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Goverment Credit Card Debt Grants

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Goverment Credit Card Debt Grants document sample

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									Zipcode   Owner?            employees?        laid off? How       have Sales Expectations (values)
                   How many Layoffs? How many Reduced hours? many 2009 reduced hours
98034     Yes             5 No              0 No                0 up 20%
33766     Yes            11 Yes             2 No                0 down 33%
75002     Yes             6 Yes             3 No                0                                -30%
01226     Yes             4 No              0 Yes               3 -50%
66049     Yes            18 Yes             4 No                0 -38%
11238     Yes             1 No              0 No                0 not sure yet
91436     Yes           250 Yes             1 No                0 we pray that they will be equal to if not better th
86406     Yes            30 Yes             5 No                0                                -10%
38401     Yes            10 Yes             2 Yes               5 expect 5-10% drop
88310     Yes             3 No              0 No                0 Stay the same
49686     Yes             1 No              0 Yes               1?
10022     Yes            25 Yes             3 Yes              10 lower by 5 to 10 %
10022     Yes            25 Yes             3 Yes              10 lower by 5 to 10 %
06902     Yes             0 No              0 No                0 hopefully better, as 2008 was a disaster
97204     Yes             0 No              0 No                0 same
33426     Yes             2 Yes             1 No                0 2008 down 25% from 2007. 2009 may be down
97210     Yes           100 Yes            20 Yes              15 -30%
10538     Yes             9 Yes             3 Yes               4 10% contract
95841     Yes             1 No              0 No                0 205 growth
91730     Yes            25 Yes             2 Yes              25 30% less
10538     Yes             2 Yes             1 Yes               1 down by 25%
01930     Yes             7 Yes             2 No                0 contract by at least half.
m4m 2n8   Yes             7 No              0 No                0 ?? hard to say - I am guessing 25% drop
70707     Yes            14 Yes             1 No                0 contract 30%
10538     Yes             1 No              0 No                0 Remain Flat
60521     Yes             3 No              0 Yes               3 Not sure yet.
30324     Yes             1 No              0 Yes               1 Drastically
90230     Yes             1 No              0 No                0 50% contraction, maybe more, as 2008 was goo
45069     Yes            23 No              0 No                0 From our projections at this point and customer i
02860     Yes             2 No              0 No                0 We have increased about 20% from last year.
33710     Yes             4 No              0 Yes               4                                  -30
94121     No              2 No              0 No                0 Down roughly 30%
33305     Yes             0 No              0 No                0 big unknown, i'm guessing 30% down
75071     Yes             2 No              0 Yes               1 -30%
10033     Yes             4 No              0 No                0 Increase 20%
87530     Yes             1 No              0 Yes               1 I am not sure yet
04622     Yes             1 Yes             1 Yes               2 probably less
92587     Yes             1 No              0 Yes               1 At least 50% contraction
33897     Yes             1 No              0 Yes               1 decrease by 30% most likely more
92024     Yes             2 No              0 No                0 We project 10% to 15%
11572     Yes             2 No              0 No                0 -25%
10010     Yes             1 No              0 No                0 hard to say, still waiting to see if business drops
80010     Yes             2 No              0 Yes              35 Flat, no growth
11375     Yes             3 Yes             3 Yes               3                               39450
98236     Yes             3 No              0 No                0 contract by 40-50%
10011     Yes             2 Yes             1 No                0 a fourth or fifth of 08 but who knows basically
97540     No             30 No              0 Yes               2 maintaining current sales. Expect growth
94558     Yes             5 No              0 No                0 0%
60610     Yes             2 No              0 No                0 20% down
77010     Yes             6 Yes             2 No                0 yes
97130     Yes            20 Yes             6 Yes              10 Hoping to stay flat at least.
38668   Yes    9   Yes    1   Yes    3   -25%
14850   Yes   50   No     0   No     0   100%
18901   Yes    3   Yes    2   No     0   flat
55379   Yes   12   Yes    3   No     0   About even
75035   Yes    1   No     0   No     0   maybe 10% increase
97222   Yes    2   No     0   Yes    2   we are down 60%
28741   Yes   10   Yes    4   Yes   10   10 % growth
92840   Yes    1   Yes    2   Yes    1   Business is flatlined, it's all up from here.
49203   Yes    2   No     0   Yes    1   Just hope to stay afloat.
15131   Yes   40   No     0   Yes   20   Same
93001   Yes    5   Yes    2   No     0   -40%
08609   Yes    1   No     0   No     0   1-2 percent down
21211   Yes    6   No     0   No     0   I have no idea what 2009 will bring - wish I had
33896   Yes   15   Yes    1   No     0   we're launching our software commercially in 09,
33029   Yes    1   No     0   Yes    1   -40%
09410   Yes    4   Yes    1   No     0   Contracted by 25% in 2008, expect flat 2009 or 1
91750   Yes    2   No     0   No     0   +20%
29640   Yes   10   Yes    3   Yes    7   20% fall
97403   Yes    1   No     0   No     0   i'm afraid they could dramatically contract, howe
19462   Yes    4   No     0   No     0   same
93955   Yes    4   No     0   No     0   40% growth
33441   Yes    5   No     0   No     0   Same
11215   Yes    1   No     0   Yes    1   Expect to contract by at least 25%
94945   Yes   40   Yes   10   No     0   50% contract?
21227   Yes   27   No     0   Yes   27   equal to 2008, 35% less than 2007
32966   Yes    5   No     0   No     0   -45%
53007   Yes    2   Yes    1   No     0   60 % down over 2007
55079   Yes    5   No     0   Yes    2   about the same
26041   Yes    7   No     0   Yes    7   I have no idea how we will do. It's a scary time.
78660   Yes    2   No     0   No     0   grow
14425   Yes    2   No     0   No     0   Grow
38654   Yes    3   Yes    1   Yes    2                                        0
10036   Yes    2   No     0   No     0   I hope it will grow by at least 10%.
03801   Yes    2   No     0   Yes    2   decline
92688   Yes    1   No     0   Yes    1   half again.
95603   Yes   12   Yes    3   Yes    2   down 25%
81301   Yes    2   No     0   No     0   30% increase
32948   Yes    3   No     0   Yes    3   - 30%
90077   Yes    3   Yes    3   Yes    3   contract by more than 50%
92037   Yes   27   Yes    3   No     0   down 15 - 25%
80218   Yes    2   Yes    2   No     0   sales in 2008 were down 400% from 2006.. I can
98119   Yes   40   Yes    3   Yes   20   down 5%
92014   Yes    2   Yes    7   Yes    2   Hopefully remain the same. Grow: Not at all.
78362   Yes    1   No     0   Yes    1   -30%
48033   Yes   48   Yes   14   Yes   48   -15%
02108   Yes    3   No     0   No     0   Expect a major decrease.
91384   Yes    3   No     0   Yes    2   minus 25 - 30%
80904   Yes    2   No     0   No     0   up 15%
77077   Yes    1   No     0   No     1   significantly lower, maybe 25% less
19010   Yes    1   No     0   No     1   Don't know -- 2008 vs. 2007 was a -15% year, b
60626   Yes    1   No     0   No     0   contract 15-20%
30022   Yes    1   No     1   Yes    1   Lower by 20%
07306     Yes     1   No     0   No      0   15-20%
97224     Yes    20   No    15   Yes    15   down by 20-30%
10014     Yes     2   No     0   Yes     0   I expect them to go down 20%
52401     Yes     0   Yes    0   Yes     0   contract by 25 percent.
22015     Yes     8   No     2   Yes     8   about the same, but income will be down
74081     Yes     7   No     1   No      3   varies according to business. Feast or Famine
27516     Yes     5   No     2   No      0   -40%?
94552     Yes    72   Yes    0   Yes     0   We've closed our doors.
20003     Yes     6   Yes    0   Yes     0   Sales in 08 were down over 07. I expect 09 to b
24018     Yes     3   Yes    0   Yes     3   We are out of business.
44705     Yes     1   No     0   No      1   75%
07042     Yes     0   No    24   No     24   Level
99701     Yes     6   No     4   No      6   70%
32937     Yes     1   Yes    1   Yes     1   -70%
77066     Yes     9   No     0   No      2   We have no way to predict. We are hoping for gr
11951     Yes    12   No     8   No      0   improvement, 20%
93012     Yes     3   No     4   No      1   Contract
99504     Yes     6   No     0   No      0   Flat
33042     Yes     0   Yes    1   No      0   -50%
60643     Yes     2   No     0   No      2   -30%
10036     Yes     1   No     0   Yes     1   Do not know
22901     Yes     1   Yes    0   Yes     1   Unsure
60618     Yes     4   No     0   No      2   projections for 2009 bookings are down about 30
M6G 1R1   Yes     1   No     0   Yes     1   -50%
02474     Yes     3   No     3   Yes     3   -25%
48116     Yes     1   Yes    0   No      0   contract 30%
83843     Yes    45   No     0   No      0   Very unsure how we will be affected. Sales down
10010     Yes     3   No     0   No      1   -50%, at least
13126     Yes     2   No     0   No      0   10%
60067     Yes     2   Yes    0   Yes     1   stay the same or contract 15%
15090     Yes     1   Yes    0   No      0   contract by 40%
97007     Yes     2   No     0   Yes     2   Flat to slight up (5 percent)
92024     Yes     6   No     0   Yes     6   Probably the same
40511     Yes     6   No     0   Yes     4   Incalculable at this time; down 50% at least
87123     No      6   No     0   No      2   expect them to be about the same
90404     Yes     6   Yes    0   Yes     0   given what we've been experiencing, i would exp
10024     Yes   100   No     0   Yes   100   contract, perhaps by 30%
95616     Yes     2   No     0   Yes     0   down 10 - 20%
44107     Yes     1   No     0   Yes     1   major decrease
75693     Yes     9   Yes    3   Yes     6   100 % contract
85260     Yes    20   No     0   No      4   I expect them to grow 100% - if not more
49085     Yes     1   No     1   Yes     0   contract by 15-20%
77441     Yes     7   No     0   No      0   same
10028     Yes     2   No     0   No      1   About the same
32503     Yes     5   Yes    2   No      0   - 5%
03870     Yes     0   No     0   No      0   Sales are up over 50% in 2009
93036     Yes     3   No     0   Yes     0   We will contract by about 75%.
98225     Yes     1   No     0   Yes     1   down by 50%
66202     Yes     2   No     0   Yes     0   down about 30%
32931     Yes     1   No     2   No      1   We expect a 30% growth but who can really say
94111     Yes     1   No     2   No      3   Increase by 40%
10003     Yes     4   No     4   No      4   up 25%
75074        Yes        1   No     0   Yes    0   somewhat smaller
37919        Yes        0   No     0   No     0   About 20% lower
50309        Yes        4   Yes    4   No     4   -7% jul-nov 08 vs. 07
53534        Yes        2   No     0   Yes    2   70% less than 2008
23226        Yes        3   No     3   No     3   conract 20%
92335        Yes        5   Yes    0   No     0   CONTRACT BY 20%
81224        Yes        3   Yes    0   Yes    2   -30%
63645        Yes       28   Yes   12   Yes   28   horibly     contract by 3/4'sl
44460        Yes       18   Yes    0   Yes    0   2008 was a disaster; 2009 will be worse
10012        Yes       12   No     0   No     0   Grow 15-25%
83713        Yes        2   No     0   No     0   Increase by 100%
28801        Yes       75   Yes    0   No     0   down 60% since Oct 1
15905        Yes        2   Yes    0   Yes    0   will not grow. We are a nonprofit and we will wo
82001        Yes        0   No     0   No     0   grow
81252        Yes      120   Yes    2   Yes   45   I expect 2009 sales to be a fraction of 2008, part
94555        Yes        3   No     3   Yes    4   contract 30%
30033        Yes        3   No     1   Yes    1   contract by 40%
34243        Yes       11   Yes    8   Yes    3   Expect 25% contraction
20001        Yes        2   No     0   Yes    2   I expect them to decline.
60033        Yes        1   Yes    2   Yes    0   -50%
90405        Yes        1   Yes    0   Yes    1   -90%
94708        Yes        1   No     0   No     1   equal
90272        Yes       63   No     0   No    30   can't tell, but I expect contraction
15201        Yes        9   No     0   No     0   grow 10%
04101        Yes        9   No     8   Yes    0   30% less
94105        Yes        3   No     1   No     0   -20%
12020        Yes        1   No     0   Yes    0   sales grew though against no backdrop data, as
33773        Yes       16   No     0   No     0   probably flat or a little lower
95405        Yes        1   No     0   Yes    1   40%
10014        Yes        4   No     0   No     0   Down 80%
32459        Yes        3   No     0   No     0   Down 50% from 2008
95008        Yes        6   Yes    0   Yes    5   Sales have shrunk by 50%
             Yes
I sell all over USA     6   No     0   No     0   Sales will be down at least by half.
66012        Yes        2   No     0   No     1   down 20% or so
95076        Yes        5   No     5   Yes    5   hopefully will not decline more than 10%
01923        Yes        4   No     0   No     0   10% decline
30087        No         2   No     0   No     0   We expect our unrestricted fund receipts to shrin
90066        Yes        6   Yes    0   Yes    6   contract by additional 30%
60654        Yes        1   No     0   No     1   Contract 10%
10003        Yes       12   Yes    2   Yes    3   I expect them to grow
63146        Yes        1   Yes    0   No     0   down 20%
12790        Yes        7   Yes    0   Yes    7   down by 10-20+%
94122        Yes        0   Yes    0   Yes    0   -20%
94015        Yes       36   No     0   No     0   Sales will be down by about 15%
95032        Yes        2   Yes    0   Yes    2   50%
60625        Yes       18   No     0   Yes    0   contract
48912        No         2   No     0   No     2   10%
10028        Yes        7   Yes    0   No     0   -70%
32413        Yes        4   No     0   No    10   Stay about the same
77024        Yes       17   Yes    0   No     4   Expect about 1/3 less
75206        Yes        2   No     0   Yes    0   -35%
91202        Yes        5   No     5   Yes    5   Contract about 30%
28804     Yes    15   Yes    3   Yes    0   2008 was agreat year 2009 should start well eno
28804     Yes   135   No    40   No     0   grow 10%
90036     Yes     1   No     1   No     0   15%
60160     Yes     2   No     0   No     0   flat
95685     Yes    75   Yes    0   Yes    0   contract by 25%
33618     Yes     1   Yes    0   Yes    0   -25%
60602     Yes     1   No     1   No     1   -100%
90026     Yes     1   No     0   No     3   our business is media production and fluctuates a
60612     Yes    26   Yes    3   No    16   -25%
23113     Yes     3   No     1   No     2   down by 10 %
98103     Yes     3   Yes    0   Yes    2   less by 20%
97862     Yes     2   No     0   Yes    0   I don't know.
94598     No      3   No     1   Yes    0   no idea
11780     Yes     8   Yes    8   Yes    8   Down 30%-continue to contract
90404     Yes     1   No     0   No     1   I expect a slowing of about 30%.
48708     Yes    12   No     2   No     0   contract by about 20%
61081     Yes     5   Yes    5   Yes    0   We are just not sure what to expect for the next
77084     Yes     4   No     1   No     0   -50%
47460     Yes     4   No     2   No     2   CONTRACT 60%
10512     Yes     8   No     0   Yes    3   contract
92677     Yes     2   No     1   Yes    0   reduced by about 50%
04493     Yes     1   No     0   Yes    0   contract 25-30%
02667     Yes    22   No    21   No     0   24% less sales
98122     Yes     2   Yes    0   Yes    0   50% reduction
94710     Yes     5   No     5   No     5   tbd
32714     No      3   Yes    0   Yes    0   Forcast for increase, however reality is contractio
92127     Yes     6   No     2   No     0   grow
92129     Yes     1   No     0   No     1   -15%
55344     Yes     7   Yes    1   Yes    2   Unknown
08330     Yes     3   Yes    0   Yes    1   50% reduction.
62025     Yes     1   Yes    0   No     1   contract by 15%
78751     Yes     3   No     0   No     0   probably down 10-15%
V9K 1S8   Yes     3   No     0   No     3   Grow by 15%
80301     Yes     8   No     2   Yes    3   I hope remains the same,or a small growth
92262     Yes     1   No     0   Yes    0   10% growth
01089     Yes     9   Yes    0   Yes    1                                       0
29640     Yes     2   Yes    0   Yes    1   contract by at least 50%
24211     Yes     4   Yes    1   Yes    4   already have contracted by 70% another 50% In
91605     No      4   No     0   Yes    0   One third less.
15239     Yes     3   Yes    0   No     1   anticipating much lower sales in the auto industr
33614     Yes     4   Yes    0   Yes    4   I suspect that it will be less or, at best even...our
55343     Yes     9   No     0   No     1   minus 20% in 2009. After a 10% decline in 2008
96746     Yes     6   Yes    3   No     0   down 30%
30337     Yes     2   No     0   Yes    0   If we're lucky, they'll stay steady.
34983     Yes     4   No     0   Yes    0   Hopefully sales will grow at least 50%!
98112     Yes     3   No     1   Yes    3   i hope they grow by at least 50%
33160     Yes    30   No     1   Yes    7   Down by 60%
98116     Yes     1   No     0   Yes    0   decrease
60523     Yes     5   Yes    1   Yes    2   fallen about 50%. We are closing as of 12/23/20
95472     Yes     3   No     1   Yes    3   Too early to tell, but antipate a 25% reduction
37918     Yes     8   No     0   No     2   grow 10%
02910     Yes     1   No     1   Yes    0   unsure due to economy
40517   Yes    2   No     0   No     2   unknown
23434   Yes    0   No     0   Yes    0   down 75%
94127   Yes   15   No     5   No    10   down 25%
10002   Yes   14   No     0   Yes    8   unknown
14414   Yes    1   No     0   Yes    0   Hoping for sunshine, preparing for rain.
60026   Yes   11   No     0   Yes    0   unknown
84770   Yes    6   No     0   Yes    0   minus by 25%
60156   Yes    4   No     1   No     1   better
08109   Yes    1   No     0   Yes    0   down
94103   Yes    4   No     0   No     0   -10%
78209   Yes    1   No     2   Yes    2   Same
79706   Yes   10   Yes    3   Yes    0   down 30%
63125   Yes    4   No     0   Yes    0   about the same
33029   Yes   25   Yes    0   No     0   -50%
98070   Yes    1   No     1   No     1   Up by 20%
46714   Yes    1   No     0   Yes    1   -40%
02917   Yes    1   Yes    0   No     0   lost at least 25 - 50k
86351   Yes    6   No     0   No     2   Same
13031   Yes    1   No     0   No     0   about the same
33301   Yes   15   No     5   Yes    5   -25%
94556   Yes    3   No     0   No     3   sales will stay the same
19122   Yes    1   Yes    0   Yes    0   Who knows?
80210   Yes    2   Yes    0   Yes    1   ????????????????
60616   Yes    5   Yes    0   Yes    5   Sales contract by 50%+
02135   Yes    1   No     0   No     0   grow 5%
42376   Yes    1   No     1   No     0   We expect to grow by 50%, we sell fresh vegeta
54016   Yes   20   Yes    5   Yes    3   unknown
68508   Yes    2   No     1   Yes    1   Down 15%
02338   Yes    5   Yes    0   Yes    5   i had to get another job so 2009 will be far less p
11201   Yes    5   No     0   No     0   -40%
33624   Yes    3   No     0   Yes    3   Down 30%
90631   Yes    2   Yes    0   Yes    2   -28%
33313   Yes    1   No     0   No     0   -2%
77802   Yes    4   No     2   No     1   I expect some growth, but new competition may
99344   Yes   19   No     0   No     0   Hopefully sales volume will increase
94901   No     2   No     0   No     2   better 20%
98103   Yes    2   No     2   No     2   -50%
07093   Yes    3   No     0   No     0   Contract 40%
10003   Yes    1   Yes    3   Yes    0   down by 15 -20%
29501   Yes    3   Yes    0   Yes    0   contract by 45%
94530   Yes    1   Yes    0   Yes    1   flat
98382   Yes    5   Yes    0   Yes    4                                  -75
16510   Yes    1   No     0   Yes    0   -50%
30344   Yes    1   Yes    0   No     0   No sales in 2009
95476   Yes    5   No     3   Yes    2   flat for the year.
01749   Yes    3   No     0   Yes    0   same or slight increase (I pray)
60506   No     3   No     0   Yes    0   down 30%
75040   Yes    1   No     4   No     1   Expect overall growth
54201   Yes    3   Yes   10   No     0   We are anticipipating a down swing of 30% this
11211   Yes    0   Yes    0   No     0   -40%
34772   Yes    3   No     4   No     3   Down by 70%
04101   Yes    2   No     0   No     0   + 100%
12138   Yes   11   No    0   Yes    2   Expect them to be down about 1/3
07663   Yes    2   No    0   No     0   60% down
60660   Yes    5   No    4   No     5   stay the same
92833   Yes    1   No    0   Yes    1   %20-30
12561   Yes   10   No    5   No    10   grow by 20%
19355   Yes    9   No    2   Yes    0   hard to guess -- we don't actively plan our sales
21797   Yes    3   Yes   0   Yes    2   hopefully the same- DC market will be helped by
23225   Yes    1   No    0   No     1   0% either way.
44236   Yes    9   No    0   No     4   We are not sure. We HOPE it will stay the same.
83340   Yes    2   No    0   Yes    1                                     0
11221   Yes    3   No    0   Yes    2   exponentially, off the chart in or out of a recessio
33773   Yes    5   Yes   0   Yes    5   I wish I knew. SInce we started in Dec 07, I gues
86301   Yes    0   No    0   No     0   2009 sales predicted to be down
18938   Yes    1   No    0   Yes    0   down 15%
18901   Yes    2   No    0   No     0   contract by 10-20%
72205   Yes    3   No    0   No     0   We are looking for growth, but there are no guar
59923   Yes    2   No    0   Yes    2   contract by 30%
53703   Yes    1   No    0   No     0   5%
84319   Yes    5   No    0   Yes    0   33% lower
11422   Yes    2   No    0   No     0   -20%
33579   Yes    2   No    0   Yes    0   -25%
56026   Yes    0   No    0   Yes    0   decrease 40% due to commodity price drops
02857   Yes    2   No    0   No     0                                     0
27410   Yes    0   Yes   0   Yes    0   unknowable
60611   Yes   11   Yes   1   No     3   10% contraction
20879   Yes    3   Yes   0   No     3   10% growth
48103   Yes    1   Yes   0   Yes    0   not applicable
77861   Yes    1   No    0   No     8   zero percent
10118   Yes    2   No    0   No     1   15%
37774   Yes    3   No    0   No     3                                     0
80113   Yes    7   Yes   0   Yes    0   will decrease by half
08021   Yes    6   No    0   Yes    4   My 2009 forecast is excepted to grow by 10% fro
39601   Yes    2   Yes   0   Yes    0   -50%
28405   Yes    2   Yes   0   Yes    2   We are up about 30% only because only opened
85220   Yes    3   No    0   Yes    0   50% lower
84017   Yes    1   No    1   No     0   we expect business to contract by 50%
68114   Yes    4   Yes   0   No     2   Don't know
30571   Yes    4   Yes   1   Yes    0   out of business in 2005
85281   Yes    6   No    2   Yes    0   20% less
94117   Yes    2   Yes   0   No     2   Contract 30%
02053   Yes    4   Yes   0   Yes    0   shut down
11753   Yes    3   Yes   0   No     0   down at least 15-20%
10037   Yes    1   Yes   0   Yes    0                                    40
31092   Yes    0   No    0   Yes    2   down 30%
48103   Yes    1   Yes   1   No     0   We expect revenue to be down 30%
35244   Yes    3   No    2   No     2   Uncertain; situation in flux
94949   Yes    8   Yes   0   No     0   I expect my business to just stop at any time.
11215   Yes    3   No    3   No     3   -10%
32118   Yes    3   Yes   0   Yes    1                                     0
02671   Yes    5   No    0   No     2   Sales have already dropped 30% since Septembe
30318   Yes    0   Yes   1   No     0   I have no idea. It's going to be bad, but it might
33415   Yes    4   No    0   Yes    1   -40%
55306   Yes     1   Yes    2   Yes    1   contract 50%
01238   Yes     4   No     1   Yes    0   Perhaps, stay the same - only because we had a
53714   Yes     3   No     1   Yes    3   2008 was the worst year since I started
38478   Yes     5   No     0   No     5   -5%
92120   Yes    15   No     0   Yes    0   We expect 2009 to be worse than 2008.
33071   Yes     6   Yes    4   Yes    0   down 40      percent
90404   Yes     7   No     0   No     0   Impossible to determine it, but I barely get by as
12401   Yes     3   No     0   Yes    0   We hope to grow at least 20%, but expect more
19063   Yes     2   No    11   Yes    2   -10%
28659   Yes     1   Yes    0   Yes    0   down by 1/3
33508   Yes     6   No     0   No     1   grow 20%
48324   Yes     1   No     0   Yes    0   30% contraction
10013   Yes     3   No     2   Yes    2   contracted by 10% already
49512   No      1   No     0   Yes    0   don't know
10001   Yes    11   Yes    0   No     0   up 20%; We should have been growing. Now, w
19333   Yes     3   No     0   No     0   contract by 10 to 15 percent.
94110   Yes     1   No     0   No     0   20% growth
80205   Yes     2   Yes    0   Yes    0   2009 isn't here yet, but probably not as good.
91311   Yes     4   Yes    0   Yes    0                                   30
98002   Yes     2   No     0   No     1   Down by 80% at least.
92262   Yes     1   Yes    0   Yes   10   -28%
49660   Yes     3   Yes    0   Yes    0   off by at least 70%
22401   Yes   100   No    10   Yes   50   -5%
89020   Yes     1   Yes    0   No     0   i have no idea
91354   Yes     6   No     2   Yes    4   -25%
95602   Yes    40   No     0   Yes    4   I expect them to drop 20 to 40 percent
90806   No      5   Yes    0   Yes    0   grow 5%
46324   Yes     0   No     0   Yes    0   down 25%
87107   Yes    17   No     0   No     0   contract 14%
90212   Yes     5   No     1   No     5   I don't know, but 2008 profit will be 20% less tha
98115   Yes     2   No     0   No     1   We're projecting a 25% increase.
92078   Yes     2   Yes    0   Yes    0   0%
32086   Yes   250   No    50   No    80   do not know
06880   Yes     5   No     0   No     0   contract 25%
06824   Yes     1   Yes    0   Yes    0   lowwer
10011   Yes    21   Yes    5   No    21   down 40%
60532   Yes     3   No     0   No     3   Zero growth to a significant decline.
95060   Yes     0   No     0   No     0   Sales are down by 20% to 50%, depending on th
98402   Yes     1   Yes    0   Yes    0   unknown
27278   Yes     2   No     0   Yes    0   at least 20%
91355   Yes     2   No     0   No     0   doesn't look good. Now new RFP's
66801   Yes    37   No     0   Yes    0   +15%
92117   Yes     1   Yes    1   No     1   I expect to have to work a lot harder to make the
90210   Yes     1   Yes    0   Yes    0   10% contraction of sales
95476   Yes     4   No    16   Yes    2   ?
96720   Yes     7   No     5   No     0   10%
91602   Yes     1   No     0   Yes    0   contract 25%
87508   Yes    65   No     0   Yes   65   fall - who knows what percentage??!
87701   Yes   450   No     0   No     0   20%
11801   Yes    12   Yes    0   No     0   Who knows?
95355   Yes     3   Yes    0   Yes    0                                  -10
55345   Yes     0   Yes    0   Yes    0   -45%
85016     Yes   15   No    10   Yes   5   contract by 50 percent
91001     Yes    6   No     0   No    0   Grow
57039     Yes    1   No     2   Yes   1   contract
02079     Yes    4   No     0   Yes   2   Projecting 2009 sales of 20% less than 2008
90019     Yes    1   No     0   Yes   0   down--18%
95556     Yes    5   Yes    0   Yes   0   slow down 25%
25015     Yes    7   No     0   No    0   >15%
54868     Yes    0   No     0   Yes   0   20%
95306     Yes    3   Yes    0   Yes   2   we expect nothing more and most likely less (of
10017     Yes    1   No     0   No    0                                  -30
01060     Yes    5   Yes    5   No    0   Hopefully better. 25% growth
55419     Yes    1   No     0   No    1   grow by 75%
92020     Yes    0   No     0   Yes   0   90% drop
92103     Yes    9   No     0   Yes   0   Better; +10%
92707     Yes    3   No     0   Yes   0   down by 40%
10003     Yes   16   No     0   No    2   I expect a 20 percent decline.
18974     Yes    1   Yes    0   Yes   0   -50%
62901     Yes    2   No     0   No    0   up 10%
19475     Yes    5   No     1   No    5   Definitely contract by probably 20%
92807     Yes    1   Yes    0   Yes   0   hope they stay the same. afraid will go down
95401     Yes    1   Yes    0   No    1   contract 75%
94605     Yes   10   No     2   No    0   grow
40507     Yes    2   Yes    1   Yes   0   35% down
48161     Yes   19   No     3   No    1   Contract about 15%
78703     Yes    5   No     0   Yes   0   down 5%
84027     Yes    1   No     0   No    0   about the same
97045     Yes    1   Yes    0   Yes   0   -60%
28732     Yes    1   No     0   Yes   0   -50%
53207     Yes    1   Yes    0   Yes   0   contract 25%
02101     Yes    7   No     5   No    5   0% if lucky. -10 if unlucky.
60586     Yes   12   No     0   Yes   0   - 40%
60190     Yes    1   No     0   Yes   0   contract by 15-20%
34239     Yes    1   No     1   Yes   0   -35 percent
95032     Yes    1   Yes    0   Yes   0   I cannot even guess, but probably down.
89081     Yes   25   No     0   Yes   0   Contract 20%
92701     Yes    2   No     0   Yes   0   down by 70%
90293     Yes   10   No     2   No    1   I expect a 10-20% drop
21286     Yes    1   No     0   No    0   contract 20%
27609     Yes    3   No     0   No    0   higher
10009     Yes    5   No     5   No    5   not sure
28792     Yes    0   No     3   Yes   2   Contract 25%
94115     Yes   14   No     1   No    0   same
48362     Yes    1   No     0   No    1   Decrease by 5 to 7%
94965     Yes    6   No     2   No    4   50%
94117     Yes    6   No     1   No    1   About the same
98253     Yes    3   No     3   No    1   Our business is dead in the water since the credi
18630     Yes    2   No     0   No    2   Volume up by 7.5%. Gross receipts down by 12.4
20774     Yes    5   No     1   No    0   0% growth
94710     Yes    3   Yes    0   Yes   0   -20%
32825     Yes    9   No     0   Yes   0   20% less
M4Y 1R7   Yes    1   No     0   No    0   Overall down 50%, but sales of core product up
95060     Yes    1   No     0   Yes   8   I expect a 50-70% reduction
80120    Yes     2   No     0   Yes              20%
                                      Just me, the owner. I have not wanted to reduce staff hours
87120    Yes     3   No     0   Yes            3 -50%
01742    Yes     7   No     0   No             0 15% growth
49004    Yes     6   No     0   Yes            4                                -16
62034    Yes     2   No     0   No             0 Reduce by 10%
553432   Yes     2   Yes    0   Yes            2 down 40%
10013    Yes     3   No     0   No             0 we are hoping they will be better, but we are bra
01245    Yes     1   Yes    1   No             0 -50%
78741    Yes     4   No     0   Yes            2 not sure
02748    Yes     4   Yes    1   No             0 grow 10 percent
28269    Yes     6   Yes    2   No             0 contract by at least 10%
94541    Yes     2   No     0   Yes            2 minus 10%
40205    Yes     4   No     0   No             0 We project they will be down by 10%
04108    Yes     3   No     0   No             0 +1000%
33063    Yes     1   No     0   No             0 worse every day
98105    Yes     0   No     0   Yes            2 uncertain
20707    Yes     1   No     0   No             0 don't know
03801    Yes     3   Yes    2   Yes            2 contract by 50-75%
51632    Yes     8   No     0   No             0 not sure depends on several factors
90013    Yes     3   Yes    3   Yes            3 N/A
33145    Yes     3   No     0   Yes            1 2009 Should see an increase in sales. Projected g
02539    Yes     5   No     0   Yes            2 grow by 10%
95949    Yes     0   Yes    1   Yes            1 They are down 27% in 08 and I expect 50 or 60
98122    Yes     4   No     0   Yes            1 Contract about 25%
33314    Yes     1   Yes    2   Yes            1 Contract 75%
94127    Yes     4   Yes    1   No             0 down 30%
98250    Yes     3   Yes    1   Yes            3 expecting 30% less
87112    Yes     5   No     0   Yes            5 Down 25%
19002    Yes    15   No     0   No             0 +10% due to an expansion - want +25%
08204    Yes     6   Yes    4   No             0 0, closed business
36830    Yes     7   No     0   No             0 uncertain
24011    Yes     3   No     0   No             0 20% down
90291    Yes     2   Yes   11   Yes            2 not sure
55102    Yes     1   No     0   No             0 I expect retainer and consulting fees to drop by a
01269    Yes     6   No     0   Yes            1 unknown contraction,
31324    Yes     1   No     0   No             0 contract
90403    Yes     2   Yes    2   Yes            2 Who knows ?- expect contration
85254    Yes     1   No     0   No             0 expext lower is 09, hopefully less than 10% lowe
04037    Yes    11   No     0   No             0 4% growth
44691    Yes     3   No     0   No             0 I ahve no idea I know that the last half of 2008 h
91775    Yes     1   No     0   No             0 40 contraction
10003    Yes     2   No     0   No             0 lower by 20%
78702    Yes     4   No     0   No             0 +50%
84049    Yes     2   No     0   Yes            1 -50%
75230    Yes     1   No     0   Yes          10 down 20%
30030    Yes     3   No     0   No             0 even year over year
94526    Yes   100   Yes   10   Yes          50 - 20%
59212    Yes     1   No     0   No             0 contract--10%
21224    Yes     6   Yes    2   Yes            4 Slow through Q3. About 50% off from 2008.
