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	<title>Pay Stub Template &#187; Stub Template</title>
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	<link>http://www.paystubtemplate.net</link>
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		<title>Make A Pay Stub &#8211; Steps to Make A Pay Stub for your Business</title>
		<link>http://www.paystubtemplate.net/make-a-pay-stub-steps-to-make-a-pay-stub-for-your-business/</link>
		<comments>http://www.paystubtemplate.net/make-a-pay-stub-steps-to-make-a-pay-stub-for-your-business/#comments</comments>
		<pubDate>Sun, 12 Jun 2011 01:38:11 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Free Template]]></category>
		<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=44</guid>
		<description><![CDATA[If you are looking to make a pay stub for your business the first thing you will need to decide is if you want a template that will work with an existing program or if you want an entire program that can print out the pay stubs for you. Both of these methods will work [...]]]></description>
			<content:encoded><![CDATA[<p><strong>If you are looking to </strong><strong>make a pay stub for your business </strong>the first thing you will need to decide is if you want a template that will work with an existing program or if you want an entire program that can print out the pay stubs for you. Both of these methods will work just find, which you use will depend on your budget, your technical expertise and the amount of time you want to spend on a solution. You have a lot of options available to you when it comes to making a pay stub that is professional looking.<span id="more-44"></span></p>
<p>One of the easiest options is to get a program that does your <a href="http://www.paystubtemplate.net">payroll and pay stubs</a> for you, these programs will <strong>make a pay stub</strong> automatically when they print a check. This solution is great for time saving but it can be a costly expense that your business just cannot afford. There are less expensive and even free programs but the less money you pay for them the less options that you will have. Still if you are not very tech savvy and need a program that you can simply plug numbers into there are plenty of options available to you for this purpose.</p>
<p>You may already have programs on your computer that will offer you options to make a pay stub, programs such as Word often have templates that come with them or that you can download, some of these templates may work just fine, but again you will probably need to put the numbers in each time, and you may have to manually calculate your payroll since Words ability to make calculations is limited.</p>
<p>Excel is a great option if you are on a budget since it can be set up to keep all of your records and it can make a pay stub with a template that you download off of the internet. Because Excel is a database program you can use it to keep track of your payroll, do your calculations and print your pay stubs. This makes it a nice option not only for when you issue paper checks but also if you do direct deposit.</p>
<p>Excel has a bit more of a learning curve but there are many different tutorials online that will teach you how to use this program to do your payroll in the most effective way. It is well worth the time invested since once you have figured out how to use it and have downloaded the necessary templates to make a <a href="http://www.paystubtemplate.net/category/stub-template/">pay stub</a>, you will no longer have to do calculations by hand or write out paystubs.</p>
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		<title>Pay Stub Forms &#8211; How to Find and Use Pay Stub Forms</title>
		<link>http://www.paystubtemplate.net/pay-stub-forms-how-to-find-and-use-pay-stub-forms/</link>
		<comments>http://www.paystubtemplate.net/pay-stub-forms-how-to-find-and-use-pay-stub-forms/#comments</comments>
		<pubDate>Tue, 10 May 2011 07:29:37 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=48</guid>
		<description><![CDATA[If you are new to pay roll you may be worried about where to find pay stub forms and once you have them how to fill them out. There are a few ways to get your pay stub forms and which method you choose will depend on how you plan to do your payroll. You [...]]]></description>
