Melissa Liu discusses various aspects of entrepreneurship including why people dive into it, what entrepreneurship entails, and data on women entrepreneurs. She outlines initial milestones for starting a business such as forming a legal entity, obtaining financing, developing a product, and making initial sales. Liu also discusses business models, funding options, taxes, employment laws, and customer acquisition strategies. Overall, the document provides a broad overview of entrepreneurship and considerations for starting a new business.
Advertising agencies are obsessed with innovation. They also have one of the most unique sets of creative talent of any industry. Yet the creative department is the most suspicious of "innovation" of any group at the agency. Could it be that actually Creative Directors hold the keys to converting ad agencies into what so many desire: innovation partners to clients?
(special thanks to @seelydiaplay for presentation design help)
Lean for Sharing Ventures: Four Times Harder, Four Times More Rewarding, Ted ...Lean Startup Co.
The structure, economics, and strategy of sharing economy companies dramatically complicate the design and validation of a successful business model. In this session with Ted Ladd, professor of internet economics and a research fellow at the Center for Disruptive Innovation at the Hult International Business School, you will learn, apply, and critique several Lean extensions to decrease risk and accelerate return for your sharing venture.
Let's discover strategies and techniques for creative innovation that will help to bring innovation culture in your workplace.
To know more details, visit us at : https://mitidinnovation.com/recreation/discover-strategies-techniques-for-creative-innovation/
Advertising agencies are obsessed with innovation. They also have one of the most unique sets of creative talent of any industry. Yet the creative department is the most suspicious of "innovation" of any group at the agency. Could it be that actually Creative Directors hold the keys to converting ad agencies into what so many desire: innovation partners to clients?
(special thanks to @seelydiaplay for presentation design help)
Lean for Sharing Ventures: Four Times Harder, Four Times More Rewarding, Ted ...Lean Startup Co.
The structure, economics, and strategy of sharing economy companies dramatically complicate the design and validation of a successful business model. In this session with Ted Ladd, professor of internet economics and a research fellow at the Center for Disruptive Innovation at the Hult International Business School, you will learn, apply, and critique several Lean extensions to decrease risk and accelerate return for your sharing venture.
Let's discover strategies and techniques for creative innovation that will help to bring innovation culture in your workplace.
To know more details, visit us at : https://mitidinnovation.com/recreation/discover-strategies-techniques-for-creative-innovation/
Demetris C. Hadjisofocli. This presentation provides some basic information on what is innovation and how it differentiates from Entrepreneurship. It gives a high level view on how Innovation processes should be approached within organizations to instill a culture of development and growth.
Entrepreneurial Mindset Matters for Engineers - The Why, What, & HowDouglas Melton
Mindset matters. Mindset is the collection of attitudes, dispositions, and motivations that are involved in every situation. The world needs engineers with an entrepreneurial mindset.
Value means different things to different people. It is perceived differently also within parts of the organisation. How do we understand, characterise and measure value?
It is hard to think of the attributes of customer centricity without a broader discussion around value. In this event, we will explore the value of CX.
Startup 101: Entrepreneurial Mindset, Go2Market and Growth Strategy (universi...Chris Franke
My slides for teaching "Startup 101: Entrepreneurial Mindset, Go2Market and Growth Strategy" to international MBA students from emerging countries participating in an exchange program at Technische Universität Berlin. These lectures, hands-on workshops and training sessions are designed to help students build their companies from scratch. This deck is not a hand-out but some of the slides I'm usually presenting.
Just an overview of the business model concept, customer development, organizing for corporate business model innovation, business eco-system challenges, and a few ideas of research opportunities. I presented this during lunch at my office to introduce the more technically oriented researchers to the general topic. The presentation was, although fast paced, quite appreciated.
I conducted a workshop on intrapreneurship for IEEE in Bangalore, 28-29 July. In the larger interest of the practitioners and learners, I decided to share the workshop deck. Hope you find it useful in your work!
By Board of Innovation (www.boardofinnovation.com)
Full program & tools available. A step by step approach to create an innovation platform in your company.
Building a Growth Engine: How to Drive Sustainable Innovation and Grow.Rob Munro
Driving sustainable growth comes from embracing a systems perspective to our innovation activities.
Because studies show that how you organize can make the difference between average performance from stand out performance.
I’ve found that innovation is not an event and that businesses who create an innovation habit get better results.