60091    Yes    40   No     0   Yes            4 30% increase
98004    Yes     5   No     0   No             0 I expect to grow in 2009
91105    Yes     9   No     0   No             0 50% less
60622   No     17   No     0   No     0   zero growth predicted
30082   Yes     5   Yes    1   Yes    5   Down 20%
28792   Yes     2   No     0   Yes    1   +20%
94117   Yes     2   No     0   No     0   Grow 10%
75093   Yes   250   Yes   50   Yes   80   down 15%
45202   Yes     5   No     0   No     0                                      0
08108   Yes     1   No     0   No     0   contract by 20%
33319   Yes    21   Yes    5   Yes   21   -25%
48212   Yes     3   No     0   Yes    3   -15%
11231   Yes     0   No     0   No     0   still unclear
97701   Yes     1   No     0   No     0   We expect growth, are introducing new products
94010   Yes     2   No     0   No     0   We hope that they remain steady.
05468   Yes     2   No     0   No     0   Gross rev. should be up by 25% more or less. U
55901   Yes    37   No     0   No     0   We will likely stay level in 2009.
15143   Yes     1   Yes    1   Yes    1   50% contraction
75248   Yes     1   No     0   No     0   Hopefully better...It certainly can't get much wor
60640   Yes     4   Yes   16   Yes    2   we expect to contract by 70%
34952   Yes     7   Yes    5   No     0   50% less
98113   Yes     1   No     0   No     0   same
20166   Yes    65   No     0   Yes   65   we expect 25-40% less business than 2008
19154   No    450   No     0   No     0   Contracted 6% in '08 from '07, expect to contrac
27608   Yes    12   No     0   No     0   Stay the same
78628   Yes     3   No     0   No     0   +8
87107   Yes     0   No     0   No     0   Early projections, about one half; will reevaluate
40206   Yes    15   Yes   10   Yes    5   about the same, but margins much poorer
29169   Yes     6   No     0   No     0   plus 20 %
97132   Yes     1   Yes    2   Yes    1   -40%
19363   Yes     4   No     0   Yes    2   hoping to stay even
89133   Yes     1   No     0   No     0   Not entirely sure, but I expect to keep growing...
30097   Yes     5   No     0   No     0   grow
95521   Yes     7   No     0   No     0   unwilling to speculate
90031   Yes     0   No     0   No     0   increased sales by 10%
98075   Yes     3   No     0   Yes    2   stay even
90035   Yes     1   No     0   No     0   +20%
57793   Yes     5   Yes    5   No     0   -%100
36303   Yes     1   No     0   Yes    1   down by 1/2
50125   Yes     0   No     0   No     0   I expect them to contract
70115   Yes     9   No     0   No     0   -20%
60605   Yes     1   No     0   No     0   Wish I knew. It will have to be down.
91324   Yes    16   No     0   Yes    2   We had great growth during most of this year, un
97211   Yes     1   No     0   No     0   I expect that sales will grow by 10%
01245   Yes     2   No     0   No     0   Given that we are seeing a rise in sales online an
11725   Yes     5   Yes    1   Yes    5   2008 was down 65% from 07. 2009 may be off
14072   Yes     1   No     0   No     0   I expect 125% growth.
80205   Yes     1   No     0   Yes    1   Expect 30-40% loss
32826   Yes    10   Yes    2   No     0   -20%
91101   Yes     1   Yes    1   No     0   Off by 20%
92240   Yes    19   Yes    3   Yes   19   -20%
94501   Yes     5   No     0   No     0   grow by 15%
85716   Yes     1   No     0   No     0   They will probably contract.
55073   Yes     1   No     0   No     0   My work is month to month..sales in 2008 were b
65018   Yes     1   No     0   No     0   My sales are significantly down
95219     Yes    1   No    0   No    0   About the same
88061     Yes    7   Yes   5   Yes   5   I expect a 25% to 35% drop for the restaurant
28305     Yes   12   No    0   No    0   100%
85205     Yes    1   No    0   No    0   Decrease 70%
33433     Yes    1   Yes   1   No    0   -20%
27612     Yes    1   No    0   No    0   -50%
11001     Yes   25   No    0   No    0   Grow 13.5%
06118     Yes    2   No    0   No    0   -20%
04429     Yes   10   Yes   2   Yes   1   -20%
v5x3h8    Yes    1   No    0   No    0   20%
49090     Yes    3   No    0   No    0                                -20
97034     Yes    5   Yes   5   Yes   5   zero sales
91711     Yes    0   Yes   3   Yes   2   50% less
70707     Yes   14   Yes   1   No    0   Contract 20%
60174     Yes    1   No    0   Yes   1   same
91709     Yes    6   Yes   2   Yes   4   -10%
32807     Yes    6   Yes   1   Yes   1   2008 was 50% less than 07, we hope that 09 wil
91607     Yes    3   Yes   3   Yes   1   down 42%
t8a 3z4   Yes    2   No    0   Yes   2   -40%
18017     Yes    5   Yes   1   No    0   - 33%
12723     Yes    3   No    0   No    0   We hope to stay the same or increase slightly
06355     Yes    9   No    0   No    0                                -15
            Expectations
2009 Sales comments (text)
       0.2 Electrical controls business for emergency generators in hospitals, airports and Alaskan villages. As a S-Corp for 15
    -0.33 unreal....been my own boss all my life, and always prided myself on being "nimble" enough to adapt, BUT THIS IS I
      -0.3 it has required us to develop new strategies to adapt to the current economy>> loss of customers, increased cost, l
      -0.5 sales down 50%. no hope after holiday season
    -0.38 I have had to dual source parts due to uncertainty regarding which of my suppliers may get through this catastroph
         0 I'm just not sure what will happen. i have no worked booked yet for 2009, but that has happened before (I'm a free
         0 We are commecial real estate brokers. The lack of financing has had a negative affect on our clients (if not owner-o
      -0.1 Sales activity has leveled off and some of our customers have gone out of business.
   -0.075 no growth.Would probably go out of business if local GM plant shuts down.
         0 has not affected at all we've made more money in the last two months than all year long.
         0 I am a realtor in the midwest. My business is down to 25% of what it was 2 years ago. In some cases it is taking mo
   -0.075 while the cash flow has weakened substantailly, there are still customers in our home furnishings buthe siness who a
   -0.075 while the cash flow has weakened substantailly, there are still customers in our home furnishings buthe siness who a
        -1 My husband and I have a small business selling antiques in a major antiques center in Stamford, Ct. Sales are so slu
         0 I am a clinical psychologist, and most of my clients use insurance to pay for their therapy. My practice is neither mo
    -0.25 We build single family homes & renovate single family and small multi-family buildings. 50% of the business in 2006
      -0.3 Retail business, so of course we'll be way down in sales. What else could one expect in this environment? If we're ve
      -0.1 big slaes down. some sales lost completely.
       0.2 self-employed, power equipment parts & service two other shops have closed with an increase in mine
      -0.3 Ours is a Bldg Material Business. Construction, residential and commercial, has taken a big hit and so have we and
    -0.25 I own an art gallery in the middle of stock market/bank driven land. We are in Westchester County, NY. People are
      -0.5 We are working to build a small-business advertising empire. Our strength in superior systems building and creativit
    -0.25 I run an IT recruiting firm and so far in Toronto the job market for IT is still strong. I think it will be slow 1st quarte
      -0.3 we service industrial companies with remanufactured products. although we save them lots of money, they're driven
         0 I facilitate training programs that have been cut or delayed. I also write and will not be in the drivers' seat with publ
         0 I had to take a home equity line of credit and another additional loan and take money out of my SEPP account to ke
      -0.5 As the owner of a graphic design firm, my business has never returned to the level previous to the "dotcom crash."
      -0.5 2008 was a very good year. I do not expect 2009 to do as well. Fortunately, we have a good cash reserve.
     0.21 At this point we are cutting discretionary spending and trimming back our hiring plans for 2009 but so far we are on
       0.2 Since day one, we have considered ourselves a tight compact 'hub' of a large network of diversely-talented freelance
      -0.3 Barely surviving. I would give up the business if I could find a decent job.
      -0.3 We are a promotional products distributor and have a pretty diversified clientele: media, financials, real estate, gove
      -0.3 I have a Bed and Breakfast in Fort Lauderdale, FL. Business has been down 30% with others in my business in 20
      -0.3 We do electronics repair for semiconductor manufacturers. They have introduced 3 week shutdowns and reduced ov
       0.2 More cash business, less insurance based business, more government insurance based business offers. My small bus
         0 I am an artist/studio potter. My income is generally in a state of flux so I try to add things like teaching or getting p
         0 I am a Mason contractor for the last 30years and have watched the slow down coming for the last 2 years, finally th
      -0.5 Need for contract training as diminished by 50-75% for early 2009.
      -0.3 We are an airport/seaport transportation company. With travel down more than 40% it has put a hit on income cons
   -0.125 Ours isa retail yarn and knitting business..Our products, yarn and and classes teaching how to use the yarn, are 'co
    -0.25 I am an automobile wholesaler. My inventory value plummeted as the stock market lost ground.
         0 Not so far. I have lost a client or two, but have also gained a few and some existing clients have doubled their serv
         0 Tax and accounting services. This industry has become very price competative. Long time clients are leaving,... aban
        -1 we work with the NYC dept of education doing perfroming arts programs.... budget has been cut in general and also
    -0.45 as of 12/08 the contracts of my small general contracting bussness for small single family homes have stayed stable
    -0.25 Real estate has been obliterated by the artificial run up in prices and the resulting crash.
       0.1 Regional, brand name organics, food distribion. People have become aware of the hidden cost of food production a
         0 Because we are an IT support business we have seen an array in the effects of the recession on our clients. Most o
      -0.2 I'm a successful artist, was making 150,000 selling greeting cards out of my home. Now many orders are being c
         0 I have a small law firm and I work for companies who are stuggling in the current economy. THe companines are c
         0 No one in our small town has money to spend. My husband and I are considering working all shifts by ourselves - a
  -0.25    Sales on big ticket items has been slow all year. Now since November everything is slow. People are just not spendin
      1    Green energy business supporting retrofits of existing buildings gthomas@psdconsulting.com
      0    We have lost four of our eight clients in the past 60 days, including three this month.
      0    I have a customer who has owed us $46,000 since July. They are a developer hit by the credit crunch which has giv
    0.1    There is something wrong with this text box. The letters keep vanishing.
   -0.6    My partner and I own a small bamboo clothing company and we are barely able to hang on this year. I don't know
    0.1    We are in a very high-end retail market..we have had a retail furniture business for 20 years and had trememdous g
           Last year I ended up with a $1400 cash surplus, happy days! Then along came January( 8 days of work ) and Febru
           It is crippling our business.
       0   It is the lack of credit! We have had huge amounts of credit just disappear! We are a seasonal business, so we rely
    -0.4   Its a catastrophe for our downtown area.
-0.0015    i own a check cashing store in trenton, nj. more and more customers who previously cashed paychecks and NEVER
       0   Actually 2008 was a very good year for our business - educational marketing and communications. The recession ha
           It's harder to get VCs to part with their money; pussies and lemmings when times are good, they've got no cojones
   -0.4    I own a micro business where I am the sole employee. Lately, I have had to go and obtain part time employment b
  -0.05    People have cancelled or not followed through on contracts. Not many people hiring management services these da
    0.2    no
   -0.2    n/a
           customers are delaying, reducing and canceling orders; financing for purchases and inventories is difficult or unavail
      0    it's a medical practice. no effect so far
    0.4    auto repo business is doing well in this area
      0    It hasn't - yet. Fingers crossed. We just signed a new year-long contract that will keep us going for now.
  -0.25    I'm a freelance writer/editor. Several projects with regular clients that would have gone to me have been kept in ho
   -0.5    I run a construction company and with the current conditions we may have to eventually lay off up to half of our em
      0    A small/ medium business with sales of 14 mil in 2006, 11 mil in 2007 and 9 mil in 2008..27 employees, $18 k in pro
  -0.45    Sales of our construction-related products are down 45%.
   -0.6    I'm in Adverising and Marketing. Everyone has pulled back. I can't get any more loans even though I've always paid
      0    The greatest impact on our business is that clients are stretching out payment on their accounts. The last 1-2 years
           We sell custom cabinetry. In times like these, no one is remodeling or buying custom anything. If we don't get a big
           Gas was a major impact on my trucking business. At $145 a barrel the cost of diesel was outrageous but large busin
           I've been living in a personal recession for years- a poverty spell brought on by having children. I'm a self-employed
      0    Bank not providing loans for business..can not get inventory
    0.1    Contracts which were promised have not been signed. There is much more regulation from my clients' corporations
           very slow receivables.less work
   -0.5    I am a golf teacher at a private country club in Southern California. Even those people have lost a great deal of their
  -0.25    As a small community newspaper, advertisers seems unable to pay their bill in a timely fashion, if at all. Cash flow is
    0.3    My business has done well in this recession. Some new clients have waited until they are in do do before getting th
   -0.3    We do mainly restaurant supply - paper goods, smallwares, janitorial supplies. Our customers have taken a huge hi
   -0.5    I'm a small publisher of a travel magazine. Advertising has been cut drastically. Many of my clients are small busine
   -0.2    we're in the service industry (an interactive marketing agency) so we've experienced huge issues with our client bas
           I am in real estate investing . This is the 3rd economic downturn I have been in . The first one, I lost my architectur
  -0.05    we're a food manufacturer with sales to food service distributors around the usa. the distributors, in turn, sell exclu
      0    My advertising used to bring phone calls daily requesting our cleaning services. Now, and for the last 18 months, I h
   -0.3    Orders are down. Revenue down, Purchases down....
  -0.15    Our main market, residential construction, has collapsed entirely. Luckily we built up a strong financial and human b
           We did not replace an employee who resigned. There will be no holiday bonuses or raises this year. I'm looking for
 -0.275    We are a Mom & Pop (and son)business who services refrigeration equipment for local restaurants, markets, franchi
   0.15    We are very fortunate. We are a small specialty retail store that sells bbq grills and supplies. The products that we
  -0.25    Customers are delaying and shelving projects, and we service the oil and gas industry, which is somewhat insulated
           Well...I am worried. My A/R is fine, but I'm getting paid really late -- my Net 30 customers are now 45+, and our on
 -0.175    my largest customer is Whole Foods Markets and their traffic and same store sales are off noticeably.
    -0.2   Small businesses hit a brick wall in October 2008. Sales died. Receivables aged past 60 and 90 days. Customers are
0.175   It hasn't affected it.
-0.25   2008 was already an off year, 10-20% because of the housing debacle, but literally the day the Washington Mutual
  0.2   Our clients are mostly corporate marketers. They appear to be frozen into inactivity.
-0.25   the company has experienced a 20 percent decline in gross revenues during the last 6 months of 2008 due to custom
        Fairfax County VA is looking for more tax revenue so they are seeking out additional taxes from sole proprietors. this
        Hasn't really had any noticable impact. I still make it most of the time. Did well enough for a Merrry Christmas.
        We're a language school and are having more and more people say they can't continue or start. We may well have t
        We were never a VC backed company so we were at a disadvantage to begin with. But being in a market with 3 oth
        I am in retail and I own two stores. I'm closing one, an ecoboutique because no one is buying except at 75% off an
        I used to employ six full time, 3 part time. Now, the business is closed. I was the last one standing, paying myself
-0.75   I am a real estate broker, belonging to a local Board of Realtors, an association of around 1,000 real estate salesme
    0   We're a single physician office. While we haven't laid anyone off, we haven't hired anyone for positions vacated by e
 -0.7   Between the increasing costs of goods and the already high tax burden, we will not be adding employees until we h
 -0.7   We are a product of offshoring. Now that the economy is crashing the importers are dumping over bought items on
        To be truthful our business has been "in recession" since late 2000 or early 2001. 2008 was just a continuation of th
  0.2   We were dead from October to June 2008 then in June it picked up. We have been very busy since then. We think it
        Were were on fast growth track until August, when we started to see the bottom fall out. We went from record sale
    0   It has kept my business from growing at what I projected. Other than that it's all good.
 -0.5   I am a general contractor and business has dropped drasticly, with 2009 looking extremely grim.
 -0.3   People are sometimes not willing to do even basic preventative maintenance items on their homes, leading to bigge
        People have stopped spending
        Class A General Contractor and Plumbing and Heating Contractor. There is no construction (we basically remodel an
 -0.3   As a photographer I have a set fee but some of my return clients are asking for a rate reduction or are hiring someo
 -0.5   Lost my biggest contract, reduced to one quarter of billables
-0.25   bummer all around
        We have been in business for 21 years. We bought an existing business doing approx. $90,000 gross annually. We
        Being very conservative this business has no debt. Will draw on line early next year for about 6 months.
        Business has been down since January, and almost non-existent since the end of September, with the exception of w
  0.1   So far very little we are in Upstate NY it has been a rescesion here for more than a decade. Homes did not go up so
        Being a land surveyor, I have been hit since 3Q07. My 50 yr old business has endured its worst year on record! N
        Rising health care costs, longer sales cycles, clients slower to pay, and clients not willing to expand business with ou
        I own a restaurant, which means I’ve been on the front lines of downturn. I saw the first signs of today’s economic
        Customers are spending less.
        We build and sell non-essential luxury goods (race horses). At this point in time, for most people, if it's not a necess
        More competition.
        I am the owner of an art gallery in Santa Monica, California. December 8, 2008 was the 17 year anniversary of the
        We provide consulting services to non-profits. Everyone is nervous and reducing their budgets and as consultants, w
        Sales are flat for the fall, expect them to be down in spring.
        I am an IT Consultant and generally only employ myself, but work closely with a small number of other independent
        Went out of business.
        I am a distributor with Isagenix, the World Leader in Nutritional Cleansing. Because it is word of mouth marketing,
        My last four months (August through November) have shown a 25% decline in revenues from the same period of la
        I'm in a green technology and now is when companies spend money to save energy......when they have to.
        We are a market research firm specializing in studies of how the economy is affecting Americans, especially in health
-0.05   We provide experts to high end business to business litigation. Our clients (law firms) clients have slowed the litigati
        We ship live Maine lobster all over the U.S. through out website SagamoreLobster.com. The price of lobster has cr
        We bought a business that sells a nd fabricates vinyl fencing. Our customers are contracter who install fences. We b
        sales down dramatically
        we're in furniture repair and restoration and the refinishing side is down significantly while the repair side is up sligh
        We have had to severely limit marketing expenses because sales have not been there. We pay commissions to our i
        Impossible to get working capital/bank financing. Very difficult to support the sales cycle (sales to A/R to collection)
        Greater focus on marketing our professional services
        We've been declining slowly in sales for years (peaked in 2001) but that's the industry we're in. December has been
        Customers are not spending at the rate that they did last year. They buy smaller items, and fewer items. I am in th
        no
        I'm a designer goldsmith. My work has decreased by 65% this year compared to 2007. The increase in gold prices
        I have a small travel agency. my "employees" are commission agents. thankfully, they have been able to wait for th
        This business is an auto dismantling business. We sell recycled parts to insurance companies, body shops, garages
 -0.3   Our business is construction-related. Because this is an upscale area, economic slowdowns don't really affect the bu
        We own a automatic,2 bay car wash. For 5 years,we have had a good business. We cannot meet our bills. Decem
        We are reorganizing to sell off our production equipment. We may sell the entire business, we haven't made a fina
        I am fortunate to be a physician in private practice so I have not seen as much of a drop off (actually have had som
        I am an insurance broker; the recession has caused people and businesses to quit being lazy about their finances. T
        We sell upscale tools & more for woodworkers. People must be postponing their projects or shopping on-line at disc
        Our Board of Directors who funds our overhead have taken a huge hit in stock market and we had to close down op
        Credit Lines Cut... In case of Amex... to zero...
        I have a small manufacturing company in Colorado. We manufacture hand-crafted Western-themed home decor ite
        For us it has only just begun. We expect a real downturn next year. We anticipate closing 2 of our 4 locations.
        I am an executive search consultant having worked at Korn/Ferry for 14 years and as a Partner in smaller firms for t
        We are a small law firm which represents injured people. The insurance companies are so concerned about their ow
        One of my clients (a nonprofit) had a significant portion of its endowment managed by Madoff's firm. They laid off c
 -0.5   not really at all
 -0.9   My business is a technology development company. For projects we start in-house, we need an outside source of fu
        I have had orders delayed into 2009 because of budget restrictions in the current quarter (Q4'2008)
        2008 business is off by 15% from 2007
        We work in corporate events and trade shows. One show has dropped off so far for 2009. We will see!
        We have come close to closing our doors many times in the last few months. As a 'retail style' professional services
 -0.2   I'm a one-person business, a graphic designer. I've been in business for 30 years, and have had up to 5 employees
        I opened a distinctive, earth friendly,retail, card and gifts shop in 12/07 with the best intentions, and though gas pri
        My husband and I have a small retail store, clothing and adult products. About 1/2 of our customers are 'exotic dan
 0.4    there has been a tremendous halt to enrollment in our student travel programs thru the months of oct and nov. We
        I am involved in Architecture and Real Estate in New York City, two sectors that have been greatly affected by the c
        Tourists are down dramatically and not shopping.
        We're a small PR agency servicing high-tech clients in Silicon Valley. In November, we lost 50% of our business due
        Absolutely. And I sell to the rich. I sell caviar, smoked salmon, foie gras, truffles, and mushrooms. Reagan was my b
        My family runs a small internet retail operation out of our basement. Our customer base is holding suprisingly stead
        Credit lines decreased, bank interest rates and fees increased, almost impossible to get loans. On the customer end,
        we are reducing salaries to prevent layoffs
        We are a non-profit home builder for the underprivileged. In 2009, as many as half of our homes will be built with g
        i am a two part story. I am a direct mail print producer and have previously worked on large quantity (500M-3MM)
        I am bracing myself for 1st quarter and not with a big hug but an armoured shield. As a wholesaler, my customer t
        In May, I moved my business a few doors down to a much bigger and nicer retail space. While the sales are up in g
        We provide business to business services for managing the storage and retreival of documents. Several of our regula
        We are in an extremely poor county in upstate NY - we had glimmers of a revival on its way in the next few years w
 -0.2   The thinning of clients is coming, so I hope we have enough to weather the next 9 months or so.
        X!?
 -0.5   I am a vendor to the building industry and my sales are now off nearly 90%
        My husband and I are freelance production professionals for corporate live events. Our billing is down 40% since Ju
  0.1   .
 -0.7   We are event planners. No one wants to look like they are spending money and no one wants to look like they are
    0   We design web sites. The amount of new business has almost entirely dried up. Our existing clients are what is keep
-0.33   We are a small, mainly business-to-business marketing and branding firm. Our biggest problem is that our clients a
-0.35   no
        Hard to hold on to old clients as they too are cutting back. New clients are almost impossible. We have been in busin
        We will have to take on the work that we had hired a third worker for.
        YOY Sales per customer down 12-20%. Making it up by increasing customer base, but it's all uphill.
0.15    I own a commercial janitorial business. In 2009 I expect to continue growing. The recession has made customers m
        There is relentless pressure to lower the cost of goods. So while our movement is up, casewise, our revenues are fl
        We are in the entertainment business - we own the Sutter Creek Theatre, a small historic theatre in a small historic
-0.25   retail is in a dismal state. We are trying to stay solvent in very difficult times.
   -1   I offer consulting services to real estate developers. Most(80%) of my clients can't get financing. Therefore, my busi
        Some say the entertainment business is recession proof. We do manage to keep working, but we have stopped spe
-0.25   Yes
        customers tighting budgets and using less services
        No story. Just a slowdown in construction.
        I provide graphic arts and communication support to large corporations. My largest client is experiencing cutbacks...
        I think we are very worried about the 2009 outlook
        We own a full service car wash. We noticed a slight downturn in business starting Nov. 2007. Since then we had a h
        I have a new business that was moving along well -- lots of press, hits on my website, interest in the product. But
        I will be laying of staff in Jan 2009 -- 2
        Huge increases with gas prices and other price increases for materials and supplies. I had to increase the price of ou
 -0.5   sales declined 50%
        We had a great 1st quarter in 2008, but nothing since. We will get by with what supplies we have and just ride it ou
        We own a home improvement design-build firm. Two projects valued at $200K and $75K respectively were cancelle
        I'm a well educated (graduate degree) self employed architectural design consultant hardly working at all at the mo
        Clients have basically stopped calling, the only work we have is left is finishing 2008 projects.
        Sales were fine until the end of July, when gas hit $4.00/ gallon. Even though I have strictly an internet based sales
        I started my company in 1995 and have experience several down turns, but this is the first time I'm looking at shutt
        since the market collapse, business has actually gone up. I have more than I can handle. And I'm not totally sure wh
        Drastic decrease in sales, layoffs and decreased spending on essential items.
        Fortunaltely we are in the healthcare staffing sector. Business is steady.
-0.15   I have survived layoff in my field, and started my own business. Estimated to equal my previous salary, but next yea
        We're an Architecture design firm. Our business has stopped, frozen. None of our clients are doing new work. Som
        My husband and I own and operate a restaurant that serves breakfast and lunch. We began two years ago. After s
        We're having to borrrow to stay afloat. We've cut staff to the minimum level needed to continue operations. Health
        Difficult to plan for the future.
        Orders for Christmas are smaller, two tourtiers instead of three, one pound of lemon squares instead of two that kin
        I service the real estate industry by the most part and my business has been hit along with them. The economy her
        I am working harder, as is everyone, for the same or less money. Everything, healthcare, rent, materials all have go
   0    We were a mortgage broker. our last application was in April 2008, Our last closing was May 2008. I surrenderred t
        the same story, banks I have dealt with for over a decade that won't lend money making a mess of short term cash
        My business won't make it. I probably should have already closed the doors, but I haven't been able to find a job. I'
        Most of U.S. customers have slowed or stopped buying. Most of customers are now foreign.
        to put it bluntly, we are now eating our seed corn just to stay afloat. lost our financing of 16 years (was never late
        We provide outdoor advertising promotions for Grand Openings, sales promotions, special events. Grand Openings
        Though we have not yet laid off anyone, we expect that will change within 3 months. Were we truly cold hearted, a
        small retail shop...no shoppers OR noone wants to spend.everyone is depressed ...can barely make utilities and tax
        Closing deals has gotten harder, people are being much more careful with their money. Additionally we've seen seve
        Everything is slow, but we didn't expect the severe drop.
        I'm an Interior Designer - that would be classified as a Luxury item. I saw business begin to decline in the fall and g
        We don't know if we will survive to see 2009.
        I am an interior designer and owner of my business. Nearly all of my projects have been halted or scaled back beca
        We have a home appraisal business and our orders dropped dramatically in early summer. We have not broken eve
        Video productions are down, even tho I make the videos for small business websites. Even with lower rates than TV
        no effect
        We live in Rhode Island, and the economy here is literally frozen in place. Dead, no movement. There is no money
        We are selling less gift certificates this year and see clients not returning as frequently.
        I have a small independent art and book store in a redevolopment area in Southern Virginia. I started three years a
        Everything has slowed down. It's tougher to make sales than it was in 2008.
        Sales contracted over 45% in 2008. We are a family run travel business, rising value of Euro in 2008 killed our busin
        I'm a home handyman/maintenence man. I employ older veterans, people on welfare/SSI/SSD/wanted criminals, (a
        By business open in November of 2008.
        loss of construction workers has hurt alot
        We opened a cabinet and top shop in June....If the media would just shut up with all the negativity,,, Let us go after
        Our customers have been hammered and, therefore, we've been hammered, too - we create "good to have", not "m
 -0.1   We're a small cafe and inflation killed us this year. While the "serious people" were saying there was little inflation, o
        Clients are opting out of projects that have been planned for months. The projects that come to fruition have had b
        We sell horse trailers, Inquires are down 50%. Sales are down 30%-40%
        some decrease in patient visits
 -0.5   For the first time in my life, I have had to go on unemployment.
        We are involved with education, essentially K-12, but also some involvement with higher education; also involved wi
 -0.4   Phones aren't ringing. Clients talking openly about money problems.
        We are considering bankruptcy
