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From YouTube: Pasos para la creación de un negocio - 12/16/2021
Description
En este video podrá aprender las bases acerca de la creación y operación de un negocio en la ciudad de Boston. Si desea acceder a este material en Inglés, por favor visite https://www.youtube.com/watch?v=VOsIlTjYP8U .
0:00 Introducción
4:55 Información general
14:08 Declaración de impuestos estatales
21:33 Licencias
47:11 Planificación de negocios y financiamiento
A
Six
also
came
from
a
business
training
workshop
and
I
would
like
to
see
the
city
demonstrate
by
giving
us
the
opportunity
to
present
to
you
today.
The
knowledge
that
you
will
have
here
today,
as
part
of
that
workshop,
will
help
in
the
process
of
forming
and
founding
new
companies
in
communities
near
Post.
My
name
is
Luis
and
I
represent
an
epi
which
is
a
company
that
assists
small
businesses
and
entrepreneurs
that
help
with
many
aspects
from
the
foundation
to
planning
and
also
marketing
and
digital
and
online
plans.
A
So
I
would
like
to
start
with
a
story
detailing
what
sounds
like
an
entrepreneur
considers
a
master's
degree,
and
his
company
is
called
section.
She
has
a
cake
company.
It
will
be
with
tropical
fruits
And
her
product,
yes,
that
is,
there
it
is,
and
she
sells
cakes,
cakes
that
she
bakes
from
scratch,,
but
developing
a
process
to
get
her
cakes
out
of
the
kitchen
and
into
the
hands
of
customers
was
not
so
easy.
Originally,.
They
plan
to
pay
for
their
cakes
in
home
because
he
did
not
have
too
many
clients.
A
So
in
his
case,
the
oven
in
his
kitchen
already
allowed
him
to
do
that.
But
he
found
some
problems
that
many
companies
across
the
street,
for
example,.
How
could
he
ensure
that
he
was
doing
or
following
the
rules
established
by
his
owner
and
by
the
local
government
as
well,
for
example,
how
she
could
ensure
that
she
was
complying
with
the
federal
state
rules
that
regulate
food
businesses
such
as
the
business
of
baking,
cakes
detail?
A
What
she
had
to
do
in
the
end
was
go
through
a
permit
process
to
be
able
to
To
operate
her
business.
She
needed
a
home
occupancy
permit
from
the
city
that
allowed
her
to
run
her
business.
or
from
home,
and
also
needed
to
file
his
state
and
federal
taxes
and
ensure
that
business
was
also
registered
with
the
state
of
massachusetts.
A
It
was
not
an
easy
process,
but
absolutely
necessary.
Obviously
not
as
you
can
imagine,
soc
sat
is
still
an
astana
and
taiz
continues
to
work
hard
to
make
those
delicious
cakes,
but
the
process
that
has
been
achieved
in
the
past
year
has
been
inspiring
and
now
all
that
organization
and
all
that
work
is
beginning
to
bear
fruit
today.
A
Well,
I
would
like
to
talk
a
little
about
an
initial
concept
of
what
a
product
is.
In
fact,
a
product
is
something
that
can
produce
or
provide
someone
with
something
that
someone
else
is
willing
to
pay
either
it
can
be
an
object,,
a
service
or
perhaps
an
idea,
but
each
business
has
a
product
and
also
each
product
can
become
a
business.
A
Now
when
we
talk
about
the
process,
it
is
a
little
different.
How
that
happens
like
a
product
can
be
transformed
in
a
business
and
that's
the
second
second
component,
not
in
the
business
process.
The
method
you
use
to
connect
your
product
with
customers,
one
of
the
most
important
responsibilities
as
an
entrepreneur,
is
to
secure
and
have
thought
through
the
right
information
with
the
right
organizations
and
that
you
meet
the
legal
requirements
to
do
business.
A
A
Well,,
our
first
session
will
focus
on
the
state.
Presentation.
The
state
declaration
is
a
critical
step
in
the
process
of
forming
a
business..
State
presentation
is
a
process
that
all
companies
must
go
through
to
notify
the
government
of
their
existence,,
for
example,
when
they
had
children
and
they
had
it
is
as
if
it
were
when
they
have
a
new
baby
that
they
have
to
register,
obtain
a
birth
certificate,.
A
company
must
present
that
information.
with
the
government
when
it
is
created.
A
There
are
some
good
reasons
for
that.
Obviously,
the
government
needs
to
know
how
much
tax
each
company
is
going
to
pay.
It
also
needs
to
know
what
type
or
how
many
businesses
there
are
in
each
jurisdiction
so
that
it
can
ensure
that
all
businesses
are
legal
and
it
also
needs
to
know
what
kind
of
business
of
his
is
it,
and
does
he
have
any
kind
of
legal
problem
that
they
know
who
to
contact
how
to
also
handle
that
conflict.
A
So
we
will
start
talking
about
tax
documents
for
the
federal
and
state
government.
Then
we
are
going
to
talk
about
the
certificate
of
organization.
Perhaps
you
have
heard
it
as
articles
of
incorporation
and
the
are
synonyms.
Finally,
we
are
going
to
the
certificate
of
bea
and
why
should
they
have
a.
A
Good
one,
the
first
step
in
filing
your
business
with
the
government,
is
to
apply
for
and
obtain
a
federal
tax
ID,
which
is
called
a
nn
which
translates
to
emperor
identification
number.
It's
like
a
social
security
number
only
just
that
for
companies.
It
is
the
government
uses
to
connect
your
business
information,
especially
your
taxes.
A
You
can
apply
the
application
process.
No,
it
is
not
that
complex.
You
apply
online
with
the
irs.
There
is
a
very
important
point
here
that
I
would
like
to
make
a
note
of
is
that
today.
Nowadays,
unfortunately,
there
are
many
scammers
everywhere
and
also
online.
So
you
have
to
be
careful
if
you
have
any
doubts
about
how
to
present
your
business
to
the
government,
because
there
is
no
fee,
there
is
no
cost
to
obtain
and
then
do
not
pay
under
any
circumstances.
