Brian Therrien:   This is Brian Therrien with Michelle Toole.  Great, thanks for joining us Michelle.  In looking at your business and what you’ve done, I’d like you to go on and share with us, after you sought out a way to supplement your income and decided that it was going to be online, what was it that really attracted you to researching a vehicle online.  I guess that’s where I’m going at with my direction of questioning.

Michelle Toole:     Well, when you have an illness and you’re homebound your choices are really limited.  When I first started looking at the internet I had no interest in it.  And really wasn’t infatuated with it at all.  And, you know, but it became the only path for me to think about as a viable option to create an income for myself.  So, I started thinking seriously about the possibility of putting up a website.  And it started with the creation of the idea of wanting to create a book on how to get disability.  And then being able to disseminate that out to people in need.  And so again, the internet being a powerful tool that was the avenue I was looking for.  And it just so happened that as things happen in your life you kind of open to it serendipity happens and you come across people that kind of help influence your decision-making.  And I met some people.  I had taken a trip with my family to Ecuador and I had met some people that  really encouraged to me to take myself a step further and share my story online.  And to be able to broaden that and think of it as a business instead of just sharing my experience and sharing my book.  So, that was really the beginning of you know my interest in really fine tuning what I was going to do in building a website.

Brian Therrien:  You know for the audience that’s out there, Michelle won her disability benefits.  You won them on your own.  It didn’t take you very long did it?

Michelle Toole:  Six months.

Brian Therrien:  Six months.  So, and wrote a book about it.  And we had the opportunity to talk with Michelle about this a little over a year ago and since then several of our members have used the Practical Guide to Social Security, which is Michelle’s book to help them on their benefits.  So, if you’re listening today and are about to file, thinking about filing it’s a, I’ve read it and I think it’s fantastic and it’s worked for people.  So, we’ll provide a link to that at the end of the show here.  So, you know it’s, I have been a believer as an able-body person.  Often times I look at and I’ve designed my own life around the internet and everybody has their own different set of circumstances and limitations and disabilities, and the condition that you have whether it’s a you know a chronic autoimmune condition or disabled with a back.  But, the thing that I’ve always tried to stress with people when they’re pursuing, looking for something to do.  And actually when they become disabled in general is to not look at what you can’t do anymore, but look at what you can do.  Which I commend you that you naturally migrated to that.  But what people often want to know is what types of skills are required to build a successful online business.  I mean do you have prior skills or a computer whiz, or…….

Michelle Toole:  No, I think mentioned to you this once before I moved to the East Coast.  I was living in Arizona , and we had just gotten, before I got sick we had just gotten access to the internet through dial-up when the rest of the world was way ahead of us.  And we live out in the middle of a cow pasture.  So, we were way behind the curve.  I used the computer at my office for very minimal to basic things.  Really never was on the internet.  So, my skills were zip, zero, nil, none.

Brian Therrien:  Wow.

Michelle Toole: And my understanding of the internet was from a very simplistic position.  I viewed it as, you know you go up put up a website and everybody comes running to it.  And that was it.  That was all I knew about it.  And it was it was a whole education that I had to come to that there is a whole different kind of business world called E-commerce that you have to have an understanding with that has different consumer, and a different mindset than a traditional business plan in the bricks and mortar world.  So, yeah I had absolutely no experience whatsoever.  And a matter fact I don’t think even at that point I was buying any products online.  I don’t think I shopped at Amazon.  I wasn’t very familiar with much.  So, yeah very limited skills and very ignorant.

Brian Therrien:  So, you started with, would you say, basic or less than basic computer skills?

Michelle Toole:  Oh I’d say less than basic, but giving myself a little credit I can take a pre-structured program and figure it out.  So, you know if you give me a Photoshop program or you give me a Website Building program that’s a template.  I can figure those kinds of things out.  So, I have a mind for that, but not necessarily how you apply it in the world of the internet.

Brian Therrien:  Yep.  So, when you started the whole process the key thing that got you into this was finding something that as conducive to your disability and then you started expanding upon that with the content being your experience going through the disability process.

Michelle Toole:  Yeah.

Brian Therrien:  And that’s the foundation of how you started Healthy Holistic Living, right.

Michelle Toole:  Yeah.  The foundation was that with the e-book for the disability, but essentially sharing my experience with my health.  The emotional side of that.  The repercussions of getting sick to your personal self and your family.  And then options that you have to try and help yourself.  Focusing on health and focusing on living a natural lifestyle that is conducive to you know getting you in the best spot you can to be able to pull yourself to the next level as far as your health is concerned.

Brian Therrien:  When you started building your website that is now blossomed into one of the top 1 percent traffic websites in the world.  Congratulations.

Michelle Toole:  Thank you.

Brian Therrien:  What were you able to commit for time?  I mean, how much time could you put in?

Michelle Toole:  I would say that you know when you have an illness or disorder.  Your time fluctuates from week-to-week.  But, if I had to average it out, I’d probably put 5 hours a week into building my websites.

Brian Therrien:  That’s amazing.

Michelle Toole:  Yeah.  And there are times I don’t work on it at all.  And didn’t work on it at all for months at a time or even now sometimes as my health fluctuates.

Brian Therrien:  Do you consider your situation or your path. ..  the let’s focus on the ability side of it for a minute.  But, do you consider your path unique?  Are there others that have you know followed a similar process of you and have gotten similar or better results?

Michelle Toole:  As far as somebody with disability or as far as somebody just trying to create a business on the internet?

Brian Therrien:  I was going to say somebody first of all just trying to create a business on the internet.

Michelle Toole:  I think that with the right understanding of e-commerce and the right tools I’ve seen tons of people with success stories.  And when I say success I by no means mean that somebody’s making 30,000 dollars in a month.  Because that’s a bit of a myth.  That’s a part of…

Brian Therrien:  With the big mansions and the yachts and the nice house.  Yeah, oh yeah.

Michelle Toole:  Yeah, let’s erase the whole get rich quick scheme, all of that.  Because it’s just a myth.  It’s not true.  It really doesn’t matter, any business you’re going to start whether it’s on the internet or bricks and mortar.  It’s going to require some foundation work, some ground work for you to be able to build up.  A little time investment before your return comes in.

Brian Therrien:  So, would it be safe to say speaking to the audience out that if you’re in a position and you’re looking to turn some income really quick this is not the solution.  Would you agree with that?

