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Making Real Money Online: What Type of Earner Are You?

I have made many mistakes since becoming a professional blogger and new media consultant but todays post is about the biggest financial mistake I have made and what I am doing about it.

What is this big mistake? I am sure it is a mistake many people make but before I describe it, let me give you some background.

Since leaving school at age 15 I have been an employee. Even though I have had my own company since 2005, nothing changed, I was still being an employee. While I have made a decent living by many standards, I realized my situation was not improving and I needed a shift in strategy.

I had left the world of working for a salary and a boss to working for a different type of salary and a different type of boss.

Working for yourself is supposed to mean freedom of schedule, being able to choose what you do and greater earning potential. For a while I had none of that, I had traded almost like for like. My first task was to diversify my client base so I no longer had a boss but had several customers.

When you spread your work around you no longer have one person in control of you. Your freedom increases and income is more stable.

My second task is to diversify my income. Don’t get me wrong, I love my consulting and freelance writing, but that is the only income I have created. I need to go back to my original plan and create several income streams. Being busy working all the time has stopped me seeing the big picture of where I am going.

What is your long term plan? Are you working towards that plan or just working?

While you can earn a decent living working for others, and there are many other benefits, you will always have a cap on your income. By solely working for other people you are putting the control of your wealth in other peoples hands. The key is to diversify your income, have both passive and active income streams.

There are three types of earning style, which are you currently in?

  1. I Work For Money – I am an employee, a contractor, a freelancer. I personally do work and get paid for it.
  2. My Business Works For Money – My business employs people who do work, my business gets paid and I pay my employees and subcontractors.
  3. My Money Works For Money – I invest in businesses, or other investment vehicles that pay me a return.

From my story above you will see my income is mostly in sector #1 and that is my big mistake.

While I am going to continue doing what I love to do, help people, advise businesses, and write, I am going to add income streams that don’t depend on me working ten or more hours a day, seven days a week.

I have my own business but all the work is done by me, so really I am stuck in the first zone. By delegating and subcontracting I can begin to move into the second sector and exponentially increase my earning potential as I will no longer be restricted by 24 hour days and price ceilings.

What can you do today to improve your situation?

  • Diversify your income – If you are an employee, start a side business. If you are a freelancer, diversify your client base and generate some passive or less active income.
  • Start new businesses – A business need not be a multi-national, it could be just a new blog built to earn revenue. If you want to get started generating revenue from your blog take a look at Yaros free Blog Profits Blueprint ebook.
  • Create products – Working for others or selling others products puts control out of your hands, more profits and control are found in your own products. Brian just released a free report on creating your own digital information products.
  • Be open to opportunities – A key part of expanding your personal income potential is networking with other people and being open to the opportunities that flow through your network. Do not take all the burden yourself, by teaming with other people the possibilities and available skills expand.

Ultimately real wealth is found in the third sector. Ever wondered why people say “the rich get richer”? Because wealthy people use their money, not their effort, to make more money. Focus on building an investment fund and getting it to work for you.

This is the first post in a series. Let me know in the comments what you think, if you disagree with my thinking, or if there is anything in particular you would like me to cover.

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Comments

  1. I used to be number #1, just a bog standard paid employee. I’ve quit that but I dont actually earn any money right now so I’ll have to make a category #4 which is “I’m just trying to make some money :)”

    I agree with the overal point though – working for others, whether that is a boss, a publisher, a client or whatever – you are trading your time forcash so when you run out of time you put a ceiling on your earnings. I want to build businesses that I can either sell or automate.

  2. I used to be number #1, just a bog standard paid employee. I’ve quit that but I dont actually earn any money right now so I’ll have to make a category #4 which is “I’m just trying to make some money :)”

    I agree with the overal point though – working for others, whether that is a boss, a publisher, a client or whatever – you are trading your time forcash so when you run out of time you put a ceiling on your earnings. I want to build businesses that I can either sell or automate.

  3. Reading Brian Clark’s “teaching sells” has stirred up all sorts of ideas, these pieces really make you think about what we should be putting our efforts into!

  4. Reading Brian Clark’s “teaching sells” has stirred up all sorts of ideas, these pieces really make you think about what we should be putting our efforts into!

