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Small Business Owner

 
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ricardog  

When to Start a Home Based Business or Should You

Jul 29, 2008

People always wondering on whither or not they should start a home based business or even start a small business. But are you ready for the major change in life?

We all want good money in our pockets. We all want to have the freedom to do what we want to do in life. But sometimes just a few changes in our world is all that is needed.

Small business or home based business takes a lot of guts to get started. Others start one because they are trying to get out of the career they have chosen for themselves or maybe they are not happy in the work that they are doing at the time.

Lots of thinking is needed to before you take that first step.

I’ve have spoken to several clients about this and I tell them that you need to analyze what they are seeking first and making sure that they are willing to make major changes in there lives. But before they get started in thinking about a home based business or a small business. They need to do some soul searching first.

I ask them. Are you willing to quit your job to make your dream come true? Do they have enough money saved to support the family and or until the business start showing profit? Are they ready to work part-time on a business and stay working currently with the job they are doing? Are you willing to put in 12 hours days, seven days a week? Are you ready to be the boss? Can you think positive all the time? Can you make changes in your life to make it happen? Will you mind not seeing your family and friends for a long period of time? Can you fire someone on the spot? Are you ready to be the banker, manager, janitor, coordinator, seeker, research person, supervisor, etc.?

I know that this is a lot to take in but sometime you need to think things through first. You need to understand that life is going to change drastically and you are going to work harder than you ever had in your life.

I’ve learned that some people are not made for a home based or small business. That’s okay. Working, Monday thru Friday, 8 to 5 is not bad at all. Maybe all you need is a different job. Some people feel that freedom is a small business but in reality all they need to do is change jobs. That is something that you will need to evaluate yourself and your surroundings.

Now the positive to this because of all the sacrifices that you did during your time of building your at home business or small business. It’s rewarding. It’s worth the time effort and energy. You will get the money and funds together to get what you want. But a lot of times, depending on the business, it will take some time. On an average, a small or home-based business will take about a good 2 years before you start seeing money or some type of profit, that up to you on how hard you work on it. The more hours you put into it at first the faster you will see a stable income.

So home based builders or small business seekers. There is a lot to think about and lot you need to do. But you must understand that you have to work hard and think hard to get what you want.

I did a lot of thinking before I adventured to what I wanted and yes I gave up a lot of time with family, friends and possession that I had. But overall I now have the freedom to be my own boss and be stable to live the life I wanted.

Remember to seek out what you want first and then go for it. Do you want a home based business or small business? Or you just are looking for a better career?

 

reply to ricardog
sunshine10  

About sunshine10

Mar 31, 2008

i want mine own gift and accessories store to be open up, it is an start up business, i really need an business loan to get mine small business off the ground, the loan of $100,00.00 for the whole start up cost of the retail store, i need all investors, all business loans advisor, mine credit score is 580, and i can not get an loan for mine small start up business. i need all of your help, support, and get me approved for the loan, no matter what you have to do. i am enclosing mine business plan here for you all to read and see what you can do to help get mine small retail store off the ground, it will sales and profit if i can get people to trust and believe in me. thank you again for all of your help and support.

thank you

linda ann stewart

sparkle unique collection LLC... store owner/manager

 


 

To Whom It May Concern: 

This is Linda Ann Stewart, I am giving you an business plan of mine small retail store, for an loan of $100,000.00 to cover inventory starting cost, paid mine employee, the grand opening of the store, advertising, promoting, marketing, ect..  I enclose mine start up cost projections, also, an three year start up business progress, cash flow projections, balance sheet. I hope everything in this business plan, will give the change to know I am very serious about having mine own store, and work very hard at it, to prove to you that I am very serious about being very successful business owner, you will not be disappointed at all, I am a very honest person, with so much passion of being the best business owner, and I have so much ideas in mine accessories & gift retail store, as you look into mine business plan you will see how serious I am on getting mine small business off the ground.

                                                                                                         

