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If you are confident that you can get 20k in the next couple months on a 5k mailing investment, I would go with throwing it on a card. You're going to pay some interest, but you'll still end up with a higher net income than you would if you don't do the marketing. So long as the marketing brings in the new clients.
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Why do people not respect us as they do other tradesmen? Because every Tom, Dick, and Harry doesn't think he can be a plumber or electrician!
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