Lending money to strangers

Very frequently, banks refuse a loan because the people asking for it do not fit the criteria the bank fixed. What results from that is that those persons then look for another way of financing their projects, where they don’t have to show all their past, if they ever have been under a banking prohibition and so on. What they want is just to explain their plans and find a quick and regular way of financing them.

I think the website Prosper.com is an answer to that need. It is just the expression on the Internet of the loans that have existed for centuries. Many societies have been created when the banks’ criteria to a loan have increased and that life coast has increased as well. Haven’t you been harassed by those companies, calling you, sending you mails at home, or even putting adds on TV and on shops ? I guess this website is just one more way to make a quick loan, an extension of what already existed.

I am not sure we can really talk about trust or generosity. To my opinion, it is more relevant of the rigor of the banking system that adds to people’s breathlessness on the one side, and of the will of other’s to earn money with their economies, choosing who they’ll lend it to, how much they’ll lend and how much they’ll earn, having in a sense a feeling of power, on the other hand. I also think that if fees didn’t exist in case loaners are not paid, and these are high fees compared to those in a ‘normal’ bank, the system would not work. All those reasons make me quite suspicious about a so given trust or generosity. I personally think that the only trust is the trust on the repression that can be launched in case on a non-payment.

Other websites make a loan online possible. You have for example the website Interactive Investor on which you can make a loan to a bank. Some other websites give you the possibility to borrow or lend money without going through the bank system. You have for example another American website doing this: Zopa.com. This is quite the same process as on Prosper.com actually. I guess more sites like these will appear in the future, just because it’s easier, quicker and people do not have to fit given criteria and just explain what they want to their loaner. I guess little by little, everything will get easier. But this is still dangerous to apply to these, as banks’ criteria are not the fruit of the fate and you can never know how many other loans your borrowers have already contracted.

English is my language !

Click on the title and check it out!

Lear English with www.englishclub.com

This web site invites you to join for free and improve your English. That's actually just a big joke! In fact, what happens once you've joined (what I tried to do for about one hour) is that the window you're in closes, you're sent an email with a link to click on. Once you've clicked a new window opens with a new link. Once you've clicked once more, the window closes again and you receive one more mail. When you open it, guess what ?! you have to click on a link! That website is so much sport for fingers! So, you are desperate but you give yourself another chance to learn English before throwing your computer through the window. You click on the link. You're crying but you do. And a new window opens. But not one of those 'EnglishClub.com's thank you for clicking windows'. No! it is a window for a marketing service. You finally find out that you cannot learn English unless create an account and make your email address become a real trash, receiving marketing adds everyday.
Finally, what seems to result from all this is that first what seems to be free is not really so free, and then, when you try to learn English this way, you should have good basis to understand what you have to do before you may have a real lesson!

Generosity in images

if you need to see more, here is a litlle funny explaination of the thing!

CROWDSOURCING

Crowdsourcing is one of the best examples of generosity on the web. Wikipedia is one of the best examples today of crowsourcing : the website exists just because people accept to share their knowledge with others in order to build a huge encyclopedia. But there are so many examples of crowdsourcing in everyday life, just like when I was at the university we shared our notes with other law students by putting them on the Internet. We had no interest in doing that except the fact that we knew it helped.

The idea that every one is part of the web creation is really revelant of the web 2.0 process.