Given the time of year, things are drawing to a close and one of the things to think about is what has worked and what hasn't as far as your personal finance plan goes. For me, one of the things that I tried about 3 years ago was using propser loans. My record isn't that bad, and in some ways, Prosper did exactly what I wanted it to--it secured a series of funds to achieve a higher interest rate than I could get otherwise if the money remained entirely liquid. You can see my track record with prosper. For many people, like Pensonier , it doesn't work out so well. Personally, for legal reasons, it is not possible to invest with them anymore. As for me, I am withdrawing the money now and slowly building up my roth IRA for retirement by dollar-cost averaging. What is most telling about the process of lending money is that there is so much involved in making the loans, that it really tricks you into thinking that the investments are somewhat safe. Personally, for the amounts I
small steps toward making myself a better, richer, and happier man.