Michelle Toole:  Absolutely.  And this is the way to build a business to supplement yourself for life if you choose.  Or make it your one source of income and get off of disability.  But, it’s a process and that’s something that has to be understood from the get go.  Anything on the internet, anything of business is going to be a process unless you can find an avenue where you’re working for somebody else online that’s going to be able to generate money right away for you where you are providing content or some other type of service.

Brian Therrien:  Right.  Yeah.  And on the other hand we can talk more about this later.  So, this is tailored for somebody that has got some time to invest as more of a long-term view.  And I know that there is a lot of people out there that have a lot more than 5 hours a week that you were limited to in the beginning to invest in the business.  So, that’s one of the advantages I guess for if you’re looking at this from that perspective.  You know there are a lot of folks that do have the time.

Michelle Toole:  Yeah.  I mean needless to say there are people that can get there faster than I have.  There is no doubt.  And there’s a lot of reasons why and choices and decisions and that could limit you one way versus another that are personal to me.  Somebody else..  I’ve seen hundreds of people that I’ve talked to in the forums for the company that holds the website SBI.  They do it in 4 or 5, 6 months.  They’re making a pretty good living.  And more power to them.  They have the time and the energy to do it so.

Brian Therrien:  I would expect the you know the rewards of just moving forward and doing something productive that can occupy your time when you want to have it occupied is fantastic.  That’s a big void I know a lot of people have is that just don’t feel that they are doing anything fulfilling.  So, that’s my take.

Michelle Toole:  Yeah, that’s huge.  And I know it’s a pressure that most of us feel that deal with a disability that aren’t part of the workforce.  We feel that pressure, societal pressure you can’t avoid and you do want to be productive on personal levels and social levels.  So, it definitely plays a huge role in just your overall health and well-being.

Brian Therrien:  So, I want to get into some of the nuts and bolts of how to get started and directions that you could give folks.  And you mentioned a company, SBI.  I don’t know maybe where it’s the best place to start is.  Maybe it’s with that or with the concept or did you find SBI before you started the site?  Or did you start a site and then use SBI?

Michelle Toole:  Well, I had the concept for a site and I actually started a little site for my parents that turned into a monster and did absolutely nothing and just sat there.  And, I actually was introduced to Site Build-It which is the name of the company for my father.  And ironically my mother had called me up and said Michelle you dad purchased this ridiculous program can you review it and tell him to send it back.  I just don’t want to keep it.  So, she sent over the paperwork, because apparently I became the computer expert even though I didn’t know anything.  And I looked at it and it was probably, it was an amazing kind of moment for me because I enjoy when I find people or when I find companies that resonate with how I like to live my life.  Following my passion with a kind of basis of ethics and honesty to them that’s kind of how this company resonated with me.  And it wasn’t that kind of same scam material that I kept coming across.  And I read the material and I thought my dad bought it I might as well try it.  So, I had to call my mom and say sorry we’re going to keep it.  And so, I kind of spent some time getting, reading over the material and kind of getting involved.  And I thought this is it, this is for me.  This is a path that not only provides me with really powerful business tools, but it provides me with an education that step-by-step guides me through the process just what I need.  And it takes out the things I don’t need to know.  Like all this massive technology that happens behind a website.  I don’t need to know anything about because they take care of it for me.  And unless I choose to learn about it, you know I can just leave it to the system and let it naturally happen.  And that is how I was introduced to SBI.  It’s kind of an interesting moment because I don’t usually kind of go for these packaged structured programs.  But, it was pretty profound.  And as I’ve come along I’ve actually talked to the CEO, President of the company and he’s an amazing person and the whole company is kind of an amazing tool that’s available to people out there.  And one of the things that struck me was the possibility of marrying this with other disabled individuals because it’s such a powerful tool and it’s been able to take me so far.

Brian Therrien:  That’s great.  So, Site Build-It was really the missing piece.  You had the concept but it wasn’t clear to you before, SBI had to put it altogether.

Michelle Toole:  No, it wasn’t.  And you know I really had what one would call an offline mindset and the understanding of how you do business.  99 percent of all websites that are built today and are published on the internet fail.  And there’s four main reasons why.  One is because they have what’s called an offline mindset which is when you’re building bricks and mortar store; you’re building a Pizza Hut.  The most important thing is your location.  People are always saying location, location, location.  And the online mindset is information.  Because the real vehicle on the internet what people really search for is information.  And I really didn’t understand that concept.  I thought you just put up products and people are looking to buy a TV, so they find you site and they buy a TV.  And that’s just not the essence of e-commerce.  People fail because they have no plan or they don’t have the tools, the fundamental tools to be able to achieve their goals.  They have the technical barriers.  And the fourth reason is just the extreme amount of hype and fraudulent behaviour out there on the internet.  So, to be able to come around and find a tool that kind of wiped all of those out and offered me an education about the new kind of e-commerce that I was getting into was really powerful.  And once I shifted that mindset and started to look at things a little differently and understand how you get people to come to your website and what I needed to do to achieve that.  It became really easy.

Brian Therrien:  Wow.  So, here’s what I’m curious about.  The, and I’m sure a lot of people are going to get into costs and all of that.  I’m sure that’s on a lot of people’s minds out there to see if this is indeed affordable.  But, one of the things that I’m curious about is you had the concept; you found Site Build-It that helped you put it together.  And there’s a lot of people out there that have ideas.  There’s a lot of people that write into us daily that are writing books or have other things that are online that they could put out as information that’s valuable.  But, does it mean that, Site Build-It could take basically any concept or business and make it successful or are there some general parameters in order to get visitors to your site, to your information that you need to be aware of when people are trying to come up with an idea?

Michelle Toole:  Yeah.  I think there are.  I think that once again it comes back to understanding what drives the internet.  If you’re not prepared in some instances to provide some content, some meat to your visitors other than products it’s probably not the best tool for you.  People have taken a million different paths on the internet to draw people into their sites.  Some of them are Google Ads to draw people to their site and their pages and their products.  That might be a better path to someone who just simply wants to sell one product or to be able to team up with another existing website to sell that product.  But, content to be able to provide people with content, if you’re not able to do that on a site.  You’re not going to get the traffic you need to be able to sell any products.  So, it doesn’t meet everybody’s needs, no.

Brian Therrien:  So, you really have to have a good story to tell.  Something that’s riveting.  Valuable.

Michelle Toole:  I don’t know if has to be a good story.  I know that you can do a site on crocheting and make a lot of money.  If you write the content and give people what their looking for.  I think that the basic premise is that you find a problem or a need and answer that with information and then follow that up with a product.

Brian Therrien:  Amen, yep.

