Small business owners have plenty of challenges and worries to occupy them. A recent survey performed by the National Federation of Independent Business noted that 9 of the top 10 small business challenges directly relate to government, with health care and excessive regulation #1 and #2, respectively. The #3 worry, federal income tax on business, is one that business owners don’t perhaps understand well enough, as it can actually be a big asset to them and their families when it comes . . .