Back in 2008, Deane created her first e-commerce site the same way entrepreneurs around the world do every day: She used a free online template and linked her site immediately to PayPal for online payments.

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Joshfire Factory uses the freemium model, letting users have a basic template for free and charging for add-ons such as social network integrations, ads, statistics and so on.

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At the very least, Olson wants the agency to put a basic template on its Web site for taxpayers to file their taxes for free if they wish.

FORBES: In The Future, Tax Filing Will Be Easy