15+ Business Plan Books for Free! [PDF]
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Planning in business is of vital importance for the founding of any type of company. This is why we bring you this collection of business plan books in PDF format so you can start your adventure as it should be, with foresight and order.
Business plans were born in the mid-20th century, but it was in the 1970s, with the rise of the entrepreneurial sector, when the need to develop them became popular and grew. Today it is a widely used resource that improves the chances of success of any company. Therefore, we know that this selection of business plan books will be very useful for our community interested in its elaboration.
A business plan is a written document, of a formal nature, with a logical, coherent and progressive order that has the purpose of carrying out a set of actions indicated in it. It is a kind of guide or map that takes into account current and future opportunities and obstacles that may arise in the specific context of the business .
It includes the ideas of the entrepreneur or business group undertaking the project, the way in which they will be carried out, the proposed objectives and the strategies to achieve them. At the same time, an exercise of reflection and interpretation of the market in which the company will operate is carried out, as well as an evaluation of the future results in that market, the variables and the allocation of resources to develop the project are determined.
The benefits of a business plan are innumerable, since it is a firm beginning, it allows foreseeing difficulties and how to face them, defining how to participate in a specific market, knowing the competition, having clear objectives and strategies and many others that we would not finish listing in this section.
Therefore, we invite you to learn how to make one successfully, using as a guide our selection of more than 15 books of business plans in PDF format , to which you have immediate and free access, below.
Here we present our complete selection of Business Plan Books:
Business Plan
South Dublin County Enterprise Board
The Importance of a Good Business Plan
Les Nunn and Brian McGuire
The Elements of a Business Plan First Steps for New Entrepreneur
Cole Ehmke,Jay Akridge
Business Plan Guide
Donald J Reilly
Effective Business Planning A Key to Successful Enterprises
Dongol Rina,Neupane Basudha
A Sample Business Plan for Small Food Businesses
Rodney B Holcomb,Philip Kenkel,Linda Blan Byford
How to Write a Business Plan
University of Cambridge
Topic Business Plan (Article)
Rajdhani College
Preparing a Business Plan (Presentation)
Smt Therese Francis
Business Plan Guidelines
The Office of the Comptroller of the Currency
Business Plan Guideline for Small and Medium Scale Enterprises
Dr Babafemi Oyewole
Preparing a Business Plan
The Gauteng Enterprise Propeller
Development of Business Plan
The Role of Business Planning
Texas A and M AgriLife
Esade Library
Elements of a Business Plan (Article)
Beef Cattle Research Council
Business Plan A practical guide to help you develop a business plan
Community Business Development Corporation
The Business Plan and Its Parts (Article)
Lake Agassiz Development Group
Here ends our selection of free Business Plan books in PDF format. We hope you liked it and already have your next book!
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Free Business Plan Workbook (PDF) for Entrepreneurs
Written by Dave Lavinsky
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- Comprehensive coverage: A well-designed business plan workbook like ours covers all the essential elements of a business plan, including market analysis, marketing strategies, financial projections, and more. This ensures that you develop a thorough and well-rounded plan that addresses all aspects of your business.
Fundamentals of Business - 4th Edition
(9 reviews)
Stephen J. Skripak, Virginia Tech
Ron Poff, Virginia Tech
Copyright Year: 2023
ISBN 13: 9780997920178
Publisher: Virginia Tech Libraries
Language: English
Formats Available
Conditions of use.
Learn more about reviews.
Reviewed by Stacy McManus, Adjunct Professor, Minnesota West Community & Technical College on 2/16/23
The book did an excellent job of covering the basics of business. Everything that I cover in my course was covered in this book. read more
Comprehensiveness rating: 5 see less
The book did an excellent job of covering the basics of business. Everything that I cover in my course was covered in this book.
Content Accuracy rating: 4
Book was very accurate, up-to-date and thorough.
Relevance/Longevity rating: 5
The chapters were ordered thoughtfully and progressed in a manner which will help the students to learn the material. Content was up-to-date, and I don't feel that it will be situation where a new edition is required each year.
Clarity rating: 4
The book was clear and easy to understand.
Consistency rating: 4
The e-book is easy to navigate and follows a consistent pattern. The material is pleasing to the eye and is an easy read.
Modularity rating: 5
The chapters are set up well - not too long to lose interest but yet detailed and thorough.
Organization/Structure/Flow rating: 5
The chapters and topics were arranged in a logical manner.
Interface rating: 5
I reviewed the e-book version and did not have any issues with the interface. The book was easy to navigate and the appearance was very professional.
Grammatical Errors rating: 5
No grammatical errors were immediately apparent.
Cultural Relevance rating: 4
I did not notice anything offensive or concerning.
I was excited to find this OER book. It is well done, detailed, and thorough. I appreciated the test banks that were included. I would like to see some recommended activities for each chapter, but overall the book was excellent. I was happy to see an additional chapter on hospitality as well. I look forward to adopting this for my Foundations of Business class.
Reviewed by Marie Looby, adjunct instructor, Massasoit Community College on 6/5/21
Varied subject matters that progress logically and are covered in detail with terms well defined. Offers outside links for further enrichment. read more
Varied subject matters that progress logically and are covered in detail with terms well defined. Offers outside links for further enrichment.
Content Accuracy rating: 5
Found no errors while moving through the text including the quizzes.
The book uses modern day examples that the student can relate to and reference. Although the examples are current the skills are timeless.
Clarity rating: 5
There are embedded links for sources allowing students to access backup while reading online.
Consistency rating: 5
The text shows all the same tools throughout making it easy for students to develop study skills for this book.
The text is organized in chapters with mini quizzes built in as the subject veers in a different direction in each chapter.
The chapters build on the skills and knowledge as they go along eg: group think.
No navigation problems. While clicking on various links there were no difficulties reaching the sources.
Well done and consistent grammar.
Cultural Relevance rating: 5
Illustrations showed diversity
The materials were interesting enough to encourage you to continue reading.
Reviewed by Steve Lesh, Associate Professor, Bowling Green State University on 1/8/21
I must first state that I am a Doctor of Physical Therapy educator who holds a PhD in Business which is not a common combination of degree paths. I was intrigued by the possibility of adding more business theory to my health service administration... read more
I must first state that I am a Doctor of Physical Therapy educator who holds a PhD in Business which is not a common combination of degree paths. I was intrigued by the possibility of adding more business theory to my health service administration courses, but the cost has been historically prohibitive to the students in my experience. We utilize a niche health care admin textbook which misses some of the greater foundational business skills. When this opportunity presented to review materials that I could add to my course without adding cost, I was very pleased. I find Skripak to be comprehensive with the added bonus of my favorite chapter #18 Personal Finances which for Physical Therapy students who typically leave school with great debt to be invaluable!
I found the materials to be easy to read, well organized and did not find errors. I really enjoyed the links to external videos that supported the concepts. I feel the presentation was unbiased.
As this is the second edition with a 2018 publish date it was very current, however, I noticed after I began reading the 2nds edition that a 3rd edition (2020) has been released which updates figures, graphs, and some of the recent law changes. Having the book turn over that quickly makes it even a greater value to me as the instructor and to the student. I appreciate the relevance of being able to submit suggestions or corrections to the author and that they are making a test bank available in support of this material! Doesn't get much better than that!
Well written and not overly technical. The narrative flows well from the beginning to the end of each chapter.
From what I can tell, it is very consistent. I did not observe any changes in tone or terminology, but again, I am reading this through the eyes of someone who has earned a PhD in Business, so it is all very familiar to me.
Modularity rating: 4
When you go to the website, you can easily download each chapter in bits [https://vtechworks.lib.vt.edu/handle/10919/84848]. I first started reviewing the full .pdf of the 2nd edition and found that it didn't have bookmarks for each chapter so the scrolling was a bit annoying. I would add that piece to the full .pdf if possible and it appears they did that in the 3rd ed. However, the module approach online eliminates the need for a full book .pdf download.
Starts with teamwork which is perhaps one of the most important concepts in modern business. So I really appreciate that. The 18 chapters of the 2nd (and 3rd) edition cover all of the major elements of modern business. Certainly, each chapter could be expanded into it's own book. For example, Chapter 14 is Marketing, and there are full marketing textbooks, however, that is not the function of this book. The purpose is to take you through all of the major components of business as opposed to deep dives into each topic.
