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again if you're brand new entrepreneur you have no business applying for a business loan from the bank to start a business it just doesn't work that way welcome back to my youtube channel my name is Olivia and so and my channel is about entrepreneurship business insight hustling if that is something you're interested in be sure to subscribe and hit the bell so you are notified when I post new videos every single week today we are talking about how to write a business plan for brand new entrepreneurs so if you've never wrote a business plan before or you're brand new entrepreneur and you feel like you need a business plan this is what I use for all my businesses and I'm excited to walk you through it before we get into the video here is a disclaimer I am NOT a financial adviser and this business plan is for a brand new entrepreneur someone that has never written a business plan before that has a business idea and wants to create a plan on how to execute on that business idea so there are a lot of things that I live out of my business plans because to me they are not important again don't try to correct me in the comments on why didn't you add this and why didn't you add that and a business plan is supposed to have this and that I create my business plan goes off of what has worked for me in the past and what I believe a brand-new entrepreneur should focus on when writing a business plan and also this business plan is not the type that you use to apply for a loan from the bank again if you're brand new entrepreneur you have no business applying for a business loan from the bank to start a business it just doesn't work that way you are supposed to look into your business idea figure out how you can fund it yourself and then grow the business slowly reinvesting the profits back into the business to grow it not applying for a loan that you're gonna have to pay off while you're starting the business so now that we have that out of the way let's get into the video the very first thing you need to do is to articulate your goal through this video I'm going to use my dress store I know I've used it a couple of times as an example but the reason why I use it is because my goal was to make a five thousand dollars a month that is not a lot of money that is an achievable goal and I feel like anyone can relate with that because again it's not a lot of money and anyone can do it I've started other businesses where my goal was to make a million dollars in a year and yes I did do that but I don't want to use that example because it's so many years of experience and blah blah blah for me to be able to achieve that so I'm going to use that that example and if you want to learn more about that business I'm gonna leave it in this video and also I'm gonna link a video on how to set financial goals in this video so you can go back and watch those after you watch this now when you articulate your goal that means deciding exactly what you want to make a month with my example I wanted to make five thousand dollars a month to supplement our family income my husband had a good job but I did not want to sit at home I wanted to make some extra income so I wanted to make five grand a month that is where I started so you decide how much money do you want to make per month if you currently have a job and your idea is I make three thousand dollars a month at my job I would want to replace that income so I can get out of this job and fully work for myself that's where you need to start the second step is analyzing your product or service or whatever business that you're trying to write a business plan form with my example I looked at what people were offering in Uganda there were a lot of boutiques I looked at where do they get sourced their dresses or products from and the majority were getting from China and some people were getting from Europe I was in the United States so that right there was a little bit of an upper hand and then I saw that most dresses in Uganda because people get from China and Europe there were all smaller sizes me being in the u.s. gave me access to really nice plus-size dresses so there was another point that was making me special so then I looked at pricing mcvane this was eight years ago an average dress was anywhere between fifty seventy eighty dollars and then sometimes depending on if it's a party dress or whatever it would kind of go up so looking at the average of between fifty and seventy dollars I realized that okay I can sell my dresses at $100 a dress I would figure out how to cut costs when I'm buying the dresses here to maximize my profit margins so you analyze your product or service so look at what is your competition doing how much are they charging what is going to make you stand out from them and then how much are you going to charge for your product that is analyzing your product and who you're going to offer it to Plus how much you're going to charge for it step three is marketing and I feel like marketing and sells there's just a very thin line between the tail so the kind of work together and marketing Ansel's are the heart of your business the moment it stops beating who your dad so if you have no sells you have no business and you need to market to be able to get those cells so the first step in marketing is basically customer analysis figuring out the characteristics of your ideal client why do they need your product where are you going to find these customers and what strategies will you use to reach them and then the second part of marketing is customer acquisition so you list the strategy that you're going to use to reach those customers what steps you're going to take to use those strategies and how you're going to track how many customers you're getting from where so that later on was your business grows you know okay if I market in this specific area here's the return on investment if I spent $1 marketing on a flyer and I get five customers then it means I need to do more of those flyers so you need to track where your customers are coming from and then lastly is how much is it going to cost you so with my example I knew that my I do customer was the wealthy plus-sized ladies of Uganda and why do they need my product was there are not really many really nice plus-size dresses in Uganda where was I going to find them I was gonna find them on social media what strategy was I going to use to reach them I was going to take pictures get plus-size models take pictures and post them on Facebook and also use that Facebook to add random people I used to add people that I didn't know if I looked at your Facebook profile and I saw that you look nice I would add you so in the beginning when I started doing