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5 Tax and Financial Planning Actions for the New Year

By BarbaraWeltman, Guest Blogger
Published: December 19, 2013

With 2013 almost over, it’s time to focus on 2014 and get the year started off right. Here are some actions to take now or in early January that will help you optimize your tax and financial results for the coming year.

1.  Revisit your recordkeeping practices

Records are vital for both business and tax purposes. They help know whether or not you’re profitable and provide key information to help you take business actions, such as adjusting prices, cutting expenses, or raising money.

What’s more, in order to take all the deductions and credits to which your business is entitled in 2014, you’ll need good books and records. Often business owners fail to pay attention to this detail until it’s too late and the IRS is questioning write-offs claimed on a return.

Set up a recordkeeping system that satisfies tax law requirements, and make sure that employees know what to do. Check IRS Publication 583 for details on recordkeeping rules for tax purposes. Consider using apps that can help with recordkeeping, such as those for capturing receipts for travel and entertainment expenses. Some may be available for use with, or provided by, your current bookkeeping software or cloud solution.

2.  Note your odometer on January 1

If you use your personal vehicle for business, you can deduct the cost of business driving only if you have the records to back this up. This means noting your odometer at the start of the year and then tracking your business trips regularly.

Again, consider using an app for tracking mileage. Some are free; others entail a modest fee.

3.  Review your business plan

Your business plan should include projections for sales and expenses in the coming year. If you haven’t yet updated these for 2014, do so now, advises SBA blogger Tim Berry. The projections aren’t carved in stone, but they serve as a very useful benchmark against which to measure your results.

It’s a good idea to check projections monthly so you can make adjustments as needed in a timely manner. For example, if you’ve been expecting gasoline prices to remain low but they suddenly spike, you may need to reduce another expense, such as advertising, to keep your budget in check.

SBA tools can help you create a business plan.

4.  Fix your withholding/estimated taxes

If you work for your corporation, make sure that withholding for 2014 will cover your projected tax obligations. Be sure to take into account the 0.9% additional Medicare tax on taxable compensation over a threshold amount that depends on your filing status (e.g., $200,000 for singles; $250,000 for joint filers) as well as the 3.8% additional Medicare tax on net investment income.

If you’re self-employed, your estimated taxes will have to cover roughly what you expect to owe for the year. These taxes should include not only the additional Medicare taxes if you’re a high-income taxpayer, but also self-employment taxes (to cover your Social Security and basic Medicare tax obligations).

The IRS offers guidance on withholding and estimated taxes in Publication 505; the 2014 version should be available early in 2014.

5. Plan to work closely with your tax and financial advisors

Make it a New Year’s resolution to stay in touch regularly with these professionals. While there are fees for these services, likely they will save you money and trouble in the long run.


The economy and taxes are continually changing. Make it your top resolution to stay informed about new developments that can affect your business and impact your actions throughout the year.

About the Author:

Barbara Weltman

Guest Blogger

Barbara Weltman is an attorney, prolific author with such titles as J.K. Lasser's Small Business Taxes, J.K. Lasser's Guide to Self-Employment, and Smooth Failing as well as a trusted professional advocate for small businesses and entrepreneurs. She is also the publisher of Idea of the Day® and monthly e-newsletter Big Ideas for Small Business® and host of Build Your Business Radio. She has been included in the List of 100 Small Business Influencers for three years in a row. Follow her on Twitter: @BigIdeas4SB or at

Easy Video Tutorials on Business Planning

By Tim Berry, Guest Blogger
Published: December 18, 2013 Updated: September 13, 2016

I’d like to call your attention to a series of video tutorials I did not that long ago as a donation to this community. They are all here and I’d like you to be aware of them. They are organized into modules, 2-10 minutes each. You can pick and choose and jump around, or run through them in the original order. They are here as a resource for you. (Note: the text in bold here highlights links to the videos)

