thanks so much for the quick replies. I'm new to the forums here but can tell already that i'm gonna enjoy myself, learn lots of things and make some friends.
To answer your question alex... I haven't talked to my friend much about the "loan." I simply have an email in my inbox saying something like "i think you've got some great ideas and if anyone can succeed in something like that it's you!...So how much do you need to get started my friend." I don't believe he's looking at this as a lucrative investment that he's gonna benifit from very much. But I know I will pay him back...even if he didn't want me to...I wouldn't want to accept a gift like that. (unless of course it was a wedding gift

)
I'd like to do portraits and weddings (more research would be needed in both areas) and sports photography. I love the idea of trying to market some more artistic stuff to local cafes and things like that. And luckily I've lived in this relatively smaller city for long enough to feel like i have PLENTY of contacts.
So here's a question... what kind of time do you think a beginner like me would need to put into photography in order to make a "decent" buck? ("Decent" means "enough to be considered more than just a hobbyist.") Considering the taking, photoshopping, printing, selling, selling, and selling of my pictures???
And also a portfolio...how might someone like me go about composing a portfolio???
PS-are people like me who write novels of questions annoying??

Sorry.