A man is need of some money. He recently sold his car to a friend who is paying him off weekly. He is also employed and is expecting a bonus at the end of the year.
He has 2 options:
(a) To call his mate and make an arrangement for the goods he has already sold - a percentage of the money OWED to him now to satisfy the debt.
(b) to call his boss and ask for an advance on his EXPECTED bonus, when there is in fact no guarantee that he will turn up for work between now and the end of the year.
Does that help Ho?