Associated Press:  “These are anxious times for some small-business owners who face an Oct. 15 due date for their 2008 income-tax returns. These owners got extensions of the deadline for filing their returns back in April but aren’t ready to file. Or, they can’t pay the government the money they owe.  Some of them are just disorganized. Others might have a cash-flow crunch.  No matter what the problem is, if you’re one of these owners, you must submit your return by the deadline or face big penalties for late filing. And not filing your return will only prolong the agony.”