The General Business Thread

SionSion Moderator, Legion of Trill, AHH Content Producer, AHH EditorPosts: 40,994 Regulator
edited April 2016 in For The Grown & Sexy
Alright yall this is a spinoff from the Tax Implications thread that was started by @JonnyRoccIT‌ . I made this thread to help out anybody who has general questions about getting started or going forward, legal matters in business, financing/banks/credit, how to find information, building websites, structure, taxation, business plans/proposals, investing, motivation - anything that has to do with running a business please ask the question here and me or @pralims will answer you promptly.

Anything that has to do with even supplying apps or anything for that matter that can help someone, anybody, somewhere do something easier or better will be greatly appreciated.

To kick things off I have put the topics in spoilers to make the O/P organized and easier to browse for mobile users.


Business Entity/Legal Structures

Sole Proprietorship

The simplest structure is the sole proprietorship, which usually involves just one individual who owns and operates the enterprise. If you intend to work alone, this structure may be the way to go. The tax aspects of a sole proprietorship are appealing because the expenses and your income from the business are included on your personal income tax return, Form 1040. Your profits and losses are recorded on a form called Schedule C, which is filed with your 1040. The "bottom-line amount" from Schedule C is then transferred to your personal tax return. This is especially attractive because business losses you suffer may offset the income you have earned from your other sources.

As a sole proprietor, you must also file a Schedule SE with Form 1040. You use Schedule SE to calculate how much self-employment tax you owe. In addition to paying annual self-employment taxes, you must make estimated tax payments if you expect to owe at least $1,000 in federal taxes for the year after deducting your withholding and credits, and your withholding will be less than the smaller of:

1) 90 percent of the tax to be shown on your current year tax return or

2) 100 percent of your previous year's tax liability.

The federal government permits you to pay estimated taxes in four equal amounts throughout the year on the 15th of April, June, September and January. With a sole proprietorship, your business earnings are taxed only once, unlike other business structures. Another big plus is that you will have complete control over your business--you make all the decisions. There are a few disadvantages to consider, however. Selecting the sole proprietorship business structure means you are personally responsible for your company's liabilities. As a result, you are placing your assets at risk, and they could be seized to satisfy a business debt or a legal claim filed against you.Raising money for a sole proprietorship can also be difficult. Banks and other financing sources may be reluctant to make business loans to sole proprietorships. In most cases, you will have to depend on your financing sources, such as savings,
home equity or family loans.


Partnership

If your business will be owned and operated by several individuals, you'll want to take a look at structuring your business as a partnership. Partnerships come in two varieties: general partnerships and limited partnerships. In a general partnership, the partners manage the company and assume responsibility for the partnership's debts and other obligations. A limited partnership has both general and limited partners. The general partners own and operate the business and assume liability for the partnership, while the limited partners serve as investors only; they have no control over the company and are not subject to the same liabilities as the general partners.

Unless you expect to have many passive investors, limited partnerships are generally not the best choice for a new business because of all the required filings and administrative complexities. If you have two or more partners who want to be actively involved, a general partnership would be much easier to form.

One of the major advantages of a partnership is the tax treatment it enjoys. A partnership does not pay tax on its income but "passes through" any profits or losses to the individual partners. At tax time, the partnership must file a tax return (Form 1065) that reports its income and loss to the IRS. In addition, each partner reports his or her share of income and loss on Schedule K-1 of Form 1065.

Personal liability is a major concern if you use a general partnership to structure your business. Like sole proprietors, general partners are personally liable for the partnership's obligations and debts. Each general partner can act on behalf of the partnership, take out loans and make decisions that will affect and be binding on all the partners (if the partnership agreement permits). Keep in mind that partnerships are also more expensive to establish than sole proprietorships because they require more legal and accounting services.


The other portion is in the next post


As for what state is best to incorporate in, it really depends on what type of business you're trying to build. Please PM me and I may be able to assist you.




