Last updated: 7/2009

h- little or NO Money, NO Techno Skills and NO Selling Experience, In Just 12 Weeks or Less..."
Pssssst- This entire training course costs a mere $7!

That's Right!... Sam Mancuso "The Sophisticated Bum" Has Finally Agreed To do A Mind Dump And Unselfishly Reveal His Full Arsenal Of Previously Guarded "Trade Secrets" And "Never Before Disclosed" **Proven** Marketing Strategies That Can Teach ANYONE - Even A Complete "Newbie" - How To Build A Profitable Internet Business...
The Fact Is -- When Selling Online...
Most Folks Approach Sales and Marketing
Completely Ass-Backwards And Fail...
But... The Good News Is You Can Now Easily Duplicate his Proven, no-trick, no-hype System That's Guaranteed To Move You In The "RIGHT Direction"...
...Fast Forward Ahead Of Your Competition!

So... If you'd like to discover "exactly"...
... what you really need to do to identify and "own" any niche and drive home sales - day and night...
Without:
¡¤ Prior Web Marketing Experience
¡¤ Any of Your Own Products Or Services (but I'll show you how to eventually create those too!)
¡¤ Extensive Computer Knowledge
¡¤ or Any Previous Selling Skills Whatsoever
Even If You Don't Know How To Build A Website Or Post An Online Auction...

Please read every word of what I'm about to tell you!

* The testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual's success depends on his or her background, dedication, desire, and motivation.

Dear Future Web Entrepreneur Extraordinaire,
Imagine this... You wake up any given day of the week with a complete change of pace.
¡¤ No nasty alarm clock buzzing at 5:30 am.
¡¤ No traffic, commute or worrying about if you're going to be late for work.
¡¤ No more worrying where you will find time for your family, hobbies and interests
¡¤ No rushing around to get the things done on someone else's schedule
Imagine this day being just like the best quiet Sunday morning you have ever experienced. You wake up at about 9:30 am to the subtle scent of freshly brewed coffee. You casually page through the newspaper while having a nice, unrushed breakfast.
Perhaps you'll do a short aerobic workout or take a brisk walk after you eat- I like the treadmill because it always seems to get my creative juices flowing (and the weather is not a factor!)- then you tool around for a bit before stepping into the shower for a nice hot, refreshing boost.
Now... it's time to go to work. So you sit down at your computer, hit the "send and receive"....
... and start watching your inbox fill up. As you read the subject lines you see...
¡¤ You've Got A Sale...
¡¤ Notification Of Payment Received...
¡¤ Congratulations... Another Sale...
¡¤ Credit Card Payment Successfully Processed...
¡¤ You've Got Cash!...
¡¤ Notification Of E-Check Payment...
"For those of us who "truly" understand how to make money online... receiving 10, 15, 20 - even 50 sales a day isn't surprising... in fact...it's expected!"
Just imagine...
¡¤ The ability to write your own paychecks!
¡¤ Spending more time with family and friends.
¡¤ Spending leisure time traveling
¡¤ Not worrying about money or job security
¡¤ No working two or three jobs just to make ends meet...
¡¤ Not working ten, twelve, fourteen hours a day to fatten somebody else's pockets and still not feeling like you got anything done!
Introducing... The Sophisticated Bum Magical Formula For Creating Life-Changing Income

"The Most Comprehensive, One Of A Kind, In-Depth, Step-By-Step Money-Making System Available On The Internet Today!"
Over the past 5 years there have been dozens of "proven" strategies and systems that have made me and others a lot of money online - as much as $4272.33 in less than 18 hours in one recent example.
That's right, an ugly little two page website brought in $4272.33 in less than 18 hours -- and to boot -- not one single dime was spent on advertising. Not One Dime! And these are the types of techniques anyone with just a computer and a desire to succeed can duplicate as quickly as tomorrow - and see immediate results.
And in just a few short weeks -- you too - can consistently be making $ once you've discovered the techniques I've laid out for you in this step-by-step Sophisticated Bum Method Magical Formula...
Tell me... How different would your life be? How much more would you enjoy getting up everyday to go to work -- for you.. THE BOSS?
Let me share a few secrets right now...

