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Have you prepared a management contract?Government Regulations256. Are you aware of the government legislation or/restrictions affecting your business operation?357. Do you have knowledge of and have you complied 9with, any and all municipal, provincial and federal legal6requirements affecting your specific type of business: -business license -liquor license  -building bylaws -fire bylaws -zoning and development bylaws -vehicle licensing bylaws -shop closing bylaws -sign bylaws -health regulations -employee labor regulations# -Workers Compensation Board bylaws% -sales tax regulation and tax number -business registration -corporation registration+ -Revenue Canada deductions(income tax, UIC CPP, Gst)+ -federal excise regulations and tax number(manufacturers) -other regulations -trade practice regulations! -consumer protection regulations558. Have you complied with regulations governing the 6use of a firm or trade name,brand names or trademarks?859 Is a license necessary to handle special commodities?660. Have you determined whether or not your product(s)2meets the government standards (where applicable)?;61. If you intend to operate an import or export business, "do you have the necessary permits?062. If you are importing goods, do you have any :information regarding the amount of customs duties levied?Governmnet Regulations963. For your raw material purchases, do you have a manuf-1acturing license for federal sales tax exemption?764. Have you provided for an adequate system of record->keeping that will furnish essential information for provincialand federal taxation purposes?765. Are there long range regional economic development 0plans occurring that could affect your business/:66. Will any competitive advantages you currently find at 7the location you're considering be diminished by zoning.changes or changes in city or highway traffic? Employees<67. Have you decided how many employees you will be hiring? 368. Have you planned your staff organization chart?:69. Have you analyzed the jobs that you will offer, and do$you have a job description for them?470. Have you decided what special skills or trainingyour employees should have?/71. Is there an adequate labor force available?572. Do you know how to recruit and select applicants?573. Have you decided whether you will hire part time,$experienced or inexperienced people?774. Would it be an advantage or disadvantage to hire a friend or relative?@75. Are you familiar with the provincial and federal regulationsrelating to employees?@76. Will you offer training? If so do you have a training plan?777. Are your proposed pay and salary scales competitive*with similar businesses in your community?678. Have you determined what holidays, sick leave, and=overtime pay you will allow, outside what is required by law?;79. Have you made decisions on employee benefits, including0pensions, group insurance, profit sharing, etc.?380. Have you considered how you will keep employeessatisfied and motivated?;81. Have you planned working conditions to be as desirable and practical as possible?;82. Do you intend to actively solicit employee feedback and5suggestions to pre-empt problems and maintain morale?>83. Have you established a set of personnel files and records?<84. Do you know how to evaluate your employees' performance??85. Do you have the skills to lead and motivate your employees?FinacialB86. Are you willing to risk uncertain or irregular income for the next few years?Financial Continued:87. Have you calculated how much income you desire or need<for your personal living expenses during the start up phase?>88. Have you estimated your financial requirements for working=capital and operating expenses until the business is able to support itself? -advertising and prQPW9  Arial"  ¼ [NormalCommaComma0Currency Currency0Percent + ‡‚ €          ô ô ô         ô              ô    ô ô ô  ÿ@Á”âÅú0:8@ Print_Areaÿÿÿ´²¤3N>I Master ChecklistiThe following questions will serve as a master checklist of things to do or consider during the initial `planning and start-up phase of your business. As you work through the questions, be certain to Tmark in the two right-hand columns whether further information or study is required. Need more Answered Don’tInfo ForTo MySelf AssessmentYesNoKnowStudy Satisfaction+1. Have you determined your main motive(s) for going into your own business'2. Have you thoroughly discussed going into business with your family?93. Do you believe your family is fully supportive of you going into business?<4. Is your personal situation right to start a business now?55. Have you written down an honest assessment of yourstrengths & weakness?46. Have you rated yourself on the personal qualities+necessary for success in your own business?'7. Have you compared the advantages and+disadvantages of running your own business?(8. Do you like to take calculated risks?99. Are you in shape physically to withstand the stresses /and long hours involved in starting a business?10. Are you a self starter?"11. Do you have high energy level?'12. Are you willing to work long hours?+13. Do you like to make your own decisions?14. Do you enjoy competition?-15. Do you have will power & self-discipline?216. Can you control discouragement over obstacles?17. Do you plan ahead?#18. Do you get things done on time?