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The Zen Habits blog has an entry called Success is not a competition. In the process of running your business, do you worry about beating the next guy? Of course as a small business owner you have to worry about the big boys but do you think you have...
As I have mentioned many times, as a small business owner you have an advantage over the larger businesses because you can provide better and more personal customer service.
Most businesses have to accept credit cards these days. But accepting them also means you accept the responsibility of taking them and keeping the numbers same.