  1. Introduction and orientation. 2 minutes 13 seconds (2:13). What’s planning, why do you care, why the planning is more important than the plan. 
  2. Planning is modular. 1:26. Think of your business plan as a matter of blocks, like interrelated pieces. You don’t have to have the whole block structure done before you take any next steps. Start your blocks where you like. 
  3. Form follows function. 4:45. Keep it short and simple in the beginning, and grow it as you grow your business. It might be projections plus slides, bullet points, or whatever serves the business need. 
  4. Planning is management. 1:20. It’s not a document, it’s planning process, which is about steering your company. Goals, metrics, milestones, review and revise. 
  5. Strategy. 8:04. Strategy is focus. Focus your business offering to your target market, and use planning to develop and manage priorities and steps. Strategy is the heart. 
  6. Flesh and bones. 10:25. About the plan document itself. Milestones, metrics, responsibilities, and getting things done. 
  7. Sales forecast. This one is so important – and causes so much fear and doubt – that it’s not a single video, but three of them. The first is 4:51, second 3:10, and third is 9:27. I promise you, sales forecasting is far easier than you fear. Anybody who can run a business can do it. 
  8. Dress and grow your business plan. 12:15. As your company grows, your planning grows. As you grow, if you add people to your team, then you want to bring them into the process and make sure you’re on the same page. You bring in skills. The business gets more complex as it grows. Cash flow gets more sophisticated. 
  9. The formal business plan document. This is another with three videos: 5:39, 8:48, and 2:26. How you can fine-tune your plan to appeal to specific needs of raising investment, applying for a loan, working with partners, etc. 
I went through these recently and I think all of it still applies. And it’s all free, with no selling, on this site. 

About the Author:

Tim Berry
Tim Berry

Guest Blogger

Founder and Chairman of Palo Alto Software and, on twitter as Timberry, blogging at His collected posts are at Stanford MBA. Married 46 years, father of 5. Author of business plan software Business Plan Pro and and books including his latest, 'Lean Business Planning,' 2015, Motivational Press. Contents of that book are available for web browsing free at .

Practices to Protect Your Small Business from Employee Lawsuits

By jdelung, Contributor
Published: December 18, 2013 Updated: December 18, 2013

Getting sued by current or former employees happens more often than you might think. In fact, the number of lawsuits filed regarding wage-and-hour laws alone in 2011 went up 32 percent from just three years prior. Don’t be too busy to check in and ensure you aren’t breaking laws or otherwise opening yourself up to a potential lawsuit — no small business owner has the time, or money, for that.

There’s a plethora of advice out there on the subject of protecting your business from lawsuits. Before you read on, remember, you should always consult your legal counsel to ensure you are complying with federal and state laws. Laws regarding certain practices, such as non-compete agreements, vary widely from state to state.

Information and resources on avoiding legal trouble

We’ve compiled a list of some of the most helpful tips from around the Web.

When in doubt, consult your legal counsel. However, by taking some preventative measures, you could avoid legal issues before they start.

About the Author:

Joshua DeLung


I am an author for the the Community. I write about useful topics for your entrepreneurial endeavors and help point you in the right direction to find other resources for your small business needs. Our ongoing goal is to improve this site to meet your needs, so we're happy to receive your feedback and participation. Thanks for joining our online Community here at!

Healthy Food Franchises: Take a Bite Out of One!

By FranchiseKing, Guest Blogger
Published: December 17, 2013

In the franchise world, I’m often watching trends in what types of businesses are becoming popular and successful. Take the frozen yogurt trend for instance; it’s still going strong. New franchises are opening every day. It will be interesting to see how long the buzz in frozen yogurt continues.

I’ve noticed another recent trend toward healthier food options. With statistics like the fact that more than ⅓ of adult Americans are obese,* it’s no surprise, really, that the franchising world would respond in kind.

Move Over, Burgers

Used to be, salads were the thing you didn’t want to order on a fast food menu featuring hamburgers.* They were wilted, waterlogged and anything but appetizing. Then a few years ago, fast food franchises like Wendy’s started offering better-tasting salads. And they sold pretty well.

Now those old standby fast-food chains have to compete with franchises that specialize in salads. Consumers are increasing their demands for healthier options and more and more franchises that focus on healthy eating will continue to spring up.

Changing the Formula for Fast Food

Not only are we seeing a trend in franchising away from traditional burger franchises, we’re also seeing a shift in expectations. “Slow” fast food brands like Chipotle* have appeared on the scene in the last few years, focusing not on delivering food in seconds but rather customizing orders and using quality ingredients. As long as consumers can wait for “slower” fast food because they can see and taste the difference, franchises will emerge that specialize in this way of cooking and presenting food.

