In internet marketing or in any business… Ever heard of analysis paralysis? It’s the over analysis of things that results in getting no job done. You’re so eager to make it perfect, you forgot the most important thing… Doing it.

I use to have this problem and I still do every once in a while. You might have experienced it but you’re not aware of it. Reading a lot of materials thinking that it might help you. But it only paralyzes you. The most important thing is to just do it.

I read the book “Rework” its about how to manage a small online business. Its not a book how to make adsense sites nor do affiliate marketing nor “How to be a blogger”, its a general book on how you become consistent at successfully managing your small online business. What strikes me with this book is to keep it simple. Being a small online business is great. You don’t have to act so big, so the good or bad things you do, nobody will know or even care.

My point is, if you spend more time doing the things in your mind instead of just pondering on it all day, you can go places and move forward. There is something we call, iteration. Where we continue to add improvements to something. Be it a blog, an ecommerce site or affiliate campaigns, it doesn’t matter. Nobody cares if you mess up. Nobody will laugh at you. You can still change things. Remember, its your business and you have all the time in the world.

Ok. You might have some questions in your mind such as:

- I don’t have money to start my own business
- I don’t have experience in running a business
- I don’t have time
- I don’t know how to run a business

And my answer is:

- I don’t have money to start my own business

Having no money for business is the most common excuse. You can borrow money. Sell some crap things you don’t use. Get a loan. Rob a bank. Seriously, we are not in the great depression. Money is everywhere. Furthermore, online businesses are not that expensive to start. You just have to need a website for around 2,000 Pesos. Just a website and you’re open for business. Remove the idea that you need a lot of money to get started. You don’t. At least not in an online business.

- I don’t have experience in running a business

Neither do I when I started. I’m a computer engineering graduate. Pure technical stuff. The kind of guys that would never ever think of running a business but only to fantasize about working in a large and popular company. But I did. I manage to pull through. You just have to have the determination to go and act on your ideas. Remember that thoughts and ideas are spiritual in nature and perishable, act upon them and you give it respect. Ignore it and you’re stuck with the idiots who blame the government for their misfortune…

- I don’t have time

Sure. And I’m the mad hatter.

- I don’t know how to run a business

Read books? Go to seminars? Go to conventions? Surf the internet? Ask a family relative who has a business? Ask a friend who has a business? The list can go on.

The moral lesson of the story is, Just Do It. And when you do it, you will be victorious.
Nike is the god of victory in Greek mythology.

I got a chance to meet a businessman that owns a driving school here in Bulacan, 40 years old, 3 years in business. And one thing that strikes me during our 2 hour conversation is that when he said “You just have to take risk. Just do it. Sooner or later you’ll get pissed about your work. How plain and routinely you go to work everyday to receive a measly pay check. You will want change. But that change is with a cost. It’s up to you if you want to take the chances. Any successful person will tell you, “I’m glad I took that chance” and I’m happy I can say that as well.”

When it comes to making money online, there are lots of people that can tell you how and why. But most of the time, people who says that “this is the real way” is most of the time just bragging, wanted to be noticed or just a link bait or selling you something. How you perceive a genuine knowledge of a person is up to you. I am not a psychiatrist.

If you are a beginner, I’m sure you have read a lot of blogs that tells you this niche is good or this way of making money is good and its a no brainer. Maybe, having a brain is just what you need to succeed. You don’t need someone to tell you that its a no brainer because, you have a brain.

There is nothing out there that can help you make your first buck online. You only need yourself and common sense.

Number 1 RULE: Do What You Like Best

In choosing a niche to make money on, always consider what you want, like or interest. Don’t be influenced by other people because you think its hot right now. I say these things because, I know myself for being lazy… And if I create a site or a niche that I don’t like, I’m sure that the site will die in just a week and I’ll be lazy to post more articles or promote this site to keep it making money.

I’m sure you’ve felt that feeling that if you don’t like something, it feels like hell. Something like going to work early in the morning that you don’t really like. Not a good feeling right?

Even if your site topic is about “snails having sex” and not much buzz around it, keep it going… As long as you like the topic, do not stop… There will be time that your efforts will pay off.

Fine Line Between Doing What You Like & Learning To Improve

There is a fine line between doing just the thing you want and nothing else. Allot a time to “LEARN” things that will supplement what you are doing.

