CBS News: Health Care Act worries small businesses who say they’re not ready for new law

Tuesday, May 14th, 2013

The implementation date for the Affordable Care Act is drawing closer and closer and the lack of direction from the federal government has many small businesses worried about its impact.

CBS This Morning ran this story on how the ACA is making business owners nervous… and a few key lawmakers, too.

An article on Free Enterprise goes into some more detail about business concerns with the ACA:

Gallup finds that 48% of small business owners think the Patient Protection and Affordable Care Act (PPACA) “is going to be bad for their business,” while 39% don’t think it’ll have an impact. Fifty-five percent of those polled think the health care law will increase their health care costs, while only 5% think they’ll pay less.

Lisa Scherzer at Yahoo’s The Exchange blog points out some additional data showing confusion with the law:

A survey conducted in February by eHealth of 259 business owners with fewer than 50 workers found that almost a third (32 percent) of respondents incorrectly believe they’ll be required to provide group insurance in 2014, and 24 percent think they’ll be taxed if they don’t.

“There’s clearly a significant amount of misinformation floating around affecting a number of employers and making them panic,” says Linda Blumberg, a senior fellow of the Urban Institute’s Health Policy Center.

“So many small-business owners are confused about this, but there’s an appetite to learn about it,” says Kevin Kuhlman, manager of legislative affairs at the National Federation of Independent Business. No doubt in part because of this confusion, in February the SBA launched a site to help educate business owners on the new law.

Consumers are baffled, too. A Kaiser Family Foundation survey from March found that, three years after the law’s passage, a majority of Americans (57 percent) say they don’t have enough information about the ACA to understand how it will affect them.

What’s very disturbing from this poll is 41 percent said they’ve held off on hiring workers, and 38 percent said they’ve pulled back on growing their businesses because of the law.

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This week on the Utah Business Report

Saturday, May 11th, 2013

In case you missed one or more of the Salt Lake Chamber’s Utah Business Reports on KSL News Radio, here is a recap of what we talked about this week.

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Great teams need great leaders.

Each year, Utah Business magazine recognizes the state’s top CEOs—those who have provided leadership, vision and decisive strategy for their organizations. This year, SelectHealth CEO and president Patricia Richards was recognized as “CEO of the Year.”

Under Richards’ leadership, SelectHealth has expanded into new product lines and geographic locations. In 2012 alone, SelectHealth expanded its offerings in Idaho through a new alliance with St. Luke’s Health System, the state’s largest health system. SelectHealth also introduced new Medicare Advantage and Medicaid plans.

Richards says SelectHealth plays an important role in improving the health of its members and the communities it serves. She believes SelectHealth has an unprecedented opportunity to be a catalyst and an active participant in changing how health care is delivered and how the individual experiences health care.

Congratulations, Patricia Richards and SelectHealth for this recognition.

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Tomorrow and Thursday marked the Third Annual Utah-Europe Days.

This two-day conference will join Utah companies with international experts and 15 trade representatives from various European countries to discuss the business climate in Europe and potential opportunities for enterprising Utah companies.

Topics discussed will include the Euro currency crisis, technological innovation in Europe and demographic changes. Businesses will also learn how to enter the European markets, and get inside information on Europe’s health care, energy, life sciences and tourism sectors.

Countries represented at the Utah-Europe Days include Bulgaria, the Czech Republic, Croatia, France, Germany, Hungary, Luxembourg, the Netherlands, Norway, Spain, Turkey and the U.K.

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Music holds immense potential to impact the quality of life for individuals with dementia. It is a form of sensory stimulation, which provokes responses due to familiarity, predictability and feelings of security. Seeing and hearing professional musicians perform has a positive impact on functionality with these individuals and often encourages reminiscence, conversations and endearing connections otherwise forfeited.

Utah Symphony-Utah Opera in collaboration with the Utah Chapter of the Alzheimers Association has dubbed May 2013 as Making Sense of Alzheimer’s Month. This collaboration started four years ago with the goal of increasing concern and awareness regarding Alzhiemer’s and related dementia in Utah.

Throughout this month, Utah Symphony and Utah Opera musicians are volunteering their time to perform at local assisted living communities.

Complimentary tickets for Utah Symphony Utah Opera events on May 13, 24 and 25 are available to care recipients with Alzheimer’s disease and other related dementia. Family members and caregivers can attend for 20 percent off standard prices.

