Worksheet (1) The Business Plan. What are we particularly good at?

Size: px
Start display at page:

Download "Worksheet (1) The Business Plan. What are we particularly good at?"

Transcription

1 The Business Plan Worksheet (1) What are we particularly good at? The purpose of this worksheet is to provide one framework for exploring answers to this question and question 2 (b) (v) in the planning template. This is a basic format that can be adjusted to include different numbers of planning participants as well as different aspects of the nonprofit s work overall, or of separate programs or other mission related activities of the nonprofit. 1. The group of people responsible for tackling this question should identify the key aspects of the nonprofit s work overall and/or each program. These are described in the left-hand column of the table. They should also identify the people inside and outside the organization whose opinions they want on the nonprofit s various program strengths. These can be signified in the first row of the table. 2. In group discussions or through consultation by members of the planning team, each individual contributing an opinion should be asked to rate the nonprofit on a scale of 1 (Poor) to 5 (Excellent) and describe briefly the reasons for this rating. 3. If there are significant differences of view, the planners can explore the nature of these differences and the reasons for them. They may then need to identify further information that is required in order to resolve these differences and allow the nonprofit to shape an informed view of its strengths. 4. This information is likely to take the form of hard data about the nonprofit work and its outcomes. The planning team can combine these data with these internal and external perceptions of what the nonprofit does very well in order to form an overall view of what the nonprofit is particularly good at in its mission related work. Aspect of Program/Work Participant One Participant Two Participant Three 1 5 Reasons Reasons Reasons Physical service environment Participant Four 1-5 Reasons Participant Five 1-5 Reasons Knowledge Skills and Techniques Relationships

2 Service/program process

3 ! "! # $!%%%! %$ &'!!!!! & " o (%)$*+&

4 o,%$%! -% & & # "'. & $%,!/0 10!& & ',!/ 1 &/ 12 & '" #%% &3% %4 2%! 5!"&% 2 & ("! $ %&

5 The Business Plan Worksheet (2) Where do we find the resources to cover the requirements of new programs or developments? The purpose of this worksheet used to provide one framework for exploring answers to this question, question 4 (c) in the planning template. This is a basic format that can be adjusted to include different numbers of income sources for each program development or activity for which new resources are required, or to encompass the whole nonprofit s income strategy. NEW OR ADDITIONAL PROGRAM ACTIVITY: Potential Gross $ Value Adjustment for interaction with other sources Predicted Gross Value Direct Costs of generating funds: - Personnel - Materials - Media - Advertising/DM - Equipment - Etc. TOTAL: Predicted Net Value Transaction costs to manage change and mitigate risks. OVERALL RATING OF VALUE OF SOURCE TO NONPROFIT Source One Source Two Source Three Source Four

6 How this worksheet can be used: The potential Gross Value of a particular source will be a judgment based on current knowledge of this particular type of revenue or support, other nonprofits levels of income from that source and market research. The adjustment for the effects of interaction with other sources will similarly need to be based on the nonprofit s own experience, what other nonprofits who have experienced such interactions can tell them, and, where this is appropriate, conversations with funders about their potential reactions to a new funding stream. "Transaction costs" can have a monetary value assigned to them. For example, a nonprofit might decide that to handle the knock-on effect of the particular change, they need the equivalent of a full-time staff member. The full cost of such a person can become the transaction cost value in dollars that is deducted from the Predicted Net Value of a particular source. Alternatively, a risk or "transaction cost" factor can be used. For example, if a nonprofit feels that the level of disruption is likely to be high, it could attach a factor of 40% and reduced the Predicted Net Value accordingly. NOTE ON PRICING OF SERVICES: One of the sources of funds that can be challenging for a nonprofit to calculate dollar values for is fee income - attaching a price to a service or product through which it delivers its mission. A fee or price can only be charged for products or services from which you can exclude people if they do not pay. The main reasons for the nonprofit applying a fee, charge or price include: The need to recover costs so that the service can continue to be offered. To recover more than costs, to make a profit, so that more money can be invested in the service or in other programs of the nonprofit. To seek out those who actually place a value on what the nonprofit provides. This could apply to education tuition and artistic productions. To ration the nonprofit service in accordance with its capacity to meet demand. This could apply to day care. To ensure "buy in" on the part of users of the service. Historically this has particular applied to counseling. In calculating what price is appropriate for a particular nonprofit service, the organization needs to be clear about goals - what difference exactly is the nonprofit trying to make through this program? With mission center stage, a nonprofit can weigh up the factors in favor of raising prices, those factors that would suggest reduced prices and how to resolve the tensions between these contradictory forces. Once it has conducted an initial analysis, it is important that the nonprofit then experiments in limited ways with different types of price based on its initial conclusions, and then adjusts levels in accordance with the results of these experiments. A nonprofit can consider imposing a price or increasing prices if: There are relatively few substitutes, i.e. little competition. The people buying the service consider it so essential that price is not a factor. They perceive that the price is so low relative to their overall income that price is not important.

