#3 statement financial model | Explore Tumblr Posts and Blogs

onealmohr6 · 2 years

Text

Prosperous Startup Restaurant Business Plans

The procedure for opening a cafe from start in order to finish may be, in addition to should be, an arduous one. It needs a good deal of exploration and determination, in addition to it can easily get overwhelming. Often clients ask, "What should I become doing? " Is actually the right query, but not quickly answered. Why? There is a whole array involving things that must be done simultaneously inside opening any business, but especially one particular as complex like a restaurant. So, where do you start? Where to start is with an idea, associated with course. Without 1, it's like shooting from the cool. Just trusting your own instincts is the recipe for failing. "If a person understand where you're heading, you are not likely to get anywhere worthwhile. " Therefore you begin with a business plan, an established foundation of good results as well as the road map to your dream becoming reality. Some sort of quotation worth knowing how and putting straight into practice is, "Failing to plan will be planning to fail" from your 7 Routines of Highly EffectivePeople, Stephen R. Covey). Let's outline a couple of important steps necessary to produce a successful business plan: one You must have an idea of the type of cafe you need. business plan financial template means coming up with a well-thought-out principle, visualizing it together with graphics, and describing in writing. Your whole business plan will evolve from this kind of: how to bring that dream cafe to life; precisely how to provide the unique personality; and what makes it various from other dining establishments. 2. Study effective restaurants as a way to come up with a model best suited what you have got in mind. An individual copy them, merely determine why you think they will be successful. Could it be their food? Can it be their own friendly service or atmosphere? Probably it will be just about all three, fitting jointly to form some sort of total concept: good food, prompt plus attentive service, and even a comfortable, when not unique, atmosphere. I like to use the example of a three-legged milking stool to drive this time home. If one leg is usually weak, then the whole stool is certainly weak and collapses, hopefully avoid you on it. When I suggest learning from observing other productive restaurants, keep this specific thought in your mind. The restaurant idea should be uniquely the one you have. Combine the best parts of other prosperous restaurants into the own creative variation of what you need. Possibly it's the particular service and exclusive food presentation that you have enjoyed at 1 restaurant, or the decor theme at another. Blend almost all the elements that you feel make those restaurants productive into your very own total concept associated with food, atmosphere, plus service, and you will probably include created your very own original. First, create an outline involving what your business plan will include. Keep in mind, BE SPECIFIC! Publishing an enterprise plan causes you to definitely think by means of where you happen to be going, how you plan to make it happen, and it is a tried in addition to true road map in order to success. By organising your thinking, a person are more able to translate your feelings to paper (or your computer screen) and even watch a strenuous plan of action commence to take kind. THE ORGANIZATION PLAN The Executive Summary: Your own Executive Summary should be brief in addition to two-fold, containing: one. ) A well-thought-out, condensed version regarding the business strategy, a blueprint inside of developing your cafe concept. 2. ) The executive overview offers a banker, or potential investor, an insight into the considering and an meant promise for revenue. Condensed also to typically the point, the executive summary gives your current potential investors the utilization of of the company plan without needing to break down the entire report, and creates an instant interest to examine further. The Firm Structure: Describe the particular legal business enterprise that you have got selected to perform your business. Your scrivener and lawyer can give you advice based upon your personal circumstances. Restaurant Service Groups: How will you deliver in order to the customers? Are you thinking of desk service, with a new wait and bus staff, or the particular limited staff associated with fast-food or fast-casual service systems? Your current service concept can determine the certification required from the personnel you will employ and the spend scale appropriate to each. Service: Precisely what attitude and persona should your services staff display? How will they interact with your clients? From behind a new counter, in some sort of fast food placing, or up close and personal, taking and bringing orders immediately to the stand with a smile. Good service, and also a pleasant attitude of your wait staff proceeds a long way in bringing the customers back. Food selection: Write out the menu. Be specific, with a detailed description regarding each menu piece and projected pricing. Explain las vegas dui attorney have got selected the menus items and exactly how they relate to your service system. Setting up a Caesar salad table-side does not job in a take out eating place. The menu and even your service program are the groundwork of your diner. Customer Profile: Inside this section, you may describe your concentrate on customers, clarifying that your target market potential customers are: their grow older, sex, income, career, marital status. Current as clear the profile of your focused customer as you possibly can, along with a sharp attention to demographics. Write out what you believe it is, then support your guess with facts to compliment how you understand the demographics. Opposition: What are other restaurants inside the immediate area of your location? Precisely how does your concept for food, assistance, decor, and atmosphere differ from these people? Which types of restaurants performing the best business? Online strategy: Outline your marketing strategy, point by stage. Show how this meshes with the concept. A account of your target audience is essential, especially typically the specific market inside an one- in order to three-mile radius regarding your restaurant spot. By adopting some sort of hands-on, personalized approach in your marketing and advertising efforts, you may avoid the needless expenses of a mass media campaign. Location, Spot, Location: Explain las vegas dui attorney chose the spot of your respective restaurant and why you feel this is best-suited to attract customers. Highlight the important demographics of the location, and even why the menus, theme, and decor closely match typically the profile of your target market. Control: List the owners/partners of your business along with the percentages each will receive. Define what role they will play in the company and include their resumes. The bank will definitely desire to see the financial statements associated with each, and the past two years' taxation statements. Management: State in more detail what your supervision strategy will be. Will the principal owner, or users, function as standard manager or can you hire the experienced GM? No matter what works, as lengthy as you, the master, are focused on doing the right things, and being sure that your manager is performing things right, that is, those things that will make an eating place profitable. State typically the key positions of the management team. Operational Systems: Define your operational systems, typically the navigational instruments in addition to rudder of your current great ship. They set the study course, steering the ship over a straight plus smooth course. How will you guarantee training, consistent continuing operations, and effective controls? This need to be summarized in your Strategy. Economic Requirements: Captivate economic requirements in 4 primary areas: one. Construction build-out cost per square Feet 2. FF&E (furniture, fixtures & equipment), including the decor package-pictures/paintings, etc. three or more. Professional fees: legitimate, accounting, architectural, licenses, permits, and miscellaneous fees 4. Working capital: enough for starting inventories, pre-opening expenditures such as training, and staying power when the business revs up. Interior Ground Plan and Height Renderings: With this part of your business plan, you will need to give a floor approach and elevation making of your restaurant. Sales, Profit and Loss Projections: This section should show, in spreadsheet format, sales projections, which happen to be critical to establishing a budget. The amount of rent, foodstuff costs, and labor costs subtracted by sales will identify the majority of your final conclusion. In the event that you will study and research each of these steps, and follow this business program outline, you may learn the data needed to give an individual the best chance for success. Tom Wilscam's book is the wonderful source of any individual wanting to observe how a startup cafe consultant can aid for making their cafe a hit. The approach he presents the information is intriguing and easy in order to understand. The book is well-organized, well edited and effectively developed. The handle is eye getting.

#business plan financial template #startup business plan #financial business plan #business plan startup #3 statement model excel

1 note · View note

imaginedreamwrite · 18 days

Text

Like No One Does

Part 3: Take Me By The Hand

The pitiful image was burned into your mind, the statement that was such an anxiety producing point in your life. The account number that was on the top of the statement might have well been ash and dust—there was no need for it to be as mocking as it was. The bare bones of your bank account had rendered a familiar feeling of you struggling to comprehend and take care of your parent's house.

At least when you weren’t in the hospital, or when you weren’t in Danah’s house pretending like you weren’t one additional bill away from being flat broke. Your parent’s terminal sickness had already been the starting point of anxiety for you, but then to add insult to injury was your extended family’s inability to care.

If it wasn’t for the Levinson’s you would’ve been homeless at 16. You were already an orphan at 16, with no extended family who cared. And adding homelessness to your decrepit standing wouldn’t have been a far fetch. But the Levinson’s, they saved your life. Danah was your best friend, Mrs. Levinson was your second mother, Mr. Levinson your second father.

And Ari…

Ari Levinson was a stronghold you didn’t know you needed, he was a stalwart support system that you didn’t deserve but received anyway.

Maybe that’s why you were so nervous as you waited for him to pick you up. You’d accepted a job offer from him to become his new assistant/secretary, and you had quit your jobs like he wanted you to. You had completely freed yourself to be his assistant and accepted a job that paid enough for you to not just survive, but thrive. This job would give you incredible benefits and health insurance that you wouldn’t have been able to afford otherwise.

Of course, Ari insisted that you required more or better clothes for this job. And you couldn’t have even pretended to argue with him because you knew it was true. You had no appropriate clothes for this job, even if you hadn’t been struggling as you were, there was a certain expectation he had. Or likely had.

“Empty bank account would be better than this.” You crumbled the paper in your hands and tossed it aside, the wrinkled and discarded statement landing somewhere in your dismal place.