You can find more information at UtahSymphony.org.

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Tourism makes up a significant portion of Utah’s economy, creating jobs and tax revenues. As one of Utah’s largest industries, tourism generates $6.9 billion in traveler spending every year and $890 million in state and local taxes.

Next week, St. George will host the 10th Annual Utah Tourism Conference at the Dixie Convention Center from May 14th to May 16th. The conference is co-sponsored by the Utah Office of Tourism and the Utah Tourism Industry Coalition.

Vicki Varela, managing director of the Utah Office of Tourism, Film, and Global Branding, says it’s important for industry partners to gather once a year to brainstorm, share successes and collaborate to make sure tourists experience the very best of Utah Life Elevated.

President of the coalition Marian DeLay says this conference is an excellent opportunity for businesses around the state to learn about what is new in the industry, what is working well for others, and how the efforts of all the state’s businesses collectively make the industry stronger and more cohesive.

Visit UtahTourism.org to register for the Annual Utah Tourism Conference.

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Goldman Sachs recently announced the launch of their new partnership between its 10,000 Small Business program and The Huffington Post. The partnership features a new section of the website called “What is Working: Small Businesses.”

Over the next few months Goldman Sachs and The Huffington Post will be partnering to curate and create content highlighting the power and impact of small businesses on economic growth, and positive models for change in the space.

This will be a helpful resource for the small business community, as each month will feature a different theme, from finance to leadership to marketing and more. It will also provide opportunities for entrepreneurs to contribute their voices as well.

Through Goldman Sachs’ 10,000 Small Businesses program, $500 million will be invested into the growth of 10,000 small businesses all across the country to help increase job creation and economic growth. Visit slchamber.com for more information.

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For the full reports from this week and weeks past, visit KSL Radio online. Remember to tune in between 12:30 and 1 p.m. to KSL NewsRadio every week day on 102.7 FM or 1160 AM. If your business is doing something great, let us know and we may just feature it on the Utah Business Report. 

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Focusing on Small Businesses

Tuesday, April 30th, 2013

As Utah’s Business Leader, the Salt Lake Chamber represents more than 7,700 businesses. Of those, approximately 80 percent are small businesses.

Over the last few years we have significantly increased the services the Chamber has to offer small businesses throughout Utah. We have always had many small business programs and benefits associated with membership, but recently we’ve been taking a much broader view and working on small business issues beyond just membership benefits. To name a few, we have:

· Featured small business in our public policy guide for three years now to highlight priorities that are specific to small businesses versus what is important to all businesses.
· Convened and managed the Utah Small Business Coalition, a monthly meeting of 25 small business resource providers that work to serve small business more efficiently and collectively produce more resources for them.
· Held the 1st Annual Utah Small Business Summit, attracting 350 small businesses, to provide beneficial business information and promote available resources.
· Held the 10th Annual (but our first) Rural Business Conference in Richfield, UT. This event attracted 200 small businesses from rural communities and helped the Chamber affirm our statewide reach.
· Added a comprehensive set of business development tools for small business to our collaborative small business website, UtahSmallBiz.com. These include finance resources, international trade information, legal tools, tax incentive programs, lists of helpful small business resource providers and more.

The Chamber wants to continue to provide enhanced support and resources for small businesses. To help streamline our processes and to improve services to small business, the Chamber recently created a small business department involving several of our staff  that work on different aspects of small business (including the proponents of the Women’s Business Center and Downtown Alliance). Now all of their efforts will be coordinated through one person.

We have asked Ryan Evans, vice president of business and community relations to lead this team. Ryan has been our staff lead on small business issues for several years. He has worked hard to increase the attention we give small business and to improve our image with small businesses. We also see this as an issue that goes well beyond membership so having this fall under our community development efforts is appropriate and ultimately, Ryan was the driving force behind most of our significant small business development initiatives. He is also a former small business owner himself and understands many of the challenges first hand.

“Because we have so many small businesses in Utah, we have a real opportunity to give them all of the resources they need to be successful,” said Lori Chillingworth, Executive Director of Small Business Banking at Zions Bank. “By combining the resources within the chamber and other organizations, it’s really going to be beneficial for everyone.”

Click here to see the rest of our our interview with Chillingworth.