The financial part of mine  business  is extremely important to get the funds I need for mine small business. The  projections I will need to make a budget for mine small retail store, That is why mine business plan should be realistic for your company to grant me the funds for mine small retail store. I  want to be successful in mine realistic projections after I  start mine  business. It is better to give you mine honest point of view  when  I start mine own retail store.                                                                                                          Investors like your company will be very interested in how the money will be used and how the business will be doing.  The financial part of the business retail store is more standardized than other sections.   Here are the  financial forms such as cash flow statements, income projections and balance sheets of mine retail store, it will give you an general idea of what mine projections of mine small business is all about.                                                                                         Financial information for this Operation  Business Start Up Costs          POS system                           $2,400.00 Equipment                            $5,950.00 Counter/display/rack/sign  $18,530.00Fixtures                                     $17,300.00 Inventory /startup supplies  $15,775.00 Merchandising                              2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                                                                                       start up expense                    $20,518.00  Total Loan Requested:          $   78,518.00 Equity Contribution:           $     2,000.00                              Total Project Cost: $   80,518.00Expected sales from the first three years of operations:  Year 1           -          $ 60,500.00Year 2           -          $ 75,800.00Year 3           -          $ 90,890.00 Purpose of Loan  Ms. Linda Ann Stewart seeks a $78,518.00 Loan to establish a Sparkle Unique Corporation, LLC. In addition Ms. Linda Ann Stewart will contribute $2,000.00 equity for a total project cost of $42,518.00, for which Ms. Linda Ann Stewart will renovate his building, install shelving, a small office Other equipment as mentioned earlier, cash counter, install signage and purchase inventory.   Business Start Up Costs          POS system                           $2,400.00 Equipment                               $5,950.00 Counter/display/rack/sign   $18,530.00 Fixtures                                      $17,300.00 Inventory /startup supplies   $15,775.00 Merchandising                              $2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                             Start up expenses                  $20,518.00  I want to thank you for your time your support, and I hope you consider mine business plan the best Investment for your company. This is the best accessories  &  gift retail store you will ever seen, it will make profit, it will be very successful in the next 3 years in business, and will progress until the next 5 to 10 years from now, it is a very unique retail store for all ages, men , women, boy and girl, all holiday’s, for everyone to buy mine products. It is a very unique store, you’ll ever see, please come to mine grand opening and see for you self.  Thank you, Linda Ann Stewart       The SPARKLE UNIQUE CORPORATION, LLC        Business Plan          NOVEMBER 20, 2007     Ms. Linda StewartThe SPARKLE UNIQUE COLLECTIONLLC...P. O BOX 3BANNOCK OHIO 43972Phone: 1 740 312 0750Fax: 1 740 312 0750E-Mail: chipls2002@yahoo.com  Executive Summary Applicant/Company Information  a. Business Name:  SPARKLE UNIQUE COLLCETION LLC...b. Address: P.O. BOX 3 Bannock Ohio 43972c. Phone: (740) 312 0750d. Contact Person: LINDA ANN STEWARTe. Business Structure: LIMITED LIABABILTY CORPORATION (LLC) Banking Information  Bank:  Belmont Savings BankAddress: 3301 Guernsey Street Bellaire, Ohio 43906Phone: (740) 676-1165 Fax:(740) 676-1185 Contact: Marianne DoyleTitle: Marianne Doyle Asst. Vice President  Anticipated Start Date  The Sparkle Unique Corporation, LLC. is prepared to purchase the equipment, fixtures and inventory necessary to begin operations immediately, upon approval of funding.  Estimated time for setup and renovation is 6 - 8 weeks, after the receipt of funds. Business concept  Ms. Linda Ann Stewart recognized a need for a gift and accessories store in the area, as there is no such Store in the Ohio Valley Mall. Ms. Linda Ann Stewart asked residents about the need for a retail store and the community overwhelmingly supported the concept. There are no such stores within an area and the target market will include local residents and the offices around. Ms. Linda Ann Stewart has extensive experience in managing business and has identified four primary categories of product; as  Leather Products           -        Hats, Gloves Costume Jewelry           –           Fashion Jewelry, Earrings, Necklace, etcStationery                      –           Elegant Pens, Themed Notepads etcGifts & Wrapping Supplies     –           Gift Bags, wrapping paper, tissue etc.    The Principal, Ms. Linda Ann Stewart will, upon approval of funding, will hire, The Store Builder, LLC for professional renovation and setup of the store premises, which include purchasing and installation of the necessary equipment, fixtures, displays and purchase & display inventory.  Business Operations  The store will be open 7 days a week, 10:00 a.m.-9:00 p.m. The Sparkle Unique Corporation, LLC. will be a Gift and Accessories Store located at 218 Bandfield Road, Ohio Valley Mall St. Clairsville, Ohio 43950 The store is centrally located inside the Ohio Valley Mall.  The store will be situated in an 3,500 square foot building that will be leased from Ohio Valley Mall. It will be renovated with the appropriate shelving, displays, cash counter etc required for operation. The premises will include a small back office, storage for the merchandise, an employee restroom. Number of employees The Sparkle Unique Corporation, LLC will have two employees, one full-time and one part-time. Ms. Linda Ann Stewart will be the sole owner and primary operator for The Sparkle Unique Corporation, LLC Ms. Linda Ann Stewart has extensive Business Management experience running own business. Ms. Linda Ann Stewart will assist in daily operations of the store, and will handle bookkeeping and financial reporting. Within three years it is anticipated that the company would analyze the viability of hiring a another part-time employee for 4 hours per day however at this time there are no plans to hire any more employees within the first three years of business.  Management team background and experiences Ms. Linda Ann Stewart has extensive Business Management experience that is crucial to the type of business she is opening. Ms. Linda Ann Stewart experience includes owning & running a retail Business. She has worked in various other businesses for years and is experienced with all aspects of daily operations including ordering, receiving, budgeting, merchandising, and daily banking. Ms. Linda Ann Stewart is particularly skilled in public relations, is very organized, is able to work independently, and is reliable, dependable and hardworking. The Store Builder, LLC will also provide extensive training in dealing with customers, stocking, store procedures and routines, taxes and other business related facets.  A resume and 2 letters of reference are attached in the appendices of this document.     