This 10.7 btc is to be repaid with pay|salary I receive weekly since 11 years. I do invest in Bitcoins with 1(sometime 2) btc I buy each pay for personnal investment. I know to trade on Cryptsys and I take advantage of panic sellers with buy when they sell in hurry for low cost, and after I sell at higher btc rate, of course.
0.7 btc is to invest at Bitbond too, I want to help fund more loans because it is slow and I like helping out, I already have 0.5 btc invested here with 4 late out of many, it's not too bad.
Well, to make it simple I will repay using fiat over 2 or 3 months, it will not be 12. Like my others I repay early always. 10.7 will be used for 5 btc with Cryptsy, 0.7 bitbond, 1 btc poloniex, and 4 at BTC-E for placing Bitcoins trades and maybe LTC depending on values at the time I set it up!!