By Gwen Moran
Gwen Moran writes about business, money and assorted other topics for leading publications and web sites. She was named a Small Business Influencer Awards Top 100 Champion in 2012 and is the co-author of The Complete Idiot's Guide to Business Plans(Alpha, 2010). She is currently creating Biziversity.com, an information resource for micro-businesses, from her office near the Jersey shore--the beautiful place, not the horrible television show. Find her on Twitter @gwenmoran.