To make money online you have to find a niche' - a small, very targeted, specialized audience, that shares your same interests... then simply learn to dominate that niche' as quickly as possible! Don't "shoot wide"!
IMPORTANT! Read This Very Carefully... Here's A "REAL World Example" Of Just How Easy It Can Be To Make Money Simply By Following A Proven Step-By-Step System!

$61,212 A Year Online "Pet Shop"
"Discover How An Average "Blue Collar Guy" -- With No Computer Or Selling Skills -- Converted An Ugly Little Six Page Website Into $61,212.48 In Annual Profits... After Discovering The "Winning System...
Just to demonstrate the power of what was learned from many years of trial and error, take an "insiders" look at this website that was setup to sell "pet memorials".
AND - he never designed a website before in his life!
By offering you this "Treasure Map" of tips, you will save a lot of time and MONEY as well...
Okay, here goes... Pay close attention!
Once the owner of the ugly little site had changed everything he originally thought about selling online and setup the website geared toward a "laser targeted" specific niche' market... sales skyrocketed -- and here's why.
The focus changed from "selling" to "helping" others! Plus, thinking ahead more sure paid off...
You see, he focused on the proper "mindset" of Internet surfers and quickly turned the website around.
He decided that providing something of value just for visiting the website, knowing all along he'd sell "products" on the "BACK END".
He realized that the first priority was simply going to be to build a list of happy customers.
Key #1
The Money Is In The LIST!
And here's exactly how he accomplished this...
He designed a tiny "Amateurish", ugly little website around "Dog Training". Knowing this was a popular subject in general, even searched heavily on the web at the time, he was confident his site could get a fair share of traffic in this niche'.
But more importantly, the site was NOT focused on every aspect of training a dog. It was a "Laser-Targeted" website that dealt only with the issue of housebreaking a new puppy.
Ironically, it had nothing to do with the loss of a pet (and as you know the ultimate goal was to eventually sell "Pet Memorials"). But that didn't matter. THIS IS ANOTHER VERY IMPORTANT KEY as you'll soon see...
This one ugly little site raked in just over $60,000 in one year. All from a simple 6 to 7 page site...
... More importantly though was how he made all that money from this one tiny, ugly little site...
Here's what he did...
He found a reputable drop ship supplier for pet related products and gifts, and knew that if he were going to put up a site that was a "SUPER Discount E-Store" primarily selling pet gifts he wouldn't make much money. ... he already tried this and found out the hard way!
He didn't make any money trying to sell these items on eBay either because the competition was fierce (even back then). So he really needed to be clever...
So what he did was create a simple site that was ONLY geared towards housebreaking a new puppy. This was a "highly targeted niche" that he knew at the time had little competition in the search engines.
Then he re-designed his ugly little website with ONE PRIMARY FOCUS. Get everyone who visited the site to give him their email address.
How did he get their email? Simple... they offered a free downloadable report titled:
"Six Simple Yet Effective Ways To Housebreak Your New Puppy In 7 Days Or Less"
This little 8 page report was predominantly displayed on the main page (capture page) of the site with nothing else! NOTHING! There were no links to anything. You landed at the site and either downloaded the report or you didn't. If you did decide to enter your email address and download the report, you were then redirected into his small amateurish-looking ugly little website (did I mention it was ugly and little?).
The report was downloaded thousands upon thousands of times by visitors to the website. More importantly, he built a database of targeted email addresses which allowed follow up via email and "back-end" products (and the memorials) to the list on a consistent basis.
Key #2
Build Relationships First...
Sales Will Follow!
He knew everyone who downloaded the report just got a new puppy. That made it simple to create highly effective email campaigns. He knew the TARGET! So he provided GREAT content in all follow up emails, plus they continuously offered affiliate product endorsements for other products that generated incredible affiliate commissions for him.
He also regularly published a newsletter, sent out occasional emails with helpful hints and suggestions about raising a new puppy, and also offered some valuable resources that made readers truly appreciate what was offered!
Key #3
Generate Multiple Streams Of
Income From Your Website
He only has one small text link on the site to the product catalog that simply read "Visit My Gift Shop", and this link wasn't even available to anyone unless they'd already given him their email address.
This "gift shop" link took a visitor directly to a small online gift shop where he sold some unique pet products and also the coveted "Pet Memorials" for a nice additional income.
He also had a "ghost writer" create an entire 84 page book for them on "Your Puppy's Health and Well Being". He paid the ghost writer $150 total (it was actually a local college student studying to be a Vet) to write the entire book and then sold over 1200 copies of it in one year for $10 each.
Here's the rounded off numbers from that little, ugly website:
¡¤ Affiliate Sales = $29,000
¡¤ E-Book Sales = $12,000
¡¤ Product Sales = $19,000
He made over $1000.00 per week from this little 7 page website and didn't have to ship one physical product or warehouse any goods. All of the products were drop shipped by one pet suppliers (except for the memorials).
Do you see the point I'm trying to make here? When he had a full blown web store that offered everything from dog houses to cat nip and everything in between, and didn't specifically focus on capturing email addresses from a targeted niche and begin building a relationship with the list, the business was dying a slow death.
But through trial and error, he learned a lot!
And understood one critical element...
When folks wanted to buy a dog leash or a cat toy, they would automatically go to "PETS R US" or one of the other hundred mega "Pet Stores" online. They didn't even know this other place of his existed - And he didn't have the advertising budget to compete with the big guys.
But because he began offering a free report on housebreaking a new puppy, he had thousands of folks visiting the ugly little website every month! He didn't offering a "PRODUCT" for sale on the site... he is offering some useful information!
People are NOT looking to get online and go shopping. They are looking for INFORMATION!
Let me say that again...
People are NOT looking to get online and go shopping. They are looking for INFORMATION!
And it's your job to provide them with this information. You can sell them "STUFF" later! You first need to build a list of highly targeted customers and establish a relationship with them via email.
Then, when you send a promotional email to them they will be what is known as a "Highly Responsive" lead and you have my word - they'll whip out their credit card and eagerly give you their money!
They'll feel like a friend more than a customer! You've helped them, provided useful information to them FREE! You've built trust! They'd love to buy from you now...
That's how you make sales and LOTS of money online!
You need to learn to build relationships with your website visitors and use the "INCREDIBLE" power of email marketing to sell products and services to your customers on the "back-end".
That's also when your drop shipping sales will flourish! (and we'll talk more about drop shipping and list building in a moment...)
Best of all... the information you provide your website visitors could be on any subject - ANYTHING - as long as it relates to your targeted audience... Sales will follow! I Guarantee it - I've done it and continue to do it!
Follow These Three Keys And You're Guaranteed To Increase Your Sales And Profits Online!
1. Build A List - The money is in the list!

