Category Archives for "Home Based Business"

Suffering from Pandemic Induced Burnout?

By Randall Orser | Business , Employees , Home Based Business , Small Business

Covid-19 related stress and the blurring of your work life as a result of working from home may have you feeling out of balance. This is the same for the millions of Canadians who have transitioned to working remotely. While most enjoy not having to make the commute to the office many fill the saved time with more work which along with household chores, caregiving and navigating this covid-19 world can easily lead to burnout.  If this is you, here are some strategies that you might like to consider to help you gain greater ease in your life.

1. Work Smarter - it is important to have a schedule and stick to it.  Start work at a set time, check in regularly with work colleagues and team members and have a firm end of work day time.

2. Develop a Resting Strategy - make sure you plan to take quality rest time, whether it is daily, weekly or longer-term this will help you to retain the energy to have a successful work day.

3. Use the Pomodoro Technique - this involves breaking work down into intervals separated by short breaks, traditionally intervals are 25 minutes but they can be adjusted as necessary.  Do some work then take a break, go for a walk or do some other activity to allow your brain to rest then restart.

4. Watch what you eat and make sure to stay active - eating a balanced diet is important to stay healthy and prevent burn out, the better the fuel that you give your body the better you will feel and exercising is a must.  Think about taking an early morning walk before starting work it will set you up for the day.

5. Practice Mindfulness - Use small activities such as brushing your teeth or washing your hands to focus on your breathing and centring your body and self connecting. Be aware of how you are feeling, are you hungry or thirsty?

6. Name it to Tame it -  If you become upset or anxious about something ask yourself whether your feelings are anger, concern or exhaustion.  Naming aids help you to be self aware and manage your feelings.

7. Be Grateful - Take the time a few times a week to write down three things that you are grateful for, this will have a positive effect on your happiness and help with burnout, work-life balance and depression.

8. Practice Diaphragmatic Breathing - This involves inhaling deeply by expanding the lungs downward rather than inhaling using the abdomen or rib cage alone.  This technique has been shown to reduce stress and anxiety.

9. Release the Pressure - The pandemic has added more pressure and demands to our lives from personal and work responsibilities. Instead of adding more pressure by thinking that you should be doing things "better" or "faster" be kinder to yourself by recognizing when you are doing your best. 

10. Trust your Inner Resilience - Most of us want certainty in life so the uncertainty associated with Covid-19 is difficult to deal with.  It is important to realize that you are more adaptable than you think and what we are going through will not last forever.

11. Focus on the Here and Now - Instead of thinking that you cannot deal with the pandemic for another year focus on today and what you can do to make your life better.  We have to be positive that our businesses will come out of the pandemic stronger.

12. Make the Most out of Working Remotely - Make a new work schedule that allows you time for more rest and relaxation.  Learn how to keep your boundaries with others.  Learn new skills such as remote tools like Zoom.  Learn how to work effectively with your team while you are all apart.

From an article by Margaret Craig-Bourdin

Four Things Not to Do While Working at Home During the Pandemic

By Randall Orser | Business , Cloud-computing , Employees , Freelancing

Many people and businesses were already considering working from home prior to the pandemic, but once social distancing became a reality it accelerated the movement from office to home working.  This has been a massive and sudden transition for everyone involved and it has brought about a new way of working for many of us.

While many thought that they would easily embrace working from home, many also found that it has a set of challenges to overcome.  So whether you are enjoying this new way of working or you are struggling here are a few things that you could do to make your working at home experience more positive and productive.

  1. Don't be Overwhelmed by Small Details  -  Don't be stressed by the sounds around you such as traffic, children and pets which can make your working conditions less than ideal. Other people are also dealing with these distractions, so when you make video or phone calls make light of your less than ideal working conditions to relieve your own anxiety.
  2.  Don't wear pyjamas all day and don't take video or phone calls while still in bed or in the washroom. As much as possible remain professional in your interactions with clients and peers. Get into the work mindset, dress appropriately and allow yourself the usual breaks that you would take if you were in the office.  Try and keep your work routine as normal as possible.
  3. Don't go silent, make sure you keep lines of communication open with other work colleagues and team members.  Set up regular check in times and video meetings this will provide you with regular updates and keep you feeling like you are still an important part of the team.
  4. Don't work in uncomfortable conditions.  It is easy to set yourself up with your laptop in bed or on uncomfortable chairs at the dining table but this will result in aches and pains which will distract you from the tasks that you are trying to complete.  Even if it is only a desk and chair in the corner of your bedroom, set yourself up with a comfortable and ergonomic workspace.

