Poverty and Substance Abuse
People who suffer from inequalities due to economic and social standing are those who are considered to be in poverty. The term technically refers to the state of one who lacks a certain amount of material resources. It is used as a way to identify those who do not have the sufficient resources to live in a standard of living that is considered appropriate in society. Someone who is suffering from poverty may have to live in cramped, inadequate dwellings or could live on the streets. They may not have the finances to afford transportation, to go to school or to receive adequate health care or have access to sanitary living conditions. Extreme poverty includes not having enough clean and nutritious food to eat or water to drink.
The term poor refers to those who are in a state of poverty or impoverished. These people are categorized by their relative social standing which may or may not be an adequate identification. Those who are unemployed or in intermittent employment, hold low skill jobs, unstable family life, broken relationships, low involvement in the community, low aspirations, high levels of high school drop out rates, poor physical health or suffer from a high incidence of mental disorders are those considered to be poor. These characteristics, however, do not determine a persons intelligence, behaviors, attitudes or compassion.
Poverty and Substance Abuse
Research suggests that there is a strong association between poverty, social exclusion and problematic drug use. Those who are unemployed, particularly long term unemployed, in poor or insecure housing and are early school leavers have a higher rate of substance abuse than those who do not fit into these categories. It should be noted, however, that these risk factors do not determine whether a person abuses drugs or alcohol.
There are many risk factors associated with drug and alcohol abuse. These include childhood experiences, genes, mental illness and psychological factors. In some cases, people who are poor also are in high risk factors. But people who are not suffering from poverty also may embody these risk factors. Unfortunately, many people who are poor become entrenched in the lifestyle that often includes incarceration, exposure to law enforcement, poor health outcomes and homelessness. Because of these issues, surveys and research often focuses on these communities and the result is an over-representation in public health reporting. The research that suggests that poor people abuse drugs and alcohol is potentially biased because of this reporting.
Access to Rehab
One of the most significant risk factors for people who suffer the effects of poverty and substance abuse is access to appropriate health services. For people with adequate money or health insurance, and time available, there are a multitude of private drug and alcohol treatment centers that can be afforded. For those who do not have the resources available to them, treatments and detoxification can be difficult to find and to utilize. Public health services are often at capacity with long waiting times for treatment. Additionally, family responsibilities may mean that they are unable to attend a treatment facility because they are unable to afford care for children, parents or other relatives.
Quality Issues with Poverty and Substance Abuse
For some people, the quality of a substance is more important that how much they consume with regard to health risks. This is particularly the case for people not suffering from poverty. A person who has money and social standing can afford to make particular choices with regard to their substance addiction. They can afford to buy alcohol that is higher quality or drugs that are more pure than their impoverished counterparts. Additionally, they will have access to clean needles and other drug equipment and reduce their risk of infection or disease as a result. Those who are poor often do not have these choices. They will consume low quality alcohol that may have health consequences. The drugs that they can afford to purchase may be cut with dangerous adulterants or be toxic.
Cycle of Poverty and Addiction
The cycle of poverty is a phenomenon where people become entrenched into poverty due to a number of different factors. Family experience, lack of education, limited access to employment and health care all contribute to this destructive cycle. Poverty may commence in generations before the existing one and the role models set up people to continue to live in this way. Without outside intervention to give people access to education and employment, the cycle may continue for generations.
With regard to addiction, there is some evidence to suggest that those in the cycle of poverty who also suffer from substance abuse problems have a significantly more difficult time breaking the cycle and removing themselves from this harmful life than those who are not poor. Additionally, if parents suffer from addiction to drugs or alcohol, their children may have a higher risk of also suffering from this disease.
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#business plan format
Sample Business Plan Excel
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Office of the Bursar #bursar, #penn #state, #ebill, #due #dates, #payment #plan, #refunds, #tuition
Penn State Office of the Bursar
ALERT: The Summer PA State Grant will NOT show in offered or anticipated status in the Student Account Statement until late June or early July. Student Account Statements are generated on a monthly basis and are due on the 22nd of the month. Summer billing will begin in May. Students will be responsible for payment of their student account. The Summer PA State Grant will be applied to the student account upon receipt of the funds in July (if eligible).
