How many times have you or your pal said to each other, “It’s a great business idea, but I just don’t have the extra money to make it happen right now. I just can’t take the risk.” Now you can, using OPM (Other People’s Money), readily availably via the website Kickstarter.

A site that connects creatives–musicians, authors, designers–with donors willing to provide financial support. You get to pitch your idea on the site, offering some kind of payback for those who contribute to your idea, not necessarily money. Kickstarter gets five-percent of monies raised, and you get the rest. The key is that a deadline is set for you to raise the dough, so if others don’t see your idea as viable, it’s back to square one.

Since launching about a year ago, over 650 ideas have received funding. Not bad…