Comments on: Mailbag: Hacking your credit score, Too Much P2P, and Giving Away $150 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/ Saving, Earning, and Investing Money Sat, 21 Nov 2009 00:22:17 -0800 http://wordpress.org/?v=2.8.5 hourly 1 By: Lazy Man http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79969 Lazy Man Mon, 31 Mar 2008 16:28:12 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79969 This contest is closed. Congrats to Chuck, nwdirector, and Kate. This contest is closed. Congrats to Chuck, nwdirector, and Kate.

]]> By: dountoothers http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79862 dountoothers Sun, 30 Mar 2008 13:44:28 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79862 I've been a prosper guy for a while myself. I'd be interested in trying out lending club if it were free. Hopefully you have not already drawn the winners yet. Cheers! I’ve been a prosper guy for a while myself. I’d be interested in trying out lending club if it were free. Hopefully you have not already drawn the winners yet.

Cheers!

]]> By: jasmine http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79860 jasmine Sun, 30 Mar 2008 13:30:33 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79860 I would be interested in the drawing. I like the idea of a P2P lending system, but am wary of the potential losses. Its one thing to take a measured risk on a company I guess, but when you place that risk on an individual...the other thing i've been considering doing is joining microplace. makes me feel like i might be doing some good for the world while still making an investment (with almost nil returns other than the satisfaction that I have done some good with my ill-gotten gains!) I would be interested in the drawing. I like the idea of a P2P lending system, but am wary of the potential losses. Its one thing to take a measured risk on a company I guess, but when you place that risk on an individual…the other thing i’ve been considering doing is joining microplace. makes me feel like i might be doing some good for the world while still making an investment (with almost nil returns other than the satisfaction that I have done some good with my ill-gotten gains!)

]]> By: Kate http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79806 Kate Sun, 30 Mar 2008 04:51:21 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79806 Hey, found your blog from a link on Getting Rich Slowly. I've been reading up on P2P lending lately, but have been hesitant to try to myself, but would definitely be interested in the draw, thanks! Hey, found your blog from a link on Getting Rich Slowly. I’ve been reading up on P2P lending lately, but have been hesitant to try to myself, but would definitely be interested in the draw, thanks!

]]> By: RC@ThinkYourWayToWealth.com http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79784 RC@ThinkYourWayToWealth.com Sun, 30 Mar 2008 01:36:38 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79784 I wouldn't worry too much about a couple of comments, since it seems you are planning on cutting back a little on the posting @ P2P anyway-but I've probably learned more about P2P from your blog than any other I read. I've been hesitant to try either thus far as the risks don't seem neccesarily worth the reward, but I would be interested in trying it out. I wouldn’t worry too much about a couple of comments, since it seems you are planning on cutting back a little on the posting @ P2P anyway-but I’ve probably learned more about P2P from your blog than any other I read. I’ve been hesitant to try either thus far as the risks don’t seem neccesarily worth the reward, but I would be interested in trying it out.

]]> By: Tom http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79773 Tom Sun, 30 Mar 2008 00:42:57 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79773 Seriously, Lazy Man, I’m getting sick of your personal finance posts, your affiliation with them, and your pitches about personal finance. I know you have advertisers of yours on here relating to the use of money. Your content is getting boring and applies only to people who use money. Most don’t and that is why you keep on trying to push personal finance. I’m out as a subscriber. Yes I know it won’t make a difference, but at least you know. Why don't you go write about health or something. Wait... Seriously, Lazy Man, I’m getting sick of your personal finance posts, your affiliation with them, and your pitches about personal finance. I know you have advertisers of yours on here relating to the use of money. Your content is getting boring and applies only to people who use money. Most don’t and that is why you keep on trying to push personal finance. I’m out as a subscriber. Yes I know it won’t make a difference, but at least you know.

Why don’t you go write about health or something. Wait…

]]> By: jonR http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79531 jonR Fri, 28 Mar 2008 22:34:17 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79531 I, as well, have considered P2P lending, but because of the high risk and long-term results of the stock market, I have been tempted to not get involved with P2P. I think it has great potential and is a good idea. I like the idea of distributed social lending, and I think it has great potential. Lazyman, I like the mailbag idea. I think it could be a great way to focus articles on what your readers want to hear, (just don't get too carried away with it). P2P articles: I don't mind the P2P articles, especially since you went to the Prosper conference. You may consider just making fewer but longer articles on this packed with as much information as you can to appease all your readers. I, as well, have considered P2P lending, but because of the high risk and long-term results of the stock market, I have been tempted to not get involved with P2P. I think it has great potential and is a good idea. I like the idea of distributed social lending, and I think it has great potential.

