INDEx | 269Nolo’s small business information, 194
ordering books, 196
SCORE counseling service, 196
search engines, 207
securities laws exemptions, 75
taxes, 62
Opening your business, 145–147. See also
After you open
OPIC (Overseas Private Investment
Corporation), 74
Organizing your plan, 158–159
Outline of most positive facts, 160–161
Outlines for business plan, 158–159
Overhead/operating expenses, 36, 40–41,
43–47, 63, 111, 118
Overseas Private Investment Corporation
(OPIC), 74
Owning a business
banker’s ideal, 17–19
business plan to evaluate decision, 6–7
self-evaluation exercises, 13–17
typical reasons for, 12–13
P
Pamphlets for small businesses, 203
Partnership interests, 9, 56
Partnerships, 9, 56, 181, 191, 194, 201
Pasta shops, 22–23
Payroll taxes, 110, 114, 132–133
PCs (personal computers), 205–206
Pension fund financing, 74
Percentage of sales clauses, 111–112
Personal bankruptcy, 190–191
Personal business background, 2, 13–17,
159
Personal Financial Statement
annual income, 86, 94–96
annual living expenses, 97–99
assets, 85–90
CD-ROM instructions, 85
completing your, 100
co-owned property note, 85
liabilities, 90–93
net worth, 93
overview on, 85
as part of business plan, 2, 159
sample pages, 87–89, 91–92, 95–96,
98–99
verifying the accuracy of, 100
Personal goals, typical, 12–13
Personal goal statement, 162, 164
Personality assessment, 13–17
Personal living expenses, 97–99
Personal property, 90, 93
Personal savings, 60–62
Personnel. See Employees
Personnel agency, 39
Personnel plan, 2, 152–156, 159
Photocopying business, 129–132, 135
Physical inventory, 120
Piece-rate wages, 106, 110
Pitching. See Selling your business plan
Pizza business, 27
Plan summary, 2, 135, 158–162, 163
Positive business facts outline, 160–161
Positive cash flow, 134
Preopening costs, 122, 135–136, 160
Preopening promotion, 145–147
Prepayment penalties, 51
Principal payments, 51, 65–66, 117, 133
Private offerings, 75
Problem areas, potential, 184–189
Problem statement, 2, 27, 140, 158
Product development, 32, 165