Commentary about making money online

Hello,

Today I'm sharing my thoughts about online business money-making with those of you who are interested or are currently making additional income from home. What troubles me about these matters of making extra money, is the fact that I tried numerous ways for years (over a decade), and I can tell you that none of them, make you rich unless you are one of those who know how to do some sneaky tactics to increase your wealth.

I am sorry to bust anyone's bubble who is a recent home business seeker, but those that in fact are claiming to be rich from affiliate marketing such as selling e-books (they didn’t create), marketing others’ business links, typing, or writing online is lying.  Those that are deemed successful, an expert or a guru, are actually using various software programs and deceptive tactics in order to increase profits. Some may even go so far as to steal other people's information on the Internet, duplicate, and then create a website or other things to profit.   It’s not right!  I speak from experience.  I just wish that there would be more people who would speak out against some of these individuals and companies deceptive practices, faulty products and misleading advertising.  Even some legit software programs that help with organizing, posting, researching, and more tend to have problems--in fact, they end up being rip-offs.  Do visit Warrior Forum to find out what others are saying about these products that promise to do a lot for your endeavors.

My sincere prayer would be that people would contact the Better Business Bureau, go to RipoffReport.com and other consumer complaint forums and sites just to let people know that their business ventures are not working.  Certain companies are not giving them the monies that they had hoped to attain.

Some legit affiliate marketing businesses I had connected with over the years, but monies were dismal or not at all include:

Amazon

Commission Junction

Link Share

Roi Rocket

Share Results

ClickBank

I marketed into the wee hours of the morning soon after joining and tried all sorts of strategies over the years to increase traffic to links.  I sent links, attached links, embedded links, shared links, posted links, etc. consistently at times to increase revenue, before the Google changes, but still so-so-results.  Pennies on the dollar folks!   Sometimes I saw dollars, like my first $100 (sigh) but that took months to reach on Clickbank.  Then I heard about marketers stealing commissions by messing with affiliate links.  So cloaking one's links became a big deal.  There are thresholds to reach and it can take years to reach them.  People just don’t spend money on books like they do everything else.  So marketing an e-book isn't a good thing unless one has an established network, is known, and has big money to spend on advertising.

More online sellers, marketers, writers, typists, customer service reps. and others need to come out and say, “I receive pennies on the dollar.  That company is no good, they ripped me off!”  I know that it can be disappointing to share such information, but the truth does set you free.  Then you are able to pursue other endeavors.  So I am encouraging someone to comment below about your experiences working from home.

It is our responsibility as business owners, entrepreneurs, whatever you call yourself –a representative affiliate marketer, customer service rep. or writer—it is our jobs to let people know the truth about these different companies. I've already done this on my blog.  Take a look around.  There are a number of companies that I’ve talked about in the past.  

Note: Please be advised since some of my postings on this blog, I haven’t been pleased with Bukisa’s site and found that they haven’t been paying many writers since my last check (and that was a very small check in 2009).  Every time they upgraded their site, the Adsense connection would need to be reconnected (knocking one out of potential revenue) there is still a problem to date (11/28/2012) and the “contact us” section doesn't work either.  Yet, they still continue to showcase writers’ work.  Someone or a group should investigate and call for them to shut down.  One site I used to be connected with, did just that.  Too many complaints filed against them.  Just when I was ready to complain to BBB, they were gone.

Another site I am not too happy about is Xomba, they too permitted writers to publish their material, but I have never seen a check from them and I have been on that site for years!

Feel free to look up my personal experiences working from home. The information is on this blog to help individuals so that they aren’t spending hours and hours and hours working on different projects hoping they are going to make lots of money.  

It seems some of these online businesses, the minute they pay out a nice sum of money, the next thing that happens they are finding some fault with your account.  I have learned the hard way that they do this, because they don't want to pay out another check especially if you are a monthly $100 earner.  It’s not right to cut off workers when they are consistently bringing traffic to one's website!  I realize that errors can be made on a select piece, misunderstandings, or an individual makes an error, but cutting people off entirely just because payouts are too large and a company can’t meet demand—ridiculous!  Go out of business, but don’t keep using worker’s material, links and traffic to fund your site!

These companies should always pay their people and pay them fairly and not create situations where websites go down during peak seasons, because they don't want large payouts.  I also noticed that links are tampered with or programs are created so that affiliate marketers, writers, and others who work online, pay is cut.  

