http://www.pertuitydirect.com/
Just recived the following email…
Welcome To Pertuity Direct
Welcome! Thanks for signing up to receive updates about the Pertuity Direct launch.
We have been hard at work for the last two years, building a social lending business that is targeted toward busy people that would like to enjoy the high investment returns and low loan [...]

• Work Womens Shoes

• People Postcards Collectibles

Continue reading → Pertuity Coming in September?

P2P student loans have exploded onto the scene this past year, due in a large part to a lack of availability of traditional loans. There has never been a better time for a p2p site to start offering student loan assistance, and Green Note is one of the newest entrants into the marketplace.
The concept [...]

• Tee Times Green Fees Golf

• Green Day G Rock, Pop Music Memorabilia Entertainment Memorabilia

Continue reading → Green Note Review

Virgin Money is another the brainchild of Richard Branson, the well known entrepreneur that is behind a multitude of businesses, record labels and projects throughout the world. His belief is that everyone should have access to the money they need when they are trying to get money for a business or even for personal reasons. [...]

• Paper Money World Coins Paper Money

• Africa Paper Money World Coins Paper Money

Continue reading → Virgin Money 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 to the next level by developing [...]

• Traditional Flashlights Flashlights, Lanterns Lights Camping Hiking

• Bank of Canada Canada North, Central America Paper Money World Coins Paper Money

Continue reading → Community Lend Review

This year, it has never been more difficult to get a student loan, thanks to new federal regulations. Hundreds of lenders announced that they would no longer be taking part in federal loan programs and schools are struggling to try to offer loans directly to students. This opened up a huge marketplace in the p2p [...]

• Federal Reserve Notes Large Size Notes Paper Money US Coins Paper Money

• Federal Reserve Notes Small Size Notes Paper Money US Coins Paper Money

Continue reading → Fynanz Review

A few weeks ago Rob Garcia at Lending Club announced updates to the lending account management features.  I apologize it has taken me this long to cover the update, but I have been busy at work and frankly without lenders having the ability to lend money I was lacking motivation.  Well I got to it [...]

• Canadian Club Distillery Advertising Collectibles

• Club Heads Clubmaking Products Golf

Continue reading → Lending Club Updates Lending Functionality

There was a Prosper update last night.   Nothing that was completely unexpected… The one thing that struck me as interesting was that borrower’s are now required to sign the promissory notes themselves…  Before I guess Prosper as Prosper had been authorized to sign on their behalf…  The part that struck me as interesting was the [...]

• Federal Reserve Notes Large Size Notes Paper Money US Coins Paper Money

• Federal Reserve Notes Small Size Notes Paper Money US Coins Paper Money

Continue reading → Prosper Update Enhances the Legal Enforceability of Promissory Notes

One of the biggest challenges facing blog owners is keeping their site looking fresh without losing their appeal. Currently, there are thousands of free themes out there that can be used by anyone, but there are few designs that are not already in use. For blog owners that want to stand out from the crowd, [...]

• Stand Bags Carry Bags Golf Bags Golf

Continue reading → Web Design and Blogs: How Important Is a Fresh Look?

We are pleased to announce that AllTop has selected RateLadder for inclusion in the Personal Finance section of AllTop.  We are honored and thank Alltop for the recognition…
If you are not yet aware, Alltop is aggregating the very best blogs in multiple niches into a blog portal of sorts.  AllTop is short for All the [...]

• Multiple Animals Animals Postcards Collectibles

• Personal, Field Gear Surplus Militaria Collectibles

Continue reading → RateLadder Included at PersonalFinance AllTop

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 is the case, people are [...]

• Halcyon Days Decorative Collectible Brands Decorative Collectibles Collectibles

• Case Agriculture Advertising Collectibles

Continue reading → Hey, Brother, Can You Spare A Dime?

I think I may have finally overcome my donut problem… With this theme I am trying to have a quality look to my website. I hope you find the result an improvement.  Like or hate it?  Leave a comment.
In addition, I would like to thank the top 10 referrers to RateLadder over the [...]

