#real estate for sale Midlothian

[teamhensley]

homes for sale in midlothian va

Team Hensley Real Estate is a premiere team real estate agents located in Midlothian VA serving the metro Richmond suburbs. Team Hensley Real Estate is renown amongst its clients for being professional and fun to work with. We specialize in helping residential clients with buying and selling homes in the best neighborhoods of metro Richmond.

[richmondrealtors]

The Ultimate Richmond Realtors

Do you like to decide, how many bathrooms you like to have? Usually older home has one bathrooms or minimal amenities and buyers worry about purchasing/selling home that might cause a little stir in the market. Don't worry, the experienced Richmond Realtors Team Hensley will make sure you end up making a lucrative deal for your home.

Gone are the days when you had to wait a long time to sell your home which is worth a million-dollar deal. In the fast-paced era, the first impression is the last impression. To get your home- a lucrative deal, it is very crucial to make the first impression.

We make sure that your home is ready to hit the market to obtain the highest possible sales price. Our experts will visit your place and will give you suggestions on various factors before hitting the market to ensure there is no spot left behind in impressing the buyers.

Moreover, we will make your home active in multiple listing services to ensure that they are available to its right members. Whether you are looking for a home close to the museum or wish to stay next to the church, we make sure you get your dream home in your favored location. We have a network, experience, and knowledge of the neighborhood to achieve this. We will discover the home that best fits your style.

We know the right key for your lock. From visiting your place, to see if your home is ready to hit the market, guiding on factors like painting, flooring or any other replacement, setting meeting, taking a professional photo, to the final hit, we will help you with everything it takes to get your dream home or the valuable investment.

We understand buying/purchasing home is a large undertaking and it requires investing a lot of time and energy. However, with us, you don't have to feel frustrated about anything. You can rest assured that you do not meet any hurdles and stress during the process. Our agents will be humble in answering all your concerns that you may have.

We will move heaven and earth in helping you reach your destination without any burdensome. You will love the outcome that we offer as the Richmond Realtors.

looking for a list of Homes For Sale In Midlothian Va?

[smithmaria3876]

Best Real Estate Signs | 219signs

Customize online and order your best real estate signs offered by 219signs that are made with the best quality materials and HD printed. These durable signs are easy to implement and perfect for any type of environment. Order online and get best discount offers from our side. 

For more details, call us at +1 (219) 365-4088 or visit the website https://219signs.com/index.php?route=product/category&path=372_375

[tidehomes-blog]

The best real estate agents in VA. Homes for sale by The Melton Team, as well as information about our real estate team. Read our real estate agent reviews on Yelp, Google, Facebook and more!

[blogjasprit-blog]

Homes for Sale Richmond VA

I’m a business man who run the business in USA of different areas And my business is related to Real Estate Agents Midlothian Va. And we’re working in different area like Realtors in Richmond VA,Real estate agencies Richmond VA,Real estate in Bonaire,Best Real Estate Agents in Richmond VA,Homes for Sale Richmond VA,Real Estate Services Henrico .

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[roadtofreedom55]

Yard Debris Removal in Midlothian Tx

Mostly, there are those times when your yard may require a thorough cleanup. For an instance, a house that has been empty for a long time, a house that is about to be on sale or a house after facing severe weather conditions. A few times, it just assists to maintain the appearance and beauty of your yard to have an organized cleanup after regular intervals.Whatever the reason, our Yard Debris Removal in Midlothian Tx can provide skilled yard cleanup and debris elimination for a very reasonable price.

Some of the yard debris removal services we offer in our cleanup comprise of the following:

Lawn edging and mowing Pruning shrubs, plants and hedges Cutting back plants along walkways Cutting away overgrown vines or ivy Removing debris and leaves Cleaning walkways of debris Mending plant beds Cutting low tree branches along walkways Eliminating weeds Cleaning of all yard debris

Contact our Debris Removal in Midlothian Tx today for a free estimate on your upcoming huge yard cleanup. We have expertise in ongoing lawn care and accomplish yard maintenance strategies for year round nice appearance of your outdoor space.Our Yard Debris Removal in Midlothian Tx will provide clean up services for  commercial as well as residential customers all over the Texas. Our yard clean up administrations includes all the cleanup, loading, pickup and dumping of your unneeded backyard and lawn waste. With your instructions, our yard debris removal experts will separate out the yard debris and clean it away as part of our complete yard cleanup services.