I personally want to start a class action lawsuit, a protest, or something against these sites that claim they will pay people, but then figure out ways to manipulate people out of pay.  For instance, when a survey company I joined in the past realized they couldn’t keep sending checks to us survey takers and our voices were getting louder about, "Where's our checks?"  They came up with a point system, I personally hated the idea--just pay me! The point system threshold, of course, is hard to reach.  Instead of paying us with checks, they offered a selection of gifts to choose from claiming that is what the people wanted after a survey went around.  I doubted that.  Then another company did the same.  So I stopped taking surveys with them and apparently many others did too, because I don't see their advertisements anymore--yeah!  Now with other survey companies, what they would do is limit how many survey takers were qualified to complete a survey in an effort to not only limit their sample audience, but to control payouts.  Many cash surveys that I once qualified for, nowadays I don’t.  I find it highly unusual since nothing has changed much in six years personally for me and the surveys are typically the same back when I did see checks.  So I rarely, if ever, take surveys with any businesses paid or unpaid.  Besides, thanks to all those people who willingly hand over their personal opinion on merchandise for free on popular department store websites, they are cashing in on that too without needing to pay shoppers to fill out surveys.

There are so many sneaky tactics that many companies use to target stay-at-home moms, retirees, students, and the elderly in order to make profits, create loyal customers, and tap into family circles they otherwise couldn't have reached.  They practically get people to volunteer to help them despite promising profits.  

Many shady multi-level marketing corporations, article farms, vanity publishers, product/service businesses, and more come up with strategies to get people to spread the word about their businesses while not keeping their promises, rewarding loyal customers, or assisting those who are marketing their businesses   Phone calls and email go unanswered, marketing tools are scarce, limited or don't work, and checks are not in the mail.   

If I am due a discount as a loyal customer, then why do I have to pay regular price like everyone else?  If I am told a site is going to permit me to make money using my Google Adsense account, then why do I not see the tracking or monies earned from the site?  If I am told that I will receive a commission for work rendered, must I have a threshold to reach and why doesn’t a company do more to assist its marketers?  If I share my link with family and friends, why do I have to keep track of this, test the company to see if I will get a commission, and then contact them when I realize I never received payment?  

Some businesses do very little so that numbers stay low and profit made never makes anyone rich.  I think, by design, they hope that you will stop working, writing, marketing etc., yet still come to their site as a consumer in the hopes that you will click on an ad, make a purchase and do other things without paying you a dime as an independent representative or affiliate marketer.   It is simply much easier to have a consumer, rather than a money-making representative for some businesses.  They think, "Well she might not be selling for us, but we have her and those she knows as customers."  

Please do your research and find out more about the companies you are affiliated with whether you type, write, sell, or do something else online.  Find out what others are saying by conducting a keyword search using the name and words like "complaints, reviews, lawsuits, ripoff, scam..."

Feel free to subscribe to my blog.  I periodically list information to help writers, sellers and marketers who work online.

Well I guess this is it, I just wanted to share that information. And thank you so much for stopping by my page.

Nicholl

Bye LinkShare! A member since '06

I spent years marketing products and services of companies connected to Linkshare.  I also recommended many people join the company and never saw referral credits.

Overtime, I noticed a pattern with my Linkshare account, it seemed the minute I started noticing commissions through heavy promotion, a company would soon after leave the program.  Other times, I saw months of no commissions, so I would send a variety of affiliate links from different companies out to people I knew so that I could test the integrity of this company and its tracking tools. Those relatives and friends I knew who made purchases, including myself, through some of those links, their purchases didn't show up. I got one small commission check a month later for $1.10 from a popular company.  After several times of doing this, I backed off.  But before I did that, I connected my banking info. with my account so that I could get a direct deposit, just in case my commissions caught up with me, so that I didn't have to get a check in the mail.  One day, my banking information was not in the system and the selection was back on paper checks.  I continued taking down links after I found out that two affiliate marketers didn't receive pay checks as large as $800 plus.  This year I disconnected from this company.