Again, I loved the interface with online videos. The links appeared to all work. Adds a multimedia approach to the words on the page.
I didn't see any that were obvious during my readings.
There were no elements that were culturally insensitive or offensive that I noted.
I look forward to integrating this open textbook into my Physical Therapy health service admin course as I can now get a glimpse of business fundamentals to supplement the health care niche that my students receive! Thank you for this opportunity. I do have some ideas for writing open textbooks and would be open to doing so. Steven G. Lesh
Reviewed by Babu George, Associate Professor, Fort Hays State University on 10/26/18
This book covers the overall landscape of contemporary businesses pretty well. While nothing significant is 'lacking', I would love to have the authors provide a chapter that quickly takes students through the history of business and another... read more
This book covers the overall landscape of contemporary businesses pretty well. While nothing significant is 'lacking', I would love to have the authors provide a chapter that quickly takes students through the history of business and another chapter that discusses the futuristic dimensions of business.
The contents are accurate. The authors have provided citations to key claims. The references have hyperlinks to more scholarly resources on topics discussed in the book.
Relevance/Longevity rating: 4
The contents are presented in a generalized manner - meaning, the book could stand the test of time for a significant duration. The dynamism of the contemporary businesses could have been captured better, however. The digital transformation of businesses and societies has made the life cycle of knowledge shorter. More stress on e-businesses and digital models would have made the book more relevant.
The authors have used simple English. Overall, the book is very accessible.
Yes, there is a unity of purpose and a sense of unity, throughout the book.
The chapters are stand-alone, for the most part. So, professors need not teach the content sequentially.
Ideas are organized systematically. Every chapter opens with a set of learning objectives and this gives direction to the learners. The students are asked to reflect upon certain key questions, from time to time. Answers to these question are then made available in the content discussed. At the end of each chapter, certain key takeaways are listed. This facilitates a natural form of learning.
No issue noted.
Well written.
No culturally insensitive use of language or images noted. However, in the forthcoming iterations, the authors are requested to bring in more dimensions of global businesses. Examples of business practices in other countries and cultures would add value.
One chapter (Chapter 15: Hospitality and Tourism) does not make a lot of sense. One might wonder why the authors devoted a full chapter for one industry! Why not similar chapters for other industries? It almost sounds like one of the authors had a chapter written for some other purpose, which needed to be inserted in this book. There are several other examples and case studies related to tourism in this book, too. Thinking of it positively, this book thus has an added advantages for students majoring in Hospitality and Tourism.
Reviewed by Mindy Bean, Faculty, Linn-Benton Community College on 6/19/18
The OER does well on covering topics in an introductory level business course. It adds a section that is not in typical business fundamental material of hospitality which compliments our new program that we started at our college. read more
The OER does well on covering topics in an introductory level business course. It adds a section that is not in typical business fundamental material of hospitality which compliments our new program that we started at our college.
The book is consistent with most material that is available.
The examples in the book are commonly used in most topics of basic business fundamentals. It should hold relevancy for 4-5 more years.
The book is clear in the writing that can be easily read. Business terms are well represented and explained thoroughly. The material is written well for a student's first time learning business and how to apply it to what is happening around them.
The book is consistent from chapter to chapter. The sources of material are well represented. Visuals compliment the written material.
The chapters are seamless with transition from topic to topic. It could easily be broken up into sections of reading during certain points in the course. This text seems to be set up well for student team work to learn on each important topic of business basics.
Chapters are organized in a good way to learn all material and have it related to each former chapter. Personally I will be teaching the chapters in a different order to complement a business plan being created by students.
Interface rating: 3
The book could use a few more visuals for students to relate to the material. Some of the visuals could use improvement, but as for the written material, it is clear and written well for beginners understanding business.
I did not find any grammatical errors.
Globalization section addresses cultural differences in a way that is not culturally insensitive or offensive in any way. It used examples of variety of countries and global management practices.
Reviewed by Jeff Bauer, Professor of Management & Dean, University of Cincinnati - Clermont on 3/27/18
The text is quite comprehensive covering: ECON, Ethics, Global Business, Forms of Ownership, Entre, MGMT, OB/OD, OM, Motivation, H/R, Unions, MKTG, Pricing, Hospitality MGMT, ACCT/FIN, and Personal FIN. Only areas "missing" = Information Systems... read more
Comprehensiveness rating: 4 see less
The text is quite comprehensive covering: ECON, Ethics, Global Business, Forms of Ownership, Entre, MGMT, OB/OD, OM, Motivation, H/R, Unions, MKTG, Pricing, Hospitality MGMT, ACCT/FIN, and Personal FIN. Only areas "missing" = Information Systems and Data Analytics/Analysis.
Well researched and the sources are thoroughly documented.
With a 2016 publication date, it is up-to-date and should have a shelf life of several years. The biggest challenge will be updating the stories/vignettes as new information becomes available on the firms mentioned and technology inevitably impacts the content.
The material is easily accessible to the Introduction to Business student. Well written and the material flows well. Terms/jargon are thoroughly explained in the chapter and at the end of each chapter.
Consistency format for each of the chapters and interspersed well with photos, charts, and real-world stories.
The layout presents the material well and is easy to read. Chapter lengths and the length of the entire text fit well with the organization of a class over a semester.
I might organize the material a bit differently as the Global and Ethics items are early in the text and I might bump them to later in the term after additional terminology is learned and can be applied to that material. That said, overall the text is laid out logically and "like" content is connected in successive chapters, e.g. MGMT then OB/OD, etc.
Worked fine for me reading it on-screen.
I did not edit the text, but nothing glaring related to grammar jumped out at me.
On the contrary, I think the text tackles diversity head on and provides a good review of the 21st Century workplace and marketplace.
I am VERY likely to adopt this text for the next Intro to Business class that I teach.
Reviewed by Thomas Goodwin, Part-time Instructor, Miami University on 6/20/17
This text does a good job of introducing key functions of an organization (Marketing, HR, Accounting/Finance) as well as core principles such as ethics, legal issues, and economics. The material is appropriate for an introductory course to serve... read more
This text does a good job of introducing key functions of an organization (Marketing, HR, Accounting/Finance) as well as core principles such as ethics, legal issues, and economics. The material is appropriate for an introductory course to serve as the foundation for general business or to move on to a concentration in any of these business disciplines. There are two chapters that do not quite seem to fit in with the rest of the text: chapter 12 discusses Union/Management Issues, which makes sense in the flow of the book that it follows chapter 11 on HR, but for an introductory course the chapter 12 topic gets into a lot of HR detail not generally covered in an introductory course. Chapter 15 focuses on the hospitality and tourism industry. This is a very specific chapter embedded within the book about an industry while the rest of the book is mostly general information that could be applied to any number or types of organizations. Still, out of 17 chapters there are 15 solid chapters that provide great content and overview of the subject matter.
The book is written in an easy to read format with no noticeable grammatical errors or formatting issues. It is easy to find topics within chapters based on the layout, fonts, etc. The information itself is rooted in fundamental concepts of each chapter's topic or subject matter within the business discipline and there are no overt attempts to lead the reader in a particular manner to form bias or opinions, other than to establish critical thinking of topics.
While there are some examples that may seem somewhat dated, they are explained in a manner that is easy to understand and they are relevant (or "fit") within the context of the chapters and course concepts being discussed. The book is quite lengthy but given the 17 chapters that is to be expected. The author could probably eliminate two chapters on ancillary material to make it a shorter text but the chapters are not unnecessarily bloated for the sake of adding more vocabulary or unnecessary graphics.
The book uses easy to understand language, explains course concepts and terminology, and reinforces abstract ideas with examples. Overall it does a good job of relaying topics that are being introduced to students for the first time.
The text remains consistent in present tense tone of voice, chapter structure is organized consistently throughout the text, and the use of masculine vs. feminine language is muted so that it presents information to readers in a gender-neutral manner.