7 The nonprofit wants to limit the number of consumers of its service in line with its capacity to meet demand. The nonprofit needs to recover some or more of the costs of delivering the product or service. The nonprofit wants to increase the level of "buy in" on the part of people using the service. The same nonprofit will restrict price increases or reduce the price, or decide not to charge a price at all if: The number of people it seeks to serve with this service that are deterred from using it because of the imposition of the price or a price level becomes unacceptable. This is likely to happen in most human service organizations. Imposing or increasing prices conflicts seriously with the values of key staff, volunteers, donors or other people with a strong interest in the organization. There are benefits to others beyond the consumers of the service that add to the difference that the nonprofit is trying to make. This may justify keeping prices low in order to encourage further consumption and the leverage of these extra benefits. A nonprofit committed to the welfare of low income families may keep charges for extra, after-school, hours low because it believes it is important to encourage mothers within the family be able to take late afternoon classes in order to acquire qualifications. The nonprofit can afford to finance any deficit that arises because prices mean revenues that are lower than costs. The most common way of trying to secure more money from those who can afford it while not excluding those who cannot is sliding scales or other forms of differentiating prices. Arts groups of various kinds offer cheaper prices the students or people with low incomes; they also pitch packages of concerts or other offerings. Charity health care is another example.

8 $% &% '% %! " "# "#

9 !"#$ "! %$# $$## &'"!() # * +$!!$)"'$) $),$! " "# "#

10 ()!"#$"! %$# $$## &'"!() #* +$!!$)"'$)$),$ " "#

Managerial Economics Prof. Trupti Mishra S.J.M. School of Management Indian Institute of Technology, Bombay. Lecture - 13 Consumer Behaviour (Contd )

Managerial Economics Prof. Trupti Mishra S.J.M. School of Management Indian Institute of Technology, Bombay. Lecture - 13 Consumer Behaviour (Contd ) (Refer Slide Time: 00:28) Managerial Economics Prof. Trupti Mishra S.J.M. School of Management Indian Institute of Technology, Bombay Lecture - 13 Consumer Behaviour (Contd ) We will continue our discussion

More information

WHAT IS ECONOMICS. MODULE - 1 Understanding Economics OBJECTIVES 1.1 MEANING OF ECONOMICS. Notes

WHAT IS ECONOMICS. MODULE - 1 Understanding Economics OBJECTIVES 1.1 MEANING OF ECONOMICS. Notes 1 WHAT IS Economics as a subject has assumed great importance in the field of social science. In our day to day life we use a lot of economic concepts such as goods, market, demand, supply, price, inflation,

More information

Business and Economics Applications

Business and Economics Applications Business and Economics Applications Most of the word problems you do in math classes are not actually related to real life. Textbooks try to pretend they are by using real life data, but they do not use

More information

ONE HEN ACADEMY EDUCATOR GUIDE

ONE HEN ACADEMY EDUCATOR GUIDE ONE HEN ACADEMY EDUCATOR GUIDE 2013 One Hen, Inc. 3 OHA Module 3: Loans, Interest, & Borrowing Money This OHA Module introduces students to the common financial concepts of loans, loan interest, and the

More information

Economics 212 Principles of Macroeconomics Study Guide. David L. Kelly

Economics 212 Principles of Macroeconomics Study Guide. David L. Kelly Economics 212 Principles of Macroeconomics Study Guide David L. Kelly Department of Economics University of Miami Box 248126 Coral Gables, FL 33134 dkelly@miami.edu First Version: Spring, 2006 Current

More information

A layperson s guide to monetary policy

A layperson s guide to monetary policy 1999/8 17 December 1999 A layperson s guide to Executive Summary Monetary policy refers to those actions by the Reserve Bank which affect interest rates, the exchange rate and the money supply. The objective

More information

3.2 Matrix Multiplication

3.2 Matrix Multiplication 3.2 Matrix Multiplication Question : How do you multiply two matrices? Question 2: How do you interpret the entries in a product of two matrices? When you add or subtract two matrices, you add or subtract

More information

Creating Formulas II. Multiplication/Division Percentages Order of Operations Relative and Absolute Reference

Creating Formulas II. Multiplication/Division Percentages Order of Operations Relative and Absolute Reference Creating Formulas II Multiplication/Division Percentages Order of Operations Relative and Absolute Reference Creating Formulas II In the first paper, Creating Formulas I (which I encourage you to read

More information

Prove the worth of your organization s work with this process.