Lazyman, I like the mailbag idea. I think it could be a great way to focus articles on what your readers want to hear, (just don’t get too carried away with it).

P2P articles: I don’t mind the P2P articles, especially since you went to the Prosper conference. You may consider just making fewer but longer articles on this packed with as much information as you can to appease all your readers.

]]> By: nwdirector http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79528 nwdirector Fri, 28 Mar 2008 20:53:37 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79528 I've been on the fence about P2P, but I don't yet see the value v. time factor. Seems like I could get obsessed trying to find the right loan to fund. I read somewhere it was a lot like gambling in that regard (that may have been you, as I'm embarrassed that I forgot). Well, being a fan of the occasional wager, I'm in for the $50 of "house money" to try this investment! :) I’ve been on the fence about P2P, but I don’t yet see the value v. time factor. Seems like I could get obsessed trying to find the right loan to fund. I read somewhere it was a lot like gambling in that regard (that may have been you, as I’m embarrassed that I forgot).

Well, being a fan of the occasional wager, I’m in for the $50 of “house money” to try this investment! :)

]]> By: Mister E http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79526 Mister E Fri, 28 Mar 2008 19:23:08 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79526 I'm glad to hear the P2P lending columns will be scaled back, I'd stopped reading this blog as much as I was because it seemed as if the site was just becoming a vehicle to advertise these services. I’m glad to hear the P2P lending columns will be scaled back, I’d stopped reading this blog as much as I was because it seemed as if the site was just becoming a vehicle to advertise these services.

]]> By: Ben http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79517 Ben Fri, 28 Mar 2008 17:13:21 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79517 I've heard great things from friends about prosper, I dont know anyone who has used Lending Club. I'd love to check it out. I’ve heard great things from friends about prosper, I dont know anyone who has used Lending Club. I’d love to check it out.

]]> By: Chad http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79513 Chad Fri, 28 Mar 2008 16:05:30 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79513 I have thought about P2P lending for a while and was always chicken to try it with my own money. I know you can help other people through it. I think that the micro lending that they are doing in africa and India is incredible and very empowering. The P2P lending is just as empowering. It is the precursor to bringing back a true group help and support system for the community rather than making it predatory or capitalistic. Sure the rates on some of the loans are high but then they are matched with the risk just like every other makretplace. Still I have been hesitant to dive in with my money. Maybe with this 50 I can start and see what it is like. I too for one agree with Tyler, my joy of reading your blog has decreased a bit with the firehose of P2P stuff on it. I was almost surprised when I saw the credit score article. I thought to myself maybe he is breaking away from his rut even though he has hitched himself to the P2P wagon. Granted its Lazy Man and Money so nothing in the title says generic tips. It just states that you are going to post your thoughts on money. However I think you are doing yourself and your readers a disservice by narrowing your article topics to one area. thanks for writing. Keep up the flow. I have thought about P2P lending for a while and was always chicken to try it with my own money. I know you can help other people through it. I think that the micro lending that they are doing in africa and India is incredible and very empowering. The P2P lending is just as empowering. It is the precursor to bringing back a true group help and support system for the community rather than making it predatory or capitalistic. Sure the rates on some of the loans are high but then they are matched with the risk just like every other makretplace. Still I have been hesitant to dive in with my money. Maybe with this 50 I can start and see what it is like.

I too for one agree with Tyler, my joy of reading your blog has decreased a bit with the firehose of P2P stuff on it. I was almost surprised when I saw the credit score article. I thought to myself maybe he is breaking away from his rut even though he has hitched himself to the P2P wagon. Granted its Lazy Man and Money so nothing in the title says generic tips. It just states that you are going to post your thoughts on money. However I think you are doing yourself and your readers a disservice by narrowing your article topics to one area.

thanks for writing. Keep up the flow.

]]> By: Matt http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79512 Matt Fri, 28 Mar 2008 15:54:13 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79512 I'd like to be included in the $50 p2p lending drawing. And I, actually, disagree with your commenters about too much p2p lending posts. Before reading your blog, I knew very little about them. Now, i feel that I know much more than I did. I’d like to be included in the $50 p2p lending drawing.