Do Not Listen To Anyone

Do not listen to anyone who says to do this things or that thing to make more money. In fact, don’t listen to what is written in this site. Test your ideas first before going for others’ opinion. Opinions are worth crap. Opinions doesn’t run businesses.

Find Time To Improve Your Skill Set

Many people I know becomes successful, they work and work and improve their quality of work in terms of time finishing the job. But the free time they have, they allot to less important things like playing. I mean, if you have a free time from work, wouldn’t it be beneficial to learn something new that can help you finish your work in lesser time? I’m sure you’ll be playing after work anyway… Or learn something related that will help you earn more.

Money and time is sometimes proportional. If you’re a web designer, wouldn’t it be great if you could learn more things relating to web design like coding html 5, jquery or ajax? You can leave php behind because its for developers but it wouldn’t hurt to learn that as well. The next thing you know, you know everything. That even if you lose all your possessions right now, you’ll still be able to earn money with just what you know.

Strong Mind & Emotion

Being an affiliate marketer is a business in itself. You mess up, its yours to blame. You lost money, no one will sympathize with you or give you a fucking hug. You made a mistake, get up and move on. That’s what I like in having a business, it separates a man from boy. At work, you might get the help of your colleagues to work things out, if you fail, its your employers time and money that is at risk. You’ll still gonna get paid at the end of the month.

In having a business, I was surprised by the emotional rollercoaster. One day you’re earning very good and you wanted the whole world to know. It’s like Megan Fox just stripped naked in front of you. And some days, you feel like shit because you’re losing too much money like Manny Pacquiao just punched you in the groin. Either way, its a fun journey. Just be prepared for the ups and downs. Especially the downs.

Many people grew up with the idea that having a full time job will make you stable. I did. The truth behind this is that, its a lot more risky to have a job than to have a business. Take the economic crisis for example, many people was surprised (and terrified) when they got laid off from their jobs and in financial trouble, you won’t know when it will hit you. Having a business gives you a lot of options to enjoy life. Even though businesses were affected by the economic crisis, you can bet that these businessmen already have other businesses that can keep them afloat. Its all about risk management. “Don’t put all your eggs in one basket”. If you have a job, you only have 1 egg.

Of course not all people are gifted with entrepreneurial spirit and will still choose a job than having a business of their own. Not all people are knowledgeable to start and run their own businesses. And it is easier to just get job and get money monthly though your salary.

I always remember the talk of David Heinemeier Hansson about having a business online. You don’t need to kill yourself working to have a billion dollar business online or offline. You just need to get that first 1 Million annual income. After that, you will realize that you have a lot of free time and will be able to do whatever you want in your life.

When I was in college, I tried to work 24hrs a day just to pay the rent, bills and college tuition. It was tough and I always remember the things that I want to do but can’t because of that. I always wanted to learn how to play the guitar. Just this month the feeling came back and bought my 2nd electric guitar and start learning. I can now play some music. It wasn’t possible before. But right now its different because of freedom I have.

This is what we call a lifestyle business. A lifestyle business in my own opinion is establishing a business for the sole purpose of supporting a lifestyle. Need a car? Create a business that will pay the car loan. Need a house? Create a business that will pay the mortgage. It doesn’t have to be complicated. You don’t have to beat Bill Gates to get your dream house or dream car or travel the world.

When a person is young, has financial freedom, has a lot of free time, he is not motivated by money anymore. This is the time where he tries to look for the meaning of life and tries to reach and do things that will make him leave a mark in this world. I guess its a man’s instinct to always on the hunt and if he reached his long term goal early, he tries to go for the big shot.

What I’m trying to say is that, if you’re still struggling financially after working for years and years and still haven’t accomplish anything you might want to take a break and reflect on things. You don’t have to rush finishing your work… If you’re done you wont have anything left to do. Take a time to appreciate nature, get a vacation perhaps… If you’re still searching for the perfect job from a far away nation because of its generous salary, and still no hope… Maybe its time for you to start making the perfect job instead of searching. Because there’s no such thing as a perfect job.

Your skill is directly proportional to the money you’ll earn plus your ability to communicate with people multiplied by the amount of confidence, trust and perseverance you have.

I don’t know if its just a fad or just a politically correct way to answer why you want to work abroad… “To help my family” is a little bit cliche now. You can not help others if you can not help yourself. Just like a drowning person. If you don’t know how to swim, saving a drowning person may risk your life and be dragged to death even if you know how.

