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Most companies in America are the equivalent of garage businesses with no corporate structure. That works fine for most people ... until you need to hire someone, take out a business loan or you get sued. Business incorporation provides you legitimacy, and some legal protection. Sure, there are legal forms and paperwork to complete, and you will need to ensure compliance with a formal set of rules (most of which you're already following,) but the benefits will easily outweigh the nominal cost of incorporation.
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