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_12_C,QJ_1_AC,QJ_2B_AC,QJ_2C_AC,QJ_2D_AC,QJ_3_AC,QJ_3A_AC,QJ_4_AC,QJ_4A_AC,QJ_5M_AC,QJ_5Y_AC,QJ_1_AT,QJ_2B_AT,QJ_2C_AT,QJ_2D_AT,QJ_3_AT,QJ_3A_AT,QJ_4_AT,QJ_4A_AT,QJ_5M_AT,QJ_5Y_AT,QJ_1_IA,QJ_2B_IA,QJ_2C_IA,QJ_2D_IA,QJ_3_IA,QJ_3A_IA,QJ_4_IA,QJ_4A_IA,QJ_5M_IA,QJ_5Y_IA,QJ_1_JS,QJ_2B_JS,QJ_2C_JS,QJ_2D_JS,QJ_3_JS,QJ_3A_JS,QJ_4_JS,QJ_4A_JS,QJ_5M_JS,QJ_5Y_JS,QJ_1_OT,QJ_2B_OT,QJ_2C_OT,QJ_2D_OT,QJ_3_OT,QJ_3A_OT,QJ_4_OT,QJ_4A_OT,QJ_5M_OT,QJ_5Y_OT,QJ_5X,QJ_6,QJ_6_A,QJ_6_B,QJ_6_C,QJ_6_D,QK_1_A,QK_2B_A,QK_2C_A,QK_2D_A,QK_3_A,QK_3A_A,QK_4_A,QK_4A_A,QK_5M_A,QK_5Y_A,QK_6_A,QK_6A_A,QK_7_A,QK_7A_A,QK_7BD_A,QK_7BM_A,QK_8_A,QK_9_A,QK_9A_A,QK_9B_A,QK_9C_A,QK_9D1_A,QK_9D2_A,QK_9E_A,QK_1_B,QK_2B_B,QK_2C_B,QK_2D_B,QK_3_B,QK_3A_B,QK_4_B,QK_4A_B,QK_5M_B,QK_5Y_B,QK_6_B,QK_6A_B,QK_7_B,QK_7A_B,QK_7BD_B,QK_7BM_B,QK_8_B,QK_9_B,QK_9A_B,QK_9B_B,QK_9C_B,QK_9D1_B,QK_9D2_B,QK_9E_B,QK_1_C,QK_2B_C,QK_2C_C,QK_2D_C,QK_3_C,QK_3A_C,QK_4_C,QK_4A_C,QK_5M_C,QK_5Y_C,QK_6_C,QK_6A_C,QK_7_C,QK_7A_C,QK_7BD_C,QK_7BM_C,QK_8_C,QK_9_C,QK_9A_C,QK_9B_C,QK_9C_C,QK_9D1_C,QK_9D2_C,QK_9E_C,QK_10_X,QK_11,QK_11_A,QL_1,QL_2_A,QL_3_A,QL_3A_A,QL_4_A,QL_4A_A,QL_5B_A,QL_5C_A,QL_5D_A,QL_6Y_A,QL_6M_A,QL_2_B,QL_3_B,QL_3A_B,QL_4_B,QL_4A_B,QL_5B_B,QL_5C_B,QL_5D_B,QL_6Y_B,QL_6M_B,QL_2_C,QL_3_C,QL_3A_C,QL_4_C,QL_4A_C,QL_5B_C,QL_5C_C,QL_5D_C,QL_6Y_C,QL_6M_C,QL_7,QL_8A,QL_9A,QL_8B,QL_9B,QL_8C,QL_9C,QM_1,QM_2_A,QM_3B_A,QM_3C_A,QM_3D_A,QM_4_A,QM_5_A,QM_6_A,QM_2_B,QM_3B_B,QM_3C_B,QM_3D_B,QM_4_B,QM_5_B,QM_6_B,QM_2_C,QM_3B_C,QM_3C_C,QM_3D_C,QM_4_C,QM_5_C,QM_6_C,QM_7,QM_8,QM_8_A,QM_8_B,QM_9_A,QM_9A2_A,QM_9A3_A,QM_9A4_A,QM_9B_A,QM_9C_A,QM_9_B,QM_9A2_B,QM_9A3_B,QM_9A4_B,QM_9B_B,QM_9C_B,QM_9_C,QM_9A2_C,QM_9A3_C,QM_9A4_C,QM_9B_C,QM_9C_C,QM_11,QN_1,QN_2_A,QN_3_A,QN_4_A,QN_5_A,QN_5A_A,QN_6B_A,QN_6C_A,QN_6D_A,QN_7_A,QN_8_A,QN_2_B,QN_3_B,QN_4_B,QN_5_B,QN_5A_B,QN_6B_B,QN_6C_B,QN_6D_B,QN_7_B,QN_8_B,QN_2_C,QN_3_C,QN_4_C,QN_5_C,QN_5A_C,QN_6B_C,QN_6C_C,QN_6D_C,QN_7_C,QN_8_C,QN_9,QN_9_A,QN_9_B,QN_9_BM,QN_10_A,QN_11_A,QN_11A_A,QN_12_A,QN_12A_A,QN_13B_A,QN_13C_A,QN_13D_A,QN_14_A,QN_15_A,QN_10_B,QN_11_B,QN_11B_B,QN_12_B,QN_12A_B,QN_13B_B,QN_13C_B,QN_13D_B,QN_14_B,QN_15_B,QN_10_C,QN_11_C,QN_11A_C,QN_12_C,QN_12A_C,QN_11A_B,QN_13B_C,QN_13C_C,QN_13D_C,QN_14_C,QN_15_C,QO_1,QO_1_M,QO_2_A,QO_2_B,QO_2_C,QO_2_D,QO_2_E,QO_2_EM,QO_2_F,QO_2_G,QO_2_H,QO_2_I,QO_2_IM,QO_2_J,QO_2_K,QO_2_L,QO_2_M,QO_2_MM,QO_3,QO_4,QO_4_A,QO_4_B,QO_4_C,QO_4_DM,QO_4_DY,QP_1_1,QP_1_2,QP_1_3,QP_1_4,QP_1_5,QP_1_6,QP_1_7,QP_1_8,QP_1_9,QP_1_10,QP_1_11,QP_1_11M,QP_2_1,QP_2_2,QP_2_3,QP_2_4,QP_2_5,QP_2_6,QP_2_6M,QP_3,QP_3_A,QQ_1,QQ_1_A,QQ_2,QQ_2_A,QQ_2_B,QQ_2_C,QQ_3,QQ_4,QR_1,QR_2,QR_3,QR_4,QR_4_A,QR_4_B,QR_4_C,QR_4_D,QR_5_A1,QR_5_A2,QR_5_B1,QR_5_B2,QR_5_C1,QR_5_C2,QR_5_D1,QR_5_D2,QR_5_E1,QR_5_E2,QR_5_F1,QR_5_F2,QR_5_G1,QR_5_G2,QR_5_H1,QR_5_H2,QR_5_I1,QR_5_I2,QR_5_J1,QR_5_J2,QR_5_K1,QR_5_K2,QR_5_L1,QR_5_L2,QR_5_M1,QR_5_M2,QR_5_N1,QR_5_N2,QR_5_O1,QR_5_O2,QR_5_P1,QR_5_P2,QR_5_Q1,QR_5_Q2,QR_5_R1,QR_5_R2,QR_5_S1,QR_5_S2,QR_5_SM,QR_5TOT,QR_5TOT2,QR_6,QR_6_A1,QR_6_B1,QR_6_A2,QR_6_B2,QR_6_A3,QR_6_B3,QR_7,QR_7_A,QR_8,QR_9,QR_10,QR_11_A1,QR_11_A2,QR_11_B1,QR_11_B2,QR_11_C1,QR_11_C2,QR_11_D1,QR_11_D2,QR_11_E1,QR_11_E2,QR_11_F1,QR_11_F2,QR_11_G1,QR_11_G2,QR_11_GM,QR_11TOT,QR_12,QR_13_A1,QR_13_A2,QR_13_B1,QR_13_B2,QR_13_C1,QR_13_C2,QR_13_CM,QR_13TOT,QS_1,QS_1_1A,QS_1_1C,QS_1_1D,QS_1_1E,QS_1_2A,QS_1_2C,QS_1_2D,QS_1_2E,QS_1_3A,QS_1_3C,QS_1_3D,QS_1_3E,QS_2,QS_2_A,QS_3,QS_4,QS_5_A,QS_5_B,QS_5_C,QS_5_D,QS_5_E,QS_5_F,QS_5_G,QS_5_H,QS_5_I,QS_5_J,QS_5_K,QS_5_L,QS_5_M,QS_5_N,QS_5_NM,QS_5_X,QS_6_A,QS_7B_A,QS_7C_A,QS_7D_A,QS_8_A,QS_8A_A,QS_9_A,QS_10_A,QS_11_A,QS_12_A,QS_13_A,QS_14_A,QS_14AA1,QS_14AA2,QS_15_A,QS_15A_A,QS_15B_A,QS_16_A,QS_16A_A,QS_6_B,QS_7B_B,QS_7C_B,QS_7D_B,QS_8_B,QS_8A_B,QS_9_B,QS_10_B,QS_11_B,QS_12_B,QS_13_B,QS_14_B,QS_14AB1,QS_14AB2,QS_15_B,QS_15A_B,QS_15B_B,QS_16_B,QS_16A_B,QS_6_C,QS_7B_C,QS_7C_C,QS_7D_C,QS_8_C,QS_8A_C,QS_9_C,QS_10_C,QS_11_C,QS_12_C,QS_13_C,QS_14_C,QS_14AC1,QS_14AC2,QS_15_C,QS_15A_C,QS_15B_C,QS_16_C,QS_16A_C,QS_17_X,QS_18_A,QS_19_A,QS_20_A,QS_20A_A,QS_21B_A,QS_21C_A,QS_21D_A,QS_18_B,QS_19_B,QS_20_B,QS_20A_B,QS_21B_B,QS_21C_B,QS_21D_B,QS_18_C,QS_19_C,QS_20_C,QS_20A_C,QS_21B_C,QS_21C_C,QS_21D_C,QS_22_A,QS_22_B,QS_22_C,QS_22_D,QS_22_E,QS_22_F,QS_22_G,QS_22_H,QS_22_I,QS_22_J,QS_22_K,QS_22_L,QS_22_M,QS_22_N,QS_22_O,QS_22_OM,QT_1,QT_2A,QT_2_AM,QT_3_A,QT_4_A,QT_5_A,QT_2B,QT_3_B,QT_4_B,QT_5_B,QT_2C,QT_3_C,QT_4_C,QT_5_C,QT_2D,QT_3_D,QT_4_D,QT_5_D,QT_2E,QT_3_E,QT_4_E,QT_5_E,QT_2F,QT_3_F,QT_4_F,QT_5_F,QT_2G,QT_2_GM,QT_3_G,QT_4_G,QT_5_G,QU_0,QU_1,QU_1RELA,QU_1_A,QU_5H,QU_5M,QU_5AP,QU_6,Q1_2_B,Q1_8C 14,9,13,97,10,45,1,1,58,Mississippi,1,2,********************,********************,2,*,A,2,2,55,Mississippi,2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,44,1,Roseland,.,27,1,1,Boxing promotion,65,Farmer-grew crops on his farm,1,2,******************************,5,1,9,********************,4,1,1,2,Prior Business 1,Boxing company,Chicago,IL,USA,3,*,Prior Business 2,Band/singing group,Chicago,IL,USA,2,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,88,2,*,*,*,2,0,Friend told me the space was available that I could afford,Cleaning services for anything that needs cleaning,1,*,2,*,300,20000,0,8000,0,*,0,*,0,*,28300,1,0,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,28300,0,0,0,0,28300,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not need it. I had my own money.,Screening workers. If a person said he wanted a job or work I would say OK. Everyone did not want to work.,1,Turn around time from city and state contracts-- sometimes 3 months before 1st check.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,1,.,*,1,New Partner 1,1,"Have known for years--sister's old boyfriend",1,.,49,1,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,51,1,He runs most of business day to day operations--I oversee marketing and I sign the checks.,1,Lender for Operation,"I've been with them for over 20 years",Chicago,IL,USA,2,1,1,Line of credit for janitorial,300000,1,*,.,*,2,.,.,1,CDs & A/C contracts,125000,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,12000,1,.,.,2,Keypunch Supervisor,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,.,40,1,A,16,Cleaning supplies,40,1,B,15,Payroll clerk,40,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,320,275,45,0,305,5,10,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,1,1,2,2,*,"That's the best way for us.",14,0,0,.,8,Fired--not coming to work.,2,*,.,*,1,Chicago,IL,USA,2,5,1,Used to work together,.,16,1,Chicago,IL,USA,1,.,1,Friends,.,1,1,Chicago,IL,USA,2,1,1,Partners used to work with him,N,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Crestwood,IL,USA,2,1,1,Referral from friend,.,10,1,0,Net 30,.,30,.,5% if late,2,.,*,.,.,.,*,Supplier 2,Crestwood,IL,USA,2,1,1,Referral,.,.,1,0,Net 30,.,30,.,5%,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Drove by and saw,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,To keep money in the neighborhood,Use Black business when I can,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one-Just started when I saw a need,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,250,5,********************,A,1,Belong to organization,1,.,Chicago,IL,USA,"Bids, SBA",My office,B,1,belongs to orgnztion,1,.,Chicago,IL,USA,"Bids, Advertising",My office,C,.,*,.,.,Belong to organization,********************,**,********************,*,*,1,********************,80,10,10,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,2,1,2,2,2,*,2,*,1,"Better trained workers to give higher quality of work, better job of marketing the business.",1,.,"It's a good business and I would like to have it with someone who would take care of it--something always needs to be cleaned.",*,"Don't plan to retire",Florida,3000000,50000,1,2,2,********************,1,.,560,2,950,2,960,2,6000,2,300,2,350000,2,8333,2,1500,2,500,2,0,.,300,2,2000,2,0,.,833,2,25,2,200,2,142,2,0,.,.,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,40000,.,Ref,.,1500000,100000,.,100000,.,0,0,1000000,.,250000,.,0,0,0,0,********************,1500000,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,1,2,2,2,2,2,2,2,2,*,1,1,"Liability, theft, fire",1000000,.,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,., -4,.,-4,.,.,.,-4,1,Workers Comp,.,.,2,1,1,********************,.,1,10,2,1,, 17,6,5,98,1,58,2,1,56,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,48,"Chicago, IL",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Grand Blvd,.,15,1,2,*,90,Bus driver,1,1,******************************,5,1,9,********************,5,1,1,3,Prior Business 1,Fast food,Chicago,IL,USA,1,*,Prior Business 2,Ads for insurance,Chicago,IL,USA,1,*,Prior Business 3,Fast foods,Chicago,IL,USA,1,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,4,97,2,*,*,*,2,0,"Knew previous owner, signed a lease for location from Allstate insurance","Home ownership insurance, auto insurance, business insurance, financial services and health/disability insurance",1,*,2,*,1500,75000,0,0,70,Electricity,0,*,0,*,76570,1,0,70000,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,6570,0,0,0,0,76570,.,.,*,.,*,Lender 1,Need funds to open business,Chicago,IL,USA,.,.,2,.,4,*,1,5,0,2,********************,.,50000,2,.,Lender 2,Granted me the amount I needed,Bellwood,IL,USA,2,1,2,.,4,*,1,7,0,2,********************,.,20000,2,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,1,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,24000,1,Owner,.,2,Counselor at school,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager/owner,.,.,A,2,Computer input data,15,1,B,3,Give advice to clients,15,1,C,8,Janitor,18,1,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Reputation,0,2,1,.,.,.,1,.,1,Worked together in previous business,0,34,2,********************,**,**********,.,.,.,*,**,.,1,Chicago,IL,USA,1,.,8,*,0,30,2,********************,**,**********,.,.,.,*,.,.,1,1,"I already knew the providers--I am not prejudice, just hire people that were available.",*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Used in previous business,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Across the street from business,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Have an account with the bank,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,Oak Park,IL,USA,4,0,Visa,2,-4,2,1,Chicago,IL,USA,3,0,Creditor 3,2,-4,1,.,Chicago,IL,USA,0,2,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Member just go to meetings,Just listen,Association 2,Chicago,IL,USA,2,"Organizations, financial business",Financial information,Association 3,********************,**,********************,********************,*,*,.,1,Allstate Insurance,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Didn't need service",Business associates/friends,A,1,Use service before,1,.,Chicago,IL,USA,Finance,Prairie Shore office,G,1,Reputation,1,.,Chicago,IL,USA,Advertisement,His office/phone,C,22,Friend,1,.,Chicago,IL,USA,Location/finance,His home/restaurant,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,70,25,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,Customers that have paid on time before,Three months to pay back if not extend up to year by good credit,3,3,1,2,2,2,2,2,2,2,2,2,2,1,Awareness,2,2,2,2,2,1,Demand for people to know about services,1,Need more capital and bigger budget to solve problem of awareness in investment strategy,1,Stronger marketing and investment--strategy for expansion of risk capital and hire more people in the community,4,.,*,*,*,*,.,.,2,2,2,********************,1,.,0,.,1500,2,500,2,170,2,0,.,5000,2,0,.,6000,2,0,.,0,.,67,2,250,2,3000,2,350,2,8,2,0,.,0,.,0,.,0,.,*,16845,2,1,Charity 1,1000,Charity 2,5000,Charity 3,0,.,.,.,.,175000,5000,3,80000,46,0,0,0,0,70000,40,0,0,20000,11,Signet,175000,40000,40000,100,0,0,0,0,0,40000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago,IL,USA,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Just open business in (97),1,2,*,.,.,-4,1,300000,300,1,1,90000,900,1,1,100000,1200,1,2, -4,.,-4,1,150000,340,1,2,*,.,.,-4,.,.,********************,.,3,0,2,3,, 27,5,15,98,2,0,2,1,62,South Carolina,1,2,********************,********************,2,*,A,2,2,59,South Carolina,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,8,0,*,********************,8,Buda,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,South Carolina,.,********************,36,1,Chatham,.,9,1,2,*,45,Barber/shined shoes,1,1,******************************,1,3,8,********************,2,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Barber,0,12,4,1,How to give a good cut--how to work with people and keep them happy.,Business,7,67,2,*,*,*,2,0,Looking for a job,Hair cuts,1,*,2,*,60,300,0,200,40,Telephone,200,Bank,0,*,800,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,800,0,0,0,0,800,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I knew that I couldn't get one.",Getting customers,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't need them",45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,He came to me,0,15,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,.,PA,USA,2,1,1,A supplier,.,20,1,0,120 days,0,0,4,Cash only,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,1,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,1,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,They have their own life and they are not in Chicago,I have none,Right here,.,.,2,2,2,********************,1,.,250,2,600,2,120,2,200,2,0,.,0,.,800,2,0,.,0,.,0,.,0,.,60,2,0,.,0,.,2,2,0,.,0,.,0,.,0,.,*,2032,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Had none,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability",.,200,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,3,35,2,2,, 30,1,9,98,4,15,2,2,40,"New York, NY",1,2,********************,********************,2,*,A,6,1,3,"Chicago, IL",2,********************,********************,9,Child,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,17,3,*,USA,2,*,.,*************************,2,8,Apostolic Church of God,.,*,1,*,.,.,1,*,.,21,.,********************,38,1,Chatham,.,15,1,2,*,60,Crane operator--moving heavy objects with a crane-truck.,1,1,******************************,1,1,8,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,7,78,2,*,*,*,2,.,It was near my home.,"Clothing, shoes and accessories",1,*,2,*,0,0,0,0,0,*,0,*,0,*,0,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,0,0,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't think I could get it.",Just had a hard time getting a sing,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,I have no family,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,New York,NY,USA,2,1,1,Apparel market,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,2,1,1,Apparel market,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,New York,NY,USA,2,1,1,Apparel market,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,New York,NY,USA,3,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No reason,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,5,3,********************,A,1,.,1,.,Chicago,IL,USA,Money,Phone or here,B,1,***********,1,.,Chicago,IL,USA,Money,Raggs,C,1,.,1,.,.,Chicago,IL,USA,Money,Raggs,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,1,When they are good customers,Just long term customers,0,3,.,1,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,1,Lack of funds,1,Having sales,2,.,*,I have no family,"I don't think I will ever retire.",Chicago,15000,.,2,1,.,********************,.,.,1000,2,1700,2,400,2,0,.,60,2,0,.,0,.,0,.,0,.,0,.,0,.,30,2,0,.,0,.,125,1,0,.,0,.,0,.,0,.,*,3215,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,.,10000,50000,5000,10,0,0,45000,90,0,0,0,0,0,0,0,0,********************,50000,300000,0,0,0,0,300000,100,Due to me,300000,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,Slow,Just keep trying and using personal accounts.,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Borrow from myself.,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,1,Re-pay myself,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,5,40,2,3,, 34,2,16,98,5,15,2,1,83,Mississippi,1,2,********************,********************,2,*,A,2,2,69,"Gary, IN",2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,8,0,*,********************,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Mississippi,.,********************,60,1,Chatham,.,40,1,2,*,25,Cab driver--driving people to and from places and pipe fitter (plumbing),1,1,******************************,5,1,9,********************,5,1,1,3,Prior Business 1,Repair,Chicago,IL,USA,3,*,Prior Business 2,Repair,Chicago,IL,USA,2,*,Prior Business 3,Service,Chicago,IL,USA,2,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,48,2,*,*,*,2,0,Brought the building,Service repair,2,Repair service,2,*,0,0,350,50000,0,*,0,*,0,*,50350,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,200,0,0,0,0,200,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Didn't need it",Good service,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,I have a person who I employ,25,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,He has been with me for years,.,0,0,15,.,.,They die,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,"Can't remember",0,30,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Melrose,IL,USA,2,1,1,Ads,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Ads,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Too old,1,Small Business Association,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Don't need it",Wife,A,2,N,1,.,Chicago,IL,USA,Opening up the business,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,5,15,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,My children know how hard I have worked,*,I have none,Chicago,.,.,1,1,.,********************,.,.,200,2,0,.,150,2,45,2,0,.,1400,2,.,.,0,.,0,.,0,.,0,.,25,2,0,.,0,.,2,2,0,.,0,.,0,.,0,.,*,1822,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,50,.,15,.,25,0,0,.,10,0,0,0,0,********************,.,.,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,2,2,2,2,*,1,.,*,.,.,-4,1,.,.,-4,1,.,.,-4,1,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,7,30,2,2,, 35,1,10,98,8,55,1,1,50,"Chicago, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,13,1,*,USA,1,*,1,*************************,2,8,Christian Science,.,*,1,*,.,.,1,*,.,21,.,********************,97,.,Bronzeville,.,3,1,2,*,40,Laborer--factory worker.,1,1,******************************,5,4,4,********************,3,1,1,1,Prior Business 1,Recordings,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,1,2,*,22,2,Chicago,IL,USA,1,Helper,0,5,0,1,"How to service consumers, how to order what sells & what don't.",Business,6,94,4,*,*,*,2,0,It was there for years.,Newspapers,1,*,2,*,0,0,0,0,0,*,0,*,0,*,0,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,0,0,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need any, I have 30 days to pay for my papers.",Make sure I was at work early to keep my consumers happy.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"It's only me.",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,1,2,2,2,2,2,2,*,It always works.,1,0,0,4,0,"Can't take being out in the cold weather.",2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,I knew him,0,4,1,0,30 days to pay,0,30,0,You pay interest,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,I knew him,0,4,1,0,30 days to pay,0,30,0,You pay interest,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,I knew him,0,4,1,0,30 days to pay,0,30,0,You pay in,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,5,Hispanic,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,2,*,2,*,4,.,*,*,*,*,.,.,1,1,.,********************,.,.,0,.,0,.,0,.,0,.,0,.,400,2,500,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,125,1,0,.,0,.,0,.,0,.,*,1025,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,4000,2000,50,0,0,2000,50,0,0,0,0,0,0,0,0,********************,4000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,9,45,1,3,, 36,5,11,98,3,0,2,2,49,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,13,1,*,.,1,*,1,*************************,2,8,United Church of Christ,.,*,1,*,.,.,1,*,.,Haiti,.,********************,30,1,South Shore,.,20,1,2,*,45,Government worker--postal employer--mail handler,1,1,******************************,4,1,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,8,75,2,*,*,*,2,0,I was looking for larger space because my business was too large for my home,Custom dress making,1,*,2,*,600,0,50,5000,350,Bank,0,*,0,*,6000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,6000,0,0,0,0,6000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I had been working out of my home and saving my money--I didn't need it.",Just getting the orders filled on time,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,In my area,Chicago,IL,USA,2,1,1,To expand business,10000,2,No credit history,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,Doing business with them,Chicago,IL,USA,1,.,1,To expand business,10000,2,No credit history,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,I have none,45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Ad,0,10,2,********************,**,**********,.,.,.,*,.,.,1,.,.,.,1,.,1,Friend,0,7,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,I just want the right person for the service--ethnicity has no part in it.,*,.,*,Supplier 1,.,CA,USA,2,1,1,Fashion show,6,5,1,0,60-90 days,0,90,3,Cash only,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't have time",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,A friend in school,A,22,At school,1,.,Chicago,IL,USA,How I wanted to start my own shop,"School, phone, home",.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,0,0,3,Hispanic,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,1,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,.,.,2,2,2,********************,1,.,2000,2,700,2,150,2,200,2,0,.,0,.,.,.,0,.,0,.,0,.,8,2,75,2,0,.,0,.,2,2,0,.,0,.,350,2,0,.,*,3485,2,1,Charity 1,500,Charity 2,.,Charity 3,.,.,.,Saving or stock up,.,50000,25000,50,15000,30,0,0,0,0,10000,20,0,0,0,0,********************,50000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,1,2,2,2,2,2,2,2,2,*,1,1,Fire/theft,400000,2400,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,10,2,3,, 45,7,10,97,12,0,2,1,71,"Memphis, TN",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,12,0,*,********************,1,*,1,*************************,2,8,None,.,*,1,*,.,.,1,*,.,"Memphis, TN",Arkansas,Africa,60,1,Chatham,44,18,1,2,*,126,"I don't know what he did.",.,.,*,2,1,8,********************,5,.,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Forest Park,IL,USA,2,Laboratory Supervisor,5,23,0,1,"All of them. I managed the lab, supervised the employees, bought the supplies. I ran the entire operation. ",Business,8,82,5,Leased it and the bought it.,*,*,2,0,It was already chosen because it was here when we bought it. ,Bowling and refreshments,1,*,2,*,800,0,1000,0,1500,Refreshments,0,*,0,*,3300,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3300,0,0,0,0,3300,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because we had enough money in our savings account. ,Equipment breakdowns,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I can handle it all myself. My son isn't interested in it.",126,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,.,.,********************,1,4,2,2,0,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,1,1,2,2,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,2,2,2,1,My impression of them,I get the best results that way. I train them myself. ,0,0,2,5,0,They find a better job with better pay. ,1,Locksmith,2,*,1,Wheaton,IL,USA,1,.,1,The firm divided up the accounts and he got me.,0,10,1,Loop area,IL,USA,1,.,1,Business associate,0,20,1,.,.,USA,1,.,22,Had NY life ins. policy w/him,0,20,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"Because I'm acquainted with them and know they provide good service. ",*,.,*,Supplier 1,Elk Grove,IL,USA,2,1,1,Work for the supply company,0,20,1,0,"I don't know",.,.,.,"Don't know",2,.,*,.,.,.,*,Supplier 2,Oak Lawn,IL,USA,2,1,1,Clerk in the store,0,8,1,0,"Don't know",.,.,.,"Don't know",2,.,*,.,.,.,*,Supplier 3,Los Angeles,CA,USA,.,.,1,Ordered through catalog,0,10,1,0,"Don't know",.,.,.,"Don't know",2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Lincolnwood,IL,USA,1,Information about how to keep up with latest trends and equipment in the bowling business ,Seminars and meetings,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other owners of bowling alleys,A,1,BPA member,1,.,Chicago,IL,USA,Was it a good idea to own a bowling alley ,His place,Jacob 1,1,BPA member,1,.,Chicago,IL,USA,What were the pitfalls,His place,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,1,1,1,1,1,1,2,1,2,*,1,2,1,1,1,2,*,1,"I'm afraid I couldn't pay it off. Business is so slow now. ",1,"I'd like to install automatic scoring and I'd like to re-decorate. ",1,.,"They're not into it. It's a lot of work and they don't want it. But I wish they did want to take over. ",*,"I haven't thought about it.",I enjoy keeping busy. I like running my business.,200000,.,1,1,.,********************,.,.,0,.,0,.,200,2,15000,1,0,.,2500,2,0,.,0,.,0,.,25000,1,200,2,150,2,200,2,200,1,500,1,5000,1,1500,3,265,3,0,.,*,50715,.,1,Charity 1,200,Charity 2,.,Charity 3,.,999999,.,N,0,250000,0,0,0,0,250000,100,0,0,0,0,0,0,0,0,********************,250000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,1,1,"Fire, Theft, Liability ",700000,12000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,1, 200000,600,1,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,1,15,2,2,, 49,3,11,98,2,0,2,2,52,IL,1,2,********************,********************,2,*,A,12,1,12,IL,2,********************,********************,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,97,.,2,*,80,He worked at a steel mill,1,1,******************************,4,3,4,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,-3,Chicago,IL,USA,.,Sorter,0,12,0,2,*,Business,.,79,1,*,Bought it,The previous owner,2,0,"I've been in the area all my life, I grew up around here and I know I wanted the business to be here.",Daycare center,1,*,2,*,0,5000,0,5000,11000,Building,0,*,0,*,21000,1,20000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,1000,0,0,0,0,21000,.,.,*,.,*,Lender 1,I needed the money,Chicago,IL,USA,1,.,2,.,15,*,1,5,0,2,********************,.,20000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Getting the recognition--people not knowing the businesss was here.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,My daughter is in school now--when she graduate she will work here.,80,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,2,2,2,2,1,2,2,2,2,*,"I just use ads and wait for a response. I can't have people walking in off the street.",5,0,0,4,0,To go work somewhere else.,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Been with family longtime,0,30,1,Chicago,IL,USA,1,.,1,Walk-in,0,15,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"That's what I prefer to do.",*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My sister and friends.,A,7,N,1,.,Country Club Hills,IL,USA,If I could make it work & where whould I get financing.,Her home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,1,2,*,2,*,2,*,1,.,I think it would be nice for my daughter to take over after I retire.,*,"I haven't made any plans.",Chicago,.,.,1,1,.,********************,.,.,1000,2,0,.,300,2,83,2,50,2,.,.,.,.,0,.,0,.,0,.,17,2,150,2,150,2,0,.,13,2,175,2,0,.,0,.,0,.,*,1938,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Re-invested into the business,.,70000,5000,8,5000,8,60000,85,0,0,0,0,0,0,0,0,********************,70000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",100000,900,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,2,50,2,2,, 53,7,7,97,11,0,1,2,62,Arkansas,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,14,0,*,********************,1,*,8,Church of the living God,1,.,*,.,*,1,*,.,.,1,*,.,Carribean,Arkansas,.,28,1,Chatham,44,28,1,1,I own some apartment buildings and collect rents.,50,He was a farmer and then became an auto mechanic by trade.,1,1,******************************,1,1,9,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,-2,Chicago,IL,USA,1,Dept. mgr.,12,9,0,1,The management part. How to handle people and motivate employees to do the best job possible.,Business,5,81,1,*,Bank loan,A friend told me the building and the business were for sale.,2,0,"The Chatham area is the best area in the city for a black person to open a business. It's a well kept middle class neighborhood.",A clothes cleaning service plus leather cleaning service.,1,*,2,*,0,70000,0,0,0,*,0,*,0,*,70000,1,60000,0,0,0,*,4000,0,0,0,0,********************,0,1,0,0,0,0,6000,0,0,0,0,70000,.,.,*,.,*,Lender 1,Somebody told me about them ,Chicago,IL,USA,2,1,2,.,14,*,1,10,0,1,Real Estate holdings,60000,60000,2,.,Lender 2,Because I knew she had some money ,Chicago,IL,USA,1,.,1,7,0,"Because she's my sister and wanted to help ",2,.,.,2,********************,.,4000,2,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,My husband had a checking account there before he died.,1,1,.,Chicago,IL,USA,60000,They thought it was too much of a risk without my husband.,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Learning how to run the equipment,1,The first bank turned me down and Pullman charged me 14% interest.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Rental properties I owned,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Management,50,2,A,8,Janitorial,5,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,1,2,2,*,"It isn't good to hire family and friends. It's better to keep it on a strictly business level. ",0,3,0,12,0,Retirement and poor health.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Neighbor,0,8,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Neighbor,0,8,1,Chicago,IL,USA,1,.,8,N,0,16,2,********************,**,**********,.,.,.,*,.,.,1,1,"It's convenient because they live in the neighborhood.",*,.,*,Supplier 1,Hammond,IN,USA,2,1,1,Recommended by other dry cleaners,0,8,1,500,30 days,.,30,0,"I don't know",2,.,*,.,.,.,*,Supplier 2,Lansing,IL,USA,2,1,1,Recommended by other dry cleaners,0,8,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,"Try to solve problems, speakers from banks on how to get loans",Advice on loans,Association 2,.,.,.,Multi-ethnic,"Cleaning information, environmental impact, environmental state laws",State laws,Association 3,.,MN,USA,Multi-ethnic,"Cleaning information, environmental impact, environmental law",Pamphlets on environmental law,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,People who owned their own dry clearners. The people at the Small Business Association. ,A,22,He was in dry cleaning business,1,.,Chicago,IL,USA,Gross income/growth/expenses,At his store,Small Business Assn,1,Olive Harvey College has a SBA office,2,6,Chicago,IL,USA,Cost of starting a business,Their office,C,.,*,.,.,********************,**,********************,*,********************,1,3,5,********************,A,1,Cleaners Guild,2,1,.,.,.,Environmental laws,Phone,B,1,Cleaners Guild,2,.,.,.,.,Environmental laws & cleaning equipment,Phone,C,1,Cleaners Guild,2,.,*,.,.,.,Equipment and environmental laws,Phone,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,1,2,1,2,2,1,2,2,*,2,2,1,1,2,2,*,2,*,1,"I'm getting all new equipment. I'm remodeling the store and redecorating.",1,.,"I'd like to keep it going. Keep it alive and keep it in the family. ",*,"I'm not going to retire.",In Chatham in Chicago.,80000,82000,1,1,.,********************,.,.,2000,2,0,.,400,2,2100,1,150,2,600,4,0,.,5000,1,0,.,1700,1,0,.,1800,1,5000,1,0,.,125,1,10000,1,12500,1,12500,1,0,.,.,53875,.,1,Charity 1,500,Charity 2,200,Charity 3,300,.,.,*,.,100000,0,0,30000,30,70000,70,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,94,Lack of customers,I do more advertising. I borrowed from friends. ,1,2,2,2,2,2,2,2,2,2,2,2,2,1,More advertising,1,Assister 1,Chicago,IL,USA,1,.,2,Cash,17000,0,Friendship,1,3,1,2,********************,.,2,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,2,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability",80000,18000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,1,40,2,1,, 54,7,3,97,10,0,1,1,61,Chicago,1,2,********************,********************,2,*,A,2,2,45,Chicago,2,********************,********************,1,*,B,5,2,15,Chicago,2,********************,********************,8,*,C,5,2,8,Chicago,2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,8,Christian Scientist,2,8,None,.,*,1,*,.,.,1,*,.,Africa,Africa,Africa,97,.,Matteson,.,12,1,1,"Investments, stocks and bonds",55,"Electrician, handyman. General maintenance and repair of buildings & houses. ",1,1,******************************,1,3,8,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,-2,Chicago,IL,USA,2,Asst. Admin. of Fiscal Affairs,10,4,0,1,Supervisory skills. How to delegate authority and duties. ,Business,10,80,2,*,*,*,2,0,"Originally I didn't live too far from here. I intended to serve black clients because they were the clients I was aquainted with.","Accounting services, tax returns, consulting , auditing",1,*,1,Black,280,2000,0,500,220,Incidentals,0,*,0,*,3000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3000,0,0,0,0,3000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need it. I had enough saved to start the business.",Getting clients because I was limited to black clients.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,5000,1,.,.,2,Asst. Principal-Grade School,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They're not old enough or trained in this field.",55,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,1,2,1,2,2,1,2,*,"That's the way I've been successful in my hiring practices. ",3,0,0,3,6,For a better paying job.,1,Construction contractors,2,*,1,Chicago,IL,USA,1,.,1,Self,0,15,1,Chicago,IL,USA,1,.,1,Client of mine,0,15,1,Chicago,IL,USA,1,.,1,Neighbor,0,15,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"That's how it turned out. They're my client and my neighbor and myself. We're all black because this is a black area. ",*,.,*,Supplier 1,Matteson,IL,USA,2,2,1,Moved into area-local vendor,0,4,1,0,30 days,.,30,0,"I don't know",2,.,*,.,.,.,*,Supplier 2,Matteson,IL,USA,2,2,1,Moved into area-local vendor,0,4,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,2,1,They found me,0,18,1,1000,Send bill-quarterly fee,15,0,3,15% intere,2,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Salt Lake,UT,USA,20,0,Visa,2,-4,2,1,Wilmington,DE,USA,15,0,Creditor 3,2,-4,2,1,Wilmington,DE,USA,15,0,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,Discount on supplies/referrals/seminars/library,Used all services,Association 2,Chicago,IL,USA,2,"It's questionable--networking with people in the community",None,Association 3,********************,**,********************,********************,*,*,.,1,"Cosmopolitan Chamber of Commerce at 1300 S. Michigan in Chicago, IL. They refer clients and tell people how to start up businesses.",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,No need to. I had enough experience to know what to do.,Other accountants that are friends and colleagues of mine. ,A,22,Studied for CPA exam together,1,.,South Holland,IL,USA,He started his business before I did ,"Phone, our offices",Robert,22,Former fellow co-worker,1,.,Chicago,IL,USA,Starting up my business ,Restaurants,C,14,N,1,.,Chicago,IL,USA,His real estate business and my business venture ,His office,1,3,5,********************,A,22,Friend for years,1,.,Chicago,IL,USA,Business in general,Restaurant,B,1,Business associate,1,2,Chicago,IL,USA,Business in general,Our office(s),C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,5,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,Their ability to pay,Monthly payments,0,3,0,1,2,2,2,2,1,2,2,1,1,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,"I don't want to put them thru the misery I've been thru. When I retire, they won't be old enough or interested enough. ","I'll never fully retire, just semi-retire.","I'll stay in Matteson.",125000,.,2,2,2,********************,1,.,500,2,400,2,60,2,75,2,200,2,2000,2,4000,2,100,2,175,2,0,.,100,2,175,2,0,.,0,.,0,.,0,.,0,.,200,2,0,.,*,7870,.,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,.,0,13000,0,0,7000,60,0,0,5000,30,1000,10,0,0,0,0,********************,13000,4000,4000,100,0,0,0,0,*,4000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Liability, Fire, Theft",75000,400,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,11,30,1,2,, 56,7,7,97,2,0,2,2,56,Arkansas,1,2,********************,********************,2,*,A,2,1,58,Arkansas,2,********************,********************,1,*,B,7,2,39,"Chicago, IL",2,********************,********************,1,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,15,2,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Arkansas,Arkansas,"Chicago, IL",49,1,Beverly,.,4,1,2,*,72,He was career man in the United States--my grandmother raised us because my father was always in Germany ,1,1,******************************,5,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,1,2,2,*,22,2,Chicago,IL,USA,1,R. E. agent/off. mgr,15,12,0,1,"Having the ability to communicate with people, the capacity to work with people and instill in them the knowledge that they are responsible for themselves.",Business,10,87,1,*,The 3 of us decided to go into business in Hazelcrest. We shopped around for a franchise--Century 21 was our first choice but ERA was the only one available. ,When we shopped around for a franchise we learned that this business was available. ,1,0,We were trying to move back in the city. Chatham was the preferred area with office space available. ,"Real estate sales of single family homes, commercial properties, industrial properties, property management, mortgage banking. ",1,*,2,*,2700,10000,960,1000,340,Miscellaneous,0,*,0,*,15000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,10000,5000,0,0,0,0,15000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Because the $15,000 we put up between the 3 of us, was enough to start the business.",Getting recognized and established as a reputable agency to do business with. ,2,*,1,2,Partner 1,1,Worked w/him in real estate,1,.,33,1,Partner 2,1,Worked w/her in real estate,1,.,33,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,34,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Mortgage/banker,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"We couldn't get along. I want to be the boss and so does he. ",72,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Sent me literature,0,8,1,Chicago,IL,USA,2,2,1,Met at real estate closing,0,12,1,Chicago,IL,USA,1,.,22,Took out policies on my children when they were born.,00,33,1,Chicago,IL,USA,1,.,1,Retired men looking for something to do,0,5,2,********************,**,**********,.,.,.,*,.,.,1,1,I seem to come in contact with more often because my business is located in a black area. ,*,.,*,Supplier 1,Cincinnati,OH,USA,2,.,1,Sent catalog,0,10,1,0,30 days,.,30,0,"I don't know",2,.,*,.,.,.,*,Supplier 2,Alsip.,IL,USA,2,1,1,Saw them when I drove past ,0,15,1,0,30 days,.,30,0,"I don't know",2,.,*,.,.,.,*,Supplier 3,Chicago.,IL,USA,1,.,22,Went to school with owner,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,Multi-Ethnic,"Real estate training, multiple listing system, support group for realtors .","Training advice, multiple listing",Association 2,Springfield,IL,USA.,Multi-Ethnic.,"Multiple listing, insurance errors & omissions, real estate training ",Errors & ommission of insurance,Association 3,Chicago,IL,USA,2,"Basic support for business women, exchanging ideas, trouble shooting",Exchanging ideas & trouble shooting,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,I talked to my husband who is a mortgage banker and his banking friends. I discussed it with other real estate brokers including my former boss.,A,2,N,1,.,Chicago,IL,USA,What I would need to get started --how sound an investment it was. ,At home,Marion,1,N,1,.,Chicago,IL,USA,What it would take to be a success in the business ,At her office,C,1,At Church,1,.,Chicago,IL,USA,He gave me encouragement and moral support ,At his office,1,10,6,3 times a year,A,22,Co-worker,2,5,Chicago,IL,USA,Advice about certain situations,Our office,B,22,Co-worker,1,2,Country Club Hills,IL,USA,Advice about certain situations & problems,Our office,C,22,Co-worker,1,.,*,Chicago,IL,USA,His opinion and advice about my business venture ,Our office,1,********************,95,1,4,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,1,1,Motivated independent contractors,2,2,2,2,2,1,Good people,2,*,1,"To become an independent broker & drop the franchise. Recruit more qualified agents and train them so they'll get excited about selling and not be so negative.",1,.,"Because I've worked hard to keep it going all these years so my family would have a business to inherit. I don't want to see it die when I leave. ",*,"I don't see retirement for at least 9 or 10 years ","To live in a little country town somewhere where it's quiet and peaceful and my grandchildren will come and stay with me once in awhile.",20000000,.,2,2,2,********************,1,.,0,.,950,2,165,2,610,1,180,2,0,.,0,.,0,.,0,.,0,.,300,2,750,2,4240,2,300,1,50,1,500,2,0,.,0,.,630,2,"ERA's 8% per transaction",8675,.,1,Charity 1,240,Charity 2,500,Charity 3,200,.,.,*,.,75000,0,0,750,1,0,0,0,0,0,0,0,0,74250,99,Real estate listings,75000,5950,0,0,0,0,5950,100,"ERA's 8%-Feb98.",5950,1,Bank 1,Evergreen Park,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability",500000,680,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,1,80%,600,2,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,3,55,2,2,, 57,7,30,97,3,0,2,2,37,"Chicago, IL",1,2,********************,********************,2,*,A,5,2,10,"Chicago, IL",2,********************,********************,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,Africa,Ireland,31,1,Beverly,.,7,1,2,*,50,A police officer,1,1,*,1,3,8,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,2,Chicago,IL,USA,1,Consultant,0,2,0,1,"Management, customer relations, computer skills",Business,8,95,4,*,*,*,2,0,"I didn't choose it, my mother did. She wanted a business in the Chatham area because that's where we lived at the time. She was already working for Mr. Robbins.",Insurance of all kinds. .,1,*,2,*,1000,2000,4000,0,1000,Utilities,0,*,0,*,8000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,8000,0,0,0,0,0,8000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,My mother had the money saved. She and Mr. Robbins had planned this move so he could retire.,"None that I'm aware of. My mother had become pretty well known and respected in the business. ",2,*,1,1,Partner 1,3,N,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,I do most of it. We fill in each others gaps. She has the knowledge and experience and I have the energy and put in the time at the office. I rely on her when I need advice about the best way to ap,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Vice President,50,1,A,3,President,30,1,B,21,Accounts Receivable,40,1,C,.,*,.,.,2,.,Relative,.,*,1,.,.,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,1,2,2,2,1,"They were here before me, so I couldn't tell you",We get the best results,0,0,2,16,0,To earn more money,2,*,.,*,1,Chicago,IL,USA,1,.,22,Lived in Chatham when we did,0,40,1,Chicago,IL,USA,1,.,22,Lived in Chatham when we did,0,50,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"We've known them for years. They've given good service and loyalty.",*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,The only supplier of system we need,0,12,1,1000,4 years to pay in full,12,0,48,"I don't know",2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,3,1,Went to store,0,3,1,0,"I don't know",.,.,.,"I don't know",2,.,*,.,.,.,*,Supplier 3,Morroco,IN,2,2,3,1,Recommended by business associate,0,15,1,0,90 days,0,.,.,"I don't kn",2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago.,IL,USA,3,"Continuing education about the insurance business, training on new health/dental plans. ",All of them,Association 2,Chicago,IL,USA,2,None that I know of.,.,Association 3,********************,**,********************,********************,*,*,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"People experienced in the business like my mother, Mr. Robbins and my father. ",A,3,N,1,.,Chicago,IL,USA,Long range potential and profitability,Here,Mr. Robbins,1,"My mother's employer",1,.,Chicago,IL,USA,What type of skills I need and did I have what it takes,Here,C,4,N,1,.,Chicago,IL,USA,Would I be able to work with my mother. ,Here,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,The companies we broker from ,6 months to 1year at 3% ,3,6,1,2,2,2,2,2,2,2,1,2,2,1,Non payment of premiums,2,2,2,2,2,1,Managing growth without over extending,2,*,1,"Updating our computer system, increasing advertising & hiring additional staff. ",3,3,*,*,"I'd like to own a flower shop in Bermuda. ",Bermuda,.,.,2,2,2,********************,1,.,200,2,2000,2,200,2,200,2,0,.,5500,2,4000,2,0,.,346,2,1500,1,100,2,300,2,5000,1,3000,1,1500,1,1500,1,100,2,10000,1,0,.,*,45346,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,*,.,.,0,20,0,20,0,0,0,50,0,5,0,5,0,0,********************,100,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability, medical, Business interruption ",100000,12000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,45,2,1,, 60,3,11,98,4,0,2,2,42,15,2,6,Korean,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,15,2,*,.,*************************,1,.,*,.,*,2,Korean,2,2,3,Korean,80,********************,********************,********************,18,1,Uptown,.,6,1,2,*,40,Farmer,1,1,******************************,4,4,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,3,.,.,15,2,Sales person,0,4,0,1,How to run the business,Business,.,96,1,*,I bought it,Thru an ad that it was for sale,2,0,It was here already,We clean clothes,1,*,2,*,0,0,0,0,80000,Purchase of business,0,*,0,*,80000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,40000,0,0,30000,0,0,0,0,70000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I don't want to pay the money to them, so I get it from family",1,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Doctor,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,.,*,.,.,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,3,3,0,0,2,0,0,0,0,********************,1,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,2,2,2,*,2,1,2,2,2,2,2,1,2,2,2,*,"I guess it's better",2,0,0,2,0,They have not left,2,*,.,*,1,Chicago,IL,USA,1,.,1,Friend,0,2,1,Chicago,IL,USA,1,.,1,Friend,0,2,1,Evanston,IL,USA,2,1,1,Ad,0,2,.,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,2,They were referred to me,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Husband,A,2,N,1,.,Chicago,IL,USA,What I wanted to do,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,20000,.,1,1,.,********************,.,.,200,2,0,.,300,2,100,2,100,2,3000,2,0,.,0,.,0,.,92,2,20,2,140,2,140,2,0,.,17,2,100,2,0,.,0,.,0,.,*,4209,2,2,Charity 1,.,Charity 2,.,Charity 3,.,20000,.,Put it back into the business,.,100000,0,0,20000,20,80000,80,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",90000,1000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,45,2,2,, 65,9,30,97,3,15,2,2,53,"Peoria, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,20,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Illinois,Illinois,.,34,1,Chatham/Avalon,44,29,1,2,*,45,Journeyman electrician who worked for wages and then had his own business. ,1,1,*,1,1,11,Invest Mutual Funds,4,.,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,1,Chicago,IL,USA,1,Paralegal,4,8,6,2,*,Business,9,79,2,*,*,*,2,0,Close to home. I live on the next block.,Financial planning and budgeting ,1,*,2,*,774,0,0,0,200,Supplies,0,*,0,*,974,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,974,0,0,0,0,974,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had enough in my savings account to cover it. ,"None, really. I had a good client base from my contacts when I worked for the bankruptcy attorney.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They never showed any interest in this business.,45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,1,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Business associates,One is my neighbor and a former bank employee. And the other one is a friend who I met through my former job. ,7,0,0,6,0,They go on to a better paying job. ,2,*,.,*,1,Chicago,IL,USA,2,3,1,A client referral,0,3,1,Chicago,IL,USA,1,.,1,Business associate,0,17,1,Skokie,IL,USA,2,1,22,Allstate referral,0,24,1,Homewood,IL,USA,2,3,1,Longtime association,0,8,2,********************,**,**********,.,.,.,*,.,.,3,2,"I look for people who have the skills and know how I need. I don't care about their ethnic background. ",*,.,*,Supplier 1,Chicago,IL,USA,.,.,.,.,0,17,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,**,.,.,Creditor 3,.,-4,.,.,********************,**,**,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Ft. Worth,TX,USA,3,"Insurance info, business planning, hotel discount, car rental discounts, air fare discounts, etc. ",All of them,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,I discussed it with no one. I knew what was needed and was confident I could provide it.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,65,10,5,2,3,.,2,5,2,5,.,1,0,0,0,********************,4,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Cash flow,1,"I don't want to go into debt.",1,Send out flyers and do more media advertising,4,.,*,*,*,*,.,.,2,2,2,********************,1,.,.,.,9500,1,1200,1,440,1,0,.,12000,1,.,.,0,.,0,.,0,.,1200,1,1850,1,1500,1,5000,1,1500,1,4000,1,0,.,12000,1,3230,1,"Car phone, postage",53420,1,1,Charity 1,2500,Charity 2,.,Charity 3,.,.,.,*,.,.,0,0,.,70,0,0,.,20,.,10,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,1,1,Business Insurance Package ,100000,440,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,30,2,2,, 66,8,12,97,2,0,2,2,75,"Birmingham, AL",1,2,********************,********************,2,*,A,2,1,62,"Birmingham, AL",2,********************,********************,3,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,0,*,********************,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,USA,USA,.,62,1,Avalon,.,3,1,2,*,20,Working for wages as a nightwatchman ,1,1,******************************,1,4,9,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,6,47,3,*,*,*,.,.,*,*,.,*,.,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,*,.,*,1,1,Partner 1,3,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They aren't interested in this kind of work.",20,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,1,1,"My first husband's co-worker",0,50,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,.,.,*,Supplier 1,Chicago,IL,USA,2,1,1,At the store,0,10,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,At the store,0,30,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,At the store,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I think they are a waste of time. Maybe if I was just starting up I would but I'm getting ready to slow down some.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Just my mother.,A,3,Mother,1,.,Chicago,IL,USA,The good things and bad things about the business ,Here.,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Contentment,2,*,1,"All new beauty equipment, a massage parlor manicuring nails and providing facials for all races plus body wraps.",4,.,*,*,*,*,.,.,1,1,.,********************,.,.,200,2,0,.,200,2,0,.,0,.,0,.,800,2,0,.,0,.,150,2,0,.,200,2,200,2,0,.,0,.,100,2,0,.,0,.,0,.,*,1850,.,1,Charity 1,1500,Charity 2,50,Charity 3,300,.,.,*,.,.,0,0,0,20,0,80,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,2,2,2,2,2,2,1,2,2,*,1,1,"Fire, Theft, Liability",150000,600,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,3,10,2,1,, 68,1,31,98,-3,-3,-3,2,43,"Gary, IN",1,2,********************,********************,2,*,A,2,1,46,"Chicago, IL",2,********************,********************,1,*,B,5,2,7,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,1,*,3,*************************,1,.,*,.,*,1,*,.,.,1,*,.,3,.,********************,27,1,Bronzeville,.,7,1,2,*,60,Lutheran minister/professor at Lutheran School of Theology.,1,1,******************************,1,2,8,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Accounting mgr.,4,6,0,1,Public relations,Business,10,86,2,*,*,*,2,0,Great deal on the rent.,Promotions--event planning,1,*,2,*,0,2000,0,0,0,*,0,*,0,*,2000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,2000,0,0,0,0,2000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not need it at that time--clients pay 50% up front.,Creditability--I went after the corporate market.,1,"Financial strain, getting packages together--Printing, gas, parking, and taking clients to lunch (did not use my pay check)",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Accounting mgr.,.,2,Consultant,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"Selling, accounting, etc.",60,1,A,5,Administrator,2,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,2,1,2,2,2,2,2,2,2,*,I like working with students--they are trainable.,0,3,0,.,.,None left,2,*,.,*,1,Chicago,IL,USA,2,1,1,"Woman's Develpmnt Cntr",0,2,1,Chicago,IL,USA,1,.,22,N,0,2,1,Olympia Fields,IL,USA,1,.,22,N,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,I just do it to help them out and help them get the experience.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Business associate,0,5,1,0,30 net,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,Lincolnwood,IL,USA,2,1,1,Business associate,0,5,1,0,Net 15,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,.,.,USA,2,0,American Express,2,-4,2,1,.,.,USA,1,0,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Public relations-media related,Public relations,Association 2,.,MN,USA,1,Discount on business services,"Printing, car rental, travel",Association 3,Chicago,IL,USA,2,Community services,Networking,.,1,Chgo Chamber of Commerce,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Too pushy trying to get me to become a member--did not like sales people. ,Corporations,A,1,Former boss,1,.,Winnetka,IL,USA,What I wanted to do and how to get in the door.,Her home,RP,3,N,1,.,Chicago,IL,USA,Finances,Her home,C,.,*,.,.,********************,**,********************,*,********************,1,4,4,********************,A,1,Worked together,1,.,Calumet City,IL,USA,Day to day operations,Each others offices,B,7,N,1,.,Las Vegas,IL,USA,Day to day operations,Telephone,C,.,*,.,.,7,********************,**,********************,*,*,5,Corporations,20,80,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,1,2,2,2,2,1,2,2,2,2,2,*,2,2,2,2,2,1,Breaking in,1,"I don't want to take out a loan--I'm still the new kid on the block.",1,"Pursuing bigger clients--i.e., Sears, Amoco, Sara Lee",1,.,To keep it in the family and I feel there is a need for this type of service,*,"I don't see me retiring--I like what I do.",Chicago,10000,.,2,2,2,********************,1,.,30,2,400,2,30,2,125,1,60,2,1200,2,15000,1,400,1,0,.,0,.,200,1,250,2,25,2,300,2,0,.,0,.,0,.,500,1,0,.,*,.,2,1,Charity 1,36,Charity 2,500,Charity 3,200,40000,.,Re-invest in business,.,50000,10000,10,3000,10,0,0,19000,50,.,30,0,0,0,0,********************,.,10000,.,80,.,20,0,0,.,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,1,2,2,2,*,1,1,"Equipment, fire, theft",25000,175,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,2,, 69,10,4,97,-3,-3,-3,2,35,Chicago,1,2,********************,********************,2,*,A,2,1,35,Chicago,2,********************,********************,2,*,B,5,2,6,Chicago,2,********************,********************,3,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,1,*************************,2,1,*,6,*,1,*,.,.,1,*,.,USA,USA,USA,97,.,Brownsville,.,11,1,2,*,65,Bus Driver,1,1,******************************,3,1,2,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,2,Chicago,IL,USA,1,Office Manager.,0,4,0,1,Got My License Learned all I could.,Business,2,97,1,*,.,.,2,0,Based on visual across from bank. Protection safer enviornment for clients,All types Insurance,1,*,2,*,1800,8200,0,0,0,*,0,*,0,*,10000,1,0,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,5000,2000,0,0,3000,10000,.,.,*,.,*,Lender 1,Unemployed they would loan,Madison,WI,USA,.,.,2,.,.,.,1,1,6,2,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Not having the money to run the business,1,uncle Sam wants his money,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,1,N,.,2,Federal Express,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,All,65,2,A,3,Answer phone,15,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,District manager,they do alll the screening.,0,1,0,0,9,.,2,*,.,*,1,Chicago,IL,USA,2,1,1,N,3,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Burbank,IL,USA,2,.,1,In the area,7,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Madison,WI,USA,2,.,1,Broker for company,7,0,1,.,.,0,0,0,.,1,3000,.,0,0,18,.,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Have not been in contact with the right people,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Office manager for State Farm insurance,A,1,Office Manager for State Farm,2,1,Chicago,IL,USA,Finacial part of business,Her Office,Myrtis Hourse,1,Friend,1,.,.,.,.,Financial part of business,Phone,C,.,*,.,.,********************,**,********************,*,********************,1,.,.,********************,A,1,.,1,.,Chicago,IL,USA,Money,Here,B,1,***********,1,.,Chicago,IL,USA,Finance.,Phone,C,22,N,1,.,22,Chicago,IL,USA,.,Work Phone,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,1,2,1,2,2,2,2,2,2,*,2,1,2,1,1,2,*,2,*,1,Get into civic church groups be bilingual,3,3,*,*,D,No idea,.,.,1,2,2,********************,1,.,0,.,600,2,80,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,250,2,600,2,0,.,75,1,0,.,0,.,0,.,370,2,leased Car,370,2,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,N,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,15000,0,0,15000,100,0,0,N,15000,1,Bank 1,Evergreen Park,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Liability, Fire theft",900000,18,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,1,3000,18,2,1,Malpractice,2000000,76,2,1,1,********************,.,.,.,2,2,, 75,6,9,98,2,35,2,1,39,Pakastine,2,3,********************,Pakastanian,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,Pakastine,5,*,.,*************************,1,.,*,.,*,2,Pakastine,1,2,3,Pakastine,80,********************,********************,********************,18,1,Richton Park,.,3,1,2,*,50,"He's a farmer",1,1,******************************,4,3,9,********************,4,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,94,2,*,*,*,2,0,I thought the area is very busy so it would be a good place for a restuarant,"It's a fast food restaurant",1,*,2,*,600,1000,0,800,0,*,0,*,0,*,2400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,2400,0,0,0,0,2400,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,.,Gangs,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,50,.,A,8,Manager,50,1,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,2,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,1,.,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,2,2,2,1,Friends,Trust,5,0,0,3,.,Go away to another job,2,*,.,*,1,.,.,.,1,.,1,N,.,4,1,.,.,.,1,.,1,N,.,4,1,Chicago,IL,USA,2,2,1,N,N,3,.,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,1,We understand each other,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Through Midway Wholesale,.,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No--none,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,2,3,********************,A,22,N,1,.,Chicago,IL,USA,The business,Here or his place,B,1,***********,1,.,Chicago,IL,USA,The business,On the phone,C,.,*,.,.,22,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,20000,10000,1,2,2,********************,2,2,6000,2,1200,2,500,2,128,2,60,2,800,2,0,.,0,.,0,.,0,.,20,2,80,2,200,2,150,2,14,2,200,2,0,.,0,.,0,.,*,9353,2,1,Charity 1,700,Charity 2,300,Charity 3,.,20000,.,.,10000,100000,30000,30,70000,70,0,0,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,Fire liability theft,100000,128,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,3,15,2,2,, 82,12,13,97,12,0,2,1,.,MS,1,2,********************,********************,2,*,A,2,2,68,MS,2,********************,********************,7,*,B,6,1,34,IL,2,********************,********************,6,*,C,5,2,46,IL,2,********************,********************,6,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,6,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,51,1,Westside Area,.,40,1,2,*,16,He was a sharecropper on a farm.,1,1,******************************,1,2,4,********************,2,1,1,1,Prior Business 1,Motel-lodging,Chicago,IL,USA,3,*,Prior Business 2,Motel/Lounge,Chicago,IL,USA,3,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,78,1,*,The previous owner was about to lose the business.,I knew the owner,2,0,It was already here,"It's a hotel/motel room rentals and transients",1,*,2,*,0,0,3000,0,150000,.,0,*,0,*,15300,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,150000,0,0,0,3000,153000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't have to, the bank already owned the building.",Prostitution,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't know",16,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,3,0,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,2,2,2,2,*,Employees know their friends and they already know the work habits--what to do.,4,0,0,13,.,Moved out of the city,2,*,.,*,1,Chicago,IL,USA,1,.,1,Former accountant,.,8,1,Chicago,IL,USA,1,.,1,Former attorney,.,15,1,Tinley Park,IL,USA,1,.,1,Through another agent,N,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"I feel that's the right thing to do and they need the business.",*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Previous owner,.,22,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,"Information on political involvement in the community, etc.",All,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,1,Real Estate broker,1,.,Chicago,IL,USA,Real Estate,His office,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,3,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Criminal activities,2,2,2,2,2,1,Cost of expanding,2,*,2,*,1,.,"That's a way of life if you have a business leave it to the family.",*,Vacation and travel,Chicago,157000,.,1,1,.,********************,.,.,2000,2,0,.,4000,.,292,2,40,2,3000,2,0,.,0,.,0,.,333,2,13,2,60,2,0,.,300,2,25,2,400,2,0,.,0,.,0,.,*,10462,2,1,Charity 1,500,Charity 2,500,Charity 3,0,.,.,*,.,400000,0,0,0,0,400000,100,0,0,0,0,0,0,0,0,********************,400000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago,IL,USA,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,2,1,2,2,2,1,1,2,2,*,1,1,"Fire, theft, liability",900000,3500,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,1,20,2,2,, 83,5,11,98,10,30,1,1,56,Arkansas,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,12,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,32,1,Park Manor,.,29,1,2,*,48,Farmer,1,1,******************************,1,3,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Nursing/social work,0,28,.,2,*,Business,3,90,3,*,*,*,.,.,*,*,.,*,.,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,*,.,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager/owner,48,2,A,13,.,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Was there with my uncle,N,8,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Alsip,IL,USA,2,1,1,Already with my uncle,.,11,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Already with my uncle,.,11,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,"Economical, strait talk/roundtable",All,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,1,.,To keep it in the family,*,Moving to Arizona,Arizona,.,.,2,1,.,********************,.,.,1000,2,0,.,500,2,600,2,1000,2,0,.,600,2,0,.,0,.,167,2,400,2,350,2,0,.,183,2,15,2,0,.,0,.,0,.,0,.,*,4815,2,1,Charity 1,1000,Charity 2,800,Charity 3,500,.,.,Put it back into the business,.,.,.,50,.,50,0,0,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",100000,500,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,11,25,1,2,, 93,6,9,98,6,30,2,2,52,Mississippi,1,2,********************,********************,2,*,A,2,1,54,Mississippi,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,17,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,25,1,Auburn Park,.,15,1,1,I work for the Alderman Office,50,Share cropper,1,1,******************************,1,4,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Executive Director,0,4,0,2,*,Business,2,92,1,*,I found out it was for sale,Through my sister,2,0,It was already there--I just pruchased the business,We clean clothes and do alterations,1,*,2,*,480,8000,0,500,25000,Purchase of business,0,*,0,*,42080,1,50000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,50000,.,.,*,.,*,Lender 1,I needed the money,Chicago,IL,USA,1,.,2,.,.,.,2,.,.,.,********************,.,50000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Getting things to work--things started to breakdown after purchase,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have other jobs,25,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,1,2,1,2,2,2,2,2,2,*,"It's easy",0,1,0,5,0,.