Fresh graduates and aspiring entrepreneurs need to learn and absorb many skills that do not carry course titles in school. Credit rating, liability protection, and understanding insurance options and processes are important daily issues today. Entrepreneurs need to establish good working relationships with lending institutions that can serve them for their business and personal needs. A new venture will need a legal entity. All these and a lot more daily required information is packed in this booklet. These have evolved from personal experiences of the author and his colleagues from different disciplines. Though there is no shortcut to personal experience, there are many things that can be learned from others' successes and failures. Here is a book that attempts to impart this knowledge. Good luck to you, wherever you are in your personal development and goal achievement.