Creative Concepts Computer Design

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Table of ContentsChart: Gross Margin Yearly..................................................................................................14

Table: Profit and Loss..........................................................................................................15Chart: Profit Monthly.............................................................................................................15Chart: Profit Yearly................................................................................................................16

7.4 Projected Cash Flow...............................................................................................................16Chart: Cash...........................................................................................................................16Table: Cash Flow..................................................................................................................17

7.5 Projected Balance Sheet........................................................................................................18Table: Balance Sheet...........................................................................................................18

7.6 Business Ratios.......................................................................................................................19Table: Ratios.........................................................................................................................20

Table: Sales Forecast...............................................................................................................................1Table: Personnel........................................................................................................................................2Table: General Assumptions....................................................................................................................3Table: Profit and Loss...............................................................................................................................4Table: Cash Flow.......................................................................................................................................5Table: Balance Sheet................................................................................................................................6


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Creative Concepts Computer Design

1.0 Executive Summary

Introduction

Creative Concepts Computer Design will provide computer and technical consulting to local

small businesses as well as home PC users. In doing so the company will focus on marketing,

responsiveness, quality, and creating and retaining customer relations.

The Company

Creative Concepts will initially be a sole proprietorship with minimum outside financing. Creative

Concepts will be a home office start-up, utilizing one studio room in the owner's home and

serving customers in the local Eugene, Oregon area.

Creative Concepts will be initially owned by Bram Ekstrand. Depending on growth, the company

will possibly add additional employees and expand operations.

The Market

Market research indicates an available market niche able to be occupied by additional businessesof this nature. The very nature of the computing industry, with its extraordinary rate of

technological development, creates a constant need for businesses skilled in updating

and advising customers on computer-related issues. Home PC users will provide the majority of

our business revenue. These jobs will typically consist of minor upgrades services and

advising. Business Week expects the computing industry to grow at a rate of 12% and the

processor speeds to continue to expand for years to come, providing a rich resource for sales.

Creative Concepts has decided to focus mainly on the home PC market for many reasons.

These home customers typically request jobs that are easier, faster, and less resourceintensive then the opposing small business customer. In addition, this market tends to offer more

flexibility for service times allowing a more productive workday.


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1.1 Objectives

1. To provide a service to the community that is in sufficient demand as to generate a

profit.

2. Gain a strong repeat customer base to maximize growth.

3. Become a positive influence in the community in which we operate.

1.2 Mission

To become a contributing unit of society while delivering a product of exceptional quality,

value, and in a timely fashion. We will treat every customer as if they were our only customer.


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Creative Concepts Computer DesignThe goal will be to start the venture as inexpensively as possible, with minimal outside financing.

Creative Concepts will be a home office start-up, utilizing one studio room in the owner's home.

2.1 Company Ownership

Creative Concepts will be initially owned by Bram Ekstrand as a sole proprietorship. Possibly

later adding additional employees and expanding operations as well as clientele.

2.2 Start-up Summary

Total start-up expenses are modest. This is composed of mostly equipment costs along with a

few dollars for research of consumer wants and desires and a few pads of stationary. Exact

allocations are shown on the table. Since this is a service business and not product oriented,

operational costs should remain low through the start-up process.

Table: Start-up

Start-up

Requirements

Start-up Expenses

Legal $150Stationery etc. $50

Brochures $0

Consultants $0

Insurance $0


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Table: Start-up Funding

Start-up Funding

Start-up Expenses to Fund $720

Start-up Assets to Fund $280

Total Funding Required $1,000

Assets

Non-cash Assets from Start-up $0

Cash Requirements from Start-up $280

Addit ional Cash Raised $0

Cash Balance on Starting Date $280

Total Assets $280

Liabilities and Capital

Liabilities

Current Borrowing $0

Long-term Liabili ties $0

Accounts Payab le (Outstanding Bi ll s) $0

Other Current Liabili ties (interest-free) $0

Total Liabili ties $0

Capital

Planned Investment

Investor 1 $1,000

Investor 2 $0

Other $0

Addit ional Investment Requi rement $0

Total Planned Investment $1,000

Loss at Start-up (Start-up Expenses) ($720)


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3.0 Services

Creative Concepts will offer computer support and upgrade service to clients of two major

categories, home PC users and small office users. These categories will define 95% of ouroperations.


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Creative Concepts Computer Designavailable to the public. Our customers will receive the most current versions of all software and

hardware upgrades requested.