$19. Can you take advice from others?-20. Are you adaptable to changing conditions?021. Are you prepared to lower standard of living(for a few months or years, if necessary?,22.Are you prepared to lose your savings or investments in the business?+23. Have you worked in a business like the one you want to start?*25. Do you know which skills and areas of 6expertise are critical to the success of your project?26. Do you have these skills?/27. Does your idea effectively utilize your ownskills and expertise?-28. Do you have the management skills needed?129. Can you find personnel who have the expertise you lack?Self Assessment Continued)30. Have you ever hired or managed staff?%31. Do you have any sales experience?(32. Have you ever dealt with the public?33. Do you like to meet people?,34. Do you know how to discover new businessideas and opportunities?135. Have you examined thoroughly the alternatives-of starting from scratch, buying an existing business, or buying a franchise?336. Have you performed a feasibility study for your venture idea?Obtaining Advice.37. Have you discussed your idea with a small /business counselor, local economic development officer, or other advisor?.38. Have you talked to a qualified accountant?339. Have you talked to a lawyer regarding the legal$aspects of owning your own business?440. Have you talked to an insurance broker as to all0the insurance considerations and costs involved? 41. Have you talked to a banker?Business Structure/42. Have you decided on the business structure?-(proprietorship, partnership, or corporation)(43. Do you know what the advantages and 5disadvantages are of the structure you have selected?444. Did you obtain legal or accounting advice beforeyou chose your structure?Partners-45. Do you want to have one or more partners? 46. Do you realy need a partner?.47. Do you know where you are going to find a potential partner?*48. Have you determined the strengths and &weaknesses of your potential partners?549. Have you realistically determined the personality6traits, qualities and skills required for a partner to5ensure compatibility with your personal/business need250. Have you determined what ownership portion of 7your business are you prepared to give up to a partner?,51. Have you determined detail exactly what 7contributions you expect from your partner (e.g., money!time, contacts, expertise, etc.)?Partners continued652. Have you discussed signing a partnership or share-7holders agreement with your partner(s) setting out the full terms of your relationship?453. Have you and your partners prepared an informal :outline of all the key points you want in your partnership or shareholders agreement?554. Have you had a lawyer draw up a fomotion -employee benefits -equipment -furnishings -insurance -interest -inventory -licenses -professional fees -rent -supplies -tax -telephone -transportation -utilities -wages and salaries>89. Do you know which expenses are direct, indirect, or fixed?190. Have you been conservative in your estimates?891. Have you compare the advantages and disadvantages of:leasing or renting your premises, equipment, machinery and'automobile rather than purchasing them?=92. Have you compared the benefits of contracting out certainAactivities of the business with what it would cost you to do the work itself?:93. Have you determined how much money of your own you canput into the business?@94. Do you have other assets which you could, if necessary, sell5or on which you could borrow to get additional funds?>95. Have you determined your potential return on investment inthis business?:96. Do you know where you can borrow the rest of the money:you need to start your business and for the first year of operation?,97Have you considered the following options? -banks or near banks -capitol stock -factoring -franchising -friends and family -house or chattel mortgage -insurance policies -venture capitol;98. Have you investigated government assistance programs at"the provincial and federal levels?)99. Have you established a credit rating?6100. Do you know how much credit you can get from your suppliers?B101. Have you completed a cash flow projection for the first year of operation?=102.Have you completed as pro-forma balance sheet and income *statement for the first year of operation?,103. Do you have a realistic sales forecast?:104. Do you know how to analyze your financial statements?:105. Have you prepared a detailed financial business plan?=106. Have you consulted a qualified accountant in setting up >systems, developing your projections, analyzing your statementand business plan tax planning?>107. Have you decided who will be responsible for keeping yourArecords up-to-date and who will prepare your financial statements and budgets?<108. Have you established a line of credit with your banker? Recordkeeping>109. Have you developed an effective system of keeping recordsin all areas of your business? -payables -receivables -accounting -employees -other;110. Have you secured the necessary forms to enable you to Astart keeping adequate records from the first day of operation of the business?=111. Can you use standardized forms available at most office supply outlets?>112. Have you investigated the possibility of using simplified-recordkeeping systems for some of your needs?