THE LIBERAL NEWS™ © Assisting single mothers by our 441 society plan. The Gospel Followers of JESUS CHRIST[sm]© Editor: Dr. Stephen-James Warner

Saving the World; One Person At A Time[sm] = Make Every Day Christmas; Every Night Christmas Eve!

 

FRONTPAGE

GOSPEL FOLLOWERS OF JESUS

PROTECT OUR TRADEMARK

Preface

Trustworthys

HONORABLE TRUST SITES

HON DYLAN RATTIGAN&CHENK

KEITH OLBERMANN

HONORABLES 2011

>>>>>WORTHY OF TRUST

HonorAwards

THE 441 SOCIETY

Financial

>>>>>OUR RESEARCH

Statistics=Factoids

SITE MISSION MAP CONTENT

GAO,CBO,CENSUS

>>>>>OUR BOOK REVIEWS

>>>>>WHAT ARE THE ISSUES

Opinion=Remarks

NegativeViews2Depressing

Gloom and Doom Grimms

theliberalnews.org!

the prophet?

The Dishonorables

DEMAGOGUE = BECK

Site Map

TV COMMERCIAL 4 REFORMS

ADVERTISING HONOR SYSTEM

911

BLOGS BLOGGER.COM

HEALTH-CARE PROFITEERING

STOP HEALTH MONOPOLY

HEALTH WAGE PRICE CONTROL

21ST CENTURY POL PARTY

PREJUDICE>FREE-MASONS

CYNIC'S CORRUPTION LIST

STOP SYSTEMIC CORRUPTION

NEED NATIONAL PROTESTS

DC MARCH LIVING WAGE JOB

UNIONS=LABOR ALLIANCES

RIGHT TO LIVING WAGE

BUY AMERICAN MOVEMENT

ECONOMIC CONVENTION PLAN

2011=USA MUST START OVER

OUTLAW OUTSOURCING

START REBUILD AMERICA

AlternativeEnergy=PickOne

Quick Use Energy Sources

CUTTING CARBON ILLUSION

Clean Coal Slurry

Coal Gasification Clean

High-Octane Furnaces

Co-generation Plants

Underground Nuclear

Uniform Nuclear Design

Windmill Design Invention

WINDMILL INVENTION NOW!

NEED FORBES FLAT TAX NOW!

CREATE NEW MANUFACTURING

BusinessIndustrialComplex

BANKS INVEST USA OR TAXED

STOP EXPORT US CAPITAL

AMERICA FIRST= INVESTMENT

SaveUSCapitalFutureInvest

USA REFORMS 2011

SOLUTIONS-REFORMS

Specific Solutions

Robotics

ANTI-TRUST LAWS> MONOPOLY

MONOPOLYvsFREE ENTERPRISE

CORP. MONOPOLIES RUN USA

USA A TWO-CLASS SOCIETY

TOP 10% GET 50% INCOME

NEW PARTY DEMS & REPS

NO REPUBLICANS OF OLD

DEBT DEFICIT FALSEHOOD

DEFICIT? TAX THE RICH

NO CUTS SOC.SEC. MED

15% MIN. CORPORATE TAX

WANT OUR TRILLIONS BACK

WEALTH-CLASS-TOP3% GREED

Greedhead Greedism

Wealth-Investor Class

Concentration Wealth

Yuppie1

Yuppie2

No Wealth Envy

9th, 10th Comandments

>>>>>CLASSES AT WAR?

GREEDISM TOP 1%

Stratification

Hamiltonians

Founding Fathers

Oligarchy=Aristocracy

No Ruling Class

Jeffersonians

Few vs Many

Opportunity For All

Prosperty For All

>>>>>INCOME WANT OR NEED

Income Inequality

MC Income Crisis

Future $ Inequality

% Falling Into Poverty?

>>>STATISTICS POPULATION

Population Statistics

Top1%pop.=2,989,900

Top3%pop.=8,969,724

Top5%pop.=14,949,950

Top10% pop.=29,899,084

Top 20% -Quintile

Top20% pop=59,798,168

80%=240 Million?

World: 6.5 Billion

Top1%3%5%Inc=

Top20%Income:

The Mid-60%ers Income:

>>>>>CREATING INCOME

Creating Income For All

The How To:

No Minimum Wage!

Right To Life

Living Wage

>>>>>THE POOR

US Poor's Rights

Underclass Income:

Working Poor's Rights

African-American Rights

New Orleans - Hello?

Bottom20%Income=

NAT.ECONOMICS CONVENTION

NAT. CONVENTION ISSUES

Edisonian Age Invention

Streamline=Truman

Technology Jump

National Reassessment

Practical Techno

Starting All Over!

>>21st CENTURY NEW VISION

Brainstorming

FUTURISM FUTURE YESTERDAY

The Great Rethinking

National Convention

Time To Readjust=RETHINK

On-Line Convention?

PRESIDENT OBAMA

No Half Measures

RICO CROOKS WALL STREET

WALL STREET NO LEARN

PROFIT NOT PROFITEERING

PRICE GOUGING = PREDATORY

Gouging = Crime

FORECLOSURE MORATORIAM

PREDATORY INTEREST =USURY

OUTLAW OUTSOURCING 3YRS

Missions

LOCALIZATION VS GLOBALIZ.

USA DEMOCRACY-OLIGARCHY?

CORPORATE RULE=OLIGHARHY

Predatory Business

My Corp.=My Country

Career Whores

Chartered>Public Interest

Anti-Trust Laws

Corporatism

Artificial Price Fixing

Corporatocracy

Artificial Entities

Corporate Governance

Monopolies

Oligopolies

Corporate Socialism

>>>>>BIG BROTHERS EXIST

Twin Big Brothers

Big Brother Corporation

Government By Corporation

BigBrotherGovernment=Rule

DEATH OF MIDDLECLASS

SELLOUT OF AMERICAN DREAM

5 Paychecks Away

Advocacy for:

3 not 2 Tier America

What Future Jobs?

What American Dream?

IT Tech Jobs Lost

Import IT Replacements?

Givebacks

Takeaways

Worker Buy-Outs

Forced Retirement

Downsizing

Pensions Vanish

Import Replacements

Forced Part-Time Jobs

No Overtime

Falling From MC

Angry White Males

New Working-Poor Class

>>>FORCED WAGE REDUCTIONS

ECONOMIC COLLAPSE 2012?