With it departing you by your hand, you had turned your attention to the window on your right. You had been watching the window for Ari’s vehicle, not only not wanting to keep him waiting, but knowing that this neighbourhood wasn’t the greatest. And Ari’s didn’t deserve to spend more time in this hellhole than necessary.

“You should move in with my sister, princess. Or move in with me, I’d be a good roommate.” Ari had brought up that particular argument many times over when you would talk, and every time you would let your stubbornness get in the way.

“Danah has her dance studio, and even if she didn't, I’ll be fine.” You denied Ari and you denied Danah, as often as you could.

Your bank account may have been in the red, but at least you had paid rent, insurance, and utilities for your apartment. You might not have had any money, currently, to your name, but you had necessities in your place to eat and not go hungry. However, there was the increasing desire to want more, and that desire pushed you to accept Ari’s offer.

At the very least, you would be able to pay off your parent’s medical bills easier, you’d have good health insurance, and you could save enough to move to a new place. You could potentially afford to get a newer car that didn’t seem like it was running on it’s last rusted bolts. At the very least, this job would be able to give you more of a financial pillow.

“Princess, let’s get going!” Ari’s voice filtered from the street below, and it was a look out the thin glass that made your heart race at the sight of him.

Wearing a plain white v-neck shirt with a leather jacket and a pair of dark wash jeans, he looked like a massive yet ethereally gorgeous runway model. It was unjust how attractive Ari Levinson was, and how easy you could get irritated at him—for seemingly just being beautiful.

“Don’t make me come up there!” He had leaned against the side of his car, something sleek and black, with his arms crossed over his chest. Covering his eyes was a pair of mirrored aviators, which you wouldn’t have liked on anyone else, but on him, they looked good.

Through the thin glass you waved, once, and then stepped back. You grabbed your cheap second hand purse and your phone, on the verge of breaking and couldn’t hold a charge. Once you had your things, you slipped your shoes on and left your apartment, locking the door behind you, before you headed down the stairs.

You pushed on the main door to the building and stepped onto the sidewalk, watching him watching you from across the street. Your feet carried you with purpose, and your fingers tapped against your palm in a rhythmic dance to quell your nerves.

“Baby,” Ari spoke to you, his voice deep and husky, and his blue eyes fixated on you with wholehearted anticipation, “I was about to come up and grab you. Get in the car, hertzeleh.”

You paused and looked at Ari when you were just a foot away, your neck craned to be able to look into his eyes. With his casual yet striking clothing choice and his endearing smile, it was almost impossible to understand why he was currently single. The women he had spent time with and slept with in the past had all been flings, by his account and his claims, yet none had managed to win the bachelor over.

“What does that mean?” You asked him with a soft voice, walking around the front of the vehicle to the other side and as you got into the passenger seat, you took notice of the box on the centre console.

The food distracts you from Ari not telling you what he called you, although given his track record, it must be something sweet.

“Food, sweetheart. For you.” Ari climbed into the driver’s seat and lifted the glasses from his face to set them on the dashboard. “Ma sent your favourite and I picked up coffee for you.”

“Ari, you didn’t have to.” The iced coffee sitting in the cupholder came from one of his parent’s Jewish bakeries, and it was your absolute favourite combination.

The hazelnut blend mixed with a dash of cinnamon and whipped cream was your go-to whenever you and Danah went. And as for the breakfast, you could only imagine what food Mrs. Levinson made Ari bring you.

“We have a full day ahead of us.” His cordial smile and pleasant tone were nothing new to you, nothing you hadn’t expected from him. It was only natural for Ari to be the kind of man who was firm and levelheaded, yet tough when it came to business, and a giant teddy bear when it came to family and friends.

“A full day? How long can it take to go clothes shopping?” You scoff and turn away, biting into the delicious flaky Jewish pastry. As you get a few pieces of the sugared crispy top stuck to your lips, Ari’s laugh fills the void—and his thumb brushing the pieces off sends shivers down your spine.

“Princess, your ass is mine from right now until I drop you off at your new apartment.” The sudden bombshell announcement nearly makes you choke on your food, and you find yourself sputtering to catch your breath.

You turn your head and stare at him, eyes wide and lips parted in shock. You seemed completely mind blown by this revelation, although to your shock, Ari simply cups your chin and closes your mouth.

“Buckle up, hertzeleh. I mean it.” He leans away from you and his broad shoulders touch the driver's seat, and then he winks at you. “Your sass-pot ass isn’t dying today.”

“You don’t get to slide by the fact that you said new apartment, Ari Levinson.” You set the pastry down and wipe your hands, steeling your gaze.

He’s ignorant to you, or maybe just ignoring your stare and your tone. Whatever he’s doing, it doesn’t bother him and more than that he seems to smirk. Even though he’s not looking at you, and he's slipping a pair of aviator sunglasses on, you can tell he’s rather pleased with himself.

“Ari Levinson—“

“Cut the attitude, baby girl.” His smirk only grows, and he reaches out to tap your knee. “You eat first, and then we’ll talk.”

“No, we’ll talk now.” You shift in the seat to face him more head on, as far as the buckle allows, and then you tuck your chin to your chest. “What the hell are you talking about? New apartment?”

He doesn’t answer you immediately, though you doubt he’s at a loss for words. Rather, it's all part of his ploy, of his plan to control the conversation, simply because he can. After a moment, Ari finally speaks and when he does, he tips his head, conveniently stopped at a red light.

“It’s part of the contract, sweetheart.” He flashes you a grin, one that’s convinced countless women to fall into his bed—but it just annoys you.

“I didn’t sign a contract, Ari.” You enunciate his name with force, your jaw ticking as you briefly grind your teeth. “And I don’t need a new apartment.”

“It’s part of your benefits, Y/N. You don’t need to be so stubborn all the time, little bug.” Damn him and damn the way his voice eases you, regardless of how much you want to smack him. “It’s got everything you want.”

“Oh yeah? Like what? What does this new apartment have that mine doesn’t?” You want to challenge him, you want to fight with him because if he thinks he can tell you what to do with your place…

“For one, honey….” Ari’s hand reaches for yours, and he squeezes lightly, drawing out a soft huff from you. “…no one’s been shot in the building. Or stabbed.”

You roll your eyes and almost wish you could have defended the building, but you couldn’t. Truthfully, it felt like every time you went into that place, or even near it, you were risking something. You knew it yourself that you needed a new apartment, but the fact that you couldn’t afford one was holding you back.

“Ari—“ you start to protest again, finding yourself unable to raise much of an argument when his hand touches your leg. His fingers spread above your knee as he squeezes lightly—telling you nonverbally that you don’t need to be so stubborn and let him do this for you.

After a minute of silence, he speaks, like what he says would be the final nail in the coffin. “It’s in the Lexington, sweetheart.”

And you suppose it is. The Lexington was a building you’d always wanted to live in, a place inside the city that seemed to be so improper. The building itself was brick and mortar, but there were these marble-esque pillars that stood outside the front entrance. They were like guards over the building, and it had given it such an aged yet fresh feel to the place.

The apartments inside were just as beautiful as the exterior with rich dark hardwood floors, private balconies that overlooked the park. Each apartment had onsite laundry, which would’ve been a selling point on its own; however, the bathroom would’ve been your convincer.

You’d seen pictures of the bathrooms on the rental site, and you’d been amazed from the beginning. Each apartment had a large two-person soaker tub with clawfoot details and had a seamless view to the outside world. The window let in natural light that made the whole room seem otherworldly. It was a big draw to why you’d only wished to live there, meanwhile the causality of being unable to always boiled down to money.

The rent alone was more than you’d make in 6 months, and it never seemed to be in the realm of possibilities for you. The Lexington was always unreachable, it felt as far from you as the castle you’d dreamed of as a child. It was a noble or even tender dream, but it was never within any realm of reality.

“Ari, you can’t just get me an apartment, or pay for an entire new wardrobe. Or…” you wanted to continue listing off reasons why he didn’t have to spend all this money on you, or why he didn’t have to put in the effort.

You were a grown woman, and he was your best friend’s brother. He didn’t owe you anything, and you weren’t going to take advantage of his time or money. You knew the entire Levinson family was generous, they’d taken you in when you had nothing, when you had nowhere to go. But that was over now, yes Ari had offered you a job, but he didn’t owe you more.

The job was enough. The job would make you capable of paying off the debts from your parents' hospital bills and funerals. You’d be able to pay it off on your own, you didn’t need him to do anything for you.

“Ketzeleh,” he squeezes your knee again, briefly splitting his attention between the road and yourself, “I’m not asking, I’m telling.”

“I’m not sleeping with you.” It slips from your mouth before you can stop it, the irrevocable sentence unable to be retracted. You feel stupid for a minute, like a fool for saying what you had. At least until you hear Ari’s deep rumble, the husky laugh that fills any minute slip of silence.

“Ari, I mean it, I’m not sleeping with you.” You cross your arms over your chest, your lips pressed firmly together. “I’m not going to be one of those girls that falls into your bed.”

