Sex work has its place, but from official loans, people can pay off debt, obtain a car, buy a home, start a business.
I would advise you to NOT do "unofficial" loans. If you're interested in helping people, get into the credit union business to become a bank officer. Credit unions are the easiest way modest income people can learn how to manage their money and move up in life.
If you lend money on your own and people do not pay you back, you have no recourse, whereas a credit union is lending the money of all the members with interest.
There are some people who think charging interest is usury and against the tenets of the Old Testament. Well that was then.
There is nothing wrong with profit from lending money. It is a RISK. The interest pays the banking institution for the risk they take.
Sex work helps only one person at a particular time and is only concerned with providing sex.
Lending money helps millions of people move forward in their lives.
I got all my cars through low-interest, credit union loans. I built my credit score through paying back those loans. If you do "unofficial" loans, the people you lend money to will never improve their credit scores which will enable them to get other loans, credit cards, bank accounts.
Don't do anything that is illegal. It won't pay in the long run. And it won't pay the borrowers either.
I don't see a problem with offering any of those services, beign a common problem for both not to be legal activities.
The main problem I see in case of sex work is the safety and health related issues. This is considering the sex worker is a free individual and not under a mafia.
The usual moral problem with loaning money is taking advantage of some people who aren't good at all managing money and putting them in a bigger debt. Banks have the same moral issue despite beign a legal business.
However the business exists because a loan in the right circumstances is a win-win situation for both parties. A loaner that is intelligent and follows moral principles is probably sensible enaugh to know whom to loan and whom not for the situation to be as much win-win as possible.
That's what I think as well. Both activities are somewhat neutral morally, its just that unscrupolous individuals and crime organizations made them have a bad reputation.
I think sex work leave something to be desired and that loaning money to people with interests is a good business I mean if it wasn't Banks would not exist correct and that is a good business to get into but you do need to have some collateral when you loan some money out to someone that you don't know if they're going to pay you back or not so if they don't pay you back then you have something that is worth the equivalent or more than what you loan them that being said I need to borrow some money LOL seriously though my girlfriend is stuck in South Africa and it's going to cost approximately $1,500 to get her back home how long would I have to pay back the $1,500 and how much interest would be placed upon this amount of money I'm not saying borrowing it from you I'm just saying in general
You might enjoy this series from a few years ago in the UK. You either need the law or scary people to make people pay back their loans, unless you completely trust somebody, it's not worth it.
https://www.youtube.com/embed/0fIGZOe-Oa0Here the law is applicable up to a point, and you can sort of do loans outiside of official circuits, but there are risks of course. You can use collectors but they are very limited in their actions and I surely don't want to use criminals or violent people who might get the money but hurt someone. For now I'm trying with some small loans, but if it's too hassle than it's worth I'll stop.
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What's Your Opinion? Sign Up Now!How are you going to make a profit through "unofficial loans"? How are you going to assess the risk that you won't be repaid? Are you planning on charging illegally high interest rates?
Both are legit ways of earning an income without hurting anyone
Exactly!
@gwenhwyfar The one it does hurt is the girl who is doing it when guys screenshot the filthy stuff she does on cam and put it all over the internet. Years later that will prevent her from getting a job or even wreck her marriage if he her husband at the time is shocked to see it.
@Solstice777 you’re not wrong. One of many reasons why I’m not a sex worker.
I think it’s a morality and cleanliness thing. Like housewives don’t want to spend a decade having a man’s babies, destroying their bodies and then find out that their men are hiring strange and potentially unsafe women to have sex with.
Interesting, but how does that compare to money loaning? This person claims that sex work is superior while I disagree.
Sex work is definitely more vilified. There are also far more women in sex work than in banking. So there’s a girl power aspect to it.
It is fine I guess as long as you don't ask for an excessive interest. That job has a negative image exactly because of what you said, because people have the image of loan sharks.
Well sex work isn't really a respectable career. I think it should be legal cause prostitution on the streets is much more unsafe and not regulated at all.
Some would argue that working for the IRS isn't respectable or a car salesman isn't respectable cause they try to rip you off.
And there's actually lots of people that do private lending. It's mostly involved with real estate but it's definitely a thing.
Besides I don't really see what's wrong with a loaning business. People need money for their business or whatever and you get paid back with interest. I mean that's why banks and mortgage companies exist.
Sex work brings people relief and carnal pleasure. Loaning money also brings a certain kind of relief, if it goes well, same goes for sex work. Whether either are morally wrong depends on your personal view. I see neither as wrong, but I'd argue that one's better than the other
I think neither is wrong provided no one is exploited.
I don't know the answer to your question. I don't pretend to be some kind of moral authority. I think there are issues with both concerning risk.
If you decide to become such a money lender, how do you suppose you can deal with people who don't pay you back?
For now I've experimented with taking items in pawn - they don't pay in time, I keep the pawn. But I'm also considering non-violent pressure on those that don't pay bigger debts.
What is an example of non-violent pressure?
Repeated calls and reminders, implication of slipping the secret (I've found that many family men want to keep it hush) with their partner or friends if they don't pay, make them think I'll get the cops on them if they don't pay (technically its possible but I have to claim they stole from me) etc.
One is a service and one is not.
"Unofficial loaning" is literally the definition of a loan shark, though I suppose a euphemistic one. Sex work is a moral and whereas a bank loaning you money has no morality at all, loan sharks are predatory, objectively bad.
If it were for banks, many people would have passed the Holidays starving. I offer money upfront with a very low interest.
Sex work is at least honest work. You pay your money and you get what you paid for. Lending money on the other hand is fraught with all kinds of schemes and lies and taking advantage of other people. Money lending has a long and bad history of being a very dirty business and that dates back to the time of Jesus and even before that.
Sex work can't be respected your not just trying to make a living using your body as a job your sleeping around using your body as a tool using your body for sex which should only be used in the beautiful act in marriage. deep connection in love
So what does this person think people who need loans should do?
I've done the loaning thing, and I charge slightly less than those lending places. It's a win/win for me and the people who borrow the money. As for the sex worker, how is it any different than giving massages for money?
Sex work should be opposed. Why are women used?
In that case, yes. I do wonder though why many people accept while loaning money is condemned.
What do you mean
Unofficial loaning basically means loan shark.
So that's what you meant when talking about helping and hurting other people?
Nope.
A good fuck makes someones day better, plunging them into debt doesn't
Hadn’t thought of it that way
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