U.S. Crises

Capitalism

Doing Business

Property Rights

OwnershipPropertyRights

Labor Not Commodity

Eminent Domain?

>>>>>US ECONOMY COLLAPSE

Economic Collapse?

1declineUS

2declineUSA

3declineUS

Great Depression II?

>>>>>DISMEMBERMENT OF US

Deindustrialization

Canabalization

Hostile Takeovers

>>>>>NO FUTURE JOBS

50% Manufacturing Lost?

50% Mfg. Jobs Lost?

Export America?

Outsourcing Unlimited

NEEDED POLITICAL REFORMS

WhitehouseSenateHouse

POLITICAL REALIGNMENT

Corporate Contributions

Candidates Bought

Corporate Lobbyists

National Security

Unconst.National Security

Secret Democratic Govern

>>>>The Former Politician

Ostracized Politician

Corp. Political Parties

>>>>>POLITICAL PHILOSOPHY

Liberals

Conservatives .

Hon. Conservatives

Non-Partisan =Sen. Byrd

Statesman Not Politician

Spoiled-Brat Rich Kids

Moderates? The People

Independents? The People

No US Reds or Blues

>>>>BROADBASED CORRUPTION

Legal Corruption

"Crookery"

Kickbakery Contratery$

The Revolving Door?

Retire: Get Mine:

Public-Self-Service

>>>>>BUREAUC"RATS"

Bureaucrat Sell-Outs

The 3 to 2 Reform

FISCAL MADNESS BANKRUPTCY

Fiscal Nightmare

OverwhelmingNationalDebt

Interest National Debt!

Budget Madness?

Impossible Budget Deficit

Is USA Bankrupt?

>>>>>WHO PAYS THE TAXES

Taxes! Who Pays?

Federal, State & Local

Stevie's Flat Tax

Import Tax Pay Uni.Health

>>>>>BALOONING DEBT

Mortgage Rates Skyrocket

Debt Slaves

Credit Cards

Usury Interest Rates

No M-C Bankruptcy

ABOLISH GERRYMANDERING

NEED FULL TIME CONGRESS

SLAM REVOLVING DOOR

1 FED PURCHASING AGENCY

NO ANONYMOUS CPM CONTRIBS

ABOLISH PATRIOT ACT?

ELECTION REFORMS

$10 Yr. Public Financing!

Public Financing$10 Year

Competitive Redistricting

Redistricting Commissions

Gerrymandering

Uniform Code Elections

Bobby Kennedy's Book

Election Fixing EZ

EZ Fix Electronic Vote

Electronic Voting?

Paper Ballot Solution

Electoral College Abolish

PUBLIC FIN. CAMPAIGNS $10

ABOLISH PORK

FEDERAL LAW REFORM

RIGGED FED CONTRACTS

Gov. Contacts:

One Federal Purchaser

1 FED ACCOUNTING SYSTEM

CONSTITUTIONAL AMENDMENTS

New Amendments

National Referrenda Amd.

%Direct Democracy

Resolve MORAL? 3/4th Vote

3/4ths Vote Adoption

Imp. Privacy Amendment

Elect Supreme Court

Elect All Judges

Term-Limits-Generous

White Collar Crime

Ethics =Crime?

Crime Facts -Incredible

Juries Not Dumb

Supreme Court Elected

$10.00Public Financing

>>>>>INTERSTATE COMPACTS

State Law Computerization

Uniform Codes of:

Judicial Ethics Elections

Attorneys Practice of Law

PoliceProfessional Ethics

SUPREME COURT

U.S. Supreme Court

Judicial Safeguards?

Constitution Liberty

Democracy

Elitisn v Democracy

Secret Democracy? What?

Nullification Democracy

Liberty ? Security

No Privacy No Liberty

Government Intimidation

Surveillance

No Probable Cause

Suspicion Alone=Fear

ABOLISH NAFTA ET AL

FALLACIOUS BANRUPTCY

Chapter 11 Abuse

Federal Courts Complicit?

>>>>>THE CONSTITUTION

Big Brother Government

SpeechPress

Chilling Free Speech

Only Positive Press=OK

Unpopular Speech Not Free

Journalist Judases

The Treason Card!

The Upatriotic Label Fear

Paranoia Rules

Conspiracy of Silence?

IMPEACH SUPREME COURT 5

IMMIGRATION SOLOMON'S WAY

Illegal Immigration

Mexico's Aristocracy

Import Cheap Labor

Underclass

ABOLISH NAFTA-TYPE TRADE

FOREIGN TRADE PREDATORS

GLOBALIZATION KILLING USA

Gradualism

Giveaway Trade

Alliance For Progress

GLOBALISM KILLING AMERICA

NoGiveaway Trade

>>>>>FAST-TRACK NIGHTMARE

Junk:Nafta,Cafta,WTO

Trade Deficit-U.S.

WTO=Supreme Law

Buying Time

Public National Interest

Reciprocal Trade

Mad-Rush Dump USA

Dump U.S. = Dump U

Dump GM, Ford Delphi

MergeGM,FORD,Delphi

>UNTRADE-NO QUID PRO QUO

Predatory Trade

Dumping Imports

Defect. Component Parts

Defect. Military Parts

Exploit Global Poor

Trade Slavery

Sweat Shops

>>>>>CHINA IS A THREAT

Communist Aristocrats

Slave-Waged Chinese

Tade Deficit

Prison Child Female Labor

Wal-Martization

The China Price

China Militarism

China Western Hemisphere?

>>>>>US FOREIGN OWNERSHIP

Foreign Investment

Control of Management

Foreign-Owed Debt

Selling-Off America

Infrastructure

Selling Public Assets

EconomicUnionOfAmericas

>>>>>JFK'S DREAM

JFK'S New Frontier

Western Hemisphere

Evolutionary Globalism

Common Market Americas

PROTECTIONISM = START-UPS

FOREIGN PREDATORY TRADE

SMALL BUS. PREYED UPON

NEED LOCAL CHAM. COMMERCE

Small Business = Imp!

