My beef is not that things are hard for the poor. There will always be those who for whatever reason aren't as well off as everyone else. My problem is the way that the working poor are systematically ripped off.
If I'm short on money, I can get a bank loan, draw on my credit card or take out a second mortgage. My interest rate will be between 4 and 12 percent. Someone who is "working poor" has few options other than a payday loan place. He ends up paying a usurious interest rate of 300 percent or more.
There has been a lot of trouble here in Michigan with crooked mortgage companies convincing poor people to refinance their homes, with the borrower ending up paying HIGHER interest rates than what they started out with.
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Today's Featured Article - A Brief History of Tractors in Australia - by Bob Kavanagh. After Captain Cook's exploration of the east coast in 1770 the British Government decided to establish a penal colony in Australia. The first fleet arrived in 1788 and consisted mainly of convicts who were poorly equipped and new little of farming techniques. The colony remained far from self-supporting and it was not until the early 1800's that things started to improve. Free settlers started to arrive, they followed the explorers across the mountains and where land was suitable set up farms. T
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