        I am a web designer for non-profits and creatives. I have not seen drop in work.
        daycare buisness seems unaffected so far
-0.25   I am an Acupuncture Physician with a practice in downtown Fort Lauderdale. Unfortunately the economic problems i
        I'm a college admissions consultant. My business (new clients) seems to be the same, if not slightly better, than las
        Design company sitting in epi-center of investor start-ups, mostly doing business in gentrification zone for real estate
        We remodel----our average job is $40,000. That's a lot to spend in today's financial landscape for most people, espe
        We are an alternative healthcare clinic. Our clients use their after-tax cash to pay for our services. Very few of our
        I'm in health market research and it seems minimally affected, pharma pushing for faster cheaper projects is the ma
        We are in the business of selling fresh vegetables and honey and bee hive products. Our business is growing becau
        8 years ago we had 20 employees. this recession started for us in late 2005 when we had 10 employees. by the end
        We may have to close our coffee shop, as we run on a very narrow margin, and peoples spending is down so much.
        residential carpenter.i mainly built new homes and now there's no new homes being built so i'm essentially out of bu
 -0.4   Sales started sagging first quarter 08. A lot of things could have been to blame. Some new competitors, our lack of a
        We provide computer programming to auto dealers. While we still have "orders" for work, payment for services has
-0.28   Looking to move manufacturing to Malaysia. Down turn of business coupled with the prospect of even higher taxes
-0.02   Has not affected my business
        None yet. Texas A&M University provides stable workforce and stable if not growing home sales.
        My father-in-law and I operate a cattle ranch - we raise registered Angus for breeding stock. We've been increasing
        We are a franchisee/ low cost health club $10/month...we expect business to grow as members leave higher-priced
 -0.5   no
        I subcontract to large firms in New York City in design and architecture. Almost every firm I work with has laid off du
        restaurant business in nyc.need i say more?
        I have a real estate title search firm. Prior to July 2007, our main revenue stream was closings on refinance and ho
        Difficult to borrow money to publish first in a series of prose+comics scrapbook novels, now previewing @ http://Th
  -75   fucked
 -0.5   auto related business. lending, lack of , for auto industry has cut my business 70-80% the last 3 mys.
        We were the owners of a national real estate home buying franchise. We purchased homes at a discount, renovated
        the last 3mos have been down 50% from last year. if it keeps up I will have to either change what I do or make dra
        I am a licensed professional home inspector. Business has been in the toilet for over 2 years. I expect business to im
        We are a profitable company dependent on a line of credit to fund operations. The credit problems caused a lender
        First two quarters of 2008 were particularly brutal before a mid-year turnaround. We expect similar business in 2009
        All but one employee is laid off. The two owners have not taken an income for 12 months. We are specialty retail in
 -0.4   business was trending up untill oct. of this year credit lines have been reduced or eliminated and the ability to financ
        I own an information technology consulting firm. While it seems there is no better time to upgrade hardware than n
   1    It has not affected us very much, if at all.
        This is going to have a ripple effect. We import Himalayan crafts, supporting a family. Import costs are up -- sales
        All salaries have been voluntarily reduced to minimum wage in an effort to save the business. We are hoping to jus
        2007 was down 10%, but 2008 is up 30% over 2007. 2009 should equal 2008.
        Business is down, costs are up. Clients are slow to pay. We are having trouble making payroll, paying workmans com
        I have been a headhunter and have thrived through up & downs since 1987. I have owned my business since 1991.
        Our customers are spending less.
        Worst I have ever seen-
        As a private dental practice November of '08 was a very bad month but I believe the downturn was not directly relat
        We had planned to add a person but will hold off to see how some of our client are doing. A few lost business and w
   0    worried sick
        In many ways I think it will and is a bit already, helping. First, it's a new product that most people have never even
        We provide reverse mortgages to seniors - a very good idea for lots of seniors. Things were going slow (due mostly
        No new clients. Old clients pay slow. Still working hard, might fail anyway.
        We are an online retail store. The number of sales has stayed nearly the same, but the average sale is down conside
        I have less clients since one of the services I offer is perceived to be an "extra" rather than a necessity (i.e., my dati
        companies are delaying decisions to engage our services - it started with waiting until "after the election" now they
        Our store appeals primarily to tourists and people moving into the area and building new homes. This holiday seaso
0.05    We are seeing our manufacturing and service based clients struggle to some degree. Fortunately as a technology co
        People are less willing to spend in general. I'm seeing a growing trend of customers who book first then back out la
 -0.2   Thus far we have been maintaining (kow) due to the fact that our service is directed at entrepreneurs. With so man
-0.25   Business has slowed in both we own. Harder to pay bills and credit card debt is increasing.
        We would have had to lay off employees if one hadn't passed away & another gone to jail w/o release. Health insur
   0    I have lost clients because many of them are small businesses themselves and they are closing their doors.
        I am a remodeling contractor. I hardly need to say more, but I have so much rage and confusion built up, and I fee
        It really is the true ripple effect. We have two small B2B magazines that cater to civil and structural engineers. The m
        I am in real estate. We have a classic good news/bad news scenario: dozens of agents have been laid off or quit the
        For twelve years I operated a successful violin studio in Ann Arbor, Michigan. The community supports instrumental
        I am in agriculture, farming and ranch. Fuel costs earlier this year have caused major cost increases for production.
0.15    It hasnt as of yet. We are in the remittance business and are not overly exposed to the Mexican market. That mark
   0    profits have shrunk considerably. 30 to 50 percent
        My interior design business is in the Denver area. Custom home building is down and pre sold building is almost non
        I own a graphic design boutique that specializes in creating presentation materials in a variety of formats. It's intere
 -0.5   Lost Wal-Mart account because they went from 53 vendors nationally to 11 in Lawn & Garden. Only very large com
        We have a very high overhead and the fact that the banks won't work with you at all is maddening. They get a huge
        I own a small bead, gem and mineral shop in Apache Junction, AZ we depend on our winter visitors for the biggest
        We are builders of high-end custom homes in Park City, UT an area which would normally be considered recession-p
        Concert ticket sales are off by 25 to 50%. Ticket prices have been forced down. Promoters are afraid to buy shows
        my business had served 7 southern states. after katrina, i took everything my business had and went to hattiesburg
        I own a personal chef service. The recession has caused 3 clients to cancel my service and I am having difficulty fin
        It's worse than 1982 and almost as bad as 1974
        Out of business.
        We are cutting back all non essential travel, reducing phone lines, communicating via e-mail, stopping most marketi
  40    My business started to decline during the summer. Of course, I assumed that things would pick back up so I increa
        People are being so careful about every purchase. I feel that it gets a lot worse.
        We have a financial planning business and our revenue depends on dollars managed, not commissions. In good tim
        I'm a clinical psychologist. At least a quarter of my clients/client families have been affected by the recession. Seve
        Until 2007, I had a business for over 30 years in California. I manufactured hand made art jewelry that I designed.
 -0.1   Slightly. We're in the writing end of corporate communications and bad stories need to be told just as much as goo
    0   We had a small Interior decorating business that used to average about >500K sales. We had to close in Nov.
        We have become more efficient and are tightening out belts. Laying off people or cutting benefits is the LAST thing
        Wholesale flower business. Market has gotten increasingly tough as the grocery chains and other places have gotte
 -0.4   I sell handcrafted jewelry. People just don't have discretionary income. Business is way down.
        Just in the last two months (Nov., Dec.) revenues have turned south to about half of previous months.
        Our retail store has noted an steep decline in business since Labor Day. Christmas season is off at least 50% from l
        I am a one person company which designs circuit boards for high tech companies, some in my area, others in other
-0.05   Less people are eating out.Buying less when they do.
        We saw this Recession coming a year ago. Our sales for the year are currently down about 40% but should be arou
        I have a hard time paying the rent. I have had to make business loans and now have tapped out on that o ption
        I am an acclaimed entertainment photographer. I'm the most published photographer in my genre. I have supplied
        We started our business in the summer of 2007. Our first year's sales were much lower than we expected, but we co
 -0.1   not as much as others as I am in the energy conservation business
        As a analysis firm for company data, many are not able to contract for help in this area.
        What recession? It is just impacting big Execs Bonuses, Inefficient car companies and investors who bought rental p
        We are an expedited freight company. With the Big 3 slowdown and the effect an all of their suppliers we could be
        we are a wine importer/distributor delivering to select restaurants and individuals, we have been in business since w
        I am an independent contractor, and just had my hours cut from 40/week t0 10/week.
        We were on a trajectory to vastly increasing profits. Now, we're not sure if we will be operating at a major loss nex
        In one word: India. We are highly skilled typographers who are losing business to unskilled, uneducated workers in
        things have definitely slowed but i am bullish in '09.
        It has affected it in the way that we are "estate gardeners" and our clients have been hit hard. Everything is relativ
 -0.3   Profitability has barely been maintained by consistently reducing costs as business has shrunk. We're running out of
        I am an artist. Art does not sell when gas, food, prescriptions and housing take all of your paycheck, if you still have
-0.28   If anyone has any extra money, he would be a fool not to save it. I cannot blame anyone for feeling this way. I do
        I own a small boutique in a resort area. I carry beautiful upscale lines. December is a month I count on to see me th
-0.05   it is a restaurant, so smaller customer base.
        i cannot make plans, i don't know what to expect, afraid projects may be cancelled
-0.25   small and medium business are very reluctant to start any software development projects; there are no new project
        This is the first month in 25 years that I have not had any sales. I'm now a one man show selling custom silkscreen
        I do sales for a fresh juice company in southern California, most of my clients are small business owners, coffee hou
        I have a freelance writing business. Our major clients are travel agents (who can afford to travel), home improveme
        fewer people buying pottery, smaller orders, smaller pots
        I own a compounding pharmacy, my volume has dropped by 15% and as patients lose their jobs I expect a cut-back
        Our sales are up 70% from 2007 to the end of 2008!
   0    We are a small business expecting to do about 1/4 million in 2008, will not get there and don't expect to do it in 200
        My husband and I own and operate a small retail bead shop in northern Florida bussiness has decreased by 50% sin
        re-aligned business focus, caused change in business model
        DLaldfk;LAKDSF;LKASJD;ks
        it's brutal. it hurts to cut people you love to work with who have been so dedicated
        Unable to launch new product line due to inability to get financing.
        We are an Internet Service Provider. The recession so far hasn't been nearly as hard on our business as deregulatio
        It is clear that fewer people have discretionary funds available.
        Medical practice. Clients are waiting until they are very sick to call and come in for treatment as opposed to 'nipping
        I'm a freelance landscape architect. I am busy right now but have no new projects lined up for next year. Most of m
0.15    2008 has been one of the worst in my 25 years in business here in the Great Plains (professional service business).
        I'm an independent teacher/trainer. For most of 2008 I have taught 4 classes a week rather than 5. I'm hoping to
        Money is tight, the availablility of money is non existant. Suck my cock please.
        I have seen sales decline. Our sales were off 25% from 2007
 0.1    At this point in time demand for my service remains strong to moderate, prices are weakening slightly
        deferred decisions as people focus on spending for basics or holding on to their cash
        November and December (so far) are down by about 50%. We will see what happens in the new year but it doesn'
 -0.2   so far I have not been impacted. I am up about 6% for the year , but anticipate a decrease in sales for 2099
        Because of the slowdown in my business, I had to lay off an employee who had been with me for 10 years.
  -10   We are in the retail nrsery and small scale landscape trade. the landscape trade is off 50% and the retail trade is off
-0.45   No retail business construction.
       We are a family run pool and spa repair, service, and remodeling business in the Phoenix metro area. I have been in
       No affect so far on profits as large customers have not cut back, but increased use of contracted services.
       It's hard to get paid. People are nervous and can't make up theri minds.
       Things have to get better.
       I am a landscape designer. The credit crisis halted the flow of HELOC money which people used for home improve
       wine sales have slowed in the $25-40 range our $12 bottle is going strong
       Fortunately, the recession has yet to affect my business. My business is natural gas production as well as engineerin
0.2    I own a auto body repair shop. I have 1 person that works for me. I have watched my business decline every year
       have not issued an invoice since Sept. 2008. There is NO business.
-0.3   bad
       Closed the factory, sold most equipment, moving out of my rental apartment to stay with friends while I reinvent my
       I'm so small, even in tough times I can grow. Right now, I'm making it my mission to insource things that were prev
       I do small business marketing consulting. When small business finances get tight, consultants are usually the first to
       Mostly in the early part of the year, as fear more than reality guided things. Really bad middle as actual crunch happ
       i have a dog day care/dog walking service. i also provide care for pets while owners are out of town. I am a returnin
       --
-0.5   Lost ALL my high income customers
       This fall, we've been down about 18% from 2007
       We have a house call only companion animal veterinary practice. Many of our clients are declining their routine app
       As a contractor and cabinet maker, I can say with certainty that the recession for the building industry in California s
       Can't get credit to pay for equpment. Customers are leaving for cheaper providers.
       Was affected in the early part of 2008. Not sure if it will affect 2009 or not.
       I'm in the apparel biz....nuff said.
       I write Internet content and sell oujt-of-print books on the web as well. Book prices have plummeted, so I have to s
       My credit lines are being reduced as I pay them down. I will be unable to respond to business opportunities if they c
       We lost a bundle in the stock markey which affects retirement. We deal mostly in government contracts so we think
-0.6   Small home services company just big enough to think of franchising after 20 years reduced to Mom & Pop status. W
-0.5   I own a sign shop catering largely to realtors and developers. They're selling nothing so I'm making nothing.
       Small non-profit theatre. Contributions are down. Attendence is down. Whether actually affected by the current eco
       Sales have just started declining this month for us. We don't have Xmas type products which means that sales alway
-0.4   Can't find any new customers. Can't keep the existing customers. This is as bad as I've seen business in 50 years.
       I have contracts with clients through June 2009, and none have renewed contracts as of the end of December 208.
       hanging on by a thread....started w/everything we had ever saved in 2004, just really getting it going & was expecti
       I have had multiple clients push out contracts or indicate that they will not take a bid. I now have former colleague
       I expect my sales to contract, but I honestly don't know by how much. I am at the point where, if they contract mor
       I am an owner of a small surgery center that specializes in elective plastic surgery. My story may not be as interesti
       I find more reluctance to spend money
       As a tutor, focusing on English and Study Skills, I have recently found that some families are cutting back or even st
       I am a psychologist and am as busy as I have ever been with very stressed out people and relationships.
       Sales have definitely slowed down in the New York market, but may be offset by entry into the Boston, Chicago and
       Slower commitments to bids, reduction in scope of bid work, slightly slower payment, less resistance to higher price
       I repair and maintain apartment buildings for property managers and owners. Here in San Francisco, the vacancy ra
       No new orders, receivables at an all time high. Most of our clients are 30 to 90 days late. Only relief has been the g
0.5    Nothing to tell really, we are a small start up, so our sales will rise as we put forth the effort.
       It's been a good year, so far. But with the constant drumbeat of bad economic news it's had to believe next year wi
       We make rocks and trees for zoos and museums. Our business has come to a complete stand still and we are living
       I am a dairy farmer. That is, contrary to the ignorance revealed in the nature of the questions in this surbey, a sma
       I own a small publishing company. Authors pay for services, and get their book in return. Customers aren't buying b
-0.2   we are in construction-the market has collapsed, what we are doing was already in the pipeline- the future is dark
       Yes. We deal with public and private schools, whose budgets have been reduced. Less schools are using our service
       We're finishing the second year of a new consulting firm that provides practice management advice to professionals
       I make equipment and tools for jewelers and metalsmiths. We are the canary in the coal mine. www.knewconcepts
  0.2 Fewer people walking through the door.
 -0.5 Our Segway sales are half of what they were last year.
      We are green building consultants - business is booming, although some of our clients are a little slower to pay than
-0.16 the economy in our area has been soft for several years but the last 12 to 15 months have been extremely difficult a
      I am a sole practitioner attorney, formerly a corporate lawyer for Citigroup. I have always focused my private pract
      Material costs up, freight up, sales down. Slow pay customers, no pay customers. Consumers cutting back.
      We are a commercial production company - we work with advertising agencies. Their budgets are being cut, so the
 -0.5 We are self-employed artisans and havve very wealthy clients...All have pulled back on commitments made.
      We are doing more service jobs. Contracts are taking much longer to complete due to the extended length of time
      We will have to work harder just to stay at the same level next year.
      I own a very small cake shop. We specialize in high-end special ocassion cakes and wedding cakes. As people lose
      we owe more of our vendors than ever before. We have used credit cards to make payroll twice.
      Our travel business has been hopping - through the heart of the downtown, with fantastic sales, even this week. Bu
      People seem more hesitant to buy.
      Work for myself...import shop...had to close...now trying to unload leftover merchandise on ebay. Disaster. If I had
      Oddly, our big crunch this year was in the first part of the year. Since July, we have had a ton of work and have mad
      I am relying on old customers for work and fighting harder for new ones; I'm not sure what will happen in 2009.
      yes. as a vendor to major retailers, they are unilaterally extending terms and demanding price reductions or cancelli
      Has not been a problem yet.
      I own a web development company. My revenue in 2008 was below that of 2006. I had several of my clients default
      Fortunetly, we service a middle sized market. Prior to the recession many of our new leads for business came from c
      we are struggling to pay bills, we are in a service industry, and people are fearful, and stop using the services we pr
      We make horseshoe nail sculptures . Orders have increasingly declined as stores fail. Inventory doesn't sale as it did
      We are an interior design firm specializing in restaurants and high end residential. We have had an outstanding 200
      Small, family wholesale plant nursery that was steady before the real estate boom, soared during, and has now with
      People not buying homes and cars has put a dnet in my insurance business.
      AS the owner of a contemporary art gallery for 23 years, most people will think of ART as frivolous, when the rever
      I work fixing up rental houses for real estate agents. Our business volume has increased, but there is downward pre
      We expanded our business doubling our service capacity this past summer. We are in the black but running 20% be
      We had to close our family retail and service business of 30 years due to the bad economy. The downturn in the eco
      We have been successful in a rough sea because we have prepared for the recession the past two years. My concer
      I own a hairsalon well established in the area.People are stretching out the time between visis, opting for less expen
      Everything seems to be in paralysis. Nobody is moving forward. If you have business, make it last as long as possibl
      I am a sole practitioner communications/media relations consultant whose gross revenues dropped by 30% last yea
      My husband and I own a small pub since 2000. This year has been the first year that we have had to cut back staff
      I am a computer technician and although I have maintained the same amount of billable hours, payments from clien
      Our sales started to go down in March after the demise of Bear Sterns. Business has continued to go down since th
      Property management of single family homes. About 30% of my clients have let thier properties go into forclosure in
      I own and operate a campground - a seasonal business. Our market changed last summer with high gas prices and
      Sales are down. I mainly finance my business with 7 credit cards and a couple of signature loans ( at high intrest rat
      My wife is an acupuncturist and I run the money. We noticed the recession about Sept., 2007. We end the year off 4
      As a literary agent, I have already not been able to sell projects which would have most definitely sold in an earlier c
  0.5 We tried to "recession proof" our business about a year ago by expanding into new markets and diversifying our clie
 -0.5 We have a decorative woodworking business, and nearly all of the construction here has come to a halt, so our prod
      My word of mouth and referrals are saving me. Advertising is just not pulling new business
      sales have slowed quite a bit. and, what we are mostly seeing, is that the decision periods are much longer. People
 -0.2 We are in the printing industry and things are very slow. We are finding that clients have cut and are cutting back o
      I run a tax & bookkeeping service--no employees, just me. I expect people to be using volunteer tax preparers or th
      We're a small software design company. We had our largest customer stop paying because an important client of th
      We provide a discretionary service. We are a new business expecting to grow dramatically during this start up phas
      I see that people are reluctant to spend money. We have to market more aggressively to bring in more customers, s
      sales stopped ,people stopped comming in and who ever comes, in you feel thay are just looking or they want a bar
        Although we have a small staff of 17, when a long time employee leaves in January we will not be filling the position
        Business is insolvent, I am trying to sell it.
 0.2    As we are metals intensive the drop in material costs has been good for us. Most of our projects are ongoing with f
        Sales in the US were down about 50% in 2008 compared to last year. We compensated by growing more than 50%
        Our restaurants have seen sales slide from 2 to 25% (depending on location) from the day gasoline hit $4.00 and th
   0    gross sales down 25% over 2007
        I have a small clothing boutique in a downtown, Main Street area. It seems like no one is shopping anymore. Smal
-0.25   we will close our shop in feb 09 unless the ecoomy turns around
-0.15   We are a small group tied to the automotive industry. Although this year started out great, the last two quarters ha
        It's still unclear. I did have one client bail on a contract for 2009 due to a change in their circumstances, but I think
        We provide print material to a group of sales distributors for a moderately expensive nonessential product. It's quite
        There are only two of us in the business. Since we don't know what to anticipate within our industry (landscape arc
        The current recession has led to an explosion of work and increased revenue. May have to increase staff hours or a
        What your survey doesn't ask is about the reductions in staff we have already made. We have let staff go through a
        The per item purchase has decreased to under $50.
        I was an advisor with Merrill Lynch and knew things were getting shaky by the end of last year. I was laid off in Apr
        I have owned an retained search firm for the past 6 years, started in the jobless recovery in 2003. We grew to 8 em
        I have run a successful, profitable staffing service since 1987. I grew to three offices and a staff of 14. Our commu
        The recession hasn't hit me at all. I'm a freelance designer, and people are still buying my product.
        We cater to upper income clients and have difficulty collecting AR's which has a very bad effect on our bottom line.
        So far, it has hurt profits for sure, but not yet to the point where we are cutting back staff. It certainly limits our gro
        We've had a great year and were planning to grow: new equipment, larger building, more people. The economic n
0.08    We had sales growth of 15+% per month through August, then saw declines of that amount through November. Lo
        Severely curtailed spending, business and personal
        We are a small electrical contractor in the midwest. We specialize in commercial and industrial work (no residential)
        our business has been stable the last year. we are in the exterior cleaning and truck washing business.the price of fu
 -0.4   23 years in business, no 24th
        Overall, business is down about 15% for 2008 versus 2007. People are spending less on purchases and we don't se
        My business has very low overhead and has always been run in as thrifty a way as possible. I think that's been exce
        It has killed us, on one front, on the other it has helped, I own a mortgage company & an insurance agency, I boug
        Last year was our best year to that date. This year has been even better (we are a small clothing retailer 1/2 consig
        my husband and i have a small mom/pop bakery and business has gone up as our prices are cheaper than the bigge
        sales are off, and customers are taking longer to pay on their invoices.
 0.2    I started my own business selling organic botanical skincare. I've been telling myself for the past 3 months that I'm
  -1    We are a small historic preservation renovation contracting firm. Our clients typically pay out of savings, and since w
        I am a contracted computer software consultant and have been only working part time since 9-15-08. Usually by no
        I am a freelance photographer/journalist. The papers are laying off, other agencies have more money to generate v
 -0.2   I am a breakfast/lunch business and though weekdays are down substantially weekends can be good. Here in New
        We are architectural technical consultants to mainly high rise and large scale construction projects. These projects a
        We have seen a significant drop in our business which has caused us to cut hours for our employees.
        My business is selling wine. The downturn has helped sales on my less expensive wines, but hurt in the $30-$50 ran
        We are a multi-media company producing audio books for niche markets--classics such as Henry James, psychology
        The clients who do pay now stretch 30 days net to 60 or 90 and some have gone out of business. I can't get a busi
        Made me more aware of just how much harder and smarter I will have to work.
        I've lost about 30% of my business since Sept and expect that figure to grow over the next year.
 -0.2   It has had a tremendous impact on our sales. We are on the verge of going out of business. The landlord won't lowe
        Finding Capital and clients who have cut back on products ordered.
 -0.2   We own a small babysitting agency in the Southern California desert resorts area. Business has been off for the past
        we all took a 10% pay cut. I was going to give a year end bonus, I am not doing that. I hoped to hire 2-3 more fo
        The demand for handmade jewelry and artwork is way, way down.
        It has not affected it yet.
        I'm a full-time watercolor artist and work out of my home studio/gallery. My sales have taken a dramatic slide since
        Surprisingly, it is difficult to find sales people -- even the less-than-successful ones who presumably have been swep
        I saw this recession coming and did my first 3 layoffs in March of 2008. The other two were 10 days ago. We are a c
   1    Not yet; somewhat insulated because my firm does work for DoD. It's coming, though
        n/a
 -0.2   Our business is down 30-50%, no money to borrow customer expect yo to work for free health Insurance cost going
 -0.5   There are very few individual buyers and the larger corporations we have partnered with in the past are either reduc
        We are a small environmental company with local government contracts making up the bulk of our business. So far,
 -0.2   We have good years, we have less than good years - for over 25 years now. We don't make a fortune, but are able
 -0.2   Yes, Our business is home furnishings. It has been declining for 5 or 6 years. We are now off 38% from our peak. W
  0.2   Not yet. There seems to be more work lined up for next year. However, my concern is that my client's client may su
  -20   When big companies stop buying, small companies stop selling!
        My business is already closed. A food business. Food prices went up, people stopped spending money on luxuries. A
        Kindred Spirits Wellness Center is our business. People are not buying nor are they attending the class we depend o
        2008 was the best year my company has had in a decade. We were going gangbusters til mid November and then it
        I'm a real setate agent specializing in relocation - my sales this year are 2% of last year - relocation has largely dried
 -0.1   Everybody's scared and the media makes it worse.
        We are in the construction industry in Florida. Hardwood Flooring. We are directly impacted because many view th
        We are a "Made in America " clothing company. It has become increasingly more difficult to get orders...never mind
 -0.4   Sales of new furnaces has dropped 80% compared with last fall. Luckily we picked up some contract work at a near
-0.33   Definitely. We sell industrial supplies that are directly correlated to industrial and construction activity. When times a
        Business is probably down 30% from first half of year. This is sort of a re-invented business and was doubling sales
-0.15   HAVING VERY DIFFICULT TIME GETTING BANK CREDIT
n villages. As a S-Corp for 15 years, mostly land based work until last year and now it has shifted to Marine and renewable energy projects.
 ough to adapt, BUT THIS IS INSANE
of customers, increased cost, lack of credit, drop in orders, more competation,.