Prove the worth of your organization s work with this process. What s the True Value of Your Services? Use Social Return on Investment to Find Out. Prove the worth of your organization s work with this process. By John Byrnes Principal, Community Services Analysis

More information

7 Tips for Resonating With Millennial Employees & Their Desire to Do Good. By Kaitlin Carpenter, Carousel30 and Sarah Ford, America s Charities

7 Tips for Resonating With Millennial Employees & Their Desire to Do Good. By Kaitlin Carpenter, Carousel30 and Sarah Ford, America s Charities 7 Tips for Resonating With Millennial Employees & Their Desire to Do Good By Kaitlin Carpenter, Carousel30 and Sarah Ford, America s Charities 1. Share Your Cause Work During the Hiring Process More than

More information

Key Concepts: 1. Every worker has the right and responsibility to address safety concerns in the workplace.

Key Concepts: 1. Every worker has the right and responsibility to address safety concerns in the workplace. Description: Students practice the basic skills needed to address workplace safety issues through a role-play exercise. They also identify barriers and solutions to overcoming challenges when addressing

More information

What types of benefits are available in a long term care policy or certificate?

What types of benefits are available in a long term care policy or certificate? What is long term care? Long term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from prolonged illness, disability or cognitive impairment.

More information

Preserve, protect, and promote the value of your business. Start your business trek towards transition today.

Preserve, protect, and promote the value of your business. Start your business trek towards transition today. F e d e r a l R e s e r v e B a n k o f K a n s a s C i t y O m a h a B r a n c h i n p a r t n e r s h i p w i t h Creighton University School of Law Community Economic Development Clinic Nebraska Business

More information

USES OF CONSUMER PRICE INDICES

USES OF CONSUMER PRICE INDICES USES OF CONSUMER PRICE INDICES 2 2.1 The consumer price index (CPI) is treated as a key indicator of economic performance in most countries. The purpose of this chapter is to explain why CPIs are compiled

More information

Control Debt Use Credit Wisely

Control Debt Use Credit Wisely Lesson 10 Control Debt Use Credit Wisely Lesson Description In this lesson, students, through a series of interactive and group activities, will explore the concept of credit and the impact of liabilities

More information

Life Insurance Buyer's Guide

Life Insurance Buyer's Guide Life Insurance Buyer's Guide This guide can help you when you shop for life insurance. It discusses how to: Find a Policy That Meets Your Needs and Fits Your Budget Decide How Much Insurance You Need Make

More information

The RISE Framework for Social Change

The RISE Framework for Social Change The RISE Framework for Social Change A Presentation to the Massachusetts Attorney General s 2014 Charities Conference June 10, 2014 THE SOCIAL IMPACT LAB AT NORTHEASTERN UNIVERSITY The Social Impact Lab

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 19.0 Issue date: 22 October 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information designed to help

More information

Review the event guidelines: 2. Register your event:

Review the event guidelines: 2. Register your event: Event Guidelines 1. Review the event guidelines: We appreciate your desire to support Piedmont Healthcare and want your event to be a success! Based on best practice ideas, we have prepared event guidelines

More information

Uses and Limitations of Ratio Analysis

Uses and Limitations of Ratio Analysis Uses and Limitations of Ratio Analysis Balkrishna Parab ACS, AICWA balkrishnaparab@jbims.edu F inancial statement analysis involves comparing the firm s performance with that of other firms in the same

More information

APRIL 2015. Private Foundation

APRIL 2015. Private Foundation APRIL 2015 Private Foundation A private foundation is a legal entity created, funded and operated for the primary purpose of making grants to charities. Because of its charitable mission, a private foundation

More information

1. What types of organisation do you fund? 2. Do you give grants for individual children and young people?

1. What types of organisation do you fund? 2. Do you give grants for individual children and young people? Frequently Asked Questions (FAQs) Who can apply for a grant? 1. What types of organisation do you fund? 2. Do you give grants for individual children and young people? 3. Some of the young people our organisation

More information

FREE ENTERPRISE TEST

FREE ENTERPRISE TEST FREE ENTERPRISE TEST Multiple choice. Select the best answer to the question. 1. What is an entrepreneur? A. Someone who invests time and money to start a business. B. Someone who makes a lot of money.

More information

Marginal and. this chapter covers...

Marginal and. this chapter covers... 7 Marginal and absorption costing this chapter covers... This chapter focuses on the costing methods of marginal and absorption costing and compares the profit made by a business under each method. The

More information

Banking and Budgeting

Banking and Budgeting Banking and Budgeting By Dawn R. Owens and Lisa Rutner Federal Reserve Bank of Atlanta Lesson Plan of the Year Contest, 2007 2008 Second Place LESSON DESCRIPTION This five-day unit is designed as a hands-on

More information

How to Access and Buy Business Management Software

How to Access and Buy Business Management Software How to Access and Buy Business September 2005 TABLE OF CONTENTS Introduction: Preparation is a Major Element in Making the Right Decision 3 Getting Started: An Analysis of Your Company s Needs 3 Staying

