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Dale Said:

How big should a business be before the owner finally delegates responsibilities?

We Answered:

It sounds like you are at that point. If it feels like too much, it probably is and if you are in the black, you can definitely outsource now.

If you are concerned about handling the legal aspects, book keeping, etc. of a new hire, you can go through a temp. agency first.

That way, you pay the agency and they handle payroll, etc. for their employee. The agency can coach you through it. You can always keep the person on, too, if it works out.

Jane Said:

How to start a very small cleaning business in Va?

We Answered:

Hi, Aubrey!
I clean small offices and have friends who do residential. You may or may not need a license. It is usually used to open a business bank account for your business, but mostly it is for the government so it can keep track of you and tax you. But, call your local city or county clerk's office and ask if a license (or fictitious name) or permit is required to have a cleaning business. If it isn't absolutely required, skip it for now.
But, having some liability insurance is a must. It will protect you against claims of damage and theft. These are usually false claims, but it's better to have the insurance company deal with than you. The price varies, so call a lot of insurance agencies and get quotes. Start with the lowest amount available, or that you are comfortable with. The agent can help you. Liability insurance is also a great selling tool in getting customers, and the agency you select may be able to give you leads.
I have more tips and resources on my Squidoo lens and blog. The links are in My Profile.
Good Luck!!

Bruce Said:

What's an acceptable amount of $$$ I should be making when I obtain my Property & Casualty Insurance license?

We Answered:

I started out like that. Look, in order to BE a CSR, you need to have that license. So I can hire a licensed CSR with less than three years licensed, for anywhere from $18,000 to $22,000 a year.

Generally, you're going to make your big jumps in pay, by moving to another agency - you're NOT going to see the raises there. And you'll make more doing commercial lines, than personal lines. You make more with larger accounts (revenue over $50,000) than smaller accounts.

But you CAN'T rush it. You have to have the skills and the knowledge base, to make each of these major transitions. You have to be GREAT with people, be able to follow up, make connections, create loyalty with your customers, etc. Will you be making $60,000 in ten years? Doubtful. But it IS a viable goal for 20 years from now (adjusted for inflation).

The BIG money in insurance, as in any industry, goes to the salespeople. It's all straight commission, and most people wash out, but they're the ones putting their wallets on the line. Big risk, big rewards.

www.salary.com is probably what you want to check out. You probably ALSO should work on getting as many designations as you can comfortably tuck under your belt. That will help, A LOT.

Roy Said:

Why don't people understand that small businesses will be going out of business with this healthcare bill?

We Answered:

when did you think that the Democrats run government that looked only at a small fraction on the people and never subtracted people like yourself from the over all equation that passed such an irresponsible bill ever gave a darn about your life and your job ever would care.