			<content:encoded><![CDATA[<p>If you are new to pay roll you may be worried about where to find pay stub forms and once you have them how to fill them out. There are a few ways to get your <strong>pay stub forms</strong> and which method you choose will depend on how you plan to do your payroll. You can go to your local office supply store and buy payroll forms that you can fill out but this tends to be an expensive way to go and hand written pay stubs are not the most accurate or professional way to handle your payroll.<span id="more-48"></span></p>
<p>You will also find that many accounting and payroll software packages use  <strong>pay stub forms</strong> that are may for their program. This offers a very professional looking pay stub and can be a very efficient way of taking care of your payroll each week but keep in mind that unless you already have the software this can be a costly way to start your payroll especially if you are a small business or just starting out. If you can afford the cost, these pay stub forms will make your life much easier.</p>
<p>Of course you can always print your own pay stub forms; there are several ways to do this for free, so you are only out your paper and ink. There are several ways to do this as well, starting with finding templates online that will work with a copy of Word or Excel. Of course you will have to have these programs on your computer, and if you do not have them then they are an investment that every business should have.</p>
<p>Word and Excel templates offer you the ability to fill in the numbers from your payroll and then print out a pay stub. While not exactly pay stub forms this is still a professional looking way of doing your payroll that will save you both time and money. If you do not have Word or Excel and need to make <a href="http://www.paystubtemplate.net">pay stub forms</a> now, you can also down load free pay stub software, or use pay stub software that is web based. These programs have a lot of disadvantages in terms of the time spent to use them but if you are in a hurry and need to get your pay stubs done this is a viable alternative.</p>
<p>Finally there are web based payroll programs that will create your pay stub forms for you, some will allow you to print them, others will mail them for you and yet others will generate an electronic pay stub form. There are a number of these web based programs that are quite affordable and provide a fast, effective and affordable solution for your payroll.</p>
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		</item>
		<item>
		<title>What is a Pay Stub?</title>
		<link>http://www.paystubtemplate.net/what-is-a-pay-stub/</link>
		<comments>http://www.paystubtemplate.net/what-is-a-pay-stub/#comments</comments>
		<pubDate>Sun, 24 Apr 2011 06:18:20 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=46</guid>
		<description><![CDATA[There are many ways to answer the question &#8220;What is a pay stub?&#8221; as this simple form can mean different things to different people. The most important thing that a pay stub is: is a permanent record of how much you as an employee have earned for all of your hard work during the pay [...]]]></description>
			<content:encoded><![CDATA[<p>There are many ways to answer the question<strong> &#8220;What is a pay stub?&#8221; </strong>as this simple form can mean different things to different people. The most important thing that a pay stub is: is a permanent record of how much you as an employee have earned for all of your hard work during the pay period. For your employer it is his way of showing you that you have been properly paid for every hour that you have worked during the pay period.<span id="more-46"></span></p>
<p>To answer the question &#8220;<strong><a href="http://www.paystubtemplate.net">What is a pay stub</a></strong>?&#8221; we need to look at all of the information that it contains. To start with at the top your pay stub is going to identify the company you work for and it will at the same time identify you as an employee of the company. Should you ever need or want to apply for a loan this information is very important as it is used to prove you have a job.</p>
<p>Next your pay stub will show you not only how many hours (regular and overtime) that the company shows you to have been at work. This should match your time card, however, if it does not your pay stub becomes an important document that can be used to prove that you are not being paid for all of the hours you have worked. You will need both your time card and your pay stub to prove this to your payroll office.</p>
