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‏إظهار الرسائل ذات التسميات Fashion. إظهار كافة الرسائل

الثلاثاء، 27 فبراير 2018

mesothelioma

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الأحد، 16 أكتوبر 2016

MESOTHELIOMA LAW FIRM

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MESOTHELIOMA LAW FIRM


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THE FINANCING PROPOSAL

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THE FINANCING PROPOSAL




The purpose of this section is to help you turn your business plan into a financing proposal that fits your business needs and capital constraints. The financing proposal is slanted toward a banker's needs. In a very few situations, other capital sources should be approached-venture capital firms or investment bankers, for example. If your deal is large enough and the anticipated payoff is sufficiently high (financing needs of over $1 Million, with an anticipated payout rate greater than 40% annually are two rough measures), your banker and other advisors will steer you to the right people. Otherwise, don't waste your time or theirs. Most deals never get beyond the first screening (5% or so make it through) and only a handful of those get venture capital or go public. If your deal is attractive enough to warrant attention, you will want to tailor your proposal to the needs of your intended audience, a process beyondjhe scope of this handbook and one that requires detailed knowledge of the players involved. For the rest of you with more modest deals, turn to your banker first. Your banker may refer you to a local venture capital club or other source of equity-but start with your banker. If you need more equity than you have available. check with our accountant and lawyer. who may be in tough with individuals who invest in local or startup deals. lfyou don't have a banker and an accountant, you surely will have no need for specialized financing. The business plan you have developed throughout the preceding pages needs little alteration to become a. first-rate financing proposal. Some areas of the plan will be of little use to your banker (personal histories can be replaced by resumes, deviation analysis won't be needed). The difference between a business plan and a financing proposal is one of emphasis rather than design : The main function of your plan-is to enable you to understand and master the complexities of your. business while the function of the financing proposal is to show your prospective backers that you not only know what you are doing but will also make their. investment as risk-free as possible. Most bankers deal with small business owners who is on't understand the dillerences between types of inancing, the importance of those distinctions to a business, and the banker's point of view. Bymhowing, } same familiarity With how a business unancmg package looks from the banker's viewpoint. you will be on guard against two severe problems : 1 The banker who can't say no but who can't or won't provide adequate Enancingi and / or The banker who gives the wrong loan for the wrong z'easons . YOu will also better understand the role of a bank 113' the financing process : Banks are not venture caPitalists, not risk takers, not gamblers. 1'th shOuldn't be. Their business in investing other people's and they have to be cautious. Although the greatest dollar amounts of credit for businesses of all sizes is trade credit (money owed to suppliers), you single most important financing source is your local bank. Such esoteric financing tools as factoring, warehouse loans and the many forms of stocks, bonds and debt instruments just don't apply to most businesses. If you need them, your banker will help you find the right professionals. Debt 173. Equity : s when you go to your bank for a loan, you are seeking debt money, which you will repay oyer a period of time at an additional cost (interest). The money you invest in your business is ordinarily equity, that is} money that will not be repaid to you unless you sell 6* portion of your ownership. Debt iinancing doesn't lead to sharing ownership of your business with the Enancier. Equity iinancing does. Control is another matter. Your banker may exert substantial control over your business through a legal loan document or through suggestions~but he or she doesn't own your business. Debt pays interest,usua11y for a finite time. Equity pays profits forever. The distinction between debt and equity is important to your banker because the more debt then: is in relation to equity, the higher the risk. A high debt~ to-worth ratio (worth being roughly equivalent to equity but may include some kinds of subordinated debt) indicates high riskand high risk costs high interest if you can find new debt money at all. Why '9 Because debt money is rented money, and the rent must be paid no matter what the business' is doing. If you can t meet your debt payments, you go out of business Not only. that, but a highly leveraged business (higher than normal debt-to-worth ratio for that kind of business) must earn money 