Please click the LionPATH Help button below for assistance with LionPATH.
Following are links to some helpful information.
LionPATH uses pop-up functionality within Internet browsers. Please make sure that you have enabled your browser to allow pop-ups.
Log into delegated access to view your student’s grades, financial aid, holds, to do list, and class schedule.
Students can grant access to Authorized Payers to view and pay the Student Account Statement, enroll in the Installment Plan, and access IRS form 1098-T.
eRefund is a fast and convenient way to receive your student refund. To enroll in eRefund:
1. Log in to LionPATH
2. Click on “Manage my Account/Make a Payment”
3. Select “Click to enroll in eRefund”
4. Complete the requested information
Summer Semester 2017
Installment Payment Plan*
How do I claim a PA 529 Guaranteed Savings Plan tuition payment?
If you are planning on using Pennsylvania 529 GSP funds, please follow the steps below:
- After you receive an e-mail notification that your billing statement is available, log into your Student Center.
- Select “Manage My Account/Make a Payment”.
- Select “View” or “Download” in the “Your Statements” section.
- Print and/or save a copy of the Billing Statement for the account owner to submit with the Payment Authorization Form(PAF)or with an online qualified withdrawal.
The PA 529 GSP payment, as well as any additional personal payment being made by other means, must be received by the statement due date in order to avoid any late fees.
Account owner instructions.
- Complete the Payment Authorization Form (PAF) provided by PA 529 GSP or access your account online at www.pa529.com to print a PAF or complete a qualified withdrawal online.
- If completing a qualified withdrawal online, upload an electronic copy of the billing statement(see #4 above).
- If completing a paper PAF, mail or fax both the PAF and the copy of the billing statement to PA 529 GSP.
PA 529 Guaranteed Savings Plan
PO Box 55463
Boston, MA 02205
Please note: Penn State cannot request funds from a PA 529 GSP account on behalf of the account owner. Therefore, please DO NOT mail your PAF to Penn State.
PA 529 GSP mails PAFs in July or early August for the fall semester and in October for the spring semester. Summer PAFs are provided upon individual request. Additionally, a PAF can be obtained online at www.pa529.com or by calling 1-800-440-4000.
What if I have a third party paying my Student Account Statement?
What payment options do I have?
Payments can be made by electronic check (eCheck), credit card, or paper check. Cash payments may be made in person at your campus Bursar/Finance office. Do not mail cash.
How do I get financial aid?
If you are interested in student aid, contact the Office of Student Aid or the student aid representative at your Penn State Campus.
How do I e-sign my Federal Direct Stafford Master Promissory Note (MPN)?
The Master Promissory Note for the Federal Direct Stafford Loan can be completed online or by contacting the Office of Student Aid. Information for completing this online is available at: http://studentaid.psu.edu/types-of-aid/loans/stafford/overview#accept .
Why have I not received my refund?
There could be several reasons why your refund has not been processed. Here are some possible reasons:
- If a payment was made by personal check, a refund will not be processed for 14 days from receipt of that payment.
- If you are not signed up for eRefund, the account information provided may be incorrect. And, if this is the case, you will receive an email notification.
- You have not “accepted” your loans/financial aid in LionPATH.
- Your financial aid has not disbursed into your account.
Is the amount of qualified tuition and related expenses the total amount of the tax credit I can claim on my tax return?
Not in all situations. The amount of the tax credit that you may claim will depend on your individual situation. The IRS is providing instructions on the application of the 1098-T information and eligibility requirements for the new tax credits.
Please consult your tax preparer/consultant to determine how the American Opportunity and Lifetime Learning tax credits and the Deduction for Educational Expenses affect you.
I am experiencing difficulty reaching your office by phone. Is there another way that I can ask a question?