More information

JFK UNIVERSITY COMMUNITY COUNSELING CENTERS: A ROADMAP TO BUILDING ROBUST AND RESILIENT COUNSELING CENTERS

JFK UNIVERSITY COMMUNITY COUNSELING CENTERS: A ROADMAP TO BUILDING ROBUST AND RESILIENT COUNSELING CENTERS JFK UNIVERSITY COMMUNITY COUNSELING CENTERS: A ROADMAP TO BUILDING ROBUST AND RESILIENT COUNSELING CENTERS JFKU CCC 3-Year Strategic Plan EXECUTIVE SUMMARY With the publication of its Strategic Plan for

More information

Web Supplement to Chapter 2

Web Supplement to Chapter 2 Web upplement to Chapter 2 UPPLY AN EMAN: TAXE 21 Taxes upply and demand analysis is a very useful tool for analyzing the effects of various taxes In this Web supplement, we consider a constant tax per

More information

INTRODUCTION TO CREDIT

INTRODUCTION TO CREDIT Grades 4-5 Lesson 3 INTRODUCTION TO CREDIT Key concepts: card companies. Borrowing money through credit, evaluating credit and credit Summary: This lesson introduces students to credit cards, credit card

More information

WHY STUDY PUBLIC FINANCE?

WHY STUDY PUBLIC FINANCE? Solutions and Activities to CHAPTER 1 WHY STUDY PUBLIC FINANCE? Questions and Problems 1. Many states have language in their constitutions that requires the state to provide for an adequate level of education

More information

What was the impact for you? For the patient? How did it turn out? How has this helped you in your job? What was the result?

What was the impact for you? For the patient? How did it turn out? How has this helped you in your job? What was the result? EXAMPLE VALUE BASED INTERVIEW QUESTIONS VALUE LEADING QUESTION FOLLOW UP QUESTIONS KEY CRITERIA Compassion Give me an example of a time when you were particularly perceptive regarding a Describe what you

More information

Notes - Gruber, Public Finance Chapter 20.3 A calculation that finds the optimal income tax in a simple model: Gruber and Saez (2002).

Notes - Gruber, Public Finance Chapter 20.3 A calculation that finds the optimal income tax in a simple model: Gruber and Saez (2002). Notes - Gruber, Public Finance Chapter 20.3 A calculation that finds the optimal income tax in a simple model: Gruber and Saez (2002). Description of the model. This is a special case of a Mirrlees model.

More information

How much will I have to pay?

How much will I have to pay? Choosing and paying for care How much will I have to pay? How we calculate charges for social care support provided while living in your home Adult social care About this booklet This booklet provides

More information

Inheritance: Laws of Inheritance & Unfair Gifts

Inheritance: Laws of Inheritance & Unfair Gifts Inheritance: Laws of Inheritance & Unfair Gifts A woman gifted her house to her niece only two weeks before her death, thus depriving her heirs, two sisters and a brother, from their shares of inheritance.

More information

Procedure: Adapted by the Maryland Council on Economic Education 1

Procedure: Adapted by the Maryland Council on Economic Education 1 Inflation Activity Lesson Description Students frequently ask the questions, If people don t have enough money, why doesn t the government just print more and give everyone enough to buy what they need?

More information

Step 4: Define Evaluation Questions, Objectives, and Indicators

Step 4: Define Evaluation Questions, Objectives, and Indicators Step 4: Define, Objectives, and Indicators Tool: Question and Indicators Template Training Evaluation Framework and Tools (TEFT) Overview: After completing the Training Evaluation Framework Template, the

More information

Analysis of Competitive Edge College Advisors Google Adwords Campaign 6/23/15 Carter Jensen

Analysis of Competitive Edge College Advisors Google Adwords Campaign 6/23/15 Carter Jensen Analysis of Competitive Edge College Advisors Google Adwords Campaign 6/23/15 Carter Jensen I. Introduction Competitive Edge College Advisors (CECA) would like to maximize revenue per click by developing

More information

Stakeholders in a Business

Stakeholders in a Business Name: Class: Date Taken: Total Possible Marks: Stakeholders in a Business Complete the following questions in the time allowed by your teacher QUICK DEFINITIONS Write a short, accurate definition for each

More information

Calculating profitability indicators - profitability

Calculating profitability indicators - profitability Calculating profitability indicators - profitability Introduction When a business is deciding whether to grant credit to a potential customer, or whether to continue to grant credit terms to an existing

More information

Test 1 10 October 2008. 1. Assume that tea and lemons are complements and that coffee and tea are substitutes.

Test 1 10 October 2008. 1. Assume that tea and lemons are complements and that coffee and tea are substitutes. Eco 301 Name Test 1 10 October 2008 100 points. Please write all answers in ink. Please use pencil and a straight edge to draw graphs. Allocate your time efficiently. 1. Assume that tea and lemons are

More information

Varying a contract of employment

Varying a contract of employment Varying a contract of employment Acas can help with your employment relations needs Every year Acas helps employers and employees from thousands of workplaces. That means we keep right up to date with

More information

Product Development: - Loan pricing

Product Development: - Loan pricing Product Development: - Loan pricing October 2008 Peter Njuguna Deputy Program Director WOCCU SACCO Cap Project Nairobi, Kenya Course objectives Identify the two ways a SACCO can charge for loans. Recognize

More information

HOW TO COLLECT MONEY FROM YOUR LANDLORD

HOW TO COLLECT MONEY FROM YOUR LANDLORD Tip Sheet for Tenants HOW TO COLLECT MONEY FROM YOUR LANDLORD Prepared by the Tenant Duty Counsel Program and funded by Legal Aid Ontario This publication contains general information intended to assist

More information

The Business Value of Meetings: Test Your Knowledge Jack J. Phillips PhD Chairman, ROI Institute, Inc.

