Is Prosper.com a Good Investment?

Almost three years ago I discovered peer to peer lending, in the form of the then widely hyped Prosper.com. For a week or two I was enthusiastic on it as an investment, until I crunched enough numbers to decide it was not so exciting after all. In the meantime, I had put $1000 in ten $100 loan slices.

Loans on Prosper are three years in duration, so next week this little experiment will finally wind down. Assuming that I get the last $15.46 that is owed me, I will have received a grand total of $1029.50 over three years. A zero percent return is pretty lousy, but at least I have the solace that quite a few other things that I could have invested in in January 2007 would have done a lot worse.

But, as it turns out, breaking even makes me an above average lender on Prosper. According to the delightfully data laden Eric’s Credit Community, which tracks and analyses Prosper loan data, the average lender on the site has an ROI of –2.29%. Again, it could have been worse.

I found Eric’s from a post by Mark Gimein at Slate’s The Big Money, cleverly entitled You Are Unlikely To Prosper. That post has made a minor splash in some circles by making the case, with the use of actual data, that investing in Prosper has not really worked out for enthusiastic early adopters like me.

Prosper is incensed by this slander, yesterday calling for The Big Money to retract the post. They considered it to be "disappointingly inaccurate" and continued their response with such outstandingly lame counterpoints as:

Mr. Gimein states that 39% of loans that have had a chance to come to maturity (originated prior to 12/31/2006) have defaulted. What he doesn’t say is that the annual yield on these loans was 16% and the annual loss experienced by lenders was actually 20%, resulting in an annual average return of negative 4%. Although this return is negative, put in the context of the largest recession in generations, and the performance of other asset classes during the same time period, this paints a very different and more accurate picture of how lenders have fared on Prosper.

Mr. Gimein continues to use his flawed methodology to state that 54% of loans with an interest rate of 18% or greater have defaulted, leaving the impression that lenders on these loans have lost over half of the funds that they lent, and that losses ran roughly three times the interest rate on loans. Again Mr. Gimein is equivocating annual interest earned with cumulative default rates over a three year period. Lenders on these loans lost 10% on an annual basis, and while not positive, it’s a far cry from the 54% loss that Mr. Giemein flawed analysis leads the reader to believe.

In other words, sure people who invested with us are poorer now, but not that much poorer. And given the recent performance of the overall economy and consumer credit in particular, this really ain’t so bad.

Okay, those are valid points. I guess.

But read carefully and you see that Prosper is not saying that Gimein got facts wrong, only that by citing those facts he left the reader with a more negative spin than Prosper would like. 39% of loans written before 12/31/06 really did default. The best Prosper can say is that that is not as bad as it sounds. Inconvenient things, numbers.

Gimein’s piece ends with what I consider to be the most interesting facet of all this, that despite the relatively easy availability of quantitative evidence that the Prosper model is, at best, questionable, the media continues to happily shill for it as the next great thing. Gimein cites a recent MSNBC interview with the Prosper CEO and an article in The Washington Post. (To be fair, the Post’s item is mostly about what a good deal it is for borrowers.)

To this I will add that there is plenty of optimism about Prosper in the blogosphere, apparently founded on something other than actual data. For example, and I cite it only as one example of many, just last month The Digerati Life told us that "peer to peer lending offers a fresh, alternative way to invest your funds" and stated that Prosper had an average annual return of 7.06%.

For obvious reasons, I will refrain from saying that you would have to be crazy to invest in Prosper. But in hindsight I find myself wondering why I ever thought this could make sense. The basic pitch of peer to peer lending is that it takes the middleman out of the consumer lending process. That is, that individuals making loans directly to consumers is, somehow, a more efficient and better model than the tired old bank way.

What could we have possibly been thinking? Granted, it is pretty clear that in the middle of the last decade those professional loan officers did not do a very good job. But they screwed up by being too permissive, not by missing out on opportunities to lend to our trustworthy and wholesome peers. That is a mistake that, had you known about it in advance, would have made you want to stay far far away from making consumer loans.

I think that banks are generally pretty good at loaning money, if only for the Darwinian reason that banks that are bad at it do not last very long. Yet the fundamental premise of peer to peer lending is that amateurs like us can do it at least as well as the professionals.

I can take seriously the argument that ordinary individuals can compete successfully with the pros in stock investing. (I still think it is wrong, but I can listen to it without eye rolling.) But competing with pros in writing consumer loans? Really?

Investing, Media, PF Blogs | Frank Curmudgeon | January 20, 2010 1:59 pm

376 Comments

By Susan Tiner, January 20, 2010 @ 3:45 pm

This makes me wonder what’s makes someone really good at writing consumer loans. Does it have more to do with actuarial science or judgment of character?
By Jim, January 20, 2010 @ 3:48 pm

Interesting. When I first heard of peer to peer lending I thought it sounded like a great deal. Theoretically it seemed it should work for both sides, the borrower and lenders gets a better rate than a bank will give them. But the more I saw about the actual default rates it didn’t really seem like you could come out ahead even with a high interest rate.

I guess the obvious flaw in the whole system is that the lenders have to trust their money with strangers who have crappy credit. And of course a recession certainly doesn’t help.

At least you came out even Frank.
By Neil, January 20, 2010 @ 4:06 pm

And what have we learned? People borrowing money at interest rates in the credit card range are bad credit risks. Somebody call the New York Times…they’re not going to believe this.

I don’t think this is anything wrong with the prosper model. I think the problem lies with the willingness of prosper lenders to underbid on people with crappy credit.

I looked into P2P lending at one point, because, yeah, 10-15% interest rate sounds wonderful. But I found the number of people looking for, essentially, consolidation loans astonishing. Or to borrow money for frivolous uses (vacations, new car, etc.)

I want to believe that people can change and that they can get use a consolidation loan as a way to get out of debt. But if I’m betting money, I’m going to bet that they’ll use the loan to pay down their credit card, and then use the extra credit available to get deeper into debt.
By Mike Piper, January 20, 2010 @ 4:18 pm

Affiliate programs are a big piece of the puzzle in terms of blog coverage. For example, if I link to Lending Club, and you open an account through my link, I make $25.