Motivation

For motivation give these books a read:



Rich Dad, Poor Dad by Robert Kiyosaki

51M2U9IfmTL.jpg



Think & Grow Rich by Napoleon Hill

Think-and-Grow-Rich.jpg




@pralims‌
@traestar‌
@black caesar
@MarcusGarvey‌
@kontakz‌
@BigBallsNoWorries‌
@YunnSanco‌
@KingSimba‌


Feel free to post if yall can contribute, anything is plenty.
Cocoa_ButterOff&OnJonnyRoccITtraestarThe IconoclastVIBEOsirus_JenkinskzzlMoneyLuverAlkinduz_Goldie_aka_OGMrCrookedLetterBangEm_Bart atribecalledgabiR.D.BigBallsNoWorriesLadyZeeBusta Carmichael topoftheworld_Menace_Dirty SanchezPapaDoc223genocidecutterPaprikaAPEX_PREDATOR
«13456733

Replies

  • SionSion Moderator, Legion of Trill, AHH Content Producer, AHH Editor Posts: 40,994 Regulator
    edited July 2014
    Business Legal Structures (Corporations, LLC, S Corporation) - What Type of Corporation Should You Choose ?


    Corporation

    The corporate structure is more complex and expensive than most other business structures. A corporation is an independent legal entity, separate from its owners, and as such, it requires complying with more regulations and tax requirements.The biggest benefit for a business owner who decides to incorporate is the liability protection he or she receives. A corporation's debt is not considered that of its owners, so if you organize your business as a corporation, you are not putting your personal assets at risk. A corporation also can retain some of its profits without the owner paying tax on them.

    Another plus is the ability of a corporation to raise money. A corporation can sell stock, either common or preferred, to raise funds. Corporations also continue indefinitely, even if one of the shareholders dies, sells the shares or becomes disabled. The corporate structure, however, comes with a number of downsides. A major one is higher costs. Corporations are formed under the laws of each state with its own set of regulations. You will probably need the assistance of an attorney to guide you. In addition, because a corporation must follow more complex rules and regulations than a partnership or sole proprietorship, it requires more accounting and tax preparation services.

    Another drawback to forming a corporation: Owners of the corporation pay a double tax on the business's earnings. Not only are corporations subject to corporate income tax at both the federal and state levels, but any earnings distributed to shareholders in the form of dividends are taxed at individual tax rates on their personal income tax returns.

    One strategy to help soften the blow of double taxation is to pay some money out as salary to you and any other corporate shareholders who work for the company. A corporation is not required to pay tax on earnings paid as reasonable compensation, and it can deduct the payments as a business expense. However, the IRS has limits on what it believes to be reasonable compensation.



    S Corporation

    The S corporation is more attractive to small-business owners than a regular (or C) corporation. That's because an S corporation has some appealing tax benefits and still provides business owners with the liability protection of a corporation. With an S corporation, income and losses are passed through to shareholders and included on their individual tax returns. As a result, there's just one level of federal tax to pay.

    In addition, owners of S corporations who don't have inventory can use the cash method of accounting, which is simpler than the accrual method. Under this method, income is taxable when received and expenses are deductible when paid. S corporations can also have up to 100 shareholders. This makes it possible to have more investors and thus attract more capital, tax experts maintain.

    S corporations do come with some downsides. For example, S corporations are subject to many of the same rules corporations must follow, and that means higher legal and tax service costs. They also must file articles of incorporation, hold directors and shareholders meetings, keep corporate minutes, and allow shareholders to vote on major corporate decisions. The legal and accounting costs of setting up an S corporation are also similar to those for a regular corporation.

    Another major difference between a regular corporation and an S corporation is that S corporations can only issue one class of stock. Experts say this can hamper the company's ability to raise capital.

    In addition, unlike in a regular corporation, S corporation stock can only be owned by individuals, estates and certain types of trusts. In 1998, tax-exempt organizations such as qualified pension plans were added to the list. This change provides S corporations with even greater access to capital because a number of pension plans are willing to invest in closely held small-business stock.



    Limited Liability Company

    Limited liability companies, often referred to as "Lacs," have been around since 1977, but their popularity among entrepreneurs is a relatively recent phenomenon. An LLC is a hybrid entity, bringing together some of the best features of partnerships and corporations.

    LLCs were created to provide business owners with the liability protection that corporations enjoy without the double taxation. Earnings and losses pass through to the owners and are included on their personal tax returns. Sound similar to an S corporation? It is, except that an LLC offers business owners even more attractions than an S corporation. For example, there is no limitation on the number of shareholders an LLC can have, unlike an S corporation, which has a limit of 100 shareholders. In addition, any member or owner of the LLC is allowed a full participatory role in the business's operation; in a limited partnership, on the other hand, partners are not permitted any say in the operation.

    To set up an LLC, you must file articles of organization with the secretary of state in the state where you intend to do business. Some states also require you to file an operating agreement, which is similar to a partnership agreement. Like partnerships, LLCs do not have perpetual life. Some state statutes stipulate that the company must dissolve after 30 years.