Thinking Outside the Traditional Franchise

We’re not just seeing new restaurant concepts popping up in the area of healthier eating. There are now healthy vending machine franchises being offered. Healthy options that can now be found in vending machines include fruit juice, smoothies, fresh fruit, granola bars and organic and gluten-free options. For franchisees, these are particularly enticing because of the premium people seem to be willing to pay for some of these “healthy” snacks.

Don’t Forget About the Kids

More and more parents are becoming concerned about the unhealthy options offered in school cafeterias. While the government has made great strides in improving school meal standards over the past few years, some schools are taking matters into their own hands by partnering with franchises like Wholesome Tummies.*

Back to the Question

So will these healthier food franchises make America healthier? Or are they simply a reflection of a movement that is already in place: one of making more conscious choices about what we eat? Either way, there seems to be plenty of room for franchisors, franchisees and customers alike to benefit.

And the increase in the number of these healthy franchise options really has the attention of the fast food moguls. McDonald’s announced it would offer healthy options as sides* this year in all locations worldwide by 2020. That might not be soon enough, judging from the speed at which the healthy food franchise niche is growing!

I’ll be keeping my eye on this industry to see what comes up in the next few years.

You should too.

*Non-US Government link


About the Author:

Joel Libava

Guest Blogger

The Franchise King®, Joel Libava, is the author of Become a Franchise Owner! and recently launched Franchise Business University.

How Small Businesses Can Get Tax Deductions for Charitable Giving

By jdelung, Contributor
Published: December 16, 2013 Updated: March 8, 2016

Most small businesses make charitable donations. In fact, surveys have shown that about 75 percent of small business owners donate some portion of their profits — about 6 percent on average — to charitable organizations each year.

As we’re in the midst of the holiday season (and tax season looms), many small business owners are likely considering charitable contributions and wondering how such donations might impact the bottom line in terms of tax deductions. First, it’s important to choose the right charity and avoid certain pitfalls that could leave you in a bind.

Choosing the right charity

Only certain types of contributions qualify for a deduction (more on that later), so if getting the tax benefit is part of your goal, it’s important to properly research any organizations to which you plan to donate. However, you might also think about other potential benefits (aside from the great feeling you get from helping others) such as how the donation aligns with your public relations strategy for corporate social responsibility and how meaningful a volunteer project or fundraising initiative might be for employees.

Although tax deductions and the rewarding benefit of helping those in need are often goals in charitable giving, you should also consider that such acts also open up an opportunity to showcase the good work you’re doing in the community to potential employees and customers. 85 percent of consumers have a more positive image of companies who are philanthropic. Employees who have a favorable impression of their company’s philanthropic program are five times more likely to remain with their employer.

For more on aligning your charitable giving strategy with your business strategy, follow these five tips from Small Business Trends. You should also consult the FTC’s checklist for avoiding charity scams.

Getting the deduction

Again, not everything qualifies. But by following these general guidelines and consulting your accountant or tax attorney, your small business should be set to get credit.

  • Identify an eligible charity, usually a 501(c)(3), using this IRS search tool
  • Make an eligible donation: cash, volunteered services, sponsorship of a charity event or the donation of inventory or services
  • Understand that each category has its own limitations (for example, you can’t deduct the value of your volunteered service, but you can deduct expenses incurred such as supplies) — links to all the related forms and limitation information are available from the IRS (see also: IRS Publication 526)
  • Ensure the donation is paid in full by the end of the tax year and reported through Form 1040, Schedule A
  • Take your deduction, but remember that the IRS limits the amount of charitable donations that can be considered tax-deductible to 50 percent of your adjusted gross income
  • Keep records — you’ll want them in the event of an IRS audit. Generally, an organization should give you a written statement if it receives a contribution from you

Charitable giving boils down to determining your strategy, properly researching the organization to which you wish to donate and following the IRS’ guidelines for giving. Do those three things, and your small business will be well on its way to giving back.

About the Author:

Joshua DeLung


I am an author for the the Community. I write about useful topics for your entrepreneurial endeavors and help point you in the right direction to find other resources for your small business needs. Our ongoing goal is to improve this site to meet your needs, so we're happy to receive your feedback and participation. Thanks for joining our online Community here at!

