Okay the first idea sounds cool. Working out of your apartment shouldn't be a problem unless you have a stream of clients coming in and out at all times of the day and night. Then there would be a disturbance issue but otherwise most landlords do not care. As far as the family memberships are concerned that is more of a Internet Cafe idea that might not work with your clients that are trying to conduct business online. I would say stick to the desktop publishing idea. Also if you do decide that you want to get an office space make sure that you have the clientele to support the overhead that you are going to have. A lot of places charge low rent for start up companies you just have to do your homework and look around for them. Also check to see if they have business incubators in your town. This is usually an entrepreneur center that offers small offices to new people that are going into business. Good luck with your new venture.