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Office across from mine,0,17,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Friend,0,17,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Because they are neighborhood based--readily available,*,.,*,Supplier 1,.,IN,USA,2,1,1,.,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,.,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"No, not really",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My sister,A,7,*,1,.,Chicago,IL,USA,Buying the business,My home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,1,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,"It's the first in the family and it would be something to put on the family resume",*,To be a community activist,I will stay in the community,83000,83000,1,2,2,********************,2,1,1600,2,525,2,1050,2,167,2,150,2,3200,2,1167,2,0,.,0,.,0,.,0,.,130,2,0,.,100,2,25,2,500,2,0,.,0,.,0,.,*,8614,2,1,Charity 1,100,Charity 2,300,Charity 3,.,999999,.,*,.,150000,25000,17,90000,62,0,0,0,0,0,0,0,0,30000,21,Unpaid receipts,145000,9600,0,0,0,0,9600,100,.,9600,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",25000,2000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,7,25,2,2,, 95,9,10,97,9,48,1,1,42,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,39,"Jackson, TN",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,18,1,*,USA,1,*,1,*************************,2,8,None,.,*,1,*,.,.,1,*,.,Africa,.,********************,97,.,Glenwood,.,9,1,2,*,90,Longshoreman--gathered & unload ships ,1,1,*,4,2,3,********************,5,1,1,1,Prior Business 1,Dump truck,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,1,2,2,*,22,1,Broadview,IL,USA,2,Driver,0,9,0,2,*,Business,12,94,2,*,*,*,2,1,"It's an ongoing business site that had established traffic already","Donuts, popcorn & ice cream",1,*,2,*,1000,40000,5000,3000,120000,Debt,0,*,0,*,169000,1,0,0,0,0,*,0,0,144000,0,0,********************,0,1,0,0,0,0,25000,0,0,0,0,169000,.,.,*,.,*,Lender 1,It was offered.,Chicago,IL,USA,1,.,2,.,0,Because of working capital he believed in,1,5,0,1,"Equity & $25,000",.,144000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Time away from my spouse,2,*,1,2,Partner 1,22,N,1,.,.,2,Partner 2,2,*,1,.,50,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,There was a program they offered,Chicago,IL,USA,2,1,1,Working capital resources ,10000,1,*,2,*,2,.,.,1,$100,100,2,.,Lender for Operation,Where I set cites for a business,Lansing,IL,USA,2,1,1,Mortgage,82000,2,"After 95 days of holding the loan application-they said my #'s way to low",.,*,2,.,.,2,********************,.,2,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Nabisco trucking,.,2,Banker,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,My wife works on a regular job ,90,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,17,6,11,0,17,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,1,1,2,2,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,1,2,2,2,*,When a co-worker recommended someone else they know what is required ,0,2,0,0,9,They are students,2,*,.,*,1,Chicago,IL,USA,1,.,1,Business associate,0,3,1,Chicago,IL,USA,1,.,1,Wife found him,0,2,1,Orland Park,IL,USA,2,1,1,Word of mouth,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,"I don't single out any ethnic group ",*,.,*,Supplier 1,Wheeling,IL,USA,2,1,1,Found thru my baker,0,3,1,0,1 to 10 net,0,0,0,1 1/2 % ,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Found thru my baker,0,3,1,0,1 to 10 net,0,0,0,1 1/2% ,2,.,*,.,.,.,*,Supplier 3,Chicago Heights,IL,USA,2,1,1,Found thru my baker,0,3,1,1500,1 to 10 net,0,0,0,1 1/2%,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,1,Chambers of Commerce,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,I have not had anytime to make meetings or to join,Other bakers,A,1,Newspaper ad,1,.,Chicago,IL,USA,Baking busines,On interview at stor,Richard,1,From another donut shop,1,.,Dixmoor,IL,USA,Baking donuts,Restaurant,C,1,N,1,.,Chicago,IL,USA,Finances,At his restaurant,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,3,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,1,2,1,2,2,1,2,2,*,2,2,2,1,2,2,*,1,Based on what the lending institution criteria for loaning money for new start up and new existing business,1,Extend the menu and maybe open another location,1,.,I would like to see something I started from nothing continue to develope into a long standing business in the community,*,The donut shop is profitable--I hope to take my salary and live off my investment,"Chicago, IL",150000,.,2,2,2,********************,1,.,7500,2,200,2,1200,2,1900,2,200,2,3800,2,0,.,80,2,0,.,0,.,50,2,300,2,150,2,450,2,150,2,300,2,1900,2,250,2,0,.,*,18430,.,1,Charity 1,2500,Charity 2,900,Charity 3,0,.,.,*,.,70000,4500,.,61000,.,0,0,500,.,4000,.,0,0,0,0,********************,70000,61000,4500,.,11000,.,0,0,.,15500,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,"Donuts sales are down when it's warm outside",Cut back on the help and anticipate ice cream sales,2,2,2,2,2,1,1,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Have not had one good enough to say ,1,1,"Fire, theft, liability & medical",50000,5900,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,30,2,2,, 98,6,29,98,11,5,1,1,55,Arkansas,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,15,2,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,30,1,Country Club Hills,.,20,1,2,*,70,"Don't know",.,.,******************************,2,2,9,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,Chicago,IL,USA,1,Meat Packer Manager,0,10,0,2,*,Business,.,91,2,*,*,*,2,0,Worked for previous owners years ago--he was selling so I bought,Custom cut meats,1,*,2,*,11000,8000,0,6000,0,*,0,*,0,*,25000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,25000,0,0,0,0,25000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Had the capital,None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,.,.,A,6,Stock clerk,15,1,B,13,Cashier,40,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,1,1,Ad,0,5,1,Chicago,IL,USA,1,.,1,Ad,0,10,1,.,.,.,1,.,1,Ad,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Cheaper and advertise to Blacks,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Shopped there before,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Reputation,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Don't know any",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Competition,2,2,1,2,2,2,*,2,*,1,Hire more non-family employees/add more produce,4,.,*,*,*,*,50000,.,2,1,.,********************,.,.,2000,2,0,.,200,2,80,2,500,2,10000,2,0,.,0,.,0,.,14,2,0,.,13,2,42,2,10,2,13,2,33,2,0,.,0,.,0,.,*,12904,2,2,Charity 1,.,Charity 2,.,Charity 3,.,40000,.,Put back in business,70000,150000,5000,5,50000,30,60000,40,35000,25,0,0,0,0,0,0,********************,150000,5000,0,0,0,0,5000,100,Utilities,5000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",90000,250,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,0,2,3,, 105,1,21,98,4,2,2,2,63,"Tampa, FL",1,2,********************,********************,2,*,A,2,1,74,Mississippi,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,3,*,USA,1,*,1,*************************,2,1,*,8,Unity,1,*,.,.,1,*,.,Florida,.,********************,46,1,Chatham,.,46,1,2,*,80,"I don't know about my father.",.,.,******************************,4,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Accounting,0,7,0,1,Being versatile to work with people,Business,6,89,2,*,*,*,2,0,It was only five minutes from my home.,"Cookies, muffins, cake, pies, soft drinks, yogurt, coffee, soups, hot dogs, ice cream, home made candies and turtle fudge apples.",1,*,2,*,900,20000,2000,1000,0,*,0,*,0,*,23900,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,23900,0,0,0,0,23900,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because I thought I was too old.,Figuring a way to get people in here.,1,I had to buy cabinets.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Accountant,.,2,Mgr. food store,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Baking cookies,80,2,A,11,Cashier,6,2,B,15,Make cookie trays,6,2,C,.,*,.,.,2,.,Relative,.,*,1,3,3,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,My husband has used him.,0,8,1,Chicago,IL,USA,2,1,1,Through church,0,8,1,Chicago,IL,USA,2,1,1,Have car insurance with them,0,8,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,Those where the ones I knew of.,2,*,Supplier 1,Carol Stream,IL,USA,1,.,1,Thru a friend,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Glendale Heights,IL,USA,2,1,1,A sales person came here.,0,5,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Looked around,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,They have program called ""MIX"",MIX,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Business people,A,1,Chairperson,1,.,Chicago,IL,USA,What it takes to start a business.,11901 S. Ashland,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,xx,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,0,0,0,2,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,2,2,2,2,2,1,1,2,*,2,2,2,2,2,1,Location,.,*,2,*,1,.,"Because I'd like the name of it to carry on.",*,Being to increase so I can take out Social Security.,Chicago,40000,30000,2,2,2,********************,1,.,200,2,300,2,285,2,67,2,0,.,0,.,0,.,0,.,0,.,0,.,10,2,55,2,50,2,25,2,25,2,25,2,0,.,0,.,0,.,*,1042,2,1,Charity 1,75,Charity 2,.,Charity 3,.,3000,.,Re-invest in business,37000,20000,5000,.,30000,.,0,0,0,0,2000,.,0,0,0,0,********************,37000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,"People do not come in as often when it's hot and they are getting ready to get their children back to school.","I don't have to buy much and I use what I have due.",2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,2,2,1,2,*,1,1,"Fire, theft, liability, medical",176000,784,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,6,30,2,2,, 112,8,26,97,1,43,2,1,64,"Manila, AR",1,2,********************,********************,2,*,A,2,2,57,"Marengo, AL",2,********************,********************,2,*,B,5,2,24,"Chicago, IL",2,********************,********************,2,*,C,6,1,18,"Chicago, IL",2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,48,1,Glenwood,.,21,1,1,"Stocks, bonds, real estate",70,"Mechanic (automobiles, tractors) also a farmer (sharecropper). In Chicago he was a mechanic for Checker Cab Company.",1,1,******************************,1,3,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,1,Chicago,IL,USA,1,Shipping clerk,0,2,0,1,In directly I was able to contact people then and up to this day to further my business,Business,10,76,1,*,Bought out four partners ,As a partner,2,2,We looked at the demographics of the community & saw that there was a need for this store,Clothing care services for your complete wardrobe,1,*,2,*,1250,1750,0,0,0,*,0,*,0,*,3000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3000,0,0,0,0,3000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because there was no one to ask and I had no collatral ,Finances,1,No one would let me have any money,1,4,Partner 1,1,Owner of school,1,.,25,1,Partner 2,22,N,1,.,25,1,Partner 3,1,From school,1,.,25,1,Partner 4,1,From school,1,.,25,1,25,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,"I'm on the board of directors and it's where I got my first loan",Chicago,IL,USA,1,.,1,New building and equipment,800000,1,*,9,*,1,20,0,1,Mortgage property,2000000,2,.,Lender for Operation,The city offered low interest rate plus good terms,Chicago.,IL,USA,2,1,1,For equipment,240000,1,*,8,*,1,10,0,1,Mortgage property,60000,2,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Administrator/President ,70,1,A,2,Admin/Vice President,45,1,B,5,Admin/Asst. Secy ,45,1,C,8,Manager ,60,1,2,.,Relative,.,*,2,.,.,********************,1,20,19,1,0,20,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,1,2,2,2,2,*,We find we get much more coverage of skills we are looking for and from ads ,0,3,0,6,0,Change careers,1,Dry cleaners,1,In training,1,Chicago,IL,USA,1,.,1,Word of mouth.,0,7,1,Chicago,IL,USA,2,1,1,I worked w/him,0,8,1,Park Ridge,IL,USA,2,1,1,Met thru Assn belong to,0,10,1,Chicago,IL,USA,1,.,1,Word of mouth,0,4,1,Dalton,IL,USA,2,1,1,Yellow pages,0,20,1,1,"Because I'm affiliated with them",*,.,*,Supplier 1,Hammond,IN,USA,2,1,1,Assoc. Master Custom,0,30,1,12000,Net 30,0,0,0,They will call me,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Assoc. Master Custom,0,35,1,1000,Net 30,0,0,0,"Don't know.",2,.,*,.,.,.,*,Supplier 3,Oak Brook,IL,USA,2,1,1,Assoc. Master Custom,0,40,1,0,Net 30,0,0,0,They will,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,1,.,Chicago,IL,USA,30,0,Independence Bank,2,-4,1,.,Chicago,IL,USA,10,0,Creditor 3,2,-4,2,1,New York City,NY,USA,2,0,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Joliet,IL,USA,1,AF is the umbrella for the whole world and they are part of it all ,All,Association 2,Chicago,IL,USA,2,Rep. all the business in the communities,All,Association 3,Chicago,IL,USA,2,"Commerical, division of contracts for small businesses",All,.,1,"Cosmopolitian of Commerce, Urban League, NAACP",1,Service 1,Chicago,IL,USA,Basic training,1,Service 2,Chicago,IL,USA,Find employee/contra,1,Service 3,Chicago,IL,USA,Employees/contracts,1,*,Teachers/students,A,1,Teacher -In class,1,.,.,.,.,Advantage of an entrepreneur,In school classroom.,Richard.,22,Grew up together,1,.,Chicago,IL,USA,Advantages of an entrepreneur,In school.,C,22,In class,1,.,Chicago,IL,USA,Advantages of an entrepreneur,In school,1,200,3,********************,A,1,Board member,1,.,Chicago,IL,USA,Different business opportunities in black community ,Seaway Bank,B,1,Pres. of Seaway Bank,1,2,Chicago,IL,USA,Different business opportunities for blacks in the community ,Seaway Bank,C,1,Board member,1,.,.,Chicago,IL,USA,Different business opportunities for blacks in the community ,Seaway Bank,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,Expand into other locations ,1,.,Because I have children and I want them to follow in my footsteps,*,"I'm going to work until I die",Florida,1000000,900000,2,1,.,********************,.,.,150000,2,0,.,50000,2,25000,2,10000,2,400000,2,100000,2,30000,2,0,.,50000,2,5000,2,3000,2,6000,2,4000,2,1500,2,10000,2,30000,2,500000,2,0,.,*,500000,.,1,Charity 1,10000,Charity 2,3000,Charity 3,200,.,.,*,.,1000000,15000,.,500000,.,400000,.,0,0,350000,0,0,0,0,0,********************,999999,999999,0,0,0,0,999999,.,Net payables.,999999,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago.,IL,USA.,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability, Business interruption",3000000,25000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,1, -2,600,2,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,3,45,2,2,, 113,1,24,98,2,34,2,1,41,Ghana,2,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,16,3,*,USA,1,*,2,*************************,2,8,Santeria,.,*,2,Fanti,1,.,3,Fanti,81,********************,********************,********************,12,1,Chatham,.,2,1,1,Performing Arts,50,"Police, superindent mgr. administration.",1,1,******************************,5,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Security specialist,0,2,0,2,*,Business,11,91,2,*,*,*,2,0,Was looking for something in high traffic area.,"Had to find music, international and now radio jazz.",1,*,2,*,700,3000,0,5000,0,*,0,*,0,*,15000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,15000,0,0,0,0,15000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,"That's where I bank.",1,2,1,Chicago,IL,USA,10000,Was not credit worthy,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Getting the public to know where I was.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"No family, just me.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,1,1,4,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,2,1,Yellow pages,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Niles,IL,USA,2,1,1,Business directory,0,4,1,0,Good payment history/open,0,30,0,You may lose your discount,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Recommended,0,5,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Yellow pages,0,5,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,1,Because they are efficient and have 100% fill rate.,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,They provide advise and counseling for small business.,None,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Small Business Assoication,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,I did not need the services.,Business owners,A,1,Walked into his store,1,.,Hammond,IN,USA,How he got started and what it took to open a new store.,In his store,D,1,Walked into his store,1,.,Chicago,IL,USA,How he got started and what it took to open a new store.,In his store,C,1,Walked into his store,1,.,Chicago,IL,USA,How he got started and what it took to open a new store.,In his store,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,10,5,0,0,********************,0,0,0,0,********************,0,0,5,0,********************,5,2,*,*,.,.,.,1,2,1,2,2,2,1,1,2,2,1,Funds to advertise,2,2,2,2,2,1,Lack of musical knowledge by consumer,1,"Most of your profit flows back to business and to expand you have to get a loan and that's not easy to come by.",1,"A new location, more inventory, effective advertising and inexpensive carpetry.",1,.,Because I think they will have the same idea and follow direction of business plan.,*,"I don't think I will retire, I enjoy what I'm doing .",Somewhere in the U.S. --Chicago.,80000,60000,1,2,2,********************,1,.,2000,2,900,2,30,2,150,2,200,2,0,.,2400,2,0,.,0,.,0,.,10,2,40,2,1000,2,0,.,10,2,0,.,0,.,0,.,0,.,*,5840,2,2,Charity 1,.,Charity 2,.,Charity 3,.,10000,.,Re-invested in business.,3000,100000,90000,90,10000,10,0,0,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,2,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability, Business interruption",3000000,800,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,1, 50000,500,1,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,3,55,2,2,, 117,8,28,97,2,25,2,2,45,"Chicago, IL",1,2,********************,********************,2,*,A,6,1,22,"Chicago, IL",2,********************,********************,2,*,B,2,1,44,"Chicago, IL",2,********************,********************,1,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Alabama,.,********************,97,.,Englewood,.,25,1,2,*,60,Construction worker-he poured concrete & did some bricklaying,1,1,******************************,3,2,1,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago,IL,USA,1,Buyer,12,6,0,1,"Buying, how to negotitate, productivity, evaluations",Business,8,96,2,*,*,*,2,0,"Process of elimination-this one too small, this one to large and this one just right","Low cost clothing, household items and furniture",1,*,2,*,4600,600,0,600,600,Licenses,0,*,0,*,6400,1,0,4000,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,1400,0,0,0,0,6400,.,.,*,.,*,Lender 1,.,Chicago,IL,USA,2,1,1,3,5,*,2,.,.,2,********************,.,6000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,My family ties. My husband did not like me working long hours.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,1,.,*,1,New Partner 1,6,*,1,.,20,1,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,80,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,2,.,2,Nurse,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"Coordinator, buying/selling, etc.",60,1,A,6,"Cashier, delivery/pick-up",45,1,B,3,Iron and sort clothing,8,2,C,2,Maintenance/delivery,8,2,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,4000 W. Irving Pk,IL,USA,2,1,1,From a friend,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,.,.,*,Supplier 1,New Jersey,NJ,USA,2,1,1,Sent me a catalog,0,1,1,0,30 net,20,.,.,"Don't know",2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,.,IN,USA,2,They put you in contact with other owners and send newsletters ,All,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Associates, relatives and friends",A,1,Met at an auction,1,.,Chicago,IL,USA,Securing mdse for the store,At his store,Karen,22,A long friend,1,.,Chicago,IL,USA,The requirements for business in ILL,My home,C,8,N,1,.,Chicago,IL,USA,The law aspect to business,His home,1,5,4,********************,A,1,Met at an auction,1,.,Chicago,IL,USA,Prices,Auction,B,1,***********,1,.,Chicago,IL,USA,Employees,Auction,C,1,Met at an auction,1,.,Met at an auction,Chicago,IL,USA,Acquiring merchandise,Auction,1,********************,70,10,10,0,10,Hispanic,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,1,1,2,2,2,2,2,*,2,2,2,2,1,2,*,2,*,1,I want to purchase a building with an apartment,1,.,Because he is a partner,*,"I don't know--I had not thought about it.",Africa (Ghana),.,.,1,2,2,********************,2,.,500,2,2300,2,250,2,150,2,80,2,0,.,1600,2,0,.,0,.,0,.,20,2,25,2,0,.,0,.,17,2,17,2,0,.,0,.,0,.,*,4959,2,1,Charity 1,500,Charity 2,.,Charity 3,.,.,.,.,.,20000,10000,50,5000,25,0,0,0,0,5000,25,0,0,0,0,********************,20000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago.,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability, plate glass",25000,1500,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,2,2,2,, 123,11,4,97,7,0,2,2,31,ILL,1,2,********************,********************,2,*,A,5,2,2,ILL,2,********************,********************,9,Child,B,6,1,11,ILL,2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,14,2,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Germany,Spain,.,31,1,Pullman,.,31,1,2,*,60,He was a drug counselor and he worked for the Chicago board of health.,1,1,******************************,1,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Manager,3,10,0,1,"How to operate my own video store, order movies, and to know what customers like.",Business,9,97,2,*,*,*,2,0,It was a video store on the corner that went out of business. So I figured this was a good place.,We rent videos and sale movies.,1,*,2,*,3000,25000,0,0,0,*,0,*,0,*,28000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,5000,20000,0,3000,0,0,0,0,0,28000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because I did not need to,Remodeling the place,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"Because I can't afford it. I just started.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,He found me,2,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,They called me.,4,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Niles,IL,USA,2,1,1,They came to me.,2,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Because I just started my business.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My old boss and my mother,A,1,Use to work for him,1,.,Chicago,IL,USA,Operating my business.,Kentucy Fried,G,3,N,1,.,Chicago,IL,USA,Getting into business and helping me out,At her house,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,.,.,1,2,2,********************,1,.,575,2,1000,2,250,2,0,.,0,.,25,2,0,.,0,.,0,.,0,.,25,2,273,2,0,.,0,.,125,1,0,.,0,.,0,.,0,.,*,2273,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,30000,19000,98,1500,2,0,0,0,0,0,0,0,0,0,0,********************,30000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,8,30,2,3,, 130,8,27,97,2,0,2,1,52,Korea,2,3,********************,Korean,2,*,A,2,2,52,Korea,3,********************,Korean,1,*,B,5,2,27,Korea,3,********************,Korean,1,*,C,6,1,25,Korea,3,********************,Korean,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,15,2,*,.,*************************,1,.,*,.,*,2,Korean,1,2,3,Korean,87,********************,********************,********************,10,1,Highland Park,.,1,1,2,*,60,My father was an appointed mayor in a small city in Korea.,1,1,******************************,4,3,1,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,2,3,Chicago,IL,USA,1,Salesperson,0,1,6,1,Management and purchasing products,Business,3,88,1,*,I paid the owner for the merchandise in the store and I paid rent to the same person the previous owner paid rent to.,The owner was an acquaintance--he told me he was leaving and it started there.,2,0,"It was already here and in a good place, too.",My business sell clothes and jewelry to women large and small.,1,*,2,*,600,5000,5000,15000,100,Lights,0,*,0,*,25700,1,0,0,0,0,*,5000,0,5000,0,0,********************,0,2,0,0,0,0,17000,0,0,0,0,27000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not need it at the time. I just borrowed from my wife and friend and used my own.,To get good merchandise,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,5000,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner/manager,60,1,A,2,Buying/managing,40,1,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,5,5,0,0,5,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,2,2,2,*,1,.,1,2,2,2,2,1,2,2,2,*,"I hire mostly walk-ins because they come in more often than recommendations and it's easier.",0,3,0,.,.,Another job with better pay somewhere else.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Recommended by friend,0,9,2,********************,**,**********,.,.,.,*,.,.,1,Mount Prospect,IL,USA,2,1,1,Recommended by friend,0,9,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Los Angelos,CA,USA,.,.,1,Doing business somewhere else,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,.,.,1,Doing business somewhere else,0,5,1,2000,Business,0,30,0,No terms,2,.,*,.,.,.,*,Supplier 3,.,.,.,.,.,1,Business somewhere else,0,2,1,2000,Business,0,30,0,No terms,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,"I'm not active--I don't know",I contact them about the area,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends and relatives,A,2,N,1,.,Chicago,IL,USA,"Employees, location, clothes",Home,Mr. Ko,1,Previous owner,1,.,.,.,.,Prospecting the business/merchandise,Here on location,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,2,2,2,2,1,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,"Because they don't like learning this business.",None,U.S.A.,600000,500000,1,2,2,********************,1,.,20000,2,3900,2,400,2,300,2,200,2,10000,2,3000,2,0,.,0,.,0,.,100,2,115,2,100,2,100,2,125,1,100,2,600,1,150,2,0,.,*,39190,.,2,Charity 1,.,Charity 2,.,Charity 3,.,35000,.,Make a living and put back,30000,200000,150000,75,50000,25,0,0,0,0,0,0,0,0,0,0,********************,200000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,.,150000,3700,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,10,2,2,, 133,8,21,97,9,30,1,1,33,19,2,3,********************,Indian,2,*,A,2,2,27,19,3,********************,Indian,1,*,B,5,2,5,Chicago,3,********************,Indian,8,*,C,4,1,79,India,3,********************,Indian,5,*,D,3,2,63,India,3,********************,Indian,5,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,6,*,.,*************************,1,.,*,.,*,2,Punjaby,1,2,3,Punjaby,83,********************,********************,********************,14,1,Evanston,.,7,1,2,*,70,He was a business owner--he owned his own land and managed it.,1,3,******************************,5,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,4,97,2,*,*,*,2,0,We saw a ""for rent"" sign and decided this was a good place to be.,"Merchandise--we sell wholesale luggage, clothes, and other things for the house.",1,*,2,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had money of my own & my partner had money.,"Knowing the market, not knowing what would sell here",2,*,1,1,Partner 1,22,From the flee market,2,1,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,"I do all the labor work, my partner takes care of the finances and everything else.",2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner/manager,.,2,Wages,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They just don't.",70,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,.,.,.,2,.,22,N,0,3,1,Chicago,IL,USA,.,.,1,Partner,0,2,1,Chicago,IL,USA,.,.,1,Partner,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,R,R,R,2,.,1,Friend,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,.,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"No, I just don't.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Only my partner,A,1,We met at the flee market.,2,1,Chicago,IL,USA,Starting our own business,At the flee market,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,1,More and different merchandise,2,.,*,I would want them to start a better business.,DK,DK,.,.,1,2,2,********************,2,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,R,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,.,.,.,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,10,35,1,1,, 137,8,15,97,9,0,1,1,27,19,2,3,********************,Indian,2,*,A,7,2,25,19,3,********************,Indian,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,15,1,*,19,6,*,.,*************************,1,.,*,.,*,2,Telugu,1,1,3,Telugu,89,********************,********************,********************,8,1,.,.,3,1,2,*,60,Agriculture--he took care of the land.,1,2,******************************,1,2,11,Share with family,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,3,Chicago,IL,USA,1,Manager,4,2,6,1,How to manage my employees and how to run my gas station sales and service.,Business,12,92,1,*,A friend wanted to lease it out.,Through a friend.,2,0,"It was already here, we just changed the name.","Gasoline, food, candy, air for tires, lottery, pop, ice cream, and household needs.",1,*,2,*,50000,0,200,30000,0,*,0,*,0,*,80200,1,0,0,0,0,*,0,50000,30000,0,0,********************,0,2,0,0,0,200,0,0,0,0,0,80200,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I had no credit, knew it would be denied.",Not to bounce checks.,2,*,1,2,Partner 1,22,I used to work for him,1,.,33,1,Partner 2,8,*,1,.,33,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,34,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,34,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,10000,1,Manager,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Part owner/manager,60,1,A,8,Partner/manager,50,1,B,.,*,.,.,C,.,*,.,.,1,1,Relative,2,*,2,.,.,********************,1,7,3,4,0,7,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,2,2,1,"It's hard to find outside people",1,.,1,2,2,2,2,2,2,2,2,*,Much safer and trust worthy.,4,0,0,.,.,Find another job or move out of town.,2,*,.,*,1,Chicago,IL,USA,1,.,22,N,0,5,1,Gary,IN,USA,2,1,22,N,0,5,1,Libertyville,IL,USA,2,2,22,N,0,5,.,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Previous owner,0,2,1,6000,Bill to bill,0,14,0,1,2,.,*,.,.,.,*,Supplier 2,St. Charles,IL,USA,2,1,1,Previous owner,0,2,1,19000,Load to load,0,60,0,No gasoline,2,.,*,.,.,.,*,Supplier 3,Dallas,TX,USA,2,.,1,Previous owner,0,5,1,1700,Monthly,0,30,0,1,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"We just don't and I just don't.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends and brother,A,22,N,1,.,Chicago,IL,USA,Running a business and partnership,His gas station/home,M,8,N,1,.,Chicago,IL,USA,Owning a business,His home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,5,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Stealing,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,1500000,.,1,2,2,********************,1,.,40,2,4000,2,1000,2,150,2,0,.,3000,2,400,4,0,.,200,2,0,.,300,2,150,2,0,.,300,2,3000,1,300,2,1000,2,0,.,0,.,*,.,.,1,Charity 1,200,Charity 2,200,Charity 3,.,60000,.,Put it back in the business and bills,60000,20000,0,0,0,0,0,0,0,0,0,0,0,0,0,100,Rent covers all,.,30000,30000,100,0,0,0,0,.,30000,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,110000,1500,2,1,100000,1500,2,1,10000,250,2,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,10,20,1,2,, 142,6,12,97,2,30,2,1,43,Palastine,2,.,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,14,1,*,Palastine,5,*,.,*************************,1,.,*,.,*,2,Pakastania,2,2,1,*,78,********************,********************,********************,20,1,Ridgeland,.,20,1,2,*,50,He was a farmer--his own business--did not work for anyone,1,2,******************************,4,2,1,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,8,1,Chicago,IL,USA,1,Cashier,0,4,0,1,Management,Business,11,94,1,*,Purchased the store,I approached him and asked,2,0,Already here,Groceries,2,Liquior store,2,*,750,8000,0,0,0,*,0,*,0,*,8750,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,4000,0,0,4750,0,0,0,0,8750,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I just didn't",Getting to know the people,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,My wife worked here before she died,64,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,1,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,1,Arabian,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,1,2,2,2,2,2,2,2,2,*,"It's easier to trust",0,1,0,7,0,"I don't have any who has",2,*,.,*,1,Chicago,IL,USA,2,2,1,Through Brother,0,4,1,Chicago,IL,USA,1,.,1,From Brother,0,4,1,Chicago,IL,USA,1,.,1,From Brother,0,4,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,They were recommended through my brother,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,From Brother,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,From Brother,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't know where they are",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,8,A,8,*,1,.,Chicago,IL,USA,Opening my own business,His store,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,11000,.,1,2,2,********************,2,2,1300,2,840,2,350,2,100,2,200,2,500,2,92,2,0,.,0,.,0,.,0,.,1000,2,0,.,0,.,60,2,100,2,0,.,0,.,0,.,*,4542,2,2,Charity 1,.,Charity 2,.,Charity 3,.,11000,.,"I spent it--don't ask me how but I did",0,50000,25000,50,25000,50,0,0,0,0,0,0,0,0,0,0,********************,50000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,1,2,2,2,2,*,1,1,Fire/Theft,50000,100,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,3,30,2,2,, 146,6,5,98,3,20,2,2,51,"Chicago, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,20,4,*,USA,6,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Jeffrey Manor,.,20,1,1,"Stocks, mutual bonds",60,.,1,1,******************************,5,1,9,********************,5,1,1,1,Prior Business 1,Advertisement,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,94,2,*,*,*,2,0,"Third searching, talked to previous owner before they moved out (saw vacancy) later I moved in.","Sell copier machines, printer supplies",1,*,1,2,20000,100000,0,500,80,Electricity,0,*,0,*,120580,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,100000,0,0,0,20580,0,0,0,0,120580,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Parents help out--didn't want to go into debt",Getting people to buy equipment,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,.,.,A,7,Typist/clerk,40,1,B,16,Security,60,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,2,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,Easier and saves money on advertising,30,0,0,4,0,More advance to better job,2,*,.,*,1,Hoffman Estates,IL,USA,1,.,1,Introduced by aquaintance,0,6,1,Chicago,IL,USA,2,1,1,Reputation,0,14,1,Chicago,IL,USA,2,1,1,Friend from school,0,14,1,Chicago,IL,USA,1,.,1,Reputation,0,25,2,********************,**,**********,.,.,.,*,.,.,2,.,*,.,.,*,Supplier 1,Elmhurst,IL,USA,2,1,1,Yellow pages (ads),0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Oak Lawn,IL,USA,3,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Information on computers ,Print business,Association 2,Evanston,IL,USA,2,Coverage of business machines,Advice on computers,Association 3,********************,**,********************,********************,*,*,.,1,"Minority support service, Federal government, Small Business Association",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Don't need it--did research on her own",Friends and business associates,A,1,Research,1,.,Oak Lawn,IL,USA,What kept them in business,Her office/my office,K,22,Grew up together,1,.,Chicago,IL,USA,Profit,Phone/her home,C,.,*,.,.,********************,**,********************,*,********************,1,1,5,********************,A,1,Ads,2,1,South Holland,IL,USA,Meeting qrtly/office machines,On phone,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,20,80,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,1,2,2,2,1,2,2,2,2,*,2,2,2,2,2,2,*,2,*,1,Create subsidiary,4,.,*,*,*,*,11000000,785000,2,2,2,********************,2,1,0,.,850,2,300,2,58,2,0,.,3000,2,0,.,0,.,0,.,0,.,200,2,500,2,250,2,10,2,8,2,42,2,1667,2,0,.,0,.,*,6885,2,2,Charity 1,.,Charity 2,.,Charity 3,.,30000,.,Put back into business,20000,130000,5200,4,91000,70,33800,26,0,0,0,0,0,0,0,0,********************,130000,30000,30000,100,0,0,0,0,.,30000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,500000,75,2,1,190000,125,2,1,80000,42,2,1, 100000,167,2,1,150000,600,2,2,*,.,.,-4,.,.,********************,.,4,30,2,3,, 147,7,9,97,4,35,2,1,52,"Salem, AL",1,2,********************,********************,2,*,A,22,2,36,"Chicago, IL.",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,2,8,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Alabama,.,********************,23,1,66th & Vernon,.,6,1,2,*,60,He was a farmer on a plantation,1,5,Share Cropper,1,2,9,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,2,Chicago,IL,USA,1,Auto mechanic,0,10,0,2,*,Business,1,96,2,*,*,*,2,0,It was already here I just kept it going,"Repairing lawn mowers, snow blowers & different stuff like that",1,*,2,*,2500,500,0,0,0,*,0,*,0,*,3000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3000,0,0,0,0,3000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because I figured I could make it on my own ,Getting in here I had to deal with the owner and the lawyers,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"Because you can't trust them",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,1,1,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,1,2,2,2,2,2,2,2,2,*,"That way I know who I'm getting and know where I'm coming from",0,0,1,.,.,Illiness,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Was recommended,0,6,1,Chicago,IL,USA,1,.,1,Was recommended,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Mellen,WI,USA,.,.,1,Telephone directory,6,1,1,200,Month to month,.,.,.,"Don't know",2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I have not been in business long enough,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,1,2,2,2,2,1,2,2,*,1,2,2,2,2,2,*,1,"Because I don't make the money to make it bigger",1,"I'm planning on getting a bigger place",2,.,*,"Because they won't take care of it",I have not thought about it,Alabama,.,.,2,2,2,********************,1,.,1000,2,400,2,300,2,150,2,50,2,600,2,0,.,0,.,0,.,0,.,0,.,110,2,0,.,0,.,25,2,0,.,0,.,0,.,0,.,*,2635,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,9000,.,40,.,60,0,0,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,.,.,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,1,2,2,2,*,1,2,*,.,.,-4,1,.,55,2,1,.,60,2,1,.,47,2,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,5,46,2,2,, 153,1,12,98,-3,-3,-3,2,70,"Moldon, MO",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,8,0,*,********************,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,New Guinea,.,********************,46,1,Chatham,.,46,1,2,*,40,Farmer--grew crops.,1,2,******************************,5,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,3,71,2,*,*,*,2,0,Just walked by and was close to my house.,"Sell candy, snowballs, cold cuts, pop--toiletries .",1,*,2,*,250,1500,0,500,50,Gas (utility),50,Gas (car),50,Telephone,2400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,2400,0,0,0,0,2400,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I used my savings,Managing employees and their theft--mainly from family members.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"Can't trust them.",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Sent brochure to me,0,26,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Sent brochure to me,0,26,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Sent brochure to me,0,26,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Minister,A,1,Neighbor church,1,.,Chicago,IL,USA,Church supporting my business,At his church,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,1,1,********************,A,1,He has store to the south of me,1,.,Chicago,IL,USA,Doing business in community,On front,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,5,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,1,Need money to expand,1,Decorate and increase stock,1,.,My niece--she is the only one I can trust.,*,Go to MO and do a lot of fishing.,Chicago,10000,.,1,1,.,********************,.,.,500,4,0,.,175,2,0,.,20,4,0,.,100,4,0,.,0,.,1200,1,0,.,35,2,0,.,0,.,630,1,0,.,0,.,170,2,0,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,5000,.,Re-invested in store,5000,.,500,5,1400,10,95000,85,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,By bad health--cancer of breast--had breast removed.,I just work the hours I can--40 hrs per week only,2,2,2,2,2,1,2,2,2,2,1,2,2,1,Just cut down,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,1,1,1,1,2,2,2,2,2,1,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,.,.,.,1,, 154,6,28,97,1,7,2,1,77,"Marion, AL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,2,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Alabama,.,********************,46,1,Chatham,44,14,1,2,*,50,I had a stepfather and he was a farmer during share cropping taking care of the farm. ,1,5,Only got paid once a year,1,3,9,********************,5,1,1,2,Prior Business 1,Used merchandise,Chicago,IL,USA,2,*,Prior Business 2,Used merchandise,Chicago,IL,USA,2,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,1,96,2,*,*,*,2,0,Because I live here,Used maerchandise,1,*,2,*,500,250,0,0,0,*,0,*,0,*,750,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,750,0,0,0,0,750,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because I just went on my own. Went on what I had.,Not making enough money to get my license.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I'm alone here in Chicago",50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,.,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,1,Creditor 1,2,-4,2,.,Chicago,IL,USA,1,5,Peoples Gas,2,-4,.,.,Chicago,IL,USA,1,5,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I am an independent person worker ,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"No one, I just got it as a living quarters & built it up to this. ",A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,2,2,2,2,2,1,1,2,*,2,2,2,2,2,1,Poor health,1,"My truck is broke down and I don't have the income.",1,Get it organize and then I can get someone to help me.,2,.,*,They are all in Alabama and have their own livelihood.,"I feel like I'm already retired.","Stay where I'm at now",1000,.,2,2,2,********************,1,.,0,.,500,2,500,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,1000,.,2,Charity 1,.,Charity 2,.,Charity 3,.,1000,.,Put into the business,0,1000,0,0,0,0,0,0,0,0,0,0,0,0,1000,100,Used clothing,1000,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,2,35,2,2,, 155,1,22,98,12,56,2,1,40,Jordan,2,1,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,15,0,*,********************,2,*,.,*************************,1,.,*,.,*,2,Arabic,1,.,3,Arabic,75,********************,********************,********************,22,1,Hedgewich,.,16,1,2,*,94,Self-employed fruit stand,1,2,******************************,5,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Salesman,0,6,0,2,*,Business,5,91,1,*,It was for sale,Thur the newspaper,2,0,"It was there, I did not choose.","Spirits, liquors, cigarettes",1,*,2,*,1200,0,0,0,0,*,0,*,0,*,1200,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1200,0,0,0,0,1200,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because I did not need it.,Long hours,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,94,2,A,8,Manager,84,1,B,.,*,.,.,C,.,*,.,.,1,1,Relative,2,*,2,.,.,********************,1,4,2,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,2,Arabs,1,2,2,1,2,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,"It's easier",7,0,0,3,0,Salary,1,Restaurant,2,*,1,East Chicago,IL,USA,1,.,22,N,0,8,1,Chicago,IL,USA,2,1,22,N,0,8,1,Chicago,IL,USA,2,2,22,N,0,8,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,They are the ones who can do the service,.,*,Supplier 1,Chicago,IL,USA,2,2,1,The only supplier in Chicago area,0,8,1,7000,30 Days,0,30,0,1.5%,2,.,*,.,.,.,*,Supplier 2,Harvey,IL,USA,2,2,1,The only supplier in Chicago area,0,8,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,2,1,The only supplier in Chicago area,0,8,1,5000,30 days,0,30,0,1.5%,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,None,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Liquor store owner and my brother-in-law,A,1,N,1,.,Chicago,IL,USA,About the business,At his business,S,21,N,1,.,Chicago,IL,USA,About the business,Home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,1,2,2,*,2,2,1,2,2,2,*,2,*,2,*,1,.,Keep it in the family,*,"Relaxing, doing nothing, stay at home",Chicago,800000,730000,2,1,.,********************,.,.,50000,2,0,.,1500,2,300,2,200,2,3000,2,0,.,120,2,0,.,600,2,200,2,250,2,100,2,100,2,160,2,50,2,0,.,0,.,0,.,*,56580,2,2,Charity 1,.,Charity 2,.,Charity 3,.,51000,.,Invested,46000,257000,195000,.,30000,.,30000,.,0,0,2000,.,0,0,0,0,********************,257000,40000,40000,100,0,0,0,0,.,40000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,300000,1800,1,2,.,.,-4,1,300000,438,1,2, -4,.,-4,1,25000,550,1,2,*,.,.,-4,.,1,********************,.,2,45,2,2,, 163,7,7,97,9,15,1,1,70,"Perry, GA",1,2,********************,********************,2,*,A,2,2,72,GA,2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,Africa,.,47,1,South Shore,.,27,1,2,*,40,"Farmer--major crops-corn, etc.",2,.,*,4,1,9,********************,4,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,-3,Chicago,IL,USA,1,Maint. Superintendent,8,3,0,1,"Management, supervisory",Business,4,68,2,*,*,*,2,0,"While canvassing area, saw for rent sign & I liked the area.","Sales, mortgage loans, management.",1,*,2,*,100,0,0,0,350,Fixtures,0,*,0,*,450,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,450,0,0,0,0,450,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had a few dollars since I was working.,Getting sales.,1,Getting loans for clients. I also had problems getting loans for myself to purchase property.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Postal Service,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,2,2,2,2,1,2,2,2,2,*,To get broad base of personnel,2,0,0,4,0,Full time work,2,*,.,*,1,Chicago,IL,USA,1,.,1,Church together,0,5,1,LaGrange,IL,USA,2,1,1,Met thru client,0,15,2,********************,**,**********,.,.,.,*,**,.,1,Chicago,IL,USA,1,.,6,N,0,2,2,********************,**,**********,.,.,.,*,.,.,1,1,I try to do something for my people if qualified,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Solicited us,0,3,1,0,Net 30 days,0,30,0,X,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Referral,0,10,1,0,Net 30 days,0,30,0,X,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I used to belong but no desire now,1,Dearborn Real Estate Board-SBA,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,SBA years ago did not finance real estate so they told me 15 years ago,Friends and pastor of church and work a cross section of people,A,2,N,1,.,Chicago,IL,USA,Thoughts of going into business for self,Home,Dr. Lewis Rawls,1,Pastor,1,.,Chicago,IL,USA,Going into business for self,At church,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,To keep it alive,*,Just to keep on working ,Central Georgia,60000,60000,1,2,2,********************,1,.,0,.,345,2,35,2,1200,1,75,2,175,4,0,.,0,.,0,.,0,.,30,2,80,2,600,1,500,1,20,1,50,2,0,.,0,.,0,.,*,3110,.,1,Charity 1,200,Charity 2,.,Charity 3,.,.,.,.,4000,60000,0,0,30000,50,0,0,0,0,0,0,0,0,30000,50,Name,60000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago,IL,USA,2,.,.,.,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,10,55,1,1,, 164,3,31,98,1,30,2,1,70,Moline,2,2,********************,********************,2,*,A,2,2,63,Florida,2,********************,********************,1,*,B,5,2,37,Chicago,2,********************,********************,1,*,C,12,1,10,Chicago,2,********************,********************,8,*,D,6,1,18,Chicago,2,********************,********************,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,United States,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,********************,********************,********************,60,1,South Shore,.,30,1,2,*,60,Building contractor,1,1,******************************,1,2,8,********************,2,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Got hurt on job receive money started a business.,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,11,62,2,*,*,*,2,0,Came further south to get a way from low end of city needed a good business area.,"Print Wedding Invitations, dance tickets party plugs, and make copies.",1,*,2,*,75,500,0,200,125,Electricity,0,*,0,*,900,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,900,0,0,0,0,900,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Got enough money saved on my own didn't need assistance.","Previous owners didn't take care of place needed a little patching up of walls, painting and getting flyers out for business.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Work for telephone company,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No need because I handle my business myself.,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Heard from others about service,0,10,1,Chicago,IL,USA,1,.,1,Phone book,0,25,1,.,.,.,1,.,1,Daughter told me,0,25,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Because of the price lowest bidder.,*,.,*,Supplier 1,Harvey,IL,USA,2,1,1,Search out advertisement,0,30,1,0,Knows me so no terms,0,0,0,Never borrowed,2,.,*,.,.,.,*,Supplier 2,Bedford Park,IL,USA,2,1,1,Phone book,0,20,1,65,Whenever I can pay back,0,0,3,Credit good no problem pay when can,2,.,*,.,.,.,*,Supplier 3,Oak Lawn,IL,USA,1,.,1,Phone book,0,20,1,0,.,0,0,0,Never Borr,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,1,.,Shaunburg,IL,USA,6,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Never needed their service or advice. Always use my own knowledge.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Knew what I wanted to do and talked to my wife got go ahead all I needed.,A,2,N,1,.,Chicago,IL,USA,Opening up building and finance,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,1,1,0,********************,0,0,0,.,********************,1,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,1,2,2,1,2,2,1,"Technology new equipment, I still use same machinery as when I started not as fast as competitors",1,2,2,2,2,2,*,2,*,2,*,2,.,*,Family not interested in running business after I retire.,"Writing a book on golf,",Chicago,10000,.,2,2,2,********************,1,.,300,2,375,2,200,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,20,2,22,2,0,.,0,.,10,2,250,2,0,.,0,.,0,.,*,1177,2,1,Charity 1,100,Charity 2,300,Charity 3,.,.,.,.,10000,35000,10000,25,25000,75,0,0,0,0,0,0,0,0,0,0,********************,35000,15000,0,0,0,0,15000,100,Operating Cost,15000,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,"Can't keep up with technology need no update printers, equipment still using outdated equipment.","Too much expense haven't done anything about it.",2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,1,2,2,2,2,2,2,1,Children education,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,2,50,2,2,, 166,10,22,97,-3,-3,-3,2,33,New Mexico,1,5,********************,********************,2,*,A,2,1,33,New Mexico,2,********************,********************,2,*,B,16,1,16,California,2,********************,********************,8,*,C,6,1,10,New Mexico,2,********************,********************,8,*,D,5,2,8,New Mexico,2,********************,********************,8,*,E,5,2,4,New Mexico,2,********************,********************,9,N/A,F,1,1,1,New Mexico,2,********************,********************,9,N/A,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,5,*************************,2,5,*,.,*,2,Spanish,1,.,2,Spanish,.,Mexico,New Mexico,.,7,1,Flossmore,.,7,1,2,*,60,Travel agent--self employed in Mexico,2,.,******************************,4,1,9,********************,4,2,1,.,Prior Business 1,.,Cuerbvaca,.,Mexico,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,2,90,2,*,*,*,2,0,Looked for 2 years--wanted something in school area,Uniforms--Nation of Islam(other) apparel,1,*,1,Nation-no specialty,.,.,.,.,1500,Computer,500,Phone,0,*,2000,1,0,0,0,0,*,0,80000,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,80000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not have enough colatoeral,Ignorance of the Business International Laws. No formal training in Apparal Mfg.,1,Not having enough capital. Seasonal Business,1,2,Partner 1,1,Sister-in-law.,1,.,25,2,Partner 2,8,*,1,.,25,2,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Had a program for community business ,Chicago,IL,USA,1,.,1,Business is seasonal--needed loan to stay a float--cash flow ,50000,1,*,.,*,1,5,0,1,Home,165000,2,.,Lender for Operation,Suggested I get SBA loan,Homewood,IL,USA,1,.,1,.,50000,3,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Minister,.,2,Church,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No one else wants to work in the business ,.,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,9,9,0,0,2,0,7,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,.,2,2,2,2,2,2,2,2,1,Newspaper,Finding sewers very hard,30,0,0,1,6,"Family circumstances--pregnancy, etc.",2,*,.,*,1,Hinsdale,IL,USA,1,.,1,N,0,5,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,-3,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,New York,NY,USA,.,.,1,Research from library and other sources ,0,3,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Richmond,IN,USA,.,.,1,Research from library and other sources ,0,2,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Research from library and other sources ,0,3,.,.,*,.,.,.,*,2,.,*,.,.,.,*,.,2,*,1,Creditor 1,2,-4,1,.,Chicago,IL,USA,3,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,Various,Good research--direction in business ,All,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Husband, manufacturers, service ",A,2,N,1,.,Chicago,IL,USA,Opening of a business--financial ,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,1,2,2,2,1,2,1,2,1,1,2,*,2,2,2,2,2,1,One person,1,With financing it would increase sales/lower cost of production,1,Restructure production and marketing,1,.,Would not like to see all my sweat (hard work)go to waste ,*,"Invest for retirement--don't have time to think about it now. ",None,300000,350000,2,2,2,********************,2,1,2000,2,1200,2,150,2,3500,1,550,2,12000,2,3000,4,400,2,0,.,0,.,250,2,450,2,100,2,4000,1,300,1,100,2,0,.,0,.,0,.,*,.,.,1,Charity 1,7000,Charity 2,50,Charity 3,.,.,.,*,.,17000,.,.,72000,.,.,.,.,.,20000,.,.,.,.,.,********************,92000,45000,.,.,.,.,.,.,.,.,1,Bank 1,Chicago,IL,USA,Bank 2,Homewood,IL,USA,Bank 3,********************,**,********************,1,97,Cash flow--very low,Went further into debt,2,2,2,2,2,2,1,1,2,2,2,1,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,1,50000,350,3,., -4,.,-4,.,.,.,-4,1,Workman comp,95000,1700,1,1,1,********************,.,.,.,.,2,, 168,8,14,97,6,40,2,2,48,"St. Louis, MO",1,2,********************,********************,2,*,A,2,1,48,"Chicago, IL",2,********************,********************,1,*,B,6,1,26,"Quincy, IL",2,********************,********************,1,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,13,1,*,USA,1,*,1,*************************,2,8,Pentalcostal,.,*,1,*,.,.,1,*,.,Africa,.,********************,25,1,84th Stony,.,11,1,2,*,60,Pastor of church and did upolstery on the side,1,1,*,1,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Head teacher of kindegarten,1,2,0,1,Enhanced lesson planning,Business,6,86,2,*,*,*,2,0,I saw this building when I came to visit a friend. It was what I was looking for.,Child care for ages 2-6 yrs.,1,*,2,*,350,3000,0,0,0,*,0,*,0,*,3350,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,0,3350,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Was not necessary,None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Daycare provider,.,2,Social worker-DCFS,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Director/teacher,60,2,A,5,"Sec'y",20,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,4,4,0,0,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,"People I've worked with before--taken a class with. I hired off the street and it did not work out.","I have to know them or have dealings with them before hiring. I'm picky about who i put over the children.",7,0,0,9,0,When we moved they wanted to stay where they were,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,0,6,2,********************,**,**********,.,.,.,*,.,.,1,South Suburban,IL,USA,2,1,1,Yellow Pages,0,3,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,2,1,1,I am a black business and I like to promote black businesses,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Referral,0,8,1,700,Net 30,0,30,0,N/A,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Walk-in,0,4,1,5000,Lease/Purchase 5yrs,0,.,.,N/A,2,.,*,.,.,.,*,Supplier 3,Forest Park,IL,USA,2,1,1,System was in when we moved in bldg ,0,2,1,300,Every 3 months,0,0,3,N/A,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Haven't looked into it--not interested at this time",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Minister, husband",A,1,Belong to same church,1,.,Chicago,IL,USA,Opening the business/his spiritual counseling,At his home,Wendell,2,N,1,.,Chicago,IL,USA,Is it the right time--I would have to quit my job--,At home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Need more space,1,No savings--what I make I re-invest ,1,Getting a larger space,1,.,To keep the business going,*,Work with the church and the elderly,Where I live now,110000,95000,1,2,2,********************,1,.,800,2,1500,2,100,2,100,2,0,.,3500,2,0,.,0,.,250,2,0,.,300,2,100,2,0,.,0,.,75,1,0,.,0,.,2000,2,0,.,*,8725,.,1,Charity 1,45,Charity 2,45,Charity 3,45,.,.,*,.,500000,1000,5,85000,90,0,0,2000,10,1500,5,0,0,0,0,********************,89500,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,Summer months--July/August--people go on vacations ,We pray. I borrow from the household to meet expenses.,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Reduced hours,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,1,2,2,2,*,1,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,1,I million on children getting hurt ,999999,156,2,2,.,********************,.,8,0,2,2,, 190,9,17,97,3,15,2,2,55,Mississippi,1,2,********************,********************,2,*,A,15,2,30,Mississippi,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,19,4,*,USA,1,*,1,*************************,2,5,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,29,1,Chatham,44,15,1,1,Elementary teacher--CPS,55,Farmer--cotton crops,2,.,*,4,1,8,********************,2,2,1,1,Prior Business 1,Insurance broker,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Insurance agent,0,2,0,1,"Filling out forms, computer skills, marketing services",Business,1,97,2,*,*,*,2,1,Availability for children,Tutoring for reading,1,*,1,.,1400,2000,0,1500,0,*,0,*,0,*,4900,1,2500,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,1500,0,0,0,0,4000,.,.,*,.,*,Lender 1,Downtown,Chicago,IL,USA,.,.,2,.,13,*,2,.,.,2,********************,.,2500,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Finding a location,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Teaching,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,34,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,2,2,2,1,From College campuses,Location--depends on students who need teaching experience for their degrees ,.,.,.,0,9,"Return to school, start their own business",1,Writer,2,*,1,Evergreen Plaza,IL,USA,1,.,1,N,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,.,*,.,*,Supplier 1,.,.,.,.,.,1,.,9,0,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,.,WI,USA,.,.,1,.,9,0,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,OK,USA,.,.,1,.,9,0,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,1,Chamber of Commerce,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Haven't had the time to start",Friends--no particular people,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,2,*,2,*,1,"Have more locations, more programs",3,3,*,*,Travel,No particular place,.,.,.,2,2,********************,1,.,150,.,650,.,35,.,0,.,0,.,600,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,1435,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,No profits right now,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,.,.,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,1,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,4,30,2,2,, 192,5,12,98,7,0,2,2,31,IL,1,2,********************,********************,1,*,A,2,1,31,IL,2,********************,********************,1,*,B,6,1,4,IL,2,********************,********************,8,*,C,6,1,3,IL,2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Wrightwood,.,5,2,1,I work a job,65,He was a postal worker and he also worked for C.T.A.,1,1,******************************,2,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,-2,.,VA,USA,2,Computer analyst/consultant,0,7,0,1,The actual interview process,Business,1,93,2,*,*,*,2,0,I just work out of the home,Resume writing,1,*,2,*,0,1200,0,50,0,*,0,*,0,*,1250,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1250,0,0,0,0,1250,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need it",Time management--with working full time and having a family to care for.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Working,.,2,Working,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They just don't",65,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Evergreen Park,IL,USA,2,1,1,Advertisement,.,2,1,0,30 days,.,30,.,Late fee,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My best friend,A,1,Friend,1,.,Chicago,IL,USA,Getting started,At my home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,I want my children to do something more than this.,I have no plans for retirement.,Virginia,7000,7000,1,2,2,********************,2,1,20,2,0,.,0,.,0,.,0,.,0,.,500,2,0,.,0,.,0,.,0,.,80,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,600,2,2,Charity 1,.,Charity 2,.,Charity 3,.,7000,.,Put it in the bank,5000,3000,0,0,0,0,0,0,0,0,3000,100,0,0,0,0,********************,3000,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,8,0,2,2,, 195,1,27,98,11,17,1,1,60,Chicago,1,2,********************,********************,2,*,A,2,2,60,Chicago,2,********************,********************,7,*,B,5,2,30,Chicago,2,********************,********************,1,*,C,5,2,40,Chicago,2,********************,********************,1,*,D,11,2,12,Chicago,2,********************,********************,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,8,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Mississippi,.,********************,97,.,Chatham,.,30,1,2,*,72,Butcher--cutting meats,1,1,******************************,4,2,4,********************,5,1,1,3,Prior Business 1,Alcohol beverages,Chicago,IL,USA,1,*,Prior Business 2,Car washing,Chicago,IL,USA,2,*,Prior Business 3,Occupancy/lodging,Chicago,IL,USA,1,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,9,95,2,*,*,*,2,0,Familiar with the neighborhood,Used furniture,1,*,2,*,0,5000,1200,6000,0,*,0,*,0,*,12200,1,0,0,12200,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,12200,.,.,*,.,*,Lender 1,To start my business,Chicago,IL,USA,2,1,2,.,14,*,1,1,0,1,Building,80000,40000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Getting license,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,5,Parole Officier,.,5,School teacher,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are already working.,72,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,"It's simplier",14,0,0,0,4,Better paying job,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"There's none for my business",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,A person in my business,A,1,His sign on the building,1,.,Chicago,IL,USA,How to get your products and mark-ups,At his place,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,0,2,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,2,1,Access to more commodities,2,*,2,*,1,.,"i can make money--it's profitable",*,Frightened--have money when I retire.,Chicago,52000,.,1,1,.,********************,.,.,1500,2,0,.,200,2,0,.,150,2,300,2,300,2,800,2,0,.,33,2,100,2,150,2,100,2,0,.,50,2,50,2,0,.,0,.,0,.,*,3733,2,2,Charity 1,.,Charity 2,.,Charity 3,.,10000,.,Put it back into business,0,100000,20000,20,0,0,80000,80,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Not enough stock,Lay off help,2,2,2,2,2,2,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,1,30,2,2,, 201,4,22,98,3,15,2,1,68,Tennessee,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,20,4,*,USA,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,41,1,Kenwood,.,37,1,1,Pension fund,18,Farmer,1,2,******************************,1,3,4,********************,2,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Stock broker,0,10,0,1,Took extra courses in tax preparation/teaching,Business,.,68,1,*,Past owner offered to sell to me.,I worked at this business place before I bought it.,2,0,Certified owner retired and sold business to me.,"Accounting, tax preparation, travel",2,Prepared resume service for clients and friends.,2,*,25,250,0,0,500,Supplies,25,Electricity,0,*,800,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,800,0,0,0,0,800,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Because wasn't that much money required for business at that time.",Getting clients to let a black person do income tax and represent blacks in stocks and bonds.