“Ashia, Sister” – Words & Working in Bamenda
from meganthemostofit @ Kiva Blogs from the FieldI am proud to say that I have earned two blisters in the last week: one from hand-washing my clothes (I’ve now learned to really scrub ‘em), and another from pulling the kernels off corncobs. As a woman who has earned most previous blisters from breaking in new hiking boots or rowing crew, both luxury […]
Read the rest here: “Ashia, Sister” – Words & Working in BamendaEmbracing Sub-prime: Yes or No? Part 1 - Preliminary Analysis
from Blair MacGregor @ Lendoza - news & information on p2p lending and the social finance industryOne of the controversies that I should’ve alluded to in my opening post but didn’t, was the subject of subprime borrowers; those with credit scores below 640 and whether or not p2p lending marketplace sites are embracing them as potential customers or eliminating them as targets.
Obviously, these higher risk borrowers have a higher rate of […]
Prosper.com - 05/15/08 late loan stats update
from fred93 @ Posts from all blogsHere’s the mid-May update to to my late loan statistics charts.These charts show statistics for the performance of all prosper.com loans. Each curve represents the set of loans that were created in one calendar month. The vertical axis is the fraction …
Read the rest here: Prosper.com - 05/15/08 late loan stats updateMessage for Gaelicman STOP LENDING!
from j9359 @ j9359 (my prosper experience)I was going to write a post about our most recent deadbeat borrower cyfctmcwho I believe is now 1 month late on a loan originated on 2/18 (It looks like she made one payment) and as I read through the listing I was wondering who was the big (idiot) b…
Read the rest here: Message for Gaelicman STOP LENDING!April Prosper.com Collections Update
from Mike @ Prosperous Land BlogYes, I’m alive. I took a week off for my brother’s graduation. Unfortunately, no internet where we were staying. D’oh. I’m digging back in. On to the substance:
This is part of my ongoing series monitoring collections efficiency (March’s report for co…
Read the rest here: April Prosper.com Collections UpdateProcrastination Effects on Your Budget
from Mike Smith @ Social Lending Blog - Lending ClubWaiting until the last possible minute to make a necessary purchase will usually end up costing you more. Discretionary spending often sees quite the opposite effect. Planning appropriately in both cases will have the highest likelihood of success.
When you procrastinate in making a necessary purchase, you slowly lose control of the price you are going […]
Prosper Market Survey For April 2008
from Blair MacGregor @ Lendoza - news & information on p2p lending and the social finance industryProsper CEO Chris Larsen recently released loan statistics for April that showed a growth in membership but only a slight growth in the amount of funded loans. In fact, while the amount of borrower listings increased by 700, the amount (in actual dollars) of loans funded actually dropped from $8.7 million to $8.5 million. This […]
Read the rest here: Prosper Market Survey For April 2008Concerning Trust – Part One
from Blair MacGregor @ Lendoza - news & information on p2p lending and the social finance industryThere are a number of lofty challenges facing p2p lending & other online social finance trends. One of these is the factor of trust that both lender and borrower have with not only each other, but the network facilitating the transaction. This will grow especially important as social lending looks to break more into the […]
Read the rest here: Concerning Trust – Part OneHow Lending Club Deals With 121+ Days Late
from RateLadder @ P2P LendingMuch to my shagrin, I have managed to pick a Lending Club loan that is now 121+ days late. I thought it a good time to go over how LEnding Club handles these situations… They take a different approach and it seems a much more clear cut approach from my account’s perspective.
Here is the page […]
Amazon Friday Sale: Food Processor and Tinkerbell Edition
from Lazy Man @ Lazy Man and MoneyEach Friday Amazon has a sale on a few clearance items. In the past, I’ve found that you can a nice penny on them. Just looking around my kitchen, I saved some 70% on a Cusinart convection toaster oven, 82% on my flatware, and 57% on a martini set that I almost never use anymore - so it’s not all sunshine and puppy dogs. Still, if you are going to need something anyway, it can’t hurt to look. Prices are good for today only, so pull the trigger if you are going to.
