Jeff Harding is a real-estate investor and former lawyer in Santa Barbara, California. He is a principal of Montecito Realty Investors, LLC. He also was financing director of a home builder. He writes the blog the Daily Capitalist.
Ludwig von Mises: "Interest is the difference in the valuation of present goods and future goods; it is the discount in the valuation of future goods as against that of present goods." - Planning for Freedom