One Page B.Plan One Page Business PlanWhat is your vision for the business?What does the market for your product look like?What problem will your business solve?How will your customer learn about your business?Do you have experience in this business? (Have you worked in a similar business?)Do you have enough money? How much will you invest?What product or service will you offer or sell? (product)What are your biggest challenges?Who will buy it; that is, who are your target customers?What is your solution to the challenges?How will you get paid? (Cash, Check, Credit card, other)I am successful if I have achieved the following goal:How will you deliver your product/service to the customer? (place)What are your financial objectives? What income do you expect?Who is your competition? (name 3 competitors)What are your milestones & timelines for starting your business? Do you have an advantage or unique selling point (USP)?Describe in 25 words or less the nature of your business. SMART & SWOT Goal Setting the SMART Process SWOT Analysis (Not more than 3 topics in each category)Specific Is your desired outcome clearly defined?Internal ForcesWhat do you want to accomplish?StrengthHelpfulWeaknessHarmfulCompetence, experience, knowledge, Competitive disadvantages, gapsresource availability, technology,in experience, lack of financing,business know-how, financingreliability issues, loss of key staffMeasurableHow will you know when you are there?What concrete criteria will you use to measure progress?AttainableHow can you accomplish the goal? Challenging but realistic based on resourcesExternal ForcesOpportunitiesHelpfulThreatsHarmfulStrategic partnerships, new markets,Strong competition, new competingRelevantIs it worth the time spent? new technologies, innovation,technologies, pricing issues, Does it meet your overall objective?improving economyweakening economyTime-BoundBy when will you have it accomplished? What are your deadlines? Rubric108642ConnectionAnalysisSummaryIncompleteAttemptedAnswers show mastery of content and deeper analysis/understanding of the content. Uses specific references to add to explanation.Answers show some analysis.  Student’s answer shows mastery and understanding of content. Answers show some understanding of essential content, facts, but is lacking in greater analysis and evidence.Answers do not show understanding of basic content.  Answers are incomplete or inaccurate.  Answers show that mastery of the general content is missing.Product does not address the assignment or is off topic.  Answers are not on prompt or track. Sheet1BUS 110 Reading a Financial Statement Assignment: Grading RubricTaskPoints PossibleBeginning 0 ptsDeveloping Competent Accomplished Points AwardedIdentify company you picked and provide a short overview of what the company does (1 paragraph)10Company no mentioned. (0 pts)Company mentioned but not detail on what it does (6 pts)Itentifi ...

1. One Page B.Plan One Page Business
PlanWhat is your vision for the business?What does the market
for your product look like?What problem will your business
solve?How will your customer learn about your business?Do
you have experience in this business?
(Have you worked in a similar business?)Do you have enough
money? How much will you invest?What product or service
will you offer or sell? (product)What are your biggest
challenges?Who will buy it; that is, who are your target
customers?What is your solution to the challenges?How will
you get paid? (Cash, Check, Credit card, other)I am successful
if I have achieved the following goal:How will you deliver your
product/service to the customer? (place)What are your financial
objectives? What income do you expect?Who is your
competition? (name 3 competitors)What are your milestones &
timelines for starting your business? Do you have an advantage
or unique selling point (USP)?Describe in 25 words or less the
nature of your business.
SMART & SWOT Goal Setting the SMART Process
SWOT Analysis (Not more than 3 topics in each
category)Specific Is your desired outcome clearly
defined?Internal ForcesWhat do you want to
accomplish?StrengthHelpfulWeaknessHarmfulCompetence,
experience, knowledge, Competitive disadvantages,
gapsresource availability, technology,in experience, lack of
financing,business know-how, financingreliability issues, loss
of key staffMeasurableHow will you know when you are
there?What concrete criteria will you use to measure
progress?AttainableHow can you accomplish the goal?
Challenging but realistic based on resourcesExternal
ForcesOpportunitiesHelpfulThreatsHarmfulStrategic
partnerships, new markets,Strong competition, new
competingRelevantIs it worth the time spent? new technologies,
innovation,technologies, pricing issues, Does it meet your

