P2P Lending Showdown with CEOs of P2P Lending Companies | SeedlyTV S1E07
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For this episode of SeedlyTV, we have the CEOs of 4 P2P Lending companies in Singapore – Funding Societies, CoAssets, Minterest and Capital Match.
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Here’s what we covered:
0:40-2:15– What’s happening at Seedly
2:40-8:40– Introduction of the 4 P2P Lending companies on board
9:20-10:09– Seedly Reviews
10:10-18:07– Icebreaker
18:30-19:57– Why is there a need for P2P lending?
19:59-20:30– P2P Lending Promo Codes!
21:00-25:45– Why do borrowers choose to take alternative financing via your platform, when they could just take bank loan from banks?
25:49-29:04– Are there any cornerstone investors, sponsor, accredited investor, institutional investors who have taken up the P2P loans? If no, why not?
29:30-35:10– Why don’t the P2P companies raise seed funding from venture capital or angel investors to put into the P2P loans?
35:14-36:25– Any P2P platform has a reputable listed company or blue chip company as a borrower?
36:46-41:35– I have a few defaults (won’t mention which platform), still pending court process and recovery. Is there any hope of getting some back? Or is it totally lost?
42:21-43:05– What are the factors people should focus on when looking through the statistics of a P2P lending company?
43:13-48:17– There are so many platforms to choose from. What is the main feature that sets you apart from your competitors?
48:50-53:15– Are there any national statistics on the 2008-2009 crisis time default rates of SMEs or companies of similar profile on the P2P platforms?
53:30-55:23– What’s the outlook on investing in P2P loans with cryptocurrency?
55:30-59:27– Why isn’t there a requirement for companies to put up collateral for P2P loans? Such that in a default at least the collateral can help investors recover some investment back?
Only questions in this link will be answered, so ask away!
https://seedly.sg/questions/topic/seedlytv-ep07
Who Can Use p2p Lending, P2P Lending Showdown with CEOs of P2P Lending Companies | SeedlyTV S1E07.
Three Ways For Entrepreneurial Photographers To Raise Money
This means that real estate values would have to drop by half before your principal investment would be at risk.
Ibbotson’s also is suggesting having a percentage of your investment assets into an annuitizable asset.
P2P Lending Showdown with CEOs of P2P Lending Companies | SeedlyTV S1E07, Watch more complete videos relevant with Who Can Use p2p Lending.
Person-To-Person Loans – You Can Earn Better Returns
In the past, you would need to either find investors, an angel investor, or attempt to get a business loan. Again, if this thing would have been correct then every person would have done it. Eventually a lender will be found who will assist.
Have you ever heard of structured settlement investments? If you haven’t, there are so many advantages to taking this option. You never have to wait a long time to receive payments from your settlement. This will give immediate money for the things that you need the most.
Borrowers, on the other hand, are able to get loans with rates as low as 6.78%. The actual rate is based on your credit score, loan term, loan amount and credit history. The current national average for a month loan is There’s no reason not to check and Peer-to-peer lending investment see if LC can provide you with a lower rate.
The first “5” in the equation represents the 5 people that you call our friends, associates, etc. I suggest that you make a list of the 5 people that you associate with on a regular basis, and then take a good look at it to see if they either have goals similar to yours or are progressing towards the achievement of a goal similar to your 5-year vision. A major key to unlock the secret to your future is to be 110% conscious of the fact that you will ultimately become who you associate with.
With Peer-to-peer lending investors pool their money together and offer the loans in small amounts to people. So let’s take an example. If you need $3000 and you borrow from one of these networks, you could borrow $30 from 100 people. In this case the perceived risk is not that much and so the interest rate is very small. However, if you borrowed the $3000 from a bank, it is a higher risk and therefore you will be charged a high interest rate.
There is an inverse relationship between risk and returns. The returns tend to be lower when you cut off the risks. Some of the safest Investments aren’t really worth it anymore because of their low returns. To counter this, investors usually diversify their portfolios. This allows them to cut off risk while improving their returns. But, with stocks, you have to buy enough of each stock to profit. And, you have to buy a lot of many different stocks to diversify. This is extremely costly and messy. With coins, you can buy just about any investment coin you like. You can easily diversify your portfolio by buying a different coin specimen each time you buy a coin. Your returns are never cut short, and you never lay too many eggs in one basket.
Of course, Kiva does due diligence research before adding prospective loan recipients to the pool and all of the money you put in goes toward the loan process – Kiva’s low overhead is covered by interest charges (if any) on the loans, fundraising and donations. So far, Kiva’s payback percentage has been 100%, although the microfinance industry average is 97% so there’s always a chance, however small, that you won’t get your money back.
If you have money saved in a 401k plan with your employer, you can usually borrow up to 50% of the value of your account. You pay interest on the loan, but the interest goes back into your account. Be aware that you have an opportunity cost with this option. The money you borrow is not able to grow as an investment until you repay the loan. Also be aware that you will have to pay back the loan in full shortly after you leave the company. Consult your tax professional to understand the tax ramifications that this may cause in retirement. Your interest is usually considered pre-tax money and will be taxed upon retirement, even though you paid it with after-tax dollars.
Certificates of Deposit, commonly known as “Cd’s” are also a top choice for beginners. Medium risk investments include property and non-speculative shares. Moreover, we should also be brave enough to face the consequences of such bad decisions.
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