4.0 Market Analysis Summary

Creative Concepts Computer Design will provide computer support in both a consulting and

technical capacity to home PC users as well as small business owners. Since Creative Concepts

is currently a one man operation it will be limited in growth to the capacity of work able to be

completed. Personal market research indicates an available market niche able to be occupiedby additional businesses of this nature. The very nature of the computing industry, with its

extraordinary rate of technological development, creates a constant need for businesses skilled

in updating and advising customers on computer-related issues.


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4.1 Market Segmentation

The existing computer service market is so extensive categorizing it is a rather difficult task.

For our revenue-oriented purposes we will define the market into home PC users and small

business clients. Home PC users will provide the majority of our business revenue. These jobs will

typically consist of minor upgrades services and advising. The small business market will be

defined as customers with five or more computers or a network requiring service or repair.

Table: Market Analysis

Market Analysis

Year 1 Year 2 Year 3 Year 4 Year 5

Potential Customers Growth CAGR

Home PC Users 2% 25,000 25,500 26,010 26,530 27,061 2.00%

Small Business Contracts 1% 10,000 10,100 10,201 10,303 10,406 1.00%

Other 0% 0 0 0 0 0 0.00%

Total 1.72% 35,000 35,600 36,211 36,833 37,467 1.72%


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4.2.1 Market Needs

As reported by ComputingNetmagazine, there is a substantial need for individuals capable of

performing computer upgrades and repairs in a timely and cost-effective manner in this region.

Creative Concepts is directed specifically at that market niche.

4.2.2 Market Trends

Both the software and hardware side of the computer industry continue to turn out new and

revised computer components at alarming rates. For Creative Concepts this means job

security well into the future.

4.2.3 Market Growth

As reported by the Wall Street Journal, there seems to be no end to the development of the

computer market. Business Weekexpects the computing industry to grow at a rate of 12%

and the processor speeds to continue to expand for years to come.

4.3 Service Business Analysis

Secondary market research shows computer service customers tend to be very loyal providersthat do good work and satisfy their needs. An analysis of Creative Concepts' main competitors

shows no overwhelming strengths that would be significant barriers to possible success.

Likewise, identifying competitor's weaknesses has illuminated several areas that Creative


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Creative Concepts Computer Designmouth alone will bring in many new clients. The satisfaction our consumers find will keep them as

our business.

5.0 Strategy and Implementation Summary

A value proposition of timely and practical solutions, at a reasonable rate, coupled with a

100% guarantee.

A competitive edge based on cultivating existing customer relationships.

Our target market will focus on Eugene and the surrounding areas. Market research indicates

there is an abundance of business for a small company such as Creative Concepts. If apparent a

need exists for increased business, such promotional mediums as radio or print ad could be

explored.

5.1 Competitive Edge

Our competitive advantage will be our ability to quickly take in a request from a customer and

complete the requested task in a timely fashion. Typically we will strive for a 48-hour completion

of most home PC user requests and slightly longer for small business obligations. In addition we

will conduct our services at the going wage or slightly below. Setting marginal revenue to

marginal cost until we establish a substantial customer base if not forever. With this strategy we

can undercut most competitors and gain local market power.

5.2 Value Proposition


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Creative Concepts Computer Designto sufficiently compensate.


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Table: Sales Forecast

Sales Forecast

Year 1 Year 2 Year 3

Unit Sales

Home PC Unit 396 475 570

Small Business Unit 214 235 259

Other 0 0 0

Total Unit Sales 610 710 829

Unit Prices Year 1 Year 2 Year 3

Home PC Unit $30.00 $33.00 $36.30

Small Business Unit $30.00 $36.00 $43.20

Other $0.00 $0.00 $0.00

Sales

Home PC Unit $11,874 $15,674 $20,690

Small Business Unit $6,415 $8,468 $11,178

Other $0 $0 $0

Total Sales $18,289 $24,142 $31,868

Direct Unit Costs Year 1 Year 2 Year 3

Home PC Unit $5.00 $7.00 $10.00

Small Business Unit $7.00 $10.00 $13.00

Other $0.00 $0.00 $0.00

Direct Cost of Sales

Home PC Unit $1,979 $3,325 $5,700

Small Business Unit $1,497 $2,352 $3,364

Other $0 $0 $0

Subtotal Direct Cost of Sales $3,476 $5,677 $9,063

5.4 Milestones


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Creative Concepts Computer Designemployees are added in the future this will be revised at that time.

6.1 Personnel Plan

The following table shows my expected compensation. Since I am the sole employee I am the

only one on the books. I have decided to have my pay directly reflective of the businesses

success. Additionally, I have decided to leave a residual amount of income with the company

each month. This is intended to allow a means of adaptation or evolution of the business

should circumstances dictate expansion or the hiring of additional employees in the future.

