A3c: Small businesses are seen as the backbone of the economy - dedication to their communities is important whether they operate as a web-based business or retail storefront. #SmallBizMoney

A3c Cont: Even with an increase in web-based businesses, community commitment adds value to a small biz #smallbizmoney

You have to jump through some hoops to be classified as a non-profit. Why would this be a nonprofit? #SmallBizMoney

National Foundation for Credit Counseling (NFCC) A4: Offer free educational workshops in your local community! #SmallBizMoney

A5b: I agree. Maybe it's just a matter of not knowing or understanding how they can benefit? Or maybe SBOs have accepted that paying taxes is part of the deal and don't think of it really as a way to save capital. #SmallBizMoney

A6a: SBOs still value offering the "mom and pop" experience, but business longevity today depends on efficiency and attracting customers. Tech and digital investments from conducting banking transactions to point of sale systems are driving this evolution. #SmallBizMoney

Tax Tip 6: Don't forget about the R&D Tax credit. It applies to anyone doing demos, sample products or other kinds of research. You don't have to be a pharmaceutical firm to take advantage! #SmallBizMoney

A7a: Creating a succession/business exit plan is crucial. Why invest all of your time and money into a business if you're not going to make it work for you when you retire? It's scary that 59% of SBOs told us they DON'T have a succession plan. #SmallBizMoney

A7c: It's never too soon to have an exit plan. If you were at a company, you'd want to contribute to your 401(k) at the beginning of your career and not wait until you're 5 years away from retirement. Why treat succession planning differently? #SmallBizMoney

A9a: If you’re looking to grow and need a line of credit/loan, make sure you take all necessary steps to prepare your application. Check that your credit score is in a good score place, have a business strategy ready and meet with your banker beforehand. #SmallBizMoney

Listen in as Jay DesMarteau & I discuss the state of small businesses, the implications of #tax reform & how #smallbusinesses can position themselves for success in 2019 with Steve Lubetkin on TD Bank News's Small Business Sound-Off #podcast #SmallBiz newscenter.td.com/us/en/insights…

Got to love a good sense of humor...:)

“The man who questions opinions is wise; the man who quarrels with facts is a fool” - Frank Garbutt

Tasting 2004 Bodega Numanthia Toro Termes - #wine cellartracker.com/n?8838394

I've entered to win ten of Wine Spectator's Top 100 Wines of 2020! You can enter the #winespectatorcontest here: swee.ps/PISkT_EnGYqOg

Tasting 2006 Luce della Vite Brunello di Montalcino - #wine cellartracker.com/n?9858817

Bravo Avis! No cars…one employee working ….I get labor and supply chain issues …DONT TAKE MY RESERVATION! @ Indianapolis International Airport instagram.com/p/CjraaxYu8X6/…

Tasting NV Domaine Christian Ducroux Exspectatia - #wine cellartracker.com/n?10424532