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PaperclipPerfector  7d ago (text post)   2350 thread views

Small-Scale Question Sunday for March 30, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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What's the incentive supposed to be on your end instead of just using a bank?

That would be one of my first questions if you approached me for money!

I can tell you when I ruminated about this I wanted a person to make my interest, not a bank.

Then I realized that @Quantumfreakonomics had it right and nobody wanted to make less than the S&P 500 for 30 years, or if they did they'd buy bonds.

I also realized when someone asked for a seller's loan my very first thought was "fuck you, if you can't get a loan from a bank why would I trust you?"

I had my parents loan me part of a down payment at min interest and paid it back within 2 years. Your parents should be able to trust you enough to loan you the money and it's better for them to lever you up now than when they're dead.

"Banker won't give me money" due to bad history/cash business (often 'I make shitloads on grow-ops' IME) is the usual reason.

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