When my wife, Cari, and I finished our higher education, we had several thousand dollars in debt that we needed to consolidate through a lower interest rate. We applied for a loan at the local bank but were turned down because we hadn’t lived or worked in that city for long. A few days later, I shared what had happened with my friend Ming, who was an elder in our church. “I’d like to mention this to my wife,” he said on the way out the door.
A few hours later, the phone rang. It was Ming: “Ann and I would like to loan you the money you need, interest
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