Bitcoin Forum

I need a quick 60 BTC loan.  My money is locked up in MtGox and I'll pay 3% for each day.  I need this money within the next 30 minutes or so if interested.

Yo, buy this sweet ride man!!

http://modesto.craigslist.org/mcy/3030173075.html

Did you go for the 30cc one eventually? Good for you!

Interested in helping right now. What's the maximum time it is needed for.

PM'd.

Fulfilled.
http://blockchain.info/address/1PbdgYmGdHxGfgkDwTsaL3XYx89LBcyirx

Terms:
Maximum 1 week, @ 3% per day.

Latest repayment is 6/11/2012

Woot!! Post a pic of your sweet new bike when you get it!!

Is that what it is for?

No.

Care to share what for then? Also, will i get my funds returned after the dwolla transfer is complete?

Are you serious?  If you doubt it would be better to ask first ... or even not to lend it. lol

Haha. Awesome. Dank finally suckered someone into buying his weed for him after all this time.

I wanna see a pic of the new bike!!! ARRGHGHGHGHHHH  ??? ??? ??? ??? ??? ??? :o

Here lemme spruce up this thread..

http://i172.photobucket.com/albums/w14/stizzo46/fat-chick-on-motorcycle.jpg

Once my money goes through Mt Gox I'll send it.

Really?  This is only my dozenth or so loan.  I don't buy weed anymore.

You don't use marijuana?

To the lender: look through dank's post history. He has repaid quite a few loans, so I don't think he will default.

He once requested a large loan to purchase a bike, hence the above posts.

I don't pay for it.  If others share, I'll be more than happy.

dank ripped me off last year, paid money for a web design I never received.  Comms just stopped.

Last PM:

[
[Re: (No subject)
« Sent to: AndyRossy on: July 26, 2011, 01:37:46 AM »
« You have forwarded or responded to this message. »
Quote  Reply  Delete 
Quote from: AndyRossy on July 26, 2011, 01:21:10 AM
Hey

Are you going to screw me? If so I need to find another designer etc.  Not heard from you in a while.  Let me know if things are OK, or if you're stitching.

Regards
]
Not screwing you. 
]


Cost me 7BTC.

Dank hasn't logged in since the 5th.

Good to know. Thanks Burt

-Nick

He's probably rolling on his sweet new bike your BTC bought him!!

https://i.imgur.com/vCWBH.jpg

I don't have access to Internet other than my phone and when I can gain wifi access on my laptop. Please excuse my inactiveness, I messaged nckrazze.

How is your money locked up in MtGox?  If you need BTC, you can just exchange your money for Bitcoins on MtGox.  There's no delay.  The problem with delays come when you try to withdraw legacy money from MtGox.

We have conversed several times through PM. I believe his money was transferring from his bank to MTGox, that was the holdup. He offered to buy me 350$ worth of bitcoins this past weekend, but then we agreed he would have the money to me by the agreed term, which would be Wednesday at a rate of 15% for the entire week, which is generous because we originally agreed on 3% daily (Total of 21%).

He repaid me the principal + .54 BTC. We agreed on 15% if he could provide the coins by tomorrow, Wednesday. That is me being generous to him. However, if he does not pay me the rest of the coins by tomorrow, the generous offer will be changed back to the initial agreement of 3% per day and he will have violated the maximum time period for the loan.

Sorry, we must have had a miscommunication because I didn't know you wanted the full payment by today. I thought you would give me time for the next dwolla transaction to complete. You can choose what you want, but it will take even longer then, as I will need to transfer more money into my bank account and then to dwolla.

[popcorn gif]

I am just making it clear that you have violated the terms of the loan. I do not know how you can ask for a 1-10mil BTC loan and expect to be funded when you can't even pull through on this one. So if you are asking about what I wanted, the answer is yes, interest is accumulating as we speak, and after tomorrow, it will be 24% of the original 60, accumulating 3% every day.

Don't forget to compound the interest.

Sure thing.

I explained my situation to you, mtgox locked my money up, I lost the rest of my money in a hard situation.  Even though I recovered from that, I told you I needed time to get money back from mtgox.  With the BTC price raise, it was impossible for me to pay the whole thing.  I deposited 40 more dollars, the last of my bank account in order to add funds to mtgox.  Now it will take longer as I need to submit another deposit. 
You'll get your money, but with the choice you're choosing it will take longer for us both.

