Author Topic: New P2P investment opportunities?  (Read 9784 times)

Watermen

  • Newbie
  • *
  • Posts: 46
    • View Profile
New P2P investment opportunities?
« on: April 06, 2013, 09:16:49 PM »
Alright, I am late.

P2P lending started in 2006…I didn't know it until Jan 2013. That is 7 years later…I missed so much earning opportunities.

P2P currency bitcoin started in 2009, I didn't know it until Feb 2013, still didn't really know what was it, until March 2013 and decided to start mining…I missed all the golden opportunities..


It just makes me wonder, what are the trend going on now and not known to most people? How to know about this kind of opportunities?


mitgib

  • Jr. Member
  • **
  • Posts: 73
    • View Profile
    • Hostigation High Resource Hosting
    • Email
Re: New P2P investment opportunities?
« Reply #1 on: April 06, 2013, 10:03:40 PM »
Well that is a good question, I ask myself this often, but the answer I always seem to come to, if I was to invest a small amount in every crazy idea that comes along, will the rare winner dwarf the mass amount of losers?

That is the question I really would like to be able to answer.  I seem to have found a new tool (10 years late no less) in the Motley Fool stock advisor subscription, that asks the same questions and how to act on some of the possible winners.  Sure they are wrong often as well, but right enough and sometimes huge, to make a better choice for my chances.

GS

  • Sr. Member
  • ****
  • Posts: 413
    • View Profile
Re: New P2P investment opportunities?
« Reply #2 on: April 06, 2013, 11:05:19 PM »
Crowd funding, or maybe "Crowd Investing", seems to be a new investment concept taking off due to changes to laws in 2012.  One of the more interesting ones I've heard of is Solar Mosaic, where you can invest in Solar Panel Projects.  It looks like a $25 minimum investment.  https://joinmosaic.com/  Although, it only seems to be open to accredited investors and residents of NY and Cali, they claim they are working to get Federal Law changed to fix this problem.  It does seem kind of dumb to me that I can't invest $100 in a solar panel project because I'm not a millionaire.

Unfortunately, I couldn't get too deep into their website because, being a resident of Florida, I was asked about my "accredited investor" status upon trying to sign up.  This seems like a pretty safe investment for a 6%+ return. 

Edit:  I should also meantion that I signed up with a crowd funding website called Bolstr.com, but once in, they too said that current laws do not allow me to invest unless I'm invited by company owner, but that they was working to change that...
« Last Edit: April 06, 2013, 11:34:54 PM by GS »

Zach

  • Administrator
  • Hero Member
  • *****
  • Posts: 622
    • View Profile
    • Email
Re: New P2P investment opportunities?
« Reply #3 on: April 07, 2013, 12:25:25 AM »
Well that is a good question, I ask myself this often, but the answer I always seem to come to, if I was to invest a small amount in every crazy idea that comes along, will the rare winner dwarf the mass amount of losers?

That is the question I really would like to be able to answer.  I seem to have found a new tool (10 years late no less) in the Motley Fool stock advisor subscription, that asks the same questions and how to act on some of the possible winners.  Sure they are wrong often as well, but right enough and sometimes huge, to make a better choice for my chances.

How has the motley fool premium service performed for you? How long have you been investing with it?

mitgib

  • Jr. Member
  • **
  • Posts: 73
    • View Profile
    • Hostigation High Resource Hosting
    • Email
Re: New P2P investment opportunities?
« Reply #4 on: April 07, 2013, 08:13:01 AM »
Well that is a good question, I ask myself this often, but the answer I always seem to come to, if I was to invest a small amount in every crazy idea that comes along, will the rare winner dwarf the mass amount of losers?

That is the question I really would like to be able to answer.  I seem to have found a new tool (10 years late no less) in the Motley Fool stock advisor subscription, that asks the same questions and how to act on some of the possible winners.  Sure they are wrong often as well, but right enough and sometimes huge, to make a better choice for my chances.

How has the motley fool premium service performed for you? How long have you been investing with it?