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't live in state of Illinois",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,2,2,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,They usually have good potential and work for less pay,7,0,0,0,6,Go on to better jobs for more money,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,.,WI,USA,2,1,1,Reputation/by changing job,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,.,IA,USA,1,.,1,Referral from former boss,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,.,NJ,USA,20,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,.,WI,USA,1,Work shops/supply catalogs,Supplies,Association 2,.,MN,USA,1,Telephone call for tax question,Monthly bullentin,Association 3,********************,**,********************,********************,*,*,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,1,Went to school together,1,.,Chicago,IL,USA,Tax preparations/stocks,His house/my home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,2,3,********************,A,1,Neighbors,1,.,Harvey,IL,USA,Doing taxes/problems of taxes,Home or restaurant,B,1,N,1,.,Chicago,IL,USA,Traveling advice,Home or office,C,.,*,.,.,Went to school together,********************,**,********************,*,*,1,********************,98,1,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,1,2,2,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,Add more people to work as trainee(s) to be part of the association,2,.,*,Would be impossible because they have their own business,Working taxes is part of my retirement,Chicago,47000,95000,2,2,2,********************,2,1,0,.,600,2,30,2,300,2,42,2,75,2,0,.,0,.,0,.,0,.,42,2,80,2,5000,2,54,2,12,2,0,.,0,.,0,.,0,.,*,6236,2,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,1500,*,40000,20000,20000,100,0,0,0,0,0,0,0,0,0,0,0,0,********************,20000,7000,0,0,0,0,7000,100,Charge card,7000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,1,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,1,20000,155,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,25,2,3,, 205,6,29,98,4,5,2,1,45,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,45,"Chicago, IL",2,********************,********************,6,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,8,.,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,20,1,1,Invest in stocks and bonds,100,Commerical artist,2,.,******************************,5,1,9,********************,5,1,1,1,Prior Business 1,Real estate mgmnt,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,97,2,*,*,*,2,0,Bought building from SBA,"Paint, sundry items, wallpaper",1,*,2,*,0,300000,25000,200000,0,*,0,*,0,*,525000,1,350000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,175000,0,0,0,0,525000,.,.,*,.,*,Lender 1,.,Chicago,IL,USA,2,1,2,.,10,*,1,20,0,2,********************,.,175000,2,.,Lender 2,.,Chicago,IL,USA,1,.,2,.,10,*,1,20,0,2,********************,.,175000,2,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,1,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,6,Manager,.,5,Bookkeeper,.,5,Secretary,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,50,.,A,5,Bookkeeper,20,1,B,5,Secretary,20,1,C,6,Sales manager,50,1,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,1,1,N,0,5,1,Chicago,IL,USA,1,.,1,N,0,5,1,Chicago,IL,USA,2,1,1,.,0,10,1,Chicago,IL,USA,1,.,1,.,0,2,2,********************,**,**********,.,.,.,*,.,.,3,1,Use whomever is available with good reputation,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Reputation,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Reputation,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,FL,USA,1,.,1,Reputation,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,1,.,Chicago,IL,USA,10,0,Evergreen Bank,2,-4,2,1,Chicago,IL,USA,2,0,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Don't know of any",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,1,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,1,4,********************,A,1,N,1,.,Oak Lawn,IL,USA,Black on Black business,Oak Lawn/Chicago,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,8,2,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,Credit check,30 days,0,1,0,1,2,1,2,2,2,2,2,1,1,2,*,2,2,2,2,2,1,Competition,2,*,1,Advertising/leg work,4,.,*,*,*,*,.,.,2,1,.,********************,.,.,0,.,0,.,600,1,300,1,150,1,30000,1,0,.,0,.,0,.,180,1,500,1,6000,1,600,1,175,1,105,1,800,1,0,.,0,.,0,.,*,39410,1,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,1000000,300000,23,100000,10,400000,40,25000,5,25000,5,150000,17,0,0,********************,1000000,270000,81000,30,189000,70,0,0,.,270000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",80000,3000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,45,2,3,, 206,8,4,97,2,0,2,1,41,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,38,"Chicago, IL",2,********************,********************,2,*,B,6,1,18,"Chicago, IL",2,********************,********************,8,*,C,6,1,16,"Chicago, IL",2,********************,********************,8,*,D,6,1,13,"Chicago, IL",2,********************,********************,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,18,3,*,USA,1,*,1,*************************,2,8,Christian,.,*,1,*,.,.,1,*,.,"Chicago, IL",USA,.,97,.,Chatham,44,19,1,1,Pastor also independent contractor for a national phone company,84,"Truck driver, long hauler for R.C. Pop Company--deliveries state to state",1,1,*,2,1,8,********************,5,1,1,1,Prior Business 1,Auto mechanics,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago,IL,USA,1,Specialist-Wheelchair,0,3,6,2,*,Business,3,89,2,*,*,*,2,0,The neighborhood where I live,Gifts and things,1,*,2,*,495,200,0,200,0,*,0,*,0,*,895,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,895,0,0,0,0,895,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,.,Financial,1,Lack of loans availability. They did not want to give me a loan. I went to Seaway and Independent,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Because I had bad experiences with the banks,Chicago,IL,USA,2,1,1,Debt recovery,10000,1,*,5,*,1,1,0,2,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,CTA worker,.,2,Associate Mgr.,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,General operation,44,2,A,6,Service the customer,8,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,South Holland,IL,USA,1,.,1,He worked for wife company,0,6,1,Chicago,IL,USA,1,.,1,He worked for wife company,0,5,1,Chicago,IL,USA,1,.,1,-3,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,To keep stock in own community,*,.,*,Supplier 1,Des Plaines,IL,USA,1,.,1,At a trade show,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Bogart,GA,USA,2,.,1,Trade show,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,.,1,Telephone book,0,6,1,600,Net 30,0,30,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,It did not work for me. I paid dues but received no service.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My spouse and church members,A,1,She was a church member,1,.,Chicago,IL,USA,What it would take to get a business started,Her office.,Spouse,2,N,1,.,Chicago,IL,USA,How to make her happy--she wanted this business,At home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,1,0,1,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,How I feel about them--rapport I have with them ,"Honor, no interest",0,0,0,2,2,2,2,2,1,1,2,2,1,2,*,2,1,1,2,1,2,*,1,Lack of financing put a serious damper on expansion,1,"Increase profit, buy supplies at cheaper rate or buy supplies wiser",1,.,I would ilike to keep it in the family,*,To have more time to devote to the church,"I plan to live in Chicago, especially Chatham",70000,70000,1,2,2,********************,2,3,1000,2,1000,2,500,2,500,2,40,2,800,2,200,2,0,.,300,2,150,2,50,2,65,2,30,2,100,2,10,2,0,.,0,.,0,.,0,.,*,4745,.,1,Charity 1,700,Charity 2,.,Charity 3,.,10000,.,Re-invest,6000,300000,194000,.,200000,.,0,0,1000,.,5000,.,0,0,0,0,********************,400000,7000,7000,100,0,0,0,0,*.,7000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,.,.,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,1,2,1,2,2,2,2,1,1,2,2,*,1,1,"State Farm Fire, theft, liability, business interruption",100000,20,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,1, 8000,8,2,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,4,2,2,, 207,12,19,97,11,0,1,1,53,Chicago,1,2,********************,********************,2,*,A,2,2,52,St. Louis,2,********************,********************,1,*,B,6,1,34,Chicago,2,********************,********************,3,*,C,6,1,29,Chicago,2,********************,********************,3,*,D,5,2,31,Chicago,2,********************,********************,1,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,8,1,2,*,60,He was a cab driver,1,1,******************************,4,4,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,93,2,*,*,*,2,0,This is the only location I saw available.,Beeper service,1,*,2,*,1000,20000,5000,0,0,*,0,*,0,*,26000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,26000,0,0,0,0,26000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,I have an account there,1,1,.,Chicago,IL,USA,250000,Yes,Non Lender 2,Because Seaway turned me down,1,2,1,Chicago,IL,USA,400000,Yes,Non Lender 3,.,1,1,.,Chicago,IL,USA,200000,Yes,.,Getting my FCC license.,1,"I couldn't get a bank loan.",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Working wages,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"My daughter and my son don't want to get in the business.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Daughter recommended,0,1,1,Chicago,IL,USA,1,.,1,Attend same church,0,8,1,Chicago,IL,USA,1,.,1,At church,0,8,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"I just do, I prefer to employ my own race.",*,.,*,Supplier 1,Schaumburg,IL,USA,2,1,1,In the directory,0,4,1,800,Month to month,.,.,.,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,In the directory,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,97,2,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,Just to keep it in the business.,*,Only God knows that,"I don't know",40000,30000,1,2,2,********************,2,3,0,.,12000,1,300,2,0,.,50,1,0,.,500,4,0,.,0,.,0,.,100,2,800,2,0,.,200,2,300,1,50,2,0,.,0,.,0,.,*,14300,.,1,Charity 1,10000,Charity 2,.,Charity 3,.,999999,30000,*,10000,.,10000,50,10000,50,0,0,0,0,.,.,0,0,0,0,********************,20000,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,94,"I had a hard time getting my equipment, my own terminal and dealing with Ameritech.",Day by day,2,2,2,2,2,2,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,11,50,1,2,, 209,1,21,98,-3,-3,-3,2,61,Arkansas,1,2,********************,********************,5,*,A,2,1,62,Arkansas,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,1,*************************,2,8,Penecostal,.,*,1,*,.,.,1,*,.,Central America,********************,********************,45,1,Auburn Park,.,33,1,2,*,50,Machine operator at GM,1,1,******************************,1,3,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Postal employee,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,10,85,4,*,*,*,2,0,Realtor & with help of daughter-in-law.,"Bakery products--cakes, rolls, etc.",2,Catering,2,*,0,3500,0,500,5000,Delivery car,0,*,0,*,9000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,9000,0,0,0,0,9000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Started as a hobby with daughter,Money and equipment as business grew--we needed more.,1,Always needed capital--hobby got out of hand.,1,1,Partner 1,5,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,"Have different postions, so we don't get in each other's way.",1,Lender for Operation,They have minority banking department--active in community.,Chicago,IL,USA,1,.,1,To expand business out of the house.,.,1,*,.,*,1,20,0,1,Building,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,.,1,Postal employee,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Partner,45,2,A,5,Partner,50,1,B,2,.,20,2,C,5,.,45,1,2,.,Relative,.,*,2,.,.,********************,1,6,6,0,0,5,0,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,1,2,2,2,2,2,2,2,*,Has worked the best for us.,14,0,0,3,0,Moved out of area,2,*,.,*,1,South Holland,IL,USA,1,.,22,N,0,4,1,Glencoe,IL,USA,2,1,22,N,0,14,1,Midlothian,IL,USA,1,.,1,Accountant recommended,0,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,I go with whom I think is best.,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,DK,None,Association 2,.,.,.,6,DK,None,Association 3,********************,**,********************,********************,*,*,.,1,City/State programs,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,No time,None in particular,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,2,3,0,5,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,1,1,1,1,2,2,2,2,2,*,2,2,2,1,2,2,*,2,*,1,Maybe open another location.,1,.,"Got into this because of my daughter's hobby",*,To finally retire,Chicago,.,.,1,1,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Put back into business,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,1,2,2,2,1,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability, business interruption",.,2500,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,., -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,.,.,.,.,, 211,8,15,97,2,13,2,1,49,Belize,2,2,********************,********************,2,*,A,2,2,42,"Belize, Cntrl Americ",2,********************,********************,1,*,B,6,1,10,"Chicago, IL",2,********************,********************,8,*,C,5,2,21,"Chicago, IL",2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,"Belize, Cntrl Americ",2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,75,********************,********************,********************,20,1,Matteson,.,7,1,2,*,50,Bookkeeper,1,1,******************************,4,2,9,********************,1,1,1,1,Prior Business 1,Recordings,Belize,SA,Cntrl America,4,Partnership,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,8,2,Chicago,IL,USA,1,Supervisor,2,2,0,2,*,Business,7,79,1,*,His leased expired and I got a new lease,"Iwas my brother's--was going to close the place",2,0,My brother had it,"It's a variety of products",2,"Recordings, then videos",2,*,250,1000,0,7000,0,*,0,*,0,*,8250,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,8250,0,0,0,0,8250,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Does not apply,"Getting the business back to where it was, the place was dirty and hardly any up-to-date stock",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Bd of Education,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,35,1,A,8,Manager,15,1,B,.,*,.,.,C,.,.,15,1,1,2,Relative,.,*,2,.,.,********************,1,1,0,1,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,2,2,2,2,2,1,2,2,2,*,Because I have a small business,3,0,0,.,.,Just have a part-time worker who is my relative ,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Hickory Hill,IL,USA,1,.,1,He gave me his business card,0,8,1,Chicago,IL,USA,1,.,1,Black Page Directory,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,I try to keep my business in the community,*,.,*,Supplier 1,Chicago,IL,USA,2,3,1,Friend gave me location,5,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,My Brother dealt with him,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't think I have that big of a business ",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My wife and friends,A,22,N,1,.,Chicago,IL,USA,"How to get the goods, how is the market, etc",At his business,Terry,2,N,1,.,Matteson,IL,USA,Going from video to dollar store is it the right move,Home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,3,Hispanic,0,2,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,1,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,1,"Getting a loan too hard, they want all kind of collateral",1,Increase my stock because of the change in business--offer incentive to patronize store ,1,.,"If the business is successful now, it will be successful then and it's always there to fall back on",*,I would like to tour--get a camper or a trailer,Chicago will still be my home,40000,48000,1,2,1,8,1,.,1500,2,600,2,200,2,300,2,200,2,300,2,1000,2,40,2,0,.,0,.,25,2,50,2,20,2,25,2,10,2,0,.,0,.,45,2,0,.,*,4315,.,1,Charity 1,40,Charity 2,.,Charity 3,.,21000,.,Invested back into business,23000,17000,10000,.,5000,.,0,0,0,0,2000,.,0,0,0,0,********************,17000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,1,2,1,1,2,2,2,2,2,1,2,2,*,1,1,"Liability, fire, theft",1000000,225,2,1,25000,270,2,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,10,2,2,, 215,1,13,98,-3,-3,-3,1,42,India,2,3,********************,Indian,2,*,A,2,2,38,India,3,********************,Indian,1,*,B,5,2,11,ILL,3,********************,Indian,8,*,C,5,2,6,ILL,3,********************,Indian,8,*,D,6,1,2,ILL,3,********************,Indian,9,Child,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,6,*,19,6,*,.,*************************,1,.,*,.,*,2,Gujarati,1,2,2,Gujarati,77,********************,********************,********************,18,1,Darien,.,7,1,2,*,50,Accounting clerk--bookkeeping and payroll.,1,1,******************************,4,3,5,********************,4,1,1,2,Prior Business 1,Rx,Chicago,IL,USA,1,*,Prior Business 2,"N'hood store/drugs",Elgin,IL,USA,1,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,.,IL,USA,2,Rx,0,5,0,1,How to handle the changing markets,Business,11,92,1,*,Bill of sale,Broker,2,0,I liked the area,"Rx, groceries, household items & lottery",1,*,2,*,1700,5000,5000,140000,0,*,0,*,0,*,.,.,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,45000,0,0,0,0,45000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Used savings--I did not know if I could get a loan.,I had to learn the total operation of store on a bigger level.,2,*,1,2,Partner 1,1,School in India,1,.,33,1,Partner 2,22,Friend of partner #1,1,.,33,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,34,1,2,KP no longer interested,1,New Partner 1,1,Friend,1,.,50,1,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,SP runs the grocery & lottery and I run the pharmacy.,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Wife works elsewhere,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,7,5,2,0,6,0,0,0,0,********************,0,0,0,1,Indian,0,0,0,0,********************,1,2,1,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,To know them and their history,7,0,0,10,0,Better job,1,Real estate broker,2,*,1,Skokie,IL,USA,1,.,1,Referral,0,2,2,********************,**,**********,.,.,.,*,.,.,1,Lincolnwood,IL,USA,2,1,1,Referral,0,7,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Carol Stream,IL,USA,2,2,1,Stopped by,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Burr Ridge,IL,USA,2,1,1,Came with store,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,2,1,Came with store,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Problems facing neighborhoods and how to deal with them,.,Association 2,Washington,DC,USA,1,News and updates on profession,.,Association 3,.,DE,USA,1,How to run drug store business,.,.,1,SBA,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Did not need.,Relatives/friends,A,14,N,1,.,New York,NY,USA,Pros/Cons of opening store,Telephone,IR,22,N,2,1,Chicago,IL,USA,He is Rx and gave me guidance in business,His store,C,.,*,.,.,********************,**,********************,*,********************,1,20,5,********************,A,14,*,1,.,New York,NY,USA,Problems of doing business,Telephone,B,22,N,2,1,Chicago,IL,USA,Problems of doing business,His store,C,.,*,.,.,22,********************,**,********************,*,*,1,********************,90,5,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,2,2,2,2,2,2,2,2,*,2,2,1,1,2,2,*,2,*,1,Remodel to make pharmacy bigger,2,.,*,"They don't have the professional experience",Travel,"Chicago, IL",1200000,.,1,2,2,********************,2,1,900000,1,2200,2,700,2,3800,1,0,.,140000,1,45000,1,400,2,0,.,0,.,400,2,100,2,1500,1,0,.,1500,1,1000,1,0,.,12000,1,0,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,30000,.,Re-invested in business,30000,150000,125000,79,10000,7,0,0,0,0,20000,14,0,0,0,0,********************,155000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Darien,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,1,2,2,2,2,2,2,2,*,1,1,"Fire, Business loss, professional liability",1000000,300,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,1,, 230,11,6,97,6,0,2,2,46,Kansas,1,2,********************,********************,2,*,A,2,1,53,Mississippi,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,40,1,Roseland,.,12,1,2,*,40,My father was an interior decorator,1,1,******************************,4,2,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Hair stylist,0,5,0,3,*,Business,3,89,2,*,*,*,2,0,My uncle owned the property,"We do hair styling, manicurist, nail technician",1,*,2,*,0,3000,0,0,25000,Renovate,0,*,0,*,28000,1,25000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,3000,0,0,0,0,28000,.,.,*,.,*,Lender 1,They granted me a mortgage,Chicago,IL,USA,1,.,2,.,10,*,1,10,0,1,House,100000,25000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"It just ran, god blessed me and it ran. So, I guess I can say none.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Working,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager/do hair,40,1,A,19,Nail technician,30,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,9,6,3,0,6,3,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,2,2,2,2,1,1,2,2,2,*,"That's how they apply",0,6,0,3,0,To start their own business,1,Hair salon,1,Only with management of business in getting started.,1,.,IN,USA,2,1,22,N,0,12,1,Chicago,IL,USA,2,1,1,From Husband,0,12,1,New York,NY,USA,2,1,1,From Husband,0,8,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,"That was my husband's choice--if we had been referred to a Black, then we would have used a Black.",2,*,Supplier 1,Chicago,IL,USA,2,1,1,Sales rep,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Sales rep,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,.,USA,2,1,1,Another company,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,R,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Only my husband,A,2,N,1,.,Chicago,IL,USA,If I could be my own boss and management,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,1,1,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,25000,30000,1,1,.,********************,.,.,200,2,0,.,800,2,1200,1,50,2,0,.,5000,2,0,.,0,.,2500,1,40,2,120,2,100,2,1200,1,215,1,500,1,0,.,0,.,0,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,30000,.,Put it in the business and the bank.,25000,90000,20000,.,10000,.,50000,.,0,0,10000,.,0,0,0,0,********************,90000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,2,1,1,2,2,1,2,2,2,*,1,1,"Fire, theft",100000,1200,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,7,30,2,2,, 234,8,27,97,7,0,2,1,66,Mississippi,1,2,********************,********************,2,*,A,2,2,65,Mississippi,2,********************,********************,2,*,B,5,2,41,"Chicago, IL",2,********************,********************,1,*,C,12,1,9,"Chicago, IL",2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,21,.,********************,47,1,Olympia Fields,.,4,1,1,Real Estate,65,He was a farmer--he owned the land he farmed.,1,2,******************************,1,1,9,********************,4,2,1,1,Prior Business 1,Hair cutting,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,9,73,1,*,I bought it from my brother,Through my brother,2,0,It was here,"It's a grocery store",1,*,2,*,500,10000,0,5000,0,*,0,*,0,*,15500,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,15500,0,0,0,0,15500,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Because usually it's red sign up that says NO anyway.",To learn how to manage the retail business.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Worked for the railroad,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have other employment,65,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Recommendation,0,20,1,Chicago,IL,USA,1,.,1,Through the church,0,7,1,Chicago,IL,USA,1,.,1,Met getting auto insurance,0,43,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,I employ according to performance,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Major wholesale distr. in Chicago,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,.,Chicago,IL,USA,10,0,World Savings,2,-4,2,1,.,TX,USA,5,0,Creditor 3,2,-4,2,1,.,.,USA,5,0,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,"Health, welfare, business assistance for loans",None,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Accountant, lawyer",A,1,Recommended,1,.,.,.,.,Financing and setting up business.,His office,E,1,Church member,1,.,.,.,.,Legal contract,His office,C,.,*,.,.,********************,**,********************,*,********************,1,3,3,********************,A,8,*,1,.,Chicago,IL,USA,Day to day operations/sales,Phone,B,1,***********,1,.,Chicago,IL,USA,Day to day operations/sales,Phone,C,1,Barber,1,.,Barber,Chicago,IL,USA,Community/day to day operations,His place,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,1,2,2,2,2,1,2,2,*,2,2,1,2,2,2,*,2,*,1,I want to do a food service--I want to sell fast food here.,1,.,Because it has unlimited opportunities.,*,None,In my business,95000,93000,1,1,.,********************,.,.,60000,1,0,.,2500,1,2500,1,4000,1,0,.,500,4,0,.,0,.,2500,1,250,1,550,1,300,1,300,1,800,1,1200,1,0,.,0,.,0,.,*,75400,1,1,Charity 1,100,Charity 2,1500,Charity 3,0,12000,.,Re-invested in store,12000,110000,75000,75,7500,20,0,0,350,5,0,0,0,0,0,0,********************,117150,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,Business,75000,2200,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,8,20,2,3,, 235,3,11,98,9,0,1,1,72,Mississippi,1,2,********************,********************,2,*,A,2,2,70,Mississippi,2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,51,1,Englewood,.,38,1,2,*,57,He was a farmer,1,1,******************************,1,5,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Seamstress,0,9,0,1,How to manage my business and how to operate the equipment and deal with the customers.,Business,.,79,2,*,*,*,2,0,We were looking and this was here the person that owned it was killed and we bought it.,"It's a tailor shop and a cleansers.",1,*,2,*,0,15000,0,0,8000,Building,0,*,0,*,23000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,23000,0,0,0,0,23000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,We did not need it I had the money.,Promoting the business,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't like the business.",57,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,1,2,2,2,*,"I don't really know maybe because I don't deal with agencies or place ads.",0,2,0,0,3,Go to a better job.,1,Cleaners,1,By teaching them what to do and by training them how to use the equipment.,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Friend,0,20,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"They really don't deal with business issues.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends at school,A,22,We went to school together,1,.,.,.,.,Tailoring,At the school,A,22,Tailoring school,1,.,.,AR,USA,Getting started,At school,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,0,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,2,2,2,2,2,*,2,*,2,*,2,.,*,"They can't stand the business--it's really a lot of abuse in this business and they refuse to do it.",Have none,Chicago,.,.,1,1,.,********************,.,.,300,2,0,.,400,2,0,.,100,2,0,.,0,.,0,.,0,.,0,.,20,2,100,2,0,.,0,.,13,2,83,2,0,.,0,.,0,.,*,1016,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,100000,20000,20,20000,20,60000,60,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",100000,1200,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,10,0,1,2,, 236,8,12,97,5,40,2,1,60,Mississippi,1,2,********************,********************,2,*,A,2,2,58,"Chicago, IL",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,54,1,Westchester,.,34,1,1,"Real estate, mutual funds, CD's",10,"My father was basically a janitor at RR Donnelly's & Sons here in Chicago",1,1,******************************,4,1,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago.,IL,USA,1,Safety coodinator,20,5,0,1,Dealing with people ,Business,5,82,1,*,Paid for it and received ownership ,I live down the street and saw a for sale sign on the building ,2,0,It was already here ,"It's provides a self serving laundromat ",1,*,2,*,0,5000,100,0,25000,.,5000,.,0,*,35100,1,0,0,0,0,*,0,5000,0,5000,0,********************,0,1,0,0,0,0,25000,0,0,0,0,35000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,.,New equipment,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,20000,1,Safety coordinator,.,2,She worked for church,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Make sure things go smooth ,10,1,A,21,He watches machines/give change,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,1,1,In a restaurant,4,0,1,Chicago,IL,USA,1,.,1,Selling some property,0,5,1,Chicago,IL,USA,2,1,1,Transferred from another agency,0,30,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,"Most of the time I don't have a choice",1,"I used the Blacks from the start, now I use whoever works for me ",Supplier 1,Addison,IL,USA,2,1,1,When they were on 78yh & Halsted ,0,30,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I'm not able to attend",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Just a few friends,A,22,N,1,.,.,.,.,About getting started,A lounge,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Not having a larger place,2,*,1,"Make more space for washers and dyers, add a new pop machine",1,.,Because they are not doing so well--it would help them. ,*,To become an artist,"I don't know",31200,41600,2,1,.,********************,.,.,50,2,0,.,400,2,2300,2,0,.,1000,4,0,.,0,.,0,.,3000,1,0,.,21,2,0,.,0,.,200,1,300,1,0,.,0,.,0,.,*,7271,.,1,Charity 1,100,Charity 2,100,Charity 3,200,.,.,*,.,200000,0,0,20000,20,200000,54,600,6,20000,20,0,0,0,0,********************,240600,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,Fire/liability ,450000,2300,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,7,40,2,2,, 237,9,3,97,11,30,1,1,.,Arkansas,1,2,********************,********************,2,*,A,2,2,.,Arkansas,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Arkansas,.,********************,55,1,Dolton,.,16,1,2,*,52,He worked for Santa Fe Railroad as a laborer ,1,1,******************************,2,2,4,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Worked for Post Office,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,81,1,*,"I started small--it wasn't an Ace, it was just Mike's Hardware ",I called in for the franchise and became owner,1,0,I was next door-this was a church I bought the building and converted it to a hardware ,"Everything household, supplies, paint, electrical, plumbing & key service",1,*,2,*,0,62000,2000,40000,0,*,0,*,0,*,104000,1,45000,0,50000,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,35000,3000,0,0,0,133000,.,.,*,.,*,Lender 1,It was the best I could do. ,Oak Brook,IL,USA,2,1,2,.,14,*,1,7,0,1,Building,70000,25000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,"Because it's in the neighborhood",1,1,.,Chicago.,IL,USA,17000,Yes,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"The neighborhood--not knowing it (my business) was here. It took 2 yrs. to realize it was in N'hood.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,2,.,2,Salary/wages,.,6,Salary,.,6,Wages,.,6,Wages,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,60,1,A,2,Secretary,20,1,B,6,Inventory/purchasing,30,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,1,2,2,1,Other hardware,"Because the have background experience therefore you don't have to train as long. ",0,2,0,.,.,Better paying jobs,2,*,.,*,1,Buffalo Grove,IL,USA,2,1,1,"He was doing business for another store owner down the streetcame in, gave me his card.",0,9,1,Chicago,IL,USA,1,.,1,N,0,14,1,Dolton,IL,USA,2,1,1,N,0,6,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,"I don't choose race --whoever can do a good job and work for me.",1,"I don't need them--I have all I need.",Supplier 1,Downers Grove,IL,USA,2,1,1,Called them up,0,8,1,0,30 days,5,30,0,"Cut credit, pay late fee",2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Sales man,0,8,1,0,10 day time period,6,10,0,Pay late fee/cancel credit,2,.,*,.,.,.,*,Supplier 3,.,.,USA,2,1,1,Presented myself to them,0,14,1,0,30 days time period,7,30,0,Pay late f,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,1,Different companies who want to sell their products try to help you and in return you sell their goods. ,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Don't need to",Professional business owners,A,1,Ace,2,1,.,.,.,Opening my hardware,Phone,Mr. Carter,1,True Value.,2,1,.,.,.,Expanding the business,He came to me,C,1,Business owner,2,1,Chicago,IL,USA,Expanding the business,His place,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,2,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,I have a credit statement they fill out and I check their credit,Only after a credit report is done adn they are not a risk,0,1,0,1,1,1,1,1,2,2,1,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,1,.,"It's one of the things I want to keep going and I want a family member to maintain it. ",*,Move to warmer climate,In Florida,226000,.,1,1,.,********************,.,.,5200,1,0,.,14000,1,9000,1,0,.,3000,2,60000,1,1400,1,0,.,2800,1,300,1,1400,1,8400,1,2800,1,280,1,2400,1,0,.,0,.,0,.,*,110980,1,1,Charity 1,200,Charity 2,.,Charity 3,.,11000,.,Put it back into the business,100000,850000,700000,80,30000,8,0,0,3400,2,70000,10,0,0,0,0,********************,803400,3400,3400,100,0,0,0,0,0,3400,1,Bank 1,Dolton,IL,USA,Bank 2,River Oaks,IL,USA,Bank 3,Orlando,FL,USA,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,1,1,Business,850000,8000,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,1,0,2,2,, 240,12,22,97,3,0,2,2,46,Mississippi,1,2,********************,********************,2,*,A,2,1,44,ILL,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,43,1,West Chatham,.,8,1,2,*,60,He worked in shipping and receiving at a warehouse.,1,1,******************************,4,3,6,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,LPN,20,1,0,2,*,Business,4,97,2,*,*,*,2,0,I was looking in the mall & the rent was so high--I asked someone if they knew of a good place.,We sell exquisite things new and used.,1,*,2,*,1500,500,0,0,0,*,0,*,0,*,2000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,2000,0,0,0,0,0,0,0,0,2000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I knew I would be refused so I didn't go to them.",Finances,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't need to.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I just don't--maybe if I were in another type of business or my business was larger, I would belong to an association of business people. ",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,God,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,1,Secure more stock and advertise.,1,.,"Because I'm a part of them and they are a part of me--they benefit from it.",*,None at this time.,DK,.,.,1,2,2,********************,1,.,200,2,700,2,40,2,0,.,20,2,0,.,0,.,0,.,0,.,0,.,20,2,55,2,25,2,0,.,250,1,0,.,0,.,0,.,0,.,*,3785,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,N,.,60,0,60,0,40,0,0,0,0,0,0,0,0,0,0,********************,100,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,3,55,2,2,, 243,6,27,97,1,10,2,1,75,Arkansas,1,2,********************,********************,2,*,A,2,2,72,Texas,2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,61,1,Chatham,44,30,1,1,Subcontractor in the State of Maryland,50,Maintenance--he was lever puller in a cotton compressor,1,1,******************************,1,3,9,********************,4,1,1,1,Prior Business 1,Food & liquor,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,1,"State of Maryland, Internal Revenue Agent (IRA) doing taxes.",1,-3,Chicago,IL,USA,1,Tax auditor,0,10,0,2,*,Business,5,91,2,*,*,*,2,0,The building was owned by my mother,Accounting & taxes,1,*,2,*,800,4000,0,1000,5000,Working capital,0,*,0,*,10800,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,18000,0,0,0,0,18000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not need it,Getting new clients,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"To interview, get data and prepare solutions ",40,1,A,5,Key punch operator/office manager,30,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,.,.,*,*,.,*,Supplier 1,Palatine,IL,USA,2,.,1,Thru advertising,0,6,1,130,Month to month,1,30,0,Just want you pay,2,.,*,.,.,.,*,Supplier 2,Burbank,CA,USA.,2,.,1,They sent me a letter,0,2,1,0,No terms just amount due,12,30,0,Keep paying interest,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,.,1,Part of IL,0,6,1,58,Month to month,1,.,.,No terms,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,Continuing education plus professional regulations,All--each quarter I take courses,Association 2,Chicago,IL,USA,2,Education for the small businessman,All.,Association 3,********************,**,********************,********************,*,*,.,1,Chatham Chambers of Commerce.,1,Service 1,Chicago,IL,USA,Small business educa,2,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Professionals, accountants, attorneys",A,1,I went to his office as part of my job,1,.,.,.,.,Administrative abilities,In his office,Benjamin Duster,1,Neighbor club,1,.,.,.,.,The problems of the black businessman,At the block club me,C,.,*,.,.,********************,**,********************,*,********************,1,30,5,********************,A,1,Thru network,1,.,Chicago,IL,USA,The fact he has worked in this business all these years,Place of business,B,1,Direct mail,1,.,Chicago,IL,USA,Hundred problems,My office,C,1,Referral,1,.,Direct mail,Matteson,IL,USA,Admirability of going into her own business,In her office,2,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,1,Fear--if I had more faith in myself and in the general public to borrow money to expand ,1,To have a marketing budget plus have aggressively more business ,2,.,*,"They don't have the training or background",To find a comfortable environment and relax,Mexico,480000,400000,2,1,.,********************,.,.,0,.,0,.,50,2,100,2,130,2,1500,2,2000,2,30,2,0,.,150,2,150,2,70,2,50,2,0,.,0,.,50,2,0,.,150,2,0,.,*,4430,2,2,Charity 1,.,Charity 2,.,Charity 3,.,6000,.,Put it back into the business 90%,400000,200000,0,0,160000,80,0,0,20000,10,20000,10,0,0,0,0,********************,200000,300,300,100,0,0,0,0,*,300,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,500000,300,1,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,2,57,2,3,, 249,7,12,97,2,3,2,2,33,"Chicago, IL",1,2,********************,********************,2,*,A,5,2,15,"Chicago, IL",2,********************,********************,8,*,B,5,2,5,"Chicago, IL",2,********************,********************,8,*,C,5,2,2,"Chicago, IL",2,********************,********************,8,*,D,2,1,33,"Chicago, IL",2,********************,********************,1,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,97,.,Jeffery Manor,.,15,1,1,"I'm a hair stylist for J. C. Penny",50,We did not grow up with a father in our home-my mother was divorced. ,.,.,******************************,2,1,11,Give half to mother,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,2,Chicago.,IL,USA,1,Hairdresser,0,3,0,1,How to increase my skills in hair styling and dealing with people.,Business,6,93,5,My mother bought it for me.,*,*,2,0,I lived in the neighborhood at the time,"Hair care, nail care, foot care--it's a full service line",1,*,2,*,1200,7000,0,0,1200,"Flyer, cards, promotion",0,*,0,*,9400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,9400,9400,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't think I would get it",Hiring stylists,2,*,1,1,Partner 1,3,*,1,.,.,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,100,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Stylist at J. C. Penny,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are not interested in my business,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,3,4,********************,1,1,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Schools,That assures me that they are going to have a license,0,0,0,1,0,Wanted to work in a safer neighborhood,1,Hair salon,1,I provided them with business (clients) in order to open a shop,1,Chicago,IL,USA,1,.,1,We have been using her for years-DK,0,4,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,1,Chicago,IL,USA,1,.,1,He was servicing the business before,0,4,1,Chicago,IL,USA,2,1,1,This company was here when I got here,0,4,1,1,I like to support black businesses,*,.,*,Supplier 1,Atlanta,GA,USA,1,.,1,Hair show,0,12,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Detroit,MI,USA,1,.,1,Hair show.,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,New York,NY,USA,2,1,1,Hair show,0,4,1,0,Month to month,.,.,.,.,2,.,*,.,.,.,*,1,1,Most of them are particularly for black haircare ,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I did not know about them,1,"Black Business Association, Minority Women Assn., Black Minority Assn. ",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,I never had to,Relatives and friends,A,1,Pastor from brother in law,1,.,Chicago,IL,USA,I want him to bless my business,Church,Glenella,3,N,1,.,Chicago.,IL,USA.,Where I was going to open and when.,At her home.,C,14,N,1,.,Chicago,IL,USA,Where I was going to open and when,At his home,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,5,Everyday people,98,0,0,2,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,"If it's a person who has been coming to me for awhile",That they pay me the next time they come in or when they have it,0,0,0,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,"We're going to buy a building and the money we are spending here we will put it in here and then the space will be larger",1,.,Just to keep it going so we will always have a family business ,*,I still want to be hair stylist--do seminars,In Chicago,50000,50000,1,2,2,********************,1,.,100,2,600,2,300,2,0,.,330,2,100,2,0,.,0,.,0,.,0,.,0,.,0,.,13,2,0,.,12,2,50,2,0,.,0,.,0,.,*,1505,2,1,Charity 1,120,Charity 2,10,Charity 3,0,.,.,*,.,.,1000,.,8000,.,0,.,1000,.,5000,.,0,.,0,.,********************,15000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Did not have any employees,"We pray--that's it",2,2,2,2,2,2,2,1,2,1,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,1,2,2,2,*,1,1,"Fire, Theft, Flood",8000,57,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,3,30,2,3,, 250,5,11,98,9,30,1,1,78,Arkansas,1,2,********************,********************,2,*,A,2,2,67,Arkansas,2,********************,********************,4,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,52,1,Maple Park,.,10,1,2,*,40,Farmer,1,1,******************************,1,4,5,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,-2,Chicago,IL,USA,1,Lab tech,0,8,.,2,*,Business,.,57,1,*,I bought it from my brother,From my brother,2,0,"It was not a choice, it was here already","It's a grocery--meat, can goods, etc.",1,*,2,*,75,0,0,0,7000,.,0,*,0,*,7075,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,7075,0,0,0,0,7075,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not need one,"Everything--I didn't know nothing about it",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Lab tech,.,2,She worked also,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,40,2,A,2,Operate the cash register,16,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Neighbor,.,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Advertisment,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No reason,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one--I did not know I was going to buy it.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,2,*,2,*,2,*,3,3,*,*,"I don't know",Somewhere very warm.,.,.,1,2,2,********************,2,1,2000,2,200,2,300,2,0,.,150,2,0,.,.,.,0,.,0,.,0,.,25,2,75,2,0,.,0,.,10,2,50,2,0,.,0,.,0,.,*,2810,2,2,Charity 1,.,Charity 2,.,Charity 3,.,12000,.,Put some back into business and some in the bank.,.,65000,25000,38,25000,38,0,0,0,0,15000,24,0,0,0,0,********************,65000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,10,15,1,2,, 268,9,6,97,9,30,1,1,34,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,34,"Chicago, IL",2,********************,********************,7,*,B,5,2,13,Germany,2,********************,********************,8,*,C,5,2,10,"Chicago, IL",2,********************,********************,8,*,D,5,2,8,Georgia,2,********************,********************,8,*,E,6,1,4,"Chicago, IL",2,********************,********************,8,*,F,5,2,3,"Chicago, IL",2,********************,********************,8,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,13,1,*,USA,8,Baptist,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,24,1,Chatham.,44,4,1,2,*,60,Steel mill,1,1,******************************,5,2,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Military 11 yrs/USPS 3 yrs,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,11,95,1,*,Bought it from former owner ,Word of mouth,2,0,Location was here--bought it form someone ,Dry cleaning service,2,Used to do shoe repairs,2,*,0,12000,0,3000,0,*,0,*,0,*,15000,1,7000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,8000,0,0,0,0,15000,.,.,*,.,*,Lender 1,Bank is good source,Naperville,IL,USA,2,1,2,.,10,*,1,5,0,1,House,55000,7000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,(Poor) reputation of old owner. Advertisement cost,1,Some of the folks I dealt with--telephone customers had to re-imbursed--some equipment had to be scaled down ,1,1,Partner 1,22,Knew already,1,.,50,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,1000,1,Post Office job only,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,60,2,A,2,Presser/clean,10,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,1,1,2,2,2,*,Sometimes you get better responses--personal contact easier,7,0,0,2,0,Lack of work (lay off),1,Clothing store,2,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,.,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Referred,6,1,1,200,30-60 day plan,0,30,0,They add interest of 5%,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,2,1,1,Referred,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,Multi-ethnic,"They have training, garment testing equipment, etc. ",Equipment testing,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,22,Knew a long time,1,.,.,.,.,Advertisment/business aspects/customers relations,This location,Douglas,1,Pastor at church.,1,.,.,.,.,Financial aspects/budgeting,At church,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,Regular customers,"Not set, based on their pay schedule (add to next ticket)",0,1,0,1,1,2,2,2,2,2,2,1,2,2,*,2,2,2,2,1,2,*,1,"Need to finance--if can't get it, can't advertise & expand",1,Cut overhead by purchasing property-expanding into business/corporate clients w/contracts--tailoring contracts for clothing store. Plan to get my own plant to expand thru other businesses.,1,.,"Because I have 5 children, someone should carry on",*,Never will,Will remain in Chicago,45000,9000,1,2,2,********************,1,.,300,2,500,2,400,2,150,2,80,2,700,2,1200,2,25,2,100,2,0,.,75,2,0,.,50,2,0,.,10,2,30,2,0,.,0,.,0,.,*,3620,2,1,Charity 1,3500,Charity 2,.,Charity 3,.,.,.,Pay bills,0,10000,5000,50,5000,50,0,0,0,0,0,0,0,0,0,0,********************,10000,3500,3500,100,0,0,0,0,0,3500,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,1,97,Cash flow,Borrow money or get credit from suppliers ,1,1,1,2,2,2,2,2,2,2,2,1,2,2,*,1,Assister 1,Dolton,IL,USA,1,.,2,Cash loan,.,0,Personal,2,.,.,2,********************,.,2,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,2,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,1,2,2,2,2,2,2,2,1,1,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,10,45,1,3,, 271,8,30,97,2,0,2,1,65,Alabama,1,2,********************,********************,2,*,A,2,2,66,Alabama,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,"Don't know.",.,********************,43,1,Hyde Park,.,12,1,2,*,40,Farmer,1,2,******************************,4,1,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,8,89,1,*,Former business shut down & we bought it,Passing by & noticed the sign,2,0,Location was formerly used for same business ,"Washing cars, buff & was, shampoo",1,*,2,*,0,0,0,0,190000,Mortgage,0,*,0,*,190000,1,0,0,190000,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,190000,.,.,*,.,*,Lender 1,We knew they would approve.,Chicago,IL,USA,2,1,2,.,9,*,1,3,0,1,Home,1100000,190000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Dealing with people without money & getting money to pay bills,1,.,1,1,Partner 1,21,*,1,.,50,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,All aspects,40,2,A,2,Cashier,40,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,5,5,0,0,5,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,2,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,"It's better--you get better people",7,0,0,1,0,"No work, not enough volume",2,*,.,*,1,Chicago.,IL,USA,1,.,1,N,1,9,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,Glendale Hts.,IL,USA,1,.,1,Always knew this place,1,9,1,0,30 days net,0,30,0,Never went over,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,A lot problems go with it,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,People who were in business,A,21,N,1,.,Chicago,IL,USA,Informal issues about business,Here.,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,0,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,1,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Need more volume,2,*,2,*,2,.,*,"I want to sell, take what's left",Just get out,In Chicago,.,.,1,1,.,********************,.,.,.,.,.,.,1800,2,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,1800,2,1,Charity 1,600,Charity 2,.,Charity 3,.,.,.,r,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,1,1,A. L. Christian,.,2300,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,3,********************,.,3,0,2,1,, 274,1,30,98,-3,-3,-3,1,67,"Whiting, IN",1,1,********************,********************,2,*,A,2,2,62,"Ottawa, IL",1,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,8,Christian Scientist,.,*************************,2,1,*,2,*,1,*,.,.,1,*,.,.,********************,********************,97,.,"Hammond, IN",.,45,1,2,*,40,Roller at Wisconsin steel,1,1,******************************,1,2,11,An extended vacation,1,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Munster,IN,USA,2,Carpenter-tradesman,10,10,0,1,"Welding--learned the proper way with the heat/gases, etc.",Business,6,69,1,*,"Bought property separately as there was a $50,000 debt on business--had records changed name to #AAA Welding Supplies No.1",Brother Marshall past away.,2,0,"Part of brother's estate.",Welding supplies for contractors,1,*,2,*,80,5000,280,5000,0,*,0,*,0,*,10360,1,0,0,10000,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,360,0,0,0,0,10360,.,.,*,.,*,Lender 1,Home Equity,Hammond,IN,USA,2,1,2,.,.,.,1,30,0,1,House,13000,10000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Cash flow--welding rods very expensive/all supplies & services were C.O.D.,1,.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"My daughter & son-in-law move to Florida and my son couldn't stand working for me.",.,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,2,1,2,2,2,2,2,2,2,*,Only employee for 12 yrs.,5,0,0,12,0,N/A,1,Limo/livery business,2,*,1,Merriville,IN,USA,1,.,1,Church member,0,30,1,Chicago,IL,USA,1,.,1,Brother Jack,0,11,1,Sherriville,IN,USA,1,.,1,Church,0,40,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,No reason,*,.,*,Supplier 1,Des Moines,IA,USA,.,.,1,Had dealt with Brother Marshall,0,29,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,.,.,1,Call salesman,0,20,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Jackson,MS,USA,.,.,1,Call salesman,0,15,.,.,*,.,.,.,*,2,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,All the programs are in the city--I would have to travel too far--plus I get up too early in the morning.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Former boss at construction company.,A,22,Former boss,1,.,Munster,IN,USA,Taking over business of deceased brother,Job site,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,2,********************,51,49,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,1,My delivery customers,Net 30 days,0,1,0,1,1,1,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Need an outside sales rep,2,*,2,*,1,.,"Would like to see my son-in-law take over--my son & I don't see eye-to-eye on business.",*,Go to Montana,DK,110000,.,2,1,.,********************,.,.,.,.,0,.,100,2,10000,1,20000,1,25000,1,0,.,0,.,0,.,400,1,2000,1,260,2,3600,1,1000,1,250,1,0,.,0,.,0,.,0,.,*,.,1,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,500000,15000,.,0,0,110000,.,12000,.,0,0,0,0,36300,.,********************,500000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Hammond,IN,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,"Collections/payable, tough year for accts.",Dip into savings--almost ran the well dry.,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Used savings,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",145000,10000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,2,, 281,6,25,98,12,0,2,2,46,"Atlantic City, NJ",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,20,6,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,40,1,Hyde Park,.,15,1,1,Stocks,60,"Don't know",.,.,******************************,5,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Medical Director,12,4,0,2,*,Business,.,95,2,*,*,*,2,0,Bought contract--look around first,Medical practice,1,*,2,*,0,60000,24000,15000,0,*,0,*,0,*,99000,1,0,54000,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,45000,0,0,0,0,99000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,.,Trying to get the funds for startup capital,1,Getting the finance for certain equipment,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Physician,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Not interested,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,7,7,0,0,7,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,1,2,2,2,1,2,2,2,2,*,Because of my African heritage--this neighborhood is African American--helps my people,1,0,0,2,0,None,2,*,.,*,1,Chicago,IL,USA,1,.,1,N,0,6,1,Chicago,IL,USA,2,1,1,Ad,0,7,1,Chicago,IL,USA,1,.,1,Use service before,0,25,1,Chicago,IL,USA,2,1,1,Hospital use service,0,3,2,********************,**,**********,.,.,.,*,.,.,3,1,No reason,*,.,*,Supplier 1,Oak Lawn,IL,USA,2,1,1,Advertisement,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,.,.,.,2,1,1,Hospital use service,6,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,.,.,1,.,1,Phone book,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,9,0,St. Joseph Hospital,2,-4,1,.,Chicago,IL,USA,9,0,Creditor 3,.,-4,.,.,********************,**,***,.,.,1,Creditor 1,Hospital stay (admit,Creditor 2,X-ray service,.,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Belong to Medical Association,1,Medical Assoc/IL Healthcare,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Didn't need help",Already had skills and knowledge--just took over contract and maintained it,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,2,4,4,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,1,2,2,2,1,1,2,2,*,2,2,2,2,2,1,HMO dependent,1,"Owe payables--can't get loan because of payables",1,Add another physician and have a payment plan,4,.,*,*,*,*,900000,300000,2,1,.,********************,.,.,0,.,0,.,6000,1,540,1,0,.,288000,1,0,.,0,.,5000,1,170,1,2000,1,6000,1,600,1,115,1,80,1,0,.,0,.,0,.,0,.,*,308505,1,1,Charity 1,1000,Charity 2,1000,Charity 3,0,999999,50000,*,.,250000,25000,10,125000,50,25000,10,25000,10,25000,10,25000,10,0,0,********************,250000,300000,190000,65,110000,35,0,0,.,300000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Cash flow--lost contract plus patients very ill.,Very stressful,2,1,1,2,2,1,1,1,1,2,2,1,1,2,*,1,Assister 1,Chicago,IL,USA,1,.,2,Equipment,.,.,.,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,2,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,Full coverage,90000,540,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,1,10,2,3,, 284,1,15,98,3,35,2,2,52,Mississippi,1,2,********************,********************,2,*,A,6,1,29,"Chicago, IL",2,********************,********************,1,*,B,7,2,60,Mississippi,2,********************,********************,2,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,15,0,*,********************,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,Mississippi,.,********************,48,1,Rosemore,.,27,1,2,*,42,School bus driver,1,1,******************************,2,4,9,********************,2,.,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,92,2,*,*,*,2,0,My sister worked in the area.,Clothing and hair service,1,*,2,*,635,0,4000,5000,365,Ads,0,*,0,*,10000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,5000,5000,0,0,0,0,10000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I really didn't want a loan just opening up.",Getting enough customers,2,*,1,1,Partner 1,7,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,We work together--equal time for both.,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,My sister & I can do very well by ourselves.,2,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,22,N,8,8,1,Chicago,IL,USA,1,.,22,n,8,8,2,********************,**,**********,.,.,.,*,**,.,1,.,.,.,1,.,1,From Son,1,4,2,********************,**,**********,.,.,.,*,.,.,1,1,Just happen that way.,*,.,*,Supplier 1,Skokie,IL,USA,2,1,1,Another supplier,8,8,1,0,30 days credit,0,30,0,Cash shipment or C.O.D.,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,2,1,1,In New York,6,2,1,0,30 days,0,30,0,C.O.D. ONLY,2,.,*,.,.,.,*,Supplier 3,St. Louis,.,USA,1,.,1,At a show,4,3,1,0,30-90 days,0,30,3,C.O.D. ONL,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Business start up,Business plan,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Harris Bank--small loan,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,I have a business assc.,Relative,A,7,N,1,.,Chicago,IL,USA,What kind of business,At home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,2,*,2,*,3,3,*,*,"I'm not going to.",Chicago,65000,82000,2,1,.,********************,.,.,4000,2,635,2,175,2,300,3,40,2,0,.,500,4,0,.,0,.,0,.,0,.,100,2,75,1,0,.,125,1,0,.,0,.,0,.,0,.,*,6450,2,2,Charity 1,.,Charity 2,.,Charity 3,.,30000,.,"More inventory, paid off loans, increased stock",45000,17500,25000,25,25000,25,50000,50,0,0,.,.,.,.,0,0,********************,100000,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,.,Business was slow,Made a loan with my brother,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Took out loan from brother.,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability",190000,442,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,5,45,2,3,, 290,1,21,98,-3,-3,-3,2,60,"Chicago, IL",1,2,********************,********************,5,*,A,2,1,60,"Bloomington, IL",2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,8,Baptist/Catholic,.,*************************,2,8,None,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,Chatham,.,40,1,2,*,30,Grocery clerk/manager,1,1,******************************,4,2,9,********************,5,1,1,1,Prior Business 1,Teacher supplies,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Primary school teacher,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,75,2,*,*,*,2,0,Knew the owner.,Rental--commercial/residential apts.,1,*,1,African-American,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,Know people at bank,Chicago,IL,USA,2,1,2,.,.,.,.,.,.,1,Building,.,.,2,.,Lender 2,Refinance for better interest rate,Chicago,IL,USA,1,.,2,.,.,.,.,.,.,1,Building,.,.,2,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,DK,1,.,.,Chicago,IL,USA,.,Loan officer laughed at our proposal,Non Lender 2,DK,1,.,.,.,.,USA,.,Not much help,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Getting the capital--being a woman in 1975.,1,Banks not wanting to deal with a woman.,1,1,Partner 1,1,Thru a family member,2,1,30,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,70,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Chgo Public school teacher,.,2,Chgo Public school teacher,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No need for them to.,30,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Referred by friend,0,10,1,Chicago,IL,USA,2,.,1,Known for years,0,25,1,Matteson,IL,USA,1,.,1,Recommended by friend,0,20,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,I use the best--no race preference.,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Use to be active w/Chatham Business Association--now disenchanted.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one--I read lot of books.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,3,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,1,Like to expand beauty shop area--,2,2,2,2,2,2,*,1,"I haven't tried right now.",2,*,3,3,*,*,Keep busy--maybe go into something new.,No thought,.,.,.,1,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,0,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,R,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,1,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",.,2000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,.,.,.,1,, 293,11,19,97,1,15,2,1,77,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,12,0,*,********************,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,USA,.,********************,55,1,Chatham,.,33,1,2,*,40,He was butcher--he cut meat at a store.,1,1,******************************,1,4,4,********************,2,1,1,1,Prior Business 1,Hair cutting,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,82,2,*,*,*,2,0,Because I live in the area.,Sell newspapers/magazines,1,*,2,*,0,0,0,0,700,Build,0,*,0,*,700,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,700,0,0,0,0,700,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need to--it's only a paper stand.",None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't need to.",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Local,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Local,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,He found me,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,"I'm already retired--could not have a paper stand for my kids to run.",Fishing and hunting,.,1500,.,1,1,.,********************,.,.,0,.,0,.,0,.,0,.,0,.,0,.,1500,1,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,1500,1,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,R,.,.,0,0,400,100,0,0,0,0,0,0,0,0,0,0,********************,400,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,1,1,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,2,15,2,3,, 295,7,15,97,2,15,2,2,44,"Chicago, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,13,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,44,1,Auburn,.,17,1,2,*,95,Mover--moving other furniture,1,3,******************************,5,1,9,********************,5,1,1,1,Prior Business 1,Cooked & raw fish,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Bus driver,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,2,97,2,*,*,*,2,0,A friend told me about it.,Haircare,1,*,2,*,800,20000,0,1000,0,*,0,*,0,*,21800,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,13000,0,8800,0,0,0,0,21800,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't want that bill over my head.",Obtaining competent help,1,Finances--too much red tape and too many questions and paperwork.