Chamber: Our Only Hope

Real Free Enterprise

US Predatory Trade

Imports Unfair Price

Fledglings US

>>>>>TYPES OF BUSINESSES

New High-Techs

African-American Business

Women in Business

Women 70%-$1.00

Hispanic Business

Minority Business

Generational Entrepeneurs

JOURNALISM? or CAREERISTS

Constitional Profession

Careerism

Why Excellence Journalism

Corporate Media

J.M.'S ETHICS

Lou Dobbs Format

Bias? Yes. Editorials?

>>>>>IGNORING IMP NEWS

Net and Mainsteam Media

What is THE TRUTH?

Career, Job v Truth

Tabloidism = Profit

Celebrity Obsession

Puffery-Fluffiery

PRIVATE UNIVERSAL HEALTH

UniversaL Insurance Pool

Free Enterprise Health

Bad MASS. Health Plan

Computer Medical Practice

Medical Liability Reform

RXcostGlobalSpread%

HealthPlan1

HealthPlan2

HIGH SPEED RAIL

BUILD HIGH-SPEED RAIL-NOW

EDUCATION REFORM

Juvenile Court=Education

24/7 EDUCATION NETWORK

Police Education Corpse

Bully Sadism

Camera In Class?

Incorrigibles' Schools

Teacher In Charge

Teacher Merit Pay

Regaining Discipline

Principals Elected

Curricula Standardization

Parent Attendance

Trimester School Year

Teachers' Assistants

Day Care Paid

TV Education Networks

>>>>>Computer AudioVisual

Need Bill-Malinda Gates

AV Primary In-Class

Remedial Education

Reading

A-V Education

Text 2 Speech

Computer All Kids

Speech Recognition!

K-12 on DVD

GED by DVD

College?

College on DVDs

PBS Distance Learning

Night High School

Public Service Program

Life Jump-Start Fund

Debt Forgiveness

EnslavedBankruptGraduate

Prison Education

NoGraduate=NoRelease

ENVIRONMENTALISM

Environmental Economics

No Waste Economy

Recycling-Stockpiles

Infrastructure="Americas"

Highways Intercontinental

Electric Grid Continental

Continental Water System

Reforestation Continental

Restocking Oceans

Bering Straits Tunnel

Siberia Development

Nuclear Waste-Siberia?

THE PHILOSOPHER

QUOTATIONS

Philosopher Quotes 1

Philosopher's Quotes 2

Philosopher's Quotes 3

Life's Meaning?

Essays in Philosophy

Codes of Ethics

>>>>>WHO-WHAT IS MAN?

Physiology

Origin of:

Anthropological:

New Species?

Hobbit Man?

Goliath Man?

Who is Man?

>>>>>MAN'S NATURE

>>>>>WHAT IS REASON?

Insanity

Birthright Freedom

Free Intellect

Free Will

Free Choice

Beast -Angel

Is Man Good?

Is Man Evil?

Paradox Man

Who Am I?

Reality

Perception

Deception:

Blind Self-Deception

Illusion

Delusion Self-Bondage

Addiction: Self-Interest

Vanity

Self-Worship?

Hypocrisy Part 1

Hypocrisy Part 2

>>>>>EMOTIONS DRIVE MAN

Pleasure Principle

Sex

Fear Drives Man?

Love Drives Man?

Anxiety=Fear

Anger

Hatred

Violence

Psychology

Escapism

WHAT JC WOULD DO?

US IDEALS-CURRENT REALITY

CHOOSE PEACE OR WAR?

Peace = Prosperity

War=Poverty

USA Cannot Afford It?

Fear-Mongering

Eternal Warfare?

Do Business; Not War

Make Money Not War

NO MORE WAR BASED ECONOMY

NO=MILITARY INDUSTCOMPLEX

PEPETUAL WAR=NEED DRAFT

NO PROFESSIONAL MILITARY

100% Voluntary Military?

MERCENARIES IN IRAQ?

War-Mongering

Killing

Civilian Military? What?

Iraq

Saudis

BUSINESS=PROSPERITY

CUT DEFENSE BUDGET

VETERANS

WAR BRINGS POVERTY

CREATE BUSINESS NOT WAR

BRING BACK DRAFT

LIBERAL NEWS TV

PALLET HOMES

THEOLOGY-JESUS GOSPEL

Parables 1

Parables2

Sermons

Theology Study

The Mystic

Basics of Spirituality

The Soul

Suffering? Secrets in Job

Death

The Light

Near Death Experience

Hell?

the devil?

Heaven?

>>>>>DOES GOD EXIST?

Definitions of GOD

Infinite Faces of God:

>>>>>WHAT JESUS WOULD DO

JudeoChrist.Islamic Ethos

False Prophets

Curses and Woes

150 Commandments?

Other Gospels

Science Studies God

Change: Aristotle, Buddha

Creation Is Evolution

Evolution Is Creation

Present Creation=Eternal

>>>>>WHAT IS SPIRITUALITY

Spiritual Essays

Spiritual Secrets?

>>>>>MAN-MADE RELIGIONS

Is God Religion?

Is Religion God?

Other Religions

Christian Denominations

One Abraham Religion?

Holy Koran Study

>>>>>SPIRITUAL STORIES

The Deaf and Dumb Man

The Butterfly SelfForgive

Of Snakes and Faith

Widow's Son

Prejudice Against Masons

ANTI-SEMITISM=VIGIL

SATIRE

The Satirist

Satire, Sarcasm, Sadism?

Mama

UncleBubba

RabbiMoe

HowPurWerU?