Grow Your Small Business with an e-Commerce Strategy

By bridgetwpollack, Guest Blogger
Published: December 12, 2013 Updated: December 12, 2013

As we ramp-up to the gift-giving holiday season, I wanted to take a minute to focus our efforts on retail businesses and specifically how they can maximize their returns. Nearly every type of retail business can benefit from the increased exposure and audience size afforded by an e-commerce site, so we’ve compiled our top resources for adding or improving your e-commerce site.

Get Started

If you’re currently using your website as a marketing tool or to give customers valuable information, the next obvious step is to add e-commerce capabilities. Selling products or services online isn’t as hard as you might think and creates a new source of cash flow for your business.

SCORE’s guide, “How to Add eCommerce to Your Website,” will walk you through how to:

  • Brainstorm ideas of what you should offer online
  • Choose your payment solutions
  • Choose a shopping cart solution
  • Investigate e-commerce software

Get Found

Next, you’ll want to have a plan for how to draw customers in. Having a solid domain name strategy can play a big role in helping your online business to succeed. It all starts with choosing the right domain name, or Web address, to represent your business on the Web. Have you considered the strategy of having multiple domain names pointing to your single website? Dan Beldowicz, creator of Social Media BS, recommends tools and strategies for establishing your main domain name and helping you brainstorm additional domain names that will benefit your business. Dan says, “Think about purchasing domain names that represent different aspects of your business, such as product names or taglines.”

Build Relationships

Finally, get your web visitors to click that “purchase” button. Filling shopping carts is about “building relationships with your customers and your potential customers.” says Shawn Pfunder, Go Daddy Web Expert and small business guru. “The hard part about that is: how do you do that with just a computer? Websites have gotten a bad rap for being very de-personalized.” In preparation for the upcoming retail surge, Shawn shared his 10 tips to fill holiday shopping carts in your e-commerce store, including:

  • #1 Write remarkable descriptions
  • #4 Solicit and publish reviews
  • #7 Cross-sell the smart way

There’s still time to take advantage of the upcoming retail rush by getting your business started selling online or improving your current e-commerce strategy. Use these resources combined with the know-how of a SCORE mentor to get your business harnessing the selling power of the internet today.

About the Author:

Bridget Weston Pollack

Guest Blogger

Bridget Weston Pollack is the Vice President of Marketing and Communications at the SCORE Association. She is responsible for all branding, marketing, PR, and communication efforts. She focuses on implementing marketing plans and strategies to facilitate the growth of SCORE’s mentoring and trainings services. She collaborates with SCORE volunteers and develops SCORE’s online marketing strategy.

Government Contracting – Resources to Help You Succeed

By kmurray, Contributor and Moderator
Published: December 12, 2013 Updated: August 3, 2016

If you’re just getting started in the world of government contracting, you’re not alone if you’re feeling a bit overwhelmed! Entering the federal marketplace is one unlike any other – but there are specialized resources to help you succeed. A great one to take advantage of is a Procurement Technical Assistance Center.

Procurement Technical Assistance Centers

Administered by the Defense Logistics Agency, Procurement Technical Assistance Centers (PTACs) provide local, in-person counseling and training services to businesses that want to sell products and services to federal, state and/or local governments.

PTACs are hosted by organizations such as universities and local chambers of commerce, and the training and assistance they provide is usually free. Located in 49 states, Washington, D.C., Puerto Rico and Guam, their expertise can help you…

Determine if your business is ready for government contracting
Pursuing government contracts can be challenging, especially if you’re unfamiliar with the particulars of the landscape. If you don’t have the resources to handle a contract, you may find that you’re in over your head. A PTAC representative can sit with you one-on-one and determine if your business is ready, and help position you for success.

Register in the proper places
There are numerous databases to register with to get involved with the government marketplace, including the System for Award Management (SAM), GSA Schedules and other government vendor sites. A PTAC representative can help you sort through the databases, provide insight about where you need to register and provide guidance about how to proceed with the registration process.

See if you are eligible in any small business certifications
Some government contracts are set aside for certain businesses with special certifications, such as woman-owned, small disadvantaged businesses and HUBZone. A PTAC representative can help you determine if you’re eligible for any and then let you know how to obtain these certifications.

Research past contract opportunities
A PTAC representative can look into past contracts to see what types of contracts have been awarded to businesses like yours. In addition, a PTAC can help you identify and bid on a contract, and if you are awarded the contract, measure your performance and help with contract audits.