2. overall objective?improving economyweakening economyTime-
BoundBy when will you have it accomplished? What are your
deadlines?
Rubric108642ConnectionAnalysisSummaryIncompleteAttempte
dAnswers show mastery of content and deeper
analysis/understanding of the content. Uses specific references
to add to explanation.Answers show some analysis. Student’s
answer shows mastery and understanding of content. Answers
show some understanding of essential content, facts, but is
lacking in greater analysis and evidence.Answers do not show
understanding of basic content. Answers are incomplete or
inaccurate. Answers show that mastery of the general content is
missing.Product does not address the assignment or is off topic.
Answers are not on prompt or track.
Sheet1BUS 110 Reading a Financial Statement Assignment:
Grading RubricTaskPoints PossibleBeginning 0 ptsDeveloping
Competent Accomplished Points AwardedIdentify company you
picked and provide a short overview of what the company does
(1 paragraph)10Company no mentioned. (0 pts)Company
mentioned but not detail on what it does (6 pts)Itentified but
only a brief description on what the company does (8
pts)Identified and complete description on what the company
does. (10 pts)Income Statement: Provides a 3 year trend of
revenue and explains in terms of growth or not growth (1
paragraph)10Not provided (0 pts)Provided but not well
explained(6 pts)Provided but not fully explained (8
pts)Provided and fully explained (10 pts)Income Statement:
Provide a 3 year trend of net income (profits) and explain. (1
paragraph)10Not provided (0 pts)Provided but not well
explained(6 pts)Provided but not fully explained (8
pts)Provided and fully explained (10 pts)Income Statement:
Provide a 3 year trend fo Return on Sales and explained (1
Paragraph)10Not provided (0 pts)Provided but not well
explained(6 pts)Provided but not fully explained (8
pts)Provided and fully explained (10 pts)Balance Sheet:

3. Provide a 3 year trend of Assets, Liabiities, Stockholder Equity
and explain (1 paragraph)10Not provided (0 pts)Provided but
not well explained(6 pts)Provided but not fully explained (8
pts)Provided and fully explained (10 pts)Balance Sheet:
Provide a 3 year trend of company's quick ratio (Current Assets
/ Current Liabilities) and explain. (1 paragraph)10Not provided
(0 pts)Provided but not well explained(6 pts)Provided but not
fully explained (8 pts)Provided and fully explained (10
pts)Cash Flow: Provide a 3 year trend of company's cash from
operation, cash from investments, cash from financing and
explain (1 paragraph)10Not provided (0 pts)Provided but not
well explained(6 pts)Provided but not fully explained (8
pts)Provided and fully explained (10 pts)Provide a statement of
the overall financial health of your company.20Not provided (0
pts)Provided but not well explained(12 pts)Provided but not
fully explained (16 pts)Provided and fully explained (20
pts)Formatting, grammer and spelling is all professional and
contains few if any errors.10More than 4 errors. (0 pts)3-4
errors (6 pts)Only 1 or 2 errors (8 pts)No errors (10 pts)Total
(before adjustments)100Penalty for late-10There will be a 10
point dedcution for each day after the submission deadline.
Sheet2
Sheet3
BUS 110 Reading a Financial Statement Sample Report
Company: Sears Holding Company (Symbol: SHLD)
Sears is a major retailer it operates two major segments: K-Mart
and Sears. The Kmart segment operates retail stores that offer a
range of products, including consumer electronics, seasonal
merchandise, outdoor living, toys, lawn and garden equipment,
food and consumables, and apparel; and in-store pharmacies. It
provides merchandise under the Jaclyn Smith, Joe Boxer, and
Alphaline labels; Sears brand products, such as Kenmore,
Craftsman, and DieHard; and Kenmore-branded products. As of
October 31, 2015, this segment operated approximately 952
Kmart stores. The Sears Domestic segment operates stores that

