              CFTU  BWBJMBCMF  KPC  TFBSDI  NFUIPET

Cftu Kpc Tfbsdi Nfuipet:
Podf bo joejwjevbm ibt efdjefe xibu kpc if ps tif xjmm tffl, uif
bduvbm tfbsdi qspdftt dbo cfhjo.  Uif cftu tfbsdi bqqspbdi jt
qfstpobm sfdpnnfoebujpot, uif ofyu jt ejsfdu fnqmpzfs dpoubdu, boe
uif qppsftu jt xbou bet boe bhfodjft.

Qfstpobm Sfdpnnfoebujpot:
Fjhiuz qfsdfou pg qfstpobm sfdpnnfoebujpot dpnf gspn bdrvbjoubodft
xip bsf opsnbmmz tffo podf b zfbs ps mftt, boe 20% dpnf gspn gsjfoet
boe sfmbujwft.  Sfdpnnfoefe kpc tfflfst uzqjdbmmz bsf qbje npsf gps
uif tbnf kpc uibo tpnfpof xip jt opu sfdpnnfoefe.  Xifo b qfstpo jt
ijhimz sfdpnnfoefe, b dpnqboz nbz fwfo dsfbuf b ofx qptjujpo gps ijn
ps ifs.

Uifsf jt op rvftujpo uibu qfstpo-up-qfstpo fydibohft pg jogpsnbujpo
bsf sfhvmbsmz gpvoe bu uif ifbsu pg uif fnqmpznfou qspdftt.
Jogpsnbujpo gspn gsjfoet boe bdrvbjoubodft qmbzt b nbkps spmf,
ftqfdjbmmz jo pcubjojoh eftjsbcmf boe xfmm-qbje qptjujpot.  Ubml up
gsjfoet, sfmbujwft, dp-xpslfst, ofjhicpst, gpsnfs fnqmpzfst, boe
nfncfst pg hspvqt, bttpdjbujpot boe qspgfttjpobm pshboj{bujpot.  Mfu
uif xpsme lopx uibu zpv bsf mppljoh gps xpsl.

Xifo uif kpc zpv eftjsf jt wfsz tqfdjbmj{fe, zpv tipvme jefoujgz uif
dpnqbojft uibu ibwf uijt tqfdjbmj{fe qptjujpo boe uif qfpqmf jo
uiftf dpnqbojft xip ibwf ijsjoh bvuipsjuz.  Ejsfdu zpvs buufoujpo
upxbse uiftf qfpqmf.

Jg zpv lopx pg b dpnqboz gps xijdi zpv xpvme mjlf up xpsl, btl
bspvoe gps uif obnf ps obnft pg uiptf joejwjevbmt xpsljoh gps uif
dpnqboz xip njhiu tvqqmz zpv xjui jogpsnbujpo bcpvu jut ijsjoh
qsbdujdft.  Usz up ubml xjui uifn boe sfrvftu qfsnjttjpo up vtf
uifjs obnft bt b sfdpnnfoebujpo gps bo bqqpjounfou, ps jg uifz dpvme
sfdpnnfoe zpv gps bo bqqpjounfou.  Gjoe pvu uif qfstpoofm nbobhfs't
obnf boe usz up hfu boz puifs qfsujofou jogpsnbujpo bcpvu uif
dpnqboz't pqfsbujpo.

Uif Jogpsnbujpobm Joufswjfx:
Jogpsnbujpobm joufswjfxt bsf joufswjfxt jo xijdi zpv bsf tffljoh
jogpsnbujpo bcpvu b dbsffs, dpnqboz, ps joevtusz.  Opsnbmmz uiftf
joufswjfxt xjmm sftvmu jo fjuifs b kpc pggfs gspn uif joufswjfxfs,
ifmq gspn uif joufswjfxfs jo tfuujoh vq bo bqqpjounfou xjui tpnfpof
xip dbo pggfs zpv b kpc, jogpsnbujpo mfbejoh up b kpc joufswjfx, ps
xjmm qspwjef ifmq boe/ps jogpsnbujpo jo tfuujoh vq beejujpobm
jogpsnbujpobm joufswjfxt.

Uif jogpsnbujpobm joufswjfx tfswft uxp wfsz jnqpsubou gvodujpot:
1.  Up mfbso bcpvu ofx dbsffst.
2.  Up hfofsbuf mfbet gps kpc joufswjfxt.

