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               B U S I N E S S  P L A N  M A S T E R
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                        for Windows
    					
                        Version 1.0
    
    
          BUSINESS PLAN MASTER will:
    
        *   Help you create a highly professional business plan.
    
        *   Save you many hours (even days!) of work.
    
        *   Let you compare your business with others in your
            industry.
    
        *   Give you buckets of money, Shangri-La, a Rolls-Royce
            in your driveway, the perfect spouse, wonderful
            children, world peace and intergalactic harmony.
            (just kidding!)
    
    Requirements
    ------------
    
        Any PC or compatible with Windows, a word processing
    or page layout program and a spreadsheet program.  These
    files are designed for use by those with a basic (not
    advanced) knowledge of word processing and spreadsheets.
    
        The text files are in Word/Windows 2.0 and ASCII
    (*.TXT) formats.  The spreadsheet files are in
    Excel/Windows v4.0 (*.XLS).  Any later versions and also
    many other competitive programs should be able to import
    these files.
    
        I am partial to laser printers, but it is not a
    requirement UNLESS you are planning to present this plan to
    venture capitalists or other sophisticated investors.
    
        A Macintosh version is also available.  It is located on
    CompuServe, Ziffnet, GEnie, Delphi, America OnLine, BMUG,
    and BCS-Mac, as well as several shareware vendors.
    
    
    Purpose:
    
        Every business needs to have a plan in order to track
    its progress.  There is no business too small, too large,
    too complex or too simple to avoid having a business plan.
    I found that many businessmen assume that the usefulness
    of their business plan is over once the business is
    up and running.  I have been successful using a business
    plan not only to start a business, but as an important
    management tool in an ongoing business.
    
        This program is designed for use by any size (small,
    medium or large) or type (product or service) of business.
    It also includes all the necessary information which most
    lenders or investors are seeking.
    
        I didn't write this program in an ivory tower some
    place, but out of my own business experience.  For seven
    years, I imported cuckoo clocks from the Black Forest of
    Germany, so this is definetly a "cuckoo" program!  I have
    been involved in many other business ventures.  I'd be lying
    if I said I made money with all of them.  But I can
    truthfully say that all were successful, mainly because I
    followed a plan and stuck to it.
    
        BUSINESS PLAN MASTER supplies you with complete template
    files.  I give you professional formats (footnootes, tables
    of contents,some simple graphics), some excellent sample
    text and several spreadsheet files for you to use.  Alone
    these could save you many hundreds of hours of work.
    Because of the wide diversity of businesses and business
    ideas, I have tried to make these files as universal as
    possible.  Over time, you will likely incorporate your own
    language into the text and make modifications to the
    worksheets.
    
        Please work on copies of these files in case you trash
    one.  It happens to all of us!
    
    
    
    -----------
    QUICK START
    -----------
    
        If you want to get started quickly, just read these few
    lines:
    
        FIRST, take a look at what is here.
    
        Open the spreadsheets in your spreadsheet program.  The
    best file to look at first is BPMPROF.XLS (Proforma
    Financial Statements).  I highly recommend that you do
    your spreadsheet work first.  Make sure your business
    idea is going to be financially worthwhile before trying
    to write the text portion.
    
        Get into your word processing program.
    
        Open the BUSINESS PLAN MASTER file, either BPMWIN10.DOC
    (Winword 2.0), or BIZPLN21.TXT (ASCII text).  This is
    the main BUSINESS PLAN MASTER file which will contain
    the text you will use.
    
       To access the BPMWIN10.DOC file from Winword, use
    "File Open" and then look for it in the directory you
    placed it in.
    
        If you are now hopelessly lost, take a look at the
    User's Guide.  By registering at the *PROFESSIONAL* level, I
    send you a printed User's Guide along with other valuable
    items.
    
    
    --------------
    List of Files:
    --------------
    
    
         The text files are in two formats, ASCII text and
    Word/Windows v2.0 The spreadsheet files are in
    Excel/Windows 4.0 (*.XLS) format.  These files can be
    opened with higher versions.  Most other Windows
    spreadsheet programs can import these Excel files.
    
    
    BPMWIN10.DOC and BIZPLN21.TXT
        Business Plan Master
        
        This is the main template document.  A ready-to-go form
    which will help you have a business plan in print in
    just a few hours.  Identical in every format.  TXT =
    ASCII, DOC = Winword.
    
    
    REGISTER.ME
        Registration Form
        
        This is a shareware program and this is the form to use
    to register.
    
