A quick online loan can help you save money

Too often, your paycheck is spent the minute you get it. You pay a few bills, make a trip to the grocery store, and fill the tank with gas.

You’re almost tapped out.  Fortunately or not, your kid mows the lawn just like you asked him to. In fact, he does a great job. You hand him ten bucks, as promised.

It’s payday, and already the countdown has begun. Will you be able to make it for two weeks on $50? It can be done. You’ve proved many times that it can. But what if something goes wrong?

Borrow money before it becomes an emergency

Twice in recent weeks you’ve had to jump the battery to start the car. What if a jump start doesn’t do the trick next time? The water heater’s been knocking and if you were to be honest about it, you’d have to admit that really, the hot water hasn’t been all that hot lately. What if the water heater conks out before payday?

Some former colleagues asked you to meet them for dinner tomorrow night. You’re hoping it turns out to be an informal interview for a better job. The place they want to meet is spendy. You think they’ll pick up the tab, but what if they don’t?

Borrow money if you know you can pay it back on payday

The bills are paid. There’s food in the house and gas in the car. Do you put life on hold until next payday? Or do you borrow money today and do the things you need to do?

There’s nothing wrong with getting a personal loan when you know you’ll be able to get by comfortably on your next paycheck after paying it back. In fact, there’s a lot to be said for getting cash today and being prepared for the unexpected.

Borrow money today and sleep well tonight

If you need cash today and you know that getting a loan till payday won’t put you farther behind, it makes good sense to borrow money. A fast cash loan can spare you unnecessary expense. For example, why not buy a new car battery now rather than wait until the car won’t start again and you have to pay for a new battery plus towing?

If you think things through and borrow wisely, a payday loan can help you come out ahead of the game. When you’re down to your last few dollars and worried about how you’ll make it, a little cash until payday might even let you save some money on those expensive sleep aids.

APPLY HERE to borrow money

Many persons who first apply for cash loans when short-term financial emergencies appear upon the horizon are quite pleased and surprised to find not only that they can make a quick application and be approved the same day for a same day cash loan. They may also receive the needed funds in their checking account (on the date of approval).

The funds distributed to a same day cash loans borrower may be repaid as soon as the applicant’s next paycheck. However, be advised that the terms of the payday loan will vary from one lending source to another.

We All Need a Lifeline Now and Then

When you are seeking same day cash loans you will need to access funds through stores and sites dedicated to cash advance services. PersonalMoneyStore.com is a good choice for you. For any individual that finds him or herself in a financial emergency circumstance, same day cash loans can prove to be a financial lifesaver.

Same Day Cash Loans: Simple to Apply!

The borrower seeking short-term financial relief through a same day cash loan must be able to fulfill the following prerequisites before loan approval can be granted:

1. The individual seeking a same day cash advance must be eighteen years of age;
2. He or she must have been continually employed for a period of one year;
3. The applicant for same day cash loans must have a current and active checking account.

Convenience of No Credit Checks or Collateral

Many individuals appreciate the benefits afforded to him or her through the concept of same day cash loans:

1. No credit checks is perfect for the candidate seeking to receive short-term funding and possesses less than a perfect credit score; and,
2. Same day cash loans, due to their ease of application, are not designed in such a manner as to require collateral of the applicant. Generally, same day cash loans require payment upon the applicant’s next payday.

Get Your Online Payday Loan HERE!

It starts the minute you get your paycheck. Some people call it living on a tight budget. Others call it living from paycheck to paycheck. I call it the Payday Race, because that’s exactly what it is. Every pay period, you have one goal: Make it to the finish line before your bills do. You stretch every dollar, but once in a while you need an online cash advance to stay ahead of the pack.

Fast cash loans beat the electric bill

The electric bill needs to be paid soon. But if you don’t go to the grocery store after work tonight, you’ll pay the electric bill in the morning and then you may not have enough money to buy food for the week. You get the groceries and hope against hope that the electricity isn’t cut off before next payday. Luckily, this is a relay race and you have fast cash loans for an anchor. You know that when push comes to shove, you can hand off the baton and let a fast cash loan run the final leg.

