Small business abroad. Ways to open a business in the usa Small business in the united states of america

Few associate the United States with small business. On the contrary, world-famous corporations, skyscrapers towering over cities, businessmen driving around in expensive limousines are well known. And yet, most Americans work in small businesses. It is small business that is an indicator of the success of the US liberal economic model.

In the US, small business acts as a kind of "fastening material" of the economy. While huge corporations are marking time, small companies and startups are adapting to new realities, using new technologies, applying new management and management methods, thereby increasing the competitiveness of the United States in the global market.

The importance of small business to the American economy cannot be underestimated. Therefore, the government not only does not create obstacles for development, but also stimulates small businesses in every possible way: favorable credit conditions, tax incentives, grants.

Starting a small business or buying a working company is a serious undertaking that promises attractive prospects. Let's talk about this further.

Small business in the USA. Statistics

In the US, companies with fewer than 500 employees and less than $7 million in average annual revenue over the past 3 years are considered small. They employ 52% of working Americans. At the same time, in the early 1990s, it was in small business that 64% of new jobs were created.

There are about 20 million registered small businesses in the United States: 82% work in the service sector, 13% in industry, 5% in other industries. This state of affairs is understandable - the provision of services does not require significant capital investments.

Small business is a driver of innovation. Small companies and start-ups file 13 times more patents each year than the average and large companies. The vast majority of IT companies operate in small businesses.

Every year, about a million new small companies are opened in the country, with 20% of them starting a business with a capital of less than $5,000. 50% of small businesses make about $1 million in 2-3 years.

Small business in the US is not as small as in the EU. Companies with fewer than 20 employees employ only 20 million Americans; less than 19 million - in companies with a staff of up to 100 people; 15 million - in companies with a staff of up to 500 people. American small business is more solid and definitely “fatter” than in the EU countries, where micro-businesses with a staff of 2-3 employees thrive.

Some features of small business in the USA

  1. There is no state for state. Each US state is, in a sense, a separate state with its own legislation. When registering or buying a company in the US, choose jurisdiction wisely. It depends on how much you have to pay for the registration or transfer of property (registration, registration and other fees), how much taxes you will pay and what reports to submit.
  2. The form entrepreneurial activity has the meaning. It depends on the form of entrepreneurial activity what rights to the company you have, what preferences you can count on and how much taxes you undertake to pay. For small businesses, we recommend choosing between LLC (Limited Liability Company), S Corporation (S corporation), C Corporation (C corporation), Partnership (Partnership).
  • Insurance and licenses are important. Working without insurance and licenses in the US is not only difficult, but often impossible. By registering or buying into a company, obtain the necessary licenses to conduct business and provide services. Don't forget to insure yourself, the company and employees.
  • All documents matter. In the United States, documents are drawn up and signed not for show, but because they are needed. In work, do not rely on the word - always fill out the necessary documentation in order to protect your rights in court if necessary.
  1. The laws are clear, transparent and the same for everyone. In the US, all market participants play by the same rules, which greatly facilitates the conduct of business and gives confidence in the future. In addition, they do not take bribes and there are no political risks.
  2. The government helps small businesses. The Small Business Department assists start-up entrepreneurs at all stages: chooses a strategy, draws up a business plan, plans a financial plan, draws up documents, helps with finding employees, etc.

Top niches for small businesses in the US

If you want, but don’t know where to go, we advise you to focus on the following niches:

  • Software and application development
  • Accounting and audit services
  • Care for children and the elderly
  • Pickup and delivery of goods
  • Medical service
  • Dental Services
  • Manual Therapy and Chiropractic
  • Construction
  • Trade
  • Language classes

To work in many of these niches, you will need not only education, but also licenses. If you have neither the first nor the second, invest in an already operating business or repurchase the company.

Are third party services required?

Although it is easier to register (or buy) a small company than an international corporation, there are pitfalls here too. You need to be extremely careful when choosing a jurisdiction and form of business activity, filing and processing registration documents, opening accounts with the IRS and banks, paying taxes, obtaining licenses, applying for insurance, etc.

If you wish, you can figure it all out on your own, but practice shows that few succeed without understanding American law. Incorrectly completed documents lead to refusals, fines and even criminal prosecution, not to mention lost money, time and prospects.

