(COMMON EXPENSES INCURRED IN BUILDING AN IBO's BUSINESS)

Automobile - Project this expense by apportioning a percentage of your automobile operating costs (e.g., fuel, maintenance, insurance, depreciation, taxes, and interest expense) based on the estimated percentage of business usage, or by multiplying the estimated number of business miles by the standard mileage rate ($.545 currently - may vary year to year).

Communication Equipment and Services - Account for all business lines and services (e.g., telephone, cellular, voice mail, e-mail) to the extent they will be used for business purposes. Be sure to exclude from your projections any expenses attributable to personal use. Do no include any portion of your residence phone charges, other than business-related long distance charges.

Training and Continuing Education - Consult your upline to estimate the costs associated with attendance at seminars and functions, the purchase of Business Support Materials, and other dues and subscriptions.

Travel, Meals, and Entertainment - Consult your upline to estimate the costs associated with travel for training and continuing education functions, group meetings, prospecting, and product promotions.

Advertising and Promotion - Consult your upline to estimate the costs associated with product promotions and prospecting tools.

Supplies - Project this expense by estimating your costs for office supplies, postage and shipping, and other miscellaneous items.