Fast cash loans beat the daycare bill

Your kid’s daycare bill is overdue. But if you pay that now, you won’t have enough money to pay the repair guy who’s coming to fix the washing machine tonight. You pay the repair guy, get the laundry done so your kid has something to wear to daycare, and hope against hope that the daycare people don’t say anything about your bill before next payday. It’s going to be a close race, but if you can’t go the distance against the daycare people, you know a fast cash loan will bring home the win.

Fast cash loans keep you in the running

No one likes living this way, but more and more people find themselves in a Payday Race. And more and more people need fast cash loans just to stay in the running. In today’s economy — where prices are up and wages are down — it’s great to be able to fall back on fast cash loans now and then. They’re easy to apply for online and the funds can be deposited to your bank account very quickly. There’s no credit check and no need to fax anything. Fast cash loans are absolutely hassle-free.

Fast cash loans aren’t for long distance relays

A fast cash loan is an invaluable resource when you’re short of cash today and know that you can get by on your next paycheck after paying the loan back. Get a fast cash loan when it makes sense, but don’t depend on a second fast cash loan to pay off your first fast cash loan. Doing that can turn your standard Payday Race into an unbearable endurance event. So borrow wisely, and I’ll see you at the finish line.

Apply here for Fast Cash Loans

She may look like your typical thin, blonde Brit pop singer, but more people are starting to take notice of Natasha Bedingfield after her Today Show performance this morning.

Natasha Bedingfield has performed on the Today Show before, and I guess the audience just couldn’t get enough. Today, Natasha Bedingfield performed her hit single “Pocketful of Sunshine” and her version of Madonna’s “Ray of Light.”
You can WATCH A VIDEO of Natasha Bedingfield’s performance at the Today Show web site.

Being Natasha Bedingfield

Turns out there is more to being Natasha Bedingfield than just making money with her great singing voice. She also donates her time and money to organizations including Global Angels and the American Association for Cancer Research. Maybe next time I need a fast cash loan I’ll just ask her for help.
It probably won’t work, though. Natasha Bedingfield doesn’t have a history of helping people who were irresponsible with credit cards in college and now live paycheck to paycheck because of it. Her main philanthropy has been for Global Angels, which helps orphans and sets up refugee camps for former child prostitutes.

Natasha Bedingfield’s career

Natasha Bedingfield released her first album, “Unwritten,” in 2004. The album made it to the No. 1 spot on the UK Album Chart. It sold more than 800,000 copies in the U.S. Her second album, called “N.B.” in Europe was released in 2007. It was released as “Pocketful of Sunshine” in North America in 2008.
Natasha Bedingfield currently is working on a new album, when she’s not performing on the Today Show, and she says it will be released next year.

Charitable blood

Natasha Bedingfield was born in London, and her parents are both charity workers. She took interest in music at a young age and formed a musical group with her siblings when she was a teenager.
Natasha Bedingfield went to college for a year at University of Greenwich before deciding to focus full time on singing and songwriting.

Natasha Bedinfield ties the knot

Natasha Bedingfield got married this year to documentary filmmaker and businessman Matt Robinson. She talks about married life in her interview with Today’s Matt Lauer. She also talks about covering Madonna’s song and the songwriting process.
This is Natasah Bedingfield’s third appearance performing on the Today Show. Her first was all the way back at the beginning of her career. Wikipedia says:

She has confirmed to be writing for the new album while on holiday in New Zealand, she says “I’m here for a couple of weeks to do a bit of writing. It is such an inspiring place to write music. I love coming here as often as I can, usually once a year to fuel up on ideas for my next album”. She has also confirmed she is working with Brian Kennedy who produced Rihanna’s hit single “Disturbia.”

Natasha Bedingfield has won several awards, including UK Solo Artist of the Year in 2005, Capital FM’s Best Newcomer in 2005 and Best Pop Artist in 2007 from the BT Digital Music Awards.

SeniorDiscounts.com says it’s “the number one spot for for information on age-related discounts.” It’s a database of more than 150,000 businesses that offer discounts for seniors or “over-50 discounts.”

To see the full database, you must register and become a member at seniordiscounts.com. You also will have to pay a small membership fee for full access to the database, but it’s a small amount so you won’t need a fast cash loan to pay for it.

Free Basic Membership at seniordiscounts.com

There are three levels of membership at seniordiscounts.com. The site says the Free Basic Membership for over-50 discounts includes:

• A subscription to our weekly email newsletter which includes news about senior discounts, hot deals, polls, and a trivia challenge with great prizes.
• Access to our discussion boards, blogs and our News & Articles section, enabling you to have discussions with other discount-minded seniors and keeping you up-to-date on the best strategies for finding discounts.
• Access to other senior discount related news and events.