One could easily pick up this course text and only read select chapters that were of interest. Gaining an understanding of the legal topics (Chapter 5 Forms of Business Ownership) was not necessary to learning about subsequent chapters such as Marketing, HR, economics, etc. An instructor could pull needed material from this course text to supplement other teaching materials as well as to expand on the introductory materials contained herein to build out a more robust, in-depth course on any of the topics contained within this textbook.
Organization/Structure/Flow rating: 4
There is a very logical structure with the early chapters discussing types of business formation, teamwork, and ethics before moving to more operational activities such as financing, marketing, management and so forth. A few chapters could be reorganized. The ethics chapter could be moved to coincide with the legal (chapters 3 & 5) and there are two chapters that do not seem to fit with the introductory material (Chapter 12 on Unions and Chapter 15 on Hospitality & Tourism) but otherwise the book had a good flow of advancing through the broad goal of introducing multiple aspects of business.
Interface rating: 4
The book could use more graphs, pictures, diagrams, etc. to emphasize course concepts; however, the author made the textbook very easy to read (especially online) so the lack of numerous photos or graphics may conversely make it easier to download and read as plain text.
Grammatical Errors rating: 4
There are no noticeable grammatical, spelling, or punctuation errors. There are a few figures that are either not labeled or are not appropriately referencing the course text where they are presented, leaving "floating images" in some places that have no meaning to the topic discussed. Figure 7.3 on page 167 is an example. There is a photo of someone's arm by a laptop and notepad next to sections discussing operational plans and planning for contingencies or crises.
Gender neutral language is used throughout the course text and no offensive references are made or examples presented. The textbook examples cover a wide array of businesses, industries, and geographical reference points.
This course is an excellent resource for a first-year business student that is seeking a broad overview of several business disciplines and to lead into more in-depth study of the course topics throughout an undergraduate curriculum.
Reviewed by Ann Strunk, Adjunct Instructor, Klamath Community College on 6/20/17
The text covers all the typical topics for introductory business course. The Chapter 15: Hospitality and Tourism is relevant to the increasing industry segment. The last chapter on Personal Finances does come after Chapter 16 Accounting but seems... read more
The text covers all the typical topics for introductory business course. The Chapter 15: Hospitality and Tourism is relevant to the increasing industry segment. The last chapter on Personal Finances does come after Chapter 16 Accounting but seems out of place with no connection to the rest of the text.
There does not seem to be any errors or biases.
The textbook was recently written making issues and news items current. Social media marketing is thorough discussed. The Marketing chapter introduces the SAVE marketing model which is taking the place of the four Ps of the marketing mix. Historic ethics cases such as WorldCom and Bernie Madoff are presented.
Pages are of a simple layout with easy readability. All terms are defined and this would also be an appropriate text to use with high school dual credit courses.
Graphics are appealing and provide a distinct look for the various sections of the text. All chapters start with learning objectives and end with take-aways. The individual chapters are of various lengths. Chapter 12: Labor Unions covers just the one topic. Other chapters are much longer with up to seven sections.
There many chapters that could be assigned or presented in a different sequence. It is easy to find and refer to tables and divisions of the chapters.
I find the placement of teamwork as the preface could be very be very beneficial in setting up for class activities and useful for students as they become active in college clubs and organizations.
Effective graphics make the chapters and sections clear. There are very few photos and those are clear and useful.
I found no grammatical errors.
Cultural differences, of course, are addressed in Chapter 4: Globalization of Business. Although there are few photos only one features a person of color.
While the chapter concepts are summarized with "Key Take-Aways", there is no end of chapter "check for understanding" such as review questions, discussions, or activities. Adoption of this textbook would require significant development of assessment tools. The references section at the end of the book is organized by chapter and provides a valuable resource of website hyperlinks.
Reviewed by Ehsan Salek, Professor of Business, Virginia Wesleyan College on 2/8/17
The text has an extensive coverage and actually has several chapters one doesn't normally find in an introductory textbook on business. If this was a traditional textbook, I would not adopt it since there are superfluous chapters and sections that... read more
The text has an extensive coverage and actually has several chapters one doesn't normally find in an introductory textbook on business. If this was a traditional textbook, I would not adopt it since there are superfluous chapters and sections that I would not want in the book but since I can custom-make an electronic copy, I would cut the unnecessary section.
The content is standard and can be found in many similar textbooks. I did not find any errors or biased opinion. All assertions are backed by reputable sources.
In such a book, the only areas that need regular updating are the examples, vocabulary, and technology. 1. Examples must be current, real, and interesting for the students in order to drive home the issues. Most recent news from companies like Apple, Amazon, or Starbucks attract the attention of students. 2. Vocabulary. "Human Resources" instead of "Personnel" or "Tossed salad" instead of "Melting Pot," etc. 3. Technology. Other than specific case studies which might have a historical significance, all references to hardware, software, and telecom should show the most current examples.
It flows well if a freshman or any student new to the business major (otherwise why one would read such a book) can get past the boring look and "feel" of the book. the book looks like a long term paper! Proper use of deeper indentations and special boxes can give the book a more interesting and magazine-like feel, although I understand that part of the bland look is due to cost restrictions.
I did not find any inconsistencies.
The book, by it's electronic nature, is naturally flexible but only to the extent of being able to cut or move materials but I am not sure if an adopter can add his/her own chapters/sections.
Organization/Structure/Flow rating: 2
This is where I will offer the bulk of my feedback. A. Why does TEAMWORK has its own special section before the chapters start? It should be moved to chapter 7, 8, or 10. B. Chapter 12 (Union-Management Issues) is not necessary in such a basic business text. The topic can be subsumed under chapter 3 or 11. C. Another superfluous chapter is #15 (Hospitality and Tourism). It looks like one of the contributors to this text has a specialty in this area. For instance, do students also need to read a chapter about Real Estate or another one about the Airline Industry? D. As much as Personal Finance (chap. 17) is a very useful topic, especially for younger generation of students, allocating a separate chapter to it seems unnecessary to me. How about moving an itemized summary of it to an appendix at the end. E. In place of the deleted chapters, add or restructure as follows, so as to have more chapters about marketing which has the effect of making the text a lot more interesting for the commercial and consumer-driven society we all live in. Chapter 13, Marketing (Introduction to the topic plus discussion of the Product aspects) Chapter 14, Marketing (Price & Place) or (Price and Distribution) Chapter 15, Marketing (Promotion & Advertising)
The only interface issue I found is mentioned in #7.
Grammar is good.
I did not find any of words or phrases that may come across as culturally insensitive or politically incorrect.
Table of Contents
Chapter 1 Teamwork in Business
Chapter 2 The Foundations of Business
Chapter 3 Economics and Business
Chapter 4 Ethics and Social Responsibility
Chapter 5 Business in a Global Environment
Chapter 6 Forms of Business Ownership
Chapter 7 Entrepreneurship and Small Business Development
Chapter 8 Management and Leadership
Chapter 9 Structuring Organizations
Chapter 10 Operations Management
Chapter 11 Motivating Employees
Chapter 12 Managing Human Resources
Chapter 13 Union/Management Issues
Chapter 14 Marketing: Providing Value to Customers
Chapter 15 Pricing Strategy
Chapter 16 Hospitality and Tourism
Chapter 17 Accounting and Financial Information
Chapter 18 Personal Finances
Chapter 19 Technology in Business
Ancillary Material
About the book.
Fundamentals of Business , 4th Edition is an open education resource intended to serve as a no-cost, faculty-customizable primary text for one-semester undergraduate introductory business courses. It covers the following topics in business: Teamwork; economics; ethics; entrepreneurship; business ownership, management, and leadership; organizational structures and operations management; human resources and motivating employees; managing in labor union contexts; marketing and pricing strategy; hospitality and tourism, accounting and finance, personal finances, and technology in business. The textbook was designed for use in Virginia Tech’s Pamplin College of Business introductory level business course, MGT1104 Foundations of Business and is shared under a Creative Commons Attribution Non-Commercial ShareAlike 4.0 license.
If you are an instructor reviewing, adopting, or adapting this textbook, please help us understand your use by filling out this form http://bit.ly/business-interest .
A testbank is now available by request for this book: http://hdl.handle.net/10919/93404 . The testbank covers chapters 1-18 and (currently) aligns to previous editions of the textbook. It is available to any instructor who has adopted Fundamentals of Business in their course.
