呆人呆話：也說說我的3次借錢經曆。

When I was buying my first home, I was just graduated and landed my first job as a research scientist. I was 30,000 short of money for closing. I asked around all my relatives, friends, PhD classmates, co-workers, finally got more the money than I needed. I paid them all the principles and interest at mortgage rate within promised time. It\'s a win-win for everyone.

Then when I was selling my 2nd home, the buyer (a Hispanic family) cannot get the loan from the bank, then I lent them the money at the mortgage rate a little bit higher than the mortgage rate that time. They managed to payoff my loan in 2 years once they refinanced from other commercial banks. That\'s a win-win too.

第三次，親人做生意借錢，要20萬美金，本來她提出以4%借貸，我反建議不如：10萬低息，年息1%，15萬有息按流行的7%，平均也是4%。 但是我要求無息的先還，在無息的沒有還之前，所以有息的利息就漲的很厲害，我把repayment做好後，親人一看，覺得利息太多，懷疑我算錯了，她數學不好，於是專門給會計師算，會計師確認我算的準確無誤.其實這個無息的先還一確定，綜合利息遠遠高於4%，這個親人每月都還，還以她的business做抵押，她很感謝我，我也靠這個賺了不少，比炒股賺多了。這又是一個雙贏。