Our full time landscaping gardeners and experts give professional backyard work administrations including weeds cleanup, ivy cleanup and any other lawn work requirements your garden might be needing.Our yard debris removal in Midlothian regularly provides  yard work, lawn cleanup and landscaping administrations to local real estate firms, property management firms, schools and government agencies, as well as non-profit enterprises in all their yard waste elimination and cleaning needs. All the metal, paper and recyclable items go to the recycle places and all the yard debris goes to an approved transport station to be sorted and recycled.We are offering free estimates on each of the yard jobs.For more knowledge , you can also give us a call and ask any queries you have related to the yard debris removal in Midlothian Tx.

At our yard debris removal in Mid Lothian, Tx we have hired full time gardeners with so many added with experience with everything from sustainence gardening to yard cleanup and yard work. Some of the administrations we provide are:

Weed removal and Ivy Removal Fence Fixing Power washing Garden maintenance Latest sod lawns New irrigation or irrigation repair Tree removal, tree pruning and tree trimming Retaining wall removal & repair Garden irrigation Cleaning of Gutter Hillside cleansing – fire security clearing

Road to Freedom Junk removal will give the best services regarding yard debris removal because we own a long term experience in cleaning yards and fixing yard equipment. We promise you the best experience.

[roadtofreedom98]

Yard Debris Removal in Midlothian TX

Mostly, there are those times when your yard may require a thorough cleanup. For an instance, a house that has been empty for a long time, a house that is about to be on sale or a house after facing severe weather conditions. A few times, it just assists to maintain the appearance and beauty of your yard to have an organized cleanup after regular intervals. Whatever the reason, our Yard Debris Removal in Midlothian TX can provide skilled yard cleanup and debris elimination for a very reasonable price. Some of the yard debris removal services we offer in our cleanup comprise of the following: Lawn edging and mowing Pruning shrubs, plants and hedges Cutting back plants along walkways Cutting away overgrown vines or ivy Removing debris and leaves Cleaning walkways of debris Mending plant beds Cutting low tree branches along walkways Eliminating weeds Cleaning of all yard debris Contact our Yard Debris Removal in Midlothian TX today for a free estimate on your upcoming huge yard cleanup. We have expertise in ongoing lawn care and accomplish yard maintenance strategies for year round nice appearance of your outdoor space. Our yard debris removal in Midlothian Tx will provide clean up services for commercial as well as residential customers all over the Texas. Our yard clean up administrations includes all the cleanup, loading, pickup and dumping of your unneeded backyard and lawn waste. With your instructions, our yard debris removal experts will separate out the yard debris and clean it away as part of our complete yard cleanup services. Our full time landscaping gardeners and experts give professional backyard work administrations including weeds cleanup, ivy cleanup and any other lawn work requirements your garden might be needing. 

Our Yard Debris Removal in Midlothian TX regularly provides yard work, lawn cleanup and landscaping administrations to local real estate firms, property management firms, schools and government agencies, as well as non-profit enterprises in all their yard waste elimination and cleaning needs. All the metal, paper and recyclable items go to the recycle places and all the yard debris goes to an approved transport station to be sorted and recycled. We are offering free estimates on each of the yard jobs. For more knowledge , you can also give us a call and ask any queries you have related to the Yard Debris Removal in Midlothian TX. At our yard debris removal in Mid Lothian, Tx we have hired full time gardeners with so many added with experience with everything from sustainence gardening to yard cleanup and yard work. Some of the administrations we provide are: Weed removal and Ivy Removal Fence Fixing Power washing Garden maintenance Latest sod lawns New irrigation or irrigation repair Tree removal, tree pruning and tree trimming Retaining wall removal & repair Garden irrigation Cleaning of Gutter Hillside cleansing – fire security clearing Road to Freedom Junk removal will give the best services regarding yard debris removal because we own a long term experience in cleaning yards and fixing yard equipment. We promise you the best experience. 