I have all the time in the world. Problem is, you don't. Everyday I wait longer, 3% is added right?

Which is why I asked if we could change that due to the situation I was in. I guess that was asking too much. Thanks for being understanding.

Since he repaid the principal it is my opinion (which can be ignored) that interest extra interest only calculated on the money that is still loaned to Dank. You cannot charge interest on money that has already been repaid and consider yourself fair imo.

I agree.  That's how it works with bank loans anyway.

Valid but,

Bad use of e-sarcasm... especially when dealing with someone who owes you money.
Does that work at a bank?
"Hey, I cant pay right now can you readjust my loan loan so I don't get screwed by my tardiness"

Hell I have overcharged by 3$ and they still charged a 35$ fee for it, even though I didn't have access to my account to see my funds.
It is the way of the world, just be responsible with OTHER PEOPLES MONEY.

No, I understand, and we worked on a deal together. Since you were unable to pay me, you owed me 21% compounded, that being 13.79BTC on the original loan. As others have mentioned, I will only make you pay interest per day on that 13.79 BTC to be fair to you, even though that is not required of me or in the deal. So on that 13.79BTC, interest will continue at what it is right now, 24%, and keep accumulating until you return the money. Thanks man, hope this helps!

You think if he's coming here for loans that he hasnt' already tapped out his family and friends?

Any update on this? I don't want to invest in the larger business venture until I know that this loan has been paid back.

You trying to steal my new house bro?

For $4.5 million I think he wants the house and the yard.

Would $5m get a tire swing on the tree in the back?

http://community.homedepot.com/t5/image/serverpage/image-id/4605iCF618C2553F9DF7A/image-size/original?v=mpbl-1&px=-1

Yeah!!

Use this tire.

Dank has run?!

It's really just greed. If you were in an unexpected situation where you had little money, I would give you a fair interest rate and time. You're not giving either. It's your choice though and your business.

You may as well just say the bolded, and leave out the rest.

Yo dank, listen up here, I'm not greedy. I've got hundreds of Bitcoins, 15 or so isn't gonna cut crap for me. My point in all these efforts to work this out is to find truth in the whole situation, especially 'cause you seem to have taken a liking of the lending subforum. I see you around a bunch. For this reason, I want to create an example to all to show the realities of lending and the end results. You promised me 3% everyday upfront for 1 week. That didn't happen. Then you want 10%, I gave you that on certain conditions. Then we moved to 15% 'cause you were late on the 10%, you couldn't pull through on that either. And now, you're 4 days late of the initial agreed 1 week term, expecting me to hop off your case? Sorry, I understand your situation but here's where reality hits you, hard. You can't expect me to be the next nice guy and let you off on 60.54BTC when you owe me 33% of the principal, coming out to near 20 coins. I am being generous here, taking the advice of some others on the thread and giving you the percentage you owe me from the capital that was never returned. That's pure out of heart to your situation. If you believe that I am still being greedy, good luck getting another loan for over a million coins. We will see you months after on that loan trying to pull through with the principal. Honestly I'm lucky on this one, getting my money back, could've been worse. But if you consider this greed, you're way out of line because that is the only reason lenders are active, either to make money, or to gain rep. I'm here for neither. My job is just to bring the reality of lending out to the open, especially those that may be interested in your future schemes.


Emphasis on that part. You chose those in the op, remember bud?



Oh, and what he said.

I did tell you, op ripped me off last year for some BTC.  Good luck seeing this money, not quite sure why people embrace this guy, he should be marked scammer and banned already.

You're taking advantage of someone in a sticky situation in order to profit more. Justify your decision as you wish, but it doesn't change the fact you'd rather make more money than help someone when something unexpected happens.  You're lyong to youraelf if you don't think that's greed.  The reason I'm not posting my situation on here is because it's personal and really doesn't need to be posted on the internet.  You gave me an extra day to pay my loan off as BTC went up 70 cents. Real helpful when it takes half a week to deposit money into Dwolla.

How so Andy?  Why have'nt I heard of this?  To say I'm a scammer is implying I am lying about what has happened. Implying I didn't lose $300 in a day unexpectedly and almost a loved one.

This is the first loan I've had trouble paying back, which doesn't mean it won't be. I'm pretty sure nckrazze is more than satisfied with the profits he's making off this loan. I'll be going to the bank tomorrow and depositing 500 or so and once again all my loans will be paid off.