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What small businesses want…

Monday, April 29th, 2013

America’s 27 million small businesses represent 99 percent of U.S. employers and account for three-quarters of all new jobs created. The smallest of businesses stand to make the biggest impact on economic growth and job creation.

In order to remain a powerful collective engine for growth, small businesses need a little help from Washington. A recent U.S. Chamber of Commerce survey of small business owners found that a whopping 87 percent are looking for more certainty from government. Our leaders can help by putting an end to the uncertainty that hamstrings hiring, stifles growth, and halts investment.

Small business owners and entrepreneurs want confidence that their taxes won’t be hiked and that compliance will be simple and predictable. They want to know what the health care law will cost and require of their businesses so that they can plan accordingly. They want to know what regulations they’ll face and have confidence that those rules are based on sound science and good data and will provide more benefit than cost.

They want to see lawmakers move forward with an ambitious trade agenda that will open up new opportunities for exports and expansion. They want to know that Washington will smartly leverage domestic energy resources to help keep costs low and supplies stable in the United States.

Above all, they want to know that our leaders can work together to solve the significant fiscal and budget challenges facing our nation. Small businesses must make tough decisions every day—they expect no less from their lawmakers.

With some certainty on these issues, small businesses will be able to hire, invest, innovate, and expand with greater confidence. This, in turn, will drive stronger growth across the economy.

What employers don’t want is government exerting too much power or control over their businesses. Only 5 percent of the small business owners surveyed were interested in “government assistance.” The government’s legitimate role in business is to set the rules of the road; ensure health, safety, and lawful behavior; and foster a policy environment that allows our free market economy to thrive. Beyond that, government can help most by staying out of the way.

Small businesses know what they want—and many of them are not afraid to ask for it. Next week, the U.S. Chamber will welcome hundreds of owners and entrepreneurs to America’s Small Business Summit in Washington. Together, we will send our leaders and lawmakers a clear message: When small businesses succeed, America succeeds! So let’s give them what they want—and need—to do it.

 

This article was written by Thomas J. Donohue, President and CEO of the U.S. Chamber of Commerce, for Free Enterprise. 

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Utah ranked best for small business friendliness

Friday, April 12th, 2013

Utah trumps all other states when it comes to small business friendliness, according to the Thumbtack.com Small Business Friendliness Survey. The newest results were released recently and Utah jumped from the fourth spot in 2012 to number one.

Utah got an A+ in overall friendliness and ease of starting a business. Our state garnered high scores with its lowest grade in ease of hiring (B). The Beehive State also received “high marks for the training and networking programs available to small businesses.”

Salt Lake City, in particular, earned an A grade for its overall small business friendliness and is ranked as the seventh easiest city to start a business in. Austin, Tex., was the top rated city.

There were a few key findings that Thumbtack took from the survey. Two of the most important factors for small businesses were the professional licensing requirements and the ease of obtaining health insurance. Only six percent of the owners surveyed said it was “Very Easy” to get and retain health insurance, whereas one-third of small business owners cited that it was “Very Difficult.”

The survey also indicates small businesses are “relatively unconcerned with tax rates,” with more than half feeling “they pay about the right share of taxes.”

“Small businesses are top-of-mind for lawmakers nationwide, but too often their needs are more a matter of conjecture rather than actual evidence,” says Sander Daniels, co-founder of Thumbtack.com. “Some 7,000 businesses owners across the country have told us that they care about a lot more than just taxes – for most businesses, simple licensing regulations and helpful training programs are even more important to their success.”

Other states in the top five from this survey include Alabama, New Hampshire, Idaho and Texas.

You can find the complete results here with a neat interactive score card.

The Thumbtack.com Small Business Friendliness Survey, in partnership with the Kauffman Foundation, is a survey of small businesses nationwide, drawing data from more than 7,000 small business owners. The study aims to learn what small businesses believe constitutes a healthy political and regulatory climate by having them rate how it is to do business in their specific location along various metrics.

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10K Small Businesses accepting applications for second training

Thursday, March 14th, 2013

Utah’s small businesses have another opportunity to take advantage of the Goldman Sachs 10,000 Small Businesses program at Salt Lake Community College. This initiative, part of a partnership with the Salt Lake Chamber, helps create jobs and economic opportunity in Utah.

Salt Lake Community College is currently seeking small business owners to participate in the second training cohort, which will begin on August 16.  Applications are being accepted now through June 3.

