By BRUCE FREEMAN, Scripps Howard News Service

How to get additional capital

Dear Professor Bruce: I initially funded my small business from savings, home equity and generous almost retired parents. The business is holding its own after the first year but I need additional capital to get it to the next level. What are my chances of getting a loan? What do I need to do?

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How do small business owners stay motivated?

Dear Professor Bruce: I am a small business owner. I am president, vice president, sales manager, treasurer and at times I even sweep the floor. The pressures can be overwhelming. How do I stay motivated?

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Take a test before starting a small business

Dear Professor Bruce,I am thinking about starting a business, but I was wondering whether I have the best background to begin. Is there a "right" kind of background for a small business owner?Answer:

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How small businesses can use cause related marketing

Dear Professor Bruce:How can my small business take advantage of cause related marketing opportunities in my community?

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Advice for women entrepreneurs

Dear Professor Bruce:I am a female senior executive in my 40s. I'm thinking of leaving my job in financial services to start a business. I know I'll need a business plan and seed money, but what else do I need to "make it" if I strike out on my own? Answer:

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Pros and cons of franchising a business

Dear Professor Bruce:My business is doing well and I want to expand. Some friends have suggested franchising. But I don't know if I should do it. What are the pros and cons of franchising my business? Answer:

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An explanation of trade credit

Dear Professor Bruce: I hear a lot about trade credit. What is it and why should I use it?

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Keeping spirits up when business is slow

Dear Professor Bruce: I always try to be the optimist in my small business, but I still go through some slow times and worry about the economy. Any suggestions?

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To buy or lease, that is the question

Dear Professor Bruce: I am starting a business and have limited funds. At the onset, I need a van and some expensive office equipment. Should I lease or buy?

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