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Focus and retain what I’m about to say. You can make between 6% and 29% profit with your money that is sitting in the bank at 1-3%. If you’ve run up credit card debt and don’t want to pay the 19% they’re ramming you for, borrow some money at a much lower rate.
Chris Larsen (Former Chairman and CEO of E-LOAN) has started another brilliant business called Proser. Prosper.com is America’s first people-to-people lending marketplace that was created to make consumer lending more financially and socially rewarding for everyone. It can help you make more money and help others save more money.
Prosper is a marketplace for credit that enables people to lend money to other people in a safe, efficient manner. Prosper is a leap back to a time when people formed credit communities to help themselves live better lives and earn a fair return on their money. Prosper’s founding principle is that people from close communities act more responsibly towards each other. Prosper leverages this powerful concept of community responsibility and applies it to person-to-person lendingÃ¢â‚¬â€resulting in better interest rates for people that borrow and lend.
Prosper enables borrowers to request loans up to $25,000 by posting listings (Like EBay) indicating the amount they want to borrow and the maximum interest rate they wish to pay. Lenders search for and select these listings based on the borrower’s credit history, debt profile, and other factors. Lenders bid on listings (Like EBay) by indicating a minimum rate they are willing to accept. When a loan is matched between borrower and lender, Prosper handles all of the tasks needed for payment and collection of the loan. Prosper makes money by taking a small share of these transactions (.5% – 1%).
I’m using it now (earning 10%) and I highly recommend signing up. Plus you get $25 just for doing so! Everybody wins and you get to stick it to the bank or credit card company just a little bit…
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