ay get through this catastrophic period.
s happened before (I'm a freelance sound editor, and apartment building owner)
 on our clients (if not owner-occupied) ability to close escrows.




 . In some cases it is taking more than a year for my listings to sell. My husband just divorced me after 28 years of marriage, partly due to f
furnishings buthe siness who are buying. are they staying home more ? are they nesting ?        we will inevitably see our sales contract in the
furnishings buthe siness who are buying. are they staying home more ? are they nesting ?        we will inevitably see our sales contract in the
  Stamford, Ct. Sales are so sluggish that we have not even made rent let alone anything else this year. We are reducing our leased space,
apy. My practice is neither more nor less busy, but overall my clients' problems have shifted in the past year to include more economic stres
. 50% of the business in 2006 and 2007 was for NGO's in subsidized work force housing programs. In 2008 that proportion was 75% beca
n this environment? If we're very lucky, we'll survive until things get better.

 increase in mine
   a big hit and so have we and our sub cont. customers.
hester County, NY. People are paralyzed. In our normally congested and bustling downtown, there are parking spaces on every block now,
 systems building and creativity for small business has made us the very best ad-dollar value that exists. Over the past year, our company ha
 think it will be slow 1st quarter 2009 and if the sky doesn't fall I'm guessing it will pick up and be an OK year.
m lots of money, they're driven by the general economy. lots of them are shutdown with no ide when they are going to reopen. since i don't
e in the drivers' seat with publishers.
  out of my SEPP account to keep the business going.
evious to the "dotcom crash." I have limped along, using freelancers when needed, but closed my business last year. This year I have freela
 a good cash reserve.
  for 2009 but so far we are on pace to set a revenue record this year.
  of diversely-talented freelancers. We are IP and product creators by trade, who focus on core ideas and outsource what we need from skil

 a, financials, real estate, government, and high tech companies. Our first three quarters were pretty good, but in October, the phones stopp
 h others in my business in 2008, but I look like I'm going to be equal to what I did in 2007. The hotels seem to be doing OK for the big w
 ek shutdowns and reduced over time. They have also cut back on any non-critical repairs.
d business offers. My small business is a Medical office.
hings like teaching or getting production contracts when things seem to be lean at my galleries or in my studio sales. I have to constantly se
g for the last 2 years, finally the bottom fell out in September , Two of the jobs i was on were shut down because of losses by the owners on

t has put a hit on income considerably. Also take into account fees, permits, gas prices hitting almost $5.00 a gal. took a huge chunk of inco
g how to use the yarn, are 'comfort food'; threrefore, in a downtoiurn people have a need tostay close to haearth and home and turn to to k

 lients have doubled their services. I expect clients in 2009 to reduce service but not to leave entirely.
 me clients are leaving,... abandoning relationships for discount offers. We will operate at a loss this year. We are cancelling new purchases
 s been cut in general and also the principals are using the $ for other things and not arts.
mily homes have stayed stable but the phone has stoped ringing. Because I am in a desirable area I expect some bussness but not at the vo

 den cost of food production and transportation. I have noticed an an increase in positive resonses from retailer about the benefits of supp
cession on our clients. Most of them seem to be in good shape; almost all of us are apprehensive about future business growth.
Now many orders are being cancelled, still had a good year because I have a "green" company-but worried very much gift stores will have
nomy. THe companines are cutting back on the work they give my firm.
 king all shifts by ourselves - about 16 hours a day - to get by.
 w. People are just not spending money. Credit for customers with strong credit rating is still out there and at very good rates. Credit for tho


he credit crunch which has given a little company ($800,000 rev) major cash flow problems. I had to lay some people off to make payroll.

ng on this year. I don't know if we will survive and it is a shame!
 years and had trememdous growth for 15, the last 5 years has been down about 5% each year until 2 years ago and now we are down ab
y( 8 days of work ) and February( 5 days of work ). So long surplus, hello deficit. In home improvement these days, people only call if it's sp

 seasonal business, so we rely on loans until the season begins. The cancellation of credit cards has been random, not based on anything.

 ashed paychecks and NEVER cashed unemployment checks have been laid off and are now cashing unemployment checks. the unemploym
munications. The recession has colleges hesitant to start fund raising campaigns but they are moving forward. Online marketing has taken a
 good, they've got no cojones now. We're going to private banks for funding.
 btain part time employment because business has been down. When the economy goes south, health is the first thing that people cut on u
management services these days.


ventories is difficult or unavailable


 p us going for now.
ne to me have been kept in house. I'm seeking clients in different industries to make up the difference.
 lly lay off up to half of our employees. Only time will tell but I think for sure that 2009 will be a very bad year for my business. Very, very
08..27 employees, $18 k in property taxes, $290k in sales taxes selling small construction equipment in Baltimore metro, owned the busines

 even though I've always paid my current loan payment on time, the bank won't even redo our loan to give us some relief. I haven't paid
r accounts. The last 1-2 years we've also seen an increase in clients going out of business.
anything. If we don't get a big customer soon, we will have to close our doors and we've been in business for 27 years.
 as outrageous but large businesses still refused to budge on what they paid per mile to deliver product. I almost went under because large
  children. I'm a self-employed mother of 3 small children. Come the Fall of this year I will no longer have to pay a large portion of my salary

 from my clients' corporations as to how my clients can allocate their budgets. This means that not only will contracts come under more scru

  have lost a great deal of their wealth and are cutting back on things like golf lessons.
y fashion, if at all. Cash flow is a huge problem. Our profit margin is thinner than ever and when this converges with cash-flow, it is ugly. Th
 are in do do before getting their accounting act together. Also my location does not follow market trends as it is a resort town.
 stomers have taken a huge hit from the economic downturn, as a result so have we.
y of my clients are small business in retail and real estate and they have had a huge set back by the recession. I'm probably going to have t
 uge issues with our client base slashing all their budgets, killing projects, and worse yet, simply not paying their bill. everyone is sitting on
 first one, I lost my architecture practice and had to do short sales on 2 properties. The second one, I had to file bankruptcy. This one, I ha
 distributors, in turn, sell exclusively to food service operations (hotels, restaurants, delis, cruise lines, school cafeterias, etc.) most of our sa
 and for the last 18 months, I have received 5 (five) phone calls for our services. No amount of money spent will bring me positive results.

 strong financial and human base during the good times. We are going to survive and come out stronger by using those resources and poac
aises this year. I'm looking for ways to cut back without cutting hours or benefits, and have reduced my own compensation.
l restaurants, markets, franchise restaurants, schools, and such. When their business is down, so does ours. So when people don't go ou
 pplies. The products that we sell do not comptete with the big box stores. We are in our third year of business and the recession has slow
  which is somewhat insulated from the recession.
 mers are now 45+, and our only reliable cash flow has been our COD and credit card billings. We will be offering a 3% discount for any ord
  off noticeably.
0 and 90 days. Customers are taking longer and longer to commit and even longer to part with their money.
 e day the Washington Mutual went under, our sales died. October 2008 was down 35% from October 2007. Fortunately we have not had t

  months of 2008 due to customers' expense reductions.
axes from sole proprietors. this is cutting into my meager income. It's not fair, and this pain is courtesy of the GOVERNMENT, not the privat
h for a Merrry Christmas.
 e or start. We may well have to close next year.
 t being in a market with 3 other larger Entertainment firms is tough. We knew that from the beginning. But companies are no longer puttin
 s buying except at 75% off and who can stay in business at that? The other is holding on but just barely.
t one standing, paying myself and last employees from my "retirement" fund. The retirement money ran out, so now I'm unemployed, and
und 1,000 real estate salesmen and brokers. I will tell you this: about 12 years ago, the Ohio Assoc Realtors began teaching Realtors "how
 one for positions vacated by employees who moved or retired. In 2001 we had 5 full-time people and 2 part-time; we now have just 2 peop
  adding employees until we have a larger tax reserve; that means we will not add insurance benefits or hire other employees until 3Q 09. I
 umping over bought items on the market at below product material cost prices. Panic time.
8 was just a continuation of the overall bad business climate in the US. We are a business to business company and large corporations have
 ry busy since then. We think it mainly has to do with our change in strategies, tightening up of our focus, and greater relationship networkin
out. We went from record sales months in June and July to just barely making ends meet by November.


 their homes, leading to bigger, more costly repairs.

 ction (we basically remodel and renovate usually upscale homes). Plumbing has slowed and most work is related to repairs or appliance ins
 reduction or are hiring someone cheaper with no experience. No one seems to care about quality or service anymore. It is all about finding


 . $90,000 gross annually. We grew that business to it's high of $500,000 gross annually employing 7 people at it's peak. Within two years
 r about 6 months.
 ember, with the exception of what I assume will be a short-term up-tick right now in advance of the holidays. All my advertisers are reporti
 cade. Homes did not go up so they did not fall. No MFG to speak of so the same.
 d its worst year on record! No debt yet, but I hope to be here Christmas 09.
 ng to expand business with our company - these are the primary ways in which my company is being impacted. It's frankly been devastatin
  irst signs of today’s economic troubles in April 2007, well ahead of last summer’s bad news. Back then, I lost customers who teetered on th

 ost people, if it's not a necessity, it's not being purchased.

 he 17 year anniversary of the gallery. I cannot overstate how profoundly sad I am to have had to lay off staff members and reduce the h
  budgets and as consultants, we are often the first to be cut.

  number of other independent consultants. We mostly worked for Sun Microsystems, but that link has totally dried up. In fact, I've taken a p

  is word of mouth marketing, we are not adversely affected by the economy. In fact, network marketing companies thrive in recessions wh
 es from the same period of last year.
 ...when they have to.
 Americans, especially in health care. So far, the stories are terribly sad but we've been spared.
 clients have slowed the litigation process and are not assigning as much work to the experts, particularly the pre-trial portion of the process
m. The price of lobster has crashed and we can now offer more affordable prices to our customers. We have used this to help local fisherm
 acter who install fences. We bought the business in the first week of July and had a terrific month. Sales slowed in Aug and the bottom fell

while the repair side is up slightly. We have made a conscious effort to increase our web presence and that has provided a new income stre
  We pay commissions to our independent salespersons, but sales have not been there because clients cannot get financing.
cle (sales to A/R to collection) without financing. Relying more on extenede terms from vendors.
 we're in. December has been our worst month in a long time but January is usually bad for us. We'll see if this is a trend or just an "early J
 s, and fewer items. I am in the antique business, and it is depressed more than I've seen in 30 years.

 7. The increase in gold prices and the layoffs in my area ( janesville, WI ) due to GM closing their plant here, and the closing of several com
  have been able to wait for their pay checks. i cashed in my 401k in order to have cash to live on. i have not taken a salary in 2 months. I a
mpanies, body shops, garages and to the public. Our volume of telephone calls has dropped considerably, and of course, it affects sales. Mo
 owns don't really affect the building business. However, even the rich are not spending their money right now. We may not survive 2009.
cannot meet our bills. December is always a great month. $11,000 last December. For the first 2 weeks this month $800. There is no disc
 ness, we haven't made a final decision.
 op off (actually have had some growth). Unfortunately, some of my friends in the business/wall st world have reduced the schedules or hav
ng lazy about their finances. They are now shopping for better rates and coverage. This shopping stimulates providers who now have to reth
 cts or shopping on-line at discount retailers because they're not coming in!
  and we had to close down operations as we can not insure that we can meet payroll and we cannot take on any liabilities. We have fired ou

estern-themed home decor items, most are welded spurs and horseshoes. My customer base is primarily small Mom-and-Pop gift shops alo
 ing 2 of our 4 locations.
a Partner in smaller firms for the past 7. My business has remained steady or grown over the past five years. I decided about six months a
 e so concerned about their own liquidity that they are stalling on negotiation settlements. Cases which have clear liability and small insuran
y Madoff's firm. They laid off consultants such as myself even before the Madoff scandal due to a general decline in their investment portfoli

e need an outside source of funding (investors, industry partners, government projects). Those sources of funding have disappeared. Also w
 ter (Q4'2008)

 009. We will see!
 ail style' professional services business, if customers do not begin using our services more soon, we will have to close.
  have had up to 5 employees in past years. Since the last recession after the dot-com bust, I have trained myself to be proficient in the des
 ntentions, and though gas prices were climbing, and I was underemployed in my chose career as a librarian...an expensive MLS Masters de
 our customers are 'exotic dancers" When business is slow for them, they buy less. Usually only the necessities.
he months of oct and nov. We expect jan and february to be better.
been greatly affected by the contraction of the credit markets. My own work is severely impinged, and anecdotally, all of my fellow small sca

e lost 50% of our business due to client cuts in PR budgets. The cuts were directly related to the current economic crisis and what we all be
mushrooms. Reagan was my best years, but I was doing okay until 9/11, when I lost 2/3 of my business. I had built back half of what I lost
 se is holding suprisingly steady - our big problems right now are credit and flaky (Chinese) suppliers.
 t loans. On the customer end, more late payments which delay our payments to suppliers, in turn affecting our credit rating adversely; proj

  our homes will be built with government funds rather than private donations from businesses. We're grateful that we have that resource,
 n large quantity (500M-3MM) programs. Over the past few years, the web has replaced many of the direct mail programs I have worked on
s a wholesaler, my customer the retailers are just dead quiet and paying net 90, not net 30 and they are scared!!!! I try to remain positive
ce. While the sales are up in gross, the profit is way down. We are barely hanging on. I am, however, thankful that our market share seems
 cuments. Several of our regular customers have decided to hold off on any new projects and new prospects are just not doing anything.
 s way in the next few years which will not materialize now and we are all scaling back in anticipation of no growth, increased taxes and mo




ur billing is down 40% since June of 2008.

ne wants to look like they are celebrating.
xisting clients are what is keeping us going for now. Smaller companies we do web sites for (particularly real estate firms) are closing their s
 t problem is that our clients are large firms who are having problems getting credit, therefore are cutting back on projects and are slow to p

 ossible. We have been in business for 30 years and this is the worst I've ever seen it by far!
 it's all uphill.
ession has made customers more price sensitive, but that has not affected my growth plans for 2009. In fact in 2008 I had two former custo
 casewise, our revenues are flat. But as the case movement increases so do our costs. So there is pressure on the margins. As an importe
oric theatre in a small historic Gold Rush town - Sutter Creek, about an hour southeast of Sacramento. We depend on out of town visitors (

  financing. Therefore, my business is almost non-existent.
king, but we have stopped spending and re-investing in infrastructure (software, hardware, equipment, etc)




ent is experiencing cutbacks...trickledown, trickledown...I'm hoping they don't go belly up. If they do, I do. Things are getting tight, but so f