  5. @Caroline – Yes you have to cover the essentials first, such as roof over your head, food, clothing πŸ™‚ I also enjoy my consulting and freelancing so will not finish those, but the greatest expansion will always be found in sectors 2 and 3

    @Simon – Great stuff, that is what I was hoping for πŸ™‚

  6. @Caroline – Yes you have to cover the essentials first, such as roof over your head, food, clothing πŸ™‚ I also enjoy my consulting and freelancing so will not finish those, but the greatest expansion will always be found in sectors 2 and 3

    @Simon – Great stuff, that is what I was hoping for πŸ™‚

  7. This is why I’m subscribed to this blog. Excellent, and thought provoking post Chris. The most insightful read all week!

  8. This is why I’m subscribed to this blog. Excellent, and thought provoking post Chris. The most insightful read all week!

  9. I started in #1 and now I’m in #2. Getting from #2 to #3 is hard because you have to make the money first usually by doing #2. #2 probably won’t be that profitable so creating a reasonable lump of money to create #3 is going to take a long time.

  10. I started in #1 and now I’m in #2. Getting from #2 to #3 is hard because you have to make the money first usually by doing #2. #2 probably won’t be that profitable so creating a reasonable lump of money to create #3 is going to take a long time.

  11. @Armen – Thanks πŸ™‚

    @Jack – It is surprising how even a little spare cash put into #2 and #3 can bring good results. I will be talking about that more in future entries of the series πŸ™‚

  12. @Armen – Thanks πŸ™‚

    @Jack – It is surprising how even a little spare cash put into #2 and #3 can bring good results. I will be talking about that more in future entries of the series πŸ™‚

  13. @Chris – looking forward to it πŸ™‚

  14. @Chris – looking forward to it πŸ™‚

  15. I think it was Maria Callas that said something like “if you don’t have a charisma, get one”. If you want to sell, you must have a minimum sales mindset, all the time. For some people that’s really hard.

    Let me illustrate with one of my mistakes (sales-wise). My readers can download a free Excel dashboard from my blog. Then they can get a how-to paid version. There should be a “buy now” button in the free version, but that never crossed my mind, until yesterday. They had to get back to the blog and start from there (impulse buy, anyone?)

    You can have sales plan and all, but a sales mindset is defined these small details.

  16. I think it was Maria Callas that said something like “if you don’t have a charisma, get one”. If you want to sell, you must have a minimum sales mindset, all the time. For some people that’s really hard.

    Let me illustrate with one of my mistakes (sales-wise). My readers can download a free Excel dashboard from my blog. Then they can get a how-to paid version. There should be a “buy now” button in the free version, but that never crossed my mind, until yesterday. They had to get back to the blog and start from there (impulse buy, anyone?)

    You can have sales plan and all, but a sales mindset is defined these small details.

  17. Thanks Chris. Cool post. I agree with most of it except the “diversify your income” part (even though my income is extremely diversified).

    Multiple streams of income is hard to manage. Its better to be the king of one mountain than a 1000 mole hills. So don’t diversify. Instead: focus on just one project. And then leverage and parlay your profits.

  18. Thanks Chris. Cool post. I agree with most of it except the “diversify your income” part (even though my income is extremely diversified).

    Multiple streams of income is hard to manage. Its better to be the king of one mountain than a 1000 mole hills. So don’t diversify. Instead: focus on just one project. And then leverage and parlay your profits.

  19. @Jorge – Yes even if your “job” is not selling, understanding and implementing the techniques behind sales helps a great deal

    @Ankesh – I am not suggesting you have 1000 income streams, but I do believe your income should be diversified into active and passive streams. Climbing one mountain and conquering it will do you little good if you fall off it and break your back – you would be wishing you had a safety net πŸ˜‰

  20. @Jorge – Yes even if your “job” is not selling, understanding and implementing the techniques behind sales helps a great deal

    @Ankesh – I am not suggesting you have 1000 income streams, but I do believe your income should be diversified into active and passive streams. Climbing one mountain and conquering it will do you little good if you fall off it and break your back – you would be wishing you had a safety net πŸ˜‰

  21. I have your typical 9to5 IT Job. My blog currently is just a sideline thing. But I’m going to start using the income from it to boost it. I’m going to start paying some other people to write some posts. I’m definitely interested in trying to find better ways to make that income work for me.

  22. I have your typical 9to5 IT Job. My blog currently is just a sideline thing. But I’m going to start using the income from it to boost it. I’m going to start paying some other people to write some posts. I’m definitely interested in trying to find better ways to make that income work for me.

