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Family
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Sunday 21 July 2019

Friends: Question: Crazy to loan a friend money at a low interest rate?

Friends: Question: Crazy to loan a friend money at a low interest rate?


Question: Crazy to loan a friend money at a low interest rate?

Posted: 21 Jul 2019 05:18 PM PDT

I have a friend who founded a company. He was having a rough time financially, so I loaned money to him. I could borrow the money as a "loan management account" from my bank, with my investment accounts as collateral, at a low interest rate, although he offered and we agreed that he would pay a higher rate. Now he's repaying me, and I have a contractual right to get all of the money back at the high interest rate. But he's been pretty helpful to me for some business and personal matters. Plus, he was now balking at paying the high interest rate, and he was wanting to pay just the principal and give me a share in his business in lieu of interest. I get it: I'm not being paid back on the agreed-upon terms. So I told him to just pay me back at the same interest rate that I paid to borrow the money that I loaned him- meaning that I don't make a cent, and he gets the money at the low rate that I could borrow it for. I'll just write off the extra interest. The writeoff is partially tax deductible anyway. Is this crazy? Or would you force a friend to pay a pretty high interest rate on a loan- far more than it cost you to make the loan? To clarify: I borrowed money from my bank, at a low interest rate, and turned around and loaned that money to him. I was going to make a profit by charging him a higher interest rate than I paid. But since he's now balking, I just told him to pay the interest that I was charged by the bank (plus principal). No loss to me, and I may be able to write off some of the given-up interest and take a tax deduction. So I come out ahead.

Question: Someone I know comes off rude a lot but they don’t realize it, how do I tell them to stop it without offending them ?

Posted: 21 Jul 2019 05:12 PM PDT

Question: I was abandoned last night in a dangerous place by acquaintances I knew from school years ago?

Posted: 21 Jul 2019 04:35 PM PDT

I am not a partier, but I so rarely get out and away from work and home that I felt like going somewhere I was invited to by who I thought was a friend. It was an event at the local theater and the after party was a drive into the next town over. Unlike most of the people that were there, I actually live in the city so there's no real reason for me to have a car when I can usually walk most places. But not in this case. I asked people I knew from years ago that I went to school with if they could bring me to the after party. They seemed nice enough and said sure. It was going well. The twist here is, they were only acquaintances now because they were my childhood bullies for about a decade of my life. Absolutely tortured me for no reason, and of course several others. They were and still are very popular, a generation of physical and verbal bullies. Just when I thought everything was going well, I went to get something and came back they were gone. They left me in one of the worst parts of town alone, no signal to call anyone, my card was on the fritz so I had no money. I've had plenty of rotten friends in the past, but none so rotten that they abandoned me in a dangerous place. No one would help, no one would let me use their phone. I realize I am an adult, but I exhausted my resources to get help. And I was stuck there until 2am. The guy that invited even shooed me away. And the people I went with went even admit they did it. Why do people do this?

Question: How can someone affect a person so deeply after cutting ties when they barely know one another enough to consider each other friends?

Posted: 21 Jul 2019 04:25 PM PDT

Not often do people cut ties but times when they have; it never affected me because there were real reasons that just made sense. When this person cut ties with me, it cut deep and it hurt in a way that I wouldn't know how to explain even if I tried. It doesn't make sense as to how this certain person had the ability cause an impact like that when we were never really close enough to consider each other real friends.

Question: Why are some people so popular?

Posted: 21 Jul 2019 04:22 PM PDT

Some people are so popular. They have so many friends. It seems like everybody likes them. Why? I notice popular people are always really attractive, rude, uptight, conceited, nonchalant, and selfish. I was never popular nor will I ever be. I don't know why. I am shy, quiet, unattractive, care too much what people think, and unconfident but even when I am outgoing, look kinda cute, or act like I don't care I'm still not popular. Why? It really hurts my feelings knowing some people will always be liked and respected by everyone and I'll never be liked or respected by anyone. I'll spend the rest of my life being hated and disrespected by everyone while some people will spend the rest of their life being liked and respected by everyone. It's not fair. I hate the way of this world. I'm considering taking my life.

Question: How do i look less “scary” and “dead inside”?

