Whether you’re a sole proprietor with a home-based business, or a small to medium size business owner, the chances are you started your business because you recognized an opportunity to provide an idea for a product or service that people need. Like all business owners, you’re in it to make a profit, but with vendors to pay, payroll to meet, and a research and development costs, the money seems to fly out the door. And then, there are estimated taxes to pay and annual tax returns.