You can only achieve happiness if you’re being selfish. Happiness can only be real if you share it.

September 11, 2009 we attended Gonegosyo Youth Summit 2009 and we have our eyes on the seminar schedules. I am amazed by how many of the seminars conducted are about internet marketing, ecommerce and online business.

Go Negosyo Internet Marketing & Online Business Seminars

eCommerce

The first seminar we attended is about ecommerce. There are basically millions of people using multiply to sell their products online. Being an online entrepreneur myself, I find it funny because multiply was designed to be a social network not an ecommerce platform. If I want to sell my products, I’ll go to ebay or amazon or have my own store set up with free ecommerce software, and create a paypal account for the payment and I’m done! Nevertheless, it seems like multiply is adapting and catering to these businesspeople and designing the site into more of a marketplace than a social network now.

This part of the seminar is just an interview of different people that had successes in ecommerce. Some people selling ukay ukay, pudding (yes pudding “the bread”) and apparels online.

Internet Marketing will Boom

Carlo Ople, a marketing consultant working for friendster.com talked about the industry and how the youth can start their business online. Why people are afraid to do business online and why people fail. First of all, people don’t want to do business online because they don’t know anything about it. And of course, being in the internet, we don’t know who are talking and who are the real deal. Some people choose silence even if they have geniune knowledge. We will never know. That is why doing business on your own will make you learn tons.

Second, initial capital. A web hosting costs around P100 and a domain P500 per year. The good thing about doing business online is that you don’t have to have a lot of initial capital. You can create your own store using free sites like multiply or you can promote other people’s product using affiliate marketing. And of course, there is the ever popular blogging. Which takes me to the next part.

How He Became A Blogger

Anton Diaz, the blogger. His talk was about blogging and making money thru his blog. A little bit cliche for me but its kind of interesting to say the least. How he went from a full time employee into a professional blogger traveling and promoting the Philippines. I like how you can see his love for the Philippines as he goes to beautiful places that are hard to find and can only be seen in the Philippines.

But in terms of the real “How to’s” you won’t get any technical information about the talk.

Blackhat and whitehat seo sounds like an epic battle between good and evil in a sci fi film. Where the blackhat guys are the bad guys and whitehats are the good guys. But in internet marketing and making money in this business, its not who do good tactics or bad tactics, but who earns more. I have been learning a lot of blackhat seo’s this past few weeks and it is not something that I used to imagine. Things like scamming, hacking & stealing from people on the internet is not a blackhat way. They are just plain scammers. If you search the internet, there are communities for each of these kinds of people and I believe blackhatters are one of those communities that are most often misunderstood. They work under the radar, they don’t want to be known, they don’t want people to know how much they make money, they don’t want people to know HOW they make money. Most of the time, they are just lurking in the shadows that when people say bad things to them, no one will speak up.

I learned to appreciate these people when I had the chance to make friends with a few black hatters. Up until now, they are teaching me how to do things that are thought of insane in the whitehat world. These guys are businessminded and has business ethics as well. Not with the goody two shoes talk with whitehatters that will bore you. The community seems more like a friendly environment than the whitehat community composed of too much technical jargon that will make you kill yourself to boredom.

Though, both side of the party have their own pros and cons. And I believe that learning both disciplines is not a matter of who is better. It’s just that we are here in this business to learn. Whitehat or blackhat, its an experience. Good or bad is still an experience.

I try to stay away from the blogosphere and social media as much as possible. It is not for me. One of the few people who I really look up to is a blackhat seo. He opened my eyes from the tragic cycle of people wanting to do business online. And social media for me and the blogosphere is not where the money is at. I will leave all those to the best bloggers or the top bloggers in the world/country. These things that I like and hate is common to all the people in the community. So I found myself a home.

Any experience we get is a learning tool. Even if your mentor is a blackhat, you should have an open mind to know if he’s telling shit or gold nuggets.

Learn to think for yourself. The blogosphere may be good and friendly. But its not what we are after when doing business on the internet. We are here to make money. Making friends and having fun can be done in real life. I’d rather promote offers all day than socializing, commenting, tweeting on other blogs. I can always socialize on blog events. Which I don’t go. Because I am no blogger. Maybe in the future when I’m a travel blogger traveling all over the world. But before that happens, there are a lot of work to do. So…

Watch your back boys and keep your nose clean.

