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Current State of the Economic Bailout Plan

October 8th, 2008 — , In the News, bailout package, bailout plan, banks, bonds, constituents, consumers, credit, credit karma, economic bailout, economy, financial challenges, financial institutions, housing, insiders, loans, monetary assistance, negative message, number of representatives, overwhelming number, period of time, psyche, public disapproval, stock market, stock market crashes from Credit Karma @ Credit Karma

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 [...]

WSJ Complete Personal Finance Guidebook By Jeff Opdyke

October 3rd, 2008 — , Book Review, Money Management, auto loan, banking, budget, burgers, checkbook, checkbooks, companion book, exact plan, financial news, financial whiz, guidebooks, jeff opdyke, loans, management plan, mortgage, necessary advice, personal finance, personal finance issues, real world, savings accounts, wall street, wall street journal, world advice, wsj from Rich Leverage @ Rich Credit Debt Loan

When it comes to a trusted source for financial news and information, it’s hard to beat the Wall Street Journal. They have introduced a line of guidebooks on many financial topics, but for this review we’ll be taking a look at their Personal Finance guidebook. While it may be a little simplistic for the financial [...]

5 Steps to Get Your Credit Ready To Buy a Home

October 3rd, 2008 — , banks, better your chances, buying a home, credit bureaus, credit card, credit karma, credit rating, credit report, credit score, credit scores, credit worthiness, determinant, detriment, doors, home loan, loans, mail, personal finance, s market, six months from Credit Karma @ Credit Karma

If you are thinking about buying a home in today’s market, it’s never been more important to make sure that your credit rating is going to be sufficient. Banks are closing their doors to many that are deemed to risky, and if you want to get an approval for your loan, you will need to [...]

Loanio - more loan listings on first day

October 2nd, 2008 — , P2P Lending, US, launch, listings, loanio, loans, michael solomon from wiseclerk @ P2P-Banking.com

After the Loanio launch yesterday, already some more loan listings are up at Loanio.com. Right now I count 8 listings. Probably more are in the making. No bids yet, which is not surprising as the lenders have to sign up and transfer money to Loanio first.
Michael Solomon, the CEO and founder of Loanio had a [...]

Is The State of Your Credit Forcing You to Spend More Money?

September 29th, 2008 — , 163, 30 year fixed rate, bad credit, banks, consumers, credit history, credit score, credit scores, creditors, different ways, exact loan, fixed rate loan, interest rates, loans, money, perfect time, personal finance, poor credit, rewards, risk, same time period from Credit Karma @ Credit Karma

Many of us don’t realize just how much of an impact our credit scores can have on our finances. What triggers change in your credit scores? Well, if you have had difficulty paying your bills in the past, or you have not done much work to build up your credit history, chances are your score [...]

Restore Your FICO Score – Part Two

September 29th, 2008 — , Bad debt, Lenders, checkbook, collection agencies, collections, credit report, credit score, diligence, fico score, fico scores, fraction, goal, interest rates, loans, money, personal finance, proof, verification letter from Rich Leverage @ Rich Credit Debt Loan

In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little [...]

Sunday Money Roundup - Stocks and Things

September 21st, 2008 — , Carnivals, Investing, buying used cars, cash money, company stock, economic crisis, frugal tips, good advice, home improvement loan, kitchen gadgets, leverage, life debt, loans, market tanks, money, money life, personal debt consolidation, personal finance, reading material, saving, school loan, smart life, smr, stocks, store brands, weekend reading, youtube video from Rich Leverage @ Rich Credit Debt Loan

Welcome to this week’s edition of the SMR. Browse by category for your weekend reading material. What other categories would you like to see here? Let me know - leave a comment!
College | Home:

Kirberts says you can be in the school you want with affordable [...]

Zopa UK reached 25 million GBP in loans

September 15th, 2008 — , UK, Zopa, loans, zopa uk, zopa.com from wiseclerk @ P2P-Banking.com

Zopa reached 25 million pounds in loans. Zopa states cash depositers received an average 8.3% return after charges at a default rate of 0.04 percent. (Sources: Zopa, Financial Times)

7.9% ROI on my MyC4 loans in the past year

September 12th, 2008 — , MyC4, ROI, loans, myc4.com, return, status from wiseclerk @ P2P-Banking.com

About a year ago I started lending money to African entrepreneurs via MyC4.com. So far it did meet my expectations. The process of uploading money worked without problems, there were always enough loan applications to select from and the offered interest rates were high enough to allow for good returns despite the risks. The only [...]