Goldman Sachs 10,000 Small Businesses is an education program for business owners who have survived the start-up phase and are poised for growth. Accepted participants will receive a full scholarship to the program, which includes comprehensive business management education curriculum, a suite of business support services such as one-on-one business advising and networking clinics, and opportunities to access capital.

Interested business owners are invited to attend an information session to learn more about the program and the application process.

The following information sessions will be held at:

Salt Lake Community College at the Miller Campus, 9750 South 300 West, in Sandy.

- March 14, 6:00 p.m. – 8:00 p.m., Miller Free Enterprise Center, Room 203
- April 12, 8:30 a.m. – 10:00 a.m., Miller Professional Development Center 220
- May 23, 8:30 a.m. – 10:00 a.m., Miller Professional Development Center 220

To register for an information session, learn more about Goldman Sachs 10,000 Small Businesses, or to start an application visit www.slcc.edu/10ksb

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5 questions businesses owners should ask a lawyer but rarely do, Pt. II

Wednesday, December 5th, 2012

Editor’s Note: This guest blog was written by Douglas J. Shumway, Esq., of Shumway Van & Hansen, as part of the Chamber’s “From Our Board” guest blog series. It is part two of a five-part series from Shumway. To see part one of this series, click here. 

As a business owner first and foremost, I got my law degree to better understand and to participate in the legal system that played such a big role in my various businesses. Let me share with you some of the things I have found to be most helpful when dealing with legal issues for businesses.

Question 2: If I had a problem but don’t hear anything, does that mean it has gone away? Could a settlement help avoid costs or bad publicity? When does the statute of limitations kick in?

Answer 2: I am not sure if any problem goes away simply because it is ignored. But from a legal perspective many problems can sit out there for years and years and then rear their ugly heads just as a business begins to really flourish. This is because success means publicity, and publicity causes people to perceive wealth. Old problems often come back to haunt you as soon as people believe there are deep pockets willing to pay to make problems go away, whether there are deep pockets or not.

If you spend enough time with lawyers, then you will hear about protection offered by statutes of limitations, contracts, the truth, and the process of documenting everything that you do right and nothing that you do wrong. However, the truth of the matter is problems always remain problems until they have been addressed to the satisfaction of the other party. It doesn’t matter how right you are or how much you have done to protect yourself, because anyone can sue you for almost no reason whatsoever.

In many situations, the best option is to confront problems and try to settle them out of court to avoid costs and publicity. For example, rather than ignoring a vendor you will never use again that claims to be owed $1,500 for goods that were damaged beyond recognition with no fault on his part, consider coming up with settlement terms (i.e. $250). Have an attorney draft a settlement, waiver, and release agreement that ensures that if the vendor comes back for more, you will be able to defend yourself and recover your attorney’s fees.

Another example of using a settlement to your advantage is if a disgruntled employee is finally terminated. Do yourself a favor and have an attorney draw up a severance agreement that provides you with protection and gives the leaving employee something to think about before filing a lawsuit or reporting incorrect or misleading information with a regulatory agency.

You may think this sounds a lot like insurance, but the cost can be fairly nominal. In any case though, when people are disgruntled then a business is likely to see a lawsuit or a demand letter soon thereafter. If you have a settlement agreement in hand then your troubles might go away for the cost of the stamp to send a letter back with a copy of the agreement. However, if you do not have an agreement, then even the most silly and simple lawsuit could easily run you $5,000 to deal with.

However, an agreement will not always protect you from a lawsuit. And even if your attorney thinks you can win and collect attorney’s fees, it may not be advisable to forge ahead because the other side may be in the position to declare bankruptcy. You need to know your opponent and his attorney well, so if you get stuck in a lawsuit you can get out for a fair price early on.

Notwithstanding the foregoing, after seven or so years in most places, many of the various statutes of limitations apply, and problems really can start to go away. You will still have the occasional lawsuit that defies all logic, but for the most part any competent attorney can make those go away for relatively cheap. Recently I had one of these pop up for a client and I was able to convince the other attorney to make the lawsuit disappear, which he did at no charge to my client.

Legally, it is usually better to confront problems at the start. A competent attorney can help you determine if a settlement could make the problem go away or if the statute of limitations has already passed and you no longer need to worry about the problem.