=113. Do you intend to maintain separate records for both cashand credit sales?9114. Have you made plans for the safekeeping of essential/records in addition to your accounting records?115. Do you have a computer?4116. Are you going to maintain the records yourself?Location and Leasing6117. Have you considered working out of your own home,1and use a telephone answering service or machine?4118. Have you considered a "package office" service?(119. Do you need premium downtown space?9120. If your employees use public transit, are there bus stops nearby?3121. Is the business easily accessible and visible?9122. Is exterior lighting in the area adequate to attract)evening shoppers and make them feel safe?!123. Are you near your suppliers?4124. Can you ship business products easily from your'location via truck, train, air or ship?3125. Have you chosen a location accessible to your target market?>126. Is the trade area heavily dependent on seasonal business?6127. Are there any competitors close to your location?;128. Do local civic attitudes favour a business like yours?9129. Have you checked to see whether the neighbourhood isimproving or declining?-130. Is the cost of your location affordable?@131. Are property and business taxes in your location reasonable)now and will they increase in the future?=132. Do you know the present zoning and future zoning of your building?8133. Do you plan to operate your business in your first location indefinitely?>134. If the proposed building does not meet your desired needs0is there any good reason for deciding to use it?>135. Have you projected your space requirements over the next few years??136. Have you included costs for extras in your budget such as "utilities, maintenance, and taxes?)136. Can you renovate before you move in??137. Are there restrictions on what you can do to renovate yourspace?:138. Are customer rest-room facilities available/required?:139. Does the location awnings or decks to provide shelterduring bad weather?>140. Have you planned your proposed layout for the building toscale on paper?6141. Are there storage facilities available or nearby?8142. Has the lease and zoning been thoroughly checked by your lawyer?0143. Do you have to pay to have the lease drawn?9144. Are you aware of your responsibilities in the lease?A145. Are there protective covenants that will limit your sales or'other legal restrictions in your lease?Location and Leasing Continued$146. Is your rent fixed every month?>147. Will all government regulatory bodies approve your use ofCthe building, I.e., zoning, health, fire Marshall, transportation, environment , and labour?9148. Is the term of the lease long enough to protect you?>149. Does the lease provide for reimbursement for alterations?A150. Are there restrictions regarding size and location of signs on the building?!151. Are you permitted to sublet?:152. Do you know under which conditions you can break the lease and how much it will cost? Insurance;153. Have you made plans for protecting your store against =thefts of all kinds: shoplifting, robbery, burglary, employee stealing?7154. Have you purchased general comprehensive insurance coverage?=155. Has insurance protecting against damage suits and public liability claims been purchased?<156. Do you know what other risks should be insured against?>157. Have you obtained sufficient personal insurance in excess@of all your personal business guarantees to cover your liability8in the event of you death? Disability, keyman coverage?9158. Have you obtained a minimum of three quotations from:insurance brokers before making your decision, to satisfy %yourself as to premiums and coverage?<159. Have you obtained advice from your accountant regarding<tax implications and the structure of your insurance policy? Equipment<160. Do you know what furniture, equipment and fixtures you will need, and at what costs?;161. Have you calculated how much money you have available for equipment and fixtures?<162. Have you planned for expansion and future additions to your equipment?7163. Can you get quick service from your suppliers whensomething breaks down?=163. Have you obtained advice from your accountant as to the 'nature and form of purchase in advance?;164. Have you held your purchase plans to a minimum withoutomitting any essentials?;165. Is your investment infixtures and equipment in proper 'proportion to your financial structure?;166. Have you decided whether you are going to but or leasethe equipment?Equipment Continued=167. Is buying secondhand equipment a viable option to buyingnew equipment? Purchasing and Inventory Control9168. Have you made a list of every item of inventory and operating supplies needed?=169. Have you decided what goods to carry in relation to whatyour target customers want?A170. Are there any product lines which you can get the privilege of handling exclusively?<171. Have you estimated how much your total stock should be?=172. Have you broken this estimate down into the major lines to be carried?@173. Do you know the quantity, quality, technical specifications*and price ranges desired for each product?<174. When considering each item of merchandise, ask yourselfthe following:9 - after markup is the selling price in line with similar merchandise?1 -does it compare with similar items in quantity?Is it in style?3 -does it have special selling points or exclusive features?1 -will I be the sole distributor in my territory?8 -If the item sells rapidly, can it be replaced quickly? -will it spoil quickly?! -does it meet a particular need?