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	<title>Comments on: Cross-Blog Debate: The Cost of Freelancing</title>
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	<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/</link>
	<description>Freelance Resources for Writers, Designers &#38; Other Virtual Service Providers</description>
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		<title>By: The Practical Implications of Having a Freelancing Office &#124; Freelance Parent</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-9833</link>
		<dc:creator>The Practical Implications of Having a Freelancing Office &#124; Freelance Parent</dc:creator>
		<pubDate>Wed, 04 Feb 2009 19:03:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-9833</guid>
		<description>[...] Cross-Blog Debate: The Cost of Freelancing [...]</description>
		<content:encoded><![CDATA[<p>[...] Cross-Blog Debate: The Cost of Freelancing [...]</p>
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		<title>By: Cross Blog Debate: What I Really Wanted to Say&#8230; &#124; Freelance Parent</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8555</link>
		<dc:creator>Cross Blog Debate: What I Really Wanted to Say&#8230; &#124; Freelance Parent</dc:creator>
		<pubDate>Thu, 06 Nov 2008 00:00:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8555</guid>
		<description>[...] Cross-Blog Debate: The Cost of Freelancing [...]</description>
		<content:encoded><![CDATA[<p>[...] Cross-Blog Debate: The Cost of Freelancing [...]</p>
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		<title>By: The Debate Continues: Would You Freelance If You Had Nothing? &#124; Men With Pens</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8504</link>
		<dc:creator>The Debate Continues: Would You Freelance If You Had Nothing? &#124; Men With Pens</dc:creator>
		<pubDate>Mon, 03 Nov 2008 09:01:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8504</guid>
		<description>[...] Freelance Parent team challenged us to a debate about the costs of freelancing. We launched into the discussion happily â€“ who can resist a [...]</description>
		<content:encoded><![CDATA[<p>[...] Freelance Parent team challenged us to a debate about the costs of freelancing. We launched into the discussion happily â€“ who can resist a [...]</p>
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		<title>By: Steps to Starting a Small Business: #2 - The Implementation &#124; Virtual Impax</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8465</link>
		<dc:creator>Steps to Starting a Small Business: #2 - The Implementation &#124; Virtual Impax</dc:creator>
		<pubDate>Sat, 01 Nov 2008 11:45:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8465</guid>
		<description>[...] or a business loan. There&#8217;s an open debate raging between the Men with Pens blog and the Berry-Brewer Freelance Agency over the cost associated with starting your small [...]</description>
		<content:encoded><![CDATA[<p>[...] or a business loan. There&#8217;s an open debate raging between the Men with Pens blog and the Berry-Brewer Freelance Agency over the cost associated with starting your small [...]</p>
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		<title>By: The Debate Ensues: The Costs of Starting a Freelance Business &#124; Freelance Parent</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8461</link>
		<dc:creator>The Debate Ensues: The Costs of Starting a Freelance Business &#124; Freelance Parent</dc:creator>
		<pubDate>Sat, 01 Nov 2008 05:29:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8461</guid>
		<description>[...] Cross-Blog Debate: The Cost of Freelancing [...]</description>
		<content:encoded><![CDATA[<p>[...] Cross-Blog Debate: The Cost of Freelancing [...]</p>
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		<title>By: Genesis</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8451</link>
		<dc:creator>Genesis</dc:creator>
		<pubDate>Fri, 31 Oct 2008 03:05:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8451</guid>
		<description>I agree with you ladies! :) Here`s what I said over on Men with Pens:

Interesting debate! Now, I`m pretty good friends with Tamara and Lorna, but I can see points on both sides here. However, I`m going to go with their take because I did start with absolutely nothing. I literally spent a dollar a day to go to the internet cafe down the street (we didn`t have internet at home) and spent that hour looking for jobs. Then I came home, wrote application letters and articles and submitted them off a diskette the next day during my hour online. 

Eventually, I started getting steady work and after about a year, I did get internet, so yes, that was an investment, but I was already working for some time at that point. 

