I just completed the Universal Bookkeeping course. I have 20 years of corporate accounting experience and like you I was a bit uneasy getting started with samll businesses. Prior to taking the course I had 4 clients. After one month I still have the original 4 plus I added a part time bookkeeping position for a small manufacturer, several clients for QuickBooks training and support, and one gentleman who wants me to get his tax infomation organized each year before he takes it to the CPA. My business is booming and I believe the skills and confidence I gained from the course contributed to my success. It is a comprehensive course and gives you all the information you need from the accounting to the marketing. It was worth the money for me. If you are not satisfied, Universal will refund your money. Good Luck.