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No matter what kind of business you intend on owning, it is a good idea to estimate your business startup expenses prior to jumping in.
This Excel workbook will help you put together an estimate of costs and funding required to start your business. As you add your own costs or expense categories, the template will help you understand whether you have adequate funding. As you get your business going, you may want to consider using a more detailed business budget and other financial statements. Starting a restaurant can be expensive because of the specialized equipment and facilities that are required. The nice thing about a home based business is that you can forgo many of the typical expenses of a startup. A web based business may be one of the least expensive businesses to start, especially if you can do the web development work yourself. Our Business Start up Cost Template will also help you if you are looking for a start up franchise opportunity or looking for franchises for sale. Start by listing the sources of funding that you believe will be available to you in the Estimated column. After all your funding sources have been outlined, start putting in the estimated fixed costs.
Two key parts to the fixed costs are the Working Capital and a Reserve for Contingencies – these can be significant. Be sure to include enough Working Capital to fund your normal business operations as you grow. As a time window is provided and all the sources and costs are identified, the spreadsheet will calculate whether you have a surplus or deficit in funding. The excitement of starting the business can cause entrepreneurs to spend more than they planned.
Business Startup Costs are only part of the financials that any new business owner should put together. Below are a number of great references that can help provide you with more information and direction on starting your own business. Small Business Loans and Grants at sba.gov - Information and assistance on understanding the various Business Startup Loans and Start up Business Grants available to small businesses. Starting and Managing a Business at sba.gov - Helpful information from the SBA on starting and managing a business.
Writing a Business Plan at sba.gov - SBA information about how to put a solid business startup plan together. Great List of State Government Websites at irs.gov – A great list of very useful state government business links, listed by state.
Online and face-to-face Mentoring at SCORE - SCORE,a non-profit organization, partners with the SBA to educate entrepreneurs and help small businesses. Minority Business Development Agency at mbda.gov- Tools, information and help for those starting Minority Owned Businesses. Small Business and the FDA at fda.gov - Great information for those who are launching business under the purview of the FDA. Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. ASCA publishes the most recent, groundbreaking and noteworthy journal and magazine article updates taking place in the profession, and it also provides position statements, ethical guidelines, and national conferences to help school counselors continually polish their skills. Both Hatch and Bowers, and the leadership at ASCA, realized the need for such a Model as the entire educational system moved toward a standards-based accountability system after passage of the federal law No Child Left Behind in 2001.
National leaders in the school counseling field met in 2001, offering input and recommendations on what the Model should include.
Based on the belief that every student in the school benefits from school counseling programs, the Model set down the basic principles guiding the development of an entire school counseling program, how to implement it, and how to assess or evaluate its effectiveness. Within its guidelines and specifications, the Model also incorporates the national standards that ASCA developed for all counselors, creating an accountability system similar to the standards that all educators must follow. Every new school counselor should arrive at their first job knowing the standards and how to implement the Model, and with goals that address its principles, Hatch said. Instead enter as a professional educator, she advised, with goals, objectives and specific competencies that you plan to address, and share those goals with administrators, teachers, students and parents.
The ASCA Model states that counselors should go into all the school's classrooms and teach lessons that align with social developmental competencies, which Sene does at Grand Prairie.
Data gathering is one of the key components of the Model, and another way school counselors gather data on the needs of a school is through surveys.