You talk about office furniture . . . I wouldn`t count things you already have in your home as an investment. Even now, several years into this freelancing thing, I work off a scrounged metal table that I use as a desk. I have invested in a decent computer chair, though, since my last one broke and dumped me on my butt when I was 9 months pregnant. :D

So, my take? You CAN start with virtually nothing. But if you want to grow, you`ll have to invest . . . but only once you are earning the money to put back into the business.</description>
		<content:encoded><![CDATA[<p>I agree with you ladies! <img src='http://www.sparkplugging.com/freelance-parent/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  Here`s what I said over on Men with Pens:</p>
<p>Interesting debate! Now, I`m pretty good friends with Tamara and Lorna, but I can see points on both sides here. However, I`m going to go with their take because I did start with absolutely nothing. I literally spent a dollar a day to go to the internet cafe down the street (we didn`t have internet at home) and spent that hour looking for jobs. Then I came home, wrote application letters and articles and submitted them off a diskette the next day during my hour online. </p>
<p>Eventually, I started getting steady work and after about a year, I did get internet, so yes, that was an investment, but I was already working for some time at that point. </p>
<p>You talk about office furniture . . . I wouldn`t count things you already have in your home as an investment. Even now, several years into this freelancing thing, I work off a scrounged metal table that I use as a desk. I have invested in a decent computer chair, though, since my last one broke and dumped me on my butt when I was 9 months pregnant. <img src='http://www.sparkplugging.com/freelance-parent/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /> </p>
<p>So, my take? You CAN start with virtually nothing. But if you want to grow, you`ll have to invest . . . but only once you are earning the money to put back into the business.</p>
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		<title>By: Lorna Doone Brewer</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8445</link>
		<dc:creator>Lorna Doone Brewer</dc:creator>
		<pubDate>Wed, 29 Oct 2008 20:16:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8445</guid>
		<description>@Tony - We agree yet again.  By the time you get to the point where you really need more things for your business, it should be making you enough money to pay for them. 

We don&#039;t dip into personal money, or even our shares of the take-home pay when the business needs something.  Rather, Berry-Brewer has its own special account where money accumulates for times when we need to launch a new marketing venture or re-up a subscription. 

Oh, and I think Shannon is quite aware that MwPs are, in fact, men.  I&#039;m pretty sure she&#039;s got her tongue in her cheek with that one. ;-)</description>
		<content:encoded><![CDATA[<p>@Tony &#8211; We agree yet again.  By the time you get to the point where you really need more things for your business, it should be making you enough money to pay for them. </p>
<p>We don&#8217;t dip into personal money, or even our shares of the take-home pay when the business needs something.  Rather, Berry-Brewer has its own special account where money accumulates for times when we need to launch a new marketing venture or re-up a subscription. </p>
<p>Oh, and I think Shannon is quite aware that MwPs are, in fact, men.  I&#8217;m pretty sure she&#8217;s got her tongue in her cheek with that one. <img src='http://www.sparkplugging.com/freelance-parent/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' /> </p>
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		<title>By: Tony Lawrence</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8444</link>
		<dc:creator>Tony Lawrence</dc:creator>
		<pubDate>Wed, 29 Oct 2008 18:58:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8444</guid>
		<description>&quot;May the best women win!&quot;

Umm, the other side is MEN with pens.. 

:-)

Tony Lawrences last blog post..&lt;a href=&quot;http://feeds.feedburner.com/~r/aplawrence/ZPYH/~3/435220044/learning-from-vista.html&quot; rel=&quot;nofollow&quot;&gt;Windows 7 learning experience  by Anthony Lawrence&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p>&#8220;May the best women win!&#8221;</p>
<p>Umm, the other side is MEN with pens.. </p>
<p> <img src='http://www.sparkplugging.com/freelance-parent/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p>Tony Lawrences last blog post..<a href="http://feeds.feedburner.com/~r/aplawrence/ZPYH/~3/435220044/learning-from-vista.html" rel="nofollow">Windows 7 learning experience  by Anthony Lawrence</a></p>
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		<title>By: Shannon</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8443</link>
		<dc:creator>Shannon</dc:creator>
		<pubDate>Wed, 29 Oct 2008 18:31:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8443</guid>
		<description>May the best women win!

