Many small advertisers start with a sole proprietorship avoid the costs of forming a corporation or LLC. This is often a wise decision as statistics show that a majority of small businesses lose cash for the first several years. Back in 2008 I received an appointment from ladies teacher who had got her tax assessment outcomes. She had also chosen early retirement in November 2007. Yes, you guessed right. she had taken the D-I-Y way to save money for her retirement. ...