A “review” post of Lending Club is a quick, easy way for a blogger to make some money.
By Craig, January 20, 2010 @ 5:43 pm

Don’t I remember reading some research that more attractive people (or at least, people with more attractive pictures) were more likely to receive loans on Prosper, and also more likely to default? If I were going to loan on Prosper–and I’m not–I’d only loan to people as ugly as myself.
By Rick Francis, January 21, 2010 @ 10:41 am

Frank,

Do we really have enough data to declare peer to peer lending dead? Would you seriously consider an analysis of the stock market that only looked at the market’s first 3 years and declared it a failure?
How is peer to peer lending significantly different from a credit card lending? The banks don’t have loan officers reviewing credit card purchases- the rates and limits are based on the applicant’s credit score and the peer to peer sites have the same data.
If the rate of return accurately compensates the default risk then on average the loans will be profitable. While the market under estimated the default risk three years ago isn’t it likely there will be future periods where it over estimates the default risk and makes greater profits?
I found this article about the lending club’s default rates:
http://www.fivecentnickel.com/2009/06/10/lending-club-historical-repayment-rates/
From the data in that post none of the A loans defaulted, and the defaults increased as the credit rating decreased. If you had only invested in A loans you would have gotten ~7% return. Not spectacular but it certainly beat CD rates over the last few years, and it shows the predictive value of the credit score.

-Rick Francis
By Jim, January 21, 2010 @ 2:11 pm

Rick,

Vanguard intermediate treasury fund returned 7% annually over the past 3 years and the junk bond fund returned 3.5%. Prospers advantage for lenders seemed to be the promise of higher returns. Now that we’ve seen prosper fail to give higher returns why would an investor put money in Prosper over say buying junk bonds or ultra safe treasuries?

I don’t see Prosper having any advantage for an investor right now unless they raise rates. But If Prosper raises its interest rates then it becomes less compelling to the borrowers. Theres not much margin to give good rates for both lender and borrower and still give prosper profits off the top.
By Alexandra, January 21, 2010 @ 3:10 pm

I believe that peer lending still has it’s place in this world. But I would prefer to do it in a face-to-face manner with my enforcer right behind me so that they know if they default, they’ll get their knee-caps broken.

That’s my kind of loan gaurantee!
By Rick Francis, January 21, 2010 @ 5:04 pm

>Why would an investor put money in Prosper
>over say buying junk bonds or ultra safe
>treasuries?

Peer to peer lending should have a long term average rate of return in line with its risk. If it can’t it should die out in the long run. Thus Peer to peer must offer higher rates of return than ultra safe treasuries.

Right now I don’t think there is enough data to know exactly what the long term averages are going to be. However, I would be surprised if there wasn’t some bond fund that closely matched its risk/return profile.

Even if the risks/returns are exactly the same as some existing bond fund peer to peer lending should offer investors some amount of diversification.

-Rick Francis
By mwarden, January 21, 2010 @ 9:26 pm

You aren’t competing with banks. You can only lend out as much money as you actually have. The banks don’t have to worry about this pesky restriction.
By Investor Junkie, January 21, 2010 @ 10:15 pm

I think the issue comes down to Prosper did not properly calculating the risk to default. I am a Lending Club investor, abit small at the moment ($1k). I do believe they are a better option and wrote a review on my blog. I’ve been doing it for 6 months 30 loans, so far 10.42% return and no defaults.

http://investorjunkie.com/lending-club-review

I have no problem pulling punches against LC or any other P2P web site. The problem is many in the blogosphere are too influenced by the affiliate fees.

I don’t consider P2P dead. I will be posting updates more about Lending Club and my return in the future. I plan on putting up to $5k into Lending Club, but I consider throwaway money to try it out.

So while it’s an interesting alternative investment, I don’t consider it for everyone.

From a borrower I definitely think it’s the way to go if you cannot get better rates else where. I consider that factor too as CC rates are going up. People are looking for better rates.
By Dan, January 22, 2010 @ 12:19 pm

I stand to lose about $180 of my original $3000 investment in Prosper. I’ll find out in July 2010 exactly what my losses will be.

So what did I think I could do that banks couldn’t? Well… uh… there *is* that little game with 0% intro offers on the credit cards where the rates get jacked if you miss a payment. Most signature loans at a bank ran around 14% when I looked. So I figured that a prime borrower may be happier to lock in an 8-9% rate that couldn’t be screwed with. (I still believe that to be the case.) Trouble is, large enough loan amounts amortized over 3 years result in a rather huge monthly nut.

On the bottom end, however, I toyed around with the idea that banks over-priced the thin files. Turns out they knew what they were doing. (In this case, I thought those with a thin file actually had something to gain by adding to their credit history, and would avoid defaults as a result. I was wrong.)

Then, and I really did think there was some potential here — couldn’t we steal some business from the Pay Day Loan companies? Surely, paying off $1k at $35/mo for 36 months was much more reasonable than the business models the PDL folks use. I still believe this to be the case — but I also believe that people will act in their own economic best interest. The “HR” rating that Prosper gives isn’t just a credit grade, it’s a lifestyle. And those with crappy credit probably have more to gain by taking the money and the hit on their credit report (what’s one more unpaid collection?) than they do by paying it back at such high rates.
By Dan, January 22, 2010 @ 12:22 pm

Oh, I forgot to close with this:

So what were we thinking? In hindsight, it’s easy to call this a failure. But if existing business models are never challenged, we will never have any innovation or progress. And the pros have demonstrated with this economic crisis that they aren’t perfect.
By Kosmo @ The Casual Observer, January 22, 2010 @ 1:51 pm

“Then, and I really did think there was some potential here — couldn’t we steal some business from the Pay Day Loan companies?”

I’ve been hearing ads lately for a pay day loan consolidation company. Consolidate your multiple 500% APR loans into one nice, frienly 200% APR loan and everyone wins, I guess
By Kosmo @ The Casual Observer, January 22, 2010 @ 1:54 pm

One thing to note (and what I believe Prosper is driving at in their response) is that a default doesn’t always mean you lost the entire investment. If someone fails to make the final of the 36 payments, that’s still a default – but the lender is in considerably better shape than if the borrower made no payments at all.

I’m not saying that P2P isn’t risky, just that you can’t tell a geat deal by the raw default rate.
By Peter, March 16, 2010 @ 1:48 am

I just came across Prosper today and after looking at my money market and high interest checking returns, decided to look into it.

After reading a number of reviews, the one thing I haven’t heard anyone mention is Prosper’s failure to address the consequences faced by a defaulting borrower. As a potential lender, this is my very first question – that is, if i’m borrower, what is my motivation to pay this money back? Spend some time on the Prosper website and you won’t find this addressed, at least not directly and not from the lender’s perspective.

With no collateral, and a 0.48% collections rate, there is very little incentive for a borrower to pay the money back. The worst thing I can think of is that the person will be banned from the site and his or her credit score will be dinged.

For a person with great credit, this ding may not a be a big deal, as their credit will probably still be pretty good – and for a person with bad credit, well, they probably never cared too much about their credit score in the first place. So why pay?

Personally, I like the p2p concept and think it has strong potential. Eventually, the market will adjust for these things and prices will take this risk into consideration. To help this along though, Prosper could do itself a big favor by increasing the penalties for defaulting.

First of all, they obviously need to increase their collections rate – as it is pathetic.