Market Niche:  Local Need:  The primary customer base is the residents of the area. There is no other mall for the neighboring communities. The secondary customer base will be the employees of the six major retailers located in the same mall and employees of other stores in the mall. Local residents in the Ohio Valley Mall area will stop by the store look around and start buying items that they never seen before. There is no other such gift and accessories retail store in the area around, local residents from all walks of life visits the only Mall in the area. Our strategy of keeping unique gifts & items is expected to attract everyone who enters the store. We have plans to price the items reasonably, so as to attract people from all walks of life and budgets. Being the only Mall in the area, the walk in traffic is expected to be feasible for our business, without much investment on outside marketing. Proven Market:  Mall locations have always generated more traffic due to the fact, that people come with an intention of shopping and finding different products, varieties and Services under one roof. Most Malls create attractions for people such as Photographs with Santa in Holiday Season which becomes a great attraction for people with kids to visit Malls. Even in rough weather conditions such as snow, very hot summers, and people prefer to go to Malls with intention to find what they are looking for in one place.  Management Experience:  The experience that Ms. Linda Ann Stewart brings to the endeavor is invaluable, she has business management experience, sales experience, understands the product required in this area as she is a resident of this area for little over 35 years. While residing in the neighborhood, Ms. Linda Ann Stewart has established valuable contacts with the other residents which will be utilize in the new business.  Community Support: Ms. Linda Ann Stewart asked the residents and employees working in the Ohio Valley Mall area and the results indicated that there is an overwhelming support for the concept.    Client Base:  The Sparkle Unique Corporation, LLC has a potential target market, as follows:  ·        2,500 local residents within the 20-block radius·        Mall buildings, Ohio valley plaza mall, 3,579+ employees·        Numerous visitors  Client demographics include local residents from all age groups and social economic ranges, consisting primarily of families. A large secondary target group will be teens specially girls and women who are more interested in gift items and accessories.  The client base covers the area as listed on the map below:                                 The overall map of the city shows the position of store for comparison.                                            Factors for Success The business will succeed due to a variety of factors.  • There in no competition in the targeted market in the retail store.• Strong management work ethic; the owner has many years of retail experience   and has excellent references. • Ms. Linda Ann Stewart experience in Business Management. • Ms. Linda Ann Stewart local contacts. • Proven Market. • Local need. • Community support.  Financial information for this Operation  Business Start Up Costs          POS system                           $2,400.00 Equipment                               $5,950.00 Counter/display/rack/sign   $18,530.00 Fixtures                                      $17,300.00 Inventory /startup supplies   $15,775.00 Merchandising                              $2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                                                                                       start up expense                    $20,518.00  Total Loan Requested:          $   78,518.00 Equity Contribution:           $     2,000.00Total Project Cost:           $   80,518.00   Expected sales from the first three years of operations:  Year 1           -          $ 60,500.00Year 2           -          $ 75,800.00Year 3           -          $ 90,890.00  DETAILED BUSINESS PLAN
 Table of Contents  Section A:          Business Plan 1. Business Description2. Business and Industry Market Analysis3. Operational Plan4. Organizational Plan: Management and Staffing5. Marketing Plan & Competition6. Business Feasibility & SWOT Analysis  Section B:           Financial Projections  12 month cash flow projections3 year cash flow projections3 year projected income statement and balance sheet  Section C:           Supporting Documents  Résumé’sLetters of ReferenceRenovations QuoteStore Floor PlanArea MapSt. Clairsville Area Statistics/ Community ProfileCommunity Survey Results
       Business Plan  Business Description  a.                 Type of business:     Retail store of Sparkle Unique Corporation LLCBusiness Structure: Limited Liability Corporation (LLC)Owner:  Ms. Linda Ann Stewart Percentage of Aboriginal ownership: 100 %  b.      Products or services the business will provide:  The Sparkle Unique Corporation, LLC. It will be a full-time Retail store of gifts and accessories items, it will be operating 7 days a week, from 10:00am-9:00 p.m. selling; hats, gloves, pens, notebook, costume jewelry, watches, etc.   The store will offer friendly and personalized service, reasonably priced merchandise, tax exemption for status customers at the Ohio Valley Mall, and at the Ohio Valley Plaza Mall area.  c.            Business logo: Nil   d.            Mission Statement  The Sparkle Unique Corporation, LLC will strive to provide superior customer service and the highest quality gifts and accessories stores at an affordable price, while operating as a profit and growth oriented business.   Business and Industry Market Analysis  Industry Sector: Retail  History of the industry:  Over the last century, Retail stores have provided a product service to local customers in the mall. Typically, retail stores are defined as gift and accessories retail shops that specialize in a limited selection of merchandise, such as hats, costume jewelry and other gift and accessories retail store. Retail stores are largely retail-based business gifts and accessories items located for quick in and out shopping, and can be operated by one business owner. The consumer usually requires the services and products that the gift and accessories retail store.          Current size & demand:  Ms Linda Ann Stewart conducted a survey among retail stores occupants. The question asked was “Would you be in favor and buy at a gift and accessories stores that has unique items?” The response was extremely favorable. This community support is crucial when the primary target customers are occupants & employees. According to statistics there are over 5,389 persons that live in the St. Clairsville Ohio area, and they can shop at a retail store that has items that no store has but Sparkle Unique Corporation, LLC.. The businesses secondary target client group are local residents within a 6 Mile radius, or approximately 5,890 people.  The average household spends per year:  Gift and accessories items           $6,709.00 Hats, Gloves, Jewelry                              $7,899.00Other                                                 $9,599.00  Total $24,288.00 Currently there are 450-950 households within a block radius and approximately 3,239 households in the St. Clairsville Ohio area resulting in a total household client base of 823-389 homes within each block area you walk into the Ohio Valley Mall and Ohio Plaza radius.  According to census bureau the St. Clairsville Ohio residents spend $78..9 million dollars per year on gift and accessories retail store and other retail products. Based upon the number of households and the average spending St. Clairsville Ohio residents spend $14,872.00 per year on grocery store and other food products. Calculating the average spending based upon 235 homes in the local area at 5% of average spending it is estimated that The Sparkle Unique Corporation, LLC could conservatively gross $60,000.00 per year.            The Target Customers  The average customer that the business will target will be from all age groups, with an average household income of approximately $ 56,345 (8000-Statistics). Many households have both parents in the work force, 63.6% of women with children younger than six worked outside the home.  Based upon an average pooling of clients it is estimated that Sparkle Unique Corporation, LLC client breakdown based upon per 1500 clients will be as follows:           • 900 local residents within a block radius • 600 employees of Ohio Valley Mall and Ohio Valley Plaza           Potential market growth:  The Sparkle Unique Corporation, LLC anticipates growth to be based upon two primary client groups. Local business will be generated by the fact that Ohio Valley Mall is the only Mall in the area, which is a great reason for attraction of local residents.  