4. provide appliances, consumer electronics/connected solutions,
tools, sporting goods, outdoor living, lawn and garden
equipment, apparel, footwear, jewelry, and accessories, as well
as automotive services and products, such as tires, batteries, and
home fashion products. (note you can find much of this
information on the profile tab of yahoo finance)
Sears Holding Revenue Trend (found on the income statement)
Sears has seen a steady decline in revenue. 2016 revenues
compared to 2015 revenue declined about 20%. This represents
a very significant decline in revenue.
Provide from information only not needed on your report:
Calculation of 20% decline: ((25.1-31.2)/31.2) x 100
2016 Revenue
2015 Revenue
2014 Revenue
$ 25.1 B
$ 31.2 B
$ 36.2 B
Sears Holding Income or Profit Trend (found on the income
statement)
Sears has lost over 1 Billion dollars each of the past 3 years.
This represents an unprofitable company. Although loss is
slightly less in 2016 vs. 2015 it still lost over $1B, not a very
healthy company from a profitability viewpoint.
Note brackets in accounting indicate a loss.
2016 Net Income
2015 Net Income
2014 Net Income
$ (1.1) B
$ (1.7) B
$ (1.4) B
Sears Holding Return on Sales (calculated from items on the
income statement.
Sears return on sales is about negative 4%, meaning for each

5. dollar of sales Sears income is a negative 4 cents. This is not a
good sign of profitability, the average company makes between
3-5 cents on each dollar of sales, or a Return on sales of 3-5%.
Provide from information only not needed on your report:
Calculation Net Income / Revenue
2016 ROS %
2015 ROS %
2014 ROS %
· 4%
· 5%
· 4 %
Overall Sears’s income statement indicates the firm is in poor
financial health.
Sears Holding Balance Sheet
The balance sheet consists of Assets (items the firm owns),
Liabilities (items the firm owes), and Stockholders equity (the
difference between Assets less liabilities). The three year trend
is provided below. Sears currently has a negative stockholders
equity, they owe more than they own. This is not the ideal
situation, plus the trend over the past 3 years is not favorable.
2016
2015
2014
Assets
$ 11.3 B
$ 13.2 B
$ 18.3 B
Liabilities
$ 13.3 B
$ 14.1 B
$ 16.5 B
Stockholder Equity
$ (2.0) B

6. $ (0.9) B
$ 1.8 B
Sears Holding Ability to Paid Current Debts (found on balance
sheet)
The current assets are slightly higher than the current liabilities
so Sears is in fair position to pay its current debts. The ratio
between current assets to current liabilities of is greater than 1
meaning Sears has more in current assets than it currently has in
current liabilities.
Note : truth is much of Sears’s current assets are in inventory
which is which may not be easily converted into cash however I
would not expect students to go into that depth for this
assignment.
2016
2015
2014
Current Assets
$ 6.0 B
$ 5.9 B
$ 8.9 B
Current Liabilities
$ 5.4 B
$ 5.6 B
$ 8.2 B
Ration (CA/CL)
1.1
1.1
1.1
Sears Holding Cash Flow (found on Cash Flow statement)
Sears is currently not generating any cash from operations,
which is a grave situation. Because Sears is not generating cash
for operations it must survive by financing (mostly borrowing in
this case) and investments (selling off its assets). Note even

7. though Sears net or total cash flow was zero it would not be
viewed as great news since none of the cash came from its
operations.
2016
2015
2014
Cash from Operations
$ (2.2) B
$ (1.4) B
$ (1.1) B
Cash from Investments
$ 2.5 B
$ 0.3 B
$ 0.7 B
Cash from Financing
$ (0.3) B
$ 0.3 B
$ 0.9 B
Total Net Cash Flow
$ 0 B
$ (0.8) B
$ 0.4 B
Overall Financial Health of Sears
Sears overall financial health is poor. The firm’s revenues are
declining at about 20% per year. The firm does not operate at a
profit. The firm is unable to generate cash from its operations.