A
What
you
will
need
to
get
that
number
is
actually
a
social
security
number
and
a
business
address,
but
Also
don't
worry
if
the
business
doesn't
have
a
physical
business
education.
Yet
because
the
address
that
the
going
to
is
required
with
the
application
is
a
mailing
address
so
that
it
is
there
to
be
done,
they
need
to
contact.
A
It
is
not
to
verify
if
you
are
physically
doing
business
in
that
location
So,
you
don't
have
to
worry
about
that,
too,
well,,
and
there
is
the
second
step,,
the
second
step,,
which
is
to
request
a
tax
certificate.,
but
for
the
state
in
our
case
here
in
massachusetts,
it
would
be
through
max
+
tax
connect,
which
is
an
online
service
of
the
state
of
massachusetts.
All
companies
in
massachusetts
must
register
with
masters
with
act.
A
If
you
do
not
file
that
application,
you
will
not
be
able
to
legally
pay
your
taxes,
In
totality,,
which
causes
serious
legal
problems
in
the
future,.
Then
here
is
another
important
note
that
this
step
must
be
done
yes
or
yes,.
As
with
the
federal
tax
identification
,,
the
Massachusetts
state,
tax
certification
and
in
a
free
and
online
registration
system.
So,
they
don't
have
to
pay
anything
to
file
their
tax
statement
with
the
state,.
A
All
they
have
to
do
is
have
a
social
security
number
and
a
business
address
,,
but
just
like
in
the
previous
positive
life,
well,.
There's
another
interesting
point,
because
that
one
should
concern
us.
in
declaring
federal
and
state
tax
taxes
good,
because
in
almost
everything
not
acceptable,
they
are
presented
forced
to
pay
taxes
on
your
income.
A
A
A
A
In
fact,
I
am
using
it
as
a
certificate
of
organization
n
because
in
the
form
with
the
companies
present
as
an
llc
for
limited
liability
corporation,
that
is
the
most
common
type
of
business
for
small
businesses.
No,
if
you
are
trying
to
form
a
different
type
of
organization
like
a
corporation,
for
example,
a
non-profit
organization
You
will
need
to
submit
a
different
type
of
form,
but
the
process
would
be
much
the
same.
To
apply
for
a
certificate.
A
You
should
apply
online
at
the
Massachusetts
Secretary
of
State's
office,
Before,
applying
for
your
organization
certificate,
Make
sure
you
have
received
your
federal
or
statutory
tax
ID
in
the
one
we
talked
about
in
the
previous
positive
two
days,
whether
or
not
without
that.
In
fact,
you
can't
present
or
apply
for
a
proper
certificate
of
organization.
A
You
also
have
to
have
a
social
security
number
and
a
business
mailing
address
and
the
last
and
step
4.
The
last
step.
It
would
be
to
have
a
see
certificate
because
in
English
it
means
to
invest.
Rsas
in
Spanish
would
be
doing
business
as
it
is
a
certificate
that
allows
you
to
do
business
using
the
name
of
your
business
instead
of
doing
it
yourself,
or
it
means
that
you
can
write
checks
and
open
a
bank
account
in
the
name
of
your
business
instead
of
name
action.
What
more
important
than
business
statements?
A
They
are
legally
required
by
most
towns
and
cities
in
massachusetts.
That
is
because
the
presentation
of
the
business
certificate
helps
cities
and
clients
identify
the
business
owner
if
they
have
any
type
of
legal
dispute
without
the
business
certificate.
Your
business
does
not
comply
with
local
trade
regulations
and
you
will
be
fined
for
not
filling
out
or
then
with
editorial
withholding
recommended
I
recommend
you
apply
for
a
business
certificate
as
soon
as
you
can
before
you
have
customers
yet
to
receive
a
business
certificate.
A
Company
must
file
a
certificate
with
its
local
town
or
city
gener
Usually
through
their
website
the
business
certificate
request
of
the
companies.
If
given
by
a
public
doctor
notary
in
the
end,
you
can
not
send
it
simply
with
their
name
and
in
many
cities.
Normally
that
platform
will
be
close
or
on
average
it
would
be
65
dollars.
A
And
Another
point
to
pay
attention
to
is
that
many
companies
are
confused
about
commercial
certificates
that
we
talked
about
a
little
while
ago
with
duty,
that
is,
I
need
an
organization
certificate
or
a
business
certificate,.
If
I
already
have
a
company
certificate,,
you
need
to
request
an
organization
certificate,.
A
A
Good,
so
we
already
completed
the
first
part
where
we
talk
about
state
taxes,
and
now
we
go
to
the
next
next
section.
Where
we
talk
about
licenses,
that's
different
from
filing
taxes
to
deal
with
is
the
license
is
not
just
notifying
the
government
of
the
existence
of
your
business.
Instead,
the
license
ensures
that
you
are
conducting
your
business
legally.
A
Some
of
them
are
necessary
for
specific
industries,
but
all
of
them
are
important.
The
first
type
of
license
with
which
we
will
start
today
may
not
be
necessary.
Rio
for
all
companies
is
strange,
extremely
important
to
many
of
these
zoning
and
land
use
permits
are
permits
issued
by
local
governments
to
regulate
construction
difficult,
and
there
is
good
reason
for
that.
Right,
commercial,
construction
and
contracting
are
things
complicated.
A
Everyone
involved
will
need
to
remain
safe
and
secure,
but
even
after
construction
is
complete,
so
it
is
important
to
stick
with
the
rules
and
adhere
to
local
rules,
massachusetts,
zoning
and
building
environment.
The
zoning
process,
the
land
use
permit.
It
can
be
a
bit
complex
then,
which
type
of
construction
work
should
be
covered
by
a
zoning
permit.
A
Maybe
you
are
wondering:
is
it
in
fact
you
don't
need,
for
example,
if
you
have
one
to
install
a
cash
register
or
have
a
sofa
right,
nalda
cafes,
you
don't
need,
but
if
you
are
going
to
do
something,
if
you
Do
you
have,
or
are
you
going
to
do
any
type
of
ongoing
construction
that
affects
the
type
of
building
the
business
is
located?
In?
Yes,,
you
would
need
a
sun
permit.
Land
use,
permit.