* -are product claims honest? Exaggerated?9175. Do you know the name and location of each potential source of supply?;176. Have you given careful consideration to the choice of ?suppliers, basing your decision on location, delivery, service,<trade terms, selection, experience, and financial stability?8177. Are you aware of which suppliers have an advantage !relative to transportation costs?5178. Is there a risk of shortage for any materials or<179. Have you investigated advantages of affiliating with a 9voluntary or co-operative buying group for your business?1180. Have you made arrangements with wholesalers?9181. Have you decided what merchandise you will buy from manufacturers?;182. Have you set up a model stock assortment to follow in your buying?9183. Do you how much stock to buy, when to buy it, and at what cost?*Purchasing and Inventory Control Continued6184. Do you have provisions to check the receiving andmarking of goods?*185. Can you store your purchase securely?9186. Have you worked out any stock control plans to avoid+overstocks, understocks, and out of stocks?8187. Are you aware of the procedures involved in taking physical inventory?=188. Have you listed the purposes and uses of information you<plan to secure from your inventory or stores control system?8189. Have you established systems to measure and controltheft and pilferage?6190. Have you decided on an insurance policy for your inventory?Pricing9191. Have you determined what price "image" you want for your business?;192. Have you decided on the formula or method you will use,in pricing each class of goods and services?<193. Does your pricing allow for a comfortable profit margin(after calculating your break even point?7194. Have you considered the probable reaction of your &competitors to your pricing practices?;195. Have you decided how and to what extent you will meet probable price competition?@196. Are you aware of the free low cost publications on pricing? Competition0197. Do you know who are your major competitors?7198. Do you know the major strengths and weaknesses of each of your competitors?@199. Are you familiar with the following factors concerning your competitors? -price structure) -product lines (quality, breadth, width) -location -promotional activities -sources of supply# -image from a consumer's viewpoint6200. Do you know any competitor's plans for expansion?:201. Do you know of any competitors who plan to enter your territory?=202. Have any firms of your type gone out of business lately?3203. Do you know the sales and market share of each?competitor, and whether it is decreasing, increasing or stable?=204. Do you know if your competitors' profits are increasing,decreasing or stable?Competition Continued>205. Do competitors leave an opening for you to enter business)because they are not alert or aggressive?+206. Are your competitors well established?=207. Do you know if your competition is strong and active, orweek and sluggish?:208. Are people in your community buying from outside your=community because of poor or unavailable supplies or service? Marketing;209. Have you defined the geographical areas from which you+can realistically expect to draw customers?<210. Will your business product/service appeal to the entire!market segment you have selected?=211. Have you decided on what basis (e.g.. Price, selection, ?quality, location) you will appeal to your potential customers?5212. Have you decided what business image to project?;213. Have you considered the characteristics of your market9(potential customers) and methods to reach them with your advertising? -age -buying habits -education -family size -income -marital status -occupation -sex:214. Do you know about the population growth trend in yourmarketing areas?9215. Is your market segment large enough to support your ,business at start-up and over the long term?7216. Do you what the consumers' attitude are towards a business like yours?6219. Do you know about consumer shopping and spending +patterns relative to your type of business?:220. Does your product/service/business serve an existing &market in which demand exceeds supply?1221. Do you know what segment of the market your competitors are serving?:222. Will your market be affected by demographic change in the future?;223. Have you completed a marketing plan that includes your@strategies to attain your objectives and means of evaluating theeffectiveness of your efforts?;224. Have you determined the best ways of distributing yourproduct in this market?Marketing Continued:225. Have you researched all available media and evaluate Bthem relative to your needs (e.g., print, radio, TV, direct mail)?;226. Is the market accessible through existing media at an affordable cost?-227. Have you developed a promotion strategy? Advertising9228. Have you decided how you will advertise (newspapers,(posters, handbills, radio, mail, other)?>229. Do you know where to get help preparing your advertising?@230. Do your ads relay the benefits of your products or services!from the customers point of view?=231. Do your ads portray the image of your business/products/"services that you want to project?>232. Have you considered using seasonal interests or trends to#advertise your products or service?