<p>After this you pay stub will list all of the deduction that are being taken out of your gross pay before you get what is left over. This include all of the income taxes you pay including federal and where applicable state, county and city. Here are again your pay stub is a very important piece of paper, if you are not paying the right amount of taxes, you could be in for a nasty shock on the 15th of April. You should pay very close attention to all of your deductions to make sure that you are not under paying or for that matter over paying your taxes.</p>
<p><strong>In final answer to the question &#8220;What is a pay stub?&#8221; the real answer is that for many reasons it is one of the most important documents your employer is ever going to hand you.</strong> As such you should make sure that you keep all of your pay stubs carefully filed away in case there should ever be a problem with your paycheck or your taxes or if you ever decide to apply for a loan.</p>
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		<title>When I Need a Pay Stub Template I go to the Internet</title>
		<link>http://www.paystubtemplate.net/when-i-need-a-pay-stub-template-i-go-to-the-internet/</link>
		<comments>http://www.paystubtemplate.net/when-i-need-a-pay-stub-template-i-go-to-the-internet/#comments</comments>
		<pubDate>Thu, 14 Apr 2011 12:27:33 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=52</guid>
		<description><![CDATA[
Have you ever been working in a program, needed a template only to find that they don’t have the template you need? Then you click on the find more button only be asked for money to get the template you are looking for. If the price is affordable and I can see the template before [...]]]></description>
			<content:encoded><![CDATA[<p></p>
<p>Have you ever been working in a program, needed a template only to find that they don’t have the template you need? Then you click on the find more button only be asked for money to get the template you are looking for. If the price is affordable and I can see the template before I buy I don’t mind so much but more often than not when I need a <strong>pay stub template</strong> I head to the Internet to browse the huge list available for free.</p>
<p>The mistake that most people make is that they download the first one they find, then when they find it does not suit their needs they make that mistaken assumption that <strong>free pay stub templates</strong> are no good. When I need a pay stub template I am willing to spend a bit of time looking, this way I can be sure I get what I want and not have to pay for it.</p>
<p>The trick is that you need to get a good understanding of what you want before you go looking, a lot of times I will make a list of the things I need in a <strong><span style="text-decoration: underline;">pay stub template</span></strong> before I actually go looking for one. Things you might want to look for include a place for a logo and company name, extra fields for any deductions that are not standard and a way to have the template calculate your numbers with. Of course the template has to fit with whatever program you are using it for, when I need a pay stub template that is the first thing I look for.</p>
<p>You will find that there seem to be a lot of templates online for paystubs, so you may want to try to narrow your search down, you can do this by typing in the name of the program you are using the template with and using the word free if you plan to get a free one. You can also add any other specifics you need as well such as if you need it to be printable or you want an electronic pay stub.</p>
<p>When I need a <a href="http://www.paystubtemplate.net/category/stub-template/">pay stub template</a> I find that a bit of effort and research always pay off, I usually find a template that is perfect for my needs come complete with clear instructions for its use and allows me to make the necessary changes I need to make so that it is suitable for my business needs.</p>
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		<item>
		<title>The source of all kinds of pay stub templates</title>
		<link>http://www.paystubtemplate.net/the-source-of-all-kinds-of-pay-stub-templates/</link>
		<comments>http://www.paystubtemplate.net/the-source-of-all-kinds-of-pay-stub-templates/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 14:54:28 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Stub Template]]></category>
		<category><![CDATA[excel pay stub template]]></category>
		<category><![CDATA[free check stub template]]></category>
		<category><![CDATA[generate pay stub]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=5</guid>
		<description><![CDATA[
When you want to make any transactions including paycheck, payroll, paycash, the msot important thing is Pay stub template or evidence confirming your payment.