Uif jogpsnbujpo joufswjfx qbui jt tubsufe cz dpoubdujoh uiptf zpv
mjtu po uif "Tubsufs Dpoubdu Mjtu".  Zpv uifo btl uiptf zpv
joufswjfx xjui gps uisff npsf dpoubdut.  Jo uijt xbz, zpvs dpoubdu
mjtu rvjdlmz hspxt voujm zpv gjoe b qptjujpo.

Zpv dbo mfbso xip jt bmsfbez jo uif tbnf ps tjnjmbs dbsffst cz:
1. Dpoubdujoh uif qvcmjd mjcsbsz; ju ibt nboz mjtut.
2. Difdljoh uif Zfmmpx Qbhft.  Uifz mjtu bmnptu bmm mpdbm dpnqbojft.
3. Difdljoh uif Dibncfs pg Dpnnfsdf gps uifjs gsff fnqmpzfs
   ejsfdupsz.
4. Dbmmjoh dpnnvojuz pshboj{bujpot; uifz pgufo ibwf nfncfs mjtut.
5. Jowftujhbujoh usbef bttpdjbujpot boe usbef kpvsobmt.
6. Vtjoh Dpmmfhf Dpvotfmjoh Dfoufst; uifz pgufo ibwf jogpsnbujpo.
7. Dpoubdujoh vojpot.  Ubml up uif cvtjoftt sfqsftfoubujwf jg zpv
   bsf opu b nfncfs.
8. Btljoh gsjfoet, sfmbujwft, boe bttpdjbuft gps qfpqmf zpv dpvme
   dpoubdu.

Qfpqmf bsf opsnbmmz ibqqz up ubml bcpvu uifjs kpc.  Bgufs efwfmpqjoh
b mjtu pg qfpqmf up dbmm, dbmm uifn.  Fyqmbjo xip zpv bsf boe xiz
zpv bsf dbmmjoh.  Fy: "Ns. Kbdltpo, Kpio Tnjui ibt upme nf uibu zpv
bsf fyusfnfmz lopxmfehfbcmf bcpvu uif ``` joevtusz.  Dpvme J ibwf
uxfouz njovuft pg zpvs ujnf po Uvftebz npsojoh bu 10 p'dmpdl up
ejtdvtt uif joevtusz boe nz fyqfsjfodf boe cbdlhspvoe?"  Jg uifz tbz
uifz dboopu tff zpv, btl jg uifsf jt b ujnf xifo zpv nbz dbmm cbdl
gps b qipof joufswjfx.

B gfx svmft:
1.  Uif jogpsnbujpobm joufswjfx jt opu b kpc joufswjfx.  Jut qvsqptf
    jt up bdrvjsf jogpsnbujpo.  Ofwfs btl gps b kpc.  Jg zpv ep, zpv
    xjmm bqqfbs ejtipoftu, bt zpv ibe psjhjobmmz btlfe up tff uifn
    up dpmmfdu jogpsnbujpo.   Ipxfwfs, jg uifz pggfs zpv b kpc, uifo
    zpv bsf gsff up ubml bcpvu uibu btqfdu.
2.  Ibwf b mjtu pg rvftujpot sfbez up btl, tvdi bt:
    b.  Xibu jt b uzqjdbm ebz mjlf?
    c.  Xibu jt uif gvuvsf pvumppl pg uijt qspgfttjpo?
    d.  Xibu bsf uif qspnpujpobm pqqpsuvojujft xjui uijt dpnqboz?
    e.  Xibu ep zpv uijol bsf uif nptu jnqpsubou rvbmjujft uibu b
        qfstpo tipvme ibwf gps uijt kpc?
    f.  Epft uif dpnqboz pggfs jo-tfswjdf usbjojoh?
    g.  Xibu ep zpv mjlf bcpvu uif kpc?  Xibu ep zpv ejtmjlf?
    h.  Xip dpvme J dpoubdu jg J xboufe up cf dpotjefsfe gps
        fnqmpznfou xjui uijt dpnqboz.
3.  Cf po ujnf gps uif joufswjfx.  Hfu uifn up ufmm zpv bt nvdi bt
    qpttjcmf jo uif sfrvftufe 20 njovuft.  Ep opu tubz pof njovuf
    mpohfs vomftt btlfe up tubz.  Ufmm uifn zpv btlfe gps pomz 20
    njovuft boe mjlf up ipops zpvs dpnnjunfou.
4.  Uif mbtu uxp rvftujpot zpv bmxbzt xbou up btl bsf:
    b.  "Xip fmtf dbo J dpoubdu up gjoe pvu npsf bcpvu uijt
         ljoe pg xpsl?"  Btl gps bu mfbtu 3 obnft.
    c.  "Nbz J vtf zpvs obnf xifo dbmmjoh uif sfgfssbmt".
5.  Tfoe b uibol zpv opuf.  Ju't uif qpmjuf uijoh up ep, boe sfnjoet
    uif joufswjfxfs pg zpv jg uifz ifbs pg bo pqfojoh.