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“Can’t” is the primary cause of procrastination

Thursday, October 25th, 2012

Sometimes, when you’re attempting something new in your professional life, it might seem that you’re starting below everyone else. When you look around at other people climbing the mountain, it might look like they were born halfway up or at least starting at ground level. But if you feel like you’re starting underground because you can’t even dig yourself out of the hole you’re in, take heart.

There can be plenty of reasons why you’re at a disadvantage. But whatever the reason is, feeling like change is impossible might lead you to believe that you’re not as good as everyone else, and this fear creates more of a problem than the original obstacle that stands between you and success. Pretty soon you’re convinced that you can’t do anything.

Here are some things that might stand in your way:

   - A previous failure (or a few of them): If you’ve ever believed in a dream, gotten really excited about it, and then watched it bomb, you might think you are doomed to failure. This is especially true if you’ve failed multiple times. You’re scared to invest time, money and emotional energy into something that you worry won’t work.

   - A lack of experience: It’s the classic Catch-22. You can’t get a job without experience, and you can’t get experience without a job. Every job that catches your eye seems perfect, until you realize they require about 10 years more experience than you have.

   - A lack of knowledge: Maybe you didn’t get your degree. Or maybe you just don’t know much about the field you want to pursue. You didn’t learn the skills in the real world, or the ones you have are rusty. Doing what you want might mean doing things you’ve never done before.

   - No connections or network or references: When you’ve been away from the working world for a while or tucked away in a cubicle with little chance for interaction, you might feel isolated. You’re not sure if anyone can help you, and if you spend your days talking to little people, you might even wonder if you have any social skills left.

   - A lack of money: If you’re considering starting a business , taking a pay cut, or going back to school, you might not have any idea how to finance your dream. When you have a family to support, the idea of taking a risk might be even scarier since people are depending on you for food, shelter, and other necessities.

   - A lack of support: It’s hard to make changes in your life when it seems like no one’s in your corner. When the people who love you doubt your abilities or don’t want to deal with upheaval in their lives (after all, who’s going to make their after-school snacks?), it’s so much easier to stay stuck in your status quo.

Any one of these problems can leave you feeling like success is impossible.

For me, the biggest obstacle was never the problem itself but the fear it created. I worried that things would stay the same despite my efforts. It wasn’t that I was afraid of failure—it was that I thought previous failures meant that I would never succeed. It wasn’t just a lack of experience or knowledge holding me back—it was a fear that I could never learn the things I needed to know, at least not well enough that someone would pay me for my skills.

These fears seem ridiculous even to me. But that’s why the word can’t is so insidious. It’s easy to be discouraged when so many things stand in your way, and it distorts your perception of reality.

But the good news is that if you’re feeling this way, lots of other people have felt the same. And they succeeded anyway. Every one of these obstacles can be overcome.

Even if you decide that you need to wait before you can make your dreams come true, you can start preparing now. Maybe you’ve decided to wait to go back to work full-time until your kids are all in school, for example. You’ll be better off in the future if you start networking now. It will take you a couple of years to raise funds for your business? Talk to other successful people in your industry to find out their business strategies.

While it might be true that some dreams have to be shelved temporarily, you won’t do yourself any favors by telling yourself that they’re impossible. All that will do is stop you from moving forward–the word can’t is the primary cause of procrastination.

The only way to find out if an obstacle is impenetrable is to move toward it–and then try to get through it. It might stop you in your tracks, but on the other hand, it just might fall at your feet.

 

 

This guest blog has been provided by Kaylie Astin, founder of Family Friendly Work, for the Women’s Business Center. 

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The First Annual Small Business Summit

Wednesday, October 17th, 2012

A lively group of 350 small business owners and managers settled into the Radisson Hotel Downtown Salt Lake City on Wednesday for a day of informative keynotes and breakout sessions planned specifically to help their bottom lines.

The Utah Small Business Summit, hosted by the Utah Small Business Coalition, is in its first year, and already hundreds of people were able to come and learn ways to improve their businesses. This was also a great opportunity for small businesses to grow their network as well.

Larry Chatterton kicked off the summit with an engaging keynote on building relationships for successful business. One of the keys to building those relationships–remembering names.

“One of the strongest non-biological cravings we have as human beings is to feel important,” said Chatterton. “One way we make others feel important is by remembering their name. “

Chatterton then got the crowd chuckling and interacting while trying to learn each other’s names using what he calls the Name Memory Dance.