    Technically, the company dissolves when a member dies, quits or retires.If you plan to operate in several states, you must determine how a state will treat an LLC formed in another state. If you decide on an LLC structure, be sure to use the services of an experienced accountant who is familiar with the various rules and regulations of LLCs. Another recent development is the limited liability partnership (LLP). With an LLP, the general partners have limited liability. For example, the partners are liable for their own malpractice and not that of their partners. This legal form works well for those involved in a professional practice, such as physicians.

    Even after you settle on a business structure, remember that the circumstances that make one type of business organization favorable are always subject to changes in the laws. It makes sense to reassess your form of business from time to time to make sure you are using the one that provides the most benefits.
    topoftheworld
  • SionSion Moderator, Legion of Trill, AHH Content Producer, AHH Editor Posts: 40,994 Regulator
    Website Builders To Use/How To Build A Website


    Website Builders

    Some of yall have sent me your websites and they still look like they were made in the 90s. While that's ok, if you're trying to sell goods or attract people to your website, it's not going to be able to compete. Something to keep in mind, if you're trying to sell goods and services, people unconsciously will make the comparison between quality and service if it doesn't look up to par. I wouldn't buy a movie or t-shirt off of a website that looks like it was made with Angelfire/Tripod versus one made from a more professional looking source. Either way it's up to you, sometimes something simple and plain goes a lot further than one that has too much going on. It depends on what you're selling or offering.



    WiX - great website to use, it's mostly drag and drop and it's very easy to use. You can choose from over 500 templates or make something entirely from scratch. They also allow you to design mobile webpages for smartphone browsers. The price is good and you get a lot of bang for your buck. You can create your own favicons, has unlimited bandwith, meta tags you name it they probably have it. They also have an incredibly expansive inventory of apps you can use to further your sites reach or even help customers. It's a very transparent website builder, they even give you the ability to view how many views, hits your website receives in great detail. Good for those who aren't as tech savvy but still want to create something amazing. The only shortfall with WiX is that you can only create one website and you can't change your website name without paying for another domain. You can hold multiple projects under one account but you have to pay for each to make them online.


    SquareSpace - For the more advanced website user this may be up your alley. This builder allows you to build using coding. It's not as expansive as say WiX or GoDaddy but stylistically it looks great. They have thousands of templates you can use. It's simple and clean but looks very professional. It's limiting but it if aesthetics is what you're looking for look no further.


    GoDaddy - This is probably the go-to builder for a lot of business owners. While it is very easy and nearly as expansive as WiX, in a growing world that has slowly become more intertwined to technology some of those changes GoDaddy can't accommodate (yet). GoDaddy however, is very easy to use and if you're not looking to add anything really crazy or out there it is a wonderful site builder to use and comes with many price packages you can utilize to pay less. If I'm not mistake it offers the best prices anywhere on the internet.


    Here are some reviews you guys can check to decide:

    http://www.websitebuilderexpert.com/wix-vs-weebly-vs-squarespace-vs-jimdo/

    http://www.websitebuilderexpert.com/godaddy-website-builder-review/
    http://www.websitebuilderexpert.com/




  • God_YunnGod_Yunn You paid for that The 40-9Posts: 9,080 ✭✭✭✭✭
    How to Win Friends and Influence People

    Great book to read as far as how to handle business and working with people as you climd to the top. Very informative and easy to read!


    http://www.amazon.com/gp/aw/d/0671027034?pc_redir=1405932995&robot_redir=1
    DupacSionSuperSoakerLadyZee
  • God_YunnGod_Yunn You paid for that The 40-9Posts: 9,080 ✭✭✭✭✭
    I always thought LLC was a good way to go from starting a new business.

    Goat drop though.
    SionT. Sanfordpennyda1
  • traestartraestar Atlantic City, NJPosts: 5,929 ✭✭✭✭✭
    Right now I'm restructuring my computer business for Web/Graphics Design and Business Intelligence.

    I may post a few things when I get the time, but in terms of getting started, find a hobby or chore that you want to get paid on and learn as much as possible to monetize it and maximize profits. It starts with the primary job/business and flows to different vehicles to make your money work for you like investments and property.
    Siontopoftheworld
  • 2stepz_ahead2stepz_ahead Who I am is Complex, What i am, simply put. I'm a Threat walking out the lions denPosts: 25,905 ✭✭✭✭✭
    I have a lot to add to this thread.