While these are certainly good perks, and you can’t beat the price,the real strength at seniordiscounts.com lies in the database of 150,000 businesses that offer over-50 discounts.

Gold Membership at seniordiscounts.com

In order to have access to the full database of over-50 discounts, you  need to purchase a Gold Membership at seniordiscounts.com. It’s only $7.95 per year. Gold Membership includes:

• All the information and access of Basic Membership
• Total access to the discount database, which allows you to see all 150,000 discounts.
• Complete contact information for all discount providers, including discount information, business details, and links to business web sites.
• Ability to read and post reviews of businesses and discounts.

Premium Membership at seniordiscounts.com

The Las Vegas Hilton is offering exclusive over-50 discounts.

Seniordiscounts.com has partnered with some businesses to offer exclusive, members-only over-50 discounts. Of course, that’s going to cost you. The Premium Membership costs $12.95 per year and includes:

• All the benefits of Basic and Gold Membership
• A SeniorDiscounts Card entitling you to exclusive members-only discounts
• A copy of SeniorDiscounts’ Guide Book, which is a printed version of our discount database – a $14.95 value. (Additional $4.95 Shipping and Handling)

Ah, $12.95 per year, plus you must pay for shipping one of your extra benefits to you. I’d say you should stick to the Gold Membership, but I don’t know what the exclusive, members-only over-50 discounts are, and it’ll be a few years before I can find out.

Over-50 discounts near you

Because the database at seniordiscounts.com is so huge, there are a few ways you can look for discounts. You can search based on location using your zip code or city and state.

The homepage at seniordiscounts.com also gives you the option of searching for over-50 discounts in some specific categories: dental, driving, travel and some rotating over-50 discounts. For instance, right now there’s an exclusive offer from The Las Vegas Hilton.

Types of discounts

Here is a partial list of categories of over-50 discounts at seniordiscounts.com:

• Airlines
• Auto services
• Car rental
• Communications
• Cruises
• Arts & Entertainment
• Food & beverages
• Golf
• Health & nutrition
• Home & garden
• Legal & financial
• Lodging
• Medical & pharmacy
• Movies
• National & state parks
• Pets
• Personal care & services
• Restaurants
• Shopping & retail
• Sports & recreation
• Transportation services
• Travel agencies
• Computers & internet

Since I’m so interested in fair and balanced coverage, I’m going to clue you in to a ridiculous spotlight grab. But before I do, I need to make something clear. I am a father with a young daughter and an even younger son, so I do not support the exploitation of children in any way, shape or form. And what David Letterman and Sarah Palin are doing is exploiting children during this controversy over his off-color jokes.

FireDavidLetterman.com is attempting to militarize conservatives who support Palin (are you sure about that, conservatives?). It’s asking for sponsor boycotts, blog posts, social media ramblings and other showings of righteous indignation. Without it, beloved Sarah will fade back to Alaska as her level of political competence suggests she should. With her blow-hard cause, Sarah hopes she’ll stay on the radar screen and crawl through the mud toward 2012. Along the way, she’ll probably mouth off about some kind of anti-fast cash loan legislation so only those who don’t need money can borrow money. Because that’s the kind of thing banks and politicians do.

Hateful accusations

But fire David Letterman? Hardly a productive response, as America now looks to its comedians for news and inspiration. They have become a class unto themselves, where “the joke” hovers in a realm of its own, staring down at the politically correct hogs wallowing in the mud. Everyone crawls on their bellies there. If the time ever comes when the religious-military industrial complex is allowed to prosecute comedians for their jokes – for free thought, regardless of whether it’s cheap or not – we will be giving up the reins of a free, enlightened society.

David Letterman admitted the jokes he made about Bristol Palin were “in bad taste” and that he was going for “cheap laughs.” Jokes about children that address them on sexual grounds should always be considered off limits. The two-pronged crux of Letterman’s defense – that he wasn’t talking about Palin’s 14-year-old daughter Willow and that it was a joke – explains things a bit, but ultimately it is weak. However, we must not allow political facades like Sarah Palin to take America in the direction of “1984.”At that point, we sacrifice our children and our very lives to that which is cold, hard and inhuman. That which is un-American.