You will discover that How you innovate is as important as What you innovate.
This is the second of three presentations delivered at an innovation workshop for the Greater Tygerberg Partnership, a non-profit organisation facilitating socio-economic growth in the northern region of Cape Town, in July 2016. This particular deck looked at four innovation theories and methodologies. Like many of my presentations it requires a talking head in front to fully explain. Hopefully, when viewed with the accompanying deck on innovation tools and processes, a viewer will be ale to discern the main themes and points of the workshop. (The third deck in the workshop was just an introduction to the workshop).
Here you get a look at my current thoughts on innovation through a presentation that I will give tomorrow at the Turkey Innovation Week, where I am one of the keynote speakers.
It is a long talk – 1 hour – so I have compiled lots of content in this presentation. Yes, it might even have too many messages, but I hope the participants at the conference as well as those of you, who are just checking out the presentation, can find some inspiration in it without feeling overloaded with information.
Some of the topics I get into are:
• The current state of innovation and the global megatrends that impacts it
• A definition on open innovation and the benefits that come along with it
• Innovation as a career choice – what you need to succeed for this
• My perception of innovation in Turkey (not elaborated, just one case)
• How intrapreneurship can bring together idea and people management
I hope you find it worthwhile your time.
Demetris C. Hadjisofocli. This presentation provides some basic information on what is innovation and how it differentiates from Entrepreneurship. It gives a high level view on how Innovation processes should be approached within organizations to instill a culture of development and growth.
Entrepreneurial Mindset Matters for Engineers - The Why, What, & HowDouglas Melton
Mindset matters. Mindset is the collection of attitudes, dispositions, and motivations that are involved in every situation. The world needs engineers with an entrepreneurial mindset.
Value means different things to different people. It is perceived differently also within parts of the organisation. How do we understand, characterise and measure value?
It is hard to think of the attributes of customer centricity without a broader discussion around value. In this event, we will explore the value of CX.
Startup 101: Entrepreneurial Mindset, Go2Market and Growth Strategy (universi...Chris Franke
My slides for teaching "Startup 101: Entrepreneurial Mindset, Go2Market and Growth Strategy" to international MBA students from emerging countries participating in an exchange program at Technische Universität Berlin. These lectures, hands-on workshops and training sessions are designed to help students build their companies from scratch. This deck is not a hand-out but some of the slides I'm usually presenting.
Just an overview of the business model concept, customer development, organizing for corporate business model innovation, business eco-system challenges, and a few ideas of research opportunities. I presented this during lunch at my office to introduce the more technically oriented researchers to the general topic. The presentation was, although fast paced, quite appreciated.
I conducted a workshop on intrapreneurship for IEEE in Bangalore, 28-29 July. In the larger interest of the practitioners and learners, I decided to share the workshop deck. Hope you find it useful in your work!
By Board of Innovation (www.boardofinnovation.com)
Full program & tools available. A step by step approach to create an innovation platform in your company.
Building a Growth Engine: How to Drive Sustainable Innovation and Grow.Rob Munro
Driving sustainable growth comes from embracing a systems perspective to our innovation activities.
Because studies show that how you organize can make the difference between average performance from stand out performance.
I’ve found that innovation is not an event and that businesses who create an innovation habit get better results.
You will discover that How you innovate is as important as What you innovate.
This is the second of three presentations delivered at an innovation workshop for the Greater Tygerberg Partnership, a non-profit organisation facilitating socio-economic growth in the northern region of Cape Town, in July 2016. This particular deck looked at four innovation theories and methodologies. Like many of my presentations it requires a talking head in front to fully explain. Hopefully, when viewed with the accompanying deck on innovation tools and processes, a viewer will be ale to discern the main themes and points of the workshop. (The third deck in the workshop was just an introduction to the workshop).
Here you get a look at my current thoughts on innovation through a presentation that I will give tomorrow at the Turkey Innovation Week, where I am one of the keynote speakers.
It is a long talk – 1 hour – so I have compiled lots of content in this presentation. Yes, it might even have too many messages, but I hope the participants at the conference as well as those of you, who are just checking out the presentation, can find some inspiration in it without feeling overloaded with information.
