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What you'll need to know and do to go consumer complete flow chart below is vital guide to putting your decision to work.

see whether the banker would lend the money necessary to go in business if the owner were 35 and presented him this information for the first time.

This month's discussion will be concerned, with making THE Decisinn and putting it into action..

The decision must be based on whether there is some degree of success assured, the planning and budgeting required.

and a certain sense of timine. Next month we'll ralk abour Directine rhe Operation.

The April "Do.lt-Yourself Checklist" (Merchant, pp f4.l5) listed 40 questions. Now it's time to count up your "yes" answers. If you answered yes to the following, subtract I point for each of these negative factors:

(a.) Over 60 years of age,

(b.) You would rather be doins somethin.r els^.

(c.) You are in a declinine downtown at'ea, and

(d.) You have major competition al. ready established near you.

Because there are four questions about competition, you could have as many as seven negative points to subtract. Having subtracted the negatives from your total of "yes" answers. you should have at

(Continued on Page 4l )

These are the factors that major banks use in determining the the stability of a business:

frum Orcgorr lo lhe

I \ Nleri, rrr b,,r,ler ugairr huve rlesccnded upon Eurt'ka. tlalif. for thc annual Humboldt Hoo-Hoo Club 63 Celebritv \itc t:hairmannc<l by Davt: Davis of \,'an De Nor Lumber Co. The rnenu otr<-'r: again {caturccl Hrrntboldt Bar-'s farnous 1'sltrrp) clat'ked cral) eJolls u-ith spaglrt:tli antl mt-at balls.

High point of the club's )'ear, the event dreu' 110 lumbcrmetr u'ho also welcomed six nel' kittens irrto the