The employees of retail stores in the Ohio Valley Mall, and the Plaza Mall, will be the secondary market. It is anticipated that the market penetration will increase over the next five years from 5% of local residents spending to 10%, and the client market area will increase with a block radius.  Direct and Indirect Competition:  There is no competition of this sort in the whole Mall area Operational Plan  Location & Facilities:  The Sparkle Unique Corporation, LLC will be located at 218 Bandfield Road Ohio Valley Mall in St. Clairsville. The service area will be the 1-block radius surrounding the store.  The Sparkle Unique Corporation, LLC will provide service to area shown below:  The store will be located in a building that will be renovated and equipped with the necessary furnishings, shelving and plumbing. The approximate square footage of the unit is 3,500 square feet. The unit will have 1 room, consisting of a back office, restroom, storage area and the retail store area. A floor plan is attached in the appendices of this document.  The Property Manager have provided their full support and verbally agreed to support this venture.  Description of facility requirements:  Equipment, Fixtures, Display, Counters & Inventory Costs POS System to include:                                                       2,400.00
  • CPU, Monitor, Keyboard, and Mouse
  • Receipt Printer
  • Barcode Scanner     
  • Barcode Printer
  • Cash Drawer
          Equipment                                                                                        5,950.00 
  • 4 Camera Security System with Recorder and Monitor
  • Back Office Computer
  • Drop Safe under counter
  • Multi Function Machine (Printer/copier/Fax)
  • Wireless Router
  • Wireless Network Cards (For Computers)
  • Surge Protector – 3
 Counters, Displays, Racks & Signs                                             18,530.00         
  • Front & Back Sales counter
  • Display / Shelves (Gondolas) for Merchandise
  • Slate Wall / Display behind Back Counter
  • Slate Wall Display with hooks, pegs etc
  • Storage for Inventory Items in back store
  • Glass Display Cases (for crystal /glass items)
  • Gondola Merhcandiser
  • Octagon Glass Tower
  • Cap Tower
  • Cube Unit
  • Oval Glass Unit
  • Glass Unit Flat Top
  • Bullet Top Glass Unit
  • Three Panel Wood Display
  • Rectangular 3 Tier Display 66” X 42” X 39”
  • Wire Displays                                           
  • Slate Wall Displays, hooks, pegs, shelfs                             
  • Storage Racks                                                                    
  • Back Office Table
  • Back Office Revolving Chair
  • Back Office File cabinet
  • Pre-printed Inside Signs & decoration
 Fixtures                                                                                               17300.00·        Installation of Front & Back Counter for Sales Staff·        Installation of Slate Wall / Display·        Installation of Display / Racks for Inventory (merchandise)·        Installation of Storage for Inventory Items in back store·        Installation of Signs (inside store display signage)·        Complete Paint inside·        Carpet ·        Installation / replacement of Light Panels, sockets etc·        Replacement of dirty / damaged ceiling tiles·        No plumbing work planned – if required cost can be added·        No Electrical Wiring or Installation planned – if required cost can be added·        No Construction / partition work planned - if required cost can be added                                                 Inventory & Startup Supplies                                        15,775.00 ·        In store Inventory                                                            15,000.00·        Startup Supplies for Credit Card Machine, Receipt &       Barcode Printers                                                    100.00·        Start-up In-House Supplies (Printer paper, Cleanup Supplies,   250.00Extension wires, box cutter, tapes & other supplies etc)·        Start-up Supplies for In-House use (i.e. phones, office    425.00Supplies including Fax Paper, File Covers, Filling System, Labels, Stationery etc.)          Merchandising                                                                        2,600.00 ·        Labor to Setup Display stands, back office & Computerization ofInventory.  Software:                                                                                1,098.00                                                              ·                                Quickbooks POS Software               849.00·                                Quickbooks Accounting software          249.00·                                Other POS Software                         150.00·                                No Software needed for Cash Register Signage:      
  •            Outside Signage can be added                         NIL
 Sub-Total:                                                                                $63,653.00Consultancy, Coordination, Administration & Training                     6,365.00Grand Total                                                                             $70,018.00                                   Operation Process:  Daily retail operations will consist of the following:  
  •  
    • Open store, disarm alarm
    • Cash count, turn on necessary machinery, debit machine, etc.
    • Cleaning of Store
    • Re-stocking
    • Do books from previous day, check inventory, order as necessary
    • Handle sales
    • Close out cash and balance
    • Close store, arm alarm
           Action Plan:  Business will commence operations based on the following work plan:  (i)                 Secure Funding. (ii)              Renovate building. (iii)          Installation of Fixtures (iii)            Installation of equipment necessary for business operations(iv)             Stocking merchandise for retail sales (v)                Marketing/ Promotion(vi)             Hand deliver promotional flyers to prospective customers (vii)           Fax grand opening specials, flyers to local offices, businesses               Organizational Plan: Management and Staffing Management and Personnel:  Ms. Linda Ann Stewart will be sole owner and primary operator of the business. She will be responsible all aspects of operations. Ms. Linda Ann Stewart experience includes opening up the store, closing the store, make sure every day operations gets done, make the customers feel welcome, make it a friendly place for the customers. Ms Linda Ann Stewart is particularly skilled in public relations, is very organized, is able to work independently, and is reliable, dependable and hardworking. A resume and 2 letters of reference are attached in the appendices of this document.   The Co- Workers of Ms. Linda Ann Stewart will assist in daily operations of the store as needed. Ms. Linda Ann Stewart will also look after bookkeeping and financial reporting.  The Marketing Plan and Competition  Local Need:  The primary customer base is the residents of the area. There is no other mall for the neighboring communities. The secondary customer base will be the employees of the six major retailers located in the same mall and employees of other stores in the mall. Local residents in the Ohio Valley Mall area will stop by the store look around and start buying items that they never seen before. There is no other such gift and accessories retail store in the area around, local residents from all walks of life visits the only Mall in the area. Our strategy of keeping unique gifts & items is expected to attract everyone who enters the store. We have plans to price the items reasonably, so as to attract people from all walks of life and budgets. Being the only Mall in the area, the walk in traffic is expected to be feasible for our business, without much investment on outside marketing. Proven Market:  Mall locations have always generated more traffic due to the fact, that people come with an intention of shopping and finding different products, varieties and Services under one roof. Most Malls create attractions for people such as Photographs with Santa in Holiday Season which becomes a great attraction for people with kids to visit Malls. Even in rough weather conditions such as snow, very hot summers, and people prefer to go to Malls with intention to find what they are looking for in one place.  