Ok, the topic has changed, I'll chip in :)

> There you go... you have validated my point. Not everyone has a credit card
> limit to throw at a business venture.

If someone can't raise a $5,000 credit line, it's probably not a good
idea that they start a business at all, and probably a worse idea that
anyone hire them.

> (By the way... credit is a path of
> raising investment capital also. Not everyone has a credit line. Would you
> believe there are people who don't do credit at all?)

I didn't do credit at all when I started my first business.  I started
it at 19 with zero "investment capital" (kind of a mis-use of the
term), and sold it when I was 22.  We used CF enterprise, and never
used credit to buy it;  instead, a client actually bought it for us.  
$5,000 is nothing in the terms of enterprise systems.

> You also have to be able to market yourself to recap your investment.

I think you mean others' investment in you - that includes creditors.

> And on the subject of a credit card... why don't we let people decide for
> themselves how much debt they want to assume.

We're already there.  If they don't want to assume debt for purchasing
something, like software, they're welcome not to.

> Some creative business
> management my provide other avenues. Let's not condemn anyone because they
> don't raise 3K for enterprise just because that is something others may
> choose to do.

No, let's condem them.  They *should* fail.  If someone's willing to
do what it takes to use the best tool, and that provides them a
competitive advantage, then there's nothing wrong with that person
putting another shop out of business.  In fact, it's a good thing.

--
Get Glued!
The Model-Glue ColdFusion Framework
http://www.model-glue.com


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