Charter is the way to go, IMO.I'm pretty frugal too, until I get a wild hair, takes more than 2K to fill up the 50' Sun Dancer, truck gets 10 mpg, down hill!

You'd have to talk to a CPA or Chartered Accountant or tax professional in Sweden and run the numbers to know if it makes sense for you. 

The Federal Reserve is independent of the Federal Government, and while there will be places and times where it does not operate to it's charter, by and large, over a long period of time, it will be the best central bank in the world (or the least bad).

It says so in their charter. 

But, what you will find is that a bank that now owns the property, did not want to own the property (it isn't in their charter to own properties and they get "dinged" by the Feds if they wind up with too many).

I know of a guy in Austin that is applying for a bank charter so that he can issue debt without the clause in it.

Definitions.As used in this chapter, unless the context otherwise requires:(1) "Advance fee" means any consideration which is assessed or collected, prior to the closing of a loan, by a loan broker.(2) "Borrower" means a person obtaining or desiring to obtain a loan of money, a credit card, or a line of credit.(3) "Department" means the Department of Consumer Affairs.(4) "Loan broker" means any person who:(a) for or in expectation of consideration arranges or attempts to arrange or offers to fund a loan of money, a credit card, or a line of credit;(b) for or in expectation of consideration assists or advises a borrower in obtaining or attempting to obtain a loan of money, a credit card, a line of credit, or related guarantee, enhancement, or collateral of any kind or nature;(c) acts for or on behalf of a loan broker for the purpose of soliciting borrowers; or(d) holds himself out as a loan broker.A "loan broker" does not include any bank or savings and loan association, trust company, building and loan association, credit union, consumer finance company, retail installment sales company, securities broker-dealer, real estate broker or salesperson, attorney, Federal Housing Administration or Veterans Administration approved lender, credit card company, installment loan licensee, mortgage loan broker registered under Chapter 58, Title 40 and acting within the scope of its certificate of registration, or insurance company, who is licensed by and subject to regulation or supervision of any agency of the United States, the South Carolina Board of Financial Institutions, or other agency of this State and is acting within the scope of the license; and also does not include subsidiaries of licensed or chartered consumer finance companies, banks, or savings and loan associations.(5) "Principal" means any officer, director, partner, joint venturer, branch manager, or other person with similar managerial or supervisory responsibilities for a loan broker.HISTORY: 1992 Act No. 452, Section 1, eff June 15, 1992.SECTION 34-36-20.

I work as a wildlife biologist now with a bunch of fisheries guys who still do some fishing charters in their spare time at some of the major fishing resorts. 

I then continued my education by passing the requirements to become a CPCU "Chartered Property and Casualty Underwriter"  There are fewer than 25000 of us in the world, the designation is considered to be the most prestigious in our industry. 

George, the number of firms in an industry depends upon the demand for the final "product" (we don't have many typewriter repair shops anymore ... no demand) and the barriers to entry into that industry, either economic (large capital requirements) or regulatory (charter requirement).Generally speaking, as the number of firms decreases, competition also declines and the consumers of that industry's product pay higher prices for lower quantities.I would LOVE to have the only gas station in town and persuade the town council that I alone can safely deliver gasoline without risk of spills or explosions.