=233. Have you considered different features of your business >that would be appropriate for special promotions timed to yourcustomers' needs and interests?=234. Do your store signs, displays, layout present the right ;image and entice the prospective customer to stay and shop?<235. Have you observed what other stores do to get people tobuy??236. Have you written down the pros and cons of the different +types of advertising and promotion options?>237. Have you put in writing your own lists of do's and don'tsto guide your advertising?<238. Have you selected the most promising reasons for people=to patronize your business and incorporated them in plans foryour opening advertising?9239. Have you decided how you can measure and record the <degree of success achieved with each sales promotion so that+you can repeat the hits and avoid the duds?Sales7240. Do you know how to motivate your customers to buy?;241. Have you thought about why you like to buy from sales #clerks whiles others frustrate you??242. Have you or your sales staff taken sales training courses?@243. Do you or you sales staff participate in a sales networkinggroup?7244. Have you anticipated how you will handle customer objections?:245. Have you clearly identified your customers needs and :wants and stresses these and the product benefits in your sales presentation?Sales Continued<246. Usually the first person a customer speaks with is the 9receptionist. Is your receptionist aware of basic sales :information and style and order to create a positive first impression?=247. Are you aware of effective non-verbal selling techniques<in terms of voice tone and modulation, posture, eye contact?/248. Are you aware of sales closing techniques?8249. Do you have a method of recording your prospective (customers for follow-up at a later date?>250. Do you have a record of all your customers for follow-up?4251.Do you know what percentage of these are repeat customers?7252. Did you base your sales forecast on concrete data?B253. Did you set realistic as well as optimistic sales objectives?:254. Are there conditions or trends that could change yourforecast of total sales?=255. Have you calculated the gross profit you can make based on sales volume?7256. Will your sales records be broken down by type of merchandise and/or department?Credit and Collection;257. Are you aware of the risks and administrative costs ofextending credit?6258. Have you carefully investigated the need for and 2desirability of credit extension by your business?;259. Have you investigated the services, benefits and costs>associated with becoming a member of your local credit bureau?=260. Have you planned the basic procedures you or your staff <will always follow before extending credit to any applicant?@261. Have you formulated plans to control and monitor all creditaccounts?262. Have you obtained information on the benefits of obtaining-a merchant number for accepting credit cards?<263. Have you or your staff taken any seminars on credit and collection?<264. Have you had a lawyer review your credit and collection&procedures, policies and documentation<265. Have you considered using one of the service companies )that protect you from an NSF cheque loss?Taxes;266. Does your proposed business structure (proprietorship,@partnership, or corporation) minimize taxes, both now and in thefuture?:267. Are you identifying and taking advantage of available!investment and other tax credits?Taxes Continued<268. Have you contacted any accounting firms to request they?keep you on the mailing list for free tax information booklets?A269. Did you explore the tax implications of anticipated business"transactions with your accountant?:270. Do you have a plan for the succession of the business.at the lowest tax cost to your family members?Overall Management<271. Are you aware of how business plans can help you obtain#financing and manage your business?;272. Does your business plan meet the expectations of your &lenders, key investors and associates?@273. Do you have formal short-term and long-term goals that you monitor regularly?>274. Do you know enough about your particular type of business)to operate it effectively and profitably?=275. Have you set out reporting procedures that enable you to1monitor progress toward your business objectives?9276. Have you assigned responsibilities for meeting your objectives to key personnel?:277. Have you set objectives for the various parts of yourbusiness plan?@278. Are you receiving timely answers to your "what if" planning questions?9279. Do you have the information needed to permit you to Cefficiently analyze the financial factors and trends affecting your business?;280. Have you planned the way you will organize duties and responsibilities?5281. Have you developed adequate management planning ;approaches before making commitments or important decisions+covering future activities of the business?<282. Have you made an honest, objective investigation of the+probable success of your proposed policies?>283. Have you written down the main provisions of your generaland major policies?@284. Do you have policies to deal with customer needs(servicing,complaints, etc.)