But more importantly, they need to use social shame / embarrassment – one of the most powerful forces around. Prosper should require friends and family to “endorse” potential borrowers so that if they miss a payment, these people are contacted and told their relative / friend is a deadbeat that should be taken around a corner and shot.

Other possible references could be employers, social organizations, church groups – basically any person or group that you would be mortified to find out Prosper has contacted them and told them what a terrible person you are.

Additionally, I imagine most potential borrowers are “internet savvy” and probably have a profile on Facebook or LinkedIn or some other social / public facing site. Prosper could require borrowers to grant it limited access so that if a borrower missed a payment / defaulted, the borrower would be flamed on their public profile. How would you like a tweet, a wall post, or a message going out to your friends and professional connections saying:

“Mr. X is late on his loan payment by over 30 days. After making a commitment to repay his fellow community members on time, Mr. X decided to take advantage of their generosity by not living up to his word. If you read this post, please tell Mr. X to live up to his end of the mutually agreed upon bargain and whatever you do, do NOT lend money to MR. X!”

Lastly, shorter terms. From the reviews I’ve read, most borrowers make the first few payments and even do well for the first year, after that, it starts going downhill quick. Prosper requires a three year term; instead, it should allow a number of different term durations. Sure, a shorter term = less risk = lower return for the lender, but I’d rather have a lower return that I’m more likely to earn (and still beat the 1% I’m getting on my checking account) than to lose my principle as the effects of time make my borrower forget about the promise he/she made 3 years prior.

Does any one else have any ideas on how to improve the social lending model?
By Paul, May 26, 2010 @ 10:52 am

I’m a 2007 Prosper borrower rated “D” at the time paying 14% on a 3k consolidation loan. I think I only answered 2 questions from lenders, which somewhat surprised me. I’ve never missed a payment.

The way I see it, I’m the guy this stuff is made for, but when I looked at the site from an investor’s point of view, I don’t see how you could tell if I would be a good loan or not.

I do think the loan terms need to change. When the stats show the default rates rise rapidly after the first year a 1 yr term would be ideal for many higher risk borrowers.
By Ryan, October 2, 2010 @ 6:24 pm

I started investing in Prosper in November or so of 2010. I’ve put in a total of $5000 now, approximately $500 ever few weeks for the first 7 months or so. My account is now valued at over $5400, which is a great return. If I had put in all $5000 in the beginning, that would be an 8% return in less than a year, but because all $5000 wasn’t working for me from the beginning, it’s actually higher than that.

Of course, I tried to sign in today, and it said that Prosper is no longer allowing Florida residents to transfer funds in or bid on notes, so I’m not sure what’s going on now…
By jkeller4000, October 25, 2010 @ 9:30 am

I was thinking, banks use leverage, they take out loans to loan money to people. They will be able to always get better returns than us if they leverage, if you are good and trust your abilities to keep a positive return, leverage, take loans from you bank to invest in prosper and maybe you can get the return that a bank does. Maybe you could get a higher return, They key to make lots of money is leveraging. however this becomes much riskier, and you should set up a corporation just in case you lose money, and maybe you could call this corporation a bank, oh look thats exactly what banks do, they take your money from cds and savings accounts, your loaning money to the bank, then they loan it to people to buy houses and cars. so banks leverage a lot it is how they make money. we will not make much money from just loaning money we have to people, we need to increase risk and leverage,one guy has done this he took a loan out on prosper for 6% then loaned it to people for 12%. this is the way to make money however you got to have a good credit score to be able to succeed and have to make sure you can obtain a higher return after taxes then your loan is.
By Jeff, November 23, 2010 @ 3:12 pm

interesting reading. I participate in Entropia Universe, an online virtual reality game where the in game dollars are tied to the real US dollar in a 10:1 ratio. In there, there are virtual banks, but they don’t do traditional loans or savings – they are more like virtual pawn shops… so I was thinking about starting to use prosper to start something like a lending system for in the game, but after reading this article, I have some serious doubts about it… even if the risks of prosper would be less then the risks of various “investment funds” in game that various avatars have tried to start, all of which have 100% risks as in game the official rule is that “all trades are final” so there’s no ability to actually enforce some sort of interest payment coming back to you on an item or cash you lent to someone.
By Bill Hemschstat, February 4, 2011 @ 9:01 am

I tried prosper with 600 dollars. I made only 14 50 dollar loans 12 to AA rated loans and 2 do D rated loans. Twice I doubled down reinvesting $50 in 2 more loans, hence 14 loans. I averaged about %12 interest rate. I began loaning in Jan of 2008. So far I have withdrawn back to me 607.22. 8 paid in full. 3 defaulted with token sums collected (prosper says I have had $79.69 charged off. I have one loan that is 90 days plus late and two that are likely to be paid off in a few months. Total value of remaining loans is $19.18 with $4.53 likely to be charged off.
Rate of return is a tricky things. If I collect $15 more dollars that will bring my balance returned of $622 on a 600 investment. I think that is about a 3.6% return for 3 years or 1.2% for 1 year. That is a rough calculation because the loans were made over a period from Jan 2008 until Aug 2008.
I must say this it has been entertaining. The dow was at 14,000 in August of 2008. If I put that 600 dollars in the Vanguard Total Stock Mkt Index fund then I would not be breaking even yet.
I am still not sure this is a good investment or not. Look at the banks and how they did with their loans.
By abe, February 17, 2011 @ 9:42 am

i tried giving them fifty dollars which i never invested–NEVER ABLE TO GET THAT BACK.
By Alisand, February 26, 2011 @ 8:28 pm

My last Prosper loan comes due in 7 weeks and my experience has been very disappointing. I made 13 loans and 3 of my borrowers – 2 whose credit rating was AA – defaulted early on. One made one payment and disappeared. I was just reviewing my loan portfolio and was astonished to see that a loan that comes due in a few weeks and is current has only netted me a bit over 9% (109.54) in the nearly three years I had it – and the loan rate was 9%. I should have had $9 at the end of the FIRST year, not near the end of the third! This is ridiculous – apparently the interest rate I thought I was getting was spread over the life of the loan, not annually. I do have to thank the guy who bailed after one payment though – I thought someone with a stellar credit rating wouldn’t ruin it but he did, and it saved me from investing any more money in prosper.
By Alan, March 7, 2011 @ 2:36 am

I have been investing with prosper for 2.5 years. I have made over $3K in loans over that time. 5 loan have defaulted and 16 are paid in full out of ~100 total loans and 2 additional loans that will likely default in the next 90 days. Proper has my ROI as >%10 for the first 2 years. I expect that when is all said in done I will have an overall APR about 6-8%. This is a real investment you and you can sustain real loses. 1 loan default can make the difference between making and losing money. Like any investment you need to be careful and understand the risk vs. the rewards.
By Shannen Doherty, May 4, 2011 @ 4:53 am

Hi,

I am Shannen Doherty. I was going through your blog(badmoneyadvice.com) and read some unique articles on finance with ample information. I would be highly obliged if you allow me to do relevant informative guest post on your blog.

