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I here over and over, we need the banks to loosen up financing, so small businesses
can cover their payroll, buy equipment, pay their bills.  I swear I am going to pull
my hair out if I hear this bullshit line again.
If you can't cover your payroll, then you might need to let go of
some of your employees.

Seriously, borrowing to expand, or purchase new equipment, sure, that makes
sense.  But why are you in business, with employees, if you can't even cover
their pay.

This example is greatly over used, and frankly a load of bullshit.  I know many, many, small
businesses, and not one of them borrows money to cover payroll.  Maybe they need to
talk to some real small businesses, and not spread manure every where about how all
small businesses need that credit, and that is why the banks got billions of dollars
to give/lend to the small business community.

In 30 years I have financed trucks, equipment, a building. but never the payroll.
If we  didn't have the money to pay someone, then we did the work ourselves.
Acting like credit is the supreme most important thing to stimulate the economy,
is really not true.

Hey, I got an idea.  How about we sum-zero every fucking credit card, and start
over.  Let the banks just write that shit down.  I mean my company has lost
money the last 3 years, but I am not asking for loans or government bailouts.

Hell no.  If I can't even cover my payroll, then I won't continue to be in
business.  It is a simple little thing called, CASH FlOW.  You know, have
enough coming in to cover what is going out. God, you don't have to
be a licensed CPA to know that.

And the line, it is all just too complicated for us peons to understand.
Right, well give me a shot.  I know where the missing 78 billion went
from the TARP money.  Into many well heeled/connected pockets.

I had a talk on friday with my local H-Vac guy.  That fucking heat pump
is always conking out on me.  He happened to be one of the owners,
I have used him for years for all my heating and cooling needs.
I asked him how it was going, his business.  He told me he
used to have 30 employees, and now he had 10.

Then I told him how I had half the people I had since Sept 11, 2001
happened.  He was like "Yeah, remember I was at your building the
day that happened, on the roof."
"Thats right, I forgot, you were there, we watched it all unfold
on a little 9 inch black and white TV we kept in our office
for weather updates."

It was then that I recalled us all standing around transfixed, standing
there watching the 1st tower go down.
And I said "Did the building just collapse?"

Shit, sorry off subject.  The point is, most small business's just cut back,
if the business isn't there, then they let employee's go.  It is the first
place to take a hit, not out of mean spirited malice towards the
worker.  It just makes sense, if you have less volume of business,
then you need less bodies to do the work.

But the building, or equipment, phone bills, insurance are constants.  But even
there cut backs can be made.  I reduced my phones from 4 to 3. I cut the
dumpster pick-up to every other week.  I cut the grass every 3 weeks instead
of every 2 weeks.  It isn't just borrow, borrow, borrow, really, this is really
all about keeping the financial industry alive.   Who really does provide
the most important things we need, it is not the financial industry.

It is the service and trade, and retail.  When the rich bankers yard needs
mowing, does he do it himself. Of course not, or what if he has a plumbing
problem, either in his house or body, or how about fixing a tree that
falls on his house or who made the suit he wears, the food in his pantry, who
grew it, delivered it, how about the electricity running in his mansion.  Yeah,
what would the world be like with just banker's, hmmmmm.
Roll up your sleeves and fix that toliet Big Bank CEO.

End of Rant, I think, yeah, that's all I got for today.   One more thing to the
big guys in Washington STOP GIVING THE BANKS OUR MONEY!

Originally posted to sharistuff on Tue Apr 21, 2009 at 07:30 AM PDT.

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Comment Preferences

  •  Of course in your business... (5+ / 0-)

    that would make perfect sense...but in a service business when you are getting paid in 90 days for what your paid someone on your payroll weekly...it would be perfectly normal to benefit from credit to expand your services...

    Obama - Real Leadership for a Real Change

    by dvogel001 on Tue Apr 21, 2009 at 07:38:24 AM PDT

    •  Are you a bank? (0+ / 0-)

      http://dumpjoe.com/

      by ctkeith on Tue Apr 21, 2009 at 08:09:01 AM PDT

      [ Parent ]

      •  30 days is the limit for any businness (0+ / 0-)

        If your allowing 90 days for payment you are out of your mind and will soon be out of business.

        http://dumpjoe.com/

        by ctkeith on Tue Apr 21, 2009 at 08:10:50 AM PDT

        [ Parent ]

        •  By Milestone (3+ / 0-)
          Recommended by:
          blindcynic, nextstep, chrome327

          Well, if you're working on something where you get X% upfront and Y% when it's done (or any other mile-stone combination), then you may have a decent gap between milestones.