The frequently found problem is that which Pay Stub Template should be used as standard for each kind of payment. How should we know that this pay stub is enough without incurring [...]]]></description>
			<content:encoded><![CDATA[<p></p>
<p>When you want to make any transactions including paycheck, payroll, paycash, the msot important thing is <strong>Pay stub template</strong> or evidence confirming your payment.</p>
<p>The frequently found problem is that which <a href="http://www.paystubtemplate.net">Pay Stub Template</a> should be used as standard for each kind of payment. How should we know that this pay stub is enough without incurring any tax problems. Should we use blank pay stub and fill in details ourselves?</p>
<p>If you search in the Internet, you will find a diverse variet of pay stubs, for example, excel pay stub template, payroll stub template, pay stub calculator, paycheck stub template and blank pay stub. These templates can help you initially and be guidelines for you to develop your own stub. What you need to take into consideration when creating pay stub is your paying process. You should make sure that your document (pay stub) cover all aspects.</p>
<p>I will try to gather all the information about pay stubs. Hope it will be useful for you to some extent.</p>
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		<title>How Do I Get To See My Spherion Pay Stub</title>
		<link>http://www.paystubtemplate.net/how-do-i-get-to-see-my-spherion-pay-stub/</link>
		<comments>http://www.paystubtemplate.net/how-do-i-get-to-see-my-spherion-pay-stub/#comments</comments>
		<pubDate>Sun, 10 Apr 2011 03:20:49 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=42</guid>
		<description><![CDATA[&#8220;As a new employee of Spherion I am having my paycheck deposited directly into my bank account. What I want to know is how do I get to see my Spherion pay stub since they do not give me a paper copy like I used to get at my old job?&#8221; This is a fairly [...]]]></description>
			<content:encoded><![CDATA[<p>&#8220;As a new employee of Spherion I am having my paycheck deposited directly into my bank account. What I want to know is how do I get to see my <strong>Spherion pay stub</strong> since they do not give me a paper copy like I used to get at my old job?&#8221; This is a fairly typical question form new employees, especially those who are used to getting copy of their pay stub on pay day, whether or not they were getting paid with a check or deposited directly into a bank account.</p>
<p>Those who elect to get paid by check will still continue to get a paper Spherion pay stub just like you are used to getting from any other job. For those who elect to have their checks deposited into their bank accounts or put onto a Paycard, you will be able to use the ePayroll system to access their paystub online.<span id="more-42"></span></p>
<p>When you gain access to the ePayroll system you will be able to your periodic pay stub online. Like any <a href="http://www.paystubtemplate.net">other pay stub</a> you will be able to see how many regular and overtime hours you have worked during the pay period. You will see what your gross pay for the period and then see any deductions that have been taken out of your check.</p>
<p>This includes both pretax and post-tax deductions such as medical insurance co pays and any union dues you have to pay for example. The next figure you will see is a sub total or adjusted gross pay. This is the amount of money that is going to be taxed. You will be able to see the dollar amounts for your federal income taxes, your social security, Medicare and any state and local taxes. In this column your post-tax deductions will also be taken out.</p>
<p>The final figure on your <strong>digital Spherion pay stub</strong> is your net pay or the amount of money that has either been deposited in your bank account or put on your Paycard.  Spherion has switched over to this system as not only is it more efficient for both the company and the employee, but it has allowed the company to save significant amounts of money over the years since they it has been implemented. You will find that once you have gotten used to it, you will wonder why everyone doesn&#8217;t use online digital paystubs.</p>
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		<title>What to Look for in a Free Pay Stub Generator</title>
		<link>http://www.paystubtemplate.net/what-to-look-for-in-a-free-pay-stub-generator/</link>
		<comments>http://www.paystubtemplate.net/what-to-look-for-in-a-free-pay-stub-generator/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 05:47:48 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Free Template]]></category>
		<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=37</guid>
		<description><![CDATA[A free pay stub generator may be the ideal solution to take care of your payroll needs, make payroll fast and provide an accurate and readable pay stub for your employees. If you are a small company and have been writing your pay stubs by hand you no longer need to do so, handwritten pay [...]]]></description>
			<content:encoded><![CDATA[<p>A <strong>free pay stub generator</strong> may be the ideal solution to take care of your payroll needs, make payroll fast and provide an accurate and readable pay stub for your employees. If you are a small company and have been writing your pay stubs by hand you no longer need to do so, handwritten pay stubs have a higher risk of error from accidentally writing down the wrong numbers or them being misread. With a free pay stub generator all of the figures stay in the computer and the resulting paystub is easy to read and error free.</p>