OFFICIAL WYSO(TM) ART

WYSO-TM-ART.CO

WYSO[tm] Art Works

MEMORIES + IN MEMORIAM

Amici In Vivum

PRAYERS FOR:

Personal Memories

Greetings

Archives

Hacked Crushed

NEWARCHIVES

Content:

Blame2009 SOLUTIONS

2009 BLAME PAGE:

NSemployees

BUSINESS = SMALL
       Free Enterprise Markets
       Our Hope
       Capitalism




Where to start?

right here

United States Small Business Administration  
    
SBA  
for layout only  En Español   
Select a Custom View:  Starting   Financing   Managing  Business Opportunities   Disaster Recovery
Starting Your Business    SBA.gov // Library // Publications
   
Publications

TABLE OF CONTENTS
(Click to get Adobe Acrobat Reader)

I. SMALL BUSINESS MANAGEMENT SERIES:

NASCENT- For individuals thinking about going into business
MANAGEMENT AND PLANNING SERIES

   1. Checklist for Going Into Business MP-12
   2. Selecting the Legal Structure for Your Business MP-25
   3. Evaluating Franchise Opportunities MP-26
   4. Handbook for Small Business MP-31
   5. How to Write a Business Plan MP-32

FINANCIAL MANAGMENT SERIES:

   1. ABC's of Borrowing FM-1
   2. Guia Para Obtener Prestamos FM-1S <
   3. A Venture Capital Primer for Small Business FM-5
   4. Budgeting in a Small service Firm FM-8
   5. Financing for Small Business FM-14

MARKETING SERIES

   1. Marketing for Small Business: An Overview MT-2
   2. Researching Your Market MT-8
   3. Selling by Mail Order MT-9

PRODUCTS/IDEAS/INVENTIONS SERIES

   1. Ideas Into Dollars PI-1
   2. Avoiding Patent, Trademark and Copyright Problems PI-2
   3. Trademarks and Business Goodwill PI-3

STARTUP- for those in their first year of business
FINANCIAL MANAGMENT SERIES:

   1. Understanding Cash Flow FM-4
   2. Recordkeeping in a Small Business FM-10
   3. Pricing Your Products and Services Profitably FM-13

MANAGEMENT AND PLANNING SERIES

   1. Business Plan for Small Manufacturers MP-4
   2. Business Plan for Small Construction Firms MP-5
   3. Business Plan for Retailers MP-9
   4. Business Plan for Small Service Firms MP-11
   5. How to Get Started With a Small Business Computer MP-14
   6. Business Plan for Home-Based Business MP-15

MARKETING SERIES

   1. Creative Selling: The Competitive Edge MT-1
   2. Advertising MT-11
   3. Signs: Showcasing Your Business on the Street MT-12

EARLY STAGE- For those businesses in business 1-5 years
MANAGEMENT AND PLANNING SERIES

   1. Problems in Managing a Family-Owned Business MP-3
   2. Planning and Goal Setting for Small Business MP-6
   3. Insurance Options for Business Continuation Planning MP-20
   4. Inventory Management MP-22
   5. Small Business Risk Management Guide MP-28
   6. How to Start a Quality Child Care Business MP-29
   7. Child Day-Care Services MP-30

PRODUCTS/IDEAS/INVENTIONS SERIES

   1. Ideas Into Dollars PI-1
   2. Trademarks and Business Goodwill PI-3

PERSONNEL MANAGEMENT SERIES

   1. Employees: How to Find and Pay Them PM-2
   2. Managing Employee Benefits PM-3

CRIME PREVENTION SERIES

   1. Curtailing Crime - Inside and Out CP-2
   2. No Other Publications in the Crime Series

EMERGING- For those businesses looking to expand or grow
EMERGING BUSINESS SERIES:

   1. Transferring Management/Family Businesses EB-1
   2. Marketing Strategies for Growing Businesses EB-2
   3. Management Issues for Growing Businesess EB-3
   4. Human Resource Management for Growing Businesses EB-4
   5. Audit Checklist for Growing Businesses EB-5 EB-5
   6. Strategic Planning for Growing Businesses EB-6 EB-6
   7. Financial Management for Growing Businesses EB-7

II. SBA FACT SHEETS:

   1. The Facts About... CAPLines Working Capital Loan Program FS-0064 (05/98)
   2. The Facts About... Disaster Assistance Loans for Homes & Personal Property DA-1 (02/02)
   3. The Facts About... Physical Disaster Business Loans DA-2 (02/02)
   4. The Facts About... Economic Injury Disaster Loans For Small Businesses DA-3 (04-97)
   5. The Facts About... The New SBA Franchise Registry FS-0082 (04/99)
   6. The Facts About... Doing Business with the Federal Government FS-0009 (01/99)
   7. The Facts About... Fixed-Asset LoansThrough the Section 504 Certified Development Company Program FS-0070 (03/00)
   8. The Facts About... The MicroLoan Program for Entrepreneurs FS-0068 (07/00)
   9. The Facts About ...Opportunities in Exporting FS-0061 (8/96)
  10. The Facts About... SCORE FS-0016 (05/00)
  11. The Facts About... The Economic Impact of Small Businesses FS-0040 (07/01)
  12. The Facts About... Small Business Development Center Program FS-0043 (11/00)
  13. The Facts About... Equity Investment Sources for Small Business - The Small Business Investment Company Program FS-0069 (03/00)
  14. The Facts About... Starting a Small Business CO-0028 (01/02)
  15. The Facts About ...The Surety Bond Guarantee Program FS-0021 (09/00)
  16. The Facts About... The U.S. Business Advisor FS0014 (07/97)
  17. The Facts About ...Welfare-to-Work Initiative FS-0078 (05/98)
  18. The New DELTA - The Defense Loan and Technical Assistance Program CO-0025 (07/98)
  19. The Facts About... The Y2K Action Loan for Small Businesses FS0084 (06/99)
  20. The Facts About... SBA on the Information Superhighway FS0065 (03/00)
  21. The Facts About... CommunityExpress FS0041 (03/00)
  22. The Facts About... Veterans Business Outreach Centers FS0085 (03/00)
  23. The Facts About... PRO-Net® CO0074 (06/00)
  24. The Facts About... Mentor/Protégé Program for 8(a) Participants CO0093
  25. The Facts About... Small Business Education on the Internet - The Small Business Classroom FS0086 (10/00)
  26. The Facts About... Low Documentation Smaller Business Loans - The SBALowDoc Loan Program CO0039 (01/01)
  27. The Facts About... The Small Business Loan Prequalification Program CO0076 (09/99)
  28. The Facts About... The WNET Roundtable - The Small Business Mentoring Program for Women FS0088 (10/01)
  29. The Facts About... Drug Free Workplaces FS0011 (02/02)
  30. The Facts About... The Supplemental Terrorist Activity Relief Loan Program CO0117 (04/02)