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are busy with their own careers.,95,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Knew her from high school,5,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,1,.,.,.,2,5,1,Referred,5,0,2,********************,**,**********,.,.,.,*,.,.,3,1,.,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,They are located across the street,5,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No reason,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,12,5,********************,A,22,Met in a store,1,.,Refused,.,.,New shop for her beauty school,Fashion show or go out,B,22,***********,1,.,Refused,.,.,New school,Fashion show or go out,C,22,Met at a fashion show,1,.,Met thru another friend,Refused,.,.,Business in general,Fashion show or go out,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,Length of relationship and patronage,Under emergency only,0,0,0,2,2,2,2,2,2,1,2,2,2,2,*,2,1,1,2,2,2,*,1,"Money may not be available & I don't know of a loan I can get.",1,"I'm planning to open a school",1,.,I want to leave a legacy and I want to be well known and I want my niece to take over.,*,My past jobs should provide for my retirement,Probably here in Chicago.,.,.,2,2,2,********************,1,.,200,2,800,2,700,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,50,2,75,2,0,.,275,2,240,2,0,.,0,.,0,.,*,2300,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,65000,.,5,.,95,0,0,0,0,0,0,0,0,0,0,********************,.,2500,0,0,0,0,.,100,Rent/Utilities,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,1,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,4,25,2,2,, 297,7,15,97,1,15,2,2,57,"Tallulah, LA",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,13,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,38,1,West Chesterfield,.,15,1,2,*,70,Auto mechanic--repairing cars,1,1,******************************,1,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,7,2,Chicago,IL,USA,1,Manager,4,14,0,2,*,Business,4,94,2,*,*,*,2,0,"Location given to me by my brother, who owns the building","Lottery machine, candy, chips, cookies and juice",1,*,2,*,400,0,0,1000,0,*,0,*,0,*,1400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1400,0,0,0,0,1400,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need any",None,2,*,1,1,Partner 1,8,*,1,.,50,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Serving customers,70,1,A,8,Takes over in my absence,1,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Thru family,6,2,2,********************,**,**********,.,.,.,*,.,.,1,Oak Brook,IL,USA,2,1,1,He already insured building,6,2,2,********************,**,**********,.,.,.,*,.,.,1,Riverdale,IL,USA,2,1,1,Always used them,6,2,2,.,*,Because this is their route,1,No reason for not usind them. They were already in this building.,Supplier 1,Chicago,IL,USA,1,.,1,From the lounge next door,6,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,From the lounge next door,6,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Dallas,TX,USA,1,.,1,From the lounge next door,6,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't have the time",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives and othe business owners,A,8,N,1,.,Chicago,IL,USA,Could I get along w/kids & what it would be like,Lounge or store,Eurscille,22,N,1,.,Chicago,IL,USA,She offered to help any way she could,Home or church,C,14,N,1,.,Chicago,IL,USA,Offered to loan me money,Home or store,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,2,3,0,0,********************,0,0,0,0,********************,0,0,0,5,Arabs,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,1,2,2,*,2,2,2,2,2,2,*,2,*,1,"Offer many different things, like pantyhose and sun glasses",1,.,"I'd like to keep it in the family",*,I have not gotten that far yet.,Here in Chicago.,22000,.,2,2,1,8,1,.,600,2,400,2,150,2,700,1,90,2,0,.,600,2,0,.,0,.,0,.,39,2,0,.,0,.,0,.,125,1,0,.,0,.,200,3,0,.,*,2655,2,2,Charity 1,.,Charity 2,.,Charity 3,.,600,.,Purchase more stock,0,20000,20000,100,0,0,0,0,0,0,0,0,0,0,0,0,********************,20000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,2,.,.,-4,.,.,.,-4,1,.,700,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,3,25,2,2,, 299,9,12,97,2,30,2,1,32,Chicago,1,2,********************,********************,2,*,A,2,2,33,Chicago,2,********************,********************,1,*,B,6,1,7,Chicago,2,********************,********************,8,*,C,6,1,11,Chicago,2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,3,*,USA,1,*,1,*************************,2,8,Unknown,.,*,1,*,.,.,1,*,.,21,30,.,32,1,South Shore,.,11,1,1,Bar manager at restaurant,90,"Partner in Hubbard's Construction Co.-in the field working.",1,2,******************************,1,1,11,Education for 2 sons,1,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago,IL,USA,1,Construction laborer,0,13,0,3,*,Business,8,97,1,*,I walked in and talked to the owner--they advertised.,He advertised for 1 wk in paper.,2,0,It was already here.,"Deli, charbroiled and fried foods",2,Fried fish and chicken,2,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,It was too complicated,Overcoming previous business reputation.,1,"There's a tremendous amount of paperwork. It's embarrassing if you don't have A-1 credit.",1,1,Partner 1,8,*,1,.,52,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,48,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,48,1,C does cooking and E does the paperwork.,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Bartender,.,2,Director of childcare facility,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Paperwork,60,1,A,8,Cooking,100,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,1,2,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,I just hired who was available,1,0,0,.,.,Have not had any to leave.,2,*,.,*,1,Chicago,IL,USA,1,.,22,N,1,0,1,Chicago,IL,USA,1,.,22,n,0,10,1,Dolton,IL,USA,1,.,22,n,0,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,I try to stay in the neighborhood--they are closet geographically.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Word of mouth,1,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Word of mouth,1,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,.,.,.,.,.,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I haven't had a chance yet.",1,SBA and the Restuarant Association,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"They don't give much information",My employer,A,1,Work for him,2,1,Chicago,IL,USA,"Amount of time, risk",At work,D,1,Work for him,2,1,Chicago,IL,USA,How to get started,At work,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,0,0,0,0,********************,0,0,0,1,.,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Marketing,1,2,2,2,2,1,Location,1,We would like to open a cafe or sit-in place.,1,Lot of marketing on streets and radio,1,.,"I want to retire when I'm 45.",*,Just to relax and paint and travel.,South Shore and Mexico.,.,.,.,2,2,********************,1,.,.,.,1000,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,3,********************,.,10,6,1,1,, 302,3,11,98,10,30,1,1,53,Africa,2,6,Indian,********************,2,*,A,2,2,51,Africa,6,Indian,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,0,*,********************,5,*,.,*************************,1,.,*,.,*,2,Indian,1,2,1,*,56,********************,********************,********************,32,1,Hyde Park,.,18,1,2,*,60,Banker,1,1,******************************,4,3,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,2,Chicago,IL,USA,1,Manager,3,5,0,1,How to run a business,Business,.,87,2,*,*,*,2,0,I like the Chatham community--very well organized and friendly community.,We sell plumbing supplies and other hardware items.,1,*,2,*,5000,0,0,15000,0,*,0,*,0,*,20000,1,15000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,5000,0,0,0,0,20000,.,.,*,.,*,Lender 1,In neighborhood--they had a minority loan program.,Chicago,IL,USA,1,.,2,.,12,*,1,2,0,2,********************,.,15000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,1,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,60,.,A,2,Purchase,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Mount Prospect,IL,USA,2,1,1,Friend,0,12,1,Chicago,IL,USA,1,.,1,Friend,0,14,1,.,.,.,1,.,1,.,0,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Well known company,0,2,1,5000,180 days to 12 months,.,0,6,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Well known company,0,5,1,15000,180 days to 12 months,.,0,6,.,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Former employer,A,1,N,1,.,Chicago,IL,USA,Getting started,His store,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,1,Know by regular custom building owners/contractors,Partners decide that,0,2,0,2,2,2,2,2,2,2,1,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,52000,52000,1,2,2,********************,1,.,1000,2,6000,2,2000,2,1000,2,100,.,0,.,12000,.,0,.,0,.,0,.,17,2,32,2,42,2,25,2,17,2,83,2,0,.,0,.,0,.,*,22316,2,2,Charity 1,.,Charity 2,.,Charity 3,.,10000,.,Put back into business,7800,30000,30000,100,0,0,0,0,0,0,0,0,0,0,0,0,********************,30000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,1,"Fire, liability",330000,1000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,15,1,2,, 303,9,5,97,7,15,2,2,51,Africa,2,2,********************,********************,2,*,A,2,1,50,Africa,2,********************,********************,2,*,B,22,1,50,21,2,********************,********************,2,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,1,*,1,*************************,2,8,Sanctified/Pentacostal,.,*,1,*,.,.,1,*,75,********************,********************,********************,22,1,Hyde Park,.,19,1,2,*,60,He was a retailer of general merchandise.,1,2,******************************,4,4,9,********************,1,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,91,2,*,*,*,2,0,"It was vacant plus it's busy around here and no business like mine.",Women clothing and accessories.,1,*,1,African-American,1100,500,0,5000,0,*,0,*,0,*,6600,1,0,0,0,0,*,1100,0,0,0,0,********************,0,2,0,0,0,0,5500,0,0,0,0,6600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,.,Building sales and building inventory,1,"No financing, little money.",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,10000,1,Owner,.,2,Job,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,I work by myself.,45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Waukegan,IL,USA,1,.,1,Referral,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,DK,DK,None,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Small Business Administration,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"It's too difficult to get loans.",Friends and associates,A,2,N,1,.,Chicago,IL,USA,How to get customers,At home,E,22,Church,2,2,Atlanta,GA,USA,How to advertise,Church,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,5,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,1,How well I know them,Post dated checks--pay on next pay day.,0,0,0,2,2,1,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,1,No one wants to finance small business.,1,Increase sales and choose a type of merchandise that will make the customer buy.,1,.,"Because it's my family and household--they come next in line.",*,"I don't know yet, to early to think about.","Don't know",.,.,2,2,2,********************,2,1,400,2,550,2,85,2,0,.,180,2,0,.,0,.,0,.,55,2,0,.,0,.,0,.,0,.,35,2,0,.,0,.,0,.,0,.,0,.,*,1305,2,1,Charity 1,.,Charity 2,.,Charity 3,.,999999,.,Re-invested in the business,0,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,8,46,2,1,, 304,6,13,98,2,30,2,2,39,Mississippi,1,2,********************,********************,2,*,A,6,1,22,IL,2,********************,********************,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,12,1,Washington Park,.,3,1,2,*,40,He was CTA bus driver,1,1,******************************,2,2,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Hair stylist,0,3,0,3,*,Business,.,92,2,*,*,*,2,0,"I've always wanted to be on 79th --it was a nice area and the activity was going on","We do hair --it's a beauty salon where we also do nails and feet",1,*,2,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I used my own money,Getting workers to come to 79th Street,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have other jobs,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,3,0,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,1,2,2,2,*,.,.,.,.,.,.,*,2,1,2,2,2,2,1,2,2,2,2,*,"If you're available then it will catch your attention",1,0,0,3,0,None have left,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,.,1,.,1,Friend,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,They supply other salons,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,God,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,2,1,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,They do other things--they would not know how to run the business,"Don't have any",Vegas,.,.,1,2,2,********************,1,.,500,2,.,.,400,2,.,.,100,2,.,.,.,.,0,.,0,.,0,.,20,2,80,2,50,2,0,.,10,2,100,2,0,.,0,.,0,.,*,1260,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Refused,.,.,.,25,.,75,0,0,0,0,0,0,0,0,0,0,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,.,*,.,.,-4,1,.,.,-1,1,.,.,-1,1,.,.,-1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,3,30,2,2,, 305,9,4,97,3,1,2,2,60,"Shreveport, LA",1,2,********************,********************,2,*,A,5,2,36,"Chicago, IL",2,********************,********************,1,*,B,11,2,7,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,55,1,South Shore,.,11,1,1,Pension,27,Owner of a service station,1,2,******************************,2,4,4,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Retired,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,10,95,1,*,Another agency went out of business,Through a friend of mine,2,0,It was already set up here.,Travel,1,*,2,*,1725,3000,0,0,300,Ticket stock,0,*,0,*,5025,1,20000,0,0,0,*,0,0,4000,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,24000,.,.,*,.,*,Lender 1,One of the partners suggested it ,Chicago,IL,USA,1,.,2,.,0,It is just a letter of credit,2,.,.,2,********************,.,20000,1,3,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,22,1,.,Chicago,IL,USA,Co-Signer 2,22,1,.,Chicago,IL,USA,Co-Signer 3,22,1,.,Glenwood,IL,USA,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Trying to get ARC approval--Airline Reporting Co.,2,*,1,3,Partner 1,22,Through other travel business,1,.,25,1,Partner 2,22,Through other travel business,1,.,25,1,Partner 3,22,Through other travel business,1,.,25,1,Partner 4,22,Through the travel business,.,.,.,.,25,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,25,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,2,.,5,Job,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They already have jobs.,27,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Word of mouth,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,.,N,*,.,*,Supplier 1,Washington,DC,USA,2,1,1,Only one exist,0,2,1,0,Pay weekly,0,0,0,Close business,2,.,*,.,.,.,*,Supplier 2,Culver City,CA,USA,2,1,1,Catalogue,0,2,1,0,Pay when billed,0,0,0,None,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,.,.,.,"Don't know",Discount cards,Discount cards,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relied upon each other (partners/friends),A,22,School together,1,.,Chicago,IL,USA,Travel,On the phone,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,4,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,1,2,2,2,2,2,2,1,2,2,*,2,2,2,2,2,2,*,1,Because there is no profit made as of yet.,2,*,2,.,*,"She's not interested","I'm already retired",Chicago,.,.,2,2,2,********************,1,.,.,.,575,2,.,.,.,.,.,.,.,.,.,.,.,.,800,2,.,.,.,.,350,2,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,1725,2,1,Charity 1,50,Charity 2,.,Charity 3,.,0,.,None made,0,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,4,30,2,1,, 306,9,4,97,4,52,2,1,50,"Chicago, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,18,3,*,USA.,1,*,1,*************************,2,8,None,.,*,1,*,.,.,1,*,.,Africa,.,********************,97,.,Chatham,44,20,1,1,Marketing,70,Never knew him,.,.,******************************,5,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Regional Dist. Mgr.,0,1,0,1,Photography,Business,1,71,2,*,*,*,2,0,By amount of traffic,Photos,1,*,2,*,400,3000,0,.,.,*,.,*,0,*,3400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3400,0,0,0,0,3400,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Just because they were banks,1,1,.,Chicago.,IL,USA,5000,No collateral,Non Lender 2,Just because they were banks,1,2,1,Chicago,IL,USA,5000,No collateral,Non Lender 3,Just because they were banks,1,1,.,Chicago,IL,USA,5000,No collateral,.,Paying rent & telephone,1,Income for overhead,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have other careers,72,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,They solicited me,0,2,2,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Advertising,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Advertising,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Advertising,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,.,Chicago,IL,USA,10,0,Office Depot,2,-4,2,.,Chicago,IL,USA,10,0,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Don't have time",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other photographers,A,1,Met on the street,1,.,Chicago,IL,USA,The business of photgraphy,At his studio,Norman,1,Co-worker,1,.,.,.,.,Photography,At work,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,0,********************,0,0,0,0,********************,0,0,0,5,Other races.,5,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Cut rate photographers,1,No collateral,1,Invest money,1,.,"It will be in the will & it's an on going business",*,None,Will not retire,25000,.,1,2,2,********************,1,.,800,2,500,2,200,2,0,.,100,2,0,.,0,.,0,.,50,2,0,.,75,2,100,2,0,.,0,.,0,.,50,2,0,.,0,.,0,.,*,1875,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,0,0,30000,0,0,30000,100,0,0,0,0,0,0,0,0,0,0,********************,30000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago.,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Never happens,1,.,*,.,.,-4,1,20000,1200,1,1,10000,1200,1,1,.,1200,1,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,5,49,2,2,, 313,7,16,98,11,25,1,2,58,St Louis,1,2,********************,********************,2,*,A,2,1,65,Mississippi,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,8,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,35,1,South Holland,.,9,1,1,Stocks,60,"Don't know",.,.,******************************,1,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Community work--missionary work for church--non-profit for her.,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,83,1,*,Belonged to her church,Work for church,2,0,"Church own the whole block--as a member of that church, I asked to buy store and pastor agreed","Wedding accessories, party hats/balloons, etc. Other products include--soap, hair products, etc.",1,*,2,*,400,8000,500,12000,200,Electric,150,Water,14750,Wedding accessories,36000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,36000,0,0,0,0,0,0,0,0,36000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Needed money for start-up capital,1,1,.,Chicago,IL,USA,20000,No collateral,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Janitor for school,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,.,.,.,A,6,Stock/sales clerk,36,1,B,8,Manager,36,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Knew him before,0,30,1,Chicago,IL,USA,2,1,1,Walk-in/advertise,5,0,1,Chicago,IL,USA,1,.,1,Reputation,0,12,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Met most of services through the church --neighborhood is Black (not racist),*,.,*,Supplier 1,New York,NY,USA,1,.,1,Ad,0,6,1,2000,Pay in 2 months or allow more time,0,60,0,No terms,2,.,*,.,.,.,*,Supplier 2,.,PA,USA,2,1,1,AD,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Des Plaines,IL,USA,2,1,1,Ad,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,Mixed,Literature for business vendors,Supplies of contact,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,22,A,1,Member of church,1,.,Chicago,IL,USA,Inspire to go into business,Home/church,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,1,5,********************,A,1,Business associate,1,.,Chicago,IL,USA,How to bring shopping into community coop,.,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Competition,2,*,2,*,4,.,*,*,*,*,25000,20000,1,1,.,********************,.,.,50000,1,0,.,6000,1,2040,1,3000,1,48000,1,36000,1,0,.,0,.,20000,1,250,1,3600,1,600,1,0,.,150,1,400,1,0,.,0,.,0,.,*,170040,1,1,Charity 1,1000,Charity 2,1000,Charity 3,1000,999999,20000,*,50000,600000,150000,32,200000,33,250000,35,0,0,0,0,0,0,0,0,********************,600000,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Competition moved in across street--sales dropped.,Just go on --no problem less money,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,1,2,1,1,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",300000,600,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,3,, 314,9,4,97,10,0,1,1,50,"Chicago, IL",1,1,********************,********************,2,*,A,6,1,20,"Oaklawn, IL",1,********************,********************,8,*,B,6,1,19,"Oaklawn, IL",1,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,15,1,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Ireland,MA,.,97,.,Homer Township,.,19,1,2,*,50,Ticket agent for the railroad--selling tickets,1,1,******************************,5,2,8,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,514 E. 79th St.,IL,USA.,1,Manager,16,16,0,1,"I had to learn dry cleaning, sorting, pressing, customer relations and business management part.",Business,1,94,1,*,I had a personal loan to take over the business,"I knew my father-in-law was retiring, so I approached him to buy it from him. ",2,0,It was chosen by father-in-law,Dry cleaning and laundry shirts,1,*,2,*,2750,75000,30000,15000,0,*,0,*,0,*,122750,1,30000,0,75000,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,17750,0,0,0,0,122750,.,.,*,.,*,Lender 1,Offered best interest rate,Columbus,OH,USA,.,.,2,.,8,*,1,15,0,1,House,150000,75000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"I really had no problems, it was a smooth transition--one day I'm manager the next day I'm owner",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They're college students",50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,16,13,3,0,16,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,1,2,2,*,1,.,2,2,2,2,2,1,2,2,2,*,"It seems to work best, I've tried ads in the paper and it didn't seem to bring people in ",0,1,0,15,0,Most have been students and they go on to finish college or to a career,2,*,.,*,1,Orland Park,IL,USA,1,.,1,Accountant for father-in-law 18 yrs,0,3,1,Palos Park,IL,USA,1,.,1,Since I bought my 1st house,0,3,1,Park Ridge,IL,USA,1,.,1,Referral,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Mainly because they were the people that knew this business before I took it over and made it a smooth transition ,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,There are only about 4 or 5 members,0,3,1,450,No terms,0,0,0,Never exceeded,2,.,*,.,.,.,*,Supplier 2,Hammond,IN,USA,1,.,1,Member,0,3,1,1100,60 days if needed,0,0,0,Never exceeded,2,.,*,.,.,.,*,Supplier 3,Elk Grove Village,IL,USA,1,.,1,Member,0,3,1,500,60 days if needed,0,0,0,Over 60 da,2,.,*,.,.,.,*,1,1,Because that really all there is,1,Creditor 1,2,-4,1,.,Columbus,OH,USA,3,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Joliet,IL,USA,"Don't know","Information on fabrics and new laws, EPA standards, etc. ","Fabric information, laws",Association 2,Lansing,IL,USA,1,"Information on fabrics and new laws, EPA standard","Fabric information, laws",Association 3,Chicago,IL,USA,2,"Don't really know",None,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other dry cleaners,A,1,Father-in-law,1,.,Lockport,IL,USA,Mainly customer relations,At his home,Ralph,1,Member of South Suburban,1,.,Chicago,IL,USA,Technical info about machines,South Suburban meeti,C,1,Member of South Suburban,1,.,.,MS,USA,Sorting modes for cleaning,South Suburban meetn,1,3,5,********************,A,1,South Suburban member,1,.,Lansing,IL,USA,Government issue affecting dry clearners ,At the meetings,B,1,***********,1,.,South Holland,IL,USA,Government issues affecting dry cleaners,At the meetings,C,1,South Suburban member,1,.,South Suburban member,Chicago,IL,USA,Government issues affecting dry cleaners,At the meetings,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,Customers that I have known thru the years,"Not more than 30 days because they're usually back in within that time frame ",0,0,0,1,2,2,2,2,2,2,2,1,2,2,*,2,1,1,2,2,2,*,2,*,2,*,2,.,*,"Mainly because of the EPA so they don't have to deal with that.","I really haven't thought about it, probably for the next 10-15 yrs. ",Probably to Michigan,500000,450000,1,2,1,Father-in-law,1,.,3000,2,2750,2,2000,2,1500,2,0,.,28000,2,3200,2,300,2,0,.,0,.,100,2,300,2,50,2,225,2,42,2,300,2,1000,2,2800,2,0,.,*,46867,2,1,Charity 1,4000,Charity 2,500,Charity 3,5000,.,.,*,.,.,30000,20,100000,80,0,0,0,0,0,0,0,0,0,0,********************,130000,100000,15000,15,65000,65,20000,20,.,100000,1,Bank 1,New Lennox,IL,.,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability, Medical",550000,6000,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,12,0,2,3,, 315,9,12,97,5,5,2,2,25,"Chicago, IL",1,2,********************,********************,2,*,A,5,2,3,"Chicago, IL",2,********************,********************,9,Pre-school,B,3,2,50,Alabama,2,********************,********************,2,*,C,4,1,51,Alabama,2,********************,********************,2,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,Lynwood,.,7,1,2,*,66,Steel worker,1,1,******************************,1,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,1,2,2,*,22,2,Chicago,IL,USA,1,Telemarketing,0,3,0,2,*,Business,6,86,1,*,Mom purchased business,.,2,1,Mom drove past and saw the for sale sign,Take care of children--day care,1,*,2,*,3500,9000,5000,0,0,*,0,*,0,*,17500,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,25000,0,0,2000,0,0,0,0,0,27000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Because of my credit--wasn't all that good--better now but not when we first started out ",The health department,2,*,1,4,Partner 1,3,*,1,.,20,1,Partner 2,4,*,1,.,20,1,Partner 3,8,8,1,.,20,1,Partner 4,7,*,1,.,20,1,20,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,20,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,2,.,3,DK,.,4,DK,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Teacher,.,.,A,7,Teacher,40,2,B,3,Exec. Admin.,66,2,C,4,Maintenance,40,2,2,.,Relative,.,*,1,2,2,********************,1,12,5,7,0,12,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,1,2,2,2,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,2,2,2,2,*,No,3,0,0,.,.,2 people who changed their line of work,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referred,0,6,1,Chicago,IL,USA,.,.,1,Referred,.,.,1,Rockford,IL,USA,2,1,1,Referred,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,By phone,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"My mom read books about it--she really didn't talk to anyone about it.",A,3,N,1,.,Chicago,IL,USA,The business,At home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,50,50,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,1,2,2,2,2,2,2,2,*,2,2,2,1,2,2,*,2,*,1,Fund raisers,1,.,Keeping it in the family,*,"I don't have any--haven't thought that far yet.","In Chicago, IL",.,.,.,2,2,********************,2,1,2000,2,500,2,1000,2,1000,2,0,.,.,.,.,.,0,.,0,.,.,.,500,2,800,2,0,.,.,.,13,2,0,.,0,.,0,.,0,.,*,5813,2,1,Charity 1,35,Charity 2,.,Charity 3,.,90000,.,Put back into business,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Calumet City,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,"We were dealing with DCFS and the checks weren't coming like they were suppose to and money wasn't in our hands to run a business",It gives us a headache,2,2,2,2,2,2,2,2,2,2,2,1,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,DK,.,.,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,6,15,2,2,, 316,1,28,98,10,0,1,1,75,Tennessee,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,9,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,55,1,Chatham,.,34,1,2,*,50,Farmer,1,1,******************************,1,4,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Waitress,0,15,0,1,How to run a business--management and all the basics.,Business,.,56,2,*,*,*,2,0,The rent was cheaper,"We serve breakfast, lunch and dinner (food service)",1,*,2,*,45,3000,24,800,0,*,0,*,0,*,3869,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3869,0,0,0,0,3869,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,It was hard for Blacks to get money.,Help,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,It was in the neighborhood/Blk owned bank,Chicago,IL,USA,1,.,1,A new furnance,3000,1,*,.,*,2,.,.,2,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have their own careers,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,14,10,4,0,14,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,"It's better for me.",3,0,0,.,.,They just quit--no reason.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Patron,0,42,1,Chicago,IL,USA,1,.,22,n,0,20,1,Chicago,IL,USA,1,.,22,n,0,42,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"Because I know a lot of Black professionals--look at the picture's on my wall, I know them all.",*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Just decided to shop there,0,15,1,0,30 days,0,30,0,1,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Just decided to shop there,0,20,1,0,30 days,0,30,0,1,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,1,"It's better for me.",2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Don't have time.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,75,25,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,3,3,*,*,"I'm still deciding.",DK,.,.,1,1,.,********************,.,.,600,2,0,.,300,2,75,2,40,2,700,2,.,.,0,.,0,.,.,.,25,2,125,2,500,1,0,.,125,1,100,2,0,.,0,.,0,.,*,2690,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Put it in the bank,.,150000,25000,.,25000,.,100000,.,0,0,0,0,0,0,0,0,********************,150000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability",300000,425,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,10,50,1,2,, 319,1,29,98,11,15,1,2,43,Central America,2,2,********************,********************,2,*,A,2,1,42,Central America,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,2,*************************,2,8,Non-Sectarian,.,*,1,*,.,.,1,*,72,********************,********************,********************,25,1,New City,.,13,1,2,*,40,He was a shipworker,1,1,******************************,2,4,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Salesperson,0,4,6,1,How to sell my products.,Business,9,96,2,*,*,*,2,0,The price and location,We sell incense candles and oils,1,*,2,*,1150,2500,0,12000,0,*,0,*,0,*,15650,1,0,0,0,0,*,0,0,0,0,0,********************,5000,2,0,0,0,6000,4650,0,0,0,0,15650,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,You never get a favorable response.,Trying to get the information out to the people--advertising.,2,*,1,3,Partner 1,22,He is my pastor at church,1,.,50,1,Partner 2,22,N,1,.,25,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,25,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,DK,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,22,N,0,3,1,Chicago,IL,USA,1,.,22,n,0,3,1,.,.,USA,1,.,22,n,6,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,We just do.,*,.,*,Supplier 1,Chicago,IL,USA,2,5,1,Yellow pages,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Yellow pages,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Yellow pages,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,3,N,1,.,Chicago,IL,USA,Getting the finances and location,At her home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,1,"We want to add different products--books, gospel tapes and carry more items in the same line of the product we sell now.",1,.,"Because I'd like for them to ouwn their own business and not have to work for anyone else.",*,None at this time.,In a much warmer climate.,3900,.,1,2,2,********************,1,.,250,2,375,2,200,2,55,2,60,2,0,.,.,.,0,.,0,.,0,.,20,2,80,2,25,2,300,1,125,1,0,.,0,.,0,.,0,.,*,1490,2,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,.,No profits,.,25000,20000,95,5000,5,0,0,0,0,0,0,0,0,0,0,********************,25000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Crete,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",50000,55,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,0,2,.,, 323,6,15,98,3,10,2,2,56,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,35,1,Austin,.,5,1,2,*,72,Farmer,1,1,******************************,2,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Factory,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,7,97,2,*,*,*,2,0,A beautician friend in the area showed me the place,Fast foods--hot lunches/dinners,1,*,2,*,400,9000,1000,1500,150,Electricity,80,Phone,60,Gas,12190,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,12190,0,0,0,0,12190,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Didn't need help",None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Have an account there,Evergreen Park,IL,USA,2,1,1,Needed finance,10000,1,*,10,*,1,2,0,2,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Hair stylist,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,.,.,.,A,16,Janitor,10,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,1,1,2,2,*,"Easier, more convenient",3,0,0,1,0,None,2,*,.,*,1,Chicago,IL,USA,1,.,1,Family use before,0,5,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Ad on television,0,1,1,Chicago,IL,USA,1,.,16,*,0,3,2,********************,**,**********,.,.,.,*,.,.,1,1,Black own business cater to Blacks,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Shopped at Produce before,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Harvey,IL,USA,1,.,1,Shopped around,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Don't know any",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relative,A,3,*,1,.,.,.,.,What dishes best satisfy customers,Her house/my house,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,2,4,********************,A,22,N,1,.,Chicago,IL,USA,Expanding business/finances,Restaurant/phone,B,1,***********,1,.,Chicago,IL,USA,Different menus,Lounges/home phone,C,.,*,.,.,Use to work together,********************,**,********************,*,*,1,********************,90,6,4,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,1,2,2,*,2,2,1,2,2,2,*,2,*,1,Try different dishes (menus),4,.,*,*,*,*,.,.,2,2,2,********************,2,1,30000,1,4800,1,7200,1,1700,1,0,.,72000,1,0,.,0,.,0,.,0,.,0,.,2400,1,400,1,60,1,150,1,500,1,0,.,0,.,0,.,*,119210,1,1,Charity 1,500,Charity 2,.,Charity 3,.,.,.,.,.,30000,11000,42,9000,28,0,0,0,0,10000,30,0,0,0,0,********************,30000,1000,0,0,500,50,500,50,Utilities,1000,1,Bank 1,Evergreen Park,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,50000,1700,1,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,15,2,3,, 326,1,17,98,12,0,2,2,32,"Chicago, IL",1,2,********************,********************,2,*,A,5,2,9,"Chicago, IL",2,********************,********************,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,14,1,*,USA,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,21,.,********************,97,.,South Chicago,.,4,1,2,*,70,Mechanic,1,1,******************************,5,1,8,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,2,Chicago,IL,USA,1,Manager,8,7,0,1,"Payroll, taxes and inventory--how to work with the customer, what to stock & what not to stock.",Business,5,97,2,*,*,*,2,.,79th Street is very busy street--I grew up in the area.,"Tapes, videos, CD's, pops and games.",1,*,2,*,525,2000,0,3000,175,Pop,300,Candy,4000,Bank acct.,10000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,10000,0,0,0,10000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Saw an ad for small loans,1,1,.,Chicago,IL,USA,25000,"My credit wasn't strong enough.",Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Building the business.,1,Money--I need money.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,10000,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"It's best that way.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,7,*,0,1,2,********************,**,**********,.,.,.,*,.,.,1,.,.,.,1,.,1,Yellow pages,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Yellow pages,0,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,From my old job.,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Houston,TX,USA,1,.,1,My old job,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,1,0,Citibank,2,-4,2,1,Chicago,IL,USA,1,0,Creditor 3,2,-4,1,.,Chicago,IL,USA,1,0,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,5,Hispanic,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,1,Lack of capital,1,Special events,1,.,It would be very good,*,No plans,.,.,.,2,2,2,********************,1,.,800,2,525,2,50,2,220,3,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,300,1,0,.,125,1,0,.,0,.,0,.,400,2,Pop,2420,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,.,0,1997,7800,75,2000,2,0,0,10000,23,0,0,0,0,0,0,********************,.,20000,0,0,0,50,0,50,Inv,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,.,Slow from Aug. to Dec.,Game room--I get a profit.,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Game room,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,2,1,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability",100000,300,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,1,33,2,3,, 329,8,27,97,2,9,2,2,23,"Ivory Coast, Africa",2,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,1,*,Africa,5,*,.,*************************,1,.,*,.,*,2,French,2,1,2,French,85,********************,********************,********************,4,1,Chatham,44,2,1,2,*,56,A farmer--raising livestock,1,2,******************************,1,3,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,2,Washington,DC,USA,2,Hairstylist,0,2,0,1,Perfection(ism). I could do the job faster and be friendly to customers.,Business,11,94,2,*,*,*,2,0,It was in a good location,Just hair braiding,1,*,1,Black-African ,625,6000,0,0,0,*,0,*,0,*,6625,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,6625,0,0,0,0,6625,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because I did not have good credit,"It was slow, no customers",1,My rent and my telephone,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,.,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Braiding,56,1,A,21,Braiding,30,1,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,.,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Passing by,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I'm too small (business)",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"I don't remeber who they were",A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,Have more advertisement,1,.,Because I may have something else better to do,*,"Don't know--it's so far in advance",Stay here in USA,25000,30000,2,2,2,********************,1,.,600,2,650,2,74,2,0,.,80,2,1000,2,1200,2,0,.,0,.,0,.,0,.,350,2,500,2,0,.,10,2,0,.,0,.,0,.,0,.,*,3852,2,2,Charity 1,.,Charity 2,.,Charity 3,.,25000,.,.,30000,9500,6500,.,0,0,0,0,0,0,3000,.,0,0,0,0,********************,9500,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,I was sort of short on customers,I start passing out flyers/letters,2,2,2,2,2,2,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,3,40,2,1,, 334,8,26,97,4,30,2,2,.,Arkansas,1,2,********************,********************,2,*,A,2,1,65,"Chicago, IL",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,Chatham,.,20,1,2,*,30,Janitorial,1,1,******************************,2,3,4,********************,4,1,1,1,Prior Business 1,Low priced items--,Chicago,IL,USA,4,Wanted a change,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Retired,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,11,95,3,*,*,*,.,.,*,*,.,*,.,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,*,.,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Sales,20,2,A,2,Sales,20,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Just never did,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Family,A,8,N,1,.,Chicago,IL,USA,The store,This location,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,1,2,2,2,2,2,2,1,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,The business does not make money like before so no reason to pass it on.,Just close the doors.,Chicago,.,.,1,2,2,********************,2,1,0,.,535,2,25,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,25,2,0,.,0,.,6,2,0,.,0,.,0,.,0,.,*,591,2,1,Charity 1,125,Charity 2,.,Charity 3,.,.,.,"Net Loss, Business just stopped. Used money to pay bills,",.,3000,3000,100,0,0,0,0,0,0,0,0,0,0,0,0,********************,3000,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,3,********************,.,5,20,2,1,, 341,7,8,97,4,20,2,1,41,"Chicago, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,********************,********************,********************,97,.,Glendale Heights,.,97,.,2,*,60,Laundry company driver,1,1,******************************,4,1,9,********************,2,1,1,2,Prior Business 1,Service TV,Chicago,IL,USA,4,Burned down,Prior Business 2,Music,Chicago,IL,USA,3,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,3,Carrol Springs,IL,USA,1,Technician,0,8,0,2,*,Business,9,96,2,*,*,*,2,0,"Surveyed area and wasn't any in area, saw need for TV repair","Tapes and CD's and repair TV's, VCR's and stereo equipment",1,*,2,*,3000,0,0,5000,0,*,0,*,0,*,8000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,8000,0,0,0,0,8000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Figured they would turn it down no collateral,"Financial barriers. How to get on ground. Anniv. sale in Sept held. People want something for nothing. ""What's wrong with TV?"" ""$20 to check""""NO"" ",1,Getting lump sum of money together,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Because he only has one daughter and she is in college and all other relatives work.,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Honest employees by referral,Need honest workers to handle shop in my absence,7,0,0,2,0,"The girl thought he was being to harsh on her, so she quit",2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Knew already,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,referred,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"What would be purpose, this is small business",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives,A,1,Stepfather,1,.,Chicago,IL,USA,What service could provide how money could be generated,Phone,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,1,2,2,2,2,2,2,1,2,2,*,1,2,2,2,2,2,*,1,"Have to get capital now, its only through business. Don't know if could get loan",1,"Lower prices on certain items more apt to buy tape and CD's. Can't lower service of TV",1,.,If she was interested,*,Use mutual funds to move,"Don't think would be in Chicago. ""Open"" Jamaica",60000,.,2,2,2,********************,2,1,1000,2,750,2,200,2,15,2,0,.,400,2,0,.,0,.,0,.,0,.,35,2,35,2,65,2,0,.,10,2,0,.,0,.,60,2,0,.,*,2530,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,reinvested and saved,0,50000,20000,40,15000,30,0,0,0,0,10000,20,0,0,5000,10,Accounts Receivable,50000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Glandale,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,2,2,2,2,2,2,1,2,2,*,1,2,*,.,.,-4,2,.,.,-4,1,50000,95,2,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,5,30,2,3,, 342,7,29,97,5,0,2,1,67,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,59,"St. Louis, MO",2,********************,********************,2,*,B,6,1,14,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,21,29,.,97,.,Chatham,.,18,1,1,Social Security,30,Unknown,.,.,******************************,5,2,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,1,Chicago,IL,USA,1,Mgr/Designer,8,4,0,1,"Negotiations, management",Business,9,86,2,*,*,*,2,1,Proximity to related business,Full service florist,1,*,2,*,300,100,0,1200,0,*,0,*,0,*,1600,1,0,0,0,0,*,100,100,300,1000,0,********************,0,2,0,0,0,0,100,0,0,0,0,1600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Poor credit,Financial,1,"I had a dream and a plan but not the finances, so we survived on credit from wholesalers and friendly landlord.",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Working relationship,Chicago,IL,USA,1,.,1,Renovation/debts,2000,1,*,8,*,1,3,0,1,Van,17000,1,1,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,R,6,1,.,Hinsdale,IL,USA,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Manager,.,6,Stock person,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,President,30,2,A,6,V. President/operations,48,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,8,5,3,0,8,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,1,2,2,2,1,2,2,2,*,"It creates a family atmosphere, applicants seem more reliable.",14,0,0,2,0,"Moving from city, better pay at another job.",1,Florist,1,Gave advice and some supplies,1,Chicago,IL,USA,1,.,1,Recommended,0,2,1,Chicago,IL,USA,2,1,1,Associate,0,1,1,Chicago,IL,USA,1,.,22,Friend,0,6,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,I come into contact with more Black professionals than White.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Previous experience,0,7,1,2000,None,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Previous experience,0,11,1,8000,None,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Previous experience,0,11,1,0,None,0,0,0,.,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,Paragould,AR,USA,9,0,Bank of Lawndale,2,-4,2,1,Chicago,IL,USA,7,3,Creditor 3,2,-4,1,.,Chicago,IL,USA,3,7,1,Creditor 1,Wire service,Creditor 2,Mortgage holder,Mahogany,Printer,1,Association 1,Paragould,AR,USA,1,"Wire service, credit card, line of credit",All,Association 2,.,NY,USA,1,Wire service--franchise,Wire service,Association 3,Miami,FL,USA,1,Wire service,Wire service,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Friends in related businesses, wholesalers, owners, funeral directors and my spouse.",A,22,N,1,.,Chicago,IL,USA,The area and feasibility,His office,W,2,N,1,.,Chicago,IL,USA,Feasibility and desire,Home,C,1,Business associate,2,1,Chicago,IL,USA,Credit,Phone,1,2,2,********************,A,22,N,1,.,Chicago,IL,USA,Employee problems,My office,B,22,***********,1,.,Chicago,IL,USA,Employee problems,His office,C,.,*,.,.,22,********************,**,********************,*,*,1,********************,70,29,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,3,1,Credit reports and recommendations,60 days,0,2,0,1,2,1,2,2,1,1,2,2,2,2,*,2,1,2,2,1,2,*,2,*,1,"Expanding delivery area, new website, corporate promotions",1,.,I built this business for my family,*,Play golf and I will always be associated with the business.,Chicago,478000,525000,1,1,.,********************,.,.,20000,2,2000,2,1000,2,2000,2,500,2,20000,2,4000,2,200,2,0,.,500,2,500,2,750,2,500,2,1000,2,1000,2,1000,2,1000,2,800,2,0,.,*,51850,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,.,0,175000,25000,14,25000,14,100000,57,15000,9,0,0,0,0,10000,6,Wire Service Income,175000,125000,50000,40,75000,60,0,0,.,125000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,2,2,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, Auto, liability",500000,1000,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,6,30,2,3,, 346,3,11,98,3,0,2,1,59,Korea,2,6,Korean,********************,2,*,A,2,2,58,Korea,6,Korean,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,4,*,15,2,*,.,*************************,1,.,*,.,*,2,Korean,2,2,3,Korean,85,********************,********************,********************,3,1,Edgebrook,.,3,1,2,*,78,He owned a restuarant,1,3,******************************,4,3,9,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,3,Chicago,IL,USA,1,Manager,2,1,0,1,Management,Business,.,96,2,*,*,*,2,0,Rent is cheaper then the northside.,"It's a take-out or eat-in restaurant.",1,*,2,*,1000,40000,.,2000,0,*,0,*,0,*,43000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,43000,0,0,0,0,43000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Owner is Korean,1,1,.,Chicago,IL,USA,70000,.,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Building a clientel,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Working,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are in school,78,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,4,2,2,0,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,1,2,2,2,*,"It's easy",1,0,0,.,.,Find another job.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Business associate,0,3,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Referral,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,.,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My wife,A,2,N,1,.,Chicago,IL,USA,Moving here to open the business,In Korea,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,5,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,1,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,2,.,*,I want them to do what they go to school for.,DK,DK,.,.,1,2,2,********************,2,1,1500,2,1300,2,400,2,125,2,50,2,1500,2,0,.,0,.,0,.,0,.,0,.,50,2,0,.,0,.,33,2,200,2,0,.,0,.,0,.,*,5158,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,40000,10000,30,30000,70,0,0,0,0,0,0,0,0,0,0,********************,40000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,4,0,2,2,, 351,9,20,97,10,30,1,2,40,"Chicago, IL",1,2,********************,********************,1,*,A,6,2,8,"Chicago, IL",2,********************,********************,8,*,B,6,2,19,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,14,2,*,USA,1,*,1,*************************,2,8,Pentacostal,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,.,.,97,.,1,Accts payable supervisor-northside--oversee 300 acct & supervise 11 people.,48,Laborer at a factory--fork lift driver.,1,1,******************************,4,3,9,********************,3,.,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Accts. payable Supervisor,11,18,0,1,Computer skills,Business,12,94,2,*,*,*,2,0,Shopping the area.,"Books/tapes, church supplies.",1,*,1,African-American,1100,1000,500,3000,1000,Utilities,0,*,0,*,6600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,6600,0,0,0,0,6600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,The business is small--it would take a lot of time to pay back loans.,"Lack of sales, cash flow problems.",2,*,1,1,Partner 1,1,Work together,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Full time job,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,8,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,1,1,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Church members,Type of people we want in the store.,4,0,0,3,0,None have left.,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,.,IA,USA,2,1,1,Word of mouth,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,.,OH,USA,2,1,1,Word of mouth,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Elgin,IL,USA,2,1,1,Word of mouth,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Most of them require fees and they cannot afford it.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Pastors, co-workers, distributors",A,1,Pastor,1,.,Chicago,IL,USA,Ideas about business/investments and needs of churches.,Church,W,1,Partners,1,.,Chicago,IL,USA,Ideas about business/investments and needs of churches,Church,C,22,N,1,.,.,OK,USA,Different books to get for store,Phone,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,2,1,Lack marketing,1,"We would need financing to expand and we don't have the profits",1,Marketing and more distribution,1,.,To keep family owned,*,Go full time into this business.,Chicago,7000,.,2,2,2,********************,.,.,300,2,450,2,30,2,0,.,0,.,903,2,0,.,0,.,0,.,0,.,20,2,25,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,1728,2,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,.,.,.,.,2000,87,300,13,0,0,0,0,0,0,0,0,0,0,********************,2300,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Expenses were too high--moved from location at 8202 Stony Island,Just moved to cheaper location.,2,2,2,2,2,1,2,2,2,2,2,2,2,1,Moved location,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,11,45,1,.,, 352,9,15,97,2,45,2,1,60,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,97,.,61st Winchester,.,8,1,2,*,50,Ford Motor Co.--assembly line,1,1,******************************,5,1,3,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,Chicago,IL,USA,1,Foreman,6,3,.,1,"I learned to run various machines, how to deal with public--how to treat customers.",Business,.,79,2,*,*,*,2,0,Friend told me about this place,Printing services,1,*,2,*,350,6000,0,200,0,*,0,*,0,*,6550,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,6550,0,0,0,0,6550,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Had previously asked IL Federal Bank before getting started for a loan and they told me to use my own money first--,To drum up business--advertising,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,6500,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Printer,50,2,A,2,Typesetting,20,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Customer,.,15,1,Chicago,IL,USA,1,.,1,In school together,.,15,1,Chicago,IL,USA,1,.,1,Customer,N,4,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"I think it's the right thing to do.",*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Yellow pages,.,12,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Limited on time--,1,"SBA, Chatham Business Assoc., Harris Bank",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Still investigating possibilities--looking into it.,None--just knew what I wanted to do.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,5,4,********************,A,1,Customer,1,.,Chicago,IL,USA,"Business in general--how to talk to customers, finances",My place or his place,B,1,***********,1,.,Chicago,IL,USA,"How to talk to customers, finances",My place or his place,C,.,*,.,.,Customer,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,1,You have to keep equipment current to be able to compete.,1,To buy a sign machine to offer a full range of services and also a thermograph,1,.,Younger ideas and to keep it in the family.,*,"I don't plan to retire--if you sit down and do nothing, you waste away.",Here in the city.,38000,36000,1,2,2,********************,2,3,500,2,700,2,250,2,200,2,150,2,0,.,0,.,0,.,0,.,0,.,250,2,150,2,120,2,0,.,11,2,100,2,0,.,0,.,0,.,*,2430,2,2,Charity 1,.,Charity 2,.,Charity 3,.,41000,.,Re-invested in business,.,100000,25000,25,75000,75,0,0,0,0,0,0,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Business was slow,Put on sales and advertise.,2,2,2,2,2,2,2,1,2,2,1,1,1,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,1,2,2,2,1,1,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,4,0,2,2,, 353,5,9,98,1,39,2,1,67,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,45,1,Kenwood,.,20,1,2,*,48,City employee--sanitation truck driver,1,1,******************************,5,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Auto filler/product placement,0,5,6,2,*,Business,.,86,2,*,*,*,2,0,Circumstances,Mechanical services/advice,2,Gasoline,2,*,550,1000,0,0,200,Water,34,Phone,200,Electricity,1984,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1984,0,0,0,0,1984,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,To stay out of debt,Acquiring operating capital,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Auto repairs/advice,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't like this kind of business",48,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,2,1,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,1,Easy accessible,.,.,.,.,.,.,*,2,1,1,2,2,2,2,1,2,2,2,*,"Easier, save time and money.",1,0,0,11,.,"One died, the others either retired or went on to other jobs.",2,*,.,*,1,Chicago,IL,USA,1,.,1,Reputation,.,10,1,Chicago,IL,USA,1,.,1,Reputation,.,3,1,.,WI,USA,2,1,1,They found him,N,15,1,Chicago,IL,USA,1,.,1,Walk-in for job,.,5,2,********************,**,**********,.,.,.,*,.,.,1,2,The neighborhood is predominantly Black--not racist and service is accessible.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Reputation,10,11,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Hawthorne,NY,USA,7,.,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Never awaken to the fact--it is not necessary to use these associations.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,1,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,5,6,Twice a year,A,1,Worked together,1,.,Chicago,IL,USA,Comparing notes of business,Restaurant/on the phone,B,1,N,2,1,Chicago,IL,USA,Problems of the business,On phone/office,C,1,Reputation,2,.,Search around for business,Chicago,IL,USA,Finance,Auto shop/on phone,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,1,2,2,1,2,2,1,Intermittent growth,2,2,1,2,2,1,Riverboats,1,Hard to come by capital,1,Add-on to the existing business and a do-it-yourself carwash service,4,.,*,*,*,*,60000,50000,2,1,.,********************,.,.,0,.,0,.,150,2,0,.,0,.,800,2,0,.,1800,2,0,.,500,2,500,2,100,2,300,2,125,2,38,2,0,.,0,.,0,.,0,.,*,4313,2,1,Charity 1,50,Charity 2,.,Charity 3,.,20000,.,Put in bank,40000,170000,0,0,40000,18,125000,80,0,0,5000,2,0,0,0,0,********************,170000,5000,2500,50,2500,50,0,0,.,5000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,Declining sales,"Didn't spend much money",2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,2,34,2,3,, 354,7,22,97,1,25,2,2,62,"Chicago, IL",1,2,********************,********************,2,*,A,2,1,63,"Chicago, IL",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,5,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,42,1,2,*,60,Laborer--International Harvest,1,1,******************************,4,2,8,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,-3,-3,Chicago,IL,USA,1,Service Rep,15,14,.,1,Management & supervisor skills,Business,1,72,1,*,Started with partner,.,2,0,Needed in heavily populated area with children,Daycare,1,*,2,*,600,3000,0,1000,0,*,0,*,0,*,4600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,4600,0,0,0,0,4600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not need it,Getting a license from the city and state. You had to meet certain codes.,2,*,1,1,Partner 1,1,Friend--work together,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,5000,1,.,.,2,Teletype Corp,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They do other things,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,4,4,********************,1,8,7,1,0,8,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,1,2,2,2,2,2,2,2,1,2,*,They came with training,14,0,0,10,.,More money elsewhere,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,.,14,1,Chicago,IL,USA,1,.,1,Referral,.,16,1,Chicago,IL,USA,2,1,1,Went shopping,N,5,1,Chicago,IL,USA,1,.,1,Walkin,.,10,2,********************,**,**********,.,.,.,*,.,.,1,1,Ready and available in area,*,.,*,Supplier 1,Willmette,IL,USA,1,.,1,Advertisement,.,15,1,0,30 days net,0,30,.,DK,2,.,*,.,.,.,*,Supplier 2,Evergreen,IL,USA,1,.,1,Broker,.,6,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,1,They are in the neighborhood,1,Creditor 1,2,-4,2,1,Calumet Park,IL,USA,8,.,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,Info-current policy and government issues,Info,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Partner, husband, relatives, friends",A,1,Co-worker,1,.,Chicago,IL,USA,Type of business--how to get started,Each others homes,J,2,N,1,.,Chicago,IL,USA,Type of business-finances,Home,C,.,*,.,.,********************,**,********************,*,********************,1,25,5,********************,A,1,Through membership,1,.,Chicago,IL,USA,Business issues,Assoc. office,B,1,***********,2,1,Des Plaines,IL,USA,Business issues,Assoc. office,C,1,Through membership,2,.,Through membership,Chicago,IL,USA,Business issues,Assoc. office,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,1,2,2,*,2,*,2,*,1,.,Would like it to stay in the family.,*,Travel and do volunteer work,In home I now live in.,100000,90000,1,2,2,********************,1,.,500,2,1800,2,200,2,150,2,0,.,3000,2,4500,2,30,2,0,.,0,.,50,2,100,2,0,.,42,2,8,2,100,2,300,2,600,2,.,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,30000,.,Re-invested in business,25000,150000,.,20,.,60,0,0,0,0,.,20,0,0,0,0,********************,.,3000,3000,100,0,0,0,0,.,3000,1,Bank 1,Calumet City,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Personal Injury, fire, theft",100000,1800,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,3,.,********************,.,.,.,.,.,, 356,1,17,98,10,30,1,1,59,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Hyde Park,.,35,1,2,*,40,Laborer,1,1,******************************,1,4,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Chemical operator,0,21,.,2,*,Business,.,94,1,*,I just bought it,Through a relative,2,0,Already here,Laundromat,1,*,2,*,645,0,0,0,0,*,0,*,0,*,645,1,645,0,0,0,*,0,0,0,0,0,********************,0,0,0,0,0,0,0,0,0,0,0,645,1,1,*,1,*,Lender 1,"Didn't have the cash",Homewood,IL,USA,2,1,2,.,.,"Don't remember",1,5,.,2,********************,.,.,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"Gangs, drug dealers",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They just don't--they have other jobs",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Friend,.,10,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Former owner,A,1,Through family member,1,.,Chicago,IL,USA,How much money he made,Here,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,"That's just the way I want it--to keep it in the family.",*,Well I am retired and these were my plans,Here,.,.,1,2,2,********************,1,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,.,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Refused,.,.,0,0,.,100,0,0,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Homewood,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",150000,.,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,11,15,1,2,, 357,12,22,97,5,0,2,1,68,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,6,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,51,1,Westside,.,58,1,1,Cottage Inn Motel & The Hobbie House Motel,16,Farmer--sharecropper.,1,1,******************************,1,3,5,********************,3,2,1,2,Prior Business 1,Motel-Lodging,Chicago,IL,USA,3,*,Prior Business 2,Motel-Lodging,Chicago,IL,USA,3,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,76,1,*,I bought the business,Word of mouth,2,0,I was already here,"It's a motel and lounge that provide for parties, birthdays and it's also a banquet hall.",1,*,2,*,0,0,2500,3000,100000,Bought the building,0,*,0,*,105500,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,105500,0,0,0,0,0,105500,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Because I didn't want to pay the interest and would end up paying more.",I had to get rid of the bar crowd--the younger crowd and gangs.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,16,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,10,5,5,0,10,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,1,2,2,2,2,1,2,2,2,*,"It's easy",3,0,0,.,.,For better jobs I guess.