‏إظهار الرسائل ذات التسميات Sport. إظهار كافة الرسائل
‏إظهار الرسائل ذات التسميات Sport. إظهار كافة الرسائل

الثلاثاء، 27 فبراير 2018

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الأحد، 16 أكتوبر 2016

MESOTHELIOMA LAW FIRM

MESOTHELIOMA LAW FIRM


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THE FINANCING PROPOSAL

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

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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الخميس، 28 يوليو 2016

United States Military Academy

United States Military Academy




The United States Military Academy (USMA), also known as West Point, Army, The Academy, or simply The Point, is a four-year coeducational federal service academy located in West Point, New York in Orange County. It sits on scenic high ground overlooking the Hudson River, 50 miles (80 km) north of New York City.

The Academy traces its roots to 1801, when President Thomas Jefferson directed, shortly after his inauguration, that plans be set in motion to establish the United States Military Academy at West Point. The entire central campus is a national landmark and home to scores of historic sites, buildings, and monuments. The majority of the campus's Norman-style buildings are constructed from gray and black granite. The campus is a popular tourist destination complete with a large visitor center and the oldest museum in the United States Army.

Candidates for admission must both apply directly to the academy and receive a nomination, usually from a member of Congress or Delegate/Resident Commissioner in the case of Washington, D.C., Puerto Rico, Northern Mariana Islands, Guam, American Samoa, and the Virgin Islands. Other nomination sources include the President and Vice President of the United States.[6] Students are officers-in-training and are referred to as "cadets" or collectively as the "United States Corps of Cadets" (USCC). Tuition for cadets is fully funded by the Army in exchange for an active duty service obligation upon graduation. Approximately 1,300 cadets enter the Academy each July, with about 1,000 cadets graduating.

The academic program grants a bachelor of science degree with a curriculum that grades cadets' performance upon a broad academic program, military leadership performance, and mandatory participation in competitive athletics. Cadets are required to adhere to the Cadet Honor Code, which states that "a cadet will not lie, cheat, steal, or tolerate those who do." The academy bases a cadet's leadership experience as a development of all three pillars of performance: academics, physical, and military.

Most graduates are commissioned as second lieutenants in the Army. Foreign cadets are commissioned into the armies of their home countries. Since 1959, cadets have also been eligible to "cross-commission", or request a commission in one of the other armed services, provided that they meet that service's eligibility standards. Every year, a very small number of cadets do this, usually in a one-for-one "trade" with a similarly inclined cadet or midshipman at one of the other service academies.

The academy's traditions have influenced other institutions because of its age and unique mission. It was the first American college to have an accredited civil-engineering program and the first to have class rings, and its technical curriculum was a model for later engineering schools. West Point's student body has a unique rank structure and lexicon. All cadets reside on campus and dine together en masse on weekdays for breakfast and lunch. The academy fields fifteen men's and nine women's National Collegiate Athletic Association (NCAA) sports teams. Cadets compete in one sport every fall, winter, and spring season at the intramural, club, or intercollegiate level. Its football team was a national power in the early and mid-20th century, winning three national championships. Its alumni and students are collectively referred to as "The Long Gray Line", and its ranks include two Presidents of the United States (as well as the President of the Confederate States of America), presidents of Costa Rica, Nicaragua, and the Philippines, numerous famous generals, and seventy-five Medal of Honor recipients.



top military colleges in usa



List of United States military schools and academies



Private college-prep military schools
Admiral Farragut Academy (St. Petersburg, Florida; coeducational)
Army and Navy Academy (Carlsbad, California)
Benedictine College Preparatory (Goochland, Virginia)
Camden Military Academy (Camden, South Carolina)
Carson Long Military Institute (New Bloomfield, Pennsylvania)
Chamberlain-Hunt Academy (Port Gibson, Mississippi; coeducational)
Christian Brothers Academy (Albany, New York)
Culver Military Academy (Culver, Indiana)
Fishburne Military School (Waynesboro, Virginia)
Florida Air Academy (Melbourne, Florida; coeducational from 2005)
Fork Union Military Academy (Fork Union, Virginia)
Hargrave Military Academy (Chatham, Virginia)
Howe Military School (Howe, Indiana; coeducational)
La Salle Institute (Troy, New York)
Leonard Hall Junior Naval Academy (Leonardtown, Maryland; coeducational)
Lyman Ward Military Academy (Camp Hill, Alabama)
Marine Military Academy (Harlingen, Texas)
Marion Military Institute (Marion, Alabama; coeducational)
Massanutten Academy (Woodstock, Virginia; coeducational)
Millersburg Military Institute (Millersburg, Kentucky)
Missouri Military Academy (Mexico, Missouri)
New Mexico Military Institute (Roswell, New Mexico; coeducational)
New York Military Academy (Cornwall on Hudson, New York; coeducational)
Oak Ridge Military Academy (Oak Ridge, North Carolina; coeducational)
Randolph-Macon Academy (Front Royal, Virginia; coeducational)
Riverside Military Academy (Gainesville, Georgia)
San Marcos Baptist Academy (San Marcos, Texas)
St. Catherine's Academy (Anaheim, California; Kindergarten - 8th Grade; all boys)
St. John's College High School (Washington, DC; first JROTC school in the USA; coeducational)
St. John's Military School (Salina, Kansas)
St. John's Northwestern Military Academy (Delafield, Wisconsin)
St. Thomas Academy (Mendota Heights, Minnesota)
Southeastern Military Academy (Port St. Lucie, Florida)
TMI — The Episcopal School of Texas (San Antonio, Texas[2]
Valley Forge Military Academy and College (Wayne, Pennsylvania)
Wentworth Military Academy (Lexington, Missouri; coeducational)
Wisconsin Air Academy (New Berlin, Wisconsin; 6th-12th Grades; coeducational)
Public schools
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السبت، 19 مارس 2016