You might have read on my previous post about ClassiPress. A wordpress theme that can turn your blog into a money generating classified ads wordpress site. You can either earn money by selling classified ads listings that are processed automatically using paypal or just make it free and ad adsense on it.

There is a new version of it right now which is the latest. That includes 5 color schemes to boot. More information about the new update is found below. To visit the classipress homepage just click on the link.

ClassiPress is the first and only premium WordPress theme designed to easily turn your Web site into a classified ads system. Our feature-rich theme was built for ease of use and tight integration with WordPress so you’ll be online and selling classified ads on your site within minutes.

Our product is great for any size business and easily scales because it’s built on top of the WordPress infrastructure. ClassiPress can either replace your current WordPress theme or run in parallel with your existing Web site so the choice is up to you.

Highlights Include:

• PayPal Integration - Turn your Web site into a money maker. ClassiPress is built with PayPal integrated right into the theme. This allows you to charge a fee for anyone who wants to post a classified ad on your site (optional feature).
• Instant Image Uploading - No more having to wait for customers to email you their images before posting the ad. Your customers can attached multiple images directly to the ad submission form.
• Image Manager - Easily see what images have been uploaded and moderate as needed.
• Auto Expire Ads - Automatically prune ads older than x amount of days. Makes it easier to set an ad price based on a specific time limit.
• Subcategory Support - Our classified ads system supports nested categories for those who are looking for deeper listing capability.
• Seller Contact Form - Visitors can easily contact sellers right from your Web site. The Ajax-driven contact form is neatly built into each individual ad page.
• Integrated Login Box - Sellers can quickly login to post new ads right from your Web site header (optional feature).
• Report Bad Listings - Visitors can report spam or inappropriate ads on your site. You will be notified by email when this occurs.
• Multiple Currency Support - Choose from several different currencies based on your country location.
• Email Notification System - Receive an email when a new ad has been created. You’ll also be notified once payment has been made.
• No Plugins Required - ClassiPress doesn’t require any plugins to work. We do recommend using some plugins though to get the most out of your Web site which are included for free when you purchase ClassiPress.
• Widgetized Sidebar - Easily ad or remove widgets from the sidebar without having to touch any code.
• RSS Feed - Visitors can subscribe to your rss feed from any feed reader and instantly see your latest classified ads.
• Advertising Plugin - Create additional revenue on your Web site by using the optional advertising plugin.

New v2.8 Features Include:

• Five Color Schemes - Now you can choose from five different colors on how you want your site to look. Blue, green, pink, red, and classic colors. Easily change the scheme from an options page drop-down which means no messing with any code.
• Updated Options Page - With improved features comes improved admin options. You now get five option pages to give you more control.
• Breadcrumb Navigation - See exactly how deep you are on a page with detailed navigation links.
• Email and Print - You can now easily have your visitors print and/or email the classified ads by clicking a link!
• Tags - Each classified ad supports multiple native WordPress tagging for improved organization and searching.
• Ad Visitor Counter - Shows how many daily and all-time visitors on each specific classified ad.
• Feedburner Support - The new options page includes a field so you can instantly add your Feedburner URL.
• Google Analytics - No need for a plugin. Just paste in your GA code and you’ll start tracking visitor behavior within seconds.
• AdSense Support - Make some additional advertising revenue with Google AdSense. Just paste in your ad code and it appears on each classified ad.
• PayPal Sandbox Mode - You can now test your PayPal account and process dummy payments before opening your site for business.
• Custom Fields - WordPress allows you unlimited custom fields so why not take advantage of them? ClassiPress now stores all ad meta information in custom fields.
• New Icons - We’ve spiced up ad pages by including some new icons. It’s a great way to help visitors (no matter what language they speak) quickly identify what it represents.
• Multi-Language Support - ClassiPress now uses the standard WordPress localization framework called GNU gettext. This makes it easy for you to localize the included .pot file and change ClassiPress into your native language.
• Supports 18 Different Currencies - Sell classified ads using almost any currency in the world. With PayPal as our payment processor, we make it easy to be a global business.
• Improved SEO - We understand the importance of search engine optimization (SEO). That’s why we’ve baked in enhancements to help your site rank better.