Posted: 21 Jul 2019 04:11 PM PDT

I'm actually a pretty fun person to be around, but I naturally look like im pissed off 24/7 no matter if im actually pissed off or not How can I change that? I do have alot of friends as it is but everyone is scared to talk to me unless i talk to them first and reassure them that I'm not in a pissy mood I've never had anyone come up to me to try and be friends with me

Question: My family is embarrassing?

Posted: 21 Jul 2019 03:46 PM PDT

When my mom takes me out with my friends she talks and when she does, she doesn't watch what she says. my sibling and a friend were planning something as well and when she got their mothers name, it was a muslim name because that's they religion. my mom said "i think the name sounds muslim" and don't get me wrong, my mom would never be racist and is very respectful of people and their religions. however the tone and the way she said it made it sound as if she was like "ew, she's muslim?" and my friend gave me a weird kind of look. also, my brother kept trying to butt into the conversation and said "you're acting like a black girl" in which i wasn't, there was a meme called "beat me up sis" and i was referencing that. that of course made him look racist in a way i think? i am self-conscious so i get embarrassed easily and my friends' facial expressions make it worse. he also said "i'm gonna snack your butt when i get home" which he doesn't do that, he was being an immature 9 year-old i guess. but my friend has sisters so and has no male that lives with her, so she had a look on her face that he's a pervert or something. and then i see my friend and her 2 sisters getting along, having stuff in common, and always having fun. i'm bored because my brothers are like the complete opposite of me. it just makes me feel jealous and embarrassed. my friends sisters and moms didn't embarrass them while they took me out! i have tried telling them this before but they were quick to argue.

Question: Do you stay to yourself Are friends really that important?

Posted: 21 Jul 2019 02:44 PM PDT

For the past 2 years I haven't had any friends. I'm starting to like this life instead of having a group of friends. I even learned that its not good to make friends at the workplace because of all the gossip. I go to work and I will be friendly but not have co workers over or go to there place and get drunk. A old friend of mine got me a job at his job once. After a while we weren't friends anymore because of the gossip he started to do. I would have 1 or 2 friends but not so many. Also maybe dating will help me meet people.

Question: What to do about this friendship?

Posted: 21 Jul 2019 02:39 PM PDT

We have been friends for 3 years however there will be no contact unless I instigate contact either text, email or talking in person. I always plan the hangouts and am always the one to make the suggestion and when we do hangout it is very brief and he always seems to be in a rush to get home and get.more involved with his other friends. When he does visit I feel it's out of convince or duty since we always try to meet when he comes home for the summer. I have always put more effort into the friendship and even though he says he will try he never emails, calls or texts. I thought I should mention that he began the friendship with me first.

Question: My grandma recently moved down the hall from my room my brother got the basement I don’t like my grandma and her gross medical stuff Advice?

Posted: 21 Jul 2019 02:17 PM PDT

It's just really awkward her coughing and sometimes puking she's always moaning in her sleep and she leaves her dog whom pees everywhere for me to care for. But the dog is so attached he cries so much. Since I'm moving it's going to be hard to make friends with her up there. I can't show my friends my room or if we have a sleepover my brother will be there. What do I do?! I talked to my mom but she doesn't really care

Question: What do I do about my best friend’s friend?

Posted: 21 Jul 2019 02:00 PM PDT

Question: What’s a nice frugal birthday gift to give my male friend mother?

Posted: 21 Jul 2019 12:01 PM PDT

Question: How can I shake someone who I think only contacts me out of pity?

Posted: 21 Jul 2019 11:05 AM PDT

Question: Is it possible to have a certain demographic not like you?

Posted: 21 Jul 2019 09:47 AM PDT

Before u all accuse me of xenophobia/racism, hear me out: I never knew that a certain demographic (I won't name them, but it's 1 gender from a certain ethnic group)—just doesn't like me, in general. I tried being friendly w/ them like I do with EVERYONE, but they just don't like me! Now, when I see one of them in real life or in the media, I just avert my eyes, cuz I know for some reason: they don't like me! LOL. Does this happen to anyone else? I don't think it's racism. Some ppl just don't like us, for personal/cultural reasons.

Question: How should I go about living my life?

