I remember the 15-20% interest too well, but in a good way.
Bought a new to me truck in the late 80's and was paying those insane rates to the bank.
Being young at the time and not knowing any different if you wanted money from the bank that was the price you had to pay.
8 months after getting the truck I found a boat I had to have but again as I did not have enough cash I went to get another loan.
I needed a couple of thousand for the boat.
Luckily I had a decent loans officer who was willing to combine and re-write the loans.
As interest rates had dropped big time since I bought the truck, with the re-write I got the money for the boat, it lowered my monthly payment and shortened the payback period by 3 months.
Now I know nothing is free but had I not gone back to the bank they would have kept on taking my money at the high interest rate until the truck was paid for and I would still be wanting a fishing boat.
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Today's Featured Article - A City Guy's First Tractor - by Fred Hambrecht. After living in apartments in Atlanta for more years than I care to remember, the wife and I decided to move to the country. Humming "Green Acres is the place for me..." we purchased a 29 acre tract about 60 miles south of Atlanta. Next came the house, I could talk about that ordeal for another two weeks... But, I want to talk about my tractor! We didn't even own a lawnmower, and all of a sudden we had enough grass to feed all the starving children of the bovine world. Naturally, I talked
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