2. Establish Relationships - Sales Will Follow

3. Generate Multiple Streams Of Income From Your Website Via Affiliate Programs, Drop Shipped Products, Your Own Ebook, etc.

Are you beginning to see the tremendous advantage you'll have over your competitors with the information contained in this 12 week online training workshop? This is information that I've never revealed before like...
How to create "Profit Nuggets" that turn customers into "Evangelists" with this simple technique and have them telling everyone about your offers.

How to build back-end offers that double, triple, even quadruple your sales each week without you even lifting a finger.

How to use drop shipped products to create insane profits without ever touching or shipping a physical product - (this is the way the "Big Dogs" sell products online)

Five "tested" email formats that that you can steal and "CUT AND PASTE" that are proven to generate thousands of dollars in sales over the years.

Where to go for "secret" resources that no one is talking about online to build a list of targeted subscribers quickly - specifically interested in any niche' that you choose.

A "crucial marketing schedule" that you can easily implement so you know exactly when to email your list of subscribers and how to make the most out of every email you send out - what days work best with what offers!

How to write convincingly simple email sales copy and promotions that will guarantee you customers click on your offers and purchase your products.

Step by step instructions including PC Videos, PDF Reports, exclusive downloads, templates, Free tools and much more to show you exactly how the whole process is done by successful entrepreneurs everyday.

6 Keys to producing "Multiple Streams Of Website Income" and exactly how to do that the right way - because doing it the wrong way will make your list of customers "unsubscribe" faster than a snowball melts in July.

What tools simplify tasks and make your life easier. Where and when to spend your money on effective and worthwhile applications.

Paid advertising. What works well and how not to waste large chunks of money.

PLUS... You'll Be Able To Sit Back And Relax With
PC Videos Included In This Training Making
It More Informative And Entertaining Than
Anything Else Available Online Today!