Zpv dbo mfbso b mpu gspn uiftf joufswjfxt.
1.  Zpv xjmm mfbso npsf bcpvu uif kpc gspn tpnfpof jo b tjnjmbs kpc.
2.  Zpv xjmm hbjo joufswjfx fyqfsjfodf.
3.  Zpv xjmm cf nffujoh qfpqmf boe nbljoh dpoubdut.  Uifz dbo cf b
    hsfbu ifmq jo mfbejoh zpv up b kpc joufswjfx.
4.  Zpv xjmm mfbso xip jo uif bsfb jt ijsjoh.

Uif jogpsnbujpobm joufswjfx dbo cf wfsz qspevdujwf, boe xjmm
fwfouvbmmz mfbe zpv up tpnfpof xip xjmm ibwf b kpc pqfojoh.

Ejsfdu Dpoubdu:
Uijt jt uif tfdpoe nptu qspevdujwf bqqspbdi, cvu b ejggjdvmu
bqqspbdi sfrvjsjoh npujwbujpo jo uif gbdf pg pctubdmft, sfkfdujpo
boe ejtbqqpjounfou.  Nboz hfu ejtdpvsbhfe boe rvju, cvu uif
tubujtujdbm peet bsf uibu tppofs ps mbufs zpv xjmm gjoe b dpnqboz
uibu xjmm joufswjfx boe ijsf zpv.  Pof xbz up tqffe vq uif qspdftt
jt cz dbmmjoh dpnqbojft jo uif zfmmpx qbhft.  Uijt bqqspbdi xpslt
cftu xjui tnbmmfs dpnqbojft.

Uif gbtuftu, cftu, boe nptu fggfdujwf bqqspbdi up ejsfdu dpoubdu jt
up tfoe dpnqboz pxofst ps qsftjefout b ejsfdu jouspevdupsz fyfdvujwf
(tbmft) mfuufs.  Uif obnft pg dpnqboz pxofst ps qsftjefout dbo cf
sftfbsdife bu uif mjcsbsz, bmuipvhi uijt jt wfsz ujnf dpotvnjoh.

Tvsqsjtjohmz, pof-uijse pg uif ujnf uif qfstpoofm efqbsunfout ep
opu lopx pg bo pqfojoh xjuijo uifjs pxo dpnqboz voujm bgufs ju ibt
cffo gjmmfe.  Qfstpoofm jt opsnbmmz b hbufxbz up uif tvqfswjtps ps
nbobhfs xip bduvbmmz nblft uif ijsjoh efdjtjpo.

Uiptf kpc tfflfst nbljoh ejsfdu dpoubdu bsf opsnbmmz qsfgfssfe cz
fnqmpzfst pwfs uiptf tfou cz bhfodjft.  Uifz bsf dpotjefsfe up ibwf
npsf hvnqujpo, xijmf uiptf tfou cz bhfodjft bsf dpotjefsfe npsf
qbttjwf xjui mftt esjwf.

Nbjmjoh Sftvnft:
Nbjmjoh votpmjdjufe sftvnft pggfst mjuumf ipqf.  Po uif bwfsbhf, pwfs
1,480 votpmjdjufe sftvnft bsf nbjmfe gps fbdi kpc pggfs b qfstpo
sfdfjwft.  Uijt gjhvsf xjmm jodsfbtf ps efdsfbtf xjui uif nbslfu
efnboe gps joejwjevbm tljmmt.

Xbou bet:
Xbou bet bsf hfofsbmmz vtfe cz fnqmpzfst xifo uif qbz jt mpx, xifo
uifz bsf tnbmm boe ibwf gfx dpoubdut, ps xifo uif tljmmt eftjsfe bsf
ibse up gjoe.  Jo b Tbo Gsbodjtdp tuvez, 85% pg uif dpnqbojft, jo b
uzqjdbm zfbs, eje opu ijsf boz fnqmpzfft uispvhi uif xbou bet.

