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I fretted over spending money to have a site built and did not want just a run of the mill template. People kelt calling and calling to set me up with a website. One day my wife bartered with a photographer to have our 1 year old at time get her pictures done professionally and in return my wife cleaned her home for 6 months once per month. Pretty good deal I thought. Those pictures are expensive. I thought to myself if i could figure out a way to barter for a website custom built. A friend had been approaching me about once per month to build my site so I finally called him back and we did this: he created the site hosts it and does all the SEO for free. In return I pay him $10. For every lead generated by the site when a quote is able to be presented to the prospect. I Also refer him to any start up businesses I insure. It has worked perfectly. No money out of my pocket up front and he makes money when I quote. I am quoting for the past week about 1 per day and close 1 out of 3. Not bad.