A
Separately.
zoning
forms
are
filed
online
with
your
local
city
government
county
government,
sometimes
in
some
cases
online
a
short
form
for
minor
projects
and
a
long
form
for
construction
projects
with
more
major
changes,
each
different
business
project,
as
they
I
said
recently,
you
should
check
with
your
local
government
for
better
guidance
on
what
type
of
application
you
should
submit.
A
So
what
is
the
easiest
solution
in
that
case
before,
before
you
have
any
type
of
contract
with
any
type
of
decision
or
even
sign
a
lease?
We
recommend
that
you
check
if
the
zoning
of
your
building
and
land
use
permits
anders
not
to
make
a
lease,
so
you
are
always
always
keep
in
mind.
Did
not
have
that
headache
well,
step
2
is
the
building
permits.
The
building
permits
are
different.
The
significance
permits
l
zoning
permits,
grant
permission
to
change
the
type
and
function
of
a
building
or
part
of
a
building
building
permits.
A
A
Finally,
step
3,
we
have
different
operating
permits
that
are
important
for
different
types
of
business
and
there
it
would
depend
on
your
industry.
First,
there
are
health
permits,
those
are
issued
by
the
inspection
services
division,
the
city
government.
There
are
companies
that
have
specific
industries
like
food
service,
restaurants,
if
you
have
some
kind
of
office
of
such
or
salon
that
would
fall
under
this
case.
A
A
A
An
important
license
that
I
would
like
to
talk
about
today
is
the
child
care
program
license
that
license
needed
for
companies
that
ask
for
services
early
childhood
education
and
child
care.
If
you
have
for
the
soon
that
guarantees
that
child
care
is
operated
in
a
place
in
a
safe
environment
for
children
and
for
employees
also
by
people
who
have
adequate
training
to
care
for
a
group
of
videos.
A
Well,
when
new
entrepreneurs
begin
to
investigate
the
startup
process,
your
business,
there
are
some
critical
steps
that
must
be
taken.
The
way
you
think
about
all
these
processes
is
like
a
conversation.
I
am
going
to
tell
you
the
questions
that
your
business
should
ask
to
answer
as
an
entrepreneur
and
I
will
explain
the
best
ways
to
answer
them.
We
will
start
by
defining
and
discussing
a
business
plan,
that
is,.
It
is
a
business
plan
ios,
and
what
information
should
you
try
to
convey
in
one
and
what
is
most
important?
A
How
should
you
think
about
the
details
of
your
business
while
preparing
that
plan?
Well,
then,
we
go
back
to
the
beginning
where
we
talk
about
the
product
and
how
it
is
produced.
Now
we
go
a
little
deeper
in
that
and
we
think
how
we
talk
about
our
product
with.
We
are
writing
a
business
plan
or
presenting
our
idea,
for
example,
a
lender,
or
we
are
talking
with
an
investor
investor
in
any
business
plan,
we
will
need
to
have
some
very
basic
things.
For
example,
what
is
the
product?
A
It's
an
item,
it's
a
service
and
it
can
actually
be
if
you're,
if
you
work
with
technology
software-
and
it
can
still
be
an
idea
and
also
where
it's
produced
in
a
way
the
part
of
scotland
origin.
Is
it
manufactured
in-house
by
you
by
your
employees
or
is
it
imported
or
is
it
a
service,
then
all
questions
should
be
answered
in
your
business
plan.
Of
that
is
a
point
well
initial
and
very
basic,
and
coming
back
it
comes
to
talk
a
little
about
the
process.
What
kind
of
questions
should
someone
when
planning
your
process?
A
A
A
A
And
there
is
also
the
last
part,
a
promotional
part,
such
as
promotion,
asencio,
use
of
social
networks
use
the
recommendation
of
relatives.
You
use
social
networks
that
mix
everything,
so
you
have
to
process
I
think
they
are
I.
Think
you
have
to
think.
It
is
very
important
that
you
think
about
those
three
in
those
three
main
questions.
A
I
would
also
like
to
explain
that
a
bit
with
some
Real
examples,
in
fact
I'm
going
to
talk
about
two
here.
They
also
have
a
reference
for
others,
and
their
business
is
always
to
do
some
kind
of
service.
They
are
working
with
technology
and
different
industries,
sell
different
products
and
have
different
processes
also
to
connect
with
customers,
for
example,
they
use
the
first
example.
If
I
sell
tacos,
I
probably
produce
the
tacos
in
a
commercial
kitchen,
and
hopefully
they
are
not
imported,
because
also
we
are
not
going.
They
would
be
so
rich.
A
So
what
is
the
process
of
connecting
my
tacos
with
the
taco
eaters
on
the
customers
and
al
manco?
Maybe
in
my
restaurant
customers
can
come
in
and
order
from
the
counter,
or
maybe
I
also
fresh
pick-
gida
delivery
through
an
app
like
dordain
show
over
its
and
notified
customers
that
my
tacos
are
available,
or
that
part
of
advertising
on
social
media
and
also
in
my
store
window.
A
But
if
we
think
of
one
in
a
different
industry,
an
industry
of
production
where
I
am
producing
a
consumer,
good
I
cannot
produce
soccer
balls
that
I
produce
mixed.
In
the
same
kitchen,
as
soccer
balls
are
normally
produced
abroad
and
imported
to
sell,
but
it
is
too
expensive
to
operate
a
physical
store
just
to
sell
soccer
balls
instead,
maybe
I
sell
it
online
and
delivered
to
customers
via
a
cold
carrier
like
there
are
many.
You
know
the
postal
service
too,
but
similar
to
the
taco
shop
online,
ads
social
media
that
Nowadays
it
is
very
important,.
A
That
is
why
I
keep
repeating
it
and
I
strongly
advise
that
if
you
do
not
have
a
profile
on
social
networks
that
you
start
to
investigate
a
little
more
about,
it
then
identify
the
elements,
the
different
elements
of
the
process.
In
that
way,
I
know
it
can
not
be
a
bit
repetitive,
maybe
tedious,
but
it
is
very
important.
It
is
essential
to
understand
the
complete
life
cycle
of
your
product
from
the
part
of
the
production
and
how
it
happens.