I advise that if you are going to connect with any company on or off line and promote their products using referral or affiliate links, keep a close watch, send links out to those people you know to test the integrity of their system.  I also would suggest don't spread your affiliate links around all at once, instead focus on one way of marketing for a time so that you can better control your links and watch your traffic.  Each month I had thousands visit my links for a stretch of time and then I would promote less during times of the year when I was busy with other projects.  There are so many ways to market, but when you do, like I mentioned before, keep track of where you place your links.  When the company or companies don't deliver, take down your links.  If you have them everywhere, it will be hard to take them all down at once--that was my issue that is why it took me so long to get rid of banner ads, text links, etc.  Don't waste any more time promoting when you don't see commissions!  Remember it's not always about marketing techniques, sometimes people just don't bother with companies because they aren't popular, their prices aren't competitive, they charge shipping and handling costs, limited selections, have no beneficial coupons, bad reviews, etc.  None of which you can control!  Happy marketing!

Linkshare Reviews:

http://www.ripoffreport.com/Search/linkshare.aspx

http://www.imreportcard.com/services/linkshare/

http://affiliate-marketing-forums.5staraffiliateprograms.com/linkshare-forum/17402-unpaid-payments-45-000-sales-student-universe.html

I also used to be with Commission Junction.  I noticed with this site as soon as I saw the light at the end of the tunnel, my account was suspended.  I wrote articles and connected my affiliate link to those articles and somehow I was in violation?  Go figure, meanwhile I followed the advice of gurus back then (this was around 2006-07).  Anyway, here is information about Commission Junction, a competitor of Linkshare.

 http://www.ripoffreport.com/department-outlet-stores/cj-com/cj-com-third-party-company-of-3cccc.htm

http://promotedprofits.com/commission-junction-lawsuit/

http://www.webproworld.com/webmaster-forum/threads/100754-CJ-com-Commission-Junction-is-a-Joke-and-a-Scam

Thinking About Marketing a Business Using Social Networking?

Some people have bragged about how much money they received and how many prospects they signed up for their business opportunities as a result of marketing on social networking sites like MySpace, Facebook, and Black Planet. Yet, what they don’t tell you is the specific details of the plan they used to get them. They avoid telling you this because they hope to sell what they know in a future Ebook or don’t want you to compete with them. The truth is it all depends upon two things: the product you are selling and how you market them.

As we all know, some products just don’t do well on social networking sites. They may cost too much or be too cumbersome to obtain. The website may be a headache to visit due to bad video, music, slow uploads, error codes, and long forms to fill out. Sometimes sellers are terrible marketers and do the following to lose a potential sale such as: bombard friends’ sites with lots of ads, ask for friendship without bothering to compliment someone’s site, avoid starting a relationship with their potential customer, don’t support other sellers, and won’t respond to emails when they are contacted.

Trying to sell your own products can be a problem especially if others are trying to do the same. The social networking sites’ owners know this and will disable your links if you are an affiliate marketer or put up warnings of possible viruses to dissuade people from visiting your site. The owners know that if they allow marketer’s links all over the place on their pages, visitors won’t stay at their site very long before they are clicking off the site onto other marketers' sites. They also hope that visitors will click on their Google ads so that the revenue stays on their website.

If a marketer wants to be seen by others, everyday they will have to log in, make contact with their network, post blog entries, visit forums, or do other things to get noticed. They usually have software to help them add friends or other clever ways to save time obtaining friendship manually. Sometimes using friend adder software can backfire! Often getting a marketer kicked off a social networking site.

There are people on social networking sites looking for legitimate friendships but when too many people are marketing their wares to them, they can get angry and report marketers to the website watchdogs. Sometimes other marketers may be jealous of an individual’s large network and report him or her in spite.

The more contact you make with those in your network the better! A friendly “how are you” email helps. A link of your website in your forum signature is great. Speaking of forums, they can get tricky if a business owner is not posting relevant information. Also, if the watchdogs see too many postings they have a way of slowing you down by sending a warning email, commenting on your posts by making spam accusations, or sudden errors come up in the midst of all your posting. There are marketers who also use software to post to forums as well.

Classifed ads can be helpful for marketing, but once again depending on the product a business owner is selling it can be useless; since many people visiting the site are more interested in socializing then checking the classified ads. Most people will still visit a major newspaper or a related website based on their need for the things they want.

Marketing a business on a social networking site is a great learning experience, but can be a big time waster if a marketer isn’t seeing any results after following the advice of the experts. When you see that the free ways to promote your business, such as clicking on everyone’s profile page and sending them an email about your product is not working, like door-to-door selling keep it moving or try another method to market your business.