Additional Benefits:

• Ease of Use - ClassiPress was designed to virtually work right out of the box. All configuration is done through the management page without having to touch any code.
• Tight Integration - ClassiPress works as a standalone website or can easily integrate with your current WordPress instance.
• Easy Management - We designed ClassiPress with ease of use in mind. A dedicated options page is included for easy setup of all your Web site classified ad settings.
• Support Forum Access - Our support forum is always available to you. There you can read about solutions and/or post your unanswered questions.
• Free Updates Forever - Buy today with a piece of mind knowing that any future updates will be sent to you free of charge.

ClassiPress was designed to use the core WordPress features. Each classified ad essentially just uses the WordPress posts functionality and custom fields for the meta information (phone, image locations, end date, location, price, email, etc). The WordPress page functionality works just like normal. When you create a new page it adds a link to it in the footer. ClassiPress even plays nice with most WordPress certified 3rd party plugins (not all plugins have been tested against ClassiPress).

Here are some additional ClassiPress screen shots from behind the scenes within the WordPress admin area:

• What a submitted and approved classified ad post looks like
• The “Configure” options admin page
• The “Settings” options admin page
• The “Payments” options admin page
• The “Categories” options admin page
• The “Images” options admin page

I must admit. It is hard to persuade or prove to fellow Filipinos that having a website will sky rocket their businesses’ growth. I always approach owners at stalls on the mall and ask them if they were interested in having a website for their business. I am amazed by how many people still don’t know what is the internet and how they can benefit from it. I am a bit surprised that most of them thought that I was a scammer. I find it funny though and I can’t blame them. I never dresses well like a salesman. I just approach someone upfront spontaneously. I mean, I wanted to help and I was just passing by.

The benefits of having a web site designed and developed for your business is crucial. Even for Philippine franchise that wants to sell their business, needs a web design. Have you ever searched the internet for a service and found that the one you found is located somewhere in the US or in Cebu? While you are in the opposite part of the country. Then you found out that the service you’re looking for is just around the corner? Businesses, big or small, needs a website. People will almost always search the internet first before they go ask a family, relative or a friend about their needs. Why? Because its easier!

Let’s breakdown the advantages and disadvantages of having a website for a business.

Advantages of a Business Website

• Customers will search the internet first before asking or searching offline.
• Business websites provides instant contact and connection with your customers or clients.
• Web sites for businesses are easy to set up and maintain.
• Almost anyone knows how to surf the internet.
• Anyone can access your business 24 hours a day.
• Having a business name on your domain will build trust to your clients.
• The whole world is your audience

Disadvantages of a Business Website

• You have to pay for a small price for the hosting and domain.
• You might need to update the page once in a while and if you don’t know how to code. This could be a problem. But most of the time, web designers and developers are willing to do this for you for free or a small price. The good thing is, there is another option, you may want to tell the developer to install a CMS (Content Management System) on the site that will let you edit the site without having to learn any coding.

Almost all people will judge you by how much money you make and if you won’t tell them how much, they will ask you what you do. Then they’ll try to make themselves look better than you. This is what I experience when I attend reunions or alumni homecomings. Just like my friends says “Payabangan lang yun”.

I am not mad at these people. I find it amusing. And it make me feel happy that people are happy with what their status in life are. Think about it, would you rather hear a sad (poverty) story from other people? Or a story of excitement of success?

To make themselves even feel good, I always put myself less successful than they are. It makes them talk about more of themselves. Its fun. They will ask, what’s your job? I will answer, “I stay at home & I have no job.” I never really lied because, what I’m doing is not a job, but a business.

Then here comes people that will talk about their failure. These are people that I really don’t want to listen to… Because you are always in command of what you can accomplish. So when I hear people that they only make this much in their job. They should print out this list.

The top 24 according to the U.S. Department of Labor

1. Surgeon: $181,850
2. Anesthesiologist: $174,610
3. OB/GYN: $174,610
4. Oral and maxillofacial surgeon: $169,600
5. Internist: $156,790
6. Prosthodontist: $156,710
7. Orthodontist: $153,240
8. Psychiatrist: $151,380
9. Chief Executive Officer: $140,880
10. Engineering Manager: $140,210
11. Pediatrician: $140,000
12. Family or general practitioner: $137,980
13. Physician/surgeon, all other: $137,100
14. Airline Pilot: $134,090
15. Dentist: $132,660
16. Podiatrist: $111,130
17. Lawyer: $110,590
18. Dentist, any other specialist: $106,040
19. Air Traffic Controller: $100,430
20. Computer and Information Systems Manager: $100,110
21. Marketing Manager: $100,020
22. Natural Sciences Manager: $97,560
23. Sales Manager: $96,950
24. Astronomer: $96,780

Since Filipinos love to work in a high paying job AND likes to go abroad to work. This might help others in finding the right job for them and the salary of their choice.

