BEING your own boss. Hanging out your shingle. Striking out on your own. In a society that reveres rugged individualism, self-employment has always had a certain allure.

In fact, each month from 2002 through 2007, just under 300 of every 100,000 adults in the United States started a business, according to the Kauffman Index of Entrepreneurial Activity.

When the economy is strong, people may try self-employment because the opportunities seem plentiful and financing is easy to get. And in harder times like these, it can seem a tempting option for people who have just been laid off — or are watching as colleagues all around them lose their jobs.

But mystique aside, is self-employment always an attractive option?
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