Feinstein & Partners is ready to help you. We have been engaged in registration and legal support of companies in the USA for more than 15 years. We are ready to take on all the difficulties of registering or buying a small business. We guarantee results.


It is important to have an idea about the design rules, optimal marketing and management for this country.

America provides an opportunity from scratch and quickly develop it. Most promising directions for start-up entrepreneurs:

  • accounting services;
  • legal service;
  • retail;
  • medicine (especially dentistry);
  • Agriculture.

Which option to choose?

It all depends on the starting capital and the specific state for the potential business. For New York, the best options are:

  • opening a pharmacy;
  • sale of shoes and clothes;
  • dental clinics;
  • repair.

For Los Angeles:

  • auto repair shops;
  • security firms;
  • sports complexes, gyms;
  • cosmetology.

You should choose the industry that meets two conditions: promising for a particular state and understandable to a potential entrepreneur. The question may arise: as a new case, is it better to choose what is relevant or new ideas? It depends on the experience of the entrepreneur.

For beginners, it is better to use the most reliable options., and professionals can try themselves in something new.

It should be noted that in America it will be difficult to organize something radically new, at least, it is unlikely that it will be possible to draw an idea from domestic business.

Ways to start a business

After choosing the specifics, it is important to decide how. There are several options:

1. Buying an existing firm

For beginners, this is the best option. Suitable: small shops or points of sale, agencies for the provision of services.

Pros:

– no need to look for an office or a store, to obtain permits (you only need to re-register the business);
- there are regular customers;
— Procurement is established and there is a staff.

Minuses:

- to buy a ready-made company will require a lot of money;
- additional costs may arise when re-issuing;
- it is important not to make a mistake with the choice ready business(it may turn out to be unpromising, that's why they sell it).

2. Buying a franchise

For Russian immigrants, this is a safe option, providing a ready-made base and assistance from the franchisor.


Pros:

— reliability;
- you can work almost immediately (registration is carried out quickly);
– all conditions have been created (a business plan has been drawn up, there is equipment and an active advertising campaign).

Negative sides:

— it is necessary to strictly observe the rules established by the franchisor (there is no room for creativity);
- dependence on the main company (both in terms of doing business and in terms of profit).

3. Partnership

By investing in an already existing business, you can become its co-owner.

Pros:

- there is already a ready-made field of activity;
- there are regular customers or buyers.

Minuses:

— the investor is only one of the owners.

4. Opening a new company

This option is valid only if you have experience building a business. In addition to drawing up a business plan, renting premises, solving organizational issues, hiring personnel, obtaining permits to conduct commercial activities in the USA is added.

What do you need to open your successful business in the USA?

The stages and actions depend on many factors, including whether there is a visa, what type of activity is chosen. General instruction includes:

  1. Obtaining a business visa. Quite difficult and painstaking, not always successful. The second option: registering a business in your country, and after that you can acquire or organize a business in America. This gives a bonus: an L-1 visa (valid for 3 years).
  2. Room rental. Depending on the type of activity, it must comply with the regulations established by a particular state. The average cost of renting a small commercial space in the US is $5,000-7,000 per year.
  3. Business insurance. This is a required step. Costs - about $ 4 thousand (annually).
  4. Hiring staff. Wages in America are usually calculated by the hour. On average, it is about $10 per hour.
  5. If this is the first experience of organizing a business in the USA, then worth hiring a lawyer.
  6. Payment of state duty(carried out immediately after the registration of the business) is about $2,000.

Success Secrets

To achieve financial success in the USA, need to be ready:

To continuous development and fight against competition;
to be persistent best result reach those who are willing to take risks);
to large investments (at least $15,000).

A professional approach and choosing the right one in the USA is a guarantee of success and a stable average income.

Another advantage of America is the ability to constantly develop and expand its activities.


Moving to America is the dream of a considerable number of foreigners. The ways to achieve it are different. But the easiest one today is to invest in an enterprise in the United States. Of course, the ways to open your business in areas of life in the United States are not cheap. However, those who have sufficient start-up capital on their hands can freely one day receive the coveted permanent residence.

Large investors are unlikely to need extra advice, but representatives of small businesses need to know that enterprises include enterprises in this form of US activity:

  • having a small number of owners;
  • containing a team of no more than 500 employees;
  • secured by property in the amount of up to 5 million dollars;
  • bringing up to 2 million dollars in profit per year.