From Dr Laura Hambly on Global News

How to Minimize Taxes on Your Small Business

By Randall Orser | Freelancing , Home Based Business , Personal Income Tax , Small Business

If you own an unincorporated small business then the you must prepare an income statement each year showing all the income and expenses of the business and the resulting net profit or loss is then transferred to your tax return and taxed along with your income from all other sources.  

As a small business owner,  you are entitled to deduct the ongoing costs of doing business, as long as the expenses are reasonable and your motive for being in business is to make a profit.  You must have a good record keeping system such as Quickbooks Essentials  otherwise there is a good chance that you will forget about expenses that you have incurred and lose some receipts for expenses that you could claim.   Some of the most common deductible expenses include advertising, promotions, rent, salaries, legal and accounting fees and auto expenses.

Deductions Available to your Small Business

  • Advertising including flyers, brochures and other promotional activities.  You can deduct 50% of the cost of entertainment and business lunches as long as they are used to promote your business to current or prospective clients.
  • Office Rent is deductible, however if you own your business premises or work out of your home you cannot deduct the rental value of these premises.  However you can deduct any related expenses such as mortgage interest, property taxes and insurance.  If part of the premises is used for personal purposes then these expenses must be pro-rated.
  • Salaries and Wages are deductible in full as are the employer paid premiums for the Canada Pension Plan, Employment Insurance, Worker's Compensation as well as sickness, accident, disability or income insurance plans. If your spouse or child works for you their wages are also fully deductible as long as the payments are reasonable and the same as you would pay someone else to do the same work.  As the owner,  your wages are not deductible and should not be included on your income statement.
  • Fees for Outside Professional Services such as bookkeeping, accounting, consulting and tax preparation are deductible.  Legal fees are also deductible as long as they are not incurred to buy capital property, instead they have to be added to the capital cost of the property.
  • Business Taxes annual business licenses are deductible.  Fines and penalties for infractions of public laws are generally not deductible.
  • Automobile Expenses related to earning business income are tax deductible.  If you use your vehicle only partly for business then the expenses must be pro-rated between business and personal use based on the amount of kilometres driven for each.  Expenses include gas, oil, repairs, insurance and maintenance.  For more information log into the CRA website.
  • Capital Expenditures which are expenses relating to the acquisition or improvement of a property used by the business may not be deducted in the year acquired.  Tax law requires that their entire costs be claimed slowly over a period of years through a mechanism called capital cost allowances which allows a certain percentage of the costs to be claimed each year.   The rules of capital cost allowances are quite complicated so it is a good idea to hire a professional accountant or bookkeeper to make sure that you are claiming correctly.  For more information see the CRA website Capital Cost Allowances.  

When your business enjoys a profit you must share part of that with the CRA in the form of income tax.  However when your business shows a loss then the CRA shares in that loss as you are usually allowed to deduct the loss against other income thereby lowering the taxes you would normally pay.  However, you must meet the CRA "reasonable expectation of profit test" as the CRA will only share your loss if there is a reasonable expectation of profit in future years, otherwise your losses will be disallowed as simple personal losses.   

How to Stay Motivated When Working from Home

By Randall Orser | Employees , Home Based Business , Small Business

Due to the coronavirus many more people are joining those already working from home.  It is quite a change from your normal routine of going into the office five days a week and working with others, so you need to make your new work environment as comfortable as possible for you to be productive.  When working for your company from home you should still to stick to your normal hours of work as much as possible and it is important to keep in touch with your colleagues by phone or video conferencing so that you do not feel isolated.  

For those who are their own boss and have been working from home for a while you don’t need to worry about being late for work, being written up, laid off or fired.  However, you are solely in charge, so it is up to you to face all the challenges involved in owning a business, most of all making money.  

If you are now finding yourself in one of these two situations how do you stay motivated while working from home?

1. Work-life vs Family Life

When working at home family can be your biggest distraction, particularly now as most of your family including kids may be at home.  It is vital to set up a separate room in your house to work where you can close the door if necessary.  You need to let the family know that when you are in that room you are working and unavailable except for an emergency.  Don’t forget that this separate workspace can allow for a tax deduction if you are self-employed.

