I am planning to start a bakery in Charleston, Folly Beach, and I need some help. I have some information such as my Competition, my prices and such… and about good food, well I am going to college at the Culinary Institute of Charleston for Pastry's and Southern foods and minoring in business at Trident. But i need help… what are the tabs of starting a business such as the simple stuff like coming up with a name to loans. OR non-profit, please any answers help to my knowledge.

Based on your question alone, if you are planning to start soon, you will fail. By all means, you are not ready. Take this as constructive criticism.
However you are taking the steps. Some people are born business savy, others take schooling and intensive research to get where they want to go.
Before I ventured out on my own, I THOUGHT I was ready but I really wasn't. You can have all the money in the world to start up but in order for that business to survive it takes A LOT of work on your part. Be ready to work 10-16 hours a day 7 days a week. Your business may close at closing time but when you get home there is still work to do such as tallying up receipts, payroll, all that good stuff.
You are going to school to learn to make your product, but a course in business management, accounting, etc will help you tremendously.
I started my business in 2004 and did not see a profit until the fall of 2006. Consider having cash reserves during the 'break in' period and when times are tough as they are now.
Hats off to you for making the decision to venture out on your own! You can do it. But do it wisely.

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Consolidation. The key to managing your money is learning how to budget you. Budgeting begins with drawing up a document which gives a clear and accurate picture of all household and personal income and expenditure. By listing all our income and outgoings you can more easily assess how and where you can make cut backs. Perhaps, for example, you are spending too much on utility bills and need to research other suppliers.

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If you are cutting back due to debt, goal setting can be just as rewarding as you see the debt reduce.  It can also be empowering as getting into debt can make us feel helpless and worried. You can get into debt when you bury our head in the sand and take on more financial commitment than you can afford. Good, honest budgeting gives us back some control and is a good habit for everyone to adopt.

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If you have a partner or family it is important to get them on board as cutting back on your expenses is far more successful when you have the cooperation of others.

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The current financial crisis has in some ways caught many persons by surprise and many persons are being greatly affected by its repercussions. The economy is suffering and with persons losing their jobs and business because of the crisis one area will and has certainly gotten a lot of attention is loans.

It is prudent to remember that loans are really a temporary monetary provision that has to be repaid with interest either in full or through monthly installments. When you used the lenders loan calculator maybe the financial crisis was not in full swing but is you where to apply for a loan now chances are the loan calculator would give you a different reading and possibly on that says the same loan will cost more. What is likely to be the effect of the financial crisis on your loan?

Increased interest rates

Currently many lending institutions have increases the interest rates they charge on loan. One report has suggested that a 30 year fixed rate is now standing at just over 6% due to the financial crisis. This in effect will make your monthly mortgage payments go up. Thus most borrowers’ debt to income ratio will rise and that will make most of them unsuitable for a loan which means their application would be rejected by lending institutions.

Stricter loan guidelines.

The financial crisis has brought to light the fact that some people should never have gotten loans in the first place and the bending of the rules to accommodate borrowers has in part led the world to where it is now. Because of this lending institutions have had to revise their rules concerning secured personal loans. Also loan applicants now have to meet the strict guidelines set out by the lender in order to qualify for a loan. This has led to many people no longer qualifying for a loan.

Availability of loan funds

Another problem the financial crisis presents for loans is the availability of funds to lend. Due to the overwhelming amounts of defaults that has occurred over the last two years lenders are not receiving any new money and therefore do not have new funds to lend. Oftentimes the defaulting on loans results in the borrowers assets being sold by the lender at well below premium in an effort to earn some money from the loan.

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