. 2007. Since then we had a huge drop-off when gas prices went up over the summer. It was just showing signs of rebounding when the cr
 interest in the product. But Christmas was a lot slower than these factors would suggest. However, I am managing to stay afloat keepin

had to increase the price of our services. This has resulted in not as many jobs for the employees. Clients are not able to except the bids. Bu

 es we have and just ride it out. No new projects or designs.
75K respectively were cancelled by the owners this Fall directly due to the performance of the financial markets as people became reluctant
ardly working at all at the moment compared to 40 -50 hrs a week. Many large and smaller projects are on hold pending financial stability

 trictly an internet based sales company (selling baseball caps), sales dropped off in August and are gonig lower each month. Christmas sale
  first time I'm looking at shutting down.
dle. And I'm not totally sure why. Possibly, people are trying to make sure their 2008 budgets are spent. Won't really know how this will affe


y previous salary, but next year doesn't look too good. Housing ind. slowdown has hurt entire construction sector in San Diego.
ents are doing new work. Some because the financing didn't make sense others are simply sitting tight waiting to see what happens before
 began two years ago. After seeing a 50% increase in our business after the first year, our customer base and our sales have dropped by n
 o continue operations. Healthcare costs have been killing us for years, and now with the economy in recession, we are desperate for busin

quares instead of two that kind of thing. But more orders. In biz 5 years.
 with them. The economy here in Colorado is not as bad as esle where...but we are seeing a slow down
re, rent, materials all have gone up. My retail store has many people coming in to look, but now they hesitate to open the wallet.
as May 2008. I surrenderred the mortgage license in August 2008 after accepting a job with a large national company. Articles of dissolution
ng a mess of short term cash flow. cut my own salary eliminate benefits and paid vacation days. just trying to survive with no help in sight
en't been able to find a job. I've been looking for 6 months.

g of 16 years (was never late on ANY payments.) had to get bridge financing at usery rates.
ecial events. Grand Openings have dropped off as many businesses are not starting up in this environment -- both with national chains and
 Were we truly cold hearted, analytical and looking out for what is best for us personally, we would have laid off at least one and reduced an
n barely make utilities and tax payments and loan payments....not much money for food...no new projects going forward...just rehashing ol
y. Additionally we've seen several clients go under, meaning we've had to hustle to find new work.

egin to decline in the fall and go down from there. I'm looking forward to February of 2009 as the beginning of a turnaround.

een halted or scaled back because of the economy. I have been looking for outside consultant work to subsidize the lack of projects I curren
mer. We have not broken even since May 1. We are closing at Christmas. At the beginning of 2008 we had 4 contract employees and I ran
Even with lower rates than TV advertising, business owners are pulling back on their advertising which affects me and my crews. I usually h

ovement. There is no money on the street, mall and retail traffic is weak, and people are holding on to what they have and spending sparin
rginia. I started three years ago and may have to sell my building this year, but since the economy is so bad, I may loose everything we pu

of Euro in 2008 killed our business.
 SSI/SSD/wanted criminals, (all under the table). I'm a people recycler. Mostly right now, I'm having enough trouble finding ANY work, even


 he negativity,,, Let us go after our own energy... Stop with the hysteria of global warming ,,Let people know there is money to lend and bo
 create "good to have", not "must have" products
ying there was little inflation, our receipts showed a very different story.
at come to fruition have had budget reductions. I am scrambling to find clients that are not affected by the recession as much. I am also w




 er education; also involved with green education. We have partnered with companies and organizations who will continue to help underwri




 ately the economic problems in South Florida are so murky and deep it will be a long time before small business will stand on its feet in this
, if not slightly better, than last year. Families who have retained their children's colleges funds still seem willing to spend them on professio
 ntrification zone for real estate-related investments. Mergers are occurring with other start-ups in attempt to improve chance of survival. W
ndscape for most people, especially considering their portfolio has shrunk by 40% with no end in sight. Plus, the small jobs----$3,000 to $10
our services. Very few of our services are covered by insurance and those that are covered, have very low reimbursement rates. Therefore
 ter cheaper projects is the main effect. Only my 4th quarter numbers are down, otherwise the year was strong.
Our business is growing because people don't trust the commercial food markets anymore. Everyone, even in a depression need to eat and
had 10 employees. by the end of 2006 we had 8 employees as the building industry slowed. we carried 6 full time people in 2007 and 2 coll
es spending is down so much. We are working 65-70 hour weeks, because we cannot afford otherwise.
 uilt so i'm essentially out of business
 new competitors, our lack of advertising, etc. But it was also clear money was getting tighter. We operate in an affluent area, our customer
ork, payment for services has slowed to a disturbing level. Our GM and Ford stores the slowest. We are a very small company (gross revenu
prospect of even higher taxes (Fed and California) essentiall forces some sort of move.


 stock. We've been increasing the size of our herd for the last couple of years so will have more yearling calves available for sale. Although
 members leave higher-priced health clubs.

firm I work with has laid off due to projects cancelled or put on hold. In 1993 there was work for freelancers to make up for short staffing. I

s closings on refinance and home purchases. That part of our business has declined to less than 10%. The majority of our title searches to
 , now previewing @ http://TheConcreteJungleBook.com. A deal to publish the series blew up when Wall Street melted down and the publis

  the last 3 mys.
omes at a discount, renovated and resold them at fair market value. Unfortunately we bought the franchise in August of 2006 right when th
change what I do or make drastic changes. right now I'm barely paying the bills.
  years. I expect business to improve if only because many have left the profession in this area and the license is a barrier to quick entry. Re
edit problems caused a lender to pull a loan offer in August. I had to scramble to secure another lender, but the loan has not closed. We a
expect similar business in 2009.
nths. We are specialty retail in a tourism community. Tourism is stagnant and expendable income is not available. We rely heavily on the Ch
 inated and the ability to finance new inventory is non existent. am considering closing my doors.
  e to upgrade hardware than now, nobody is budgeting any money for I.T. upgrades this year.
  Import costs are up -- sales are down (altho US$ is up -- good). Just now paying for 3 girls of a Nepalese family to go to school. Will be a
usiness. We are hoping to just ride this out (hopefully in less than a year), rather than go out of business. We are in our 21st year in busin

 payroll, paying workmans comp and leases on equipment. We have cut employee hours and may end up having to lay off people. Someth
wned my business since 1991. The key is to keep calling current and prospective customers, and never get complacent. Companies are de


 ownturn was not directly related to the financial collapse but rather in part related to campaign/election burnout!!! December is picking up
 ing. A few lost business and we anticipate will be down in 2009, which of course will impact us. We are in the automotive aftermarket and e

 most people have never even heard of the idea at least in the u.s. market but quickly and easily "get it." While it is the premium priced pro
 were going slow (due mostly to home depreciation) but steadywell until October. People have gotten scared and are afraid to act. They see

e average sale is down considerably.
 than a necessity (i.e., my dating coaching service).
 "after the election" now they are waiting until "after the first of the year." Some of our clients have had major slowdowns or layoffs. This o
ew homes. This holiday season is shaping up to be one-half of last years business.
 Fortunately as a technology company we are able ride this economic storm as people still need to pass and access information. We should
who book first then back out later.
 t entrepreneurs. With so many people needing extra income our monthly transactions have been relatively consistent. Growth is going to b

  jail w/o release. Health insurance and work. comp. are huge concerns.
 e closing their doors.
d confusion built up, and I feel that people should know. It's no fun to find yourself the "canary in the coal mine". Summer of '07 saw over 3
and structural engineers. The manufacturers who have their products specified by our readers are very scared unlike I have ever seen befor
s have been laid off or quit the business because of decreasing home sales, but the foreclosure business has created a small "boom" for a se
 munity supports instrumental music education for all public school students and many parents supplement with private lessons. My business
 cost increases for production. That is better now though the high prices for feed and ferterizer have not dropped at the same rate as gaso
he Mexican market. That market is expected to decline by 4.8% as a result of decline in construction jobs. Our markets, which mostly cons

pre sold building is almost nonexistent. I am almost solely redecorating people's existing homes instead of designing new ones. I have had t
a variety of formats. It's interesting that during this recession only small business that "sell stuff" seem to be highlighted. I work with a lot
 Garden. Only very large companies were retained.
 s maddening. They get a huge bailout from the feds and they are not passing it on to the consumers. They are buying other banks. It's disg
winter visitors for the biggest part of our income. This year our customers just are not buying beads. I have noticed that there are a lot less
 ally be considered recession-proof because of the wealth of the homeowners. While we are currently employed; we don't have another job
moters are afraid to buy shows.
 s had and went to hattiesburg, ms for a long cleanup as asked by bush. my company cleared the path from hwy 10 to bayview, ms for the
e and I am having difficulty finding new ones.


e-mail, stopping most marketing and newsletters. Combines 2 positions. Reduced our benefit plan and will not be making a pension contribu
would pick back up so I increased advertising, eliminated slow moving items, and reduced inventory. However, while we saw small uptick o

not commissions. In good times, this works great, but in this market, where all asset classes have been clobbered, we are getting badly hu
 fected by the recession. Several families I'm now seeing pro bono. In order to pay my own bills, I've taken on additional clients on my day
 e art jewelry that I designed. My employees were mainly refugees from Laos and Vietnam. I closed the business in Dec. of 2006 and move
o be told just as much as good ones. It's just that people don't want to pay quite as much for the words.
We had to close in Nov.
ting benefits is the LAST thing that will happen. We are all partners in this enterprise-- that's how I view my employees- and we will weathe
 s and other places have gotten involved, but in the past couple months, people have just stopped buying flowers. We're throwing tonnage
previous months.
ason is off at least 50% from last year. People are depressed. Many are looking but not buying and those that are seem to be buying much
me in my area, others in other parts of the country. In 08 all of my customers cut back on how much R&D they did, which resulted in less de

about 40% but should be around 30% after the Holiday 'rush.'
 tapped out on that o ption
r in my genre. I have supplied photos to various editorial and commercial clients, as well as collectors. My prices are very low compared to o
 r than we expected, but we contributed that to being a start up. Our second year sales (starting in the 3rd quarter this year) were strong--a


investors who bought rental properties. real people are just fine, they just get confused by the media crying gloom and doom.
of their suppliers we could be in trouble soon.
have been in business since we started in the depths of the early 90's recession and have been growing at 20%/year. We won't lay peopl

 operating at a major loss next year.
killed, uneducated workers in India who, because they don't know what the hell they're doing, have driven down prices across our industry.

hit hard. Everything is relative, but we just lost a job because our client can't sell one of their houses and has eaten 1 million dollars. Anot
 shrunk. We're running out of things to cut but sales continue to shrink. More important than profitability is the fact that the diminished cash
your paycheck, if you still have a paycheck. I am fortunate enough to have a little income besides my art, but the lack of interest and sales
one for feeling this way. I do, too!
month I count on to see me through the slowest months to follow. This year it is below the slowest months. NO ONE is shopping and the m


ects; there are no new projects, only maintenance tasks.
show selling custom silkscreened apparel. Although I've been moving toward retirement for a couple of years and letting sales slide some, I
ll business owners, coffee houses and cafes. I have lost 35% of my customers in the last three years, they haven't discontinued my produc
rd to travel), home improvement websites (who can afford to renovate) and realtors (need I say more?) We seem to be affected most by p

e their jobs I expect a cut-back in refills and new prescriptions. Patients won't be seeing their doctors as often.

 nd don't expect to do it in 2009 either. Expect no growth for 2009 and remaining at the same level, hoping not to go down.
 ess has decreased by 50% since last year. We are contimplating closing after 5 years in bussiness. If bussiness falls in 2009 we will close as




 n our business as deregulation and health insurance costs have been during the Bush administration. Deregulation of the telecommunicatio

 atment as opposed to 'nipping it at the bud'. On the brighter side, folks don't want to spend money on Rx so they are suddenly open to wh
ed up for next year. Most of my clients are municipalities and other consultants who contract with municipalities. We have all noticed a ma
rofessional service business). Income way down and expenses way up. I have great people and have had to cut my own salary & borrow j
 rather than 5. I'm hoping to increase that back to 5 in 2009, but it will take a lot of marketing to attract that many students. Here in South


 akening slightly

 in the new year but it doesn't look good.
rease in sales for 2099
with me for 10 years.
50% and the retail trade is off 15 to 20 % getting worse.
 nix metro area. I have been in business since 1987 and never have experienced such a dearth of new business. Our phones used to ring so
 contracted services.


 eople used for home improvements. I also was told in October by a prospective client that due to the "world financial situations" she will

 oduction as well as engineering services to the oil & gas industry. The warning signs predicting the difficulties the country is now experiencin
my business decline every year that Bush has been in office. This past year has been the worst. No one is buying new cars and they are not


with friends while I reinvent my business with very little overhead. I am quite optimistic that I will do better with a fresh start but anticipate
 nsource things that were previously outsourced to China. I get better quality, and it seems to be working.
 sultants are usually the first to go. I am now looking for employment and will probably close my business down in 2009.
d middle as actual crunch happened. Much busier now than in other times as it seems the shoes have dropped & customers need to get thin
 e out of town. I am a returning college student changing careers. I rely on this business, since i go to school part-time




are declining their routine appointment and only contacting us for sick visits. Others are declining elective surgeries (spay/neuter) and diagn
building industry in California started about a year ago...so the current bad news is nothing new. All my employees were laid off except my




 ave plummeted, so I have to spend a lot more time looking for books, adding them to inventory and re-pricing them to lower prices. Prices
business opportunities if they come up.
ernment contracts so we think that will be steady. Thank you.
duced to Mom & Pop status. What we once thought of as recession proof is one step from the grave. Both owners have returned to full time
 o I'm making nothing.
ally affected by the current economics, people are behaving as if they are. That means they are not spending the $20.00 a ticket to see a p
  which means that sales always slow this time of year, but this time they have dropped off the cliff.
e seen business in 50 years.
 of the end of December 208. Usually my clients are on 18-36 month cycles. After July 2009, I could have nothing.
 getting it going & was expecting to see our first real taste of profit & success in '09 & then bam, sept '08 hit - damn the de-regulators & pol
  I now have former colleagues (more than 4 already) calling me to see if they can work with me, but I can only offer part time projects if ev
 nt where, if they contract more than 20%, I am going to have to close my doors. My sales contracted by 50% in 2008 compared to 2007 an
y story may not be as interesting as others, but we have employees, overhead and inventory, just like many other small businesses. Even

 es are cutting back or even stopping altogether. I have never had to do much advertising, but if I have more cancellations, I may market m
e and relationships.
  into the Boston, Chicago and Denver markets in 2009
 less resistance to higher prices
  San Francisco, the vacancy rate has not gone up that I can tell. People still want to live here even if they work in Silicon Valley or the East
ate. Only relief has been the gas prices declining. With all other expenses, especially health care increasing 15 to 30% per year I expect to

 's had to believe next year with be as good. I deal in hard to find collectibles, and so far, people are still spending for quality items in the $1
 te stand still and we are living on our savings which should last about 5 months if we are careful.
 uestions in this surbey, a small business. (Gross Annual Revenue average for last 10 years = $280,000.) However, due to arbitrary pricing la
 rn. Customers aren't buying books from any of my authors, and I haven't gotten a contract in a while to produce a book. Folks cannot pay t
e pipeline- the future is dark
  schools are using our services.
ement advice to professionals in the form of workshops and seminars. We were very nervous in September, but prospect calls and worksho
oal mine. www.knewconcepts.com
  are a little slower to pay than in the past
have been extremely difficult and in oct sales have fallen off a cliff. business/commercial customers have stopped spending in a way we hav
ways focused my private practice on helping small business people. For the last few years many opportunities for helping form, finance, and
 sumers cutting back.
  budgets are being cut, so they can't hire us as often, and they can't spend as much when they do hire us.
n commitments made.
o the extended length of time clients are taking to sign off and to pay.

 edding cakes. As people lose their jobs, parties and weddings get postponed, or people elope to save money, or offices just don't celebrate

astic sales, even this week. But we just had our first big trip of the year cancelled by the supplier. This is a loss in project of more than $30,0

se on ebay. Disaster. If I had a mortgage, rent or a car payment I'd be living on the street. Also I've lost 75% of my investments, but I'm n
ad a ton of work and have made up the earlier shortfall.
e what will happen in 2009.
ng price reductions or cancelling orders.

d several of my clients default on their balances, which in turn has left me carrying a huge debt. This coupled with the economic downturn
eads for business came from companies growing into our targeted space. Now most of the leads come from businesses looking to downsize
 stop using the services we provide, but others are still plugging along, so we have no idea what to expect for the next few months.
nventory doesn't sale as it did so there is no need to reorder.
 have had an outstanding 2008 but mostly as a carryover from jobs that started in 2007. We saved the money we made earlier in the year
ared during, and has now withered to bare survival.

RT as frivolous, when the reverse is true. We need color, texture, wonder and the ability to marvel , to enjoy ,to be pleased in such a negat
 ed, but there is downward pressure on prices, so we are doing more for less, but at least there is work. It appears that some of the labor fo
 the black but running 20% below our operating projections. We were on track through mid-October but sales have dropped since - particula
 omy. The downturn in the economy started well before 2008. In my opinion it started in early 2006. The other factor for our Mom & Pop bu
 he past two years. My concern is that we have prepared for a storm but not the tidal wave coming our way.
een visis, opting for less expensive services.The local economy is suffering layoffs, a trickle down affect.Oddly enough the more afluent clien
 make it last as long as possible.
 ues dropped by 30% last year and will drop an additional 10% this year. My clients, most of which are non-profit organizations and associa
 we have had to cut back staff hours, and work more hours ourselves. We have tried not to increase our prices, and have absorbed the incr
ble hours, payments from clients are coming in at a very slow pace. I have see the effects at the offices where I do business. One law office
continued to go down since then - with September and October very low. We've had only one "normal" month since last March.
properties go into forclosure in 08. This leaves tenants looking for new homes, my firm with less income and an abandoned property in a on
mmer with high gas prices and the beginnings of the recession, but we still grew overall because we are about the cheapest vacation people
ature loans ( at high intrest rates) . In the past I was able to pay many of the credit cards off in full each month avoiding intrest charges.
 ., 2007. We end the year off 40%, but still in business. After reading the story about the MD who is now out of business in the LA Times to
 st definitely sold in an earlier climate. And editors are telling me that they are being instructed to pay less, and buy fewer projects.
arkets and diversifying our client base. It's still touch and go, but so far it looks like our timing has been pretty good.
 as come to a halt, so our products are no longer needed. I don't expect the construction industry to do anything but get worse next year.

 riods are much longer. People are questioning their capital spending in much greater detail.
ave cut and are cutting back on current and future projects
 g volunteer tax preparers or the irs website with free efile etc. The only problem with volunteers is that they are not trained like EA's or CP
 ause an important client of theirs went bankrupt. Our creditors declined to raise our borrowing limit against future receivables, so we were
 cally during this start up phase. The economy has stifled that growth; growth I am counting on to reach breakeven. If we do not come ou
  to bring in more customers, so I have had to hire a marketing person in response to falling sales. But so far so good. Fortunately though w
 ust looking or they want a bargain,If you except it and deal with whats going on you fill more in control.
e will not be filling the position. That leaves a lot of work for the rest of us to pick up on.

ur projects are ongoing with financing already in place and draws available as needed. This may not be true after the thrid guarter of 2010
ed by growing more than 50% in Europe and the rest of the world. Now that the rest of the world is melting down too, we can't expect to
 day gasoline hit $4.00 and they have not recovered. At the same time, our cost of commodities and utilities have climbed roughly 10-12%

 e is shopping anymore. Small stores in our town are hurting badly and many may have to close their doors. People are looking for inexpen

great, the last two quarters have been brutal. We are trying our best to reduce our expenses in every way we can, with the belief that time
eir circumstances, but I think others are taking a wait and see approach before committing to expenditures. I'll have a better idea of my ove
 onessential product. It's quite likely that the recession has slowed the growth of sales of this product, but we are still selling our material an
 in our industry (landscape architecture), we've decided to cut our salaries starting in January so that we can build up some savings to help
ve to increase staff hours or add additional staff
We have let staff go through attrition. Over the past year we have not filled 4 full-time and 3 part-time employees. Of the 37 people in my

 last year. I was laid off in April when the meltdown began and haven't been able to find work since. I started my own business because
 ery in 2003. We grew to 8 employees in the first year and to 33 by 2006. In 2007 we felt the economy contract a bit and lost some emplo
and a staff of 14. Our community is listed as the 2nd worst community in the country. I have cut costs to the bone and 5 employees, and I
g my product.
 ad effect on our bottom line. We will reduce subcontractors, limit raises and try to reduce costs so that we can scale down to 75% of 2008
staff. It certainly limits our growth and planned renovations. We must account for every single dollar now more than ever. The recession c
more people. The economic news is too scary and we decided to plan for survival, rather than growth. Customers are slower to pay and ou
 mount through November. Looks like December will be flat comp. to last year.

ndustrial work (no residential) Most of our work has been Goverment related, the private market, with the exception of several big projects h
 ashing business.the price of fuel this last year has hurt us terribly,both in our cost of doing business and the amount of business our clients

 on purchases and we don't see some people anymore.
ssible. I think that's been excellent training for dealing with cash flow ups and downs. Since I also create information products for folks who
& an insurance agency, I bought the agency as a hedge against the mortgage industry last year, we opened soft, there initially was no urgen
 all clothing retailer 1/2 consignment, 1/2 new clothes) This month is the first time we have been a small amount down from last year (1-2%
ces are cheaper than the bigger bakeries and people tell us they want to support smaller businesses so it's been good for us.

 or the past 3 months that I'm probably going to have to get a part-time job to supplement my income but so far I haven't had to do that.
 ay out of savings, and since we are talking $150,000 plus for a typical job, the savings are mostly market based. We had three jobs cancel
e since 9-15-08. Usually by now I have had another full time position. There are hardly any positions available now and what are available a
ave more money to generate visibility into the main stream of the media. No one wants to pay for images, they think that they can do it the
ds can be good. Here in New Orleans we were forced to downsize after the Levee Failure so we are probably in a better position than most
 ion projects. These projects are years in the making so we are still very busy finishing the last batch, but for new start ups we are seeing on
our employees.
es, but hurt in the $30-$50 range. My speaking engagements and private events have also been hurt. That being said my sales are up abo
h as Henry James, psychology, ecology, poetry and Native American storytellers. We also occasionally venture into film and video but the bu
of business. I can't get a business loan to make payroll and pay fixed expenses. I am selling personal items just to stay afloat.


 iness. The landlord won't lower the rent, and the consumer expects deals and discounts

 ness has been off for the past year, and the bottom has dropped out in the past month, excepting Thanksgiving weekend. We paid mortgag
 . I hoped to hire 2-3 more folks, I won't be doing that either.


e taken a dramatic slide since last December - I went from my best year in sales to my worst in 2008.
o presumably have been swept out the door.
 were 10 days ago. We are a casual fine dining restaurant in Silver City, NM pop. 11,500. Big tourism town and that was first down due to g


ee health Insurance cost going up and can't close the business because I need insurance and no one is hiring with a insurance package. Sin
 ith in the past are either reducing their relationships or delaying any new ones until some time in 2009. That used to be over 60% of our re
e bulk of our business. So far, our workload has been in line with past years. We are somewhat seasonal, so our "field" staff is part time and
t make a fortune, but are able to run our own show. No complaining here!
now off 38% from our peak. We are going to lay three more employees off this week. I don't know if we can survive much more of a down
  that my client's client may suddenly pull back. Although clients have set their budgets and say they have money, until you get paid, you ha

pending money on luxuries. Although we weren't technically in a recession (although now the government tells us we really were), all indica
ending the class we depend on to pay our rent. Landlords are trying to make up their losses on the backs of their tenants and my husband
s til mid November and then it contracted about 20%. I reinvested every dollar in my own business cause it always gave me the greatest re
ar - relocation has largely dried up with the rest of the market. Of course, not eligible for unemployment compensation...

 pacted because many view this as a luxury even if they need new flooring. Carpet and tile are cheaper so they are going with those option
 ult to get orders...never mind get paid on placed orders from all the small boutique stores across the country. Many of them have closed (w
 some contract work at a nearby factory.
 ruction activity. When times are tough, we feel it directly.
siness and was doubling sales every 6 months for last couple of years, so it's hard to gauge where we would be. Hoping to grow in next yea
 renewable energy projects. More work than the present arrangement can handle, have started another LLC for marine / renewables focus.




  of marriage, partly due to financial stress, so this has clearly been the worst year of my life. And I have already survived more than the ave
 ee our sales contract in the first quarter of this coming year, and the weaker competitors in our industry will fail. 2009 will be a watershed f
 ee our sales contract in the first quarter of this coming year, and the weaker competitors in our industry will fail. 2009 will be a watershed f
 reducing our leased space, we are doing antique shows all over the east cost in the hope of raising some funds to pay bills, and I am acces
 nclude more economic stressors, unemployment being the main one.
at proportion was 75% because of the drying up of custom and speculative jobs. We have scrambled to keep jobs coming, redeveloping sm




spaces on every block now, the merchants are personally greeting people, serving wine and hot chocolate, offering discounts and staying o
e past year, our company has picked up a lot of work from bigger clients because our work is standout. During the summer and into the fall

oing to reopen. since i don't have deep pockets i am going to have to lay off several people right at christmas, which sucks. i've been doing


year. This year I have freelanced for my friends, but have had the equivalent of 3 months work for the entire year of 2008. In January, I am


 rce what we need from skilled individuals we have worked with on prior projects. In many ways people reach out to us for unusual or diffic

n October, the phones stopped ringing. Marketing budgets have dried up and we know that things will probably not change anytime soon.
be doing OK for the big week between Christmas and New Years, but as far as bookings for 2009, they are down around 50%. I am at a


ales. I have to constantly search for new markets and revive old ones when things drop off locally.
e of losses by the owners on Wall Street.

al. took a huge chunk of income. If expenses continue to rise with income decreasing there will not be many other transportation companies
 h and home and turn to to knitting for comfort. They are more cautious buyers and do not spend as much as they did in years past, but th


e cancelling new purchases of software and equipment and trying to renegotiate our lease. It's a chain reaction of personal survival. Sorry,

e bussness but not at the volume of the past years.

er about the benefits of supporting with sales the local producers. Some of the brands we carry are nationally know in the "health food " ind
business growth.
y much gift stores will have to go out of business-people aren't buying even greeting cards. I have to be careful of expenses as oppose to t
ry good rates. Credit for those with marginal credit ratings in nonexsistent. Personally I believe the bailouts are just prolonging the inevitabl


eople off to make payroll.


o and now we are down about 50%.. the recession has trickled up to the higher income bracket..
ays, people only call if it's sparking,spraying or caving in. The moulding guy at Ganahl Lumber told me to pray for a wet winter. Not to men

om, not based on anything. Sometimes were not even notified!

ent checks. the unemployment compensation is much smaller than the payroll checks they received previously. my revenue is down as a res
nline marketing has taken a large leap forward leaving print a bit behind but not eliminated.

st thing that people cut on unless they absolutely have to.




or my business. Very, very tough to look at your employees whom have been with you for years and tell them they no longer have a job. W
 metro, owned the business for 20 years, doing all the right things with medical and other benefits for employees, traditional finance sourc

ome relief.   I haven't paid Health Insurance this month and U.P.S. has cut us off. I sold some stocks at a 50 % loss just to survive and ma


t went under because larger trucking businesses that made profit off of volume of trucks could afford to make pennies on the dollar.
 a large portion of my salary for child care because all of the children will be enrolled in public school- providing me with enough hours to w

racts come under more scrutiny (which is fine), but also makes the sales cycle longer.


with cash-flow, it is ugly. Three checks we deposited bounced so one of ours did too — that's how tight it is. Not sure we will make it throug
s a resort town.

