Archives for March 2014

Meet Ryan - Passive Income and P2P Lending Investor, Blogger

March 25, 2014 by Ryan Lichtenwald 6 Comments

I think it’s important for readers to get a sense of who I am when they read my posts. I don’t want to be an anonymous blogger - I want to get out there and interact with readers and others in the industry. This is the main reason I decided to attend LendIt this year. In the past year, I have learned a lot about personal finance and eventually found my way to p2p lending. When I first invested in p2p lending, I blindly selected notes to invest in. This is in part why this blog exists today - to give me the best chance at solid returns (through education) while helping others along the way. Over the last few years, I have realized that my goal is to create multiple sources of diversified passive income through investing. I’ll outline the start my pursuits and how p2p lending fits in with my goals below. [Read more…]

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From the Peer And Social Lending Mailbox - #1

March 19, 2014 by Ryan Lichtenwald Leave a Comment

As this blog has continued to become more popular, I am starting to get some questions from the contact form. I really enjoy hearing from others who are excited about this industry so keep the emails coming! As I was writing response emails last week, I thought about how there may be many other people out there with the same question. As I continue to learn more about p2p lending, I need to remember that others may still be trying to learn. I too was in the same situation when I first got started. It’s also nice to get a different perspective on things. The Peer & Social Lending Mailbox is just a trial for now, but we will see how things go. Personally, I’d love for this to turn into a regular occurrence. The plan is to share emails and my responses that I think could help others. If I can’t answer them, I might try to reach out to someone else for comment. I’m also trying to figure out the best way to help new readers find content that is valuable to them as they educate themselves on peer to peer lending so keep an eye out for some changes. Keep in mind that none of the information I provide is investment advice and nothing on this blog should be considered as such. Check out our first email from James below!

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Peer & Social Lending will be at LendIt 2014!

March 13, 2014 by Ryan Lichtenwald 2 Comments

LendIt - the leading conference for p2p lending is May 4-6 2014. Through a combination of credit card rewards, generous friends in the area offering a couch and a great p2p lending community - I am extremely excited to announce that I will be in attendance! I never thought that this would be a possibility for 2014 and I can’t wait to be immersed with a group of people and companies who are just as excited as I am about the p2p lending industry. I am committed to creating valuable content for readers and learning more about p2p lending will only continue to keep me motivated. This an interesting time in history as traditional banking continues to be disrupted. If you’re going to be at LendIt, be sure you stop and say hi! I’ll be the one lobbying for LendIt 2015 to be in Wisconsin 🙂

If you want to learn more about LendIt 2014 check them out online here:

http://www.lendit.co/

BorrowFlex - Peer to Peer Lending with Friends and Family

March 11, 2014 by Ryan Lichtenwald 1 Comment

BorrowFlex is a startup in the peer to peer lending space with a twist. As opposed to getting a loan funded from anonymous investors with Lending Club and Prosper - your friends and family act as lenders. Since people lend money to friends and family already, it makes sense to structure and streamline the process. People need loans for all sorts of reasons, but I think this could be a particularly great alternative for people who often resort to things like payday loans. I had the opportunity to send questions to David Tran from BorrowFlex to learn more.

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Lending Club Filter Strategies and One Benefit of a Smaller P2P Lending Account

March 4, 2014 by Ryan Lichtenwald 6 Comments

I have been reading recently about other blogger’s strategies when it comes to Lending Club filters. I wanted to write about another technique that I utilize, which is creating filters that are restrictive based on how much you need to keep invested. Having a smaller account means that I don’t need to open up my criteria as much as others do. In the long run, (provided loan availability stays consistent) I should be getting even better returns. [Read more…]