  23. I already have multiple streams of income but when I spend time on one stream the others suffer. Having many streams may not give you more freedom unless the revenue is from recurring payments. Subscription to a service that is billed monthly and delivered by someone else is a good example. But you can stop marketing as clients come and go. My investments in businesses run by others have not done that well. Lately I have been working on networking to expand my connections which I hope should bring in some biz.

  24. I already have multiple streams of income but when I spend time on one stream the others suffer. Having many streams may not give you more freedom unless the revenue is from recurring payments. Subscription to a service that is billed monthly and delivered by someone else is a good example. But you can stop marketing as clients come and go. My investments in businesses run by others have not done that well. Lately I have been working on networking to expand my connections which I hope should bring in some biz.

  25. @Cigar Jack – If you have stable and reliable income already then it is wise to invest what extra you make. I was stupid in the early days, buying junk and going on vacations. In my defense we were looking to emigrate but I wish now we had invested the money instead.

    @David – Choosing where and who to invest in is one of the biggest skills to learn. Prioritizing your income streams is also vital.

  26. @Cigar Jack – If you have stable and reliable income already then it is wise to invest what extra you make. I was stupid in the early days, buying junk and going on vacations. In my defense we were looking to emigrate but I wish now we had invested the money instead.

    @David – Choosing where and who to invest in is one of the biggest skills to learn. Prioritizing your income streams is also vital.

  27. Hi Chris
    Thanks for your great perspective on multiple income streams. Another aspect to consider is service vs. product. I find that you can accumulate wealth much more quickly and with less effort if you offer a product than if you provide a service.

    Thanks
    Lisa

  28. Hi Chris
    Thanks for your great perspective on multiple income streams. Another aspect to consider is service vs. product. I find that you can accumulate wealth much more quickly and with less effort if you offer a product than if you provide a service.

    Thanks
    Lisa

  29. Actually right now I use 50% of what I make to pay down my last Credit Card. We keep it around for the unexpected.

    The other 50% pays for my cigars on my site. I smacked myself in the forehead last night realizing I could probably write off all my cigar purchases.

  30. Actually right now I use 50% of what I make to pay down my last Credit Card. We keep it around for the unexpected.

    The other 50% pays for my cigars on my site. I smacked myself in the forehead last night realizing I could probably write off all my cigar purchases.

  31. Well my story is bit different…

    I used to fall in category no. 1 where I was making money from my own blog. But I can say that I realized this problem that I can’t keep on doing this for long so, I decided that I’ll aim at category 2 but I didn’t have much money with me, so I decided to contact the investor and got an investor behind me to start our blog company.

    I’m sure there will be a stage soon, when I’ll jump in category 3 too.

    Your blog rocks as usual!!!!!!!

  32. Well my story is bit different…

    I used to fall in category no. 1 where I was making money from my own blog. But I can say that I realized this problem that I can’t keep on doing this for long so, I decided that I’ll aim at category 2 but I didn’t have much money with me, so I decided to contact the investor and got an investor behind me to start our blog company.

    I’m sure there will be a stage soon, when I’ll jump in category 3 too.

    Your blog rocks as usual!!!!!!!

  33. I run my own business too and I have 2 suggestions for fellow business owners.

    Firstly, minimising costs are always crucial for a business owner. One costs that is always high is the phone bill. I’ve managed to successfully market and co-ordinate a training seminar without making 1 phone call – all on Facebook and a few emails.

    Secondly, I partner with other businesses is the same or similar industry, and give them the opportunity to sell my products to their clients or contacts. I offer very high commission to make it attractive, and this increases my client base with minimal prospecting efforts.

    Good luck to all!

  34. I run my own business too and I have 2 suggestions for fellow business owners.

    Firstly, minimising costs are always crucial for a business owner. One costs that is always high is the phone bill. I’ve managed to successfully market and co-ordinate a training seminar without making 1 phone call – all on Facebook and a few emails.

    Secondly, I partner with other businesses is the same or similar industry, and give them the opportunity to sell my products to their clients or contacts. I offer very high commission to make it attractive, and this increases my client base with minimal prospecting efforts.

    Good luck to all!