Management Experience:  The experience that Ms. Linda Ann Stewart brings to the endeavor is invaluable, she has business management experience, sales experience, understands the product required in this area as she is a resident of this area for little over 35 years. While residing in the neighborhood, Ms. Linda Ann Stewart has established valuable contacts with the other residents which will be utilize in the new business.  Community Support: Ms. Linda Ann Stewart asked the residents and employees working in the Ohio Valley Mall area and the results indicated that there is an overwhelming support for the concept.    Client Base:  The Sparkle Unique Corporation, LLC has a potential target market, as follows:  ·        2,500 local residents within the 20-block radius·        Mall buildings, Ohio valley plaza mall, 3,579+ employees·        Numerous visitors  Client demographics include local residents from all age groups and social economic ranges, consisting primarily of families. A large secondary target group will be teens specially girls and women who are more interested in gift items and accessories. The Target Customers  The average customer that the business will target will be from all age groups, with an average household income of approximately $56,893.00 Many households have both parents in the work force, 75.9% of women with children younger than six worked outside the home.  Based upon an average pooling of clients it is estimated that Sparkle Unique Corporation, LLC  client breakdown based upon per 2,600 clients will be as follows:  •             900 local residents within the 3 block away •             600 employees in the Ohio Valley Mall and Plaza Mall  Ms. Linda Ann Stewart recently conducted as survey and asked: “Would You Support a Small Gift and Accessories Retail Store on the Reserve?” The results were unanimously in favor of such a business endeavor. The results are attached in the appendices of this document.  Marketing Strategy  The Sparkle Unique Corporation, LLC will attract local clients and local business loyalty with competitive pricing, retail location, and friendly service. In addition, the Retail Store will offer  many different items for the customers to buy and look at.  Ms. Linda Ann Stewart may join an industry association such retail  Association or Retail Merchants Association (for a nominal annual fee), who provides the business with cost-saving services (such as low merchant rates on credit cards) and practical advice through newsletters and workshops.   Local Advertising:  Flyer distribution:  Flyers will be distributed in the local area on a monthly basis advertising specials, draws and promotions.  Property Sign Board:  Management of the Mall will display the store name on the Property Sign Board.  Pricing Strategy and Target Sales Pricing will be set at 30%-100% mark-up, dependant upon the following categories:Hats, Gloves, ScarfsCostume JewelryPens, Pencils, Specialty note book No credit will be offered to customers. Sales will be cash, Check or Credit Card.  Purpose of Loan  Ms. Linda Ann Stewart seeks a $78,518.00 Loan to establish a Sparkle Unique Corporation, LLC. In addition Ms. Linda Ann Stewart will contribute $2,000.00 equity for a total project cost of $42,518.00, for which Ms. Linda Ann Stewart will renovate his building, install shelving, a small office Other equipment as mentioned earlier, cash counter, install signage and purchase inventory.   Business Start Up Costs          POS system                           $2,400.00 Equipment                               $5,950.00 Counter/display/rack/sign   $18,530.00 Fixtures                                      $17,300.00 Inventory /startup supplies   $15,775.00 Merchandising                              $2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                             Start up expenses                  $20,518.00 Strengths:  The advantage that The Sparkle Unique Corporation, LLC.. has is that there is no competition within a block radius. The Payless Shoes is located about a block away. .  In addition, Ms. Linda Ann Stewart this strong work ethic and her ability to deal with the public in a friendly and courteous manner.  Weaknesses:  One weakness is the New Business. Due to the fact that this is a new business, Ms. Linda Ann Stewart has to work hard to develop Clientele. Opportunities:  There is the opportunity to expand the product line(s) that the store carries. The Sparkle Unique Corporation, LLC anticipates, that there is also a great potential that the business may be able to employ local people part time.   Other services may be considered are:  •             Sporting Good Store•             Outlet Clothing Store•             Teen’s Clothing Store •            Trading Post Center Store  Threats:  The major threat is the possibility that another Retail Store may open in the vicinity. Ms. Linda Ann Stewart will establish a loyal customer base to retain transfer of customers in any likelihood of any other similar business opening up in the area.  Risk Assessment  Ms. Linda Ann Stewart will maintain one of her jobs to ensure financial obligations are met. She is considering utilizing services of personnel from her present retail experience.  Viability and Long Range Plans: The Sparkle Unique Corporation, LLC will succeed due to a variety of factors.  Local Need: The customers that the store will target are the local residents. The area has no other such Sparkle Unique Corporation, LLC a few  block radius, with local residents retail stores in the Ohio Valley Mall, and the Ohio Valley Plaza mall  Demographics: BELMONT COUNTY PERSONS BY AGE 2000Under 5 years                              3,5315 to 9 years                            4,12310 to 14 years                         4,64715 to 19 years                         4,62520 to 24 years                            3,77625 to 34 years                          8,38235 to 44 years                              10,89045 to 54 years                                 10,528 55 to 59 years                              3,588 60 to 64 years                         3,378 LARGESTCOMMUNITIES  2000     Richland Township                          8,514                  Martins Ferry City                   7,226                      St. Clairsville City                     5,057                     Bellaire City                                     4,892                                                                                                                HOUSING UNITS 2000 Total Units                                    31,236Owner Occupied                                21,229Renter Occupied                      7,080 INCOME 2000Median Household                  $30,62765 to 74 years                          6,33275 to 84 years                              4,92385 years and over                       1,503 NUMBER OF HOUSEHOLDSTotal                                         28,309 PERSONS BY RACE 2000Persons per Household                   2.37White                                    66,698African American                       2,553Native American                       97Asian & Pacific Islands                     226Hispanic                                 109 NUMBER OF FAMILIES               2000Total                                                     19,263Married Couple                               15,038Female Household, No husband                3,165         EDUCATION  2000                               Public Schools                         23Students                                 9,413Teachers                                 665 Non-Public Schools                          11  Students                                 1,504 POPULATION1960                                             83,8641970                                         80,9171980                                         82,569      1990                                        71,074   2000                                         70,226                                  RECREATION FACILITIES HEALTHCARE 2000 State Parks                            1Hospitals                                   4                        Beds                                         795     Barkcamp                                           473         Acreage                                 1,121.91Physicians                             81                                            Extended Care Homes            11 CLIMATE  2000                                Avg. Annual Temperature                 53.6˚FAvg. Annual Precipitation                  42.96                                                                 
