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Negotiating has become second nature to many people. You may negotiate discounts, better terms on your loan, or a bigger salary. In business, you may negotiate for products or services. But don't forget what you want from a negotiation. Several steps can help ensure your success. Use this guide to learn more about the preparation process, so you're ready when you get to the negotiating table.

The fourth quarter is a crucial time for businesses. This is the time of year when many businesses meet, exceed, or completely miss annual goals. If you want your business to end the year on a high note, there are some things you can do to prepare. From tax planning to evaluating your goals to marketing for the holidays, here's what you need to do to get your business ready for the fourth quarter.

The local Chamber of Commerce can be an invaluable resource for small business owners, helping them access educational opportunities; take a look at the resources available at Willoughby Western Lake County Chamber of Commerce. Here are some strategies to consider when you're ready to focus on building your financial literacy.