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Easier ECB rules may fire up industry

A relaxation in the restrictions on raising funds abroad is likely as the government is increasingly favouring the view that depriving industry of liquidity is not the way to fight inflation.

The restrictions on end use, the quantum of fund allowed to be raised and the interest rate would be specifically reviewed in the current economic context, it is learned.

Last August, India capped the foreign debt an Indian company could bring home at $20 million a year and made RBI approval mandatory. However, a company could still raise a loan up to $500 million abroad under the automatic route, without taking specific RBI permission. Bringing the borrowed capital home increased domestic liquidity and fuelled inflation. Hence the policy prescription to spend the bulk of foreign borrowing on foreign expenditure, such as on imports, foreign acquisitions or repayment of past external loans. more

Richmond man dies in wreck while fleeing police

Cunningham says 25-year-old Jamaal R. Tolliver of Richmond was killed after his car hit a utility pole during the chase, which lasted less than two minutes. Tolliver was pronounced dead at the scene.

The officer says Tolliver wasn't wearing a seat belt.

Cunningham says an unidentified trooper attempted to stop the car after he saw it swerve in and out of the right lane of Interstate 95. The car left the interstate and the trooper pursued it to Hull Street, where it hit the pole.

The accident is being investigated.

Information from: Richmond Times-Dispatch, http://www.timesdispatch.com

Copyright 2008 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. more

Good choices make life better

Graduation speakers, books for the graduate, and greeting cards seem to focus on those qualities that are most often associated with happiness and success. I think it is equally enlightening to review those qualities that make one miserable:

Disrespect the law.

"Laws are made to be broken" is a sophomoric challenge that may sound daring but can also be deadly. The no-one-can-tell-me-what-to-do attitude is characteristic of a 2-year old and is not an appropriate adult life-style choice.

Law breakers drink and drive, don't wear seat belts, engage in financial scams, cheat and spend more time looking for loopholes in the law than it would take to simply be compliant. Lawbreakers often harm others and ultimately harm themselves.

Expect others to share their good fortune with you. more

Kenya: Nairobi Hotels Record More Business in March, April

However, the rise has come about due to the increase in business travel.

Panari Hotel, on Mombasa Road recorded 80 per cent, as it reaped from the airline industry.

Loyal clients

Following the political violence that rocked the country, a number of airlines chose to move their staff to Panari Hotel due to its proximity to the Jomo Kenyatta International Airport.

Holiday Inn, which has 171 rooms, continued to record high occupancy rates of over 80 per cent.

Paul Norman, Holiday Inn's general manager, said repeat business from loyal clients, mainly diplomats and businessmen, improved their occupancy.

"Foreign tourists are not back in big numbers, but business travel is currently supporting us," he said.

Players in the sector said the occupancy was mainly driven by business and conference tourism which are slowly regaining strength. more

Top Five Tips To Manage Credit As A Small Business Owner

(NAPSI)-Fifty percent of surveyed small business owners stated that �economic uncertainty� is one of the biggest challenges faced in the growth and survival of their business, according to the National Small Business Association�s 2008 Survey of Small and Mid-Size Businesses. Rest assured, there are resources to help small businesses more easily navigate economic uncertainties in today�s business climate.

Every day, small business owners strive to build a thriving business environment, while continuing to grow. Financial health is an important part of reaching this goal. Companies such as Chase Card Services are in the small business owner�s corner, offering financial tools and support designed specifically for the small business owner. For example, the Chase Business Resource Center, an online resource, offers advice, news and personalized solutions essential to business owners. more

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Business Plan Summary And Goals Sample Questions asked

Resolved Question: hey i need help my business plan :: give your opinion or try to help me?

