should i be all ZEN and say goodbye to my bitcoins and move on having learned a lesson to keep all my address in order.

hello
I can offer 0.04btc, if interested PM or ask in my thread https://bitcointalk.org/index.php?topic=1092531.420
regards

Ok..but what if they don't pay even after our investing some funds?
No one here seems to have deposited in order to make w/d and been successful.

You guys need to stop trying to make deals with him on the loan amount. I think you're forgetting what a loan is; it's someone borrowing an amount that they'll use for a certain need, and then repay through other means.

Obviously his loan is specifically for 0.03BTC. By negotiating with him to lower the amount that he'll borrow, you're encouraging people to get a loan for more than they need. This isn't a sale, as I bet most of you want him to default so you can get the account; this is a loan, and there is no negotiating (except for collateral) for a loan.

Sure i will provide my account as collateral but not for 0.025BTC

The number of bitcoin related scams is very high, and as such it would be difficult to tell the difference between a charity that actually will use the money they receive to the cause they claim to be helping and a charity that will simply pocket the money (aka is a scam). This unfortunately is the case after most disasters and such scams are often quite successful because people often tend to be very generous after disasters.

An even greater concern is that some charities based in the middle east actually funnel the majority of the money they receive to terrorist organizations. 

PTC sites? Are you kidding? Clickers on there don't give a damn about your website and never will. All they want is to get the micro-micro-micro-payment from clicking on your website; honestly, the click-to-engagement is horrible since they won't really pay attention to what's on your website.

so now jacee is the second highest bidder after withdrawl of the bid by BruceLee007.

Only 6 hours are left in the auction. And highest bid is 0.018btc

hmmmm this might be a noob question, but what kind of things do people offer as collateral, and how do you secure the collateral?

What is considered collateral?

Collateral is something that can easily be resold to cover the loan value plus interest should the loaner default on the loan.

- The best collateral is another crypto-currency, such as Litecoin (also written as LTC).  Coins must be moderately traded on multiple exchanges.
- Some digital wares such as domain names can be considered as long as the user cannot recover it.
- Small valuable items that can be shipped though the mail - i.e. gold, silver, iphones, etc.
- Large items, such as a motorcycle or guitar can be used if you live close to the person giving you the loan.  Try localbitcoins.com

What is not considered collateral?

- Items not in hand.  Don't trust a user that promises to give you something *when* they default!  Tracking numbers only show something has been mailed - it could be an empty box.
- Future income.  You can prove you'll make xx coins in the next few days, but nothing forces you to send those coins to pay your debt.
- Identification.  So what if they can prove who they are.  Are you going to spend more money and time taking them to court on untested legal grounds?  You'll probably just walk away, like everyone does.  ID is useless.
- Games codes or similar.  To verify the collateral you need to use the code, which destroys the collateral.  Consider this a purchase, not a loan.  (Post in Digital Goods instead)
- Most new alt-coins or alt-coins that trade for satoshis are not good collateral as they can become worthless overnight.
- Paypal should never be used - they are anti-bitcoin and will rule against you 100% of the time.  Escrow can't even help, as paypal charge backs can come over 6 months later!
- Most valuable online accounts can easily be recovered by social engineering (the user contacting support to say they were hacked, and regain control of the account)  Examples:  Steam
 
When should you use Escrow?

 - Never send collateral directly to a low activity/post account offering you a loan, as they are likely to take your coins and disappear. (Collateral Scam)
 - Use only "Hero Members" or "Legendary Members" for escrow - they have a vested interest in the community with the time they have spent here.
 - Do not use a third party escrow service unless hero members can vouch for it - it's too easy to create a website, do a few escrows then disappear with a big balance.  Rinse and repeat.
- A list of trusted escrows can be found here:  https://bitcointalk.org/index.php?topic=855778.0
 
When considering the trustworthiness of a user, ignore "Posts" as there are schemes that pay a user per post.  A person can make 1,000 useless posts in one day and contribute nothing to the community.  Instead look at the "Activity" number - that gives you a more accurate tally of how involved the user is in the community.

Ignore the sob stories that users post - it's just a scam to get your coins.  If a person really is in such a situation, they can turn to family, friends or other social circles they frequent.  They are just posting in our community because the payment is anonymous and irreversible.