          Or even if it's "within 30 days", if someone's late with a payment, you still have to make payroll.  Or if their 30 days is on Tuesday, and payroll is Friday, you need the money on Friday.

          There's a fundamental difference between short-term unsecured loans to a profitable small business, and longer-term secured or unsecured loans used to build/expand a business.

        •  Ever heard of the rag trade? (0+ / 0-)
        •  Gov't contracts are SLOW in paying... (1+ / 0-)
          Recommended by:
          janmtairy

          Yes, the usual accounts receivable are 15 or 30 days, unless you have contracts with the gov't.

          One branch of my family in USA, owns a construction company.  They are 3 brothers, electricians (one is now deceased), and have about 50 employees.  They put in the lighting along the interstate, highways, and do some municipalities.  

          Their usual repayment has been anywhere from 3-6 months.  They only do emergency work after Thanksgiving and before Valentine's Day.  (One of my uncles is named Valentine, and is slightly superstitious).

          "We are what we repeatedly do. Excellence, then, is not an act, but a habit." -Aristotle

          by Aidos on Tue Apr 21, 2009 at 09:03:09 AM PDT

          [ Parent ]

        •  Not really true... (0+ / 0-)

          lets say you just got the bid on a big consulting project for a government agency...90 days may be a normal payment cycle...or your contract may have payment based on milestones instead of hours which could mean 120 days...there are a variety of reasons why you would have that delay in cash flow...

          In addition, in my business, good customers have been moving from 30 days to 60 days and in some cases 90 days because their customers are stretching them out...

          Your scenario is a textbook case...and also a steady business not trying to grow your business which would require paying payroll for consultants on the bench for 30 days or so before the project starts...

          And no I am not a bank...just a small business person...

          Obama - Real Leadership for a Real Change

          by dvogel001 on Tue Apr 21, 2009 at 09:11:49 AM PDT

          [ Parent ]

        •  Fantasy (0+ / 0-)

          We have customers who pay in Net 10, and customers who pay a few days late on Net 60 (and in fact most of our international customers pay in advance). In 22 years in business, we've never written off a bad debt.

          What your suggesting is that I should give up hundreds of thousands of dollars in sales, that cost me at most 2% or 3% out of 20% and higher (mostly higher) gross profit because you think 30 days is the limit.

          Doesn't make a lot of sense to me.

          Je suis Marxiste, tendance Groucho

          by badger on Tue Apr 21, 2009 at 10:05:54 AM PDT

          [ Parent ]

    •  I am in the service business n/t (0+ / 0-)
  •  It's called a line of credit and yes most small (8+ / 0-)

    business use it - it is a 30 day drag account where you borrow @ critical times like the 1st and the 15th and yes to make payroll and then pay down the line over the month.

    I consult for Small Business a you my friend are the exception not the rule.

    But also - captial investment and loans are not occur either in the short or long term windows because of changes to many small banks portfolios.  Banks invest also - when their investment tanks - the fed comes in and demands that they improve their ratios - then money drys up all the way around.

    Takin it to the streets....Doobie Brothers

    by totallynext on Tue Apr 21, 2009 at 07:40:03 AM PDT

    •  I don't believe in using the line (0+ / 0-)

      of credit. You are just moving numbers around, even
      in start-up it is not a good business model. I really don't
      think I am the exception, at least not in successful
      sustainable businesses. Just my opinion, based on
      30 years of experience.

      •  Well That's a Philosophical Difference (3+ / 0-)
        Recommended by:
        Nellcote, pale cold, janmtairy

        ....and one that you're entitled to.  That people who don't share your philosophy should "fire some people or close their doors," is another philosophical difference which you're entitled to, but it strikes me as a somewhat shortsighted one.

        If spittle & tooth=vigor & youth Bill-O & Savage won't grow any older If wishes & dreams=bitches & beams We'll all live in skyscrapers bu

        by TooFolkGR on Tue Apr 21, 2009 at 07:46:39 AM PDT

        [ Parent ]

        •  Realistic is what is is (1+ / 0-)
          Recommended by:
          ctkeith

          I grew in baby steps, took calculated chances, had quite
          a few loans, but always for expansion or equipment.

          I always considered payroll must stand on it's own.
          Take it from someone who did the work themselves
          for 6 years before we hired any help, then grew pretty
          steady for about 15 years.