In general, before you open a business in America, you need to establish the scale of the venture by American standards. The country divides all business entities into the smallest, small, intermediate, large, and largest. Wherein:

  • companies with 1-24 employees have the status of the smallest;
  • small objects are provided with 25-99 workers;
  • intermediaries have the ability to hire from 100 to 500 employees.

It is these three forms that are considered small business by American law.

AT financial plan opening a business in this country must be accompanied by investments of at least 500 thousand dollars. Such a start will allow opening a business in rural areas, provincial cities. For development on the basis of economically strong, large regions, sums of 1 million or more will be required. Accordingly, the larger the investment, the kinder the United States is to the foreigner who made it.

Regarding the share of certain areas of commerce, by 2019 more than 35% of it is occupied by services, about 12% by construction, about 10% is related to healthcare. Next come manufacturing, retail, real estate. The least developed areas are mining, forestry, information services.

How to start commercial migration

Business people from Russia who want to open their business in the United States, first of all, must decide on priorities:

  1. Planned purchase finished project or the case will be opened in America from scratch.
  2. Desired (available) form of ownership of the company.
  3. Willingness to regularly cover (size, types depend on the form of ownership).
  4. Location of the enterprise: different regions provide different opportunities, as well as tax incentives for investors.

Having dealt with the ideas, you should prepare a detailed business plan, which will be required by the immigration service upon entry, the bank when applying for a loan.

By the way, there are no loans to non-residents for entrepreneurship from the stars and stripes, however, a foreigner can freely get a loan to purchase commercial real estate.

American Business Opportunities for Russians

The most affordable, fastest way to join the American economy is to own real estate from state funds. True, if the property is non-commercial, a residence permit cannot be obtained.

When deciding to establish your own company and choosing which business to open in the United States, you should consider: highly profitable areas associated with the real estate market, transport production, trucking, and tourism are pretty crowded. It is better to take on these industries with either a brilliant plan or a major professional qualification.

As of today, experts predict success for the Russian businessman in such local projects as:

  • organization of purchases on the Internet;
  • Notary Services;
  • household and professional consultations;
  • providing care for pets;
  • search services for nurses, nannies;
  • individual or group trainings;
  • household repairs, construction, restoration of old things;
  • car service, eco-wash;
  • services of paramedical staff (assumes a compulsory license).

If there is an ongoing project in Russia, then it is not worth puzzling over how to open a business in the USA - it is most convenient to organize a branch of an existing entity. In parallel, this will be a demonstration of the success of the Russian businessman, the fact that he has a good amount of Money, effective activity.

An important detail: the American side recognizes as an investment not only money, but also real estate, inventory, tools, and other tangible or intellectual assets. Also, not all forms of ownership are allowed to foreigners. What is allowed to a business American may be forbidden to a Russian entrepreneur. There are circumstances under which a foreign owner of an enterprise is prohibited from being an employee there.

Registering your business in America step by step

Official registration of your project in America requires care, accuracy, transparency.

The procedure consists of mandatory steps:

  1. The first stage is obtaining an EB-5 business visa. It is issued exclusively to businessmen, without entrepreneurial activity it is impossible to get it. An alternative is an invitation from partners, providing a business visa B1 / B2. Having entered first on it, you can reissue a visa for the desired subspecies after obtaining permission to conduct the intended activity.
  2. The next stage is the acquisition, rent of a working room. Rent ranges from 1 thousand to 5 thousand dollars, based on where the rented property is located, what it is intended for, what is its area. Without papers confirming the availability of premises for work (rent, property), it is impossible to register a company with the Americans.
  3. US laws oblige the owners of any business to insure their business against unprofitable risks or force majeure. Therefore, you should be prepared to pay about 5 thousand dollars for insurance.
  4. Staffing the enterprise with employees in accordance with the laws of local government. The immigration authorities are very supportive of foreigners creating new jobs for Americans.
  5. Involvement of a lawyer in the opening of a business project. It is incredibly difficult to comprehend on your own, without the participation of a specialist, the legislation of America for the implementation of commercial projects. There are stricter rules for foreign citizens than for local Americans.
  6. The final step is the payment of a special fee (about $1,000) and registration of the case.