A Review of Affiliate Marketing

Like you, I was in search of ways to make extra money using my computer. One day I came across a site that offered numerous eBooks and software that could not only be purchased, but also buyers had opportunities to market the products for a commission. It seemed easy enough and so I began my quest to find out ways I could market these products to others. From posting links to my personal web pages to sending emails to my contact list, I was determined to make some extra cash. However, along the way I experienced various problems and so that is why I felt the need to let others who may also be thinking about doing the same thing aware.

The first problem I encountered is outdated information. Some of these sites that provided ways to market affiliate products had not been updated in years! So I spent more time than I should of trying to put to work techniques that no longer worked! I can tell you that many websites will not accept an affiliate marketer’s links such as: some of the major auction sites, blog sites, and social networking sites. Some of the paid classified sites will not allow you to post your Url link in the description space and will charge you extra money to include it as a separate link. Because I didn’t know that initially, I would copy the links to affiliate products with my id information exposed for the world to see and post them everywhere (which was another problem by itself.) At times I received email from the watchdogs at some sites requesting that I take down my links. In addition, I didn’t realize my id information could be compromised and that those more knowledgeable about the system could steal my hard earned sales from me. Once I found out that this could be possible, I began seeking information on how to cloak my links.

The next problem I experienced dealt with trying to get more people to see my links and hopefully click on them. What I didn’t realize is that sometimes without notice the owner of the product or the affiliate marketing company could make my link ineffective, drop my information from the database, or some other problem knocking myself and others out of opportunities to make money! After spending weeks of posting links, I found this out the hard way. I was dropped from a database without explanation. As far as I knew I wasn’t in any violation of any policies (once I learned the correct way to market my links – always read the company’s policies before you start marketing products) with the affiliate marketing company, so I began to search to see if anyone else had a similar experience. It turned out that others did! Without notice, their links were redirecting without their id showing up for commission credit. Some affiliate marketing companies may drop a marketer for a number of reasons from not making any sales within a certain period of time to a client relationship ending and everyone affiliated with the business being dropped from the database.

Another problem I found with this business of affiliate marketing was the wages. It seems impressive when you see how high the commissions can be when you join the business; however if you don’t research the product thoroughly that you will be marketing, you may also discover a lot of requests for refunds. I usually went to sites that post rip off products and visited forums to find out what buyers are really saying about the products. It is best to check more than one because some of the business owners or other affiliates will act as if they are buyers boasting on their own products in some of these forums to generate more sales.

After spending money on many “how to” products to help me with my marketing efforts, I found that many of them were saying the same thing only in different ways. Over and over again Google Adwords and other pay per click sites were mentioned. So I thought that by using search marketing I could also increase my revenue instead what I found was I spent more than what I got back in commission so needless to say my time using this technique was short-lived. What many of these books fail to tell you is that you need an extensive marketing budget to promote affiliate marketing products in this way to make the big bucks! Better yet, creating your own product increases one’s chances to make a decent living! Another technique many marketers use is article marketing. Basically they write an article about the product and post their link at the end of it hoping the buyer will click on it and purchase the product. From personal experience, I can tell you that many readers click, but many don’t buy especially when these very lengthy sales letters can be a curse at times, rather than a blessing! Some of them reveal so much that by the end of the sales letter, a buyer pretty much has their question answered and will find further information on the subject for free.

What I found at times when I read these sales letters is that the owner would prioritize asking for the name of the person and the email address which distracted the potential buyer from clicking on the sales link. Now that was a problem for me, because I am trying to make a sale not help the owner collect names and email addresses! But that was exactly what I was doing! You see, the owner already has the contact name and can send them a follow up email with a link anytime he or she wants without crediting me with commission!

In conclusion, I found my experience with selling digital products wasn’t as fulfilling as other marketers bragged about it in their books. However, I would never say don’t try it; just don’t lose your mind when you make that first $100 and think, “I can quit my day job!” Because the truth of the matter is it’s going to take hundreds and hundreds of man (or woman) hours to do that as well as the creation of your own product coupled with a few online seminars priced between a few hundred to a thousand dollars per person, a membership program that charges a monthly fee, and an extensive email list that you can periodically tap with more affiliate marketing products! To your success!

