”’Editor’s Note: This article is adapted from the original version, which was previously published in Small Business News, published by Small Business Hawaii.”’

“Suzanne Gelb Image”

Tough economic times have caused many small business owners to feel stressed. They wonder how to make ends meet and whether their business is next in line for layoffs, mergers, or bankruptcies. As a result, the tendency is to want to give up (sell the business, declare bankruptcy, relocate) rather than solve the problem.

Let

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