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need to create a 5 year fin model with the following tabs:
Assumptions (this will be detailed for the business - like B2C member acq, B2b member acquisition rates, assumptions, etc
need a monthly model for 5 years -- here are the basic assumptions:
1. Oil sales ¿ we buy home heating oil from suppliers and sell it to members ¿
a. COGS is the same as it is now
2. Oil payment processing ¿ this is where consumers come to our site and just pay a bill using their points --- so we get the top line rev but do not make anything on it except a bill processing fee
a. Need cogs as a fixed fee per trans in the form of a %
3. Electricity payments == same as # 2 ¿ these can be modeled by # of users and # of payments processed a quarter == with the payment processing fees smoothed out over the qtr ¿ this fee should be @ 3 bucks
a. Need cogs ¿ same as above
4. Points for online shopping --- straight "average consumer spend per mo" and then "ave gross...
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