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financial data

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financial data





policy and control are the key ingredients of any successful business. policy establish what your business will do. control measures the accomplishment of policy goals. the heart of the operation is in the accounting system. before you start your business, it is essential to give you adequate accounting records. if you can't afford this, you are simply too undercapitalized to be in business. if you don't have enough managment experience to be starting a business this is a common problem area for many small business. control is essential. if you don't control your business it will control you. the overriding policy of your business is to find out what your markets want, to satisfy those wants, and to make a profit while doing so. the implementation of your policy depends on planning arid using your plan as a means of controlling your business. The first step toward managing your business for profits is to establish a bookkeeping system that provides you with the raw data {or the five control documents (balance sheet, break-even analyst. income statement, cash flow analysis, and deviation ; analysis) that will be developed in this section. Your bookkeeping system should be simple enough for you or an employee to keep up to date on a daily basis with provisions made for weekly, monthly, quarterly and yearly summaries. The system must contain cash controls (a checkbook and a cash register tape are part of your bookkeeping system). Beyond this, your method of bookkeeping should be suited to your specific needs. Since your bookkeeping system is the basis of your business information (control) system, and since only you know what kind of information you will require beyond the demands of this section, no attempt is made in this handbook to set up a system for you. i i There are three resources for setting up your bookkeeping system : 1. You or an in-house bookkeeper, 2.business service firms 3, Accountants. Each has advantages and drawbacks. You should decidc which suits your needs best. The do-it-yourself stems are lowest in cost but require more time and alien provide less information than professional business service firms and accountants provide. However. business service firms and accountants cost considerably more. Your best bet is to check out all three before making your decision. Keep in mind that business service firms and accountants act as outside staff (management consultants) for your business as pan; of their services. This extra service alone often justifies their higher costs. The Kind of insights a good accountant (whether with a business service firm or a CPA firm) can bring include analysis and interpretation of your financial statements, wide experience with many other small. businesses, lmowledge about people and markets, advice or choosing and using upfto-date computer power, and other general managerial tools. They also provide tax advice-which should be the least of your worries. (Sometimes a good tax accountant can actually nake you more money in tax sayings than he or she costs in fees). The two control documents 
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الأربعاء، 23 مارس 2016

On closing out Toronto Fashion Week with marching bands, blushing brides and capes

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On closing out Toronto Fashion Week with marching bands, blushing brides and capes

There’s no rest for fashion followers in a week filled with shows, presentations and parties, but with a big FASHION Magazine Awards bash followed by a sleep-filled weekend ahead, all that’s left to do is power through. And it was well worth it with dramatic capes, marching bands and blushing brides all taking a turn under the bright lights.



Eveningwear on the runway has been a major theme at the shows in Toronto. Paola Gamero set herself apart with intricate, hand-finished embroidery and sequins on lace and silk. There was something for every occasion. Sheer tops swung with swingy, sparkly strips and were paired with skintight jeans, a gala-worthy floral gown was topped with a floor-dusting cape and for the bride, a lace gown was fitted with a filmy skirt. Stunning.


It was clear to see Maram designer Maram Aboul Enein looked to the stars for inspiration. There were leather jackets emblazoned in latin script with ultra soft fur collars and net dresses beaded in constellation-like patterns. Deep moonlit colours like burgundy, black and charcoal also spoke to the theme.




Classic women’s workwear line Picadilly, designed as a team effort by David Dixon, Joeffer Caoc and Franciska Veress, is celebrating it’s 40th anniversary this season. Easy separates like wide, white trousers, mod shift dresses and tailored suiting was heightened thanks to clever styling like monochromatic mashups, cute toques and fun furry shoulder bags.

Stephan Caras isn’t known for subtle dressing and this season was no different. Designed alongside his son Kyriako, he showed OTT, skin-baring evening dresses decorated with reams of tulle, leather lattice bra tops, lots of laced details and floral sequined prints. Your best accessory this season is a big helping of self confidence.



