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Many small business owners start with a sole proprietorship evade the costs of forming a corporation or LLC. This is usually a wise decision as statistics show that a majority of small businesses generate losses for the first several years. In the event you have real wealth, though not enough to need to spend $50,000…

As the market began to slide three years ago, my wife we began to sense that we were losing our other options. As people lose the value they always believed they been in their homes, their options in their ability to qualify for loans begin to freeze up insanely. The worst part for us was,…