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Unfortunately, for every Russ Leatherman, there are thousands of small business owners who are not nearly as fortunate. Often these eager entrepreneurs have much more limited access to personal credit, and when they do max out their own personal credit options, they wind up owing thousands of dollars usually financed at double-digit interest rates for expenses related to a business venture that never even had a chance to get off the ground. [link widoczny dla zalogowanych] CRL reports, 25,000 payday loan outlets in the United States and annual loan volume of at least $28 billion, with almost $5 billion in loan fees paid by consumers. Life needs a lot of adjustments of which cash needs are the most recurring needs. Older men who are widowers or divorced often get remarried to younger women, and it's not uncommon for them to start second families. So when these do-over dads start collecting Social Security benefits, they may still have minor children at home. More than 500,000 children currently receive monthly payments based on a parent's Social Security retirement benefits.

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