Don’t believe me? Some in the media have compared Letterman’s jokes to Jeremiah Wright’s anti-Semitic hate speech? Get a grip, preferably of something solid. Like a straitjacket. I can see Sarah Palin’s whirlwind from my house, and it spells nothing good for America. Yet she’ll attempt to ride it to 2012 and the next presidential election, regardless of what a sadistic joke it makes of her own children’s lives.

America, here are your comedians!

“The Comedian” Eddie Blake in Alan Moore’s “The Watchmen” claims that only he can understand the world’s sadistic joke. What is the sadistic joke that both David Letterman and Sarah Palin fail to understand? Letterman’s jokes (which he likely didn’t write but did have the chance to review) went too far. That it’s only comedy is not enough of an excuse. A more formal apology would show some class, perhaps with Palin as a guest on his program.

But FireDavidLetterman.com is not a measured, appropriate response. Instead of handling the matter privately like an adult, Sarah Palin has chosen to continue to make a media circus out of her family. The level of narcissism at work here is staggering, and if she had more to back up the popularity rankings in Alaska (where the general populace is either apathetic, uninformed or in cahoots with her “Bridge to Nowhere” and “Troopergate” offenses), she’d be dangerous. As it is, she can’t even bloody Letterman’s nose (figuratively speaking, of course).

Ratings boost for Late Night?

Sure, why not. You know it will happen, as Entertainment and Show Biz suggests. But Ken Tucker of Entertainment Weekly sees a way that this can be handled without giving the Alaskan publicity machine grease for the gears. “Clam up,” Tucker says…

Don’t give Gov. Palin any more material to react to. From her Today Show interview alone, it was obvious that no matter how much Matt Lauer tried to raise serious questions about various overreactions to your jokes, she’s glowingly happy to be in the national spotlight again and doesn’t want to give it up any time soon.

The Live Feed agrees. points to Palin’s “icky” overreaction as “an increasingly dramatic media spectacle centered around her underage daughter’s sexual well being… an opportunistic overreaction that would seem more damaging to her teen’s self-esteem than the original joke.” I couldn’t agree more. So you say David Letterman is like a sex offender? Really? Is that something you can see from your house when you’re warning America about those deconstructing economists?

Feed makes a fine comparison: “It would be like Jay Leno making an inappropriate hypothetical joke about a terrorist plot to blow up the White House, and Barack Obama reacting by accusing Leno of being a national security threat.”

Criticize the pit bull, the pit bull wins

Guess that means I’m helping her win as well, huh? As of now, I will officially stop.

If you want America to give birth to more Eddie Blakes who kill because “it’s the only thing that makes sense” in a world gone mad, give this woman media play. I do not support violence, but that’s exactly what you’re going to get if you allow people like her to continue to simplify politics into a ludicrous “with us or against us” scenario. The shred of influence Republicans now hold – particularly those who cry out to fire David Letterman – is tenuous at best. If Sarah Palin is the best they can do, they should be embarrassed. Live Feed says it plain:

Don’t buy into the strategy of playing the victim while throwing divisive, low-blow punches – are offensive in a way that ought to transcend ideology or gender. Her biggest impact always seems to be convincing Americans to start fighting with each other, a pied piper of online message board anger.

We can do better, no joke needed. I’ll borrow money with a fast cash loan if it will keep sexual jokes about children and pointless political hacks off the radar screen. We need to focus on more important things.

Related Video:

In economic times like these, adult children move back home in droves. The most recent census figures show that 56 percent of men and 43 percent of women ages 18 to 24 live with one or both parents, and an estimated 65 percent of recent college graduates have moved back in with their parents.  As of 2008, 5 million adults aged 25 to 34 were living with parents, up from the 4.3 million that did so in 2004.

A matter of economics

This dramatic increase in the number of young adults living with parents is firmly anchored in economics. For young people, joblessness is on the rise and so are debts, especially educational loans. Many young people who are lucky enough to have jobs live from paycheck to paycheck. Worse, they live from payday loan to fast cash loan to cash advance.  For many young adults, especially recent college graduates, it makes good economic sense to move back in with Mom and Dad.

Happy to help, but . . .