[teamhensley]

Houses for sale in chesterfield va

Team Hensley Real Estate is a premiere team real estate agents located in Midlothian VA serving the metro Richmond suburbs. Team Hensley Real Estate is renown amongst its clients for being professional and fun to work with. We specialize in helping residential clients with buying and selling homes in the best neighborhoods of metro Richmond.

[marlaluster]

Emptying the cliptray on the new phone. ....

1. https://www.instagram.com/p/Bgb153uHFMj/ 2. https://www.instagram.com/p/Btp4WcmBxh0/ 3. https://fox2now.com/2019/02/21/family-shares-video-of-12-year-old-girls-final-moments-before-she-died-in-house-explosion/ 4. https://fox2now.com/2019/02/21/man-accused-of-taping-dog-now-facing-federal-charges/ 5. × Close Ad WATCH NOW: FOX 2 NEWS FOX 2 TV SCHEDULE AUTOS FOX2now.comMENU 22° Man accused of taping dog now facing federal charges POSTED 5:52 PM, FEBRUARY 21, 2019, BY ASSOCIATED PRESS Paul Garcia and Flick the dog. ST. LOUIS (AP) – An eastern Missouri man already facing state charges of animal abuse is now facing federal charges, too. A federal indictment announced Thursday charges 39-year-old Paul Garcia of Barnhart with one count of being a felon in possession of a firearm. The indictment alleges Garcia already had a felony record when he possessed a weapon on Sept. 14. No further details about that crime were released. Garcia was charged earlier this month after a Jefferson County deputy found a small dog in a ditch and wrapped in tape. Fingerprints from the tape led police to Garcia, who allegedly told authorities he believed the animal was spying on him for police. The dog recovered and was reunited with its owner. RELATED STORIES Court documents: Man thought dog was spying on him for policeDog bound with duct tape reunited with ownerDog found bound with duct tape in Jefferson County to be reunited with owner todayMan charged after dog bound with duct tape, tossed into freezing Missouri ditch TRADEMARK AND COPYRIGHT 2019 THE ASSOCIATED PRESS. ALL RIGHTS RESERVED. FILED IN: NEWS TOPICS: DOG ABUSE, FLICK, PAUL GARCIA SUGGEST A CORRECTION by TaboolaSponsored Links You May Like If Your Dog Licks Its Paws (Do This Every Day) Dr. Marty Do This Before Making Your Next House Payment (It's Genius) Mortgage Quotes | Fetcharate Free Real Estate Event In Midlothian 3/12-3/16 Fortune Builders Former NFL Star Troy Aikman Lives With His Partner In This Gorgeous Mansion Habit Tribe SPONSORED CONTENT ON FOX2 #1 Medicare Plan they don't want you to have! Insurance Company reveals real quotes! #1 Medicare Plan they don't want you to have! Insurance Company reveals real quotes! By Universal Health Benef... Antenna TV KTVI’s digital channel 2.2 shows hit movies and classic TV. POPULAR Dove is offering $5,000 grants for dads without access to paid paternity leaveMother took children from school for fake appointment before shooting them, investigators sayGlenn Zimmerman’s Long-Range Spring 2019 forecastGiraffe dies in tragic accident at Kansas City Zoo