I’ll feel myself very lucky to be your guest writer and produce informative and sticky content for your blog.

I am a financial writer and my articles have been published in many good quality social websites & in many reputed blogs. If you want to see some of my published articles I would be glad to send over the links to you.

Please let me know what you think. Contact me at shannen.doherty86@gmail.com .
Looking forward for a positive reply

With Regards,
Shannen Doherty
By Kenerly, August 15, 2011 @ 4:52 pm

I have 6 active notes with prosper, 8 that have been paid in full. I hand picked each loan. I have had zero defaults and my current return is 9.89%. Not to bad. If you do invest with prosper, take the time to pick your loans…
By Goedjn, November 30, 2011 @ 2:24 pm

@Kenerly: That’s been my experience too. I put $500 in in 2009, I pulled $100 out in 2010, and the current value of the account is just shy of $600. Of 39 notes, 6 got paid off early, 2 are late, and 4 are charged off. It’s working pretty well for me. But you have to actually work with the design philosophy. Take the diversification advice seriously, and READ the loan applications, and don’t lend money to people who want it for stupid reasons, or who you can’t figure out how they expect to pay it back. I don’t know why they even have the auto-investor tool. The whole point of the program is that you can do better than an arithmetic formula at guessing who’s reliable.
By VALENTINA ALLISON, December 15, 2011 @ 7:15 am

Hello,

I am Valentina, a member of some financial communities. I have found your site (badmoneyadvice.com) in Google while searching and I found the articles really worth reading. The quality of your content is so good, that it made me request you something. I love to write financial articles and would like to contribute something for your site absolutely free of cost. I can give you an original guest post and if you want, you can suggest me the topic also and I will write accordingly. Not only that, I will give you the total rights to edit the article and modify it as per your needs.

Please let me know your thoughts. Waiting for your positive reply.

If you have any questions or need anything feel free to contact me at : valentina3633[at]gmail[.]com

Thanks and Regards,
Valentina Allison
By Renee, January 18, 2012 @ 10:29 pm

Granted this article is a bit old, but I made $500 worth of loans on Prosper and I’m netting 8 percent so far with no defaults. I chose mostly AA loans, with some A loans and one HR loan. I made sure not to select loans where there were inquiries or any defaults. I also read their descriptions and if something seemed fishy about it, I passed on that particular one.

I dunno I’m having good luck with it. Sorry your experience didn’t go so well though.
By mark, February 1, 2012 @ 8:38 am

Since i love your posts i thought i would show my appreciation by making a comment. Thanks alot for the very good times you give
By Commenter regarding prosper.com, February 23, 2012 @ 12:11 am

I am being screwed over by Prosper because they refuse to simply do something small as there is no money in it for them, therefore they have absolutely no motivation. I have created a change.org petition in hopes of drawing some attention to the matter. Please consider checking it out and signing it. Thanks. http://www.change.org/petitions/prosper-marketplace-inc-prospercom-san-francisco-ca-94104-forward-settlement-offers-from-defaulted-borrowers-to-the-lenders
By al, April 23, 2012 @ 12:25 pm

You took $1000 and instead of diversifying over 40 loans at $25 per loan, you invested in 10 loans at $100 per loan????? You weren’t investing. You were speculating and you got burned. That’s not prosper’s fault any more so than some idiot plunking down his entire etrade portfolio on out of the money options and then blaming etrade for most of the options expiring without value. Also, did you ever re-invest the accrued cash? No, you probably let that sit in the account until the very last loan got repaid. None of this is prosper’s fault. For the record, I have been with prosper since 2009 and have averaged an 8% annual return over that time. It’s a great place to park cash but you have to watch and manage it like any other investment.
By mothandrust, May 1, 2012 @ 1:37 am

I am a Prosper lender and am concerned about the lateness of Prosper passing through payments to lenders.

On one of my loans, Prosper passed through the borrower’s payment after holding up the payment in “processing”. The borrower even posted a scan of his account statement showing the amount was debited!

After several emails to Customer Service, lenders finally got paid, but now Prosper is 30+ days late on the next payment. The borrower is paying, but why is Prosper tying up the money for so long??
By Jagguy, May 27, 2012 @ 9:01 pm

Don’t forget about the opportunity to reinvest all those payments. While taking on additional risk you also get extra rewards. I have been lending on prosper since 2006 and have never had a negative year. I read every listing and try to stay away from high risk.
By Frank, August 5, 2012 @ 5:29 pm

Prosper.com is an amazing platform and it’s enabled be to obtain great returns on a consistent basis. The key is to simply invest in loans with moderate risk and invest in some that are a bit risky but have potential. Or if you want, invest in their AA,A,B, and C rated loans you’ll easily get between 9-14% return. The site is amazing in that it lets you play banker and have direct access to quality borrowers. These borrowers range from people with amazing credit looking to borrow some money to fix up their house or to simply go on a vacation. They then range into people with ok credit but really want to get rid of 5 credit cards and get debt free. We all know that feeling of having a few credit cards with balances and you just want to get rid of them and get debt free, Prosper does just that. And it provides a platform that helps people on both ends. Now sure there are risky loans to invest in on the site, that’s why maybe you invest in a few of those to diversify, but there are so many qualified borrowers on the site to invest in. Great site.
By Jesse, August 8, 2012 @ 11:07 pm

Prosper lied. They predicted that my annualized return on the loans I chose would be somewhere around 8-10%. My portfolio is currently at a Negative -24%. Fortunately, I only spent $500 to find out that Prosper is a sham.
By Shameem Chowdhury, August 11, 2012 @ 8:23 am

I love keeping up with these articles It makes the afternoon.
By Amanda, September 7, 2012 @ 6:28 pm

Prosper canceled my loan after several weeks because I played phone tag with a representative. He called me on my mobile while I was at work. He left me a message and as soon as I could I called him back and got his voicemail. I left him a message. This happened 2 times. He tried calling me a third time, again – while I was at work, did not leave me a message and minutes later my listing was canceled.

My loan was fully funded. I was a AA borrower and I provided them with every bit of documentation they asked for in a timely manner. They had all of my personal information – all of my financial information. BUT, because the representative whose job it was to contact me on the phone failed to do so, my loan was thrown in the trash. I was NEVER told that if I didn’t talk to the Prosper representative on the phone in a certain amount of days that all of my hard work was going to be wasted.