Parents may be happy to help out, both emotionally and financially, but supporting adult children can quickly jeopardize the parents’ financial future and retirement prospects. According to Mary Bold, author of “Boomerang Kids” (Center for Parent Education, University of North Texas (2001); web page: www.unt.edu/cpe/module1/blk5boom.htm) an adult child’s return to the nest works best when these factors are present:

• The adult child pays rent or contributes to the household in a tangible way.
• The adult child gets along with the mother. (The relationship with the father seems to be less important.)
• The return is a one–time, temporary event.
• The parents are in a long–term marriage.
• The return is transitional and based on a clear-cut need.
• The adult child is cheerful and good company.

Make it work for everyone

According to Bold, a clear meeting of the minds on issues like house rules, departure date, and specific responsibilities will help ensure the boomerang kid’s successful transition to independent living. Most importantly, if financial issues are what brought the adult child back home, parents should not provide a bailout. Instead, they should demonstrate how to avoid new debt and perhaps match debt-reduction payments on the condition that their fledgling put away the credit cards and live within his or her means.

Photo: http://www.honeymoonsinc.com

In a world as uncertain as ours, happiness rarely comes knocking at your door. You have to make your own way and claim the life you want to live. A difficult economy has made everything that much more difficult, including our personal lives. It typically takes money to go on dates, and when the budget is short, it is sometimes prudent to look to the aid of a fast cash loan or other instant loans when in need. Used responsibly, they can be the difference between meeting that special someone before payday rolls around. It could be the start of something good.

That’s what a certain class of men and women are finding with the new Web site Established Men. Logging on to and using EstablishedMen.com is free during the trial period, but for the targeted clientele, fees aren’t a problem. This is an online dating site for “Established Men” and “Princesses in need.”

Helping “Princesses in need“

Established Men founder Simone Dadoun-Cohen describes herself as “a young, ambitious woman looking to catch a break.” That’s where she once was in her life. She faced hard times and resorted to a profession where she could use her appearance and physical skills to make ends meet – exotic dancing. It wasn’t what she wanted to do with the rest of her life, but Dadoun-Cohen was doing what she could at the time.

Yet it was a chance encounter that led her to discover one of those “established men.” She calls it fate, but whatever the case, this gentleman became a “supporter, mentor and benefactor.” After 10 years, Cohen married and Simone is now “living the lifestyle of her dreams.” She decided not long after that she wanted to help ambitious women who were perhaps handicapped by financial and social strata constraints.

That’s where Established Men comes in. EstablishedMen.com knows that “the current economic situation has made it harder than ever for today’s young, aspiring women to achieve their life’s ambitions.” So Dadoun-Cohen made Established Men a place where “beautiful, ambitious women” could meet “successful, sophisticated men.”

Is this a legal service?

I’m not a lawyer or officer of the law, but it appears that way. Witness this question in Established Men’s FAQ section:

Q: Can I advertise my services (e.g. escort, dating services)?

No. You may not advertise your services on EstablishedMen.com. Anyone caught doing so, will have their account canceled and will be banned from using our website. Please do not advertise your dating services or escort services on our website. Advertising such services violates our User Agreement, and as such you may be accessing our website without authorization or permission from us. Unauthorized access is a felony offense, and we reserve the right to seek legal action against you.

I won’t make any claims for whether EstablishedMen.com empowers Princesses or not, or whether it is the dating site for you. If it sounds good to you, check it out at http://establishedmen.com/. But be sure to check out the video at the end of this article, too. It provides some pointers on things to keep in mind before getting involved in online dating.

Speaking of money and dating

There’s more of a focus on finance in the dating world that usual these days. Recessions have a way of changing people’s focus. Recently, Scott Mayerowitz reported for ABC News that a potential mate’s financial health is not to be overlooked if you’re hoping to avoid excessive use of the fast cash loan store for instant loans. Once in a while is OK, but don’t make a habit of it.

Men who “treat women like money”

The lonely hearts are out in force during this recession, but they’re more finance-conscious than ever, says Mayerowitz.

“Financial stability is one of those markers that somebody is responsible and mature,” said James Houran, a relationship psychologist. “Men tend to treat women the way they treat money. Women know this, and they’ll look to see how do you treat your mom and how do you treat your money.”

Experts believe that those careless with cash tends to focus on instant gratification. Those who cling to their money may not have room for another love.

“It’s a control issue. Men want to control money, and that carries over to their personal life as well,” claims Houran.