The Business Value of Meetings: Test Your Knowledge Jack J. Phillips PhD Chairman, ROI Institute, Inc. The Business Value of Meetings: Test Your Knowledge Jack J. Phillips PhD Chairman, ROI Institute, Inc. The Issue The recession has brought radical changes to the meetings and events industry. With the

More information

Housing Opportunities for Native Americans & Alaska Natives NativeNatives

Housing Opportunities for Native Americans & Alaska Natives NativeNatives Housing Opportunities for Native Americans & Alaska Natives NativeNatives The Section 184 Indian Home Loan Guarantee program is a home loan product for federally recognized tribal members, tribes, and

More information

GAO. MUTUAL FUND FEES Additional Disclosure Could Encourage Price Competition

GAO. MUTUAL FUND FEES Additional Disclosure Could Encourage Price Competition GAO June 2000 United States General Accounting Office Report to the Chairman, Subcommittee on Finance and Hazardous Materials; and the Ranking Member, Committee on Commerce, House of Representatives MUTUAL

More information

How to Ensure Your Healthcare Gets Paid For - Kentucky

How to Ensure Your Healthcare Gets Paid For - Kentucky Cancer Legal Resource Center 919 Albany Street Los Angeles, CA 90015 Toll Free: 866.THE.CLRC (866.843.2572) Phone: 213.736.1455 TDD: 213.736.8310 Fax: 213.736.1428 Email: CLRC@LLS.edu Web: www.disabilityrightslegalcenter.org

More information

Macroeconomics 2301 Potential questions and study guide for exam 2. Any 6 of these questions could be on your exam!

Macroeconomics 2301 Potential questions and study guide for exam 2. Any 6 of these questions could be on your exam! Macroeconomics 2301 Potential questions and study guide for exam 2 Any 6 of these questions could be on your exam! 1. GDP is a key concept in Macroeconomics. a. What is the definition of GDP? b. List and

More information

Finance, Saving, and Investment

Finance, Saving, and Investment 23 Finance, Saving, and Investment Learning Objectives The flows of funds through financial markets and the financial institutions Borrowing and lending decisions in financial markets Effects of government

More information

Professional Telesales Skills

Professional Telesales Skills Professional Telesales Skills This course is designed to improve the skills, techniques and confidence of those working in Telesales and Telemarketing. The type of individual who thrives in this type of

More information

VOCABULARY INVESTING Student Worksheet

VOCABULARY INVESTING Student Worksheet Vocabulary Worksheet Page 1 Name Period VOCABULARY INVESTING Student Worksheet PRIMARY VOCABULARY 1. Savings: 2. Investments: 3. Investing: 4. Risk: 5. Return: 6. Liquidity: 7. Stocks: 8. Bonds: 9. Mutual

More information

Croydon Housing Service Information Sheet 12

Croydon Housing Service Information Sheet 12 Croydon Housing Service Information Sheet 12 Money Matters how to deal with debt Mortgage Arrears If you're struggling to pay your mortgage, you need to act quickly - even if the problems are only temporary.

More information

Operations and Supply Chain Management Prof. G. Srinivasan Department of Management Studies Indian Institute of Technology Madras

Operations and Supply Chain Management Prof. G. Srinivasan Department of Management Studies Indian Institute of Technology Madras Operations and Supply Chain Management Prof. G. Srinivasan Department of Management Studies Indian Institute of Technology Madras Lecture - 41 Value of Information In this lecture, we look at the Value

More information

BEPS ACTIONS 8-10. Revised Guidance on Profit Splits

BEPS ACTIONS 8-10. Revised Guidance on Profit Splits BEPS ACTIONS 8-10 Revised Guidance on Profit Splits DISCUSSION DRAFT ON THE REVISED GUIDANCE ON PROFIT SPLITS 4 July 2016 Public comments are invited on this discussion draft which deals with the clarification

More information

The Challenger Sale SOUND SMART. SAVE TIME. SELL MORE. A 15-page guide to the 240-page sales book.

