I was pretty lucky as a high school student to be involved in a cooperative education program with IBM. The Co-op program was highly structured and made it easy for the students to find something that was educational and productive for the employer. When I went to college after the military, the same [...]

Zopa just launched its US operation this week. I set up an account over there and will be trying for another P2P loan.

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I struck out with Prosper this morning on a loan to replace an AC unit (not a problem now, it is a wonderful 70 degrees today!). On a recommendation, I took a look at the LendingClub. Well, the LendingClub hardly let me in the door. They pretty much took a cursory look [...]

Automation is a wonderful thing – increased productivity is the lubricant for the American economy. Information about anything and everything is now more accessible than it has ever been. Information on pricing, like life insurance quotes, has been a huge boon to the consumer. Think about what it was like 20-30 years [...]

Well, LendingClub is the new guy on the block for peer to peer lending. I went over and tried to apply for a loan there, but got the following message:

We’re sorry, but based on your credit score, loan amount, Debt-to-Income (DTI) ratio, and/or your state’s maximum borrowing rate, we are unable to list your [...]

Some good action on the Prosper loan. Several people have offered up some cash to help fund the loan for my air conditioner and have pushed the loan to about 14 percent funded with only eleven hours to go.
Okay – for those big lenders at Prosper – let me remind you about the Double [...]

Groan. No new action on my air conditioning loan.Well, I still am hoping for the best, but expecting the worst. The good news is that the temperature has finally dropped below 80 during the days as we progress into the Fall season. That is great, then I can chill out and wait [...]