Trust – Trust yourself to remember
Forget – Forget yourself. Don’t clutter your brain with other things during an introduction. Focus on the other person.
Visualize – Take what someone looks like into consideration. Perhaps they have a distinguished trait that makes them unique to help you remember them.
Listen – Don’t just hear someone say their name, but listen and understand them. Make sure you hear them correctly.
Repeat – Repeat the name back to them. “Nice to meet you, John Doe.”
Associate – Put action in your mind that somehow ties to this name you’ve just learned. Get a feel for it.

And here’s a tip for you so someone can better understand and learn your name easier: when introducing yourself, pause before and after your first and last name. Enunciate and give your last name a little more punch.

For the lunch keynote, Mike Brian from Penna Powers Brian Haynes rocked the group with a presentation on branding businesses. Perhaps these definitions of branding Brian shared may make you stop and think about what your brand is doing:

Branding:
- To burn a unique mark using a hot metal iron image to indicate ownership
- To cultivate an emotional relationship with an existing or potential audience

Brian then outlined a Branding Process much like the “Circle of Life”:
- Where are we and why are we there?
- Where do we want to be?
- How do we get there?
- Are we getting there?
- Should we change direction?

“The more you know, the less you guess, and guessing is expensive!” was Brian’s motto. And what you have to know is your target audience–what do they want and what does that market need. You also have to be aware of the alignment between the company and employees as well as the company and customers. A communication strategy is needed to bridge those gaps.

The First Annual Small Business Summit also offered a variety of informative breakout sessions for participants to choose from, including how to incorporate branding, social media and networking into your business plan, how to drive sales, international trade and exports, and customer service. Attendants found the different breakout offerings highly useful, and a few even admitted to taking a lot of notes.

A big thank you goes to the generous event sponsors for making this event possible, and also to everyone that attended who helped make the first Utah Small Business Summit a success.

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5 questions businesses owners should ask a lawyer but rarely do, Pt. I

Tuesday, October 2nd, 2012

Editor’s Note: This guest blog was written by Douglas J. Shumway, Esq., of Shumway Van & Hansen, as part of the Chamber’s “From Our Board” guest blog series. It is part one of a five-part series from Shumway.

As a business owner first and foremost, I got my law degree to better understand and to participate in the legal system that played such a big role in my various businesses. Let me share with you some of the things I have found to be most helpful when dealing with legal issues for businesses.

Question #1: Why should I invest in legal services when starting a business? And why not use basic Internet forms?

Answer: Throughout my life I have learned that things often do not go exactly as planned. As an attorney, I have learned that proper planning from the outset can help improve the situation when the unexpected can and will happen.

If you want to save thousands, if not millions, of dollars for your business, start with quality legal advice and document preparation. Whether a business goes really well or really poorly, having it properly structured (and that structure being carefully and cautiously negotiated in the beginning) allows its owners to rest at ease knowing that win or lose, at least they know what they are getting.

In most business formation situations, whether the owners are sophisticated or not, I have found many concerns that the parties had not thought of or assumed could be dealt with later. In my experience, leaving concerns unresolved or unrecognized is only good for the lawyers.

Usually it is not until they are stuck in court that business owners think the small initial fees for competent legal advice on the front-end would have been superior to the legal battle they are now dealing with. Legal battles involve depositions, discovery, threats, delays and the obligation to pay a lot of money monthly over the next several years. These are simply not ideal. Additionally, legal battles tend to break up friendships and kill business interests that were once very viable.

Even though I would always recommend hiring competent legal counsel when organizing a business, I understand that attorneys aren’t cheap. Oftentimes incurring such an expense is simply impossible at that time. In these situations, even though Internet forms or “corporate services” from volume or discount service providers may be the only viable option to get the ball rolling, they will likely cause more problems than they solve. Phrases that seem commonplace to you may raise red flags for attorneys, and you do not want to bind your business to those terms without knowing the potential consequences.

It is worth budgeting an amount of money to meet with an attorney to discuss your business and what “ownership” or “management” means to all of the owners. Almost all attorneys will agree to a flat fee to meet with you and anyone that you want to bring to the meeting. As long as you are well prepared for the meeting you should walk away feeling more confident about the internal aspects of your business’ future.

Overall, planning ahead now may save you lots of money, frustration, friendships and possibly your entire business. An attorney can help you structure the best situation for your business and can take your budgeting concerns into consideration.

 

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