Arkad suggests that “Before thou loan … to any man, assure thyself of his ability to repay and his reputation for doing so, that thou mayest not unwittingly be making him a present of thy hard-earned treasure.” If you are considering using an agent of some kind to invest for you, how much research have you done on the organization or individual? Ask to see their track record for the past 5, 10, 15 and 25 years.