Buying toys is fun. After all, just think about the last time you bought a car/sofa/set of golf clubs/laptop computer/big screen TV/fill in the blank. My guess is it was an exciting and gratifying experience.

This could be such a great business. Interesting losses and challenging situations translate into a never-boring job. Plus, you aren’t chained to the desk, you enjoy good pay, benefits and the opportunity for advancement, along with the chance to help your fellow human beings in their time of need. It sounds too good to be true – and it is.