  35. Having “been there, done that” and now enjoying the path of financial freedom, I have a resource to share. But first the short story: I worked in the corporate world, left to start my own business, realized, as Chris is, that I had traded one boss for another (a tougher one I might add), and my husband was doing the same, so there were 2 of us at level #1.

    We wised up, hired subcontractors, and shortly moved to level #2. But it wasn’t until we put our money to work for us (graduated to level #3) that things started to fall into place quite nicely.

    Now we have investments in Real Estate, other businesses, information products, books, affiliations, and some joint ventures like Jamaakudeen writes about

    However, we did none of this ALONE. We heeded the advice of Millionaire-Maker, Loral Langemeier and learned to become Team-Made Millionaires. I get nothing for this pitch btw, I just want to pass along some vital tools: Loral’s books and seminars. Get Team Made Millionaire and TMM’s Cash Machine books wherever you get books, but go get them and then consider doing a workshop or her coaching and jumping into the game. Getting to level #3 with a team behind you makes the journey itself fun. It has also let me relax and blog just because I love it.

  36. Having “been there, done that” and now enjoying the path of financial freedom, I have a resource to share. But first the short story: I worked in the corporate world, left to start my own business, realized, as Chris is, that I had traded one boss for another (a tougher one I might add), and my husband was doing the same, so there were 2 of us at level #1.

    We wised up, hired subcontractors, and shortly moved to level #2. But it wasn’t until we put our money to work for us (graduated to level #3) that things started to fall into place quite nicely.

    Now we have investments in Real Estate, other businesses, information products, books, affiliations, and some joint ventures like Jamaakudeen writes about

    However, we did none of this ALONE. We heeded the advice of Millionaire-Maker, Loral Langemeier and learned to become Team-Made Millionaires. I get nothing for this pitch btw, I just want to pass along some vital tools: Loral’s books and seminars. Get Team Made Millionaire and TMM’s Cash Machine books wherever you get books, but go get them and then consider doing a workshop or her coaching and jumping into the game. Getting to level #3 with a team behind you makes the journey itself fun. It has also let me relax and blog just because I love it.

  37. Great article, Chris. I started at #1 and have moved into #2, though not as much as I would like. When I nail that, I’ll be able to get to #3. It’s a timely reminder to have a career plan and to revisit it from time to time to see if you’re on track. Thanks πŸ™‚

  38. Great article, Chris. I started at #1 and have moved into #2, though not as much as I would like. When I nail that, I’ll be able to get to #3. It’s a timely reminder to have a career plan and to revisit it from time to time to see if you’re on track. Thanks πŸ™‚

  39. Erica thanks for the advice. I highly recommend Anthony Robbins’ cd’s and books. He is a true example of the ability to reach great heights in a short space of time. He’s also very ethical and modest, which I love.

  40. Erica thanks for the advice. I highly recommend Anthony Robbins’ cd’s and books. He is a true example of the ability to reach great heights in a short space of time. He’s also very ethical and modest, which I love.

  41. I am so a number 1…I am trying to start relaxing and realizing that if I do things will start happening. Thanks so much for this post.

  42. I am so a number 1…I am trying to start relaxing and realizing that if I do things will start happening. Thanks so much for this post.

  43. Curt Eiworth says:

    Good start, Chris. If you haven’t already, start reading Robert Kyiosaki: Rich Dad, Poor Dad; Busuiness School: Why we want you to be rich (with Donald Trump); Cashflow Quadrant. Among others.

    One good reason for being your own man and letting money work for you is harsh demographics – the diminishing birth rates in the Western world means there will be fewer workers to pay for our old-age pensions. There just won’t be enough money to go around.

    I am in #1, getting into #2 and nosing into #3 by way of MLM in IRL, the cheapest and surest way. Just ask Kiyosaki.

  44. Curt Eiworth says:

    Good start, Chris. If you haven’t already, start reading Robert Kyiosaki: Rich Dad, Poor Dad; Busuiness School: Why we want you to be rich (with Donald Trump); Cashflow Quadrant. Among others.

    One good reason for being your own man and letting money work for you is harsh demographics – the diminishing birth rates in the Western world means there will be fewer workers to pay for our old-age pensions. There just won’t be enough money to go around.

    I am in #1, getting into #2 and nosing into #3 by way of MLM in IRL, the cheapest and surest way. Just ask Kiyosaki.

