Don't trust anyone. Only invest money that you can live without.

It appears he invests with pirate, so what is this, paying 1% - 1,5% for being able to invest with pirate and pocketing the 5,5% - 6% difference??

Patrick is the most honest and trustworthy poster that I've encountered on here.

I would be happy to deposit a lot of coins with him and hopefully I will do so in the future.

I was avoiding posting here, but I obviously need to provide (repeat) some information about my business and it is my private business and doesn't need to be disclosed.

Yes, I have a BS&T account, and have had it since 17 December 2011 (no secret, it's announced in the BS&T thread).  For a long time it sat around 4k and at the moment it's sitting at 10k and will probably stay that way until Christmas.  I'll be getting 5%/week on it as I don't expect to be attracting pass-through deposits.  Income derived from this account goes into two main activities:
1: Increasing BTC investments including GLBSE assets, mining equipment and a stake I have in things like a BTC electronics business, and
2: Cashing out funds to pay for various real-life things including various organisations like our local homeless shelter which is costing me a couple hundred dollars/week thanks to the efforts my wife makes.

Outside of the BS&T account, as of today, I have 10,794 BTC outstanding in loans and 10,586 BTC held on deposit (plus 160 in the 7Seas fund).  This is the core business of StarFish BCB and what generates the return for people looking for something other than BS&T exposure.

Great to see satisfied customers of lenders investors. This is what unregulated capitalism looks like. Here's to another successful year.

Patrick (and his Starfish Bank) has my total trust.
That is all.

Agree 100%

Total transparency + excellent business sense & ethics + totally trustworthy and personable = Patrick Harnett

+1