A
A
So
what
is
it?
a
revenue
model,
not
how
we
turn
a
product
into
a
business
process
into
profits,
how
we
c
onverts
the
money
you
spend,
producing
your
product
into
more
money.
Let's
say
profit,
which
is
everyone's
goal.
A
revenue
model
explains
how
you
will
make
a
profit.
The
way
you
will
set
up
your
business
so
that
you
can
charge
your
customers
enough
to
cover
everyone,
your
costs
and
leave
a
video
of
that.
A
So
how
do
we
build
if
we
talk
about
a
good
income
model?
The
answer
to
that
question
is
how
we
plan
our
crisis
model.
Here
are
four
very
simple
steps.
The
first
is
to
return
again
to
that
initial
question
of
how
what
it's
my
product
don't
identify
the
product,
so
I
have
a
product
or
service
that
people
are
willing
to
pay
me
for
without
a
product
there
is
no
business,
but
because
people
are
willing
to
pay
for
that
service.
Your
product
has
value
because
it
does
something
for
other
people
than
makes
it
desirable.
A
A
A
Cash
is
not
that
the
trajectory
that
has
always
existed
in
many
many
many
years
since
the
world
began,
but
today
there
is
a
little
more
than
let's
say
options
so
that
part
4
of
the
payment
we
can
be
talking
about
cash,
debit
or
credit
card
and
what
it
is
and
what
happens
with
the
business
model.
Specific
entertainment
within
makes
more
sense
to
have
someone
pay
you
full
price
now,
or
should
you
split
the
payment
into
installments,
like
you
would
for
a
car
or
a
house
when
the
customer
pays
you
when
they
receive
that
product,
I.e.
A
A
That
idea
is
the
single
income
story,
with
a
with
a
flower
business
and
tomorrow,
what
For,
example,
I
am
the
owner
of
a
basic
flower
tub,
and
so
my
products
are
fresh
and
local
flowers.
Once
the
cultivation
process
is
complete,,
I
harvest
and
pack.
My
flowers,
I
need
to
sell
my
clients
that
way,.
So
what
is
the
value
of
the
flowers?,
because
people
pay
to
put
flowers
and
flowers
outside?
A
N't
get
in
the
park,,
but
the
price
is
what
people
are
willing
to
pay,,
not
the
three
dollars,:
that's
what
customers
are
willing
to
pay
per
flower
for
Everything
that
the
social
part
talks
about
is
going
to
give
a
special
gift
for
the
girlfriend
for
his
wife
for
his
son
for
his
daughter,
something
like
that
then,
and
at
the
end
point
when
we
think
about
the
man
or
how
I
receive
the
payments.
My
clients
pay
me
cash
for
my
flowers
when
they
buy
on
time.
A
So
yes,
they
pay
me
cash
there,
but
maybe
I'm
a
smart
florist
too.
I
want
to
make
sure
my
customers
come
back
every
month,
n
or
just
for
a
special
occasion,
and
so
I
could
offer
some
online
subscription
service,
so
my
clients
can
pay
a
monthly
fee.
I
would
give
them
all
flowers
per
month.
So
in
that
case
they
accepted
the
cash
payment
and
accepted
those
those
fees
also
electronic
subscription.
What
that
increases
revenue
and
also
makes
the
business
more
profitable.
A
A
And
what
do
we
want
to
answer?
Next?
of
conducting
a
financial
feasibility
exercise
is
in
fact
masters
asking
if
the
business
is
economically
possible
and
attractive,
a
business
that
is
considered
economically,
viable
or
financially
feasible
is
self-sufficient,
sustainable
or
able
to
make
a
profit,
or
at
least
not
run
out
of
money
entirely
without
the
need
for
cash
injections
such
as
loan
or
grant
capital
already
going
up,
are
grants,
but
what
makes
something
economically
attractive?
A
We
can
also
ask
extractives
so
that
in
designations
we
refer
attractiveness
to
people
who
do
business
with
you,
business
partners,
investment
banks
that
offer
loans
and
organizations
willing
to
provide
grants.
If
your
business
is
attractive
for
those
people,
it
is
because
the
business
is
proven
that
I
can
make
a
profit.
A
So,
for
you
to
understand
the
financial
feasibility,
you
must
understand
the
profit
when
money
flows
into
the
business,
because
customers
are
paying
for
those
products.
It
is
not
earning
those
are
in
income,
the
income
flows
in
the
business
and
you
subtract
from
the
production
costs
of
your
product,
such
as
work
fashion,
equipment
materials,
the
money
that
remains
after
deducting
your
costs
and
there
if
it
is
profit,
but
we
can
also
think
of
that
in
an
inverse
way.
A
If
you
add
the
amount
total
of
your
costs
and
then
add
that
the
amount
of
profits,
the
total
amount
you
are
covering,
is
your
presumed
self.
If
you
price
your
items
that
way,
thinking
of
profits
and
costs
and
through
unit
price,
you
set
the
price
of
your
items
that
way
way.
Then
they
are
guaranteed
to
make
a
profit,
but
also.
A
D
to
evaluate
the
financial
viability,
we
like
to
think
about
the
optimal
point
of
the
small
business
enterprise
and
it
is
to
that
diagram
that
they
can
see
er
on
the
screen.
We
have
long-term
income
on
the
left.
That
starts
at
zero
and
in
theory
the
income
is
unlimited
because
you
can
go
on
forever,
but
that
won't
happen
because,
as
income
increases,
we
hit
our
first
limit,
which
is
the
cost
limit.
As,
you
can
see
below,
if
your
income
is
less
than
the
cost
limit,.
A
That
means
that
you
are
not
bringing
in
enough
money
to
pay
your
costs
and
the
business
consequently
loses
money,.
You
do
not
lose
money,.
Your
income
must
be
above
the
cost
limit,,
as
you
can
see.
in
the
graph
now
to
show
that
they
are
not
or
is
generating.
Some
type
of
income
means
the
top
of
the
red
line
to
the
first
line,
then
the
cost
limit
of
that
lower
red
line,
and
if
your
income
is
less,
that
means
no,
they
are
bringing
enough
for
the
company
above
the
extra
cost
limit,.
