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Imagine that your best employee just resigned. How much will it cost – directly and indirectly – to find, hire, train and get a replacement to the productivity level of your exiting employee? You already know the answer: maybe years. Not a scenario you want to contemplate, right?

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This is the second of three articles on how to prevent your firm from becoming part of the increasing mortality statistics of U.S. small businesses. That’s right. The SBA reports that 50% of small businesses fail in the first four years, instead of five years, as they reported 20 years ago.

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Once a week or so I call my sister and we talk for an hour. We live 3,000 miles and three time zones apart, and don’t get to see each other often. Not nearly often enough. But we stay in touch as best we can.