Constituent documentation in the United States is legalized last, when a place for expanding activities has already been rented, employees have been enlisted. Registration is made through the secretariat of the state, where the application is submitted for standard form(each region has its own). The document must contain the name of the company, its legal address. Upon positive consideration of the application, registration (Certificate of Incorporation) and corporate (Corporate Chapter) certificates are issued.

The first day of the month following receipt of the registration is set aside for the gathering of shareholders, the election of the president of the company, secretary, directors. All other constituent papers are brought to mind. Information about the appointed leaders is also subject to registration with the secretary of state, for which the Initial List of Officers, Directors and Resident agent is compiled.

The final step, which completely closes the registration process, is the company's registration with the IRS with the assignment of an EIN Number. After that, a whole year will need to prove the profitability of the undertaking. There are special checks for this. If they recognize after a year that the business is working successfully, the project owner is entitled to obtain a residence permit in the United States, and after 5 years become a candidate for.

Choice of area of ​​influence

The Americans have created a unique state system: the Constitution is common, but each region is free to decide criminal, tax and business issues at its discretion.

When choosing a location or tactics for founding a company in the United States, a Russian entrepreneur should study in detail the legislation of the area of ​​interest in order to avoid unpleasant surprises. Local taxes deserve special attention, they are different in all regions. For example:

  • Texas, Nevada, Washington do not take taxes locally;
  • Delaware will have to deduct an additional 8.84%;
  • California keeps 8.7% of profits;
  • the city of Washington, DC, will take 9.5%.

The federal tax rate is the same for everyone.

If you find an error, please highlight a piece of text and click Ctrl+Enter.

Evgeny Smirnov

bsadsensedynamick

# Business nuances

American Business Features

In the USA, taxes are much lower compared to the rest of the world, and in the states of Nevada and Wyoming they are completely absent!

Business immigration to the USA is one of the most simple ways move there for permanent residence. Considering the current situation in the global economy, the prospects for doing business in America are beyond doubt. To open your own business in such a developed country, you should understand which areas are the most relevant and profitable.

According to the US Department of Commerce, the construction and gambling businesses are considered the best in the country in terms of profits. However, there are other areas that require minimum investment and different prospects.

Business in America, which is not in Russia

The US is a country where small businesses thrive. The mentality of Americans is built in such a way that they know how to make money on ordinary ideas. If we compare small businesses in the US and Russia, we can see that American ideas appear on the domestic market with a delay of 3-5 years.

portable gym

Americans are a nation suffering from obesity. People who spend most of the day in the office can't afford to go to the gym regularly. They just don't have time for it.

Businessmen saw this as a promising niche and suggested that companies equip a small gym where employees can work out during their lunch break. The advantage of the business is that you do not need to pay rent: it is enough to install sports equipment and find professional trainers. A portable gym is a great example of a small business with minimal investment.

pet care

People who lead an active life do not have time to take care of their pets, but at the same time they want them to look happy and well-groomed. Entrepreneurial Americans created a profitable American business - a taxi for transporting animals to clinics, beauty salons, etc.

One of the services is also a pet hotel, where wealthy people leave their pets for vacations or business trips.

Mobile hotels

Finding accommodation in a foreign city is not easy. American entrepreneurs offer fully equipped comfortable vans that are adjusted to any place at the request of the client. Guests can spend the night inexpensively right on the spot with all amenities.

Public laundries

Dry cleaners have been operating in Russia for a long time, but there are no public laundries yet. This type of business is profitable and very popular. Clients give preference to it, as it is more profitable and allows you not to depend on the workload of dry cleaning.

Such a service will be popular and in demand among students living in hostels. The fee for washing is set symbolically, and the profit is obtained due to the huge number of customers.

Business in America for Russians

In the US, equal opportunities for every person, including Russians. But most of our compatriots are limited by finances, so some types of entrepreneurship are not available to them.

Russians often trade in food products - bread, cereals, vegetables, fruits, etc. Some sell universal solar panels, which have become very popular in the United States. The margin on them is 200-250%.

Other areas of activity of Russians in the United States are the restaurant business, dry cleaning, car washes and other service industries.

What small businesses are there in the USA

There are 350 million people in the United States, and only a productive business can serve that number of people. Therefore, America has become home to many ideas for small businesses - a good idea can bring in billions.

