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How may Anders Financial Co. help you?"He pointed to a chair, and I sat down. I said, "Are you Mr. Anders?" Oh, no," he said, "I'm Joseph Smith. Mr. Anders lives on the other side of the county. I'm just the clerk for this office. How can we help you?" Suppose I needed to borrow $25 for this year's taxes. How much would it cost me?" Just a moment while I get out the chart. Yes, here it is. The interest would be $10 fer the first month. However, there is a penalty clause ifen ya don't pay back the principal and interest in the first month." What's the penalty amount ta?" Well, it's pretty steep. It comes ta 400% of the principal. But that's the deal. It's a "take it or leave it" offer." Shit, That's $100 in penalty fer a $25 loan at 40% interest. So, ifen I went two months without payin', I'd owe $145. Ain't no way I'll do that ifen I kin find the money any other way. By the way, where is this Mr. Anders from; I'll bet it ain't from around here." Well, Mr. Anders is from Boston an'. Camp. She needs to learn about our children and all of the children out here." Steve," Kathy said obviously upset, "Bonita can read, you know that. We've all taught her just like we've taught all the kids to read as quickly as they could learn. The boys spend more time playing outside sometimes, but when they have quiet time, they read older kids' books as well. The kids in the daycare are getting the same treatment and are learning to each of their abilities. Kate is an amazing teacher. She has women helping her that are just as capable. That's why I want to develop a home school for our kids. If we do this right, we can get on one of our boats and sail away to anywhere we want while teaching our kids more than they could ever learn in school. I know we need to be here too, but I want to be their teacher for a while."I asked Kathy, "Have you talked to Sue, Mercy, and the other moms?" Yes, I have. All of them agree that we need to do something. They just don't know whether to take.
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