Not very long, joined it this year.  So it would be unfair to rate it's performance when we have yet to have even a dip.  But I have been impressed with the research available to me, and they are mostly promoting game changing ideas which seems to be the question Watermen is presenting.

rawraw

  • Hero Member
  • *****
  • Posts: 2795
    • View Profile
Re: New P2P investment opportunities?
« Reply #5 on: April 07, 2013, 08:40:58 AM »
I wouldn't consider bitcoin anything similiar to P2P

faeriering

  • Full Member
  • ***
  • Posts: 135
    • View Profile
Re: New P2P investment opportunities?
« Reply #6 on: April 07, 2013, 09:54:10 AM »
Waterman,

I wouldn't feel too bad about missing out on the first couple years of p2p, the returns were awful until the platform learned to appropriately price the risk of the notes.

ee1x

  • Full Member
  • ***
  • Posts: 124
    • View Profile
    • Email
Re: New P2P investment opportunities?
« Reply #7 on: April 07, 2013, 03:12:15 PM »
I wouldn't consider bitcoin anything similiar to P2P

I think Watermen was trying to highlight the decentralized nature of Bitcoin and not necessarily making a direct comparison with P2P lending.
Investing since March 2012

Fred

  • Hero Member
  • *****
  • Posts: 1421
    • View Profile
Re: New P2P investment opportunities?
« Reply #8 on: April 10, 2013, 10:51:36 PM »
Alright, I am late.

P2P lending started in 2006…I didn't know it until Jan 2013. That is 7 years later…I missed so much earning opportunities.

You didn't miss much as far as P2P lending is concerned.

As someone said, you probably didn't want to be around Proper in their first few years.  I lost money on early Prosper loans, even on AA loans.  Many others lost much more.  :'(

LendingClubStatistics

  • Newbie
  • *
  • Posts: 11
  • Making cents out of p2p lending
    • View Profile
    • LendingClub Statistics
    • Email
Re: New P2P investment opportunities?
« Reply #9 on: June 26, 2013, 04:21:38 PM »
Here is one for you to chew on: www.groundfloor.us

Basically it is P2P lending for real estate. I signed up for the beta and actually had a chance to do a Q&A with one of the co-founders, Brian Dally.  It looks pretty interesting.

SeattleSun

  • Full Member
  • ***
  • Posts: 217
    • View Profile
Re: New P2P investment opportunities?
« Reply #10 on: July 15, 2013, 03:30:29 PM »
Alright, I am late.

P2P lending started in 2006…I didn't know it until Jan 2013. That is 7 years later…I missed so much earning opportunities.

P2P currency bitcoin started in 2009, I didn't know it until Feb 2013, still didn't really know what was it, until March 2013 and decided to start mining…I missed all the golden opportunities..


It just makes me wonder, what are the trend going on now and not known to most people? How to know about this kind of opportunities?


I am here now and am probably the best example of a "late technology adopter" ever.  I was the last one on my block to get a PC and only becuse the kids were threatening to move out which isn't much of a threat if you know what I mean. 

Anyway my "gang" has had P2P on our "watch list" for years and we feel it is now time to get in the pool.

TravelingPennies

  • Newbie
  • *
  • Posts: 3
    • View Profile
Re: New P2P investment opportunities?
« Reply #11 on: July 29, 2013, 02:24:02 PM »
SeattleSun, I agree with you. I don't consider myself an early adopter on many technologies - I just think that P2P secured debt lending (not crowdfunding donations, equity, charity, zero-interest loans, etc) makes great economic sense. I'm a fan of joinmosaic.com thus far (I invested in one of their early projects and then have recently invested more in one of their 4.5% projects) as well as lendingclub.com. Lending Club seems more mature but Mosaic seems less risky in the long-term. Their fixed returns seem like a good counterbalance to my Vanguard funds in a way that Lending Club does not - If a stock market dip occurs, I expect my Lending Club portfolio's default rate to increase but Fort Dix will still need electricity.

Just my 2 cents. Are there any other similar secured debt sites that have sprouted up recently?

-Frugal J.

brycemason

  • Hero Member
  • *****
  • Posts: 801
    • View Profile
    • P2P-Picks.com
    • Email
Re: New P2P investment opportunities?
« Reply #12 on: July 30, 2013, 10:28:39 AM »
If you're frustrated with LCs application approval time and how long your money is tied up, steer clear of Mosaic! I swear these companies have a strategy to make extra money on the float. Just make funding the last step, ffs.

From the Mosaic prospectus:

Quote
When you commit to purchase a Note, the Note may not be issued until up to 90 days after you make your purchase commitment, during which time the funds you have committed toward the purchase of your Notes will not be available for investment in other Notes or for withdrawal from your account.

Randawl

  • Sr. Member
  • ****
  • Posts: 469
    • View Profile
Re: New P2P investment opportunities?
« Reply #13 on: July 30, 2013, 09:46:54 PM »

From the Mosaic prospectus:

Quote
When you commit to purchase a Note, the Note may not be issued until up to 90 days after you make your purchase commitment, during which time the funds you have committed toward the purchase of your Notes will not be available for investment in other Notes or for withdrawal from your account.

Wow!!  Talk about some serious cash lag. . . !