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yup- like Dave says, do both!
My own business model is that I haven't had to pay for content upfront, or pay to shoot my own and develop a library that way. I simply market other producers back catalogue content and pay them 50% of the sites net profits. So to that end, Pauls not quite right- you don't *NEED* to spend big to own a site and program.
Of course on my current business model, I'll never make a fortune, becasue I'll never keep a bigger slice of the pie, but then I didn't have any $$$ to put in to start with other than my own sweat equity. My next step (once I've cleared up the half-finished jobs) is to migrate to shooting my own content too, so if there's any investors reading, please feel free to drop me a line! 8)
So etik, If you've got no $$$ to put in, put effort in instead. It will pay off if you're good, and it won't if you suck.
rant/ramble over... off for a brew and m'bed
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