Prosper.com

Prosper.com

I'm wondering if anyone has ever taken out a loan on Prosper.com. In case you haven't heard of it, it works like this. Say you have a credit card debt of $5,000 and your credit card rate is 21%. Instead of making the minimum payments and paying a lot in interest, you get a loan on prosper for the $5,000 at only 10% interest. You've just saved 11% interest and whomever is lending you the money (can be one person or more than one person) gets to collect 10% interest instead of the 3% they'd get if they leave the money in the bank. So, my question is, has anyone done this before and what was your experience?
My Little Piece of Basement

My Little Piece of Basement

new living room rug / dining room reupholstering project

new living room rug / dining room reupholstering project

My first apartment!

My first apartment!

Unknown Plant

Unknown Plant

Hoping someone can name this plant

Hoping someone can name this plant

the beginning starts here…

the beginning starts here…