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I agree with you, $150 can go in a few weeks if you have a few active users in the beginning, it is best to start with a much larger budget.I totally disagree, unless you want your site to die a quick death. To start PTP, you must have like $2000 for a start.
The hardest part is how to make the money because it us not possible for you to make money from a website immediately you create it. The website still needs to have traffic before you can make moneyit would cost you about 10000 or 5000 to start a profesional ptp forum it's hard but you can make some money like that surely and plus since there are not so many of them these days
I think this is why a forum always have moderators and other people that will help him or her grow the forum because this is not something that the person can do aloneIt is a very hard task and not easy for a single person and you may be required to hire mods and other staff to take care of the website and need to pay them too