The Challenger Sale SOUND SMART. SAVE TIME. SELL MORE. A 15-page guide to the 240-page sales book. The Challenger Sale d e iz r a m m Su SOUND SMART. SAVE TIME. SELL MORE. A 15-page guide to the 240-page sales book. Contents (Click to Jump to a section) Quick Synopsis Key Terms Chapters 1-3: The Challenger

More information

ENGAGE GRANTS FOR COLLEGES APPLICATION CHECKLIST AND PROPOSAL TEMPLATE

ENGAGE GRANTS FOR COLLEGES APPLICATION CHECKLIST AND PROPOSAL TEMPLATE ENGAGE GRANTS FOR COLLEGES APPLICATION CHECKLIST AND PROPOSAL TEMPLATE This document contains three sections: 1. A list that summarizes the factors assessed in the review of an Engage Grant for Colleges

More information

GETTING (BACK TO) BUSINESS INTERRUPTION INSURANCE. Section 1: Lost property and lost earnings are treated separately

GETTING (BACK TO) BUSINESS INTERRUPTION INSURANCE. Section 1: Lost property and lost earnings are treated separately GETTING (BACK TO) BUSINESS INTERRUPTION INSURANCE Section 1: Lost property and lost earnings are treated separately Business interruption insurance (also known as business income protection, profit protection,

More information

CAREER NAVIGATOR Worksheet

CAREER NAVIGATOR Worksheet Career Kökua CAREER NAVIGATOR Worksheet Name: Career Navigator is not a test. It is designed to let you say what you know about yourself, your likes and dislikes, and creates a list of occupations that

More information

Job Description. Director of Fundraising and Marketing

Job Description. Director of Fundraising and Marketing Job Title: Brand Manager Salary and Pay Band: Band F, Level 2 Hours: Job Holder: Team (Directorate/ Nation): Location: Manager: 35 hours per week Vacant Fundraising and Marketing, MS National Centre North

More information

Leading Self. Leading Others. Leading Performance and Change. Leading the Coast Guard

Leading Self. Leading Others. Leading Performance and Change. Leading the Coast Guard Coast Guard Leadership Competencies Leadership competencies are the knowledge, skills, and expertise the Coast Guard expects of its leaders. The 28 leadership competencies are keys to career success. Developing

More information

PERCENTS - compliments of Dan Mosenkis

PERCENTS - compliments of Dan Mosenkis PERCENTS - compliments of Dan Mosenkis Percent Basics: Percents are connected to many ideas: fractions, decimals, proportions, relative amounts, and multiplicative change. You could say they are like the

More information

Outline of the Grant Program:

Outline of the Grant Program: Summerfest Foundation, Inc. 2016-2017 Music Education Grants In-School, After-School, and Summer Education Programs in Instrumental Music Guidelines Application Deadline: May 16, 2016 Grant Period: Funded

More information

To be used in conjunction with the Invitation to Tender for Consultancy template.

To be used in conjunction with the Invitation to Tender for Consultancy template. GUIDANCE NOTE Tendering for, choosing and managing a consultant Using this guidance This information is not intended to be prescriptive, but for guidance only. Appointing consultants for relatively small

More information

CHAPTER 1: LIMITS, ALTERNATIVES, AND CHOICES

CHAPTER 1: LIMITS, ALTERNATIVES, AND CHOICES CHAPTER 1: LIMITS, ALTERNATIVES, AND CHOICES Introduction At the heart of the study of economics is the simple but very real prospect that we cannot have it all. We have too few resources to meet all of

More information

APPLICATION FOR BOARD OF DIRECTORS AND BOARD COMMITTEES

APPLICATION FOR BOARD OF DIRECTORS AND BOARD COMMITTEES Please fill out this application form if you are interested in becoming a HOTT Board Member (a member of HOTT s Board of Directors) or if you are interested in becoming a volunteer for a Board committee.

More information

Reference: Gregory Mankiw s Principles of Macroeconomics, 2 nd edition, Chapters 10 and 11. Gross Domestic Product

Reference: Gregory Mankiw s Principles of Macroeconomics, 2 nd edition, Chapters 10 and 11. Gross Domestic Product Macroeconomics Topic 1: Define and calculate GDP. Understand the difference between real and nominal variables (e.g., GDP, wages, interest rates) and know how to construct a price index. Reference: Gregory

More information

Community Initiative. Grant Request Form. Please check that the completed application has the following:

Community Initiative. Grant Request Form. Please check that the completed application has the following: Community Initiative Grant Request Form Please check that the completed application has the following: An audited financial statement or annual financial review. A list of names and contact numbers for

More information

MEMORANDUM. TO: Local Brethren Church Leaders FROM: Tony Van Duyne DATE: September 2012 RE: 2013 Pastoral Compensation Recommendations

MEMORANDUM. TO: Local Brethren Church Leaders FROM: Tony Van Duyne DATE: September 2012 RE: 2013 Pastoral Compensation Recommendations MEMORANDUM TO: Local Brethren Church Leaders FROM: Tony Van Duyne DATE: September 2012 RE: 2013 Pastoral Compensation Recommendations In most churches this is the time of the year when the salary and benefits