Executive Summary: 1. Applicant/Company Information -Name: Design coffer shop -Address:132 Cedar Grove Rd, Ruckersville, CA 90324 -Phone: (909) 834-3434 Fax: 904.326.1039 -Contact Person: Evelyn Reyes -Business Structure: Sole Proprietorship - Banking Information: Bank: Wells Fargo Bank Address: 3035 Van Buren Blvd Riverside, CA 92503 Phone: (951) 351-3402 Contact: Erica Smith, Financial Services Manager -Anticipated Start Date: Design coffee shop it well began operations in November 2009, and we going to prepare the plans to undertake a small expansion. As soon as possible after the scoping plan approval. Brief outline of your business concept: Design coffee shop is company involved more greatest the originally coffee shop. It providing graphic design and marketing communication services. it not provide big business . It just likes a small business Every day, millions of Americans wanted to sit down and enjoy the smell cup of coffee and lay back & see the background artwork from graphic design artist. "A person had dreamed to spend more than 50 cents for a cup of coffee. A few years, now they glad to pay $1 to $4 for their cappuccino, mocha latte or vanilla ice blended drink." The specialty-coffee business is growing at a healthy pace. The completive the Starbucks, The Coffee Bean, Pet’s, Dietrich’s and other major chains serve average quality drinks in establishments that have the same generic design appearance. Indeed, Starbucks and The Coffee Bean are often referred to as "fast food" coffeehouses due to their "cookie cutter" design. Now that Americans' coffee preferences have broadened and matured, many are asking for more from their design coffee shop. We offer high-quality products in an upscale environment. Furthermore, our high-profile location in San Bernardino provides a mixed customer base that will maintain high levels of business in every season, at all times of the day, every day of the week. Vision and Mission Statement The design coffee shop will become the more like small museum. We will serve a perfect product at a very reasonable price. We will also be a meeting place for graphic design artists and a place for them to show off their work. We will create an atmosphere conducive to creative expression and promote the creative process. Our primary goals over the next year are: 1. Secure financing for start-up of at least $10,000 for space and equipment. 2. Renovate our space in Old Town. 3. Acquire equipment necessary for business, i.e. coffee pot, cappuccino machines, blenders, etc. 4. Make agreement with coffee distributors, and bakery vendors. 5. Create a cozy, artist friendly environment (i.e. choice of colors, choice of music, decor) 6. Open for business and become the foremost coffeehouse in the area. MARKET OPPORTUNITY Marketing will play a vital role in the success of small company is java net because they will put some our advertising, I not want exert gate too much our company. it something sample for customer to understand. It only one or two location be. The design coffee shop is our target market is mostly student. Because it when come student they wanted to sit back and relax. Design coffee shop going to be locate one of San Bernardino. Ownership The Design coffee shop is a general partnership between Lisa and Sandy Mason. Each partner is equally involved in operation and management of the shop, each to her own abilities. Location and Facilities The Design coffee shop is located in the Old Town section of San Bernardino, California. We currently own the building we will occupy, though painting and renovation are sorely needed. Products and Services Description of Products and Services The Design coffee shop will offer high quality coffee, tea, hot coca, and cappuccino, at a very reasonable price. We will also sell homemade cookies, brownies, and doughnuts, also reasonably priced. Key Features of the Products and Services All drinks will be made with filtered water and the highest quality ingredients we can get. Frozen drinks will have caramel or chocolate syrup drizzled in the glass and over the drink. Cappuccino and hot coca will have whipped cream toppings as well as the option for candy sprinkles. Cookies will have the option of a chocolate or caramel dip and sprinkles. We will offer designer flavored cream and five kinds of sweetener, i.e. sugar, honey, Equal, Splenda, and Sweet-n-Low. Cream and sweetener is at no extra charge. Production of Products and Services We will use only filtered water and will brew our coffee in commercial coffeepots that will be thoroughly cleaned between uses. We will bake cookies and brownies in our own on-site oven from proven recipes, daily. Future Products and Services Within the next three to five years we expect to branch out into catering and offer homemade pies, whole or by the slice. Comparative Advantages in Production Our low overhead and cheaper pricing will be the key to our success. Industry Overview Market Research There are other businesses that serve only coffee in our Old Town. Size of the Industry Nationally, the coffee shop industry is quite large, but in somewhere, there are more. Key Industry Trends This industry is booming at the present time, there is a trend toward small cozy places and away from the large generic chain. Industry Outlook The coffee business does not show signs of slowing down. With new innovations such as flavorings and additives, it should continue for some time. Marketing Strategy Target Markets Our target market is a artist and writers who need a nice quite cozy place to think and do their work. Description of Key Competitors Of the three coffee shops in the area, one is a large chain with a very expensive product, one is really a home-style restaurant, the last one, and our biggest competitor is an antique store with a "tea room". Analysis of Competitive Position Our pricing strategy and comfortable atmosphere will be the key to our success. None of the other shops in the area can offer this. Pricing Strategy We will offer three sizes of drinks, small $1.00, medium $1.50 and large $2.00. Our cookies and brownies will sell for $1.00 each. Promotion Strategy We intend to advertise in the local newspapers and offer a "frequent drinkers club" discount to our best customers. We will also send out ads via direct mail, which will include cents off coupons. Management and Staffing Organizational Structure Our organizational structure will be a simple pyramid style with the owners putting in as much work as the employees. Management Team April and Arlene will share management and supervisory responsibilities equally. Arlene for the morning shift. April for the afternoon shift. Staffing We will hire two busboys and two waitresses; these will be recruited from the local high school. Labor Market Issues In this area there are many high school students looking for work, part time or full time, we want to fill that need. Market Risks The main risk is monetary. The area may not be ready for a place like ours and we may not do a great business. Implementation Plan Implementation Activities and Dates 1. Begin building renovation 12/08 2. Complete renovation 2/15/09 3. Begin preliminary advertising 2/15/09 4. Purchase and setup equipment 2/15/09 5. Open for business 5/1/09 Financial Plan Balance Sheet Current Assets: Building $150,000 9 computer $10,800 Furnishings $5,000 Equipment $5,000 Cash Arlene $5,000 April $4,500 Accounts Receivable None Inventory Coffee $1,000 Tea $500 Other Assets Cups $3,000 Total Current Assets $182,800 Liabilities: Accounts Payable (monthly) Water $200 Phone $150 Electric $500 Donut Vendor $1,000 Warehouse Club $1,000 Coffee Distributor $1,000 Wages $5,000 Advertising $1,000 Taxes Payable Property Taxes $500 Employee Taxes $2,000 Operating Loans Payable Startup Loan $500 HP Design jet Z2100 Photo Printer series- models $ 97 Total Liabilities $12,947 on going per month Projected Income March 05 Coffee $6,000 Tea $2,000 Cookies $1,500 Donuts $2,500 Misc. $4,000 Total Income for March $16,000 Total Projected Net Profit (Cost/Benefit) $3,150 for March This would assume 20 pots of coffee sold a day, plus an assortment of other items. This also assumes the market will not increase or decrease due to weather or economics. This would be an average month.my major is graphic design i don't know how making business plan] i have the layout just email me evelynreyes12@yahoo.com you want see itthis for my class project more

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