Sexy credit scores… just a click away

Daters are paying attention to the signs and making their decisions based upon when they see. A recent survey on Match.com showed that 84 percent think about finances before accepting a maiden date. Yet there is some open-mindedness at play here: 71 percent answered that they’d date someone who’d just lost their job.

Some dating services even cater to those who want to know how a date handles their money. Services like CreditScoreDating.com (where “credit scores are sexy”) are popping up all around the Web. And it isn’t just women looking at this. Apparently, men are looking even more at “what she could bring to the table,” claims Judy Kuriansky, a clinical psychologist who once hosted a radio advice show called “Love Phones.”

Money talk is no longer taboo

Kuriansky heard plenty of talk about dating, sex and children on her call-in show, but the topic of money was scarcely heard. People used to be too polite to breach this topic, but did it really have to be so taboo? Money not only enables people to show a date a good time, but it is a part of the sharing that goes on in more serious relationships. Talk about it before you make the leap.

Single parents in particular are focusing on it, says Kuriansky. This is because saving for their children’s education forces them to reevaluate all of their financial choices, including dating and relationships.

Murray Straus, sociology professor at the University of New Hampshire, calls a spade a spade:

This may say crass to you, but people trade off their assets. So a man with money trades that for a woman of beauty. Women use their attractiveness to get a mate that has the economic resources for a good life.

People generally look for someone who is like them and that doesn’t matter whether it’s money, education, IQ, religion or beliefs and values. We also know that marriages are more successful when people are more alike at the time of marriage.

This is not to say that we are bound by these old models in our dating lives. But the models are very real. There will always be people that follow them.

If he’s a lump, keep shopping

Diane Mapes, author of “How to Date in a Post-Dating World,” knows that people have always tended to seek out mates who are hard-working and ambitious. It’s an attractive characteristic. Unlike the past, however, people now are unafraid to speak openly about this decision-making process.

“Right now everybody and their brother is out of work, or losing a job or knows someone who is out of work. The topic is in the air, so people are talking about it a lot,” she said. “As the screws tighten financially on all of us, these topics come up more.”

As do instant loans and where to find a fast cash loan. Whether you’re a princess, one of those established men or simply a person who wants to share your life with a special person, talk of personal finances is all the rage.

Related Video:

When you go to a payday loan company and take out a loan, it is expected that you will repay that loan within the agreed time period. Typically, this period is two weeks. If you do not repay within the allotted time period and also fail to repay your loan with an installment plan as some lenders offer, it is reasonable and within the legal rights of pay day loans companies to attempt to collect outstanding debt.

Apparently, Federal Way in Washington State thinks that we should instead live in a financial Never Never Land where borrowers do not have to be “burdened” by the responsibility of repaying their debts. Owen Lei of KING 5 TV News in Seattle reports (http://www.king5.com/localnews/stories/NW_021809WAB-fast-cash-suit-KC.2d9ffad9.html) that the Federal Way lender Fast Cash Loans will pay $2.5 million in court settlement with former clients who sued because they want to fly kites rather than be adults and pay their debts.

But isn’t the lender being defrauded by negligent borrowers?

Customers involved in the class action against Fast Cash Loans claim that voicemails left by representatives of the company were defamatory. Moreover, they object to said representatives presenting themselves as “fraud investigators,” according to Lei. How is that inaccurate? Hasn’t Fast Cash Loans been defrauded by customers who don’t pay?

Pacific Financial Holding, the parent company for Fast Cash Loans, will pay $2.5 million to end the negative publicity, although they maintain there has been any wrongdoing on their part. They will continue to offer payday loans.

Legitimate means, legitimate ends

“I guess everybody’s reaction when they listen to them is outrage, when you listen to someone being so… arrogant, I believe is the word, about their abuse,” said Michael Kinkley, an attorney for the plaintiffs. Mr. Kinkley, you’re wrong. People who are fed up with people expecting bailouts when they have been irresponsible are NOT outraged. They’re outraged at enabling mouthpieces like you who profit from the breakdown of personal responsibility in western society.

Payday loan companies are legitimate businesses. As legitimate businesses, they are entitled to protect themselves from being defrauded in any legitimate means at their disposal. As long as illegitimate lawsuits of this nature are allowed into the court systems, lawyers will profit and small businesses will lose.