Posted: 21 Jul 2019 08:04 AM PDT

I'm a bit rough on the inside. I have a kind of "street" personality, but I'm professional with a decent job, a side hustle and I am considered a successful young man in the eyes of most. Because I have passed my friends in life, my friends whose company I actually enjoy because we are somewhat alike, I can see them distancing themselves from me. I don't hear from them or see them unless I contact them first or go looking for them. I was advised that I will meet new friends on my journey through life, people who are on the same level. Now, my problem is that people on my level don't have a similar personality to me. And while I have nothing against them, I just cannot hang out with them. It's no fun at all. We don't share the same likes and understanding for everything. What am I to do? I cannot even have long conversations with my coworkers because I'm just different to most. We're coming from different places in life, and all that I have been through in life has made me into who I am, which I enjoy being. All I do at the moment is date, which is nice but a guy needs some real, true friends from time to time to do guy stuff. So any advice would be appreciated.

Question: Was I in the wrong for whining too much to a friend?

Posted: 21 Jul 2019 06:04 AM PDT

Recently, I was fired from a job and lost a friend who chided me for excessive whining. According to her very blunt criticisms, I "think the rest of the world" is my problems, and I need to "look forward to life" as I had a bright future ahead, given my high education level and professional experience. She informed me that "she couldn't deal with negative conversations" anymore and tired of "having to make me feel better." Maybe I was "whining." I did speak to her on multiple occasions about my frustrations; it was the second time in a year that I lost employment and I was particularly unhappy at the first job I lost. However, I was also undergoing treatment for severe depression that I had thought was bipolar disorder (I did not disclose that to her), so I didn't think my problems were everyone else's fault. Lastly, I tried to comfort her when she lost a job and a member of her family. I even tried to help her find employment by revamping her resume. She also asked me to borrow money due to her financial problems, though no money was ever exchanged (we had this falling out before I could help her). When I mentioned that I tried to help her through her problems, she told me "YOU asked to help me, so don't ******* make people feel bad for reaching out." She then blocked me off all her social media, and then refused to respond when I told her "thank you for telling me about the whining." What should I learn?

Question: Do you think he finds me weird or he is just feeding off my insecurity to bully me?

Posted: 21 Jul 2019 04:12 AM PDT

I am going through a very hard phase in school.I do get mocked and bullied because people find me weird there.I don't have many friends and do get bullied a lot. Ive had people tell me that the way i walk, talk, behave isn't good at all and that's why people make fun of me. I did talk to a good friend of mine and he did say that I'm not weird at all and there is nothing wrong with me. The ones saying so are just doing it to bully me but the reality is that there is nothing bad about me. My dad is abusive at home.I do talk my family about my insecurity and what I'm going through. Today my dad told me to record my walk and said that i must change it and now I'm feeling insecure again. I do believe that there is nothing wrong with me as a person and i don't think I'm weird at all.I don't agree with all those who call me weird. I don't think i am. My dad does generally find ways to hurt me. This is just one of them.

Question: Last night I had a really weird sex dream and I don't really know what its meaning could be.?

Posted: 21 Jul 2019 04:07 AM PDT

I started having feelings for a girl 8 months ago, really strong feelings. A few months went by and we turned best friends. He hangout almost daily until the feelings surprisingly disappeared. I met another girl last month and we are almost in a relationship now. I'm on holiday right now, away from everybody I usually talk to. I noticed that I stopped talking to my best friend ever since I'm on holiday but not because we argued or anything like that, we're cool and we know perfectly that we can rely on each other. But last night I had a really weird dream: me and my best friend were spending our holidays at a house, with more people. One of the boys there liked my best friend and he was chasing her all the time. It was midnight and me and my best friend were in the same room, and that boy was going to come into the room, when my best friend suddenly told me "**** me!" and I did. I think she told me that in order to make it clear that she didn't want anything from that other boy, and to make him feel jealous. NOTE: I think that I lowkey still feel something else rather than friend love for her even though I'm on a relationship, because I felt really strong things for her in the past and I think that that doesn't go away that easily. Please somebody tell me what they think this dream could mean, I feel so confused right now. Sorry for my mistakes, English is not my mother tongue.

Question: How can i make friends?

