Business plans keeping you up at night?
A buddy suggested I use my sleepless nights to start an online business.  He rationalized that if I used all of my insomniac hours to turn a profit, I could probably quit my job and start sleeping during the day!  I'm afraid there's something to his logic, and I decided to start investigating online business opportunities.  

One recommendation I've received and intend to follow is to use a merchant service specialist to process credit cards for my fantasy business.  I need a reliable payment processing company and one with excellent customer service since most of my transactions will be occuring at night.    Now I just need to learn more about web design and marketing so that I can really get started!