    
    BPMBREAK.XLS
        BPM Breakeven Analysis
    
         A simple worksheet to determine your breakeven point.
    Either contains macros (Lotus) or has an accompanying
    macro sheet (MS Works).
    
    
    BPMHIST.XLS
        BPM Historical Statements
    
        For companies which have been in business.  A way to
    compare your past performance to your planned future
    performance.
    
    
    BPMPROF.XLS
        BPM Proforma Financials
        
          A large worksheet which will chart your cash flow,
    generate income statements, balance sheets, ratio analysis,
    asset use, chart EPS, and technical analysis.
    
    
    USERS.GDE
        User's Guide
    
        You may print this out to guide you in filling out file
    "Business Plan Master" and the worksheet files.  Or you can
    register at the **PROFESSIONAL** LEVEL and I will send you a
    printed User's Guide designed to fit nicely next to your
    computer.
    
    
    
    --------------------------------
    How to Obtain Technical Support:
    --------------------------------
    
        All users can obtain Technical Support either by U.S.
    mail, CompuServe E-Mail (70400,153), GEnie (D.WORKS3), or
    America OnLine (DavidW2959).  We will try our best to fully
    support unregistered users during their evaluation period,
    but we will give priority to registered users, if necessary.
    Registered users become eligible to receive free, unlimited
    Technical Support by telephone.
    
    
    
    ------------------
    What SHAREWARE is:
    ------------------
    
        Shareware describes a method of distributing copyrighted
    software in which a user is allowed to fully evaluate the
    software before purchasing it.  After an evaluation period,
    the user is required to register the product if he decides
    to keep using it.
    
        Shareware distribution addresses all of the legitimate
    complaints that users have with commercial software
    distribution.
    
      o Shareware allows a user to fully evaluate a product,
        free of charge, in his or her home or business, *before*
        deciding to buy it.
        
      o Shareware programs can circulate freely on Bulletin
        Boards, through Shareware disk distributors, or through
        user groups.
    
      o Because Shareware distribution reduces the need to
        advertise, Shareware is less expensive than commercial
        software.
        
      o Shareware authors can often be more responsive to users'
        requests for help or bug fixes than large software
        companies.
    
      o Shareware software, needless to say, is never
        copy-protected.
      
    
        In short, Shareware is a user's dream come true.  Users
    show their appreciation to developers for this extremely
    flexible distribution scheme by registering their software.
    Without user registrations Shareware software would
    gradually disappear.  It is not sufficient to simply let the
    "other guy" pay the registration.  You are the other guy's
    "other guy".
    
    ----------------------
    What SHAREWARE is not:
    ----------------------
    
        Shareware is not "free" software.  Shareware is not
    Public Domain software.  The fee that you may have paid to
    receive a Shareware program does not mean that the software
    has been paid for.  This money was paid to a Shareware disk
    vendor, User Group, Bulletin Board Service or retailer to
    cover their cost of getting the program to you.  Shareware
    software is paid for by registering your copy with the
    author.
    
    
    
    
    ----------------------------
    Business Plan Master History
    ----------------------------
    
        BUSINESS PLAN MASTER has been under development for over
    four years.  During that period it has been in constant use
    by its author.  BUSINESS PLAN MASTER was originally
    developed for the IBM PC.  It was later developed to run on
    Apple Macintosh computers.  The development now is done
    concurrently - wherever I feel like working on a particular
    day!
    
    Version 1 - released January, 1992.
    
    Version 1.1 - vaporware
    
    Version 1.2 - Released March, 1992 - Expanded emphasis on
    service businesses, changes in User's Guide to make it
    clearer, addition of ASP required text.
    
    Version 1.3 - Released June, 1992 - Many cosmetic changes
    and change of number formats to ease international use.
    More changes in User's Guide to help understanding of
    financial terms and phrases.  Got rid of a lot of extraneous
    *.doc files and added more humor.
    
    Version 1.3(a) - Released September, 1992 - Added a few
    items to BPMPROF.WK1.  Maintenance upgrade.
    
    Version 2.1 - Released November, 1992 - Rewrote spreadsheets
    in Lotus 1-2-3 version 2.01 (rather than 2.2) to allow
    greater usage.  Added new text to BIZPLN21.* files.  Added
    Microsoft Works files.  Added PROFESSIONAL PACKAGE
    registration.  Author moved to "God's Country".
    
    Business Plan Master for Windows v1.0 - Released
    November, 1992.  After many requests, I configured the
    files to work on Word/Windows and Excel/Windows.
    