Management Experience:  The experience that Ms. Linda Ann Stewart brings to the endeavor is invaluable, she has business management experience, sales experience, understands the product required in this area as she is a resident of this area for little over 35 years. While residing in the neighborhood, Ms. Linda Ann Stewart has established valuable contacts with the other residents which will be utilize in the new business.  Community Support: Ms. Linda Ann Stewart asked the residents and employees working in the Ohio Valley Mall area and the results indicated that there is an overwhelming support for the concept. History St. Clairsville, OHSt. Clairsville is the county seat of Belmont County, Ohio. The town was established in 1801. Residents named St. Clairsville after Governor Arthur St. Clair of the Northwest Territory.St. Clairsville grew very slowly during the nineteenth century. In 1840, only 829 people lived in the community, although the town did boast six churches, twelve stores, and at least two newspapers. Forty years later, 1,128 people resided in St. Clairsville. In 2000, St. Clairsville contained just over five thousand residents. It was the second largest community in Belmont County. Between 1995 and 2000 the town's population declined by two percent.                                      Resume. Linda Ann StewartP.O. BOX 3Bannock , Ohio 439721 740 312 0750Chipls2002@yahoo.com Objective:     Sales Management position qualified my sales experience and leadership Skills. Qualification:  Extensive experience in management including hiring and training new Employees to become better employers and leaders. Strong customer relations and human resources skills.  Education:          Belmont Technical College St. Clairsville, Ohio                  2003-2005 Still attending college, done by May 2006.                           Associate Degree in Belmont Technical CollegeBachelor Degree in Franklin Community College in Columbus, Ohio September 2006.                  Grade point average is 3.0. Experience:        K mart St. Clairsville, Ohio  1999-Present                   Sales Clerk with cash responsibility                  Customer Service                  Merchandising, Display, Stocking, Sizing, Clearances, Decoration Wendy’s Management group, 1993-1997          Management training for 8 weeks. Shift Management.Closing Manager. Wendy’s Restaurant Bridgeport, Ohio1990-1993   Waitress                    Food Preparation                    Store preparation for opening and closing. Skills and Interests:                           Good Computer skills, word processor.                           Volleyball, and bowling, and walking                           Attended Church, recreation.                                    Red Cross Blood Drive Committee, at Belmont Technical References:        References Available on request.                                          To Whom It May Concern My name is Pam Brown; I am the Human Resources Manager at k mart at the Ohio Valley Mall in St. Clairsville Ohio. I would like to commend Linda Ann Stewart on her performance at K mart. Linda has worked for us since March 26, 1999. Linda Has Maintain an excellent attendance record and is on of our most loyal and value associates. She is very flexible to work in any area of the store and always willing to help out whatever needed.   Linda is very dedicated individual. Any project she may take on, I am very confident she would succeed.             Pam Brown                                                       HR MgrKmart Ohio Valley Mall In St. Clairsville OhioPhone number (740) 695 –5464Fax number (740) 695-8869       
To Whom It May Concern  This is John Spano manager for the shoe department. I have known Linda Ann Stewart, for almost 13 years now. She is a very determine person. She works very hard in whatever comes alone the way.  I have known her since she work in Wendy’s back in September 24, 1993, a very hard worker and a very dependable person whenever you need her to come in, even the days she is off, willing to come in no matter what. I recommend her to do a project and be very successful at it; John Spano 48505 Stone house Road St. Clairsville Ohio 43950            John Spano     Footwear ManagerPhone number (740) 659 -2671
          To Whom It May Concern I want you to know that Linda Ann Stewart is one of the most ambitions people I know? She is a great women I know her since she worked for Wendy’s back in September 24, 1993. Linda had worked in the Ohio valley Mall in St. Clairsville Ohio over 13 years. She always been very friendly and counted for, and you can always make sure she will succeed in what ever comes her way. I consider and had the privilege of knowing her that she will be very useful in whatever project you giving her.             Sincerely yours    Shelly Wiggins
              To Whom It May Concern  I Rick Roberts, Part Owner of Steve’s Sports Cards, in the Ohio Valley Mall in St. Clairsville Ohio have know Linda Ann Stewart for over 6 years and in that time that I have know her she has held a job for almost 9 years in K mart at the Ohio Valley Mall in St. Clairsville Ohio, while going to school. She has a lot of ambition, drive, and would be an asset to any company.  For further information feel free to call me at 1 740 517 3487 ask for Rick              Sincerely yours     Rick RobertsPart OwnerSteve’s Sports Cards      
  To Whom It May Concern  This is Marianne Doyle assistant Vice President of Belmont Saving bank, Linda is known to us as been a very good customer to our bank, she is a very honest, hard working person I known. She will be a good asset to any bank to get a pre approved for a loan, she keeps her payment on time, and she can succeed at any company.  I recommend that she will be very successful in any kind of business. I have known her over 5 years as a very good customer.               Sincerely yours   Belmont Saving BankMarianne DoyleAssistant Vice President                               November  7, 2007  To Whom It May Concern: This letter is mine personal recommendation for Linda Stewart. I have been Linda’s immediate supervisor for several years. Linda started her employ with KMART in March of 1999. I have found Linda to be a capable associate, consistently pleasant, and willing to tackle all assignments with a determined effort and to complete her work in a satisfactory manner. She always has a smile.  Besides being a joy to work with, Linda has always been willing worker and a dedicated to making sure that her work is completed. She has successfully complete our register training program and is capable of running with acceptable competence. Linda works for us in the Ladies Department, Men’s, Boy’s, Girls and Infants Departments, as a customer service replenishment associate. She is also cross train to work in the Jewelry Department as a back up for coverage. during her tenure, we have never had an issue with her attendance or her willingness to report to work when it was necessary for us to request additional work hours. Linda has a determined spirit and will succeed in whatever path she chooses to pursue.  Thomas J. Allen  General ManagerK mart store # 3325St. Clairsville Ohio 439501 740 695 5464 