LATEST NEWS Song of the Day – St. Charles Boat Show by Lake of the Ozarks Marine Dealers Assoc.Money saver: JC Penney dresses on sale with prices as low as $5.99Chance for some ice and flurries in St. Louis later this weekTim’s Travels: Missouri Botanical Garden’s Orchid Show NEWS Court documents: Man thought dog was spying on him for police NEWS Man charged after dog bound with duct tape, tossed into freezing Missouri ditch NEWS Dog found bound with duct tape in Jefferson County to be reunited with owner today NEWS Dog bound with duct tape reunited with owner NEWS Homeless man accused in string of St. Louis-area robberies NEWS Family of illegal immigrant in sanctuary offer words of encouragement to mother of three detained and facing possible deportation NEWS Judge sets R. Kelly’s bond at $1 million in sexual abuse case NEWS R. Kelly to appear in court hours after his arrest on sexual abuse charges NEWS Man arrested after dog found frozen to death, left in Indiana dumpster NEWS A photographer who sexualized minors in model shots said he’d done so for years, complaint says NEWS Woman accused of dragging dog behind electric scooter now faces charges NEWS Woman accused of dragging dog behind electric scooter now faces charges NEWS R. Kelly surrenders to authorities at Chicago police station MOBILE APPS ANDROID APP ANDROID WEATHER APP IPHONE & IPAD APP IPHONE WEATHER APP FACEBOOK TWITTER INSTAGRAM EMAIL ALERTS ABOUT & CONTACT COVERS ONLINE PUBLIC FILE • TERMS OF SERVICE • PRIVACY POLICY • 2250 BALL DRIVE ST. LOUIS MO 63146 • COPYRIGHT © 2019, KTVI • A TRIBUNE BROADCASTING STATION • POWERED BY WORDPRESS.COM VIP Unmute 6. https://www.instagram.com/p/Btp4WcmBxh0/ 7. Its 11:19 am n the devil is going TOTALLY FUCKING INSANE AS TOTAL FUCK!!!!! IT KEEPS PRESSING PEOPLE IN MY AWARENESS N IT KEEPS OBSESSING W MY FACE N PRESSING IMAGES IN MY MIND OF JOWLS ON MY FACE, ITS GOING TOTALLY FUCKING INSANE ATTACKING EXTREMELY EXTREMELY BAD!!!!!!!! IT KEEPS OBSESSING W PRESSING A PERSONA OF WHATS SUPPOSED TO BE SOME UPTIGHT BLACK WOMAN N ITS NOT PRESSING OLD THIS TIME FOR WHATEVER REASON!!!!!!!!!!! IT'S GOING TOTALLY INSANE PRESSING WHITES IN MY AWARENESS FROM THE STORE AFTER I WENT TO THE STORE A BIT AGO!!! IT WAS -- A BREAK HERE, THE THING IS GOING TOTALLY INSANE AS TOTAL FUCK ATTACKING!!!! ITS OBSESSING W MY VAGINA!!!!!!!!!!!!!!!!!!!!!!!!! ITS GOING SO TOTALLY INSANE!!!!!!!!!!!!!!!! ITS GOING SO INSANE PRESSING WHITES IN MY AWARENESS!!!!!!!!!!!!!!!! ITS MAKING ME SWEATY!!!!!!! ITS MADE THE POWER BE OUT SO I CANT POST THIS NOW BECAUSE MY PHONE DOESNT WORK IN THESE APARTMEMTD!!!!!!!!! ITS OBSESSING W MY VAGINA!!!!!!!!!!! ITS OBSESSING SO BAD PRESSING WHITES IN 8. The devil continuing to go insane attacking. Its 11:27 am -- a break here. But the thing going so totally insane!!!!!!!!! Its making my face feel saggy!!! It keeps pressing people in my mind to be apparent as normal n not agreeing w stuff im doing or saying etc!!!!! Its going so insane, the thing. Its saying it cant go on anymore. Its seeming its having to be a bit more subdued. 