that I realized that my pictures that I'd post would get a lot of shares and I kept getting more shares and it really wasn't costing me anything so I realized that social media was working for me specifically Facebook so I'm gonna continue doing that later on and one of my marketing strategies was to try and get the celebrities of Uganda to wear my clothes in exchange for admission and I tried that for like maybe a couple months and they didn't work out I wasn't seeing the return on investments so it's very very important to track where your customers are coming from maybe you'll create a spreadsheet or notes on your phone or whatever but just write down ever that your marketing and keep note of I marketed here and here's how many clients I got out of it step four is production and distribution so what is your service or product and how are you going to basically go from having raw materials so say you're trying to make a dress I'm gonna go to Walmart and I'll get material and then I'm gonna get a sewing machine and then I'm gonna get threads and buttons and blah blah blah and then once I'm done putting this dress together how am I going to distribute it so am I gonna upload it on their website and then market the website so people can buy the dress and then once someone buys the dress what am I going to do am I going to pack it in a small package that costs a dollar and ship it to them or am I going to drive I'm gonna sell in only in my neighborhood or I'm just going to go to flea markets and I'm going to sew there so what is your production process and your distribution how are you going to make the product and sell it so with my example was I didn't really have production but I knew I needed to buy dresses I had kids my kids were really young at that point so I needed to figure out a plan on when am I going to go shopping after I come from shopping I need to review in basic a'right down what it should just cost me and take pictures of it and then pack it in a box create time to go and ship those boxes to uganda and then on top of that figure out what time am i going to be posting these pictures that I took and when did boxes of dresses arrive in Uganda who is receiving them how are we paying taxes how are we getting the dress from the box to the client that is what you need to look at how are you going to deliver your service how are you going to deliver your product how are you producing it and how are you distributing it once you figure out your production and distribution now is the time to look at what are the startup costs so production and distribution costs are going to be all the recurring so you're going to need to buy materials constantly and you're going to need to distribute ship them how much it's going to cost some boxes but then these startup costs that are not going to be recurring so with the example of if you're going to make a dress you need to buy a sewing machine you're gonna need to buy that sewing machine once so what are they startup costs that you need maybe you need to build a website to sell those dresses how much is it going to cost you to build that website so after you figure out your production and distribution then look at everything that's going in your business and what of those are going to be a one-time costs and write those down now I am going to be linking a template of my business plan down in the description so be sure to click on that and download it it basically takes you through all the steps that I'm trying to explain to you in this video so be sure to check that out down in the description so now we go into the cost of production what is each step going to cost you what are the materials going to cost you what is the distribution going to cost you what are all the one-time costs going to be and then when you're done with that then you get into the next step where you're analyzing overall costs to make your product and what you're going to sell it for so now we go into the production cost analysis you've looked at all the products that you're going to need to put to create your product or service and then you're going to look at all the distribution costs and then you have the one-time costs which are called startup costs so then you put all those costs together and figure out how much it's going to cost you so with my example again I knew that I was going to buy it's just $20 and it was going to cost me about $7 to ship it I calculated how much was going to cost me for the people that are receiving it employ years or the rent that overhead costs and blah blah blah and he was going to end up being $50 so then we go into what you're going to price your product or service so here is the price analysis one you have from the beginning where you did your market analysis and you kind of have an idea of what marketing is going to be and what it's going to cost you and then you went into product production and distribution so you know here's how much each of us is going to cost me or if it's a service and all you need is a computer and Internet and your time and blah blah blah you know what it's going to cost you and you know what the distribution is going to cost you so if I ship this and dress so this product via USPS a small box costs me six dollars or five dollars so you're going to add all of those costs and then you add your profit margin on it with my example I all might cost everything ended up being around $50 and I was going to sell each at $100 so that gave me a profit margin of 50% and my cus were going to be 50% and my plan was if I saw a hundred dresses per month which is pretty easy to sell 100 dresses per month I would have my costs at $5,000 and I would have my profit of $5,000 which is we're going back to the beginning my goal was to make $5,000 a month so through going through all of these steps go to me 250 dollars in expenses I need to sell at $50 per dress and my goal is to sell $100 to be able to make $10,000 a month expenses profit done so the next step after the price analysis is executing the plan you just figure out all your costs you know what you're gonna sell you have a marketing plan start marketing and selling and just making that money and the moment that you reach that goal say for example my goal was to make $10,000 a month 5,000 in expenses 5,000 in profit for me the moment that I reached that goal then I went into growth which is like the next really major step in a business plan however I don't usually add this in my startup business plan mainly because you don't know what you don't know and the lessons that you learn as you're growing your business as you're starting it what you use to put into this work plan or what you may even call scaling and so what I mean by all those lessons is I'm