 

 

reply to sunshine10
chelseyb  

About chelseyb

Jan 11, 2008

Hello everyone. I don't have what you would call a sob story, like some, however I am a young business owner and any donations to help me succeed would be greatly appreciated! I started my mortgage company when I was 21. I have had it now for almost 4 years. I've done pretty well, but my bills now are pretty high and I don't have much money to market myself and my company. I would be extremely greatful if anyone would like to help out a fellow business owner and I'm willing to take advice from successful loan officers. I am also looking to network with bankers, realtors, financial advisors so we can hopefully all make each other some money. Thanks for reading my blog. Chelsey

reply to chelseyb
KristiS  

I need help to reorganize my financial status.

Jul 9, 2007

Hi,

My name is Kristi and I need to make a fresh financial start.  Last year my Grandmother lived with my husband and me for the last eight months of her life.  She had Alzheimer's and we were her care givers.  During this time, I lost touch with things and let some really important things slip my mind.  We own a small business in the town that we live in and when she moved in with us I started working from home.  I made some errors financially that has now left us in a real bind that I can not seem to get us out of.  My husband and I work hard and I am trying desperately to reorganize so we can begin our life again without the huge strain of financial distress that I have caused my family by letting myself get out of touch with reality while my Grandmother was with us.  Any help would be appreciated and once I get back on my feet, I vow to continue visiting this site helping others in my position.  I am in need of $8700.00 to catch up and get my head above the water so I can get back on track.  If financial help is not available then pray will be much appreciated.

Thank you for the time you took to read this.  God says that I can do all things through Christ which strengthens me.  I feel that he lead me to this site.  God Bless you all.

Kristi

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KristiS  

KristiS

Jul 9, 2007

I am 36 years old and have found myself in quite a mess.  My husband and I own and operate a small business in the town that we live in.  We have done well, but due to some errors that I have made while being away from the office caring for my Grandmother with Alzheimer's  we are in need of help to get our finances reorganized. 

We are believers in God and know that he will get us through this time in our life.  I feel he lead me to this site for help and where I one day can help someone in the same situation I am in now.  If you are unable to help financially a prayer would be much appreciated.

Thank you for taking the time to read this and may God Bless you and your family.

reply to KristiS
Miracles Happen!  

Miracles Happen!