Some of the topics I get into are:
• The current state of innovation and the global megatrends that impacts it
• A definition on open innovation and the benefits that come along with it
• Innovation as a career choice – what you need to succeed for this
• My perception of innovation in Turkey (not elaborated, just one case)
• How intrapreneurship can bring together idea and people management
I hope you find it worthwhile your time.
The insiders guide to creating a great first pitch. Topics covered: A brief introduction to the Business Model Canvas, a short how-to craft your brand story, building a basic financial model and tips for designing your visual deck.
Remember, your goal isn't to answer every question, it's to inspire your audience and leave them filled with insightful curiosity.
Basic business advice for those converting part time gigs into "real" business ventures. Slides are a little wordier than usual; the Podcamp Philly Version will be a little more streamlined.
Should you turn that idea into a business? How do you turn that idea into a business?
This webinar walks you through day by day how to start your business or startup.
Bootstrapping and Alternative Sources of Funding - Entrepreneurship 101 (2013...MaRS Discovery District
“Bootstrapping” is the act of building your business using your own funds and revenue from customers, instead of raising money from outsiders such as angel investors and venture capitalists. Most start-up companies use bootstrapping, or alternative sources of funding such as crowdfunding, to build their ventures.
This discussion explains how you can pull your company up by its bootstraps.
Ace your first meeting with a VC by Ran Levitzky, Carmel VenturesViola Group
Ace your first meeting with a VC by Ran Levitzky, Carmel Ventures. How to be best prepared to discuss your startup when first meeting with a ventures capital firm.
More on Ran Levitzky:
https://www.linkedin.com/in/ranlevitzky/
https://www.viola-notes.com/author/ran-levitzky/
From the Women Helping Women in Entrepreneurship on July 24, 2013 at MassChallenge
The Boston entrepreneurial community is home to some of the strongest and most successful women in entrepreneurship. Join the women of Golden Seeds and several local serial entrepreneurs for a discussion on sources of capital for your business. The discussion will be followed by small breakout sessions that focus on the challenges your company may be facing.
www.thecapitalnetwork.org
Great tips, resources, best practices and strategies for entrepreneurs, start-ups, professionals and small business owners.to plan launch and grow successful businesses.
We hear a lot about growing business which tend to lead to thoughts of adding services to existing clients, increasing rates, finding new clients, etc. Now factor in the impact of templosion, what is your strategy for a relevant and growing practice? When we think of growth and being future ready you should pause to reevaluate your growth strategies. In this webcast we will cover tactics to consider when growing a future ready CPA firm through a focus on innovation, being responsive to technology change, involving various team members and more.
Kleos Africa Webinar - Securing Equity FinancingGlory Enyinnaya
Capital is to a business as blood is to a human being. It’s not the fundamental reason for its existence but it’s essential for survival.
To grow in 2020, you need to chart a roadmap for growth and, more often than not, investors will help you get to the next level.
However, statistics show that only 1 in 1000 businesses succeeds in securing investment capital. If you’ve been struggling for capital, and don’t know where to start, this webinar is for you.
In this webinar, Kleos Africa’s Lead Consultant and Beta Gamma Sigma’s Board member, Glory Enyinnaya, will take you through the steps of raising capital from equity investors.
Glory brings to bear her considerable technical expertise as an Accenture-trained management consultant and First Class accountant. She will also draw upon her experience as a technology entrepreneur and the Regional representative of Faster Capital, a venture capital fund in the United Arab Emirates that invests in entrepreneurial projects around the world.
2020 has just begun – will it be the year your business gets funded?
How Your Startup Can Raise Venture Capital in the COVID-19 Eraideatoipo
This presentation will cover some of the key topics that you will need think about as you prepare your startup for venture capital funding.
The speaker will address the following and provide context for the COVID-19 era:
1) Should you be raising money from venture capital investors yet, or does it make sense to seek more angel/friends and family financing to allow you to better succeed when you seek venture capital funding?
2) What kinds of marketing documents will you need?
3) Do you have a compelling team, including the right advisors?
4) Who are your targets?
5) Is your pitch and presentation ready for a prime time audience?
6) Can you effectively answer the questions you will face?
7) Is your company prepared for legal due diligence?
The speaker, veteran startup and corporate attorney Greg Chin of Duane Morris LLP, has seen hundreds of startups succeed and fail.
Greg will address these issues and more!
A great presentation for anyone thinking about starting a business, you'll learn about trends, discover some great businesses to launch and find out how to differentiate your business in the marketplace.