2. Keeping your concentration when working from home

Difficulty concentrating one of the biggest problems reported by people who work from home.  You may have to deal with family noise, activities outside your window or even the view of your backyard especially if the sun is shining.  You may be disturbed by people who have a hard time accepting that you are working from home and think that you can run errands for them or that you have time to chat on the phone.  Some solutions to these problems might be to close the blinds, wear noise reducing headphones or ask the family not to do noisy activities while you are working.  You also need to make sure that friends and relatives know that you are not available between certain hours because you are

working.

3. Motivational Challenges

It is up to you to motivate and challenge yourself unless you are still employed by a company and working from home.  In that instance you still have to answer emails and phone calls from colleagues for information and updates.  This will help to keep your mind on the job.  If you own your own business, it can be way more difficult to keep motivated and let your attention slip to more appealing things.  You need to keep your end goal in mind which is to grow your business and make money


4. Dealing with the lack of Office Equipment

If you are working from home, either temporarily or permanently it is important for you to have the necessary equipment to do your job.  When you are working for an employer at home, they should provide the equipment that you need to do the job.  If own your own business, you should invest in the office equipment that you need.  These days computers, and multifunction printers and scanners are way less expensive than they used to be.  Look out for low interest and interest free deals offered by stores to help reduce the costs and you may be able to offset some of these expenses on your taxes.

5. Getting Access to Company Documents

If you are working from home for your employer, they need to set up a way for you to able to access company documents from home over the internet.  There are many programs and apps that will allow you to do that easily.

6. Egonomic Issues

It can be difficult to keep your concentration if you are not comfortable in your workspace.  Make sure you are equipped with a proper office desk and office chair to support your back, neck and shoulders. Take a few minutes break each hour or two and standup, walk about and stretch.  Be conscious of your posture while working as bad posture will result in pain and trips to the chiropractor or for physio.

As working from home is becoming more of the norm and may become even more so as companies realize that their employees working remotely can save them money, and workers find that working from home gives them a better work-life balance.

Women vs Men as Entrepreneurs – Some Statistics

By Randall Orser | Business Income Taxes , Freelancing , Home Based Business , Small Business

Small business statistics Canada showed that in 2018 there were 1,079,000 self-employed women in Canada, accounting for 37% of all self-employed people.  Almost 60% of those were in unincorporated businesses with no employees.  There were 1,781,600 self-employed men and a much smaller percentage of these (37%) were unincorporated and had no employees.

The number of Canadian women entrepreneurs keeps growing and an interesting collection of statistics shows some of the differences between men and women who run their own businesses.  

  1. On average women business owners are younger and have fewer years of management or ownership experience when compared with male business owners.
  2. Women mostly choose to start and run small business in the retail and service sectors and they are more likely to be solo entrepreneurs.
  3. Women do not make as much money as men entrepreneurs but the gap is closing, they generally make 58% less than men operating their own businesses.

From the 2016 Global Entrepreneurship Monitor (GEM) Canada Report on Women's Entrepreneurship:

  1. In Canada nearly 85% of women surveyed said they were interested in starting a business.  Most are highly educated with college diplomas or university degrees. 
  2. 13.3% of women were involved with newer businesses and 10% in established businesses (operating for more than 3.5 years).  For men the figures showed 20.3% and 7.1%.
  3. Canadian women rank 1st for involvement in newer businesses, ahead of the UK, USA and other innovation-based economies.  They were 6th for established businesses.
  4. 54% of new female businesses were in the services sector followed by business services at 28.2%.
  5. Female business owners are less likely to engage in overseas trade than male owners.  For businesses with 25% or more customers outside Canada 31.7% were run by women compared to 37% by men.
  6. For businesses engaged in innovation 35.9% were owned by women, 44% by men.
  7. The gap in expectations for job creation is now not as wide as it was in previous years and will be roughly the same for the next five years.  However the expectations for job growth is higher for male owned companies 35.6% compared to 21.4% for female owned companies.

