Business Essentials

As seen in … Does “play time” or “me time” seem sinful luxury? An informal survey of women business owners indicates that play time isn’t just essential to your health—it can boost your bottom line. According to the U.S. Census Bureau, 99% of all small businesses have 20 or fewer employees, which often means owner-controlled. […]

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As seen in … “Clever people and grocers weigh everything.” So do service business owners when it comes to growing revenues.  “Do I want more?” they ask themselves. “Of course!  There’s the mortgage. The kids’ college fund. Mom’s medical expenses. And that bucket list trip to Tahiti!” Yet surely as the sun sets over Bora […]

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Q.:  My friend and I are trying to start a construction cleanup business. We’re wondering: Do we have to get small business insurance if we are the only ones working? Are there any other legal factors we should consider? A.:  Yes, yes, a thousand times YES!  Any business that deals in high-risk and related activities, […]

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Q.: I’m starting up a children’s art class business in my home and would like to know how to protect myself from being sued in case of injuries to children. I can’t afford to pay for insurance at this time and although I don’t have anything dangerous in my studio, I would rather be safe […]

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Q.: What type of small business insurance is needed for a virtual office situation that spans more than one state?  My small business is an S-Corp with employees in Florida. A.: Regardless of your form of business entity, having small business insurance provides another important level of protection. There are various kinds of small business […]

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A DBA – or Doing Business As name – will keep your business in good legal standing, so it’s a good idea to file a DBA as soon as possible after launching your company. The DBA or Fictitious Business Name designation was created as a form of consumer protection, to prevent business owners from operating […]

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As I channel-surfed the other night, a VH-1 documentary on disco reminded me of 8-track tapes. When all of my friends had them, I absolutely, positively had to have them, too. But very quickly, I realized that they didn’t meet my needs (I couldn’t rewind and replay my favorite parts of the Star Wars soundtrack), […]

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Way before we get to the legalities of a joint venture, it’s important to start with a mindset of knowing why we want to get into one in the first place.  As with romantic relationships, to get into one “because everyone else is,” tends to be a lousy justification which produces lousier results.  In his […]

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Q.: I recently got laid off from my full-time job. My small business only makes enough to cover my business expenses. Can I still collect unemployment from my full-time job even if I have a sole proprietorship? A.: Generally, you cannot get unemployment coverage if you are a small business owner.  The purpose behind unemployment […]

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Q.: Am I required to have workers compensation coverage if I am the sole employee/owner? A.: Generally, if you are self-employed, you are exempt from the requirement to have Workers’ Compensation coverage to cover yourself.  However, the minute you add an employee, get that in place – pronto! Some states do allow you to “opt in” […]

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