          Payroll is the biggest expense I have, and it could bury
          my company, it is a tricky proposition. That doesn't mean
          I haven't had to dip into a reserve fund to cover the payroll
          a couple of times.  But I can't let it bury me, after 30
          years, I am getting long in the tooth, and need to save
          for the nursing home I will need someday, seriously!

      •  I can understand a new business (0+ / 0-)

        doing this(even though I think it's a bad idea) but if you still need a line of credit to make payroll after a year or two then your business is very shaky.

        http://dumpjoe.com/

        by ctkeith on Tue Apr 21, 2009 at 08:13:23 AM PDT

        [ Parent ]

      •  Different business operate differently (2+ / 0-)
        Recommended by:
        badger, janmtairy

        Don't confuse having experience with one or a few businesses with having relevant experience in all businesses.

        Proper financing of a business depends upon many factors - and not all businesses are the same.

        Some businesses need to carry inventory - which requires significant cash.  

        When times get tough some customers pay later than standard terms. This requires cash to meet the timing difference of when vendors and employees are paid and when customers pay.

        The most important way to protect the environment is not to have more than one child.

        by nextstep on Tue Apr 21, 2009 at 08:57:30 AM PDT

        [ Parent ]

    •  In this case the party is borrowing against (1+ / 0-)
      Recommended by:
      badger

      A/R not to make payroll.

  •  My business has almost no sales (6+ / 0-)

    for 6 months out of the year. We make all our money during the Fall and Winter. So, yeah...we really on our bank to give us a loan for payroll, etc.

    Ablington is a scab at the bending factory. Relentless!

    by ablington on Tue Apr 21, 2009 at 07:40:17 AM PDT

  •  I once owned a Nursing agency... (6+ / 0-)

    I disagree with your diary.  There are some smalll businesses, who because of late-paying accounts receivable, cannot make payroll.

    I made a contrct with a Hospital, St. Anne's in Chicago, to bring in myself and two other critical care nurses, to do staffing in their critical care areas at night and on the weekends.

    I could forgo my own pay.  But I had to pay the nurses I sent out to work for me.

    Problem was, the hospital was already defaulting on its payments to other agencies, so they were glad to 'help' me start my own agency!  

    LOL, they were 4 months behind in paying me, before I got wiind of their game.  They never intended to pay me.  They hadn't paid the other agencies, either.

    Then I was approaced with a State of Illinois contract.  Only one problem.  They said I would have to wait 6 or more months to get paid.  Anyone reading the news knows, some agencies working with the State of Illinois, haven't been paid in full, in years.

    "We are what we repeatedly do. Excellence, then, is not an act, but a habit." -Aristotle

    by Aidos on Tue Apr 21, 2009 at 07:42:02 AM PDT

    •  once owned? what happened? (0+ / 0-)
      •  Well, it's a story about politics... (2+ / 0-)
        Recommended by:
        pale cold, sharistuff

        political freaks, like Blagojevich and his ilk, trashed me, trashed my family.

        When I was getting beaten-up, my home invaded by FBI agents at the beheast of politicians, no one in the media blinked.  

        Blagojevich did fundraising with now imprisoned Mike Scanlon.  Even so, he got elected AND re-elected Governor, even though EVERYONE KNEW how corrupt he was, how shallow, incincere and vacuous!

        The media's response was, "it's politics and there are important issues at stake."

        I'm a little fish.  And when Blagojevic & Co got finished practicing on me andstarted biting at other big fish, the big fish fought back.  Blago got indicted.  Whether or not it will stick, is another story.  Blago is still laughing, like Drew Peterson, because Blago knows, it's all just politics and he's used to playing the game.

        Right now I'm too sick to do anything.   But, I hope to recover, again.  And rebuild.  Better than before.

        "We are what we repeatedly do. Excellence, then, is not an act, but a habit." -Aristotle

        by Aidos on Tue Apr 21, 2009 at 07:56:38 AM PDT

        [ Parent ]

    •  that's a kinda slimy of a hospital of all places (0+ / 0-)

      not to pay thier bills, how they can go on, it is unbelievable.

      the state at least tells you that you won't get paid for 6 months but that's also a pretty crappy process.

      Man, there is also enough room for reform to drive a truck through.

