I would NOT do business with this man. He is a con artist who rips people off. He claims to be a man of God, but his actions will lead you to believe otherwise. My husbands been outta work for a while now. However, over a year ago when my husband was working, he loaned Mr. Richards money that was supposed to be payed back within a month. It has never been payed back. We've contacted him on several occasions & have got nothing but excuses.(thats if & when he anwsers the phone) On this site it says he has an annual income of over 56,000 a year, so you would think he could pay back a measly 150.00 to my husband. Especially when we've expressed to him how much we need it right now. We have 3 kids to support & my husbands health wont allow him to work right now. We really need that money. Mr. Richards is not a very honest person, & i would not recommend doing business with him.