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Through another accountant,0,9,1,Chicago,IL,USA,1,.,1,Former attornery,0,15,1,Tinley Park,IL,USA,2,1,1,Another agent,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Because they need all the business they can get.,*,.,*,Supplier 1,Chicago,IL,USA,2,.,1,I use them for my other businesses,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,A couple of friends,A,22,He owned a gas station in the area.,1,.,.,.,.,Owning our own business.,At my place,B,22,"He's real estate broker",1,.,Chicago,IL,USA,Real estate,His office,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,2,2,*,2,*,2,*,1,.,"What else would I do? It's only right.",*,.,"Chicago/Ducant, MS",100000,95000,1,1,.,********************,.,.,2500,2,0,.,5000,1,30000,1,60,2,25000,1,0,.,0,.,0,.,38000,1,75,2,7500,2,0,.,0,.,350,1,250,2,0,.,0,.,0,.,*,96810,2,1,Charity 1,500,Charity 2,500,Charity 3,.,999999,20000,*,.,300000,.,5,.,20,.,75,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago,IL,USA,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability",900000,3000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,6,0,2,2,, 358,10,17,97,-3,-3,-3,2,66,Mississippi,1,2,********************,********************,2,*,A,2,1,70,Arkansas,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,47,1,Richton Park,.,1,1,2,*,50,Farmer--raised cotton/corn,2,.,******************************,1,2,8,********************,3,1,1,.,Prior Business 1,Hair styling/nails,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,6,91,1,*,Husband was retired and wanted something to do.,Came in for a sandwich and bought.,2,0,Already established,Cooked fish,1,*,2,*,575,12000,0,800,200,Gas,150,Light,60,Phone/Adv.,.,.,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,14800,0,0,0,0,.,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not want extra bills,Gas bills,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have in the past but not now.,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Church,No particular reason,3,0,0,4,.,Problems at home,2,*,.,*,1,Matteson,IL,USA,1,.,1,N,.,7,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,N,N,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,.,*,.,*,Supplier 1,Chicago,IL,USA,2,.,1,Previous owner,.,6,2,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,.,1,Previous owner,.,6,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,.,.,.,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Chatham Bus. Assoc.,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,No time,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,1,2,*,2,1,2,2,2,2,*,1,"I don't have the money",2,*,1,.,Keep in the family,*,Travel,Here in Chicago,20000,.,1,2,2,********************,2,3,2150,2,700,2,660,2,50,2,400,2,1204,2,860,2,0,.,0,.,0,.,0,.,45,2,60,2,0,.,25,2,0,.,0,.,0,.,0,.,*,6154,2,2,Charity 1,.,Charity 2,.,Charity 3,.,2000,.,Re-invested into business,0,30000,900,.,14000,.,0,0,0,0,400,.,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Flood/pipes,Not open for 5 months,2,2,2,2,2,2,1,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, Life",200000,675,3,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,.,.,.,.,, 363,1,24,98,12,0,2,1,30,IL,1,2,********************,********************,2,*,A,2,2,22,IL,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Matteson,.,2,1,1,Entertainment,40,He worked for Amtrak.,1,1,******************************,4,2,4,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,12,97,2,*,*,*,2,0,79th is a good area--good transportation and very busy.,"Beauty salon, nail salon.",1,*,2,*,1600,4000,0,1000,0,*,0,*,0,*,6500,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,6500,0,0,0,0,6500,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Just didn't want to",The electric company and gas company.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Working,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Not their profession,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,22,N,6,0,1,Chicago,IL,USA,1,.,1,Family,1,0,1,Dolton,IL,USA,1,.,1,Family,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,.,*,.,*,Supplier 1,.,.,.,1,.,1,.,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,.,.,.,1,.,1,.,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,.,.,1,.,1,.,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friend,A,1,N,1,.,Chicago,IL,USA,How much capital I need to get started,His place,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,97,0,3,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,Opening another shop--I want to franchise.,1,.,To leave it in the family.,*,DK,DK,.,.,1,2,2,********************,1,.,300,2,800,2,800,2,73,2,300,2,0,.,0,.,0,.,0,.,0,.,100,2,150,2,50,2,0,.,11,2,75,2,0,.,0,.,0,.,*,2783,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,40000,0,0,40000,100,0,0,0,0,0,0,0,0,0,0,********************,40000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Matteson,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability",1150000,950,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,1,0,2,2,, 364,8,7,97,1,30,2,1,58,Chicago,1,1,********************,********************,2,*,A,2,2,59,Chicago,1,********************,********************,7,*,B,6,1,24,Evanston,1,********************,********************,1,*,C,5,2,22,Evanston,1,********************,********************,1,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,2,*************************,2,1,*,3,*,1,*,.,.,1,*,.,France,England,Germany,97,.,Winnetka,.,26,1,1,"Becker Bros. Carbon Corp., 3450 S. Laramie, Chgo., --Baltimore Building Materials, 8433 S. Baltimore, Chicago.",72,He was an accountant who had his own firm.,1,3,******************************,2,1,11,Buy property,4,1,1,2,Prior Business 1,Industrial materials,Chicago,IL,USA,3,*,Prior Business 2,Building materials,Chicago,IL,USA,3,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,4,82,1,*,I saw it was for sale in the Tribune want ads so I made a deal with the prior owner.,The Tribune want ads.,2,1,It was for sale and it was in the same general area as my other store.,"Building materials, lumber, etc.",1,*,2,*,0,500,15000,80000,10000,Miscellaneous,3500,Mortgage,0,*,109000,1,0,0,3500,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,105500,0,0,0,0,109000,.,.,*,.,*,Lender 1,I had all my accounts with them,Summit,IL,USA,1,.,2,.,9,*,1,20,.,2,********************,.,250000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"I don't recall any",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Business owner,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are interested in other fields.,30,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,9,5,4,0,7,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,1,2,1,2,2,*,1,.,1,2,2,2,1,2,2,2,2,*,"They seem to be tried and true methods that work for me. You have to have a work staff that's compatible.",28,0,0,5,.,To get a better paying job in a field with more opportunity to advance.,2,*,.,*,1,Riverside,IL,USA,2,3,22,associate of my father,6,15,1,Chicago,IL,USA,1,.,1,Has an office near Lumber Co.,.,7,1,Woodstock,IL,USA,1,.,1,Called to my store,N,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,I employ people who can provide the services I need at a reasonable price.,*,.,*,Supplier 1,Harvey,IL,USA,1,.,1,The prior owner of my business used them,0,15,1,15000,Net 30 days,0,30,0,I think there is a late charge,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Supplier to prior owner,0,15,1,20000,Net 30 days,18,30,0,18% interest charge,2,.,*,.,.,.,*,Supplier 3,Bedford Park,IL,USA,1,.,1,Supplier to prior owner,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,1,Georgia Pacific had a black salesman--he called on me once and I never saw him again. They send a white salesman to my stores.,1,Creditor 1,2,-4,1,.,Chicago,IL,USA,15,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Hillside,IL,USA,1,"Credit reports, credit agency",Both,Association 2,Springfield,IL,USA,1,"Insurance program, annual trade show",Both,Association 3,********************,**,********************,********************,*,*,.,1,"The credit reports on your customers, the best insurances for your business and the annual trade show.",1,Service 1,Hillside,IL,USA,Credit checks,2,Service 2,Springfield,IL,USA,"Trade show, insuranc",2,Service 3,********************,**,********************,********************,.,*,The prior owner stayed with me for a year and the building manager stayed on for 7 more years.,A,1,Prior owner. He sold me his business,1,.,Chicago,IL,USA,Business trends and what customers want.,At the store,J,1,He was the manager when I bought the business,1,.,Chicago,IL,USA,How to keep up with the latest materials,At the store,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,2,********************,80,20,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,"I use credit checks provided by the Lumberman's Assn.","Provide credit for 10 days @2% discount, after 10 days to 1 month @2% interest, and 8% interest after 1 month up tp 3 months.",2,3,0,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,2,1,Competition,2,*,1,"Hiring more outside salesmen. Carrying more product lines. Keeping up with current product lines. (w/e) That's about it.",2,.,*,"I don't think it's a heavy growth business. There's no future in it.","I'll take care of my property investments",The Chicago area,1300000,.,2,1,.,********************,.,.,700000,1,0,.,40000,1,20000,1,30000,1,125000,1,0,.,12000,1,0,.,15000,1,2000,1,24000,1,1000,1,5000,1,2000,1,20000,1,20000,1,10000,1,0,.,*,1025950,1,1,Charity 1,1000,Charity 2,.,Charity 3,.,25000,.,Re-invested it in the business,30000,1500000,750000,50,450000,3,600000,40,105000,7,0,0,0,0,0,0,********************,1500000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,1,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability, medical, business interruption",1000000,20000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,2,30,2,2,, 370,7,9,97,9,45,1,1,45,Jordan,2,3,********************,19,2,*,A,2,2,36,Jordan,3,********************,19,7,*,B,3,2,70,Jordan,3,********************,19,5,*,C,7,2,28,Jordan,3,********************,19,9,Part-time,D,6,1,16,Detroit,3,********************,19,8,*,E,6,1,11,Chicago,3,********************,19,8,*,F,5,2,10,Chicago,3,********************,19,8,*,G,5,2,5,Chicago,3,********************,19,8,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,Jordan,3,*,.,*************************,1,.,*,.,*,2,Arabian,1,2,2,Arabic,81,********************,********************,********************,15,1,7100 Hamlin,.,15,1,2,*,72,Company phone operator--export business.,1,1,******************************,1,1,2,********************,1,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,21,1,Chicago,IL,USA,1,Cashier/Stock person,0,6,.,1,"Everything about business--cash, buying products and supplies.",Business,8,88,1,*,Had a down payment.,Found out from a cousin.,2,1,I just found business and bought--79th Street is a busy street.,Convenient foods--lottery tickets (all) cigarettes.,1,*,2,*,600,4800,1200,15000,0,*,0,*,0,*,21600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,16600,0,0,0,5000,21600,1,3,.,1,*,Lender 1,"Didn't have all money needed.",Chicago,IL,USA,1,.,2,.,0,Agreement with sale of store.,1,1,0,2,********************,.,5000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,No major problems,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"Books, cashier, stock",72,2,A,8,"Cashier, stock",68,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,1,1,N,3,0,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,2,1,N,0,5,.,********************,**,**********,.,.,.,*,.,.,1,.,IL,USA,2,2,1,.,0,6,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Know before starting business,.,9,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,2,1,They already in store,.,9,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Already in store,.,9,2,.,*,.,.,.,*,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time--always working.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Just my family,A,2,N,1,.,.,.,.,About buying business,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,2,*,2,*,2,*,2,.,*,I want my children to go to school.,If I live--relax & to travel.,Chicago,60000,58000,1,2,2,********************,1,.,13000,2,600,2,213,2,80,2,0,.,1200,2,0,.,0,.,0,.,0,.,0,.,55,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,15148,2,2,Charity 1,.,Charity 2,.,Charity 3,.,60000,.,Paid my bills,58000,35000,15000,20,2000,5,0,0,0,0,18000,75,0,0,0,0,********************,35000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,Fire & liability,25000,958,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,15,1,1,, 371,7,23,97,1,20,2,1,41,"Gary, IN",1,2,********************,********************,2,*,A,2,2,41,"Chicago, IL",2,********************,********************,1,*,B,6,1,11,"Chicago, IL",2,********************,********************,8,*,C,6,1,9,"Chicago, IL",2,********************,********************,8,*,D,6,1,4,"Chicago, IL",2,********************,********************,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,7,Working on PHD,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,USA,.,97,.,Beverly,.,3,1,1,Partnership in collection agency--Student Adjustment Corp.,60,Personnel officer,1,1,******************************,4,1,9,********************,4,1,1,1,Prior Business 1,Collection agency,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,4,91,1,*,Just bought a franchise ,It was advertised at a franchise show,1,7,This was first store at another location. Collection agency was next door and this office became available.,Tax returns,1,*,2,*,1000,7000,0,0,12500,Franchise,0,*,0,*,20000,1,0,0,0,0,*,10000,0,0,0,0,********************,0,1,0,0,0,0,10000,0,0,0,0,20000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,.,Difficult to find good employees because of seasonal work.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Commerical,Chicago,IL,USA,2,1,1,Operating capital,100000,3,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,Neighborhood,Chicago,IL,USA,1,.,1,Operating capital,100000,3,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,Advertisement,Chicago,IL,USA,1,.,1,Operating capital,100000,1,*,.,*,1,5,0,1,Home,85000,2,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,1,Collection agency,.,2,Rx,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,30,1,A,7,Processing manager,30,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,1,2,1,2,*,Easy for trained people,14,0,0,0,3,Lack of work,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,6,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Neighborhood,0,6,1,0,30 days net,0,30,0,.,2,.,*,.,.,.,*,Supplier 2,VA Beach,VA,USA,2,1,1,Franchise from them,0,6,1,0,30 days net,0,30,0,.,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,4,1,.,0,4,1,0,30 days net,0,30,0,1,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,.,MD,USA,1,General tax information,General tax information,Association 2,.,MD,USA,1,General tax information,General tax information,Association 3,********************,**,********************,********************,*,*,.,1,"SBA, Chatham Business Association, South Shore Bank",1,Service 1,Chicago,IL,USA,Help with loan,3,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Wife,A,2,N,1,.,Chicago,IL,USA,"Financing, time, location",Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,15,5,********************,A,1,Franchise owner,1,.,Chicago,IL,USA,Franchise issues/tax laws,Telephone,B,1,***********,2,1,Chicago,IL,USA,Franchise issues/tax laws,Telephone,C,1,Franchise owner,2,.,Franchise owner,Chicago,IL,USA,Franchise issues/tax laws,Telephone,1,********************,90,3,0,7,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,Open 2 more franchises,1,.,It makes money,*,Teach college classes,"Don't know",350000,.,2,2,2,********************,2,1,15000,1,40000,1,600,1,2300,1,2000,1,100000,1,12000,1,6000,1,2000,1,0,.,12000,1,6000,1,15000,1,2000,1,1000,1,1000,1,0,.,.,.,0,.,*,.,1,2,Charity 1,.,Charity 2,.,Charity 3,.,90000,.,"2/3 re-invested, 1/3 retirement",45000,700000,0,0,10000,10,0,0,0,0,70000,20,0,0,700000,70,Franchise,780000,40000,2000,100,0,0,0,0,.,2000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,IRS changed rules during the tax season.,Make adjustments and consolidated in customer service. I down sized that year and only opened 3 stores for business.,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,2,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, medical compensation",1000000,2300,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,.,.,.,1,, 373,7,9,97,1,15,2,1,73,"Gary, IN",1,2,********************,********************,2,*,A,2,2,72,S.C.,2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,"Southern, USA",.,********************,17,1,Avalon Park,.,17,1,2,*,60,Steel worker-labor,1,1,******************************,2,2,8,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,1,2,2,2,*,1,2,Chicago,IL,USA,1,Salesman,0,2,0,1,How to deal with people as a sales person.,Business,8,72,2,*,*,*,2,1,I like the Chatham community,Real estate appraisals,1,*,2,*,350,500,0,0,350,Security rent,0,*,0,*,1200,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1200,0,0,0,0,1200,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not need if for what I was doing.,Finding clients,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,5000,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Kids are grown and not interested in the business.,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,4,4,0,0,3,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,1,1,2,2,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,2,2,2,1,Recruit from classes I teach,I know they have the skills,0,0,2,8,0,"I let them go because they can't do the job.",1,Appraisals,2,*,1,Chicago,IL,USA,1,.,1,Sent letter in mail,0,2,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Neighbor,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Race pride with people in neighborhood,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Advertisement,0,2,1,1200,Net 30,16,.,.,16% of balance,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,12,0,Harris Bank,2,-4,2,1,Chicago,IL,USA,0,6,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,"Continuing education, professional credentials",Both,Association 2,Washington,DC,USA,1,"Continuing education, professional credentials",Both,Association 3,Chicago,IL,USA,2,"Continuing education, info for real estate pros",Both,.,1,Cosmopolitan Chambers of Commerce,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Was a member-did not re-new membership because I did not have time to attend meetings,"Instructors, other appraisers",A,1,Instructor of class,2,1,Chicago,IL,USA,Appraisal format & content,His home or office,F,1,Appraisal meetings,2,1,Chicago,IL,USA,Appraisal format & content,His office,C,1,Internship,2,1,Elk Grove Village,IL,USA,How to appraise commercial property,Office,1,14,5,********************,A,1,Same organization,2,1,Western Springs,IL,USA,Membership issues,Meetings/chapter office,B,1,***********,2,1,Chicago,IL,USA,Appraisal issues,Chapter office,C,1,Same organization,2,.,Same organization,Chicago,IL,USA,Licenses,Chapter office,3,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,1,2,2,2,*,2,*,2,*,1,.,Business is established and in good shape,*,To stay active and do one job a week (12 hrs.),"Chicago, IL",200000,.,1,2,2,********************,2,1,0,.,500,2,55,2,117,2,400,2,0,.,1000,2,200,1,0,.,0,.,200,2,450,2,119,2,0,.,150,2,17,2,0,.,0,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,80000,.,"10,000 re-invested in business equipment and the rest went to personal household.",60000,24000,300,1,18000,20,0,0,52000,74,9000,5,0,0,0,0,********************,79300,20000,20000,100,.,.,.,.,.,20000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,1,2,2,2,*,1,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,1,Contents,500000,250,1,1,1,********************,.,3,30,2,2,, 374,9,22,97,10,0,1,2,39,IL,1,2,********************,********************,2,*,A,5,2,4,IL,2,********************,********************,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,3,*,USA,2,*,.,*************************,2,8,Apostolic,.,*,1,*,.,.,1,*,.,South of USA,.,********************,97,.,Damen,.,24,1,2,*,55,Barber,1,1,******************************,1,1,8,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Insurance agent,0,1,0,1,I learned the job.,Business,1,91,1,*,Bought agency,Was working for Allstate in store.,2,0,Just driving down the street--I wanted a heavily traveled street.,Insurance,1,*,2,*,.,4000,.,.,.,*,.,*,.,*,4000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,2000,2000,0,0,0,0,4000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had enough money.,Building business--getting customers,2,*,1,1,Partner 1,1,Co-worker,2,5,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,5000,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No family members besides parents.,55,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,1,2,2,2,2,*,I can see quality candidates,9,1,0,1,0,Attendance or poor customer service.,2,*,.,*,1,Buffalo Grove,IL,USA,2,1,1,Referral,0,4,1,Chicago,IL,USA,1,.,1,Referral,0,6,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,.,.,.,.,.,.,.,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Wholesale club,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No reason--no time.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Other agents, attorney and accountant",A,1,From school,1,.,Chicago,IL,USA,Partnership,Telephone/lunch,M,1,Referral,2,1,Buffalo Grove,IL,USA,IRS,Telephone/Internet,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,2,0,0,********************,0,0,0,1,.,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Retention of insurance rates,2,2,1,2,2,2,*,2,*,1,Depending on guidelines--I will do more advertising.,1,.,"If my daughter wants to, that would be great.",*,"I can't think that far, I have a 4 yr old daughter.",Suburban area,.,.,2,2,2,********************,2,1,83,2,600,2,300,2,25,2,67,2,1500,2,.,.,0,.,0,.,0,.,42,2,583,2,83,2,250,2,6,2,0,.,0,.,0,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Re-invest in business,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability, Medical, Business interruption, etc.",2000000,300,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,45,1,2,, 375,5,11,98,12,0,2,1,62,Arkansas,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,16,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,44,1,Hyde Park,.,15,1,2,*,50,He worked on a farm,1,1,******************************,1,3,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,4,60,2,*,*,*,2,0,At the time I chose this place Blacks were moving in and it was like a welcome--,Tax information,1,*,2,*,150,200,0,0,0,*,0,*,0,*,350,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,350,0,0,0,0,350,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,At the time I did not need it.,Convincing our people that they would get the service they needed.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are all deceased,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,1,Went to school together,1,.,.,.,.,If I would be accepted,His place or mine,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,2,********************,85,10,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,2,.,*,They are all deceased,"I'm semi-retired now--I don't think I will do much more than I'm doing now.","Here, in Chicago, IL",.,.,.,2,2,********************,2,1,0,.,400,2,0,.,0,.,75,2,0,.,.,.,0,.,0,.,0,.,200,2,100,2,0,.,0,.,10,2,0,.,0,.,0,.,0,.,*,785,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Put it in the bank,.,.,.,40,.,20,0,0,0,0,.,40,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,12,50,2,2,, 376,7,8,97,3,45,2,1,62,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,14,2,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,40,1,Chatham,.,17,1,1,Stocks and bonds and bank interest,50,Truck driver--delivery truck.,1,1,******************************,5,1,4,********************,1,1,1,3,Prior Business 1,Grocery store,Chicago,IL,USA,4,Gave to father,Prior Business 2,Laundry service,Chicago,IL,USA,1,*,Prior Business 3,Laundry service,Chicago,IL,USA,2,*,2,2,2,2,1,2,*,22,2,Chicago,IL,USA,1,Jr. Accountant,0,25,0,1,"Cost of goods sold, dealing with customers",Business,1,76,4,*,*,*,2,0,Parking and traffic,"Accounting and all types of taxes (Corp., Trust, Income, Sales)",1,*,2,*,150,10000,0,0,15000,Accts Rec.,0,*,0,*,25150,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,7000,0,0,0,0,7000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Not needed,To let customers know where we moved to--we had been in other location 20 years.,2,*,1,1,Partner 1,22,Referral,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Supervisor of Recreation,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They all have their own careers.,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,1,2,2,2,*,"It's easier and cheaper",7,0,0,10,0,None have left,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,10,1,Chicago,IL,USA,1,.,1,Played basketball together at Park District,0,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,They belong to my circle and are easy to get a hold of and they are qualified.,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Yellow Pages,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Glen Ellyn,IL,USA,1,"Seminars on accounting and taxes, continuing education hours",Both,Association 2,Alexander,VA,USA,1,RE: IRS seminars and continuing education,Both,Association 3,********************,**,********************,********************,*,*,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,1,Met at a meeting,1,.,Chicago,IL,USA,Passing enrolled agents meeting,Meetings at various,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,5,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,To those who have been with me a long time and have a large bill with me.,90 days net,5,6,0,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,1,2,*,2,*,1,Buy bldg and expand--hire more people and get additional equipment.,2,.,*,Not qualified,Travel the world.,Where it is hot--Las Vegas,60000,45000,2,2,2,********************,2,1,2500,1,500,2,40,2,104,2,600,2,0,.,1250,2,42,2,50,2,0,.,6,2,55,2,183,2,250,2,0,.,21,2,0,.,0,.,0,.,*,3310,2,1,Charity 1,2600,Charity 2,.,Charity 3,.,30000,.,Re-invested in business,30000,35000,0,0,30000,60,0,0,4500,10,15000,30,0,0,0,0,********************,49500,500,500,100,0,0,0,0,.,500,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,1,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, glass",50,375,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,.,.,.,2,, 377,7,5,97,2,25,2,2,55,"Clarksdale, MS",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,13,1,*,USA,1,*,1,*************************,2,8,Non-denomination,.,*,1,*,.,.,1,*,.,Africa,.,********************,39,1,Chatham,.,4,2,2,*,48,Farmer--grew crops--I was not with him.,1,2,******************************,5,2,8,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,1,2,2,*,8,2,Chicago,IL,USA,1,Cashier/Manager,2,2,0,1,"Management, people skills, buying, selling, bookkeeping",Business,11,82,1,*,"Had lawyer draw up contract, put money down and got a payment plan.",I worked here,2,0,it was already here,"Manicure and pedicure, balloons, children clothers",1,*,2,*,375,700,0,1500,50,Ins,75,Utilities,0,*,2700,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,2700,0,0,0,0,2700,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Neighborhood bank,1,1,.,Chicago,IL,USA,50000,No collateral,Non Lender 2,I was told they would help me,1,2,1,Chicago,IL,USA,.,Did not get a chance to do anything--they said they were not taking applications.,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Working long hours with no income. I put all money back into business.,2,*,1,1,Partner 1,22,"Niece's friend",1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't have any family",54,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,22,N,0,30,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,22,N,0,10,2,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,1,I believe in helping my own since that is where I get all my business from.,*,.,*,Supplier 1,Wayne,NJ,USA,2,1,1,Apparel Center,8,.,1,0,Net 30,.,30,0,3% interest,2,.,*,.,.,.,*,Supplier 2,San Antonio,TX,USA,2,1,1,Apparel Center,8,0,1,1088,Net 30,0,30,0,5% interest,2,.,*,.,.,.,*,Supplier 3,New York,NY,USA,2,1,1,Apparel Center,6,0,1,172,Net 30,0,30,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Can't afford it--I don't see the benefit to me as a small business.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"SBA, bookkeeper, friends",A,1,Bookkeeper took me,2,1,Chicago,IL,USA,Start up capital,SBA office,GI,1,Bookkeeper,1,.,Beverly,IL,USA,Starting a business and taxes,Restaurant,C,.,*,.,.,********************,**,********************,*,********************,1,150,5,********************,A,22,N,1,.,Chicago,IL,USA,Market products,Business owners monthly meeting,B,1,***********,1,.,Chicago,IL,USA,Market products,Business owners monthly meeting,C,1,Business memeber,1,.,Business member,Chicago,IL,USA,Market products,Business owners monthly meeting,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,1,"I can't find a lender to lend to a small business for expansion.",2,*,2,.,*,No family,Travel all over and maybe re-locate to Georgia.,"Atlanta, Georgia",86000,97000,2,2,2,********************,2,.,800,2,500,2,125,2,215,2,50,2,100,2,1800,2,0,.,0,.,0,.,15,2,110,2,75,2,25,2,135,1,20,2,0,.,100,2,0,.,*,3970,2,2,Charity 1,.,Charity 2,.,Charity 3,.,100000,.,.,1900,50000,10000,40,10000,40,0,0,0,0,5000,20,0,0,0,0,********************,25000,1200,1200,100,0,0,0,0,.,1200,1,Bank 1,Forest Park,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Summer vacation--people leave town.,Carry loss inventory and manitain what I have.,2,2,1,2,2,1,1,1,2,2,1,2,2,2,*,1,Assister 1,Wayne,IN,USA,2,1,2,Line of credit,1000,0,Waived,2,.,.,2,********************,.,2,.,Assister 2,San Antonio,TX,USA,1,.,2,Line of credit,6000,0,Waived,2,.,.,2,********************,.,2,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,2,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,2,2,1,2,2,2,2,1,1,2,2,*,1,1,"Fire, theft, liability",100000,1100,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,1,Overhead,1800,41,2,1,.,********************,.,4,20,2,2,, 379,7,5,97,9,45,1,2,51,Ohio,1,2,********************,********************,2,*,A,2,1,51,Mississippi,2,********************,********************,2,*,B,6,1,15,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,30,1,Chatham,.,20,1,2,*,60,Steel worker--crane operator,1,1,******************************,1,2,2,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Secretary,0,4,0,1,People and bookkeeping skills,Business,10,77,2,*,*,*,2,0,Through the help of a friend started selling plants w/friend from door to door and the husband noticed that business was doing well and he decided to open business in the area.,"Landscaping, lawn and garden center, house plants",1,*,2,*,500,6000,1600,2500,3000,Ins,0,*,0,*,13600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,13600,0,0,0,0,13600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Used personal savings,Cash flow,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Where we have checking/savings,Chicago,IL,USA,1,.,1,Pay off IRS,30000,2,We had a mortgage loan and they did not want to give us a 2nd loan.,10,*,1,10,0,1,Building,200000,2,.,Lender for Operation,We have bldg loan with them,Chicago,IL,USA,2,1,1,Pay off IRS,30000,2,We had a bldg loan with them and they would not give another.,12,*,1,15,0,1,.,300000,2,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Secy at Highland Park,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"Cashier, bookkeeper",60,2,A,2,"Landscraper, cashier",100,2,B,6,"Laborer, helps customers",30,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,3,0,0,2,0,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,1,2,2,2,2,*,.,.,.,.,.,.,*,2,1,2,2,2,2,2,1,2,2,2,*,"It's easier to hire that way",6,0,0,10,0,"For a year round, full-time job with benefits.",1,P. T. lawn care business,1,Help him get customers--referred customers that needed lawn maintenance,1,Chicago,IL,USA,1,.,1,Referral,0,20,1,Chicago,IL,USA,1,.,1,Referral,0,20,1,Schaumburg,IL,USA,2,1,1,Florist Association,0,15,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,If they do the work we believe in going to our people first.,*,.,*,Supplier 1,Big Rock,IL,USA,2,1,1,Friend,8,1,1,30000,Post date checks,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,Milwaukee,WI,USA,1,.,1,Referral,10,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Referral,10,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,16,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Edwardsville,IL,USA,1,"Business insurance, trade",Business insurance,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,SBA,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Submitted a package to them awhile ago but we never got together.,"Lawyers, accountants and fellow business owners",A,1,Worked for him part-time,2,1,Schaumburg,IL,USA,What would be needed for business,His office,GB,1,Checking/savings there,1,.,Chicago,IL,USA,Start-up capital,Bank,C,1,Owner of bldg where business located,2,1,Chicago,IL,USA,Renting store space,At bldg,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,1,2,1,2,2,1,2,2,2,2,*,2,2,2,2,1,2,*,1,Banks give you enough money to fail--never enough to make a go of it.,1,To expand through 2 store fronts in this building,1,.,To continue to watch the business grow and thrive,*,Travel the world,Retirement community in Chicago,350000,.,2,1,.,********************,.,.,10000,2,4676,2,3500,2,1166,2,700,2,3440,2,2000,2,200,2,0,.,3250,2,200,2,1300,2,500,2,6000,2,13,2,583,2,300,2,333,2,0,.,*,.,.,1,Charity 1,50,Charity 2,.,Charity 3,.,175000,.,Re-invest into business,150000,400000,100000,25,60000,15,180000,45,40000,10,20000,5,0,0,0,0,********************,400000,165000,53000,40,112000,60,0,0,.,165000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,1,95,Cash Flow,Landscaping has helped and increased,1,2,2,2,2,1,2,1,2,2,1,1,2,2,*,1,Assister 1,Chicago,IL,USA,1,.,2,Overdraft protection,15000,2,*,1,2,2,2,********************,.,2,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,2,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,1,1,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability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hatham,.,4,1,2,*,50,He was a business owner--he owned an AfroCentric store.,1,2,******************************,2,4,9,********************,5,1,1,1,Prior Business 1,Import and export,.,.,"Kenya, Africa",2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,94,2,*,*,*,2,0,Because of the traffic pattern the community and visibility,Textiles and apparel,1,*,1,African-American,600,10000,1500,20000,0,*,0,*,0,*,32100,1,0,0,0,0,*,12000,0,0,0,0,********************,0,1,0,0,0,0,20100,0,0,0,0,32100,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Debt services you would have to pay it back.,Finding a good location.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They are not interested in my business--have their own ways, their own jobs.",50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,22,N,0,35,1,Chicago,IL,USA,1,.,22,N,0,5,1,Chicago,IL,USA,1,.,22,N,0,7,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Personal preference--I like us.,*,.,*,Supplier 1,New York City,NY,USA,1,.,1,We met in Africa,.,.,1,4000,Net 30,0,30,0,1,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Yes--All they do is sit around and talk and it really dosen't benefit me.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Business associates,A,1,He owns a supermarket,1,.,Chicago,IL,USA,"Traffic patterns, Business development",In his store,D,1,AA Rainer Funeral Home,1,.,Chicago,IL,USA,Community involvement,At her business,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,2,1,Not thinking about expanding,.,*,2,*,4,.,*,*,*,*,150000,.,2,2,2,********************,2,1,4000,2,625,2,200,2,100,2,50,2,1000,2,0,.,0,.,100,2,0,.,50,2,150,2,600,2,300,2,300,1,1000,1,0,.,0,.,0,.,*,8370,2,1,Charity 1,25,Charity 2,.,Charity 3,.,999999,450,*,0,30000,20000,.,10000,.,0,0,0,0,0,0,0,0,0,0,********************,30000,12000,12000,100,0,0,0,0,.,12000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,1,2,2,2,2,2,2,2,1,2,1,2,*,1,1,"Fire, theft, liability",320000,501,1,1,20000,.,-3,1,2000000,.,-3,1,1000000,.,-3,1, 5000,.,-3,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,15,1,2,, 382,4,15,98,11,45,2,2,84,Mississippi,2,2,********************,********************,2,*,A,2,1,86,Mississippi,2,********************,********************,5,*,B,8,1,75,Mississippi,2,********************,********************,9,"No pay helping out in Business, never went to school, disable",C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,8,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,********************,********************,********************,55,.,Chatham,.,28,1,2,*,50,Farmer,2,.,******************************,1,4,5,********************,2,1,1,1,Prior Business 1,Serving food,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Sales person******************,0,5,0,2,*,Business,.,69,2,*,*,*,2,0,Lived across the street selling hats from her home.,Sell jewelry ladies apparel hats Milinary Supplies,1,*,2,*,135,400,0,3000,40,Utilities,0,*,0,*,3575,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3575,0,0,0,0,3575,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Had own money,"Never had problem went to convention did shows, never needed any help did everything from experience.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Coustodian for school,.,8,Disability Income,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They have jobs, not interested in Milinary business.",50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,1,1,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Advertisement,0,15,1,Chicago,IL,USA,1,.,1,Ad,0,24,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Glenco,IL,USA,2,3,1,The place I use to work for used this service.,0,30,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Never needed service,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,1,From my church,1,.,Chicago,IL,USA,Blocking hat put in stove,Resturant home,Elmo,2,.,1,.,Chicago,IL,USA,"Opening business & finance,cost",My home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,5,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,1,2,2,2,1,2,2,*,1,2,2,2,2,2,*,2,*,2,*,3,3,*,*,Relax have back problems now cant get around anymore.,Chicago,10000,30000,1,2,2,********************,2,1,4000,1,9000,1,3000,1,2000,1,0,.,0,.,0,.,0,.,0,.,0,.,3000,1,900,1,80,1,300,1,80,1,800,1,0,.,0,.,0,.,*,23160,1,1,Charity 1,3000,Charity 2,.,Charity 3,.,999999,30000,*,15000,125000,85000,75,25000,20,0,0,0,0,15000,5,0,0,0,0,********************,125000,3075,0,0,0,0,3075,100,Expense cost,3075,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,"Had back problems couldn't get advertisement ready for sales lost customers because was at home sick for 4 weeks.",Not good,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Nothing,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,2,1,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",90000,18300,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,1,10,2,3,, 383,7,23,97,9,30,1,1,52,Chicago,1,2,********************,********************,2,*,A,2,2,39,Chicago,2,********************,********************,2,*,B,6,1,13,"Flossmore, IL",2,********************,********************,8,*,C,6,1,10,"Flossmore, IL",2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,19,4,*,USA,2,*,.,*************************,2,7,*,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,Flossmoor,.,14,1,2,*,60,Postal clerk and pullman porter,1,1,******************************,1,3,11,Invest in the market,4,1,1,1,Prior Business 1,Groceries,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,83,1,*,The business was in bankruptcy,Had been associated with the account--working at an accounting firm.,2,0,"Knew the business, location was good and the business have been mismanaged.","Grocery/food store--deli/fruits/meats, etc.",1,*,1,African American,0,0,0,100000,105000,Personal,0,*,0,*,205000,1,0,0,0,0,*,0,0,0,80000,0,********************,0,1,0,0,0,0,125000,0,0,0,0,205000,.,.,*,.,*,Lender 1,Supplier of goods,Centralia,IL,USA,2,.,2,.,5,*,1,3,0,1,Inventory,80000,80000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,.,.,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,General manager,60,1,A,2,Head cashier,50,1,B,6,Stock clerk,15,1,C,6,Stock clerk,15,1,2,.,Relative,.,*,2,.,.,********************,1,40,16,24,0,40,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,Has been most effective for us.,0,1,0,3,6,School/better job offer,2,*,.,*,1,.,.,USA,2,2,1,Recommended,0,18,1,Chicago,IL,USA,1,.,1,Recommended,0,6,1,Chicago,IL,USA,1,.,1,Shopped the community,0,2,2,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,2,I look for the best price and service,*,.,*,Supplier 1,Centralia,IL,USA,2,.,1,Best prices/programs for me,0,17,1,119000,Always pay on time,.,.,.,.,1,119000,Member of Association,8,.,60,.,Supplier 2,Chicago,IL,USA,2,.,1,Involved over time w/father/sons,0,17,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,.,1,Major brand,0,17,1,6000,.,.,30,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Washington,DC,USA,All types,Trade show/seminars/research/lobby for us,All,Association 2,Washington,DC,USA,2,Networking/consulting,All,Association 3,Springfield,IL,USA,All types,"Lobby for us, trade show/seminars/research",All,.,1,SBA,1,Service 1,Chicago,IL,USA,Stronger business,5,Service 2,Chicago,IL,USA,.,1,Service 3,********************,**,********************,********************,.,*,"Accountant, attorney and people in business",A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,.,4,********************,A,1,Grocers Association,1,.,.,.,USA,Business related issues,Phone,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,1,2,2,1,1,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,2,.,*,My boys are not interested,DK,Somewhere like the Bahamas,5000000,4700000,1,1,.,********************,.,.,.,.,0,.,4500,2,1000,2,42,2,0,.,5160,2,0,.,0,.,833,2,300,2,250,2,4300,2,433,2,83,2,2000,2,1000,2,3010,2,0,.,*,.,.,1,Charity 1,15000,Charity 2,.,Charity 3,.,.,.,Paid bills/school for sons/invested,.,.,.,33,.,33,.,33,.,.,.,.,.,.,.,.,********************,.,220000,.,.,.,.,220000,100,Vender debt,220000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Liability, fire",1000000,12000,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,1,All covered,2300,2,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,10,45,1,1,, 386,1,22,98,10,10,1,2,31,"Chicago, IL",1,2,********************,********************,2,*,A,9,2,73,"Chicago, IL",2,********************,********************,6,*,B,5,2,4,"Chicago, IL",2,********************,********************,8,*,C,6,1,13,"Chicago, IL",2,********************,********************,8,*,D,2,1,28,"Chicago, IL",2,********************,********************,1,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,6,1,2,*,50,Hair designer,1,2,******************************,2,3,2,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Beautician,0,8,0,1,Doing hair,Business,5,96,1,*,I just rented the space and remodeled,I saw a sign that said ""For Rent""--,2,0,I saw it was vacant.,We do hair.,1,*,2,*,1200,8000,0,2000,0,*,0,*,0,*,11200,1,0,0,0,0,*,5000,0,0,0,0,********************,0,2,0,0,0,0,6200,0,0,0,0,11200,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not want to pay the interest.,Trying to separate my personal life from my business--handling stress.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Working on job,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have their own careers.,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,22,n,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Rosemont,IL,USA,2,1,1,.,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Hillside,IL,USA,2,1,1,.,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,.,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,Updates changes being made,Updates,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives,A,6,N,1,.,Chicago,IL,USA,Start business,Her job,E,17,N,1,.,Chicago,IL,USA,Starting the business,At shop I worked for,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,1,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,1,.,"It took hard work and dedication to build this up and it's hard to just let it go.",*,DK,DK,50000,.,2,2,2,********************,1,.,4800,1,6000,1,1680,1,2460,1,600,1,0,.,0,.,0,.,0,.,0,.,500,1,1560,1,1500,1,0,.,200,1,800,1,0,.,0,.,0,.,*,20100,1,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,.,Re-invested it in the business,.,10000,2000,20,8000,80,0,0,0,0,0,0,0,0,0,0,********************,10000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",100000,475,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,15,1,2,, 391,7,7,97,10,25,1,1,39,Jamaica,2,2,********************,********************,2,*,A,2,2,42,Beliece,2,********************,********************,7,*,B,6,1,16,Chicago,2,********************,********************,8,*,C,5,2,18,Chicago,2,********************,********************,8,*,D,6,1,10,Chicago,2,********************,********************,8,*,E,5,2,6,Chicago,2,********************,********************,8,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,72,********************,********************,********************,25,1,South Shore,.,25,1,2,*,50,Bus driver--lives in England,1,1,******************************,5,1,2,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,3,Chicago,IL,USA,1,Manager,8,7,0,1,"Purchasing, dealing with customers, handling employees",Business,7,95,2,*,*,*,2,0,I wanted something on the southside and this bldg was available in a high traffic area.,"Tires, rims, auto security, auto stereo, sun roofs, etc.",1,*,2,*,1500,2000,0,3000,0,*,0,*,0,*,6500,1,0,0,10000,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,25000,0,0,0,0,35000,.,.,*,.,*,Lender 1,I had Equity and was offered a low rate,Chicago,IL,USA,2,1,2,.,7,*,1,15,0,1,House,85000,50000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Had to fence in lot & bldg.--people breaking into cars on the lot.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,50,1,A,6,Installer,20,1,B,2,Bookkeeping,30,1,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,3,3,0,0,2,0,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Previous employer,Most came to me from where I used to work,1,0,0,2,1,Change of occupation,2,*,.,*,1,Chicago,IL,USA,1,.,1,Walk in,0,2,1,Chicago,IL,USA,1,.,1,Referral,0,2,1,Chicago,IL,USA,1,.,1,Referral,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Keeping the money in the black neighborhood,*,.,*,Supplier 1,Broadview,IL,USA,2,1,1,Gave me a call,0,2,1,5000,30 days net,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,4,1,Referral,0,2,1,1200,30 days net,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Schitler Park,IL,USA,2,3,1,Referral,0,1,1,800,30 days net,0,0,0,.,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Lawyer,A,1,Referral,1,.,Chicago,IL,USA,Insurance business corp.,His office,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,0,2,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,1,2,2,2,2,2,1,2,2,2,*,1,2,2,2,2,2,*,1,Need money to add on to the bldg. to increase work space and profit,1,Add on to building to make more work space,1,.,To keep the business in the family because I started it.,*,Retire to Florida and relax.,Some place in Florida,.,.,1,1,.,********************,.,.,40000,2,1500,2,400,2,120,2,120,2,6000,2,1500,2,0,.,0,.,150,2,150,2,150,2,450,2,325,2,19,2,100,2,.,.,.,.,0,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,50000,.,Put it back into the business,15000,175000,95000,25,40000,20,160000,50,0,0,12000,5,0,0,0,0,********************,307000,128000,8000,10,120000,90,0,0,.,128000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",.,2200,1,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,2,.,.,12,10,2,2,, 394,9,5,97,5,18,2,1,31,Palestine,2,6,Arab,********************,2,*,A,2,2,23,Palestine,6,Arab,********************,7,*,B,6,1,3,USA,6,Arab,********************,9,Child,C,6,1,1,USA,6,Arab,********************,9,Child,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,Palestine,5,*,.,*************************,1,.,*,.,*,2,Arabic,1,2,3,Arabic,92,********************,********************,********************,5,1,Burbank,.,3,1,2,*,72,Plumber for water system,1,1,******************************,4,2,9,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,1,2,*,14,1,Chicago,IL,USA,1,Manager,3,1,6,1,"Handle the bills, payments, checks, and wholesale companies",Business,9,93,1,*,Purchased from relative,I worked for relative (owner),2,0,It was already here,Food,1,*,2,*,550,4500,0,10000,0,*,0,*,0,*,15000,1,0,0,0,0,*,0,15000,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,15000,.,.,*,.,*,Lender 1,N,N,N,N,1,.,1,21,.,.,.,.,.,2,********************,.,15000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Building stock and inventory to increase sales & profits.,1,Only increasing sales and profit margin,1,2,Partner 1,8,*,1,.,33,1,Partner 2,8,*,1,.,33,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,34,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,34,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,900,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Share in operation of business equally,72,1,A,8,Share operations,72,1,B,8,Share operations,72,1,C,.,*,.,.,1,1,Relative,1,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,University Park,IL,USA,2,1,1,Referred by uncle,0,4,1,Chicago,IL,USA,2,1,1,Referred by uncle,0,4,1,Chicago,IL,USA,2,2,1,Referred by uncle,0,4,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,They worked well for my uncle so I work with them too.,1,Their race is not important. What we have works well.,Supplier 1,Chicago,IL,USA,1,.,1,Same used by uncle,0,4,1,0,2 Weeks,0,14,0,Stop supplies,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Same as used by uncle,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,5,1,Same used by uncle,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,1,I depends if he has good prices.,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,They will not accept me. I do not have a big enough store.,1,Dearborn gives special discounts sometimes.,1,Service 1,Chicago,IL,USA,Discounted items,2,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives in general,A,21,N,1,.,.,.,Palestine,The business,At the store,A,21,N,1,.,.,.,Midway,The business,At the store,C,.,*,.,.,********************,**,********************,*,********************,1,6,3,********************,A,1,23,1,.,Burbank,IL,USA,"Food items, new business, sales",Home,B,22,***********,1,.,Burbank,IL,USA,"Food items, new business & sales",Home,C,21,N,1,.,22,Burbank,IL,USA,"Food items, new business & sales",Home,1,********************,98,1,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,By their age & how well I know them.,2 weeks,0,2,0,2,2,2,2,2,2,2,1,1,2,2,*,2,2,1,2,2,2,*,1,Difficult to get loans,1,Plan to increase electric power to manage equipment,1,.,It would be income for my family,*,Save money in commercial building & land.,Jerusalem,120000,.,2,2,2,********************,2,2,6000,2,600,2,300,2,100,2,100,2,0,.,2000,2,0,.,0,.,0,.,0,.,40,2,0,.,0,.,75,2,50,2,0,.,0,.,0,.,*,9265,2,1,Charity 1,1000,Charity 2,.,Charity 3,.,0,.,.,3000,55000,18000,0,20000,0,0,0,0,0,0,0,0,0,17000,1,My Worth,55000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,Other business closed in area & crime in area--new competition.,Hold the prices cheaper and keep the young people away,2,2,2,2,2,2,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,1,2,*,1,2,*,.,.,-4,1,64000,.,-3,1,1000,.,-4,1,1000000,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,7,0,2,2,, 397,6,13,98,4,0,2,1,38,"Memphis, TN",1,2,********************,********************,2,*,A,2,2,43,"Memphis, TN",2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,8,Methodist,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,18,1,Country Club Hills,.,7,1,2,*,60,He owned the cleaners,1,3,******************************,3,3,9,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,6,2,Chicago,IL,USA,1,No title,0,.,.,1,The cleaning business,Business,.,95,3,*,*,*,.,.,*,*,.,*,.,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,*,.,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Deceased,5,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,"It's quick and easy",3,0,0,3,.,None have left,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,.,.,.,1,.,1,Used when father owned,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Appleton,WI,USA,2,1,1,Always,0,20,1,130,30 days,0,30,0,Late fee,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I really don't do much--my dat was involved in that.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,1,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,2,1,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,"It was left to me, so I will try and find someone to leave it to in the family",*,DK,Florida,12000,10000,1,1,.,********************,.,.,200,2,0,.,600,2,92,2,50,2,800,2,0,.,0,.,0,.,83,2,20,2,100,2,0,.,0,.,10,2,17,2,0,.,0,.,0,.,*,1972,2,2,Charity 1,.,Charity 2,.,Charity 3,.,12000,.,Put it back into the place,10000,80000,40000,50,40000,50,0,0,0,0,0,0,0,0,0,0,********************,80000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",80000,1100,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,55,2,2,, 398,7,15,97,4,30,2,1,50,Chicago,1,2,********************,********************,2,*,A,2,2,50,"Nashville, NC",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,1,*,7,*************************,2,1,*,1,*,1,*,.,.,1,*,.,Alabama,Louisiana,.,1,1,South Shore,.,1,1,2,*,60,Mechanist for a camera company--built cameras on an assembly line.,1,1,******************************,1,1,8,********************,5,1,1,2,Prior Business 1,Music,.,.,.,1,*,Prior Business 2,Clothing,Chicago,IL,USA,2,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,97,1,*,I was offered the business when the former owner moved out.,By networking with other retailers.,2,1,It was the one that was available.,"Men's wear, leather goods, & alterations",2,"Men's suits & ties",2,*,1000,500,0,10000,0,*,0,*,0,*,11500,1,0,3000,0,0,*,0,0,0,1000,0,********************,0,1,0,0,0,0,10200,0,0,0,0,14200,.,.,*,.,*,Lender 1,Dealt with them on the East Coast,New York,NY,USA,2,3,2,.,5,*,1,0,6,2,********************,.,1000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Problems with real estate--the integrity ventilators or lack there of (heating system).,1,Certain vendors would put unrealistic quotas on their orders to hide the fact that they had exclusive sales agreements with others in the area.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,1,.,*,2,New Partner 1,1,He approached me. He wanted me to sell his merchandise on consignment.,1,.,.,2,New Partner 2,1,He approached me.,1,.,.,2,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,100,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,There is no one else,55,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,I research the area,0,2,1,Chicago,IL,USA,2,1,1,A customer,6,2,1,Chicago,IL,USA,2,1,1,Personal research,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,Because of their personal dependability and creditability.,1,Dependability and creditability,Supplier 1,Chicago,IL,USA,2,3,1,Referred by NY acquaintances,0,2,1,250,None,0,30,0,No penalties,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,2,3,1,We met in New York,0,8,1,0,None,0,30,0,No penalties,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,I met him while doing business here.,0,2,1,0,None,0,30,0,No penalti,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,We provide services & merchandise for each other.,Access to merchandise,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other business owners,A,1,Business neighbor,1,.,Chicago,IL,USA,The neighborhood,Restaurant/his store,B,1,Vendor,2,3,New York,NY,USA,Product,His store,C,1,Vendor,2,3,New York,NY,USA,Customer idiosyncrasy,The store,1,1,5,********************,A,1,Neighbor,1,.,Chicago,IL,USA,"Customer traffic, security, purchasing",Monthly meeting,B,1,***********,1,.,Chicago,IL,USA,"Customer traffic, security & purchasing",Monthly meeting,C,1,I researched him,1,.,I researched him,Chicago,IL,USA,"Customer traffic, security, purchasing",Monthly meeting,1,********************,97,0,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,2,Indians,1,2,*,*,.,.,.,2,1,2,2,2,2,2,2,1,2,1,Security,2,2,2,2,1,2,*,1,"I can't get financing.",1,"I'm bringing in another line of clothing--women's clothing",2,.,*,I plan to sell it.,Buy a home in the south.,North Carolina,.,.,2,2,2,********************,1,.,600,2,500,2,75,2,50,2,250,2,0,.,0,.,0,.,0,.,0,.,25,2,150,2,0,.,0,.,125,1,0,.,0,.,0,.,0,.,*,1610,2,1,Charity 1,20,Charity 2,20,Charity 3,30,.,.,*,.,10000,8500,85,1500,15,0,0,0,0,0,0,0,0,0,0,********************,10000,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,1,2,2,2,2,2,1,2,2,2,*,1,1,"Commercial, renters, auto",50000,58,2,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,1,2,2,2,, 404,9,13,97,10,15,1,2,30,"Chicago, IL",1,2,********************,********************,2,*,A,2,1,45,"Chicago, IL",2,********************,********************,2,*,B,6,1,2,"Chicago, IL",2,********************,********************,9,Child,C,5,2,1,"Chicago, IL",2,********************,********************,9,Child,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,5,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,No. Africa-Ghana,Saudia Arabia,So. Africa-Nigeria,97,.,West Chatham,.,3,1,2,*,75,"Hospitality--doorman, greeted customers and also did some cooking.",1,1,******************************,4,2,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,2,2,Chicago,IL,USA,1,Admin. Asst.,20,1,6,1,"Financial management, accounting, purchasing, customer service",Business,7,95,2,*,*,*,2,1,The store rent was cheap.,Home & office furnishings,1,*,2,*,1050,1500,0,0,4000,Merchandise,7000,Construction,0,*,13550,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,13550,13550,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not want it. You appreciate it more if you struggle to get it. We had the potential to earn it within 4 months.,Time--we set a deadline to open & had to reschedule many times.,1,"We didn't have any money.",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have no interest,75,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Broadview,IL,USA,1,.,22,Religious affiliation,0,4,1,Chicago,IL,USA,1,.,22,Religious affiliation,0,2,1,Hazelcrest,IL,USA,1,.,22,Customer,0,2,2,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,1,To inspire the continuation of economic growth among our ethnic group.,*,.,*,Supplier 1,Alsip,IL,USA,2,1,1,Referred by other competitors,6,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Referred by other competitors,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Dolton,GA,USA,2,1,1,Referred by other competitors,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Networking,All,Association 2,Chicago,IL,USA,2,Networking/training/motivation,All,Association 3,********************,**,********************,********************,*,*,.,1,SBA,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,I hate debt.,Other business owners.,A,1,Vendor,2,1,Chicago,IL,USA,Sources for supplies,At his business,J,1,Vendor,2,1,Chicago,IL,USA,"Manufacturing issues, products",At his business,C,22,Religious affiliate,1,.,Broadview,IL,USA,"Organization, accounting, cost maintenance",Various places,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,3,0,0,1,Mexican/Puerto Rican,0,0,0,0,********************,0,0,0,0,********************,2,1,Send it to finance companies for approval,"3, 6, 12 month terms",19,12,0,1,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,1,"It's needed for advertising & another location.",1,Open more locations,1,.,"We're building this for the future of our children.",*,"I don't plan to retire",DK,.,.,2,2,2,********************,2,1,9000,2,700,2,400,2,260,2,200,2,0,.,2000,2,50,2,510,2,0,.,100,2,800,2,100,2,25,2,25,2,100,2,0,.,200,2,1500,2,Contractors,15970,2,1,Charity 1,500,Charity 2,.,Charity 3,.,.,.,.,6000,25000,10000,.,10800,.,0,.,4000,.,0,.,200,.,0,.,********************,25000,6000,6000,100,0,0,0,0,.,6000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability, medical",10000,80,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,56,1,3,, 405,8,30,97,11,45,1,2,49,Chicago,1,2,********************,********************,2,*,A,2,1,51,Chicago,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,.,7,Refused,Refused,8,Refused,.,*************************,.,.,*,.,*,.,*,.,.,.,*,.,.,********************,********************,.,.,.,.,.,.,.,*,.,.,.,.,******************************,1,1,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,1,Chicago,IL,USA,1,Real Estate appr.,2,5,0,1,Acquired knowledge of the financial issues.,Business,12,91,2,*,*,*,2,0,Building I purchased that had available space.,Real estate management,1,*,2,*,0,0,0,0,5000,.,0,*,0,*,5000,1,5000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,5000,.,.,*,.,*,Lender 1,They did minority lending,Chicago,IL,USA,1,.,2,.,8,*,1,30,0,1,Property,310000,310000,2,.,Lender 2,They did minority lending,Chicago,IL,USA,2,.,.,.,9,*,1,20,0,1,Property,204000,204000,2,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"I really didn't have any serious difficulties at all.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,50000,1,Manager/owner,.,2,Attorney,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager/owner,40,1,A,2,Manages the operation,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Referred,0,5,1,Chicago,IL,USA,1,.,2,*,0,6,1,Palos Hill,IL,USA,2,.,1,Referred,0,6,1,Chicago,IL,USA,1,.,1,Referred,0,6,2,********************,**,**********,.,.,.,*,.,.,1,1,I employ whoever comes in for a job if they are appropriate for position,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Friend,0,6,1,1000,30 days net,0,30,0,"I don't know",2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Not particular,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Real Estate owners,A,1,Church member,1,.,.,.,.,Interviewing tenants/repairing apartments,At lunch,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,25,5,********************,A,1,Just met,1,.,Chicago,IL,USA,Tenants/repairs,Here at office,B,1,***********,1,.,Chicago,IL,USA,Tenants/repairs,Here at office,C,1,Just met,1,.,Just met,Chicago,IL,USA,Tenants/repairs,Here at office,1,********************,85,0,0,0,15,.,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,1,2,2,2,*,2,*,2,*,1,.,I think my children could do it.,*,Just getting rid of this stuff.,"In Chicago, IL",750000,500000,2,1,.,********************,.,.,2500,2,350000,1,100000,1,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,452000,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,0,0,0,0,100000,100,0,0,0,0,0,0,0,0,********************,100000,5000000,0,0,0,0,5000000,.,.,5000000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,1,2,2,2,*,1,2,*,.,.,-4,1,.,.,1,2,.,.,-4,1,.,.,1,1, -2,.,1,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,12,50,2,3,, 410,7,28,97,5,10,2,1,67,Alabama,1,2,********************,********************,2,*,A,2,2,64,"Chicago, IL",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,4,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,50,1,Chatham,.,50,1,2,*,40,Coal miner,1,1,******************************,1,1,5,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,-2,Chicago,IL,USA,1,Welder,0,11,0,2,*,Business,6,64,4,*,*,*,2,0,I had to move from where I was--a guy went out of business so I moved here.,"Flowers--funeral designing, weddings, banquets or whatever the occasion.",1,*,2,*,350,0,0,0,0,*,0,*,0,*,350,1,0,0,0,0,*,100,0,0,0,0,********************,0,1,0,0,0,0,250,0,0,0,0,350,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I really didn't need it because everything was already set up.","Learning--I didn't know one flower from another but I like challenges and so far it paid off being in business--it's no play thing--you've got to learn a lot about everything.