I'm probably going to have to cease publishing and close down completely. It's very frustrating because I've put in a lot of hard work and m
  bill. everyone is sitting on invoices and waiting 60, 90, 120 days or more to pay us, so it's killing our cash flow.
e bankruptcy. This one, I have lost more money in a shorter amount of time than at any point in my life. I am also on the verge of losing my
eterias, etc.) most of our sales are concentrated in the northwestern usa. until may of this year, our year-to-date sales compared to last ye
 l bring me positive results. Nobody needs us now.

 g those resources and poaching market from our weaker competitors.
mpensation.
So when people don't go out to eat as much, it affects everyones bottom line. Our clients don't have the extra money for upgrades or new
 and the recession has slowed our growth, but in these times, we consider any growth a true win. People are eating out less and are findin

g a 3% discount for any order paid Net 30 for 1st quarter 2009 in hopes of picking up our cash flow. 2009 will be a challenge -- I am takin
rtunately we have not had to lay anyone off, but only because one employee moved out of state and we did not replace her. We are an ind


OVERNMENT, not the private sector.


 panies are no longer putting money out for events. It's just gotten from bad to worse.

  now I'm unemployed, and broke. Hmm. . . I couldn't help but notice that the "managers" of some of the funds in which I had invested ret
egan teaching Realtors "how to avoid predatory lenders." People made up seminars and traveled the state, informing one and all of the pen
 e; we now have just 2 people, my husband (the doctor) and myself. We work 7 days/week and work at least 12 hours/day on weekdays an
 er employees until 3Q 09. If taxes increase, we will not add benefits or employees.

and large corporations have not spent on professional services outsourcing as they did in the 1990's.
 eater relationship networking as a result of our having had our severe downturn a year ago. Things are going good now but we are prepare




 d to repairs or appliance installations.
ymore. It is all about finding the cheapest price.


 t's peak. Within two years time we have laid off 4 and 1 person retired due to declining sales. We are literally a Main Street business. My

ll my advertisers are reporting that their businesses are suffering as well, although none have dropped their ads - they're afraid to.   Please


 It's frankly been devastating for us. I vowed that I would always offer affordable health care for my employees - we just received an incre
ustomers who teetered on the edge of personal economic failure, living beyond their means in houses they couldn’t afford.     Without the ―




 members and reduce the hours of those who remain. I have been working like mad trying to figure out a way to survive in these enormou


ed up. In fact, I've taken a permanent position with Eaton Corporation to try to get through this downturn. It's strange out there in the IT w

nies thrive in recessions when people simply cannot find jobs. The Isagenix product is super food and reasonably priced, which allows peop




e-trial portion of the process.
 sed this to help local fisherman by buying more of their daily catch.
  in Aug and the bottom fell out when the market crashed in Sept. Some of our contractors have laid off most of their and some have gotton

 provided a new income stream (albiet just a trickle so far). Since it is relatively cheap to promote on the web it is something we will continu
et financing.
 s a trend or just an "early January"


d the closing of several companies that supply to the GM plant, the sales of jewelry and jewelry repair has becomes virtually nonexistant.
en a salary in 2 months. I am single, 50 years old and scared shitless.
f course, it affects sales. Most body shops we contact say their shops are slow too.
 We may not survive 2009.
 onth $800. There is no discretionary money in this town, so many business have closed in town this month. It is heartbreaking.

educed the schedules or have been laid off.
 viders who now have to rethink the way they do business. Businesses that cannot survive did not survive because they quit changing the wa

y liabilities. We have fired our staff including me - I work in Brazil but pay US taxes. We let our Brazilian staff of two go. This means that all

Mom-and-Pop gift shops along with a few larger catalogs. Many many of my customers have gone out of business in the past year; many o

 decided about six months ago to start my own firm and move away from working for others. In August, I booked a couple of searches wit
 ar liability and small insurance limits, which would have been settled in six weeks, are dragging out for month after month.
  in their investment portfolio outlook. The Madoff scandal only makes things worse for them. They may have to lay off employees soon.

 g have disappeared. Also we rely heavily on my personal credit and some of those lines have been closed by the banks as they consider sm




 f to be proficient in the design programs so that I can handle all the work for which I used to hire people to do. That has allowed me much
n expensive MLS Masters degree that has not even begun to pay for itself, My wife and I pursued an entrepreneurial dream. we financed mo


lly, all of my fellow small scale practitioners and RE Sales agents have been greatly affected. Architects are laying off staff and RE sales in M

mic crisis and what we all believe will be a truly dismal 2009. As of Jan. 1, all employees will cease receiving salaries and health benefits and
built back half of what I lost, and now I have lost that and more. I'm down 75% from pre 9/11. Bush has been nothing but a disaster for my

credit rating adversely; projects and orders delayed or cancelled. High level of anxiety and stress.

hat we have that resource, but it doesn't help our operating budget. I feel sure we will have layoffs in 2009.
  programs I have worked on. I see my situation influenced by the recession and also by a changing focus of paper marketing and commun
 !!! I try to remain positive and look ahead to a brighter future with our new President. All you can do is remain positive.
hat our market share seems to be increasing and that gives us a better shot to at least make ends meet. I am in vintage goods retail.
 just not doing anything.
 th, increased taxes and more un- and under employed. When speaking to colleagues from closer to NYC, we are seeing less impact but sta




 ate firms) are closing their sites and businesses down.
 n projects and are slow to pay due to cash flow problems. We saw this coming in September-October and responded quickly by a 20% lay
2008 I had two former customers come back because they could not get the same level of service from other low priced competitors! I expe
 the margins. As an importer the huge swings in currencies is forcing everyone to evaluate on a frequent basis the advisability of continuing
 nd on out of town visitors (Sutter Creek pop 2500). Once gas hit $4 earlier this year, our business dropped 60%, and is still not back yet, bu




gs are getting tight, but so far not desperate.

 of rebounding when the credit crisis hit. Our business is weather related so at times we have to borrow to make payroll. That was cut so w
naging to stay afloat keeping an extremely low overhead.

 t able to except the bids. But lower the prices any more would mean that there would not be enough to cover the cost of doing the job.


as people became reluctant to spend money in these uncertain times. This represents a loss equal to the expected gross income of the com
d pending financial stability and / or unable to get funded.

each month. Christmas sales are off 50% this December vs last December. I've been in business for 14 years (longer than Amazon.com) an

eally know how this will affect me until we get into 2009.


or in San Diego.
 o see what happens before making a move. Our business is built on growth, people need new buildings to accommodate expansion. A con
our sales have dropped by nearly 50% since August, and we are not a seasonal business. Three of my employee's spouses have been laid o
 we are desperate for business.




o open the wallet.
mpany. Articles of dissolution and the final corporate return will be submitted end of December 2008. We were in business from March 2001
urvive with no help in sight




th with national chains and with local independents. As far as sales promotions are concerned, if businesses barely have the money to keep
at least one and reduced another to part time already. We're dopes. We are endangering the very existence of this company. Hope (false?)
g forward...just rehashing old ones....shrinking inventory..cancelled orders...afraid of equipment breaking...


a turnaround.

 the lack of projects I currently have. I have over 20 years experience in my field.
ontract employees and I ran the office. My husband is an independent management consultant and he is being let go from a 3 year projec
e and my crews. I usually hire two to three assistants, including an editor, per project.

ey have and spending sparingly. Our business is a quasi-legal one, Divorce Mediation, and yes, it usually slows down before the holidays, bu
 may loose everything we put into the renovations and development of this business if something doesn't happen soon. We have already lo


uble finding ANY work, even for myself. I'm sitting around depressed most of the time, starting to gain weight eating crappy high carb, high


ere is money to lend and borrow


ession as much. I am also worried about 2009. I may struggle, but I will survive.




 ll continue to help underwrite our activities.




  will stand on its feet in this economy. Until our Government gets a floor under the housing market, limits CEO pay and compensation, wor
   to spend them on professionals who will help them navigate the complicated maze of admissions and, now, financial aid.
 prove chance of survival. With credit markets choked off expenses are difficult to meet, with clients unable to move on necessary marketing
  small jobs----$3,000 to $10,000 range------just aren't around anymore. I was down at the Denver Building Department and the person who
 bursement rates. Therefore, as the economy has shrunk, our clients have less disposable income and our business has fallen off dramatical

 depression need to eat and we give away food to those who can't afford to buy. We are two retired people who are doing our part to get t
me people in 2007 and 2 college students part time. in the beginning of 2008 we dropped to 4 main people,and did not hire the part time pe


 affluent area, our customers are still well off, but the mood was down, people no longer felt good about shopping. In fact, I think they shop
 mall company (gross revenues under $200K, so every invoice unpaid means no money to pay the light bill! Just having some idea that GM w




 available for sale. Although the spike in fuel costs last year doubled the price of feed (hay & grain) and fertalizer, it also resulted in a highe


 make up for short staffing. I'm hoping this downturn will be the same. And as in 1993, as firms downsize they will likely need redesign of o

ority of our title searches today are for foreclosure, REO (real estate owned by banks) and civil litigaion such as mechanic's liens.
melted down and the publisher chose not to go forward with the project.


 ugust of 2006 right when the real estate market started tanking. We did not understand what was happening with the market. However, for

 a barrier to quick entry. Reduced competition.
e loan has not closed. We are in the midst of an expansion which is employing numerous contractors, electricians, etc., as well as having th

 . We rely heavily on the Chicago vacationing/second home traffic.
 ily to go to school. Will be able to continue that by not making a buying trip this year. Which means people we buy from will suffer.
are in our 21st year in business and up to September 15th, everything was fine. Then the bottom just totally dropped out and sales slowed

g to lay off people. Something we have avoided in the past. Our employees are like family. Most have been with us for several years. We
placent. Companies are definitely slowing their hiring now, and their use of recruiting agencies as well. At this point in the growth/ recess


t!!! December is picking up and so far is about even with the last several years. My concern is for '09 when those who have lost jobs will als
utomotive aftermarket and every thing is really a chain reaction to the auto industry. We can control our expenses pretty well with the exc

it is the premium priced product in the market segment, i've managed to make an "affordable" version that retails for less than $100 ($99.9
d are afraid to act. They seem paralyze by all the uncertainty.




 lowdowns or layoffs. This of course affects our business as well.

ess information. We should be fine -

sistent. Growth is going to be difficult but if we can maintain our current position we should survive...even as the economy worsens.




 . Summer of '07 saw over 300 new and unsold homes in my county. I started beating the bushes then.I had a project going that lasted unt
nlike I have ever seen before. Smaller ad budgets mean fewer editorial pages.
ated a small "boom" for a select number of agents. For 90% of my agents, sales will be down 20-25% - after a 30% slide in '07 and a 20%
private lessons. My business peaked in 2002 and declined steadily from there, down 50 percent by 2006. Michigan's economy has never rec
ed at the same rate as gasoline. Of course the depression or recession or whatever anyone wants to call it will affect the sale of agriculture
  markets, which mostly consist of Africans have not declined and new immigrants continue to come into the country. We are cautiously opti

ning new ones. I have had to lay off my one employee and had been poised to hire another, but that will not happen either.
hlighted. I work with a lot of New York advertising companies, as well as San Francisco, San Diego, FLorida, and New Jersey. I have pharm

buying other banks. It's disgraceful. Plus all my credit sources are cutting credit limits. How are you suppose to purchase supplies, etc. Ever
ced that there are a lot less visitors here this winter as well. Last year we were so busy I did not have a day go by when I wasn't ordering n
; we don't have another job lined up after the current job is completed. Apparently even the wealthiest among us are not too keen to build

y 10 to bayview, ms for the national guard and red cross pro bono. my business liability insurance was cancelled at thanksgiving for (and t




e making a pension contribution this year.
while we saw small uptick of 10% over the summer numbers, we are still down by 40% from where we were last year.             What I need now

ed, we are getting badly hurt. Usually some stuff goes up while other stuff goes down so you can move things around and come out ok. T
additional clients on my day off. In addition, I've purchased medication for several clients with life-threatening health conditions, who are u
ss in Dec. of 2006 and moved my business to Bali in Indonesia where I now manufacture. I continue to sell my jewelry through distributors


ployees- and we will weather this together and equally.
s. We're throwing tonnage away. It's tough selling a product with a short shelf life. I'm thinking of getting out, but what else will I do?
are seem to be buying much less.
id, which resulted in less design work for me. At least one customer laid off some engineering employees. It has been a very tough year o




 are very low compared to other, lesser-known photographers. I don't know if I'll be able to continue. This invaluable archive and my work m
ter this year) were strong--at least a 40% increase over our first year. However, starting in October, our sales started slowing. By Decembe


om and doom.

/year.   We won't lay people off unless it is either we have to do it or we fail, but everyone is extremely nervous for the new year which is a


n prices across our industry. U.S. clients are lured away by the smell of cheap labor. Europe has the Value-Added Tax (VAT). Why are there

aten 1 million dollars. Another client has halted all new work and we are in "bare necessity" mode with them; they are in the oil business.
act that the diminished cash flow is making it impossible to keep up with payments on existing debt to suppliers. They are experiencing the
he lack of interest and sales can be disheartening. And finding the money for entry fees for exhibitions is getting tougher. I guess I have to

 ONE is shopping and the media keeps telling everyone to make gifts and to buy a resell shops. I do not see my business survivng through t




nd letting sales slide some, I have noticed that even my regular customers are ordering less or not at all. Many of my customers are in cons
en't discontinued my product, they have just gone out of business. A paticular cafe had gone out of business in downtown Long Beach, the
em to be affected most by people just not having discretionary funds anymore. One area that does not seem to be affected is motivational,




falls in 2009 we will close as we will not be able to maintain our operation financially.




 on of the telecommunications industry has all but killed small entrepreneurs in our business. We are actually looking more forward to the ne

  ey are suddenly open to what they can do for themselves in terms of diet/food therapy, exercise, meditation, guided essential oil self applic
 . We have all noticed a major slow down in both public sector work. That said, I expect some municipalities to increase development nex
ut my own salary & borrow just to keep our doors open and to retain my employees. Obama's pledge for infrastructure improvements and c
 any students. Here in Southern California, sufficient people seem to have jobs and disposable incomes to keep me in business, but a few st
 Our phones used to ring so much that i welcomed the weekends of silence. Now that silence is an everyday occurence. We have been goin




nancial situations" she will not be revamping her San Marino property. This November and December have been the worst ever.

 e country is now experiencing were visible in early 2007. We have strategically positioned our business for this downturn. However, if energ
g new cars and they are not fixzing the ones they have. Even new ones with dents in them. I have never had to advertise. My business has


a fresh start but anticipate an even further decline in the economy as a whole. Many more crises to follow.


 customers need to get things done.




ies (spay/neuter) and diagnostic procedures due to lack of funds. We have also had many more requests to perform euthanasia due to mo
es were laid off except my son who is working 1/2 time. This years gross income is about 60% of the prior year's gross...and the last few m




hem to lower prices. Prices for original writing are at rock bottom. We're being paid about $10 per article (around 600-800 words, research


 rs have returned to full time university to obtain completely new degrees at the age of 45 while raising 4 children and no health insurance a

 e $20.00 a ticket to see a play. Foundations have had their endowments shrink, which means less granted. Governments are barely paving




amn the de-regulators & political cronies! should have known!!! hope obama is up to the task he was voted for....
 offer part time projects if even that.
n 2008 compared to 2007 and 75% compared to 2006. I cannot take much more reduction. I may not survive until the summer. We'll see.
er small businesses. Even wealthy people are not having plastic surgery right now. It is certainly one of the things that is not necessary a

ancellations, I may market my tutoring services more aggressively. Many of the families I tutor, even the quite wealthy, are nervous about




 in Silicon Valley or the East Bay. About the same number of units become vacant each month and they are all rented in a week or two.
to 30% per year I expect to cut hours in the near future.

ng for quality items in the $15.00 to $200.00 range. Next year? Who knows....

er, due to arbitrary pricing laws, we have been dealing with recessionary conditions since 1987. Energy and fertilizer costs have crippled our
e a book. Folks cannot pay the fees.


 prospect calls and workshop bookings are up. It seems that clients aren't as busy now and have the time [and the incentive] to improve the
ed spending in a way we have not seen in our 30+ years in business. the consumer has found themselves with no money now that refi's on
 r helping form, finance, and build businesses were available. Today, over 90% are asking about exit strategies and insolvency. They still h




r offices just don't celebrate anymore. This means people don't need cakes, or if they do get a cake, they go to Sam's and get something r

n project of more than $30,000 to us. We are glad we can refund every traveler 100% for the trip they won't get. But our journey -- despite

f my investments, but I'm not crying about it. There are alot of people around here much worse off and the foodbanks are running low. I fe




ith the economic downturn and rising expenses has forced me to file Chapter 7 bankruptcy, both corporate and personal.       Honestly, I don'
 inesses looking to downsize into our space.
he next few months.

we made earlier in the year to get us through to the beginning of the next - 2009 - paying down debt along the way. We have been in bus


 be pleased in such a negative environment. My belief is just because I have been in business for 23 years on a small island, San Juan Isla
ars that some of the labor force has been forced to leave the country, either because of lack of work, or because of increased enforcement.
ave dropped since - particularly on the retail products revenue line of our business.
 actor for our Mom & Pop business failing was due to the influx into our area of the BIg BOX stores, wallmart, Homedepot, Lowes. The other

ough the more afluent clients seem to be ,for lack of a better term,bigger tightwads .

 fit organizations and associations, are facing declining membership and dues revenues, greatly reduced attendance at income-producing ev
 and have absorbed the increases in prices that our suppliers have passed on to us. We have tried to trim our budget as much as possible w
 do business. One law office had twenty employees are now down to nine. Another law office just laid off one of the staff. A gated communi
 ince last March.
 abandoned property in a once thriving area. Losing 30% has been really hard. i have increased marketing and been able to find a few new
he cheapest vacation people can take. Gas prices have come down, which will expand our market again, and we will still be offering the che
h avoiding intrest charges. Now I am not able to do that so Im paying a very high rate of intrest on credit cards. I had to borrow $40,000 f
 business in the LA Times today, we feel fortunate to be able to continue providing alternative medicine at a reasonable price ($75 per sessio
 buy fewer projects.

g but get worse next year. We have moved into sub-contracting for a property-management company to do residential building repair work




e not trained like EA's or CPA's and most likely will cost their clients by missing deductions etc.
ure receivables, so we were forced to reduce staff.
even. If we do not come out of the recession in 2009 we will be out of business.
 good. Fortunately though we live in a pretty healthy business region of the country. The other shoe might yet drop.
er the thrid guarter of 2010 when those projects are finished. Since these particular projects have been dependent on construction the likl
wn too, we can't expect to keep growing as quickly there.
ve climbed roughly 10-12% with no relief being forcasted.

eople are looking for inexpensive items and speciality stores are no longer in the buget.

an, with the belief that time heals all wounds. We are utilizing better technologies to get the same amount of work done in less time. Thes
have a better idea of my overall situation by March.
e still selling our material and plan to introduce new titles because it is desperately needed. Our material increases sales when used, so our
ld up some savings to help carry us through a slow down.

ees. Of the 37 people in my current employ, four of them have spouses or children who have been laid off. We may not be able to continue

 my own business because if no one else will hire me then I'll do it myself by my bootstraps... but I'm WORRIED. My home is 1 month from
t a bit and lost some employees to attrition and did not replace them. By December of 2007 we were at 20 employees and our clients, mos
one and 5 employees, and I didn't replace several positions. Summers are typically slow here and I knew this would be no exception, but I

 scale down to 75% of 2008 income.
  than ever. The recession certainly ups the anxiety of all employees. Facing the unknown economic future of the country is the owners inn
ers are slower to pay and our creditors are on edge and demanding quicker payment. Money is no longer cheap.


tion of several big projects has really dried up. We started the year well but around Sept. We really fell off, our market has become very c
ount of business our clients had had to cut back on our services due to high fuel cost. we have picked up a large national account in the las


ation products for folks who are or wish to be self-employed, I've been preaching a Small is Beautiful message for a very long time. I also th
, there initially was no urgency to buy the insurance, shure we were saving them 300$ a year, but again no urgency. Now just the opposite,
t down from last year (1-2% as opposed to 10% up). Another interesting question might be; what % of downturn could you bear ? For us
 good for us.

r I haven't had to do that. I think this recession is actually helping me. People buy soaps and facial cleansers on a pretty regular basis and
. We had three jobs cancel or postpone, emptying the chute of jobs, and we decided to close down rather than struggle in competition with
ow and what are available are paying approx. 1/2 the hourly wage I made before.
 think that they can do it themselves. I also bit for grants, the funding in going down while those who request money is going up. It is not
 a better position than most
w start ups we are seeing only things from the Middle East and local government projects. The developers of the existing high rises are beh

ng said my sales are up about 35% over last year, with plenty of sales coming since Sept when most of this was really starting to get media
to film and video but the bulk of our products are audio. We distribute through an online website, Amazon, Audible and through independen
t to stay afloat.




 weekend. We paid mortgages on two houses, but the bank just foreclosed on our rental; we are desperately trying to save the house we li
 hat was first down due to gas prices and now due to the economy. Off a good 50%. Big layoffs at our copper mines have made things wors


th a insurance package. Since I'm a person shop the hours I work has doubled with less paid and orders take longer to produce since you tr
ed to be over 60% of our revenue. Now it's down to a trickle.
 "field" staff is part time and therefore never needs to be laid off - they don't work when things are slow.

vive much more of a down turn. It looks like we are going to find out.
y, until you get paid, you haven't seen the money yet. So although there is a promise of some work, who knows of they will change their mi

us we really were), all indications on the ground screamed RECESSION! Unfortunately I don't think we are yet near the bottom of this way t
ir tenants and my husband and I work 7days a week with no medical insurance for the last 15 years be cause it is too costly for us. The pro
ays gave me the greatest return of any investment I could make. Now all my apples are in my little boat, hurtling towards oblivion. I go from


 are going with those options more and more unless they actually have money. We are also being hammered by others in this trade who ar
Many of them have closed (without returning or paying for goods) We are unable to pay our providers on time, as we don't get paid on time.