Michelle Toole:  So, plenty of people have sites on knitting or crocheting and do phenomenal business and it just happens to be a hobby that they’ve turned into a business and been able to produce different types of templates or whatever you would do for crocheting and for knitting.  So, yeah it doesn’t necessarily have to be a story per se.

Brian Therrien:  So, for people that are out there and are looking for ideas.  Is there any you know brainstorming tips that you could share with people?  You know, not everybody’s going to be build a site like Healthy Holistic Living.  But, a lot of people have things that they have an area of expertise in.  What tips or advice could you give to people?

Michelle Toole:  Well, one of the best things again is passion.  Hobby, passion, interest.  Going through a brainstorming session with yourself.  What have I been doing with myself for the past 5  years?  What are my hobbies?  Asking friends and family their perception of what your hobbies are?  And what your interests are?  Because really those are the things you’re going to follow through with.  If you do something you have know interest in and it’s foreign to you, the likelihood of you actually following through with what you need to do get a successful website is pretty minimal.  One of the things that I like so much about Site Build-It is that they take you from exactly this point we’re talking about which is Step 1.  How do I know what kind of site to build and they walk you through some brainstorming techniques and some different ideas about how to stimulate those thoughts in yourself and they discuss things like finding, pairing your passion with problems that exist.  Like you have with individuals that have disabilities that are trying to get on disability benefits or find work.  You found a problem, you’re providing solutions.  And that’s exactly what you’ll pair those passions up with.  And again it doesn’t have to be so obvious as a disability it can be about crocheting as long as there are numbers to match that.  And that’s another tool that’s Site Build-It offers which essentially you absolutely have to do.  Is go into building a business with an understanding, is there a demand out there for what I want to provide?

Brian Therrien:  And how do you find that out?

Michelle Toole:  They have a tool called Brainstorm.  There is another tool on the internet called people use called Word Tracker that is paired with SBI’s tool.  Where you key in different terms and you get back numbers.  You get back basic numbers are your supply and your demand and your value.  And the way you break it down is that, let’s say I key in something about disability.  There might be 3,000 people for that particular sentence I key in looking for that term each month.  And then they tell you that there is 1,000 websites out there that answer that statement.  So, that is a fairly valuable statement to put on a page or keyword.  So, what the brainstorming tool does is help you refine your concept and make sure that words and the terms and the concepts you have that are going to drive your website have a demand associated with them.  There is a number of people in a targeted audience that are looking for those terms on the internet.

Brian Therrien:  So, what you want to avoid is putting up a page or a concept that there is no interest in?

Michelle Toole:  Yeah, I mean if you pick something on an obscure poet.  You know, the 1800s or something that only 50 people a month look for, it might be fun as a hobby, but it’s not going to make you any money.

Brian Therrien:  So, what helps you fine tune what you can do for an idea?  And I know that your advice is great.  Is to think about what you’ve been doing for the last 5 years.  That’s a great way to start.  So, then you can use a tool that can go in and show you what type of action or traffic would be available to visit your website, right?

Michelle Toole:  Yeah, under those terms.

Brian Therrien:  Under those terms.

Michelle Toole:  Yeah.  And it will also give you broader searches.  So, it will give you terms you didn’t even think about.

Brian Therrien:  Okay.  And then you know like everybody wants to get those visitors to their website and share their story so that they can have a successful website like you have.  So, from there if you’re working on a disability budget and you don’t have a big advertising budget.  Like using pay per click traffic.  How could you, how can you get traffic to your website.  What are creative low-cost ways that you know that you’ve learned through SBI or others that you could share with us?

Michelle Toole:  Well, I can tell you what I don’t use anything other than content to drive traffic to my website.  And I get, I just peaked at it 2,000 visitors each day coming to my website the other day when I took a look at it.  So, you’re talking close to 60,000 people around the world that visit my website on a monthly basis.  And I don’t solicit.  I don’t advertise.  I don’t do anything other than draw organic traffic through the search engines.  Now, there are other things you do when build a website.  Like, I may go and put up a blog post on your blog which helps drive traffic to my site.  I might post on many different blogs throughout the internet.  But there are alternative reasons I do that as well.  More or less along the lines of monetization or making money.  But, basically I personally have chosen not to do anything otherwise that to buy any type of advertising or way to get traffic to my site other than making content.  Which just simply means that the more content that I write.  The more pages that I publish on the internet that have a demand in the search engines, the more people come to my site.

Brian Therrien:  Okay.  So, we get the idea.  We understand how to validate it.  And by putting content up people find you.  Now, can you just take us one step further on that?  Do they find you by searching?  And what might be an example of how somebody would find you if they didn’t know your actual website?

Michelle Toole:  Well, it’s through keyword searches.  So, if somebody is looking for something for a disorder.  Let’s call it Postural Tachycardia Syndrome which happens to be the disorder that I have they might key that in because my website is an established high-ranking website.  I’m likely to come up on page 1 or 2 of Google for an article on Postural Tachycardia Syndrome.  People don’t land on your homepage often.  They’re coming to your site from all the various articles on the various topics that you have.  I have, one of my most popular pages is on Monosodium Glutamate (MSG) and that drives you know easily I would say 500-600 a day to my site, one article.  So, it doesn’t have to be a massive truck load of content that drives people to your site. It just has to be the right content that drives people to your site.  So, yeah any of the search engines you can key in certain content.  If you key in search terms, you key in the term Holistic Living, I will come up on page 1 of Google.  I think of maybe out of a million other sites I’m number 1 and I’m considered what they call an authority site on Holistic living which means they put up several of my links on the first slot there, so.

Brian Therrien:  You do seem to be everywhere.  I’ve noticed that if somebody types in Disability Digest they’ll even find you on that page.

Michelle Toole:  Yeah.  I think I snuck upon you.  I’m number 3.  I’m trying to bump you.

Brian Therrien:  Good! Well, that’s sound information.  There is a process that Google goes through and looks at your web pages and says yeah this is good and puts it in the search engine and people find it.  I mean what’s, I mean if you were to start and put up a page that met some general criteria today.  What’s a realistic expectation to get it so that it would start generating some traffic?

Michelle Toole:  Well, if I put it up on my Holistic website, my Healthy Holistic Living website I could easily have it in 3-4 days posted and be on one of the top 3 pages.  If it is a high value keyword search term.  That’s absolutely realistic.  But, that’s because I’m an established site that has proven over and over and over again to Google that I’m not going to stop producing and that I you know I’m a viable resource.  On my new website I hosted.  I just started that website not long ago.  I think it was the end of May maybe.  And I can post an article now and it gets what we call indexed very quickly, which means that Google has it in its search results or Yahoo or Bing.  But, I’m not going to be on page 1, 2 or 3 right away.  So, it’s a 6 month kind of evolutionary process where they want to see if you’re going to stick around as a website.  Now, I am for about maybe 25 terms on page 1, 2 or 3 of Google for that new website.  But, it takes a little longer with a newer site.

