I'm not saying I would do that here, but if I was accused of discrimination, I would play that card....Sexual orientation being a protected class depends on the state:http://apartments.about.com/od/protectedclassesfaq/f/sexorientation.htm

Don't give in the the instant gratification, invest in yourself and your business and you can have a garage full of fast sports cars in your future!

If you really just love the people Ben, why not charge what I charge......nothing, LOL.It's a business and they do it for money, some may get personal gratification from helping someone, but let's not be naïve, it makes money.Follow the money, you'll find the motivation.All money isn't bad, the lack of it is the root of all evil as I believe Will Rogers said.

Delayed gratification, but can't argue with tax free compound interest if you route it to a Roth IRA.

I see one negative in that you don't get immediate gratification of the deal, but if you are in it to win it this seems like a good strategy to partner.  

Borderline sexual harassment of your sister if you consider the casual calls he makes to her in all honesty.

Along with what you stated above is the fact that "delayed gratification" is lost.

I once rented an apartment to a guy who spent 25 years in prison for aggravated sexual assault.

LONG TERM VISION & DELAYED GRATIFICATION I skate to where the puck is going to be, not where it has been.. - Wayne Gretzky The day you plant the seed is not the day you get the fruit.

Initial mailing campains arent going to get the numbers you are looking for (Instant gratification).