To be honest, most folks get tired of reading page after page of information. The ¡°Sophisticated Bum Magic Formula: is split into 12 logical, easy to digest lessons provided one per week. Each week you will receive access to another lesson that will advance your learning and understanding of effective online mastery.
We want to discover new tips and tricks, but we also want to be entertained as well. That's why the "multi-media" revolution has become so incredibly popular right now.
I'd much rather watch a PC video (right on my computer) to discover something new rather than spending my valuable time sifting through one page after another...
It's far less stressful and also much more entertaining at the same time. Wouldn't you agree?

Would You Rather Learn The Hard Way... Or Discover An Easy Way To The Freedom And Success You Deserve?

A Whopping 22 Hours Of PC Videos Taking You From A To Z! No Stone Will Be Left Unturned...

"Discover The Quick & Easy Way To Make Your Websites Look Even More Professional, Without Spending One Cent On New Software..."
"The FREE Traffic Tactics I've Used To Build A Website That Gets Well Over 1,000 Unique Visitors A Day - And How You Can Copy Me To Easily Flood Your Websites In Traffic - Guaranteed!"
"How To BOOST Your Website's Link Popularity And Page Rank With These Seven Little Known, Battle-Tested, And Easy To Use Linking Tactics -- And What's More... I'll Show You How To Get Up And Running With Nearly All Of Them!"
"The 15 Quick & Easy Tactics That Will Help You Make Considerably More Profit From Every Website Visitor You Receive"
"The Quick & Easy Way To Get A LOT More Visitors To Your Website With Just A Few Simple HTML Tweaks ..."
"The 10 Quick & Easy Steps To Becoming A Web Graphics Whiz Even If You Can't Currently Tell A Pixel From A Bitmap..."
"How To Quickly, Easily And For FREE Build A Keyword List Into The Thousands To Help You Effortlessly Attract All The High Quality Traffic You Want!"
"The 5 Free-To-Use Tactics Guaranteed To EXPLODE The Size Of Your Email Opt-In List (And Your Profits) Within The Next Few Days ..."
"How To Quickly & Easily Create Professional PDF's ... For FREE!"
"How To Create Unlimited Personalized Toolbars For FREE That Automatically Promote Your Websites & Affiliate Links For You 24-7!"
"The Quick, Easy & FREE Way To Automatically Update All Your Websites With Bang-Up-To-Date And High-Quality Content That Keeps The Search Engine Spiders AND Your Visitors Coming Back To You Again And Again..."

This 12 Week Course Is Comprehensive And "In-Depth"... Unlike All Those "Weenie" Ebooks You'll Find Floating Around All Over The Net!

You can now discover step by step, week-after-week, how you can have thousands of customers banging on your computer screen, and how to quickly cash in on their sales! I'll provide you with NEVER exposed "secret" techniques like...

The SINGLE-MOST Important "Golden Rule" For Building Your Business On A "ROCK SOLID" Foundation - and 7 insider "short cuts very few are using online!

4 Ways to Write Emails That Produce Sales...overnight ( and generate pre-qualified leads daily)

How to generate $ without spending a single penny on advertising... and why you may never want to pay for advertising again!

How to create "Stealth Profit Nuggets" secretly hidden throughout your website that you simply give away to your customers and instantly turn them into "Evangelists" (and have them telling everyone else about your website.)

How to build "hypnotic" back-end offers that double, triple, even quadruple your sales each week without you even lifting a finger.

Three "tested" email formats that that you can steal and "CUT AND PASTE" - If you're not using these techniques, then you're leaving dollars on the table every time you make an offer.

Where to go for "secret" resources that no one is talking about online to build a list of targeted subscribers quickly - specifically interested in any niche' that you decide on.

A clever little "PDF" technique that promotes your website 24/7 - even while you sleep!

How to write convincing sales copy and promotions that will guarantee your customers click on your offers and make a purchase - and the #1 "stupid-simple" way you can guarantee you double your sales on every one in three customers.

How to generate "Multiple Streams Of Website Income" and exactly how to do that the right way - on auto-pilot.

And that's just in the first few weekly lessons!