Yes, please click on the “Contact Us” link at the top of this page to send an e-mail message. Our staff will respond to inquiries within 1-3 business days.
I can’t log in as an Authorized Payer to the payment website with my password. What do I do?
Authorized payers can reset their password using the security question.
To reset your password using the security question:
- Navigate to public.lionpath.psu.edu and click “Login” in the Authorized Payer section.
- Enter your authorized user ID and click on “Forgot Password”
- Enter your user ID or email address and choose “continue”
- Enter the answer to your security question and hit “submit” to generate a new email with temporary password.
If you are unsuccessful, your student can reset your authorized payer password.
Steps for students to reset the authorized payer password:
- Log in to LionPATH Self Service –> Student Center
- Scroll to the “Finances” section, and click the “Manage My Account/Make a Payment” link, which will take you to the payment dashboard.
- Once at the payment dashboard, in the “Authorized Payer” section, the authorized payer’s name will be displayed. In the Authorized Payer box, the student should click “Edit,” and verify the email address is correct.
- At the bottom of the Authorized User information form, click “reset password” to generate a new email with temporary password.
eRefund is a fast and convenient way to receive your student refund. To enroll in eRefund:
2. Click on “Manage my Account/Make a Payment”
3. Select “Click to enroll in eRefund”
4. Complete the requested information
Installment Payment Plan*
PO Box 55463
Boston, MA 02205
Free Basic Business Plan Template For Startup and Established Businesses #one #page #marketing #plan
Business Planning Templates
The first step in planning your business venture, clarifying your ideas, aims and objectives is to write a business plan.
Your plan is an essential document to ensure your ideas are feasible and is critical for bank New suppliers and larger customers may require this document and it’s also useful to track progress against your original targets.
Writing Your Business Plan – Downloads
We have three templates you can use to do your business plan kindly offered by SCORE and Bank of Scotland. There are two for preparing the narrative of your plan (One for a startup business and the other for an existing business) and a cash flow template.
These free business plan templates can help you quickly write a business plan. You can download the templates to your computer as they are Adobe PDF files. You can simply click each of the template links below to open now, or right click your mouse to save for later use.
A basic business plan outlines the answers to questions about your intentions such as:
- Is there a demand for your products?
- How are you defining your customer demographics?
- What are your explicit strengths and weaknesses?
- Can you mitigate threats and exploit new market opportunities?
- Are your competitors aggressive or passive?
- Have you assigned key employees to your tactical plans?
- How robust are your financial plans?
Structure of Business Plans
Here’s the basic structure in summary from the downloads above:
It’s best to write this last after you’ve prepared the rest of your plan because this is simply a summary of the whole plan. It should ideally be one page, but two pages are equally acceptable.
This area covers your mission statement, company goals and objectives, business philosophy, the industry you’re in and legal ownership and key employees.
Products and Services
Describe your key products and services, pricing and margins.
Detail your marketing activities including market research, market trends and size, external market economics, barriers to entry. As your market is made up of customers describe their characteristics.
You also need detailed information about your competitors and why you’ll be able to take market share from them. And finally you need information about your promotional activities to reach out and entice your potential customers to purchase your products and services.
This part describes how you’re going to produce your products and any distribution issues to get products to your customers and your key suppliers.
Management and Staff
People are behind all successful businesses, so it’s important to include the key people and advisors.
Start-up Costs Budget
If you’re starting a new business then you should detail the costs you’ll incur while starting up before the day to day operations commence. For most businesses, this is the amount they’ll need initial funding for to begin trading.
Your financial plans should contain enough detail (i.e. monthly) for the first year then quarterly or yearly for the following two years. You should include a profit and loss account, a cash flow forecast and Balance Sheet and even a break-even analysis.
Popular Startup Guides
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#what is business
A business plan is a document demonstrating the feasibility of a prospective new business and providing a roadmap for its first several years of operation.
Business plans are an important part of creating new businesses, whether as a startup or an offshoot of an existing business. Business plans for startups are often shared with funding agencies, potential investors and venture capitalists to obtain the necessary funding.
