Letter from my reader

Please please can someone out there help me. My boyfriend has been doing payday loans for about 7 and a half years and it is driving me crazy I think it is fair for me to say it is a cult and i love him dearly and dont want him to get really hurt. His upline completly dominates what he should do with his “business” and it effects our lives. He is currently at a meeting as i type! and went to one last week I can never understand y he complains of never having money but yet can find adequete money to go to a function or to buy collectable dust carriers tapes and books!!! we argue i end up in tears as he is convinced that there is no other way to earn money! don’t get me wrong i stood buy him going to functions and listening to his upline verbally bash me about my own thoughts while he never defended me but there is only so much a girl can take. I have tried the products many of then **** and i am now thinking that i don’t really have a future with this man on account of his dominating upline. how can i make my see that we can be happy together and not be bogged down with payday. please help me

This isn’t the anti-job club!

I have a choice between owning my own business or having a job. In my own business, I’d be on call 24 hrs/day, 7 days a week. When I go on vacation, I make NOTHING, but have to continue to pay my employees. I’ve seen the schedule C of people doing exactly what I’d be doing. I’d take 2-5 years to break even, and I would be unlikely to reach my present after tax income for at least 10 years. At age 45, with a family to support, I don’t think it’s a good idea to take that kind of risk. I would be ineligible for certain investments and benefits to which I have had access in both my present position and my previous position. Yeah, I could sell the practice when I retire, but most physicians do not retire, they keep working until they drop–I wonder why?

Investments are important, but you need to have capital to invest. From where is that to come? From payday loans lender? From work! And how does that capital earn income? From other people’s work. My investments lost about 17% of their value in the last 18 months. Thank goodness for the “job”. And if it weren’t for people wanting to work at jobs, businesses couldn’t function. So don’t be so quick to bash jobs.

Of capitalism, Abraham Lincoln said, “Labor is prior to, and independent of, capital. Capital is only the fruit of labor, and could never have existed if labor had not first existed. Labor is the superior of capital, and deserves much the higher consideration.”