The Dangers of Long Term and Interest Only Loans

August 19th, 2008 — , Long Term, P2P Lending, benefit, car loan, consumers, debt, face value, interest only home loan, interest only loan, interest only loans, interest rates, kicker, loans, long term loans, lower monthly payments, money, new trends, personal finance, personal loans, popularity, principle, property values, refinancing your home, selling your home from Rich Leverage @ Rich Credit Debt Loan

There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there are many risks from these [...]

Tips for Paying Off Student Loans

August 17th, 2008 — , banks, bartending, borrowing money, debt, decades, direct loan, enrollment figures, family disputes, full time, interest rates, jobs, leverage, loans, next decade, parents, part time job, periods, second job, student loan industry, student loans from Rich Leverage @ Rich Credit Debt Loan

Right now, the student loan industry is going through one of its worst periods in decades. New Federal regulations have forced many banks to stop offering student loans, and students are being forced to either find a direct loan or start paying back what they owe. Enrollment figures are being affected dramatically and right now, [...]

Checking on MyC4 late loans

July 30th, 2008 — , 3rd party services, Bad debt, Defaults, bad debt, debt sale, MyC4, currency risk, debt sale, loans, myc4.com from admin @ P2P-Banking.com

Lenders at MyC4.com do not have an easy task, when trying to check which of their loans are late on the repayments. The account page does not offer a comprehensive overview page. If a lender really wanted to check in detail he has to click through to the detail page of each loan he invested [...]

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Continue reading → Checking on MyC4 late loans

Poland: Monetto has financed 1 million Zloty loans in 4 months

July 26th, 2008 — , Kokos, Monetto, Poland, kupujemy, loans, lucas banach, polska, prender from wiseclerk @ P2P-Banking.com

Monetto.pl, one of the three p2p lending services active in Poland has financed 1450 loans applications resulting in 440 loans totaling 1 million Zloty (approx 0.5 million US$) in 4 months. The average loan amount is 2300 Zloty. The service claims 8000 registered users and a repayment rate of 97% so far (which is said [...]

Prosper 1 Month Late or Worse Curves

July 23rd, 2008 — , Prosper.com, Statistics, Strategy, Tools, aa, axis, credit grade, credit history, curves, data export, loan origination, loans, methodolgy, private data, slopes, sql from RateLadder @ Rate Ladder

The methodolgy or the sql for obtaining the data these curves from the private data export has already been explained in detail, but briefly…

The Y axis is the percentage of all loans orginated of a given age that are currently 1 month late or worse…
The X axis is the days loan origination.
The curves stop when [...]

Prosper 1 Month Late or Worse Curves

The methodolgy or the sql for obtaining the data these curves from the private data export has already been explained in detail, but briefly…

The Y axis is the percentage of all loans orginated of a given age that are currently 1 month late or worse…
The X axis is the days loan origination.
The curves stop when [...]

And We…

July 9th, 2008 — , Prosper.com, lenders came through, loans, move in progress, thank you from Jeff @ P2P Lenders

Lenders came through on the loan request! 246 bids later we dropped from a monthly repayment of $313.44 down to $267.21 which is a savings of $46.23 per month (not too shabby)! The original interest rate dropped from 28.79% down to 16.95% for a savings of 11.84%! Now we can pack and move with great [...]

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Continue reading → And We…

4 Easy Ways to Raise Your Credit Score

July 1st, 2008 — , Bad debt, Credit Cards, benefit, big three credit reporting agencies, bounce, credit card companies, credit report, credit reporting agencies, credit reports, credit score, debt, dispute services, good debt, loans, making money, money, personal finance, personal loan, principle, prospects, repairing your credit, right direction, secured credit card, three credit reporting agencies, three months from Rich Leverage @ Rich Credit Debt Loan

For many Americans, dealing with a low credit score can be incredibly frustrating. It’s tough to get any loans and in some cases, it may even affect your prospects for employment. If you’re sick of dealing with a low score, it’s time to starting putting into motion some techniques that will help your score go [...]

