5. The propertyless man can not even make himself the source of income and profit to others without paying an exorbitant price for it to an owner of wealth. If, for instance, he labors for wages, his employer and others finally obtain from 25 to 50 or 75 per cent or even more profit out of the results of his labor. If he works on a farm, in a plant, or any other wealth [SN: HIS EXPENSES FOR EMPLOYMENT IN ANY SPHERE.] with capital, or works in making capital, he must in any way divide the results of his work between the owner of wealth and himself. His portion is usually paid by time in money, as wages, as a salary, or in some other way; while the whole result of his work remains, and is dispensed by the owner of wealth who is profited by him. If the propertyless person serves to an owner of wealth as a clerk, a bookkeeper, salesman, or in any other capacity, he cannot serve unless he or she is a profitable source of income to the propertied master who gives him the chance to supply his ever drained source of multiple expenses. If, further, the propertyless man leases a farm or any other wealth of a propertied person, he has always to divide the results of his labor between himself and the owner of wealth. Whereas, if the owner of it himself labors on his wealth, then, the whole result of his toil must remain as a reward to himself. And there is the difference: The tenant or the lessee is obliged to labor twice as hard as the propertied man in order to derive so much income for himself, as the owner of wealth can derive by working half as hard; and that is because the owner of property is drawing all income of his labor for himself, while the propertyless man is drawing income for himself and for the propertied man, to whom the former is a source of income by paying rent. If, finally, the propertyless man labors upon a rentable source of income, and then borrows money for improvements, in addition to the paying for that source, he thereby makes himself a source of income in favor of the creditor, by paying per cents for the loan; and, consequently, he must divide the results of his toil between himself and between two owners of wealth. The improvements, being a capital, must aid him to produce more wealth than he can produce without it; but the high rate of percentage which exists in America must surely ruin the debtor, because per cents in favor of lenders of money, etc., generally run from 6 to 12 per cent per annum; and in some cases the money sharks obtain even from 15 to 18 per cent. What then are the advantages of the propertied person and the disadvantages of the propertyless man?