One of your excuses:



Final comms from me:


You replied:


Never heard from you again.


Here's the TX, afaik we agreed 1/2 before, and 1/2 on delivery.
http://blockchain.info/tx-index/1189107/f7b41316ecfac36519fd9c62fdb2c644735211f46a6e659939d612b143452245

So, you scammed me off for 3.5BTC's and more importantly, wasted my time, I guess you're trying to move up scamming amounts day by day.

I just thought I'd give others a heads up.

I am not that involved in this thread, nor, do I care about the 3.5BTC anymore (note, this was sent at the time was BTC was near it's peak).  I just think people should be aware that you do not follow your word, and, given the lack of OTC, I guess this can be my negative feedback.

Did you not receive this message?
That was the last message in our conversation, you never replied.

I'll refund you 4 BTC though.  .5 for wasting your time.

My address is

1CYnov6d9VotbHVmC6jw7kviYskA8nF8Ax

Im not expecting anything to go there, anyway peace out, im out of this thread. I hope the best for op.  I have more time consuming things to see to.

It will when my BTC comes through.  I'd appreciate if you would take back your accusation of me being a scammer though.

Peace.

You did not deliver the design, you took my money and went back on your word.

It's your choice to return the money or not.

You never replied when I sent you the preview. I wasn't about to code a website and then find out you wanted something differently.  You're the one that failed to reply, don't blame this on me.

I replied to the preview post, looking at my inbox you did send me a message 1 week after the "Not screwing you", with some other reason to have not done it(?) not sure.  There's no way to check sent messages? (see below) - all the excuses.

I see your "preview" sent on July 22nd, it has a "Arrow" thing, means I did reply to it, the below I guess was just another reason to have not done anything, that, your family, whatever.  Eitherway, point still stands, you took money, did not deliver or return money, and as I said, I remember explicitly replying to your "preview", and, my inbox has an arrow saying I replied to it. 

I am done with this thread, make as you may, if you want to return or not the money, that's your choice.  I'm just stating the facts.  I am happy to screenshot my inbox if that'll help.

You said:
Which I responded with the last quote in your thread. I made multiple previews to ensure the changes you wanted made were done correctly. You stopped replying, do not blame me for this.  I could easily argue that you wasted my time and owe me 3.5 BTC for never replying and not following through, but I'm not.

You come into my thread months later to argue your invalud case.  You really do owe me an apology but it doesn't bother me so do as you wish.

Not quite sure if you're serious, you ripped me off

Here's the logs

http://i50.tinypic.com/2z71x74.jpg

You're a scammer, you're lucky I did not report you, like I said, giving people a heads up.

You sound very silly trying to make it sound like I did anything wrong here, by paying you.  Oh wait...

And yes, agreed, it was months ago, I let it slide, because, to be fair, it was only a few bitcoins, I had a lot of other more important things to do, was just prior to MTGox hack, and well slippy excuse characters like you wear thin soon, always trying to talk their way outta stuff.

It's your rep you're damaging.... you're not doing youself any favours, when you said "i'll send them back" you could of saved some respect, but now I really dont get your line, and you're wasting everybodys time.


EDIT: Also regarding your last thing, was just bored of your excuses, i'd already replied to your previews or w/e, you were just putting off actaully doing anything, it's like in this thread, making more and more excuses instead of just paying the guy.  How long do I keep relaying to your excuses? Nearly a week of no comms, over a week since preview, then another excuse, naw, really didnt have the time to care.

Okay, Andy.  Here is the last thing you said to me:
If you go ahead and look at your screenshot, the little thing called a timestamp will show you that I was the last one to reply, asking if you have received the second preview.

You failed to reply, stop blaming me for your faults.

Yes you replied with another excuse(?) why would I reply?

Not at all sure what you are getting at, because, you were the last to send another excuse, I am therefore in the wrong, thus you can take my money? Anyway this thread confuses me, all the info is above, if any mods wanna mark him as Scammer, go for it, OP, I hope it works out, my advice to others, dont deal with dank, he's unreliable.

Dank, I suggest you use bitinstant, then you don't have to wait for dwolla and pay penalty interest.  This waiting on dwolla excuse has got to stop, two loans I gave you were late because of this excuse and now someone else's too.

Dank, simple question:  Is the money you borrowed yours? 

