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Good evening Greg,

You asked: Where does one sign-up for empathy lessons? You can sign up with me. I host a daily chat on AOL that provides empathy for investors when the stock market is down. :)

You said; I said, "Automobiles are not essential. If you do not have public transportation, you are living in an area too luxurious for your income."

While that can be very true, you must not forget that in cities like Los Angeles construction workers and millions of other workers must have their own transportation to get to work. I guess folks could car pool a lot more in areas where public transportation wasn't available.

Was there something unclear about that? Perhaps you would not consider living in a rural area a luxury. Some people think, mistakenly, that they just HAVE to "live in the country." They may live in a ramshackle building, but in a low-density area with room to "stretch out"-- but with no access to low-cost public services-- which is a luxury.

Greg many folks were born and raised in rural areas and most of them sure don't consider that a luxury. They may have been born in that ramshackle building you mentioned too.

It is common for people to think that they absolutely must have an automobile to exist, or to place themselves in a situation in which they must-- a convenient excuse for justifying the luxury.

Greg, well you have to remember....we have been bombarded by Detroit telling us that we must own our own car to be independent for more than 60 years...guess all those ads sunk deeply into the American conscience. And don't forget the car replaced the family horse and carriage.

I would like to thank you for starting this thread on "law, using it to correct your credit report" and for providing us with such useful links to find additional information.

Keep Foolish with your investments and Prosper,


PS: The Market is closed Monday in honor of President's Day. Some states celebrate George Washington's Birthday, while others add in Abraham Lincoln's Birthday, too! Let's honor all American presidents by taking this Presidents' Day quiz just go to:

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