Q: Johnnie from Tappan enjoys his job in the health-care field, but wants to own a hotel or motel. He wants to know how to get financing and take the other steps that will be necessary to get started.
A: Consider starting out by taking a job managing a motel. That will give you an opportunity to learn the business and decide whether it's for you. Another option might be to open a bed & breakfast. But if you have your heart set on owning and operating your own motel begin looking for one that's for sale or for a vacant parcel that has development potential. For help in developing a business plan and securing funding call the Service Corps of Retired Executives, or SCORE.

Q: Maria from Eastchester and a business partner want to start a business designing handbags, but need financing. They already have a business plan, which is a big step.
A: She should contact the retired executives organization or look for banks that fund startup businesses.

Q: Joel is sure he can design a machine that would help in the treatment of the AIDS virus and hepatitis, but can get funding.
A: Joel should continue to seek venture capital funding. Since the mortgage on his home is paid off he might also consider seeking a home equity loan.

Q: Karen from New Rochelle wants to start a franchise that would market gutter covers to companies that clean gutters and other potential dealers. She wants to know how to find a lawyer who can draft agreements with the manufacturer and her customers.
A: She should ask professionals she already uses - such as her accountant - for the name of a lawyer who can do the work. If that fails she can review information provided by Martindale-Hubbell, a recognized source of information on lawyers. Information can be found at www.Martin-dale.com.