Mycontact, Sam, was extremely excellent, orgaized and thorough with his knowledge of premium business ideals for smart phones! He was a huge help> He really bridged the gap in my knowledge base. He worked with what I am able to afford as well which was delightful because it let me get in on some new business. I know that when I can afford it I will pay more. The kindness and generosity will not be forgotten. The only glitch is that when I went to pay he said that they didn't accept direct debit. I have no credit cards and my response was to say "You don't accept money?". I am so confused. Apparently some people stopped paying when they were paying with cash/cheque. It's too bad because I am sure that the people that paid probably outweighed the people that did not and in this case one rotten apple spoiled the bunch. Now I can't join. I feel marginalized due to my financial situation and limited as well. There has to be a better way than this. I know that accountants can write off loss so I wonder what the truth is. Maybe someone is lazy and scared or they just have a bad accountant. Anyways. I will come back when I have the credit.