      Boycott Alabama to protest Richard Shelby's slanders against the workers of Michigan and the midwest.

      by gaspare on Tue Apr 21, 2009 at 07:57:25 AM PDT

      [ Parent ]

  •  yeah, but they need a credit line (2+ / 0-)
    Recommended by:
    badger, TooFolkGR

    maybe they don't dip into directly for payroll, but if you cut off the funds a company has to order supplies, raw materials, etc then the funds dry up fast.  If a company only has $10,000 in the bank and they need to make payroll and buy supplies at the same time that month, then if the credit line is slashed from $20,000 to $5,000, guess what, the small company has a problem very, very fast.

    Boycott Alabama to protest Richard Shelby's slanders against the workers of Michigan and the midwest.

    by gaspare on Tue Apr 21, 2009 at 07:42:08 AM PDT

    •  I guess I am conservative (1+ / 0-)
      Recommended by:
      solotime

      I think the business must support itself, or what is
      the point. I get you need loan, or lines of credit
      sometimes, but there should be a plan to be self
      sustaining and saving for the rainy day, or slow
      downturns. I am still here, and alot of my competition
      is gone.  So I will just stick to my business model.

      If I have to borrow from the bank to pay payroll,
      then I am out.

      •  I agree with you (3+ / 0-)
        Recommended by:
        gaspare, solotime, sharistuff

        I have been in business since 1989, and have only ever used loans for equipment.  I have never used credit to pay for payroll - if I was in that kind of cash-flow crunch I would pay rent or some other bill late.

        Not that anyone would have given me a loan in my early years, so it taught me to really watch the pennies.

        •  exactly, no loans back in the 1980s (1+ / 0-)
          Recommended by:
          gaspare

          You had to do it almost on your own. And when you finally
          get credit, you are usually in pretty good shape already.

          One time we had a gig with Miller Beer, and did not have the
          piece of equipment they wanted. So Miller Beer gave us an
          advance so we could buy the equipment to rent to them.

          Another example: the vender we bought our equipment, let
          us run about a $100.000 in credit to buy their equipment.
          Once again the banks wouldn't touch us, but we worked
          it out directly with the manufacturer.  Don't always need
          a bank to expand.

      •  sounds like you have a good business model (1+ / 0-)
        Recommended by:
        sharistuff

        I've heard stories of people dipping into thier home equity to fund thier businesses only to find themselves in serious trouble with bank foreclosure looming on thier house.  So, as far your statement goes 'I think the business must support itself', I agree with that and that's not a liberal or conservative concept or position, just a simple and sound business practice.

        Good luck with your business.

        Boycott Alabama to protest Richard Shelby's slanders against the workers of Michigan and the midwest.

        by gaspare on Tue Apr 21, 2009 at 08:03:29 AM PDT

        [ Parent ]

  •  I come from a farming family, in Slovenia.. (0+ / 0-)

    We also have grapes, a small winery.  One uncle is a pig farmer, another (now deceased) grew corn for popcorn.

    Most farmers need the occassional loan, to help them over some hump.  A bad crop year.   Some natural disaster.

    So, their colleagues in the USA, my family has come to the USA to see American farming methods, use bank loans, alot.  An example from one farm we visited in Centralia, Illinois,  was, buying pig feed and then waiting until the hog is sold, to reap the profits and repay the bank loan for the feed.

    "We are what we repeatedly do. Excellence, then, is not an act, but a habit." -Aristotle

    by Aidos on Tue Apr 21, 2009 at 07:47:25 AM PDT

  •  What is a small business? (3+ / 0-)
    Recommended by:
    shann, Aidos, chrome327

    There are small businesses that are a one person shop with little overhead (say a home-based daycare providor or a lawn-care guy that's happy with $100 a day).  There are small businesses with a handful of employees (my law office).  And there are small businesses that have multi-million dollar inventories and a couple hundred employees (the local circuit making factory).

    There is no cookie-cutter approach for "small businesses".   Personally, I'm very happy that I don't have to borrow money to keep the lights on.  But I surely can't lecture other business owners that need a line of credit to keep it going.  For better or worse, credit has been an underlying tool of the business community since the invention of money.

    •  I have nothing against credit (0+ / 0-)

      I just think it is a bad idea to borrow for payroll, that one
      item should be built into operating expenses. I know everyone
      has to borrow at some time or another, I think folks missed
      the point of the diary.  

      The banks need to stop using small business as the reason
      they are getting all this money from the Treasury.

      •  I get what you are saying (1+ / 0-)
        Recommended by:
        pale cold

        Everyone should live within their means and that includes small businesses.

