983 – TCP/IP becomes the only standard
WEB 4.5 -- 1983 – First wide area network using TCP/IP operational
WEB 4.6 -- 1985 – FTP – The File Transfer Protocol is created
WEB 4.7 -- 1988 – IRC – Internet Relay Chat is created
WEB 4.8 -- 1988 – Bulletin Board Systems and Forums created
WEB 5.0 – HTML/HTTP/Web Pages – "It Has Begun…"
Around 1980, many researchers were using the internet, but they had no single way to create/display "documents" (web pages). Physicist Tim Berners-Lee and his colleagues needed a simple system for creating/displaying documents, but found that existing systems were too commercial, platform-specific or complicated for the average user. So they created their own relatively simple system, consisting of browsing software called "WorldWideWeb," a protocol for transmitting the information (HTTP) and a document annotation convention called "Hyper Text Markup Language" (HTML). This meant anyone could now create web pages using their simple language.
WEB 5.1 -- 1989 – Images can now be animated, oh the horror!
WEB 5.2 -- 1990 – The network now covers the entire world (publicly)
WEB 6.0 – Search – "Did You Mean: Google?"
Before 1990, there was no way to find a page; you had to know the specific location. Around 1991, search engines began indexing (storing) the content they found, giving users the ability to search for a page even if they didn't know the page's location.
WEB 6.1 -- 1991 – DNS – Dynamic Naming System is created
WEB 6.2 -- 1991 – The first text-based browser is created
WEB 7.0 – DHTML – "Because Non-Scrolling Text Is Boring"
The web was static until Dynamic HTML (DHTML) was created. DHTML introduced client-side scripting, allowing authors to include code in their web pages that performed an action upon being downloaded onto a user's computer. DHTML introduced rollover buttons and drop-down menus on web pages. It goes a long way to making the web more personalized.
WEB 7.1 -- 1993 – The first graphics based browsers are created
WEB 7.2 -- 1993 – Screen casts are first created
WEB 7.3 -- 1994 – Wikis are created; Britannica begins holding its breath
WEB 7.4 -- 1994 – The World Wide Web Consortium is formed
WEB 7.5 -- 1994 – CSS – Cascading Style Sheets created
WEB 8.0 – ONLINE DIARIES – "Teens Reportedly Misunderstood"
Online diaries were first created in 1994 as a means for people to store their diaries online for personal or public reading. Writers could now reach almost anyone worldwide at practically no cost, and everyone could create editorials on whatever subjects they liked, without fear of censorship.
WEB 8.1 -- 1996 – The first social bookmarking site created
WEB 9.0 – RANKED RESULTS – "The Online Popularity Contest"
Search engine results helped find things, but many of the results were useless or had nothing to do with the keywords used. As of 1996, search results started to be ranked based on a multitude of things, like how popular a page is. This made searching faster and easier, and significantly less painful.
WEB 9.1 -- 1996 – Flash is created, whole websites can now be animated
WEB 9.2 -- 1997 – The term "Blog" is adopted
WEB 10.0 – HIRED BLOGGERS – "Wow Isn't Product X Great!"
As of 1997, personal diaries began to evolve to what became known as "blogs." Many corporate websites and personal homepages had (and still do have) news sections, these were traditionally updated manually in a back-end system. With the advent of blogs, the commercial sector jumped in, seeing a new marketing medium.
WEB 10.1 -- 1998 – The first audio news site is created
WEB 10.2 -- 1999 – The first web-based operating system is created
WEB 11.0 – RSS – "Newspapers Deemed Obsolete"
Really Simple Syndication (RSS) was created due to the lack of a universal feed format. The creation of RSS means that users could now "subscribe" to feeds containing video, audio, text, or graphics. Users no longer had to trawl the web for new information, they could "subscribe" to a feed and have it sent to them directly.
WEB 12.0 – REMOTE SCRIPTING – "Waiting For 4 Seconds Now History!"
Remote scripting allows scripts running inside a browser to exchange information with a server, so that scripts could be triggered locally, processed remotely and have information returned directly to the browser. This made the web faster and easier to use, and removed the need to refresh the page for simple tasks like sorting.
WEB 12.1 -- 2001 – Blogs evolve from online diaries
WEB 13.0 – PODCASTING – "Now Everyone Can Avoid Listening To You By Choice Rather Than Circumstance!"
Podcasting originated as a portmanteau of the iPod® and broadcasting, although "portable on demand broadcasting" has now become the widely-accepted definition. Originally Podcasting was created to allow individuals to distribute their own radio shows, but it has become popular for a wide variety of things, from educational materials to the latest gaming news. Podcasting opens up distribution of audio content to anyone with a server, with users "subscribing" to the RSS feeds that appeal to them.
WEB 13.1 -- 2002 – Folksonomy is created, giving rise to "tags"
WEB 14.0 – VIDEO PODCASTING – "Web-Based One-Sided Conversations"
Shortly after Podcasting became popular, video Podcasting was created as a means to send the equivalent of TV episodes to users. Though similar to podcasting, the content was not limited to just "TV episodes". Video Podcasting opens up the video medium so that making a TV show is possible for anyone.
WEB 15.0 – VOIP – "High Tech, Dodgy Sounding Free Calls"
With the Voice Over Internet Protocol, telephone audio is sent over the internet, rather than a traditional phone line. This removes almost all cost involved, and also removes the need to have a physical phone line. What this means for consumers is calling becomes much simpler, easier and significantly cheaper.
WEB 16.0 – SAAS – "The Industry Makes a SaaS of Itself."
Software as a Service (SaaS) is just a new term for a concept that has been around since the dawn of the internet (ASP from 1970). SaaS refers to using a piece of software run/provided through the internet, and instead of paying a large one-off purchase price, you "rent" the software for as long as needed. So while SaaS is the buzzword of the day, the concept is decades old.
..The CONCLUSION?
So if you follow the basic rule that each total upgrade is a new ".0" then we are nowhere near Web 2.0. The story is really one of falling price, increasing reliability and bandwidth, coupled with ubiquitous access.
Simply put, "Web 2.0" is just shorthand for the development process outlined above. Bottom line, the web really becoming what the web really always should have been.
Thursday, February 21, 2008
totally advanced
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