More information

The Psychology of Travel Consumer Behavior

The Psychology of Travel Consumer Behavior The Psychology of Travel Consumer Behavior January 2003 The Strategic Travel Action Resource or STAR is a timely, topical, brief report replacing what was currently referred to as an Industry Report. The

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) Version: Version 19 Issue date: 22 October 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information

More information

Best Practices in Charity Annual Reporting

Best Practices in Charity Annual Reporting Best Practices in Charity Annual Reporting L ess ons f rom t he Volu nt ar y S e c tor Re p or ti ng Aw ards 2012 EDITION CA-Queen s Centre for Governance Smith School of Business Goodes Hall, Room 226

More information

Tips for Avoiding Bad Financial Advice

Tips for Avoiding Bad Financial Advice Tips for Avoiding Bad Financial Advice This guide is a free public service from Paladin Registry. It contains information that will increase your awareness about issues that concern advisors and help you

More information

Management of Teacher Work

Management of Teacher Work Management of Teacher Work Last updated 2 November 2015 MANAGEMENT OF TEACHER WORK CONTENTS PAGE OVERVIEW... 2 ALLOCATION OF TEACHER WORK... 2 Face-to-face... 3 Replacement classes... 5 Other duties...

More information

Teens in Foster Care and Their Babies

Teens in Foster Care and Their Babies Teens in Foster Care and Their Babies 2013 If you are a pregnant or parenting teenager in foster care, you may have some questions or concerns. Being a teen parent can be stressful, and the added demands

More information

Understanding Short Breaks Topline Findings

Understanding Short Breaks Topline Findings Understanding Short Breaks Topline Findings Insert Doc 1. Consumers experience of the downturn and recovery Some optimism beginning to emerge for some, with a sense that they can make plans for the year

More information

Partnering with you to buy your home or investment property. Buying an Investment property

Partnering with you to buy your home or investment property. Buying an Investment property Partnering with you to buy your home or investment property Buying an Investment property Buying an investment property Investment property expenses To run a successful rental property you ll need a detailed

More information

Applying for Affordable Housing: Applicant Income Guide

Applying for Affordable Housing: Applicant Income Guide Applying for Affordable Housing: Applicant Income Guide NYC Housing Connect: Income Guide [FRONT/PAGE 1] ABOUT THIS GUIDE Your income is an important part of your affordable housing application. This guide

More information

How Do You Manage Money? Lesson 3a: How Do People Make Good Spending Decisions?

How Do You Manage Money? Lesson 3a: How Do People Make Good Spending Decisions? How Do You Manage Money? Lesson 3a: How Do People Make Good Spending Decisions? Adopted from lesson plans created by Jennifer Raeder for the San Francisco Unified School District s Kindergarten to College

More information

Diving Into Spending Plans Grade Level 7-9

Diving Into Spending Plans Grade Level 7-9 2.15.1 Diving Into Spending Plans Grade Level 7-9 Get Ready to Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.1,

More information

Customer Services Team Leader. Recruitment Pack

Customer Services Team Leader. Recruitment Pack Customer Services Team Leader Recruitment Pack SECTION 1 June 2016 Customer Services Team Leader Thank you for your interest in this position. This is a new role which has arisen following a recent restructure

More information

Introductory Microeconomics

Introductory Microeconomics Introductory Microeconomics January 7 lecture Economics Definition: The social science concerned with the efficient use of scarce resources to achieve the maximum satisfaction of economic wants. Efficient:

More information

Arguments and Dialogues

Arguments and Dialogues ONE Arguments and Dialogues The three goals of critical argumentation are to identify, analyze, and evaluate arguments. The term argument is used in a special sense, referring to the giving of reasons

More information

BlueSail Advisors LLC

BlueSail Advisors LLC Item 1 Cover Page Part 2A & B Form ADV: Firm Brochure Dated: June 1, 2016 BlueSail Advisors LLC 2101 L Street NW Suite 400 Washington, DC 20037 Contact Information: Todd Shears Phone: (202) 467-8352 Email:

More information

chapter >> First Principles Section 1: Individual Choice: The Core of Economics

chapter >> First Principles Section 1: Individual Choice: The Core of Economics chapter 1 Individual choice is the decision by an individual of what to do, which necessarily involves a decision of what not to do. >> First Principles Section 1: Individual Choice: The Core of Economics

More information

Social Return on Investment

Social Return on Investment Social Return on Investment Valuing what you do Guidance on understanding and completing the Social Return on Investment toolkit for your organisation 60838 SROI v2.indd 1 07/03/2013 16:50 60838 SROI v2.indd

More information

Measuring the Aggregate Economy

Measuring the Aggregate Economy CHAPTER 25 Measuring the Aggregate Economy The government is very keen on amassing statistics... They collect them, add them, raise them to the n th power, take the cube root and prepare wonderful diagrams.