It has been quiet for a couple of days in this blog because I’m busy learning things more about affiliate marketing. I just found a great resource that can help me improve my campaigns and its not free. I’ll just have to try it out first before blogging it here.

Anyways, I’m also messing around with offline stuff and I was being convinced into joining in an MLM (Multi Level Marketing) business a.k.a. pyramiding. Now, pyramiding is not illegal. Though most of them are. There are still some legit MLM companies out there. But this post is not about how to spot a scam MLM company but about how they sell.

A friend of mine in college experienced being recruited in an MLM company back then and when I told my story to him, he said that the “sales pitch” of these sales agents are all the same. We laughed and talked about it “Pare yan din sinabi saken noon eh, ganyang ganyan yun!”. Taking into account that this friend of mine got recruited 3 -4 years ago. If their not changing the strategy, it only means one thing, its EFFECTIVE! Let’s enumerate their sales pitch strategy a.k.a. marketing strategy that makes MLM companies (and even scam companies) successful.

MLM Sales Tactics

1. Rags to Riches. They will first start the conversation of what’s their situation years ago before they got into their MLM company. They will tell you all the saddest story from being a highschool drop out to a dog died experience. Just to make you feel that they are just an ordinary person like you that have their ups and downs in life. Of course, you will be interested to know that how this guy got to own a BMW if he’s just a high school drop out? On to our next tactic.
2. The Doubts. They will then tell you how they found the company and how hesitant they were at first. They will tell you that they are just like you that are skeptic and don’t want to spend money for the MLM company. They will blurt out the reason, “I have no money”, “I don’t trust the company because it might be a scam”. The sales agent is already putting his self on the customer’s shoes. He knows about the doubts and that builds rapport. This is a very good psychology because the people being persuaded to join might already be in doubt. The sales agent already did the work for them to clarify the doubts by presenting certificates of legitimacy, business permits, pictures of the president of the company shaking hands with a prominent figure.
3. The Hero Shot. This time, the sales agent will brag about WHO are the people already joined the MLM company. They will name names of celebrities, generals, political figures or people that are already rich. This will give the clients an idea of how “exclusive” this company may be.
4. The Opportunity. This is the fun part as most bloggers in the internet do this (me included). Post the earnings. This will give an idea to the client of the earning potential IF they join the MLM company. They will will show you Php100,000 check amount of money earned per day that its funny how we see our eyes got big but not bigger than the amount of money they have. They make it sound so easy by comparing it to a normal day job. They can earn Php100,000 per day and they will point that out compared to a normal day job. They will show you their BMW’s, introduce you to their youngest millionare teenager just to prove to you that its the shit. They will say to you that you are given an opportunity to change your life by joining their MLM company. This is a psychological tactic that makes the client feel in control. Now that the client is in a trance. It’s time for the next part.
5. The Challenge / Call To Action. They will flatter you. Tell you something like this “You, <your name>, you are intelligent, you know how to grab and opportunity when you see one. This is an opportunity that we are giving you, its all yours for the taking…”. This will most likely result to the person joining. Because no matter how hard they think, they will not see any reason why NOT to take it. The business is legit, check. Earning potential is big, check. Make it look easy to earn, check. This is how many people get scammed. They forget the fact that the reason why these agents want you to join is not about helping you. But its about the money.

We can learn a lot from their example as most of these principles are used in internet marketing.

I am not against MLM because I believe that its a really great marketing strategy. A lot of successful businesses started as MLM. It really opens opporunity for small players to do business. But the fact is, it is against my belief in business. Business for me should be for the long term, that even my 8th generation grand child may earn from it. In MLM, there is no way it could survive 10 to 20 years from now. Once the flow of sign ups stopped, the PYRAMID will shatter. And the ones that will get affected are the ones below. It’s not really helping people build a business, but a legitimate way to take someone else’s money.