A couple of suggestions on the "start a business" front:
1) The first thing you're going to need is customers. Insurance, permits, equipment, bank accounts, etc. can all wait until you've secured your first customer. If you can't get that customer, spending money on the rest of the "real business" trappings won't help.
2) Once you do go through the paperwork stuff (particularly registration and licensing with the state and/or county), you're going to be deluged with marketing from folks who want to sell you business-oriented stuff. If you can, you may want to get a voicemail number, and list that as your "official" business number on all government paperwork.
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1) The first thing you're going to need is customers. Insurance, permits, equipment, bank accounts, etc. can all wait until you've secured your first customer. If you can't get that customer, spending money on the rest of the "real business" trappings won't help.
2) Once you do go through the paperwork stuff (particularly registration and licensing with the state and/or county), you're going to be deluged with marketing from folks who want to sell you business-oriented stuff. If you can, you may want to get a voicemail number, and list that as your "official" business number on all government paperwork.