III. WORKBOOKS:

   1. Business Plan Workbook
   2. Marketing Plan Workbook
   3. Financing Workbook
   4. Franchising Workbook

IV. SUCCESS SERIES:

   1. Small Business Success Series Vol. 1 - Starting a Business
   2. Small Business Success Series Vol. 2 - Considerations
   3. Small Business Success Series Vol. 3 - Marketing a Business
   4. Small Business Success Series Vol. 4 - Business Survival
   5. Small Business Success Series Vol. 5 - Winning Business
   6. Small Business Success Series Vol. 6 - International Trade & More
   7. Small Business Success Series Vol. 7 - Secrets to Success
   8. Small Business Success Series Vol. 8 - The 21st Century
   9. Small Business Success Series Vol. 9 - Improving Your Business
  10. Small Business Success Series Vol. 10 - Telecommunications and More
  11. Small Business Success Series Vol. XI
  12. Small Business Success Series Vol. XII
  13. Small Business Success Series Vol. XIII
  14. Small Business Success Series Vol. XIV
  15. Small Business Success Series Vol. XV

A. EMERGING BUSINESS SERIES

1. TRANSFERRING MANAGEMENT/FAMILY BUSINESSES EB-1:   Help your family business successfully survive the transfer of ownership from generation to generation. Proper planning is the key.

| Word 97 | Text | PDF |
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2. MARKETING STRATEGIES FOR GROWING BUSINESSES EB-2:   Unravel the mystery of marketing -- putting the customer first -- and discover practical marketing approaches to budgeting, layout and design, copy-writing, media analysis and more.

| Word 97 | Text | PDF |
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3. MANAGEMENT ISSUES FOR GROWING BUSINESSES EB-3:   Learn to examine the marketplace environment and create employment and profit opportunities that provide growth and financial viability to your business through effective management.

| Word 97 | Text | PDF |
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4. HUMAN RESOURCE MANAGEMENT FOR GROWING BUSINESSES EB-4:   Uncover the characteristics of an effective personnel system and training program. Learn how these functions come together to build employee trust and productivity.

| Word 97 | Text | PDF |
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5. AUDIT CHECKLIST FOR GROWING BUSINESSES EB-5:   Designed with the small business in mind, this audit checklist helps the entrepreneur conduct a comprehensive search for existing and potential problems and opportunities.

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6. STRATEGIC PLANNING FOR GROWING BUSINESSES EB-6:   Strategic planning is not just for big business. Learn to effectively match your business' strengths to available opportunities by developing a clear mission statement, goals and objectives.

| Word 97 | Text | PDF |
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7. FINANCIAL MANAGEMENT FOR GROWING BUSINESSES EB-7:   Develop a comprehensive financial plan outlining the assets, debts and current and future profit potential of your business through effective financial management.

| Word 97 | Text | PDF |
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B. FINANCIAL MANAGEMENT SERIES

1. ABC's OF BORROWING FM-1:   This best seller tells you what lenders look for and what to expect when borrowing money for your small business.

| Word 97 | Text | PDF |
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2. ELEMENTOS BASICOS PARA PEDIR DINERO PRESTADO FM-1S: Esta publicación le da a conocer lo que los prestatarios buscan y lo que esperan de usted cuando pide dinero prestado para su pequeño negocio.

| Word 97 | PDF |
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3. UNDERSTANDING CASH FLOW FM-4:   The owner/manager is shown how to plan for the movement of cash through the business and thus plan for future requirements.

| Word 97 | Text | PDF |
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4. A VENTURE CAPITAL PRIMER FOR SMALL BUSINESS FM-5:   Learn what venture capital resources are available and how to develop a proposal for obtaining these funds.

| Word 97 | Text | PDF |
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5. BUDGETING IN A SMALL SERVICE FIRM FM-8:   Learn how to set up and keep sound financial records. Study how to effectively use journals and ledgers and charts to increase profits.

| Word 97 | Text | PDF |
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6. RECORDKEEPING IN A SMALL BUSINESS FM-10:   Need some basic advice on setting up a useful record keeping system? This publication describes how.

| Word 97 | Text | PDF |
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7. PRICING YOUR PRODUCTS AND SERVICES PROFITABLY FM-13:   Discusses how to price your products profitably, plus various pricing techniques and when to use them.

| Word 97 | Text | PDF |
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8. FINANCING FOR SMALL BUSINESS FM-14:   Learn how, when and where to find capital for business needs including step-by-step instructions.

| Word 97 | Text | PDF |
[Back to Table of Contents] - [Back to Top of Page]

C. MANAGEMENT AND PLANNING SERIES

1. PROBLEMS IN MANAGING A FAMILY-OWNED BUSINESS MP-3:   Specific problems exist when attempting to make a family-owned business successful. This publication offers suggestions on how to overcome these difficulties.

| Word 97 | Text | PDF |
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2. BUSINESS PLAN FOR SMALL MANUFACTURERS MP-4:   Designed to help an owner/manager of a small manufacturing firm, this publication covers all the basic information necessary to develop an effective business plan.

| Word 97 | Text | PDF |
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3. BUSINESS PLAN FOR SMALL CONSTRUCTION FIRMS MP-5:   This publication is designed to help an owner/manager of a small construction company pull together the resources to develop a business plan.

| Word 97 | Text | PDF |
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4. PLANNING AND GOAL SETTING FOR SMALL BUSINESS MP-6:   Learn proven management techniques to help you plan for success.

| Word 97 | Text | PDF |
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5. BUSINESS PLAN FOR THE SMALL RETAILER MP-9:   Business plans are essential road maps for success. Learn how to develop a business plan for a retail business.

| Word 97 | Text | PDF |
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6. BUSINESS PLAN FOR SMALL SERVICE FIRMS MP-11:   Outlines the key points to be included in the business plan of a small service firm.

| Word 97 | Text | PDF |
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7. CHECK-LIST FOR GOING INTO BUSINESS MP-12:   This is a must if you're thinking about starting a business. It highlights the important factors you should know in reaching a decision to start your own business.

| Word 97 | Text | PDF |
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9. COMPUTERIZING YOUR BUSINESS MP-14: Helps you forecast your computer needs, evaluate the alternatives and select the right computer system for your business.

| Word 97 | Text | PDF |
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10. BUSINESS PLAN FOR HOME-BASED BUSINESS MP-15:  Provides a comprehensive approach to developing a business plan for a home-based business.

| Word 97 | Text | PDF |
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12. INSURANCE OPTIONS FOR BUSINESS CONTINUATION PLANNING MP-20:  This publication discusses the life insurance needs of a small business owner and how important business life insurance is when planning for the future of business.