And I, actually, disagree with your commenters about too much p2p lending posts. Before reading your blog, I knew very little about them. Now, i feel that I know much more than I did.

]]> By: Chuck http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79511 Chuck Fri, 28 Mar 2008 15:51:11 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79511 I'd be interested in giving Lending Club a whirl, especially with $50 to kick things off. It's pretty cool concept they're using. As far as the mailbag, I think it never hurts to field questions. Not everyone is at the same level of knowledge though, so there are people who get frustrated at simplistic or overly complicated questions. Maybe target your mailbags at different levels of sophistication? Good blog, you're in the short list. I’d be interested in giving Lending Club a whirl, especially with $50 to kick things off. It’s pretty cool concept they’re using.

As far as the mailbag, I think it never hurts to field questions. Not everyone is at the same level of knowledge though, so there are people who get frustrated at simplistic or overly complicated questions. Maybe target your mailbags at different levels of sophistication?

Good blog, you’re in the short list.

]]> By: moneyloveandchange http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79502 moneyloveandchange Fri, 28 Mar 2008 14:04:02 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79502 I am more of a recent reader, but I do enjoy your P2P articles - you are also really up front about your affiliations, which I appreciate. I like the mailbag idea - it would add some variety, and it's always interesting to read about another blogger's feedback. We're focusing on debt reduction right now - I opened a Prosper account, but haven't funded it yet. A free $50 from Lending Club would give me a chance to test the waters - and something else to blog about! I am more of a recent reader, but I do enjoy your P2P articles – you are also really up front about your affiliations, which I appreciate.

I like the mailbag idea – it would add some variety, and it’s always interesting to read about another blogger’s feedback.

We’re focusing on debt reduction right now – I opened a Prosper account, but haven’t funded it yet. A free $50 from Lending Club would give me a chance to test the waters – and something else to blog about!

]]> By: Kevin Rooney http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/comment-page-1/#comment-79498 Kevin Rooney Fri, 28 Mar 2008 13:31:34 +0000 http://www.lazymanandmoney.com/mailbag-hacking-your-credit-score-too-much-p2p-and-a-giving-away-150/#comment-79498 Lazy Man, Great blog! I'm a bit partial to your P2P lending posts, actually, since it's how I first came across your blog about two months ago. My favorite posts of yours are those dealing with passive & alternative income, your efforts to increase net worth, etc. They've actually got me thinking about starting my own blog to generate passive revenue. Anyway, I think P2P lending fits in perfectly of the theme of your blog -- a lazy man trying to generate passive income. If you've gotten advertisers from being one of the few blogs to talk about it so be it! You've been pretty fair about it. Heck you called your top-of-the-page banner advertiser vaporware! Anyway, I like the concept of the mailbag, but only when there are compelling questions to be answered, so you may want to space them out quite a bit. Maybe ask specific questions to the readers and make it a Q&A? I'd love to have a shot at the Lending Club account. I've been thinking about jumping into P2P for a while, but my fiancee and I are saving for a wedding and a house right now so it's hard to free up money. If the $50 does well I'd probably view it as worthwhile and re-invest. Keep up the great work! I'm reading daily! Lazy Man,

Great blog!

I’m a bit partial to your P2P lending posts, actually, since it’s how I first came across your blog about two months ago. My favorite posts of yours are those dealing with passive & alternative income, your efforts to increase net worth, etc. They’ve actually got me thinking about starting my own blog to generate passive revenue.

Anyway, I think P2P lending fits in perfectly of the theme of your blog — a lazy man trying to generate passive income. If you’ve gotten advertisers from being one of the few blogs to talk about it so be it! You’ve been pretty fair about it. Heck you called your top-of-the-page banner advertiser vaporware!

Anyway, I like the concept of the mailbag, but only when there are compelling questions to be answered, so you may want to space them out quite a bit. Maybe ask specific questions to the readers and make it a Q&A?

I’d love to have a shot at the Lending Club account. I’ve been thinking about jumping into P2P for a while, but my fiancee and I are saving for a wedding and a house right now so it’s hard to free up money. If the $50 does well I’d probably view it as worthwhile and re-invest.

Keep up the great work! I’m reading daily!

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