I guess you have a choice to make...
You could continue to plug along in the dark and wonder why you're not finding the success you deserve... or you could follow a proven path to success that produces results -- every time!
My goal with this training? - To have you earning online as fast as possible!
Rest assured... As with any business, if you give nothing, of course, you get nothing. You can't just sit back and expect money to come flying out of your computer. That's not realistic. For people who are ready and willing to put their best foot forward, however, you'll have all the resources and the marketing wisdom to begin "SKYROCKETING" your sales and appreciating each day like never before...
Here's my promise...
If you follow my lead... In just a few short weeks, you'll begin to see your effort pay off! By the end of the 12 week course you will be nothing but pleased with your new knowledge!
Anyone who knows the "Internet Money Game" will tell you that there aren't many "REAL" secrets to making money on the Internet, and my Unique System is the single most exciting, legitimate step-by-step system you're going to find.
Each week I'll take you by the hand and together we'll uncover each and every step you need to take to start your business today, WITH NO START UP COSTS, and quickly build an online income!
Let Me Ask You A Few Questions:
¡¤ Are you currently selling online but your sales are slow at best?
¡¤ Are you sick to death of all the lame wholesale lists, ebooks, Ebay kits and "free reports and
worthless e-courses that every Tom, Dick, or Harry is peddling on the net these days?
¡¤ Are you an aspiring entrepreneur but you can't seem to make enough money to go "FULL TIME - let alone actually see a "real" profit from all your time and efforts?
¡¤ Are you confused about how to setup a site that actually pulls in traffic and converts a "window shopper" into a sale?
¡¤ Are you beginning to wonder if there really is a way to make a living online?
If so, then listen up...
The "Sophisticated Bum's Magical Formula" System Shows You How to Tear Down All The Barriers That Have Been Holding You Back!
For over eleven months, I've spent countless hours and thousands of dollars researching, analyzing, testing and perfecting this system that is uniquely different than anything you've ever witnessed.
To be perfectly honest, no one should have to deal with the agony that comes from extracting a complete "brain dump" of information and resources... but that's what I endured - literally - to come up with a system even a complete "newbie" could use to build an online business!
I know what works and what doesn't. Hundreds - if not thousands of direct marketing tycoons will tell you that this system is the most direct way to master a viable online business without any previous expertise.
Plus... it doesn't take a college educated "techie" nor any special skills or abilities to be able to tap into the online e-biz world to build a profitable Internet business you can be proud of...
Never have I offered such an opportunity for you to cash in on your own abilities than right now. The Internet has opened up a whole new world of opportunity for EVERYONE... And I mean EVERYONE! Our generation is in the midst of an E-phenomenon. Everyday that passes you by is just another wasted opportunity for you to start living the Good Life!
Make today a new beginning. No matter where your ventures lead you! Start thinking positive about your future and prepare yourself to start your new life beginning right now. When you do, your life will never be the same again.... Best of all, starting right now, you could begin to rock your world... And It Will Be Electrifying!
Here's just a few of the topics we'll discuss
¡¤ The Simple, Yet Critical, Web Building Process
¡¤ Brainstorming (and dominating) Your Niche'
¡¤ Setting Up And Effectively Using Your Autoresponder System To Make Money Every Day
¡¤ Building Relationships With Your Customers The Right Way
¡¤ The Keys To "Back-End" Sales And Profits
¡¤ Traffic Generating Techniques That Don't Cost a Penny
¡¤ Your Wealth Funnel To Create Multiple Streams Of Income
¡¤ Buying Anything Below Wholesale With My Secret Sources
¡¤ Effective Advertising Campaigns That work Like Clockwork
¡¤ Money Making Copywriting Techniques That No One's Talking About
¡¤ Building An Ezine To Become The Driving Force Of Your Business
¡¤ Information - The Key To Unlimited Income (My favorite Lesson)
¡¤ Effective Marketing Campaigns That Never Fail
¡¤ Creating Profit Pulling Reports And PDF's For Free
¡¤ Setting Up An E-Course
¡¤ Product Sourcing Techniques - What Works And What's A Scam ¡¤ Affiliate Sales - The Right and Wrong Way
¡¤ Mailing List Tools And Resources That You Can't Be Without
¡¤ Quick And Easy List Building Techniques That Explode Out Of Control

And Here's 2 More Reasons Why You Can't Wait To Seize The Moment And Invest In This Incredible Opportunity Today...
Since I want to be sure you have every tip, tool, and resource available to you to start making money as quickly and easily as you possibly can, I have included two incredible bonuses for you that will take your business to the next level!

