Premium account is the way to go, you pay $72.00 annually, with weekly stiphen you get back $ 57.58, pluse $3.71 ( 1000L ) bonus first year. You also get to by a 512m parcel of main land that is tier free, I use it for a satellite store. If you do business is SL you need to spend the $ 15.00 annualy that it really cost, and even that doesnt count the tier you dont pay for 512m parcel. I resisted being a Premium member to, but its well worth it.