<p>Pay stubs are an important part of payroll responsibilities that you should make sure are taken care of. This document is your employee&#8217;s written proof that they have been paid properly and their best way of keeping track of how much money is being taken out of their checks each pay day for taxes. Ensuring that you provide the best possible pay stub for your employees will ensure that frustrations and disputes over payroll are at a minimum.<span id="more-37"></span></p>
<p>When looking for a free pay stub generator there are several different things to think about, you will have the choice of templates that can generate paystubs in your favorite program, or a free paystub generator that can be downloaded as a program or used online. Each of these will have different requirements such as possibly needing to input the information each time and concerns about keeping your employees information in a web based program should be taken into consideration.</p>
<p>Templates are the far simpler of the methods but you will need to have some knowledge about how to integrate the templates with the program that you are using for your payroll. If you are to achieve this, you will find that payroll will be very simple to perform.</p>
<p>A free <a href="http://www.paystubtemplate.net">pay stub</a> generator program is another alternative that you have, there are plenty of freeware and shareware programs that will allow you to figure out your payroll and <a href="http://www.paystubtemplate.net/category/make-a-pay-stub/">generate pay stubs</a>, if you are in a pinch and needs something that can fulfill this roll right away this may be the best option for you.</p>
<p>Another thing to take into consideration is how simply a program will be to use, how quickly you can learn and set it up and how much time it will take you each week to use it. If the program is hard to set up and use then it will not save you any time and may very well make the problem of payroll worse than it was before.</p>
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		<title>Creating a 1099 Pay Stub Template</title>
		<link>http://www.paystubtemplate.net/creating-a-1099-pay-stub-template/</link>
		<comments>http://www.paystubtemplate.net/creating-a-1099-pay-stub-template/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 07:27:58 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=35</guid>
		<description><![CDATA[While a 1099 is technically a regular pay stub it is the form that is most commonly used to show how much you have paid a contract or for hire worker at the end of the year. Just like any other type of pay stub template, a 1099 form must have very specific information on [...]]]></description>
			<content:encoded><![CDATA[<p>While a 1099 is technically a regular pay stub it is the form that is most commonly used to show how much you have paid a contract or for hire worker at the end of the year. Just like any other type of <strong>pay stub template</strong>, a 1099 form must have very specific information on it for it to be used to help file taxes each year.</p>
<p>Without the right information on both the person&#8217;s <strong>pay stub template and 1099</strong>, they have no way of knowing how much they have earned in the pay period and what their annual income and taxes are. This can make it very difficult if not impossible for them to file their income taxes. It is your responsibility as an employer to provide anyone that you employ with information.<span id="more-35"></span></p>
<p>When you are looking for very basic template, you will need to find on that has a space for you to use to list your company name, address and employer identification number that is given to you for tax purposes. In general this should be all of the information that will be required regarding your company, whether you are a corporation or a sole proprietorship.</p>
<p>There will need to be a place for you to list the employee&#8217;s name, address, social security number and employee identification number if you use them. This information is required to provide positive identification of the employee for payroll and tax purposes. Without this information, there is no way to verify that the money is being paid to the right person and that all taxes being collected are being paid to the right accounts.</p>
<p>While you might choose not to list them separately on a 1099, a payroll stub template should have a section where you can list each of employee&#8217;s pre tax deductions such as medical insurance or 401K retirement deductions.  There should also be a section for any miscellaneous post tax deductions such as union dues or repayment of a company loan.</p>
<p>Finally on both the <a href="http://www.paystubtemplate.net">1099 and pay stub template</a>, you will need a section that shows gross pay for either the pay period or the total for the year. The same applies for all taxes paid and then for the person&#8217;s net pay after all taxes have been deducted. If you need a template to create your own forms, you will find that there are many different places online where you can download them either for free or at minimal cost.</p>
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		<title>Printable Pay Stub Templates &#8211; What you Should Look For In a Pay Stub</title>