• Theme Park Souvenirs Contemporary 1968-Now Disneyana Collectibles

• Theme Park Souvenirs Vintage Pre-1968 Disneyana Collectibles

Continue reading → Final Theme Modification?

(Editor’s Note: This is a serious post and potentially a great opportunity for the right 3rd party.)
Company looks to sell all rights to its proprietary P2P lending technology. The company has been quietly in development for the past year, though has now decided to halt launch plans for undisclosed reasons.
It has developed a complete P2P [...]SHARETHIS.addEntry({ title: “For Sale: P2P Lending Technology”, url: “http://www.rateladder.com/2008/04/28/for-sale-p2p-lending-technology/” });

• Complete Bicycles Bicycles Transportation Collectibles

• Current Year, Next Year Calendars Paper Collectibles

Continue reading → For Sale: P2P Lending Technology

I hope that my readers find my new site design more pleasing.  You might also notice, I updated P2P No Bank as well.
I intend to have a graphic made in the place of the current green one…  Here is the green logo for posterity…

The benefit of this theme over my old theme is that I [...]

• Theme Park Souvenirs Contemporary 1968-Now Disneyana Collectibles

• Theme Park Souvenirs Vintage Pre-1968 Disneyana Collectibles

Continue reading → Yet Another Wordpress Theme Overhaul

I would like to say thanks to my top 10 blog referrers in Jan 08.

P2P No Bank
Prosper Blog
Lazy Man and Money
Prosper Lending Review
Personal Loan Portfolio
Psychohistory
Prosperous Land
Freakonomics
LendingClub Blog
brip blap

• Land Real Estate Opportunities

• Bank of Canada Canada North, Central America Paper Money World Coins Paper Money

Continue reading → Top RateLadder Referrals Jan/08

If you want to try Lending Club be sure to sign up with this link to receive $25 bonus.
Until now LendingClub has lacked a customer friendly loan and listing statistics site.  Sure you could sql query the data at ProProsper (select * from lendingclubloanstats), even though it is powerful it lacks consumer friendliness and a certain pizazz.
Introducing [...]

• Canadian Club Distillery Advertising Collectibles

• Club Heads Clubmaking Products Golf

Continue reading → Lending Club Stats

As my final planned post of 2007 I will be reviewing my goals and giving a grade.
Here were my 2007 RateLadder Goals.

Expectation
Goal
Stretch Goal
Actual

2007 Year Ending Account Value
$4,386.37
$5,062.84
$5,740.86
$11,519.59

Return on Investment (ROI)
10%
12%
14%
10.16%

New Reinvestment Loans
24
27
30
30+

Number of Defaults
2
0
 
 4

Per Month New Money Added
$50
$100
$150
$582

New Money Source
100% Savings
75% Savings, 25% RateLadder.com
50% Savings, 50% RateLadder.com
50%+ RateLadder.com

Google PageRank
1
3
5
3

Average Unique Visitors Per Day
10
50
100
87.22

 
2007 Year Ending [...]

• Current Year, Next Year Calendars Paper Collectibles

• New Year Holiday, Seasonal Collectibles

Continue reading → 2007 RateLadder Goal Review — Overall A-

This is a time of year reflection and goal setting for the year to come.  I think it has been a very interesting and prosperous year.
Here are some of my best and/or most popular posts from the 4th quarter of 2007…
October 2007:
Prosper Files S1 With SEC
Prosper Repurchases A Loan
MicroPlace, an Ebay Company Launches
RateLadder Reaches 10K Milestone
Quicken [...]

• Current Year, Next Year Calendars Paper Collectibles

• New Year Holiday, Seasonal Collectibles

Continue reading → Best of RateLadder 4th Quarter 2007

This is a time of year reflection and goal setting for the year to come.  I think it has been a very intertesting and prosperous year.
Here are some of my best and/or most popular posts from the 3rd quarter of 2007…
July 2007:
WSJ Features ProProsper in P2P Lending Article
P2P No Bank — Aggregating P2P Lending Blogs [...]

