SME
(brick and mortar)
Five steps to formulate a business plan:
l(Strategic Guide for Canadian Entrepreneurs by IBM)
l
lEvaluate risks and rewards
üCons:  Financing, stress, government bureaucracy, learning curve, risk, cash flow, no medical / benefits
üPros:  your own boss, flexible hours, self-gratification, independent, greater earning potential
lDetermine your skills
üConfident, resilience, self-starter, accept risks, isolation