        Unfortunately, if every business resets its business model and follows yours, we will see unemployment jump up to 20% or higher.

        When times get tight you make difficult decisions to let go of workers and put in longer hours yourself.  Nothing wrong with that.  But when every business does the same thing, we see an unemployment spiral.  The more that people fear for their jobs, the less they buy.  And sooner or later every business is affected.

        Look, I have no love of bankers.  But I do understand that without an infusion of cash into the economy, sooner or later all of us small business owners will suffer.

    •  maxx, well said. (1+ / 0-)
      Recommended by:
      chrome327

      Retailers must hold inventory, even though they usually make most of their money in sales for Christmas presents.

      Maybe we need a Christmas in July?

      July 4th could be expanded to Uncle Sam dragging a bag of wrapped presents to the bar-b-que and placed on the picnic table.

      "We are what we repeatedly do. Excellence, then, is not an act, but a habit." -Aristotle

      by Aidos on Tue Apr 21, 2009 at 08:02:50 AM PDT

      [ Parent ]

    •  a lot of them aren't borrowing to "keep the light (2+ / 0-)
      Recommended by:
      maxxdogg, chrome327

      on" - they're just using a business model that provides more flexible timing for them on bills, payroll, etc, allowing them to budget in a way that works for them. It's just another way of handling the same things. The difference now is that with credit lines being arbitrarily pulled, businesses that built themselves around this model are getting screwed. Not because they are badly run businesses, but because a reliable tool of business that they had no reason to believe was suddenly going to disappear did just that.

      And as another commenter pointed out, seasonal business are particularly affected by this issue.

      •  I'm seasonal, and I don't have (0+ / 0-)

        to borrow to keep the lights on.  So you just have to
        take that into account.

        •  Your Buisness... (0+ / 0-)

          Is service you say?

          So is that where all the services you offer are paid immediately, and there is not an invoicing situation? Do you do your cash outs and deposits daily, and then just pay the bills and the payroll out of that?

          That is a lot different than other businesses, say....manufacturing, professional, contracting....etc. where there may be a 30 day lag.
          And where the payroll may be over $10,000.

          •  I have clients on billing (0+ / 0-)

            Why the disbelief, or the belittlling, maybe I SAVED, so I could
            ride out the bad times.  You know you can save some
            money in 30 years, if you work hard, and don't blow it
            all.  I never said clients pay me immediatly, which many do.

            Because I am in the party rental business, and once the
            job is done, I have no recourse to collect since my services
            were already used.

            Ever been to a wedding, well I can bet most of the caterer's
            collected at least half in advance, and balance before the
            party. Same with the florist.

            It is not a novel idea, to pay as you go.  NO crime in collecting
            upon completion of the job. Do it all the time. There, happy
            with my answer, though I thought you were being kind of
            a jerk in your comment.

            And sometimes my payroll can be over $10.000, not in the
            last 2 years though, I think it reached about $9000.

            I work for the government too, sometimes it takes 90
            days, sometimes they pay on delivery.

            My crew were uniforms and I think we are "Professional"

            •  Again. (2+ / 0-)
              Recommended by:
              badger, fiddlingnero

              You are projecting. Please re-read.

              There is no belittling there.  You are very defencive, without any reason to be so.

              You saved, that can happen over time. No secret there is there?
              We started our small biz 4 yrs ago, from nothing. We haven't had a chance to save, because we have to buy all this equipment to operate. Therefore, we have not had any savings yet.
              We had to hire people to do the work, or there wouldn't have been any work. Time schedules, and certain professional tickets and requirements are needed in our field.

              Our payroll has already gotten far far past $10,000. Some months. Now it has crashed of course, can only offer work when there is some.  

              Now, we are not all that unusual.
              See the point?
              Again, this comment has been written in a most benign fashion.

        •  There are people. Other. Than. You. (1+ / 0-)
          Recommended by:
          pale cold

          In. the. world. Who do things differently than you do.

          I am not sure how to be more clear than that...

  •  GOP lie about small businesses (0+ / 0-)

    Nice diary. Thanks for addressing something that the TradMedia has completely ignored,doesn't understand, or both.

    I also am what the Republicans would define as a small businessman except that some of my businesses exist only on paper.

    My accountant and lawyer suggested that I form an LLC. It is legal to do this and the reason is for lower taxes. I pay taxes, the firm is registered as a corporation in one state, and I pay taxes to that state and the IRS on the LLC.