• Current Year, Next Year Calendars Paper Collectibles

• New Year Holiday, Seasonal Collectibles

Continue reading → Best of RateLadder 3rd Quarter 2007

This is a time of year reflection and goal setting for the year to come.  I think it has been a very intertesting and prosperous year.
Here are some of my best and/or most popular posts from the 1st 3 months of my blog…
April 2007:
Adam Nash Merged with RateLadder to form the Ideal Quicken Solution (without [...]

• Current Year, Next Year Calendars Paper Collectibles

• New Year Holiday, Seasonal Collectibles

Continue reading → Best of RateLadder 2nd Quarter 2007

Thank you readers. Thank you p2p lending. Thank you referrers.
12/26/2007 is my 1 year anniversary.  As the start of the celebration I am thanking the top 10 (in terms of traffic for the entire year) blog referrers (some sites are more than just a blog).  These stats are with my own traffic removed.

Lazy Man and Money
P2P [...]

• Current Year, Next Year Calendars Paper Collectibles

• Traffic Lights, Signals Automobilia Transportation Collectibles

Continue reading → Top RateLadder Referrers of My 1st Year

This is a time of year reflection and goal setting for the year to come.  I think it has been a very intertesting and prosperous year.
Here are some of my best posts from the 1st 3 months of my blog…
December 2006:
Prosper.com and Quicken — The workable solution for playmates that don’t get along. – 3rd most [...]

• Current Year, Next Year Calendars Paper Collectibles

• New Year Holiday, Seasonal Collectibles

Continue reading → Best of RateLadder My 1st 3 Months

NetBanker has just published an online banking report: Person-to-Person Lending 2.0. He is specifically covering Prosper, Lending Club, Zopa, Virgin Money, and LoanBank.
Interesting to note, he had intended to publish earlier, but news all over the p2p lending world was a regular occurrence in the 4th quarter.  Prosper announced platform changes at finovate (video). Virgin [...]

• 1-2 Person Tents Tents Canopies Camping Hiking

• 3-4 Person Tents Tents Canopies Camping Hiking

Continue reading → NetBanker: Person-to-Person Lending 2.0

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 today, tomorrow, and next year are your [...]

• Current Year, Next Year Calendars Paper Collectibles

• New Year Holiday, Seasonal Collectibles

Continue reading → Financial Web Advertisment on RateLadder

Well after struggling against my theme for nearly a year I finally sat down and redesigned it…  It really wasn’t very hard, I don’t know why I waited soooooo long…
I have never had enough room for content. And my insistence on ads meant that there was even less room.
In the last 30 days less than [...]

• Hotel Room Keys Casino Memorabilia Casino Collectibles

• Theme Park Souvenirs Contemporary 1968-Now Disneyana Collectibles

Continue reading → New RateLadder Theme

Having heard a number of concerns that reading my content was difficult due to the Google ads being mixed in with the content I have decided to make a change…
I will no longer be mixing ads with the content… the ads will be along the side or at the top.
I hope the readers that read [...]

• Refrigerators Side-By-Side Refrigerators Freezers Major Appliances

• Mixing Bowls Kitchenware Housewares Kitchenware Collectibles

Continue reading → RateLadder Content Ad Free

LendingStats has just announced an update…  And I think it has 2 cool features and a very nice upgrade to the LendingStats ROI calculation.
The ROI upgrade: 
Updated the collection rates used to calculate estimated ROI corresponding to how Prosper split out the Penncro Collection rates by credit grade.
This caused their projection of my ROI to jump by [...]

• Credit, Charge Cards Trading Cards Collectibles

• Jump Ropes Fitness Equipment Gym, Workout Yoga Exercise Fitness

Continue reading → LendingStats Site Update

Prosper CEO called Ayn Rand an indecisive liberal when compared to Prosper Lenders.  In his blog post on money and merit, Chris Larsen uses The Cathedral and The Bazaar to make the argument that p2p lending is toppling cathedrals…  I find the Ayn Rand assertion hilarious.
And Prosper has an official Blog.  I have written a [...]