“Of course not, baby.” He removes his hand from your knee and rests it on your cheek. “You’re too strong for that, right?”

You roll your eyes and smack his hand away, huffing poignantly. You retain the silence and draw your attention back toward the pastry Ari’s mother sent for you. It remained half-unfinished during the conversation, and you pick it up again to finish it. You shift away from him back to your original position and sink your teeth into the flaky dessert, ripping a piece off.

Ari has leagues of women falling at his feet. He’s Boston’s most eligible bachelor, and no one woman has been able to hold him down. Although they’ve tried, all he seems to want to do is sleep around and have everything be temporary. You’d seen some of the women he’s messed around with, all of them beautiful and striking and modelesque.

You, on the other hand, had few relationships. You didn’t have an opportunity to have relationships, not when you were made an orphan. Not when you were saddled with a suffocating amount of debt that you had to pay off.

“Ketzeleh, look at me.” Ari had finally stopped the car, parking in a private and gated lot for a series of expensive boutiques he was taking you to. “Ketzeleh…”

You raised your head and looked his way, your eyes searching his blues. He had unbuckled and turned to face you, the car still running and the faint sound of the radio in the background. Once you had faced him, Ari had reached out and brushed a piece of the fine sugar from the pastry off your cheek. His thumb grazed your skin and his eyes were solely on you. His voice was quieter than expected yet no less husky.

“You don’t need to ask, you don’t need to feel like this is an IOU situation. This is a gift, there is nothing you have to pay back.” His husky Boston accent had drawn an illicit shiver down your spine as he slowly leaned in and kissed your forehead. The moment was tender, and you were easily distracted by the feel of his plush lips on your skin.

It felt like you were 16 again, sitting in your dark room with nothing but candlelight. It was as if Ari were comforting you again, whispering to you that everything would be okay. You felt like that 16-year-old, scared and frightened for the future.

“You’re okay,” one hand wove into your hair at your nape while the other cupped your cheek, “you’ll be okay.”

#ceo!Ari Levinson #Ari Levinson x reader #Ari Levinson x reader fluff #Ari Levinson x reader angst #Ari Levinson x reader smut #ari levinson imagine #Ari Levinson imagine fluff #ari levinson imagine angst #Ari Levinson imagine smut #Ari Levinson imagines #Ari Levinson imagines fluff #Ari Levinson imagines smut #Ari Levinson imagines angst #best friend’s brother!Ari Levinson #like no one does #like no one does series #like no one does master list #like no one does part 3

84 notes · View notes

ecrivainsolitaire · 6 months

Text

Open Art Guild – Testing the boundaries of collective IP ownership

Experimental release: Dr. T’chem’s Office (authorised for personal and commercial use)

I’ll try to keep this brief (you can read the full thesis statement here) but as we all know, intellectual property law is broken. It’s being exploited from every side and art workers are more vulnerable than ever to automation, copyright theft and myriad other unforeseeable forms of theft from the proletariat. We as a collective need to come together and work towards the creation of a better future.

The Open Art Guild is my proposal for the first of many steps towards a far away but necessary goal: the eradication of intellectual property as it pertains to the arts. It’s based on the open source standard and the creative commons, and the goal is for us to start creating a future where we stop thinking of artworks as private property to hoard, and start sharing the responsibilities and the benefits of their creation with the collective. And as I am proposing the idea, I should give the first step.

Which is why I am announcing the release of my short story series, Dr. T’chem’s Office, into the Open Art Guild license. This is an episodic HFY comedy series about the office hours of a sleazy yet well intentioned xenoanthropologist in charge of human integration into the crew of a spaceship, who happens to find them fascinating. You can read the first few instalments here:

The basics of the license go as follows: I’m giving any artist permission to use the assets of my artwork (in this case, settings, characters, plot lines and other unique concepts) both for personal use and for commercial use, provided they commit to crediting the original artist, giving away 30% of any profit back to the hands of the collective in the breakdown the guidelines specify, and giving the same license to any works they create derivative from this series. Any artist can join the Guild by remixing existing artworks in its database or voluntarily submitting their own works. For the time being this prototype model will have to rely on the honour system, but I have outlined the basic guidelines for a platform dedicated to facilitating the Guild’s business and income redistribution.

The purpose of this experiment is to test whether this system is financially viable, what modifications it needs, and how to enforce it. It’s also a way to study what the community thinks of this model. To summarise the implications, here are the pros and cons as I see them.

Pros:

- All fan art, spin-offs, third-party merchandise and other forms of adaptation become automatically authorised and monetisable, provided both the original artist and the remixer are active members of the Guild.

- All adaptations are automatically non-exclusive and must give away the same rights as the original, diminishing the incentive for massive corporations to try and scam an artist out of their intellectual property.

- It effectively unionises freelance artists of all fields to balance out negotiations with non Guild entities.

- It encourages artists to continue their output in order to reap the benefits of the Guild, by using the redistribution system as an incentive, instead of the current status quo where artists are actively fighting market forces all by themselves in order to make enough time and resources to work on their craft.

- It provides a safety net where everyone is invested in the continuous welfare of everyone else, giving a sense of class solidarity and facilitating donations and shared resources.

- It motivates artists to invest in each other, as the growth of one means the growth of the whole Guild.

- Eventually, if the project succeeds and the proposed platform comes to exist, it would effectively create a universal basic income for all Guild members, as well as a self sustained legal fund to protect their assets from IP theft by non Guild entities.

- It will give you complete control over whether your art can be used for AI dataset training, on an opt-in, post-by-post basis, so you don’t have to wonder who might be stealing it. If the platform is created, all works whose creators have not authorised to be used for this will have data scrambling features to make sure thieves can’t use them.

Cons:

- It will require all Guild members to permanently renounce to 30% of their profit, in order to build up the funds and distribution system.

- It will have to be built entirely on trust of the collective, at least until a platform can be established, which may take weeks or may take decades depending on lots of unpredictable factors.

- Leaving the Guild will require all artworks shared with the collective to become Creative Commons; once you renounce your right to monopoly of your IP, it’s permanent, no way to go back. This is necessary in order to prevent asset flippers and other forms of IP scabs to join the Guild, extract other people’s assets and then scram.

- Due to banking regulations entirely out of our hands, some artists will have participating in the redistribution. If the platform ever becomes a reality, one of its main goals will be to remedy this immediately.

This proposal requires a high cost, but it provides an invaluable reward. If the system works, it will empower all artists to profit from their work and protect it as a collective. If it doesn’t, all that will have happened is that you will have created a lot of Creative Commons art, which financially isn’t ideal, but artistically is extremely commendable. Even in the worst case scenario, corporations will not be able to hold your art hostage with exclusivity deals. To me, the benefits vastly outweigh the costs, but I do want to emphasise: there will be costs. This is an effort to subvert the entire way art has been monetised since the 1700s. It will require a lot of work, a lot of people, and a lot of time, to make it work. But I believe it can work. If you believe it too, you are welcome to join the Open Art Guild.

Please do read the guidelines for the Guild and the guidelines for the platform before you start creating, and give me whatever feedback you have. If it’s good, if it’s lacking, if I’m overstepping legal boundaries, if you can find loopholes, anything. I tried to make it airtight but I’m not a legal expert. This is not my project, it is a project for the proletariat. Everyone should have a say on what they’re signing on for. And regardless of what you think, share it with all artists you can. This will only work if as many people as possible participate.

Doctor T’chem’s Office’s license

This work has been released under the Open Art Guild license, and has been approved for reuse and adaptation under the following conditions:

For personal, educational and archival use, provided any derivative works also fall under a publicly open license, to all Guild members and non members.

For commercial use, provided redistribution guidelines of the Guild be followed, to all active Guild members.

For commercial use to non Guild members, provided any derivative works also fall under a publicly open license, with the explicit approval of the artist and proper redistribution of profit following the guidelines of the Guild.

For non commercial dataset training of open source generative art technologies, provided the explicit consent of the artist, proper credit and redistribution of profit in its entirety to the Guild.

Shall this work be appropriated by non Guild members without proper authorisation, credit and redistribution of profit, the non Guild entity waives their right to intellectual property over any derivative works, copyrights, trademarks or patents of any sort and cedes it to the Creative Commons, under the 4.0 license, irrevocably and unconditionally, in perpetuity, throughout time and space in the known multiverse. The Guild reserves the right to withhold trade relations with any known infractors for the duration its members deem appropriate, including the reversal of any currently standing contracts and agreements.

47 notes · View notes

minervamagicka · 9 months

Text

introduction / pinned post.

Howdy - I'm Maddie, but you can call me Minerva, minervamagicka or any of the three. I've been playing the Sims since 2010 and making CC for just about as long; though my current focus is Sims 4 equestrian-themed content in collaboration with my partner in crime, Schrodcat, who you can find on DA. Both of us will have a hand in just about everything that is to be released on this tumblr & to DA.

cc master folders

I've reorganized my SFS into folders that I'll be linking below for folks to refer to when searching for my CC. If you'd rather get everything in one go, this is the easiest way to do it!

