They're not going to be real sympathetic for you staying at the old rate,

Because the old rate, if you will, didn't produce enough profits.

Long term, what's the impact? Is it worth getting $300 back and having your niece never speak to you, or is it a lesson learned on both parts and you move on?

They seemed very happy to be here.

The first byword is that lending to family and friends on a handshake is probably one of the most speculative investments you'll ever make.

Let's say Susie and Bob show up to the family picnic. He's got a new Coleman stove, he owes you money, and you're doing the slow burn.