A
The
second
limit
and
the
capacity
limit,
that
is,
the
limit
of
capacity
prevents
their
income
from
growing
more
and
why
does
that
happen,
that
is,?
Let's
say
that
I
manufacture,
other
cars
and
I
can
only
manufacture
10,.
It
will
be
me,.
My
goal
each
year
is
to
sell
all
those
cars
at
a
price
that
is
higher
with
my
costs,,
but
but
In
other
words,.
A
What
happens
if
I
have
100
people
who
want
to
buy
my
cars,
I
will
obtain
income
from
100
people,,
not
because
that
is
also
the
business
capacity
that
I
have
in
factories,
that
is,
it
is
difficult
to
expand
and
there
is
a
space
limit,
sometimes
of
people
or
sometimes
of
capital.
For
that
reason,
your
income
is
also
limited
by
capacity,
so
as
long
as
it
can
be
financially
feasible.
As
long
as
you
take
more
income
than
you
spend
on
expenses,
you
can
make
a
profit,
as
we
saw
thinking
about
the
cost
limit.
A
If
it
exists
within
that
green
face
where
the
business
is
profitable
and
you
business
owners
can
earn
a
sustainable
income
from
this
profit,
then
there
is
financial
viability
for
now
at
least
s
financial
viability.
In
the
long
term,
we
could
call
it
sustainable.
Also,
financial
sustainability
will
depend
on
using
the
capacity
and
using
the
profits
that
are
generated
today,
to
guarantee
that
the
business
will
continue,
generating
profits
in
the
future
and
thus
had
financial
viability
as
well
in
the
long
term,,
not
only
in
the
short
term,.
A
So
you
always
have
to
think
with
those
lenses,
that
is,
with
that
idea
of
the
cost
limit,
eliminate
disability,
I'm
in
the
green
box,,
yes
I
am,.
So
how
can
I
maintain
my
earnings
over
time?
No,
maybe.?
It
is
using
part
of
the
profits
to
grow
the
business
and
a
strategy
appears.
That
is
not
the
point,
and
it
says
about
that
presentation
of
that
workshop
and
that
then
we
close
that
part
of
we
close
with
a
business,
plan,
income
model
and
also
financial
viability.
A
So
yes,
yes,
you
put
that
you
could
have
an
income
model
that
works
a
living
and
getting
financial
viability
can
be.
You
still
don't
have
everything
you
need
to
get
started.
No,
maybe
your
business
needs
financing
financing.
You
don't
need
any
outside
capital,
so
you
can
get
started.
What
is
that
we
are
going
to
talk
about
now?
A
No,
they
finance
seed
funding
shares,.
It
is
the
money
you
need
to
start
operating
your
business
and
you
all
have
gone
through
that
process,,
you
know,.
All
companies
require
money
up
front
to
start
operating,.
There
is
no
zero
risk
business
where
the
owner
does
not.
You
need
to
put
nothing
to
start
so
where
we
get
money
to
start
to
start
the
business.
There
are
three
traditional
routes.
A
Let's
say
one
that
is
the
most
common
are
personal
savings.
There
is
also
and
the
possibility
of
private
loans
and
grants
that
would
be
option
2
and
3
in
that
store
in
that
diagram.
Each
of
those
options
represents
a
compensation
if
you
do
not
use
other
personal
similar
to
a
business
or
if
you
use,
in
fact,
you
do
not
have
to
return
the
money
to
the
bank,
but
at
least
you
can
use
that
savings
and
buy
something
else
like
a
house.
A
What
do
you
want
to
do
some
type
of
cost
or
some
type
of
purchase?
Personal
proof?
If
the
subject
is
obtained
a
bank
loan,
then
it
is
not
limited
by
the
capacity
of
its
savings,
but
that
it
has
risk
of
the
bank
and
they
also
have
the
part
of
the
interest
rate.
It
is
possible
that
it
is
not
necessary
to
repay
the
grants,
but
the
money
from
mention
is
limited.
It
is
difficult
to
find
as
well
and
it
can
be
very
competitive
in
a
business,
so
you
have
to
take
into
account
all
these
options.
No.
A
My
idea
is
also
to
show
you
that
they
have
multiple
tools
in
your
street
really
syndicated
of
tools.
It
is
not
possible
that
in
this
case
there
are
different
uses
for
each
for
different
types
of
capital.
There
is
no,
we
can
be
the
hammer
the
screw,
so
each
one
has
ne
The
need
has
another
point
that
we
are
not
going
to
cover
here,,
but
the
risk
that
they
are
willing
to
take
is
also
the
point
of
getting
that
capital
in
a
bank,,
not
as
I
said,.
A
So
how
do
you
use
it?
and
that
issue
financing?
We
talk
about
the
options
that
personal
savings
some
loan,
but
read
how
you
use
that?
Not
what
for
what
expenses
are
that
normally
used
for,
and
there
are
three
main
categories
first,
there
are
the
initial
costs,
the
things
you
need
to
start
your
business
and
to
be
ready
to
operate.
Many
businesses
also
end
up
using
loan
or
grant
money
to
finance
their
first
few
months
of
operation,
which
is
the
circular
sign.
A
It
is
common
knowledge
that
many
small
businesses
will
not
make
a
profit
during
their
first
few
months
or
years
of
operation,
so
have
that
body
antilles
can
help
a
lot.
In
that
case,
you
can
partly
use
initial
financing
the
initial
financing
to
finance,
while
that
profitability
arrives,
but
again,
remember
the
part
of
financial
viability
and
the
part
of
making
sure
that
you
are
doing
exercises
to
see
if
the
business
is
sustainable,
also
in
the
future.
And
finally,
it
is
in
the
part
property
of
the
equipment,.
A
Perhaps
your
business
needs
a
machine
or
vehicle
for
the
operation
and
then,
if
you
have
any
property
or
equipment
in
that
case,,
you
may
have
to
make
an
initial
capital
contribution.