Click here to view the SFS folder for all of my SIMS 3 content.

Click here to view the SFS folder for all of my SIMS 4 content.

These folders (or, well, just the TS4 folder) will have all of my CC added to them as its' released so they'll always be up to date!

p.s. if any creators would like an SFS code please message me!

donations

I'm not going to proselytize too much concerning my stance on modding and financial compensation here, as it could be an essay in and of itself. What it comes down to is this; everything I ever post for download will always be and always shall be 100% free. It will never be paywalled, hosted behind an ad.fly link or for purchase. However, for those who may want to buy me a coffee so I can fuel my caffeine addiction and keep posting at the speed of sound;

My Ko-Fi & SchrodCat's Ko-Fi / SchrodCat's Patreon

Again; financially supporting one, either or both of us will not grant access to anything exclusive or tangible beyond our gratitude. Additionally, donating with suggestions or requests will not mean those ideas will be automatically fulfilled as if they were a commission. This is just if you wish to express some thanks and get us some drinks!

requests / 'can you do xyz?'

I'm always happy to receive any requests or suggestions for what to release next, however me & S already have quite the list of personal ideas we want to get through first. Therefore, any requests we get will be secondary to those until we finish.

'what are you working on right now?'

S & I have set up a proper Trello board to track our progress on our original meshes & game conversions. You can view it here!

'how can i learn to mod?'

My friend Schrodcat wrote an excellent DA post on this topic with links to resources & some very solid advice on getting into CC creation or modding in general.

'you didn't make [xyz game model], how dare you convert it to the sims?!'

As I've seen an uptick in off-site concern over my [Game]toTS4 conversions, I'm adding this disclaimer to my pinned post that I do not convert models for profit, and I do so transformatively and as a fan of the original work. If it continues to bother you that I do so without the explicit permission/support of the games I port from, I kindly ask you to not engage and to leave my blog.

To learn more, I recommend reading my initial statement on my SSO ports, or, if you're interested in learning more about my stance on modding and my belief in the 'moral economy' of modding in general, this published journal covering the subject may of interest, or this journal article explicitly discussing the use of copyrighted material in modding.

🎊 latest release

→ [MMxSC] Loose Ring Snaffle Bridle

#pinned post #ts3 #ts4

61 notes · View notes

dolores-slay · 10 months

Text

The Witcher season 3 conspiracy theories on both sides seem a bit unrealistic to me tbh. I don't like Cavill, never did, but 'questionable vibes' (and dumb statements) don't instantly equate him being this supertoxic gamerbro who made it hard for everyone on set so they HAD to let him go. At the same time, he's a Hollywood A-lister, who maybe figured out that this prolonged passion project role in a (let's be real) fairly niche fantasy show wasn't in his financial best interest anymore. According to book readers (I'm a partial book reader so far) the season is fairly faithful to the books (and just-in-case reminder that the games entirely take place after book canon, so staying 'true to the games' is a non issue), so I'll hazard that he did not heroically step away or was fired bcs he just loves the source material too much to tolerate it being desecrated or smthn.

Chances are neither of these scenarios took place, and the truth is far simpler and more boring and has entirely to do with stuff like money and production cycles, maybe even problems with the streaming model in general.

Can't help but notice what may be a coincidence, that notable recent tv shows with Hollywood A-listers in starring roles were mostly released on an episode-per-week basis. And TW itself split the 3rd season into two parts. So I wonder if the unsustainability of streaming binge model showmaking is cracking major time and it's adapt or die now. I for one won't mourn its demise.

#the witcher #witcher netflix #personal musings pls don't yell at me #I like this show I hate shitflix I am mostly ambivalent to HC #but some things smack of conspiracy theory thinking

9 notes · View notes

kmsarchive · 11 months

Text

MBC 넘버스: 빌딩숲의 감시자들/Numbers: Guardians of the Building Forest Character Description (Myungsoo & Sungyeol) and Character Relationship

Jang Howoo (cast Kim Myungsoo)

Taeil Accounting Firm Deal Part New Staff (New Accountant). A high school graduate accountant.

He is the first and only high school graduate accountant to join Taeil Accounting Firm, the best among the big 4 accounting agencies in the country.

Brilliant memory and observation skills. Not only does he have a good sense of numbers needed by an accountant, he also has excellent adaptability which is hard to find among ordinary accountants.

Believes nothing is more important than people in this world.

This is because he thinks it is people who engraved numbers on financial statements, and it is also people behind those numbers.

As any 20 year-old, he is not interested in what others are doing but when he feels something is not right, he’ll stop at nothing. He has a strong sense of justice that he dreamt of becoming a policeman.

He started taekwondo and boxing at a young age with the aim to protect his grandma and grandpa, but is now on athlete-level.

Once he sets his mind on something, he makes it possible by doing what he can because he has his passion and cheekiness.

He is never awkward in situations with strangers because he has grown up moving [from one place to another] dozens of times and being among adults.

Affability and sense of humor are Howoo’s know-how to overcome stress.

And he also has manners and respect for people.

He is a nice young man whom anyone would want as a son or son in law when they see him even just once.

Shim Hyungwoo (cast Lee Sungyeol)

Taeil Accounting Firm Deal Part Director

Because he is considered as Han Jekyun’s right hand man, his promotion is faster than the number of years he worked.

He behaves as if he came in and out of Han Jekyun (?) [T/N not sure about this line?] that there is a theory that among the 3 characters that make up Shim Hyungwoo’s name, ‘Shim’ came from ‘right hand man’ [Shimbok]. That’s because he was able to become an accountant and finished his studies through Han Jekyun’s support. Han Jekyun’s first scholar. That’s Hyungwoo.

Hyungwoo’s father was a security guard at Taeil Accounting Firm. Hyungwoo grew up seeing his old father take off his guard hat and politely greet the young accountants. From the many accountant who passed by and ignored his father’s greetings, Jekyun was the only one who acknowledged his father. From then on, Hyungwoo wanted to become like Jekyun, he became a role model.

This is also the diagram of the character relationships~

Cheonja is also Howoo's grandmother based on her full character description. She opened the restaurant to feed the hungry, but her cooking skills sadly don't live up to this warm intention. Meanwhile, Inho apparently un-alived himself in front of Howoo as his business face financial difficulties (which he built with the desire to provide cheap and durable apartments as he knows what's it like to be homeless).

From here, also on IG 1 2 and Twitter 1 2. If you read through the complete description of each character you'd get more details~ Character chart also reposted on 230609 on Twitter & IG. *may no be 100% accurate

8 notes · View notes

skitariiposting · 1 year

Text

funct.print ("[statement] so. Just a little update on the imperator titan situation. I decided to sit down with the .stl files just to see what I'm working with. First off, most of them seem to be set up for a larger build plate, which is fine, I can cut most in half and just baaaarely fit them on a Mars 3. The problem is before I even do that there's already a funct. ton of models. Like holy shift so many models. I got like 4 or 5 sliced, just to see what I'm working with here and just those 5 added up to a little over 24 hours of printing. So when I say this'll be a long project, it's gonna be a long project.");

funct.print ("[optimistic] on the bright side, the poll I made is looking pretty positive, so if I did start the project, I know that at least at the beginning I'd have a couple people watching, which is a confidence boost. I wanna bring this up for people questioning the quality of the videos: I'm about to graduate as a Creative Media Production major. Producing high quality things is what I've spent four years of my life learning how to do and what I intend to do for the rest of my life to make a living. The question will be if it's entertaining or not, which I'm still worried about.");

funct.print ("[statment] I mentioned it in the replies, but if I started this project <and this is still a big if> I'd open a patreon to go along with it, because I don't think I can manage this project without a bit of support. One of the patreon rewards that I think would be cool is if you get the tier, I'll send you one of the pieces to paint however you like. No color scheme, no set amount of detail or quality, just paint it how you want to paint it. Scrawl your name in leadbelcher after painting it light pink for all I care, just no bare plastic. After I get everything printed, the patrons will send back their painted parts and then I'll assemble this big patchwork chaotic conglomeration of paint schemes and colors and we'll have a big art piece that the community helped to put together financially and physically. I've also been thinking more on the whole "giving me money" thing with patreon, and I have a morality thing I've reached a conclusion with. On top of paying for me to continue the project, any money I'd have left over that I didn't spend that month won't go to me. The budget will focus on the print first, video production second, helping with rent and groceries third, and then the excess past that. I'd feel guilty taking the excess money to pay for anything besides those three or four things. So instead, I'll use it to make donations to small upcoming creators in the community and artists, without sending it to the patreons for benefits or whatever. Just direct donations from my community to them. Because while yes money to buy more fun stuff for me is cool, I feel like if I'm taking money from the community, it's only fair I spend it on things for the community and give back to the community anything I don't spend.");

funct.print ("[statement] Now. I want to specify. This is all still hypothetical at this point. I'm still a college student living in their parent's basement with a part time job for three to four more months. While yes, I've been making connections with full time jobs, prepping for moving out again, <my roommate graduated, so I couldn't afford the dorm room anymore> and making plans, my future is not set in stone by any means. So, I'm not making promises that this is going to happen. More than anything I'm just sharing my idea to see if it's even a good idea and if there's anything I can do to improve it, or make it more enjoyable for people. So don't go holding this to me like it's 100% going to happen, it's just a project I'd love to do if I have the capability to. -Jerry");

#adeptus mechanicus #warhammer 40k #admech #skitarii #warhammer 40000 #warhammer #40k

7 notes · View notes

cannabisbusinessloans · 7 months

Text

A Comprehensive Guide to Cannabis Business Loans

The burgeoning cannabis industry presents a plethora of opportunities for entrepreneurs. However, navigating the financial landscape can be challenging. This guide aims to answer your pressing questions about cannabis business loans, from eligibility to alternative financing options, ensuring you are well-equipped to make informed decisions.