No?  Then quit the fucking excuses.  This is real life.  Put down the bowl and grow up.  We're not your parents or close friends and accordingly we don't know your character.  Things didn't go as you planned?  BTC price raised unexpectedly?  Tough luck.  That's what happens.  Without nckrazze you wouldn't have even had the 60 BTC loaned to you to begin with. 

nckrazze was kind enough to take a chance and trust your character, which is a lot more than most people would do for a stranger in this world.  Just say, "I'm sorry, I fucked up, you were right" and then do everything you possibly can to get the money to him in the quickest way possible.  That is what a responsible person would do.  Are you responsible, dank?

If you got all defensive reading what I just wrote, perhaps therein lies the problem.

+1

That was the final reply, you never said anything, no excuse.

^^ this.

Learn to admit you're wrong.

What excuses are you talking about?  I've never denied responsibility for this. I've said time and time again I'll pay it once my usd converts to BTC.  I'm only stating how nckrazze probably won't lookout for you if you're in a situation like mine and need some time.

Here's an example (bolded emphasis mine):


Mt. Gox locked your money up?  You didn't consider this possibility in advance?

A "hard situation?"  Life's tough, get a helmet.

BTC price raise made paying impossible?  BTC has never been volatile in the past?

And then you defer your responsibility onto nckrazze by claiming his choices (as opposed to yours) are the root cause of subsequent delays?

Look dude, when you agree to a loan, you should make sure you have your bases covered.  In the thread where you are requesting a 1-10 mil loan (which is outright laughable), you claim that you 'manage your finances responsibly' or something to that effect.  You can't even 'manage' to pay back a 60 BTC loan in a timely manner, and when YOU, DANK, FAIL to honor your word, you blame your situation on commonplace events and act as though you're a victim of circumstance. 

No, you're a victim of your own financial incompetence.  Read what I said about getting defensive. 

Witnessed.

I wish you would have said something sooner.

Seriously

Dank I already told you, I am only going off of the terms that YOU agreed on initially for the loan. I let you off a few times, but you were unable to make it in time for the lower rates, so now I am the bad guy here? As the joint said, a loan is a loan, and in this loan, specifically, you should be glad that I have not increased the rate for your tardiness (almost a week now). I've also offered the rate to be compounded now on the money you owe me, about 15+BTC now, but I'll calculate it when you're ready, if ever. You are at 36% now, compounded.

this is what IBB is there for, you could have requested loan from IBB, I had 10 to 15 BTC available, not much but it helps.

"interest free banking in YOUR interest"

This is why I prefer to do business with you.

The joint, you must be one of the most insensitive people on these forums.  Your mom died? Too bad, should have thought of that possibility.  Lose an arm?  Not an excuse.

Your character says much about you, another person I will avoid doing business with.

Nckrazze, you let me off a few times?  You gave me an extra day to deposit money. What part of it takes 3-4 days to deposit money do you not understand?

Your deposit times are not my problem, you should have planned ahead. And yes, I let you off with 10%, but you didn't make it on time, then 15%, and neither did you there.

Surely a couple of bitcoins aren't a huge problem for an up-and-coming billionaire?

Of course I didn't make it on time, you gave me a day.  You do realize I was asking for time above anything else, right?  Don't tell someone you'll help them out if your not going to do anything that helps them.

Dank, you asked for 10% i gave it. I then gave you 15% because 10% didn't work for you. No go on that either, now you have all the time you need.

Maybe this guy has been hounded enough considering he's stated he's going to pay?

The comments about taking personal responsibility when receiving a loan are valid, but I see no reason to continue to argue the point if he's going to pay when he says he will.

Dank - I would just pay your debts as soon as you can and stop arguing with your creditors; it doesn't help you and it doesn't help them.

@nckrazze What's the status on this now? Is dank paying on X date Y?

Oh, you lost your mother and your arm.  Now I get it.  You must've paid for the funeral services and the hospital bill by yourself, and had a close friend/relative bring your laptop to the hospital for you so that you can be the honorable person that you are and make sure that you informed us about this 'hard situation' even though you're finding it difficult to press the keys, grab some tissues to wipe your tears, and push the morphine button all with one hand.