    The problem is that the LLC I have performs no services, has no clients, and doesn't make anything. In a perfect world, I would not be allowed to shield some of my money and pay less tax on it, but this system was created for wealthy Americans who do basically the same thing, so as long as it is legal and not some kind of tax dodge like an illegal offshore account in the Caymans I will do.

    I have my accountant add up the difference I would have had to pay had I not created the LLC and I donate that money to worthwhile charities.

    I fully understand that my LLC is basically a paper corporation but the GOP and certain Blue Dog Dems would count it as a small business created. Let's be perfectly clear: it is not since not a single job has been created — not even for me.

    •  Dirk, do you do ANY work for the $? (0+ / 0-)

      If you do, the reason for forming an LLC could also be, to reduce your risk of being held liable, if sued.   The LLC is providing shelter.  Why would you be ashamed for being economically smart?

      I wish I knew what you did and could reproduce your success.

      "We are what we repeatedly do. Excellence, then, is not an act, but a habit." -Aristotle

      by Aidos on Tue Apr 21, 2009 at 08:07:33 AM PDT

      [ Parent ]

  •  They pay workers so little (0+ / 0-)

    that they don't need to borrow to meet their payroll obligations. If they're short one week they can just look for spare change in their couch.

  •  What I've been saying all along... (0+ / 0-)

    If you own a small business and you need loans to make payroll you are in trouble!  Small companies need credit to purchase supplies, etc., but they don't use credit for payroll.  What the credit card companies are doing with the outragious fees and interest are far more damaging to small businesses than not getting a payroll loan.  However, every small business needs a good footing with their bank for big equipment and property loan purchases.  Everything they are saying about what small businesses need is totally backwards.  

    •  Equipment purchases can put you under too (1+ / 0-)
      Recommended by:
      decembersue

      Quit fooling yourself.  There is not a difference in what loans are used for.  The money does not know what it is being used for, it only knows it must be paid back with interest.

      Say you borrow $3 million for new equipment at 8%.  You need to come up with $240,000 in interest plus make some inroads into repayment of that debt.  If you don't, the bank shuts you down and takes all the security you pledged to get that new equipment.

      •  You can sell equipment (0+ / 0-)

        once the payroll is payed out, it is gone. Equipment
        is an asset, and is there well beyond the loan date.
        Though you shouldn't borrow more than you can pay
        back.  Business models my ass, just use common sense.
        I never bought a single piece of equipment unless a client
        showed desire, I will leave speculating to Wall Street.

  •  OMG (0+ / 0-)

    it's employees not employee's, businesses not business's, banker's not bankers, etc.
    Please, if it's important enough to write about, it's important enough to proofread, spell and grammar check! Too many errors make it next to unreadable. The point gets lost.

  •  Small biz (2+ / 0-)
    Recommended by:
    fiddlingnero, maxxdogg

    We have dipped for payroll. There are variables here that you may not have encountered.
    Doesn't mean it doesn't happen, and isn't happening.

    An example is contracting, sometimes the client doesn't pay an invoice right away, payroll still needs to be met however.

    At the same time, this "downturn" has been occurring for a while, and some businesses may need to dip into credit in order not to let valuable employees and their families suffer because of layoffs. Other purchases are needed to make sure materials are available or production stops.

    Of course this situation is not ideal, I hate using credit for that stuff. But meeting the payroll, on time is most important. Screwing people over with late cheques is just evil.

    •  I never said don't pay your employees (0+ / 0-)

      of course they must be paid, that is why a company needs
      to meet their payroll, first and before all other expenses.

      But it can't be sustainable if week after week you are
      borrowing just so people can stay employed, if the
      business isn't there, then layoffs are an unfortunate
      part of the territory.

      Your business will fold eventually if you are not
      bringing in enough to so to speak ,meet the nut.

      We can't just have everything now, sometimes it
      takes years to get where you are in a good place.
      It may take years to build up a staff, but it also may
      take years to downsize in a shrinking economy.

      We can only do the best within our means.  I just
      hired a new employee, so I want to hire, but gotta
      have the business to support the decision.

  •  In title: Business's ---> BusinessES (1+ / 0-)
    Recommended by:
    sharistuff

    Plain old plural, not singular possessive.

  •  Thanks for seeing through the bullshit (0+ / 0-)

    Glad somebody does, somewhere.

    It's rare.

    William Casey "We will know that we have succeeded when everything the public believes is false"

    by Inky99 on Tue Apr 21, 2009 at 08:57:21 AM PDT

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