1. What are the Requirements for Cannabis Business Loans?

Navigating the requirements for cannabis business loans can be intricate, but a clear understanding of eligibility, qualifications, and loan criteria is pivotal. Lenders typically scrutinize several key factors.

Credit Score: A solid credit score is often a primary requirement. It reflects your creditworthiness and ability to repay the loan. Higher scores can lead to favorable loan terms and lower interest rates.

Business Plan: A comprehensive and well-articulated business plan is essential. It should outline your business model, market analysis, revenue projections, and operational strategy, demonstrating the viability and profitability of your venture.

Financial Statements: Lenders will assess your financial health through statements like balance sheets, income statements, and cash flow projections. These documents provide insights into your business’s profitability, liquidity, and overall financial stability.

Collateral: Securing the loan with assets can enhance your eligibility. Collateral can include real estate, equipment, or inventory, providing the lender with security and potentially lowering the interest rate.

Licensing and Compliance: Given the nature of the cannabis industry, ensuring that your business adheres to state and local regulations is crucial. Proper licensing and compliance documentation will be necessary.

Understanding and meeting these requirements can significantly streamline the application process and improve your chances of securing a cannabis business loan.

2. Which Banks Offer Loans to Cannabis Businesses?

Finding cannabis-friendly banks and financial institutions can be a challenge due to the industry’s unique regulatory landscape. While many traditional banks are cautious about engaging with cannabis businesses due to federal restrictions, several specialized lenders and credit unions have emerged to fill the gap.

Specialized Cannabis Banks: Some banks specialize in serving the cannabis industry, understanding its nuances and offering tailored financing options. These banks are typically more familiar with state regulations and industry-specific risks.

Credit Unions: Several credit unions have embraced the cannabis industry, providing a range of financial services and loans. They often have a community focus and may be more flexible in their lending criteria.

Alternative Lenders: Beyond banks and credit unions, alternative lenders can offer a variety of financing options. These lenders might be more willing to take on the perceived risks associated with the cannabis industry and offer more flexible terms.

State-Based Financial Institutions: In states where cannabis is legal, some local banks and financial institutions are more open to providing loans to cannabis businesses, as they are more attuned to state regulations and the local market.

Researching and building relationships with these institutions can help you identify the most suitable financing options for your cannabis business.

3. What are the Interest Rates on Cannabis Business Loans?

Interest rates on cannabis business loans can vary widely, depending on factors such as the lender, loan type, creditworthiness, and whether collateral is provided. Here’s what you need to know:

Variability: Given the perceived risk associated with the cannabis industry, interest rates can be higher compared to other industries. Rates can vary from single digits to upwards of 20%, depending on the specific circumstances of the loan.

Loan Type: Different types of loans come with different rates. For instance, equipment financing might have different rates compared to working capital loans or real estate loans. Understanding the cost associated with each loan type is essential.

Credit Score: Your credit score plays a significant role in determining the interest rate. Higher credit scores generally lead to lower interest rates, while lower scores may result in higher rates and more stringent terms.

Collateral: Secured loans, where collateral is provided, often have lower interest rates compared to unsecured loans. The value and type of collateral can also influence the rate.

Market Conditions: Economic conditions and market trends can also impact interest rates. Staying informed about the current economic climate can help you anticipate potential rate fluctuations.

Applying for a cannabis business loan involves several steps, and being well-prepared can significantly streamline the process. Here’s a step-by-step guide to help you navigate the application process:

Research Lenders: Start by researching and identifying potential lenders that specialize in cannabis business loans. Consider banks, credit unions, alternative lenders, and state-based financial institutions that are familiar with the cannabis industry.

Prepare Documentation: Gather all necessary documentation, including your business plan, financial statements, licensing and compliance documents, and any collateral information. Ensuring that your documents are accurate and up-to-date will facilitate a smoother application review.

Online Application: Most lenders offer an online application form for convenience. Fill out the form meticulously, providing all requested information. Double-check your entries for accuracy before submission.

Initial Review: After submission, the lender will conduct an initial review of your application and documentation. They may request additional information or clarification on certain aspects of your application.

Credit Check: A credit check will likely be performed to assess your creditworthiness. This will help the lender determine the risk associated with your loan and influence the terms and interest rate offered.

Loan Offer: If your application is successful, the lender will present a loan offer outlining the terms, interest rate, repayment schedule, and any conditions or covenants. Review this offer carefully and consider seeking legal or financial advice before acceptance.

Finalize Agreement: Once you agree to the terms, you’ll finalize the loan agreement. Ensure that you understand all the conditions and obligations before signing.

Funds Disbursement: After the agreement is finalized, the lender will disburse the funds according to the agreed terms. Use the funds responsibly and in accordance with the loan purpose.

Being diligent, organized, and proactive throughout the application process can enhance your chances of securing a cannabis business loan that aligns with your business needs.

5. Are There Any Government Grants or Programs for Cannabis Businesses?

While the cannabis industry faces challenges in accessing federal assistance due to its classification under federal law, there are still avenues to explore for government grants and programs:

State Programs: Some states where cannabis is legal offer programs and grants specifically designed to support cannabis businesses. These programs may provide financial assistance, training, and resources to help cannabis entrepreneurs succeed.

SBA Loans: While the Small Business Administration (SBA) generally does not provide loans to cannabis businesses directly, some ancillary businesses that do not handle the plant directly may be eligible for SBA loans.

Economic Development Programs: Local economic development programs may offer support to businesses contributing to job creation and economic growth, including those in the cannabis industry.

Agricultural Grants: Cannabis cultivators may explore agricultural grants available at the state or local level. These grants can support agricultural innovation, sustainability, and development.

Minority and Social Equity Programs: Some states and cities have introduced social equity programs aimed at supporting minority entrepreneurs and those affected by the war on drugs in entering the cannabis industry.

Researching available options, staying informed about legislative changes, and networking with industry groups can help uncover potential government grants or programs for your cannabis business.

6. What Types of Loans are Available for Cannabis Businesses?

Cannabis businesses have access to a variety of loan types, each designed to meet specific financial needs. Understanding the different options available can help you select the most suitable solution:

Working Capital Loans: These loans are designed to finance everyday business operations, such as purchasing inventory, covering payroll, or managing cash flow gaps. They are typically short-term and can be secured or unsecured.

Equipment Financing: Equipment financing is tailored for businesses looking to purchase or lease equipment. The equipment itself often serves as collateral, potentially leading to favorable terms and interest rates.

Real Estate Loans: Real estate loans assist businesses in purchasing, refinancing, or developing commercial properties. These loans usually have longer repayment terms and may offer competitive interest rates.

Line of Credit: A business line of credit provides flexible access to funds up to a certain limit. You only pay interest on the amount used, making it a versatile option for managing cash flow and unexpected expenses.

Dispensary Financing: Dispensary financing is specialized for cannabis retailers, addressing the unique needs of dispensaries, such as inventory purchase, store renovation, or expansion.

Vendor Financing: Vendor financing allows businesses to purchase goods or services on credit from suppliers, facilitating smoother operations and fostering strong vendor relationships.

7. How Long Does it Take to Get Approved for a Cannabis Business Loan?

Approval time varies, but being prepared with all necessary information can expedite the loan processing time. Patience and diligence during the application review are key.

8. Can Startups Get Loans for Cannabis Businesses?

Yes, startups have access to various financing options, including venture capital, seed funding, and angel investors. Exploring these avenues can provide the necessary capital to kickstart your venture.

9. What are the Challenges of Getting a Loan for a Cannabis Business?

Legal issues, federal regulations, and risk assessment are significant barriers. Understanding these challenges and addressing them proactively is crucial for securing financing.

10. Are There Any Alternatives to Traditional Bank Loans for Cannabis Businesses?

Alternative financing options such as private lenders, crowdfunding, investor funding, and peer-to-peer lending are available, offering flexibility and tailored solutions.