?4285. Have you developed a policy on maintenance and !replacement of your fixed assets?3286. Have you discussed your proposed policies with-competent advisors and are they in agreement?:289. Have you made adequate provisions to ensure that your<policies will be understood and enforced, and that you will 9receive ample warning of the need for policy adjustments?:290. Do you have procedures and systems in place for your ,staff to implement and maintain effectively?Overall Management Continued>291. Have you established effective business and personal timemanagement practices?2292. If you are a manufacturer, have you developed@specifications and plans for your production process, including: -scheduling! -materials requirements planning -production methods -product distribution4293. Have you taken any business management programs)through college, school, or night school?*24. Do you know which skills and areas of 25. Do you have these skills?/26. Does your idea effectively utilize your own-27. Do you have the management skills needed?)28. Have you ever hired or managed staff?%29. Do you have any sales experience?(30. Have you ever dealt with the public?31. Do you like to meet people?,32. Do you know how to discover new business133. Have you examined thoroughly the alternatives334. Have you performed a feasibility study for your.35. Have you discussed your idea with a small .36. Have you talked to a qualified accountant?337. Have you talked to a lawyer regarding the legal438. Have you talked to an insurance broker as to all 39. Have you talked to a banker?/40. Have you decided on the business structure?(41. Do you know what the advantages and 442. Did you obtain legal or accounting advice before-43. Do you want to have one or more partners? 44. Do you realy need a partner?.45. Do you know where you are going to find a *46. Have you determined the strengths and 547. Have you realistically determined the personality248. Have you determined what ownership portion of ,49. Have you determined detail exactly what Partners Continued650. Have you discussed signing a partnership or share-451. Have you and your partners prepared an informal 552. Have you had a lawyer draw up a final partnership-53. Have you prepared a management contract?254. Are you aware of the government legislation or355. Do you have knowledge of and have you complied 556. Have you complied with regulations governing the 957. Is a license necessary to handle special commodities?658. Have you determined whether or not your product(s);59. If you intend to operate an import or export business, 060. If you are importing goods, do you have any 961. For your raw material purchases, do you have a manuf-762. Have you provided for an adequate system of record-763. Are there long range regional economic development 0plans occurring that could affect your business?:64. Will any competitive advantages you currently find at <65. Have you decided how many employees you will be hiring? 366. Have you planned your staff organization chart?:67. Have you analyzed the jobs that you will offer, and do468. Have you decided what special skills or training/69. Is there an adequate labor force available?570. Do you know how to recruit and select applicants?571. Have you decided whether you will hire part time,772. Would it be an advantage or disadvantage to hire a @73. Are you familiar with the provincial and federal regulations@74. Will you offer training? If so do you have a training plan?775. Are your proposed pay and salary scales competitive676. Have you determined what holidays, sick leave, and;77. Have you made decisions on employee benefits, including378. Have you considered how you will keep employees;79. Have you planned working conditions to be as desirable ;80. Do you intend to actively solicit employee feedback and>81. Have you established a set of personnel files and records?<82. Do you know how to evaluate your employees' performance??83. Do you have the skills to lead and motivate your employees?B84. Are you willing to risk uncertain or irregular income for the :85. Have you calculated how much income you desire or need>86. Have you estimated your financial requirements for working>87. Do you know which expenses are direct, indirect, or fixed?188. Have you been conservative in your estimates?889. Have you compare the advantages and disadvantages of=90. Have you compared the benefits of contracting out certain:91. Have you determined how much money of your own you can@92. Do you have other assets which you could, if necessary, sell>93. Have you determined your potential return on investment in:94. Do you know where you can borrow the rest of the money.95. Have you considered the following options?;96. Have you investigated government assistance programs at)97. Have you established a credit rating?598. Do you know how much credit you can get from yourA99. Have you completed a cash flow projection for the first year =100.Have you completed as pro-forma balance sheet and income ,101. Do you have a realistic sales forecast?:102. Do you know how to analyze your financial statements?:103. Have you prepared a detailed financial business plan?=104. Have you consulted a qualified accountant in setting up >105. Have you decided who will be responsible for keeping your<106. Have you established a line of credit with your banker?