Really, you're going to go to that level?  Now, if this was actually the case, clearly we wouldn't have been hearing from you all this time.  Actually, I'm very sensitive to those in need, particularly nckrazze who is in need of his loan being repaid.  Actually, I offer a therapy service on this forum for those in need with a 100% satisfaction guarantee (no payment necessary for any reason as stated by the client) that I take very, very seriously.  Now of course, if you actually did lose your mother or an arm in the past two weeks, I'd be extremely sympathetic to your situation.  But, toss in some common sense and add a few peripheral testimonies and evidence from other forum members and we start to see a clearer picture. 


Ohhhhhhh burn.

So, due to the fact that you do not understand my situation, you're going to assume it's some nonexistent issue.  The only clear picture you see is the one you create in your head, forget the fact that you don't know the slightest bit of what happened to me.  I'm sure nckrazze needs his loan to be paid so bad, disregard his statement of having plenty of BTC.

You must be a fanominal therapist to take the time and understand your clients problems so thoroughly.

I'm siding with Scott J. If you don't know what happened, kindly fuck off.  If its that important to you, I will send you a pm detailing my personal life so you can at least know what you're talking about.

Andy, looking back at what you said, I'll give you a refund when you decide to admit you're accusations we're wrong.  You lost it when you said I am not a man of my word and called me a scammer.  Admit that you were the one whom failed to respond, which I've proven over and over again.

Basically your argument is, "Fuck this guy, he is wealthy, so I'll just completely screw over the terms outlined by our contract and keep his coins for an additional few days. My momma died!!!", right?

dank, I'd just like to remind you that you can always try to refinance the loan with someone else if you don't like nckrazze's terms. The only problem would be finding someone willing to offer better terms...

No, my argument is that I was found in a situation after receiving the loan, asked to change the loan terms only to receive a false sense of empathy. Lender replies as if he will be understanding to my scenario only to realize he only gave me an extra day to deposit money which takes half a week. So now here I am, 40 in dwolla, 500 on its way and an ever increasing interest rate because I couldn't get the money to transfer instantly as nckrazze wanted. Am I saying "fuck this guy, I'm not going to pay him"? No, but due to the fact he couldn't change the interest rate as he said he would do, I need much more money which subsequently takes much more time to get.

He's taking advantage of someone who was in a hole in order to further increase his profit margins. Good for him, he cares more about his pockets than helping human beings.  Am I still going to pay him? Yes, but I'll be damn sure to never do business with him again.

Maged, I've thought about that but I really don't care about money that much. Others will see nckrazze's greedy character and karma will always have the last say in the end.

That's right, you asked. It's a request. He denied your request. That means you stick to the terms outlined by the original contract. You didn't.

Somehow, he's the person in the wrong? There is no place for emotions in business.

He seemingly accepted my request only to later find out he gave me a whole day. How generous.  I couldn't, there was no possible way with the BTC price increase for me to have it by that date, unless he, you know, gave me a fair payable interest rate.

No place for emotion in business?  Whatever you say, I tend to do business with humans that show human like emotions.  Empathy and compasssion for example.  He's still getting his insane amount of interest paid to him, I really don't see him complaining, so why are you?

Taking advantage you say? No just using the terms you gave to me when we agreed. And I care about my pockets more than humans? Funny story here. I respect those who deserve to be respected. You have created some type of online identity for yourself with a calm and respectful tone, but you are rather the opposite. You have showed us who you really are in this thread, and if you are worried about my rep going down, no problem, I guess I am the dick here, but hey, getting my name out every few hours at the top of lending because you post a new excuse or extension to the argument? Fine with me.

Oh and I'd like to drop these off here for those who care. Just read the hard facts.

http://gyazo.com/082f2cd63d3b09543552965ae65888b8
--Should take less than a week. Yeah, right. Nearing 2 weeks now.

http://gyazo.com/110b1a846cc9c60045050c24fd4a9215
http://gyazo.com/0cc2214d3d5c59ec175003954dc6116e
--There's no sympathy in business, but I took you in man.
--Oh and that's his situation for those wondering.

http://gyazo.com/8685f6b7b1e48b664176d3d2d436dae5
--So there you go, I responded, giving him a better offer than the rates he gave. From 21% to 10% and 15%.

http://gyazo.com/66363b2cbc25892939175f0df6df17bb
--Then he goes MIA for a bit, getting me worried. But then here he comes, offering me a "no worries" like its nothing.

http://gyazo.com/b3be66e92bb436356ec89bac6af0e645
--Confirmed.