Making Extra Money With P2P Lending

June 25th, 2008 — , Income Streams, Investing, Lenders, P2P Lending, accurate assessment, banking, certificate of deposit, credit rating, credit score, debt collections, default rates, existence, extra cash, individual investors, interest rate, loan request, loan requests, loans, money, multiple streams of income, new ways, personal finance, posters, rate payments, risk, savings accounts, streams of income from Rich Leverage @ Rich Credit Debt Loan

Peer to Peer lending is quickly becoming one of the hottest new ways to create multiple streams of income. While there is risk involved, there are various methods that can reduce the risks that individual investors face and provide protection against non-payments. If you’re looking for an potential way to make extra cash every month, [...]

Lending Club Update

June 23rd, 2008 — , Investing, Lending Club, P2P Lending, Prosper, loanio, loans, risk, sec registration, start up from Lazy Man @ Lazy Man and Money

While I was asleep at the wheel on Friday, Lending Club came through with an update on their quiet period. When we last left them, I declared Lending Club is Dead. I admit that I was going for a sensational headline, but I still maintain that I wasn’t irrational. When a start-up company says that it is A) Unable to take new business, B) Unable to talk about why it can’t new business, and C) Unable to give a time-line for when business with resume, you have to wonder.
On Friday we learned that Lending Club Filed For [...]

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Continue reading → Lending Club Update

What You Need to Know Before Going Into Debt

June 11th, 2008 — , Bad debt, Credit Cards, Debt Management, Free Money, credit card, credit score, deb, debt, debt trap, debts, interest rates, less than three months, leverage, limit fees, loans, making money, maxing out, money, personal finance, ropes, rule of thumb, salary, smart practice, traps from Rich Leverage @ Rich Credit Debt Loan

Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it is. Going into small amounts [...]

Prosper in May Set a New Monthly Loan Origination Volume High Water Mark

June 4th, 2008 — , 6m, Credit Grades, Prosper.com, Statistics, aa c, credit grade, great news, loan volume, loans, momentum from RateLadder @ P2P Lending

(sql to produce statistics at the end of post)
In May, Prosper originated more loan volume than in any previous month roughly 9.6M loans the vast majority were credit grades AA-C. This is great news for Prosper on 2 fronts: total volume and loan quality. Here is the breakdown…

May 2008 Prosper Origiantions

Credit Grade
Loans
Amount
Amt / Loan
% total

AA
223
$2,003,970
$8,986
20.9%

A
225
$1,924,277
$8,552
20.0%

B
270
$2,084,555
$7,721
21.7%

C
388
$1,979,505
$5,102
20.6%

D
295
$1,202,235
$4,075
12.5%

E
82
$185,909
$2,267
1.9%

HR
120
$220,425
$1,837
2.3%

Total
1603
$9,600,876
$5,989

All [...]

Kiva Loans (5/18/2008)

May 17th, 2008 — , Cambodia, Dominican Republic, kiva.org, loan, loans, microfinance from Jeff @ P2P Lenders

Thy Phlang Village Bank Group
Popeal Khaer Village, Cambodia
Mrs. Thy Phlang is the Village Bank President in Popeal Khaer Village, Kandal Province. There are 33 members in her group.
She is 34-years-old and has two children, both of whom are too young to work or study. Mrs. Thy Phlang’s second child has malaria and takes frequent trips [...]

Prosper Loans (5/17/2008)

May 17th, 2008 — , Prosper.com, Wedding, dog, loan, loans, money from Jeff @ P2P Lenders

Purchase new bedroom set and cater son’s wedding

Credit Grade- AA
DTI- 30%
$50 @ 9.75%
Purpose of loan:
Consolidation last 2 credit cards and cater sons wedding
My financial situation:
I currently make over 66,000.00 a year, plus with my husband our annual income is over 90,000.00. The monthly payments are no problem. I am a low risk . I have [...]

Prosper Loan (5/16/2008)

May 16th, 2008 — , Prosper.com, loan, loans, new jersey from Jeff @ P2P Lenders

Credit Grade- B
DTI (Debt to Income)- 16%
$50.00 @ 13.95%
Purpose of loan:
This loan will be used to consolidate existing high interest student loans and credit cards
My financial situation:
I am a good candidate for this loan because I have a stable employment record; I have been with my current employer for close to two years and before that I worked for [...]