11. How Can I Improve My Chances of Getting a Cannabis Business Loan?

Improving credit, crafting a robust business plan, and providing collateral can enhance your loan approval chances. A guarantor can also be beneficial in some cases.

12. What is the Repayment Term for Cannabis Business Loans?

Repayment terms vary, so understanding the loan duration, monthly payments, and amortization schedule is essential to manage your finances effectively.

13. Can I Get a Cannabis Business Loan with Bad Credit?

While challenging, some lenders specialize in subprime lending. Researching credit score requirements and exploring various options is crucial.

14. Are There Any Restrictions on How I Can Use the Funds from a Cannabis Business Loan?

Understanding loan usage, fund allocation, restrictions, and terms and conditions is vital to ensure compliance and successful loan management.

15. Is it Legal to Get a Loan for a Cannabis Business?

Yes, but it’s essential to understand the interplay between federal and state law, cannabis regulations, and ensure compliance with all legal requirements.

Securing cannabis business loans can be a complex journey, but with the right knowledge and preparation, it’s possible to navigate the financial landscape successfully. By understanding the various aspects of cannabis financing, you can unlock the potential of your cannabis business and reach new heights.

#Cannabis Business Loans

2 notes · View notes

slutforstabbings-archive · 11 months

Text

Number 5 with a Bullet - Eddie's Wikipedia

Fake screenshot I made of how Eddie's wikipedia page would look somewhere during the midpoint of Number 5 with a Bullet.

transcript under the cut!

Edward David Munson (born March 3, 1966)[1] is an American musician and model. He is best known as a founding member of iconic heavy metal band Corroded Coffin as vocalist and lead guitarist from 1979 to 2019. In the 1990's and 2000's he appeared in several editorials for magazines and runway shows for various designers as a result of his marriages to models Paige Peterson and Amy A.[2]

These high profile marriages in addition to his musical success resulted in frequent tabloid appearances and widespread coverage of his divorces and struggles with drug and alcohol addiction. Despite the increased scrutiny, Munson's reputation as a "charming devil", and "a sweet dude trying his best"[3] endures.

Since his retirement from Corroded Coffin, Munson has maintained a diminished media presence, other than donating significant sums to several projects in his home states of Indiana and Kentucky, including skate parks, music programs, and harm reduction initiatives.[4]

He is the father of two children with Peterson, Twitch streamer NoMan[5] and fashion designer Lestat Shannon.[6]

Early Life

Munson was born in rural Appalachian Kentucky on March 3, 1966, son of Cindy and Alvin Munson. His mother was only 17 when she got pregnant and her parents forced her to marry Munson's father, who was 25. After the wedding Al moved the family to Hawkins, Indiana to be near his older brother Wayne, who had found work at a chemical plant there. Although Wayne secured Al a job at the plant, the Munsons often struggled financially as a result of Al's substance abuse and gambling problems. Cindy left in the night in 1969 when Munson was three, leaving him to be raised by his father.[7][8] Al soon lost his job at the plant, and was in and out of jail until 1977, when he was sentenced to 10 years in federal prison.[9] Custody was granted to Munson's uncle Wayne, who in addition to helping Al and his family financially, had a history of taking care of Munson while his father was incarcerated or otherwise absent.[10] In 1982, Al was released after serving only half of his sentence. He would remain an inconsistent and disruptive presence in his son's life until his death in 2004.[11]

For Christmas 1978, Munson was gifted his first guitar.[12] In October of 1979 he met Gareth Ward while they were both students at Hawkins Middle School. The two would found Corroded Coffin over winter break. Munson's first time on stage was at the school talent show in spring of 1980.[13]

Munson attended Hawkins High School, where he was ostracized by his conservative classmates for his left wing and nonconformist beliefs, interests in fantasy, horror, and the occult, taste in music and fashion, and low socioeconomic status.[14] Despite this, he was founder and president of The Hellfire Club, a successful school-sponsored Dungeons and Dragons group.[15] Munson was a Hawkins High student for six years, repeating his senior year twice, which he later attributed to "severe senior-itis," and "probably something they have a diagnosis for these days."[16] He dropped out only one month before he was set to graduate[17] to move to New York City and record Corroded Coffin's debut album, Torches and Pitchforks.

Career

Personal Life

Munson married his first wife, Heather Smith, in the fall of 1986.[18] Smith was a part of Munson's original intended graduating class and someone Munson had previously dated casually. The two reconnected while Munson was back in Hawkins before Corroded Coffin embarked on their first tour, and Smith was home for summer break from college.[19] They divorced in 1990 as a result of the band's second album becoming much more successful than anticipated. In her only statement on the subject, Smith said "I love Eddie. I don't love being a rockstar's wife."[3]

Munson met his second wife Paige Peterson in September 1993 when Corroded Coffin played Boneyard Magazine's Body of the Year party,[20] an award which Peterson was the recipient of.[21] By the end of the night they were seen slipping away together and the two married a week later in a ceremony in Las Vegas. The magazine replaced Peterson's planned Body of the Year spread[22] with a bondage themed shoot of her and Munson fully nude, his first modeling job outside of promoting Corroded Coffin. Their first child, Lestat David Munson, was born in 1999.[23] The couple appeared on a 2003 episode of MTV Cribs, where it was revealed they were expecting a second child when they included a partially finished nursery on the tour of their Hollywood home. The baby, Éowyn Paige Munson, had already been born by the time the episode aired.[24]

Peterson filed for divorce in 2005, citing Munson's increasingly severe drug and alcohol problems.[2] Munson had been using drugs recreationally since high school. While touring with Corroded Coffin he would experiment with drugs heavily, once saying "I haven't met a drug I don't like yet."[25] Even so, he maintained strict rules for himself, such as never being intoxicated in front of his children,[26] and managed to quit drugs completely for long periods of time.[27][28][29] However, after the sudden death of his father in 2004, Munson's semi-casual use rapidly deteriorated into addiction.[30] Peterson stated that she never intended to actually get divorced, and she filed to send Munson a wakeup call. It wasn't until Munson miraculously survived a high speed accident in his Mercedes-Benz E55 AMG and was subsequently arrested for street racing and DUI that Peterson realized "Nothing I did could wake Eddie up."[31] The divorce was finalized in 2006.[2]

Munson's divorce from Peterson was only final for six months when he married model and fashion blogger Amy A. At the time A was notorious for her own struggles with drugs and alcohol, and the two were introduced at a Grammys after party when Munson was searching for drugs.[32] Despite their common addiction being the reason they met, Munson was greatly upset by the frequent implication that he and A were only together because of it, stating in a 2017 interview "It was disgusting, it made me so mad. I married Amy because she's a beautiful person. I've been madly in love with all my wives."[33] Munson and A divorced in 2008 after each suffering several close calls with overdoses and other drug-related complications.[2] These incidents prompted both of them to get sober, the divorce resulting from the common drug rehabilitation rule of ending relationships with people you have done drugs with in the past. In the same 2017 interview Munson revealed that he and A did not speak for 5 years after the divorce was finalized, also in line with drug rehabilitation guidance, but since 2013 had fostered a distant yet supportive friendship.[33]

Munson met his fourth wife, stuntwoman and former WWE Diva Missy Winter, when she was featured in the music videos for all three singles from Corroded Coffin's 2010 album Disinterred. At the time she was engaged to Motocross racer Austin Andrew. Their engagement ended in 2011 when it was revealed that Andrew had cheated on Winter,[34] and she sought comfort from "the most divorced person I knew."[3] The pair married in 2012 and divorced in 2016.[2] It has been suggested that Munson and Winter's divorce was caused by the same personal issues that caused him to leave Corroded Coffin that same year,[35] but neither party has ever

(text in image ends)

@rebel-blue @wolvesandvampires @toxicanonymity @hersweetrevenge @cordelium @persephone-of-roleplay

#eddie munson #rockstar!eddie munson #eddie munson fanart #eddie munson lives #slutforart #em #mine

2 notes · View notes

ashesandhackles · 2 years

Note

(I also do not see Walburga as the natural maternal type so hugs were a foreign thing in the Black household altogether, but that’s me drawing from the impression we have of her from the portrait plus Sirius’s words. I feel like we have more proof of Walburga not being naturally maternal more than the opposite y’know? While Sirius’s words on her were him lashing out for sure, I’ve found that there’s often a kernel of truth in statements that are super biased and it’s just heavily tilted.

I completely agree!

I mean, this is woman who wanted to make a statement by burning her brother off the family tree for helping Sirius out financially, after he ran away.

And of course, she was alive for first 3 years of Sirius' imprisonment - grieving for her husband and Regulus. There is also some interesting stuff with Regulus which leads me to believe that Regulus being a model good boy was a stick to beat Sirius with, and that would lead Regulus to believe he was the neglected one. (This is how I interpret how they were pitted against each other)

So we can safely assume she was not the best (in fact, I think a lot of Sirius' viciousness and his tendency to dehumanise his enemies are things he absorbed from her and the general Black family. @mrs-stubby-boardman has written an interesting post about how Sirius uses similar language as her when he is lashing out - "there is enough filth on my robes without you touching them") - of course, interpretations vary and I have seen very interesting depictions of her. But I personally prefer interpretations that don't disregard Sirius' feelings about her and that gives validity to the wounding he suffered from the family.

