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Why don't you start in NJ, make some money, add a state, and repeat. As far as Pinney goes, they only pay 50% commission on their "you just take the app and let us do everything for you" program. When there are contracts out there pushing 140% you'd have to be nuts or lazy to surrender that much comish
Either you do not know what you are talking about, Just mistaken, Their commission dept is making some big mistakes on my comp or you are just lying.