Another payoff in progress

April 21st, 2008 — , lending, loans from j9359 @ j9359 (my prosper experience)

I was on this nice clean B loan now it is being paid off. Not too much of a surprise because they have been making two or three payments a month since the loan originated.But finding another 0-0-0 B that will pay 16.27% is going to be tough :(Anyway, …

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Continue reading → Another payoff in progress

pre-payments on the rise ?

April 14th, 2008 — , lending, loans from j9359 @ j9359 (my prosper experience)

Is it just me or are other folks seeing an increase in early payoffs ?Today this one showed up as a payoff in progress. Not that I’m complaining !But this was a pretty nice A @ 15% (ok, in retrospect inquiries were high) that was one of the bright sp…

A little formal protest never hurt!

April 10th, 2008 — , News, Thoughts, Update, lendingclub.com smells like daisies, loans, prosper.com is the shizzle from Jeff

So, as you can tell, the page as a new title and theme… This is now My Prosper Club! I’m back on board with Prosper.com since I have no place to lend that offers individual listings and good returns on investment (Zopa.com has fallen down with interest rates). This morning I pushed over $500 over [...]

A listing worth looking at…

March 31st, 2008 — , Update, loans from Jeff

My wife, Heather, has posted a listing to help us take care of our 2007 tax bill (close to $3,000) thanks to some investment income and un-taxed personal income from last year. We had attempted to get another listing through Prosper.com, however, they were being difficult with bank account verification… Verification on an account they’ve [...]

Then it happens…

March 27th, 2008 — , Prosper.com, enron, loan now current, loans from Jeff

Today I logged into my account and behold, one of the late loans has flipped back into current status leaving only one out of 168 in the red, which is acceptable given the credit grade behind it! Way to go Lending Club!
Oh, if you’re wondering… I have 14 late loans at Prosper.com with only 103 [...]

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Finally… Bolivia!

April 30th, 2007 — Bolivia, IMPRO, Kiva, kiva.org, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog

Ciriaca Colque is her name. She runs a milk transport business that brings milk from the farms in the Altiplano of La Paz to the local Pil Andina diary factory, in El Alto, Bolivia. El Alto literally means “The Height”, and high it is: 4150 meters (13,…

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Paying interest to Kiva lenders

April 24th, 2007 — Kiva, interest, kiva.org, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog

Disclaimer / Challenge: please note that the blog post you’re reading is based on my personal insights and logic I think is true. As I have no economics or financial background at all, I would be thrilled to be proved wrong. Please let me know if you d…

All Kiva investments on one Google Map!

April 18th, 2007 — Kiva, esperanza international, google maps, kiva.org, latin america, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog

Following Pondering Pig’s example, I created a My Google Map (or a Google My-Map or whatever) for my investments. Here it is.Some other users Kiva Maps:Christopher from LondonFred from TexasPomerleau Family’s mapPondering Pig’s map (which we already me…

Go see Kendall Mau’s blog!

April 10th, 2007 — Kiva, economy, honduras, kendall mau, kiva.org, loans, microfinance, microfinancing, poverty, prisma from Ramon @ Ramon's Kiva Blog

For those of you that haven’t visited Kendall Mau’s blog in a while, or that haven’t visited his blog at all, please do so. He recently added a WEALTH of information about the inner workings and considerations of the MFI he runs in Honduras and Nicarag…

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Continue reading → Go see Kendall Mau’s blog!

Small loan to Dunia Herrera in Choluteca, Honduras

April 2nd, 2007 — economy, honduras, kiva.org, latin america, loans, microfinance, microfinancing, poverty, prisma from Ramon @ Ramon's Kiva Blog

Since it’s a new month, I just entered by bimonthly loan, my loan number 12. This one is to Dunia Herrera, why sells cloth in Choluteca, Honduras. Choluteca, in addition to having a cool name, looks on Google Maps just like the place I’d like to spend …

Soon to be Republica Bolivariana de Ecuador?

March 15th, 2007 — Kiva, economy, ecuador, kiva.org, latin america, loans, microfinance, microfinancing, poverty from Ramon @ Ramon's Kiva Blog

One of the advantages of investing into a local opportunity through Kiva is, that you, consciously or subconsciously, keep better track of what is going on in those countries in which you invested. And therefore, when things are happening in Ecuador, i…

What convinced me to make my latest Kiva.Org loan

March 2nd, 2007 — Kiva, economy, ecuador,

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