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i know what a time share is i own a few ... but to be honest that 69% is bull shit my uncle is a economics major and your statistic is completely wrong if you take the amount of "poor" people that are in america and took the amount of individuals that do come to money the ratio to poor people is still very very large. what i am saying is that there is a cycle to things... in most cases...<--notice ... but yes in most cases once you are poor you don't break the cycle it is just a common fact. most people that do come into money werent "poor" by any means they came from middle class families which is different from being poor in more ways than i can describe.. i admire ppl like your mother but i can almost guarentee for the 1 that made it that there are prolly 100 if not more than didnt make and thus they continue the cycle .... there are more individuals out there than the "finacially challenged african americas" i respect everything you stand for its just that you need to open your eyes and realize that life isnt always a happy story.... o yea hard work and dedication are nothing.. i volunteer at a local homeless shelter and alot of those ppl are very bright individuals they have just not been given the chances i have been given in life...