About the Contributors
Stephen J. Skripak is (retired) Professor of Practice in Management at Pamplin College of Business, Virginia Tech (2005 – 2021) and former Associate Dean for Graduate Programs (2006-2014). He is a senior executive with 25 years of business leadership experience, including positions as General Manager and Chief Financial Officer with divisions of Fortune 500 companies. His background includes financial services, consumer packaged goods, apparel, and industrial companies, with emphasis in turnaround situations. He was the lead contributor and subject matter expert for the 2016 and 2018 editions of Fundamentals of Business , and reviewed the 2020 and 2023 versions of the book.
Ron Poff is Assistant Professor of Management Practice in the Management Department at Pamplin College of Business, Virginia Tech, where he teaches management courses. He began his career as an enlisted member of the US Navy Reserves before entering his primary career in supply chain operations then sales and marketing, where he served in executive roles with large corporations for over 25 years. As an entrepreneur, he then founded his own marketing agency. His education includes a B.S. in Business Management, M.S. Marketing, and a Graduate Certificate in eMarketing. He is the project lead, chief contributor, and coordinator of contributors for the third (2020) and fourth editions (2023) of Fundamentals of Business.
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Free PDF Business Plan Templates and Samples
By Joe Weller | September 9, 2020
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We’ve gathered the most useful collection of business plan PDF templates and samples, including options for organizations of any size and type.
On this page, you’ll find free PDF templates for a simple business plan , small business plan , startup business plan , and more.
Simple Business Plan PDF Templates
These simple business plan PDF templates are ready to use and customizable to fit the needs of any organization.
Simple Business Plan Template PDF
This template contains a traditional business plan layout to help you map out each aspect, from a company overview to sales projections and a marketing strategy. This template includes a table of contents, as well as space for financing details that startups looking for funding may need to provide.
Download Simple Business Plan Template - PDF
Lean Business Plan Template PDF
This scannable business plan template allows you to easily identify the most important elements of your plan. Use this template to outline key details pertaining to your business and industry, product or service offerings, target customer segments (and channels to reach them), and to identify sources of revenue. There is also space to include key performance metrics and a timeline of activities.
Download Lean Business Plan Template - PDF
Simple 30-60-90 Day Business Plan Template PDF
This template is designed to help you develop and implement a 90-day business plan by breaking it down into manageable chunks of time. Use the space provided to detail your main goals and deliverables for each timeframe, and then add the steps necessary to achieve your objectives. Assign task ownership and enter deadlines to ensure your plan stays on track every step of the way.
Download Simple 30-60-90 Day Business Plan Template
PDF | Smartsheet
One-Page Business Plan PDF Templates
The following single page business plan templates are designed to help you download your key ideas on paper, and can be used to create a pitch document to gain buy-in from partners, investors, and stakeholders.
One-Page Business Plan Template PDF
Use this one-page template to summarize each aspect of your business concept in a clear and concise manner. Define the who, what, why, and how of your idea, and use the space at the bottom to create a SWOT analysis (strengths, weaknesses, opportunities, and threats) for your business.
Download One-Page Business Plan Template
If you’re looking for a specific type of analysis, check out our collection of SWOT templates .
One-Page Lean Business Plan PDF
This one-page business plan template employs the Lean management concept, and encourages you to focus on the key assumptions of your business idea. A Lean plan is not stagnant, so update it as goals and objectives change — the visual timeline at the bottom is ideal for detailing milestones.
Download One-Page Lean Business Plan Template - PDF
One-Page 30-60-90 Day Business Plan Template
Use this business plan template to identify main goals and outline the necessary activities to achieve those goals in 30, 60, and 90-day increments. Easily customize this template to fit your needs while you track the status of each task and goal to keep your business plan on target.
Download One-Page 30-60-90 Day Business Plan Template
For additional single page plans, including an example of a one-page business plan , visit " One-Page Business Plan Templates with a Quick How-To Guide ."
Small Business Plan PDF Templates
These business plan templates are useful for small businesses that want to map out a way to meet organizational objectives, including how to structure, operate, and expand their business.
Simple Small Business Plan Template PDF
A small business can use this template to outline each critical component of a business plan. There is space to provide details about product or service offerings, target audience, customer reach strategy, competitive advantage, and more. Plus, there is space at the bottom of the document to include a SWOT analysis. Once complete, you can use the template as a basis to build out a more elaborate plan.
Download Simple Small Business Plan Template
Fill-In-the-Blank Small Business Plan Template PDF
This fill-in-the-blank template walks you through each section of a business plan. Build upon the fill-in-the-blank content provided in each section to add information about your company, business idea, market analysis, implementation plan, timeline of milestones, and much more.
Download Fill-In-the-Blank Small Business Plan Template - PDF
One-Page Small Business Plan Template PDF
Use this one-page template to create a scannable business plan that highlights the most essential parts of your organization’s strategy. Provide your business overview and management team details at the top, and then outline the target market, market size, competitive offerings, key objectives and success metrics, financial plan, and more.
Download One-Page Business Plan for Small Business - PDF
Startup Business Plan PDF Templates
Startups can use these business plan templates to check the feasibility of their idea, and articulate their vision to potential investors.
Startup Business Plan Template
Use this business plan template to organize and prepare each essential component of your startup plan. Outline key details relevant to your concept and organization, including your mission and vision statement, product or services offered, pricing structure, marketing strategy, financial plan, and more.
Download Startup Business Plan Template
Sample 30-60-90 Day Business Plan for Startup
Startups can use this sample 30-60-90 day plan to establish main goals and deliverables spanning a 90-day period. Customize the sample goals, deliverables, and activities provided on this template according to the needs of your business. Then, assign task owners and set due dates to help ensure your 90-day plan stays on track.
Download Sample 30-60-90 Day Business Plan for Startup Template
For additional resources to create your plan, visit “ Free Startup Business Plan Templates and Examples .”
Nonprofit Business Plan PDF Templates
Use these business plan PDF templates to outline your organization’s mission, your plan to make a positive impact in your community, and the steps you will take to achieve your nonprofit’s goals.
Nonprofit Business Plan Template PDF
Use this customizable PDF template to develop a plan that details your organization’s purpose, objectives, and strategy. This template features a table of contents, with room to include your nonprofit’s mission and vision, key team and board members, program offerings, a market and industry analysis, promotional plan, financial plan, and more. This template also contains a visual timeline to display historic and future milestones.
Download Nonprofit Business Plan Template - PDF
One-Page Business Plan for Nonprofit Organization PDF
This one-page plan serves as a good starting point for established and startup nonprofit organizations to jot down their fundamental goals and objectives. This template contains all the essential aspects of a business plan in a concise and scannable format, including the organizational overview, purpose, promotional plan, key objectives and success metrics, fundraising goals, and more.
Download One-Page Business Plan for Nonprofit Organization Template - PDF
Fill-In-the-Blank Business Plan PDF Templates
Use these fill-in-the-blank templates as a foundation for creating a comprehensive roadmap that aligns your business strategy with your marketing, sales, and financial goals.
Simple Fill-In-the-Blank Business Plan PDF
The fill-in-the-blank template contains all the vital parts of a business plan, with sample content that you can customize to fit your needs. There is room to include an executive summary, business description, market analysis, marketing plan, operations plan, financial statements, and more.
Download Simple Fill-In-the-Blank Business Plan Template - PDF
Lean Fill-In-the-Blank Business Plan PDF
This business plan is designed with a Lean approach that encourages you to clarify and communicate your business idea in a clear and concise manner. This single page fill-in-the-blank template includes space to provide details about your management team, the problem you're solving, the solution, target customers, cost structure, and revenue streams. Use the timeline at the bottom to produce a visual illustration of key milestones.
Download Fill-In-the-Blank Lean Business Plan Template - PDF
For additional resources, take a look at " Free Fill-In-the-Blank Business Plan Templates ."
Sample Business Plan PDF Templates
These sample business plan PDF templates can help you to develop an organized, thorough, and professional business plan.