Anatalio Ubalde, CEO of GIS Planning, discusses how to innovate in economic development and other markets. Case studies include media relations marketing, corporate site selection, GIS, creative class, young professionals, and predictive analytics. More at http://www.GISplanning.com
Want to move your career forward? Looking to build your leadership skills while helping others learn, grow, and improve their skills? Seeking someone who can guide you in achieving these goals?
You can accomplish this through a mentoring partnership. Learn more about the PMISSC Mentoring Program, where you’ll discover the incredible benefits of becoming a mentor or mentee. This program is designed to foster professional growth, enhance skills, and build a strong network within the project management community. Whether you're looking to share your expertise or seeking guidance to advance your career, the PMI Mentoring Program offers valuable opportunities for personal and professional development.
Watch this to learn:
* Overview of the PMISSC Mentoring Program: Mission, vision, and objectives.
* Benefits for Volunteer Mentors: Professional development, networking, personal satisfaction, and recognition.
* Advantages for Mentees: Career advancement, skill development, networking, and confidence building.
* Program Structure and Expectations: Mentor-mentee matching process, program phases, and time commitment.
* Success Stories and Testimonials: Inspiring examples from past participants.
* How to Get Involved: Steps to participate and resources available for support throughout the program.
Learn how you can make a difference in the project management community and take the next step in your professional journey.
About Hector Del Castillo
Hector is VP of Professional Development at the PMI Silver Spring Chapter, and CEO of Bold PM. He's a mid-market growth product executive and changemaker. He works with mid-market product-driven software executives to solve their biggest growth problems. He scales product growth, optimizes ops and builds loyal customers. He has reduced customer churn 33%, and boosted sales 47% for clients. He makes a significant impact by building and launching world-changing AI-powered products. If you're looking for an engaging and inspiring speaker to spark creativity and innovation within your organization, set up an appointment to discuss your specific needs and identify a suitable topic to inspire your audience at your next corporate conference, symposium, executive summit, or planning retreat.
About PMI Silver Spring Chapter
We are a branch of the Project Management Institute. We offer a platform for project management professionals in Silver Spring, MD, and the DC/Baltimore metro area. Monthly meetings facilitate networking, knowledge sharing, and professional development. For event details, visit pmissc.org.
NIDM (National Institute Of Digital Marketing) Bangalore Is One Of The Leading & best Digital Marketing Institute In Bangalore, India And We Have Brand Value For The Quality Of Education Which We Provide.
www.nidmindia.com
New Explore Careers and College Majors 2024.pdfDr. Mary Askew
Explore Careers and College Majors is a new online, interactive, self-guided career, major and college planning system.
The career system works on all devices!
For more Information, go to https://bit.ly/3SW5w8W
2. 20
25 Labs
Why Diving into Entrepreneurship?
• Fear may be involved
• You can practice and plan…but it still
involves a leap of faith
• Done well, it may look easy…but it’s actually
a lot of work
• It’s also uncertain – you may crash and burn, you may fail,
you may look like a “fool” in front of a crowd
• But it is exhilarating!
I was a high
school diver, but
this is not me
3. 20
25 Labs
What is entrepreneurship?
• People may envision Uber, Twitter, AirBNB
• Not every new company starts and develops like these
• May be a technology company – or not
• May be Angel/VC funded – or not
• May be planned to become a $ billion company – or not
• May be about a “revolutionary new idea” – or not
• Entrepreneurship = The act of starting (and building) a
new company that did not previously exist
4. 20
25 Labs
Data on entrepreneurship and women-owned business
• Women own 36% of all businesses, according to US
Census data from 2012, a 30% increase from 20071
• 13% of all US adults are involved in entrepreneurship2
• Female entrepreneurs start companies with less capital than male
entrepreneurs3
• In 2014, 15.5% of all US based startups receiving VC funding had
at least one female founder, up from 9.5% in 20094
• “Virtually all net new jobs created in the U.S. between 1980 and
[mid-2000s] were created by firms that were five years old or less”5
2 Forbes, “U.S. Entrepreneurship hits record high”, 2013
1 Forbes, “Why The Force Will Be With Women Entrepreneurs in 2016 ”, 2016
3 National Women’s Business Council, “Access to Capital by High-Growth Women-owned Business, ” 2014
4 TechCrunch, “Female Founders on an Upward Trend, according to CrunchBase”, 2015
5 CNN, “U.S. economy won’t grow fast until we unleash entrepreneurship”, 2016
5. 20
25 Labs
Getting started – some initial milestones
Iterate, build, re-plan, manage from here
Legal Entity and Filings Now you have a business!