  Hoping to grow in next year by introducing new lines of products.
 marine / renewables focus.




 survived more than the average person. (Long Story) I have applied for 12 different jobs and do have 2 interviews coming up. I have to fi
. 2009 will be a watershed for businesses across the board.
. 2009 will be a watershed for businesses across the board.
 to pay bills, and I am accessing my credit line every month to help make ends meet. How long can that go on?

bs coming, redeveloping small groups of lots and selling custom jobs on lots owned by the principals by taking a loss on the lot in order to g




ing discounts and staying open additional hours. All to no avail. People are just not spending. The area is holding it's collective breath!
he summer and into the fall virtually all of our local advertising revenue has dried up ($300k/yr). Fortunately we have been planning a film f

hich sucks. i've been doing this for 28 years, have had a great year and have awesome employees. just not going to have the cash flow nex


ar of 2008. In January, I am going back to school to get my Masters. With my experience in business, I predict that it will take at least two y


ut to us for unusual or difficult solutions. We are a pretty potent partnership, but the real strength lies in the collective. Vision + 'adaptivity'

not change anytime soon.
wn around 50%. I am at a loss to predict what this season will bring. I, like the rest of America, am helpless to do anything about this o




er transportation companies surviving 2009-2010.
hey did in years past, but they are still knitting.


 of personal survival. Sorry, but.... , I hate to do this, but.....




now in the "health food " industry. Lower fuel costs, more personal attention, more information about where grown, etc, circulation of mone

 of expenses as oppose to the years before.
just prolonging the inevitable. As much as it will hurt I think those companies in trouble should be left to fail and restructure if they can. Let




or a wet winter. Not to mention everyone wants a deep discount.        With funding so hard to get, even my best clients are sidelining projects




my revenue is down as a result, but i'm just glad i still have a job to go to, unlike many of my customers.




 hey no longer have a job. Where will they get another job in construction? Won't happen. They all have children,mortgages along with all
 es, traditional finance sources have disappeared or curtailed their lending leaving us with no where to go through no fault of our own, the

 loss just to survive and make mortgage payments.        It's looking grim.


 ennies on the dollar.
 me with enough hours to work. So any dips in workload would probably be offset by the ease on my child care budget. I did have to drop m




  sure we will make it through this.


t in a lot of hard work and money to see it all go down the drain. Is there a bailout for the small business owner?

so on the verge of losing my residence to foreclosure or short sale or deed - in - lieu. Then there is the emotional and psychological downfal
te sales compared to last year were UP by 5.5%. in the last six months, our year-to-date sales have fallen 2% below the same period last y




money for upgrades or new equipment. Also, we have to go around and collect checks from many customers, who never had a problem in t
 ating out less and are finding that home grilling is fun, social and less expensive than going out. I am very glad that this is not our first yea

be a challenge -- I am taking to 2 weeks off before Xmas to think about my staffing needs. I may have to cut back hours of my current em
 replace her. We are an independant bridal boutique.




in which I had invested retirement money are still working -- because they were BAILED OUT using tax money I, and my former employee
ming one and all of the pending collapse of the mortgage industry. Eight years ago, I stopped referring home buyers to a certain lender w
hours/day on weekdays and at least 8 on weekends. We'd like to be able to hire more people but aren't able to in this economy. Expenses




ood now but we are prepared for it to stop. But fully expect a turn around end of the 1st quarter of 2009.    Have gone through recessions




a Main Street business. My husband and I own an art gallery, custom framing store and deal in both retail and commercial sales. We own

 - they're afraid to.   Please note I lied about my zip code - that's not information I want you to have. I'm in New England.


s - we just received an increase of 40%. Fortunately, we have not had to rely on any credit to date. Although I am projecting we will acces
 n’t afford.   Without the ―sub-prime drop-ins,‖ I counted on my core customers who still felt secure in their jobs and investments. Howev




to survive in these enormously trying times. I've always provided our staff with health insurance benefits and year's end bonuses. Right n


trange out there in the IT world. There seems to be just about as many entry-mid level consulting engagements, but no high level engagem

ly priced, which allows people to use their grocery budget to try it out. The results of better health, more energy and less stress (along wit




their and some have gotton temporary jobs at places like Costco.

is something we will continue to push even as the economy improves. So maybe the downturn pushed us into the web market faster than w
mes virtually nonexistant.




is heartbreaking.


se they quit changing the way they do business.

two go. This means that all vendors in Brazil are out of work and that our projects will not be getting the funding that we normally raise for

 ss in the past year; many other can not pay their outstanding invoices. Steel costs have soared and, as most of my product line consists of

ed a couple of searches with several more on the horizon. By September/October, it became apparent that my industry (Biotech, pharma,

 lay off employees soon.

e banks as they consider small businesses too risky.




 That has allowed me much greater flexibility in managing my business expenses, and greater quality control over the work that my busines
urial dream. we financed most of our upfront costs on credit cards, the interest rates were far superior to SBA loans, and there was far less


g off staff and RE sales in Manhattan are down 75% from this time last year.

aries and health benefits and will move to an hourly wage.
nothing but a disaster for my company. If I didn't have savings, I couldn't keep my company open.




per marketing and communications.

 vintage goods retail.

 e seeing less impact but started from a much lower baseline. The looming NYS budgetary disaster is the most terrifying.




onded quickly by a 20% layoff. We're now taking additional steps to cut back on overhead while also concentrating on new business develo
w priced competitors! I expect a good year.
he advisability of continuing to provide goods for the US and other markets. The stability of basic trade of infrastructure has been thrown o
 , and is still not back yet, but has come back some. We have a small cafe and winebar in the theatre. We have closed the cafe an additiona




e payroll. That was cut so we are at present 3 weeks behind on our pay.(employees are paid promptly). We depend on car dealerships with


he cost of doing the job.


ted gross income of the company for the entire year of 2008. One of us remains employed full-time in the construction industry and we are


onger than Amazon.com) and this is the frist time sales are lower than the previous year.




ommodate expansion. A contraction is always tough. This is as bad as 1974 and 1980, the two oil embargoes. I am preparing for the poss
e's spouses have been laid off in the past three weeks. We're trying to wait until after Christmas, but we're going to have to lay off our coo




n business from March 2001. I have been a mortgage banker since 1982. Started as an originator, became a branch manager, then district m




rely have the money to keep their doors open, where will they get the money to use an outside promotion company? And, finally, special e
 his company. Hope (false?) trumps reality.




 let go from a 3 year project on 12/23/2008.


down before the holidays, but even though we offer a much less expensive route through a Divorce, people have hunkered down and are st
n soon. We have already lost all savings and retirement and no health care.


ating crappy high carb, high fat food that is all I can afford on my miniscule food stamp payments. I've never been on welfare in my life. Go




pay and compensation, works for the people and not for the Wall Street and the banks that got us into this mess, it will be years before the

ove on necessary marketing. Circling drain.
artment and the person who issues permits says everything is pretty slow except for the big $ projects. Oh, I looked at one small job ($6,00
ess has fallen off dramatically. It has been painful. We are moving the business into our basement in the hope that in a year or two we cou

o are doing our part to get through this mess in which we find ourselves.
did not hire the part time people back.by june of 2008 we cut hours from 40to45 hrs. per week to about 35 hours average. i laid off 1 more


ng. In fact, I think they shopped less in order to feel better about themselves. Christmas sales are decent, and I suspect we'll be OK next ye
having some idea that GM will be saved will restore confidence to the market...people may buy a car and we could get paid!        I have been




 r, it also resulted in a higher market price for livestock. Because we grow our own hay and our cattle are strictly grass fed (no grain), the in


will likely need redesign of office space to accomodate the contraction in space. I'm working hard to provide exemplary service.

mechanic's liens.




th the market. However, for a while things seemed ok but not great. We were only losing a little money every month and people were still b


 s, etc., as well as having the multiplier effect inherent in purchasing $4mm worth of industrial equipment (mfg in the US), and which will re
 buy from will suffer.
opped out and sales slowed to a crawl.

ith us for several years. We are trying to give them as many hours as we can and still stay afloat. To cut costs, we the owners, are working
 point in the growth/ recession curve, they have enough hiring to continue into justify internal recruiting teams. If conditions deteriorate fur


e who have lost jobs will also have lost their dental insurance benefits. The first quarter will be very telling. SB
ses pretty well with the exception of health insurance, which increases usually 20% or more each year without any reason. As a small busin

ils for less than $100 ($99.99). My major price point is $149.99, an extraordinary value for something that can last generations and be use




e economy worsens.




 roject going that lasted until November but warned the boys in July of '07 that things didn't look too good after that, and I was right. The b

30% slide in '07 and a 20% slide in '08. For those specializing in foreclosures - a relative handful, sales will be up 20-40%. The agency, whic
an's economy has never recovered from the recession of 2002 and, in fact, continues to decline according to all measures of economic activ
ffect the sale of agriculture products but who knows how much or for how long. It is a wait and see affair all the way around.
ntry. We are cautiously optimistic.

ppen either.
d New Jersey. I have pharmaceutical advertising / medical educational advertising clients that are "hiring" and keep me busy around the cl

purchase supplies, etc. Everything is predicated on credit, now there is none.
by when I wasn't ordering new stock this year I order maybe every other week. Last year I had 3 part time helpers this year just 1. I am de
us are not too keen to build their vacation homes in this economic climate. Many of our subcontractors are looking for work--that's a first in

d at thanksgiving for (and this is the kicker) 'WORKING THE GULF COAST AREA'. now i am less than a step from homelessness. between




t year.    What I need now is working capital to keep us afloat for the next six months but as it is for all of us small business owners there

around and come out ok. That is decidedly not the case this year.
health conditions, who are unable to do so themselves. In one case with a recently laid-off mother of two, I purchased some emergency gr
 ewelry through distributors in the US. The main reasons for closing my business in the US: I couldn't afford to pay for health care for my e




, but what else will I do?
as been a very tough year of barely scraping by.




uable archive and my work might stop, and a great deal of cultural history gone. I'm not sure what I shall do. I am a very good website pro
 arted slowing. By December, our sales were flat-lined with the previous December. Ouch! We have close connections with several of our co




s for the new year which is always a very slow period. I believe we owe it to the people who help make our business profitable in the good


d Tax (VAT). Why are there no U.S. restrictions in place to prevent cheap bad imports from driving out better-made domestic products?

hey are in the oil business. The problem is, unless employees have saved enough for winter they are in trouble. Most years gardeners get
 . They are experiencing the same cash flow pressures and as a result are threatening to cut off the flow of merchandise unless we pay old d
g tougher. I guess I have to see this as a time to draw back and create in spite of the economy . . . but I am running out of space to hang

 business survivng through the winter!




of my customers are in construction and in our area it's dropped off to nothing. T's for the staff and the customers are not high on the list o
downtown Long Beach, the people who were taking over the space asked if i could supply them with our product. The new cafe only lasted
 be affected is motivational, self-improvement writing. More than ever people need direction, comfort and self-esteem to get through this r




king more forward to the next few years, as long as the economy doesn't completely bottom out. (We survived the dot.com meltdown, too.

uided essential oil self application.
o increase development next year in order to take advantage of hungry contractors that are becomming aggressive with their bids. Cities th
ructure improvements and credits for employer medical insurance will be very beneficial to me. I need help now.
me in business, but a few students have either dropped out of my classes as their income has dropped, asked me to run a tab until they ge
urence. We have been going entire weeks where the only calls are telemarketers or banks calling about refinancing. It seems that things gr




n the worst ever.

downturn. However, if energy prices fall below the 2005 benchmarks, we could begin to experience some problems.
 advertise. My business has always been by word of mouth.




rform euthanasia due to money constraints when the pet is ill.
's gross...and the last few months has dropped from there. I'm hoping to survive the recession, but will shut the business if things don't pic




nd 600-800 words, research required). I'm almost seventy and will probably have to go back to school for LPN training at this rate.


 n and no health insurance and income week to week just working on faith.

vernments are barely paving the roads, which means no support for the arts. Regular folks are either not donating anything, or are support




ntil the summer. We'll see.
hings that is not necessary and can be put off until a later date.   I was getting ready to layoff my Administrative Assistant, but she resigne

wealthy, are nervous about their financial situations.




l rented in a week or two.     I have not seen any downturn in my business. Things do not stop breaking just because there is a recession.




lizer costs have crippled our business to th epoint where we are probably going to shut down and sell off all assets in 2009.




 he incentive] to improve their businesses. If the trend continues we could double our workshop sales in 2009.
no money now that refi's on their homes have become a thing of the pass. granted the banks are not lending but so what...our ability to re
and insolvency. They still have to pay me, but have less to do so hence my revenue decrease projection.




 Sam's and get something really cheap. Weddings are trending smaller and cheaper. This hurts the cake business.

t. But our journey -- despite its being almost full -- was cancelled because a huge tour operator cancelled many departures of its tours using

dbanks are running low. I feel that we are fast, and I do mean fast, becoming a third world country, and I think it's beyond even Obama and




personal.   Honestly, I don't feel so bad about it. My clients treated me like a bank; they defaulted on me, and now I'm defaulting on my de




 way. We have been in business nearly ten years. We learned from the effects of 9-11 on our national economy. We are optimistic about t


a small island, San Juan Island in the Pacific Northwest, this does not meet I will continue to be in business without the support of my comm
 of increased enforcement.

 medepot, Lowes. The other reason is the use of illegal?? immigrant labor by subcontrators who work for these Big Box stores.




nce at income-producing events and conferences, and big losses from endowments, reserve and investment funds. They are cutting budge
udget as much as possible without sacrificing service to our customers. I am very concerned for the future of our family business.
 the staff. A gated community had laid off many employees and will close their equestrian center. It is going across the board.

 een able to find a few new clients. I am not sure how stable those clients are.
e will still be offering the cheapest way a family can take a vacation. Those who have lost their jobs, or are fearful will stay home, but the la
 . I had to borrow $40,000 from my mother when American Express, without notice, reduced my credit line ( amount I could charge per m
 onable price ($75 per session).


idential building repair work. We got LUCKY! I don't know what we would do without that opportunity.
dent on construction the liklihood is that this part of our business will disappear. We are also working on alternative fuels and with our part




 ork done in less time. These cost cutting and productivity measures will help us in the long run, so long as we can make it until then.

ses sales when used, so our best guess is that our customers will continue to buy. We are working on ways to provide more value and creat


 may not be able to continue to ensure spouses and children when our health policy renews in April We will feel lucky if we can continue to

D. My home is 1 month from going into foreclosure, my savings are wiped out, and I'm starting over completely from scratch. As a "financ
ployees and our clients, mostly Fortune 500 companies were moving toward "strategic hires" and leaving positions open to reduce costs. W
ould be no exception, but I held onto my trained, motivated staff through the summer in the hopes that in the fall it would pick up. Then th


he country is the owners inner turmoil so far.




 r market has become very competitive driving down margins. We will lose money this year, but I have secured a fair amount of backlog f
e national account in the last month that should boost our sales by 20% next year.i think we need to drill for more of our own oil .thank you


or a very long time. I also think the problem-solving, idea-generating skills we acquire as entrepreneurial thinkers are going to serve us well
ency. Now just the opposite, save $50 & we make an immediate sale. Not raking in the coals , yet in the black in the 1st year of any new bu
 urn could you bear ? For us it would probably be 10% to 15% which is a little scarry.


n a pretty regular basis and I think they like the fact that I'm home grown. People are shying away from large corporations, they want to su
struggle in competition with the low quality contractors in the area. I'm struggling to keep my house and pay off all my vendors etc. Lots of

money is going up. It is not what you know but who you know, through this economy. The same goes for grant money. The world is chan

e existing high rises are behind on their construction loans and subsequently not paying us, some are as much as 6 months behind on our in

 really starting to get media attention.
ble and through independently owned bookstores. We had been contracted to produce audio of back lists of two major publishing houses a




ying to save the house we live in and do business from. We are both in our sixties and suffer from disabilities. I was an activist in the sixties
 ines have made things worse. By mid-January 2009 we will be down to my co-owner waiting all the tables, myself cooking and baking alone


nger to produce since you try to be 3 people




 of they will change their minds 6 months down the road when their clients' didn't pay up.    Seems rather important to get a non-refundab

ear the bottom of this way too long cycle...
 is too costly for us. The problems this has caused are too numerous to list. This is awful. Worse that after 9/11. We are hard working peopl
g towards oblivion. I go from no work to wide open, so the moment I decide to let people go, i have to respond to my clients, who expect n


y others in this trade who are untrained, unlicensed and not doing business legitimately and are able to do jobs more cheaply. It is in two w
s we don't get paid on time. The domino impact is terrifying...Many of our small suppliers won't release our goods until they get cash, we ca
ews coming up. I have to find a job so I can continue to eat and pay my gas and car payment and insurance and utilites. I will probably los




 loss on the lot in order to get the construction work. Price per sq ft has been cut 15% by eliminating up-grades and going to subs and sup




ing it's collective breath!
 have been planning a film for a big event. That has just blown up in our face. Half of the event attendees have already called and canceled

ng to have the cash flow next month to keep the. some have been with me 20 years. i am suffering from high anxiety. it has broken my spir


hat it will take at least two years for the economy to recover significantly. I'll be in college again (after 27 years) racking up student loans an


lective. Vision + 'adaptivity' = customized solutions. Our approach lets us land the bigger jobs and 'share the wealth', as needed.


s to do anything about this other than ride it out, and hope I can at least make enough to pay the mortgage. I don't hope to make any mon




own, etc, circulation of money within the region.
 restructure if they can. Lets go ahead and find the bottom and work our way back out from there. Also the attempt to assign blame is coun




 ients are sidelining projects as their investments are looking dim and they don't want use their savings.     I'm glad I stocked up on canned a




 n,mortgages along with all the other monetary commitments. So sad. Al
 h no fault of our own, the mailbox is devoid of any bailout check and the money BOA and Wachovia got certainly is not coming to us..want




budget. I did have to drop my out of pocket health insurance though. That scares the crap out of me.         A friend of mine, another work from




al and psychological downfall. I feel I am a failure. It is difficult to get excited about anything work related. I have worked on 4 major projec
below the same period last year.       obviously, our business' fate rests to a great degree on people's willingness to go out to eat. since that




ho never had a problem in the past with mailing a check. Everyone is nervous.
 that this is not our first year in business, because we have had the chance to grow a very loyal customer base by providing the best custom

ack hours of my current employees -- I want to keep them, but the paychecks are a big expense to cover each week. Needless to say, I am
 I, and my former employees paid. Something is wrong with this picture.
buyers to a certain lender who was selling zero-down mortgages, with $1,000 back at closing. "Buy a house, put nothing down, walk out wi
o in this economy. Expenses have gone up but our income hasn't.




ve gone through recessions before. Previously was an owner-partner in a larger organization and walked away from it 6 years ago for a fath




commercial sales. We own the building we are in and live above our building on Main Street. We are both in our 50s my husband at 57 and

ew England.


 am projecting we will access our line of credit at some point this spring. I just pray that we are able to hold on through this and bring back
bs and investments. However, Wall Street’s meltdown and the resulting impact on the economy and credit markets have changed that pictu




year's end bonuses. Right now I am unable to even pay our monthly bills. 80 percent of our clients have discontinued their art collecting


 , but no high level engagements. Yes, high level does equal high-dollar, but we like to think that the ROI of our services more than offset th

 y and less stress (along with weight loss or gain) create an emotional impact that everyone they know wants to duplicate. Thus, a busines




he web market faster than we would have moved without the extra motivation.
g that we normally raise for them. We will keep a very small operation working on a volunteer basis, but it does not really matter as individu

 my product line consists of heavy steel items, this past year's outrageous fuel costs have added to the problem - shipping product to custo

industry (Biotech, pharma, medical device) was going to be hit hard by the economic times as people were being laid off rather than hired.




er the work that my business produces. In fact, my business has grown slowly but steadily over the last few years. Currently, however, I ex
ans, and there was far less red tape to navigate..the cash was available...we watched throughout the year as gas prices climbed and the wh




ting on new business development.     One of the advantages of a small business is its ability to respond quickly and effectively when action
structure has been thrown out the window and we are too small and so are our suppliers to get involved in risk hedging mechanisms. In an
closed the cafe an additional 2 days a week, and the wine bar is now open only when we have shows in the theatre, usually once-twice a w




 end on car dealerships with new car preps to keep our detail shop busy, which is crucial in a weather related business, to keep money com




ruction industry and we are the classic example of people who have "done the right thing", but are literally one paycheck away from serious




I am preparing for the possibility of closing our doors after 30 years, we're running out of cash. We're trying to hold our breath until the ne
g to have to lay off our cook soon, as well as our dishwasher. We are already open 7 days a week because we can't afford to close. Payro




nch manager, then district manager, then a VP before becoming self employed. Now I am a Jr. Loan Originator working straight commission




any? And, finally, special event expenditures are down as promoters and sponsors seek to trim costs. Our business has historically done a




e hunkered down and are sticking it out in their present situation due to fear over money. We have seen a number of articles reporting this
 en on welfare in my life. Gotta love them beans. I've tried to find volunteer work just to keep fit,and busy. No luck so far.      FYI, I am a 52




 s, it will be years before the word prosperity crosses the lips of South Floridians. I have a whole closet of shoes that I would readily like to h


oked at one small job ($6,000) the other day, but that was because a drunk plowed his car into somone's brick porch and demolished it.
 hat in a year or two we could return to a regular office again. We'll both (my husband and I own the business) will have to get part-time o


 s average. i laid off 1 more full time person in august. our landscaping season ended in early november as opposed to december in 2008.


 suspect we'll be OK next year. Fingers are crossed, though.
uld get paid!   I have been looking for work in an unrelated field, (I have a degree) and it's very competitive. There are PLENTY if jobs...ju




 y grass fed (no grain), the increase in market price for our cattle offset the additional cost to raise and harvest the alfalfa. As long as the m


mplary service.




month and people were still buying houses until Oct. of 2007. At that point retail customers could not get loans to buy the houses we had for


 n the US), and which will result in 17 additional jobs (27% increase for our company). The risk characteristics of our company are good - in
we the owners, are working most weekends to save on payroll costs. My husband started this business 20 years ago. We've weathered rece
 If conditions deteriorate further, they will lay off those staff people and rely on outside sources like my firm more, not less.




any reason. As a small business you don't have many options and they know it.

ast generations and be used everyday. And it's beautiful! And it makes you healthier, every time you use it in quantitavtive and qualitative




that, and I was right. The better funded, better advertised remodelers were sweeping up the last of the pending jobs, and since November

p 20-40%. The agency, which has about 6 foreclosure agents will struggle to help the remaining agents, not to mention to keep the doors o
measures of economic activity. The relatively affluent of Ann Arbor are finally feeling the pinch, cutting back on non-essentials. I was one of
 way around.




keep me busy around the clock. The draw back from the recession is that I've taken to doing all the jobs myself now. I don't want to be ca


ers this year just 1. I am desperately trying to pay my rent 4 months ahead this winter. if this winter is this slow I can't imagine what the su
ng for work--that's a first in over ten years. Usuallu we would have to wait weks to get a sub on the job, now it's hours. It is very unsettling

m homelessness. between 1985 and 2005 i had 4 very successfull national and international businesses.          the only redeeming thing i can




mall business owners there is no credit to be had from our banking masters and no bail out from the government. So, onward we go with o


chased some emergency groceries to bridge her over until she could qualify for food stamps.
pay for health care for my employees anymore and I am totally against the war in Iraq as well as the war in Afghanistan. I marched in eve
am a very good website programmer, using a difficult software. I'm going to prepare a package to email to major web firms and hopefully p
ctions with several of our competitors, and we know that they are experiencing NEGATIVE growth from the previous year--as much as 50%




 siness profitable in the good times to stay with it during the bad. This year their is no christmas party, no bonus and everyone has taken a


ade domestic products?

  Most years gardeners get part time winter jobs, but those are very few and far between this year. It is virtually impossible to get into the
chandise unless we pay old debt faster than we are buying current product.
 nning out of space to hang or store my work! And I usually give some of my proceeds from sales to charity, which is bothering me even m




ers are not high on the list of necessary expenses. I'm applying for early Social Security tomorrow before those suckers raise the age to 6
 t. The new cafe only lasted 8 months and was gone before they could even get their liquor license. Our biggest competition is Naked Juice
esteem to get through this recession.




 the dot.com meltdown, too. Small businesses often aren't as leveraged as large ones, and can weather storms better.)


 ive with their bids. Cities that develop with grant funds should be able to purchase much more for less.

me to run a tab until they get another job, or have left the area to find work. So the recession has had a small but finite effect on my adult s
ing. It seems that things ground to a halt in July of this year, which is usually our crazy busy time. Fortunately we have a solid customer ba




e business if things don't pick up by Summer.




raining at this rate.




ng anything, or are supporting organizations that do more crisis based work.    The theatre can't afford to put on as many shows, or shows




ve Assistant, but she resigned, because she was accepted into nursing school with the ultimate goal of becoming a nurse anesthetist (the gr




ecause there is a recession.    I also post delinquent rent notices and surprisingly these have not gone up in number in the past couple of
ut so what...our ability to repay a loan is near zilch. things are very scarey and sad.




departures of its tours using the same supplier. We are just trying to plot how we can work the cash flow dilemma -- we never borrow mon

it's beyond even Obama and his team's ability to do something about. He'll have to declare an economic "state of emergency" the minute he




now I'm defaulting on my debt to the banks. The banks will be fine... they are all getting bailed out. All I get is a trashed credit rating and a




y. We are optimistic about the future but using are money and credit wisely.


out the support of my community .


Big Box stores.




ds. They are cutting budgets for non-essential outsourced services, deferring production of new educational and promotional materials, cut
r family business.
oss the board.


 ul will stay home, but the larger market area should offer the opportunity for modest growth again.
mount I could charge per month on My revolving charge card, not a credit card.) I have only been able to pay her back $20,000. I am ha
 tive fuels and with our partners have grant monies available to us. What will happen in 2010 is anybody's guess. We are hoping to expand




can make it until then.

ovide more value and create more loyalty in 2009. We look at 2009 as a time to solidify our customer base, stay afloat, and be ready to roc


 lucky if we can continue to insure our employees. We have rearranged responsibilities internally using managers in what were staff positio

  from scratch. As a "financial advisor", I feel personally embarrassed at my situation and ashamed that my industry has fallen so far so qui
ns open to reduce costs. We began to feel the current recession then. In 2008 our 47 clients pared back extensively, and it is important to
all it would pick up. Then the stockmarket went wild, wall street lined up for handouts and no one in our community has the confidence to h




d a fair amount of backlog for 2009. Philosophically I have taken the stance that I just need to survive for hopefully a better future.   I'm
re of our own oil .thank you


s are going to serve us well no matter what craziness is going on around us. In fact, I am convinced that for many folks 2009 is going to be
 the 1st year of any new business is ok. The mortgage co took a big hit, personally, yet the employees income actually grew a little. I got v




orporations, they want to support individuals. Its becoming chic to do so. Its more personable. I think this perception of corporate greed is d
 all my vendors etc. Lots of ten dollar an hour jobs out here, but costs are similar to the cities of the midwest. I won't be back.

 money. The world is changing.

s 6 months behind on our invoices. I expect to see many of these guys go under eventually after the banks stop extenting their loan repaym


o major publishing houses and when the economy tanked both cancelled. It was a big loss and we are very concerned about the future. Yet




was an activist in the sixties, fighting for equal rights and an end to the Viet Nam war; I never thought that our economic system would car
elf cooking and baking alone, and as warrents, a part-time dishwasher. We will give out layoff letters so that my employees can collect bene




rtant to get a non-refundable deposit or retainer at this point in time.