Although the specifics may vary, here are the typical components of a business plan for a new business:
- The executive summary is a nutshell version of the entire plan, briefly covering the essentials.
- The business description describes the proposed new endeavor, explains its purpose and its target market.
- The plan’s market analysis section describes the industry and the market environment of the proposed business, including a profile of the competition.
- The organizational and managerial section explains how you envision the structure of your business, what types of positions and departments it will encompass.
- The products (or services) section details what you’re offering. This section should include a full description of the products you’ll sell and your plan for product lifecycle management (PLM ).
- The marketing and sales section explains your strategies for branding. marketing and selling your product or service.
- The funding request will differ according to what type of information is required by the funding party.
- The financial projection covers the expected performance and milestones over the first years of operation, usually five years. For an existing business, historical financial data should be included.
- An appendix can include useful information that doesn’t belong in any of the other sections.
A business plan is similar to a business model. However, the latter is a representation of how an existing business works, rather than how a prospective business can work.
This was last updated in December 2013
Contributor(s): Ivy Wigmore
– Risk management is a company’s process for identifying and controlling threats to its assets, including proprietary corporate data, customers’ PII and intellectual property. (SearchCompliance.com )
– Rebranding is an update of the materials and presentation used to represent a business. A company may rebrand to appear more modern or to distance itself from past issues, among other possibilities. (WhatIs.com )
– A/B testing is a statistical method used to assess proposed changes to a product or service. (SearchBusinessAnalytics.com )
– Terms related to business, including definitions about project management and words and phrases about human resources, finance and vertical industries.
– This WhatIs.com glossary contains terms related to Internet applications, including definitions about Software as a Service (SaaS) delivery models and words and phrases about web sites, e-commerce.
#sba business plan
10 Free PDF Business Plan Templates
PDF business plan templates for all types of businesses. / Credit: Tablet image via Shutterstock
Business plan templates come in all forms, shapes and sizes. The beauty of PDF business plan templates, however, is that users can create their own business plans while having a guide or reference point readily available in front of them. Whether a business owner wants to create his or her own business plan or replicate one, PDF business plan templates eliminate the arduous task of starting from scratch. Below are 10 PDF business plan templates to help you get started.
1. SBA business plan template
If you need a business plan template for a small business, there is no better place to look than the U.S. Small Business Administration (SBA). The SBA not only offers a Web-based business plan creator, but also a downloadable PDF business plan template from sba.gov s 8(a) Business Development Program. This no-fuss, straightforward business plan template hashes out the details of a business, with more than 50 prompts to help users answer the questions needed for a complete business plan. [How to Start a Business: Step-by-Step]
2. VA business plan template
Another government organization, the U.S. Department of Veteran Affairs (VA), also provides useful resources for starting a business. In addition to offering a business plan template and financial projections charts, the VA s Writing a Business Plan PDF contains information on why an entrepreneur should create a business plan, basic business plan guidelines and tips on the do s and don ts of writing a business plan.
3. New York StartUP! business plan
Used as the official business plan for the New York StartUP! 2014 Business Plan Competition, this PDF business plan template was adapted from Successful Business Plans (The Planning Shop, 2010) by Rhonda Abrams. Each of the 12 sections of this business plan template includes instructions explaining what type of information to enter, as well as chapter references so you can look up more details. In addition, the template includes a SWOT analysis and optional technology plan.
4. BEC s elevator pitch template
Need a quick and painless, albeit unconventional, business plan? Try the Business Entrepreneurship Center s (BEC) elevator pitch business plan. Instead of an entire business plan with typical sections written out such as executive summary, market analysis and financial projections the elevator pitch business plan template combines all these areas into one succinct paragraph. Find examples at the BEC s downloadable PDF elevator pitch small business plan template .
5. The One Page Business Plan Company s business plan template
Hate the idea of writing out an entire essay for a business plan? The One Page Business Plan Company offers a one-page business plan separated into several sections vision, mission, objectives, strategies and action plans. You can answer all of these sections using keywords and short phrases. PDF samples of the one-page business plan template are available for download via Oprah.com.