That
may
be
a
little
more
important
and
they
could
also
use
that
The
initial
part
is
that
initial
contribution
to
pay
those
costs,
as
I
told
you
before,
each
time
it
is
different,,
each
one
will
have
to
use
their
initial
financing
in
a
different
way.
A
Well,
now
we
close
that
part
where
we
talk
about
business
planning
and
specially
installed
to
learn
about
the
questions.,
that
you
must
respond
as
an
entrepreneur
who
owns
the
business.
I
enjoy
thinking
about
starting,
not
thinking
about
starting
your
company
and
what
are
the
ideas
and
what
are
the
questions
that
you
should
ask
in
order
to
achieve
a
result
or
have
less
risk
in
overcoming
it?.
A
Then
it
is
divided
into
four
four
parts:
four
main
topics:
business
insurance
goes
banking
for
business,
business,
accounting
and
resources
and
staffing
and
human
resources.
Those
may
sound
so
interesting,
but
having
a
strong,
robust
system
to
run
your
business,
the
operation,
the
money,
the
people
and
the
products
is
critically
important.
Make
your
business
resilient
and
more
likely
to
succeed
in
the
long
term
it
has
not
always
and
that
we
also
have
that
long-term
mentality,.
A
We
want
to
do
something
that
takes
us
towards
the
long
term
that
we
can
have
many
many
years
of
business,,
so
we
will
start
with
good
insurance,.
Just
like
people
need
health,
insurance,,
car,
insurance,
and
home
insurance
to
protect
itself
and
property.
Businesses
need
people
insurance
to
their
mind
and
their
property.
There
are
many
types
of
business
insurance.
First,
we
have
general
liability
insurance,
even
if
no
other
type
of
insurance
exists,
insures
of
getting
general
liability
coverage
that
is
going
to
bring
about
the
business
of
accidents,
unforeseen
incidents,
legal
conflicts
and
errors,
for
example.
A
Yes,
yes,
if
we
are
here
in
massachusetts-
and
you
know
that
ice
forms
in
front
of
here-
so
if
you
forget
for
some
reason,
remove
that
ice-
that
formed
in
front
of
his
trembles,
the
client
due
to
bad
luck,
falls
and
breaks
the
stone
or
t
you
have
some
type
of
physical
problem
with
having
some
type
of
accident.
General
liability
insurance
will
help
cover
your
medical
bills,
but
general
liability
coverage
does
not
protect
everything.
A
Some
businesses
may
need
business
income
insurance
to
protect
your
financial,
pcs
business
if
a
key
piece
of
property
or
equipment
is
damaged,
for
example,
if
a
fire
damages
the
gift
shop
and
it
cannot
open
until
it
is
repaired
that
business
income
insurance
can
help
protect
your
business
from
bankruptcy
while
not
their
clients
can
take.
So
it
gives
you
that
breather
no,
this
type
of
insurance
makes
sense
for
certain
companies
that
have
a
higher
risk
profile
than
the
other
reproductions,
a
restaurant
or
companies
that
have
only
one
machine
or
equipment
to
operate.
A
Perhaps
that
is
very
interesting
to
have
into
account
and
consider
service
companies
such
as
a
dentist's
office
may
need
a
se
professional
liability
insurance
that
protects
your
business
from
services
being
performed
incorrectly.
For
example,
if
you
are
a
dentist
and
you
pull
out
the
wrong
tooth,
your
professional
liability
insurance
policy
probably
won't
cover
you,
but
may
cover
situations
where
a
client
sues
for
negligence.
A
So
yes,
if
you
are
interested
also,
if
you
do
not
have
insurance
and
would
like
to
look
for
one,
what
are
the
steps
that
I
recommend
not
as
in
four
tips
that
we
recommend
to
people
who
continue
to
look
for
insurance
well,
first,
is
to
understand
the
risk,
because
insurance
is
always
very
close.
Walk
very
close
with
risks
go
what
type
of
accident
or
liability
could
happen
today
to
what
type?
What
is
the
risk
of
happening
an
event?
Secondly,
find
an
insurance
agent
who
can
help
advise
on
policies?
A
Thirdly,
choose
one
that
suits
you
budget
and
your
requirements
and
keep
in
mind
that
while
insurance
can
be
expensive,
the
legal
fees,
for
example,
the
let
downs
on
the
property
would
be
much
higher
and,
in
the
end,
always
assess
your
needs
each
year.
Perhaps
you
bought
a
new
property
this
year
that
is
not
covered
by
your
previous
policies,
update
the
polices,
the
places,
the
insurance
policies
as
your
business
grows,
so
6
always
keep
in
mind
that
your
insurance
is
going
to
grow
with
it.
A
Then,
in
a
business
bank
account,
it
is
very.
It
can
be
very
similar
to
a
personal
bank
account.
It
can
be
a
checking
account
a
savings
account.
A
credit
account
probably
comes
with
some
card,
and
it
definitely
allows
you
to
send
and
receive
payment
from
your
business
customers.
If
you
use
business
bank
accounts
to
pay
business
expenses,
but
a
business
bank
account
will
also
record
your
transactions
and
make
sure
you
comply
with
the
law
in
the
way
that
brother
in
which
the
money
of
your
business
is
handled.
A
So
you
must
always
think
also
that
we
are
keeping
legal
in
compliance
with
a
way
that
we
handle
in
Seville.
The
legal
point
of
view
is
very
important
also
to
have
good
use
in
different
types
of
accounts
for
different
things.
A
business
checking
account
as
it
is
similar
to
a
a
personal
checking
account
as
it
allows
you
to
write
checks.
Money
is
transferred
between
accounts,
business,
credit
account
can
be
similar
to
personal
credit
account,
but
perhaps
with
higher
credit
limits,
a
business
line
of
credit
can
be
used
to
pay
bills.
A
Business
expenses,
in
a
credit
account.
Each
of
these
accounts
are
tools
all
those
that
are
listed
there.
Business
checking
business
savings,
business
credit
are
different
tools
that
can
be
used
for
different
things,
and
that
has
been
measured
by
the
example.
I
would
like
to
bring
them
here
so
that
see
the
possibilities
and
that
there
are
different
uses
for
each
one.
The
important
thing
is
this
saying
these
accounts
are
used
to
separate
your
commercial
transactions
from
your
personal
transactions.