Here are some things I […]
Net Worth Update - May 2008
from Lazy Man @ Lazy Man and MoneyIt’s the middle of the month, so it’s a time to calculate my net worth. For the last 5 months or so, I’ve been pretty much break even - spending almost exactly what I’ve earned. This is not a long-term recipe for success, but it’s a lot better than many people do when starting a business. Of course, I’m aided greatly in that this website makes some money, I do some contract work on the side, and my wife earns a very good income (my net worth doesn’t take her money into account).
Due to a small surge […]
We won the Webby!
from Amy @ Zopa blogA rather belated blog from us… (hanging head in shame)
We won the Webby award for Financial Services. Huzzah!!
Thank you to all the borrowers and lenders for helping make Zopa what it is.
The Beginning - Introduction
from Blair MacGregor @ Lendoza - news & information on p2p lending and the social finance industryHi, my name’s Blair MacGregor and I want to thank you for checking out Lendoza.com.
One thing that we can get right off the bat is that I have no ties to the financial industry whatsoever. I’ve never worked in finance, nor am I employed by anyone at the major p2p lending firms. I have a […]
Kick-Ass Student Summer Jobs: The Complete Guide
from DebtKid @ Social Lending Blog - Lending ClubThe time is here, the time is now. The air of summer is nibbling at the ears of millions of college kids across the nation, and a rising hum of anticipation is heard among a student populace itching for a change of season, a change of pace, a change of something…
One thing is for certain. […]
Zopa, Lending Club, and Kiva all Score at The Webby Awards
from RateLadder @ P2P LendingZopa took the Webby in Financial Services (Mint was People’s Choice). On Zopa you can buy a CD and help reduce my loan without giving up any of your entitled interest (current rate 3.75%): Start Here When Buying Your CD
Lending Club took the Webby in Banking / Bill Paying (Mint was People’s Choice). Lending Club is […]
Greetings from Customer Service
from Terence Dela Cruz @ Prosper Blog: Prosper, the online marketplace for people-to-people lendingIt doesn’t seem that long ago that our CEO Chris Larsen made the announcement at Prosper Days 2007 that Customer Support was coming in house to SF. It’s definitely been a challenging but fun 18 months for our department. We are a close knit team that strives hard to provide the best customer service to […]
Read the rest here: Greetings from Customer ServiceCash or Credit, Both Could Leave You Spending More
from Mike Smith @ Social Lending Blog - Lending ClubIt’s long been known that using credit cards can cost you more, because of the interest and fees associated with their use. It also isn’t surprising that many people spend more when using credit. In some cases, though, the amount of the transaction may make cash a costlier option.
The reasons why we spend more when […]
And the Webby goes to…
from Luke @ Zopa Blog USAZopa has just been awarded the Webby for Best Financial Services website!
This is the second year in a row that we’ve won a Webby, and all I can say is…it rocks. Seriously. I could get used to this.
For all you Webby fanatics, here’s a dramatic reenactment of how it all happened:
Webby Presenter: (opening e-envelope) …and […]
And we’re back….
from Roma Jhaveri @ Kiva.orgThe Kiva website experienced some unexpected downtime today between the hours of 2pm-3:30pm PST. Our web provider seems to have run some maintenance tasks that brought the site down without informing us first. We apologize for the outage and are sorry …
Read the rest here: And we’re back….A Ugandan bus journey…
from willyontour @ Kiva Blogs from the FieldTrying to get a bus out of town from Kampala’s central bus park is an interesting experience. The large buses operate in a similar way to the smaller minibus taxis in that they don’t leave the station until they are completely full. There are almost 100 seats to fill so this can take anything between […]
Read the rest here: A Ugandan bus journey…How I Invested My Roth IRA This Year
from Lazy Man @ Lazy Man and MoneyAbout a month ago, I asked you to help me invest my money. I got a lot of great recommendations. As he did last year, Get Rich Slick had the most creative idea, involving options trading. Like last year, I’m sure it will do fantastic. I’m currently not entirely comfortable with options at this stage. I understand the basics of how they work, but I would essentially be putting my money in something that I don’t understand. Doesn’t Warren Buffett say that you should invest in what you know?