Since then I have been waiting. Hope it turns up someday. I took some of the advice of members here and decided to give him a break and ask for the rest of the interest on the money he owed me to the day he paid the 60.54. That came out to 13 some coins. He is now at 36% on those 13 coins instead of 36% on the 60BTC that we originally agreed on. Just me with my greedy character, eh?

You greedy bastard.  Sometimes you just have to make an emergency trip to the beach to relax!!!  Have you no compassion??

Heartless I say!!   ;D :o ::)

Thank you for posting our private messages on a public internet forum.  Glad you respect privacy too. Stop acting like you were going to give me a chance to pay at 10 or 15 percent. I told you I needed time and you did not acknowledge that. Might as well said 0% interest by the due date, it wouldn't make a difference with the BTC price raise and lack of funds in mtgox.

Suicide is very funny.

You blew your money on a girl?  Really?  You think that automatically entitles you to a loan extension?  And you have the balls to say that we're the insensitive ones?  Holy shit are you going to be in for a surprise in life.

Sorry nckrazze, hopefully all the free bumps helped you out.  If I had the BTC to spare I'd cover you.  Unfortunately, I don't.  But, you scored some rep points with me for being generous enough to deal with this kid and offer compromises.  Dropping out of thread now.  I really hope you get your money back.

Edit:  Dank, don't start with the suicide shit.  You have some serious issues if you think taking the chick to the beach is better than calling 911.

Nah man don't need cover. I'm clear, already got my principal back. Thanks for the offer!

Ha! Are you talking from experience? Because I can say from experience calling the police on your loved ones does not help shit.

Dank, you might want to see if IBB can still give you a loan for the interest on this one, then you wouldn't be facing a staggering 3%/day interest rate.

What is the current amount owed?

Owes me a bit over 1 coin. Everything else is fine. I'll let it slide 'cause he brought so much attention here.

Loan Repaid in Full

So how much does he owe Senbonzakura now?

15 BTC. His name fits him well. He is being passed around.

Lol... and 10million more soon to be passed around  :P

Can't deny the truth forever.

Wait, this thread is a success for you?

Not really. He owes more money now.

This is amazing.

Surely a man I want to invest thousands of dollars in for a business.

After all, the IRS is known for not compounding interest, right? And banks don't compound interest on the interest left over after you pay off the pricipal, right?

I wish I had known there was a market for it, so I could open the Bunny-Foo-Foo No-Hurt-Feelings Bank just for dank.

I'll loan any amount with a 3% daily interest rate, but all you have to do is tell me some sob story about a sticky situation after the repayment date has passed, and you'll no longer have to pay interest.  That way, you don't have to get all angry and defensive about me enforcing the terms of the loan that you requested, instead we can have ourselves a wonderful tea party with all our favorite stuffed animals and imaginary friends!

3% per day? is that like...21*52 % APR? in my country/province that is actually illegal, and lenders are forced to pay excess interest back if they receive it.

the point of bitcoins is for people to make their own decisions...but don't forget lenders have a decision to make too. you say you are informing people but wth is anyone doing offering a 2,000%APR loan without considering a possible, relatively high interest risk? bitcoin doesn't have room for stupid lenders, I think. Don't overestimate your own credit rating ability, or escalate someone else's ponzi. why don't you just leave it at that. Economics will root the rest out.

off the soapbox, and not posting on the topic anymore.

wow...just read every post, amazing. Dank set the terms, you helped him 1 with the initial loan   2 with the rate adjustment 
 and has the nerve to call you greedy when you want what was owed to you.
    crisis or not my car payment is due the same day every month.  i signed an agreement and understand the terms i agreed to.
 
I cant believe a grown man who actually is asking for an awful lot of bitcoins to open a hookah lounge cant pay back a 60btc loan and then makes excuse after excuse like a 10 year old child.

 man up. apologize to your lender and repay your debt. accept that you are at fault.     you set the terms.  you sealed your fate.

  be a big boy and admit you fucked up.
                             

I mean, I did pay him back, fully.  It's just that when something out of your control happens, like MtGox goxing your money, it takes time to resolve these things.  Never tried to dismiss fault, at the same time, fault is handed off to everybody, you know, I could blame MtGox, even though I'm not, I realize this was my responsibility and should have had a backup to transfer funds.

So in the end, I learned a lesson and nckrazze made a bunch of money.  Seems fair.

Welcome to Bitcoins.

No, that is simple interest.

Most loans charge compound interest.

1.03 ^ 365 = 4,848,272% annual interest.  :)