>107. Have you developed an effective system of keeping records;108. Have you secured the necessary forms to enable you to =109. Can you use standardized forms available at most office >110. Have you investigated the possibility of using simplified=111. Do you intend to maintain separate records for both cash9112. Have you made plans for the safekeeping of essential113. Do you have a computer?4114. Are you going to maintain the records yourself?6115. Have you considered working out of your own home,9116. If your employees use public transit, are there bus 3117. Is the business easily accessible and visible?9118. Is exterior lighting in the area adequate to attract!119. Are you near your suppliers?4120. Can you ship business products easily from your3121. Have you chosen a location accessible to your >122. Is the trade area heavily dependent on seasonal business?6123. Are there any competitors close to your location?;124. Do local civic attitudes favour a business like yours?9125. Have you checked to see whether the neighbourhood is-126. Is the cost of your location affordable?6127. Are property and business taxes in your location 5 reasonable now and will they increase in the future?=128. Do you know the present zoning and future zoning of your8129. Do you plan to operate your business in your first >130. If the proposed building does not meet your desired needs>131. Have you projected your space requirements over the next ?132. Have you included costs for extras in your budget such as ?133. Are there restrictions on what you can do to renovate your:134. Are customer rest-room facilities available/required?:135. Does the location awnings or decks to provide shelter>136. Have you planned your proposed layout for the building to6137. Are there storage facilities available or nearby?8138. Has the lease and zoning been thoroughly checked by9139. Are you aware of your responsibilities in the lease?A140. Are there protective covenants that will limit your sales or$141. Is your rent fixed every month?>142. Will all government regulatory bodies approve your use of9143. Is the term of the lease long enough to protect you?>144. Does the lease provide for reimbursement for alterations?A145. Are there restrictions regarding size and location of signs !146. Are you permitted to sublet?:147. Do you know under which conditions you can break the ;148. Have you made plans for protecting your store against 7149. Have you purchased general comprehensive insurance=150. Has insurance protecting against damage suits and public>151. Have you obtained sufficient personal insurance in excess9152. Have you obtained a minimum of three quotations from<153. Have you obtained advice from your accountant regarding<154. Do you know what furniture, equipment and fixtures you ;155. Have you calculated how much money you have available <156. Have you planned for expansion and future additions to 7157. Can you get quick service from your suppliers when=158. Have you obtained advice from your accountant as to the ;159. Have you held your purchase plans to a minimum without;160. Is your investment infixtures and equipment in proper ;161. Have you decided whether you are going to buy or lease=162. Is buying secondhand equipment a viable option to buying9163. Have you made a list of every item of inventory and =164. Have you decided what goods to carry in relation to whatA165. Are there any product lines which you can get the privilege <166. Have you estimated how much your total stock should be?=167. Have you broken this estimate down into the major lines @168. Do you know the quantity, quality, technical specifications<169. When considering each item of merchandise, ask yourself merchandise?2 - does it compare with similar items in quantity? Is it in style?4 - does it have special selling points or exclusive features?2 - will I be the sole distributor in my territory?9 - If the item sells rapidly, can it be replaced quickly? - will it spoil quickly?" - does it meet a particular need?9170. Do you know the name and location of each potential ;171. Have you given careful consideration to the choice of 8172. Are you aware of which suppliers have an advantage 5173. Is there a risk of shortage for any materials or<174. Have you investigated advantages of affiliating with a 1175. Have you made arrangements with wholesalers?9176. Have you decided what merchandise you will buy from ;177. Have you set up a model stock assortment to follow in 9178. Do you how much stock to buy, when to buy it, and at6179. Do you have provisions to check the receiving and*180. Can you store your purchase securely?9181. Have you worked out any stock control plans to avoid8182. Are you aware of the procedures involved in taking =183. Have you listed the purposes and uses of information you8184. Have you established systems to measure and control6185. Have you decided on an insurance policy for your 9186. Have you determined what price "image" you want for ;187. Have you decided on the formula or method you will use<188. Does your pricing allow for a comfortable profit margin7189. Have you considered the probable reaction of your ;190. Have you decided how and to what extent you will meet @191. Are you aware of the free low cost publications on pricing?0192. Do you know who are your major competitors?7193. Do you know the major strengths and weaknesses of @194. Are you familiar with the following factors concerning your:195. Do you know of any competitors who plan to enter your=196. Have any firms of your type gone out of business lately?3197. Do you know the sales and market share of each=198. Do you know if your competitors' profits are increasing,>199. Do competitors leave an opening for you to enter business+200. Are your competitors well established?