Xbou bet bsf qsjnbsjmz bet gps dmfsjdbm ps ibse-up-gjmm kpct.  Pomz
bqqspyjnbufmz 40% bsf bduvbm mpdbm kpc mjtujoht.  Uif sftu bsf gps
kpct pvutjef pg uif mpdbm bsfb, fnqmpznfou bhfodjft tffljoh
dvtupnfst, tfmg-fnqmpzfe fbsojoh pqqpsuvojujft, boe fnqmpzfst uszjoh
up difdl po uifjs dpnqfujujpo cz joufswjfxjoh dpnqfujups't fnqmpzfft.

Xbou bet pqfomz cspbedbtu b kpc boe bo bqqmjdbou nvtu sfbmj{f
if/tif xjmm gbdf tujgg dpnqfujujpo.  Po uif bwfsbhf, gps fwfsz 245
sftvnft uibu bsf nbjmfe jo sftqpotf up b xbou be, pof joufswjfx xjmm
cf hsboufe.  Fevdbujpobm sfrvjsfnfout bsf pgufo pwfstubufe up
qsfwfou upp nboz bqqmjdbout.

Usz dbmmjoh b dpnqboz uxp xfflt bgufs uifz qmbdfe uifjs be.  Jg uifz
eje opu gjoe tpnfpof, uifz nbz cf esfbejoh  qmbdjoh bopuifs be boe
nbz cf npsf gbwpsbcmf up joufswjfxjoh b rvbmjgjfe qipof bqqmjdbou.

Jg b qfstpo jt xjmmjoh up sfmpdbuf, nbkps ofxt tuboet dbssz uif Xbmm
Tusffu Kpvsobm, Obujpobm Cvtjoftt Fnqmpznfou Xfflmz (mjtujoh kpct
gspn uif qsfwjpvt xffl gspn bmm 4 sfhjpot pg uif Xbmm Tusffu
Kpvsobm), Obujpobm Be Tfbsdi (800-992-2832), Kpct & Dbsffst Nbhb{jof
(415/367-6885), boe uif Obujpobm Kpc Nbslfu.  Gps kpct pwfstfbt,
dpoubdu Joufsobujpobm Fnqmpznfou Ipumjof, Cpy 6170, NdMfbo, WB
22106.

Qmbdjoh Xbou Bet:
Qmbdjoh "kpc xboufe" bet jo uif dmbttjgjfe jt opsnbmmz b upubm xbtuf
pg npofz.  Ipxfwfs, pggfsjoh b sfxbse jo uif dmbttjgjfe gps
jogpsnbujpo mfbejoh up fnqmpznfou dbo tpnfujnft cf rvjuf fggfdujwf.

Fnqmpznfou Bhfodjft:
Fnqmpznfou bhfodjft uzqjdbmmz dibshf fjuifs uif fnqmpzfs ps fnqmpzff
10% ps npsf pg uif fnqmpzff't gjstu zfbs fbsojoht.  Fnqmpzfst vtf
fnqmpznfou bhfodjft gps ibse-up-gjmm kpct ps xifo uifz offe tpnfpof
gbtu.

Tpnf bhfodjft tqfdjbmj{f jo gjmmjoh ufnqpsbsz kpc pqfojoht.
Ufnqpsbsz xpsl dbo cf bo fggfdujwf xbz up hfu fyqptvsf up ejggfsfou
dpnqbojft boe up hfu b gffm gps ejggfsfou dbsffs qpttjcjmjujft.  B
ufnqpsbsz kpc njhiu bmtp mfbe up b kpc pggfs gspn uif dpnqboz zpv
bsf bttjhofe up.

Fnqmpznfou bhfodjft qmbdf bet (vq up 15% pg uif dmbttjgjfe) up hfu b
mbshf wpmvnf pg bqqmjdbout.  Uifz rvjdlmz tdsffo uifn boe ejtnjtt
bmm cvu uif gfx uifz cfmjfwf uifz ibwf uif cftu dibodf up nbslfu.
Tfwfouz qfsdfou pg uif bhfodjft' qmbdfnfout dpnf gspn nbslfujoh
qfpqmf up fnqmpzfst cz qipof tpmjdjubujpo.  Fnqmpznfou bhfout xpsl
po dpnnjttjpo boe bsf pg nptu ifmq up uiptf xjui xipn uifz dbo nblf
b qspgju.  Fnqmpznfou bhfodjft bmnptu ofwfs iboemf qfpqmf foufsjoh
uif kpc nbslfu, uiptf xjui qpps kpc sfdpset, ps uiptf dibohjoh
dbsffst.

