Here are a few great sources of OTM:

1) If you want to get training and/or money to start your own business, millions of dollars are available at www.sba.com. They'll also show you how to find alternative sources of financing, how to protect your invention, how to sell your idea, how to license your product, how to write legal contracts, how to sell overseas, and how to buy business equipment.

2) If you want money to export and sell products to foreign countries, you can obtain it from Export-Import Bank of United States at www.exim.gov. Or you can go to The Overseas Private Investment Corporation (OPIC) at www.opic.gov.

3) If you want to obtain government contracts, then access Procurement Assistance Offices online. Here, you'll learn how to draw up a business plan that'll get your business noticed. They can match product or service you're selling with appropriate agency, and then help you market to them more effectively. You can find these programs at www.dla.mil.

4) If you need venture capital for a new or existing business, then you need to go online and access Small Business Investment Company (SBIC). These are privately-organized and privately-managed investment firms that are licensed by Small Business Administration (SBA). With their own capital and with funds borrowed at favorable rates through federal government, SBICs provide venture capital to small independent businesses, both new and established. You can access them at www.sba.gov/INV.

5) If you need free help or want to learn how to do your own personal or business taxes? All you have to do is access www.irs.ustreas.gov/prod/bus_info-bus_help.html.

You can also obtain a free 26-page book on Internet called The Credit Process: A Guide for Small Business Owners. It's written for small business owners seeking financing for first time. It covers sources and types of financing; funding resources; preparation of a business plan; preparation of loan applications; and action to take if a loan is denied. It also contains an especially useful and comprehensive glossary of finance terms, agencies, and fair lending regulations.

Your 401K portfolio should be chosen carefully, weighing age and risk factors. The older you are, less stock you should have in your portfolio. Many financial advisors suggest that your portfolio percentage of stocks should be your age subtracted from 100. Therefore, a 25-year-old' s portfolio should consist of 75% stocks. However, if you're not comfortable with that level of risk, then simply chose fewer stocks. Do remember this: over last century stock market has returned an average of 11% (this includes all wars and Great Depression). Your plan will most likely offer 4 to 7 investment options of mutual funds, stocks, bonds, etc. for your portfolio. My company provides 10 options of which I have chosen 5.

Chose wisely and consider how much risk you are willing to take. Most of all, you need to be comfortable with your choices. If you need further assistance in choosing your investment options, check out www.morningstar.com or MorningStar books at your local library.