Shannons last blog post..&lt;a href=&quot;http://feeds.feedburner.com/~r/seasonal-kids-activities/~3/435238226/&quot; rel=&quot;nofollow&quot;&gt;Halloween Crafts: Painted Pumpkin Ideas&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p>May the best women win!</p>
<p>Shannons last blog post..<a href="http://feeds.feedburner.com/~r/seasonal-kids-activities/~3/435238226/" rel="nofollow">Halloween Crafts: Painted Pumpkin Ideas</a></p>
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		<title>By: Tony Lawrence</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8441</link>
		<dc:creator>Tony Lawrence</dc:creator>
		<pubDate>Wed, 29 Oct 2008 18:06:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8441</guid>
		<description>But do realize (as I just commented over at MWP) we&#039;re talking about STARTING on a shoestring. 

If it&#039;s a year later and you still can&#039;t afford the things your business really needs, well, you didn&#039;t make it and you need to give it up and move on.

Tony Lawrences last blog post..&lt;a href=&quot;http://feeds.feedburner.com/~r/aplawrence/ZPYH/~3/435220044/learning-from-vista.html&quot; rel=&quot;nofollow&quot;&gt;Windows 7 learning experience  by Anthony Lawrence&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p>But do realize (as I just commented over at MWP) we&#8217;re talking about STARTING on a shoestring. </p>
<p>If it&#8217;s a year later and you still can&#8217;t afford the things your business really needs, well, you didn&#8217;t make it and you need to give it up and move on.</p>
<p>Tony Lawrences last blog post..<a href="http://feeds.feedburner.com/~r/aplawrence/ZPYH/~3/435220044/learning-from-vista.html" rel="nofollow">Windows 7 learning experience  by Anthony Lawrence</a></p>
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		<title>By: Cross-Blog Debate: The Cost of Freelancing &#124; Freelance Parent</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8440</link>
		<dc:creator>Cross-Blog Debate: The Cost of Freelancing &#124; Freelance Parent</dc:creator>
		<pubDate>Wed, 29 Oct 2008 18:03:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8440</guid>
		<description>[...] Cross-Blog Debate: The Cost of Freelancing [...]</description>
		<content:encoded><![CDATA[<p>[...] Cross-Blog Debate: The Cost of Freelancing [...]</p>
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		<title>By: Lorna Doone Brewer</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8439</link>
		<dc:creator>Lorna Doone Brewer</dc:creator>
		<pubDate>Wed, 29 Oct 2008 17:24:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8439</guid>
		<description>@Tony - &quot;If you have plenty of money but donâ€™t have the rest, youâ€™ll just burn through the money and be back in a cubicle soon enough.&quot;

I love it.  That makes perfect sense.</description>
		<content:encoded><![CDATA[<p>@Tony &#8211; &#8220;If you have plenty of money but donâ€™t have the rest, youâ€™ll just burn through the money and be back in a cubicle soon enough.&#8221;</p>
<p>I love it.  That makes perfect sense.</p>
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		<title>By: Tony Lawrence</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8438</link>
		<dc:creator>Tony Lawrence</dc:creator>
		<pubDate>Wed, 29 Oct 2008 16:54:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8438</guid>
		<description>I&#039;m on your side..

I started my business in 1983.  I had nothing - well, I had a computer and a place to plug it in.  

Fortunately I had work lined up and they all paid me quickly so I survived.. and here I am in 2008 (after plenty of ups and downs over the years).

I think it&#039;s great if you have all the money and resources you need.  But if you don&#039;t, you can still make it.

Let&#039;s put it this way:  if you have the skills and the talent and a little luck, you can make it no matter how little you have to start with. 