Business Plan Sample
This business plan example demonstrates a plan for a fictional food truck company. The sample includes all of the elements in a traditional business plan, which makes it a useful starting point for developing a plan specific to your business needs.
Download Basic Business Plan Sample - PDF
Sample Business Plan Outline Template
Use this sample outline as a starting point for your business plan. Shorten or expand the outline depending on your organization’s needs, and use it to develop a table of contents for your finalized plan.
Download Sample Business Plan Outline Template - PDF
Sample Business Financial Plan Template
Use this sample template to develop the financial portion of your business plan. The template provides space to include a financial overview, key assumptions, financial indicators, and business ratios. Complete the break-even analysis and add your financial statements to help prove the viability of your organization’s business plan.
Download Business Financial Plan Template
PDF | Smartsheet
For more free, downloadable templates for all aspects of your business, check out “ Free Business Templates for Organizations of All Sizes .”
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Creating Business Plans (HBR 20-Minute Manager Series)
By: Harvard Business Review
A well-crafted business plan generates enthusiasm for your idea and boosts your odds of success--whether you're proposing a new initiative within your organization or starting an entirely new…
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- Publication Date: Jun 3, 2014
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A well-crafted business plan generates enthusiasm for your idea and boosts your odds of success--whether you're proposing a new initiative within your organization or starting an entirely new company. "Creating Business Plans" quickly walks you through the basics. You'll learn to: (1) Present your idea clearly, (2) Develop sound financial plans, (3) Project risks--and rewards, and (4) Anticipate and address your audience's concerns.
Don't have much time? Get up to speed fast on the most essential business skills with HBR's 20-Minute Manager series. Whether you need a crash course or a brief refresher, each book in the series is a concise, practical primer that will help you brush up on a key management topic. Advice you can quickly read and apply, for ambitious professionals and aspiring executives--from the most trusted source in business. Also available as an ebook.
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The Complete Book Of Business Plans Simple Steps To Writing Powerful Business Plans by Brian Hazelg
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Would Trump Move to Control the Fed?
Allies of the former president are said to be devising plans to reduce the central bank’s independence if he is re-elected, a move that would have big consequences for monetary policy.
By Andrew Ross Sorkin , Ravi Mattu , Bernhard Warner , Sarah Kessler , Michael J. de la Merced , Lauren Hirsch and Ephrat Livni
An effort to give Trump more say on rates
This week, investors had planned to examine the latest inflation data, due out at 8:30 a.m. Eastern on Friday, for clues about when the Fed would start cutting interest rates. But they now have something potentially bigger to digest.
The Wall Street Journal reports that allies of Donald Trump are devising ways of watering down the central bank’s independence if he is re-elected president.
If true, that change would represent the biggest shake-up in U.S. monetary policy in decades. But it also raises questions about whether such a plan is possible — or whether Trump’s Wall Street supporters would back it.
Both big and small changes are on the table, according to The Journal, which cites unidentified sources. Among the most consequential would be asserting that Trump had the authority to oust Jay Powell as Fed chair before Powell’s term is up in 2025. While Trump gave Powell the job in 2017, he has since soured on his pick for raising rates, and has publicly said he wouldn’t give Powell a second term .
Smaller changes include allowing the White House to review Fed rules and using the Treasury Department to keep the central bank on a tighter leash.
The overall goal is to give Trump what he wants: more say on interest rates. Trump allies have discussed requiring candidates to lead the Fed to informally consult with him on such decisions and essentially act as the president’s advocate on the institution’s rate-setting committee.
We have questions about such a move, which could have huge consequences including raising the U.S. government’s borrowing costs because of investor worries about the Fed’s loss of independence.
Does Trump really support these nascent proposals? Representatives for the former president told The Journal that “no aspect of future presidential staffing or policy announcements should be deemed official” unless it came from him or an authorized official — but they didn’t dismiss the report entirely and he has long favored more powers to chip away at the authority of the Fed and other agencies.
Could Trump recruit a credible candidate for Fed chair under these circumstances?
Would Trump’s financial backers, including the hedge fund billionaire John Paulson, support these plans?
For context, remember that presidents have tried to influence the Fed before. See Andrew’s 2018 interview with Paul Volcker who led the central bank from 1979 to 1987:
Mr. Volcker recounts being summoned to meet with President Ronald Reagan and his chief of staff, James Baker, in the president’s library next to the Oval Office in 1984. Reagan “didn’t say a word,” Mr. Volcker wrote. “Instead Baker delivered a message: ‘The president is ordering you not to raise interest rates before the election.’” Mr. Volcker wasn’t planning to raise rates at the time. “I was stunned,” he wrote. “I later surmised that the library location had been chosen because, unlike the Oval Office, it probably lacked a taping system.”
HERE’S WHAT’S HAPPENING
Antony Blinken meets with President Xi Jinping of China in Beijing. The two sides were conciliatory in public, even as the U.S. secretary of state was expected to raise numerous concerns about the countries’ relationship and Xi warned Blinken about engaging in a “vicious competition.”
Anglo American rejects BHP’s $39 billion takeover bid. The offer from its mining rival “significantly undervalues” the company, Anglo American said, setting up a potential fight. BHP must now weigh improving its bid — and figure out how to win over the South African government , whose public pension fund is Anglo American’s biggest shareholder.
Elon Musk’s xAI is reportedly close to raising $6 billion. The fund-raising round, which would include investors such as Sequoia Capital, would value the artificial intelligence start-up at about $18 billion , according to The Information. It would be one of the biggest cash hauls in an A.I. start-up amid a heated innovation race, and shows investors are spreading their bets: Sequoia is already a big investor in OpenAI.
A.I. is still giving tech giants a boost
Maybe not all tech giants are being punished for their hefty investments in artificial intelligence.
Shares in Microsoft are up nearly 4 percent in premarket trading, while those in Alphabet are up a whopping 11 percent, after they announced their latest earnings. Both are soaring a day after Meta’s stock tumbled 12 percent — the parent company of Instagram had predicted bigger-than-expected spending on A.I.
The results show that investors are willing to be patient on A.I. — as long as they can see benefits on the horizon. (Getting extra payouts like a dividend helps, however.)
Like Meta, Microsoft and Alphabet are spending a lot. Microsoft reported $14 billion in capital expenses and leases in the first quarter, up 21 percent year-on-year, while Alphabet invested $12 billion — a 91 percent increase.
By comparison, Meta spent $22 billion in the quarter, up 6 percent.
All three said they planned to keep spending on A.I.:
“We’ll still grow our investment envelope meaningfully before we make much revenue from some of these new products,” Mark Zuckerberg, Meta’s C.E.O., told analysts.
Ruth Porat, Alphabet’s C.F.O., said spending would be “roughly at or above” current levels.
Amy Hood, Microsoft’s C.F.O., said investment would “increase materially.”
There are key differences: Meta also forecast lower-than-expected revenue. And investors are also still wary after the company’s multibillion-dollar investment in so-called metaverse technologies, despite no clear sign of a payoff.
Its rivals showed more tangible results from their spending sprees:
Microsoft reported a 31 percent jump in sales at its Azure cloud service, which powers many of its A.I. offerings like technology from its partner OpenAI. (Note: The Times has sued OpenAI and Microsoft, accusing both of copyright infringement of news content via their A.I. systems.)
Alphabet also reported a 27 percent rise in revenue at its Google Cloud business.
That said, Alphabet emphasized that it was cutting costs (which Meta did last year, to investors’ delight) and also introduced a dividend and carried out a $70 billion stock buyback.
Wall Street hasn’t written Meta off yet. Despite the company’s stock tumble on Thursday, analysts still think it’s poised to become a leader in A.I. Some agreed with Zuckerberg’s contention that the company had proved it could eventually make money from new technologies.
The other high-stakes N.B.A. contest
While the N.B.A. has already seen some thrilling playoff games , the league is also managing another contest worth billions.
The basketball league got $24 billion in its current contract with Disney, which owns ESPN and ABC, and Warner Bros. Discovery, which runs TNT. Now it’s looking to double that in a new deal — and the results could reshape the media landscape.
Streaming platforms are competing hard for a piece of the pie. The N.B.A. could split its game rights into two bundles: broadcast and digital.