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Everything,40,2,A,2,Answer phone & spend money,40,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,Because their hungry & looking for a job now.,0,6,0,.,.,"Lazy and don't want to work--they think they're suppose to watch TV and do nothing.",2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referred,0,18,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,"I can't because they don't grow no flowers or have green houses.",*,.,*,Supplier 1,Oak Park,IL,USA,2,1,1,Referred,0,18,1,120,Get it whenever I get it (no terms),0,0,0,.,2,.,*,.,.,.,*,Supplier 2,Hammond,IN,USA,2,1,1,Referred,0,18,1,0,No terms,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Referred,0,18,1,0,No terms,0,0,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No response,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Really nobody--it was my uncle who started it.,A,14,N,1,.,Chicago,IL,USA,I just learned the business by watching him,At his shop,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,4,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,1,Through different friends,Monthly/30 days,0,1,0,1,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,1,"I don't have any.",1,Try to sell more--go and expand other items or goods,1,.,Keep it in the family,*,Lay up and get plenty of rest and travel,Moving to Alabama,.,.,1,2,2,********************,2,1,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,.,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,3,********************,.,6,25,2,3,, 412,1,15,98,1,0,2,2,64,Arkansas,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,16,3,*,USA,5,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,47,1,Calumet Heights,.,24,1,2,*,15,He was a farmer--owned 385 acres of farm land,1,3,******************************,1,1,9,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,RN,0,.,.,3,*,Business,9,83,2,*,*,*,2,0,I was going to buy another one down the street but the realty did not want a health food store there.,Health food,1,*,2,*,250,25000,0,1000,0,*,0,*,0,*,26250,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,26250,0,0,0,0,26250,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need a loan","I can't think of any --everything was smooth.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,RN,.,2,A,12,Assistant manager,40,1,B,11,Sales,16,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Walked in and sold himself,0,14,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,N,0,4,2,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,2,Why not,*,.,*,Supplier 1,Chicago,IL,USA,2,.,1,Recommended,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Glen Heights,IL,USA,.,.,1,Recommended,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Valpariso,IN,USA,.,.,1,Referred,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Just my husband,A,2,N,1,.,.,.,.,Getting started,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,1,.,I would like to leave them the business,*,"I haven't thought about it.",Somewhere very warm.,.,.,1,2,2,********************,1,.,500,2,695,2,210,2,132,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,536,2,0,.,0,.,500,1,0,.,0,.,0,.,0,.,*,2573,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Refused,.,70000,60000,80,10000,20,0,0,0,0,0,0,0,0,0,0,********************,70000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,1,2,2,2,2,1,2,2,2,2,2,*,1,1,Fire/theft,100000,500,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,1,50,2,2,, 413,8,31,97,1,30,2,1,32,"Aman, Jordan",2,6,Pakistian,********************,2,*,A,2,2,26,"Aman, Jordan",6,Pakistian,********************,7,*,B,6,1,4,USA,6,Pakistian,********************,9,Child,C,15,2,5,USA,6,Pakistian,********************,9,Child,D,5,2,2,USA,6,Pakistian,********************,9,Child,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,14,2,*,Jordan,6,*,.,*************************,1,.,*,.,*,2,Arabic,1,1,3,Arabic,91,********************,********************,********************,7,1,Alsip,.,.,.,2,*,72,He has his own business--same as me.,1,2,******************************,5,1,9,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,1,97,1,*,I opened the business myself,It was for rent,2,0,Busy area,Groceries,2,"Live catfish, soda, cold cuts, meats, milk, groceries.",2,*,1200,35000,0,30000,0,*,0,*,0,*,66200,1,0,10000,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,30000,0,0,0,0,0,40000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I wanted to develop my own store and have everything to try to help more people,No it was too slow because it was a bit of competition around.,2,*,1,1,Partner 1,21,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,We work full-time taking care of delivery and one stays in the store,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"We don't need anymore and developing the business we have other things to do.",72,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,6,1,Word of mouth,8,0,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Heard it was a good company,1,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,I choose because they do better service,2,*,Supplier 1,Chicago,IL,USA,2,.,1,Heard about,7,0,1,0,30 days,0,30,0,"I haven't done it",2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,.,1,Heard about,7,0,1,0,30 days,0,30,0,"I haven't done it",2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"This is the first time I haven't looked for any.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Nobody, I have experienced.",A,21,N,1,.,Chicago,IL,USA,The store,Here at the store,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,When I know the customers who are honest--I give it to them.,By the fact they are honest.,0,0,0,2,2,1,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,1,"Because I'm making money and I put back into the store.",1,"I'm gonna have a respectful business, send out fliers to customers and hire someone for the meat department.",2,.,*,"I'm gonna sale the business if I retire.",Staying in Chicago,Chicago,.,.,2,2,2,********************,2,2,20000,2,1200,2,500,2,120,2,300,2,0,.,0,.,0,.,0,.,0,.,40,2,80,2,300,2,0,.,1000,1,0,.,0,.,0,.,0,.,*,23540,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,DK,.,120000,45000,40,55000,40,20000,20,0,0,0,0,0,0,0,0,********************,120000,1000000,0,0,0,0,1000000,100,Store assets,1000000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,Only on holidays,I do nothing different,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,1,1,.,.,1000,1,1,.,1000,1,1,.,1000,1,1,1000000,1000,1,1, -2,1000,1,1,.,1000,1,2,*,.,.,-4,.,3,********************,.,3,0,2,1,, 415,1,30,98,9,30,1,1,29,NC,1,2,********************,********************,2,*,A,2,2,28,IL,2,********************,********************,1,*,B,5,2,1,IL,2,********************,********************,9,Infant (9 mos.),C,5,2,6,IL,2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,20,1,Morgan Park,.,2,1,2,*,30,Postal worker,1,1,******************************,4,1,1,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,12,96,2,*,*,*,2,0,Strategic marketing for the business,"It's a barber shop--we cut and style hair.",1,*,2,*,2000,10000,0,0,0,*,0,*,0,*,12000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,6000,0,0,6000,0,0,0,0,12000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,I was banking there,1,2,1,Chicago,IL,USA,7000,Credit problems,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Just working on the shop it self.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Working,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are not barbers.,30,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,4,3,1,0,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,1,2,2,2,2,2,1,2,2,2,*,"It's easier.",1,0,0,.,.,Not being able to maintain clientel.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Use to work with him,0,2,1,Chicago,IL,USA,1,.,1,Through a client,0,2,1,Homewood,IL,USA,2,1,1,Through auto insurance,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,We just met through association.,*,.,*,Supplier 1,Chicago,IL,USA,2,3,1,Friend,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Friend,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Owner,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other business owners,A,1,Business owner in area,1,.,Chicago,IL,USA,Getting started,Their place,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,0,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,1,Expanding to a larger space or getting my own property.,2,.,*,DK,No,DK,.,.,1,2,2,********************,2,1,6000,1,10800,1,3600,1,2160,1,600,1,0,.,0,.,0,.,0,.,0,.,0,.,1200,1,500,1,2000,1,125,1,400,1,0,.,0,.,0,.,*,27385,1,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,1000,*,.,30000,10000,33,20000,67,0,0,0,0,0,0,0,0,0,0,********************,30000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, liability, theft",40000,150,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,10,15,1,2,, 419,7,20,97,11,25,1,1,57,Arkansas,1,2,********************,********************,2,*,A,2,2,54,Arkansas,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,8,Church of God,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,35,1,Marquette Park,.,10,1,1,I do maintenance,12,"He was a farmer--I guess whatever had to be done, he did it.",1,2,******************************,1,4,4,********************,5,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,1,Chicago,IL,USA,1,.,.,.,.,2,*,Business,11,91,5,Cousin & I started,*,*,2,0,It was available for rent so I just started out.,Washing clothes,1,*,2,*,400,12000,20,0,0,*,0,*,0,*,12420,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,12420,0,0,0,0,12420,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I had a little money, so I didn't need it.",Learning how to work on machines--when machines break down I work on them myself.,2,*,1,1,Partner 1,21,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Business owner,.,2,Work another business,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have other positions,12,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,"Most of the time people tell other people--I don't have problem with that.",1,0,0,3,0,Find something different to do.,2,*,.,*,1,Dolton,IL,USA,2,.,1,Referral,0,3,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I just never thought too much of it .,1,I was looking at a magazine or something about we could get money.,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I stay so busy I just don't know.","I didn't really talk to nobody --it was something I wanted to do.",A,21,N,1,.,Chicago,IL,USA,Cousin approached him about the business,At his cleaners,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,0,********************,0,0,0,0,********************,0,0,0,5,Arabic,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,1,2,2,2,2,*,1,If I had the money I would get new machines in here.,2,*,2,.,*,"Too much of a headache and I'm tired of it.","Probably here in Chicago, IL","Chicago, IL",19000,.,1,2,2,********************,1,.,25,2,550,2,1000,2,700,3,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,125,1,0,.,0,.,0,.,0,.,*,2375,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,"Split up everything--water bill, light bill, gas bill.",.,12000,0,0,.,90,0,0,0,0,0,0,0,0,0,0,********************,17500,.,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,"Need consumers to pay $30 a week in order for business to survive--But that's not happening, the business not making enough money right now.",From a little money I make I used for the busines --I had the gas cut off a few weeks ago (?),2,2,2,2,2,2,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,1,"I don't know what to say on this--business hasn't been good.",1,1,Triple A,.,.,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,2,.,.,12,45,2,2,, 423,7,22,97,10,0,1,1,32,Hebron,2,6,Arab,********************,2,*,A,2,2,25,Kuwait,6,Arab,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,5,*,.,*************************,1,.,*,.,*,2,Arabic,1,2,1,*,84,********************,********************,********************,13,1,"Near O'Hara",.,3,1,2,*,60,Import/export,1,1,******************************,1,3,9,********************,5,.,1,1,Prior Business 1,Grocery products,Carbondale,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,96,1,*,Bought,Ad ""FOR SALE"",2,.,Already here,"Groceries, produce, fresh meat",1,*,2,*,3000,80000,6000,100000,0,*,0,*,0,*,189000,1,0,60000,40000,0,*,40000,0,0,0,0,********************,40000,1,0,0,0,0,0,0,0,0,0,180000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Because took over mortgage,Trying to get people familiar with business,1,"First year, must be tight on money",1,2,Partner 1,21,*,1,.,33,1,Partner 2,21,*,1,.,33,1,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,34,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,34,2,*,1,Lender for Operation,They know we have good management,Chicago,IL,USA,2,.,1,.,100000,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,.,*,.,Business partner,60,1,A,21,Business partner,60,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,0,3,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,1,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,1,2,2,2,2,*,.,7,0,0,0,3,.,2,*,.,*,1,Chicago,IL,USA,2,2,1,Referred,6,1,1,Chicago,IL,USA,2,1,1,Referred,6,1,1,.,.,.,2,.,1,Referred,6,1,1,Chicago,IL,USA,2,.,1,Referred,6,1,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,.,.,1,.,6,1,1,100000,One year,.,.,.,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,.,.,1,.,1,6,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,.,.,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Talked to wholesalers about inventory to do business.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,5,5,********************,A,1,Building Owner,2,2,.,.,.,"How to pick up business, money",At office,B,1,Investor,2,2,.,.,.,About area,Office,C,.,*,.,.,.,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,1,2,2,2,2,2,2,1,2,2,2,*,2,2,1,2,2,2,*,2,*,1,"Some good sources like M.D.'s express to add to place",2,.,*,.,Own my own home,Anywhere no headache from people,.,.,.,2,1,21,.,.,70000,.,2500,.,3000,.,3400,.,500,.,6000,.,0,.,1000,.,500,.,1000,.,200,.,200,.,500,.,100,.,900,.,500,.,0,.,0,.,0,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,120000,.,60000,.,80000,.,0,0,2000,.,0,0,0,0,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,1,2,2,2,2,2,2,2,2,*,1,1,Insure Plus,200000,400,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,11,30,1,3,, 433,7,9,97,10,22,1,1,26,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,11,0,*,********************,1,*,1,*************************,2,8,None,.,*,1,*,.,.,1,*,.,Africa,.,********************,97,.,Avalon,.,5,1,2,*,14,Security work--,1,1,******************************,5,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,2,Chicago,IL,USA,1,Light industrial,0,2,0,2,*,Business,1,97,2,*,*,*,2,0,Affordable rent plus I wanted it in the black community,A large selection of condoms at some of the lowest prices.,1,*,2,*,850,700,0,4000,125,License,300,Advertising,0,*,5975,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,5975,0,0,0,0,5975,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't qualify",Just finding the rent I could afford,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,14,2,A,21,Sales person,10,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,.,22,N,1,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,New York,NY,USA,1,.,1,Address on back of the condom box,5,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Oakland,CA,USA,2,1,1,Address on the back of condom box,5,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Sacramento,CA,USA,2,1,1,Address on the back of condom box,5,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"No particular reason, I just don't.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Family,A,21,N,1,.,Chicago,IL,USA,Investing,My apartment,L,21,N,1,.,Las Vegas,NV,USA,Investing,Telephone,C,21,N,1,.,Chicago,IL,USA,Investing,My apartment,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,85,5,0,10,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,1,2,2,2,2,1,2,2,*,2,2,2,2,1,2,*,1,I do not have personal credit. Banks will not give me a line of credit until I have been opened for three years.,1,Another store and loan toward wholesale as well as retail,1,.,Because I want it to stay in the family,*,To be financially secure,"Chicago, IL",.,.,2,2,2,********************,2,1,350,2,425,2,100,2,30,2,150,2,0,.,0,.,0,.,30,2,0,.,0,.,250,2,100,2,0,.,0,.,0,.,0,.,0,.,0,.,*,1435,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,3500,.,40,.,60,0,0,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Theft, liability",50000,30,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,11,32,1,2,, 443,3,11,98,11,30,1,2,.,Korea,2,3,********************,Korean,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,3,*,15,1,*,2,*************************,1,.,*,.,*,2,Korean,2,2,3,Korean,73,********************,********************,********************,25,1,North Shore,.,10,1,2,*,40,Businessman--he manufactured watches,1,3,******************************,1,2,2,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,3,Chicago,IL,USA,1,Teller,0,0,3,1,Counting money and identifying counterfeit money and scheme artist,Business,12,78,2,*,*,*,2,0,It was the closet I could find,We sell clothes--hats and suits,1,*,2,*,500,0,0,.,0,*,0,*,0,*,500,.,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,0,.,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I felt they would refuse me,Theft,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't want to, they are doing something else",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,1,0,0,0,0,0,0,0,0,********************,1,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,2,2,2,1,Friend,I know and trust them,3,0,0,2,0,They go back to school,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referred,0,19,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,.,TX,USA,2,.,1,"They're famous",0,15,1,2000,30 days,.,30,0,Charge 20% interest,2,.,*,.,.,.,*,Supplier 2,.,NY,USA,2,.,1,"They're name",0,19,1,1500,30 days,.,30,0,Charge interest,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"They don't really help each other, they just talk about what you already know",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friend,A,1,N,1,.,.,NY,USA,Finishing school to start a business,My place,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,0,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,I want to forget about it,Enjoying my life,Chicago,.,.,1,2,2,********************,2,1,1000,2,700,2,300,2,0,.,300,2,0,.,.,.,0,.,0,.,0,.,50,2,100,2,0,.,50,2,21,2,167,2,0,.,0,.,0,.,*,2688,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,85,.,15,0,0,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,12,20,2,2,, 445,8,26,97,4,0,2,1,65,Louisiana,1,2,********************,********************,2,*,A,2,2,63,Chicago,2,********************,********************,7,*,B,6,1,21,Chicago,2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,11,0,*,********************,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,43,1,Dolton,.,8,1,1,I was a LOTTO WINNER (well publicized),20,Work for Coca-Cola,1,1,******************************,2,1,9,********************,1,1,1,1,Prior Business 1,Transport,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,9,69,2,*,*,*,2,0,Worked at 78th & Cottage--this was right around the corner plus I wanted to be close by.,"Headstones, make church cornerstones & human-like statues.",1,*,2,*,1000,4000,0,0,0,*,0,*,0,*,5000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,5000,0,0,0,0,5000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Didn't neet it","Getting the public to come in--I used my own money, I was a LOTTO WINNER!",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,EW,30,1,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,4,0,4,0,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,2,2,1,They are retired or family I know them,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,To insure they are capable of what I like done,7,0,0,.,.,2 died,2,*,.,*,1,Chicago,IL,USA,1,.,21,*,0,30,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,.,1,N,0,30,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Referred,0,10,1,0,Net 30 days,0,30,0,Never exceeded,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Soon to join the Chamber of Commerce,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends in funeral business,A,14,N,1,.,.,LA,USA,His business experiences,Louisiana,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,1,5,********************,A,22,N,1,.,Chicago,IL,USA,Business cost/funeral,Here,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,Their ability to repay & the arrangements they need.,Limit based on stone down payment--close book at time of burial.,0,1,0,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,2,1,A lot of competition,2,*,2,*,1,.,Would like to keep it in family,*,"Travel, enjoy life",Louisiana,.,.,1,2,2,********************,2,1,0,.,600,2,80,2,0,.,0,.,200,2,0,.,0,.,0,.,0,.,0,.,240,2,0,.,0,.,11,2,0,.,0,.,0,.,0,.,*,1031,2,1,Charity 1,2500,Charity 2,.,Charity 3,.,30000,.,Re-invest in business,30000,40000,30000,75,10000,25,0,0,0,0,0,0,0,0,0,0,********************,40000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago.,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,1,.,Slow business in the winter,It is a seasonal routine,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Use my own,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,1,.,.,.,2,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,3,********************,.,4,45,2,3,, 446,9,13,97,10,45,1,1,60,Mississippi,1,2,********************,********************,2,*,A,2,2,26,Chicago,2,********************,********************,3,*,B,12,1,3,Chicago,2,********************,********************,9,Child,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,12,1,*,USA,8,Baptist,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,43,1,Chatham,.,14,1,2,*,26,Farmer,1,2,******************************,1,3,8,********************,1,.,1,2,Prior Business 1,Dry cleaning,Chicago,IL,USA,1,*,Prior Business 2,"Alcohol, food",Chicago,IL,USA,2,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Supply manager,6,3,0,1,"How to deal with people (#1) I had 4 blacks and 2 whites--the blacks gave me problems whereas the whites didn't.",Business,9,67,1,*,It was two guys that owned this business & one of them sold his interest to me.,"I used to have cocktails here & that's how I met the owner & knew he wanted to sell.",2,0,It was already located here.,Liquor ( alcohol beverages),1,*,2,*,1000,500,0,500,0,*,0,*,0,*,2000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,1000,1000,0,0,0,0,2000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need it at the time.",I really never had any problems except learning the customers.--the most serious thing.,2,*,1,1,Partner 1,1,Already knew him,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,It was in the neighborhood,Chicago,IL,USA,1,.,1,To pay taxes and keep the going,76000,1,*,9,*,1,15,0,1,The business,150000,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I had an experience with relatives working--stealing from me. I don't want no family members working in my business.",26,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,1,1,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,1,2,2,2,2,2,2,*,"It's good to know someone that knows something about a person.",3,0,0,4,0,Better job or illness,2,*,.,*,1,Chicago,IL,USA,1,.,1,Other business owners,0,12,1,Chicago,IL,USA,2,1,1,Recommended,0,10,1,Chicago,IL,USA,1,.,22,N,0,20,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,I feel they are qualified,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,It was well known--major,0,12,1,500,Net 30 days,0,30,0,No new supplies,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,They made certain name brands I know,0,26,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,They had all the basic needs,0,25,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,They lobby for different causes/give scholarships,None,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,They try to get lawyers--to honor requests of business owners.,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I haven't had a need for them.",I talked the former owner and other business owners,A,1,Former owner,1,.,Chicago,IL,USA,General things about business,At this location,L,1,Former owner,1,.,Chicago,IL,USA,General issues,At this location,C,1,Former owner,1,.,Chicago,IL,USA,General subjects,At this location,1,4,4,********************,A,1,I knew his as a bartender,1,.,Chicago,IL,USA,General business,.,B,1,***********,1,.,Chicago,IL,USA,General business,.,C,1,Member of Association,1,.,Member of the Association,Chicago,IL,USA,General business,.,1,********************,85,10,3,0,0,********************,2,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,1,2,2,*,2,2,2,2,1,2,*,1,"We need minority banks that are suppose to lend money to Blacks but they lend it to Whites, they say Black institutions are too risky to lend money to, so that's been one of the problems.",1,Fundraisers/luncheons,1,.,"For a Black business to last this long, I'd like it to stay the same name & Black.",*,Hunt & fish,Live in Mississippi,84000,80000,1,1,.,********************,.,.,1600,2,1200,2,400,2,400,2,0,.,700,2,0,.,1600,2,0,.,0,.,50,2,50,2,36,2,480,2,166,2,75,2,0,.,0,.,0,.,*,6757,2,1,Charity 1,50,Charity 2,.,Charity 3,.,80000,.,Pay debts,.,150000,3000,2,12000,8,135000,90,0,0,0,0,0,0,0,0,********************,150000,60000,60000,100,0,0,0,0,.,60000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,450000,1700,1,2,.,.,-4,1,300000,1500,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,12,30,2,3,, 452,1,16,98,11,0,1,1,31,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,32,"New Orlean, LA",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,6,1,2,*,60,Professional hustler,1,2,******************************,4,3,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,Chicago,IL,USA,1,Bio-medical equip/tech,0,2,0,1,Bio-medical repairs/equipment management,Business,.,89,2,*,*,*,2,0,It was available and a busy intersection,Bio-medical sales and service,1,*,2,*,0,600,0,0,0,*,0,*,0,*,600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,600,0,0,0,0,600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"We didn't need it right away--we did not need an office at that time.",Getting people to confide in you and let you work on the equipment.,1,"We got more accounts--people wanted to be billed, so we had to buy the parts and be billed.",1,1,Partner 1,1,At Cook County Hosp.,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,1,Lender for Operation,Because they are next door.,Chicago,IL,USA,1,.,1,So we could buy new office space,68000,1,*,10,*,1,7,0,1,Equipment,60000,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They come through,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,3,0,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,1,1,2,2,*,.,.,.,.,.,.,*,2,1,2,2,2,1,2,1,2,2,2,*,"It's better for us.",0,6,0,3,0,Money,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,0,5,1,.,IL,USA,2,1,22,n,0,5,1,Westbrook,IL,USA,2,1,1,Partner,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,We just use what we were comfortable with.,1,DK,Supplier 1,.,OR,USA,2,1,1,Through Meer Dental,0,3,1,0,30 Days,.,.,.,.,2,.,*,.,.,.,*,Supplier 2,.,CA,USA,2,1,1,.,0,2,1,0,30 days,.,.,.,.,2,.,*,.,.,.,*,Supplier 3,.,WI,USA,2,1,1,.,0,5,1,0,30 days,.,.,.,.,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,1,.,Chicago,IL,USA,3,.,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Partner,A,1,Old job--worked together,1,.,Chicago,IL,USA,Opening our own business,His home or mine,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,2,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,1,Credit check,Negotiable,9,12,0,2,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Growth,2,*,2,*,1,.,"It's just right",*,"I don't have any, it's too soon to think about.",DK,250000,.,1,2,2,********************,2,.,10000,.,300,2,40,2,100,2,1300,2,4000,2,2000,2,0,.,0,.,0,.,50,2,175,2,100,2,100,2,10,2,0,.,0,.,0,.,0,.,*,18175,2,2,Charity 1,.,Charity 2,.,Charity 3,.,100000,.,Re-invest into business.,60000,500000,140000,28,100000,20,180000,36,0,0,80000,16,0,0,0,0,********************,500000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",2000000,7000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,12,10,2,2,, 459,12,23,97,6,0,2,2,43,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,14,1,*,USA,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,South Shore,.,5,1,2,*,40,Business owner,1,3,******************************,3,3,4,********************,1,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Administrative Asst.,0,15,0,2,*,Business,.,62,4,*,*,*,2,0,It was already here,"It's a lounge (entertainment)",1,*,2,*,175,2000,0,1000,0,*,0,*,0,*,3175,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3175,0,0,0,0,3175,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not need it,Gangs,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No particular reason,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,1,2,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,"It's easier",2,0,0,2,0,Better jobs,2,*,.,*,1,Chicago,IL,USA,2,1,1,Family,0,10,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Family,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Already set up,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Already set up,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Already set up,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,None,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,None,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,3,3,*,*,"Don't know","Don't know",70000,60000,1,2,2,********************,1,.,450,2,795,2,300,2,125,2,50,2,1000,2,0,.,0,.,0,.,0,.,70,2,100,2,0,.,1000,1,0,.,50,2,0,.,0,.,0,.,*,3940,2,2,Charity 1,.,Charity 2,.,Charity 3,.,70000,.,Put back into business,60000,90000,70000,80,20000,20,0,0,0,0,0,0,0,0,0,0,********************,90000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,2,2,2,2,2,2,2,2,2,1,1,2,*,1,1,"Fire, theft, liability",100000,150,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,7,0,2,2,, 461,9,15,97,-3,-3,-3,2,52,"Houston, MI",1,2,********************,********************,2,*,A,2,1,62,"Atmore, AL",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,33,1,87th & Anthony,.,39,1,2,*,55,Farmer--owner--crops,1,2,******************************,1,3,1,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,1,2,*,1,2,Chicago,IL,USA,1,Cashier/manager,.,8,0,1,Bookkeeping/cooking/everything,Business,3,89,5,Married into,*,*,1,1,Husband chose location,Food--takeout/dine in,1,*,1,African-American,0,0,0,10000,0,*,0,*,0,*,10000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,10000,0,0,0,0,10000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Husband saved the money,Husband never told me,.,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I wouldn't even hire them--have no children",55,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,9,7,2,0,9,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,2,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Unemployment signs in window(office),It works,14,0,0,5,1,Fired for not coming to work.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Looked for ourselves,0,5,1,Chicago,IL,USA,2,1,1,Business Associate,0,8,1,Chicago,IL,USA,2,1,1,Referral,0,35,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,No particular reason,2,*,Supplier 1,Chicago,IL,USA,2,.,1,.,0,8,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,.,0,30,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,5,1,.,0,6,.,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Husband started--I just married into so I really don't know",A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,0,0,0,0,********************,0,0,0,0,********************,0,0,0,10,Mixed,3,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,2,2,2,2,2,*,2,*,2,*,2,.,*,Have no children,Travel,Chicago,.,.,1,2,2,********************,1,.,4000,2,1085,2,7800,1,0,.,0,.,.,.,.,.,0,.,0,.,0,.,0,.,100,2,0,.,0,.,600,1,0,.,0,.,0,.,0,.,*,5785,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,1,2,2,2,2,2,2,1,Travel,1,1,"Fire, theft, liability",300000,6000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,2,, 462,5,11,98,1,15,2,1,37,Palastine,2,6,Muslim,********************,2,*,A,2,2,27,Palastine,6,Muslim,********************,3,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,26,5,*,.,*************************,1,.,*,.,*,2,Arabic,1,2,3,Arabic,88,********************,********************,********************,10,1,Alsip,0,6,1,2,*,40,He was a farmer,2,.,******************************,4,3,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,88,1,*,I bought it,I just spotted the space and rented it.,2,0,Busy area,"liquor & grocery's",1,*,2,*,1200,40000,0,10000,6,0,0,*,0,*,51200,1,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,51200,.,.,.,.,51200,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not need to,Lounge,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't need them",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,5,0,5,0,5,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,2,*,I watched them come in here and after so long I asked them if they wanted a job.,9,0,0,3,0,Moved to find another job,2,*,.,*,1,Chicago,IL,USA,1,.,1,Phone,.,10,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,N,N,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,.,.,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,.,.,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,3,1,Its a good income,*,I do not know yet,"I don't know",35000,35000,1,2,2,********************,2,1,48000,1,14400,1,12000,1,3000,1,3600,1,60000,1,55000,1,0,.,0,.,0,.,2400,1,1800,1,1200,1,2400,1,2725,1,0,.,0,.,0,.,0,.,*,206525,1,2,Charity 1,.,Charity 2,.,Charity 3,.,50000,.,Put it into the business,40000,80000,40000,50,40000,30,0,0,0,0,0,0,0,0,0,0,********************,80000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability",610000,3000,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,1,55,2,2,, 468,11,18,97,12,30,2,1,54,IL,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,4,1,2,*,40,Fisher--father had fish market,1,2,******************************,4,3,1,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Chef-cook,0,10,.,2,*,Business,.,94,2,*,*,*,2,0,Because the rent was cheap.,"Sale and design clothes, alterations and custom tailoring",1,*,2,*,770,800,0,10000,0,*,0,*,0,*,11570,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,11570,0,0,0,0,11570,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Because I didn't want to go into debt. I had been working 2 and 3 jobs so I did it myself.",It was dealing with these drug dealers aggrevation and setting my prices according to the income of the neighborhood--bad credit cards.,1,I went into debt a little and I was behind in my sales.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I just don't",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,In neighborhood,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives and friends,A,7,N,1,.,Chicago,IL,USA,Going into business,Her home,B,22,N,1,.,Chicago,IL,USA,Going into business,His place of busines,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,4,.,*,*,*,*,.,.,1,2,2,********************,1,.,400,2,300,2,275,2,300,2,0,.,0,.,.,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,250,1,100,1,0,.,0,.,0,.,*,1625,.,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,"I put right back into the business and paid my bills. I don't even pay myself.",.,.,.,50,.,50,0,0,0,0,0,0,0,0,0,0,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,1,50,2,2,, 469,1,24,98,10,0,1,1,80,Mississippi,1,2,********************,********************,2,*,A,3,2,98,Mississippi,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,58,1,Chatham,.,7,1,2,*,40,He was a farmer.,1,1,******************************,1,5,6,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,I was in the military.,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,60,2,*,*,*,2,0,"The streets seem pretty nice then, that's when you had mostly whites here.","Shoe shines, shoe repairs",1,*,2,*,90,700,0,200,0,*,0,*,0,*,990,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,990,0,0,0,0,990,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I don't know. I guess I was always affraid of debt.",Try to get it off the ground-people would come in and leave their shoes and I would buy material to fix them and they would not come back.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They all have other jobs and my kids live in Minnesota.,40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Friend,0,13,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I'm too old for that and so is my business.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friend,A,1,N,1,.,Chicago,IL,USA,Everything--we just talked.,63rd & Racine,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,1,.,"I told my son when he retire from his job he could take over the business--he's 62, so that should be soon.",*,Nothing,Here in Chicago,.,.,2,2,2,********************,2,1,50,2,125,2,100,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,50,2,0,.,0,.,6,2,20,2,0,.,0,.,0,.,*,351,2,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,.,*,.,20000,2000,20,18000,80,0,0,0,0,0,0,0,0,0,0,********************,20000,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,10,45,1,2,, 474,10,17,97,-3,-3,-3,1,39,Jordan,2,3,********************,Arab****************,2,*,A,2,2,30,Jordan,3,********************,Arab,7,*,B,6,1,8,Chicago,3,********************,Arab,8,*,C,5,2,6,Chicago,3,********************,Arab,8,*,D,6,1,4,Chicago,3,********************,Arab,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,0,*,********************,3,*,.,*************************,2,8,Christian,.,*,2,Arabic,1,.,3,Both equally,75,********************,********************,********************,22,1,Morton Grove,.,15,1,2,*,20,Construction worker in Jordan ,1,1,******************************,5,1,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,8,1,Chicago,IL,USA,1,Manager,10,5,.,1,How to manage a business,Business,3,93,1,*,Thru friends,Saw that business was run down,2,0,Saw before & how mismanaged,Grocery,1,*,2,*,.,.,.,.,.,*,.,*,.,*,.,.,0,0,0,0,*,0,0,0,0,0,********************,150000,1,0,0,0,0,0,0,0,0,0,150000,.,.,*,.,*,Lender 1,They saw I was a good investment,Hodgins,IL,USA,2,.,2,.,.,.,1,5,0,2,********************,.,150000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Recommended by friend,1,1,.,Chicago,IL,USA,150000,Self-employed,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Turning a run down store around,1,Cash flow,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,.,Hodgins,Il,USA,1,.,1,Equipment,150000,1,*,.,*,1,.,.,2,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,20,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,10,10,0,0,4,6,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,2,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Word of mouth,hard to get good people off the street,.,.,.,2,0,"Leave on own--change jobs, drug problems",2,*,.,*,1,LaGrange,IL,USA.,1,.,1,Referral,0,5,1,LaGrange,IL,USA,1,.,1,Referral,0,5,1,Chicago,IL,USA,1,.,1,Walk-in,0,1,1,.,.,.,2,.,1,Referral,0,5,2,********************,**,**********,.,.,.,*,.,.,2,.,*,Whoever can do the best job,.,*,Supplier 1,Hodgkins,IL,USA,2,.,1,Certified store,0,7,1,10000,.,5,7,0,.,1,.,.05 per week,.,.,.,Never go over,Supplier 2,Chicago,IL,USA,2,.,1,Certified store,0,7,1,0,Net 30,.,.,.,.,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,.,1,Certified,0,7,.,.,*,.,.,.,*,2,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,.,1,Chatham Business Association and Jordan Businessmen Association,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,No time,Wife--very little,A,2,N,1,.,.,.,.,Going out on my own,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,0,********************,0,0,0,0,********************,0,0,0,5,Mixed,2,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,1,1,2,*,2,*,1,Improve the appearance of store--new signs--repair parking lot.,2,.,*,Want children to do something else,"Haven't though much about it.",No idea,1000000,.,1,2,2,********************,2,1,45000,2,2800,2,4000,2,5600,2,600,2,4000,4,4000,2,.,.,.,.,.,.,2000,2,200,2,675,4,200,2,2600,.,0,.,0,.,.,.,0,.,*,.,.,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,50,150000,50,0,0,0,0,0,0,0,0,0,0,********************,.,450000,0,0,0,0,450000,100,Loans to Certified,450000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,2,1,2,2,2,1,1,2,2,*,1,1,Liability/business interruption,135000,5600,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,1,, 475,8,12,97,6,0,2,1,61,Georgia,1,2,********************,********************,2,*,A,2,2,62,Florida,2,********************,********************,7,*,B,5,2,36,Chicago,2,********************,********************,1,*,C,5,2,13,Chicago,2,********************,********************,8,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,8,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Georgia,.,********************,40,1,Chatham,.,10,1,2,*,96,He was a farmer,1,2,******************************,1,3,11,Buy new equipment,5,1,1,1,Prior Business 1,Auto repair,Chicago,IL,USA,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Self-employed auto mechanic,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,3,85,2,*,*,*,2,1,I was driving by in my car and I noticed the lot was for rent. I called the number and made a deal with the owner of the lot.,New and used tires and some auto repairs,2,Nothing--it was just a vacant lot.,2,*,20,0,0,0,0,*,0,*,0,*,20,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,20,0,0,0,0,20,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had $20 to spare.,Building up my business--becoming better known in this area.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are not interested in this business. My oldest daughter has a college degree and is in another career.,96,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,6,6,0,0,6,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,1,2,2,2,2,*,Because the people who work here know what the job is all about.,21,0,0,0,8,To get a better paying job.,2,*,.,*,1,Chicago,IL,USA,2,1,1,Yellow pages,0,4,1,Chicago,IL,USA,1,.,22,N,0,10,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Neighbor,0,5,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't have time.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Nobody--I had the idea and then I saw this lot and found out about the rent.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,3,3,2,0,********************,0,1,0,1,"I don't know",0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Working capital,2,2,2,2,2,1,Working capital,2,*,1,"I want to move into more new stuff like parts and tires and away for the used stuff--I want to get better, more high tech equipment.",1,.,"I'd like to see the business grow and stay in the family.",*,"I'd like to sit down and go fishing.",Chicago,100000,.,1,1,.,********************,.,.,1500,2,0,.,50,2,0,.,0,.,4000,2,0,.,0,.,0,.,50,2,5,2,50,2,50,2,0,.,0,.,0,.,0,.,0,.,0,.,*,5705,2,1,Charity 1,300,Charity 2,.,Charity 3,.,.,.,Lived on it,.,.,.,40,.,10,.,50,0,0,0,0,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,South Holland,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,2,2,2,2,2,1,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,3,********************,.,7,15,2,2,, 484,8,12,97,5,10,2,1,65,Mississippi,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,8,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,50,1,Austin,.,12,1,1,Foreman--company makes printing ink--I clean machines.,84,Farmer--worked family farm.,1,2,******************************,1,1,4,********************,2,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,3,Bedford Park,IL,USA,2,Foreman,5,41,0,1,Cleaning--keeping it clean.,Business,5,61,1,*,Took over from previous owner.,Friend,2,0,Friend told me the business was for sale.,Bar--sell drinks (alcohol beverages),1,*,2,*,175,3000,0,3000,60,Light,40,Telephone,0,*,6275,1,1500,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,2500,2500,0,0,0,0,6275,.,.,*,.,*,Lender 1,To be safe,Chicago,IL,USA,2,1,2,.,5,*,1,3,0,2,********************,.,1500,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Police harassed me when I first opened. Just around closing time they would come in and just stand around.,2,*,1,1,Partner 1,8,*,1,.,50,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Foreman,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are not reliable.,28,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,1,1,********************,1,4,0,4,0,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,2,2,2,*,.,.,.,.,.,.,*,1,.,2,2,1,2,2,2,2,2,2,*,They are more reliable.,7,0,0,0,6,Fired for not coming to work.,1,Tavern,2,*,1,Chicago,IL,USA,1,.,1,Thru friend,0,25,2,********************,**,**********,.,.,.,*,.,.,1,Oakbrook,IL,USA,2,1,1,Rcommended by previous owner,0,36,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Whiskey Distrib.,0,20,1,800,Net 30 days,0,0,0,Cancel account,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Liquor salesman,0,15,1,0,Net 30 days,0,0,0,Cancel account,2,.,*,.,.,.,*,Supplier 3,Oak Park,IL,USA,2,1,1,Walk in,.,.,.,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Discount on whiskey,All,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,People who are already in business,A,8,N,1,.,Chicago,IL,USA,Buying a bar,His house,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,8,3,********************,A,1,At his bar,1,.,Chicago,IL,USA,How to make more money,At his bar,B,1,***********,1,.,Chicago,IL,USA,How to make more money,At his bar,C,.,*,.,.,At his bar,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Spendable cash up and down for customers,2,*,1,Go to visit more bars and they wil come and visit you.,1,.,Would like to keep it in the family.,*,Work in bar part time,Same house,20000,.,1,2,2,********************,2,1,2500,2,500,2,250,2,900,1,0,.,250,4,3000,1,0,.,0,.,0,.,0,.,0,.,150,2,0,.,2200,1,0,.,0,.,0,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,3000,10000,7000,60,3000,20,0,0,0,0,1500,20,0,0,0,0,********************,11500,800,800,100,0,0,0,0,.,800,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,1,Drum Shop,.,900,1,1,1,********************,.,6,40,2,1,, 490,1,10,98,2,30,2,2,53,Arkansas,1,2,********************,********************,2,*,A,2,1,54,Arkansas,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,34,1,Ashburn,.,34,1,1,Real Estate--selling of property,50,Construction worker--building homes.,1,1,******************************,5,1,9,********************,5,1,1,1,Prior Business 1,Buy/sell property,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Working out of my house,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,11,84,2,*,*,*,2,0,I live in the area and 79th Street is very busy.,.,2,Dress making and tailoring,2,*,400,0,0,1000,0,*,0,*,0,*,1400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1400,0,0,0,0,1400,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't want any debt.",Crime--high crime area.,2,*,1,1,Partner 1,2,*,1,.,50,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,1,Lender for Operation,I bank there,Chicago,IL,USA,2,1,1,Mortgage,127000,1,*,.,*,1,5,0,1,Property,350000,1,1,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,L,2,1,.,Chicago,IL,USA,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,9000,1,Real estate,.,2,Real estate,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't need anyone",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Thru husband,0,10,2,********************,**,**********,.,.,.,*,.,.,1,.,.,.,1,.,1,Thru husband,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,I just employ the person for service not race.,*,.,*,Supplier 1,New York,NY,USA,2,1,1,"Buyer's show",0,10,1,0,.,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,2,1,1,Went to New York,0,10,1,0,.,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Los Angeles,CA,USA,2,1,1,Buying in New York,0,10,1,0,.,0,0,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,1,Harris Bank and SBA loans,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I don't need it.",.,A,2,N,1,.,Chicago,IL,USA,How to get started,At home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,2,0,0,5,Hispanic,0,0,3,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,2,1,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,2,*,1,Expand,1,.,Because I have done very well and it can go on--people will always buy clothing,*,I have none,Chicago,.,.,2,1,.,********************,.,.,5000,2,1800,2,600,2,200,2,0,.,0,.,.,.,.,.,0,.,0,.,50,2,200,2,8,2,0,.,10,2,0,.,0,.,0,.,0,.,*,7868,2,1,Charity 1,500,Charity 2,500,Charity 3,2000,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,1,2,2,2,2,2,2,2,2,*,.,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,3,40,2,3,, 500,7,23,97,11,0,1,1,58,Mississippi,1,2,********************,********************,2,*,A,2,2,54,"Chicago, IL",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,8,Pentacostal,1,.,*,.,*,1,*,.,.,1,*,.,England,USA,.,42,1,West Park Manor,.,28,1,2,*,38,Shipping/receiving for RR,1,1,******************************,2,3,8,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,1,2,*,1,2,Chicago,IL,USA,1,Free lance sales,0,2,0,1,Sharpened sales skills and management skills.,Business,4,95,1,*,Bought it,I worked here,2,0,It was already here,Commercial printing,1,*,2,*,500,950,0,1000,300,Maintenance of machinery,300,Ins,500,Utilities,3550,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3550,0,0,0,0,3550,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I used my own savings,Cash flow,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Had personal account with them,Chicago,IL,USA,1,.,1,Line of credit,25000,1,*,11,*,2,.,.,1,Home,70000,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,38,1,A,2,Office manager,25,1,B,6,Accounting,30,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,0,2,1,Chicago,IL,USA,1,.,22,N,0,2,1,Midlothian,IL,USA,1,.,1,Referral,6,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Friends and easy access,*,.,*,Supplier 1,Midlothian,IL,USA,2,1,1,Referral,0,2,1,1500,Net 30,0,30,0,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Referral,0,2,1,500,Net 30,0,30,0,.,2,.,*,.,.,.,*,Supplier 3,.,IA,USA,2,1,1,Referral,6,1,1,300,Net 30,0,30,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I have not had the time to join--too busy starting business.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Friends, lawyers, relatives",A,14,N,1,.,Chicago,IL,USA,How to set up a business,His office,K,1,Business referral,1,.,Chicago,IL,USA,"Business start up, finance",His office,C,2,N,1,.,Chicago,IL,USA,"Managing, start up, accounting, finance--everything.",Home,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,75,25,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,Large companies and most non-profti organizations-net 30,Net 30 days,0,1,0,1,2,1,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Competition,1,To upgrade equipment,1,Color copy equipment--big demand for color products--upgrade computers,1,.,I would like to see the business continue.,*,In the next 5 yrs.--travel and devote time to the church.,Same house,100000,.,1,2,2,********************,1,.,1000,2,500,2,500,2,300,2,100,2,1000,2,1000,2,0,.,400,2,0,.,100,2,100,2,0,.,100,2,125,1,300,1,0,.,0,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,1000,.,re-invested in business,500,100000,.,20,.,50,0,0,.,25,.,5,0,0,0,0,********************,.,60000,.,25,.,75,0,0,.,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,1,********************,.,1,0,2,1,, 501,7,6,97,7,15,2,1,28,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,28,"Chicago, IL",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,France,Africa,.,97,.,Taylor/Ashland,.,3,1,2,*,60,Insuranc agent for Allstate Ins. Co.,1,1,******************************,5,3,2,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,93,2,*,*,*,2,0,Family owns building and got cheap rent,Mobile electronics,1,*,2,*,400,2000,0,3600,0,*,0,*,0,*,6000,1,0,0,0,0,*,6000,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,6000,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Less hassle,Getting customers,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,3,RN,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No interest,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,0,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,1,2,2,2,2,2,2,2,2,*,Easier,1,0,0,.,3,None left,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,0,1,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,.,*,.,*,Supplier 1,Chatsworth,CA,USA,2,1,1,Seeked new product,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Lombard,IL,USA,2,1,1,Recommended,0,1,1,4000,Net 30,0,30,0,.,2,.,*,.,.,.,*,Supplier 3,Broadview,IL,USA,2,1,1,Came to me,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Have not had the time yet. Will join soon.,1,SBA,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,I have not felt the need as of yet.,"People in the business, family",A,22,N,1,.,Riverdale,IL,USA,Different aspects of business,His store,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,1,4,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,1,2,2,2,2,2,2,2,2,*,2,2,2,2,2,2,*,2,*,1,Expand my work area,1,.,Vested interest,*,No retirement plans--plan to wor until I croke.,"Chicago, IL",150000,70000,1,2,1,"Cousin's grandfather",1,.,10000,2,650,2,0,.,200,2,800,2,2000,2,4000,2,0,.,0,.,0,.,100,2,200,2,1000,2,50,2,200,1,200,1,0,.,0,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,.,0,100000,50000,50,20000,20,0,0,0,0,30000,30,0,0,0,0,********************,100000,10000,10000,100,0,0,0,0,.,10000,1,Bank 1,Blue Island,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, completed operations",120000,200,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,8,45,2,2,, 503,6,6,98,10,25,1,1,54,Mississippi,1,2,********************,********************,2,*,A,2,2,53,Mississippi,2,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,13,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,26,1,Englewood,.,22,1,2,*,100,Farmer,1,1,******************************,1,2,11,Remodel house,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Auto mechanic,0,10,0,3,*,Business,.,79,2,*,*,*,2,0,Knew area,"Tow cars, trucks, give information on cars and trucks",1,*,2,*,0,13000,0,500,0,*,0,*,0,*,13500,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,13500,0,0,0,0,13500,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Don't believe in banks and institution, never needed their services",1,2,*,1,1,Partner 1,8,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager/mechanic,.,.,A,8,Tow truck driver,100,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Walk-in,0,18,2,********************,**,**********,.,.,.,*,.,.,1,Oak Lawn,IL,USA,1,.,1,AD,0,4,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,No reason,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Advertisement,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Advertisement,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives,A,8,*,1,.,Chicago,IL,USA,Opening business/finance,My home/his home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,1,4,********************,A,1,Word of mouth,1,.,Chicago,IL,USA,Finance/auto expenses,Restuarant,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,5,5,5,0,********************,5,0,0,0,********************,0,0,0,0,********************,3,1,People who know my service and have good credit,Loyal paying customers,1,1,1,2,2,2,2,2,2,2,1,2,2,2,*,2,2,1,2,2,2,*,2,*,2,*,4,.,*,*,*,*,90000,70000,2,1,.,********************,.,.,0,.,0,.,400,2,200,2,600,2,0,.,0,.,0,.,0,.,13,2,5,2,200,2,150,2,8,2,13,2,33,2,0,.,0,.,0,.,*,1622,2,1,Charity 1,500,Charity 2,.,Charity 3,.,30000,.,Spend on business,40000,150000,0,0,75000,50,30000,20,0,0,0,0,45000,30,0,0,********************,150000,1000,0,0,0,0,1000,100,Electricity/telephon,1000,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Survival without borrowing from banks,Slow down buying,2,2,2,2,2,1,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,150000,70,2,2,.,.,-4,1,800000,60,2,1, 10000,85,2,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,11,30,1,3,, 504,5,13,98,4,10,2,1,43,"Chicago, IL",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,12,1,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Mississippi,.,********************,97,.,South Shore,.,30,1,2,*,54,Service station attend,1,1,******************************,1,2,9,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,6,2,Chicago,IL,USA,1,Dispatcher,0,4,11,2,*,Business,1,97,2,*,*,*,2,0,From a friend,Car sales--transportation,1,*,2,*,400,200,.,5000,360,Bank,360,0,0,*,5960,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,5960,0,0,0,0,5960,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I knew it would be a problem.,Making sure the cars I sold would stand up.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They just don't",54,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,2,2,2,1,A friend,It easy--I know him and trust him.,1,0,0,1,5,Never left,2,*,.,*,1,Chicago,IL,USA,1,.,1,N,0,1,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Ad,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Bolingbrook,IL,USA,1,.,1,.,.,1,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Don't have the time",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,A friend--someone who grew up with me.,A,1,Friend,1,.,Chicago,IL,USA,How to repair and sell cars,At my on the phone,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,5,.,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,1,1,2,2,2,2,2,2,2,1,2,*,2,2,2,2,1,2,*,1,Cash flow,2,*,4,.,*,*,*,*,.,.,2,2,2,********************,2,1,3000,2,400,2,150,2,200,2,0,.,800,2,1000,2,0,.,0,.,0,.,20,2,45,2,100,2,0,.,2,2,0,.,150,2,240,2,0,.,*,6107,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,25000,20000,.,4000,.,0,0,0,0,1000,.,0,0,0,0,********************,25000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",200000,1520,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,5,30,2,3,, 515,1,17,98,9,40,1,1,57,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,17,4,*,USA,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Kenwood,.,24,1,1,Board of Education--teacher,60,Welder--heat metals,1,1,******************************,5,3,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Board of Ed,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,1,95,2,*,*,*,1,0,"Lot's of people use 79th and I saw the shop, so I rented it.",Tax service,1,*,2,*,650,20000,14500,0,0,*,5000,Fee,0,*,40150,1,0,0,0,0,*,5000,0,0,0,0,********************,0,2,0,0,0,0,35000,0,0,0,0,40000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,I had an account there,1,2,1,Chicago,IL,USA,10000,No credit history,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Was turned down,1,South Shore Bank turned down my loan.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Small loans,Chicago,IL,USA,1,.,1,For payroll,10000,2,No credit history,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,1,Teacher-Board of ED,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"Tax, accountant",20,1,A,7,"Tax, account",20,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,12,0,12,0,12,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,1,2,2,2,2,2,2,*,"I will know someone who know's them",14,0,0,3,0,End of tax season,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,22,n,0,3,1,Chicago,IL,USA,1,.,1,Yellow pages,0,3,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Agent,0,2,1,350,30 days,0,30,0,No more credit,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,1,Can do,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I didn't need it.",No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,4,2,********************,A,1,Jackson Hewitt,2,1,Chicago,IL,USA,Doing taxes,Office,B,1,***********,1,.,Chicago,IL,USA,Doing taxes,Office,C,1,Jackson Hewitt,1,.,Jackson Hewitt,Chicago,IL,USA,Doing taxes,Office,1,********************,99,0,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,1,"I can't get credit",1,Open another office,1,.,Good business,*,Go into another business,"Chicago, IL",25000,.,2,2,2,********************,2,1,0,.,360,2,50,2,150,2,172,2,14500,2,.,.,0,.,0,.,0,.,29,2,150,2,250,2,0,.,13,2,3,2,0,.,0,.,0,.,*,.,2,1,Charity 1,300,Charity 2,.,Charity 3,.,15000,.,.,12000,80000,10000,13,50000,63,0,0,0,0,0,0,0,0,20000,24,R,80000,350,350,100,0,0,0,0,.,350,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,1,97,Slow--May to December,Look forward to next tax season.,2,2,2,2,2,2,1,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,1,1,2,*,1,1,"Fire, theft, liability, medical",.,850,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,20,1,3,, 518,2,24,98,-3,-3,-3,1,27,Pakistan,2,3,********************,Pakistian,2,*,A,3,2,46,Pakistan,3,********************,Pakistian,7,*,B,8,1,22,Pakistan,3,********************,Pakistian,1,*,C,8,1,12,Pakistan,3,********************,Pakistian,8,*,D,8,1,16,Pakistan,3,********************,Pakistian,8,*,E,8,1,14,Pakistan,3,********************,Pakistian,8,*,F,8,1,18,Pakistan,3,********************,Pakistian,8,*,G,8,1,21,Pakistan,3,********************,Pakistian,8,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,12,1,*,32,5,*,.,*************************,1,.,*,.,*,2,Urdu,1,2,3,Urdu,89,********************,********************,********************,8,1,Lincolnwood,.,4,2,1,Another Shell Station--75th & State Street,75,Self-employed supplier of general merchandise.,1,2,******************************,5,1,9,********************,5,1,1,1,Prior Business 1,Gasoline,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,11,96,1,*,Bought it.,Called company and was told available,1,1,Close to other station and this corner is good.,"Gasoline, oil, candy, pop and fix cars.",1,*,2,*,3500,20000,7000,25000,124500,Good will,0,*,0,*,180000,1,0,0,0,0,*,80000,0,0,0,0,********************,0,2,0,0,0,0,100000,0,0,0,0,180000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Banks won't give loans on gas stations",Prejudices--people were upset because they thought I was an Arab and they did not want me in the neighborhood--a State trooper told me he would not come here anymore.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They are all in school and live too far away for after school.,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,2,Relative,.,*,2,.,.,********************,1,6,6,0,0,6,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,1,2,2,*,1,.,2,2,2,2,1,2,2,2,1,Sign in window,Easier and faster,3,0,0,1,6,Better job or fired for stealing.,2,*,.,*,1,Chicago,IL,USA,2,3,1,N,0,4,1,Skokie,IL,USA,2,1,1,Thru friends,0,2,1,Darien,IL,USA,2,1,1,Thru friends,0,3,1,Chicago,IL,USA,2,2,1,Assigned by Shell company,0,3,2,********************,**,**********,.,.,.,*,.,.,2,.,*,Insurance--when I called he answered. There are only a few who can insure gas stations. Attorney was recommended and I have used him before.,2,*,Supplier 1,Elgin,IL,USA,2,1,1,Previous station supply,0,3,1,0,Net 15,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,2,1,Previous station supply,0,3,1,0,Net 15,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Harvey,IL,USA,2,2,1,Friend,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,People who own gas stations.,A,22,Friend of brother,1,.,Chicago,IL,USA,"Previous station owner, how to get started",His station,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,99,1,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,1,Private business only,15 days net,0,0,0,2,2,2,2,2,2,2,1,1,2,2,*,2,2,1,2,2,2,*,1,Hard to get a loan--gas stations are hard to get financed.,2,*,1,.,I would like one of my brother to continue the business.,*,No plans yet.,Florida,1680000,.,2,2,2,********************,2,.,160000,2,3000,2,1500,2,300,2,800,2,6500,2,0,.,200,2,0,.,0,.,100,2,350,2,150,2,150,2,250,2,400,2,0,.,.,.,0,.,*,173700,2,1,Charity 1,200,Charity 2,.,Charity 3,.,.,.,.,.,60000,100000,50,20000,10,0,0,0,0,20000,10,60000,30,0,0,********************,200000,80000,16000,20,64000,80,0,0,.,80000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,1,2,*,1,1,"Fire, theft, medical , business interruption",1000000,3000,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,2,, 520,4,21,98,11,25,1,1,78,South Carolina,1,2,********************,********************,2,*,A,2,2,72,Mississippi,2,********************,********************,4,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,4,*,USA,1,*,5,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,56,1,Calumet Heights,.,30,1,1,Stocks,20,Tailor,2,.,******************************,1,2,4,********************,4,1,1,1,Prior Business 1,Various produce,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,Chicago,IL,USA,1,Salesman,0,1,6,1,"Selling real estate, communicating with people and listing properties",Business,3,56,2,*,*,*,2,0,"Looking for more of a residential area to conduct business, so bought this building.",Listing and selling properties for people,1,*,2,*,125,500,0,150,75,Electricity,150,Phone,0,*,1000,1,750,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,250,0,0,0,0,1000,.,.,*,.,*,Lender 1,Needed credit,Chicago,IL,USA,2,1,2,.,8,*,1,15,0,2,********************,.,250,2,.,Lender 2,Establish credit,Chicago,IL,USA,2,1,2,.,4,*,1,1,0,2,********************,.,250,2,.,Lender 3,Started account,Berwyn,IL,USA,2,1,2,.,4,*,1,1,0,2,********************,.,250,2,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Advertising for people to come invest in houses.