More information

Code of Conduct on Mortgage Arrears. A Consumer Guide

Code of Conduct on Mortgage Arrears. A Consumer Guide Code of Conduct on Mortgage Arrears A Consumer Guide Introduction If you are having trouble paying your mortgage or think you may have trouble paying your mortgage in the near future, the Central Bank

More information

Lesson Plan. Financial Ratios Financial Analysis Finance. Performance Objective Students calculate financial ratios to evaluate company performance.

Lesson Plan. Financial Ratios Financial Analysis Finance. Performance Objective Students calculate financial ratios to evaluate company performance. Financial Ratios Financial Analysis Finance Lesson Plan Performance Objective Students calculate financial ratios to evaluate company performance. Specific Objective Discuss the use of financial ratios

More information

Applicant Income Guide

Applicant Income Guide Applying for Affordable Housing: Applicant Income Guide ABOUT THIS GUIDE Your income is an important part of your affordable housing application. This guide shows you how your income is calculated for

More information

SOCIAL RETURN ON INVESTMENT ANALYSIS PUBLIC BENEFITS LEGAL SERVICES For the year ended December 31, 2013 TABLE OF CONTENTS

SOCIAL RETURN ON INVESTMENT ANALYSIS PUBLIC BENEFITS LEGAL SERVICES For the year ended December 31, 2013 TABLE OF CONTENTS SOCIAL RETURN ON INVESTMENT ANALYSIS PUBLIC BENEFITS LEGAL SERVICES For the year ended December 31, 2013 TABLE OF CONTENTS Section Page What is Social Return on Investment? 1 Justice & Diversity Center

More information

Aide-Mémoire. Impact of Currency Exchange Fluctuations on UNHCR s Operations

Aide-Mémoire. Impact of Currency Exchange Fluctuations on UNHCR s Operations Aide-Mémoire Impact of Currency Exchange Fluctuations on UNHCR s Operations 1. Following a request at the thirty-second meeting of the Standing Committee in March 2005, under the agenda item Update on

More information

Sample. Session 4: Case Analysis & Planning. Identify potential legal and non-legal options for achieving client goals

Sample. Session 4: Case Analysis & Planning. Identify potential legal and non-legal options for achieving client goals Session Goals Session 4: Case Analysis & Planning Demonstrate ability to clarify client s goals Identify potential legal and non-legal options for achieving client goals Evaluate legal options using a

More information

CENTRE FOR TAX POLICY AND ADMINISTRATION

CENTRE FOR TAX POLICY AND ADMINISTRATION ORGANISATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT TRANSFER PRICING METHODS JULY 2010 Disclaimer: The attached paper was prepared by the OECD Secretariat. It bears no legal status and the views expressed

More information

AMA student guide to advocacy Protect public service loan forgiveness

AMA student guide to advocacy Protect public service loan forgiveness MEDICAL STUDENT ADVOCACY AND REGION CONFERENCE AMA student guide to advocacy Protect public service loan forgiveness The federal Public Service Loan Forgiveness (PSLF) Program was created in 2007 and offers

More information

Cost of higher education: A student affairs perspective. Dr. Javaune Adams-Gaston Vice-President for Student Life The Ohio State University

Cost of higher education: A student affairs perspective. Dr. Javaune Adams-Gaston Vice-President for Student Life The Ohio State University Cost of higher education: A student affairs perspective Dr. Javaune Adams-Gaston Vice-President for Student Life The Ohio State University Introduction Roadmap Cost Benefits Student debt Impact of debt

More information

1 Scope and Objectives of Financial Management

1 Scope and Objectives of Financial Management 1 Scope and Objectives of Financial Management BASIC CONCEPTS 1. Definition of Financial Management Financial management comprises the forecasting, planning, organizing, directing, co-ordinating and controlling

More information

Procurement Category: Energy. Energy Market Forces: Friend or Foe?

Procurement Category: Energy. Energy Market Forces: Friend or Foe? Procurement Category: Energy Energy Market Forces: Friend or Foe? As dynamic energy pricing becomes more prevalent in the industry, multi-site organizations are presented with new challenges, as well as

More information

Funding for your first year: what you need to know

Funding for your first year: what you need to know Funding for your first year: what you need to know 2015/16 Finance essentials Information for UK students and their parents or carers Inside about us financial support help with living costs cost of living

More information

lesson three budgeting your money teacher s guide

lesson three budgeting your money teacher s guide lesson three budgeting your money teacher s guide budgeting your money lesson outline lesson 3 overview I m all out of money, and I won t get paid again until the end of next week! This is a common dilemma

More information

MOST FREQUENTLY ASKED INTERVIEW QUESTIONS. 1. Why don t you tell me about yourself? 2. Why should I hire you?

MOST FREQUENTLY ASKED INTERVIEW QUESTIONS. 1. Why don t you tell me about yourself? 2. Why should I hire you? MOST FREQUENTLY ASKED INTERVIEW QUESTIONS 1. Why don t you tell me about yourself? The interviewer does not want to know your life history! He or she wants you to tell how your background relates to doing

More information