Some games would be taken from the current package held by Disney and Warner to create a streaming offering that would show both nationally televised contests and some playoff matches, according to The Wall Street Journal. (That said, Disney and Warner would still be expected to pay more despite showing fewer games.)
The front-runner among streamers is Amazon, which has won plaudits for its handling of football games. The tech giant signed an $11 billion, 11-year deal to show Thursday night N.F.L. matches in 2021, and this year reportedly paid $120 million for exclusive rights to air a playoff game .
That said, YouTube is also in the mix, The Journal reported.
NBC also wants a big piece of the NBA broadcast pie. It’s vying for regular-season and playoff games to show on its broadcast network and its Peacock streaming service, as well as shared rights with ABC for the finals, according to The Journal.
Warner Bros. Discovery faces a dilemma. Some analysts and investors are worried about the company paying more for a new deal while it tries to pare its $44 billion debt load: Wolfe Research downgraded its shares to an underperform rating this week on those concerns.
But sports rights are among the most highly sought media assets for a reason: Live sports are a big draw for audiences, making them a valuable bargaining chip with cable and satellite companies as well as advertisers.
“Are you better paying up for less games and hurting your financials or juicing your financials but potentially destroying your long term?” Rich Greenfield, an analyst at LightShed Ventures, said to DealBook.
The not-so-new rules for the internet
Net neutrality is back. The Federal Communications Commission voted to reinstate rules designed to prevent internet service providers from slowing or blocking services from some websites, most likely setting the stage for another legal fight between business and regulators.
The F.C.C. restored Obama-era rules that were scrapped under Donald Trump. In a vote on Thursday, the agency classified internet service as a public utility.
The rule is supposed to ensure that broadband providers like Verizon and Comcast don’t charge some websites more than others or slow delivery of content by rivals, like Netflix or YouTube. “Every consumer deserves internet access that is fast, open and fair,” Jessica Rosenworcel, chair of the F.C.C. and a Democrat, said. “This is common sense.”
Critics say the rule is another case of regulatory overreach. Broadband providers worry that the F.C.C. could move next to regulate prices. (Some states have already capped the rate that low-income households can be charged.)
In a letter sent to Rosenworcel this week, dozens of Republicans argued that net neutrality would harm the growth of the telecom industry.
Both sides’ worst fears have never become reality. The Obama administration didn’t start setting broadband prices when it created the rules. When the Trump administration repealed them, broadband companies didn’t throttle or block websites and consumers didn’t notice big changes in how they reached the internet or how much they would have to pay for it.
Democrats say rules are still needed to protect consumers in the long term. Rosenworcel has also said that greater oversight of internet infrastructure would allow the F.C.C. to better protect networks from cybersecurity attacks.
THE SPEED READ
Shares in CVC Capital Partners rose 24 percent in their trading debut on Friday, after the private equity giant raised $2.15 billion in its long-awaited I.P.O. (Bloomberg)
The C.E.O. of Fisker, the embattled electric-vehicle start-up, told employees that the company was in talks with four potential buyers . (Business Insider)
The F.D.I.C. delayed plans to limit the influence of big shareholders in banks after neither of two rival proposals for doing so gained support. (FT)
“A Chinese Firm Is America’s Favorite Drone Maker — Except in Washington ” (NYT)
Best of the rest
New York’s highest court overturned the 2020 felony conviction of Harvey Weinstein on sex crime charges, citing a lower court judge’s error during the disgraced movie mogul’s trial. (NYT)
The Democratic Republic of Congo accused Apple of using minerals illegally exported from the war-torn eastern half of its territory in its iPhones, Macs and other products. (FT)
We’d like your feedback! Please email thoughts and suggestions to [email protected] .
Andrew Ross Sorkin is a columnist and the founder and editor at large of DealBook. He is a co-anchor of CNBC’s "Squawk Box" and the author of “Too Big to Fail.” He is also a co-creator of the Showtime drama series "Billions." More about Andrew Ross Sorkin
Ravi Mattu is the managing editor of DealBook, based in London. He joined The New York Times in 2022 from the Financial Times, where he held a number of senior roles in Hong Kong and London. More about Ravi Mattu
Bernhard Warner is a senior editor for DealBook, a newsletter from The Times, covering business trends, the economy and the markets. More about Bernhard Warner
Sarah Kessler is an editor for the DealBook newsletter and writes features on business and how workplaces are changing. More about Sarah Kessler
Michael de la Merced joined The Times as a reporter in 2006, covering Wall Street and finance. Among his main coverage areas are mergers and acquisitions, bankruptcies and the private equity industry. More about Michael J. de la Merced
Lauren Hirsch joined The Times from CNBC in 2020, covering deals and the biggest stories on Wall Street. More about Lauren Hirsch
Ephrat Livni reports from Washington on the intersection of business and policy for DealBook. Previously, she was a senior reporter at Quartz, covering law and politics, and has practiced law in the public and private sectors. More about Ephrat Livni
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Airbnb goes hollywood with plans to rent x-men mansion, ‘up’ home, ‘purple rain’ house and more.
The travel and tech firm is launching an 'Icons' program, letting users book a visit to a comedy show with Kevin Hart, a night at the Ferrari museum, or a stay in fictional locales.
By Alex Weprin
Alex Weprin
Media & Business Writer
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The mansion, sitting atop a hill in Westchester County, New York, could be mistaken for any number of homes in the area, save for one little, er, big, thing.
In the driveway, feet from the front door, there is the battered severed head of a giant Sentinel, one of the antagonists to the X-Men.
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That includes an interior that has been meticulously hand-painted so as to appear two-dimensional, as in the cartoon, with the bedrooms, Professor X’s office, Beast’s lab, and even a “danger room” available for guests to explore.
The X-Men mansion is part of a new effort by Airbnb, one that will embrace pop culture to offer its users the ability to stay in iconic properties, both real and fictional. It’s an effort the company is calling “Icons.”
“The name Airbnb is a noun and a verb used all over the world, that’s a good thing, that means everyone knows it. But the downside is kind of like Kleenex or Xerox, it’s associated with one thing, and we want to do more things,” says Airbnb CEO Brian Chesky, in an interview with The Hollywood Reporter . “We want to be in the business not just of places to stay, but experiences and more. And so I think this is a gateway for us to offer more types of services and more types of offerings, and really just do something I think that brings magic in the world and attaches us to some of the biggest icons in culture.”
And while some companies would be fine going halfway, Airbnb is not pulling any punches. To whit: Carl’s house from the Pixar film Up , which was recreated room by room, and which can actually be suspended in the air by a crane.
“I think it’s about the details. You know Walt Disney used to talk about the details,” Chesky says. “Walt Disney also said if you can dream it, you can do it and that’s exactly what we’re trying to do.”
The idea for Icons actually started … with Ikea, and a chance shopping excursion about a decade ago.
The company would go on to do other one-offs, like the Barbie Dreamhouse, or the home from Home Alone.
“It captured people’s imagination. And we started realizing, what if this wasn’t just a one off program?” Chesky says. “What if we made this a whole product on Airbnb? What if we gave it its own category right in the homepage? and gave it the same level of seriousness and treatment that we treat the rest of the product? What if we do that more frequently, make the builds even more fantastic, and just make an ongoing commitment to doing this?”
Many of the Airbnb icons will offer exclusive experiences to go along with the stay. Guests who stay in Prince’s Purple Rain house will be able to listen to rare and special from the musician; while a stay at the Ferrari Museum in Maranello, Italy includes a lap around a track with a professional driver. One experience will see a guest joining Kevin Hart for an evening at his members-only Coramino Live Lounge; and another includes a private living room performance from Doja Cat.
Inside the X-Men mansion in Westchester, overnight guests will experience a multi-hour tour hosted by a team of actors portraying X-Men in training, including some unique cocktail-making in Beast’s lab, and combat training from a stunt man in the danger room. Each of the bedrooms is themed to different X-Men, with little details true to the character (Wolverine’s alarm clock has claw marks, for example).
“We’re just trying to capture a decent cross section of pop culture. But I’m particularly excited about the extremes, either these imaginary worlds that no one has ever tried to bring to life before, or these things that are real, but you never could get access to before,” Chesky says. “Most people don’t just hang out with Kevin Hart and get a 30 person comedy show from Kevin — he does like stadiums, you know — so we like bringing our imagination to life and being able to give you access to something that’s real, but that you’ve never had access to before.”
