Free help online for startups
By Kim Komando
Many people dream of starting their own business but are daunted by the risks and costs. Freebies online can help you start and manage your business.
I've been down this road. Back in the day, I blundered around with marketing. I worried about making the payroll. Fortunately, it eventually worked out.
There was help available. Without the Internet, though, it was harder to access. I wasn't even aware of some of it. Today, things are different, as the Web delivers help right to your computer.
You still need a few good ideas and you have to work hard. But here are some things that will help fill in those potholes.
The best solution is probably a bank loan. Before you visit your banker, visit the Small Business Administration's Web site (www.sba .gov).
The SBA offers a wealth of business information. Quizzes will help you determine if you're suited for business ownership and will help you consider the needs of your business.
The SBA also offers funding programs. It will guarantee your bank loan. If you fail to repay your loan, the SBA will cover it.
You need a good business plan and a solid credit rating. But a guarantee from the SBA will help open bankers' doors.
You'll also want to check out the IRS' introduction to federal taxes for new businesspeople. You can watch the video on the IRS site or order a free CD.
Microsoft offers free accounting software designed for small businesses. Office Accounting Express (www .ideawins.com) helps you create quotes and invoices. It also tracks employee time and business expenses.
The USPS also provides information on direct-mail marketing. It offers templates for creating your own mailing pieces. Or, you can find links to private providers.