Truck business

The trucking business in the USA is a risky but promising business. Let's take a closer look at this type of activity:

  1. To get started, you need to obtain a permit for the transportation of goods and select the location of the company and warehouses;
  2. It is necessary to deal with issues regarding the accounting of the company, as well as the literacy of financial transactions;
  3. Conduct an assessment of strengths and weaknesses truck business to assess its prospects.

Small truck business has its challenges. It is necessary to choose the right vehicle, optimize the cost of its maintenance, etc.

According to statistics, aspiring entrepreneurs in this field earn as much as truck drivers in large companies.

Real estate business

The real estate business is one of the most profitable in the country. It is not customary to search, buy or sell housing on your own. All this is transferred to realtors who work for a commission. There are usually no problems with finding clients. The pace of construction of skyscrapers and high-rise buildings is growing, so the market is not yet oversaturated.

If you plan to work on your own, then you cannot do without a good knowledge of English and the locality. You can hire employees, however wage will eat up a substantial part of the profits.

The flower business is attracting more and more Russians to the United States every day. Why entrepreneurs choose this direction?

  1. Easy entry. You don't need to invest a lot to get started. Enough money to rent a small room near the metro or stops;
  2. Huge margin - 100-150% of the cost;
  3. The ability to open or close a business without bureaucratic problems. All you need is permission from government agencies.

Among the minuses, one can note the fragility of the goods, as a result of which there is a lot of rejection, as well as seasonality. Best sales go to holidays but summer is the off season.

Every Russian, having arrived in the USA and found himself in Brighton Beach, dreams of opening his own restaurant. In America, it is not as easy to do this as in Russia. Firstly, there are practically no free premises in crowded and popular places. Secondly, you will have to work hard, because everything matters for the local population: the taste of dishes, the interior, the service, and even the personality of the owner of the establishment and the chef.

The restaurant business involves a solid investment. Only the development of design, interior furnishings and other little things will take 300-400 thousand dollars. In America, it is not customary to rent commercial premises for a short period of time. Usually here they initially ask to conclude a contract for 10 years or more.

It is necessary to take into account the speed of work of state institutions. It is impossible to open a restaurant without inspections by the fire service, sanitary control and a dozen other authorities.

New businesses in America

The difference between business in the USA is that it never stands still and is constantly evolving. The innovativeness of the idea guarantees its success and the possibility of making big profits. Without understanding business trends and interests modern man you can't build a successful business in America. There is great potential for:

  • Venture business in the USA;
  • Delivery of products and customer service using robotics;
  • Production of smart technologies that make life easier;
  • Business at American discounters.

Business innovation in the United States is built around the service and entertainment industries that are delivered through virtual reality technology. Delivery of products and parcels using robots is a new direction that is on its way to becoming.

Already, many large online stores, including Amazon, are testing the delivery of purchases using quadrocopters. In the future, this will help reduce costs and speed up delivery.

What business is popular in America

For those with no interest in engineering and nanotechnology, there are well-established and popular US businesses that have managed to captivate the American consumer.

Ordering food through the app

A new type of business, for the organization of which it is enough to hire an experienced developer and establish partnerships with various institutions Catering. In America, such services are popular in metropolitan areas.

The application allows the client to get information about the institution itself, the menu, the cost of dishes and the features of the proposed cuisine. It is enough to select the positions, after which the order will be formed and sent to the institution. The consumer remains to pick it up personally or use delivery.

Charging adapters outdoors

Many are faced with the problem when they urgently need to use a smartphone, and the battery is dead. To get out of such situations, street stands for recharging phones are located on the streets of the United States. The service is popular with both locals and tourists.

Selling snacks to people in traffic

This idea will not be in demand in small towns where traffic jams are rare. But residents of megacities are well aware of how difficult it is to stand in traffic jams, especially on an empty stomach.

In such a situation, a seller of snacks or water will come in handy. Profit is generated by a markup: products offered on the road are 10-15% more expensive than in supermarkets.

Cases with a compartment for bank cards

Selling card cases is a common business in the US. This is a convenient solution for people who do not want to take anything but a mobile phone for a walk or work.

There is nothing difficult in organizing such an enterprise, because you can order wholesale lots in the USA or China, and sell them via the Internet or at small points near the metro.

Pizza to order

The whole world knows about the love of Americans for pizza: they eat it both for dinner and for breakfast or lunch. Therefore, businessmen decided to offer the creation of pizza according to the sketches of the client. The novelty of the idea is to prepare a pizza according to the customer's drawing, using the ingredients suggested by him.