Reasons why women start their own businesses: (Paul Lima Globeandmail.com)

  1. A flexible work schedule is a great motivator but more so for women, 63% compared to 51% for men.
  2. 36% of men who start businesses do so to get wealthy compared to only 23% of women.
  3. Entrepreneurs who are driven to start a business doing something that they love is 69% for women and 64% for men.
  4. Women are less likely than men to start a business because they want to be their own boss, and are more likely to employ a spouse or child in their business.
  5. An almost equal number of male and female entrepreneurs listed their three main challenges to starting a business as finding clients, keeping a steady workload and working long hours.

Five to Ten a Day for Better Health (of Your Business)

By Randall Orser | Home Based Business , Small Business

We have been inundated with advice to eat well for our health’s sake. But, what about five to ten tips to better health of our business? Shouldn’t that be as important to the business owner?  Five to ten tips to follow a day can reduce the risk of failure and ensure your business enjoys a long and healthy life!

Five Tips to Overall Health:

  1. Prioritize and get things done:  When prioritizing, keep customers forefront (and suppliers, inventory, and staff). Without customers, where would you be? Complete tasks. Follow through. Finish paperwork.
  2. Plan ahead (but be flexible) – Get Organized:  Keep your eye on the road ahead. Ensure that you (and your staff) focus on the business plan, the marketing plan, and your original vision. Ensure that marketing campaigns are done ahead of time (ideally, a year in advance). Budgets and buying plans should be completed six months ahead, as well as any open-to-buy for product for promotional sales. Staff schedules and training should be well organized in order to coincide with seasonal upswings.
  3. Customers and Customer Service – It’s always about the customers:  Every business owner should prioritize any task that involves customer satisfaction. If you tell a customer that the product will arrive by the end of the week, then ensure that your promise is kept. If you tell a customer that you will call them, then ensure that you do. Broken promises do not impress customers. Always under-promise and over-deliver!
  4. Nurture all relationships including staff and suppliers:  Reward your staff, motivate your staff and keep them in the loop. Join professional associations.   Expand your communication channels. Get into the habit of mailing thank you notes to customers, staff, suppliers and those who have benefited your business. Pick up the telephone and have a one on one conversation. Stay in touch.
  5. Core competencies – What do you do best?  To thrive in the marketplace, a business must excel in at least one of the following: product offering, customer service, promotional strategies (branding), price or location.  Reminders to not only keep doing what you do best, but initiatives to keep improving. Never lose sight of what distinguishes your business from the rest. Learn to identify your strengths and build on them.

Five More Tips to Overall Health:

  1. Look after the details – it’s always about the small details:  Is the exterior fresh and clean? Does a brightly painted door welcome your customers? Is there a bench, an attractive door wreath, or an eye-catching window display that attracts new customers? Do you have an area for weary customers? Does your children’s store have a toy area for children? Do you supply customers with coupons if you have inconvenienced them? Do you greet your customers by name? Do you capture their names on your mailing list?
  2. Look after the expenses – Pay your bills on time: Send out invoices and request payment in a timely fashion. Eliminate unnecessary perks; eliminate waste; eliminate frills that are not important to the customer. Look for less expensive ways to do everything. If not sure where to begin…call your accountant. Better yet, read your expense sheet and cut costs by ten percent. Pay your bills on time. If possible, pay within ten days and get a two percent reduction for early payment.
  3. Grow (innovate):  Successful entrepreneurs are never satisfied with the status quo. They understand that to increase their share in the marketplace the business must grow: better product; newer technology; more effective website; more informed and knowledgeable staff; timelier shipping: better distribution channels; and so on.
  4. Constantly change – re-invent yourself:  A healthy business realizes that change is a constant; change will keep customers coming back. Customers will return to see new product displays, new demonstrations, and new content. Customers will brand your business – as a leader. Keep your customers delighted, inspired and motivated.
  5. Old-fashioned principles are still true:  Keep your business honest, reliable and trustworthy. Stand behind your policies – with no exceptions. Advocate privacy and honesty on your website and in print. Ensure that all practices value those principles. When a business values old-fashioned principles, customers will learn to trust that business and sales will follow. (There are some values that never grow old.)

You will know that your business is strong and healthy when you have difficulty prioritizing the above tips. Is change more important than principles? Are relationships more important than the bottom line?   A business owner that puts the customer (and customer service) to the forefront understands that the suppliers, the product, the service and the staff make up the equation.

The most successful businesses thrive because their owners understand that all aspects of business must be healthy; one area cannot stagnate or be left unattended for the sake of another area. Because a successful business is a component of all best practices – each integrated to make the whole.