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    
    -----------------------------------
    The Future of BUSINESS PLAN MASTER:
    -----------------------------------
    
        BUSINESS PLAN MASTER is a dynamic program.  BUSINESS
    PLAN MASTER has changed considerably since its conception,
    and it has been further enhanced since its Shareware
    release.  I originally wrote BUSINESS PLAN MASTER for an
    import venture with Germany and that well-known German
    perfectionism has rubbed off on me!  I have already spent
    thousands of hours developing this program.
    
        By distributing BUSINESS PLAN MASTER as Shareware I am
    expressing my confidence in the public to "Do the Right
    Thing".  I would like you to evaluate BUSINESS PLAN MASTER
    for as long as 30 days before deciding whether you want to
    keep it.  If you do decide to keep it, you must register
    your copy.  Full details on registration can be found in the
    REGISTER.ME file.  I would be anxious to hear your comments
    about BUSINESS PLAN MASTER.  Please feel free to contact me
    with your suggestions for new features, etc.
    
    
              
    Trial Use License:
    ~~~~~~~~~~~~~~~~~~
    Business Plan Master is NOT a public domain program.  It is
    Copyright (c) 1992 by David A. Works.  All rights reserved.
    
    This software and accompanying documentation are protected
    by United States Copyright law and also by International
    Treaty provisions.  Any use of this software in violation of
    Copyright law or the terms of this limited license will be
    prosecuted to the best of our ability.  The conditions under
    which you may copy this software and documentation are
    clearly outlined below under "Distribution Restrictions".
    
    David A. Works hereby grants you a limited license to use
    this software for evaluation purposes for a period not to
    exceed thirty (30) days.  If you intend to continue using
    this software (and/or it's documentation) after the thirty
    (30) day evaluation period, you MUST make a registration
    payment to David A. Works.
    
    
    Using this software after the thirty (30) day evaluation
    period, without registering the software is a violation of
    the terms of this limited license.
    
    Licensee shall not use, copy, rent, lease, sell, modify,
    decompile, disassemble, otherwise reverse engineer, or
    transfer the licensed program except as provided in this
    agreement.  Any such unauthorized use shall result in
    immediate and automatic termination of this license.
    
    All rights not expressly granted here are reserved to David
    A. Works.
    
    
    TRIAL USE (SHAREWARE EVALUATION VERSION) WARRANTY:
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    THE SHAREWARE EVALUATION (TRIAL USE) VERSION IS PROVIDED AS
    IS.  DAVID A. WORKS MAKES NO WARRANTY OF ANY KIND, EXPRESSED
    OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF
    MERCHANTABILITY AND/OR FITNESS FOR A PARTICULAR PURPOSE.
    
    
    
    REGISTERED VERSION ONLY WARRANTY:
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    David A. Works warrants the physical diskette(s) and
    physical documentation provided with registered versions to
    be free of defects in materials and workmanship for a period
    of ninety days from the date of registration.  If David A.
    Works receives notification within the warranty period of
    defects in materials or workmanship, and such notification
    is determined by Grand Universal to be correct, David A.
    Works will replace the defective diskette(s) or
    documentation.
    
    The entire and exclusive liability and remedy for breach of
    this Limited Warranty shall be limited to replacement of
    defective diskette(s) or documentation and shall not include
    or extend to any claim for or right to recover any other
    damages, including but not limited to, loss of profit, data,
    or use of the software, or special, incidental, or
    consequential damages or other similar claims, even if David
    A. Works has been specifically advised of the possibility of
    such damages.  In no event will Grand Universal's liability
    for any damages to you or any other person ever exceed the
    lower of suggested list price or actual price paid for the
    license to use the software, regardless of any form of the
    claim.
    
    DAVID A. WORKS SPECIFICALLY DISCLAIMS ALL OTHER WARRANTIES,
    EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY
    IMPLIED WARRANTY OF MERCHANTABILITY AND/OR FITNESS FOR A
    PARTICULAR PURPOSE.
    
    
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    
        If you have any suggestions for changes or improvements,
    please feel free to contact me via any of the services
    listed below.
    
        IF YOU LIKE BUSINESS PLAN MASTER, PASS IT ALONG TO
    FRIENDS AND BUSINESS ASSOCIATES, BBS'S OR USER'S GROUPS.
    
    Good luck and I wish you the best in your business
    endeavors.
    
    CompuServe          70400,153
    Delphi              DAVIDWORKS
    GEnie               D.WORKS3
    America OnLine      DAVIDW2959
    
    Phone: (406) 862-1280