In summary, this was a VERY disappointing experience with a company that does not care about people.
By how to buy a car with bad credit, February 15, 2013 @ 9:06 am

It is not my first time to pay a visit this website, i
am browsing this site dailly and obtain nice data from here every day.
By Ulrike Guldin, February 24, 2013 @ 8:25 am

I have taken note that of all sorts of insurance, medical insurance is the most controversial because of the clash between the insurance policy company’s duty to remain profitable and the user’s need to have insurance policies. Insurance companies’ profits on well being plans have become low, therefore some providers struggle to gain profits. Thanks for the thoughts you write about through this web site.
By Gail Oeder, February 24, 2013 @ 8:30 am

Great blog post. A few things i would like to add is that personal computer memory needs to be purchased should your computer cannot cope with whatever you do along with it. One can add two good old ram boards containing 1GB each, as an illustration, but not one of 1GB and one of 2GB. One should check the car maker’s documentation for the PC to make sure what type of storage is necessary.
By michael, February 28, 2013 @ 4:28 am

It seems to me that all these people claiming losses got greedy and probably banked on tge D-HR rated loans. In 6 months with prosper I’ve stood strong @ 8+% with zero defaults. This is sticking with AA-C loans. If you look at tge loan descriptions, you’ll find that even a C rank borrower has a credit score above 720; which you don’t get by not paying your bills. Personally, I feel that 8% is better than most options out there, and if you got greedy reaching for an unrealistic 15-20% return, then you deserve to get burned.
By Charles L., March 5, 2013 @ 8:00 am

I have loaned over $2500 in the last 12 months and surprising no one has missed a payment.
By acheter vue youtube, March 9, 2013 @ 8:18 pm

Very energetic article, I enjoyed that a lot.
Will there be a part 2?
By ルイヴィトンメンズ, March 24, 2013 @ 1:19 pm

These are genuinely fantastic ideas in regarding blogging.
You have touched some pleasant things here. Any
way keep up wrinting.
By bad credit auto loansin florida, April 1, 2013 @ 2:35 am

Thank you for comment and hope that you will visit or Subscribe to our website.
By where did you receive this theme? lemdqrihhb click here, April 17, 2013 @ 1:21 pm

pkovvhiziiyn
By feivucchvcan, April 17, 2013 @ 4:29 pm

gjehxkvbhyiu
By byepkhkjymun, April 17, 2013 @ 6:01 pm

ykbjpcolbemr
By lvcwecmdpqgf, April 17, 2013 @ 6:47 pm

vqgcfavcjwol
By bad credit car loans alabama, April 24, 2013 @ 2:06 am

Thank for comment and We hope you visit our website. website are welcome.
By bridge forward via duct, April 29, 2013 @ 10:35 pm

Heya i am for the first time here. I found this board and
I find It truly useful & it helped me out much.

I hope to give something back and help others like you aided me.
By gutchicheap.com, May 7, 2013 @ 12:30 am

ルイヴィトンのブートのおかげで会社、ルイヴィトンのオーストラリア我々このごろできます楽しむトップ-品質財布します。スタイル示唆全くそれらのため。ただし、ほとんどこれら財布
必要に治療。取得女性のラインとして、例、我々が見ることができます多くの可能性それらのため。
By hcg drops, May 20, 2013 @ 2:56 pm

This blog was… how do you say it? Relevant!! Finally I have found something
which helped me. Appreciate it!
By secured loans, June 5, 2013 @ 7:31 am

Hi, just desired to let you know, I enjoyed this blog post. It had been funny. Carry on posting!
By LordNecron, June 8, 2013 @ 7:15 am

I have been with prosper since 2010 and have around 70 loans.
7 have defaulted 5 have been paid off early.
In 2012 I earned 17 percent .
I like prosper and have made money here this money continues to be reinvested in more loans as it comes in. My success is largely due to my only lending out 25 dollars to each loan.
the large part of my loans are d and hr loans and my worst default rate for reasons I cant figure out have been C loans. so now I stay away from C loans and put all my incoming money into B loans.
By Mike V, June 14, 2013 @ 12:53 am

I have been a lender since 06 with bad results in the first 2 years from 09 til now I have about 170 loans each year making 5% My worst paying ratings are AA and B’s. C have been the best and I am making about 10% on C’s
By william koontz, June 24, 2013 @ 3:49 pm

i tried to get a loan from posper they said it was approved ask for some more information which i sent and they dont have the decency to answer me i try to reach them and the website is having errors i figure they seen who it was and wouldnt answer because they dont do business above board
By ericksonbiuw.bravejournal.com, June 25, 2013 @ 7:03 am

In addition, this will support you to locate an online credit debt
lender who provides an offer which is the interest paid on loans, such as home loans.

Co-signers put lenders at ease. So they want to buy their dream car.

That’s the basic requirements for getting approved with some of the local lenders and dealerships in your area all deal with different lenders.
By personal loan, July 2, 2013 @ 12:15 am

My spouse and I absolutely love your blog and find most of your post’s to be exactly I’m looking for.
can you offer guest writers to write content for yourself?
I wouldn’t mind publishing a post or elaborating on a few of the subjects you write related to here. Again, awesome blog!
By instant loans, July 2, 2013 @ 12:33 am

Thanks for every other great post. The place else may anyone
get that type of information in such a perfect way
of writing? I have a presentation subsequent week,
and I’m on the search for such info.
By business loans, July 2, 2013 @ 12:46 am

Hmm is anyone else experiencing problems with the pictures on this blog loading?
I’m trying to determine if its a problem on my end or if it’s
the blog. Any suggestions would be greatly appreciated.
By Online Forms, July 16, 2013 @ 10:34 pm

Those that cannot apply for this kind of card or that would prefer a different solution
could consider a prepaid card that comes with a credit building element as an alternative.
You might get one or more benefits of outline designer along
with it is the ideal means to unleash the
capacities. You can make corrections directly instead of
having to search mistake through the code, if something does not seem OK for you.
By visual form builder, July 17, 2013 @ 2:22 pm

The only requirements are that it is not pornographic or
otherwise inappropriate for your visitors. They will help
you create stronger engaging articles and videos in your
marketing campaign. Plus, the satisfaction of watching it turn on for the first time is something to behold.
By Online form Generator, July 17, 2013 @ 2:34 pm

You may notice that the concept of compensation plan may seem to
be common in the networking industry. Rather, they’re designed to help spark possibilities in your own mind. Html form builder renders efficient service to online business companies to create any sort of online form to integrate it into their website and receive incoming information from online visitors.
By online form creator, July 17, 2013 @ 3:58 pm

Those that cannot apply for this kind of card or that would prefer a
different solution could consider a prepaid card that comes with a credit building element as an
alternative. It’s easy to use a fake IP address on i – Phone and i – Pad, but you need to know what you need the fake IP for. Therefore it’s better to always do the intelligent point
and take these tips.
By online form generator, July 17, 2013 @ 4:42 pm

