[TidesHoss32]

I would talk to a business person that is actually feeling negative effects of the insurance thing. If you will read the website, they give you credit to buy the insurance, it might be enough for what you need to buy. Check it out for yourself, and don't take the word of anybody that doesn't own a business, and is actually having to pay a lot more. Or, do like all these guys here suggest, and only work the people 29 hours a week. I wouldn't take any advice from most here, I'd talk to a CPA or tax lawyer, that can shoot you straight. Maybe Bob Seger can clue you in on how it is affecting his business.

Well I meet with a loan officer soon enough and I'm gonna see what my options are. I don't want to invest money into something that is 50-50. I don't mind taking risks but I definitely will talk to more knowledgeable people about it. I have annuities that I don't want ruined, and savings that I don't want drained on something that will turn out to be a pipe dream.
Also, that last post was supposed to be a continuation of the post before that but the time elapsed, so no I'm not losing my mind haha..thanks all..