Airbnb will have 11 Icons at launch, and is promising to refresh it with new offerings throughout the year. Most will be free and first-come, first-serve, but even the ones with a fee will cost under $100 per person, per night (the X-Men mansion, for example, will be $97, but includes the overnight stay, the X-Men training experience, dinner, and breakfast).
You can see the full list of Icons experiences, as well as photos, below.
Drift off in the Up house – Sleep inside one of Disney and Pixar’s most iconic homes—and yes, it floats. You’ll explore Carl’s world in this detailed re-creation of his home, complete with more than 8,000 balloons, and located in the scenic red rocks of Abiquiu, New Mexico.
Step into X-Men ‘97 – Live like the X-Men as you stay in a 2D animated re-creation of Marvel Animation’s X-Mansion in Westchester, New York. You’ll discover your mutant abilities and even train in the Danger Room.
Go VIP with Kevin Hart – Kevin Hart is taking you inside his members-only Coramino Live Lounge for an A-list evening. You’ll join Kevin and his friends in this secret speakeasy, where they’ll treat you to a tequila tasting and live stand-up by the best comedians in the game.
Wake up in the Musée d’Orsay – Stay in the Paris art museum’s iconic clock room, which has been transformed into a luxurious bedroom by Mathieu Lehanneur, designer of the Paris 2024 Games torch and cauldron. From the terrace, you’ll witness the historic Opening Ceremony of the Olympic Games along the River Seine.
Join a living room session with Doja Cat – Fresh off a tour performing on the world’s biggest stages, Doja is hosting you for a much more intimate experience. You’ll enjoy an unforgettable living room performance from the Grammy-winning artist, including her favorite songs and tracks from her latest album.
Stay in Prince’s Purple Rain house – Prince purchased the Minneapolis, Minnesota home featured in the legendary film Purple Rain, but it’s never been available to the public until now. Explore the home and go crazy for rare and special tracks from Prince’s world in an exclusive studio session.
Go on tour with Feid – Join the reggaeton superstar on his FERXXOCALIPSIS World Tour for an entire week. You’ll join the crew for rehearsals, ride along on the tour bus, and get backstage access for every show.
Live like Bollywood star Janhvi Kapoor – Janhvi Kapoor is inviting you into the legendary, never-before-seen Kapoor family home in Chennai, India. From learning her Bollywood beauty secrets to tasting her favorite southern Indian dishes, Janhvi will host you personally on this ultimate overnight stay.
Make core memories with Inside Out 2 – In anticipation of the June 14 release of Disney and Pixar’s new movie Inside Out 2, you’re invited to an overnight stay at Headquarters, the control center of Riley’s emotions. Your host, Joy, will welcome you into her vibrant world to witness the emotions in action and help keep things in balance.
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Health Plans Must Cover Transgender Care, Fourth Cir. Says (2)
By Mary Anne Pazanowski
Two states’ health plans’ blanket coverage exclusions for gender-affirming care are unconstitutional, the full Fourth Circuit said Monday.
A North Carolina state employee health plan violates the 14th Amendment’s equal protection clause by refusing to pay for medically necessary gender-dysphoria treatments, a slim majority of the US Court of Appeals for the Fourth Circuit said.
And West Virginia’s Medicaid program is unconstitutional to the extent that it pays for some gender-affirming care, but not for surgeries that are typically covered for non-transgender patients, the court also said. The exclusion violates the Affordable Care Act and the Medicaid Act, it said.
The decision affirmed lower federal courts in North Carolina and West Virginia, and addressed an issue that’s bedeviling other courts that are considering transgender rights issues—including the validity of state laws banning gender-affirming car for minors and school bathroom-use policies.
Appeals court disagreements on the discrete issue of whether a government action violates the 14th Amendment’s equal protection clause probably require US Supreme Court resolution, experts on LGBTQ+ rights have said . So far, the Sixth and Eleventh circuits have rejected the approach that the Fourth Circuit took, using heightened scrutiny, when deciding that state laws banning gender-affirming care for minors likely pass constitutional muster.
“Decisions like this one, from a court dominated by Obama- and Biden-appointees, cannot stand,” West Virginia Attorney General Patrick Morrisey (R) said. Morrisey vowed to take the case to the US Supreme Court “and win.” The state’s top lawyer added that he’s “confident in the merits of our case: that this is a flawed decision and states have wide discretion to determine what procedures their programs can cover based on cost and other concerns.”
North Carolina Treasuer Dale Folwell, a defendant in the case, said the Fourth Circuit’s decision failed to take account of the plan’s financial situation. The opinion “opens the way for any dissatisfied individual to override the plan’s reasoned and responsible decisions and drive the plan towards collapse,” he said.
The department’s mission is to protect the plan, which is “facing the real risk of looming insolvency,” Folwell said. Providing “coverage that does the most good for the highest number of people” with the limited resources available is the department’s priority, he said.
A majority of the Fourth Circuit’s active judges held that the exclusions discriminate against transgender people on the basis of sex and gender identity. Neither state showed that the exclusions were substantially related to important government interests, the majority said.
Transgender Rights
Lambda Legal Senior Counsel Tara Borelli, the lead lawyer on both lawsuits, praised the decision, saying it will save lives. Co-counsel and Lambda Legal Counsel and Health Care Strategist Omar Gonzalez-Pagan added that the court sent “a clear message that gender-affirming care is critical medical care for transgender people and that denying it is harmful and unlawful.”
“This ruling sets a clear precedent not just for North Carolina and West Virginia but to all jurisdictions within the Fourth Circuit, including South Carolina, where legislators are considering a discriminatory healthcare ban,” Gonzalez-Pagan said.
The split Fourth Circuit rejected the employee health plan’s argument that its refusal to pay for certain care was based on the medical diagnosis for which payment was sought, not the gender of the person requesting it. “In this case, discriminating on the basis of diagnosis is discriminating on the basis of gender identity and sex,” the court said. “The coverage exclusions are therefore subject to intermediate scrutiny,” under which the states were required to show “an exceedingly persuasive justification” for treating transgender people differently, it said,
Neither state could meed the heightened standard, the majority said.
The plan’s decision on whether to cover a claim requires an assessment of a participant’s sex assigned at birth, the majority also said. That’s “textbook” sex-based bias, Judge Roger L. Gregory said. Chief Judge Albert Diaz, Robert B. King, James Andrew Wynn, Stephanie D. Thacker, Pamela A. Harris, Toby J. Heytens, and DeAndrea Gist Benjamin joined.
Private attorneys for North Carolina’s employee health plan didn’t immediately respond to a request for comment.
Dissents Abound
Judge Julius N. Richardson, in a dissent joined by in full by Judges Judges J. Harvie Wilkinson III, Paul V. Niemeyer, and A. Marvin Quattlebaum Jr., and in part by Judges G. Steven Agee and Allison Jones Rushing, said “today’s result oversteps the bounds of the law.
“The Equal Protection Clause does not license judges to strike down any policy we disagree with,” Richardson said. “It instead grants the states leeway to tailor policies to local circumstances, while providing a carefully calibrated remedy for truly illicit discrimination.”
“No such discrimination appears in these cases, he said. The decision was “a defeat for the rule of law,” Richardson said.
In a separate dissent, Wilkinson asked why there is a “rush” to create a substantive 14th Amendment “right to transgender surgery underwritten by the State.”
“This is imperial judging at its least defensible,” Wilkinson said.
Quattlebaum, also in dissent, argued that the majority bent the rules of evidence with respect to proof of medical necessity and efficacy to reach its result.
The court, sitting en banc, heard oral arguments in Richmond on Sept. 21.
These were the first cases to put coverage questions before a full federal appeals court, and the outcomes could influence future decisions affecting trans rights in the health-care arena.
Lambda Legal Defense & Education Fund Inc., Transgender Legal Defense & Education Fund Inc., McDermott Will & Emery LLP, and HWG LLP represent the North Carolina plaintiffs. Bell, Davis & Pitt; and John Knepper of Cheyenne, Wyo., represent the defendants.