If you have plenty of money but don&#039;t have the rest, you&#039;ll just burn through the money and be back in a cubicle soon enough.

Having both is nice, but not all of us had or have that luxury.</description>
		<content:encoded><![CDATA[<p>I&#8217;m on your side..</p>
<p>I started my business in 1983.  I had nothing &#8211; well, I had a computer and a place to plug it in.  </p>
<p>Fortunately I had work lined up and they all paid me quickly so I survived.. and here I am in 2008 (after plenty of ups and downs over the years).</p>
<p>I think it&#8217;s great if you have all the money and resources you need.  But if you don&#8217;t, you can still make it.</p>
<p>Let&#8217;s put it this way:  if you have the skills and the talent and a little luck, you can make it no matter how little you have to start with. </p>
<p>If you have plenty of money but don&#8217;t have the rest, you&#8217;ll just burn through the money and be back in a cubicle soon enough.</p>
<p>Having both is nice, but not all of us had or have that luxury.</p>
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		<title>By: Open Debate: The True Costs of Starting a Freelance Business &#124; Men With Pens</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8434</link>
		<dc:creator>Open Debate: The True Costs of Starting a Freelance Business &#124; Men With Pens</dc:creator>
		<pubDate>Wed, 29 Oct 2008 09:03:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8434</guid>
		<description>[...] we aren&#8217;t realistic about the costs of setting up shop as a freelance writer. They figure starting a freelance business doesn&#8217;t cost much and that if you have $220 bucks, you can set up [...]</description>
		<content:encoded><![CDATA[<p>[...] we aren&#8217;t realistic about the costs of setting up shop as a freelance writer. They figure starting a freelance business doesn&#8217;t cost much and that if you have $220 bucks, you can set up [...]</p>
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		<title>By: Lorna Doone Brewer</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8432</link>
		<dc:creator>Lorna Doone Brewer</dc:creator>
		<pubDate>Tue, 28 Oct 2008 20:11:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8432</guid>
		<description>@Annette - Networking and word-of-mouth are most definitely some of the best marketing tools available!</description>
		<content:encoded><![CDATA[<p>@Annette &#8211; Networking and word-of-mouth are most definitely some of the best marketing tools available!</p>
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		<title>By: Annette</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8431</link>
		<dc:creator>Annette</dc:creator>
		<pubDate>Tue, 28 Oct 2008 18:06:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8431</guid>
		<description>Hi Ladies!  Love reading your blog posts:-) 

I have to say that I started about 5 years ago with little more than a brochure page website I created myself, article marketing I wrote myself, and an elance account.  

Word of mouth marketing and networking are both inexpensive and provide the best kind of client.  Professionalism and a good work ethic are cheap and offer a great ROI!  

Looking forward to the ensuing debate!</description>
		<content:encoded><![CDATA[<p>Hi Ladies!  Love reading your blog posts:-) </p>
<p>I have to say that I started about 5 years ago with little more than a brochure page website I created myself, article marketing I wrote myself, and an elance account.  </p>
<p>Word of mouth marketing and networking are both inexpensive and provide the best kind of client.  Professionalism and a good work ethic are cheap and offer a great ROI!  </p>
<p>Looking forward to the ensuing debate!</p>
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		<title>By: Lorna Doone Brewer</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8426</link>
		<dc:creator>Lorna Doone Brewer</dc:creator>
		<pubDate>Mon, 27 Oct 2008 23:36:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8426</guid>
		<description>@Allena - Good point. We actually did one pretty early on, but it was designed for free and hosted on the cheap. (Not that we recommend that approach. At all.) ;-)  I don’t know that our new site has gotten us any business on its own, but I think it’s help to legitimize us.

@Wendy - Sounds like you&#039;re definitely taking the no-frills approach.  We did the same, and we&#039;re reaching our goals on a regular basis.  Good luck.

