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Jun 12, 2006    |       5 comments

Prosper Loan Update – 43% Funded

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There’s a little over four days left with my loan listing at Prosper and it is currently 43% funded with 21 bids.

Here’s something I’ve been thinking about today…

I did not join a group on Prosper mainly to keep my anonymity because of my blog. If you join a group at Prosper, the Group Leader is supposed to perform “vetting” on you to get to know you better. They can ask for paystubs, proof of home ownership, etc. The degree of vetting involved depends on the group you join and your group leader. I think that’s a great idea to have something like this to help prevent fraud within the Prosper community.

Since I am not in a group, I figured I would receive at least a few emails from Lenders asking a few more questions. But it appears that my blog is answering most of the questions that Lenders may have? Or is it that my credit score is an “A”?

Looking further into it, the highest amount someone has bid so far is $175.00. I have seen some Lenders bid over $2,000 on a single loan. Is that because there is doubt as to who I am and what I claim to be doing? Or is it because I am asking for only 12%?

So many questions. For an analytical person like me – this is fascinating 🙂

Index of My Borrowing Experience with Prosper

Jun 12, 2006    |      1 comment

A Few Cheap Ideas to Spruce Up the Look of an Old Home

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My home was built somewhere around 1905-1915. It’s been kept in decent shape, but it’s an old home. There were some cosmetic problems, especially the 50’s decorating. We did not have a large budget to help bring the house to current times nor did my husband and I have much experience with home decorating. But – just a few things we did made a HUGE difference.

1.) Caulk around the trim in rooms. Even if there is just a little gap between the wall and the trim – it doesn’t look very good especially on lighter-colored walls. Eyes are drawn to the dark areas that the gaps create. Just get some indoor caulk and run it along the trim. The gap disappears and what you have is an instant “fix” to a common problem in older homes.

2.) Paint over wallpaper. The bedrooms upstairs had the worst colored wallpaper. One of the rooms had the brightest and biggest pink flowers you have ever seen. We did try to remove the wallpaper in certain spots – but that was a chore and it wasn’t going to work without breaking into the plaster behind it. So we went and bought some paint and painted over the wallpaper. It may not look the best and the walls do show seams from the wallpaper, but it looks a lot better than it did.

3.) Use floor linoleum tiles on the walls. You can get tiles fairly cheap at department stores in many different designs. We ended up using tiles to cover some very ugly plastic tile under our top kitchen cupboards and it looks great.

The main points – be creative and be resourceful. Fairly inexpensive changes can make a huge difference with your home.

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