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I received great answers to my question but Donna's seems to hit home.   I do find my self feeling that I'm lacking in "real-world" SEO experience.   Luckily I love to learn and I guess its never to late to do that even at 51 yrs of age.    I am passionate about this field so going to put in 100% commitment!

I’ve been in the SEO game now for about a year with Market Motive Practitioner training/certification.  I was the only in-house SEO person at my very small company.  I fully admit I still have a lot to learn and having the Moz community helps because I have no one else to collaborate with.  Still, I would like to start offering some simple services like local seo, blogging or creating content.  Do you think these are good services to start consulting with?  I admit the tech part is still a challenge to me.

I really appreciate this answer!  I am new to SEO on top of being the only In-house internet marketing employee with an insurance agency so it helps me to learn what everyone else is using in the real world SEO industry. Organic traffic has increased 65%   in the last three months on my website but actual conversions are coming in much slower.  Measuring ROI has been difficult for me.  I’ll utilize your ideas in the future.