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I have six years of peer to peer lending and investing experience, on the LendingClub platform. I have invested in over 1,000 loans, in $25 increments. As a dividend growth investor and proponent of income investments (I optimize for passive income and yield), this video compares LendingClub (and peer to peer lending overall) to dividend stocks. In particular, I discuss the pros, cons, and returns that are possible with P2P lending.
* I go into depth on my personal results with peer to peer lending and LendingClub. Learn about my personal net annual return (after defaults) since I started back in 2011.
* Learn about the tax implications of peer to peer lending (taxed as ordinary income) versus qualified dividends (taxed as long term capital gains).
* See how I leverage my peer to peer loan portfolio as a makeshift emergency fund.
* Learn why I am personally at a crossroads, and am considering taking all money out of peer to peer lending and into dividend stocks. I’m at a point where it probably makes sense to just focus on one strategy, especially with my unexciting results from P2P lending.
* Learn how I used to work for the CEO of LendingClub, in a prior job, and why I think the company and platform is great.
* One cannot necessarily compare dividend growth investing to peer to peer lending, as they are different asset classes. That said, the comparison is important to my portfolio.
* Learn how investing in peer to peer loans helps people out (those borrowing money).
Disclaimer: I’m not a licensed investment advisor, and today’s video is just for entertainment and fun. This video is NOT investment advice. Please talk to your licensed investment advisor before making any financial decisions.
All content on my YouTube channel is (c) Copyright IJL Productions LLC.
Is p2p Lending a Good Investment, Peer To Peer Lending & Investing: Pros, Cons, & Returns.
How Do Payday Loans Work – Dangers And Alternatives
The first thing you need to know is that they are both very bad ideas. The easiest way is to save 10% of your pay check by getting rid of your beer drinking habit. As with any investment there are risks, but you feel you can understand them.
Peer To Peer Lending & Investing: Pros, Cons, & Returns, Search latest updated videos relevant with Is p2p Lending a Good Investment.
12 Tips To Safely Borrow Money Online
There are two ways of successful investment timing. You must have something inciting you to action…your ultimate “Why”. If you have a bad credit record, it’s definitely hard to get your loan approved.
If you were thinking of investing in peer to peer loans and were scared away by the commitments, Lending Club’s trading platform has just added some liquidity.
Peer to peer lending, or p2p Peer-to-peer lending investment for short is gratifying because you are investing in other people. Your money is being used by other people who are trying to improve their lives, whether it is through getting out of debt, funding a business or using that money to improve their home. Each borrower has a story, and based on that story, you can choose a borrower that you can relate to or just want to help out.
Start out by putting together a list of all the possible investors. Friends and family go on this list along with anyone else you may know or have come across that may have an interest in investing in your haunted house. This list could include industry contacts or other business contacts you have made over the years. Put everyone down that might invest. You are not looking for a single investor, why do that when you can find ten or twenty or even fifty who will invest smaller amounts to get you where you need to be.
2: The Web: Turn to the web for Peer-to-peer lending. While it’s a newer practice, it’s expected to grow in the coming years. It’s best to get your feet in first and establish yourself in order to make yourself more of a necessity to your working partner. How much you plan on using the web to promote your business (perhaps you have a web-based business in mind) is also a determining factor in how much, and to what degree, you should use this practice. Try having a MySpace account you strictly use for promotion. Use it for networking with local photographers. At some point down the road, they may be a valuable partner in doing a project together. Think of local photographers as friends and colleagues, not rivals.
What do experts predict will be a “safe” amount of money to withdraw from your Investments, without creating future problems for you? 4 to 5% is the consensus. That’s right; we went from feeling good about taking 8% withdrawals out of our investments to now only taking 4 to 5% and feeling safe about it. Why could this be? It’s simple really; equities are not ever going to give you a straight 8 to 10% rate of return.
Peer to peer lending cuts through all the red tape and makes loans available to a much wider group of folks that otherwise are left with no options at all.
These options listed above are not the only investments for beginners. There are other options that may be appropriate for you. It depends greatly upon the amount of capital you have. It also rests on whether you want money in the short term or an investment for the future. Some investments are excellent as life-long investments, while if you want to make money quickly then you will have to take more risks.
When talking about the highest yielding wine Investments, the wine that will almost always be mentioned is Bordeaux. You get a lump of money for your needs, and the buyer gets an opportunity to gain more profit on the long term.
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