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Brian Terry
"Hey" "Guru Name Here"
You suddenly lose all your money, along with your name and reputation, and only have your marketing know-how left.
You have bills piled high and people harassing you for money over the phone.
Plus, you have a guaranteed roof over your head, a phone line, and an internet connection for only one month.
You no longer have your big guru name or JV partners. Other than your vast marketing experience, you're an unknown newbie.
What would you do, from day 1 to day 30, to save yourself?
Joe Kumar
Answer – By Brian Terry
Day 1: This is it, no software, no contacts, no nothing, I'm starting from scratch armed only with my design experience a PC and an Internet Connection.
So where shall I start? I haven't got a single penny to work with so it'll be a challenge that's for sure!
As I know design already (like the back of my hand) I'm going to set up an online graphic design service just like I did with EbookWow.com.
The best way to go about this for me is to simply write a list of all the things I'm going to need to get off the ground then work out a way of getting this all set up for no cost on my part.
Unlike a marketer who can do there "thing" armed very little software which by and large can be picked up for free, I need one powerful program that can cost an arm and a leg.
This one application is what's going to make it really happen for me online, so what am I referring to here? in one word "Photoshop".
Before I get into how I can get this program for free for 30 days I need to start thinking about what I need to be doing here over this 30 day period.
Here we go...
The applications I will need are:
1.. Photoshop (To create the graphics)
2.. Dreamweaver (To create web pages)
3.. eCoverStudio (To create a wide variety of virtual covers)
The services I need are:
1.. Web hosting (To host my sales site)
2.. Sequential autoreponders (To generate leads and build relationships)
3.. Free Hotmail account (To enable me to communicate, until I have a domain name)
Is there anything else I'll need?
1.. Domain name (This will help me to position myself within the market place)
2.. PayPal account (This will help me to take payment online)
3.. Visitor tracking software (This will help me to know how many people are seeing my site)
4.. Royalty free images (This will help me to create the designs)
The most important thing I'm going to need to get me started has got to be an email account, this makes everything I'm about to do possible. I like Hotmail accounts because they have a good spam filter on them. As it's a free account I'll have to check it regularly so it doesn't fill up because the email space is limited. This is just a temporary measure until I have the funds to buy a domain name along with some web hosting.
http://www.passport.net/
What's going to take the longest to time (around 3-6 days) is to set up is a PayPal business account to use for accepting payment online. I think it's best to get the ball rolling on this first of all.
https://www.paypal.com/
Once I'd set this up I need to look at getting Photoshop installed on my PC.
Now I know that at Adobe they offer a 30 day free trial on a full working copy of Photoshop which is going to be perfect for what I need.
This is the link that'll take you to the page you need...
http://www.adobe.com/products/tryadobe/main.jhtml#product=39
So now I've got a PayPal account being set up and a full working copy of Photoshop to use, the next most important thing to do is to start looking for some paying customers just to get enough money in to pay for a few of the other things I need like a domain name and hosting. I think one small project for someone should easily be able to cover this cost.
Once I've got a website and a domain name I can create a direct response web page with a few samples of work on it. With this I'll be able to start looking for a couple of joint venture deals to really get things moving along to a good start.
The main stumbling block I can see right now is being able to build up a portfolio of samples people to persuade people of my design skills.
I've got a great idea here that I might be able to use to kill 2 birds with one stone...
This simple idea will enable me to build a small portfolio of work and possibly make a little money in the process.
With these things in mind I'm going to do a search online for some direct response style sites that have some pretty "shabby" looking headers and 3D covers. Then once I've found about 15 of them I'll contact the owners and ask if I could re-design their headers for them with no commitment on them to even use what or pay for whatever I create.
In all that I've done so far I'm just a couple of hours into my first day so what I'll do is just spend the rest of the day surfing the net looking for some direct response style sites that need an overhaul.
Day 2: Yesterday I got off to a good start and actually found 30 sites all in dire need of some more effective direct response graphics. The potential for this service I know is huge so I'm confident that once I get going I'm going to be very busy!
Armed with the url's and the owners email addresses I'm now putting together a brief email just to ask the site owner if I could re-design their web sites graphics for them for no cost or commitment from them to use whatever I create.
Here's how the letter is looking so far:
-------------------------------------------------------------------
Dear [site owner's first name],
How are you doing?