6. $100 Startup One-Page Business Plan
Business plans don t have to be complicated. The $100 Startup s One-Page Business Plan template helps users craft a business plan by answering several short questions. You can answer each question in one or two sentences. This PDF one-page template covers everything from an overview of your business to marketing, money matters and obstacle projections.
7. Biz Kids business plan template
Biz Kids, an online portal where kids teach kids about money and business, offers a step-by-step guide to writing a business plan. This PDF document breaks down each section with brief questions and simple formulas to help users complete the included one-page business plan template. Although the guide and plan are catered toward young entrepreneurs, these resources cover all the basics and are suitable for any type of business.
8. Rowan University College of Business sample plan
Thinking about starting a consulting business? Check out Rowan University s sample consulting business plan template. Part of the university s Center for Innovation Entrepreneurship 2013 Rohrer Business Plan Competition, this 30-page PDF business plan template is a comprehensive example of what a consulting business plan entails, complete with financial charts and balance sheets.
9. iPlanner.net business plan template
IPlanner.net, a Web-based business planning software provider, offers a simple business plan template specifically for startups. The downloadable PDF business plan template includes instructions and tips for completing each section, as well as sample charts to help users complete the financial areas of the business plan.
10. SNIEDC fill-in-the-blank business plan
If you want to cover all of your bases, look no further than the Seneca Nation of Indians Economic Development Company s (SNIEDC) PDF fill-in-the-blank business plan template. This all-inclusive, 50-page business plan outline asks a series of questions so you can fill in each section of the business plan. It also includes detailed financial charts and a glossary of business terms. The SNIEDC is a Salamanca, N.Y.-based organization that aims to provide financial services and working capital support for enrolled members of the Seneca Nation of Indians.
Originally published onBusinessNewsDaily.
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Internet providers in Toronto go beyond Rogers and Bell. As it turns out, there’s a wealth of smaller options: A quick search on Canadian ISP reveals that there are no less than 119 internet service providers serving the Toronto area. To get your search off to a good start, I’ve rounded up some of the most-recommended internet service providers currently providing Toronto with a steady stream of cat videos.
Here are my picks for the top alternative internet service providers in Toronto.
A favourite of nerds across Ontario, Teksavvy offers a healthy mix of over a dozen cable and DSL plans, backed up by pleasant customer service; you’re likely to find a package that fits your usage needs and budget. Heavy users can avail themselves of unlimited 50Mbps (megabits per second) DSL for $84.99 a month. (In case you’re nostalgic for those weird boing-ing noises coming out of your modem, they also offer dial-up for $7.99 a month. Really.)
The largest alternative telecom in Canada, Primus offers a variety of wireless services (including phone and VoIP) in addition to a handful of DSL packages. Shoppers beware: available speeds rely heavily on the neighbourhood. For example, while some areas can get up to 50Mbps plans, my Danforth neighbourhood is locked into 7Mbps at $42.95 a month, which doesn’t impress terribly.
Contact is clearly trying to court a young, budget-conscious demo – their website looks like it should be for some kind of women-oriented gym. They promise “the best bang for your buck,” with a variety of DSL plans at 6Mbps, 15Mbps and 25Mbps speeds – their biggest plan offers 500GB of bandwidth at 25Mbps for a frankly insane $34.95 a month. The secret to their pricing: They ask folks to pay extra for their ContactCare tech support.
Start offers cable, lower-speed DSL, and higher-speed FTTN connections. (For the uninitiated, FTTN is a DSL connection that offers a shorter connection between your home and the fibre network, in an effort to offer a more reliable signal.) Add $15 a month to cable plans or $10 a month for DSL plans to get unlimited data. (Except for the 150Mbps cable plan, which already gives you 400GB of bandwidth. You can just suck that one up.)