Table: Personnel

Personnel Plan


Owner $8,102 $12,071 $15,934

Other $0 $0 $0

Total People 0 0 0

Total Payroll $8,102 $12,071 $15,934

7.0 Financial Plan

The following sections include the annual estimates for the standard set of financial tables.

Detailed monthly pro-forma tables are included in the appendix.

7.1 Important Assumptions


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Table: Break-even Analysis

Break-even Analysis

Monthly Units Break-even 28

Monthly Revenue Break-even $834

Assumpti ons:

Average Per-Unit Revenue $29.98


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Table: Profit and Loss

Pro Forma Profit and Loss


Sales $18,289 $24,142 $31,868

Direct Cost of Sales $3,476 $5,677 $9,063

Other $0 $0 $0

Total Cost of Sales $3,476 $5,677 $9,063

Gross Margin $14,814 $18,465 $22,804

Gross Margin % 80.99% 76.48% 71.56%

Expenses

Payroll $8,102 $12,071 $15,934

Sales and Marketing and Other Expenses $0 $0 $0

Depreciation $0 $0 $0

Leased Equipment $0 $0 $0

Util ities $0 $0 $0

Insurance $0 $0 $0

Rent $0 $0 $0

Payroll Taxes $0 $0 $0

Other $0 $0 $0

Total Operating Expenses $8,102 $12,071 $15,934

Profit Before Interest and Taxes $6,711 $6,394 $6,870

EBITDA $6,711 $6,394 $6,870

Interest Expense $0 $0 $0

Taxes Incurred $1,702 $1,598 $1,746

Net Profit $5,009 $4,795 $5,124

Net Profit/Sales 27.39% 19.86% 16.08%


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7.4 Projected Cash Flow

This information is presented in the chart and table below.


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Table: Cash Flow

Pro Forma Cash Flow


Cash Received

Cash from Operations

Cash Sales $0 $0 $0

Cash from Receivables $12,657 $22,340 $29,488

Subtotal Cash from Operations $12,657 $22,340 $29,488

Addit ional Cash Received

Sales Tax, VAT, HST/GST Received $0 $0 $0

New Current Borrowing $0 $0 $0

New Other Liabil ities (interest-free) $0 $0 $0

New Long-term Liabil ities $0 $0 $0

Sales of Other Current Assets $0 $0 $0

Sales of Long-term Assets $0 $0 $0

New Investment Received $0 $0 $0

Subtotal Cash Received $12,657 $22,340 $29,488

Expenditures Year 1 Year 2 Year 3

Expenditures from Operations

Cash Spending $8,102 $12,071 $15,934

Bill Payments $4,391 $7,464 $10,519

Subtotal Spent on Operations $12,493 $19,535 $26,453

Addit ional Cash Spen t

Sales Tax, VAT, HST/GST Paid Out $0 $0 $0

Principal Repayment of Current Borrowing $0 $0 $0

Other Liabil ities Principal Repayment $0 $0 $0

Long-term Liabili ties Principal Repayment $0 $0 $0

Purchase Other Current Assets $0 $0 $0


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7.5 Projected Balance Sheet

This information is presented in the table below.

Table: Balance Sheet

Pro Forma Bal ance Sheet

Year 1 Year 2 Year 3Assets

Current Assets

Cash $444 $3,248 $6,283

Accounts Receivabl e $5,633 $7,435 $9,815

Other Current Assets $0 $0 $0

Total Current Assets $6,076 $10,683 $16,098

Long-term Assets

Long-term Assets $0 $0 $0Accumulated Deprecia tion $0 $0 $0

Total Long-term Assets $0 $0 $0

Total Assets $6,076 $10,683 $16,098

Liabil ities and Capital Year 1 Year 2 Year 3

Current Liabilities

Accounts Payab le $787 $598 $888

Current Borrowing $0 $0 $0

Other Current Liabili ties $0 $0 $0Subtotal Current Liabil ities $787 $598 $888

Long-term Liabili ties $0 $0 $0

Total Liabili ties $787 $598 $888


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7.6 Business Ratios

Business ratios for the years of this plan are shown below. Industry profile ratios based on the

Standard Industrial Classification (SIC) code 7379, Computer Related Services NEC, are shown

for comparison.