PTACs offer a wealth of information, experience and insight into government contracting, so find your nearest one today so you can make the government your business’ next customer! For additional information, you can also check out the site for the Association of Procurement Technical Assistance.

About the Author:

Katie Murray

Contributor and Moderator

I am an author and moderator for the the Community. I'll share useful information for your entrepreneurial endeavors and help point you in the right direction to find other resources for your small business needs. Thanks for joining our online community here at!

Small Business Patents, Copyrights and Trademarks

By kmurray, Contributor and Moderator
Published: December 11, 2013 Updated: September 21, 2016

As an entrepreneur or aspiring small business owner, one of the most significant considerations that may come to mind is how to protect your work. What steps should you take to ensure that someone else couldn’t lay claim to what your product or service? Does a patent, copyright or trademark apply? Here’s some clarifying information about patents, copyrights and trademarks and how to protect your intellectual property.

The U.S. Copyright Office provides a clear distinction between these three types of protection:

  • Patents protect inventions or discoveries
  • Copyright protects original works of authorship
  • Trademarks protect words, phrases, symbols or designs identifying the source of the goods or services of one party that distinguishes them from others


According to the U.S. Patent and Trademark Office (USPTO), a patent is an intellectual property right granted to an inventor that prevents others from making, using, or selling the invention throughout the U.S. or importing the invention into the U.S. Patents last for a limited time and come in exchange for publically disclosing the invention when the patent is granted.

There are three types of patents you can apply for based on your type of invention: utility, design and plant (yes, the green kind!).

  • Utility patents – if you invent or discover any new and useful process, machine, article of manufacture, composition of matter – or any new and useful improvement of these – you may be eligible for a utility patent.
  • Design patents – if you invent a new, original and ornamental design for an article of manufacture
  • Plant patents ­– if you invent or discover a distinct and new variety of plant


A copyright (©), according to the U.S. Copyright Office, protects original works of published or unpublished authorship including literary, dramatic, musical and artistic works (such as poetry, novels, movies, songs, computer software and architecture).

Copyright doesn’t protect facts, ideas, systems or methods of operation, but it may protect the way these things are expressed.

While you don’t have to register a copyright because it applies the moment your work is created, registration is required if you ever establish a lawsuit for copyright infringement. Many also choose to register their works because they want the facts of their copyright on the public record and have a certificate of registration.


A trademark (TM) is a word, phrase, symbol or design that identifies the source of the goods of one party and distinguishes them from others. You might have also heard of a service mark (SM), which is essentially the same as a trademark, but it denotes the source of a service rather than goods.

You aren’t required to register your mark to establish claim over it – you’ll be able to use “TM” and “SM” to let others know of your ownership. The registered mark (®) comes into play if you’ve filed an application with the USPTO and it’s been officially registered.

Here’s some additional information about protecting your trademark.


Additional Resources

About the Author:

Katie Murray

Contributor and Moderator

I am an author and moderator for the the Community. I'll share useful information for your entrepreneurial endeavors and help point you in the right direction to find other resources for your small business needs. Thanks for joining our online community here at!

What Business Funding Strategy is Best for Your Business?

By Marco Carbajo, Guest Blogger
Published: December 10, 2013

If we have learned anything from the economic downturn several years back, it’s that business is cyclical and tough times stress the finances of a business tremendously. If a company is out of funds and does not have access to financing, it may not be able to recover.

While many businesses fail for numerous reasons, insufficient capital is among the leading causes of business failures. A lack of funding will hamper any company’s ability and threaten its potential for growth and stability.

Having access to business funding is essential in today's business environment. Preparation, integration and amplification of one’s funding strategy leads to many financial advantages. In addition, access to the latest business finance information, resources, tools and funding sources further support the stability of a business. That’s where credit becomes a factor.

Success in obtaining business credit and financing is greater than simply being qualified; it's about being fully prepared. Numerous business owners are qualified yet still get declined due to the fact that they were not ready. A business owner failing to prepare and be fully knowledgeable with respect to personal and company creditworthiness is the source of 99% of declines for credit.

It starts with carrying out an individual and company credit analysis. By identifying the weak points and strengths that you and your business have, the much better you can plan and execute the most efficient business funding strategy.