Brian Therrien:  So, if somebody’s starting new, they’ve got an idea out of the box.  They’re doing a crochet website teaching people how to crochet are disabled.  Let’s say that, that is the business niche.  If somebody was to start that is there, is there some general...  Well, let’s do it this way, let’s say you were to start it with the system that you have that people can duplicate.  They all know what it is now.  And go out with something new that they didn’t know was Michelle Toole behind it but they knew what it was.  How long would it take to start in that example?

Michelle Toole:  Okay, say that again one more time.

Brian Therrien:  So, somebody was going to do teaching people how to crochet, teaching disabled people how to crochet.  Let’s say that is our market niche.  So, where I’m going at is an example for the people in the audience that have, that are starting from scratch.  And we’re going to use this as an example and they start putting up a page or two.  Or whatever it is a week.  And that example how long would it be or would it be different than the example that you just gave us for somebody to start seeing visitors come to their website?

Michelle Toole:  Well, you’re likely.  It’s going to take; you need 30 pages up to kind of have the search engines start taking you seriously.  And that’s kind of the process that SBI walks you through.  They try to get you motivated and try to encourage you to do.  You know encourage you to get those 30 pages up.  And that is including your homepage and a contact us page.  You know it’s not 30 huge pages of you know reams of content okay.  It’s just 30 basic structural pages to your site and a certain path.  Certain way to structure it so that the search engines and little spiders in the little box that they send out to read you site appropriately to get you going.  So, it’s going to take 30 pages.  So, it depends on how long it takes you to actually get moving.  Now, I did the second side and of course I had already did content before I published it.  I was prepared to get pages up and I think I put up 100 pages relatively quickly.  But it was a plan, a structured plan.  And I new I would get indexed very, very quickly and that so in a month.  In the first month I was seeing easily 30 people a day.  So, right now we’re a little a hundred people a day for that site.  And let me remind you that the majority of internet pipes out there today only the top 3 percent actually get more than 50 visitors a day.  So, most websites don’t work and they don’t know how to drive traffic to their sites.  So, when you hear you’re getting 50 visitors a day.  You’re doing really good at building a website.  So, it would take somebody I would say if they get 30 pages up in the first month and say still within the 6 month timeline they could be generating income.

Brian Therrien:  Okay, so let’s go to the next step.  Just one more question on this.  This is great a step-by-step process.  So, what’s realistic for somebody to get started and have you like a 6-month plan before there is going to be some gain right.  You’re going to be going through the learning curve, putting up some pages.  So, let’s say it’s even a year, fair enough?

Michelle Toole:  Yeah, that’s probably a little bit longer that it needs to be, but yeah.

Brian Therrien:  Okay, let’s be ultra conservative and say it’s a year.  And if it’s a year and you’re putting in, you’ve got moderate computer skills.  You’re going to put in say 10 hours, 15 hours a week.  That could be done, right?

Michelle Toole:  Absolutely.

Brian Therrien:  Okay, good.  So, now let’s go to the next step.  If you have a website that is teaching people that are disabled how to crochet and you’ve got visitors coming to it and they’re reading your information.  How do you get money in the bank for doing that?  What ideas, possibilities or general concepts are there that you could share with people that they want to look for?

Michelle Toole:  Okay.  Well, first of all take a step back.   One of the reasons SBI teaches you to take the path you do is when you write content and it’s very specific about a certain niche or topic.  The people that arrive at your website are what we call targeted traffic.  Which means they came there looking for that exact specific information that you are providing.  So, you have already got an isolated audience.  Just like someone walking in the store looking for that pack of gum you have and they want.  You have a very kind of what we would call pre-sold visitors.  Which means that this is a interest to them.  They’re here for a reason and you have the information they were looking for.  They’re happy they found you.  So, they’re already kind of there and waiting to be sold to.  And so that’s where you do what we call monetize your site.  And you can do that in millions of different ways.  Which you do and I do and sometimes people do it subtlety and sometimes people do it in your face sales.  But, monetizing your website is when you add various programs like affiliate programs or Google ads which we’ve all seen which are the blue ads that sometimes we get frustrated and annoyed with.  They have in content text linking ad companies.  I mean there is a million ways to be able to monetize the traffic that’s now coming to your site.  Somebody that is disabled and wanting to learn how to crochet coming to your site, the last thing you want to do is have an ad for TVs on your site.  So, you want to make sure that you are meeting the need or the interest of the reader that you have and you know that reader well because they came for exactly what you have and what you’re interested in.  So, it’s just like you bumped into each other in a cafe and you both have crocheting in common.  So, there are a million different ways to be able to monetize that.

Brian Therrien:  So, in this example if we are teaching and have strategies and ideas for people that are disabled to crochet.  It could be different ads that are on the page and when you say affiliate links for those that don’t understand affiliate links.  Could you give us a quick explanation?

Michelle Toole:  Sure.  Affiliate links is a link to..  I’ll give you an example of my book on disability that I made.  I sell it directly to the public and I also have what you would call affiliates, people that sell it for me on their websites.  And they have a link from their website to my website and it has a tracking code in it and every time they make a sell off of their website my e-book, they get 50 percent of that sell.  So, there are millions of affiliate programs out there from K-Mart to the Disability Digest to my e-book.  That you can place on your website or advertise.  So the crochet website might advertise you know different types of materials you need to crochet and a store that you can get that from and every time someone clicks on that ad they’ll either get paid per click or they might get paid per sale which is being an affiliate of that company.

Brian Therrien:  So you could put a little ad on your site that says if you’re learning how to crochet and you haven’t been approved for disability check out Michelle’s Practical Guide and then when somebody went over there they’d earn 50 percent commission to the website order, right?

Michelle Toole:  Right.  And it’s just like I have on my website I’m an affiliate of the Disability Digest where I have a link because if you want to know everything about a disability click here.  And every time I do that I get paid an affiliate fee from Brian.

Brian Therrien:  Thank you.

