Like Ivie, fledgling entrepreneurs can save a bundle by selling services rather than products.

FORBES: Businesses You Can Start For Under $5,000

Loan modifications have been complicated by the way the banking industry has approached mortgage lending in recent years, selling their loans off to other banks that bundle and resell them as securities rather than holding all loans separately.

FORBES: The Mortgage Morass

Direct relationships with customers means the ability to bundle, offer personalised promotions to readers, exclusives, up-selling and cross-promotions, behavioural targeting, and more.

FORBES: Ebook Price War Obscures Larger Problem