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Work on a business idea that builds on your skill set to offer something new and innovative to the market. While developing a new business, keep working in your current position (or “day job”) to reduce the financial risk. Opt-in forms are a great starting point for building trust and respect with potential customers. The CAN-SPAM Act of 2003 sets requirements for commercial email by the Federal Trade Commission. You may also need other types of coverage, depending on your location and industry, but most small businesses are advised to purchase general liability insurance, or a business owner’s policy. Some Travelers Are Getting Paid Thousands to Give Up Their Plane Seats Having a business name does not separate the business entity from the owner, which means that the owner of the business is responsible and liable for debts incurred by the business. If the business acquires debts, the creditors can go after the owner's personal possessions. The proprietor is personally taxed