I visited your site yesterday at www.[websiteaddress.com] and looked carefully at the graphics you were using. I really like the ideas you had used in your design but I was wondering if perhaps I could offer you a slightly different approach to the way in which the design looks which might be more effective for you?
The main reason for me sending you this message is to ask if you wouldn't mind if I could redesign your header panel and 3D cover for you for with no commitment on your part to pay or even use whatever I create for you.
Does this interest you?
The only thing I would ask in return would be that I can use whatever I create in my own portfolio of design work which would be placed prominently on my own website. If you think what I've created is good enough and you'd like to try out whatever I create on your site I would be happy to offer you this design at a heavily discounted price.
Are you still interested?
If you are then please let me know, then as soon as the design is finished I'll let you take a look to see what you think. Remember it'll cost you nothing and who knows... the design I create could potentially increase your sales, if you decide to use it.
I look forward to hearing from you soon.
At your service,
Brian Terry
brianterryonline@hotmail.com
-------------------------------------------------------------------
Once I've sent these out I only need about 6 replies to give me a good start to my online portfolio of work. I'll give it 3 days for the replies to come in to give everyone a chance to read my message.
So this gives me 3 days to kill, what's next?
In one word marketing "forums".
What I'll do is take what I've written above adapt it a bit and go to one of the busiest forums that I know of and post it there to see what happens.
http://www.ablake.net/forum/
I know this place is full of budding entrepreneurs who'd be open to a good deal like this ;-)
I'll need to be very careful in how I word the message so it doesn't look like an ad or anything similar to this. If I see anyone with any graphics questions I'll also answer these and weave my offer into whatever my reply will be.
I've still got the best part of the day left so I'll spend my time at this forum and any others I can find just helping people out with their graphics questions.
The strategy I'm going to adopt over the next 30 days is to spend 20-30 minutes a day in a forum answering other people's questions. This way I'm making my service as visible as possible within the shortest amount of time.
So that's it for day 2.
Day 3: I'm still waiting to hear back from PayPal on an account so I'll have to hang in there a bit longer.
I've had 4 replies to the email I sent out yesterday with my design offer and it's looking promising.
Yesterday I posted my message on the main forum I use and also had a few replies of people taking me up on my offer.
The best thing for me to do now is to take a look at some of those sites who've given me permission to re-design their graphics. I've got Photoshop all loaded up and ready to roll so all I need are some decent royalty free images.
Now here in lies the problem... the site I need to go to and get my images from requires payment up front to release their full library without a huge watermark stamped right the way through it.
The best site to use for Royalty free image is called Photos.com and their website offers 50,000 photo's and photo objects: http://Photos.com
As soon as I'm ready I'll subscribe for 1 month for $99.95 which will give me full access to all 50,000 of their royalty free images. It's a superb deal if you ask me!
So what's the solution until then?
Typography! yes, just use type and anything else I can create myself within Photoshop using it's special filters.
Of course photographs do help but they're not always necessary and the final design can look just as good.
Today I'll come up with a domain name for my service then register it as soon as I have the funds to do so.
To register the domain name I'll use GoDaddy.com, they provide a superb service and a $8.95 price tag is pretty good.
There's not much of the day left so what I'll do is get into doing some of the free re-design projects I've had the go-ahead on.
Day 4: Great news I've just heard back from PayPal and my business account is now live at last! This is going to make working online so much easier!
I'm spending today creating more designs for the people who've contacted me from the forum and from the emails I sent out.
Today I also found an interesting web site that'll help me to locate the posts about specific topics.
So now all I do is type in "web graphics" and a whole load of different posts come up from several marketing forums all mentioning "web graphics", this is just what I need:
http://www.forum-tracker.com
I'm going to try and keep up this 30 minutes a day helping people for as long as I'm able to.
Day 5: Well so far things are going well and as planned. I've already created 4 designs and I've got 6 more to work on.
What I'll do today is send over the designs I've created so far to the people who's sites they were inspired by. When I do this I'll place a watermark through the design just to protect myself from being taken advantage of.
It's going to be interesting to hear what these people think about what I've done for them. I think they're positive improvements and should help them to convert more visitors into sales if they decide to use them.
My main priority right now is to get some money in to pay for a domain name and some basic web hosting. This will then enable me to set up a direct response sales letter showing samples of my work and start setting up joint ventures.