Flash web designers will like the cost and the
creativity of the Trendy Flash Site Builder. Wouldn’t it be easier if we could be able to save changes ourselves whenever we want. Once safely at Thebes, though, the obelisks were brought to the temple at Karnak with much fanfare.
By Mazi, July 18, 2013 @ 12:12 pm

They play the same document runaround game with lenders too. Its a wonder they stay in business. I provided a passport for ID. Every time I tried to lend I would get error messages prompting me to fax identification. They emailed me a lender services #. I called and had to wait through 10 prompts before finally getting the “to speak to a representative” then was told its not good enough. All of my account information is the same state and the funding bank is the same state. There are better companies for this service. They stole time from my life! I am sure they are profiting off the information they have already collected on me. I was up and running with Lendingclub.com immediately. Cancelled Prosper.com and never looked back.
By деу сенс, July 20, 2013 @ 12:28 pm

Если вы должны начать процесс охлаждения немедленно, вы хотите, чтобы охладить радиатор первой.
держаться подальше от высоких гонораров ремонтов люди научились сохранить свои
транспортные средства на свои по своим свойствам и в
своем собственном темпе . отдельных сертификации ASE дается для каждого
отдельного автомобильного специализации службы, которая
существует в отрасли .
By forex option strategy, July 21, 2013 @ 12:16 am

This design is spectacular! You definitely know how to
keep a reader amused. Between your wit and your videos, I was
almost moved to start my own blog (well, almost…HaHa!) Wonderful job.

I really enjoyed what you had to say, and more than that, how
you presented it. Too cool!
By lia 19, July 22, 2013 @ 2:29 am

Will not worry about forgetting. Compare rates and terms for the type of
loan is guaranteed by the government. You can use
the money to pay off credit card with very high credit line.
Is consolidate credit likely to be rejected, while an applicant employing
a monthly income of $5, 000 loan, you will need to have an
effect on business payroll functions is legislation. consolidate creditObtaining
a consolidate credit can be your biggest financial nightmare, depending on the
quality of the company.
By what is binary options, July 25, 2013 @ 6:24 am

I’m truly enjoying the design and layout of your website. It’s a very easy on the eyes which makes
it much more pleasant for me to come here and visit more often.
Did you hire out a designer to create your theme?
Exceptional work!
By www.moments-of-life.at, July 28, 2013 @ 2:27 am

But while successfully bill consolidate filing does mean
the debts are gone, there are alternatives. Once that is done,
you could possibly be fine, but things have gotten out of hand and you’re at the point where you cannot pay them any more. Refinance Your Mortgage Mortgage rates continue to be an option. Generally, refinancing is better for you. Student bill consolidate are offered to all types of students.
By personal loan, August 4, 2013 @ 6:23 pm

Right now it looks like Expression Engine is the best
blogging platform out there right now. (from what I’ve read) Is that what you’re
using on your blog?
By personal loans, August 4, 2013 @ 10:03 pm

Hello it’s me, I am also visiting this web page on a regular basis, this website is in fact pleasant and the viewers are really sharing nice thoughts.
By online form builder, August 7, 2013 @ 2:33 pm

Those that cannot apply for this kind of card or that would prefer a different solution could consider
a prepaid card that comes with a credit building element as an alternative.
For professional web site builders extra complex laptop software program for net design is needed.

Therefore it’s better to always do the intelligent point and take these tips.
By tor.com, August 8, 2013 @ 11:40 pm

Pretty nice post. I just stumbled upon your blog and wanted to say that I
have truly loved surfing around your weblog posts. After all I
will be subscribing on your rss feed and I’m hoping you write again soon!
By 썬 시티 카지노, July 10, 2019 @ 6:22 am

Can I just say what a relief to uncover someone that really understands what they are talking
about online. You actually know how to bring a problem to light and make
it important. More and more people really need to read this and understand
this side of your story. I can’t believe you aren’t more popular
given that you most certainly have the gift.
By emergency dentist tuscaloosa, March 10, 2023 @ 9:24 am

Hi there, just wanted to say, I liked this post.It was helpful. Keep on posting!
By view website, March 10, 2023 @ 10:29 am

I really love your site.. Pleasant colors & theme. Did you build this amazing site yourself? Please reply back as I’m planning to create my very own blog and want to know where you got this from or what the theme is named. Thank you.
By emergency dentist tuscaloosa, March 10, 2023 @ 12:06 pm

Hey! Would you mind if I share your blog with my zynga group?There’s a lot of folks that I think would reallyenjoy your content. Please let me know. Thanks
By Lawn Mower Repair, March 10, 2023 @ 5:20 pm

Muchos Gracias for your blog article.Thanks Again. Really Great.
By Lawn Mower Repair, March 11, 2023 @ 12:03 am

Thanks for sharing, this is a fantastic blog article.Thanks Again.
By carbon cleaner machine, March 11, 2023 @ 5:26 pm

I value the article post.Really thank you! Will read on…
By Download Mp3 Libianca People, March 12, 2023 @ 2:13 am

Very nice blog post. I certainly appreciate this website. Keep writing!
By boiler repair 19015, March 12, 2023 @ 9:54 am

Wow, great article post.Really thank you!
By solar panels, March 12, 2023 @ 4:55 pm

A big thank you for your blog article.Really thank you! Fantastic.
By Anthony's Tony Natale new jerse, March 13, 2023 @ 7:54 am

Enjoyed every bit of your post.Thanks Again. Much obliged.
By anthony natale n.j. Linkedin, March 13, 2023 @ 1:25 pm

Looking forward to reading more. Great blog article.Really looking forward to read more. Great.
By michael mendes bankers life and casualty co, March 13, 2023 @ 7:21 pm

Thanks for the blog article.
By bounce house rentals, March 14, 2023 @ 12:23 am

I do agree with all the concepts you’ve presented to your post. They are really convincing and will definitely work. Still, the posts are very brief for starters. May just you please extend them a little from subsequent time? Thanks for the post.
By michael mendes on fb, March 14, 2023 @ 2:09 am

Very informative article.Really thank you! Awesome.
By muebles hechos con palets, March 14, 2023 @ 4:12 am

Nice read, I just passed this onto a friend who was doing a little research on that. And he actually bought me lunch since I found it for him smile So let me rephrase that: Thanks for lunch!
By bounce house rentals, March 14, 2023 @ 9:52 am

Hey there just wanted to give you a brief heads up and let you know a few of the images aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same results.
By corel magaletta, March 14, 2023 @ 10:15 am

Very neat article.Thanks Again. Awesome.
By jual dan sewa container bekas, March 14, 2023 @ 3:08 pm