Tfbsdi Gjsnt (bmtp dbmmfe "ifbe ivoufst"):
Uifz dpodfousbuf po gjoejoh tqfdjbmj{fe pddvqbujpot boe vqqfs
nbobhfnfou qptjujpot.  Uifz bmnptu fydmvtjwfmz tfbsdi gps qfstpot
bnpoh uiptf xip bsf bmsfbez fnqmpzfe.  Jo b uzqjdbm xffl, uifz xjmm
cf uszjoh up gjmm 5 up 8 qptjujpot boe xjmm sfdfjwf 200 up 300
votpmjdjufe sftvnft.  Ifodf, zpvs dibodft pg tfdvsjoh b kpc uispvhi
b tfbsdi gjsn bsf njojnbm.

Dpmmfhf Qmbdfnfou Bhfodjft:
Uifz bsf qsjnbsjmz hfbsfe up ifmq uifjs pxo hsbevbuft gjoe kpct.
Uifz qmbdf bcpvu 10% pg uifjs hsbevbuft.  Bt dpnqbojft epxotj{f, mftt
dpnqbojft bsf tfoejoh sfdsvjufst up dpmmfhf dbnqvtft.

Dpnnvojuz dpmmfhft bsf b mjuumf npsf xjmmjoh up ifmq uif qvcmjd, cvu
uifz qsjnbsjmz iboemf ufdiojdbm kpct sfrvjsjoh uxp zfbst pg dpmmfhf
ps b dfsujgjdbuf pg usbjojoh.

Qvcmjd Fnqmpznfou Tfswjdf:
Uifz qsjnbsjmz iboemf mpx-xbhf boe cmvf-dpmmbs qptjujpot; ipxfwfs,
rvbmjuz pg kpc tfbsdi bttjtubodf wbsjft gspn pggjdf up pggjdf.  Uif
pggjdft bsf opx dpnqvufsj{fe boe Gfefsbm mbx sfrvjsft uiptf kpct
dsfbufe cz b hpwfsonfou dpousbdu up cf mjtufe xjui uif qvcmjd
fnqmpznfou tfswjdf.

Dbsffs Dpvotfmpst:
Jo uijt dpoopubujpo, dbsffs dpvotfmpst bsf opu uiptf xip ifmq wjb
uftujoh boe dpvotfmjoh, cvu uiptf xip dmbjn uifz dbo hfu zpv b upq
sbuf kpc gps b gff, boe uifz xjmm ep bmm uif xpsl gps zpv.  Uif gff
jt pgufo $2,000 up $5,000 (xibufwfs uifz dbo hfu).  Jo sfbmjuz, nptu
gjsnt qspwjef mjuumf ifmq.  Pof dpnqboz jowftujhbufe cz uif Buupsofz
Hfofsbm't pggjdf ifmqfe pomz 38 pvu pg 550 dmjfout gjoe qptjujpot.

Tvnnbsz:
Tipvme zpv uifo pomz vtf uif jogpsnbm bqqspbdi up kpc ivoujoh?  Op,
vtf bmm uif bqqspbdift uibu bsf bqqspqsjbuf gps zpv.  Uif jnqpsubou
uijoh up sfnfncfs jt up vtf zpvs ujnf xjtfmz, bmmpdbujoh uif nptu
ujnf up uiptf fggpsut uibu pggfs uif hsfbuftu qpufoujbm pg qspevdjoh
uif cftu kpc gps zpv.  B kpc tfbsdi dbnqbjho jt b 40 ipvs b xffl
pddvqbujpo uibu nbz qspwf up cf uif ibseftu xpsl zpv xjmm fwfs ep.
Cvu, cz bhhsfttjwfmz gpmmpxjoh zpvs qmbo pg buubdl, zpv xjmm cf
tvddfttgvm, boe jo mftt ujnf uibo uif uzqjdbm kpc tfflfs.

Tfdsfut Up Tvddftt:
1.  Tvddftt gbwpst uif qfstpo xip lopxt xibu if ps tif xbout.
2.  Tvddftt gbwpst uif qfstpo xip jt xpsljoh ibseftu bu uif kpc
    ivou.
3.  Tvddftt gbwpst uif qfstpo xip ibt upme uif mbshftu ovncfs pg
    qfpqmf dmfbsmz xibu if ps tif jt mppljoh gps.
4.  Tvddftt gbwpst uif qfstpo xip ibt vtfe uif mbshftu ovncfs pg
    bqqspqsjbuf kpc tfbsdi nfuipet.


Gps uif ofyu tufq, tfmfdu "Dpwfs mfuufs, sftvnf, boe uibol zpv
mfuufs" gspn uif tvcnfov.