As soon as I've sent those 4 designs off I'll crank a few more out, the more samples I can create the better. Also the more I do the more chances there are that I'll get some money in from anyone wishing to use what I've created.
Day 6: Out of the 4 designs I sent out I got 4 replies back, that's great! and you know what?... one of the people I did the work for loved it so much they're prepared to pay me to use it! This is the best news I've had all week!
What I'd done for them was a header, a matching 3D box and a 3D order button.
Before I sent them over the design I agreed a price of $67 to be paid via my PayPal account, great!
As soon as the money comes in I'll zip up all their graphics and send over the web optimised JPGS they'll need.
Again, just like yesterday I'll spend the rest of the day completing some more projects for people then send off a few more for approval.
Day 7: The $67 came through and the graphics went off, then to my surprise a testimonial came back! perfect, I'll use this at the front of my sales letter, testimonials are such a powerful way of convincing people to use my service.
Even now I'm still getting people sending me emails giving me the go ahead to create their graphics for them. I've just totalled up all the re-design jobs I have and there are 27 so far! this is good news as I've got a bit more leverage to help me get paid work.
What I'll do is start asking for a testimonial from people who I've done the design work for. These testimonials are going to make my final sales letter pull even more sales once I'm properly launched!
I think the best thing to do today is just spend a bit more time cranking out more of these designs. Tomorrow I'm taking the day off, this creative work can really wipe you out if you don't keep your mind fresh.
I think I should have taken today off as well but I know I've just gotta get this done, determination to succeed is vital.
Day 8: Today is spent just re-charging my batteries doing something completely different and getting some fresh air at the same time if possible. I'll keep an eye on my email account just to make sure I don't miss anything.
Day 9: So far I've sent out 10 designs for people to approve, today I had 5 people all wanting to use the designs I created for them. Again I've agreed the figure of $67 with them so they can use them on their sites.
So in 9 days that's $402 in my paypal account, so far so good. Now it's time to turn up the volume a bit more on all that I'm doing here.
After asking about web hosting at the forums I've been visiting, the best deal I've found is with Host4Profit, who are easily one of the most highly respected and reliable web hosts I've heard about.
Here's their site: http://www.host4profit.com/
The way I look at hosting is you get what you pay for and your website is the "hub" of your business so why cut corners on cheap low-cost hosting.
So now I'm going to set up a hosting account with Host4Profit, then as soon as this is complete I'm going to set up an autoresponder account.
In the past I've used the free autoresponders from GetResponse.com successfully, so I'll try them again.
http://www.getresponse.com/
What I'll be able to do with GetResponse is set up a lead generation system whereby I offer a series of email messages giving people design tips and techniques to help their websites sell more effectively. If I do 7 messages I know my chances of making a sale will be dramatically increased, plus it gives me the perfect opportunity to make money as an affiliate recommending other people's products.
The thing to remember is that as soon as I have enough money to upgrade to the GetResponse "Pro" account I'll be able to to manage a larger list and send out individual messages to my entire list whenever I have a product to recommend.
Today I've got a lot of writing to do so I'd better get started!
Day 10: I've had a couple more people get back to me saying they'd like to buy what I've created for them. Great!... I'll get this done and sent over to them ASAP. (I'll also ask for a testimonial, the more of these I can get the better!)
Today I'm still working on my sales letter making sure I've got the structure and the approach right. I've decided to avoid as much hyped up sales speak as I can and instead write my sales letter as a report offering valuable advice with my offer woven into the solutions I suggest.
The problem with a lot of sales letters online today is that people are starting to tune out sales messages so they're no longer as effective as they used to be. A more effective approach to take is by writing a sales letter that's like a report or an article simply because it lowers people's barriers to being openly sold to. When the barriers are down that's when you give them the ultimate solution.... your service or product.
Today I discovered an excellent free ebook all about "Frame-of-Mind Marketing" by Maria Veloso which has helped me to get inside the minds of my customers more easily and master the idea of "non-sales pitch" style marketing. I visited Maria's site then scrolled to the bottom for the link to get the free ebook:
http://www.webcopywritinguniversity.com/
I'm going to spend today writing my web copy.
I almost forgot... I need a domain name, so I'll be working on developing this too.