Newbie Affiliate Marketers: Listen Up!

For years I have been making pennies, dimes, nickels, and dollars through various ventures on the Internet. There are many things that have changed over the years especially with affiliate marketing. It seems the more someone says, "How it easy it is to make money..." The harder it becomes online. Posting your affiliate links everywhere just isn't like it use to be!

Restrictions on Craigslist

You can't use the short bit.ly, the tiny or the short urls without a warning coming up.

Anything and everything being called, "Spam!"

If you post your url on Twitter, it just might be alerted as "Spam" to the site that hosts your url especially if you have it on an automatic scheduler. It's best just to cloak your link and limit how many times it shows up throughout the day.

Classified ads

There was a time that you could list your products and affiliate links galore, but now there are limits, restrictions, rules and regulations! Some sites charge additional fees to include your url with your ad or some have simply done away with business opportunity sections.

Yahoo Answers

Put your affiliate link on this site like some of those outdated videos suggest and your account will be suspended.

Feel free to comment on changes you noticed as well.

Making Money Online: My Internet Experience

Some people ask me what exactly do I do on the Internet because every time they see me I am involved with either helping someone with a project or doing my own thing. Over the years, I have been involved with so many different Internet companies so I thought I might share my online experience with my readers. If you are serious about making money via the Internet, realize its going to take some determination, sacrifice, money, and a whole lot of prayer! I have been challenged in everything I have ever done on the Internet. If it isn't the negative comments its the lack of cash. My daily goals have been derailed many times due to broken links, my children interrupting me, the phone ringing, noises outside, sleep, hunger -- you name it! But come hell and high water, so the old adage goes, I keep going! So here are 14 experiences of mine selling via the Internet for almost a decade(2001 to 2009)Prior to 2001, I offered offline writing, desktop publishing and typing services and sold housewares at flea markets in Pennsylvania and Ohio. Okay, here goes:

1. My fever for Internet selling, all started with a classified ad looking for Avon sales reps located in the Penny saver. The year was 2001. The woman who signed me up said I could have my own website through Avon -- I was all over it! I had only been dabbling with eBay at the time.

2. I saw an infomercial the same year for people interested in selling novelty items. The company was SMC I would take my catalogs to the workplace, order products and sell them or get others to sell for me, and post fliers in the community promoting SMC products. Around the same time, I saw ads online for eBay and thought maybe this would be a good starting place to get my feet wet. Boy was it ever! I literally prayed for knowledge on what to sell out of my home and everything I touched turned into cash! Those were the days, but the long hours...whew! There were many days I didn't go to bed until 4a.m. I had just had a baby back then. So I had two little boys in my care and they were very needy. I eventually added Half, (eBay's affiliate) and Amazon.com to my growing Internet ventures. There were other small things I dabbled in at the time like businesses that gave you free websites and others that sold oils and natural remedies and health drinks. All of which didn't live up to the hype.

3. While eBay, Half and Amazon seemed to be picking up some momentum some time around 2002, I was introduced to Prepaid Legal. I didn't take that business seriously since it just didn't appeal to me especially since the one who introduced me to it was my husband and he was looking for me to work the business. He didn't seem that enthused back then, so I thought, "Why should I?" I had enough on my plate, so that venture fell by the wayside. With my long hours day and night working my businesses, eventually my computer would no longer be any use to me, so I got another one and became an affiliate for the computer company that I bought my computer from. I would post fliers around the neighborhood including my link code so that the company would discount my computer for every sale. Once the computer was paid off, I stopped promoting them especially when they seemed to forget to give me a credit for my sales and I would have to call to remind them.

4. A friend of mine wanted me to start going to meetings with her for Petra Lingerie during late 2002 early 2003. I thought, "Well this is a good opportunity to promote Lucky Heart Cosmetics," the alternative to Avon for women of color. I wasn't enthused about booking home parties. Neither was I interested in making new friends. I had two little friends (my sons at home) that kept me active enough and an eBay business that kept me up late at night.

5. Things were getting to be challenging for my Avon business in 2003, because I was losing clientele in my apartment complex of 729 tenants due to my customers not paying their rent on time. It seemed that they could have the money to pay for Avon and SMC novelty gifts, but no money to pay rent. I tried to get some involved with my business affiliations, but they weren't interested.

