Really? Presumably, if she is honest the 15% is a payment towards the purchase price. If she is dishonest and puts 15% down and then walks away before the purchase is completed, the money would not be refunded. That's a reasonable expectation. It's not a deposit but a part payment with an intent to purchase.
I think the last posts have been about risk analysis and the way for the OP to benefit from risk. The OP is at a HUGE risk. It's not about $200. Now let's explore the accounting in the lost opportunity cost.
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