    I'll drop ideas, links and books and little quotes and things that helped me along my journey
    SionatribecalledgabiLadyZee
  • PurrPurr Evil Chuck Season. Jumpman jumpman Jumpman dat girl up to something!!!Posts: 32,292 ✭✭✭✭✭
    Research your business, watch the trend of the growth of your business, ask yourself if that particular business is making money, ask questions, and look out for forecasting of your business.


    For example, I am in the fashion business, my specialty is plus size styling. I used my expertise from styling, color coding with different skintones (e.g. who can wear this color or is it a universal color/print anyone can wear) based on fabrication color, what textiles are great to use for plus size women and what textiles are not great to use, are you ahead of the fashion forecast (aka what are the street/hood kids are wearing), what color pallets are in season for the seaon you are going to launch your line in, ask yourself if you are 2 seasons ahead of paris or ny, are you on lookbook.nu getting inspired by looks from around the world, what trend that was supposed to come out but didnt get picked up until 2 seasons later, and etc.

    I am constantly looking at how clothes are fitted on plus size women.i have 3 fit models who are sizes 16,18, and 20. I use their fit size to see if my clothes will look great on their bodies and what can I do to make the fit of the clothing perfect.

    Find a great makeup artist. They can make or break your look.

    Oh is your collection cohesive? Does it make artistic sense? Are the colorways complimentary to each other or do they clash?
    SiontraestarDown South Slangin
  • PurrPurr Evil Chuck Season. Jumpman jumpman Jumpman dat girl up to something!!!Posts: 32,292 ✭✭✭✭✭
    Before I forget, you have to register your fictious business name in California. It's 25 bucks and you can do it online.

    It's free for vets.
    SionDown South Slanginpennyda1
  • PurrPurr Evil Chuck Season. Jumpman jumpman Jumpman dat girl up to something!!!Posts: 32,292 ✭✭✭✭✭
    Last one....for fashion you must be on a strict timeline.

    Aug-Nov fall season
    Nov-Dec winter season
    Jan-Feb cruise season
    March-May Spring season
    June-Aug Summer season

    You have to start your clothing line a year before your collection debuts, due to changing your collection (I had changed mine 5 times), fabrics being in season, and hoe fast the designer/seamstress works.

    You need a contract with everyone you work with. I can upload my contract with my model I had employed, I had amended it twice based on my designer's speed on churning out these looks I have.


    Be nice yet firm. Your vision is your vision, do not let anyone deter it.
    SionDown South Slangingenocidecutter
  • 2stepz_ahead2stepz_ahead Who I am is Complex, What i am, simply put. I'm a Threat walking out the lions denPosts: 25,905 ✭✭✭✭✭
    let me add to the fashion while i am preparing my other posts.

    i dont want people to take this the wrong way....
    understand your targeted demographic and don't limit it to just one area or location or culture.

    think it like this...you want to start an urban line. why only concentrate on the hood? how are you going to market it? think about all the people that want to dress like black people. then go after that specific location.

    so back to the urban line.
    you have people in tokyo and china and africa that want to dress like american teens and cool people. the line you create can put you in millionaire status in no time, if you open it up right.

    i just just telling a young man the other day.

    does it really matter who you made your million from?

    you also have to understand your demographic...that is why you need different outlets. americans are too fickle and change trends too fast. go somewhere where they respect fashion and where its not about whats cool because they respect it.

    Its young people in Europe still wearing Puma. think about that for a second
    JonnyRoccITSionpennyda1313 wayz
  • 2stepz_ahead2stepz_ahead Who I am is Complex, What i am, simply put. I'm a Threat walking out the lions denPosts: 25,905 ✭✭✭✭✭
    one of my favorite books and a person i idolize. Reading this gave me a lot of inspiration.

    1514985014-500x500.jpg
    AlkinduzSionLadyZee
  • A.J. TrillzynskiA.J. Trillzynski the IC's Patrick BatemanPosts: 2,270 ✭✭✭✭✭
    what's the best way to get a small unsecured loan ($10-$20k) without using a bank and through the internet? What of these peer-to-peer lending platforms I'm hearing about? which is the most popular/safe/legitimate?
  • PurrPurr Evil Chuck Season. Jumpman jumpman Jumpman dat girl up to something!!!Posts: 32,292 ✭✭✭✭✭
    pralims wrote: »
    let me add to the fashion while i am preparing my other posts.

    i dont want people to take this the wrong way....
    understand your targeted demographic and don't limit it to just one area or location or culture.

    think it like this...you want to start an urban line. why only concentrate on the hood? how are you going to market it? think about all the people that want to dress like black people. then go after that specific location.

    so back to the urban line.
    you have people in tokyo and china and africa that want to dress like american teens and cool people. the line you create can put you in millionaire status in no time, if you open it up right.

    i just just telling a young man the other day.

    does it really matter who you made your million from?

    you also have to understand your demographic...that is why you need different outlets. americans are too fickle and change trends too fast. go somewhere where they respect fashion and where its not about whats cool because they respect it.