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,8000,1,Owner,.,2,Teacher,.,6,Accountant,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,.,1,A,6,Accountant,60,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,1,2,2,2,2,*,Better than searching,1,0,0,10,0,Retire and get better job.,2,*,.,*,1,Woodstock,IL,USA,2,1,1,Through another firm,0,20,1,Chicago,IL,USA,2,1,1,Bank referral,0,20,1,Chicago,IL,USA,1,.,1,Personal,0,15,1,Chicago,IL,USA,1,.,1,Personal,0,30,2,********************,**,**********,.,.,.,*,.,.,1,1,Blacks were the only people who came to answer ad--but would accept any race to work here,*,.,*,Supplier 1,.,MN,USA,2,1,1,Referral from Century 21,0,20,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,20,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,1,Creditor 1,Help get info for ad,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1 & 2,Educational/lobby group,Lobby group,Association 2,Washington,DC,USA,2,"Start-up business, stocks, etc.",Stocks,Association 3,********************,**,********************,********************,*,*,.,1,Association make you become more visible in realty--real estate put listing out which also helps community.,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Didn't need service",Friends,A,1,Grew up together,2,1,Evanston,IL,USA,"Starting business, revenues, sales",Downtown restaurants,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,1,4,********************,A,1,Worked together,1,.,Chicago,IL,USA,Real estate/stocks,Visit homes/restaurants,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,10,10,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,1,2,2,2,2,1,Salespeople,2,1,2,2,2,2,*,2,*,1,Increase the amount of people we sell to in the area--sell forces.,1,.,"Because it'll offer a future of good living, good pay and good investment",*,Traveling around United States,"Chicago, Florida or Las Vegas",4000000,6000000,1,1,.,********************,.,.,0,.,3900,1,840,1,130,1,0,.,50000,1,0,.,0,.,0,.,0,.,1800,1,1152,1,18000,1,9000,1,1800,1,3000,1,600,1,50000,1,0,.,*,140222,1,1,Charity 1,500,Charity 2,400,Charity 3,1200,40000,.,Bank it,80000,450000,0,0,220000,40,230000,60,0,0,0,0,0,0,0,0,********************,450000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago,IL,USA,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Business interruption, theft, liability",500000,1300,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,45,2,2,, 522,7,17,97,1,36,2,2,60,"Clarksdale, MS",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,56,1,Chatham,30,30,1,1,Real Estate,20,He worked as a farm hand--,1,1,******************************,1,3,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,2,Chicago,IL,USA,1,Beautician,0,1,2,1,Doing hair,Business,8,57,2,*,*,*,2,0,Looked around for a safe place that was reasonably priced (current location),"Hair products and services, hair weaving classes",1,*,2,*,300,1700,0,0,0,*,0,*,0,*,2000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,2000,0,0,0,0,2000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I had never been in business, I didn't know anything about how to go about getting financing.",None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Instructor,20,1,A,11,Hair weaving technician,50,1,B,12,Hair weaving technician,10,1,C,5,Hair weaving technician,5,1,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,0,7,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,7,1,Chicago,IL,USA,1,.,1,Referral,0,4,2,********************,**,**********,.,.,.,*,.,.,1,1,Those are the people who have been referred to me.,*,.,*,Supplier 1,.,.,.,2,1,1,Went to their store,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Went to their store,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,12,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Public service endeavors,None,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,People who are already in business,A,22,N,1,.,Chicago,IL,USA,"Business location, equipment needed, amount of money needed",My home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,75,25,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,1,.,"It's good service for which there is a great need",*,"I'm currently semi-retired, I don't intend to ever retire completely","Right here, in Chicago",35000,35000,1,1,.,********************,.,.,0,.,500,2,2000,1,2200,1,0,.,0,.,1200,2,0,.,0,.,10000,1,200,1,1000,1,10000,1,3000,1,200,1,500,1,0,.,0,.,0,.,*,.,2,1,Charity 1,50,Charity 2,50,Charity 3,0,15000,.,Re-invested in the business,15000,12500,2500,.,10000,.,100000,.,0,0,12500,.,0,0,0,0,********************,125000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability",.,2200,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,3,10,2,1,, 523,3,3,98,1,14,2,2,49,"Chicago, IL",1,2,********************,********************,2,*,A,6,1,23,"Chicago, IL",2,********************,********************,1,*,B,6,1,21,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,13,0,*,********************,2,*,.,*************************,2,1,*,8,Christian Reform,1,*,.,.,1,*,.,21,.,********************,97,.,Rosemoor,.,23,1,1,Pre-school teacher,84,Manager of hardware store--hiring/firing personnel and ordering.,1,1,******************************,4,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,8,2,Chicago,IL,USA,1,Designer,2,5,0,1,"Hands on training in the floral industry--retail & wholesale. I learned administrative skills, bookkeeping, etc.",Business,2,92,2,*,*,*,2,0,I passed by and saw it was vacant.,"Fresh flowers, plants, ballons, gift baskets, & greeting cards.",1,*,2,*,0,20000,0,10000,0,*,0,*,0,*,30000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,20000,0,0,0,10000,0,0,0,0,30000,1,1,*,1,*,Lender 1,The collateral was easy for me to obtain.,Chicago,IL,USA,1,.,2,.,10,*,1,1,0,1,"Typewriter, TV/appl",2000,2000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,The operating capital,1,I did not get the merchandise and supplies that I needed at the time.,1,1,Partner 1,8,*,1,.,.,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,100,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,100,1,He does the wholesale and retail part of the business plus designing. I do the administration and we both do marketing research & promotion.,1,Lender for Operation,I went to a workshop they had.,Oak Lawn,IL,USA,2,1,1,I needed new refrigeration system/supplies,10000,1,*,7,*,1,3,0,1,Equipment,10000,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Administrative,84,1,A,5,Sales/Marketing,12,2,B,6,Delivers,12,2,C,6,Designing/paperwork,20,2,2,.,Relative,.,*,1,5,2,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,21,N,0,6,1,Chicago,IL,USA,1,.,1,Thru another agency,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"Because I'm in the neighborhood where they are available.",*,.,*,Supplier 1,Alsip,IL,USA,2,1,1,Thru research,0,6,1,0,2 week net,0,14,0,DK,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Referral,0,2,1,0,.,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Thornton,IL,USA,2,1,1,Referral,0,1,1,0,30 net,0,30,0,DK,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,6,"Self-help, marketing, financial",All,Association 2,Chicago,IL,USA,2,"It didn't fit my business",None,Association 3,********************,**,********************,********************,*,*,.,1,Monroe Foundation,1,Service 1,Chicago,IL,USA,How to bid contracts,2,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Mother, father and brother",A,8,N,1,.,Chicago,IL,USA,All phases of business,At home,S/G,3,N,1,.,.,.,.,All phases of the business,At home,C,22,N,2,1,Alsip,IL,USA,What will make a business work,At his business,1,3,2,********************,A,1,Thru a friend,1,.,Chicago,IL,USA,"Fresh flowers, floral supplies & pricing",At my shop,B,1,N,1,.,Chicago,IL,USA,"Gift baskets, balloons",At my shop,C,1,Thru my brother,1,.,Thru a friend,Chicago,IL,USA,"Floral designing, purchasing & equipment",At my shop,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,2,2,2,2,2,1,1,2,*,2,2,2,2,1,2,*,1,Parking,1,To buy a building so I will have parking space. I need more modern equipment.,1,.,They need to be self-sufficient,*,To do volunteer work,Arizona,25000,.,2,2,2,********************,2,1,3000,2,700,2,100,2,130,2,200,2,0,.,15000,2,32,2,150,2,0,.,50,2,125,2,150,2,200,2,15,2,50,2,0,.,0,.,0,.,*,6402,2,1,Charity 1,300,Charity 2,.,Charity 3,.,5000,.,Re-invested in the business,3000,50000,18500,20,30000,75,0,0,0,0,1500,5,0,0,0,0,********************,50000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,It was so slow in July/August,We made ourselves mobile and we became an on-the-site florist.,2,2,2,2,2,1,2,1,1,1,1,2,2,1,Seek corporate accounts,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,1,2,1,2,2,1,1,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,1,1000000,125,2,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,3,46,2,2,, 526,4,14,98,10,50,1,1,70,Alabama,2,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,12,1,*,U.S.,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,********************,********************,********************,49,1,Chatham,0,37,1,2,*,30,Farmer,2,.,******************************,4,1,9,********************,3,2,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Custodian,0,9,0,2,*,Business,.,69,2,*,*,*,2,2,"Live near here when this spot was available, rented it.","Laundry machines, customer service.",1,*,2,*,350,350000,800,8000,2500,Utilities,500,Gas,750,Water,362000,1,0,35000,0,0,*,0,0,0,0,0,********************,0,1,300,0,0,0,27000,0,0,0,0,362000,.,.,*,.,*,Lender 1,Need help in starting business,Rosemont,IL,USA,1,.,2,.,3,*,1,0,4,2,********************,.,35000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Finding a dependable person to work long hours.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Had what I wanted.,Rosemont,IL,USA,2,1,1,"They had the money, equipment I needed.",2500,1,*,8,*,1,3,2,2,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They work and have other ideas don't like Laundry Service.",30,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,3,0,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,2,2,1,They live in neighborhood handy,.,.,.,.,.,.,*,1,.,2,2,2,2,1,2,2,2,2,*,"Cheaper, and does not have to search for help.",1,.,.,10,0,Retire or find better jobs,2,*,.,*,1,Chicago,IL,USA,2,1,1,Reputation,.,30,1,Chicago,IL,USA,1,.,1,Known him since we were kids.,.,40,1,Evergreen,IL,USA,2,1,1,Phone book,N,12,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,No reason,2,*,Supplier 1,Blue Island,IL,USA,2,1,1,Ad,0,15,1,7000,Pay when can,0,0,4,.,2,.,*,.,.,.,*,Supplier 2,Oaklawn,IL,USA,1,.,1,Refered by relative,0,8,1,63,3 Months,0,0,3,.,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Rosemont,IL,USA,30,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Didn't know anyone else did loaning at the time started business, don't need them now.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,1,Went to school together.,1,.,Chicago,IL,USA,Equipment & Expanding business.,Home visits,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,2,1,Laundry equipment,1,"Need new machines, more features expenditures, to keep up with competition.",1,"Buy new equipment, pay more attention to customer needs.",1,.,Make more money and keep business running.,*,.,Chicago,250000,275000,1,2,2,********************,1,.,30000,1,6000,1,12000,1,9000,1,0,.,7680,1,12000,1,0,.,16800,1,725,1,0,.,1500,1,300,1,3600,1,1750,1,6500,1,0,.,0,.,0,.,*,107855,1,1,Charity 1,250,Charity 2,.,Charity 3,.,35000,.,Put money in stocks,45000,195000,32000,15,65000,30,0,0,80000,50,18000,5,0,0,0,0,********************,195000,16000,5500,25,.,0,10500,75,Utilities Cost,16000,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Equipment breakdown competition,Updated equipment more advertisement. Reduce cost if washing or offer free dry-service.,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,1,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, Theft, Liability",80000,367,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,10,2,3,, 527,7,29,97,10,23,1,1,52,Chicago,1,2,********************,********************,2,*,A,2,2,52,Chicago,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,6,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Lincoln Park,.,21,1,1,Restaurant/lounge and real estate,126,"Contractor--plastering, capentry, construction",1,2,******************************,2,2,9,********************,5,2,1,1,Prior Business 1,Restaurant/cocktails,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,90,1,*,"I bought the building, gutted it out and totally rehabbed it.",Through friends and relatives.,2,0,Recommended by family & friends.,"Food, entertainment, liquor",1,*,2,*,0,0,1600,20000,70000,Purchased equipment,90000,Building renovations,0,*,181600,1,0,0,0,0,*,20000,0,0,0,0,********************,0,2,0,0,0,0,161600,0,0,0,0,181600,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Black bank in the neighborhood,1,1,.,Chicago,IL,USA,75000,"There's a 10 month waiting list and they preferred not to make loans to this type of business.",Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"The neighborhood residents didn't want another cocktail lounge in the neighborhood (Chatham-Avalon Park Association)",1,Bank loans and savings,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Real estate,.,2,Board of ED,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager/supervising help,60,1,A,21,Bartender/disc jockey,20,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,7,3,4,0,7,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,1,2,2,1,2,2,2,*,"It's more convenient and usually the people who recommend them have knowledge of their character",5,0,0,1,6,Termination for theft and not being reliable.,2,*,.,*,1,Lincolnwood,IL,USA,2,1,1,Referral,0,17,2,********************,**,**********,.,.,.,*,.,.,1,Lincolnwood,IL,USA,2,1,1,Through friends,0,17,1,Chicago,IL,USA,1,.,1,Through friends,0,7,2,********************,**,**********,.,.,.,*,.,.,2,.,*,They were recommended and had the expertise I needed,1,"These other people were highly recommended, have done a good job and I don't want to change.",Supplier 1,Chicago,IL,USA,1,.,1,People in the neighborhood,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,.,.,.,1,.,1,Through other businesses,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,.,.,1,.,1,Called company,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,1,"Midway Wholesalers is reasonably priced and it's in the community",2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Too busy,1,Citywide Liquor Association,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I don't need them.",I had knowledge of the business from my previous business. I just talk to other business people in the area about what business is like in the area.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,1,5,3,********************,A,1,.,1,.,Chicago,IL,USA,"Clientele, the help, taxes",.,B,1,***********,1,.,Chicago,IL,USA,"Customers, volume of business",.,C,1,.,1,.,.,Chicago,IL,USA,"Business volume, taxes",.,1,********************,80,15,0,5,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,2,2,2,2,2,*,2,*,1,An addition to the building to increase capacitiy,1,.,"I'd like to keep it in the family",*,To relax and enjoy the remainder of my years free of stress and frustration.,Chicago,425000,425000,1,1,.,********************,.,.,6000,2,0,.,1200,2,6000,1,400,2,2000,2,1200,2,0,.,0,.,3400,1,100,2,60,2,300,1,1500,1,2500,1,3000,1,0,.,0,.,0,.,*,.,2,1,Charity 1,.,Charity 2,.,Charity 3,.,80000,.,Re-invest in business,80000,250000,50000,20,25000,10,150000,60,0,0,25000,10,0,0,0,0,********************,250000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,1,2,1,2,2,2,2,2,1,2,2,*,1,1,Building fire/theft/liability,505000,6000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,55,1,1,, 532,7,10,97,1,20,2,2,50,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,5,14,1,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,3,1,2,*,45,Truck driver--for the bureau of sanitation,1,1,******************************,4,3,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago,IL,USA,1,Service representative,100,2,0,1,"Communication, how to deal with people",Business,12,86,1,*,Bought it from the previous owner.,Sun-Times newspaper,2,0,I prayed and th Lord put me here,"Hair care, manicures, pedicures, facials",1,*,2,*,400,4100,0,0,500,Supplies,0,*,0,*,5000,1,5000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,5000,.,.,*,.,*,Lender 1,"That's where I bank",Chicago,IL,USA,1,.,2,.,.,.,1,5,0,2,********************,.,5000,1,1,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,2,1,.,Chicago,IL,USA,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"Finding a nice, decent location",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,1,Owner,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,My neighbor,0,2,1,Chicago,IL,USA,1,.,1,He applied,0,1,2,********************,**,**********,.,.,.,*,.,.,1,1,"Because they are all that's around",*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Networking,0,10,1,0,30 days,.,30,0,30 day extension,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Networking,0,10,1,0,30 days,.,30,0,30 day extension,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Networking,0,10,1,0,30 days,.,30,0,30 day ext,2,.,*,.,.,.,*,1,1,"I want to give them the business, I want them to have some business",2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't have time",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"People who are already in this business, relatives and friends",A,2,N,1,.,Chicago,IL,USA,Location and start-up costs,.,W,4,4,1,.,Chicago,IL,USA,"Location, start-up costs",.,C,22,N,1,.,Chicago,IL,USA,How to get in the business,.,1,1,1,********************,A,1,Has the business next door,1,.,Chicago,IL,USA,"Business, supplies, overhead",Outside the shop,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,1,2,2,1,2,2,1,2,*,1,1,1,1,1,2,*,1,"It's hard to get money--they give you such a hard time.",1,"Advertise, get new employees (x) that's it.",1,.,To carry on the business,*,Retire with money,I plan to stay here in the city.,18000,.,2,2,2,********************,1,.,200,2,5000,1,61,2,60,2,80,2,0,.,0,.,0,.,0,.,0,.,0,.,80,2,60,2,0,.,125,1,30,2,0,.,0,.,0,.,*,5696,2,1,Charity 1,20,Charity 2,.,Charity 3,.,10000,.,"Living expenses, travel",10000,8000,1500,25,5000,50,0,0,0,0,1500,25,0,0,0,0,********************,8000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Lack of business,"Do other things to bring in revenue, selling merchandise (scraves, hats, jewelry)",2,2,2,2,1,1,2,1,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,2,2,1,2,2,2,1,1,2,1,2,*,1,1,"Fire, theft, liability",200000,60,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,2,40,2,2,, 533,1,23,98,-3,-3,-3,1,50,"Clinton, LA",1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,20,5,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,21,.,36,1,Hyde Park,.,20,1,1,Consulting (marriage-family counseling),75,Plant manager at Standard Oil Co.,1,1,******************************,5,1,9,********************,5,1,1,1,Prior Business 1,Consulting,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,8,96,1,*,"I saw it and I wanted to have a business and it was a good location for it, so I just bought it.",Met person who wanted to sell.,2,0,Had an office in the area--good area.,Food catered in plus bar bus--,1,*,2,*,0,0,0,0,0,*,0,*,30000,Contract,30000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,30000,0,0,0,0,30000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Have an account,1,2,1,Chicago,IL,USA,90000,No expenses,Non Lender 2,22,1,2,1,Chicago,IL,USA,90000,No credit historoy,Non Lender 3,22,1,2,1,Chicago,IL,USA,90000,No history of bar business,.,Learn to stock--monitor alcohol inventory,1,More than three banks turned me down.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Friend,Chicago,IL,USA,1,.,1,.,90000,1,*,.,*,1,15,0,1,Building,160000,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,MEB I own,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,None available,30,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,5,0,5,0,4,0,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,Professional bartenders school,Like people trained for bartending.,3,0,0,0,8,Untrainable--they have own ideas on how to run my business.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Knew from seller,0,2,1,Chicago,IL,USA,1,.,1,Knew from seller,0,2,1,Wilmette,IL,USA,2,1,1,Former owner/seller,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,No reason,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Friend,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,.,1,Friend,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Friend,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,Various,1,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Various people in the liquor business.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,0,0,3,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,1,Not having resources,1,"No bank will give me $5,000 line of credit.",1,Enclose patio/outdoor type.,1,.,Son-not in it yet but will be joining me.,*,Keep active with lounge.,DK,200000,.,1,1,.,********************,.,.,15000,2,1200,2,300,2,2000,1,0,.,.,.,0,.,1400,2,0,.,0,.,0,.,150,2,500,2,0,.,2000,1,200,2,0,.,0,.,0,.,*,.,2,1,Charity 1,.,Charity 2,.,Charity 3,.,30000,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability, business interruption",180000,2500,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,.,.,.,.,, 542,12,13,97,3,0,2,2,42,Mississippi,1,2,********************,********************,2,*,A,22,2,35,Mississippi,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,2,12,1,*,USA,8,Hebrew,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,20,1,Chatham,.,3,1,2,*,40,Carpenter,1,1,******************************,4,5,4,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago,IL,USA,1,Grinder,0,4,0,2,*,Business,.,96,4,*,*,*,2,0,It was already here,"Hair care, nail technician, foot specialist",1,*,2,*,900,8000,0,0,0,*,0,*,0,*,8900,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,8900,0,0,0,0,8900,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't want to pay the interest",Getting workers,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't want to be in the business.",40,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,2,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,1,2,2,2,1,2,2,2,2,*,Better for me,2,0,0,.,.,None have left.,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Olympia Field,IL,USA,1,.,1,Gave me his card,12,0,.,********************,**,**********,.,.,.,*,.,.,.,********************,**,**********,.,.,.,*,.,.,1,.,.,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Word of mouth,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,3,1,Word of mouth,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,3,1,Word of mouth,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I just don't",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Friends, family",A,22,N,1,.,Chicago,IL,USA,Opening a business,My home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Employees,2,1,2,2,2,2,*,2,*,2,*,1,.,I would like to keep it in the family,*,Travel,Mississippi,10000,.,1,2,2,********************,1,.,300,2,900,2,250,2,117,2,20,4,0,.,0,.,0,.,0,.,0,.,25,2,100,2,200,2,0,.,75,1,500,1,0,.,0,.,0,.,*,2487,2,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,400,*,.,10000,0,0,9000,90,0,0,0,0,1000,10,0,0,0,0,********************,10000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",60000,250,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,15,2,2,, 555,1,27,98,9,49,1,1,71,Chicago,1,2,********************,********************,2,*,A,2,2,61,Chicago,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,10,0,*,********************,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Dolton,.,8,1,2,*,72,A minister-he died when I was a baby.,2,.,******************************,1,3,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,2,Chicago,IL,USA,1,Insurance agent,8,38,0,1,"Sales supervision, how to handle money and how to deal with people and learn the insurance business period.",Business,9,59,2,*,*,*,2,0,At the time it was the only place I could afford.,Insurance (all types) and income tax preparation.,1,*,2,*,50,200,0,0,0,*,0,*,0,*,250,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,250,0,0,0,0,250,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,I had an account,1,2,1,Chicago,IL,USA,1000,Not enough collateral,Non Lender 2,It was a loan company,1,2,1,Chicago,IL,USA,1000,Not enough collateral,Non Lender 3,It was a Black owned bank,1,1,.,Chicago,IL,USA,4000,Gave me the run around.,To help with the business--the second time to buy a building (SBA loan),Financing,1,I could not obtain any financing from the banks or anywhere.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,They were advertising,Chicago,IL,USA,2,1,1,To finance my business.,50000,2,Not enough credit references,0,No loan,1,5,0,2,********************,.,2,.,Lender for Operation,Received in mail--ads,Chicago,IL,USA,2,1,1,To finance my business.,40000,2,Not making enough,0,No loan,1,10,0,2,********************,.,2,.,Lender for operation,Advertising,Chicago,IL,USA,2,1,1,To finance my business.,50000,2,Not making enough,0,No loan,1,10,0,2,********************,.,2,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Insurance agent,.,2,Factory,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Selling insurance,72,2,A,5,Secretary,30,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,2,0,0,2,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,1,2,2,2,2,2,2,2,2,*,"It's safer--people recommend people because they know they are qualified.",7,0,0,0,3,They complete their assignment.,1,Insurance & taxes,1,In giving them ideas.,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,River Oaks,IL,USA,2,1,1,Shopping plaza,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,River Oaks,IL,USA,2,1,1,Shopping plaza,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,NC,USA,2,1,1,Referral by Best Software,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,1,.,Sioux Fall,SD,USA,5,0,Advance Credit Card,2,-4,2,1,Wilmington,DE,USA,1,0,Creditor 3,2,-4,2,1,Lake Tahoe,NE,USA,6,0,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,.,1,Chambers of Commerce,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,The meeting were too early (5am in the morning),Insurance friends,A,1,Company I worked for,1,.,Chicago,IL,USA,How to get started,In the office,H,1,Company I worked for,1,.,Chicago,IL,USA,How to maintain the business,In the office,C,1,Company I worked for,1,.,Chicago,IL,USA,How much start-up money needed,In the office,1,1,4,********************,A,22,N,1,.,Chicago,IL,USA,Taxes,At his office,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,0,0,0,5,Hispanic,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,1,2,2,2,2,2,2,1,1,2,*,2,2,2,2,2,1,Competitive rates,2,*,2,*,1,.,To keep the name of the company going and they have something to fall back on.,*,To move to a warmer climate.,Los Vegas,65000,65000,1,1,.,********************,.,.,0,.,0,.,200,2,200,2,300,2,1400,2,400,2,300,2,0,.,0,.,200,2,200,2,0,.,0,.,20,2,100,2,0,.,0,.,0,.,*,3320,2,1,Charity 1,25,Charity 2,25,Charity 3,200,0,.,.,0,44500,0,0,40000,90,0,0,2000,4,2500,6,0,0,0,0,********************,44500,30000,30000,0,0,0,0,0,.,30000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,Paying out more than what I am taking in and not progressing.,Look for the brighter side.,2,2,2,2,2,2,2,1,2,2,2,2,1,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,1,2,2,2,*,1,2,*,.,.,-4,1,200000,981,1,2,.,.,-4,1,1000000,1400,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,11,48,1,2,, 569,4,29,98,10,0,1,1,69,Virginia,1,2,********************,********************,2,*,A,2,2,70,Maryland,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,12,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Virginia,Africa,.,49,1,Lawndale,.,48,1,2,*,55,Preacher,1,1,******************************,1,3,4,********************,2,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Electrician,30,19,7,2,*,Business,3,71,1,*,Bought from former owner.,Saw a sign for rent.,2,0,Went to a funeral (on passing by) saw sign for rent.,"Quick repairs, oil changes, etc.",2,Gasoline service,2,*,0,62,0,3100,400,License,70,Electricity,60,Water/gas,3692,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3692,0,0,0,0,3692,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Didn't need it",.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Janitor for school,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,.,.,.,A,6,Change oil,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Business neighbor,0,15,1,Chicago,IL,USA,1,.,1,Reputation,0,25,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,No real reason--just close by and people walk-in advertising.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Solicitor business,0,12,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Not a joiner,1,Service organizations,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Never felt the need for service anywhere--do his own service.,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,5,2,2,0,********************,1,4,1,0,********************,5,0,0,0,********************,3,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,1,Taxes,2,2,1,2,2,2,*,2,*,2,*,3,3,*,*,No plans,Virginia,42000,44000,1,1,.,********************,.,.,16800,1,0,.,6000,1,2000,1,4800,1,0,.,0,.,0,.,0,.,0,.,0,.,1400,1,11000,1,12,1,1440,1,1200,1,0,.,1500,1,0,.,*,46192,1,2,Charity 1,.,Charity 2,.,Charity 3,.,8000,.,Living expense,9000,70000,3000,5,3000,5,33700,50,300,1,30000,39,0,0,0,0,********************,70000,2000,0,0,0,0,2000,100,Real estate taxes,2000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, liability",50000,2050,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,11,5,1,3,, 573,-3,-3,97,10,15,1,1,55,"Union Town, AL",1,2,********************,********************,2,*,A,2,2,44,Arkansas,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,15,2,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,44,1,Burr Ridge,.,5,1,1,Investments,50,Bus driver/service station owner,1,2,******************************,5,4,11,Invest mutual funds,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,-3,Chicago,IL,USA,1,Manager/TV dept.,11,6,0,1,Management training program,Business,4,72,1,*,"A business owner got me a loan of $85,000 from his bank & I invested $15,000 of my money.",Spent 4 yrs. looking--got turned donw--maybe I can lease-was told I could lease at 22nd Cermak,2,4,1977 bought from AMOCO--sub leasing,Car wash/detailing--mechnical work,1,*,2,*,800,450,0,0,0,*,0,*,2000,Deposit for gas,.,1,85000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,15000,0,0,0,0,100000,.,.,*,.,*,Lender 1,Business associate (JF) told me to--,Cicero,IL,USA,2,.,2,.,.,.,1,4,0,2,********************,.,85000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Had a program for minorities,1,1,.,Chicago,IL,USA,200000,"No collateral, no exp., no credit",Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Training the employees and leaving the business,1,Trying to get a loan from Continental Bank,1,1,Partner 1,21,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,100,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,100,1,J runs Vincennes business & I the rest (others),2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner/manager,.,2,Marshall Fields,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Has her own business,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,60,30,30,0,54,0,6,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,Hire athelets--they have self-discipline,7,0,0,0,6,Probably cold weather,2,*,.,*,1,LaGrange,IL,USA,1,.,1,N,0,15,1,Chicago,IL,USA,1,.,1,N,0,6,1,Des Plaines,IL,USA,2,1,1,N,0,11,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,No reason,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,.,0,25,1,3000,.,.,30,0,N/C,2,.,*,.,.,.,*,Supplier 2,Ft. Lauderdale,FL,USA,2,1,1,.,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,1,Creditor 1,2,-4,.,.,Chicago,IL,USA,11,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,Surveys/lobby efforts,Surveys,Association 2,Hillside,IL,USA,1,Meetings/surveys,Various,Association 3,Chicago,IL,USA,2,Various programs,Various,.,1,Some oil companies,1,Service 1,Schaumburg,IL,USA,Training program,1,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other car wash operators--mostly Jewish,A,22,N,2,1,.,.,.,How to get started,His office,W,22,N,2,1,Chicago,IL,USA,How to get started,His office,C,22,N,2,1,.,.,.,How to get started,His office,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,15,0,0,0,********************,0,0,0,0,********************,0,0,0,5,.,1,2,*,*,.,.,.,2,2,2,2,2,2,1,2,2,2,2,*,2,2,2,2,2,2,*,1,Banks want too much down--50%,1,Open a new location--94th & State Street,2,.,*,My children want no part of business--probably will sell.,"Haven't given much thought--the business keeps me going.",Arkansas or Arizona,8000000,8000000,.,1,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Paid off my bills,.,.,0,0,0,0,0,0,0,0,0,0,0,0,0,0,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,1,2,2,2,2,2,2,1,2,2,2,*,1,1,.,.,7000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,12,0,2,2,, 580,5,14,98,11,5,1,1,48,"Pittsburgh, PA",1,2,********************,********************,2,*,A,2,2,34,Mississippi,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,19,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Africa,.,********************,20,1,Hyde Park,.,6,1,1,Mutual funds/stocks,60,Laborer,1,1,******************************,4,1,8,********************,5,1,1,1,Prior Business 1,Cleaning/maintenance,Pittsburgh,PA,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Vice President,10,17,0,1,"Financial management, presentation skills, received MA degree",Business,8,95,2,*,*,*,2,0,"Contacted C.T.A. Market Research, visited location, see place validated--what you see through C.T.A. Demographic.",Nutritional supplies and herbs,1,*,2,*,1100,3000,1400,10000,150,Electricity,550000,Security System,0,*,565650,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,165000,0,0,0,270650,130000,0,0,0,565650,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Heard about program,1,1,.,Chicago,IL,USA,50000,New business--wanted 100% collateral,Non Lender 2,Employed there,1,2,1,Chicago,IL,USA,50000,New business--needed collateral,Non Lender 3,Have business account,1,2,1,Chicago,IL,USA,50000,New business--needed collateral,.,"Getting a loan to start--most banks don't loan to small business without owner giving up collateral.",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,I have an account there,Chicago,IL,USA,2,1,1,Improve business,50000,2,Need collateral,0,Denied,2,.,.,1,House,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,50000,1,Selling products to friends,.,2,Phone operator,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"Wife has a job--no time to work in R's business.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,1,2,2,1,2,2,2,2,*,"Knew (aquainted with) employee before he started working for me (nice young man)--use ADs too, no need to look for employees.",3,0,0,2,0,Business slow,2,*,.,*,1,Hoffman Estate,IL,USA,2,1,1,Reputation,0,18,1,Oak Park,IL,USA,1,.,1,Worked together,0,10,1,Chicago,IL,USA,2,1,1,Referral,0,2,1,Chicago,IL,USA,1,.,1,Referral,0,2,2,********************,**,**********,.,.,.,*,.,.,3,2,"I worked with attorney who does good service and I just found good janitor service--will hire any good business, race doesn't matter.",*,.,*,Supplier 1,San Jose,CA,USA,1,.,1,Referral,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,1,.,Oak Park,IL,USA,2,0,Citibank,2,-4,2,1,Chicago,IL,USA,4,0,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Membership and nutrition products,.,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,National Bank Association,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"They are not entrepreneur, more into corporated and more jobs, don't help small businesses.",Relatives and friends,A,2,N,1,.,Chicago,IL,USA,Starting business/finance,Home,R,1,Do business with him,1,.,Chicago,IL,USA,"Financing, products to sell, etc.",Office or restaurant,C,.,*,.,.,********************,**,********************,*,********************,1,1,4,********************,A,1,N,1,.,Robin,IL,USA,"Retailing products, selling products",Home,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,1,2,2,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,1,"Can't open another store without money.",1,"Partnering with organization and other small businesses, putting ADs in windows of neighboring nail salon, pay for advertisements that are better to understand.",4,.,*,*,*,*,180000,50000,1,2,2,********************,2,1,1000,2,1100,2,150,2,100,2,0,.,1150,2,0,.,1200,2,0,.,0,.,100,2,200,2,4000,2,200,2,15,2,0,.,230,2,0,.,0,.,*,9445,2,1,Charity 1,300,Charity 2,.,Charity 3,.,999999,10000,*,2500,50000,5000,10,2500,5,0,0,0,0,42500,85,0,0,0,0,********************,50000,80000,80000,100,0,0,0,0,.,80000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,"Radio station he was using didn't advertise enough for business format and sales went down.",Change radio station,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Change radio station,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,1,500000,100,2,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,23,2,3,, 582,6,12,98,4,0,2,2,41,Pakastan,2,3,********************,Pakastine,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,16,4,*,USA,5,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,86,********************,********************,********************,12,1,Lakeview,.,2,1,1,Restaurants,25,He was an attorney,1,1,******************************,4,3,4,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,9,92,2,*,*,*,1,2,"Main intersection, busy area","It's a fast food restaurant",1,*,2,*,3000,60000,2800,5000,0,*,0,*,0,*,70800,1,70800,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,70800,.,.,*,.,*,Lender 1,Needed the money,.,IL,USA,2,1,2,.,11,*,1,5,0,1,"House, car, equipmnt",70000,70000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Help--not being familiar,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't know--I guess sometime it will cause a problem",45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,1,1,Relative,2,*,1,3,1,********************,1,5,0,5,0,5,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,1,2,2,2,2,*,2,1,1,2,2,2,2,1,2,2,2,*,"It's easier and it helps the youngsters",14,0,0,7,0,"Moving, go to college or new job",2,*,.,*,1,Palatine,IL,USA,2,1,1,N,0,7,1,Chicago,IL,USA,2,5,1,Friend,0,7,1,Minneapolis,MN,USA,2,1,1,Franchise,0,7,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,.,.,*,Supplier 1,Chicago,IL,USA,2,2,1,Only vendor I could use,0,7,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,Asian/Black minority,Networking/insurance,All,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,R,A,22,Friend,1,.,Chicago,IL,USA,Starting a travel agency,His office,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,10,10,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,1,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,They are not into this,"Don't know",Somewhere warm--North California,150000,100000,1,2,2,********************,2,1,10000,2,3000,2,1200,2,120,2,100,2,2800,2,0,.,0,.,0,.,0,.,50,2,200,2,350,2,100,2,33,2,500,2,0,.,0,.,0,.,*,18453,2,1,Charity 1,1000,Charity 2,.,Charity 3,.,999999,15000,*,.,125000,25000,20,100000,80,0,0,0,0,0,0,0,0,0,0,********************,125000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,1,1,2,*,1,1,"Liability, fire, theft",125000,1200,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,4,50,2,2,, 590,5,11,98,12,5,2,1,71,Chicago,1,2,********************,********************,2,*,A,2,2,65,Chicago,2,********************,********************,5,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,18,4,*,U.S.,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,U.S.,.,********************,97,.,Chatham,.,40,1,1,Stocks,50,Salesman,2,.,******************************,5,3,11,Invest in stocks,5,1,1,4,Prior Business 1,"Clothe's & Shoes",Chicago,IL,USA,1,*,Prior Business 2,Foods,Chicago,IL,USA,1,*,Prior Business 3,Fast Food,Chicago,IL,USA,1,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,92,2,*,*,*,2,0,Nephew told me about space,Accounts and advice,1,*,2,*,1100,75000,25000,0,80,150,0,*,0,*,101330,1,0,0,0,0,*,0,0,0,0,0,********************,0,.,0,0,0,0,101330,0,0,0,0,101330,.,.,*,.,*,Lender 1,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Did not need assistance,.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Accounting Advice,.,2,School Teacher,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Not interested,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,1,0,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,1,2,2,2,2,*,"Easier to screen workers, and save a lot of searching.",2,0,0,5,0,Better promotion,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Reputation,0,6,1,Chicago,IL,USA,2,1,1,AD,0,8,1,Chicago,IL,USA,1,.,1,Walk-in,0,6,2,********************,**,**********,.,.,.,*,.,.,1,1,No reason Blacks just come in for a job.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,They sent him catalogue,0,6,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,2,Circular Advertisement,Advertisement,Association 2,Chicago,IL,USA,Discuss Problems,Problems,.,Association 3,********************,**,********************,********************,*,*,.,1,Job Services,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Didn't need services",No one owned businesses before,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,95,2,1,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,1,"Worthy of credit, Good standards know them awhile",Analyze individual,1,1,0,2,2,2,2,2,1,1,2,2,2,2,*,2,2,2,2,2,1,Competition,2,*,1,Lectures go on web page site open up training program.,4,.,*,*,*,*,250000,200000,2,2,1,Nephew,1,.,0,.,9200,1,2400,1,0,.,0,.,3200,1,0,.,0,.,0,.,0,.,6000,1,2400,1,1800,1,0,.,125,1,8400,1,1500,1,1400,1,0,.,*,56425,1,1,Charity 1,1000,Charity 2,.,Charity 3,.,999999,50000,*,40000,15000,0,0,75000,50,0,0,0,0,75000,50,0,0,0,0,********************,150000,300,0,0,0,0,300,100,Utilities,300,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,1000,600,1,2,.,.,-4,1,50000,500,1,2, -4,.,-4,2,.,.,-4,1,Workmsn Compensation,.,75,1,1,1,********************,.,1,10,2,3,, 591,9,30,97,5,30,2,1,41,Chicago,1,2,********************,********************,2,*,A,2,2,37,"Detroit, MI",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,4,*,USA,2,*,.,*************************,2,1,*,1,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Hazel Crest,.,11,2,2,*,60,"Construction worker--hang dry wall, acoustican, ceilings, custom builder",1,1,******************************,1,3,9,********************,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Milwaukee,WI,USA,2,Manager,7,6,6,1,Learn how to deal with people and how to handle them.,Business,3,91,2,*,*,*,2,0,"My wife found the location--it's on a busy street and it's in a growing area.","Insurance; auto, property, life and business",1,*,2,*,3300,600,0,300,0,*,0,*,0,*,4200,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,4200,0,0,0,0,4200,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I was told that insurance companies had a hard time getting a loan.,Spending my savings.,2,*,1,1,Partner 1,2,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Run the company,60,1,A,2,Agent,40,1,B,1,Write up clients,10,1,C,1,Write up clients,15,1,2,.,Relative,.,*,1,2,3,********************,1,3,1,2,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,2,2,1,Black community,.,.,.,.,.,.,*,1,.,1,1,1,1,1,1,2,2,2,*,Because it works.,0,1,0,9,0,Move to another state.,2,*,.,*,1,Evanston,IL,USA,2,1,1,N,0,6,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Myself,0,6,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,From Allstate when you become an agent.,0,6,1,0,Agent terms,0,.,.,.,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Washington,DC,USA,6,"Trade ideas upcoming, forms",New products,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Small Business associations,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,Would be a waste of my time.,Relatives and friends,A,2,N,1,.,South Holland,IL,USA,Going into business,Home,A,1,N,1,.,Southfield,MI,USA,"Money, how much of a good life as an agent.",Phone,C,.,*,.,.,********************,**,********************,*,********************,1,2,1,********************,A,2,*,1,.,Chicago,IL,USA,How things are going--moving up,Office/home,B,1,***********,1,.,Chicago,IL,USA,"How he's doing running the business",Office,C,.,*,.,.,Manager,********************,**,********************,*,*,1,********************,65,20,1,0,9,Hispanic,0,0,0,5,.,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,1,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,2,*,1,Looking to sign independent contractor,2,.,*,"I would probably just split mine--wife's family are agents and my children may not want to go into insurance business.",I do not plan to retire.,Michigan,300000,.,2,2,2,********************,1,.,0,.,1600,2,150,2,32,2,0,.,2600,2,10000,2,0,.,0,.,0,.,0,.,400,2,100,2,0,.,2,2,0,.,0,.,0,.,0,.,*,14884,2,1,Charity 1,500,Charity 2,500,Charity 3,500,.,.,Invested in stock,.,.,0,0,25000,25,0,0,0,0,75000,75,0,0,0,0,********************,100000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, liability, theft, medical, business interruption",1000000,350,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,6,45,2,3,, 599,10,7,97,1,30,2,2,60,Alabama,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,16,3,*,USA,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,USA,.,********************,40,1,South Shore,.,4,1,2,*,15,"Pullman porter--railroad, waited on people on the train and collected the fares.",1,1,******************************,1,4,11,Invest in stocks,3,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,1,Chicago,IL,USA,1,Accountant,2,10,0,1,Working for a lot of big accounts/firms,Business,1,75,2,*,*,*,2,0,"It's an office building and they had rental space.","Accounting; taxes, tax consultant, notary public, etc.",1,*,2,*,600,0,0,100,0,*,50,.,0,*,750,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,750,0,0,0,0,750,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had money in my saving for my business.,Getting clientele,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,My daughter has her own life and I am widowed.,15,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,1,1,2,2,2,2,2,2,2,2,*,I like what works for me.,2,0,0,7,0,Because they are only part-time,2,*,.,*,2,********************,**,********************,.,.,.,N,.,.,1,Chicago,IL,USA,1,.,1,Friend,0,12,1,Chicago,IL,USA,1,.,1,Friend,0,20,1,Chicago,IL,USA,1,.,1,Recommended,0,5,2,********************,**,**********,.,.,.,*,.,.,1,2,"It just happen that way, I just wanted the service.",*,.,*,Supplier 1,Evergreen Park,IL,USA,2,1,1,Looking for supplies,0,15,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Evergreen Park,IL,USA,2,1,1,Shopping,0,10,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,.,0,5,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I served for 5 years.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends and husband,A,1,N,2,1,Washington,DC,USA,Going into business and the rate of loan,Phone,E,2,N,1,.,Chicago,IL,USA,Going into my own business--did he think I could,Home,C,1,I knew I would need licenses,2,1,Springfield,IL,USA,Getting license,Phone,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,1,0,0,9,Hispanic,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,1,Because the equipment becomes outdated aand has to be updated.,1,Marketing,1,.,Because I worked very hard to get where I am.,*,"I have none right now. I'm going to work as long as I can.",Have no idea right now.,.,.,1,2,2,********************,1,.,0,.,0,.,150,2,350,1,0,.,800,2,.,.,0,.,0,.,0,.,100,2,75,2,100,2,0,.,0,.,0,.,.,.,.,.,.,.,*,1225,2,1,Charity 1,400,Charity 2,.,Charity 3,.,.,.,Re-invested in the business.,.,.,10000,10,15000,15,0,0,0,0,.,.,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,.,LOW CLIENTELE,I plan for it.,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Save for slow period.,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",100000,350,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,3,15,2,3,, 601,6,9,98,12,50,2,1,39,IL,1,2,********************,********************,2,*,A,2,2,37,IL,2,********************,********************,9,Missing,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,10,1,2,*,45,He was a mechanic,1,1,******************************,4,4,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,-2,Chicago,IL,USA,1,Computer consultant,0,10,0,1,"Computer networking skills, printing, etc.",Business,.,95,2,*,*,*,1,1,"I knew there was a need in this area for this service--that's why I'm here","It's a computer and copy center",1,*,2,*,2200,10000,0,5000,0,*,0,*,0,*,17200,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,17200,0,0,0,0,17200,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,I had met a loan officer who works there--so I tried them,1,2,.,Chicago,IL,USA,170000,My credit was not good enough,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,The finances--lack of financial capital--I had to use all the money out of my pocket and my 401K,1,Getting the money,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manager,50,1,A,16,He does typesetting,15,1,B,1,Adminstrative/bookkeeping,25,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,5,2,3,0,5,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,1,2,2,1,Local colleges or high school,It helps them,0,3,0,2,0,To return to school,2,*,.,*,1,Chicago,IL,USA,1,.,1,Friend,0,3,1,Chicago,IL,USA,1,.,1,Friend,0,10,1,Chicago,IL,USA,1,.,1,Friend,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,Because I believe in helping our own--I like working with my own people which helps your business to grow in the community.,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Paper supplier,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Maywood,IL,USA,1,.,1,Through Xerox,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,.,MN,USA,2,1,1,Friend,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one really--I just put a lot of thought in it on my own.,A,2,*,1,.,Chicago,IL,USA,Getting the money/location,Home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,97,3,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,4,2,*,*,.,.,.,1,2,2,2,2,2,1,2,2,2,2,*,2,1,2,2,2,2,*,2,*,2,*,3,3,*,*,"I would probably work when I'm retired in something less stressful.",Here,150000,.,1,2,2,********************,1,.,70000,1,14000,1,6000,1,2000,1,1500,1,50000,1,20000,1,0,.,6000,1,0,.,5000,1,4000,1,2000,1,4000,1,1000,1,5000,1,0,.,0,.,0,.,*,190500,1,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,60000,.,5,.,60,0,0,.,8,.,15,.,2,0,0,********************,60000,5000,5000,100,0,0,0,0,.,5000,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",60000,2000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,1,40,2,2,, 603,4,27,98,11,3,1,1,62,"Lee County, AK",1,2,********************,********************,2,*,A,2,2,65,Pennsylvania,2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,15,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,44,1,Roseland,.,30,1,2,*,100,Railroad builder,1,1,******************************,4,3,9,********************,4,1,1,1,Prior Business 1,"Produce, food, etc.",Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,79,2,*,*,*,2,0,Building available to traffic and was in good physical condition,Auto repair services,1,*,2,*,0,50000,0,15000,75,Lights,20,Water,100,Gas,65195,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,65195,0,0,0,0,65195,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Didn't want to be burden with paying back creditors.",.,1,"Didn't have enough capital that he wanted, but no problem.",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Fixed autos,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"Just don't",100,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Lincolnwood,IL,USA,2,1,1,Reputation,0,30,2,********************,**,**********,.,.,.,*,.,.,1,Midlothian,IL,USA,2,1,1,"Don't recall",0,30,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Seeking out place for auto parts,0,16,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Reputation,0,16,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Have known for years,0,16,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No particular reason,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,10,5,5,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,1,2,2,*,2,2,2,2,1,2,*,2,*,2,*,4,.,*,*,*,*,65000,75000,2,1,.,********************,.,.,15000,1,0,.,3600,1,1500,1,1500,1,0,.,0,.,0,.,0,.,6000,1,300,1,1500,1,300,1,400,1,125,1,1000,1,0,.,0,.,0,.,*,31225,1,2,Charity 1,.,Charity 2,.,Charity 3,.,20000,.,Use to live off of expense.,5000,162000,35000,14,0,0,125000,80,0,0,2000,6,0,0,0,0,********************,162000,9000,0,0,0,0,9000,100,Taxes,9000,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,95,Business was slow,Spent less money,2,2,2,2,2,1,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,150000,1000,1,2,.,.,-4,1,500000,1000,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,15,2,3,, 609,8,14,97,1,0,2,1,42,New York,1,2,********************,********************,2,*,A,22,2,39,"Chicago, IL",2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,18,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,New York,.,********************,12,1,Avalon Park,.,5,1,1,Hands on--Packing Co.-making boxes,60,Welder--Freight Equipment Co.--heat metal,1,1,******************************,4,1,9,********************,5,1,1,1,Prior Business 1,Packing company,Chicago,IL,USA,3,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,3,97,2,*,*,*,2,0,It was on a main street next to a skating rink.,Fast foods and sweet treats.,1,*,2,*,2000,10000,1000,3000,1700,.,0,*,0,*,17700,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,4000,0,0,10000,10000,0,0,0,0,24000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Just took it out of our own pockets,Just getting the business started,2,*,1,1,Partner 1,22,N,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,"One open the other close, one work 3 days one week, 4 days the next week.",2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,My other company,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Only myself,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,1,2,2,2,2,2,2,*,Because it works.,1,0,0,0,0,Same as when we started.,2,*,.,*,1,Chicago,IL,USA,1,.,1,N,4,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Yellow pages,4,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Driver,4,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Other businesses,4,0,1,0,60 days,8,60,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,22,N,1,.,Chicago,IL,USA,What kind of business the area needed.,Her home,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,70,10,0,0,10,Hispanic,5,0,0,5,.,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,1,2,2,2,2,2,*,2,*,1,Just try to improve it to keep the consumers coming.,2,.,*,My wife and I are divorced,I have none right now.,DK,.,.,1,2,2,********************,2,1,2000,2,2000,2,300,2,400,2,0,.,600,2,0,.,0,.,0,.,0,.,0,.,50,2,100,2,0,.,0,.,0,.,0,.,0,.,0,.,*,5450,2,2,Charity 1,.,Charity 2,.,Charity 3,.,0,.,.,.,19300,3000,.,10000,.,0,0,0,0,6300,.,0,0,0,0,********************,19300,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, business interruption",.,600,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,2,40,2,3,, 611,9,2,97,4,30,2,1,58,Chicago,1,2,********************,********************,2,*,A,22,2,62,Alabama,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,2,*,USA,1,*,2,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,South Holland,.,3,2,2,*,50,"Active in the military, armed forces--government",1,1,******************************,4,3,4,********************,5,1,1,1,Prior Business 1,Moving and storaging,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,1,Chicago policeman,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,5,89,2,*,*,*,2,.,Got a good deal on the building and like the area.,Fuel,1,*,1,1,700,5000,300,4000,0,*,0,*,0,*,10000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,5000,5000,0,0,0,0,10000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"We didn't need it.",None,2,*,1,2,Partner 1,1,Knew him from moving business,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,2,Bought him out.,1,New Partner 1,22,Former mayor of Chicago,1,.,45,1,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,55,1,He does the marketing and the day to day operation of the business.,1,Lender for Operation,Had an account there,Chicago,IL,USA,2,1,1,To buy the building,120000,1,*,8,*,1,30,0,2,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,1,Owner,.,2,Social worker/mental health,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have their own lives.,50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,4,3,1,0,3,0,0,0,0,********************,0,0,0,1,.,0,0,0,0,********************,1,2,2,1,2,2,2,*,.,.,.,.,.,.,*,2,2,1,2,2,2,2,2,2,2,2,*,It works,14,0,0,10,0,"None have left, the same",2,*,.,*,1,Chicago,IL,USA,2,1,1,N,0,10,1,Chicago,IL,USA,1,.,1,Friend,0,10,1,Chicago,IL,USA,1,.,1,Old agent,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,"Just happen that way--origin isn't important, getting the job done is.",*,.,*,Supplier 1,Hammond,IN,USA,2,1,1,Trade Journal,0,10,1,30000,60-90 days payment,0,90,0,.,2,.,*,.,.,.,*,Supplier 2,Alsip,IL,USA,2,1,1,Another oil company,0,10,1,300000,60-90 days payment,0,90,0,.,2,.,*,.,.,.,*,Supplier 3,Columbus,OH,USA,2,1,1,Another oil company,0,10,1,400000,60-90 days payment,0,90,0,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,1,Small government loans/Chicago Parish Council,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I didn't need the service--I had saved for the start-up.",Relatives and friends,A,2,N,1,.,South Holland,IL,USA,What kind of business I wanted,Home,B,22,First partner,1,.,Chicago,IL,USA,Would he like to be in the fuel business,His office or home,C,22,"First partner's wife",1,.,Chicago,IL,USA,Would the business work,Home or office,1,3,1,********************,A,1,Trade,2,1,Hammond,IN,USA,The market,Phone/Lunch,B,1,***********,2,1,Alsip,IL,USA,Net work,Phone,C,1,Another oil company,2,.,Another oil company,.,OH,USA,Market,Phone,5,1 thru 4 above,10,80,0,0,5,Hispanic,0,0,0,5,.,0,0,0,0,********************,5,1,Based on a financial statement/Dunn Bradstreet report,From 10-60 days or 2 months,0,2,0,2,2,2,2,2,2,2,2,2,1,2,*,2,2,2,2,2,1,Increase in sales large amounts,2,*,1,Increase the sales force,1,.,I have worked to hard to get the business to its growth to just sell it.,*,"Don't have any.",Bahamas,19000000,.,1,1,.,********************,.,.,4000000,1,1000,2,500,2,200,2,1000,2,20000,2,5000,2,0,.,0,.,0,.,200,2,500,2,500,2,1000,1,0,.,1000,2,0,.,0,.,0,.,*,4030900,2,1,Charity 1,.,Charity 2,.,Charity 3,.,50000,.,R,40000,.,200000,20,500000,50,200000,20,0,0,100000,10,0,0,0,0,********************,1000000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,Chicago,IL,USA,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",.,200,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,6,0,2,3,, 620,7,17,97,8,5,-3,2,71,"Chicago, IL",1,6,Mixed with 2 & 3,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,3,15,1,*,USA,1,*,2,*************************,2,2,*,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,Hyde Park,.,20,1,1,Investments,40,Laundry owner--hand laundry,1,3,******************************,4,2,8,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Secretary,0,9,0,1,"Bookkeeping--how to buy, how to be frugal",Business,11,66,1,*,Borrowed some/used savings,From my employer,2,0,Already established,Deli/lounge (food & beverage),2,Added deli 10 yrs. later--,1,Mainly African-American,.,.,.,.,800,License,.,*,.,*,800,.,.,.,.,.,*,.,.,.,.,.,********************,.,1,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,In the community,Chicago,IL,USA,1,.,2,.,6,*,1,5,0,2,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,.,.,*,1,1,Partner 1,2,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Employed,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Supervisor--do all,40,1,A,6,Whatever is necessary,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,7,5,2,0,7,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,1,2,2,*,.,.,.,.,.,.,*,2,1,1,1,1,2,2,2,2,2,2,*,Just simpler to go with recommendations.,7,0,0,5,0,They think theyare too smart & slick.,2,*,.,*,1,Chicago,IL,USA,1,.,1,N,0,20,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,N,0,1,1,Chicago,IL,USA,1,.,1,.,0,12,2,********************,**,**********,.,.,.,*,.,.,1,2,I look for best prices,*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Sales person,0,25,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,1,Solicited the company,0,30,1,1600,30 days,0,30,0,Have to be paid,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Solicited company,.,.,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Lazy--I like to golf,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My employer,A,1,Previous employer,1,.,Chicago,IL,USA,She had owned this type of business before,At work,L,2,N,1,.,.,.,.,If this is what we really wanted to do.,At home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,1,2,2,1,1,2,2,1,Rising taxes & licenses,2,1,2,2,2,2,*,2,*,2,Would like to acquire more property for same location.,1,.,My son has my ideas about the neighborhood & he has a good business sense,*,"Have none-I'm 71 & I'll die with my boots on.",Chicago,.,.,2,1,.,********************,.,.,75,2,0,.,1000,2,5000,1,0,.,3000,4,0,.,0,.,0,.,0,.,0,.,150,2,0,.,800,1,3000,1,0,.,0,.,.,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",.,5000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,1,Extended care for owner,.,150,2,1,1,********************,.,9,25,.,2,, 623,9,12,97,11,0,1,1,58,Chicago,1,2,********************,********************,2,*,A,2,2,54,New Jersey,1,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,17,4,*,USA,4,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Wilmette,.,30,1,2,*,60,Owner of Rothschild Liquors--making sure the business operated the way his father wanted.,1,3,******************************,1,1,9,********************,5,.,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,.,40,3,*,*,*,.,.,*,*,.,*,.,*,.,.,.,.,.,*,.,*,.,*,.,.,.,.,.,.,*,.,.,.,.,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,*,.,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,2,Realty,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,They have their own lifes.,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,117,75,20,22,50,25,15,22,0,********************,0,0,0,5,.,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,2,2,2,*,2,1,1,2,2,2,1,2,2,2,2,*,It works,7,0,0,15,0,I have never asked them their reasons.,2,*,.,*,1,Chicago,IL,USA,2,1,1,My father,0,20,1,Chicago,IL,USA,2,1,1,Has been with father,0,20,1,Chicago,IL,USA,2,1,1,Has been with father,0,25,1,Chicago,IL,USA,.,.,1,Different stores use different services,0,20,2,********************,**,**********,.,.,.,*,.,.,1,1,I have stores in all areas of Chicago,*,.,*,Supplier 1,Alsip,IL,USA,2,1,1,My father,0,20,1,.,30-90 days,.,.,.,.,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,My father,0,20,1,.,30-90 days,0,.,.,.,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,My father,0,20,1,.,30-90 days,0,.,.,.,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,The business has been going for years--I inherited it.