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13. INTRODUCTION TO STRATEGIC PLANNING MP-21:   This best seller helps you develop a strategic action plan for your small business.

| Word 97 | Text | PDF |
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14. INVENTORY MANAGEMENT MP-22:  Discusses the purpose of inventory management, types of inventories, record keeping and forecasting inventory levels.

| Word 97 | Text | PDF |
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15. SELECTING THE LEGAL STRUCTURE FOR YOUR BUSINESS MP-25:   Discusses the various legal structures that a small business can use in setting up operations. It identifies types of legal structures and the advantages and disadvantages of each.

| Word 97 | Text | PDF |
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16. EVALUATING FRANCHISE OPPORTUNITIES MP-26:   Evaluate franchise opportunities and select the business that's right for you.

| Word 97 | Text | PDF |
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17. SMALL BUSINESS INSURANCE & RISK MANAGEMENT GUIDE MP-28:   This guide can help you strengthen your insurance program by identifying, minimizing and eliminating business risks.

PDF | En Español
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18. HOW TO START A QUALITY CHILD CARE BUSINESS:  This comprehensive manual developed by child care professionals in both private and public sectors, explains the business and academic dimensions of operating a child care center.

| Word 97 | Text | PDF |
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19. CHILD DAY-CARE SERVICES MP-30:   An overview of the industry, including models of day-care operations.

| Word 97 | Text | PDF |
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20. HANDBOOK FOR SMALL BUSINESS MP-31:   Handy information for getting started - in a new publication developed by the SBA's Service Corps of Retired Executives (SCORE).

| Word 97 | Text | PDF |
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21. HOW TO WRITE A BUSINESS PLAN MP-32:   What you need to know to write a good plan at the start. It can save your business down the line.

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D. MARKETING SERIES

1. CREATIVE SELLING: THE COMPETITIVE EDGE MT-1:   Explains how to use creative selling techniques to increase profits.

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2. MARKETING FOR SMALL BUSINESS: AN OVERVIEW MT-2:   Provides an overview of marketing concepts and contains an extensive bibliography of sources covering the subject of marketing.

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3. RESEARCHING YOUR MARKET MT-8:   Learn inexpensive techniques that you can apply to gather facts about your customer base and how to expand it.

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4. SELLING BY MAIL ORDER MT-9:   Provides basic information on how to run a successful mail order business. Includes information on product selection, pricing testing and writing effective advertisements.

| Word 97 | Text | PDF |
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5. ADVERTISING MT-11:   Advertising is critical to the success of any small business. Learn how you can effectively advertise your products and services.

| Word 97 | Text | PDF |
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6. SIGNS: SHOWCASING YOUR BUSINESS ON THE STREET - MT-12:   For most businesses, good signage is the most economical and efficient form of attracting customers.

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E. PRODUCTS/IDEAS/INVENTIONS SERIES

1. IDEAS INTO DOLLARS PI-1:   This publication identifies the main challenges in product development and provides a list of resources to help inventors and innovators take their ideas into the marketplace.

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2. AVOIDING PATENT, TRADEMARK AND COPYRIGHT PROBLEMS PI-2:    Learn how to avoid infringing the rights of others and the importance of protecting your own rights.

| Word 97 | Text | PDF |
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3. TRADEMARKS AND BUSINESS GOODWILL PI-3:   Learn what trademarks are and are not and how to get the most protection for your commercial name.

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F. PERSONNEL MANAGEMENT SERIES

1. EMPLOYEES: HOW TO FIND AND PAY THEM PM-2:   A business is only as good as the people in it. Learn how to find and hire the right employees.

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2. MANAGING EMPLOYEE BENEFITS PM-3:   Describes employee benefits as one part of a total compensation package and discusses the proper management of benefits.

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G. CRIME PREVENTION SERIES

1. CURTAILING CRIME - INSIDE AND OUT CP-2   Includes measure to safeguard against employee dishonesty, shoplifting, bad check passing, burglary and robbery.

| Word 97 | Text | PDF |
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2. NO OTHER PUBLICATIONS IN THE CRIME SERIES

II. SBA FACT SHEETS:

1. The New SBALowDoc and SBAExpress Programs:   Describes the changes to the popular LowDoc and former FASTRAK loan programs

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2. The Facts About ... Business Information Centers (BICs):   Business Information Centers (BICs) provide a one-stop location where current and future small business owners can receiveassistance and advice.

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3. The Facts About... CAPLines Working Capital Loan Program FS-0064 (05/98):   CAPLines is the U.S. Small Business Administration's umbrella lending program that helps small businesses meet their short-term and cyclical working-capital needs.

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4. The Facts About... Disaster Assistance Loans for Homes & Personal Property DA-1 (8/96):   If you are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration - even if you don't own a business.

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5. The Facts About... Physical Disaster Business Loans DA-2 (02/02):    If your buisness -- large or small -- has suffered physical damage as a result of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration.

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6. The Facts About... Economic Injury Disaster Loans For Small Businesses DA-3 (04-97):    If your small business has suffered substantial economic injury, regardless of physical damage, as a result of a disaster, you may be eligible for financial assistance from the U.S. Small BusinessAdministration.

| Word 97 | TXT | PDF |
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7. The Facts About... The New SBA Franchise Registry FS-0082 (04/99):    The SBA Franchise Registry is a national registry of franchise programs whose franchisees and prospective franchisees receive expedited loan processing when applying for SBA financial assistance.

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8. The Facts About... Doing Business with the Federal Government FS-0009 (01/99):   The SBA works closely with other federal agencies and the nation's leading federal contractors to ensure that small businesses obtain a fair share of government contracts and subcontracts.

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9. The Facts About... Fixed-Asset Loans Through the Section 504 Certified Development Company Program FS-0070 (03/00):    Commonly referred to as the 504 Program, it is designed to promote local economic development by helping healthy, growing businesses finance the acquisition of long-term fixed assets, such as land, buildings, machinery and equipment, or the building, modernizing, renovating or restoring of facilities.