9. https://www.instagram.com/p/Bt4C3g8BgRl/ 10. https://www.instagram.com/p/BcprMBnFb1_/?hl=en 11. https://www.instagram.com/p/BqA0oFAHYnH/?hl=en 12. https://www.instagram.com/p/BuIcpe3BTsX/?hl=en 13. https://www.instagram.com/p/BGhRWfsIMFx/?hl=en 14. https://www.instagram.com/p/Bjcdwc-Aixa/?hl=en 15. https://www.instagram.com/p/Btnn0oShQgC/?hl=en 16. https://www.instagram.com/p/Br0IfKkF6wL/?hl=en 17. 424,767 likes johnlegend Christmas Eve with my favorite girls bkrgrl187 Trump 2020 valeriemitchell438 Beautiful! bonniemuchomba @krystynnyaga 🧡 speakingonkemael I'll never listen to your music again speakingonkemael 😈😈😈😈🤓 gosiadupire7467 Soooo cute 😍😍😍 burika_7 Both beautiful 😍😍😍😘 jaz_spring @_ashyralieva_ Алтынайка, а вы с ней похожи😍 _ashyralieva_ @jaz_spring 😻возможно travelfashionhomehealthandmore Nice! nolaglamgirl Wow! Your daughter is just gorgeous! renehernandez1071 🙏🏽 emanuela_carbonella @roby__d_ tdkera Belli 💐😃⭐ mv251274 Beautiful❤️ vingotdoimoi92 Good Mom,good Girl. vingotdoimoi92 I love Everyone,join now! smirnovsmirnov9204 🔝💥⭐👌🔥 joelmaa08design Linsas 😍 myri1226 She looks so much like you rorolex6 May God protect them ❤️❤️🇵🇸🇵🇸 bella73carrillo Awwww 👏👏👏❤️ ssk060699 Luna is Beautiful .. zaban_boy the first one who's still with his wife😑amazing my legend😈😍😂 DECEMBER 25, 2018 18. https://www.instagram.com/p/BsPJf6hFOSe/?hl=en 19. 825,166 likes johnlegend My girls ❤️❤️❤️❤️❤️ birdamlasu571a Hello, please help me for Allah's sake, and I need food and vegetables please listen to my voice turkey / istanbul mrpuppetnostrings I'm confused @johnlegend why were you in the doc of rkelly I mean how is it that you r in.this I respect for what your doing for all these women but still 😕 anyone care to explain I mean @johnlegend sir won't reply to me but respect to you and why is everyone talking like the girl in the tape is dead like in past tense a_nanzii_ Family is The most important. 🦋🌚🙌🏻 gottabebri_ @jenatkinhair caption is fine ji_young43 Beautiful people ♥️ ji_young43 @jenatkinhair 😂😂😂 komanyakitwala Caption is good, I thought is Zanzibar.... Happy new year John and ya family.... _rebenok___ Определение и планирование желаемого пола ребенка leaderofthefallen Why is your kid sitting on your dog😂😂😂😂😂 exclusive_ua_77 😍 miatabares Omg she is so so precious !!!! tatianadurao ❤️❤️ virpivirtamo 💖💖💖💖💖💖 tdkera 💐💚😃⭐beauty hotnowboard1 Love the strategic placement of Luna to hide post baby tummy 🤣 duly noted 👏🏼 itsbreechannel Go see my last post where I accidentally made a recreation of Chrissy’s meme 😂 bapbankroll ❤️❤️❤️ buabanshopping Fab! princessaurora32 @johnlegend why no life vests on celebrityisrmarina I’d love to educate you about survival swimming lesson for your little girls @johnlegend do you know about #isrlessons ?? 2001dede You two are the perfect mother and daughter michelle.h1976 It's mommy and daughter time! We are having fun in the sun and ocean anewwaveaquatics 🌊🌊 justisha18 ❤️ JANUARY 4 20. https://www.instagram.com/p/BuSykseAP8Q/?hl=en

