Comments for The Penny Saved Personal Finance Site http://thepennysaved.com Personal Finance, career, investing, retirement, saving and debt blog Sun, 06 Jul 2008 06:56:06 +0000 http://wordpress.org/?v=2.3.3 Comment on Own a piece of me (literally) and get a great return by RateLadder http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1240 RateLadder Wed, 25 Jun 2008 20:42:52 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1240 Sorry you didn't make it... We knew we were fighting an uphill battle with this listings... Make those adjustments we talked about and let me know when the listing goes live so I can bid early and often. Sorry you didn’t make it… We knew we were fighting an uphill battle with this listings… Make those adjustments we talked about and let me know when the listing goes live so I can bid early and often.

]]> Comment on Own a piece of me (literally) and get a great return by TJG http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1237 TJG Tue, 24 Jun 2008 19:57:44 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1237 Why did you turn down the first listing on Prosper which was fully funded at 9%? Why did you turn down the first listing on Prosper which was fully funded at 9%?

]]> Comment on Own a piece of me (literally) and get a great return by www.P2P-Loans.com http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1236 www.P2P-Loans.com Tue, 24 Jun 2008 14:24:03 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1236 I am in for $50 on RateLadder's endorsement. I also like to support a fellow blogger. Good luck with your loan - I know you won't let your lenders down. I am in for $50 on RateLadder’s endorsement. I also like to support a fellow blogger. Good luck with your loan - I know you won’t let your lenders down.

]]> Comment on Own a piece of me (literally) and get a great return by BurnFromWithin http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1235 BurnFromWithin Tue, 24 Jun 2008 14:04:56 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1235 Ouch, no wonder why you aren't getting many bids. Prosper estimates the loss at 5.17% (on a 16% bid) based on past performance of loans with similar criteria. Obviously those borrowers didn't run personal finance blogs and such, but I think thats a pretty sure-fire way to deter bidders from your loan. It even has an 'Are you sure?' screen before you bid, pointing out the estimated negative return.. I bid $80 (just about all I have in cash in my account). Good luck! Ouch, no wonder why you aren’t getting many bids.

Prosper estimates the loss at 5.17% (on a 16% bid) based on past performance of loans with similar criteria. Obviously those borrowers didn’t run personal finance blogs and such, but I think thats a pretty sure-fire way to deter bidders from your loan. It even has an ‘Are you sure?’ screen before you bid, pointing out the estimated negative return..

I bid $80 (just about all I have in cash in my account).

Good luck!

]]> Comment on Own a piece of me (literally) and get a great return by Jesse http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1233 Jesse Mon, 23 Jun 2008 19:37:54 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1233 Well, there are several prongs on this: 1) I like to support p2p lending 2) Referrals would be great, and I have a good amount of steady readers 3) That is a second option, yes. :) Well, there are several prongs on this:

1) I like to support p2p lending
2) Referrals would be great, and I have a good amount of steady readers
3) That is a second option, yes. :)

]]> Comment on Own a piece of me (literally) and get a great return by Jesse http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1232 Jesse Mon, 23 Jun 2008 19:34:07 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1232 Thanks for the comment! Indeed, it probably won't get there this time, I was slow about getting a post up. Dang "real" job has been ridiculously busy. I am definitely going to relist this week if things dont go down fast enough, probably on thursday. Thanks for the comment! Indeed, it probably won’t get there this time, I was slow about getting a post up. Dang “real” job has been ridiculously busy. I am definitely going to relist this week if things dont go down fast enough, probably on thursday.

]]> Comment on Own a piece of me (literally) and get a great return by john http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1231 john Mon, 23 Jun 2008 19:30:45 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1231 I would recommend going to a credit union and geting a personal loan, you can do a lot better than 16%, unless you are counting on referrals to make more money... I would recommend going to a credit union and geting a personal loan, you can do a lot better than 16%, unless you are counting on referrals to make more money…

]]> Comment on Own a piece of me (literally) and get a great return by BurnFromWithin http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1230 BurnFromWithin Mon, 23 Jun 2008 19:29:18 +0000 http://thepennysaved.com/2008/06/23/own-a-piece-of-me-literally-and-get-a-great-return/#comment-1230 Hi, I have been a Prosper lender for a year now and discovered your blog when your loan came up in my search results (I really like your blog!) I will be bidding on your listing when my funds are freed up from a current bid that looks like it won't fund (that will be sometime tonight). Unfortunately, it looks like you are off to a slow start and I'm left wondering whether or not yours will get fully funded! I think you should've posted this invite to your readers earlier because for a new Prosper lender, the sign-up process is quite lengthy. If I remember correctly, signing up, verifying a bank account, and transferring money can take a few business days - which is all your listing has left before it expires! If it doesn't fund, you should re-list and hopefully give earlier notice to your readers so that they can sign up, get the free $25 and bid on your loan in time! Best of luck to you! P.S. Have you ever been a Prosper lender or considered lending on Prosper (even if its a 'down-the-road' idea)? Hi, I have been a Prosper lender for a year now and discovered your blog when your loan came up in my search results (I really like your blog!)

I will be bidding on your listing when my funds are freed up from a current bid that looks like it won’t fund (that will be sometime tonight). Unfortunately, it looks like you are off to a slow start and I’m left wondering whether or not yours will get fully funded!

I think you should’ve posted this invite to your readers earlier because for a new Prosper lender, the sign-up process is quite lengthy. If I remember correctly, signing up, verifying a bank account, and transferring money can take a few business days - which is all your listing has left before it expires!

If it doesn’t fund, you should re-list and hopefully give earlier notice to your readers so that they can sign up, get the free $25 and bid on your loan in time!

Best of luck to you!

P.S. Have you ever been a Prosper lender or considered lending on Prosper (even if its a ‘down-the-road’ idea)?

]]> Comment on Eating Healthy on a budget and time constrained schedule by PT http://thepennysaved.com/2008/06/18/eating-healthy-on-a-budget-and-time-constrained-schedule/#comment-1221 PT Sat, 21 Jun 2008 02:31:37 +0000 http://thepennysaved.com/2008/06/18/eating-healthy-on-a-budget-and-time-constrained-schedule/#comment-1221 Good idea to stock up like that. Good idea to stock up like that.

]]> Comment on Peer to peer lending - the basics of P2P lending by Tom http://thepennysaved.com/2008/04/12/peer-to-peer-lending-the-basics-of-p2p-lending/#comment-1215 Tom Thu, 19 Jun 2008 02:29:20 +0000 http://thepennysaved.com/2008/04/12/peer-to-peer-lending-the-basics-of-p2p-lending/#comment-1215 I see you jumped into p2p lending yourself with a loan requestion on Prosper.com. I just bid $50. Good luck! I hope you get funded. I see you jumped into p2p lending yourself with a loan requestion on Prosper.com. I just bid $50.

Good luck! I hope you get funded.

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