@James - In the spirit of one Miss Torrance Shipman, I say &quot;bring it on!&quot;

@Deb - I didn&#039;t count the cost of the how-to books since I&#039;d bought them a couple of years before when I was doing some research.  Still, that might be something to keep in mind.  Good luck getting your inaugural gig.</description>
		<content:encoded><![CDATA[<p>@Allena &#8211; Good point. We actually did one pretty early on, but it was designed for free and hosted on the cheap. (Not that we recommend that approach. At all.) <img src='http://www.sparkplugging.com/freelance-parent/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' />   I don’t know that our new site has gotten us any business on its own, but I think it’s help to legitimize us.</p>
<p>@Wendy &#8211; Sounds like you&#8217;re definitely taking the no-frills approach.  We did the same, and we&#8217;re reaching our goals on a regular basis.  Good luck.</p>
<p>@James &#8211; In the spirit of one Miss Torrance Shipman, I say &#8220;bring it on!&#8221;</p>
<p>@Deb &#8211; I didn&#8217;t count the cost of the how-to books since I&#8217;d bought them a couple of years before when I was doing some research.  Still, that might be something to keep in mind.  Good luck getting your inaugural gig.</p>
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		<title>By: --Deb</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8425</link>
		<dc:creator>--Deb</dc:creator>
		<pubDate>Mon, 27 Oct 2008 22:47:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8425</guid>
		<description>I&#039;ve spent pretty much nothing, so far, except for buying a couple &quot;how-to&quot; books. And the webhosting, which I already had for my blog, anyway. 

Of course, I haven&#039;t gotten a single freelance JOB yet, so even so, I&#039;m still in the hole! (grin)

--Debs last blog post..&lt;a href=&quot;http://feeds.feedburner.com/~r/PunctualityRules/~3/429179512/&quot; rel=&quot;nofollow&quot;&gt;Whoâ€™s Driving this Thing, Anyway?&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p>I&#8217;ve spent pretty much nothing, so far, except for buying a couple &#8220;how-to&#8221; books. And the webhosting, which I already had for my blog, anyway. </p>
<p>Of course, I haven&#8217;t gotten a single freelance JOB yet, so even so, I&#8217;m still in the hole! (grin)</p>
<p>&#8211;Debs last blog post..<a href="http://feeds.feedburner.com/~r/PunctualityRules/~3/429179512/" rel="nofollow">Whoâ€™s Driving this Thing, Anyway?</a></p>
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		<title>By: James Chartrand - Men with Pens</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8424</link>
		<dc:creator>James Chartrand - Men with Pens</dc:creator>
		<pubDate>Mon, 27 Oct 2008 20:42:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8424</guid>
		<description>Ahh, haha! The gauntlet is thrown, pistols at dawn! (But not until I&#039;ve had coffee, hm?)

See you Wednesday, sisters. I&#039;ll have my retort-... uh, I mean, my reply ready!</description>
		<content:encoded><![CDATA[<p>Ahh, haha! The gauntlet is thrown, pistols at dawn! (But not until I&#8217;ve had coffee, hm?)</p>
<p>See you Wednesday, sisters. I&#8217;ll have my retort-&#8230; uh, I mean, my reply ready!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Wendy Sullivan</title>
		<link>http://www.sparkplugging.com/freelance-parent/cross-blog-debate-the-cost-of-freelancing/comment-page-1/#comment-8423</link>
		<dc:creator>Wendy Sullivan</dc:creator>
		<pubDate>Mon, 27 Oct 2008 20:01:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.sparkplugging.com/freelance-parent/?p=403#comment-8423</guid>
		<description>Other than the cost of hosting, I don&#039;t think I&#039;ve spent anything as yet. I see further education and maybe a Guru account as being on the horizon within the next 3-6 months, but that&#039;s about it.

Wendy</description>
		<content:encoded><![CDATA[<p>Other than the cost of hosting, I don&#8217;t think I&#8217;ve spent anything as yet. I see further education and maybe a Guru account as being on the horizon within the next 3-6 months, but that&#8217;s about it.</p>
<p>Wendy</p>
]]></content:encoded>
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