Michelle Toole:  Yeah.  And it’s actually a very nice affiliate fee.  So, when you do your research for affiliate programs that you’re going to put on your website you’re going to look for ones that pay you the best.  That come from companies that you feel comfortable with and that are reliable and have a good history on the internet of paying their affiliates.  That’s just one of a million different ways to monetize.  You could you know you could go think out of the box.  I mean you could make your own templates for crocheting and sell them yourself.  You could link to somebody on E-bay that has a store that sells and make money.  You could make all these kinds of private deals.  I tend to; I do work with some large companies.  But a lot of times I tend to work with one-on-one with people and get on the phone and make relationships because I kind of sense that’s how I do business.  I sense people out and want to know if I want to be affiliated with them.

Brian Therrien:  You know, this idea of teaching disabled how to crochet actually is kind of exciting because what one could do is have a business of teaching people how to crochet and sell their products to supplement their income, so they could maybe create patterns of things that are most commonly purchased crocheted items.  I don’t know the business at all, but I know that it’s certainly possible.  You could have the tools that they could buy, patterns and they could, somebody could get a little kit and start crocheting, build 3 items a week, sell them for 60 bucks and be on their way supplementing their income.

Michelle Toole:  Right and you’ve just built your own store at the same time you’re making money selling the products.  You’re making money referring people to my e-book and you’re making money referring to Disability Digest and you’re making money because you have Google Adsense ads on your site and people click on those.

Brian Therrien:  We’re on a roll.  Okay, well that certainly clears that up for people.  What do you want to talk about next?  Is there anything that we missed that you think that would be helpful for the audience to know relative what we’ve gone over?

Michelle Toole:  I think there’s a couple of things.  I mean there’s a lot of… I keep going back to the scams on the internet and I really encourage anybody that really is truly interested in starting a website to take the time to become quite educated about what e-commerce is.  Brian will have a link for you to SBI and they’ll give you all the free information.  You don’t need to buy anything.  They have some really powerful e-books that you can download that educate you on what the world of the internet is doing.  Explain to you exactly what process you need to go whether you go with SBI or another company to really make a living on the internet and what you can expect.  And you know I’ve said it a million times and in a million different ways, information is power.  It takes the fear out of things for us.  And it systemizes it for us and helps walk us through the process.  And so, I encourage everybody to take the time that wants to do this download those books.  I think there is even one on there called Make Your Site Sell that’s about a 1500 page e-book.  And it’s all free.  The premise of this company is and what they’ve realized a long time ago is that first of all the basis is they really want to get people to understand there’s no such thing as a get rich quick scheme out there.  There is kind of a guiding principal for the company and they believe in giving and then that’s how things work and you get in return.  And so, his theory is to put the information out there.  The other thing is that he finds that most people tend not to follow through a lot of us are dreamers.  So, it really was irrelevant whether he put it out and he charged or didn’t charge.  You know, the people that were going to take advantage of it would consider SBI and the people that weren’t that’s great you know they go on their way.  So, there are some powerful tools that I think that anybody could use.  If there are people in the audience right now that have websites that are interested in going a different route it will help you with you existing website to better understand what things you need to do to at least start driving some traffic to yourself.

Brian Therrien:  So, what you’re saying is without buying anything you can go over to SBI and just really start the research process for free.

Michelle Toole:  Yeah.  Absolutely.  And download all of the books.

Brian Therrien:  Download all the books.  Okay, so….

Michelle Toole:  Yeah, that’s education.  That’s also an action guide which is the tools that they provide you to walk you through the whole SBI experience.  If you download that it’s going to give you, one an idea of what you’re getting into if you’re interested and two, what it really takes thoroughly takes to build successful websites.

Brian Therrien:  Okay.  You know the next thing I want to speak to is a lot of people want to know what the realistic expectations are for a return on their investment.  You know the, and we’ll talk about how much money you can make and keep your benefits and all that exactly in a moment.  But,  is it realistic with the crochet example that we used for or another example if it was well researched out and put together and the process was followed that somebody could earn 500 dollars a month, 600-700 dollars a month?  And if so, what would be a realistic time frame for somebody to expect that if they really executed properly?

Michelle Toole:  If you could put your blinders, which is a huge problem because there is so much static on the internet.  If you put your blinders on and trust a process and commit to it and can put those, even if you only do 5 hours a week put those into it.  You can move pretty fast on it.  The cost, you’ll certainly make your money back on what you spent because it cost less than 25 dollars per month even though they only sell it for the full price in the beginning.  But, realistically I could say in 6 months you could do  300-500 a month executing it properly.  Not meandering off on various paths and following different instructions here and there.  I think in a years’ time, I don’t think it’s realistic to say you’re going to be making 2,000 dollars a month in a years’ time.  I really don’t, I think that you can go to 700-1,000 in a years’ time putting hard work into it.  And beyond that once you peak off from that years’ time.  I think it is unlimited, I really do.  I think there is something else, and this took me awhile.  I’m not the fastest when it comes to thinking about the choices I’m going to make sometimes.  And it took me awhile to make a decision if this is a path I wanted to commit to beyond my original website.  And when I started I said I would absolutely never ever, ever, ever build another website.  And I realized that was just a matter because I was so ignorant.  I didn’t understand e-commerce and what I was getting into.  One site is totally educated to me now, it’s unlimited.  And in my perspective is now, my goals is not to build mammoth websites.  My goal is to build small websites that provide quality information and that make roughly about a $1,000 a month.  And so, I am you know I’ve started my second one.  I’ve you know already purchased the domain name for my third one and have a goal of having 5 sites you know in the next year.  Because I can easily see a $1,000 a month off of each site.  And that’s a whole lot easier for me to see something like that instead of seeing one site that makes $5,000.  You know, so that’s the path I’m choosing because I have a better grasp on how things work.

Brian Therrien:  But, you sites are interrelated in a way, right?  I mean they’re not…..

Michelle Toole:  That’s the goal, although I’m going to sway from the path.  My third site is going to be debt relief strategies.  Which I think can still be interrelated.  I believe that is a part of the health crises for all of us.

Brian Therrien:  Number one cause for bankruptcy in the U.S.

Michelle Toole:  Yeah.  So, I think it’s I think that all sites in some way, shape or form are interrelated and we can do that crossover realistically.  You know my guiding principal is just so it has a basis, ethical and I’m honest in anything that I promote on my site.  I’ve tried and I value.  So, and it seems to work.

Brian Therrien:  Well, this is encouraging.  So, just to make sure that I’m locked in on it.  So, if you looked at running a business and you really had your blinders on.  Six months, if you really executed well you would be in the 2, 3, 400 dollar a month range, right?