Start-up Financing Enough $ to get started
Start-up Team Resourcing
Whoever you need to be able to sell
something – could be just you
Product: Something to Sell Product or service you can sell
Company “Presence”
Collateral to make your company look
legit – web site, business cards, etc.
Bank Account
Place for you to take payments and
pay bills
Sales
You working on selling something to
someone
Taxes and Corporate Filings
Reporting of the state of your
company for taxes and legal filings
Real business
Can take money
Can sell
Have revenue
6. 20
25 Labs
Getting started – some initial milestones
Iterate, build, re-plan, manage from here
Legal Entity and Filings Now you have a business!
Start-up Financing Enough $ to get started
Start-up Team Resourcing
Whoever you need to be able to sell
something – could be just you
Product: Something to Sell Product or service you can sell
Company “Presence”
Collateral to make your company look
legit – web site, business cards, etc.
Bank Account
Place for you to take payments and
pay bills
Sales
You working on selling something to
someone
Taxes and Corporate Filings
Reporting of the state of your
company for taxes and legal filings
Real business
Can take money
Can sell
Have revenue
• Getting to sales does not mean that you have a viable
business model…
• ... or that you can ever achieve viability with your current
plans and directions
• But it is a start
• You will learn from your experiences to here, and you can
evolve your business from that point
• We will come back to the business model topic…
7. 20
25 Labs
Mall Map: simple overview of a business
Product or Service – something to try to sell
Revenue Model Cost Model
Customer Acquisition
Legal Entity and Filings
“Presence”: Marketing, Web, Media
Organization, Hiring, Contracting
Cost of Doing Business
Revenue Generating
Product Related Costs
* Area of legal complexity
May take
iteration to
get to a
viable
business
model
Business Model: Drives your profit
Financial Management
IT, Operations, etc.
* You are here (maybe)
8. 20
25 Labs
What is a legal entity?
Sole Proprietorship
• You own the business as
an individual
• Its bank account is your
personal bank account
• Its debts are your
personal debts
• No “corporate veil” for
liability
Incorporated Business
• Business has been
“incorporated” into an entity
distinct from its owner(s)
• C Corp
• LLC
• Non-profit 501(c)3
• S Corp
• Business has its own bank
account attached to the
business name
• Protection of “corporate
veil” (usually)
9. 20
25 Labs
Business Models: Product vs Technology
Example 1: Software
“Product” Customers Revenue Model
Packaged software
(Office or Intuit - traditional)
• User/Purchasers of the
software
• Businesses
• OEMs (pre-installed PC)
• $ per package sold
• Site license, volume discount
Subscription Software
(e.g., Office 365, Intuit
Online)
• User/Purchasers of
subscriptions
• Can also be businesses
• $ per time period of
subscription
• $ per period per user, etc.
Free Software
(e.g., Google Docs,
Facebook)
• Purchasers of ads
• Purchasers of data
• $ per eyeballs or time
watched, etc.
Can be differentiation between what you are building vs what you are
selling. The same “thing” could be sold through different models
10. 20
25 Labs
Business Models: Product vs Technology
Example 2: “Radio”
“Product” Customers Revenue Model
FM Radio
• Advertisers • Ad revenue
• Sold by duration, peak
times, etc.
Sirius XM
• Subscription purchasers /
listeners
• Car manufacturers?
• $ per time period of
subscription
Pandora
• Companies that buy ads
• Consumers who pay for a
subscription
• “Freemium” (ad-supported)
• Subscription-supported
(ad-free)
Customer = The person who pays. Others are “users”, “listeners”, “readers” –
fans who help you attract paying customers
11. 20
25 Labs
Some key decisions
Goods vs Services
• Physical goods: inventory, shipping
logistics, sales tax, manufacturing
and/or assembly time, etc.
