就業難,讓家長出錢幫你創業怎麼樣?

Many parents see business ownership as a better bet for their kids' future than a graduate degree.

在很多父母眼裏，對於孩子的未來而言，擁有一家企業是比一紙畢業文憑更好的選擇。

And in this era of renewed interest in entrepreneurship, some parents described it as the opportunity to control their destiny and have a chance at gaining wealth.

在現今這個對創業重燃興趣的時代，一些家長稱創業是一個把握自己命運、致富的機會。

Parents often say they would do anything for their child. Setting a child up in business is surely one big test of that bond.

他們願意爲自己的孩子做任何事。讓孩子經商無疑是對這種承諾的一大考驗。

A lot is at stake: Small-business failures are common, and parents risk losing their entire investment, their life savings, or more. They also risk straining their relationships with young-adult children intent at this stage on independence.

風險有很多：小生意失敗很常見，父母們可能會失去全部的投資、一輩子的積蓄，甚至更多。他們還可能會與現階段打算獨立的剛成年的孩子變得關係緊張。

The setups can be stressful for young adults, too. Jon Kelecy's father, a Tampa, Fla., financial executive, set him up recently in a franchise for Fibrenew, a leather- and plastic- restoration business. Jon, 26, of Gainesville, Fla., loves the work and appreciates his dad's support. But he dislikes "being in his pocket," he says, amid all the anxiety of a start-up.

企業的組織籌劃對年輕人來說也可能很有壓力。喬恩·凱勒西的父親是一名金融高管，他最近幫兒子開了一家Fibrenew皮革塑料修復特許加盟店。現年26歲的喬恩熱愛這份工作，並感激父親對他的支持。不過他說他不喜歡呆在父親的羽翼下，儘管初創企業有那麼多讓人焦慮的事。

Many parents choose franchises for their kids because they seem to offer marketing, branding and management support.

很多家長爲孩子選擇特許加盟店，因爲加盟店看來會提供市場推廣、品牌打造和管理方面的支持。

Start-up costs, including leases for space and equipment, range from roughly $5,000 to $10,000 for such low-cost operations as cleaning franchises, to $1 million or more for popular fast-food restaurants. Information on risks and legal pitfalls for franchisees can be found at , an online trade journal.

至於啓動成本（包括門臉和設備的租金），家政保潔等低成本特許加盟店從約5,000美元到一萬美元不等，而頗受歡迎的快餐店則要100萬美元甚至更高。有關加盟商風險和法律隱患的信息可以在在線行業雜誌上找到。

Howard Bundy, a Kirkland, Wash., lawyer who represents franchisees and franchisors, says parents considering such a venture need an attorney experienced in representing franchisees, and both an accountant and an experienced business mentor familiar with both franchising and the target industry.

華盛頓州律師霍華德·邦迪代表加盟商和特許商。他說，考慮特許加盟店的家長需要一位在代表加盟商方面經驗豐富的律師，以及對特許加盟業務和目標行業都非常熟悉的會計師和經驗老道的商業導師。

Mr. Bundy also warns that parents run a high risk of losing their investment. One mother lost $250,000 when a fast-food franchise she purchased for her son failed, Mr. Bundy says. In another case, parents lost $350,000 on a coffee-shop business they financed for their daughter.

邦迪還告誡說，家長有很大的風險失去自己的投資。邦迪說，有位母親給兒子買了一家快餐特許加盟店，小店破產後，損失了25萬美元。還有一個例子，一對家長爲女兒買了一家咖啡店，結果損失了35萬美元。

For some parents, the potential rewards seem worth the risk. "As a parent, the best gift you can ever receive is to see your children happy and successful," and equipped to make a living, Marvin Himel says.

對一些家長來說，潛在的回報看起來值得冒這些風險。馬文·希墨爾說，作爲一名家長，你能收到的最好禮物就是看着自己的孩子快樂成功，有謀生的能力。

A few viewed it as a gift. Some structured it as a loan and deferred repayment. Others took stock in the business, with an agreement that their child would use future earnings to buy it back.

一些人把投資看作是一份禮物。一些人把它作爲一筆貸款和延期還款。還有人在企業中入股，同時簽訂協議規定他們的孩子會用未來的收益回購股份。

Some parents look farther ahead, hoping their child's business will support them in retirement. After supporting his own father in old age with proceeds from his Canton, Ohio, restaurant, Walther's Cafe, Mr. Walther says he hopes his daughter will do the same for him.

有些家長則更進一步，希望孩子的生意能讓自己退休後有所依靠。沃瑟用從自己的飯館Walther's Cafe獲得的收入幫助父親安度了晚年。他說，他希望女兒也能這樣對他。