Norm do you think its to early to start some seeds(plum,olive,pear) Question or is it to early and u think i should wait.
Some seeds require special treatment in order to germinate. This often entails a period of cold storage that mimics their natural circumstance of falling to the ground in the fall and resting all winter. So you have to know the requirements of the species in question. Without looking it up I suspect that both Plum and Pear would benefit from/require a cold storage period and germinate in the spring.
Putting the mechanics of germination aside for a moment there are other considerations. Growing from seed is a rather tedious endeavor that will entail more than a few years with very little to do other than allowing them to grow. It certainly can be done and I won't try to talk you out of it but please don't put all your eggs in one basket.
I suggest approaching this from more than one direction, with young material being just one. For instance, you can learn a lot by working on nursery material. Several of our members have purchased Boxwood at the home centers. You can always find Junipers and I guarantee that you will get a better/healthier tree for your money than if you bought one of their potted Juniper bonsai. Now is a good time of year to pick up material that they don't want to keep around for the winter. The real trick is discerning material with potential from that without.
You can also spend a few dollars and get a tree that already has a few years of training done. Not all inexpensive bonsai are the mallsai we so often see. Of course you won't get a gem for $30.00 but you can get something that resembles a bonsai rather than a simple seedling.
I am always on the lookout for old landscape material that can be worked. This year I picked up a Yew and a Juniper that a landscape company ripped out. Unfortunately they damaged the bark on both pieces in the process but hopefully I can work with them.