*** Bonus #1 ***
This is a $97.00 value, but it's yours FREE!

How's This For A Priceless Resource?
Kick Back And Relax While You Discover My Insider "Trade Secrets" And "Confidential" Drop Shipping Sources Right On Your Personal Computer...
My Personal Rolodex Of "Million Dollar Club" Suppliers!
At Your Beck And Call - Over 100 Veteran Wholesale Drop Shipping Companies With The HOTTEST, "Eye-Catching" Licensed And Name Brand Products Guaranteed To Crush Your Competition And Earn You Fists Full Of Crisp Green Cash...
Just Imagine... 'VIP' Access To Hundreds Of Drop Shipping And Wholesale Sources Featuring Some Of The Hottest Names In Licensed And Brand Name Merchandise!
Best Of All... You'll Never Have To Pay for Merchandise Upfront, Warehouse, Package or Ship Any Of The Products You Sell From Their Warehouses!
That... My Friend... Is The Sheer Beauty And Incredible Power Of The Drop Shipping Business!

This alone is normally a $97.00 product,
but it's yours FREE!
Note: I personally use these sources in my business. You can make a small fortune with this information alone!

*** Bonus #2 ***
This is a Priceless value, yours FREE!
Every week along with your Sophisticated Bum Magic Formula Lesson you will receive a handful of free BONUS downloads!
Once you've had a chance to review and implement any of the 12 week¡¯s lessons I¡¯ll provide you with even more! Extensive ebooks on the lesson topic, time-saving programs and more!
Many of the weekly bonus items have a value of over $97.00, but are yours FREE!

So, how much is this 12 week¡¯s of training going to cost me Sam?
I think a more important question here would be...
How much is your freedom worth to you ¡ª the joy of possibly dumping your J.O.B. and living life the way YOU always wanted... Or even just earning extra income for you and your family?
You've been handed the keys to a truly rare and unique business opportunity. Don't blow it!
This is your moment.

It all comes down to one thing! All that matters is YOUR success. Don't wait for it to come to you! Take a moment right now and step into a brighter future where you have more time and money to do the things you want to do in life...
So take action right now - today - while it's fresh on your mind...

Yes, Sam! I Want In!
How Do I Unlock My Registration?
Simply click on the Buy Now button below and make a one-time payment of only $7.00 via ClickBank. (Be sure to click the continue button on the ClickBank website once your payment has been competed.)
You will then be redirected to the secure training center where you will enroll for your training immediately
You will be provided with weekly emails introducing the next lesson and a link to the online coursework

Only $7 for everything!

Well, I've done everything I can. The rest is up to you!

Your partner in success,
Sam Mancuso
President, RuzzMan LLC

And Here's My Personal - NO QUESTIONS ASKED - Put Up Or Shut Up 100% Better Than Money Back Guarantee!
If at any time within the first 8 Weeks
(that's 56 days!) you feel the course is not everything you had hoped- you will receive a 100%, no questions asked, refund of the full course price and keep every bonus item you have received.

P.S. Many folks have asked: Can I Start Making Money In The Next 24 Hours? I Have A Lot Of Bills To Pay And I Need To Make Money Immediately!
And here's my answer....
GET REAL! No... you ARE NOT going to learn how to make $5,000 overnight, but you can make $ this month, and the next month turn that into more $.
Anyone who promises to show you how to make "INSTANT CASH" is lying to you! Building a business is NOT hard - in fact it's probably a lot easier than you think - but it does take some work and dedication on your part.
If you have a strong will and determination (a burning desire to succeed) than I can show you STEP-BY-STEP how to slowly and methodically build a business that makes money - everyday!
P.S.S With your Ironclad Guarantee, there is no way you can lose on this deal! If you're dissatisfied for any reason, simply notify me within 8 weeks of your purchase that you wish to end your membership, and I'll promptly refund your complete investment ¡ª no questions asked. Plus, you keep the provided bonuses as my way of saying thank you for giving this training your best effort!

"Fate brought you here and fate will take you to places you never imagined possible... if you believe in yourself. Follow my lead and really use the marketing tools. Study all the concepts and secrets you'll have at your disposal. Work "SMARTER", not harder, at achieving your goals. And you too will soon be a part of the "Internet Money Club"....
Don't you think you owe it to yourself to move on this? So t