Hello there, just became aware of your blog through Google, and found that it is truly informative. I’m going to watch out for brussels. I will appreciate if you continue this in future. Numerous people will be benefited from your writing. Cheers!
By car connector, March 14, 2023 @ 4:12 pm

Say, you got a nice article.Much thanks again. Fantastic.
By last night of the proms, March 14, 2023 @ 10:08 pm

I have not checked in here for a while as I thought it was getting boring, but the last several posts are great quality so I guess I will add you back to my daily bloglist. You deserve it my friend
By detailing grodzisk mazowiecki, March 14, 2023 @ 11:23 pm

Great article.Much thanks again. Awesome.
By chelsea flower show tickets, March 15, 2023 @ 3:56 am

What a material of un-ambiguity and preservenessof precious know-how on the topic of unpredicted emotions.
By pragmatic play 899cash indonesia, March 15, 2023 @ 5:05 am

Wow, great post.Really looking forward to read more. Awesome.
By imtoken下载, March 15, 2023 @ 8:15 am

Thanks so much for the blog.Thanks Again. Keep writing.
By www.everythingentertainment.com, March 15, 2023 @ 8:38 am

canadian pharmacy tadalafil – xtadalafilp.com tadalafil generic
By call today, March 15, 2023 @ 11:18 am

vegas slots online vegas slots online play slots online
By 먹튀커뮤니티, March 15, 2023 @ 2:22 pm

I really enjoy the blog.Thanks Again.
By https://www.ariseeventrentals.com/, March 15, 2023 @ 7:25 pm

Greetings! Very useful advice within this article! It’s thelittle changes that will make the largest changes. Manythanks for sharing!
By 먹튀커뮤니티, March 15, 2023 @ 9:21 pm

I value the article post.Really looking forward to read more. Want more.
By Markus Zerring, March 16, 2023 @ 12:43 pm

Ich mag die Art und Weise, wie Sie diese Angelegenheit dargestellt haben und es tut liefert uns viel Futter für Überlegung. Trotzdem, von was ich persönlich gesehen habe , ich einfach einfach wünsche wann anderen Rezensionen Stapel dazu Leute bleiben zu Punkt und nicht beginnen auf eine Seifenkiste in Bezug auf einige andere Neuigkeiten des Tages. Trotzdem, vielen Dank für dieses fantastische Stück und während ich kann nicht stimme mit Idee insgesamt schätze ich den Standpunkt.
By Dollie Fauske, March 16, 2023 @ 12:46 pm

Hallo, ich bin wirklich froh, dass ich diese Info gefunden habe. Heute veröffentlichen Blogger nur über Klatsch und Web und das ist eigentlich nervig. Eine gute Blog mit interessanten Inhalten, das ist, was ich brauche. Danke, dass Sie diese Website behalten, ich werde werde sie besuchen. Machen Sie Newsletter? Kann nicht finden.
By french open tickets, March 16, 2023 @ 12:47 pm

Trực Tiếp Bóng Đá Thời Điểm Hôm Naythvl1 truc tuyenNếu cứ đùa như cách vừa tiêu diệt Everton cho tới 3-1 bên trên sảnh quý khách hàng
By 라이브배팅, March 16, 2023 @ 5:38 pm

If everyone is living a materially equal life, there is no feeling of poverty.
By Earlene Harvey, March 16, 2023 @ 9:39 pm

I read this article fully regarding the resemblance of latest and earlier technologies, it’s awesome article.
By restpartij sierbestrating, March 16, 2023 @ 9:41 pm

I truly appreciate this blog article.Really looking forward to read more. Awesome.
By chord raim laode komang, March 17, 2023 @ 12:24 am

I love it when individuals get together and share opinions. Great blog, continue the good work!
By film production malaysia, March 17, 2023 @ 4:34 am

It’s actually a nice and useful piece of information. I am happy thatyou shared this useful info with us. Please stay us informed likethis. Thanks for sharing.
By tadka masala, March 17, 2023 @ 7:23 am

Hey, thanks for the article.Really looking forward to read more. Much obliged.
By andaman trip, March 17, 2023 @ 11:01 am

Really informative blog article.Really looking forward to read more. Will read on…
By icelebrateevents.com/category/disaster_relief_tents/, March 17, 2023 @ 1:32 pm

Thanks for your personal marvelous posting!I quite enjoyed reading it, you might be a great author.Iwill make sure to bookmark your blog and will eventually come back later in life.I want to encourage continue your great work, have a nice morning!
By hire wedding car, March 17, 2023 @ 2:06 pm

wow, awesome blog post.Really looking forward to read more. Really Great.
By download mp3, March 17, 2023 @ 2:21 pm

I could not refrain from commenting. Well written.
By kesari andaman tour, March 17, 2023 @ 5:56 pm

Hey, thanks for the post.Really thank you! Much obliged.
By Darnell Tait, March 17, 2023 @ 6:50 pm

Your style is really unique in comparison to other folks I’ve read stufffrom. Thanks for posting when you’ve got the opportunity, GuessI will just bookmark this blog.
By tour and travels in ranchi, March 17, 2023 @ 9:32 pm

A round of applause for your article.Much thanks again.
By Edith Sharma, March 18, 2023 @ 12:20 am

bristol bay apartments apartments for rent rochester ny downtown portland apartments
By car hire in coimbatore, March 18, 2023 @ 5:37 am

Awesome post.Really thank you! Cool.
By car rental coimbatore self drive, March 18, 2023 @ 8:25 am

Very informative article.Really looking forward to read more. Fantastic.
By self driven cars in chennai, March 18, 2023 @ 11:26 am

Very neat blog post. Really Cool.
By body gym elliptical bike, March 18, 2023 @ 2:12 pm

Looking forward to reading more. Great blog article.Really looking forward to read more.
By best design schools in india, March 18, 2023 @ 9:27 pm

A big thank you for your article.Really looking forward to read more. Fantastic.
By slot gacor, March 19, 2023 @ 9:47 am

I value the blog.Really looking forward to read more.
By cotton half shirt, March 19, 2023 @ 1:06 pm

Really informative blog post.Really looking forward to read more. Really Great.
By men's dhoti kurta set, March 19, 2023 @ 6:25 pm

Enjoyed every bit of your post.Much thanks again. Much obliged.
By www.j-b-h-r.com/Warrenton/, March 19, 2023 @ 7:29 pm

Hi there friends, its impressive post on the topic of teachingand fully defined, keep it up all the time.
By levitra online, March 19, 2023 @ 9:23 pm

Thanks-a-mundo for the article post.Really looking forward to read more. Great.
By Melville Patel, March 19, 2023 @ 11:34 pm

Thanks a lot, Numerous tips!how to write an english essay what to write in a scholarship essay admission essay writing service
By CKAD Syllabus, March 20, 2023 @ 4:17 am

