Have you ever wanted to loan money to a family member or friend, but thought out how often you were probably going to have to pester them about it and decided against it. Or wondered what would be a fair interest rate to charge and how would you calculate it. Or have you ever borrowed money from a family member and wished they could see just how much you've paid back over time. Or wondered what your monthly payment to them should be. The answer to all these problems and more can be found at www.virginmoneyus.com. Now when you borrow or loan money to family and friends its just like using the bank (including monthly statements) For a very low fee you get an actual contract to sign and office receipts, year end reports, etc... With tools like this there is no more need for banks (just an abundance of rich friends. :) )