A healthy business will enjoy a long life…so integrate five to ten a day to increase your chances to survive. The life of your business might depend on it.

Meeting a New Client in your Home Business

Four Steps to Finding New Clients for your Home Business

By Randall Orser | Freelancing , Home Based Business , Small Business

Thinking about starting a home business?  Probably the hardest task for a new business is getting those first few clients or customers.  One of the problems is that most home business owners are not savvy in marketing and hate the idea of doing “sales calls,” therefore many struggle to get enough clients.  Generating business and clients takes a lot of time, but the process can be speeded up by learning how to prospect and guide customers towards a sale or becoming a regular client.  It is reality that many prospects do not say yes on first contact with you, so you need to develop a plan to stay in touch with them until they are ready to buy.  Here are four useful strategies to use:

1.  Make sure that you zero in on your target market:  Make sure that you identify who might want what you are offering and are able to pay for it, anyone else is a waste of your time and money.  It is not enough to send your message out into the world and hope that it will stick.  Defining your most likely client by a number of criteria applicable to your business, makes it easier to find them and to send messages to entice them to check out your product

2.  Build a potential customer and client list: Just as you need a guest list for a party, you need a client list in order to have a business.  

  • Start by making a list of personal contacts for quick and easy sales, then ask these people to recommend you to their friends and contacts. 
  • Call back to your existing customers for resales, it is easier to sell to an existing happy customer than to find new ones.
  • Offer referral incentives to current customers
  • Search out potential customers on the internet and use social media such as Linked in. Participate in Trade Shows or Craft Fairs, these events are good for networking with other businesses that might fit your market.  You can also generate new customers by exhibiting your work.  Even if you don’t make a sale you will probably be able to build your contact list.
  • Join your local Chamber of Commerce and network with other businesses in your area.  Join groups involving your target market and attend workshops that might help you to build your business.
  • Purchase a lead list, however this can be expensive and usually achieves low results, but if you are in a bind this is an option.  If you do a Google search for mailing lists, you will find lots of companies to reach out to.

3.  Make personal contact with your prospective client:

  • Cold calling scares most people but it the best way to contact clients to ask them what they need and tell them what you can do for them.  Prepare yourself by writing an easy flowing conversational script to introduce your product or reason for calling.  Remember telling is not selling so don’t do all the talking. Ask questions and present the benefits of your product so that the focus of the call is on the customer.   End your call with a call to action, such as asking them to commit to a trial period, or get an email or physical address so that you can send them more information.  If they say they are not interested ask if they know anyone who might be and get a referral.
  • Email: while not as effective as a direct conversation it is less scary and a good way to introduce yourself.  Do not send just a “buy” email, instead offer something of value.  Give an explanation of who you are and provide a coupon or other incentive.  Make sure that you include an unsubscribe option in accordance with anti-spam laws.
  • In-person: Make an appointment to meet a prospect on your list or walk into their business.  You can often meet prospects while you are out and about in places such as grocery stores or coffee shops.  You should always tailor your presentation to how you can meet their needs and have sales material on hand such as brochures or samples.  End your meeting with a call to action or promise to follow-up.
  • Traditional Mail:  Similar to email snail mail is not the most effective way to get sales but it is a great way to increase awareness of your business.  Create a postcard, brochure or letter and send it yourself or hire a fulfillment house to do it for you if you have a large volume.   Don’t forget that a personally placed stamp makes the item look less like junk mail.

4.  Follow-up then follow-up again:  When you meet with prospective customers, you will probably hear NO a lot. Sometimes it is a firm no, but it could be a no, for now.  80% of sales are not made on the first contact or the second or even the third contact, it may take more that to make the sale.  It is important to set up a non-annoying system of follow-up, such as an email list or an agreement to call back in a period of time. 

You must keep track of all your communications and there are many free CRM databases available on line that you can use.  Create calendar reminders to follow-up on your phone.  It is important to build a relationship with your prospective clients which will hopefully lead to a sale.  

From an article by Mindy Lilyquist

Things you Should Know about Starting a Business in Canada

By Randall Orser | Home Based Business , Marketing , Small Business

Even though there are rules and regulations that would-be business owners need to follow in Canada, it was still ranked as the third best place in the world to start a business in 2016. In 2019 according to the World Bank’s Doing Business it only took one procedure and an average of five days to register a firm.  However, the ease of doing business ranks at 22 in a range of 1–190. 