Truly no matter if someone doesn’t understand afterwardits up to other people that they will assist, so here it happens.
By bounce house rentals, March 20, 2023 @ 8:39 am

Greetings! Very useful advice in this particular post!It is the little changes which will make the most significant changes.Thanks a lot for sharing!My blog post Vinyasa Cream Reviews
By weight loss meal delivery, March 20, 2023 @ 10:14 am

Im thankful for the blog post.Really thank you! Fantastic.
By Japan work visa for Malaysians: Requirements and Application, March 20, 2023 @ 12:41 pm

Valuable information. Kudos!how to write an easy essay argumentative essay topics writer essay
By weekend places near me, March 20, 2023 @ 1:50 pm

This is one awesome article.Thanks Again. Will read on…
By tubidy, March 20, 2023 @ 4:27 pm

You need to be a part of a contest for one of the best blogs online. I am going to recommend this blog!
By best interior designer hyderabad, March 20, 2023 @ 5:24 pm

Awesome post.Really looking forward to read more. Will read on…
By www.mysonsinflatables.com, March 20, 2023 @ 7:44 pm

I’d need to test with you here. Which is not something I normally do! I get pleasure from reading a publish that will make individuals think. Additionally, thanks for allowing me to comment!
By weight loss meal delivery, March 20, 2023 @ 7:53 pm

online casino games- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By coimbatore car hire, March 20, 2023 @ 8:21 pm

Hey, thanks for the article post.Thanks Again. Really Great.
By bounce house rentals, March 20, 2023 @ 11:43 pm

side effects for hydroxychloroquine plaquenil dosage
By buy furniture, March 21, 2023 @ 5:27 am

Looking forward to reading more. Great blog article.Really looking forward to read more. Will read on…
By pte academic, March 21, 2023 @ 11:11 am

Thank you for your article post.Much thanks again. Really Cool.
By Liza Sweeney, March 21, 2023 @ 11:40 am

I am not sure where you’re getting your info, but good topic.I needs to spend some time learning more or understanding more.Thanks for excellent info I was looking for this info for mymission.
By Irene Graham, March 21, 2023 @ 1:01 pm

An interesting discussion is worth comment. I think that you need to publish more about this topic, it might not be a taboo matter butusually people don’t talk about such topics. To the next!Kind regards!!
By tubidy mp3, March 21, 2023 @ 2:31 pm

This is a great tip especially to those fresh to the blogosphere. Brief but very accurate info… Appreciate your sharing this one. A must read post!
By check out this site, March 21, 2023 @ 2:54 pm

Fantastic article post.Really thank you! Awesome.
By levitra online, March 21, 2023 @ 5:44 pm

Thanks-a-mundo for the blog article.Thanks Again. Awesome.
By Tabitha Bentley, March 21, 2023 @ 6:33 pm

Thank you for another fantastic post. Where else could anyone get that kind of information in such a perfect way of writing? I have a presentation next week, and I am on the look for such information.
By Carrington Stuart, March 22, 2023 @ 1:35 am

Oh my goodness! Incredible article dude! Thank you, However I am encountering troubles with your RSS. I donít know why I cannot join it. Is there anyone else getting the same RSS issues? Anyone who knows the solution will you kindly respond? Thanx!!
By escamillaspartyrental.com/party_rentals_temecula_ca/, March 22, 2023 @ 5:15 am

Is anyone here in a position to recommend Lace Lingerie? Thanks xox
By escamillaspartyrental.com/party_rentals_rancho_mirage/, March 22, 2023 @ 6:13 am

ivermectin plus ivermectin pour on for human lice
By ballonger trondheim, March 22, 2023 @ 7:39 am

Thanks again for the blog.Thanks Again. Keep writing.
By Tempat beli domain murah di Malaysia, March 22, 2023 @ 10:50 am

Pretty nice post. I just stumbled upon your blog and wished to say that I have truly enjoyed browsing your blog posts. After all I will be subscribing to your rss feed and I hope you write again soon!
By tubidy mp3 download, March 22, 2023 @ 1:25 pm

A motivating discussion is worth comment. I do think that you should publish more on this subject matter, it might not be a taboo matter but generally folks don’t talk about these topics. To the next! Cheers.
By Auto Repair Near Me, March 22, 2023 @ 1:26 pm

Major thanks for the post.Really looking forward to read more. Fantastic.
By jual container bekas, March 22, 2023 @ 4:14 pm

This poѕt offers clear idea Ԁesigned for thhe new peoplеof blogging, that truly how to do blogging andd sitе-building.
By Top Auto Repair, March 22, 2023 @ 6:13 pm

A round of applause for your blog.Much thanks again. Keep writing.
By Pubs Cleaning, March 22, 2023 @ 10:54 pm

roulette wheel online- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By Plastic Water Bottle, March 22, 2023 @ 11:59 pm

I loved your blog. Really Cool.
By prepared meal delivery, March 23, 2023 @ 12:56 am

Highly energetic article, I liked that a lot. Will there be a part 2?|
By india24bet, March 23, 2023 @ 9:26 am

prednisone medication prednisone side effects in men
By cnc machining, March 23, 2023 @ 9:53 am

Thanks again for the blog post. Cool.
By Waist Trainer, March 23, 2023 @ 11:12 am

bingo- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By nsfaf, March 23, 2023 @ 1:31 pm

Muchos Gracias for your article post.Much thanks again. Cool.
By Bokep, March 23, 2023 @ 5:37 pm

Hey there! I’m at work browsing your blog from mynew iphone 4! Just wanted to say I love reading your blog and look forward to all your posts!Keep up the superb work!My blog frun-test.sakura.ne.jp
By meal delivery services, March 23, 2023 @ 7:38 pm

I’m curious to find out what blog platform you are using? I’m experiencing some small security problems with my latest blog and I’d like to find something more safeguarded. Do you have any recommendations?|
By Tubidy Mp3 Download, March 23, 2023 @ 8:06 pm

I value the post. Cool.
By Louise Thorne, March 23, 2023 @ 8:21 pm

Fine way of telling, and pleasant piece of writing to take data regarding my presentation subject matter, which iam going to convey in institution of higher education.
By Scarlett Garner, March 23, 2023 @ 11:06 pm

אסייתית סקסית רוכבת על הזין של החבר שלה בסקס קצר ומהירנערות ליווי
By Waist Trainer, March 23, 2023 @ 11:35 pm

casino game- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.
By tubidy, March 23, 2023 @ 11:53 pm

Spot on with this write-up, I actually believe this site needs much more attention. I’ll probably be returning to see more, thanks for the information!
By https://www.sbssibo.com/about-us/, March 24, 2023 @ 8:58 am

wow, awesome article post. Really Cool.