Joe Haden has unexpected ankle surgery, 'should be ready' for start of 2016

Joe Haden has unexpected ankle surgery, 'should be ready' for start of 2016




 Joe Haden, the Browns' shutdown corner, underwent surgery on his left ankle Wednesday, but "should'' be ready for the start of the 2016 season, the club said in a release.
Haden, who underwent the surgery in Charlotte, North Carolina by Dr. Robert Anderson, is also "expected to resume football activities during training camp'' the release said. That means the Browns are making no promises.
Haden, who finished the season on injured reserve with a serious concussion, suffered the ankle injury during a Week 8 home game against the Cardinals, but it didn't start bothering him until he began working out again recently.
Haden started only five games in 2015 and was inactive for eight with various injuries including the concussion, a broken finger, the ankle and a rib injury.
He was placed on injured reserve on Dec. 14 after not clearing the NFL's concussion protocol. Haden cleared the tests on Jan. 12, 2016.
The loss of Haden for most of last season was a huge blow, especially considering that 2014 No. 8 overall pick Justin Gilbert was a huge disappointment for the second straight year and started only one game.
If Haden isn't ready for the start of the season, the Browns could be in dire straights. They also lost starting free safety Tashaun Gipson to the Jaguars in free agency.
Entering his seventh season, the No. 7 pick in the 2010 NFL Draft and two-time Pro Bowler has started 68 of 77 games and compiled 16 interceptions with the Browns.
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Ohio State women gambled and won without their second-best player, but will she play Sunday?

Ohio State women gambled and won without their second-best player, but will she play Sunday?



COLUMBUS, Ohio -- Her right hand and wrist wrapped in ice, Ameryst Alston, the fourth-leading scorer in the history of Ohio State women's basketball, sat in a folding chair on the sideline at St. John Arena.

This was about 40 minutes after the Buckeyes beat Buffalo 88-69 in an NCAA Tournament opener Friday. But this was also what Alston had done for 40 minutes during the game, though she was sitting next to her teammates then, not her boyfriend.
"It was a little bit of a gamble," Ohio State coach Kevin McGuff said after the win without the first-team All-Big Ten player, "but we were obviously able to get through today's game without her, and so I'm still optimistic that she can help us on Sunday."




Optimism was in the air Thursday as well, before this game. Optimism only takes you so far. You almost get a feeling the Buckeyes could be optimistically waiting for Alston right up until the end of the season, while she's still watching.
This is what athletes do every day, balance pain. Asked whether the issue with her two-week-old wrist injury was pain tolerance or a risk of further injury, Alston told cleveland.com it was both.
As the Buckeyes move deeper in the NCAA Tournament, the context around the injury changes. The second round Sunday is different than the first round Friday.
Sunday is against No. 6 seed West Virginia, the third-place team in the Big 12 during the regular season. Friday was against No. 14 seed Buffalo, the eighth-place team in the MAC during the regular season.
"I would like to play," Alston said. "But I'm taking it day by day, depending on how I feel."
The Buckeyes waxed West Virginia last season, but that was right before Christmas break and the Mountaineers may have been dreaming of sugar plums in a 42-point loss in Columbus. Don't expect that this time.
But maybe expect that if Alston's not out there Sunday, her nearly 19 points and 36 minutes per game will be ably filled.
Sophomore Asia Doss found a balance of asserting herself without trying too hard while scoring a career-high 16 points on 5-of-7 shooting Friday. 
"She's got enough experience now where she's going to get a few more shots, but get them in the flow of the game," McGuff said of Doss finding more room to work in Alston's absence. "And that's what I really liked today. Everything she got was within the flow and that's why I think the results were so good for her."
Against the Bulls, the Buckeyes' offense didn't look like it had a gaping hole. That was especially true when they ran. They're always better up-tempo, but against West Virginia, no Alston might mean a six-player rotation. Friday, subs Kalpana Beach and and Chelsea Mitchell were able to contribute 25 minutes that can't be assumed against the No. 23 team in the country.
Even an Alston who can't shoot could be of service for a few minutes here and there Sunday.
It won't just come down to Alston. If the Buckeyes get efforts like they got from Doss and Makayla Waterman, if Shayla Cooper is active and confident like she was during her 17-point effort Friday, they can win without her. And Friday was a typical Kelsey Mitchell day, the 25.7 point scorer dropping in 27. She has three games of 40-plus points this season, so there's a chance she adds a fourth if the Buckeyes need it Sunday.
You'd just like to see the senior out there. 
Alston has already dealt with the how-can-this-be-happening feelings that would hit any star looking at an injury-plagued end to her career. Now there's pragmatism with the optimism. 
Friday, Alston and McGuff trusted the other Buckeyes could get it done. They were right.
Sunday, they could do the same and still punch a ticket to the Sweet Sixteen.
Or Alston could hit the court with a smaller brace and a tape job, not the larger brace that went over her thumb that she wore as she watched warmups Friday.
She's tried that brace out.
"It's cool," she said.
The Buckeyes have tried out winning without her. It was cool. They were able to plan for two weeks this time after losing in the Big Ten semis two weeks ago the first time they tried to go without Alston.
Whether Alston plays or not Sunday, it feels like a bit of a gamble either way. That means the Buckeyes will need a little luck. 
But not just luck. They're better than that.
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الأربعاء، 7 أغسطس 2013

Venenatis Ornare Dolor Dapibus

Venenatis Ornare Dolor Dapibus

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