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10. The Facts About... The MicroLoan Program for Entrepreneurs FS-0068 (07/00):    Under the MicroLoan Program, the SBA makes funds available to qualified nonprofit organizations, which act as intermediary lenders. The intermediaries use these funds to make loans of up to $25,000 to new and existing small businesses.

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11. The Facts About ...Opportunities in Exporting FS-0061 (8/96):    Exporting can mean big profits for a small business. If you are not exploring export markets, you may be missing out on a worldof opportunity.

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12. The Facts About... SCORE FS-0016 (05/00):   The Service Corps of Retired Executives, is a 12,400-member volunteer association sponsored by the U.S. Small Business Administration. It matches volunteer business-management counselors with present and prospective small business owners in need of expert advice.

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13. The Facts About ...The Economic Impact of Small Businesses FS-0040 (07/01):    By any measure, small businesses make large contributions to the American economy.

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14. The Facts About... Small Business Development Center Program FS-0043 (11/00):  SBDCs offer one-stop assistance to small businesses by providing a wide variety of information and guidance in central and easily accessible branch locations. The program is a cooperative effort of the private sector, the educational community, and federal, state and local governments.

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15. The Facts About... Equity Investment Sources for Small Business - The Small Business Investment Company Program FS-0069 (03/00):    Congress created the Small Business Investment Company Program in 1958 to fill the gap between the availability of venture capital and the needs of start-up and expanding small businesses. Licensed and regulated by the U.S. Small Business Administration, SBICs are privately owned and managed, profit-motivated investment firms.

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16. The Facts About ...Starting a Small Business: CO-0028 (01/01)   Starting and managing a business takes motivation, desire and talent. It also takes research and planning. Lack of planning is one of the leading causes of business failures.

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17. The Facts About ...The Surety Bond Guarantee Program FS-0021 (09/00) :   The Surety Bond Guarantee Program provides small and minority contractors with contracting opportunities for which they could not otherwise compete.

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18. The Facts About... The U.S. Business Advisor FS0014 (07/97):    The One-Stop Electronic Link to the Federal Government for Business.

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19. The Facts About ...Welfare-to-Work Initiative FS-0078 (05/98):   The SBA is helping small businesses gain access to a new pool of potential workers as well as helping former welfare recipients become entrepreneurs.

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20. The New DELTA - The Defense Loan and Technical Assistance Program CO-0025 (07/98):    If cuts in defense spending have hurt businesses in yourarea, you need DELTA.

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21. The Facts About... The Y2K Action Loan for Small Businesses FS0084 (06/99):    If your small business is in need of capital to ensure that it will be "Y2K OK," then the U.S. Small Business Administration may be able to help.

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22. The Facts About... SBA on the Information Superhighway FS0065 (03/00):    The U.S. Small Business Administration has made it easier than ever to speed along the information superhighway to find exactly the right help in the shortest amount of time.

| HTML | Word 97 | PDF |
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23. The Facts About... CommunityExpress FS0041 (03/00):    CommunityExpress combines the SBA’s small business lending and technical assistance with the NCRC’s community development expertise to help entrepreneurs in traditionally underserved areas.

| HTML | Word 97 | PDF |
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24. The Facts About... Veterans Business Outreach Centers FS0085 (03/00):    Established in 1999, the program features business training, counseling, technical assistance and mentoring for service-disabled veterans who are already business owners or who want to become business owners.

25. The Facts About... PRO-Net® CO0074 (06/00):    The Web Site for Buyers and Sellers of Small Business Goods and Services.

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27. The Facts About... Mentor/Protégé Program for 8(a) Participants CO0093:    If you’re a small business owner classified as socially and economically disadvantaged, you can turn to the U.S. Small Business Administration for in-depth business advice to become more competitive in obtaining federal government contracts.

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28. The Facts About... A Small Business Education on the Internet - The Small Business Classroom FS0086 (10/00):    Knowledge is power, so the old saying goes. And that’s especially true in today’s world of small business ownership. By knowing where to quickly obtain help with marketing your products and services, with training your employees, or with a variety of other entrepreneurial challenges, you are positioning your business to succeed in the global economy.

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29. The Facts About... Low Documentation Smaller Business Loans - The SBALowDoc Loan Program CO0039 (01/01):    A U.S. Small Business Administration guaranty enables lenders to make loans they might not otherwise make on their own. Once a small business borrower completes a private lender’s application and meets the lender’s requirements, the lender may request an SBALowDoc guaranty. The guaranty request is a quick, two-step process.

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30. The Facts About... The Small Business Loan Prequalification Program CO0076 (09/99):    The U.S. Small Business Administration has created this program to help all small business and to assist "new markets" in particular with the small business loan-application process. New markets are those segments of the small business community that traditionally may have been underserved by the lending community.

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31. The WNET Roundtable The Small Business Mentoring Program for Women FS0088 (10/01):    If you're a woman who is new to owning a business, seasoned advice from experienced women business owners can be invaluable. The U.S. Small Business Administration established the Women's Network for Entrepreneurial Training in 1988 as a one-to-one mentoring program that matched successful businesswomen with emerging entrepreneurs in mentor/protégée relationships.

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32. Drug Free Workplaces FS0011 (02/02):    Drug and alcohol abuse cost America’s small businesses billions of dollars every year. But small business owners can fight back with help from the U.S. Small Business Administration.

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33. The Supplemental Terrorist Activity Relief Loan Program FS0117 (04/02):    Loans may be used for any business purpose For businesses adversely affected by the events of Sept. 11, 2001 With a lower lender annual fee A special, limited-time SBA 7(a) business loan program

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III. SBA WORKBOOKS:

1. Business Plan Workbook (09/97):    Use this model as a guide when developing the business plan for your business.

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2. Marketing Plan Workbook (09/97):    Marketing plays a vital role in successful business ventures. How well the plan you develop markets your business, along with the management and financial management plans, will ultimately determine your degree of success or failure.

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3. Financing Workbook (06/98):    This module is designed to familiarize you with the Business Loan Programs of the SBA.

