that will make them more loyal. you have to spend money to make money. >> and for the prospective employees, don't come to a job expecting to be trained. if you are brought in as a book keeper, you need to come in with the skills. >> so be careful who you hire, unless you happen to love this person for some reason and you are willing to invest -- >> you don't want to go there. >> i have issues with that, too. >> thank you so much for all of this advice. appreciate it. if any of you out there have a question for our experts, all you have to do is go to the website. the address is op openforum.com/yourbusiness. or if you would rather, you can e-mail us your questions and comments at yourbusiness@msnbc.com. ma lynna and deana had some