#asks #anon #sirius black

14 notes · View notes

freedomofform · 1 year

Text

Year in review - February and March 2022

As we get settled in to this new Tumblr account, let's check out a few more things we were doing at the start of the year!

In February, we made our first big post about our still-new-at-the-time Gender Resources project. We mentioned about wanting to ensure people beginning their gender discovery journey could find comprehensive, yet accessible, resources in one place, with special attention for nonbinary individuals who often have to scrape information together from scattered sources. (Since the February, we've made a few more posts about it, and unveiled the first release of the Gender Resources project itself, now on our website at https://freedomofform.org/gender-affirmation-resources/ )!

Also in February, we made posts about an interview with Temple Grandin, expert in autism and animal behavior, and a few other smaller posts.

In March, we released our financial summary for 2021. In 2021, our revenues came to $55,937.41 versus $54,209.46 in expenses for a net income of $1,727.95. Note that 2021 was a high-water mark for overhead expenses and we are on track to have cut them in half in 2022! By carefully analyzing the value and necessity of paid activities, we've been able to trim excess in administration and less-essential activities without taking away research.

Of particular note in March, we posted an update about the Anatomy Re-engineering Framework (then called the 3D Anatomy project), giving details about progress for joint modeling, and mentioning that we were moving from development in Godot to Blender. This was an important move, and as we've learned throughout 2022, it turned out to be the right call. Hindsight is 20/20, so I'm glad that hindsight agrees with our choice at the time!

Since March 2022, the project team has developed greater capabilities in less time than their previous rate of development. Now, some parts of the Anatomy Re-engineering Framework are even starting to get used inside our organization for modeling integument changes. That is the sign that the work is shaping up to be the sort of strategically vital tool we were hoping for. :3

Finally, other March articles included statements of sympathy for Ukraine, a marriage in our community between Athamanatha and Aleksia, and some extremely cute character art for our mascots Vivi and Tap!

Check out these and other newsletters on our website! https://freedomofform.org/4177/february-2022-newsletter/ https://freedomofform.org/4181/march-2022-newsletter/

And PS - since this social media account is still a bit wet behind the ears - due to the amusing, if ridiculous, challenges associated with a particular Bird Site - we'd especially appreciate you helping share this with your friends. Thanks!!

2 notes · View notes

hongboshabi · 2 years

Text

What is it that you only know when you become a boss?

I have opened a small company for 13 years, the maximum number of people more than 40 people, the minimum number of 3 people. Earned, lost, say the following experience.

Small companies all rely on the boss, do not count on employees.

Personal ability to be very strong to open a company as the boss.

The boss should be involved in their own company to the various positions of various things know everything, what will do, and do a good job.

Do not spend energy to manage, train employees, spend energy on the daily specific work on each thing.

The boss's responsibility is to ensure that every day every thing is a very high degree of completion, each thing try not to do smash, employees can do, they do not do, employees do not do well, to take over their own dry.

Finance to pay attention to, the boss to develop good financial habits (such as accounts receivable and payable, look at inventory, look at the statements, look at the bank details), the beginning to use financial software, there are financial system specifications. Wages are higher than any, but also to hire a brainy point of finance, finance staff can not save money.

make money do not rush to expand, first buy a house, first to their own way back.

immediate money is reasonable, if your company is currently making money, do not feel that the staff is unreasonable, the model is unreasonable, etc., as long as the money, do not blind optimization, do not move. On the contrary, the company does not make money, there must be a problem, even if the company seems everything is reasonable.

When making money, pick a good resume, reserve one or two powerful employees, when losing money, do not expect to change a few powerful employees to save the situation.

must not let themselves suffer inside the company, hold back, must be inside the company to show all their own face to the fullest, to put it bluntly, is to let yourself smooth, only you smooth, you can be the best spirit to fight. Do not care whether you these behaviors are weird, reasonable, your feelings are greater than everything.

Don't think about the company to open a large listing, this is an extremely small probability event, open the company is to make money, is a career, to ensure that you earn more than you go out to work on the line, the money to earn hands to do. First earn to the rest of your life worry-free, and then mention what incentive plan, development plan.

Business is bigger is the moment to make heroes, not heroes to make the moment, so the business is bigger is actually opportunity rather than hard work. When you find an opportunity to come, really money automatically to your pocket, you can expand under the scale, otherwise, can not take the money earned to blindly expand.

The boss must be good at selling, signing orders. Whether you are technically born, management born or sales born.

customers to grasp the large and small, customers are fine rather than the amount of large, high-quality customers are the key resources of small companies, to spend energy on quality large customers.

credit business, prefer to give up or introduce to others, take some rebates do not do it yourself.

partners must find you look on, do not settle for. As for how he sees you, another story.

Speaking of integrity, responsible, establish their own reputation within the company and outside. Must not be dishonest for the sake of a little interest, to avoid responsibility.

Learn to integrate resources to do things, learn to leverage the strengths of the individuals and companies you know, pull in together to do a certain business, more to introduce resources to each other, so that friends around the development as much as possible.

social skills must pass, not to say that the people, at least the medium above, otherwise it is recommended not to be the boss.

Do not borrow money to develop, do not loan development. If financing, do not sign an awesome betting agreement.

Do not easily engage in research and development and open factories.

Don't capital pressure too much, capital pressure too much more than a year, hurry to lay off staff and break arms, or the more deadlocked the more dangerous.

Meet more people in the industry, develop contacts, maintain a resonant network, do not superstitious relatives, classmates, resonance is the basis of the network. No resonance hurry to change the next.

old products if you make money to insist on selling, do not make money to cut, look at the industry's new products, if you have energy, must be with the new products in their own industry, with the hot.

Do not fall into gambling and drugs, do not do illegal things, do bad things never say to others know.

To have a friend who understands the law, the company is now opening more and more legal disputes, the legal reserve is imperative.

Do not work too hard to trample the body, health is the boss's first priority, your body a collapse, the company will soon collapse.

After earning almost money, less money are fine, body, mood, family life is more important, do not pull out for money, do not blindly expand, at this time, you can consider giving employees greater incentives to increase their initiative, you can consider waiting for opportunities, you can consider going out to strengthen social looking for big opportunities.

expansion, must first have a general and then a soldier. Don't blindly recruit soldiers without the right will. Never recruit people who need to be trained, prefer to spend more money to recruit mature ones. Recruiting people is expensive in the fine rather than more, try to find the powerful, rather than recruit less people. The team must have the lead old staff, otherwise try not to recruit new people, first smooth out the old staff mentality before recruiting new people.

If you want to engage in research and development and production, you must reserve three times the money, set aside double the time, because it is extremely easy to get out of control.

2 notes · View notes

khalid-albeshri · 10 hours

Text

How to turn around a declining corporate

Turning around a declining corporation requires a strategic and multi-faceted approach. Here's a comprehensive guide:

1. Diagnose the Issues: Understand the root causes of the decline. Conduct a thorough analysis of financial statements, market trends, customer feedback, and employee morale to identify weaknesses.

2. Develop a Turnaround Plan: Create a detailed plan outlining specific actions to address identified issues. Prioritize initiatives based on their potential impact and feasibility. This plan should include short-term fixes and long-term strategies for sustainable growth.

3. Stabilize Finances: Focus on improving cash flow, reducing costs, and managing debt. This might involve renegotiating contracts, divesting non-core assets, or restructuring liabilities.

4. Reassess the Business Model: Evaluate the company's products, services, target markets, and competitive positioning. Determine if adjustments are needed to better align with changing customer needs and market dynamics.

5. Focus on Core Competencies: Concentrate resources on areas where the company has a competitive advantage. Streamline operations to enhance efficiency and effectiveness.

6. Invest in Innovation: Foster a culture of innovation to develop new products, services, or processes that can differentiate the company in the market and drive growth.

7. Strengthen Leadership and Governance: Ensure that the leadership team is capable and zaligned with the turnaround objectives. Implement transparent communication channels and accountability mechanisms.

8. Engage Employees: Empower employees by involving them in decision-making processes and providing opportunities for skill development. A motivated and engaged workforce is essential for executing the turnaround plan effectively.

9. Rebuild Customer Trust: Focus on delivering exceptional value and customer service to rebuild trust and loyalty. Solicit feedback from customers and act on it to improve the overall customer experience.

10. Communicate Effectively: Be transparent about the challenges the company is facing and the steps being taken to address them. Maintain open lines of communication with employees, customers, suppliers, and other stakeholders.

11. Monitor Progress and Adjust: Establish key performance indicators (KPIs) to track progress towards turnaround goals. Regularly review performance metrics and be prepared to make adjustments to the turnaround plan as needed.