Posted: 21 Jul 2019 03:59 AM PDT

So im going into sophomore year of highschool and i would say im pretty extroverted. Im funny, smart, and kind, but not very pretty. I have some friends but most if them are very fake. I really try to make an effort to be kind to everyone and build relationships with the people in my class. I guess i just get really shy when it comes to asking "hey do you wanna hang out outside of class" since i may get rejected. I spent more than half of freshmen year alone in my class pretending like i was trying to get homework done. I think i have a very friendly personality but i dont know how i should approach trying to meet some true friends for a change. Thanks for helping!

Question: Help me, I have no friends and nobody wants to be my friend cause I have no friends. It's a vicious cycle. Now what?

Posted: 20 Jul 2019 09:49 PM PDT

Question: Is someone trying to hide their guilt if they?

Posted: 20 Jul 2019 09:21 PM PDT

Frequently do something that annoys you and continues doing it no matter how much you complain or talk to them about it, then when you become fed up and confront them about being spiteful and behaving maliciously towards you, they tell you that it's "unfortunate that you THINK they're purposely trying to make you mad" and then get their friends to help them try to convince you that you're mentally ill?

Question: Is it possible for a Chinese and Japanese person to be friends?

Posted: 20 Jul 2019 09:06 PM PDT

Question: I hit my friends vape, turns out she has a cold sore. She only hit it through her tee shirt, I washed with rubbing alcohol. Will I get it?

Posted: 20 Jul 2019 08:34 PM PDT

Question: I'm an atheist, leftist, vegetarian, and I have many tattoos, would I fit in well in Los Angeles or San Francisco?

Posted: 20 Jul 2019 08:32 PM PDT

I'm not a vegan, @anon, I guess the reason why I want to move to those places is because I can escape intolerant moronic people that think like you

Question: Do guys care how many friends a girl has?

Posted: 20 Jul 2019 08:16 PM PDT

I met this new guy I'm interested in. But he doesn't know that I don't have any friends that I'm not close to. I have been on and off Instagram for the past 5 years. And it sucks because I have to start all over again. I have many guy friends but not girl friends cause I have been betrayed by too many. I only have Snapchat and I get about 50 views but I'm worried what this guy will think that im a bit of a loner? I want to get back on Instagram but I don't even know who to follow. I make friends easily and have already made friends from my class that I've been in for only 3 weeks so far. I have friends that's insta famous but I don't want to rely on them for shout outs. Any tips? I kind of would care if the guy I dated didn't have many friends so I'm embarrassed about it. This is kind of the reason why my dating life sucks cause I don't let any guy get too close to me. My childhood friends aren't good people, I use to hang out with gang affiliated people and cut school with them and I had to cut them out of my life to be successful. Thankfully I am more successful than them today, but I wish my life was as fun as it was when I was 13. I will be 22 next week and spending it with family. Everyone's always on their phones these days and no one hardly texts me. Any tips or advice? This kind of stresses me out.

Question: Why does this guy care so much about me?

Posted: 20 Jul 2019 06:26 PM PDT

Okay so me and this guy work at the same department and I mean we talk to each other often if we come across each other.( I am not so close to him). But the other day after lunch his like you need to open up and not keep stuff to you yourself ( as in open up to him), I told him that I do open up to like my parents etc and tell them everything. His like well it's. It good to keep everything inside u. Why he care so much?

Question: How can i be better than this ex? he has moved on and we are no longer in contact for a year?

Posted: 20 Jul 2019 05:57 PM PDT

He dumped me after cheating and flirting with girls, disregard my help to bail him out from the police when he got into trouble with the law for taking upskirt videos. when he was just fined by the court, he became ungrateful and blew hot and cold and said I was argumentative over things I was concerned over between us. A few months later he hated me when I took a turn to report him three times on online social media about his upskirt crime to all his colleagues, employer, friends and online news community. He said whatever he did before should be forgiven and mine is unforgivable so everytime I felt I'm blamed for everything I took to online to expose him. Now he hates me to the core and said he would never revert his decision. I did that to show him he should not mess with me and betrayed my trust. I have ignored him for a year plus now in NO CONTACT and he said i can text him and he will reply but wont initiate because of what i did. What can I do to feel better about myself and make him regret? he moved on

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