For example, our brother needed a brake job a few months back and his S&L was giving him shit and wanting to charge usury fees, etc, he could have taken a loan from this fund and told em all to feck off.
Collectively we could have lent him the money and it wouldn't be as much of a burden as say one of us lending the full amount. Then when when things are better, he could pay back the loan without worries or we could even forgive the loan if need be.
Keep it simple, honest and straight forward and it works. This is a collective insurance fund to keep all family members safe in times of need, NOT a get rich scheme or slush fund.
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