    Its young people in Europe still wearing Puma. think about that for a second

    What are you talking about?
    Like seriously, Americans are two seasons behind Europeans on the fast fashion market.


    There are literally three different fashion markets.

    Fast fashion - forever 21
    Contemporary - Michael Kors
    High end - Mui Mui

    There is no such thing as an "urban" market, it was destroyed and deemed uncool, when people shifted to a cleaner, sleeker, affordable, and solid colorways due to the economy failing in 2008.

    The fabrication/Textiles for urban was too expensive to create for each garment, when people could not afford to wear clothing that could not fit properly.

    The trend of 2008-2009 shifted to a very hobo chic look, this is where companies like American Apparel started booming. The customer had an slightly expensive piece but they were able to mix and match because the colorways were plain and basic.

    Now, if you're speaking about a t shirt line that does not constitute as "urban" wear. The average black youth is more hip about fashion trends; however, they may or may not be forecasting the next wave of fashion.

    The next season for fashion is back covered fully and mid driff showing slightly with a peek a boo effect.


  • DupacDupac Retired PurgatoryPosts: 67,764 ✭✭✭✭✭
    41t4o4%2BAu4L._SY344_BO1,204,203,200_.jpg

    damn near anything by zig ziglar is pure gold
    Sion
  • A.J. TrillzynskiA.J. Trillzynski the IC's Patrick BatemanPosts: 2,270 ✭✭✭✭✭
    this is my shit right here, everything you need is in these pages

    41Fo70mI0XL._BO2,204,203,200_PIsitb-sticker-arrow-click,TopRight,35,-76_AA300_SH20_OU02_.jpg
    Sion
  • MrCrookedLetterMrCrookedLetter Unless You Play Smart, Follow Your Mind Also Your Heart, The Perfect Balance Posts: 22,058 ✭✭✭✭✭
    Sticky this....
  • 2stepz_ahead2stepz_ahead Who I am is Complex, What i am, simply put. I'm a Threat walking out the lions denPosts: 25,905 ✭✭✭✭✭
    Evilchuck wrote: »
    pralims wrote: »
    let me add to the fashion while i am preparing my other posts.

    i dont want people to take this the wrong way....
    understand your targeted demographic and don't limit it to just one area or location or culture.

    think it like this...you want to start an urban line. why only concentrate on the hood? how are you going to market it? think about all the people that want to dress like black people. then go after that specific location.

    so back to the urban line.
    you have people in tokyo and china and africa that want to dress like american teens and cool people. the line you create can put you in millionaire status in no time, if you open it up right.

    i just just telling a young man the other day.

    does it really matter who you made your million from?

    you also have to understand your demographic...that is why you need different outlets. americans are too fickle and change trends too fast. go somewhere where they respect fashion and where its not about whats cool because they respect it.

    Its young people in Europe still wearing Puma. think about that for a second

    What are you talking about?
    Like seriously, Americans are two seasons behind Europeans on the fast fashion market.


    There are literally three different fashion markets.

    Fast fashion - forever 21
    Contemporary - Michael Kors
    High end - Mui Mui

    There is no such thing as an "urban" market, it was destroyed and deemed uncool, when people shifted to a cleaner, sleeker, affordable, and solid colorways due to the economy failing in 2008.

    The fabrication/Textiles for urban was too expensive to create for each garment, when people could not afford to wear clothing that could not fit properly.

    The trend of 2008-2009 shifted to a very hobo chic look, this is where companies like American Apparel started booming. The customer had an slightly expensive piece but they were able to mix and match because the colorways were plain and basic.

    Now, if you're speaking about a t shirt line that does not constitute as "urban" wear. The average black youth is more hip about fashion trends; however, they may or may not be forecasting the next wave of fashion.