[richmondrealtors]

Watch Out For These Red Flags Before You Select a Real Estate Agent

Real estate is a fast-emerging industry. There are thousands of options available if you want to buy or sell a house. However, finding a deal which you think is best for your house is really important. In order to find a great deal for your house you definitely need a great real estate agent as well. There are various homes for sale in Midlothian VA but to choose the best you need to find the right real estate agent. 

Most real estate agents you come across will be independent contractors who are paid a commission based on the number of homes sold by them. Thus if you wish to sell your house fast in Houston, you need to find the right real estate agent who will market your property in a way that will attract a maximum number of buyers. 

Before you go ahead and finalize an agent, ask all your doubts away! Many brokers are not as worthy as they portray to be. Thus, you should check out for these red flags and prevent yourself from falling prey to any scam. 

Before going ahead and finalizing an agent, you must ask him to provide a quotation for your house. Once you receive quotations from your agent, you should make sure you ask quotations from 3-4 other agents. 

These listing prices should not have a major difference. If any of these agents are estimating your property more than the others, then this makes your property unlikely to be sold fast. Thus if you want to sell your house fast you need to make sure that your house is listed on a price which buyers will be ready to pay and is justified keeping in mind your property. 

Your agent should be always available to show your home to prospective buyers. A full-time professional agent will be fully focused on his work and will be aware of all the prevailing market prices.

If you are looking for Richmond Homes For Sale then make sure you visit teamhensley.com

[jefferysocialmarketing]

‪Hard-work Never Stops‬ ‪Social Media Real-estate Marketing‬ ‪Free 30min Consultation‬ ‪https://social5.com/re/jefferysocialmarketing‬ ‪#service #seo #business #realestate #realestateagent #homebuyer #home #house #agent #broker #brokers #sales #Marketing #b2b #b2bsales #content #contentmarketing #Trump ‬ (at Midlothian, Texas) https://www.instagram.com/p/B5LE8Umn4FZ/?igshid=1uk3qmkn8gsr9

[tidehomes-blog]

Homes For Sale Virginia

High Quality Homes For Sale Virginia

Turn-key, better than new HGTV stunner! Versatile 1-story floor plan w/ oodles of improvements! Custom plantation shutters & blinds! Welcoming hardwood floors throughout all main living areas & bedrooms! Ceramic floors in bathrooms & laundry room! Formal room w/ french doors, perfect for an office or private dining room! No wire shelving in closets! The open yet cozy family room offers custom built-ins & fireplace mantle, access to the backyard & flows seamlessly into the kitchen! The sprawling eat-in kitchen is sure to delight your inner Martha Stewart! Relish endless granite countertops, countless cabinets, a 6′ x 2′ center island w/ storage, gas cooking, high-end stainless appliances, and a 13′ x 7′ breakfast nook! Fall in love w/ the 6’x 3′ walk-in pantry, complete w/ a barn door! Escape to the owner’s wing, complete w/ a 12′ x 6′ California closet! The en-suite bathroom is spa-like w/ its massive shower! Other bedrooms & bath enjoy maximum privacy, thanks to the hallway barn door! HUGE laundry room, complete w/ a built-in hall tree! Garage w/ utility sink! BIG back deck plus front porch! Established landscaping! A must see property in a super convenient community!

Listing Details:

PRICE: $419,900 ADDRESS: 9813 Cross Branch Dr CITY: James City Co. STATE: VA ZIP CODE: 23168 MLS: 1743115 YEAR BUILT: 2016 FLOORS: 1 SQUARE FEET: 2,335 LOT SQUARE FEET: 0.42 BEDROOMS: 3 BATHROOMS: 2 GARAGE: 2 Car POOL: Community

For more details, please visit at: http://tidehomes.com/listings/9813-cross-branch-dr/

About the Listing Agent:

Erin Melton, Associate Broker The Melton Team at RE/MAX Peninsula

Questions? Call Now: 757-784-1358 Erin Melton, Associate Broker – The Melton Team with RE/MAX Peninsula serving the communities of Richmond, Williamsburg and Hampton Roads, Va. Licensed in the State of Virginia.

[blogjasprit-blog]

I’m a business man who run the business in USA of different areas And my business is related to Real Estate Agents Midlothian Va. And we’re working in different area like Realtors in Richmond VA,Real estate agencies Richmond VA,Real estate in Bonaire,Best Real Estate Agents in Richmond VA,Homes for Sale Richmond VA,Real Estate Services Henrico .

[mikemortgage]

Invest in the company or retirement? More owners opt to save

NEW YORK — In John Holloway’s early years as an entrepreneur, saving for his own future wasn’t a priority.

“I invested a lot of money into one of my first businesses and came out break even at best. I am kicking myself for not setting some of that money aside for retirement,” says Holloway, co-owner of NoExam.com, a life insurance brokerage based in Roswell, Georgia.

