DR. WALLACE: I’m a high school senior, and I have a financial dilemma. I did some work around the house for my father, and also down the street for a few neighbors, and I’ve been able to save up some real money. Several of my friends have motorized bicycles, and I’ve always wanted one, but my father told me I’ll have to earn it with my own money plus buy all the safety accessories, starting with a good helmet.
I have the money to make this purchase now, but a friend and I came up with an idea a few months ago for a home-based business, and we would need some capital to get that started. Right now I have to make a decision because I don’t have enough money for both.
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