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4. Franchising Workbook (11/97):   If you are concerned about the risk involved in a new, independent business venture, then franchising may be the best business option for you.

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IV. SUCCESS SERIES:

1. Small Business Success Series - Vol. 1 - Starting a Business:    Winning Ideas for Small Business Success. Are You Making a Profit? Quiz for Small Business Success. International Trade.

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2. Small Business Success Series - Vol. 2 - Considerations:    Plan Your Business. Legal Structure. Home-Based Business. Finding Mr./Ms. (B)right. Business Incubators. Financing.

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3. Small Business Success Series - Vol. 3 - Marketing a Business:    Customer Service. Marketing Research. What is Advertising.

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4. Small Business Success Series - Vol. 4 - Business Survival:    Computer: Good As It's Software. Financing Options. 14 Survival Tips. How to Prepare a Loan Package. Selling Your Business.

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5. Small Business Success Series - Vol. 5 - Winning Business:    Relationship Selling. CO-OP Helps Stretch Ad Dollars. Advertising in a Nutshell. 15 Foolproof Promotion Ideas. 10+1 Ways to a Winning Business. Business Plan Checklist. Sample Cash Budget. Do You Have What It Takes? Financial Status Checklist. Evaluating Prospective Sites. How Much Money Do You Need.

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6. Small Business Success Series - Vol. 6 - International Trade & More:    Buying Insurance. Desktop Publishing. Boosting Employee Morale. Employee Training. Marketing to Minorities. Outsmarting the Competition. International Trade. Getting Paid What You're Owed. Reduce Overhead. Managing Your Business Finances. Substance Abuse at Workplace. Preventing Employee Theft. When Enough is Really Enough. Entrepreneurship Education.

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7. Small Business Success Series - Vol. 7 - Secrets to Success:    Protecting Your Business. 10 Steps To A Voice Mail System. Software Piracy. Taking Business On The Road. Spending Less. Making Your Banker A Friend. Never Take No For An Answer. Unleashing Your Hidden Power. Succession Planning. Take The Misery Out Of Moving. Disaster Planning & Recovery. What A Difference A Name Makes. Competing With Chains. Targeting The Youth Market. A Primer on Advertising.

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8. Small Business Success Series - Vol. 8 - The 21st Century:    Future Flux. High Growth Companies. Success in the 21st Century. Marketing in the New Millenium. Giving Back to the Community. Ethnic Marketing. Trade Shows. The Ancient Art of Bartering. Avoiding Fraud and Forgery. Vacation and Leave Policies. Managing Workplace Diversity. Bringing Back Downtown. Export Hotline. Serving Your Country Profitably. Where to Find Help.

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9. Small Business Success Series - Vol. 9 - Improving Your Business:    Small Businesses Cast A Big Shadow At White House Conference. Big Government Tries To Meet Small Business Halfway. Two Dozen Do's And Don'ts For Home Business Success. Developing A Business Plan: Your Roadmap To Success. Navigating Through The Retirement Planning Maze. Packaging Your Business: How To Harness Image As A Marketing Tool. 12 High-Impact Marketing Programs You Can Implement By Next Thursday. Demystifying The Internet: Technology Makes A Global Leap. Tapping Into The Information Superhighway's Resources. A Step-By-Step Guide To Going On-Line. Security On The Information Superhighway. How To Improve Your Yellow Pages Advertising. Learning To Cope With Stress: The Malady Of Modern Society. Don't Make The Mistake Of Using Your Accountant Only At Tax Time. The Entrepreneur As Controller: Software Makes It Easy.

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10. Small Business Success Series - Vol. 10 - Telecommunications and More:    Get Back On Track. Protecting Your Assets. Franchising. Patents, Trademarks & Copyrights. First Impressions. Pricing. Expansion. Finance. Internet. Telecommunications. Reaching The Market. Ergonomics. Managing. Health Care. Employee Handbook. Women's Businesses. Defenders. Disaster Help.

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Small Business Success Series - Vol. XI - Articles
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Small Business Success Series - Vol. XII - Articles
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Small Business Success Series - Vol. XIII - Articles
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Small Business Success Series - Vol. XIV - Articles
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Small Business Success Series - Vol. XV - Articles
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PUBLICATIONS - GENERAL
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SBA  Profile  10/02  SBA Profile: Who We Are & What We Do  PDF Profile  Text Profile
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Scenario Planning for Your Small Business’s Future

By Sue Hartman
The Hartman Group

You wouldn’t think that looking into a crystal ball would be a productive use of your time, but looking into the future is exactly what most small businesses must do on a regular basis. Scenario planning is crucial to small business success.

What is Scenario Planning?
Scenario planning involves looking at a number of vectors and asking, “What will the future look like for this vector?” in order to paint a picture of the future. You should look at:

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      Technology
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      Customer needs
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      Suppliers
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      The environment
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      Organizational dynamics

The objective is to identify the most probable change in dynamics and to understand how those changes will affect your business. You may not have gotten each scenario exactly right, but at least when change occurs you are prepared to be proactive rather than reactive.

How Often Should Business Owners Engage in Scenario Planning?
Most small businesses say they’ll put a stake in the ground and think that everything will remain constant. The truth is that everything changes on a consistent basis. It is likely there will be a major change in some area that will have a significant impact on your business strategy and planning.

I recommend that small businesses engage in scenario planning about once a year—more if the industry is fast-paced.

There’s no one-size-fits-all answer to how often a business should engage in scenario planning. It depends on the speed of the industry. But let me tell you, if you’re a software vendor, once a year won’t be enough.

Make the Time
Most small business owners don’t get bogged down in planning for the future. They get bogged down in the day-to-day. You have to allocate time on an annual basis to plan for the future, and you have to allocate a few hours each month to talk about what is happening in the marketplace.

Bringing in a Third Party
I recommend bringing in an objective third party to help with scenario planning. I even get an outsider to help with my own scenario planning, and scenario planning is what my company does!

There are several resources to help small business owners with scenario planning, including SCORE, state and federal resources, and consultants. It’s a real leap of faith for some small business owners to engage in scenario planning, but you have to be ready for change on a consistent basis.
Susan Hartman is president of The Hartman Group, a management consulting firm based in Rochester, NY.
 
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