		<link>http://www.paystubtemplate.net/printable-pay-stub-templates-what-you-should-look-for-in-a-pay-stub/</link>
		<comments>http://www.paystubtemplate.net/printable-pay-stub-templates-what-you-should-look-for-in-a-pay-stub/#comments</comments>
		<pubDate>Wed, 30 Mar 2011 14:33:45 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Make a Pay Stub]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=31</guid>
		<description><![CDATA[If you have decided to go in search for printable pay stub templates for your business it can be a good idea to decide what you need before you go looking. There are many different types of printable pay stub templates and it is far too easy to get one that will not work for [...]]]></description>
			<content:encoded><![CDATA[<p>If you have decided to go in search for <strong>printable pay stub templates</strong> for your business it can be a good idea to decide what you need before you go looking. There are many different types of printable pay stub templates and it is far too easy to get one that will not work for you or does not provide everything you need.</p>
<p>The first important thing you should understand about printable pay stub templates is that they are going to be attached so a program of some type. It is with this program that you will open the template, make any changes and fill it out for printing. You will need to make sure you have access to a program that allows you to do this and that you know which program you will be using before you go searching. While there are many different programs the two most common types of printable <a href="http://www.paystubtemplate.net"><strong>pay stub templates</strong></a> you will find are those that work in Microsoft Word and Excel.<span id="more-31"></span></p>
<p>Next you will need to decide what you want your printable pay stub templates to be able to do, since not every program has the same capabilities and if you want more advanced features you will need to choose program that can provide those for you. In an ideal world you would have a template where you can use the numbers from your payroll bookkeeping to automatically fill it in and print it out. This would mean that you would be able to enter the numbers one time, have the program make all the calculations for you and all you would need to do is print out the paystub.</p>
<p>While Excel can be programmed to do this, it is a fairly advanced set up and you may find that it is above your technical skills. You can pay someone to set up a spreadsheet in this manner for your business and it may even be cheaper than buying a program that does it all, but you will still need to have a fairly decent level of technical skill in order to use the program.</p>
<p>If all you want is a program that will allow you to put in the numbers make the necessary calculations and print out a paystub, printable pay stub templates for Excel can do all of this, a Word template will also allow you to print a paystub but may require more effort on your part in terms of data entry.</p>
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		<title>DIY Your Template Web Site Pay Stub for Itself</title>
		<link>http://www.paystubtemplate.net/making-your-realtor-web-site-pay-stub-for-itself/</link>
		<comments>http://www.paystubtemplate.net/making-your-realtor-web-site-pay-stub-for-itself/#comments</comments>
		<pubDate>Thu, 26 Mar 2009 21:47:51 +0000</pubDate>
		<dc:creator>Henry J.</dc:creator>
				<category><![CDATA[Free Template]]></category>
		<category><![CDATA[Stub Template]]></category>

		<guid isPermaLink="false">http://www.paystubtemplate.net/?p=19</guid>
		<description><![CDATA[If you’re a actual belongings businessperson or broker and you conceive your website shouldbe doing more, you’re not alone. Realtors are in a rattling combative playing and a beatific scheme locate module attain your playing more pay stub template successful.
A realtor’s website organisation needs to fulfill individual things. First, your factor locate represents your playing [...]]]></description>
			<content:encoded><![CDATA[<p>If you’re a actual belongings businessperson or broker and you conceive your website shouldbe doing more, you’re not alone. Realtors are in a rattling combative playing and a beatific scheme locate module attain your playing more pay stub template successful.<span id="more-19"></span></p>
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<p>Third, you requirement to be institute on the internet by google, yahoo! And the another super wager engines. That effectuation that what you feature on your website pages is important. Start by hunting at the sites that exhibit up when you wager for actual belongings agents or homes in your mart Atlantic and wager what they do. You also requirement to hit your locate traded with the wager engines, a assist that is commonly provided by the factor website companies at no added cost. If you’re creating your possess website, then you requirement to attain trusty you do this as presently as your locate is live. It haw verify individual months before google or another scheme bots encounter your site, but the results are substantially worth it. If you’re ease not sight results, you haw poverty to inscribe the services of a wager engine improvement specialist, whatever of who are acquirable as a assist by the factor scheme companies.These grouping undergo just what it takes to be institute on the internet and are worth their coefficient in gold!</p>
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