12. Celebrate Successes: Recognize and celebrate achievements along the way to boost morale and maintain momentum.

Remember that turning around a declining corporation is a complex and often challenging process that requires commitment, perseverance, and strategic leadership.

#KhalidAlbeshri #pivot #Holdingcompany #CEO #Realestate #realestatedevelopment #middleeast #contentmarketing #businessmanagement #businessconsultants #businessstartup #marketingtips #خالدالبشري

#advertising #artificial intelligence #autos #business #developers & startups #edtech #education #finance #futurism #marketing

0 notes

arena-nikita · 13 hours

Text

Fueling Your Ride: Unveiling the Eligibility Criteria for an ICICI Car Loan in 2024

Owning a car can bring freedom and convenience, but it often requires financing. ICICI Bank, a leading financial institution in India, offers a variety of car loan options to make your dream car a reality. Before embarking on this exciting journey, it's crucial to understand the eligibility criteria for an ICICI Car Loan. This comprehensive guide empowers you to determine if you qualify and pave the way for a successful loan application.

ICICI Car Loans: Powering Your Automotive Dreams

ICICI Bank caters to diverse car ownership aspirations with a range of car loan products. Whether you're looking to finance a brand new car, a pre-owned beauty, or even a two-wheeler, ICICI Car Loans can be your ideal co-pilot.

Who Can Buckle Up for an ICICI Car Loan?

The eligibility criteria for an ICICI Car Loan vary depending on whether you're a salaried individual, self-employed, or a non-resident Indian (NRI). Let's explore the specifics for each category:

Salaried Individuals:

Age: The minimum age requirement is typically 21 years, and the maximum age generally falls between 58 and 65 years (depending on your retirement age).

Minimum Income: Applicants need to demonstrate a minimum monthly salary, which can vary depending on your city of residence and the loan amount.

Employment Status: Salaried individuals working with a reputable company for a minimum period (usually 2 years) are considered favorably.

Credit Score: A good credit score (generally considered 700 or above) significantly increases your chances of loan approval and can secure better interest rates.

Self-Employed Individuals:

Age: The minimum age requirement is typically 25 years, and the maximum age can vary depending on the loan scheme and your retirement age.

Business Stability: Your business needs to be operational for a minimum period (usually 3 years), demonstrating financial stability.

Profitability: You'll need to demonstrate a minimum level of annual profit through audited financial statements. The specific amount can vary depending on your business type and loan amount.

Income Tax Returns (ITR): Filing your Income Tax Returns (ITR) consistently strengthens your application.

Credit Score: Just like salaried individuals, a good credit score plays a vital role.

Non-Resident Indians (NRIs):

NRIs can also apply for ICICI Car Loans, but the eligibility criteria are more stringent. These may include:

Employment Status and Income: Demonstrating a stable income source in their country of residence.

Property Ownership: Owning property in India can strengthen the application.

Guarantor: Having a guarantor residing in India with a strong financial profile can improve approval chances.

Beyond the Basics: Additional Factors

While the above criteria form the core eligibility requirements, ICICI Bank may consider additional factors during the application process:

Debt-to-Income Ratio (DTI): A healthy DTI, where your debt obligations are a manageable portion of your income, strengthens your application.

Loan Purpose: The purpose for which you seek the loan, like buying a new car or a used one, can sometimes influence the lender's decision.

Car Model and On-Road Price: The specific car model and its on-road price can impact the loan eligibility to an extent, based on the bank's risk assessment.

Enhancing Your Eligibility for an ICICI Car Loan

Now that you understand the eligibility criteria, here are some valuable tips to strengthen your application for an ICICI Car Loan:

Build a Strong Credit Score: Maintain a good credit history by paying your bills on time and keeping your credit utilization ratio low.

Increase Your Income: Explore ways to increase your income, if possible, to meet the minimum requirements.

Reduce Existing Debt: Lower your existing debt obligations to improve your DTI ratio.

Maintain Employment Stability: A stable employment history strengthens your application, especially for salaried individuals.

Prepare a Strong Loan Application: Gather all required documents like income proof (salary slips, ITRs for self-employed), identity proof, and car-related documents (if any).

Consider a Down Payment: Making a down payment reduces the loan amount you need to borrow, making it more manageable and potentially improving your loan approval chances.

Conclusion

Understanding the eligibility criteria for an ICICI Car Loan empowers you to make informed financial decisions and navigate your car buying journey smoothly. By meeting the requirements, improving your financial profile, and following the tips provided.

0 notes

fandimasters · 3 days

Text

Mastering Finance Management: A Comprehensive Guide to Finance Manager Courses and Training

In today's dynamic business landscape, the role of a finance manager holds significant importance. Finance managers are the backbone of any organization's financial health, responsible for strategic planning, budgeting, financial analysis, and decision-making. As businesses evolve and financial complexities increase, the demand for skilled finance managers continues to rise. To meet this demand and excel in the field, individuals must undergo specialized training and education. This is where finance manager courses and training programs play a pivotal role.

Finance Manager Courses: Building Foundations for Success

Finance manager courses are designed to equip individuals with the necessary skills and knowledge to thrive in this critical role. These courses cover a wide range of topics, including financial reporting, risk management, investment analysis, and corporate finance principles. Whether you're a seasoned professional looking to enhance your skills or a newcomer to the field, there's a finance manager course tailored to meet your needs.

One of the key benefits of enrolling in a finance manager course is the opportunity to learn from industry experts and practitioners. These courses are often taught by professionals with extensive experience in finance and accounting, providing valuable insights and real-world perspectives. Additionally, finance manager courses typically incorporate case studies, simulations, and interactive exercises to reinforce learning and practical application.

Finance Manager Training: Bridging Theory with Practice

While finance manager courses lay the groundwork for success, hands-on training is essential for applying theoretical knowledge to real-world scenarios. Finance manager training programs offer participants the opportunity to gain practical experience and develop critical skills through internships, workshops, and on-the-job training.

During finance manager training, individuals have the chance to work closely with experienced finance professionals, gaining exposure to day-to-day operations and decision-making processes. This hands-on experience not only enhances technical competencies but also fosters leadership, communication, and problem-solving skills – all essential qualities of a successful finance manager.

Key Components of Finance Manager Courses and Training Programs

1. Financial Analysis and Reporting: Understanding financial statements, interpreting key metrics, and preparing accurate financial reports are fundamental skills taught in finance manager courses. Training programs often include exercises in financial modeling and forecasting to help participants make informed decisions and identify areas for improvement.

2. Budgeting and Forecasting: Finance managers play a critical role in budget planning and forecasting, ensuring that resources are allocated efficiently and strategically. Courses and training programs cover budgeting techniques, variance analysis, and risk assessment to help individuals optimize financial performance and mitigate potential risks.

3. Investment and Portfolio Management: Managing investments and portfolios requires a deep understanding of financial markets, risk-return tradeoffs, and investment strategies. Finance manager courses offer insights into asset allocation, portfolio diversification, and performance evaluation, empowering participants to make sound investment decisions and maximize returns.

4. Risk Management and Compliance: In today's complex regulatory environment, finance managers must navigate various compliance requirements and mitigate financial risks effectively. Training programs provide instruction on risk assessment methodologies, regulatory compliance frameworks, and internal control systems to ensure organizational integrity and sustainability.

5. Strategic Financial Planning: Finance managers play a strategic role in guiding organizational growth and profitability. Courses and training programs focus on strategic financial planning, capital budgeting, and scenario analysis, equipping individuals with the tools and techniques to align financial objectives with overall business goals.

The Importance of Continuous Learning and Professional Development

In the fast-paced world of finance, staying abreast of industry trends, technological advancements, and regulatory changes is paramount. Finance managers must commit to continuous learning and professional development to remain competitive and effective in their roles.

Fortunately, the field of finance offers a plethora of opportunities for ongoing education and skill enhancement. From advanced certification programs to specialized workshops and seminars, finance professionals have access to a wealth of resources to further their knowledge and expertise.

In addition to formal education and training, networking and mentorship play crucial roles in career development. Building relationships with peers, industry leaders, and mentors can provide invaluable insights, career guidance, and support throughout your professional journey.

Conclusion

Becoming a successful finance manager requires a combination of education, training, and practical experience. Finance manager courses and training programs offer a structured pathway for individuals to acquire the skills, knowledge, and competencies needed to excel in this challenging and rewarding field.

Whether you're aspiring to advance your career or seeking to enhance your capabilities as a finance professional, investing in quality education and training is essential. By staying committed to continuous learning and professional development, you can position yourself as a trusted advisor and strategic partner within your organization, driving financial success and creating value for stakeholders.

Remember, the journey to becoming a proficient finance manager is ongoing. Embrace opportunities for growth, stay curious, and never stop learning – your future success depends on it.

#finance manager courses #Finance manager training

1 note · View note