Michelle Toole:  Yeah.  3 to 5 you know.  I think you….  That’s realistic if you’re working at it.  If you’re not working at it.  It depends on how tenacious you are and that’s with anything.

Brian Therrien:  Yeah.  And you’re going to have the start expense about 25 bucks a month is what you were saying to use the whole process, okay.  Well, that’s certainly reasonable.  Okay, great.  Well, that has been very helpful.  You know what I’d like to do now is I want to.. I collected some questions a lot of questions actually.  But, I kind of shook them down to go out.  I’ll just pull them up on the screen here.  The first one that I have here really kind of sums up everything.  This was a well written note from Francis.  It says, thanks for inviting me.  I’ve been looking into this for a long time even prior to being disabled I’ve invested into several companies over the years and they are pretty much all misleading.  Even some legitimate companies will try to lure you stating that you can have you know your own business for as little as 25 bucks a month and they don’t tell that the 25 dollars is a distributor fee.  Blah, blah, blah, blah.  So, and this was really a consistent tone that was out there and the biggest obstacle which a lot of other people will share is really what marketing techniques do you do?  Where do you start?  What do you do next?  And how do you know what to go on to next?  So, the answers that you’ve gone through you’ve really painted a clear picture of you know coming up with the idea, going through the traffic,  writing the content, etc.  So, I commend you.  I hope Francis is pleased with what he’s heard.  So, let’s move on with a few questions.  How do you get started?  What type of business so you choose?  I think we’ve covered that pretty good.  Unless there is anything else that you can think of.

Michelle Toole:  No, other than you know and my guiding principal is just passion and what makes you happy is going to get you the furthest in life.  No matter where you’re going or what you’re doing.  If you start with that you can’t lose.

Brian Therrien:  Yeah.  And my take for that as well is to go back to the advice that you gave is really see if building an online business is something that is conducive to your learning curve.  And, cause really I mean let’s say that for example people out there.  Everybody is starting from zero.  You’ve got to be able to learn the process, have the patience to do it and absorb it and go through it.  And if you can it’s like going back to school.  You can do it.  So, that’s key.  Zero income is the limitation for a lot of people to get started.  So, the first thing that you shared with us is you can go over to Site Build-It and do your research for free.  And there’s a lot of other tools up there that you can start learning and researching or free.  You can stay tuned into our news channel here.  Hopefully you will share some more tips with us over time.  And we’ll provide some more guidance for people to get started.  So, you can really get started for that.  Some other ideas that I have and maybe you’ve got some more to share as well is that if you have a really good business plan that’s put together.  You know, it’s baked.  Meaning that you’ve got the idea, you’ve got the traffic; you know exactly how to do it.  You’ve got it all in writing.  And you bring that in to Social Security and apply for a Pass Plan you’d have a shot at getting a Pass Plan which finances your business start-up.  Pass Plans have been used for… they’re used pretty much to get people from a negative tax situation back into paying taxes.  And they are getting very creative with them now because I think Social Security is really starting to wake up and you know see that self-employment is really a viable way to do it.  So, if you have no money and that is your road block.  That’s a great way to do it.  There is also the course that we have with Andy Leaf of how to start a business with no money down.  There will be a link to that at the end of this.  Is another great way, he’s got other ideas where there is incubator grant funds that you can go out and do that.  So.  And the other thing that I’ll say to people point blank is if you’ve got a good plan and it’s out there the Disability Digest would look at it pending that it has something to do in the range of our example that we talked in the disability realm.  If it teaches people that are disabled how to knit and supplement their income maybe we would join venture with you on it.  So, those are some avenues that could help you get started.  Anything else you can think of Michelle?

Michelle Toole:  You know the Pass Program is really the only one I’m familiar with to be able to get the grant per se or privately joint venturing which is really a viable option for some people.  You know, do a percentage of the business.  And if you find the right person certainly there’s a lot of people that would be willing to do it.  Especially if you take care of the website aspect.  So, the other thing is , just to throw this out there.  I meant to mention earlier is right now and I’ve done this with people before.  SBI is running a sale and they extend through September 9^th where you can go in with somebody else and actually purchase 2 websites for $399.00 for the first year.  So it will only cost $200.00 each instead of $299.00.

Brian Therrien:  Wow.

Michelle Toole:  You look for times of years where maybe there’s an opportunity that’s a little more cost effective for you.  There’s different ways you can do it.  I know we’ve all been in this boat.  I’ve been in it too.  I was lucky enough to have my father to walk down the path and pay for it, you know.  And my mom begged to have it returned.  I did pay him for it, eventually.  But, you know it is tough when you have absolutely no money.  But, it’s one of those things.  If it resonates with you and you read the material.  Sometimes it’s worth venturing forth.

Brian Therrien:  Well, you know I tell people having a solid business plan and using a product like SBI is a lot less expensive than failing.

Michelle Toole:  Yeah.  You know when the bills are mounting you’ve got to do something.  And taking action is the first step in resolving anything.

Brian Therrien:  Yeah.  I mean if you’re going to go out and look for a job or do something to supplement your income.  You can go to Brokeryhead and get help with resumes and all that stuff.  But at the end of the day you’re going to burn up time, effort and energy.  You have to really put that down on a piece of paper and say okay.  You know what’s my best option.  So…

Michelle Toole:  And just to throw out there, I always, whenever I do budgeting whether it’s for my personal self or out in the world when I’m talking to somebody else that’s looking into investing in business.  There is an emotional component to everything.  And that has a cost associated with it.  Which has a trickle down effect to our health.  So, it always come out of our pocket.  And if this is something that is really affecting you personally on a level where you need to make some movement.  It’s best to take action, you know.

Brian Therrien:  I want to make sure that I understand that.  So, you’re saying if this is something that really affects you that you should take action?

Michelle Toole:  I do think so.  I personally think there’s an emotional equation to everything.  I think that always comes back to our health and our personal well-being and satisfaction.  It’s not producing, if not being a producing viable member of the society from your perspective is something that is harming you emotionally, if it’s harming you physically.  Then we need to take action on it.  And what that is actually putting into forth the effort of creating a business plan and then going ahead and investing the money.  It might not be within your means for the moment, sometimes that’s the best thing to do.  Sometimes we have to let go of the one swing to grab another.  And I’m not advocating you know irresponsible finances by any means, but I do believe sometimes taking action is the only way to make movement.

Brian Therrien:  Yeah.  Hard to make a change without it.

Michelle Toole:  Yeah.

