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I agree, It's going to be very difficult to start a website from scratch with 20K, since you have the equipment that does help a lot. CcBill is not 750. Visa and Mastercard both have fee's. It's now $1,000. You really need to find a niche/angle. Editing and set up take a long time. And getting good converting traffic isn't as easy as it once was. People telling you porn is dead are full of shit. It doesn't make what it once did but is far from dead. Also be prepared to spend every waking hour on your computer.
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