I would like to start this out with a little background. I have never prescribed to the idea of handouts to those who refuse to help themselves. I have always considered myself to be a practicing Capitalist, believing that hard work and perseverance are the solutions to any financial setback. I feel like this thought process has served me well, in spite of the fact that I was raised dirt poor. My mother, bless her heart, raised my brother and I as a single parent earning minimum wage througho...