Greta Constantine pulled out all the stops. Celebrating 10 years in the biz, there’s no doubt they showed the most exciting show of the week. Big, beautiful bows decorated throats while metallic suits, puffed up skirts, dramatic dresses and must-have leather jackets fought for space on our shopping lists. The band that marched onto the runway post-show had everyone dancing in their seats and was the perfect way to cap off a stylish week.
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الأربعاء، 7 أغسطس 2013

Malesuada Dapibus Adipiscing mi porta gravida at eget

Malesuada Dapibus Adipiscing mi porta gravida at eget

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Donec sed odio dui. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Sed posuere consectetur est at lobortis. Nulla vitae elit libero, a pharetra augue. Donec ullamcorper nulla non metus auctor fringilla. Donec id elit non mi porta gravida at eget metus. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam porta sem malesuada magna mollis euismod. Aenean eu leo quam.


Malesuada Dapibus Adipiscing
Donec id elit non mi porta gravida at eget metus. Aenean lacinia bibendum nulla sed consectetur. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Donec ullamcorper nulla non metus auctor fringilla. Donec ullamcorper nulla non metus auctor fringilla. Integer posuere erat a ante venenatis dapibus posuere velit aliquet.

Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Donec ullamcorper nulla non metus auctor fringilla.

Pellentesque ornare sem lacinia quam venenatis vestibulum. Aenean lacinia bibendum nulla sed consectetur.Cras mattis consectetur purus sit amet fermentum. Sed posuere consectetur est at lobortis. Nulla vitae elit libero, a pharetra augue. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec id elit non mi porta gravida at eget metus. Vestibulum id ligula porta felis euismod semper. Vestibulum id ligula porta felis euismod semper.

Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Integer posuere erat a ante venenatis dapibus posuere velit aliquet.
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Ridiculus Tellus Purus Nullam

Ridiculus Tellus Purus Nullam

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Donec sed odio dui. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Sed posuere consectetur est at lobortis. Nulla vitae elit libero, a pharetra augue. Donec ullamcorper nulla non metus auctor fringilla. Donec id elit non mi porta gravida at eget metus. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam porta sem malesuada magna mollis euismod. Aenean eu leo quam.


Ridiculus Tellus Purus Nullam
Donec id elit non mi porta gravida at eget metus. Aenean lacinia bibendum nulla sed consectetur. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Donec ullamcorper nulla non metus auctor fringilla. Donec ullamcorper nulla non metus auctor fringilla. Integer posuere erat a ante venenatis dapibus posuere velit aliquet.

Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Donec ullamcorper nulla non metus auctor fringilla.

Pellentesque ornare sem lacinia quam venenatis vestibulum. Aenean lacinia bibendum nulla sed consectetur.Cras mattis consectetur purus sit amet fermentum. Sed posuere consectetur est at lobortis. Nulla vitae elit libero, a pharetra augue. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec id elit non mi porta gravida at eget metus. Vestibulum id ligula porta felis euismod semper. Vestibulum id ligula porta felis euismod semper.

Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Integer posuere erat a ante venenatis dapibus posuere velit aliquet.
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Tristique Ligula Condimentum Ridiculus

Tristique Ligula Condimentum Ridiculus

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Donec sed odio dui. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Sed posuere consectetur est at lobortis. Nulla vitae elit libero, a pharetra augue. Donec ullamcorper nulla non metus auctor fringilla. Donec id elit non mi porta gravida at eget metus. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam porta sem malesuada magna mollis euismod. Aenean eu leo quam.


Tristique Ligula Condimentum Ridiculus
Donec id elit non mi porta gravida at eget metus. Aenean lacinia bibendum nulla sed consectetur. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Donec ullamcorper nulla non metus auctor fringilla. Donec ullamcorper nulla non metus auctor fringilla. Integer posuere erat a ante venenatis dapibus posuere velit aliquet.

Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Donec ullamcorper nulla non metus auctor fringilla.

Pellentesque ornare sem lacinia quam venenatis vestibulum. Aenean lacinia bibendum nulla sed consectetur.Cras mattis consectetur purus sit amet fermentum. Sed posuere consectetur est at lobortis. Nulla vitae elit libero, a pharetra augue. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec id elit non mi porta gravida at eget metus. Vestibulum id ligula porta felis euismod semper. Vestibulum id ligula porta felis euismod semper.

Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Integer posuere erat a ante venenatis dapibus posuere velit aliquet.
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