Day 11: That's perfect! the sales letter's done (with plenty of testimonials), the hosting is set up and I've registered my final domain name with http://www.godaddy.com
Getting your domain name right is paramount, it helps to get you not only a good position in the search engines but also establishes your name as a brand.
As I'm dealing with direct response graphics I've created a perfect name that communicates what I do in a memorable way. Once I've registered it it's going to take about 72 hours to connect with my website so I've got about 3 days on my hands to finish off writing my sales letter and all 7 of those autoresponder messages.
Day 12: Today is spent writing, writing and writing some more. I've got to get these 7 messages just right. As I write them I'm thinking about what related products I can recommend that'll help me to make a residual monthly income. Hosting is a perfect one to work in to my e-course. Everyone needs hosting and it's paid for each month, so the thing to do is find an affiliate program offered by a hosting company that'll pay me a commission each month.
At this stage it's important to keep in mind that what I'm doing within my design service is selling my time, time I'll never see again! So this is why it's so important to promote other related products that'll give me a monthly residual income.
Day 13: Again I'm spending today writing and tidying everything up so it reads as well as it can.
Later on today I'll check to see if my domain name is working ad pointing to my web space, sometimes it starts working in around 24 hours. If the domain name is working I'll also start to use my new email account which contains my new domain name, this should create a much more professional impression in the different forums I visit.
Day 14: We've been into this for 2 weeks now so here's quick recap over all I've achieved so far.
1.. I've got 10 designs in my portfolio to show on my sales site
2.. I've got 8 superb testimonials which I've already included in my sales letter
3.. 8 people have paid for the designs I've created which gives me a balance in my PayPal account of $536 less the $20 for hosting and $8.95 for the domain name giving me a new total of $507.05.
4.. I've got a full working copy of PhotoShop on my PC with 16 more days left until it runs out and stops working until I register it.
5.. All 7 autoresponder messages have been written with residual income streams built into each one.
6.. I've also opened up an account with GetResponse and loaded up all my 7 messages
Today my domain name is working my hosting is ready, all I need to do is design the graphics for my own site and set the whole thing up so I can start taking orders.
So today and tomorrow will be spent getting myself live and online. Once this is done it's time to get some joint ventures under my belt which will make life a lot easier and more profitable.
Day 15: Sometimes designing for yourself is one of the hardest things to do, don't ask me why, I think it's because you become "super" critical because it's work that reflects you and your ability.
Today I'll totally immerse myself in design by looking around the web for inspiration and ideas before getting into creating the design itself.
Day 16: Today I'm taking a well deserved day off to relax and spend some time with my wife who's beginning to go crazy with me being glued to this computer screen setting everything up. I think we'll go for a boat trip down the river Thames, just down the road from Windsor castle, it's a sunny day so it should be a good day out.
Day 17: Whilst I spent day 15 creating my own graphics, today I need to get my hands on a copy of the best and most powerful HTML editor around to put the designs together.
I've been using Dreamweaver for the past 2 years so I'll get myself a 30 free trial copy which is full functioning. This will enable me to get my site built in a very short space of time and for zero cost, great!
This is the site I visited to get my free trial copy of Dreamweaver:
http://www.macromedia.com/cfusion/tdrc/index.cfm?product=dreamweaver
Day 18: Now that my site it up, the sales letter is in place and built into the page is a subscription box to start building my list of potential customers. Now it's time to start searching for some joint venture partners.
By doing this I won't need to spend a single penny on advertising, and I'll also be able to build my list to recommend related products with residual income streams.
So where do I start?
Ezine publishers is the best people to go to for virtually immediate results once the JV's are in place and operating.
So I need to find out what ezines my target audience are subscribing to then contact the publishers with an offer they can't refuse ;-)
The best place to start here is again going to be the Anthony Blake forum but I'll also try a few others like:
http://www.gethighforums.com
and
http://www.network54.com/Hide/Forum/184615
This is a really simple thing to do, just ask people what the best ezines are and where I can subscribe to them.
Armed with this information I'll be able to contact the list owners and see if they'll be interested in what I have to offer.
I'll take it a bit easy today and just focus on getting this information together.
Day 19: That's great I've got a list of 10 of the best ezines that Internet Marketers subscribe to, today I'll craft an offer and send it to them and see what they say.
I think the best way of setting this up is to offer all my potential Joint Venture partners the following:
1.. I'll design the graphics for their next (or existing) 2 direct response website for free (otherwise worth $334).