  45. You describe it exactly, Chris: “I have my own business but all the work is done by me” [and my partner], so, yes, that’s the same as being in zone 1 — except there’s less of “cubicle wasteland” and you mostly get to pick the people you’re workng with! I guess that the occasional royalties cheque does put one toe into zone 2, but really I’m still back on the task of diversifying… Can’t wait to see where you’re going with this series!

  46. You describe it exactly, Chris: “I have my own business but all the work is done by me” [and my partner], so, yes, that’s the same as being in zone 1 — except there’s less of “cubicle wasteland” and you mostly get to pick the people you’re workng with! I guess that the occasional royalties cheque does put one toe into zone 2, but really I’m still back on the task of diversifying… Can’t wait to see where you’re going with this series!

  47. It sounds like you’re in a perfect place to read Timothy Ferris’ 4-Hour Work Week book. I’m reading it now, myself, and it’s mind-blowing.

    To get an idea of what he’s about, you can see this video of his I put on my own site because its message is so amazing. This isn’t paid or aff. or anything, I just really dig the guy.

  48. It sounds like you’re in a perfect place to read Timothy Ferris’ 4-Hour Work Week book. I’m reading it now, myself, and it’s mind-blowing.

    To get an idea of what he’s about, you can see this video of his I put on my own site because its message is so amazing. This isn’t paid or aff. or anything, I just really dig the guy.

  49. Hi Chris,

    It’s been awhile since I’ve dropped by, but it looks like I came at the perfect time. I’ve been seriously mulling over going to the next level – meaning I want to get to #2. Right now I’m in #1 & a little bit of #3. I have multiple streams of income – both passive and active – which has served me well. However, I would really like to cut my work week down by half.

    Just like you, I definitely believe in multiple streams of income – especially if it’s passive income…

  50. Hi Chris,

    It’s been awhile since I’ve dropped by, but it looks like I came at the perfect time. I’ve been seriously mulling over going to the next level – meaning I want to get to #2. Right now I’m in #1 & a little bit of #3. I have multiple streams of income – both passive and active – which has served me well. However, I would really like to cut my work week down by half.

    Just like you, I definitely believe in multiple streams of income – especially if it’s passive income…

  51. I am really looking forward to this series of articles and what I can learn from them.

    I am in #1, but I am working towards #2. The only problem is time again. If I am working hard at #1 then it is hard to find time to work on #2.

    I think it is a case of patience and organisation, I will get there in the end. I just need to have an organised plan that I work towards (that I do have kind of) and be patient and not want everything yesterday!

  52. I am really looking forward to this series of articles and what I can learn from them.

    I am in #1, but I am working towards #2. The only problem is time again. If I am working hard at #1 then it is hard to find time to work on #2.

    I think it is a case of patience and organisation, I will get there in the end. I just need to have an organised plan that I work towards (that I do have kind of) and be patient and not want everything yesterday!

  53. @Lisa – Yup, that will be one of the things I cover in a future entry, how to get maximum bang for buck. Products allow you to reach a far bigger market but have to be great to make the same individual impact and “remarkability” πŸ™‚

    @Cigar Jack – Heh, it is amazing what can be marked as a business expense. Definitely have the business pay rather than your own pocket. I would consider putting some money towards building assets too as I say in my most recent post.

    @ReviewSaurus – Get into #3 asap but good to see you are moving in the right direction πŸ™‚

    @Jamaaludeen – Great tips πŸ™‚

    @Erica – Great to have a success story, gives the rest of us hope πŸ™‚

    @Sharon – Exactly, knowing where we are going and what we are doing to get there is key πŸ™‚

    @Jamaaludeen – I need to check them out, another to add to my list πŸ™‚

    @JC – Just take small positive steps, you will get there πŸ™‚

    @Curt – I have played the board game, have you ever tried it? I got burned with a MLM when I was a teenager so it put me off. I had great hopes that they would teach me sales as part of the deal but in reality they were treating us as potential customers for their training materials. Put me off investigating MLM things ever again.

    @Jen – Outsourcing and subcontracting I will be looking at on friday πŸ™‚ Hope you enjoy the new installment today!

