When the economy fell five years ago, some started their own business out of desperation over not finding a business to hire them, but times have changed.

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In fact, most new startups these days are happening because people perceive a need for their startup, as opposed to the desperation over not getting hired by someone else. In fact, almost four out of five startups last year were borne of, "opportunity optimism."

New Jersey Business and Industry Association President Phil Kirschner offers this advice for startups. "You have to have a need, number one. And number two, as hard as it is, get as much money as you can."

Research found that nearly 78 percent of entrepreneurs last year started ventures to pursue opportunities. That is up from 71 percent of total entrepreneurship in 2010. Before the financial collapse unraveled, about 87.3 percent were opportunity entrepreneurs in 2008.

Kirschner says many new businesses underestimate the amount of startup capital they will need. Before the economy fell, more than 87 percent of startups were so-called, "opportunity entrepreneurs."