We are hard working people with a dream of helping others and we can not even keep our own boat afloat right now. Family businesses a
to my clients, who expect nothing less than immediate service. Each sale counts. I fear for my daughter who is 1 year from completing high


more cheaply. It is in two words "very scary" we are hoping that we will not have to close the doors altogether in 09.
ds until they get cash, we can't get the money from the bank ( after 20 years) to pay for our goods, the stores who are still in business canc
d utilites. I will probably lose my home to forclosure and it is quite discouraging to see the big guys get bailed out while I wonder if I will be




s and going to subs and suppliers for lower prices. Everyone is so hungry for work that we are one of the only builders in the area that can




 already called and canceled since the Bernie Madoff scandal broke. Apparently, our audience was his greatest group of supporters. Looks lik

nxiety. it has broken my spirit in every way life can. i pray for my daughter and the life she will have.


 racking up student loans and waiting for a better time to re-enter the workforce.


ealth', as needed.


 on't hope to make any money this year, my only desire is to be able to pay my bills and keep the doors open.
empt to assign blame is counterproductive and needs to end.




ad I stocked up on canned and frozen food whenever there was work.




ly is not coming to us..want a story of the disappearing middle class business?.. call 410 -977-8550 Thom Drescher Security Equipment Co




 of mine, another work from home mother, is in a similar situation- the irony of course is that if we had only a small bit of this bail out mone




e worked on 4 major projects in the past four years- I have spent my time, my money, and my talent on them. And not one of them has co
to go out to eat. since that's been declining, so have our sales.




by providing the best customer service that we possibly can. We work harder AND smarter.

week. Needless to say, I am taking no salary for the short term -- as the owner I get paid last. I do think that the change of administration
t nothing down, walk out with a grand." For the most part, real estate agents are highschool grads. Some are college, but as a group, they




rom it 6 years ago for a father-son hybrid construction consulting business focused on historic preservation. Working directly to provide supp




r 50s my husband at 57 and I am 53. We are now in danger of losing everything. Our home, our business, our building, our retirement, ev




through this and bring back the people I've had to let go.
ets have changed that picture dramatically. The volatility and unrest now have even my most affluent, fiscally prudent customers are runni




ntinued their art collecting activities. It is unfortunate that those who still have plenty of funds do not understand that by their lack of sup


services more than offset the extra cost. For the past 5 years, I've been flying Monday-Friday to engagements around the country, but that

 duplicate. Thus, a business is born and grows. We are making our own economy, but it does depend on how hard you work your own bus
 not really matter as individual and other donations have come to a complete standstill. We are a small non profit that raised USD$500,000 f

 - shipping product to customers as well as having raw materials shipped to me has become unacceptable. As a result, I have given up my

g laid off rather than hired. I have worked through bad times before and found that life sciences maintained a steady stream of business.




rs. Currently, however, I expect my revenues to decrease somewhat, as I hear my clients discuss belt-tightening at their offices, and transfo
as prices climbed and the whispers of credit calamities began to roar louder, not knowing how it would directly affect us...after a dismal sum




and effectively when action is necessary. We are cautiously hopeful about 2009.
hedging mechanisms. In any case they don't seem to have worked in our areas
atre, usually once-twice a week. Our credit lines have been cut back even though we have never been late - the banks don't like the amou




siness, to keep money coming in reliably. Since September more than half of the dealerships in this area have closed and the other half we




paycheck away from serious trouble.




hold our breath until the new administration which, unlike the current, may do something about the economic situation. I met with a bank
can't afford to close. Payroll taxes are killing us. Our suppliers are all also seeing a 50% reduction in sales. Even Coke and Pepsi are worrie




working straight commission. All creditors of the company were paid in full, every contract for services have been honored and paid such as




ness has historically done a good business with auto dealers and home builders -- auto dealers are closing and going bankrupt and home bu




ber of articles reporting this lately. Our Attorney associates confirm this as well, as their business is even slower than ours. Other retailers
ck so far.    FYI, I am a 52 yo disabled Nam era veteran




hat I would readily like to heave at W and he corrupt band of clowns.


orch and demolished it.      I've got one big job ($200,000) to start any time. However, I've gone back to selling books ("Psychotic Remode
will have to get part-time or full-time jobs or do consulting. Whatever we can find to supplement what's left of our business. Thank you fo


osed to december in 2008. at that time my main emmployees,one who has been with me for 24 years and another 12 years had lost 33%




here are PLENTY if jobs...just no offers YET! We remain hopeful... let us affirm that this craziness ends soon.    Perhaps the HP could start




the alfalfa. As long as the market price for beef doesn't drop below what it costs to raise each animal, we will be able to increase our profit




o buy the houses we had for sale. Soon, we were losing a tremendous amount of money every month. We went out of business in June of 2


f our company are good - in a normal credit environment banks would have fought over loaning us the money. Our customers are also slow
 ago. We've weathered recessions before, but they were never like this. We always believed that this business would be handed down to ou




quantitavtive and qualitative ways. While I'm currently pruchasing my raw material from china-grass-I have my product manufactured here




g jobs, and since November of '07 there has been no money to lend and no confidence for people to use the money they had on hand to im

mention to keep the doors open.
non-essentials. I was one of many private instructors whose enrollment dropped precipitously over the last six years. I relocated to another




f now. I don't want to be caught without funds in case busines dries up. The one employee I have is a "gal Friday"-type employee who doe


 I can't imagine what the summer will bring when our visitors go home. Scary times for a small business in Apache Junction.
s hours. It is very unsettling that at this end of the construction industry, friends and associates are already out of work. We fear that unle

 only redeeming thing i can say is that i am glad that i don't own them at this stage of bush's carnage. thank you for the forum.       john r.




nt. So, onward we go with only hope as our companion.




 hanistan. I marched in every anti-war march in SF during 2002, 2003, 2004, 2005 and 2006. Finally, I gave up. I am much happier in Bal
r web firms and hopefully pick up some work. Other than that, I don't know what I shall do. I am not entitled to unemployment or other go
ious year--as much as 50% lower than last year! Many people in my business are cutting back hard. However, we are holding steady and ex




s and everyone has taken a substantial wage reduction...




y impossible to get into the service industry (waiters, bartenders, retail) in Denver right now.   In the 80's I was part owner of a constructio

ich is bothering me even more than the lack of interest in art right now. For many reasons I am ready for this to turn around . . .




e suckers raise the age to 67. I wish I knew how this all turns out. Kind of like being trapped under water and never knowing just how fa
t competition is Naked Juice and Odwalla, which are both owned by Pepsi and Coke respectively, a business of 15 employees against two of




ut finite effect on my adult student population.
we have a solid customer base, so far, and I have not had to lay any one off. I dread having to face that because my employees have been




n as many shows, or shows with larger casts. The restaurants that depend on our patrons will have less traffic....the cycle will continue to sp




g a nurse anesthetist (the greatest profession there is).   Our surgeons are hurting, my nursing staff is looking for other work, and the fear




umber in the past couple of months. This month, they actually went down from about 3% of the total apartment units to about 1%.
ma -- we never borrow money -- but it sure would have been great to have that $30,000 profit to start off the year. What we will do: we wil

of emergency" the minute he takes office and print up alot and I do mean alot of money, and bail out half the citizens. What other choice do




 trashed credit rating and all my savings down the tube.   The good news is I will be starting over and I have some new clients to work wit




d promotional materials, cutting back on meetings requiring travel, and reassigning tasks previously performed by consultants to in-house st




her back $20,000. I am hanging on but it is scarry things have to pick up or I can not continue. I read of reports that credit card compani
s. We are hoping to expand and it looks as if that is a real possibility. On the other hand none of us (partners) are giving up our regular pa




y afloat, and be ready to rock and roll when the economy rebounds. It makes us more careful about what we spend money on - will it give u


rs in what were staff positions with salary reductions. We are a credit union --- a full-service not-for-profit financial cooperative serving 10,7

ustry has fallen so far so quickly. All I can do is hope for a better tomorrow, keep my chin up, and keep moving forward. I know there is a
sively, and it is important to note that we have an 84% client retention for five years running, and only 10 of those clients were active in 200
unity has the confidence to hire staff, either temporary or regular. Lines of credit have been cut and it is very likely I won't make it. Don't t




fully a better future.   I'm probably a natural pessimist anyway, but listening to NPR all day really adds to my negative outlook of the futur




ny folks 2009 is going to be a stellar year...providing they're noticing the unfolding opportunities around them.
actually grew a little. I got very sick last year & they(employees) picked up the ball when I was down, so its my turn. Its batten down the h




ption of corporate greed is doing wonders for small businesses like mine and (fingers crossed) it will stay that way!
won't be back.




 extenting their loan repayment time. Maybe one of the reasons we are busy is because it feels like we may be doing it for free.


erned about the future. Yet at the same time, oddly our Christmas sales have increased this year. We are doing much better than last year.




economic system would careen so out of anyone's control that it would destroy everything we had, but that has become the case. My wife i
  employees can collect benefits immediately. We have offered spare bedrooms in our house if they can not make it any other way, and will




ht now. Family businesses are never talked about. We are the people that do with as little as posible to keep our dream alive. We have no o
 1 year from completing high school. She has applied herself with great determination to excel at school. And I don"t know if I'll even have a




who are still in business cancel the orders when they are not on time. It almost feels intentional on the bank's part. We have a stellar credit r
ut while I wonder if I will be able to cover my basic neccessities. I have debt that was incurred from putting two children through school. I




builders in the area that can keep them busy. If the current subsidy programs run out of money we will have a problem. Regardless of wh




roup of supporters. Looks like the event is off. And it looks like I will have to lay off everyone and hibernate, hoping to stay afloat. Our plan
cher Security Equipment Co.




mall bit of this bail out money offered to offset the cost of child care- we could have expanded our businesses sooner. She's looking at possi




And not one of them has come to fruition. This is a tough tough tough time . And really it has already been 4 years of a downturn.




he change of administration will help us tremendously -- the country needs some sense that things are changing for the positive. And my b
college, but as a group, they are not a sophisticated group. And for 12 years, there has not been one of them who could not accurately rea




king directly to provide support services to architects and structural engineers in the NYC environs during their pre-construction design work




 building, our retirement, everything. It could be very easy to be bitter, but we know that if we allow that to happen things will only get w




prudent customers are running for cover. Times are tough for them, too, as job losses mount and their investment portfolios dwindle in valu




nd that by their lack of support in these trying times, many of the galleries they have frequented over the years will no longer be around w


around the country, but that totally dried up too! I'm looking into turning my consulting business into a product oriented software business.

hard you work your own business as to individual results.
 t that raised USD$500,000 for and provided services to grassroots projects in Brazil.

 result, I have given up my manufacturing shop and the overhead that goes along with it and suspended my welding operations. I am cont

steady stream of business. This is not the case now. A year ago, my business was good and continuing to grow while now it has stalled for




g at their offices, and transforming trends that are pressuring my main source of business, the publishing industry. Another category that I w
affect us...after a dismal summer, well below expectations and a sharp turn down from the steady growth expected of a new local business
e banks don't like the amount of debt and are seeing reduced income, and we're hearing that's happening to a lot of merchants we know, n




 osed and the other half we have only seen sporadic business from. A car wash is one of the first things scratched from the family budget an




ituation. I met with a bankruptcy lawyer yesterday. From my perspective this recession is a catastrophe. a manmade one at that, the re
n Coke and Pepsi are worried. And because we live in NJ (and love it here) we pay in one month what my mom, in Pennsylvania pays in on




n honored and paid such as Yellow Book, Pitney Bowes, Verizon etc. My personal credit shows no lates, however, my 401ks are gone. Half i




going bankrupt and home builders are - well -- this is Florida...you get the picture. We have worked with newspapers, radio stations, and TV




 than ours. Other retailers and businesses we know are hurting like never before. It's going to be a long, tough winter here in the Northea
 books ("Psychotic Remodeling," available through Amazon.com and at http://www.pulpville.com because they are only $15 each and most
our business. Thank you for asking this question.


her 12 years had lost 33% of they're income and no bonus checks. in the 8 years our revenue has dropped by 75%.others in my industry s




Perhaps the HP could start a new page called "Good News in this Economy!" The CONSTANT doom and gloom is scaring people MORE AND




e able to increase our profits simply by having more animals to sell - up to the point that we maximize the number of animals the property c




out of business in June of 2008, barely 2 years after we started. Part of the reason for our failure was the economy but we should have bee


Our customers are also slowing down due to the credit problems.
ould be handed down to our son. Now we aren't so sure that we will survive this downturn. Lots of sleepless nights around here.




product manufactured here. When I capture the european and chinese imaginations I will move manufacturing for those regions to the app




ney they had on hand to improve their rapidly devaluing properties. The only building going on in Central North Carolina were large ongoing


ears. I relocated to another state after successfully selling my house/studio in Michigan's depressed real estate market. I expect better times




day"-type employee who does the billing, taxes, etc. to get for my accountant (another expense). So, I guess there are industries, like my t


che Junction.
 of work. We fear that unless things turn around quickly, we too will find ourselves out of business next year--or sooner--if our homeowner

ou for the forum.    john r. mcclenahan jrmcclenahan@yahoo.com




. I am much happier in Bali. However, I don't believe that American art businesses/galleries are going to survive in the coming chaos. It's
 unemployment or other government assistance. I'm 58, very skilled, but unemployable due to my age (I'm always "over-qualified"), female
we are holding steady and expect to continue our growth. We attribute that to our strong sales team and our great new product. We also ha




s part owner of a construction company and it was really bad. Profit margins were low and interest rates high. I'm super glad I'm not in th

 o turn around . . .




d never knowing just how far above me is the surface. Thank you for making this forum possible to speak into.      I wish there was a bailou
15 employees against two of the largest companies in the world....wish us luck.
e my employees have been with me a long time. I feel like they are family, and they have families. I hope it does not come to that. We did a




.the cycle will continue to spiral until no one is left.




or other work, and the fear about the future is rampant. Plastic surgery was over promoted in the past and everyone, whether qualified or




t units to about 1%.
ear. What we will do: we will hang onto our staff no matter what. Owners will whack our pay in half before we would let anybody go. Also,

 izens. What other choice does he have?




ome new clients to work with. I'm hopeful. I learned some hard lessons and will be doing things very differently this time around. I have lea




y consultants to in-house staff who may or may not be qualified to perform those tasks.




rts that credit card companies may further reduce the credit lines. I do not know how I could continue my business if this would happen.
are giving up our regular paycheck jobs until we are certain the business will grow and that we can provide health insurance, as well as a re




end money on - will it give us a boost in revenue - and we don't plan to add any employees (just use independent contractors as needed.)


cial cooperative serving 10,700 customers. We've been in business 75 years. Our loan demand is almost non-existant and our delinquencies

forward. I know there is an opportunity if I just maintain a positive attitude and keep faith in myself, my fellow man, and my God. But, it
se clients were active in 2008. I called every one of clients and asked if the economy were different would they still be using us and every
ely I won't make it. Don't think there is a bailout coming my way. I played by all the rules all my life and now I am in danger of losing eve




negative outlook of the future.   My retirement is in the dumps, but at this point I'm more concern with the real (present) world than I am




turn. Its batten down the hatches time, but everyone is on board & is making the effort to stay profitable.




doing it for free.


 much better than last year. About a month ago we began to see an increase in online sales and purchases from bookstores and libraries. T




 become the case. My wife is Canadian, and we are thinking that if, and when, we lose this house, we will move to Canada where we can ge
e it any other way, and will find a way to feed then if things get 1930's or, more likely, 1873 depression like.




r dream alive. We have no one to help, no one to bail us out and no money available from the banks. Because we are a family bus. we will
on"t know if I'll even have a roof over my head in a couple of months. My clients are spread across a variety of different heavy industries, w




rt. We have a stellar credit rating and yet they have pulled all our credit! We will soon be out of business---and so will all the people we he
o children through school. I would like to continue in Real Estate as I have been a realtor for almost 20 years but it is getting tougher by th




problem. Regardless of what you hear about affordable housing programs we have seen nothing but success in our own sales and with the




ping to stay afloat. Our plan was to use the $100k from the job to carry us through the next few months as we prepare a plan for adapting t
oner. She's looking at possibly hiring 3 people over the next year. Might not seem like much- but those are jobs that aren't going to get ship




ars of a downturn.




for the positive. And my business (I'm a fashion designer of women's clothing) will tick up as soon as my customer begins to feel more op
 ho could not accurately read the fraud coming out of the lending industry, and warn of its disastrous outcome. In time, the fraud got so en




pre-construction design work.




appen things will only get worse. So, at the end of this month we will have to make a decision to try to keep going, or shut down and walk




ent portfolios dwindle in value.   As consumers cut back on spending and banks stop lending, that leaves small business owners like me in




s will no longer be around when the economic landscape changes. This will be an unfortunate outcome, not only for collectors but for th


oriented software business. I'm thinking that product demand will still be high, but personnel demand will be shrinking for the next 3+ years
 lding operations. I am continuing to run the company with my greatly reduced product line consisting of items that my employees already

w while now it has stalled for the foreseeable future. My hope is that it will pick up and clients will begin to hire again as venture capitalists i




 y. Another category that I work for, nonprofit and charitable organizations, are suffering from significant drops in donations and grants beca
 ted of a new local business that was getting the word out and growing its customer base...Sept and Oct saw a precipitous drop in our incom
ot of merchants we know, not just us. We know other business owners who can't buy inventory because they can't get credit. We used to




 d from the family budget and with the fall-back detail business from the dealers dropping off a cliff, things are tough.




 anmade one at that, the result of Bush, Gramms and their idealogues.
, in Pennsylvania pays in one year for property taxes. Oh, and the cost on ONE child's college loans? $60,000. And that's not grad school.




r, my 401ks are gone. Half in 2007 (lack of revenues but met payroll) and half in 2008 due to no income and expenses associated with shut




apers, radio stations, and TV stations...their financial situations are such that they have cut back radically.   In the 20 years, I have been in




h winter here in the Northeast. Heck of a job, Bushie'. And Congress hasn't been any help either.
are only $15 each and most everybody seems to be able to scrape together $15 for something they want. ------Rick the Remodeler




75%.others in my industry say they lost more than 33% in 2008.one says they will close after 22 years in business. in my 26 years in busine




s scaring people MORE AND MORE and making the problem worse.          93% of Americans are working. Families are spending more quality ti




ber of animals the property can support.




omy but we should have been able to read the market better. We are deeply in debt. The houses that we do own are rentals and the tenant
 hts around here.




 for those regions to the appropriate place.    also, the recession has made consumers rethink their priorities, and once again, they are num




 Carolina were large ongoing projects that had already been funded; the only builders operating were national concerns with contractual ties


market. I expect better times in my new home state




 ere are industries, like my tiny business, that are actually pretty steady, for the moment and those folks are hiring. One caveat, they are "s




r sooner--if our homeowner decides to stop construction.




ve in the coming chaos. It's not reasonable to think that people will buy "art jewelry" when they need to buy food for their families. It's a v
ays "over-qualified"), female and the prejudice against hiring entrepreneurs. I have many bumper stickers on my car, but my fave is: "If you
at new product. We also have a very strong customer service mentality and in this day--that is becoming increasingly important to our clien




I'm super glad I'm not in the construction business now. I have a line of credit at my bank, but they have raised rates and said they could t




.   I wish there was a bailout for us too.
s not come to that. We did a lot of work with the real estate industry here and that is dead as a door nail I am concerned about the coming




ryone, whether qualified or not, got into the act. Now they are looking at hundreds of thousands worth of unused and antiquated lasers an
would let anybody go. Also, we'll keep our health insurance for everybody. Our staff works so hard, through thick and thin, and they are lo




this time around. I have learned to live with much less than I ever have before and I'm loving it.




ness if this would happen.   At this moment my costs are higher than I can continue to support. I have a lot of inventory with fairly good tu
th insurance, as well as a regular income for our families.




nt contractors as needed.)


istant and our delinquencies, bankruptcies and foreclosures are skyrocketing.

w man, and my God. But, it's definitely becoming more and more difficult. Happy Holidays,            BC p.s. (As a moderate) At least Obama
 still be using us and every client save for one said "yes". I asked every client if they plan to use us when the economy picks up again and a
 am in danger of losing everything.




al (present) world than I am the future.




 bookstores and libraries. The only conclusion we can come to is that with the downturn in the economy more people are staying home and




 to Canada where we can get free health care and low-cost housing. That is the only way we will be able to survive on the small money we
we are a family bus. we will not give up or let it go under. We just keep tightening our belts and doing without for our selves. Thanks for list
 different heavy industries, who are for the most part, idling or shutdown. A pox on all the wise ass bankers and MBA's who put us in this me




 so will all the people we help employ as contractors and suppliers. How can you pull yourself up by the boot straps when the have taken aw
ut it is getting tougher by the month. It is such a shame that such unbridled greed is causing so much heart ache.




 our own sales and with the non-profits we do work for. Looking back over five years, most of the original owners still live in our homes. W




repare a plan for adapting to the new economy. Now we will scramble to pay rent, insurance, etc. Still, my feeling about all of this is that it
 that aren't going to get shipped away, and money that will be more likely to stay supporting other local businesses.




omer begins to feel more optimistic. The last time we went thru anything that remotely rhymes with this was the aftermath of 911 -- when
In time, the fraud got so entrenched that it look normal. Some agents gave up selling realty and went into the loan business. Today, one




ing, or shut down and walk away from it all.    It is so sad knowing that there are millions of people out there just like us who have worked




 business owners like me in a bind – i.e., not generating enough revenue to cover expenses and having no access to working capital to get




nly for collectors but for the majority of the folks who frequent galleries to view works by local and international artists. What will happen


inking for the next 3+ years.
that my employees already make from home as well as items that other local craftsmen make. We'll see how it goes...

again as venture capitalists invest in newer technologies but the near term looks bleak.   The continued turmoil in financial services has c




n donations and grants because of the recession, and therefore are canceling, delaying, or shrinking publishing and communications project
recipitous drop in our incoming sales, opening orders receipts were due to the vendors and they weren't extending any more credit...the cr
can't get credit. We used to be open 6 days for the cafe and had local business people for lunch (like 8 real estate agents from the broker d




And that's not grad school. If you think about these things too much, you make yourself sick. If you don't think about them, you can't act t




penses associated with shutting down. Interstingly shutting down properly takes nearly as much attention as running, maybe a bit more as




he 20 years, I have been in this business I have never seen conditions this bad...while it had been slow at times (for example, the '91, post
Rick the Remodeler




ss. in my 26 years in busines i have seen many companies come and go in western wisconsin.we are in the center of a building boom area




are spending more quality time together. Gas is under $2 Lowered prices at the mall is GOOD for consumers. Trade schools and private co




n are rentals and the tenants are having a hard time paying the rent because of the job market. We keep a positive attitude and have a pla
 nd once again, they are number one on their "important" list. family comes next. What's good for them, what's not. All will see that my p




oncerns with contractual ties to lenders. My men were unable to find jobs there because the nationals largely have Spanish-speaking foreme




ng. One caveat, they are "skilled" jobs; i.e., graphic artists, marketing specialists (pharma / med ed), desktop publishing experts. Oh, and




od for their families. It's a very scary time for artists.
y car, but my fave is: "If you are not outraged, you have not been paying attention." I certainly have been outraged since 1980. America's c
singly important to our clients. We do not expect to lay off anyone and in fact, look to grow the positions we have.




d rates and said they could take it away if I don't use it for a year. I am investing in a duplex rehab in a cool little neighborhood near
oncerned about the coming year as I see a long downturn ahead.




ed and antiquated lasers and endoscopes and are trying to figure out what to do. I am fortunate that all of my equipment is paid for, and t
ck and thin, and they are loyal. We are loyal to them. I am sure we will take a deep breath and come out on the other end better than ever




inventory with fairly good turns during good times but now inventory is sitting. I have spent a lot of money training and establishing a good
 moderate) At least Obama won so thankfully we can come together and deal with this crisis as a nation of intelligent, competent people an
conomy picks up again and all but one assured me that we are a part of their staffing function when it is funded. In the last year I have had




eople are staying home and looking for entertainment and our products are the kind of books that have lasting value as they are works that




ive on the small money we get as compensation for our disabilities; all we have is that. Everything else is gone. For a smart guy, I don't see
r our selves. Thanks for listening. Persis Newland, Kindred Spirits Wellness Center
MBA's who put us in this mess. Their greed for the dollar has been the ruin of us all.I know I have used too much debt but it was always m




aps when the have taken away your boots?
ers still live in our homes. We know of only two out o




ng about all of this is that it's a go
e aftermath of 911 -- when no one made purc
loan business. Today, one look around any NE




st like us who have worked hard all our l




ss to working capital to get by in the meantime.




l artists. What will happen to t
oil in financial services has created a nasty en




and communications projects. I don't hav
 ing any more credit...the credit cards were alter
ate agents from the broker down the street). Now lunch bus




 about them, you can't act to improve things. I'm




nning, maybe a bit more as it is easy to want to be distract




 (for example, the '91, post dot-com collapse
er of a building boom area and in the wealthiest county in the state




Trade schools and private colleges are seeing a boon in their b




tive attitude and have a plan to get out of debt. We discuss what
s not. All will see that my product i




ve Spanish-speaking foremen and use undocumented ali




ublishing experts. Oh, and
ged since 1980. America's current state of affairs




le neighborhood near
equipment is paid for, and that we
e other end better than ever. That's what h




ning and establishing a good relati
ligent, competent people and not rema
  In the last year I have had to have sep




value as they are works that can be listened to again and again. Wi




For a smart guy, I don't seem to have done too
h debt but it was always manageable til this reciss

								
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