• So-Called Dollars Exonumia Coins Paper Money

• Investments Opportunities to Make Money

Continue reading → Ayn Rand Indecisive Liberal, Prosper Blog, and Other Prosper Changes

I would like to say thanks to the blogs that in the last 30 days were the top RateLadder referrers.  This is the very first time that the top 10 is entirely p2p lending related.

Freakonomics
P2P No Bank
Lazy Man and Money
Pro$pers.org
PFBlogs.org
Prosper Lending Review
Psychohistory
Prosperous Land
Wise Clerk
Prosperlicious

• Land Real Estate Opportunities

• Bank of Canada Canada North, Central America Paper Money World Coins Paper Money

Continue reading → Top RateLadder Referrers

Whoa!  That was close!  RateLadder almost shutdown permanently… 
My hosting provider performed an upgrade over thanksgiving on the shared server…  There have been issues.  While thinking the issues were fixable on my end I made the mistake of upgrading my version of wordpress…  NEVER DO THIS without professional help.
I effectively killed my blogs.  Luckily. Midphase was there [...]

• Thanksgiving Holiday, Seasonal Collectibles

• Thanksgiving Holidays Postcards Collectibles

Continue reading → Back From the Brink

This is a guest post from regular reader Melissa… 
It may seem at times payday loans are sold as a cure-all for everyone. However, these loans are far from a cure-all and are a consumer-lending product that is targeted for a market that has very few other alternatives. The market is for people with little or [...]

• People Postcards Collectibles

• Tee Times Green Fees Golf

Continue reading → Payday Lending: A Niche Business

Here are the ones I have interacted with in some capacity…
Finance Junkie @ Plugged In Finance
Tom @ Prosper Lending Review
Lazy Man’s Wife @ Lazy Man and Money
If I interact with you and I missed you or I don’t know you are a veteran I am sorry.  Please send me an email correcting the situation and I [...]

• Veterans Groups Fraternal Groups Historical Memorabilia Collectibles

• Civil War Veterans Items Civil War 1861-65 Militaria Collectibles

Continue reading → Thank You To All the Veterans

Eric’s Community Credit is the 1st 3rd party site to make use of the new extended credit data available via the Authenticated API.  As you can see in the picture below or by following this link to RateLadder’s profile on Eric’s CC… he has added a chart breaking down my loans by 3 extended credit [...]

• Credit, Charge Cards Trading Cards Collectibles

• Manufacturer Authenticated Sports Collectibles

Continue reading → Eric’s CC Extended Credit Breakdown

I have a very interesting tidbit of analysis – Distress Rate Widens For High Dollar Loans…
Mike at Prosperous Land has been tracking various statistics including the distress rate.
Distress rates refer to loans that are late in any possible way, either 15 days, 1-3 months, 4+ months, or in default.
Here is generally what he had to say…  [...]

• Heart Rate Monitors Monitors Pedometers Gym, Workout Yoga Exercise Fitness

• Land Real Estate Opportunities

Continue reading → Prosperous Distress Rate

CyberCapital.Org, a blog that gives you latest Tech news and Firefox Tips, is going to Show your Google ads on their website for a Week. You can enter the contest by writing about it on your blog. I just did that and I’m in the contest now, Wish me luck and Join in if you [...]

• Revolutionary War 1775-83 Militaria Collectibles

• Computers, High Tech Advertising Collectibles

Continue reading → Revolutionary Blog Contest

MortgageFit’s premise is
There is no common answer to varied mortgage issues. So as a community, our members provide personalized knowledge and guidance on mortgage and related issues.
That end they have built and grown a community of mortgage professions, interested observers, and a public in need of answers.
Personally, I rely on Google whenever I have a [...]

• Dishwashers Built-In Dishwashers Major Appliances

• Casino-related Non-Branded Lighters Lighters Tobacciana Collectibles

Continue reading → MortgageFit — World’s Largest Mortgage Community