A few years ago if you referenced the term “credit crunch”, most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions and banks, and has been [...]

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• Hey, Brother, Can You Spare A Dime? There are many ways to secure loans these days, but due to the sub-prime mortgage crisis, banks and other financial institutions have been much tighter on their guidelines to lend.  It seems you need an almost perfect credit score these days to get a low interest rate.  Now that this......
• Zopa Shuts Down US Branch Zopa, the UK based peer to peer lending company, is shutting down their US branch due as a result of toughening conditions that are currently being experienced by the US economy. Zopa provides loan services in the UK, as well as in Italy and Japan through a pure P2P style......

Continue reading → Resisting Panic: A Quick Guide to Surviving The Credit Crunch

EU leaders have recently endorsed a Euro 1.7 trillion dollar ($2.3 trillion) continent-wide emergency bailout plan for the banking industry during summit talks that occurred on Wednesday, then turned their debate to other measures that would prevent global financial crisis from completely stalling the entire continent’s economy. Numerous EU officials and diplomats including Polish Finance [...]

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• Financial Web Advertisment on RateLadder I would like to thank Financial Web for their advertisement and sponsorship of Rate Ladder, P2P No Bank, and Pro Prosper. FinWeb.com is an independent financial portal which values information and education... Educating yourself concerning pertinent financial topics is the key to making quality financial decisions. The decisions that you make......
• Bush Plans to Host World Summit to Address the Current Credit Crisis The United States President George Bush recently announced his intention to hold a world summit involving leaders from all around the world in order to discuss the global financial crisis in the near future. What he did say however is that any financial reform should absolutely not come at the......

Continue reading → EU Leaders are Lending Their Endorsement to a Continent-Wide Bailout Plan

With so much uncertainty currently present in the marketplace, one of the most vital things that you can do to invest safely in a crisis market is simply to learn from mistakes in the past. Certain sectors of the market may seem incredibly attractive in times of a crisis, it is absolutely vital that you [...]

• Beginner's Tips for Smart Investing Investing is an endeavor that can be both challenging and complicated. If you are new to investing, then you may end up paying the price if you do not know where to turn for the most reliable investing tips and investing advice out there. Fortunately for you and other beginners......
• The Mortgage Crisis and Investments in Real Estate According to regional and state real estate analysts, the factors which previously fueled the housing boom of the last few years are easy to explain. The factors that fueled this boom in the real instate industry ranged significantly, including: - Interest rates that were historically low. - Flight-Risk Safety Investments......

Continue reading → Investing in a Crisis

Back in April of this year, the Lending Club announced that it would be going into a quiet period due to the beginning of a registration process involving the SEC, the United States Securities and Exchange Commission. Now the Lending Club is pleased to announce that the process has been completed, and now the Lending [...]

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• Prosper Marketplace Auctioning Debt The Baltimore Sun is reporting the Prosper Settlement. A settlement for $1 million dollars paid to 20 different states was announced today, with Prosper Marketplace agreeing to the payout after complaints poured in claiming that the peer-to-peer lending service was selling securities that were unregistered. Prosper Marketplace is a business......
• Prosper Files S1 With SEC Here is a link to the Prosper S1 SEC Filing S1 From Wikipedia (here): Form S-1 is an SEC filing used by public companies to register their securities with the U.S. Securities and Exchange Commission (SEC). The S-1 contains the basic business and financial information on an issuer with respect......

Continue reading → The Lending Club Offers New Alternative for Consumer Credit Following $600 Million SEC Registration

According to numerous sources at this point, the recent bill to bail out the financial sector was simply too costly, and failed to adequately address the true housing crisis. Many people have opposed the bailout bill because it is failing to do anything to help unemployed workers and homeowners.
According to Senator Debbie Stabenow, “I absolutely [...]

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• Resisting Panic: A Quick Guide to Surviving The Credit Crunch A few years ago if you referenced the term "credit crunch", most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions......
• Sub-Prime Mortgage Meltdown What opinions do you guys have on how the sub-prime mortgage meltdown will affect peer to peer lending?  I'll confess I'm still spooked at the moment and working to draw down my balance at Prosper.  From things I've been reading, it would appear that the worst is still yet to......

Continue reading → Was the Bailout Too Costly?

As news of the Washington Mutual debacle started to trickle out, people with money in that bank began wondering if it was a smart idea to keep depositing. As a result, the overall amount of the bank’s daily deposits dropped sharply, which compounded the problem. While no one likes to think about bank failures, this [...]

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• How to Keep Your Money Safe As some of the biggest and most respected banks in the world look as though they may be crumbling, consumers are wondering in greater numbers just how safe their finances are. In times of economic uncertainty, there are no real guarantees, but there are a few things that you can......

Continue reading → Should You Put Your Money in a Bank That May Fail?

Insiders on the economy have mixed ideas on the impact that the economic bailout plan will have on the country. A federal bailout package may significantly boost the psyche of consumers and make banks more willing to extend credit, which could significantly improve the struggling economy across the nation. Unfortunately, it could also send a [...]

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• Protecting Your Investments In Times of Economic Crisis The United States economy is currently experiencing a serious financial shake up. No one really understands just how deep or how far reaching the damage is going to be, but what we do know is that there is going to be damage, and that we are going to be at......
• Sunday Money Madness - Go for Broke Welcome to the Go for Broke edition of Sunday Money Madness. The breakdown is once again by category for easy searching for weekend reading material. Tell us what you think! Save Money | Frugal Tips: Mighty Bargain Hunter answers a Reader question: Tips for newbie collectors. Looking to fill out......

Continue reading → Current State of the Economic Bailout Plan