• Services: labor logistics, retention
• Companies can be both gds and svcs
• R&D companies: Can be either, also
have up-front cost of development
For-Profit vs Non-Profit
• Most businesses are for profit
• Non-profit public benefit companies
have many regulatory requirements
• For-profit entities: C-corp, S-corp,
LLC, sole proprietorship
• Pass-through vs corporate tax
Sole Founder vs Partners
• For some people, it’s better to have
partners
• Complementary critical skills
• Partnerships don’t always work and
sometimes dissolve
• It can be ugly!
In-source / Out-source / Skills
• What you (and partners) can do vs
what you need help with
• E.g., outsource web site, logo
creation, manufacturing, etc.
• Cost vs internal skill-sets
• Skills you want vs skills you don’t
12. 20
25 Labs
Recap: Product development in a startup environment
• Expect to iterate on:
• products
• customers
• revenue model
• You might find that you can sell to happy customers – and
lose money doing it
• May need to iterate on your business model
• Lower product cost, higher sales price, different market, volume/
scale, etc.
• Some companies get pretty far with an unproven – or
bad? – business model
• This works if you are well-funded; not everyone has this option
13. 20
25 Labs
We interrupt this story for a few tidbits…
• Steve Blank, “Not All Those Who Wander Are Lost”
• Story about the marketing guy who feels he’s meeting goals
because he has made a bunch of calls (activity-based metric)
• Goal in startup marketing is not activity-based – it’s actual sales
• Guy Kawasaki, Pioneer Summit 2015
• “All you need is someone to build it, and someone to sell it.
Everything else is bullshit”
Stay focused on selling, and the things you need to do to enable it. Those
are your most critical activities.
14. 20
25 Labs
Customer acquisition – some market traits
• Cost Sensitivity:
• Customer’s own money or OPM
(“Other People’s Money”)
• Budget constraints
• Sales Lead Time:
• Size of the organization &
bureaucracy
• Legal/regulatory oversight and
controls
• Individual characteristics within
a market will vary
• Wealthy consumers vs not
• Small, growing businesses vs large
struggling businesses
• But a market overall will tend to
have some characteristics
Cost Sensitivity
Sales Lead Time
Consumer
Large
(stable)
business
Individual customer characteristics vary
Small
business
Gov’t
Well-
funded
startup
Non-profit
(LT varies)
Disclaimer: This is the experience of a two-time
entrepreneur, not a marketing professional
15. 20
25 Labs
Customer acquisition / marketing / sales
What you might see
Social media
ad placement (mobile, print, web)
search key words
direct mail
cold calls / emails
personal contacts
formal bidding process
consumer governmentcorporate
16. 20
25 Labs
Funding your startup
Pre-revenue /
customers
(Seed Stage)
Revenue /Customers
(Early Stage)
• Bootstrap
• Friends and family
• Crowdfunding
• Angel (individuals
with $)
• Micro-VC
• Accelerator /
incubator
• Corporate seed
money
• Founders money
(“bootstrapping”)
• Friends and
family
• Small business
loan?
Getting Started
• Retained earnings
• VC
• Corporate capital
investment
• Debt financing
• Etc.
$
$$
$$$-$$$$
17. 20
25 Labs
Taxes, taxes, taxes!
C-Corp, LLC taxed as a corporation, but not sole prop. or
pass-through entities
Corporate taxes:
LLC taxed as a “pass-through” entity, sole proprietorship,
S-Corp, wages from a C-Corp (double taxation)
Individual taxes:
W-2 employees (including you: you will pay employment
taxes for yourself through corporate or self-employment)
Employment taxes:
Any pass-through or sole-proprietorship will pay
employment taxes through self-employment taxation
Self-employment:
Business license fees (state/local), e.g., for a license
certificate that must be shown in the place of business
License fees:
Collecting, remitting, reporting taxes for physical products.
Rates and taxation varies by state and locality
Sales taxes:
18. 20
25 Labs
Employment and employment law
• Employment laws can be complicated and change often
• Know the difference – employee versus contractor
• Where work is performed, equipment, supervision/control, etc.
• Overtime regulations – recently changed
• Minimum wage laws (federal, state, local)
• Letter of the law vs. spirit of the law
Disclaimer: I’m not a lawyer, or a CPA; this is not the substitute for advice
from a professional…but these are some areas you should keep in mind
19. 20
25 Labs
Final Thoughts
It’s work – but it’s worth it!
Any one idea may well not work out…
… but there are always other businesses
that could be started
Know the financial risk you can handle
Questions?
Your picture here