2.. I'll give their subscribers a 40% discount on any orders placed by them within the next 7 days, after this the price goes up to the normal rate.
3.. I'll give each JV partner a personalised direct response page that tells their subscribers this offer is made to them only because they're a valued subscriber.
In return for giving each JV partner this I'll ask for a recommendation from them to sent out to their entire list as a solo mailing. As it's a recommendation I'm looking for I'll have to actually create something for them first, this shouldn't be too much of a problem.
Today I'll get my letter written offering all the things in my list above then send it out.
By the way... I've decided to charge $167 for my service once the Joint Venture offers have ended. For this people are getting a header panel, matching 3D cover for their digital product, a 3D order button and a basic web page template.
If I can get 2 orders every working day I'll be happy as this will give me a maximum monthly income of $6,680. I've limited myself to 2 a day because designing this much work can be very mentally tiring. If I do any more than this the quality of the work could potentially suffer.
With the residual income streams I'm setting up within my 7 part e-course this should top up my earnings quite considerably.
Day 20: An important part of running an online design service like this is automation, this important because it frees up time. When you're running a service based on you selling your time I know I need to make the most of it.
The solution to this is to use CGI scripts to automate things, there is one script I have in mind after a bit of research. What this automated script will do for me is to take customers projects details online as soon as they've paid. Then once they've completed their project briefing form everyone gets a copy of it.
This way my customers will know I've got all their details and their project is booked in.
I almost forgot to mention... I'm integrating this special form with another GetResponse autoresponder which asks customers for a testimonial 23 days after the order has been placed. I can then add these extra testimonials to my sales letter making it even more powerful!
This is one of the best CGI script sites I found:
http://www.willmaster.com/
The script I need is called "Master Form v3" and has the ability to process multi-page online forms, this is just what I need.
I'll buy a copy of this script today, it'll cost $49 but if you ask me it's money well spent.
http://willmaster.com/master/formV3/
I'm still waiting to hear back from the possible joint venture partners I contacted on day 19. What I'll do is use this time to set up my order forms and automate this part of my site.
Today I'm also going to buy a copy of an excellent virtual cover building program called
"eCoverStudio" which I can get from here:
http://ecoverstudio.com/
This is going to make creating 3D covers a real walk in the park as all the 3D work is done for me, so combine this with Photoshop and you've got some really powerful tools at your disposal.
Day 21: I've had some great news today! I've just this minute had an positive email from a list owner with a responsive list of 10,678 people.
To be honest with you I think I'll only need this partner to get me started, for all the others that reply I'll see if I can hold them off until after this JV deal has gone through. At the end of the day I don't want to be working all the hours God sends, which could happen with too much exposure this early on.
Today I'll finished off setting up the form processing script and complete the design of the forms themselves. I can see this is easily going to take all day to do.
Before I do anything I'll reply back to my first Joint Venture partner to let them know we can move things forward just as soon as they have a design they would like me to do for them.
Day 22: A day's rest is needed so all I'll be doing today is just checking emails and visiting a few forums to see who I can help.
Day 23: The briefing form for my site is ready so I'll hook it all up into the purchase process.
There is one thing I simply must do and that is tighten up the security behind my PayPal order link. At the moment if anyone visits my site and checks the source code they'll be able to see the thankyou page I've set up with all my bonuses!
I've found it! this has got to be the perfect solution to protecting my PayPal link and to protecting my downloadable bonuses.
Here's the product I'm about to buy for $97...
http://www.onlineprotectionsuite.com/
The JV partner has got back to me with what they'd like me to do for them. Their personalised sales page is ready, the project briefing forms are ready. All I need to do is complete the protection using the product I've just purchased.
Day 24: Yesterday I sent off the link to the briefing form to my JV partner and I've got the details on their design project, I'll start it straight away.
Before I get started I need to visit www.Photos.com to gain 1 months access to all their royalty free images. This will give me far greater scope in any design I create as part of my JV venture, it's important that I make the best impression possible.
Day 25: That's it! I'm all set up now, my PayPal order link is protected and I've completed the first design project for my JV partner and he's really pleased with what I've done. In fact he's promised to send out the solo message today to his entire list recommending that they use me to design their graphics! wow! I couldn't be happier because now I'm going to be busy and into profit almost immediately.