Brian Therrien:  Here’s a question from Renee.  What it boils down to is how much can I make without losing my benefits?  There was a second part of this about paying taxes, but let me go through the short story on this.  If you’re on Social Security Disability the SGA which is Sustained Gainful Activity Income Amount is $980.00 a month.  So, you can earn up to $980.00 a month and still keep you benefits and you can do that you know pretty much every month.  Now, there is also a few other things.  That is if you’re self-employed then you can take into consideration any cost of doing business.  So, if your website generates $980.00 a month then you have to pay $50.00 to rent it then you are only at $930.00 a month and maybe you need some other work related expenses or impairment related expenses.  There’s a lot of tax breaks and benefits people aren’t aware of because frankly a lot of people with disabilities don’t work.  Less than 1 percent do.  But there are a lot of tips out there.  So, there will be a link at the end of this that you can go in and figure that out.  If you are visually impaired it’s more it’s $640.00 a month I believe.  So, then the question becomes, well what if I have a good month or so.  What do I do and how do I run my website accordingly?  The advice that you know that I’ve kind of boiled everything down to from Andy Leaf and speaking with those at Voc Rehab and those that you know help in advise people from a legal perspective on this is that just start making money first and when you get to the 300-400 dollar range.  Then go into the course about how to start a business with no money down and listen to Andy Leaf about using a corporation.  And what I a corporation will do for you is you will set up your business or you will change your business so that all the monies are paid from your business from your affiliate account and sales that you make into a corporation.  And your income is going to be judged based on the check that you take out that corporation.  So, if your website does $1500.00 in the course of a month and you take a check for $980.00 a month that check goes against your social security number.  But the $1500.00 goes into the corporation does not.  So, that allows you to deal with the peaks and valleys of your business and maximize the expenses etc.  So, the key think here is that you’ve got report all of your income.  There is no value in short-term, long-term and making any money and not reporting it to Social Security.  But, there are also tips and strategies like these that are out there that you can use that will help you maximize your benefits.  Taxes.  Did you have another question on that?

Michelle Toole:  I was just going to throw something in if you didn’t mind.

Brian Therrien:  Please.

Michelle Toole:  One of the things to keep in mind.  Most of the time in this business you get paid when you reach a certain threshold.  So, you do kind of know in advance on a certain month how much money you’ll be making at least for the most part the next month on average.  So, I know a month in advance.  And right now I haven’t decided to do the corporation.  But, what I do, do is take any additional money that I anticipate and I reinvest that back in the business.  I pay, I outsource my work.  I pay writers to work for the next month to write articles for me.  I purchase another website.  All of this with the goal in mind of creating enough business ultimately to be able to get off disability.  So, just reinvesting back into the business is just another option if you’re not quite ready to go ahead and establish corporation.

Brian Therrien:  Good point.  So, you just show that as an expense.  So, what you’re judged on is what you net, right?

Michelle Toole:  Yeah, absolutely.  On a monthly basis I do that and it’s anticipating the money I’m going to receive.  And some months I’m over and I report that and that’s the way it goes.  There are other months that I know exactly what I need to spend.  And it is all about, what I began to realize that it’s about building a business took a lot of the fear of it for me.  I’m not trying to get around or manipulate what’s happening for me.  I mean I just spent 3 months not doing any work whatsoever on my websites because of my health.  So, you know the issue is still my health as a priority.  But, you know I’m building a business and I have my future to think about that.  And as a business person I’m going to reinvest in that.  So, yeah I reinvest in it and a lot times I will buy products that I test and I review.  There are a lot of ways to be able to keep the information fresh in your head to provide content for your website.  As well as, watch how much money you earn.

Brian Therrien:  Great.  Okay, you might be better qualified to answer this one that I.  When do you start filing your taxes?  Well, the question is when do you start filing your taxes.  I think I know the answer, but I wondered if you had any input.

Michelle Toole:  Yeah. You know I don’t remember the exact number.  I absolutely file.  You know, because I have a loss at times and then there’s also the expenses associated with the business.  So, and there may be taxes to be paid.  So, I can’t remember what the cut-off is.  But I just go ahead and do it file and you can do it on a prestructured free program and it will tell you whether you should file or not.

Brian Therrien:  Okay.  Great, yeah.  Yeah, certainly I’m not a tax expert.  I do know that you do need to file.  If you’re filing individually it’s based on $25,000 dollars of income or more or jointly $32,000.  But, please consult a tax expert.

Michelle Toole:  Yeah, if you’re writing anything off at all whether it’s for disability.  I think you have to as a business owner.  So, definitely have that checked out by a tax specialist.

Brian Therrien:  Working while waiting and building a website business.  I wanted to touch on that.  First of all, this even created some working while waiting.  And I bring that up because if you’re still in the approval process for disability and you’re doing any work it makes it very difficult to win your case.  Although, Social Security says you can apply and go through process if you’re earning less than $980.00 a month.  However, when they look at those cases it just raises a flag and they start asking questions.  Well, if he can work a little why can’t you work a lot?  So, what I’ve learned from the disability representatives out there is really if you want to win and win quick you should really not work.  So, that being said if you’re going to do some work.  Starting your research and setting yourself up for the next stage of your life is certainly something that you can do with this.  What is commonly not advised is to do something that is glaringly apparent and out there in the public.  So, this is the advice that I have received from representatives. It’s not the world according to Brian.  So, hopefully that makes some sense that researching and learning and starting your website is certainly fine.  That is different than going to work 15 hours a week down at the corner store.  We talked about this already, but this gentleman wanted to know how to identify a truly good online business?  Which is going back to what you’ve done the last 5 years.  The passions etc, correct?

Michelle Toole:  Right.  And let’s just for those people out there that are starting with no money.  You can go, I don’t know the website name, but there’s just key in Word Tracker on Google it will take you to their website.  They have a free; you can do so much research for free.  I don’t know how many maybe the first hundred keywords or so to find out what the supply and demand is for particular keywords.  So, if your passion is crocheting you know teaching crochet to this disabled and you key that in and there is really no value associated with it.  That’s a quick way to start identifying if you need to tweak your interest or what online business you would like to approach.  So, I think that’s a quick resource.  You do have to end up paying a fee if you want to……

Brian Therrien:  Here’s a question.  This gentleman would like to know ..how do.  Steve Fisher would like to know how do you build a business that you’re not locked into you know the same ways of collecting money?  I guess he apparently doesn’t want to collect money.  So, how would you address that?

Michelle Toole:  What do you mean same ways of collecting money?

Brian Therrien:  Well, you might you know and I think I understand what his concern would be if you’re selling something and you’ve got to be responsible for collections to determine your income.

