Be skeptical, cautious, but not all requests are scams; some are valid. Except for an institution, e.g. bank, consider any "loan" to family, friends, strangers, a GIFT. Never "loan" more than you can afford to simply write off. If it's paid back, be pleasantly surprised. If it's not, it's not. Let it go, lesson learned.
I've done it, one of my happiest memories...











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