6. The same year, my sister was on fire for a business dealing with nutritional supplements and chemical free cleaning products. That business was Melaleuca. I kind of fell into that business, because my mother invited us all to the house and then surprise! A white lady shows up talking about the Melaleuca opportunity. I didn't know how to feel about the business at the time. It sounded nice, but there was no love.

7. I joined Melaleuca, but it was short-lived because I didn't appreciate having to get customers to give up their credit card information so that they would have automatic shipments that they would later cancel; therefore affecting my bottom line numbers.

8. By 2004, I had dropped all those businesses because I had to work too hard for pennies on the dollar. I was ready to make some serious cash and joined a business through a so-called friend called ACN. I name her a "so-called friend" because as quick as I invested $500 into the business, I didn't hear from her or see her. Meanwhile, I was left with a few brochures and a video tape, I was on my own, that is if I decided to commit to weekly meetings, "I think not!" I wasn't about to fork over more cash during those meetings for sales tools, seminars, etc. When I couldn't even see results with traditional means of advertising.

9. I would abandon all Internet and offline sales until 2006, I was pregnant with my third son and desperate for cash. It had been over five years since having a little one and I noticed quickly how much the price had changed on baby stuff. I had also noticed how much eBay had changed too. Just about every market I could imagine was saturated with everyone's stuff! Even the wholesale distributors were in competition with their own clients! I decided to explore something called affiliate marketing which basically promoted others goods and services using a link that affiliates you with the company. When someone buys through that link, similar to that computer flier I spoke about earlier with my own code, you make a profit. However, even with some of these businesses, people will rob you of your profits. Here is one of the ebooks Click Here I am selling about making money online. I created my first website How to Books Online the same year which I have since abandoned.

10. While posting links everywhere I could, I came across SFI. This was a business that provided health and nutrition items, home business tools, magazines, and other useful items. I decided to give them a try because of how easy the business was to join and the fact it was free -- that is until I found out that this business wouldn't provide any real profit unless of course you signed up for their monthly billing/ automated shipment program (sound familiar?)! If you didn't want to do that you had to try to convince others to buy from you each month.

11. While struggling with SFI, I decided to return to my first loves eBay, Half and Amazon. So I searched around my household in 2007, 2008, and 2009 seeking things I could sell just like the golden days. While my listings were up on the various sites, I returned to writing (something I did on and off for years as a hobby since I was 9 years old. I received my first dollars for my writings in 1993 while providing a typing service for people back in Pittsburgh, PA.) I decided to get serious about my writings in 2007 after submitting many of my past writings to Associated Content, Constant-Content and later Triond, Ehow, Poetry Poem, and Helium.

In recent months, I came across Demand Studios another site that pays for content. However, I was very disappointed to see that for hours of work, these sites would only pay at best $5 for suggested titles and $15 for assigned titles for a professional writer's work. I began to venture off on my own only submitting on occasion. I started creating my own blogs and submitting to my own sites as the spirit moves.

12. During 2007, I had ran out of stuff to sell, so I connected with a few wholesale distributors. They were small mom and pop types. Some prices were indeed wholesale while others were not which didn't constitute a true wholesale business (they didn't even ask for business licenses!? Not only that, they charged a fee? Since when do stores charge you a fee just for partnering with them?) I decided to get my business license in 2008 in California (I had others in Pennsylvania and Ohio) and hoped that future searches would lead me to true wholesalers. Well it did, but those companies were not delivering unless businesses could meet their minimum. So back to the small mom and pop businesses who call themselves wholesale distributors. Bummer!

13. I filed my taxes, as I did in the past, only to find that many times I actually didn't come out ahead like I originally thought, if anything, I lost money trying so many things. For instance, I was sold on the hype about buying traffic. So I got involved with pay per click and was disappointed when I found that I had joined a site that hadn't stopped people from clicking on keyword sites even after I requested they do so. Almost a day later, they finally stopped it, but told me about the malfunction at the site. I learned the hard way that when you get involved with pay per click you almost have to babysit your page and try method after method until it yields the result you want.

14. In conclusion, I have stuck with writing and selling on the popular sites and creating books. These seem to be the only things online that have worked for me. Oh and by the way, I recently signed up with AccountNow, this company pays a small stipend for referrals in case you are interested. However, you will have to sign up first just click the link I provided. This is a great company for those of you who no longer want to deal with banks.

To be continued...