When starting a business, remember that time is money

This challenging economy and stagnant job market have left plenty of qualified and capable Americans without work. And when qualified and capable people suddenly have time on their hands, many of them will think about starting their own business.

Almost everyone knows that you need a business plan, but one of the most difficult questions to answer when developing that business plan is how much start-up costs will be. There are so many factors to consider, including business licenses and incorporation fees, patents and trademarks, business insurance, leases for an office or production facilities, and many more.

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How moms can find opportunities to chase business dreams

(ARA) - While raising children, many women find themselves looking for a solution in which they can work, while still being involved in their child's life. This may be one of the reasons for the rising trend of successful "mompreneurs" - women starting and running their own businesses, often from home.

There's no need to choose between being a parent and running your dream business. Female entrepreneurs have been phenomenally successful in the recent past, with more than 8 million women-owned businesses in the United States.

Read more: How moms can find opportunities to chase business dreams

Challenges of changing banks; it's just a myth

(ARA) - "Get a fair shake, not a shake down," appropriately reads the headline of Money magazine's recent article about Americans' discontent with their bank. The story, in Money's September 2011 issue, reports that 37 percent of Americans are satisfied with their banking institution and just 27 percent of customers who bank with the nation's three largest banks are happy. Simply put, most Americans feel they are not getting the bang that's been promised to them for their buck.

Despite consumers' dissatisfaction with their banks, a large percentage of us continue to do business with financial institutions that don't treat us well. A logical explanation could be that 58 percent of consumers believe switching banks is too much of a hassle, according to Money. John Rosenfeld, executive vice president at TD Bank, says that's not the case.

Read more: Challenges of changing banks; it's just a myth

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