=201. Do you know if your competition is strong and active, or:202. Are people in your community buying from outside your;203. Have you defined the geographical areas from which you<204. Will your business product/service appeal to the entire=205. Have you decided on what basis (e.g.. Price, selection, 5206. Have you decided what business image to project?;207. Have you considered the characteristics of your market:208. Do you know about the population growth trend in your9209. Is your market segment large enough to support your <210. Do you know what the consumers' attitude are towards a 6211. Do you know about consumer shopping and spending :212. Does your product/service/business serve an existing 1213. Do you know what segment of the market your :214. Will your market be affected by demographic change in;215. Have you completed a marketing plan that includes your;216. Have you determined the best ways of distributing your:217. Have you researched all available media and evaluate ;218. Is the market accessible through existing media at an -219. Have you developed a promotion strategy?9220. Have you decided how you will advertise (newspapers,>221. Do you know where to get help preparing your advertising?@222. Do your ads relay the benefits of your products or services=223. Do your ads portray the image of your business/products/>224. Have you considered using seasonal interests or trends to=225. Have you considered different features of your business =226. Do your store signs, displays, layout present the right <227. Have you observed what other stores do to get people to?228. Have you written down the pros and cons of the different >229. Have you put in writing your own lists of do's and don'ts<230. Have you selected the most promising reasons for people9231. Have you decided how you can measure and record the 7232. Do you know how to motivate your customers to buy?;233. Have you thought about why you like to buy from sales ?234. Have you or your sales staff taken sales training courses?@235. Do you or you sales staff participate in a sales networking7236. Have you anticipated how you will handle customer :237. Have you clearly identified your customers needs and <238. Usually the first person a customer speaks with is the =239. Are you aware of effective non-verbal selling techniques/240. Are you aware of sales closing techniques?8241. Do you have a method of recording your prospective >242. Do you have a record of all your customers for follow-up?4243.Do you know what percentage of these are repeat 7244. Did you base your sales forecast on concrete data?B245. Did you set realistic as well as optimistic sales objectives?:246. Are there conditions or trends that could change your=247. Have you calculated the gross profit you can make based 7248. Will your sales records be broken down by type of ;249. Are you aware of the risks and administrative costs of6250. Have you carefully investigated the need for and ;251. Have you investigated the services, benefits and costs=252. Have you planned the basic procedures you or your staff @253. Have you formulated plans to control and monitor all credit?254. Have you obtained information on the benefits of obtaining<255. Have you or your staff taken any seminars on credit and<256. Have you had a lawyer review your credit and collectionCredit and Collection Continued<257. Have you considered using one of the service companies ;258. Does your proposed business structure (proprietorship,:259. Are you identifying and taking advantage of available<260. Have you contacted any accounting firms to request theyA261. Did you explore the tax implications of anticipated business:262. Do you have a plan for the succession of the business<263. Are you aware of how business plans can help you obtain;264. Does your business plan meet the expectations of your @265. Do you have formal short-term and long-term goals that you >266. Do you know enough about your particular type of business=267. Have you set out reporting procedures that enable you to9268. Have you assigned responsibilities for meeting your :269. Have you set objectives for the various parts of your@270. Are you receiving timely answers to your "what if" planning9271. Do you have the information needed to permit you to ;272. Have you planned the way you will organize duties and 5273. Have you developed adequate management planning <274. Have you made an honest, objective investigation of the>275. Have you written down the main provisions of your general@276. Do you have policies to deal with customer needs(servicing,4277. Have you developed a policy on maintenance and 3278. Have you discussed your proposed policies with:279. Have you made adequate provisions to ensure that your:280. Do you have procedures and systems in place for your >281. Have you established effective business and personal time2282. If you are a manufacturer, have you developed4283. Have you taken any business management programs  ¤¥ÿÿÿ¦§¨©88  ÐЪ«¬­®¯°±ç²´d³µ¶·  ¸  ¹» º ¼LB£¡¤¥ ;n‰¦§¨©    ÐЪ«¬­®¯°±ç²´d³µ¶· ôæ¸ ¹» º ¼B£'ßy Íy m1 x!„! ‚!<q!*ÐГ€ÿÿÿQ!? ¡!‘!RÂúÐÐà(’!“! i”!!  O" q!*ÐЇ*ÿÿÿQ!? A!1! 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