Michelle Toole:  Absolutely.  There’s a great way to avoid that.  You just don’t sell any direct goods.  Or you use somebody in between.  I use PayPal.  Brian I think you use PayPal.  They manage the purchases for you.  So, you’re not doing anything cash or check.  It’s all electronic they don’t get the product until you get the money and so you can put a delay on that.  You’re going to have a little bit of loss here and there, but it’s really nothing to speak of or be too concerned about.  Or you could just eliminate it and not sell any goods directly.  Just simply put Google ads on your site, be an affiliate.  There’s other companies that do what we call drop shipping that you can advertise their products and they do all the shipping and they money handling and so on and so forth.  There’s a ton of different ways where you don’t have to worry about the money and you just end up with it in your PayPal account.

Brian Therrien:  I like the train of thought though.  Avoid the collections part of it.  Francisco asks a question will the turnover in able me to pay my debts?  You know we talked about a solid example of you know $300-$500 a month, $700 a month.  So, you know I guess will have to let you be the judge of that depending on your own situation.  But, I will say this if the average disability check is $1,000.  So, if somebody has an extra $500.00 coming into the household that’s usually, I would expect that to be a game changer.

Michelle Toole:  I’m telling you when it was $200.00 I was happy.  You know I did $30.00 when I first started and got my first 2 cents from Google Adsense I was thrilled.  So, anything that was in the plus column was a good thing.  Just a note on what sites in e-commerce.  One of the great things about taking this avenue as far as income goes is that if your health as with chronic illness we go it fluctuates and you can’t produce and cannot work for 3, 4, 5 months at a time the great thing is that you still make money.  You know, and I call that passive income where when I didn’t do anything on my website.  It actually was making more each month.  So, it allows a natural fix for those of us that are challenged and have fluctuating health issues that we’re not going to lose our money just because we’re not working those 15 hours.  Once you reach a certain point it’s on autopilot.  Now to maintain it over a long period of time you need to put into it.  But, it can survive 3, 4, 5, 6 months without much contribution on your part and still provide a good income.

Brian Therrien:  Great.  Okay.

Audience Member:  Over there.  Okay, good.  Yeah, I’m Archie Andrews.  My question is about affiliates.  I mean…  which was a total disaster.  I’ve never seen such junk.  What other ways are there to contact people to say that you’d like to be an affiliate?

Brian Therrien:  What’s your business?  What kind of business are you in?

Audience Member:  Well, it’s basically fishing and fishing products.  I do you YouTubes and Blogs and every now and again I’ll write something about a list of products like lures or bait or something like that.  It would be nice if I could have a link to say Fish Bites saying go look at their site and get credit for it.  But, I haven’t been able to find any way to contact them.  They’re on Facebook, but they are not getting back to me.  Bass Pro Shop if you don’t sell anything in 6 months they start charging you a monthly fee.

Brian Therrien:  Wow.

Audience Member:  So, it’s almost like going door-to-door.  Is there an easier way to establish an affiliate relationship with someone?

Brian Therrien:  Michelle?

Michelle Toole:  You know, it’s funny door-to-door actually works the best.  You know, it is something you do have to put a good amount of time in if you’re having a hard time establishing those relationships.  I know Brian does a lot of one-on-one.  You know he sends and e-mail and that’s how we met.  He sent me an e-mail and I called him.  You know and he just come across sites that with resonate with you and you need to send them an e-mail.  Sometimes they don’t answer back and maybe that’s somebody you don’t want to do business with.  But, you know a lot of times the best way I find things is going to other websites on the same exact topics that I’m on and find the affiliate programs they’re associated with.  And start researching from there.  But it does take a bit of time.  You know, and it is sometimes I think it’s more advantageous to go that path than it is necessarily to go the quick path or some of the larger companies.  You make more money sometimes when do side ventures.

Brian Therrien:  Archie I just want to make sure I understand what modus operandi is here.  Are you saying that you want to send traffic from your site to their site and promote their products?

Audience Member:  In the case that I do do that yes I’d like to get credit for it.

Brian Therrien:  Okay.  Well you know.  Pardon me.

Audience Member:  Google Adsense doesn’t really come up with a good set of criteria so I’m going to have to put in my own.  That’s where I need to know how do I establish this relationship?

Brian Therrien:  Yeah.  Well, one of the strategies that has worked for me and of course I’m in a different industry, but usually the principals of money when you’re talking about money and business have some consistency.  Like you know I just say listen you know I’m interested in selling XYZ Rods and I have X amount of visitors from my site that are interested in this.  I see that you guys do a nice job and I’d like to talk to you about the possibilities.  Whether that’s a voice mail or an e-mail.  That, you know anybody running a website you usually can get their attention and at least get your foot in the door.  It sounds to me like if you could get your foot in the door a little bit more often then you could probably land a deal right.

Audience Member:  Okay.

Brian Therrien:  So, I would try an approach that. You know you’re not quite sure if you want to use them.  You are looking into them.  You got a lot of stuff going on.  Some confusion and curiosity in there and you know, it might work for you.

Audience Member:  Okay.

Brian Therrien:  This is the conclusion of the How to Build Your Successful Online Business.  The interview with Michelle Toole and questions and answers.  I wanted to point out some successful resources to help you get started.  If you scroll down to the bottom of the page and look at the item A and the video right below it under the resources to get started.  This is where you can learn about Site Built-IT, the same system that Michelle used.  Go over sign up for a free trial.  You have access to the free research tools so you can get the concept of your idea going, understand if it’s viable and really get started without any money down.  If you do choose to use Site Build-It make sure you do your research in advance.  Understand that they do have a, you know it’s not perfect.  It’s not for everybody.  You can get a full refund if you do choose to use some to help you build your website.  But, certainly take advantage of the free research tools.  There is other supporting information to contact Michelle.  The work that Michelle has done.  Information about how to help you better understand how much money you can make and keep your benefits.  How you can start a business with no money down.  There is resources in there as well.  So, again in closing this is a great success story and we would be excited to hear from you and learn that you have been able to take a few hours of time and leverage it into a successful income to supplement your income.  So, good luck and happy business building.  This has been Brian Therrien.  Thank you.

 {end of the interview}

A.  Site Build it and free research tools are here 

B. Learn More and contact Michelle community Page

C. Link to Healthy Holistic Living 

D. Link to Home Remedies and Natural Cures 

E.  Practical Guide To Winning Your Disability  

F.  How much you can make and keep your benefits

G. How to start a business with no money down 

H. Social Security PASS program