This Quebecois company just set up shop in Ontario (as evidenced by the site’s somewhat-rickety translation). But for some, their services just might be parfait. Their biggest cable plan is a whopping 1,000GB of bandwidth at 30Mbps at a dirt-cheap $29.95 (for the first six months. after that, it nearly doubles). While their DSL plans tap out at 250GB of monthly bandwidth, they all come with unlimited downloads from 2am to 2pm regardless of tier, meaning you can still binge-download on a budget.
This Toronto-based media company makes Android-based TV its bread and butter, offering set-top video boxes that mix TV channels with access to extra Internet-delivered content. They’re also an ISP, offering two unlimited cable plans at 30Mbps ($49.95) and 60Mbps ($64.95) download speeds.
Operating in Ontario, Quebec, Alberta and B.C. this telecom (which owns several smaller offshoots, including Acanac ) lets you take your pick of cable, DSL, and FTTN connections. A selling point: All of their packages – from an entry-level 6Mbps DSL package ($36.95) to 60Mbps cable – offer unlimited downloads.
Did I miss any? Leave your ISP recommendations in the comments.
Note: since Rogers and Bell own the telecommunications infrastructure, the above companies are all third-party carriers, re-selling Internet services they purchase at a wholesale rate; basically, the big guys are going to get your money one way or another.
#business plan template
Business Plan Template
Planning is a fundamental element all types of works and projects. Planning is essential for the successful execution and performance of people and is a powerful aspect of the business processing and procedures. Among the various types of planning strategies and techniques used in business entities and organizations, business plan is the most important and common planning document.
A business plan is a formal guide that acts as a roadmap for the business and its managers. It is a formal written down form of the company’s goals and objectives. It helps identify the reason for the existence of the company and its goals and how the company should perform to achieve these goals and reach the specified position. Like all types of reports the business plan must also provide the basic general information about the company and its operations to give the reader some background knowledge of the business plan.
Thus the business plan is outline of the company’s future course of action. There are several advantages of writing a business plan. It is a very useful document. If you are manager of new company and you want start the planning process by the initiation of a business plan, then you gather the appropriate information for the business plan contents. Start from a business plan template. You can search a business plan template on the internet or through some word processing softwares. This will be a good guideline for a new writer of business plan.
This 10 pages business plan template is created using MS Word including a table of contents page. You can modify sample contents on each page that are laid out in tabular format. Below are the screenshots of main page as well as some of the other pages to show you how it looks like.
Below are the screen shots of some other pages.
Vending Machine Business Plan: Did You Think of These Before You Got Started? #small
#vending machine business
Vending Machine Business Plan: Did You Think of These Before You Got Started?
by Chris Tomasso
The first things you must consider when making a business plan is, What are your goals? , and Does the math work? Many people first get the idea to get into vending because the notion of passive income and controlling their own destiny is so compelling. While this is true, they forget to calculate if it even makes sense for them.
Without a proper business plan, you can set yourself up for failure from the start. This is because, in vending, there is a significant delay between your actions and your financial results. Whether you make the right or wrong decision, you don t see your outcome for a while. So much money is moving from place to place in vending that it can be hard to track. There are many sources of income: Cash from machines, free vend, subsidizations, renting machines, rebates from corporations, and more. Expenses are varied, including but not limited to: Rent on a warehouse, insurance, vehicle repair and maintenance, machine repair and maintenance, buying product, accounting, and acquiring new accounts. Revenue from the business is the result of thousands of small transactions. In general, your profit is not immediately obvious.
Why create a business plan?
It may seem straightforward, but in a business where the average operating profit is 45%, but the average net profit is just 2%, you can’t afford not to plan. Creating a business plan will help you price your product, set up service schedules, set minimum sales requirements for locations, determine how much you can afford to invest in new business, and it lays the groundwork for your future success.
If you don t create a business plan, you could be working for less than minimum wage in a job that is supposed to give you more time and freedom.
Where do I begin?
A business plan can only be effective if it reflects your specific goals. If you haven t already, ask yourself some of these questions:
- How many hours are you willing to work?