    The next season for fashion is back covered fully and mid driff showing slightly with a peek a boo effect.


    love you sweetie....but we are talking about two different things.
    JonnyRoccIT
  • twinzmomtwinzmom Posts: 1,253 ✭✭✭✭✭
    My sister and I want to open a daycare. She went to a grant writing class. I'm thinking we can get some minority/women owned grants.
    SionBigBallsNoWorries
  • PurrPurr Evil Chuck Season. Jumpman jumpman Jumpman dat girl up to something!!!Posts: 32,292 ✭✭✭✭✭
    pralims wrote: »
    Evilchuck wrote: »
    pralims wrote: »
    let me add to the fashion while i am preparing my other posts.

    i dont want people to take this the wrong way....
    understand your targeted demographic and don't limit it to just one area or location or culture.

    think it like this...you want to start an urban line. why only concentrate on the hood? how are you going to market it? think about all the people that want to dress like black people. then go after that specific location.

    so back to the urban line.
    you have people in tokyo and china and africa that want to dress like american teens and cool people. the line you create can put you in millionaire status in no time, if you open it up right.

    i just just telling a young man the other day.

    does it really matter who you made your million from?

    you also have to understand your demographic...that is why you need different outlets. americans are too fickle and change trends too fast. go somewhere where they respect fashion and where its not about whats cool because they respect it.

    Its young people in Europe still wearing Puma. think about that for a second

    What are you talking about?
    Like seriously, Americans are two seasons behind Europeans on the fast fashion market.


    There are literally three different fashion markets.

    Fast fashion - forever 21
    Contemporary - Michael Kors
    High end - Mui Mui

    There is no such thing as an "urban" market, it was destroyed and deemed uncool, when people shifted to a cleaner, sleeker, affordable, and solid colorways due to the economy failing in 2008.

    The fabrication/Textiles for urban was too expensive to create for each garment, when people could not afford to wear clothing that could not fit properly.

    The trend of 2008-2009 shifted to a very hobo chic look, this is where companies like American Apparel started booming. The customer had an slightly expensive piece but they were able to mix and match because the colorways were plain and basic.

    Now, if you're speaking about a t shirt line that does not constitute as "urban" wear. The average black youth is more hip about fashion trends; however, they may or may not be forecasting the next wave of fashion.

    The next season for fashion is back covered fully and mid driff showing slightly with a peek a boo effect.


    love you sweetie....but we are talking about two different things.

    Not at all.
  • God_YunnGod_Yunn You paid for that The 40-9Posts: 9,080 ✭✭✭✭✭
    Max. wrote: »
    Lock this shit than ban yourself

    why you propose he do that ?
  • SionSion Moderator, Legion of Trill, AHH Content Producer, AHH Editor Posts: 40,994 Regulator
    what's the best way to get a small unsecured loan ($10-$20k) without using a bank and through the internet? What of these peer-to-peer lending platforms I'm hearing about? which is the most popular/safe/legitimate?

    Try credit unions, they may be much more flexible than your local bank. There's also angel investors, with that amount I'd recommend trying family and friends. See what a credit union has to say first. It may also depend on your credit score too, I'd seen ppl get loans of 10k just off the strength of having amazing credit but this was 06/07 tho.... Honestly you may have to seek an angel investor or ppl close to you for that amount. You could also try "letters of credit" which is basically a legal document saying that if you cant pay for such and such loan then so and so will. It's rarely used but that's one alternative.
    twinzmom wrote: »
    My sister and I want to open a daycare. She went to a grant writing class. I'm thinking we can get some minority/women owned grants.

    You might want to check your local city hall or central square, they usually have a bunch of bulletins and programs there to help with that. They're definitely out there and they're definitely open to giving them out. One more small thing, a letter of recommendation may go a long way when applying for grants.
    2stepz_aheadtwinzmom
  • SionSion Moderator, Legion of Trill, AHH Content Producer, AHH Editor Posts: 40,994 Regulator
    Gonna sticky this thread and then move it around back and forth.

    I'll leave it in here for a bit tho.
    2stepz_aheadPurr
  • 2stepz_ahead2stepz_ahead Who I am is Complex, What i am, simply put. I'm a Threat walking out the lions denPosts: 25,905 ✭✭✭✭✭
    edited July 2014
    Some magazines I am subscribed too, these are very helpful and full of information

    Kiplinger
    http://www.kiplinger.com/
    kiplinger_s_personal_finance.17768.jpg

    Entrepreneur Magazine
    http://www.entrepreneur.com/magazine/index.html

    entrepreneur-magazine-august-2014.jpg

    INC magazine
    http://www.inc.com/
    1351452183_inc1.jpg
    God_YunnSionBigBallsNoWorriestraestar
«13456733
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