Blondyi

I live in Toledo, Ohio and am 56 and hold a bachelors degree in liberal arts (I graduated 5 years ago) which I hate to say is worthless. I had a couple of horrible jobs and then opened two businesses that I had for 3 years and had to close them and now am out of work again. I don't want to work for anyone again and would like to start a business driving the elderly to appoints doing their shopping, cooking etc. Everyone thinks this is a great idea but one, I don't know how to find people as clients...I don't know if I should get an STNA (I can take the classes for half price here thru our board of ed since I am over 55) get bonded, get extra insurance etc. unless I have some idea how to get clients. Also I wanted to know if there are agencies who hire independant contractors because just being an STNA looks like it only pays $6.50 and hour and I am not going to work for that. I also wanted to know example: if I take someone to an appointment and they fall and hurt themselves who is responsible? Is there a waiver I can have them sign to wave responisbility? I know I would have to have extra insurance for a car accident like a realtor would but not sure about the other thing. I just got remarried so I have insurance so I am in a good position there to be working independantly. I just have so many questions and any help would be appreciated. I have a friend whose sis did this in another city and was an independant contractor and made $20 and hour doing this but I havent been able to talk to her yet. Of course the economy in my whole state sucks so badly she would prob only may $1.00 here lol..

I don't know if this is the right place to post this but here it goes anyway. I am 56 years old just remarried. I had my own businesses before this year for 3 years right after I graduated from college with a degree in Liberal Arts Ihad to close them and go to work for a really yukky company that I hated. I am not with them anymore and really do not want to work for anyone. I would like to start ( I dont need health insurance so I can do this) a transportation service for the eldery but am at a loss as to where to begin. I can get my STNA and all of the other things that go along with it CPR, bonding, insurance etc. but I want to make sure it is worth it first. I wanted to know if anyone has ever done this or if you have done this for a company like a temp or independent contrator and how much do they pay. This is kind of disjointed because I am really not sure to go about it and any help would be greatly appreciated. I can also get my STNA in Toledo thru the board of ed for half price because I am over 55.