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Portfolio? Rates?
This all makes no sense to me. What you shouldve done is this, in the exact order:
1. Pay people the money back no matter how big of an asshole they where.
2. Get up a site with port, ask some people for nice quotes that are real.
3. Up your prices by a "lot", you rather make money making something good reliable and fast then trying to rush it and taking in to much you can handle.
4. Get back in here, apologize for being to busy and that you learned from that now.
Done..
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