If you are considering starting a business in Canada, here are some things you should know:

  1. You need to be a Canadian citizen or landed immigrant to start a business in Canada.  You cannot do it on a student or visitor visa or while on a work permit.  You may be able to form a partnership with other Canadians, but it does not mean that you can reside in Canada, you would need to become an immigrant.
  2. Not all businesses need to be registered.  If you start a sole proprietorship and use only your legal name as the name of your business, then you do not need to register your business with your province.  In Newfoundland and Labrador no sole proprietorships or partnerships need to register their business names.  You do however need to check if your municipality requires you to register your business.
  3. Registering your business name does not protect it from use by others.  Different forms of business ownership offer more business name protection, but none provide full protection.
  4. The Canadian system of Incorporation is very different from that in the US.  Canada has no limited liability corporations (LLCs) other than those of professionals such as doctors, lawyers and accountants.  There are also no S corporation structures in Canada.  Incorporation can be established on a federal or provincial level.  To protect yourself from liability incorporation is always the best form of ownership to consider.

Financing:  Most business start-ups are financed by their owners using their own money.  Most Canadian small business start with less than $5000 according to an Intuit Canada study of entrepreneurship.  There are few grants for Canadian start-ups and those available are usually specific to particular industries, locations such as Northern Ontario and groups of people such as aboriginals.   

Business Loans:  The long-time option for financing both start-ups and established businesses is the Canada Small Business Loans Financing Program.   However there are also other options such government sponsored and non-profit agencies that provide loans as well as private loan sources.

Small Business Taxes:  Business owners can get back the amount of GST that they pay on goods and services consumed during the course of doing business.  Small businesses do not have to register to charge and remit GST if they qualify as a Small Supplier making less than $30,000 per year.  Even if you make less than $30,000 per year you may want to register your business because otherwise you will not be able to claim back any GST you have paid out on business purchases through Input Tax Credits. 

Income Tax Deductions:  Deductions such as Investment Tax Credits are open to sole proprietors and partnerships.  In addition, home based business owners can claim The Business-Use-Of-Home-Deduction and legitimate business expenses and write these off against their business income.  

From an article by Susan Ward

Four Questions to Ask Yourself Before Starting a New Business

By Randall Orser | Home Based Business , Small Business

As companies all over the country are downsizing and jobs are lost or because workers are retiring but need more income, millions of people have taken to starting their own businesses and are hoping to earn a considerable income through their own efforts. While many individuals have succeeded as small business owners, some were met with failure simply because of inadequate planning. The truth is that starting a new business takes a lot of time and effort; you need to consider certain factors before launching a business. If you’re toying with a business idea you think is going to be a hit, ask yourself a few questions before you take the plunge into the business world.

  1. Do you have time to run your business? So many people mistakenly assume that just because they will be running their business from home, it means they will have a lot of free time on their hands. On the contrary, quite the opposite is true. Most home-based business owners need to work a lot more and a lot harder to match the income they used to make when they were working in a traditional office. This is particularly true during the first few months of running the business. Once your business has taken off, however, you may be able to relax a bit and work less hours. Before this happens, you will probably have to work extra long hours, so that’s an important factor you have to consider.
  2. Are you qualified? Quite often, people think they have a brilliant business idea and find out too late they aren’t qualified to offer that particular service. Let’s assume you’re a mom of four and you’ve just started a business that involves child care. Being a mother of four, you’re quite confident in your capabilities in this field. Your potential clients, however, are likely going to look for an individual who is not only experienced but certified in child care as well. In this case, you will have to get the certification or come up with another business idea where your skills will be put to better use.
  3. Do you have room for your business? Many home businesses start out small. Once your business takes off, however, you may find yourself in need of bigger space for your supplies or your products. Unless you have extra space in your home (e.g., a spare room or garage), you may soon have to expand outside by renting storage space, which is obviously an additional expense. If you don’t want to deal with such problems, think ahead when you are still in the business planning stage.
  4. Are you financially capable of running the business? Money is one of the most significant factors you have to consider before starting a business. Many people underestimate the costs required to set up a business. Even if they take out a loan, sometimes it isn’t enough to cover all the initial expenses. To avoid these hassles and to increase your chances of business success, plan your finances thoroughly.
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