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It never ceases to amaze me how many people set-up a website, without any type of plan or clue about how to promote it, how to write a sales letter, how to write an ad-- nothing!

Even more amazing is how many people try to conduct business online without any money.

The other day, I received an e-mail from a woman named Nadia inquiring about my E-mail Consultation Service.

In her e-mail, she explained she had "empty pockets" and couldn't afford my subscription fee. However, since her ancestors were gypsies, she had plenty of jewelry and she'd be willing to pay me with a few "trinkets and lockets," in exchange for my help. I politely declined her offer.

I get my share of crazy e-mails, so I have no idea if that one was a hoax or not. I'm assuming it was, since I never heard back from Nadia. Besides, I get so many e-mails every day from people asking me for free help and advice, I generally skim over them quickly and delete them.

People, listen to me, please! You can't conduct business online or offline without any money. You just can't do it! Now I'm not saying you need thousands of dollars--although that wouldn't hurt.

However, you need to at least have two or three hundred dollars in the bank to work with.

It's a myth that you can make money without having any money- -just a myth!

The number one reason why most businesses fail is because they're undercapitalized. They come online with just enough money to buy one ad--hoping to make a killing!

If that ad happens to be a success--bingo, instant cash flow! But if that one ad fails, just like that, they're out of business.

I know you're excited about your new business, and you can't wait to get started. However, instead of rushing into things, take a few more weeks or months to save up a little more money, and then get started.

Doing it that way does require a little more patience. But by having a little money to fall back on, you give yourself a greater chance to succeed, and in the long run, you'll be a lot better off!