Apr 16, 2007

Hello Wonderful, Compassionate World!  Here is my story: 

Merciful Compassion
'Krapalu'
Showing or giving mercy.

I am a single mother of an amazing little boy, who is the love of my life.  I worked my fingers to the bone in a great career, putting my blood, sweat and tears into a company for over 14 years.  It was the opportunity of a lifetime, and I was able to learn and grow with this company, starting out as a bookkeeper, and moving into a senior executive level.  I purchased our first home on my own, and it was our dream home.

My son's biological father was hardly ever involved in his life, never paid child support, and never helped with my child's insurance or any of the medical bills.  The father only came around to harass me when it was convenient for him.  After several volatile and abusive situations with this man, I finally decided that I needed to take legal action to rid myself of this man before my son witnessed my murder by him.

If anyone is familiar with our judicial system, it is not about right or wrong, or even the truth for that matter.  I hired an attorney to set up a Protective Order and Supervised Visits for my son because his father had already threatened to kill me, kidnap my son, and take him to Mexico where he owns property.   I took the high road during the entire litigation, always believing that the truth prevails.  Boy, was I in for a rude awakening.  The biological father put up the most vicious, vindictive fight against me, concocting the most malicious lies about me and tried to take my son from me.  Unfortunately, he was able to con an attorney to work Pro Bono for him, and I was in for the fight of my life. 

I do not come from a wealthy family at all, and worked very hard for everything that I had.  Well, the opposing counsel pulled many unethical and illegal manuevers during our litigation, and got my son's father out of over $20,000 in back child support, his portion of unpaid medical bills, and forced me to rack up over $200,000 in legal fees.  After four attorneys, selling my beloved home, losing everything I had worked so hard for, and going through my parents retirement funds, I kept custody of my son, but at a very high price.  On top of getting the father out of his financial responsibilities - the opposing counsel also got the child support payments reduced to nothing.  Please note:  the biological father is a trained nurse - but waits tables so he can hide his income and pay the lowest child support possible.

I had to sell my dream home to help pay legal fees in the fight for my child - but the worst part is that my parents had to help me with the rest of the legal fees and went through their entire life savings.  They are both retired and in their 60's and 70's.  They had been very frugal and spent their entire lives saving to have a decent retirement. 

Because of this litigation, my credit has been temporarily ruined after years of a pretty much perfect credit score, I owe my parents over $200,000, and have to start my life completely over from rock bottom.  My biggest heartbreak is that my parents are not even able to enjoy their golden years because of one very bad attorney, and my choice to leave an extremely abusive man.

I have been trying so hard to land a job, but with no luck.  I have asked friends and relatives for help, but no luck there either.

So here I am, On AIDPAGE.  I am completely broke, in serious debt, and desperately need help from any Angels out there.  I am not asking for a handout - I just truly need some help getting back on my feet to be self sufficient again.  My parents need my help.  My son needs me to be strong for him. 

I cherish helping and giving to the homeless.  I am very saddened that I am not in a position right now to be able to give back to those in need, but it is my top priority once I get back on my feet again.  Money and material possessions are worthless unless we continuously give back to those in need.

Thank you for reading my story.  If there is anyway that some Angel out there could see it in their heart to help me, my son, and my parents, the graciousness and gratefulness would be insurmountable. 

I would reciprocate in any way that I could - by providing my business services, running errands, doing odds and ends as a personal assistant - because I absolutely do not expect someone to help me without something in return.  I am a giver, not a taker - making this situation in my life right now very difficult for me.

If you see it in your heart to help our situation, I would be so grateful.  Please, please help us.  I have a PayPal account if anyone would be so kind as to help us.  God Bless All of You!

Thank you again for taking the time to read this!
'Aum' or 'Om'
Literally means "yes, verily." Aum, often spelled Om, is the "breath of life". The most sacred mantra of Hinduism is placed at the beginnings of most sacred writings. Aum represents the Divine and is explained in the Upanishads as standing for the whole world and its parts, including past, present and future. It is from this primal vibration that all manifestation issues forth. Aum's three letters represent the three worlds and the powers of creation, pr

 

 

 

 

 

 

 

 

 

 

 

 

reply to Miracles Happen!
Drew K's  

Comment: If anyone or organization...

Mar 8, 2007
Note: This aidpage was started as a comment on "Home page of Drew K's"

If anyone or organization know how to help me get funding or a grant for my business please help. Thank You!
reply to Drew K's
Drew K's  

Drew K's striving to accomplish goals !

Mar 8, 2007

Drew K's is a small business setting and striving to meet Humongous goals. Long term goals and short term goals. Goals from bringing peace to troubled children to supplying needs of rural and distant citizens in need of help. If anyone can assist Drew K's with or how to get funding to promote our business please help .

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brandy2000  

brandy2000

Feb 4, 2007
A family in need..
reply to brandy2000
Lola  

Lola

Jan 21, 2007

single female, moneypit (home) owner, small business owner, no resources (family or men to do labor), I have poor credit due to events that have occurred, no one to turn to for free advise...I was involved in a hit-and-run drunk driving accent which totaled my car so I have one to blame or seek compensation against...I LOVE art and colors, have 2 kitties....I would love a break for ONCE in my life.... I have stuff of value just cannot liquidate it (without losing my butt)...our economy is terrible!...I am just TRYING to make it in the world

 

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chris  

Native American Business Loans

Sep 28, 2005

I'm looking for a small business loan to help start a designer furnature business,using metal ,glass and concrete ,which I have already been working with in the commercial flooring business.

reply to chris