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,5,"Combo of 1, 2 & 4",20,20,20,20,0,********************,0,5,5,0,********************,0,5,5,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,1,2,2,2,2,2,*,2,*,1,Open new store,1,.,"It was my father's and it has grown through me and I would like for it to stay in the family.",*,"I haven't any.",Wilmett,.,.,.,1,.,********************,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,.,1,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,.,.,25,.,25,.,25,0,0,.,25,0,0,0,0,********************,.,.,.,.,.,.,.,.,********************,.,.,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,2,2,1,2,2,2,2,2,1,1,2,*,1,1,.,.,4000,1,1,.,.,-4,1,.,.,-4,1,.,.,-4,1, -3,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,1,30,2,3,, 629,8,15,97,3,0,2,1,48,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,15,1,*,USA,1,*,8,Non-demonal,1,.,*,.,*,1,*,.,.,1,*,.,21,.,********************,97,.,Pill Hill,.,12,1,2,*,60,.,.,.,******************************,2,3,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Manager,15,12,10,1,"Consumer service, contacts, management skills",Business,10,96,2,*,*,*,2,0,Research plans coming in the area at major intersection @87th Cottage Grove,"Music, tapes, dis CDs, head phones, CD players, auto asst.",1,*,1,Urban,10000,5000,1000,10000,2500,Construction,300,Phone,1200,Sound system,30000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,30000,0,0,0,0,30000,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Was banking there,1,2,1,Chicago,IL,USA,20000,"Don't know--have not heard from them as of today.",Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Cash flow,1,Trying to get a loan.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,1,Owner,.,2,MCI telepone company,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,My wife works and my son goes to school.,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,1,2,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,2,2,1,Hired from the community,.,.,.,.,.,.,*,1,.,1,2,2,2,2,1,2,2,2,*,Because it works--I have the same emmployees I started with.,4,0,0,0,10,None have left.,2,*,.,*,1,Chicago,IL,USA,2,2,1,Former contact,10,0,1,Chicago,IL,USA,2,1,1,Used him before,10,0,1,Chicago,IL,USA,1,.,1,In the area,10,0,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,"I don't look for ethnicity, it just happen that way. I just want the best service.",.,*,Supplier 1,Chicago,IL,USA,1,.,1,Buying music records,10,0,1,0,Always paid--never need credit,0,0,0,.,2,.,*,.,.,.,*,Supplier 2,New York,NY,USA,2,1,1,Ads,10,0,1,0,Always paid--never needed credit,0,0,0,.,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Buying records,10,0,1,0,Always paid--never needed credit,0,0,0,.,2,.,*,.,.,.,*,1,2,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"Just haven't had time.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Family,A,2,N,1,.,Chicago,IL,USA,How much money it would take,Home,J,21,N,1,.,Chicago,IL,USA,What kind of business to go into,My house/phone,C,.,*,.,.,********************,**,********************,*,********************,1,2,2,********************,A,21,*,1,.,Chicago,IL,USA,Kind of business,"Phone, home",B,22,***********,1,.,Chicago,IL,USA,How well would the business do in the area,Shop/phone,C,.,*,.,.,Personal barber,********************,**,********************,*,*,1,********************,96,0,0,0,2,Hispanic,1,0,0,1,.,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,2,*,1,"Cards, T-shirts, opening another store",1,.,Because I started it from the ground and I would like to see my son make it grow.,*,Work 10 more years.,Chicago,.,.,1,2,2,********************,2,1,1400,2,2000,2,300,2,75,2,0,.,1500,2,0,.,0,.,0,.,0,.,0,.,100,2,150,2,0,.,0,.,0,.,0,.,0,.,0,.,*,5525,2,1,Charity 1,400,Charity 2,.,Charity 3,.,.,.,.,.,60000,.,75,.,15,.,2,0,0,.,8,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,2,1,2,2,*,1,1,"Fire, theft, liability, business interruption",.,500,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,4,45,2,3,, 631,7,21,97,6,0,2,1,70,Tennessee,1,2,********************,********************,2,*,A,2,2,65,Mississippi,2,********************,********************,2,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,14,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Georgia,.,********************,53,1,Englewood,.,18,1,2,*,.,Factory worker--laborer,1,1,******************************,1,4,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,.,Worked for government,0,30,0,2,*,Business,2,67,1,*,Bought the owner out,My partner was a friend of his and he knew I was looking for a small business.,2,0,It was here when I bought it.,"Current events, World News, Lottery tip sheets, fashion/business magazines",1,*,2,*,0,0,0,500,4500,For the business,0,*,0,*,5000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,2500,2500,0,0,0,0,5000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I had saved.,"Meeting with vendors, the right stock, payroll (right help)",1,"Help was stealing, drivers shorted bundles, being overstocked.",1,1,Partner 1,1,Worked together,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,2,Warren past away and his wife replaced him.,1,New Partner 1,1,"Partner's wife",1,.,50,1,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,"One week one open, the other close. The next week we reverse duties.",2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,School teacher,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"No need of more people to work in this small business, it is enough for both of us.",20,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,2,1,1,The previous owner,3,30,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,1,1,Yellow pages,0,30,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,"No reason, when I needed the service they were there.",1,No reason.,Supplier 1,Chicago,IL,USA,2,1,1,Previous owner,0,30,1,0,Yes,0,30,0,.,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,Chicago,IL,USA,30,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,My partner,A,1,Worked together,1,.,Chicago,IL,USA,Business & what to go into.,His home,J,2,N,1,.,Chicago,IL,USA,What kind of business we wanted,At home,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,5,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,1,2,*,1,2,2,2,2,2,*,2,*,2,*,2,.,*,I want to sell.,"Do just that, retire--do nothing.","Chicago, IL",15000,.,1,1,.,********************,.,.,30000,1,0,.,30,2,50,2,0,.,0,.,200,4,0,.,0,.,0,.,0,.,0,.,0,.,0,.,50,1,0,.,0,.,0,.,0,.,*,30330,.,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Re-invest in the business,.,.,5000,50,0,0,5000,50,0,0,0,0,0,0,0,0,********************,10000,10000,5000,20,0,0,5000,50,Property,10000,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,97,The business has been slow.,Keep going.,2,2,1,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability",9000,50,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,6,55,2,2,, 644,9,29,97,9,30,1,1,26,ILL,1,2,********************,********************,2,*,A,7,2,21,ILL,2,********************,********************,8,*,B,8,1,26,ILL,2,********************,********************,8,*,C,3,2,40,Mississippi,2,********************,********************,1,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Lake Meadows,.,7,1,2,*,50,He was in the military (service),1,5,Had deceased when I was born,5,2,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,6,96,1,*,"The previous owner was sick and couldn't pay the bills.",I knew the family before it was sold.,1,1,It was already here.,"We are a fast food restaurant--we serve sandwiches, drinks and chips.",1,*,2,*,2000,20000,2400,4000,0,*,0,*,0,*,28400,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,24000,0,0,0,0,24000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not need it.,Getting things turned over--the problems from previous owner.,2,*,1,1,Partner 1,1,Through one of his friends,1,.,60,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,40,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,40,1,I handle mostly everything--day to day operations--He has other businesses of his own.,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Manager,.,3,Salary worker,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"I don't believe in that--I believe there would be a problem there.",50,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,8,3,5,0,8,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,1,2,1,2,*,"That's just the way it has been going.",14,0,0,0,12,Some have been fired because they think they have been here long enough to know the system and start stealing.,2,*,.,*,1,Olympia Fields,IL,USA,2,1,1,Through Subway,0,2,1,St. Louis,IL,USA,1,.,1,Used for other business,0,2,1,Chicago,IL,USA,1,.,1,Referral,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,"I can't control that.",*,.,*,Supplier 1,Streeter,IL,USA,2,1,1,Longtime supplier to Subway,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Longtime supplier to Subway,0,2,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Do not have time to participate,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Business owners,A,1,Through school,1,.,Chicago,IL,USA,I told him I wanted to be an entreprenuer,His office,S,1,Through school,1,.,Chicago,IL,USA,Just the business in general,His office,C,.,*,.,.,********************,**,********************,*,********************,1,60,5,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,10,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Proper hours for employees,2,*,2,*,4,.,*,*,*,*,140000,.,2,2,2,********************,2,1,5000,2,2000,2,400,2,250,2,150,2,5000,3,5000,3,0,.,350,.,0,.,150,1,75,2,1500,1,0,.,200,1,150,1,500,1,500,1,0,.,*,80120,2,2,Charity 1,.,Charity 2,.,Charity 3,.,999999,18000,*,.,100000,20000,20,50000,40,15000,15,0,0,5000,5,0,0,2000,20,.,92000,95000,.,35,.,35,.,30,.,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,1,1,Business,200000,300,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,15,1,3,, 662,7,27,98,10,30,1,1,49,"Chicago, IL",1,2,********************,********************,2,*,A,2,2,49,"Chicago, IL",2,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,20,4,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,South Suburban,.,13,1,1,High school teacher,60,Construction worker,1,1,******************************,5,1,11,Mutual funds,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,9,80,2,*,*,*,1,0,New shopping center--felt it was a good spot for business.,"Oil changes, flush radiators, etc.",1,*,2,*,4600,80000,0,26000,1500,Utilities,600,Telephone,300,Water,113000,1,105000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,8000,0,0,0,0,113000,.,.,*,.,*,Lender 1,Need funds to open business,Chicago,IL,USA,1,.,2,.,3,*,1,8,0,2,********************,.,105000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Slow start getting customers,1,Vendors/suppliers gave me a hard time getting a discount--most White suppliers deny Black creditors discounts,1,1,Partner 1,1,Wife/he went to school together,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,School teacher,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Not interested,60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,10,3,4,3,10,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,2,2,2,2,1,2,2,2,1,School,Train students from school and Ads to get a better opportunity to train fresh,14,0,0,4,0,Encourages students to continue to better their opportunities,2,*,.,*,1,Chicago,IL,USA,2,1,1,Reputation,0,4,1,Chicago,IL,USA,2,1,1,Ad,6,8,1,South Holland,IL,USA,1,.,1,Recommendation from friend,0,1,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,.,.,*,Supplier 1,.,PA,USA,1,.,1,Reputation,0,8,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Valparaiso,IN,USA,1,.,1,Ad,0,8,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,1,.,1,Reputation,0,8,2,.,*,.,.,.,*,2,.,*,.,.,.,*,1,1,Try to help other Blacks get ahead in business,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,Blacks and Koreans,Commons concerns/updating business,Concern for shopping center,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Small Business Assoc/Seaway Bank,1,Service 1,Chicago,IL,USA,.,5,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,22,A,22,Friend,1,.,Chicago,IL,USA,Business finance,His house/restaurant,C,22,Friend,1,.,Chicago,IL,USA,"Finance percentage, etc.",Their homes,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,98,2,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,1,2,1,2,2,1,"Other ethnic groups don't patronize my business",2,2,2,2,2,1,Racism,2,*,1,Provide other services,4,.,*,*,*,*,400000,370000,2,2,2,********************,2,1,0,.,84000,1,6000,1,11000,1,0,.,95000,1,0,.,0,.,0,.,0,.,1000,1,1500,1,25000,1,1000,1,1000,1,500,1,0,.,0,.,0,.,*,226000,1,1,Charity 1,500,Charity 2,1500,Charity 3,3000,200000,.,Put back into business,500000,500000,125000,25,125000,25,0,0,0,0,250000,50,0,0,0,0,********************,500000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,2,1,1,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability",300000,11000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,11,25,1,3,, 674,7,26,97,1,40,2,1,50,Illinois,1,1,********************,********************,2,*,A,2,2,50,New Mexico,1,********************,********************,1,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Eastern Europe,.,********************,47,1,Lockport,.,15,1,1,"Stock market, bonds",60,He was the owner and president of this company,1,3,******************************,4,3,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,1,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,6,96,1,*,Father retired--Me and my brother bought it from him.,My father owned it.,2,0,It was already here when my father got it. It was cheap property.,We fabricate structal steel.,1,*,2,*,0,0,0,0,250000,.,0,*,0,*,250000,1,250000,0,0,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,250000,.,.,*,.,*,Lender 1,.,Evergreen Park,IL,USA,1,.,2,.,7,*,2,.,.,1,The business,250000,250000,2,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Replacing old time employees that did not want to work for new owners.,2,*,1,1,Partner 1,8,*,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,1,I take care of purchasing and he takes care of sales.,1,Lender for Operation,"That's where my personal account was.",New Lenox,IL,USA,1,.,1,To catch up on receivables,75000,1,*,1,*,1,30,0,.,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,President of company,60,1,A,8,Vice President--Sales,60,1,B,2,Bookkeeper,50,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,10,10,0,0,2,4,4,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,2,2,2,2,1,Specfic skills,2,2,1,2,2,2,2,2,2,2,2,*,We find that it works the best,0,1,0,.,.,Better job or better pay and closer to home.,2,*,.,*,1,.,.,.,1,.,1,Came with purchase,0,25,1,.,.,.,1,.,1,Came with business,0,25,1,.,.,.,1,.,1,Better price,0,15,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,I feel good helping my own background,.,*,Supplier 1,University Park,IL,USA,1,.,1,Competitive prices,0,25,1,200000,Net 30,2,.,.,.,2,.,*,.,.,.,*,Supplier 2,Sterling,IL,USA,1,.,1,Local mill,0,20,1,0,Net 30,2,.,.,.,2,.,*,.,.,.,*,Supplier 3,Lisle,IL,USA,1,.,1,Split off from another company,0,10,1,0,Net 30,2,.,.,.,2,.,*,.,.,.,*,1,2,*,1,Creditor 1,2,-4,1,.,New Lenox,IL,USA,15,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,.,.,.,DK,Monthly magazine,Magazine,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,"Lawyer, accountant, banker",A,1,N,1,.,.,.,.,Setting up documentation,Phone,Accountant,1,N,1,.,.,.,.,Starting the loan,Telephone,C,1,N,1,.,.,.,.,Getting the loan,Telephone,1,10,3,********************,A,1,Came with company,1,.,Chicago,IL,USA,Pricing of current work,Telephone,B,1,***********,1,.,Lisle,IL,USA,Material purchases,Telephone,C,1,Labor,1,.,Supplier,Elmhurst,IL,USA,Insulation prices,Telephone,2,********************,15,80,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,1,"It's all done by bank payouts, if you have an escrow # and you can prove you have credit at the bank, you can get a loan from us.",Net 30,2,1,0,1,1,2,2,2,2,1,1,1,2,2,*,2,1,1,1,2,2,*,2,*,2,*,2,.,*,"Because it's got to be a better way--not other member like own children to run the business.","I haven't thought about it.",Have not thought about it.,200000,.,1,1,.,********************,.,.,25000,1,0,.,2000,2,5000,2,2000,2,10000,4,2000,4,1000,2,0,.,2000,1,100,2,300,2,0,.,1500,1,100,1,1000,1,.,.,.,.,0,.,*,.,2,2,Charity 1,.,Charity 2,.,Charity 3,.,20000,.,Put it back into the business,.,1400000,.,30,.,30,.,30,.,10,0,0,0,0,0,0,********************,.,400000,400000,100,0,0,0,0,.,400000,1,Bank 1,Evergreen Park,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,2,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, theft, liability, medical",1100000,80000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,3,30,2,2,, 676,7,5,97,9,30,1,2,52,Indiana,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,20,7,Double Bachelors--Marketing & Business Admin.,USA,1,*,1,*************************,2,8,Non-denominational,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,.,.,40,1,1,"Meek Recording & Publishing Co., also investments",78,Machinist--factory,1,1,******************************,1,2,9,********************,5,.,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Home economist,50,4,0,1,Displays/marketing/supervising,Business,8,85,2,*,*,*,2,1,It was an existing business that had similar products,"Gospel music/CD, cassetts, videos--church items/supplies & gifts",1,*,2,*,600,5000,0,20000,3000,Legal taxes/ins.,0,*,0,*,28600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,0,28600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I did not need it--did not want the extra burden of interest, etc.",Paying the bills--getting enough income to support overhead.,1,Getting the right financial inst.--being overcharged for services.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Had investments/stocks & bonds,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Acct/bookkeeping,68,2,A,5,Buyer,40,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,3,3,********************,1,2,2,0,0,2,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,2,2,1,2,1,2,2,2,1,2,2,*,You need someone that is recommended--you know something about them usually.,0,1,0,5,0,Sickness/health,2,*,.,*,1,Chicago,IL,USA,2,3,1,Brochure,0,2,1,Chicago,IL,USA,2,1,1,Recommended,0,13,1,Chicago,IL,USA,1,.,1,Recommended,0,13,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,2,.,1,Ad,0,8,3,.,.,*,.,*,Supplier 1,Nashville,TN,USA,2,1,1,Supplier,0,13,1,0,Net 30,.,30,0,DK,2,.,*,.,.,.,*,Supplier 2,Nashville,TN,USA,2,1,1,Supplier,0,13,1,0,Net 30,.,30,0,DK,2,.,*,.,.,.,*,Supplier 3,Nashville,TN,USA,2,1,1,Supplier,0,13,1,0,Net 30,.,30,0,DK,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Colorado Springs,CO,USA,1,Cataloges/schools/training services,All but school/medical ins.,Association 2,Chicago,IL,USA,1,A lot--various,Business expos,Association 3,Nashville,TN,1,1,"Awards programs/cataloges, etc.",Most,.,1,Small business association and chamber of commerce,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,No time,Financial institutions and accountant,A,1,Financial banker,2,1,Chicago,IL,USA,"Starting business, self-prop. opposed to partners, legal documents",Bank,E,1,Attorney,2,1,Chicago,IL,USA,Legal matters,Office,C,1,Ex-co worker,1,.,Chicago,IL,USA,Buying property opposed to renting a commercial property,Office,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,90,5,1,1,0,********************,1,2,0,0,********************,0,0,0,0,********************,3,1,Based on churches or groups--not individuals,30-60 days,0,2,0,1,1,1,1,1,1,1,1,1,1,2,*,1,2,2,1,2,2,*,2,*,1,Offer better services and more advertising,1,.,Like to see the business continue.,*,Travel,Warm state,300000,350000,2,2,2,********************,2,1,30000,2,725,2,1000,2,1000,2,0,.,5000,1,0,.,1200,1,0,.,0,.,500,1,5000,1,15000,1,5000,1,1000,1,1500,1,440,2,0,.,0,.,*,67365,2,1,Charity 1,2400,Charity 2,.,Charity 3,.,70000,.,Re-invested in the business,50000,100000,.,50,.,25,0,0,0,0,.,25,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Evergreen Park,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,1,.,.,2,1,.,.,2,1,.,.,2,1, -3,.,2,1,500,.,2,2,*,.,.,-4,.,3,********************,.,12,5,2,1,, 682,4,6,98,11,55,1,1,70,Tennessee,1,2,********************,********************,2,*,A,2,2,70,Mississippi,2,********************,********************,4,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,13,1,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,46,1,Englewood,.,38,1,2,*,40,Minister,1,1,******************************,5,3,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,Chicago,IL,USA,1,Business Manager,10,10,0,3,*,Business,6,71,2,*,*,*,2,0,"Knew store owner couple doors down, when business closed I acquire from previous owner","Real estate, prepare income taxes, list/appraise houses, manage properties",1,*,2,*,450,5000,0,5000,0,*,0,*,0,*,10450,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,6000,0,0,0,4450,0,0,0,0,10450,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Didn't need help",Building up clientele,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Owner,.,2,Secretary,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Manage business,40,2,A,2,Secretary,40,2,B,5,Computer operator,40,1,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Worked together,0,25,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Previous job,0,25,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Knew enough about business and went to meetings held by Chicago Board of Realty,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Friends,A,22,Went to school together,1,.,Chicago,IL,USA,Advertising,"Restaurants, homes",S,22,Worked together,1,.,Chicago,IL,USA,Insurance/investments,"Office, home",C,.,*,.,.,********************,**,********************,*,********************,1,3,5,********************,A,1,Went to school together,1,.,Chicago,IL,USA,Doing taxes,Phone/visits each other,B,1,N,1,.,Chicago,IL,USA,Increasing insurance,Home/office phone,C,21,N,1,.,Worked together,Chicago,IL,USA,Opening up new business,Homes,1,********************,80,5,4,4,0,********************,0,0,0,0,********************,5,0,2,0,********************,3,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,1,2,*,2,*,2,*,1,.,To keep this business open for future generations,*,Traveling around the world,"Chicago, IL",55000,55000,1,2,2,********************,2,.,250,2,650,2,300,2,178,2,0,.,500,2,0,.,0,.,0,.,0,.,40,2,200,2,2000,2,0,.,13,2,42,2,0,.,0,.,0,.,*,4173,2,1,Charity 1,5000,Charity 2,5000,Charity 3,5000,12000,.,Spend all my profit on clothes and things for family,15000,100000,30000,30,20000,20,20000,20,0,0,30000,30,0,0,0,0,********************,100000,900,0,0,0,0,900,100,Rent/utilities,900,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,1,2,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, equipment",50000,178,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,1,25,2,2,, 683,8,22,97,10,41,1,2,36,Chicago,1,2,********************,********************,2,*,A,2,1,42,Chicago,2,********************,********************,1,*,B,6,1,15,Chicago,2,********************,********************,8,*,C,6,1,13,Chicago,2,********************,********************,8,*,D,5,2,5,Chicago,2,********************,********************,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,3,*,USA,1,*,1,*************************,2,2,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Dixmoor,.,10,1,2,*,40,Mechanic--repairing cars/cab driver--driving a cab,1,1,******************************,1,1,9,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,22,2,Chicago,IL,USA,1,Assistant director,6,3,0,1,"I got my B.A. and 18 hrs. in child development, experience working with children.",Business,5,87,1,*,I bought it.,The lady who owned it told me she wanted to sell it.,2,0,It was a good neighborhood,"Daycare, pre-school and kindergarten",1,*,2,*,1400,2500,1500,600,600,Insurance,250,Cleaning supplies,900,Utilities,7750,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,7750,0,0,0,0,7750,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Referred by husband,1,1,.,Chicago,IL,USA,5000,"They didn't have any funds available.",Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"Taxes, the employees taxes",1,Paying the employee taxes,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,"That's where I bank",Chicago,IL,USA,1,.,1,To purchase the building,150000,2,Personal credit record was not acceptable.,.,*,1,.,.,2,********************,.,2,.,Lender for Operation,Had a broker,Chicago,IL,USA,1,.,1,To purchase building for business,150000,1,*,5,*,1,15,0,1,Home,50000,2,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,Child care provider,.,2,Computer analyst,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They are jealous, insecure",48,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,7,4,3,0,7,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,1,2,2,2,1,2,2,2,2,*,It gives me a better chance to interview them and evaluate them.,7,0,0,5,0,"A better position, more money",2,*,.,*,1,Chicago,IL,USA,1,.,1,Referred by broker,6,0,1,Chicago,IL,USA,1,.,1,Referred by friend,3,0,1,Chicago,IL,USA,1,.,1,Advertising,0,2,1,Chicago,IL,USA,1,.,1,Walk in,0,1,1,Chicago,IL,USA,1,.,1,Referred by sister,0,10,1,1,Because of the community--the people are mostly Black.,*,.,*,Supplier 1,.,.,.,1,.,1,Referred by a friend,2,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,1,Association 1,Chicago,IL,USA,1,"Provides information regarding programs, procedures, requirements.",All of them,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,*,1,Bronic (state funded food program),1,Service 1,Chicago,IL,USA,Subsidizes food prog,1,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Relatives,A,2,N,1,.,Dixmoor,IL,USA,"Wanting to start business, expenses",Our home,B.C.,7,N,1,.,Country Club Hills,IL,USA,Our home,.,C,.,*,.,.,********************,**,********************,*,********************,1,3,3,********************,A,1,Business associate,1,.,Chicago,IL,USA,School enhancement,"At each's business",B,1,***********,1,.,Chicago,IL,USA,Bettering programs and school,At each others school,C,1,Business associate,1,.,Business associate,Chicago,IL,USA,"Bettering programs, enhancement",At out various schools,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,2,*,2,*,1,"Expand school, enlarge classrooms",1,.,Keep it in the family,*,"To relax, but continue to work sometimes in the business.",Undecided,50000,40000,1,2,2,********************,2,1,850,2,700,2,900,2,145,2,200,2,2500,2,1000,2,0,.,0,.,0,.,150,2,600,2,265,2,800,1,75,1,150,2,0,.,0,.,0,.,*,.,2,1,Charity 1,200,Charity 2,50,Charity 3,.,5000,.,Re-invested in the business,5000,200000,25000,12,25000,12,150000,76,0,0,0,0,0,0,0,0,********************,200000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,1,1,2,2,2,2,2,2,2,1,2,2,*,1,1,"Liability, fire, theft",1000000,145,2,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,12,38,2,2,, 687,4,9,98,12,45,2,1,52,"Chicago, IL",1,2,********************,********************,2,*,A,3,2,78,"Macon, GA",2,********************,********************,5,*,B,5,2,24,"Chicago, IL",2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,16,3,*,USA,2,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,97,.,Park Manor,.,9,1,2,*,65,Union representative,1,1,******************************,5,1,8,********************,1,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,2,Chicago,IL,USA,1,Banker,0,5,0,1,"Finance, accounting, sales, psychology of custom relations and leadership",Business,4,87,1,*,"Proceeds of my labor--bought from boss's son after he died",Worked for previous owner,2,0,Started as loan consultant--knew this was a good location from former clients I dealt with in my work,"Tax accounting, financial planning, business planning",1,*,2,*,210,2000,0,0,2000,Utilities,0,*,0,*,4210,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,4210,0,0,0,0,4210,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"They don't lend money to anyone unless they know you","Not having a regularity of income, working for yourself is hard business--as you know business fluctuate a lot",2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,Advertisement/detail accounting,.,NY,USA,2,1,1,To use in business,5000,2,Sufficient obligation,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,.,.,3,Pension,.,5,Clerk--part-time,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Mother is disable and daughter attends school,65,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Married my cousin,0,20,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Worked together,0,14,1,0,Pay when can,0,0,4,Nothing,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,1,Creditor 1,2,-4,2,1,.,IN,USA,4,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"They don't satisfy the needs he require for his business",1,"Small Business, City of Chicago Economic Development",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Don't need them but recommend people to those programs","I knew about the business, just got the courage to start business after my father died.",A,1,Reputation,1,.,Chicago,IL,USA,Advertisement/economic,At my office/phone,S,1,Went to school together,1,.,Chicago,IL,USA,"Economic, sales, accounting",Visit homes/phone,C,.,*,.,.,********************,**,********************,*,********************,1,6,4,********************,A,22,N,1,.,Chicago,IL,USA,Economics,My office and home,B,1,N,1,.,Chicago,IL,USA,Cash flow,.,C,22,N,1,.,22,Harvey,IL,USA,Issues of investment,.,1,********************,90,5,5,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,2,2,2,2,2,2,2,2,2,*,2,2,2,2,2,1,Myself,1,Want to upgrade equipment,1,"Create new advertisements--i.e., TV ads, going on the internet, set up on Web pages, explore other avenues of direct payments",4,.,*,*,*,*,25000,.,1,2,2,********************,2,1,0,.,210,2,40,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,4,2,120,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,374,2,1,Charity 1,500,Charity 2,500,Charity 3,500,5000,.,Put back in business,5000,50000,0,0,6000,12,0,0,0,0,0,0,0,0,44000,88,Goodwill,50000,800,800,100,0,0,0,0,.,800,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Business is slow in October,Just one month--wait out the month,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,2,2,2,2,2,2,2,2,2,1,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,1,50000,349,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,2,10,2,2,, 695,7,8,97,4,0,2,1,45,Mississippi,1,2,********************,********************,2,*,A,2,2,45,Mississippi,2,********************,********************,2,*,B,5,2,17,"Chicago, IL",2,********************,********************,8,*,C,6,1,17,"Chicago, IL",2,********************,********************,8,*,D,6,1,12,"Chicago, IL",2,********************,********************,8,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,18,7,Degree Data Processing,USA,1,*,1,*************************,2,1,*,8,Church God & Christ,1,*,.,.,1,*,.,Egypt,.,********************,25,1,Dauphin Park,.,15,1,1,Property owner of a building,82,Labor--a pressman in a cleaner.,1,1,******************************,1,1,9,********************,3,1,1,1,Prior Business 1,Bakery goods,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,1,Chicago,IL,USA,1,Plant manager,8,13,0,2,*,Business,8,92,2,*,*,*,2,0,By looking at the transferring of people and being at a bus stop.,Bakery goods,1,*,2,*,2100,5000,0,1000,0,*,0,*,0,*,8100,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,3000,0,0,0,5100,0,0,0,0,8100,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,I did not want to owe anybody,"Remodeling the place. We had to put walls up, electrical lines/outlets, plumbing & exhaust system.",1,"When you exhaust all your savings and your business is slow, you don't have enough finances for your home.",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,"Baking, delivery/pick-up supplies",80,2,A,2,"Cake decorator, cashier, customer service",60,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,0,3,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,1,2,1,2,2,*,.,.,.,.,.,.,*,1,.,1,2,2,2,2,2,2,2,2,*,Because that person would know about that person & they know my requirements,0,1,0,3,0,"Sickness, babysitting problems",2,*,.,*,1,Chicago,IL,USA,1,.,1,Recommended by friend,0,10,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Came in as a saleman,0,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,They are not in the neighborhood,*,.,*,Supplier 1,Chicago Heights,IL,USA,1,.,1,Salesman-walk in,0,7,1,0,30 days,0,30,0,1.5% after 30 days,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Telephone book,0,5,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Telephone book,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I don't have the money or time.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,.,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,80,18,0,2,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,*,*,.,.,.,1,2,2,2,2,1,2,2,2,2,2,*,2,2,1,1,1,2,*,1,"Because it's hard to get a loan.",2,*,1,.,"I don't think jobs will be there, they will have to have some skill or business to survive.",*,Sell my property,Chicago,50000,40000,2,2,2,********************,2,1,3000,2,750,2,500,2,400,2,200,2,1000,2,0,.,0,.,0,.,0,.,150,3,100,2,0,.,0,.,25,2,100,2,0,.,0,.,0,.,*,5825,2,1,Charity 1,200,Charity 2,.,Charity 3,.,35000,.,I bought a building,25000,85000,.,20,.,35,.,25,.,0,.,20,.,0,.,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,Chicago,IL,USA,Bank 3,********************,**,********************,1,94,"Owner's remodeling, owner increase in rent","If your business is slow, you lay off people or cut down on the hours.",2,2,2,2,2,2,1,2,2,2,2,1,2,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,2,2,1,1,2,1,2,2,2,2,1,2,2,2,*,1,1,"Fire, liability",100000,400,3,2,.,.,-4,.,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,5,34,2,.,, 704,7,10,97,9,45,1,2,56,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,16,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Burnside,.,29,1,2,*,84,Self-employed truck driver--hauling building materials,2,.,******************************,2,1,8,********************,5,1,1,1,Prior Business 1,"Ice cream, sandwiche",Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,22,2,Chicago,IL,USA,1,Clinic administrator,7,6,6,2,*,Business,3,93,2,*,*,*,2,0,"Close to my home, public transportation",Billing service,1,*,2,*,0,2500,1200,300,150,Advertising,0,*,0,*,5150,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,3000,0,0,0,2150,5150,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't feel that the amount warranted taking a loan on which Id have to pay interest.",Obtaining new clients,1,"Opening a business checking account for a small business, the local banks wanted $5,000-$10,000 to open an account",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,1,Lender for Operation,I had dealt with them before,Oak Lawn,IL,USA,2,1,1,Renovations for office,3000,1,*,8,*,1,2,0,2,********************,.,2,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,1,City worker,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,No one is interested.,84,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,4,0,3,1,4,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,1,1,2,2,2,2,2,2,2,*,My workers and relatives know me and they only recommend people that would fit in with my personality.,4,0,0,.,.,"Termination due to lack of interest, work skills, job performance.",2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,Oak Lawn,IL,USA,2,1,1,Have other insurance with them,6,0,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Through tax person,0,2,3,.,.,*,.,*,Supplier 1,Chicago,IL,USA,2,5,1,Clerk in store,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Clerk in store,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Clerk/cashier in store,0,4,2,.,*,.,.,.,*,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,Oak Lawn,IL,USA,2,0,.,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Meetings are not scheduled to my convenience--there are no minority associations for this type of business.,1,"Women's Minority Development Association",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I spoke with them, then decided I could do it on my own due to my background and knowledge.",Relatives and friends,A,7,N,1,.,Chicago,IL,USA,Need for better help (employees),"My home, her home",Mother,3,N,1,.,Chicago,IL,USA,Amount of time I hve to put in business,"Her home, my home",C,15,N,1,.,Chicago,IL,USA,Need for better help,My home,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,2,********************,25,0,0,0,0,********************,0,0,2,0,********************,0,20,0,53,Pakistan,5,2,*,*,.,.,.,2,2,2,2,1,1,2,2,2,2,2,*,2,2,2,2,2,1,Obtaining clients within the community,2,*,1,"Expanding services, opening satellite office on the northside of the city.",4,.,*,*,*,*,30000,.,2,2,2,********************,2,1,200,2,375,2,150,2,600,1,20,4,2000,2,500,2,20,2,75,2,0,.,200,2,75,2,20,2,0,.,125,1,100,2,0,.,0,.,0,.,*,4460,2,1,Charity 1,3000,Charity 2,50,Charity 3,.,5000,.,.,2000,10000,2500,25,6000,60,0,0,0,0,1500,15,0,0,0,0,********************,10000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,1,1,2,2,1,2,1,2,2,2,2,2,2,2,2,*,1,1,"Fire, theft, liability, plate glass",40000,600,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,1,********************,.,11,20,1,1,, 705,1,30,98,11,15,1,2,62,Louisiana,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,16,5,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,55,1,Avalon Park,.,28,1,2,*,45,He worked in the steelmill,1,1,******************************,2,3,4,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,-3,Chicago,IL,USA,1,Teacher,0,30,0,1,I learned how to communicate with children & adults.,Business,5,85,2,*,*,*,2,0,I was just looking for something reasonable.,"Counseling and tutoring, urine drops and psychological testing and the drunk drivers program.",1,*,2,*,300,0,0,300,7000,Remodeling,0,*,0,*,7600,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,7600,0,0,0,0,7600,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I did not need to, I had the money at the time.",Remodeling the place.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They are doing other things and I don't have kids.",45,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,3,2,1,0,3,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,1,2,2,2,1,2,2,*,.,.,.,.,.,.,*,2,2,2,2,2,2,2,2,2,1,1,Earn fare,"That's who I have my contracts with",2,0,0,5,0,They could not keep their duties up to par.,2,*,.,*,1,Chicago,IL,USA,1,.,1,Referral,0,5,2,********************,**,**********,.,.,.,*,.,.,1,Chicago,IL,USA,1,.,1,Referral,0,5,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,2,"It just happened that way--I don't sit down and say I'm going to hire a Black for this or a White for that.",*,.,*,Supplier 1,Chicago,IL,USA,2,1,1,Advertisement,0,5,1,0,30 days,.,30,0,"You can't exceed the time limit.",2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,"I use to, but it did not increase business, so I got out of it.",2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,No one,A,.,*,.,.,********************,**,********************,*,********************,********************,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,3,********************,97,3,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,2,*,*,.,.,.,2,2,2,2,1,2,2,2,2,2,2,*,2,2,2,2,2,2,*,2,*,2,*,2,.,*,"I don't have any kids, so I would sell it.","I don't know, I retired from teaching--I don't know about this yet.",Chicago,100000,80000,1,2,2,********************,2,1,25,2,350,2,400,2,600,1,60,2,300,4,0,.,0,.,0,.,0,.,75,2,200,2,0,.,0,.,125,1,200,1,0,.,0,.,0,.,*,2285,.,2,Charity 1,.,Charity 2,.,Charity 3,.,100000,.,Put it back in the business,80000,150000,0,0,0,0,0,0,0,0,50000,.,0,0,100000,.,********************,150000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,1,2,1,2,2,2,2,2,2,2,2,1,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,1,.,600,1,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,12,5,2,2,, 710,8,2,97,10,0,1,1,64,Chicago,1,1,********************,********************,2,*,A,2,2,63,Chicago,1,********************,********************,7,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,16,7,Bachelor of Business/Commerce,USA,4,*,.,*************************,1,.,*,.,*,1,*,.,.,1,*,.,Poland,.,********************,97,.,Hyde Park,.,30,1,1,I own residential rental and condo property,30,He owned a cleaner/tailor shop.,1,3,******************************,1,2,9,********************,1,.,1,1,Prior Business 1,Arts and crafts,Chicago,IL,USA,1,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,1,2,2,2,2,2,*,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,6,62,1,*,It was an existing business. I bought the building and the equipment.,I was looking for something in the area and found out it was for sale from a business friend of mine.,2,0,"It was for sale and the building, equipment and the price were all good.",Dry cleaning and laundromat.,1,*,2,*,0,0,0,0,50000,Mortgage,0,*,0,*,50000,1,0,0,50000,0,*,0,0,0,0,0,********************,0,1,0,0,0,0,0,0,0,0,0,50000,.,.,*,.,*,Lender 1,Because it is my main bank.,Chicago,IL,USA,1,.,2,.,7,*,1,15,0,2,********************,.,50000,1,1,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,1,1,.,Chicago,IL,USA,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,"I don't recall any difficulties that's why I bought the business.",2,*,1,1,Partner 1,1,Brother In Law,1,.,50,2,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"They don't live in this area and are involved in other businesses.",30,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,5,1,4,0,5,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,.,.,.,.,.,.,*,2,1,2,1,2,1,They are retired and have established good work habits.,1,.,1,2,2,2,2,1,2,2,1,Place a sign in the window,Because I get the best results that way.,2,0,0,10,0,They might have health problems and have to retire completely.,2,*,.,*,1,Chicago,IL,USA,1,.,22,N,0,32,1,Northfield,IL,USA,1,.,22,N,0,1,1,Lombard,IL,USA,1,.,22,N,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,1,1,They are the people I know and I can rely on them to do a good job.,*,.,*,Supplier 1,Chicago,IL,USA,2,2,1,Already supplier when I bought it,0,15,1,0,30 days net,.,.,.,DK,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,1,.,22,N,0,15,1,0,30 days net,.,.,.,DK,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,2,1,Supplier for business when I bought it,0,15,1,0,30 days net,.,.,.,DK,2,.,*,.,.,.,*,2,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,I feel they are a waste of time.,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,The equipment vendors and a banker at South Shore Bank.,A,1,Office at the bank,1,.,Chicago,IL,USA,How much interest on the mortgage.,Bank,Equipment vendor,1,Serviced equipment here,2,2,Chicago,IL,USA,How much maintenance the equipment required.,Here at the business,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,2,2,*,*,.,.,.,2,2,2,2,2,2,2,1,2,2,2,*,2,2,2,2,2,1,Competition,2,*,2,*,2,.,*,"They live out of town--they're professionals in other businesses.",Sell this business and just live off the profits from my rental properties.,The Chicago area,.,.,1,1,.,********************,.,.,15000,1,0,.,30000,1,3000,1,0,.,24000,1,0,.,200,1,0,.,500,1,300,1,600,1,500,1,3000,1,125,1,14000,1,0,.,2000,1,1000,1,Delivery,105925,1,1,Charity 1,400,Charity 2,.,Charity 3,.,.,.,I invested it,.,.,0,0,.,50,.,49,0,0,.,1,0,0,0,0,********************,.,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,1,Invest in stock market,1,1,"Fire, therft, liability, business interruption",1000000,3000,1,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,3,********************,.,11,5,1,2,, 8224,2,17,98,10,0,1,1,47,IL,1,2,********************,********************,2,*,A,5,2,19,IL,2,********************,********************,8,*,B,12,1,1,IL,2,********************,********************,9,Infant child,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,4,14,3,*,USA,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,USA,.,********************,97,.,Chatham,.,97,.,1,"I have a pension, I'm retired.",60,He was ab engineer--worked on boilers and heating systems for plants.,1,1,******************************,4,4,9,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Property manager,70,23,0,1,"Management--how to deal with customer relations, budgeting, purchasing of supplies/equipment and billing.",Business,7,94,1,*,I started it.,.,2,0,I work from home,Computer consulting,1,*,2,*,0,8000,0,3000,0,*,0,*,0,*,11000,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,11000,0,0,0,0,11000,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I did not want the interest, so I work from home.",Marketing--letting people know who I was and what I was able to do.,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,2,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,"My daughter is in school now and has a child, so she will at a later date.",60,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,1,Chicago,IL,USA,1,.,1,Advertisement,0,10,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Well known store--publicity,0,3,1,1500,30 days,.,.,.,.,2,.,*,.,.,.,*,Supplier 2,Burbank,IL,USA,1,.,1,Publicity,0,3,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,1,.,*,1,Creditor 1,2,-4,2,2,Chicago,IL,USA,.,.,Montgomery Ward,2,-4,2,1,Chicago,IL,USA,.,.,Creditor 3,2,-4,2,2,Chicago,IL,USA,.,.,2,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No,2,*,.,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,Other computer professionals.,A,1,N,1,.,Country Club Hills,IL,USA,The current state of affairs concerning realty and computer firms,Her realty,.,.,*,.,.,********************,**,********************,*,********************,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,70,20,5,5,0,********************,0,0,0,0,********************,0,0,0,0,********************,5,1,"It's more of a gut feeling and it's not a whole lot of credit allowed.",30 days,0,.,.,2,2,1,2,2,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,1,I may open up an office and hire some college kids to help out.,2,.,*,"My daughter's not really interested in the business.",Traveling,Chicago or Canada,40000,30000,1,1,.,********************,.,.,10000,2,0,.,0,.,200,2,100,2,0,.,2000,2,0,.,0,.,0,.,20,2,100,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,12420,2,2,Charity 1,.,Charity 2,.,Charity 3,.,10000,.,Put it back,20000,25000,5000,.,20000,.,0,0,0,0,0,0,0,0,0,0,********************,25000,0,.,.,.,.,.,.,********************,.,1,Bank 1,Chicago,IL,USA,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,1,2,2,2,2,2,2,2,2,2,2,2,2,*,1,2,*,.,.,-4,2,.,.,-4,2,.,.,-4,1,50000,1100,1,2, -4,.,-4,2,.,.,-4,1,Property,.,.,-4,.,.,********************,.,.,.,.,.,, 8255,8,5,98,5,0,2,2,40,"Chicago, IL",1,2,********************,********************,2,*,A,7,2,20,"Chicago, IL",2,********************,********************,8,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,17,4,*,USA,7,*,.,*************************,2,8,United Church of Christ,.,*,1,*,.,.,1,*,.,Mississippi,.,********************,97,.,Chatham,.,18,1,2,*,13,Crane operator--steel mill,1,1,******************************,5,1,8,********************,5,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,-3,Chicago,IL,USA,1,Teacher,0,19,6,1,Teaching and working with children,Business,8,97,2,*,*,*,2,0,I started the business in my home,Daycare for working families,1,*,2,*,0,0,0,0,0,*,0,*,0,*,0,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,0,0,0,0,0,0,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"I didn't need it",None,2,*,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,.,2,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Make sure all clients are happy,13,1,A,7,Help keep an eye on children and lots more,4,1,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,1,1,0,1,0,1,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,1,.,2,2,2,2,2,2,2,2,1,"My sister helps me right now--can't afford to pay anyone","Sister works for less to help me out, plus she's in school",1,0,0,1,0,None to leave,2,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Evergreen Park,IL,USA,1,.,1,Wholesale store,11,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,1,1,Government loans/small business loans,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I didn't need it",Relatives,A,7,*,1,.,Chicago,IL,USA,How to get started,Home,A,4,*,1,.,Jackson,MS,USA,Can I do it--will I stick with it,Phone,C,.,*,.,.,********************,**,********************,*,********************,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,***********,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,100,0,0,0,0,********************,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,1,2,2,1,2,2,2,2,2,2,*,1,2,2,2,2,2,*,2,*,1,Get out in the community to let people know about my business,2,.,*,"I don't plan to retire",I have none,Right here,.,.,1,1,.,********************,.,.,150,2,0,.,75,2,0,.,0,.,400,2,300,2,0,.,0,.,0,.,0,.,50,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,975,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,.,.,2000,0,0,0,0,0,0,0,0,0,0,0,0,2000,100,Savings not in bank,2000,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,.,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,6,30,2,2,, 8266,2,5,98,-3,-3,-3,2,30,"Vicksburg, MS",1,2,********************,********************,2,*,A,2,1,32,Chicago,2,********************,********************,1,*,B,6,1,5,Chicago,2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,15,0,*,********************,1,*,1,*************************,1,.,*,.,*,1,*,.,.,1,*,.,.,********************,********************,3,1,Aurora,.,1,1,1,Billing clerk for Michael Reese Hosp/Physicians & Surgeons,58,"Catapillar- worked at plant (don't know what job)",1,1,******************************,1,2,8,********************,4,1,2,.,Prior Business 1,********************,********************,**,********************,.,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,1,2,2,*,1,1,Chicago,IL,USA,1,Public Aid coordinator,0,1,6,3,*,Business,3,96,2,*,*,*,2,0,Working out of your home--most economical.,Gift baskets,1,*,2,*,0,500,0,4000,84,Phone,0,*,0,*,4584,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,2292,2292,0,0,0,0,4584,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,Just selling to friends--small at first.,"Where we were going to set up--considered store front. 1st at partner's house but it was too cramped, now at my house.",2,*,1,1,Partner 1,1,Wife of friend,1,.,50,1,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,50,1,1,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,50,2,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,1,Full-time job,.,2,Jane Hull House,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,.,20,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Irving,TX,USA,.,.,1,Trade show,3,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Maume,OH,USA,.,.,1,Trade show,6,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,Huntley,IL,USA,.,.,1,Trade show,3,0,2,.,*,.,.,.,*,2,.,*,.,.,.,*,.,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,No time,1,State of IL--I think provides some,2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"Really don't know about them--",Relatives and friends,A,2,N,1,.,Chicago,IL,USA,"Money, keeping supplies in house",Home,G,3,N,1,.,Aurora,IL,USA,Ideas of business--play off her thoughts,Phone/her home,C,22,N,1,.,Chicago,IL,USA,Business in general,Here/her home,2,.,.,********************,A,.,*,.,.,********************,**,********************,*,*,B,.,********************,.,.,********************,**,********************,*,*,C,.,*,.,.,*,********************,**,********************,*,*,1,********************,75,10,0,0,15,Hispanic,0,0,0,0,********************,0,0,0,0,********************,3,2,*,*,.,.,.,2,1,2,2,2,2,2,2,2,1,2,*,2,2,2,2,2,1,Lack of time to devote to business,2,*,1,Quit job in June 1998 & start focusing on contracts with companies.,1,.,It would be a family owned business and gift baskets are nice plus people appreciate them.,*,Plan to retire at 55 & move somewhere warm.,Texas,8630,.,2,1,.,********************,.,.,500,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,24,2,0,.,0,.,0,.,0,.,0,.,0,.,0,.,*,524,2,2,Charity 1,.,Charity 2,.,Charity 3,.,.,.,Paid back ourselves & re-invested in business.,.,.,3000,85,500,15,0,0,0,0,0,0,0,0,0,0,********************,3500,10,10,0,0,0,0,0,.,10,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,.,.,.,2,, 8289,2,17,98,-3,-3,-3,2,54,Chicago,1,2,********************,********************,2,*,A,-4,.,.,********************,.,********************,********************,.,*,B,-4,.,.,********************,.,********************,********************,.,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,6,17,3,*,USA,1,*,8,African Meth. Esp.,2,8,Quaker,.,*,1,*,.,.,1,*,.,21,8,26,97,.,Chatham,.,30,1,1,Part-time at City College,39,Trucker--own rig (self-employed) also violinist part-time.,1,2,******************************,4,1,9,********************,5,1,1,1,Prior Business 1,Invest in real estat,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,1,2,2,2,*,1,1,Chicago,IL,USA,1,President,6,2,6,2,*,Business,5,95,2,*,*,*,2,0,Had space at home-did not want to pay rent somewhere else.,self-help books & audio tapes,1,*,1,African Americans/Asians,0,500,0,300,0,*,360,Printing,200,Supplies,1360,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,1360,0,0,0,0,1360,2,.,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,.,Non Lender 1,*,.,.,.,********************,**,********************,.,*,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,"Unless you have a big business, don't go to bank--",Publishing rules and regulations--not a lot out there for self-publisher.,1,"You can't get money for somethings you like to do--",2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,2000,1,City College,.,.,******************************,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,1,*,.,Owner,23,2,A,8,Consultant,10,2,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,2,.,.,********************,2,.,.,.,.,.,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,********************,.,.,.,.,.,.,.,*,.,.,.,.,.,.,*,.,.,.,.,.,.,.,.,.,.,.,*,*,.,.,.,.,.,*,.,*,.,*,2,********************,**,********************,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,**,.,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,4,.,*,*,.,*,Supplier 1,Chicago,IL,USA,1,.,1,Neighborhood,0,5,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,6,1,Visit Hyde Park area a lot,0,3,.,.,*,.,.,.,*,2,.,*,.,.,.,*,Supplier 3,********************,**,********************,.,.,.,*,.,.,.,.,*,.,.,.,*,.,.,*,.,.,.,*,3,.,*,2,Creditor 1,.,-4,.,.,********************,**,***,.,.,********************,.,-4,.,.,********************,**,***,.,.,Creditor 3,.,-4,.,.,********************,**,***,.,.,.,Creditor 1,********************,Creditor 2,********************,********************,********************,2,Association 1,********************,**,********************,********************,*,*,Association 2,********************,**,********************,********************,*,*,Association 3,********************,**,********************,********************,*,*,Cost too much money--big dollars,1,"SBA--Chgo. Chambers of Commerce, Chatham Business Association",2,Service 1,********************,**,********************,********************,.,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,"I'm a little fish in a big pond.",Relatives and friends,A,3,N,1,.,Chicago,IL,USA,Gave me support/approval,My house,C,14,N,1,.,Chicago,IL,USA,Legal advise,His law office,C,22,N,1,.,Chicago,IL,USA,Would support me if I needed his help,My house,1,2,5,********************,A,1,Met in college,1,.,Chicago,IL,USA,Writing/publishing,Honey Suckles/Shakeys bar,B,1,N,1,.,Zion,IL,USA,About publishing her book,Her place/phone,C,.,*,.,.,My nail technician,********************,**,********************,*,*,1,********************,85,0,10,0,0,********************,0,0,0,5,African Asian,0,0,0,0,********************,2,2,*,*,.,.,.,1,2,1,2,2,2,2,1,2,2,2,*,2,2,2,2,1,2,*,1,"It takes money to grow and I don't have the upfront capital.",1,Have to really promote my business--might have to hire someone to help me.,1,.,To keep it going.,*,To live well.,Move to Canada--Quebec,3900,.,2,1,.,********************,.,.,700,3,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,0,.,300,1,200,3,60,1,0,.,100,1,0,.,0,.,0,.,0,.,*,.,.,1,Charity 1,200,Charity 2,.,Charity 3,.,999999,200,*,4000,10000,1000,80,700,15,0,0,75,5,0,0,0,0,0,0,********************,1775,0,.,.,.,.,.,.,********************,.,2,Bank 1,********************,**,********************,Bank 2,********************,**,********************,Bank 3,********************,**,********************,1,96,Financial struggle,.,2,2,2,1,2,1,2,1,1,2,1,2,1,2,*,2,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,*,2,.,*,.,.,-4,.,.,.,-4,.,.,.,-4,.,.,.,-4,., -4,.,-4,.,.,.,-4,.,*,.,.,-4,.,.,********************,.,.,.,.,1,, 8373,2,25,98,6,15,2,1,33,Chicago,1,2,********************,********************,2,*,A,2,2,40,Chicago,2,********************,********************,1,*,B,6,1,11,Chicago,2,********************,********************,8,*,C,-4,.,.,********************,.,********************,********************,.,*,D,-4,.,.,********************,.,********************,********************,.,*,E,-4,.,.,********************,.,********************,********************,.,*,F,-4,.,.,********************,.,********************,********************,.,*,G,-4,.,.,********************,.,********************,********************,.,*,H,-4,.,.,********************,.,********************,********************,.,*,I,-4,.,.,********************,.,********************,********************,.,*,J,-4,.,.,********************,.,********************,********************,.,*,1,13,0,*,********************,1,*,7,*************************,2,8,Jehovah Witness,.,*,1,*,.,.,1,*,.,21,.,********************,24,1,Chatham,.,4,1,2,*,48,He owned a cab company,1,2,******************************,1,2,2,********************,1,1,1,1,Prior Business 1,Freelance photograph,Chicago,IL,USA,2,*,Prior Business 2,********************,********************,**,********************,.,*,Prior Business 3,********************,********************,**,********************,.,*,2,2,2,2,2,1,Unemployed/homeless,-4,-4,********************,**,********************,.,********************,.,.,.,.,*,Business,10,89,2,*,*,*,2,1,Convenience to expressway,"Paintings, wall coverings and dry wall installation",2,.,2,*,0,100,0,0,0,*,0,*,0,*,100,1,0,0,0,0,*,0,0,0,0,0,********************,0,2,0,0,0,0,100,0,0,0,0,100,1,2,*,.,*,Lender 1,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 2,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Lender 3,*,********************,**,********************,.,.,.,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,.,.,.,********************,**,********************,Co-Signer 2,.,.,.,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,Non Lender 1,Convenient to my location,1,2,1,Denver,CO,USA,10000,I needed financial statement & some kind of business plan.,Non Lender 2,*,.,.,.,********************,**,********************,.,*,Non Lender 3,*,.,.,.,********************,**,********************,.,*,*,Lack of cash flow.,1,Credit with suppliers.,2,.,Partner 1,.,*,.,.,.,.,Partner 2,.,*,.,.,.,.,Partner 3,.,*,.,.,.,.,Partner 4,.,*,.,.,.,.,.,2,.,*,.,New Partner 1,.,*,.,.,.,.,New Partner 2,.,*,.,.,.,.,New Partner 3,.,*,.,.,.,.,New Partner 4,-4,*,.,.,.,.,.,.,*,2,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for Operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,.,Lender for operation,*,********************,**,********************,.,.,.,*,.,.,*,.,*,.,.,.,.,********************,.,.,********************,.,.,.,********************,**,********************,Co-Signer 2,********************,.,********************,********************,********************,**,********************,Co-Signer 3,.,.,.,********************,**,********************,1,1000,1,Owner,.,2,Sales clerk,.,.,******************************,.,.,******************************,.,.,******************************,.,.,.,F,.,******************************,***************,.,***************,2,Avoid problems,48,*,.,.,A,.,*,.,.,B,.,*,.,.,C,.,*,.,.,2,.,Relative,.,*,1,1,3,********************,1,3,0,3,0,1,1,0,0,1,Hispanic,0,0,0,0,********************,0,0,0,0,********************,3,2,2,2,2,2,2,*,.,.,.,.,.,.,*,2,2,2,2,2,2,1,1,2,2,2,*,Because it takes a large volume of employee leads to find a qualified applicants.,1,0,0,0,3,Money,1,Drywall,1,Subjection on marketing,1,Chicago,IL,USA,1,.,1,Black pages,0,2,1,Chicago,IL,USA,2,1,1,Trade Assn,0,3,1,Chicago,IL,USA,2,1,1,Yellow pages,0,2,2,********************,**,**********,.,.,.,*,.,.,2,********************,**,**********,.,.,.,*,.,.,2,.,*,The terms they offer where better than I could get elsewhere.,1,They were more expensive,Supplier 1,Chicago,IL,USA,2,1,1,Referral,0,3,1,3000,Net 30,0,30,0,1.5%,2,.,*,.,.,.,*,Supplier 2,Chicago,IL,USA,2,1,1,Referral,0,1,1,1000,Net 30,0,30,0,1.5%,2,.,*,.,.,.,*,Supplier 3,Chicago,IL,USA,2,1,1,Referral,0,1,1,1400,Net 30,0,30,0,.,2,.,*,.,.,.,*,2,.,*,1,Creditor 1,2,-4,2,1,Glenview,IL,USA,3,0,Pitney,2,-4,2,1,Louiville,KY,USA,2,0,Creditor 3,2,-4,2,1,Carol Stream,IL,USA,4,0,1,Creditor 1,Marketing,Creditor 2,Advertising,Ameritech,Communication/Advert,1,Association 1,Glenview,IL,USA,1,Marketing,Both,Association 2,Oak Brook,IL,USA,1,Marketing,Both,Association 3,********************,**,********************,********************,*,*,.,1,Score and NBE,1,Service 1,Denver,CO,USA,Management advise,1,Service 2,********************,**,********************,********************,.,Service 3,********************,**,********************,********************,.,*,People already in the business,A,1,Worked together,2,1,Denver,CO,USA,Cash flow,Job site,C,1,Neighborhood,1,.,Denver,CO,USA,Contracting opportunities,His shop or mine,C,8,N,1,.,Chicago,IL,USA,Sales,Telephone,1,5,3,********************,A,1,Member of congregation,1,.,Chicago,IL,USA,Dealing with employees and general conditions,At home,B,1,N,1,.,Chicago,IL,USA,Working in the neighborhood.,His house,C,1,Member of congregation,1,.,Member of congregation,Country Club Hills,IL,USA,Real estate,At home,1,********************,15,80,0,0,0,********************,0,0,0,5,Asian,0,0,0,0,********************,3,1,Their ability to render deposit & proof of ownership of the property.,Balance on completion or 30 days.,0,0,0,1,2,2,1,2,1,1,2,2,2,2,*,2,1,2,1,1,2,*,1,Because more dollars will be involved then ever before.,1,Introduce more product and services--develop new market and expand our company outside of Chicago.,2,.,*,Because my family has other goals.,Full-time minister,Arizona,130000,.,2,2,2,********************,1,.,3000,2,700,2,300,2,300,2,200,2,4000,2,4800,2,100,2,0,.,0,.,300,2,300,2,800,2,300,2,100,2,100,2,800,2,700,2,200,2,Entertainment,170000,2,1,Charity 1,200,Charity 2,.,Charity 3,.,24000,.,Paid myself,8000,34000,4000,15,15000,45,0,0,7000,20,1000,15,2000,5,0,0,********************,34000,17000,17000,100,0,0,0,0,.,17000,1,Bank 1,Chicago,IL,USA,Bank 2,.,.,.,Bank 3,********************,**,********************,2,.,*,*,.,.,.,.,.,.,.,.,.,.,.,.,.,.,*,.,Assister 1,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 2,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,Assister 3,********************,**,********************,.,.,.,*,.,.,*,.,.,.,.,********************,.,.,.,.,Co-Signer 1,-4,.,.,********************,**,**,Co-Signer 2,-4,.,.,********************,**,**,Co-Signer 3,-4,.,.,********************,**,**,2,2,1,1,2,2,2,1,2,2,2,1,2,2,2,*,1,1,"Auto, liability, workman compensation",2500000,770,3,2,.,.,-4,2,.,.,-4,2,.,.,-4,2, -4,.,-4,2,.,.,-4,2,*,.,.,-4,.,.,********************,.,8,15,2,2,,