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Table: Ratios

Ratio Anal ysis

Year 1 Year 2 Year 3 Industry Profile

Sales Growth n.a. 32.00% 32.00% 7.20%

Percent of Total Assets

Accounts Receivabl e 92.70% 69.60% 60.9 7% 21.70%

Other Current Assets 0.00% 0.00% 0.00% 46.70%

Total Current Assets 100.00% 100.00% 100.00% 71.90%

Long-term Assets 0.00% 0.00% 0.00% 28.10%Total Assets 100.00% 100.00% 100.00% 100.00%

Current Liabil i ties 12.95% 5.60% 5.52% 51.40%

Long-term Liabili ties 0.00% 0.00% 0.00% 19.10%

Total Liabili ties 12.95% 5.60% 5.52% 70.50%

Net Worth 87.05% 94.40% 94.48% 29.50%

Percent of Sal es

Sales 100.00% 100.00% 100.00% 100.00%

Gross Margin 80.99% 76.48% 71.56% 0.00%

Selling, General & Administrative Expenses 38.70% 65.72% 64.96% 80.70%

Advertising Expenses 0.00% 0.00% 0.00% 1.20%

Profit Before Interest and Taxes 36.69% 26.48% 21.56% 1.70%

Main Ratios

Current 7.72 17.86 18.12 1.27

Quick 7.72 17.86 18.12 1.01

Total Debt to Total Assets 12.95% 5.60% 5.52% 70.50%

Pre-tax Return on Net Worth 126.88% 63.40% 45.17% 3.50%

Pre-tax Return on Assets 110.45% 59.85% 42.68% 11.80%

Addit ional Ratios Year 1 Year 2 Year 3

Net Profit Margin 27.39% 19.86% 16.08% n.a


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Appendix

Page 1

Table: Sales Forecast

Sales Forecast

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12

Unit Sales

Home PC Unit 0% 10 12 14 17 21 25 30 36 43 52 62 74

Small Business Unit 0% 10 11 12 13 15 16 18 19 21 24 26 29

Other 0% 0 0 0 0 0 0 0 0 0 0 0 0

Total Unit Sales 20 23 27 31 35 41 48 55 64 75 88 103

Unit Prices Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12

Home PC Unit $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00

Small Business Unit $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00

Other $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Sales

Home PC Unit $300 $360 $432 $518 $622 $746 $896 $1,075 $1,290 $1,548 $1,858 $2,229

Small Business Unit $300 $330 $363 $399 $439 $483 $531 $585 $643 $707 $778 $856

Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Sales $600 $690 $795 $918 $1,061 $1,230 $1,427 $1,660 $1,933 $2,255 $2,636 $3,085

Direct Unit Costs Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12

Home PC Unit 0.00% $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 $5.00

Small Business Unit 0.00% $7.00 $7.00 $7.00 $7.00 $7.00 $7.00 $7.00 $7.00 $7.00 $7.00 $7.00 $7.00

Other 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Direct Cost of Sales

Home PC Unit $50 $60 $72 $86 $104 $124 $149 $179 $215 $258 $310 $372

Small Business Unit $70 $77 $85 $93 $102 $113 $124 $136 $150 $165 $182 $200

Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Subtotal Direct Cost of Sales $120 $137 $157 $180 $206 $237 $273 $316 $365 $423 $491 $571


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Appendix

Page 2

Table: Personnel

Personnel Plan


Owner 0% $0 $0 $0 $459 $531 $615 $714 $830 $967 $1,128 $1,318 $1,542

Other 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total People 0 0 0 0 0 0 0 0 0 0 0 0

Total Payroll $0 $0 $0 $459 $531 $615 $714 $830 $967 $1,128 $1,318 $1,542


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Appendix

Page 3

Table: General Assumptions

General Assumptions


Plan Month 1 2 3 4 5 6 7 8 9 10 11 12

Current Interest Rate 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%

Long-term Interest Rate 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%

Tax Rate 30.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00%

Other 0 0 0 0 0 0 0 0 0 0 0 0


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Appendix

Page 4

Table: Profit and Loss

Pro Forma Profit and Loss


Sales $600 $690 $795 $918 $1,061 $1,230 $1,427 $1,660 $1,933 $2,255 $2,636 $3,085

Direct Cost of Sales $120 $137 $157 $180 $206 $237 $273 $316 $365 $423 $491 $571

Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Cost of Sales $120 $137 $157 $180 $206 $237 $273 $316 $365 $423 $491 $571

Gross Margin $480 $553 $638 $738 $855 $992 $1,154 $1,344 $1,568 $1,832 $2,144 $2,514

Gross Margin % 80.00% 80.14% 80.29% 80.43% 80.57% 80.71% 80.85% 80.98% 81.12% 81.24% 81.37% 81.48%

Expenses

Payroll $0 $0 $0 $459 $531 $615 $714 $830 $967 $1,128 $1,318 $1,542

Sales and Marketing and Other

Expenses

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Depreciation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Leased Equipment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Utilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Insurance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Rent $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Payroll Taxes 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Operating Expenses $0 $0 $0 $459 $531 $615 $714 $830 $967 $1,128 $1,318 $1,542