Whether you own a start-up or existing business, the very best time to implement a short term and long term funding strategy is now. Don’t you think it’s better to have access to credit and funding before your company actually needs it?

First, some fundamental questions include but are not limited to the following:

  • Are you a startup or existing business?
  • What is the major industry focus for your company?
  • Does your business operate as a sole proprietorship, partnership, corporation or LLC?
  • Do you have a commercial location or is your company home based?
  • Is there a bank account in the company's name, if so just how long has it been opened?

These simple questions are meant to provide basic information about the stage, structure and operation of your business. Once this is established, the next step is determining what funding programs are readily available to you based upon your individual assets and company assets.

However, when it comes to personal assets I am not just describing assets such as real property, IRA & 401K investments. This also refers to personal FICO® scores and potential credit partners you may have.

A solid FICO® score is an asset that has value to your company’s capacity to obtain funding such as obtaining high limit business credit cards that report solely to the business credit agencies.

For business assets I'm not merely describing annual revenues, credit card sales, owned equipment, outstanding invoices or commercial real estate. Your business credit ratings, business credit reports, and bank ratings are also assets.

For example, with a creditworthy business you may qualify for greater credit limits and more flexible terms because lenders can assess the creditworthiness of a business instead of merely relying upon the personal credit ratings of the individual business owner.

Did you know a creditworthy business has 10 to 100 times greater credit capability than an individual?

By taking an honest individual and business credit assessment one could layout a sound business funding strategy – a strategy that enables you to maximize your funding capacity for the short term and the long term.

About the Author:

Marco Carbajo
Marco Carbajo

Guest Blogger

Marco Carbajo is a business credit expert, author, speaker, and founder of the Business Credit Insiders Circle. He is a business credit blogger for Dun and Bradstreet Credibility Corp, the Community, and All His articles and blog; Business Credit, have been featured in 'Fox Small Business','American Express Small Business', 'Business Week', 'The Washington Post', 'The New York Times', 'The San Francisco Tribune',‘Alltop’, and ‘Entrepreneur Connect’.

The Truth Behind Government Grants for Small Businesses

By kmurray, Contributor and Moderator
Published: December 9, 2013 Updated: July 20, 2016

Financing your small business ventures is likely one of your biggest concerns as an entrepreneur. One route you might be considering is to apply for grants, but there are strict guidelines when it comes to being eligible for any government grants. There are some instances that might make you eligible, but it depends on what kind of business you’re in and what the government and taxpayers may receive in return for their investment in your endeavor. Here’s what you should know.

Is my business eligible?

Federal and state governments don’t provide grants to:

  • Start a business
  • Pay off debt
  • Cover operational expenses

Grants from the federal government are authorized through bills passed by Congress and signed by the President – and grant authority varies widely across the various agencies (such as SBA, USDA, DOE, etc.).

Federal grants are typically aimed at specific industries and causes identified by the government. These usually include scientific and medical research, conservation efforts, and so on.

Sometimes at the state government level, business grants or “discretionary incentive grants” are available, but they’re still closely tied to the agency’s agenda. These grants usually serve to advance regional economies and promote causes, such as clean energy development. Unfortunately for small businesses, however, state grants are often geared toward large businesses. They may also require that the grant be matched or combined with other forms of financing such as a loan.

Research-and-Development Grants

If your small business is engaged in scientific research and development (R&D), you may qualify for federal grants under the Small Business Innovation Research (SBIR) and the Small Business Technology Transfer (STTR) programs.

SBIR and STTR programs encourage small businesses to undertake R&D projects that:

  • Meet federal R&D objectives
  • Have high potential for commercialization

You can explore to learn more about specific SBIR and STTR programs and opportunities throughout the federal government.

What’s the bottom line?

The bottom line is that if you’re looking for free money, you won’t get it from the government. Unless you can fill a specialty area, you won’t have luck securing funding from a federal grant. In general, if you’re looking to start or grow your business, you should consider exploring other options like loans or maybe crowdfunding.

Want to learn more? Check out – a centralized hub of more than 1,000 different grant programs across all federal grant-making agencies – to find out more and apply for federal funding opportunities.

About the Author:

Katie Murray

Contributor and Moderator

I am an author and moderator for the the Community. I'll share useful information for your entrepreneurial endeavors and help point you in the right direction to find other resources for your small business needs. Thanks for joining our online community here at!


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