3. The Real Estate is the hardest hit: Realtors, home builders, etc .

4. Those other business that may be related to real estate attorneys, suppliers etc.

7. 87% percent of small-business owners in stated that rising energy costs have had a negative impact on their business

11. Fully fund the SBA. The focus is specifically on the SBA's flagship program, the so-called 7(a) loan guarantee.

13. Routinely review financials: Quarterly, Monthly, Daily (if possible)

15. Have at least six months of operating capital on hand.

16. business owners need to make sure that their salaries and savings are part of the budget ''Pay yourselves first,'‘ ''Take a salary”

18. keep in mind where you want to end up

19. just as you wouldn't put all your money into one stock, ''don't put all your money into the business.

20. have an alternative plan

23. Payroll Administration

24. Installation & Maintenance of Computerized Accounting Systems and Networks

25. Business Plans and Loan Packaging

27. Grant Writing & Proposals

28. Incorporations (C-Corporations, S-Corporations, LLC, LLP, PA)

29. Financial Analyses and Forecasting

30. Efficiency Improvement

31. Other Services (designed to fit your needs)

33. Professional Services (Legal, Real Estate, & Insurance)

34. Retail

35. Not For Profits (Churches, Schools, Civic Organizations)

36. Entertainment (Artists, Musicians, Producers)

37. Independent Contractors (Mary Kay, Avon, etc.)

38. Construction & Property Management

39. Investors (Real Estate, Stock, & Other)

41. Attorneys (Corporate & Tax)

42. REALTORS (Commercial & Residential)

43. Commercial Loan Officers / Mortgage Officers

44. Insurance Agents

45. Financial Advisors

47. Businesses Experiencing Growth

48. Businesses with 3 or more employees on payroll

49. Businesses wanting to secure financing

50. Individuals desiring to go into business

51. Anyone Required that wants a RELATIONSHIP WITH THEIR ACCOUNTANT!!!!