    @Michael – I saw that when you posted it, in fact I linked to your post and posted about it from Codswallop I think πŸ™‚

    @Maria – Hopefully your efforts in #3 will provide you with the platform to do that πŸ™‚

    @Mandy – You don’t have to go via #2, but that is how most people progress πŸ™‚

  54. @Lisa – Yup, that will be one of the things I cover in a future entry, how to get maximum bang for buck. Products allow you to reach a far bigger market but have to be great to make the same individual impact and “remarkability” πŸ™‚

    @Cigar Jack – Heh, it is amazing what can be marked as a business expense. Definitely have the business pay rather than your own pocket. I would consider putting some money towards building assets too as I say in my most recent post.

    @ReviewSaurus – Get into #3 asap but good to see you are moving in the right direction πŸ™‚

    @Jamaaludeen – Great tips πŸ™‚

    @Erica – Great to have a success story, gives the rest of us hope πŸ™‚

    @Sharon – Exactly, knowing where we are going and what we are doing to get there is key πŸ™‚

    @Jamaaludeen – I need to check them out, another to add to my list πŸ™‚

    @JC – Just take small positive steps, you will get there πŸ™‚

    @Curt – I have played the board game, have you ever tried it? I got burned with a MLM when I was a teenager so it put me off. I had great hopes that they would teach me sales as part of the deal but in reality they were treating us as potential customers for their training materials. Put me off investigating MLM things ever again.

    @Jen – Outsourcing and subcontracting I will be looking at on friday πŸ™‚ Hope you enjoy the new installment today!

    @Michael – I saw that when you posted it, in fact I linked to your post and posted about it from Codswallop I think πŸ™‚

    @Maria – Hopefully your efforts in #3 will provide you with the platform to do that πŸ™‚

    @Mandy – You don’t have to go via #2, but that is how most people progress πŸ™‚

  55. Great post Chris. I find myself in category 1 looking to diversify my client base and looking for ways to set up some passive income streams.

    Time as you might guess seems to be the limiting factor since keeping that roof overhead has to take precedence.

    Do you have a favorite method for creating the passive income part. I would imagine that passive or not it still depends on your own skills and passions, but do you prefer one form of monetization over another?

  56. Great post Chris. I find myself in category 1 looking to diversify my client base and looking for ways to set up some passive income streams.

    Time as you might guess seems to be the limiting factor since keeping that roof overhead has to take precedence.

    Do you have a favorite method for creating the passive income part. I would imagine that passive or not it still depends on your own skills and passions, but do you prefer one form of monetization over another?

  57. I find that there are very few entirely passive income streams but many income streams can be made more systematic to reduce workload or the work can be outsourced. There are a couple of projects I am working on but the most simple one is buying or building new blogs and paying other people to write on them with revenue from the direct sources, advertising affiliates, etc.

  58. I find that there are very few entirely passive income streams but many income streams can be made more systematic to reduce workload or the work can be outsourced. There are a couple of projects I am working on but the most simple one is buying or building new blogs and paying other people to write on them with revenue from the direct sources, advertising affiliates, etc.

  59. Chris, that’s grand: you’ll be your own b5media before we know it. Or are you thinking of indie blogs rather than a network?

  60. Chris, that’s grand: you’ll be your own b5media before we know it. Or are you thinking of indie blogs rather than a network?

  61. Maybe a bit of both, we will see πŸ™‚

  62. Maybe a bit of both, we will see πŸ™‚

  63. Awesome blog! I just went out on my own a couple of months and I’ve never been a happier!

  64. Awesome blog! I just went out on my own a couple of months and I’ve never been a happier!

  65. Great list. The earning style is almost a progression list, i.e., as you get better at what you are doing you can move down the line.

    I would guess most of us are still in the #1 or #2 of the list but still working down the list. I am in between #1 and #2 but have been for a long time, time to move down the list to be in full sign of #2 πŸ™‚

    Thanks for a great post. Scott

  66. Great list. The earning style is almost a progression list, i.e., as you get better at what you are doing you can move down the line.

    I would guess most of us are still in the #1 or #2 of the list but still working down the list. I am in between #1 and #2 but have been for a long time, time to move down the list to be in full sign of #2 πŸ™‚

    Thanks for a great post. Scott

  67. hey chris, interesting post atleast this made me realise what kind of an earner am I, also helped me to improvise my current status cool ya…. This has at least answered many of my questions thanx….

  68. hey chris, interesting post atleast this made me realise what kind of an earner am I, also helped me to improvise my current status cool ya…. This has at least answered many of my questions thanx….