That
is
the
main
point
in
having
a
bank
account
for
your
business.
A
So
think
about
what
you
need
to
open
an
account
for
businesses,
you
will
need
a
federated
tax
identification
The
one
we
are
talking
about
now.
I
have
been
here
for
a
few
minutes
and
his
certificates
of
organization.
These
documents
are
important
for
the
banks
to
verify
the
status
of
their
businesses
and
to
make
an
evaluation
of
the
credit.
Limit.
A
A
A
Good
for
you.
The,
commercial
accounting
account
is
important
to
make
sure
that
the
bank
you
choose
is
one
that
provides
the
services
you
need.
There
are
two
general
types
of
banks
for
companies.
the
traditional
banks
that
they
see
there
as
bermeo,
that
chels
ea
extra
main,,
which
are
the
classic
options
for
companies
with
many
transactions,.
A
A
And
there
are
options
like
blue
wing
mercury
that
are
here
there
were.
No.
Such
banks
offer
a
different
service.
No,
they
have
their
branches
or,
let's
say
physical,
no,
but
it
is
likely
that
your
online
business
can
perform
much
of
the
same
social
functions.
They
who
are
providing
you
almost
the
same
services.
A
No,
some
online
banks
tend
to
have
more
favorable
terms
for
account
holders
such
as
other
lower
rates
behind
temptation
or
even
promotional
issues
that
allow
a
pe
introductory
period
of
20,
and
there
are
civilian
options
that
it
would
be,
but
no,,
yes,
I
think
you
already
heard
it.
You
saw
it
somewhere
that
it
would
be
the
mix
between
the
average
between
a
traditional
bank
and
an
online
bank
that
performs
a
large
part
of
those
of
the
same
functions.
Just
like
you
put
in
lines,
capta
one.
A
A
bank
to
observe
the
activity
of
50
is
normally
not
enough
for
companies
that
need
they
place.
Financial
information
on
for
taxes
to
make
well-informed
strategic
decisions.
So,
in
addition
to
a
business
bank
account,
you
should
also
think
about
and
take
into
account
the
management
of
your
company's
accounting.
A
A
And
you
would
already
have
the
ledgers
online,
which
is
the
necessary
accounting
information,
the
account
activity,
information,
your
bank
records
are
important
to
keep
track
of,
but
it
is
also
difficult
to
use
and
understand
without
some
tools
to
interpret
the
meaning
of
that
information.
The
accounting
partner
business
makes
the
process
much
easier.
A
A
A
Your
business
accounting
software
should
automatically
record
your
transactions
and
capture
police
while
doing
so..
Your
accountant
should
also
be
able
to
generate
accounting
statements
such
as
a
balance
sheet.
For
example,.
If
you
want
to
see
the
status
of
your
business,,
these
are
not
most
important
financial
statements
for
companies
that
carry
out
strategic
analysis
on
their
finances.
For
example,
they
are
also
the
most
important
for
america,
things
like
payroll
and
also
taxes.
A
Well,
there
are
options,
many
options
today,
but
here
are
two
very
popular
and
in
fact
we
are
not
sponsored.
They
are
our
sponsored
by
quick
box
or
by
any
other
software
company,
but
but
nevertheless,
it
is
It
is
a
fact
that
the
online
accounting
draw
seeks
that
with
box
is
the
most
popular
villar
for
small
businesses,
and
many
argue
that
it
is
the
best,
but
there
are
also
other
options
like
franz
books
here
that
actually
perform
the
same
function
as
wimax.
A
When
exploring
the
different
options
for
business
accounting,
you
have
to
consider
consider
some
factors.
Well,
first,
you
connect,
you
have
to
think
if
they
connect
with
other
online
services,
such
as
bank
accounts,
and
you
have
a
system
use
of
that
without
connected
with
that,
but,
secondly,
the
price
makes
sense.
Many
of
these
services
offer
different
levels
of
subscription
Would.
It
be
interesting
for
you
in
the
full
service,
or
is
it
a
good
idea
to
continue
with
the
free
or
Mauritius
subscription,
while
your
business
is
very
small
I.
A
Take
these
questions
into
account
also
so
as
not
to
spend
a
lot
of
money
subscriptions
that
do
not
have
many
costs
associated
with
that
good.
In
the
last
point,
today,
I
am
going
to
talk
about
human
resources,
not
many
people
t
They
have
a
preconceived
conception
of
human
resources
as
boring
and
tedious,
and
it
can
be,,
but
especially
for
organizations
that
lack
a
deliberate
approach
to
managing
employees
and
people
independently
of
how
to
always
make
good
resources,.
A
It
is
a
critical
area
of
entrepreneurship.,
which
small
business
owners
should
be
actively
involved
with
for
our
last
session,
today's
section,
but
we'll
go
over
some
of
the
basics
of
hiring
and
managing
employees
for
your
business.
So
you
can
achieve
success,
and
here
we
also
talk
about
some
steps
to
hiring
new
employees.
A
Well,
unless
your
business
is
a
true
one,
man
business
where
it's
just
you
in
the
business,
your
business
will
eventually
need
new
employees
at
some
point
to
increase
the
ability
to
help
and
help
increase
revenue.
Contracting
new
people
is
one
of
the
main
strategies.
Small
businesses
are
used
to
grow
like
a
business
is
used
to
hire
new
workers.
A
First
make
sure
you
have
registered
your
business
with
one
of
the
state.
Labor
regulators
state
in
massachusetts
would
be
the
state
department
of
revenue
where
you
are
where
you
have
to
register
as
an
employer
and
later,
where
you
register
one
of
your
employees
ends.
You
must
also
register
your
business
with
the
unemployment
assistance
department,
where
you
register
for
unemployment
insurance.
You
must
be
covered
by
unemployment
insurance
by
law.
The
second
step
point
2
is
to
register
in
worker's
talk
insurance.
That
insurance
policy
will
cover
you
in
case.
A
One
of
your
future
employees
needs
to
claim
worker's
compensation
for
damages
suffered
in
our
third
step.
