PITTSBURGH -- If you're thinking about starting up your own business, this edition of 'netWORTH may help. I talk with an expert on start-ups and he has great advice. You can watch my conversation by clicking on the video to the right. Tom Link is the Business Development Manager with the Urban Redevelopment Authority. He knows how to help your business get off on the right foot. First up is creating a business plan. Tom says that's critical. He says it will protect you and help you attract investors and lenders. The local universities are a great resource for drawing up a business plan offering both consultations and classes. Next step is knowing where to turn for money. Tom has some tips. He says the biggest mistake people make is not understand their operating costs. Having enough funding to operate for a year is what you should expect... And you should expect to lose money in that first year. Tom says start up businesses are vital to our region and if you're thinking of stepping out on your own take a few minutes to watch my conversation.