Steven Loi - My thoughts, stories, and experiences.

A little over a month ago, I decided to try out a site called Prosper, an online community for lending and borrowing money. The neat thing is that you can loan as little as $50 to various folks at a interest in which you bid for. Since the stock market was (and still is) very bearish, I gave this site a try. Here are the results:

I made a few modifications to the snapshot so I don’t have to disclose how little money I’m loaning. I’m making an average of 13.1% interest on my loans with one late payment. (Although, I checked today and it looks like that late payment is on its way.) Not bad at all! Considering the fact that this same time, the Dow has fallen 3.83% and without any certainity about a favorable rally is coming soon.

Let’s see how it will do this month, though. I’m hoping I won’t have too many missed payments or else that will make me reconsider the next time I want add some more funds to the account.

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