Profit Before Interest and Taxes $480 $553 $638 $279 $324 $378 $440 $514 $601 $705 $827 $971

EBITDA $480 $553 $638 $279 $324 $378 $440 $514 $601 $705 $827 $971

Interest Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Taxes Incurred $144 $138 $160 $70 $81 $94 $110 $129 $150 $176 $207 $243

Net Profit $336 $415 $479 $209 $243 $283 $330 $386 $451 $528 $620 $728

Net Profit/Sales 56.00% 60.11% 60.22% 22.82% 22.93% 23.04% 23.14% 23.24% 23.34% 23.43% 23.52% 23.61%


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Appendix

Page 5

Table: Cash Flow

Pro Forma Cash Flow


Cash Received

Cash from Operations

Cash Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Cash from Receivables $0 $20 $603 $694 $799 $922 $1,067 $1,236 $1,435 $1,669 $1,944 $2,268

Subtotal Cash from Operations $0 $20 $603 $694 $799 $922 $1,067 $1,236 $1,435 $1,669 $1,944 $2,268

Additional Cash Received

Sales Tax , VAT, HST/GST Received 0.00% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Other Liabilities (interest-free) $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sales of Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sales of Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Investment Received $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Subtotal Cash Received $0 $20 $603 $694 $799 $922 $1,067 $1,236 $1,435 $1,669 $1,944 $2,268

Expenditures Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12

Expenditures from Operations

Cash Spending $0 $0 $0 $459 $531 $615 $714 $830 $967 $1,128 $1,318 $1,542

Bill Payments $9 $264 $277 $314 $251 $289 $333 $385 $446 $518 $602 $702

Subtotal Spent on Operations $9 $264 $277 $773 $781 $904 $1,047 $1,215 $1,413 $1,646 $1,920 $2,244

Additional Cash Spent

Sales Tax , VAT, HST/GST Paid Out $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Principal Repayment of Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Liabilities Principal Repayment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Long-term Liabilities Principal Repayment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Purchase Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Purchase Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Dividends $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Subtotal Cash Spent $9 $264 $277 $773 $781 $904 $1,047 $1,215 $1,413 $1,646 $1,920 $2,244

Net Cash Flow ($9) ($244) $326 ($79) $18 $19 $20 $21 $22 $23 $23 $24

Cash Balance $271 $27 $353 $274 $292 $310 $330 $352 $374 $396 $420 $444


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Appendix

Page 6

Table: Balance Sheet

Pro Forma Balance Sheet


Assets Starting Balances

Curren t Assets

Cash $280 $271 $27 $353 $274 $292 $310 $330 $352 $374 $396 $420 $444

Accounts Receivable $0 $600 $1,270 $1,462 $1,686 $1,948 $2,256 $2,616 $3,039 $3,537 $4,124 $4,816 $5,633

Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Current Assets $280 $871 $1,297 $1,815 $1,960 $2,240 $2,566 $2,946 $3,391 $3,911 $4,520 $5,236 $6,076

Long -term Assets

Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Accumulated Depr eciation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Assets $280 $871 $1,297 $1,815 $1,960 $2,240 $2,566 $2,946 $3,391 $3,911 $4,520 $5,236 $6,076

Liabilities and Capital Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12

Current Liabilities

Accounts Payable $0 $255 $266 $306 $241 $278 $321 $371 $429 $498 $579 $675 $787

Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Current Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Subtotal Current Liabilities $0 $255 $266 $306 $241 $278 $321 $371 $429 $498 $579 $675 $787

Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Liabilities $0 $255 $266 $306 $241 $278 $321 $371 $429 $498 $579 $675 $787

Paid-in Capital $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

Retained Earnings ($720) ($720) ($720) ($720) ($720) ($720) ($720) ($720) ($720) ($720) ($720) ($720) ($720)

Earnings $0 $336 $751 $1,229 $1,439 $1,682 $1,966 $2,296 $2,681 $3,133 $3,661 $4,281 $5,009

Total C apital $280 $616 $1,031 $1,509 $1,719 $1,962 $2,246 $2,576 $2,961 $3,413 $3,941 $4,561 $5,289

Total Liabilities and Capital $280 $871 $1,297 $1,815 $1,960 $2,240 $2,566 $2,946 $3,391 $3,911 $4,520 $5,236 $6,076

Net Worth $280 $616 $1,031 $1,509 $1,719 $1,962 $2,246 $2,576 $2,961 $3,413 $3,941 $4,561 $5,289

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