The case is Kadel v. Folwell , 4th Cir. en banc, No. 22-1721, 4/29/24.
To contact the reporter on this story: Mary Anne Pazanowski in Washington at [email protected]
To contact the editor responsible for this story: Rob Tricchinelli at [email protected]
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Business plans were born in the mid-20th century, but it was in the 1970s, with the rise of the entrepreneurial sector, when the need to develop them became popular and grew. Today it is a widely used resource that improves the chances of success of any company. Therefore, we know that this selection of business plan books will be very useful for our community interested in its elaboration.
a business plan are; how they read it; and what things different members of the audience will be looking for. The task of writing a business plan is a lot easier if you have a template that can be tailored to the specific needs of your business. Chapter 2 provides one. Also explained is how to design and present a business plan to maximise the ...
69 The Most Common Mistakes Made When Writing a Business Plan 69 Additional Tips for Writing a Solid Business Plan 70 Advice from the Pros 70 Examples of Numerical Data 73 12. Finding Finance ... 80 Ledger Books 80 Monthly Net Profit 81 Profits 81 Taxes 81 Advice from the Pros 82 14. Naming Your Business (or Product) and Other Tasks Before ...
praise for successful business plan v " In December 1991, I came upon the book Successful Business Plan: Secrets & Strategies. It is the closest to what I know works in the real world, at least in high-tech industries. " — Barb Tomlin, e-Business Strategy Consultant and President/CEO, Westward Connections, Inc. "
Chapter 1 - Developing a Business Plan. Chapter 2 - Essential Initial Research. Chapter 3 - Business Models. Chapter 4 - Initial Business Plan Draft. Chapter 5 - Making the Business Plan Realistic. Chapter 6 - Making the Plan Appeal to Stakeholders and Desirable to the Entrepreneur. Chapter 7 - Finishing the Business Plan.
Start with a cogent and concise one sentence statement of the business idea. A sentence that is so clear and appealing that the reader can immediately visualise or 'see' the business. You can then go on to describe: The market at which you are aiming. The specific benefits offered by your product or service.
Our free business planning workbook (PDF) is designed to assist entrepreneurs like you in creating a well-structured and comprehensive business plan. This workbook provides step-by-step guidance and exercises to help you gather and organize the necessary information for your business plan. It covers each of the key aspects of business planning ...
Step-by-step advice on preparing a business plan You need a sound business plan to start a business or raise money to expand an existing one. For over 30 years, How to Write a Business Plan has helped fledgling entrepreneurs—from small service businesses and retailers to large manufacturing firms—write winning plans and get needed financing. This bestselling book contains clear step-by ...
This book provides a practical step-by-step business planning process and a reference for the tools and techniques necessary to complete it. It begins with an overview of a typical business plan and the remaining chapters correspond to the stages of the business planning process described in Chart 1.1 on the next page.
By: HBS Press, Harvard Business School Press. Every entrepreneur is encouraged to write a business plan; those who don't quickly learn that future operations can be derailed without a cohesive printed mission and that obtaining outside funding…. Length: 43 page (s) Publication Date: Oct 30, 2004. Discipline: Entrepreneurship.
III TABLE OF CONTENTS About the Author Tim Berry has also written On Target: The Book on Marketing Plans (in 1999, co-authored with Doug Wilson), CPA's Guide to Business Planning (published fi rst in 1998 by Harcourt Brace, republished by Aspen Publishers, and now in its fi fth edition, published by Palo Alto Software), as well as several other books
An illustration of an open book. Books. An illustration of two cells of a film strip. Video An illustration of an audio speaker. ... Preparing effective business plans : an entrepreneurial approach by Barringer, Bruce R. Publication date 2009 ... Pdf_module_version 0.0.18 Ppi 360 Rcs_key 24143 Republisher_date ...
MASSACHUSETTS SMALL BUSINESS DEVELOPMENT CENTER NETWORK BUSINESS PLAN GUIDE A structured guide with worksheets to assist you in the development of your business plan, financial projections, and operating budget. Adapted from materials written by Donald J. Reilly Southeastern MA Regional Small Business Development Center 200 Pocasset Street
Suggest an edit to this book record. Fundamentals of Business, 4th Edition is an open education resource intended to serve as a no-cost, faculty-customizable primary text for one-semester undergraduate introductory business courses. It covers the following topics in business: Teamwork; economics; ethics; entrepreneurship; business ownership ...
Describe Your Services or Products. The business plan should have a section that explains the services or products that you're offering. This is the part where you can also describe how they fit ...
Business Plans Handbook is a collection of business plans compiled by entrepreneurs seeking funding for small businesses throughout North America. These plans provide examples of how to approach, structure and compose a business plan. Each Handbook presents 20 sample plans taken from businesses in the manufacturing, retail and service industries - only the company names and addresses have been ...
The complete book of business plans : simple steps to writing powerful business plans ... Powerful guidelines to writing a winning business plan -- 101-plus questions to personal and business success -- Sample business plan -- Forward Tech, inc -- Company overview -- Product and service description -- Market analysis -- Marketing and sales ...
Lean Business Plan Template PDF. This scannable business plan template allows you to easily identify the most important elements of your plan. Use this template to outline key details pertaining to your business and industry, product or service offerings, target customer segments (and channels to reach them), and to identify sources of revenue.
A well-crafted business plan generates enthusiasm for your idea and boosts your odds of success--whether you're proposing a new initiative within your organization or starting an entirely new company. "Creating Business Plans" quickly walks you through the basics. You'll learn to: (1) Present your idea clearly, (2) Develop sound financial plans, (3) Project risks--and rewards, and (4 ...
A GUIDE TO WRITING A BUSINESS PLAN HANDBOOK. April 2021. Authors: Rafiu Olaore. Youths Enterprise Development and Innovation Society (YEDIS) References (11) Content uploaded by Rafiu Olaore ...
This The Complete Book of Business Plans: Simple Steps to Writing Powerful Business Plans having great arrangement in word and layout, so you will not really feel uninterested in reading. ->>>Download: The Complete Book of Business Plans: Simple Steps to Writing Powerful Business Plans PDF ->>>Read Online: The Complete Book of Business Plans ...
A $1.7 million funding package for the project came from a variety of sources. Reed secured a $1 million federal earmark in 2022, and Whitehouse secured an additional $500,000.
The complete book of business plans by Joseph A. Covello. Publication date 2006 Topics New business enterprises -- Planning., New business enterprises -- Finance., Proposal writing in business. Publisher Sourcebooks ... EPUB and PDF access not available for this item. IN COLLECTIONS
The Individual Disability Exemption Plan (IDEP) is available for individuals who have disabilities or health conditions that prevent them from using transit. IDEP can be applied to a vehicle registered to the applicant, or to a vehicle registered to a person the applicant designates, such as a family member or a caregiver, if they use that vehicle to drive the applicant in the Congestion ...
An effort to give Trump more say on rates . This week, investors had planned to examine the latest inflation data, due out at 8:30 a.m. Eastern on Friday, for clues about when the Fed would start ...
The travel and tech firm is launching an 'Icons' program, letting users book a visit to a comedy show with Kevin Hart, a night at the Ferrari museum, or a stay in fictional locales.
If a proposing small business concern plans to submit assertions in accordance with DFARS 252.227-7017 Class Deviation 2020-O0007, those assertions must be identified and assertion of use, release, or disclosure restriction MUST be included with your proposal submission, at the end of the technical volume.
Anti-armor and Small Arms • More than 10,000 Javelin anti-armor systems; • More than 90,000 other anti-armor systems and munitions; • More than 9,000 Tube-Launched, Optically-Tracked, Wire-Guided (TOW) missiles; • More than 35,000 grenade launchers and small arms; • More than 400,000,000 rounds of small arms ammunition and grenades; • Laser-guided rocket systems and munitions;
Two states' health plans' blanket coverage exclusions for gender-affirming care are unconstitutional, the full Fourth Circuit said Monday. A North Carolina state employee health plan violates the 14th Amendment's equal protection clause by refusing to pay for medically necessary gender-dysphoria treatments, a slim majority of the US Court ...