I looked at the other suggestions. […]
Car horns, dogs, cockerels & muezzins…
from willyontour @ Kiva Blogs from the FieldI’ve been in Uganda for over two months now and even though we’re living in one of the quietest parts of town, I’m pretty sure that I haven’t managed to make it through an entire night without being woken.
I’m getting used to it now – I’ve stopped expecting to get a solid night’s sleep. […]
Read the rest here: Car horns, dogs, cockerels & muezzins…Understanding Credit Scores
from Tom Tolman @ Social Lending Blog - Lending ClubYour credit score is the most important factor in determining what rate you will pay when you borrow money. Your credit score, quite simply, could cost or save you hundreds or thousands of dollars a year, depending on how much debt you have.
Lenders view your credit score as a representation of your creditworthiness or […]
Get a Free $25 - Expires Tomorrow (5/15)
from Lazy Man @ Lazy Man and MoneyLast month, I wrote about Revolution Money Exchange and how you can get $25 for two minutes of your time. The 10,000 foot view is that the company has some very important people in the banking industry trying to start-up a competitor to Paypal. Paypal has been around a long, long, time and has the power of Ebay behind it. This company realizes it’s facing an uphill battle, so they are willing to buy users with a free $25 for those willing to take those two minutes to sign up.
I signed up and I’ve used it to […]
Since i blogged 9 days ago Prosper now has $6,960,044 in 4+ late loans
from bamalucky @ Posts from all blogsThat’s right $6,960,044. $400,000 more loans are now at the default stage.1249 loans.
[…]
Read the rest here: Since i blogged 9 days ago Prosper now has $6,960,044 in 4+ late loansProsper Marketplace Survey Results April 2008
from j9359 @ j9359 (my prosper experience)Prosper has released it’s marketplace survey results for April 2008. You can read a copy here or go to Prospers blog and read about it along with comments by Chris Larson (CEO).Of course they put a positive spin on things and there is some good (but o…
Read the rest here: Prosper Marketplace Survey Results April 2008Consumer Finance Tips - ref.: MVP Kobe Bryant
from DebtKid @ Social Lending Blog - Lending ClubWhen Kobe Bryant was named the NBA’s 2007-2008 MVP, he completed one of the greatest turnarounds of personality and circumstance in NBA history in just under a year.
Last summer, before the season got underway, Bryant made it clear that he wanted to leave the Los Angeles Lakers for a different team. He was fed […]
The Marketplace Survey for April — More and Better Listing Volume
from RateLadder @ Rate LadderProsper released the April marketplace survey today… The comentary was from CEO, Chris Larsen.
In April, we saw the supply of loan listings with an attractive risk-return tradeoff hit an all time high and approximately double compared to the prior month. At the end of March, the supply of loan listings with an attractive risk-return tradeoff […]
Market Survey Results for April 2008
from Prosper Blog @ Prosper Blog: Prosper, the online marketplace for people-to-people lendingMarket Commentary By Prosper Co-founder and Chief Executive Officer, Chris Larsen
In April, we saw the supply of loan listings with an attractive risk-return tradeoff hit an all time high and approximately double compared to the prior month. At the end of March, the supply of loan listings with an attractive risk-return tradeoff was approximately $5 […]
Direct Deposit is the Way to Go
from Mike Smith @ Social Lending Blog - Lending ClubSometimes it’s the simplest changes to our finances that can have the most dramatic effect. One such change is using direct deposit for your paycheck.
Nearly all jobs now offer the option of having paychecks direct deposited into your bank account. Many even require direct deposit. Using direct deposit forces you to pay yourself first. Unlike […]
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