With all the headlines of bank failures and credit freezes, some would-be entrepreneurs may decide this is no time to launch a new business. But experts say starting a business doesn't have to be as capital-intensive as it might seem. Interns, alliances, barter, outsourcing -- all can be used to keep startup expenses low. "New entrepreneurs are often overwhelmed with the long list of to-dos and purchases they think they have to make," says Lucinda Cross, an outsourcing specialist in New York. But take heart, she says: "Some of those things you could get much less expensively than you think."

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