You
will
need
to
verify
the
relevant
documentation
of
each
of
your
new
employees,
which
includes
the
aina
form
and
the
ie9
that
verifies
citizenship
and
work
authorization
and
form
w
42
report
determining
how
much
federal
income
tax
to
withhold
from
each
paycheck.
A
A
No
some
very
large
checkouts,
like
wal
mart
target,
also
suffer
from
the
same
problem,
but
the
point
is
that
they
obviously
have
more
financial
capacity
to
raise
wages
or
in
Benefits,
for
the
situation
are
scarce,,
so
the
company
asks
for
different
companies
for
each
pro
A
business
owner
will
have
to
make
individual
determinations
about
the
pay
of
workers
to
affect
their
hiring.
Exodus
is
not
going
to
affect
their
success
in
hiring
good
people.
However,
there
are
some
guidelines.
A
Employers
should
focus
on,
regardless
of
the
general
state
of
the
company
economics,
to
turn
out
new
employees,
make
sure
you
have
a
clear
job
title
and
it's
the
first
point
you
see
here.
Many
employees
are
looking
for
something
online
and
that
the
title
will
greatly
influence
the
probability
that
they
even
discover
your
job
offer
too
and
clearly
delineate
the
responsibilities
of
the
position,
I.e.
what
tasks
the
employee
will
actually
need
to
complete.
In
addition
to
the
responsibilities
of
the
job,
there
may
be
skills
that
you
would
like
them
to
have,
e.g.
need
to
speak.
A
Multiple
languages
or
would
be
better.
If
you
have
previous
experience
in
a
similar
role,
how
many
years
of
experience
they
should
have?
One
thing
to
keep
in
mind.
The
point
is
that
great
employees
of
great
employees
can
often
rise
to
the
challenge
of
an
unfamiliar
job.
Just
because
someone
lacks
specific
experience
in
a
particular
task
doesn't
mean
they
can't.
A
A
Employees
may
be
in
between
choosing
different
job
offers
when
I
also
have
yours,
because
this
makes
your
company
more
attractive
compared
to
the
multiple
positions
that
are
applying
that
receive
offers.
If
you
cannot
offer
as
much
pay
as
your
competitors,
then
we
have
to
think
about
other
things
in
society.
There
are
benefits
of
working
for
this
beyond
of
the
silver
check,
but
most
of
e
employees
also
value
work
where
healthy
and
enjoyable.
A
A
A
There
are
multiple
ways
to
promote
your
job,
opening
new
hires,
one
of
the
most
important
tools
of
an
online
job
board,
how
to
indicate
spending
those
are
the
maybe
they've
already
heard
about
injury
distance,
although
put
something
in
there
a
career
opportunity
and
those
are
the
most
popular.
These
platforms
can
be
very
helpful
in
connecting
with
thousands
of
potential
employees
percent.
If
you
don't
want
to
be
so
optimistic,
but
a
lot
of
small
businesses
are
struggling
to
get
noticed
on
big
platforms
when
sometimes
they
have
starbucks
or
poor
competition,.
A
That
is
why
it
is
also
important
to
promote
a
job
offer
so
that
they
can
stand.
Out.
One
way,
for
example,
is
to
compete
in
a
group
of
employers
that
is
smaller
and
more
specific
to
their
usual
local
programs..
Local
employment
in
schools
and
non
-profit
corporations
can
offer
online
job
board
where
they
can
also
appeal
to
employees.
Looking
for
work,
the
most
important
thing
is
that
you
communicate
through
your
staff
network
to
find
employees
who
can
be
connected
with
people
they
know
and
who
they
trust.
A
Fear,
for
example,
can
someone
recommend
a
friend
family,
member
or
former
coworker
who
have
good
grades
and
that
you
are
looking
for
that
already
helps
a
lot
in
the
search
process,
and
here
is
more
ryder
as
an
example.
But
there
are
many.
There
are
many
employment
schools
that
there
are
also
and
the
personal
network.
The
term
is
very
important
because
Lastly,
there
is
one
or
the
other
option,,
which
is
the
most
traditional
way
of
putting
a
sign
outside
your
store,
asking,
saying
that
they
need
help.
A
A
There
are
many
requirements
to
hire
and
manage
employees,,
including
the
way
in
which
their
payments
are
managed,,
benefits,,
free,
time,,
the
hiring
of
the
dismissed
has
the
presentation
of
documents
so
that
they
occurred.
That
does
not
matter,,
although
no
tool
can
command
all
those
functions
with
this
is
the
software
and
law
of
online
human
resources
can
help
automaton
how
to
automate
the
process.
There
are
many
companies
that
offer
that
package.
A
Let's
say
here
are
three
popular
companies
gusto
page
taxi
from
white
win,
who
provides
in
this
type
of
assistance
for
employees
on
incorporation,
employees
paid
time
off
and
the
part
of
filing
taxes
or
the
declaration,
both
state
and
federal
taxes.
Any
small
business
that
hires
employees
should
investigate
those
services,
invest
in
tools
that
can
make
life
as
an
employee
easier
for
the
business
owner,
because
you
have
done
a
lot
of
business
and
you
are
going
to
have
a
business.
You
have
a
lot
to
worry
about
and
that
shouldn't
be
a
concern.
A
Well,
we
have
reached
the
end
of
the
presentation.
Thank
you
very
much
for
staying
until
the
end
in
a
video.
We
hope
that
this
information
is
very
useful
for
you
in
the
setting
up
your
new
business
or
with
some
information.
If
you
already
had
a
business
that,
if
you
had
any
questions,
I
really
hope
I
have
helped
and
to
work.
A
I
know
that
working
with
small
business
owners
can
be
very
challenging
and
unpredictable,
but
you
know
how
noble
it
is
to
have
your
own
business
and
we
we
wish
you
the
best
of
luck
in
your
business
and
if
you
are
interested
in
connecting
one
thing,
if
there
is
the
information
from
brad
pitt,
and
thank
you
very
much
and
again,
good
luck
with
your
business
and
I
hope
that
everything
that
we
present
here
has
been
interesting
and
has
been
and
I
hope
use.
Part
of
all
the
information
presented
here.
Thank
you
very
much.