The client gets a sense of personal involvement in the preparation, and can also surprise guests. Due to this, the demand for such a service is high.

What business is thriving in America

American ideas for business are aimed at making life easier for customers. That is why there are many startups in the country that receive the approval of the population and thrive.

Mobile beauty salon

Every lady dreams of looking attractive and young, so the service sector aimed at this will always be in demand. Business ideas for providing salon services in special vans have appeared relatively recently, but have won the trust of women.

At first glance, the vehicle is no different, but here you can find everything you need to provide quality hairdressing services. Masters go to a pre-designated place and serve the client. The main advantage of such a business is that there is no need to rent a room.

Coffee subscription

Coffee is a popular drink with millions of fans in the US. However, not everyone can get certain varieties and try something interesting. This is where a startup built on delivering rare coffees to customers comes to the rescue.

To organize such a business, you will need to acquire partners-coffee producers, order a tasting set and sign a cooperation agreement. There will be no problems with customers in the USA. If you organize the menu correctly, then there will be a lot of people who want to receive interesting sets every month.

Men's beard cosmetics

One of the trends today are men with a beard, which is designed to emphasize their masculinity and individuality. Therefore, it is not surprising that there is a demand for specialized cosmetics for beard care.

Men prefer to buy complex cosmetics, which include waxes, liquid oils and shaving creams. Products are sold via the Internet or in special boutiques. The most important thing is to find manufacturers, evaluate products and enter into partnership agreements with barbershops.

It should be understood that the success of a business in the United States depends not only on the chosen niche. Americans are very demanding and need constant attention from the service provider. If the business owner himself is not involved in the process, does not try to interest customers and show their importance, then there is practically no chance of success. In the local market, it is not the quality of the product and its uniqueness that matters, but the presentation, well-organized marketing and a high level of service.

Successful businesses in the US attract millions of dollars of investment each year. The main requirement for such a project is its uniqueness and ability to meet the needs of customers.

Interior design platform

Online interior design platform Laurel & Wolf was established in 2014. In a couple of years, the company managed to attract investments worth $25 million. The platform is designed to bring designers and customers together.

The essence of the project is to simplify the process, making it more accessible and enjoyable. The main emphasis is on accessibility, because the services of designers in the United States cost from 6 thousand dollars. The work of a designer through the platform costs no more than $350.

Sale of concert tickets

Another interesting startup is Gametime, which has released an application for booking tickets from a smartphone. The main feature is that through the program you can purchase last-minute tickets the day before the start of the concert.

The developers have focused on ease of use. Buying a ticket takes no more than 9 seconds. Customers can send purchased tickets to friends via SMS.

Sale of luxury goods

Americans like to buy branded items that are limited edition or have historical value. However, the problem is that most sites offer fakes, and buyers find out about it too late.

Therefore, today startups are popular, which, before sending the product to the client, check it for authenticity.

American types of business

Entrepreneurship in the US is different from Russian or European. In the American market, you can see the original and interesting views businesses that generate significant profits.

rental business

The rental business in America thrives due to the fact that every year about 1 million immigrants come to the country. They settle in large cities and rent housing. In addition, nearly 35% of Americans prefer rented housing to their own. This creates great prospects and the possibility of making a profit from renting real estate for temporary use.

It is best to buy houses and apartments in New York, Chicago, Los Angeles, Houston and Philadelphia. The price of real estate in these areas is constantly rising, which will be an additional return on investment.

Business on services and goods for children

Social business is extremely popular in the US, especially when it comes to children. Teaching foreign languages, dancing, production of educational toys or clothing made from environmentally friendly materials - all these types of business with children in the United States are very popular.

You can also open the home Kindergarten. In America, parents prefer to send their children to private preschool institutions where each child is closely monitored and paid attention to his learning.

Online business in the USA

Electronic business started from America. The country is the abode of freelancers, remote workers and home based businessmen. Startups are launched every day, and most stores have long ceased to exist in their usual format and switched to the Internet.

It will be difficult for an immigrant to conduct an online business, since it is almost impossible to obtain a visa for this type of activity. Therefore, many simply combine their own business and official work. Business on the Internet can become a good source of additional income, and if successful, the main type of income.

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