These days, when his company’s cash flow and profits are strong enough, he takes money out of the business and invests in a retirement account.

“I am trying to diversify — having all of my eggs in one basket is stressful,” Holloway says.

Saving for retirement hasn’t been a priority for many small business owners over the years. They’ve hoped to build their businesses, sell at a huge profit and have a comfortable retirement. While they’ve taken profits out for homes and college tuition, it was more important to reinvest earnings into the company rather than save for retirement. But attitudes about saving may be evolving after the financial devastation of the Great Recession, when tens of thousands of businesses failed.

In a survey by insurer Nationwide released in October, 53 per cent of younger business owners — those born in the 1980s and ’90s — said having a workplace savings plan was important for their retirement. Fewer baby boomers, 39 per cent, felt it was important. Older surveys show how boomers favoured their companies over saving — the Small Business Administration said in 2006 that only about a third of owners had Individual Retirement Accounts and 18 per cent had a 401(k).

When Ron Lieback started his digital marketing business, he began setting aside 10 per cent of his own salary. Profits from the company, ContentMender, are reinvested into new technology, but Lieback wants to be personally prepared for the what-ifs.

“Something could crash and our business could fail. You always have to have that in the back of your head, so you need that nest egg,” says Lieback, whose company is based in Mountain Top, Pennsylvania. To help his company be more profitable, and therefore help himself save, Lieback uses freelancers for some of ContentMender’s work.

Owners who expect companies to fund their retirement are optimistic but may be overlooking the fact that they and the business are vulnerable to potential calamities, says David O’Brien, a financial adviser with Evolution Advisors in Midlothian, Virginia. For example, an owner who’s the company’s key employee can be sidelined by a serious illness, hurting the value of the business. Or if patents are infringed and once-exclusive products are now sold by competitors, a company’s value can plunge.

Moreover, O’Brien says, when it’s time to sell, buyers might not be willing to pay what the owner hopes for.

“You need to shore up your reserves in case you don’t get the sales price of your business that you want,” he says.

Many owners couldn’t get their asking prices during the Great Recession and its aftermath. Sales of companies plunged and didn’t recover until 2013; they’ve soared since as owners finally got the deals they wanted.

However, many startups might not exist if owners hadn’t plowed every possible cent into the business.

“We invested everything we made back into the business to get it past the tipping point of financial stability,” says David Gafford, who owns Fusion Creative, a digital marketing firm and a credit card processor, both in Indianapolis. “Then we made the turn from putting everything back into the business to focusing on our personal and family goals as well.”

But, Gafford warns, saving will affect the business: “You’re really dramatically slowing the rate at which you’re going to grow.”

Financial adviser Nathan Fisher finds owners don’t think about retirement savings until they’re prodded by employees; putting money aside suddenly becomes a priority.

“Their nest egg is their business,” says Fisher, senior executive vice-president of Fisher Investments 401(k) Solutions. “Then they get employees who say, ‘my old company had a 401(k), why don’t we have one?”‘

But Shamila Nduriri, who studied finance in college, saved aggressively when she worked for a corporation and continues to put money aside now that she owns Dalasini, a jewelry company based in Las Vegas. While she is saving for retirement, real estate investing and contingencies, she also wants the tax savings from contributing to a retirement account.

“It’s foolish to leave money on the table if there’s a tax benefit to it,” Nduriri says. She can deduct up to $55,000 a year for money she puts into what’s called a Simplified Employee Pension, or SEP, account.

When Nduriri decided what kind of business to start, she chose upscale jewelry because it has higher profit margins, and that makes it easier for her to save.

“When your margins are thin, you have to invest every penny,” she says.

Some owners, because of the nature of their business, believe it’s wiser to keep investing in the company. Metropolis Collectibles deals in rare comic books and comic book art, some of which have sold for hundreds of thousands of dollars. Co-owner Stephen Fishler believes comic books are a better bet than stocks, so he focuses on the items in his inventory.

“Investing in them, from my perspective, can do significantly better than putting those same funds into more traditional investment vehicles,” he says.

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