- Are you looking to build it and sell it or give it to your kids some day?
- Is it a retirement vehicle?
- Will you need to train someone to eventually run it for you?
- Do you have cash to invest in it or are you building it from scratch?
- Do you want a flexible schedule or time to travel or spend with loved ones?
- What resources do you already have? A person who is well connected will have a lot easier of a time starting out than a person who has just moved to the area.
- Do you have warehouse space or a vehicle you can use?
I strongly encourage you to really consider these questions and how running a vending business will fit in with your overall lifestyle goals. This could take you days or even weeks if you haven t consciously thought of it before. Once you seriously answer all of these questions, you ll need to start doing some math.
Doing the math
The exact math you need to do will be reflective of your specific goals and the resources you need to achieve those goals. As such, it s beyond the scope of this article. If you need help deciding what s realistic for you, I suggest seeking the help of a professional in the vending industry.
What you need to keep in mind is that vending machines have a significant up front investment. It could take a year for the sales of a machine to recoup the cost of buying and installing the machine. This means that, although you will be making cash money immediately, you will not likely profit from those vending machines for at least a year.
This reality needs to be reflected in your business plan. If it takes each of your machines one year to pay off their debt, those machines are not making money for you right now.
How are you making money right now? Do you have this as a side job? Do you offer a service, such as installation or repairing machines for other vendors? Do you have office coffee service where the cost of installation is potentially much cheaper and the per item value potentially much higher?
On the other hand, can you afford to not turn a profit on this machine for the allotted time? Can you afford to add at least 15% to that number to account for maintenance costs? If you can absorb these for the time being, great! If it s not making you a profit, it still may be a good idea, as long as you plan for it.
Growing your vending business
Planning for the future is also part of your business plan. How do you plan to grow your business? Do you plan on making lots of cold calls? Do you plan on generating a referral based business?
Learning vending is a fantastic way to learn how to run any business. This is because, instead of running one giant entity like a restaurant, you are running dozens or hundreds of tiny machines, each with their own cash flow. In doing this you will get really good at recognizing good business opportunities and bad opportunities because you can automatically do the cash flow in your head.
Like many other businesses, a vending business has an economy of scale. Vending supply companies, such as a cash and carry. sell products in cases, so if you only have one snack machine and you buy a case of chips, unless that company only buys one kind of chips then I guarantee your chips will expire before you sell them all.
A case is 64 chips. In an average snack machine, a row for chips is between 10-12 spaces. This means that you will need 6 rows of one kind of chip to sell in no more than two months, because chips usually expire in two months. You will most likely have expired chips in this scenario. If you are in this situation, then you should probably take away your snack machine until you can find a location with a higher volume of sales. A vending business profits immensely from a certain scale, because you can get and utilize cases to offer a variety, get rebates from manufacturers, begin hiring employees so you re not doing as much route driving yourself, and get deliveries from vending supply companies instead of going to them to get product. These are just some of the benefits of scaling up your business.
Since scaling is so important, you must decide if you’ve gotten started in the business too small. If this is your problem, you might be better off selling your route to someone with a larger business and working under them on a contract basis. Otherwise, you will have to secure a large loan in order to purchase a lot more equipment if you want your business to scale up quickly. This debt will then be subtracted from your profits. If you can still make a profit after subtracting all of your business operating costs and paying back the debt for starting the business, then great!
The difficulty of creating a sensible business plan is why so many small time vendors go out of business so quickly. More and more the little guys get squeezed out because the cost of running a business is much harsher for a smaller business as it is for a slightly larger business. This is because often time your fixed costs (rent, insurance, product cost, etc) remain the same whether you have two machines or two hundred machines.
This is just barely scratching the surface. If you feel lost, I suggest seeking the advice of someone in the vending industry. I also recommend speaking with Robert Cornelius. He s our resident vending consultant at Vending How. No matter what you choose to do, it pays to plan and plan well.
Chris is the editor and online marketing guy at Vending How. He can also drive more traffic to your website.
by Chris Tomasso