So far everything is in place:
1.. Sales letter and website (in the style of an article about web design)
2.. Autoresponder containing a 7 part e-course about creating graphics online. Also here I get the chance to recommend other related products that will give me a residual income as an affiliate.
3.. Customer briefing forms to collect all the details of each project automatically
4.. Security features to protect my "thankyou" page that contains all the bonuses I'm offering.
I'm ready to take orders from people responding to my JV partners recommendation.
Sure enough all 10,678 people were contacted as part of the recommendation announcement.
Today I had 3,450 people visit my new site, 657 people were added to my 7 part autoresponder e-course and 15 orders came in! Remember each order was for $100, so that's $1,500 taken in orders today. Boy am I going to be busy over the next 2 weeks or so!
Day 26: More orders continue to arrive each day, I've checked the number of subscribers I have in my list and it's gone from zero to 723 in just a couple of days! wow! Today I checked the clickthroughs on my affiliate links and everything is working out well. All I can do today is get cracking on completing all the orders I've got, so there's not much to do now.
As soon as these orders are complete I'll contact some of the other people who contacted me wishing to take me up on my joint venture proposal.
Day 27: Today is spent working on completing some more of the orders I have, I need to get 2 or more (if I can) completed a day. My customers are fine with the possibility of having to wait a couple of weeks for their design so I've just got to pace myself to get everything done.
Day 28: Again today is spent completing more orders.
Day 29: Again today is spent completing more orders.
I'm still getting 1-2 orders coming in a day and my list is growing by about 12-15 people a day but this is slowing down now.
What I need to think about is spending a couple of hours a day (if I can) turning some of the 7 part e-course I've written into a series of articles to get published. What I'll do is send them over to my first JV partner to see if he'll be interested in publishing any of them.
Wherever possible I try to re-cycle any web copy I've written and use it for different purposes. This is a great time saver and stops you from re-inventing the wheel.
To keep orders flowing in I also need to spend some time in forums helping people, this has always been a way of bringing in fresh traffic and subscribers.
Day 30: Again today is spent completing more orders, this will be the pattern for the next 2-3 weeks as I complete all the orders that have been placed with me.
The thing I need to have in mind is keeping these orders coming in and also tomorrow I need to change the price on my main sales letter to the $167 now the first JV promotion is over.
Have I saved myself through all I've done in 30 days?
You bet!
Final words
Month 2 and beyond...
1.. Purchase a fully licensed working copy of Photoshop.
2.. Purchase a fully licensed copy of Dreamweaver.
3.. Purchase a powerful link tracking solution like NotroStats http://www.nitrostats.com/ (This will enable me to scientifically track the success of all my web links).
4.. Renew my subscription to www.photos.com for another 3 months.
Once all the orders have been completed from the first JV partnership I'll begin setting up an affiliate programme for my design service. This is going to be one of the biggest keys to my success. An affiliate programme will provide me with a more steady stream of customers and subscribers so it's essential.
The best affiliate script I know about that works well with PayPal is one called Ultimate Affiliate from a website called "http://www.groundbreak.com/". This script will run on my own server keeping me in full control and this control "very" important!
Once this Ultimate Affiliate is in place I'll be able to offer any future joint venture partnerships a deal in which they get a share of the profits instead of free design.
Another essential aspect to my online business is purchasing the GetResponse "Pro" autoresponder account, this will enable me to handle a bigger list of subscribers and also give me the ability to send out solo mailings to my list.
What the solo mailings will enable me to do is quite literally make money on demand, so I'm sure by now you can see why you need a responsive list.
In my opinion building this opt-in list has been the most important thing I did. Over the course of just a few days I've already started to see an increase in profits made as an affiliate recommending other people's products. As crazy as it might sound I see this profit ultimately overtaking the money made providing the online design service!
Looking 12 months into the future I'll be turning my design service into a digitally deliverable product. You see online the more people you can help the more money you make, remember that money is just a side effect of helping others. So a digitally deliverable product is the way to go.
So what will this product be?
It could be a software application that helps people to make the graphics themselves based on templates I create. It could even be an ebook containing all the design formula's and templates I've created over the past 12 months.
Why not have a look at my site now to see where I'm up to!
This article is supplied for information purposes only and, as experienced in this subject matter as the contributors are, the material herein does not constitute professional business advice.
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