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" Sammy, will you help us get a loan? The bank says we need a co-signer." How much do you need?" Ten thousand dollars, will you help us get the loan?" When we talked about this before, you said you were saving your money to go into business. How much of the ten thousand have you saved?" We haven't ... Cliff's car needed work, and there's been so many other things that came up. Will you help us?" How did you arrive at the ten thousand dollar figure? Have you written a business plan?" What's that?" I'm surprised the bank didn't tell you they'd require a business plan. Have you calculated your expenses for rent, insurance, utilities, payroll, new equipment, and any work that needs to be done on the building before you open? The bank will need all that, plus your anticipated sales volume. I don't know very much about the restaurant business, but I assume you'll need to consider the cost of printing menus, licensing, the cleaning of uniforms or aprons, and advertising."Heather's eyes. Why do you think that house was made available to you and your family? Why do you think he chose you over at least a hundred other guys who could drive that coach? Your old boss, Grant Depassie, thought you were the cream of the crop. I did the background check on you and it came up clean. It also told us that you weren't just an ordinary guy. I wasn't so sure, to be honest, but I was willing to wait and see. I'm still waiting and seeing, but so far, you seem to be 'as advertised.'" It's a pretty big leap to go from driver to rancher, don't you think?" I said with a health portion of skepticism."Doug, what you'll need to do is watch and learn. At some point you'll find which part of management you feel more comfortable with. If it doesn't happen, then it doesn't happen and you continue on as the driver. I have a feeling that you will find something that interests you, and that you can grab onto."There are three elements to this business. The first is management of the ranch.
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