going to give you an example with my dress store I used to go to the mall because I could not risk buying something online and it comes in the wrong size or the materials not good or whatever so I used to go to the mall and handpick each dress turn it around make sure there is no damage there is nothing like that I it was good I know exactly what I'm buying and as I was reaching my goal of making ten thousand dollars a month I go to a point where I was growing and I was growing fast so I could not really go to the malls every single day to buy dresses and so part of my growth strategy was to start doing some online shopping now why did when I say that you're learning mistakes and you're learning what you're gonna use to grow as from me going to different stores and buying dresses I knew that this brand sold really well in Uganda I know this brand just because they said that dress is a size 10 doesn't mean it's a size 10 their size 10 is a size 8 so all of these things that you're learning you're gonna use once you're ready to grow so then I knew if I'm gonna go online I know that this dress style this designer sells really well and I can order online knowing that if I order 10 it's gonna be eight so if I know I want to buy a size 16 in this address I'm gonna order size 18 so that is when you start putting the growing and the the scow in place with using the mistakes that you've already made another example in terms of mistakes would be for example if you shipped a package and it got lost or it broke apart in transit you're gonna know okay that did not work so as I'm growing maybe you've already fixed it you know that you're putting a new process in place and that is next time I ship something I have to shape it with certified mail or I need better double box --is that are not gonna break in transit that next part I feel like it deserves its own video it is not in the business plan template that I gave you because again I feel like the startup business plan should focus on making sure you're going to actually make that money you're going to figure out the costs you're going to figure out production you're going to figure out a distribution and then finally once you start making the money then you take a pause you look at what worked and then you put a growth strategy in place I am leaving a template of my business plan in the description below and in the future I am going to make a how to scale video and that will start from where we ended on this video as well as I am starting an Amazon delivery service business so I'm going to make a video once I get more information on that Amazon delivery service I'm going to use this exact same template and I will complete it with exact details so you can also better understand it so if that is something you're interested in definitely be sure to subscribe and hit the bell so that you are notified when I post this videos every week I post on Tuesdays Thursdays and sundae's and if you have not subscribed yet please subscribe it definitely helps my channel a lot and the YouTube algorithm likes it when you subscribe and you like in your comment thank you and I will see you next week [Music]

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How do you make this information that was not in a digital format a computer-readable document for the user? " "So the question is not only how can you get to an individual from an individual, but how can you get to an individual with a group of individuals. How do you get from one location and say let's go to this location and say let's go to that location. How do you get from, you know, some of the more traditional forms of information that you are used to seeing in a document or other forms. The ability to do that in a digital medium has been a huge challenge. I think we've done it, but there's some work that we have to do on the security side of that. And of course, there's the question of how do you protect it from being read by people that you're not intending to be able to actually read it? " When asked to describe what he means by a "user-centric" approach to security, Bensley responds that "you're still in a situation where you are still talking about a lot of the security that is done by individuals, but we've done a very good job of making it a user-centric process. You're not going to be able to create a document or something on your own that you can give to an individual. You can't just open and copy over and then give it to somebody else. You still have to do the work of the document being created in the first place and the work of the document being delivered in a secure manner."

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Downloading and installing Adobe Creative Suite on all the computers in the network is a time-consuming process, but it can be completed by just a few keystrokes. 1. Install Adobe Reader on all the computers Before we begin, please note that we do not recommend installing Adobe Photoshop (CS6 and above) or Adobe InDesign (CS3 and below) on any computer that is not connected to a network. These programs are designed for use with other Adobe tools, and if the computer is not connected to a network, the chances of them running will decrease.

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A. A valid electronic signature includes a signature or electronic signature card as defined in NRS (NRS , ) 1. A signature or digital signature card is a printed or stored electronic signature that is stored in electronic records maintained by the county clerk for a county, state, or federal office and is not a written signature, an unregistered electronic signature, or an invalid electronic signature. 2. A signature or digital signature card that is not recorded in an electronic database must be presented for signature on demand in accordance with chapter 645, 625, or 626 of NRS. (Added to NRS by 1997 of NRS by 2007; A 2009, 2484; 2015, 2032) NRS Signature or digital signature card: Limitations on use, confidentiality and use in evidence; disclosure required for certain purposes. 1. Except as otherwise provided in NRS , a digital or analog signature or digital or analog electronic signature card used to record a signature or digital signature must: (a) Be used to confirm a signature, but not more often than every 10 working days. The 10-day limit is tolled during periods for state, territorial or local elections when signatures are collected pursuant to chapter 645, 645A, 645B or 645C of NRS, and during the period of time the person collecting signatures is authorized to collect signatures pursuant to NRS (b) Have a digital or analog security device on that is not more than 20 years after the date of manufacture of the device, that can be activated only by the s...