In his fifth year of school counseling, Jon Strand, elementary school counselor for the Fall Creek School District, Fall Creek, Wis., said that he surveyed teachers for input on the social development skills that should be addressed in his classroom lectures. Similarly, before working with the children, he surveys their knowledge on a specific lesson, such as conflict resolution, and does another survey, after several lessons, to determine how much the kids learned from the lessons and the curriculum. Based on his assessment, he can report to all stakeholders - teachers, parents, school board members - what his program is about, what it's achieving, and what he needs to improve on.
Reporting on the efficacy of a school counseling program might frighten some counselors, but as a key component of the Model, its importance is critical, Hatch said. If a program isn't working, the school counselor develops a plan for improvement, and reports to stakeholders how the new approach will be implemented and assessed. When Strand started in his counseling position in Fall Creek, a rural community about 10 miles east of Eau Claire, Wis., the counseling program did not adhere to ASCA's Model. While many schools still struggle with the why and how of school counseling, the Model offers a professional standard with measurable results - a goal that all educators strive for. If you have a strong belief in social and emotional issues, specifically as they relate to the academic development and achievement of children, have a passion for removing barriers to learning, enjoy advocating for change, and if you believe in the leadership of school counselors as agents of change of improvement for the nation's schools, you should consider a master's degree in school counseling. Our kitchen equipment maintenance programs can help reduce the likelihood of food-borne outbreaks and maintain smooth kitchen operations for health care facilities. A Missouri bill that would require inspection stations to carry liability coverage that covers damages to patrons’ cars when they are checked has moved through two state House committees in recent weeks. The legislation, backed by the Missouri State Highway Patrol, was spurred by a constituent who lost a car door at an inspection station, according to Sen. When one of her constituents took her car in for an inspection, “the gentleman at this inspection station lost control, ripped off one of the doors to her car, and he didn’t have insurance to fix her vehicle,” Wright-Jones said in a statement, adding that the woman had to dip into her own liability policy to cover the damages.
SB 504 was passed by the state House Transportation Committee on May 2 and Rules Committee on May 10. The legislation would fix what Wright-Jones said is an unfair situation for drivers who are required to both have liability coverage on their cars and have those cars checked at emissions and safety inspection stations that aren’t required to carry the same liability coverage.
Without an inspection having liability coverage, consumers who get cheap auto insurance by dropping things like comprehensive and collision coverage, which cover the insured car’s own damages, actually could have to pay for repairs sustained at an inspection station themselves. Government entities will not be affected financially by SB 504, according to a state fiscal analysis of the legislation, although “small-business inspection stations” without liability coverage would have to purchase policies if the measure is enacted.
Missouri legislators have considered similar measures before sponsored by Wright-Jones, who authored SB 45 in 2011, SB 687 in 2010 and HB 2588 in 2008, according to Stephen Witte, a staff attorney with the state Senate. John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry.
Most Popular Places Visited By Americans In 2010, the American Society of Travel Agents (ASTA) published the results of a survey looking at the habits of holiday makers and travellers. Guest Travel ArticlesEurope & Beyond is keen to hear from guest bloggers and travel writers who want to share their experiences. An entrepreneur is usually required to put these costs together as part of a business plan, loan or grant application.
It is pre-populated with expense categories common to many small businesses and home-based businesses, so it can be very useful in helping you identify all of your start up costs, including many you may not have considered. Once you have your funding secured and you pull the trigger, use the worksheet to track your actual expenditures to help you keep your costs under control. This free template also includes a customized start up cost sheet with many cost categories specific to owning and operating a restaurant.
Continue reading below for some help with costs specific to these types of businesses as well as links to other helpful resources. Luckily, there are usually leasing options available for the expensive items and many landlords will work with you on leasehold improvements. This requires doing detailed research by calling suppliers and providers, searching the internet and listing any and all costs that may be applicable.
Any startup is advised to have a Contingency Fund as there are always last minute surprise costs and fees.
Remember that there can be a significant amount of time between when a sale is made and when you actually receive payment.
In order to have a clear picture of actual cash required, it is important to estimate your monthly operating costs as well as how many months it will take you to move from the red to the black. If you have a deficit, then you will need to figure out if there are ways to scale back your costs or look for additional funding.
We do not guarantee the results or the applicability to your unique situation or business plan.
Fortunately, she said, there are national professional organizations such as the American School Counseling Association (ASCA), a nonprofit organization based in Arlington, Va., that provide a wealth of information and guidance for those beginning their careers - and for veteran counselors as well.


Joining ASCA and following its stated ethical guidelines and professional development recommendations propels those starting out forward, and remains an indispensable resource throughout a counselor's entire career.
In the same way, education needs school counselors who are current with changes in the field. Written by Hatch and colleague Judy Bowers in 2003, it encapsulates everything required of school counselors and outlines a comprehensive school counseling program that can be implemented in any school. Reform was taking place in education, but many schools failed to recognize how school counselors could impact and affect that reform. Hatch and Bowers then spent two years writing and formalizing those recommendations, in addition to synthesizing all the various state models and research that had been done on school counseling. The Model's foundation ties students' academic achievement directly to the school mission and the appropriate behaviors that students must possess in order to learn, attend school, behave, and complete necessary tasks like homework. And stepping into a school district that already employs the Model means that new counselors don't simply ask administrators what needs to be accomplished.
She also questions teachers on any special concerns, and often builds lessons around those needs, such as on spreading rumors, stealing, whining, bullying, and the difference between tattling and reporting. Based on their input, Strand searched for a guidance counseling curriculum that met those needs. Creating PowerPoint presentations and delivering talks is critical to educating others, teaching them how and why school counseling contributes to overall school success and achievement, Hatch said.
However, after taking some professional development courses with Hatch, and connecting with ASCA, he now has implemented the Model, and continues to move toward reaching all of its stated objectives.
And by helping all the children develop academic, career and social competencies, our national economy and culture benefits as well. Whether it is a surgical instrument, a nurse or a piece of kitchen equipment, keeping everything and everybody clean and safe is paramount.
We also offer premium discounts on kitchen equipment parts & supplies, in case you have a maintenance staff in-house. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.
Orlando and Las Vegas were at the top of list for US travellers, but the most popular international travel destinations were in Europe and Mexico. As you collect funds and begin to spend money, record the Actual amounts next to the Estimated numbers.
Going into the position, the school counselor should know what the school is trying to achieve academically, if it wants to improve in any areas, and also what are the possible barriers to that success.
The top five international destinations for US travellers are listed as : London, UK Rome, Italy Paris, France Cancun, Mexico Punta Cana, Mexico What makes Europe so popular? Destinations in Europe account for the top three spots in the list for a variety of reasons.
For those Americans who are second or third generation immigrants from England and Italy, going back to visit family or discovering their roots is a common reason for taking a vacation to these countries. Secondly, the cultural and historical heritage of countries such as the UK, France and Italy are a huge attraction for US travellers.
A countries history manifests itself in architecture, monuments and museums – with London, Paris and Rome boasting some of the best in cultural sites in the world. There is still a relatively high level of  diversity between towns and countries across Europe. This is in stark comparison to many towns in the US, which often have the same chains of fast food restaurants,bars and shops. French and Italian foods in particular, are renowned as having two of the most delicious and imaginative cooking styles in Europe.
For lovers of fine cuisine, being immersed in the food of a locality is a fabulous part of any holiday experience. The two key reasons why  Mexico remains a popular destination for US travelers is simple – its really close to the US and has predictable, hot weather.
Located just south of the US, on the same land mass,  traveling to Mexico is easy by car or by plane and doesn’t involve the trans-Atlantic journey that a trip to Europe requires.



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