“Thats hilariously chickens#!t of you..I bid your blog goodbye…Too bad you have been re brainwashed.”
- bamalucky
Anyone else wanna step up to the plate or is bama the only one out of his mind from the former Prosper.com crowd? Feeling a little hurt this morning by a supposed ‘expert’ on P2P lending. These are the [...]

Continue reading → Mentality of the Lost Lender

Have you ever tried to break a habit? Think back to when you last tried to break a bad habit (eating when you weren’t hungry, for instance). What was the hardest part about breaking it?
When your social scene revolves around the item you were trying to get away from, it is incredibly hard to [...]

Continue reading → Find friends who support your financial decisions

In my recent post about financial advice from friends and family, I discussed how those around you are the most likely sources of your financial advice. These people are also the ones who will influence your spending and savings habits.
This happens because your friends are usually your basis for defining what is “normal.” Seeing the [...]

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Continue reading → The Basis for Your Financial Habits

On our journey to a better financial place, there are many roadblocks and opportunities for accelerated progress. Those around you will have a significant influence on your propensity for success.
Your friends and family can have a significant influence on your financial successes and failures. The reason is that everyone needs help with their finances from [...]

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• 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......

Continue reading → Financial Advice from Friends and Family

Brett over at PLP took the time to interview several P2P lenders (myself included)… Definitely bookmarking/reference material for all those looking to dip their toe (or dive head first!) into the P2P lending! Prosper and Lending Club are both highlighted here. I would love to see a follow up by someone on the merits of [...]

Continue reading → P2P Lending Advice!

We are blessed with a very vocal user base and have received many valuable comments since we launched. Your feedback continues to guide our ongoing efforts to improve the site. Here are some of the features we have recently added to further improve user experience on Lending Club.

Minimum loan request has been lowered to $500
It [...]

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• Big Prosper Changes -- 2nd Loans, Authenticated API, 0% on AA, 36% Max Rate, and Portfolio Plans Big changes for Prosper today in new release... Borrowers can now have second loans Authenticated API for access to extended credit and a lender's loans for lenders 0% servicing fee on AA credit In states where rates aren't capped the new maximum is 36% Portfolio Plans might be the biggest change of......
• Prosper Diversification Diversification is essential to success on Prosper.  There are many kinds of diversification: multiple loans, geographic, loan use...  While the most important kind of diversification is accomplished via as many as loans as possible (no more than 2% of your portfolio in a single loan), the type of diversification that......

Continue reading → Week 10: New Features!

Facebook, more than any other site, is about your friends and your networks. As a developer for the platform, I’ve repeatedly thought: “How can I make this activity relevant to my network?” With that in mind, I always want to notify my friends and networks about a particular feature and make them come try [...]

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Continue reading → Borrow From Your Network!

Among the many benefits of a P2P loan from Lending Club, there is one that hasn’t been discussed much to date. Borrowing money through Lending Club, rather than simply borrowing directly from a friend, will help you build your credit history.
Building your credit history will help improve your FICO score. This in turn helps [...]

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• Restore Your FICO Score – Part Three In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but......
• Restore Your Fico Score – Part One While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not......

Continue reading → Friends Helping Friends Build their Credit

Let’s face it; there are times when everyone needs some extra money. If you’re like a lot of people, you need to get out from under the burden of debt.
With so many different financing options, it can be difficult to choose the best way to get that extra money. It may [...]

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• Community Lend Review CommunityLend.com is still in their beta phase, and has yet to fully launch yet, but they do have some interesting features that are already obvious. Like most p2p lending sites, they are striving to create an alternative to traditional bank loans, but they are also trying to take that......
• Get Your Lending Club Loan Documentation Early For a Few Days of Free Money I was reading about LendingClub loans (I forget where, sorry) and I came across the following statement from Lending Club made to a lender on LC. Our loans expire two weeks after posting. This expiration date is the borrowers actual payment date, however some loans will fund early. Here is......

Continue reading → Why a Personal Loan from Lending Club Makes the Most Sense