As a regular contributor to the Lending Club blog, I’ve seen a lot of the reasons why it’s so successful. The bottom line is that borrowers and lenders can benefit by using Lending Club. Anyone with good credit can get a great rate on an unsecured P2P loan at Lending Club. Loan rates start as low as 7.62% for people with excellent credit.

As a lender, the great rates continue. You’d be hard pressed to find an alternative way to invest your money for similar returns despite the relatively low risk. The amount of risk you take on depends on how you set up your portfolio. The average portfolio return is currently 12.20%

If you’re interested in signing up for an account with Lending Club, you can use this referral link.

To understand how Lending Club can offer great rates to borrowers and lenders, see my post on the topic.

You can also see a list of my posts here.

Ebay is great for selling things in small quantities, but what do you do when you want to create a real web presence for yourself? There are many options to choose from in creating an online store, but there is only one solution that is super affordable and offers you a ton of services: ProStores.

Packages start at only $29.95 a month. There’s even a 1 month free promotion if you use the link below. Prostores won’t give you a bogus looking location like www.prostores.com/myusername. No, they’ll register a domain, like www.anystorename.com, for free and include all of these other great services:

• Free domain registration
• Unlimited Pages and Categories
• A Shopping Cart and SSL Security
• Integration with Ebay, Paypal, and Major Comparison Shopping Sites

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Forming a business is a great way to add legitimacy to your company. In addition, you’ll likely see many legal tax advantages and limitations of your personal liability.

While the benefits are great, the formation process can seem daunting. Sure, you can cheap out and do it yourself, but you’ll likely be left wondering if things were done properly. To take the guesswork out of the process you can use a formation company. Of the many out there offering this service, BizFilings seems to be the best. Not only have they been doing it for more then a decade, they’ll stand behind you and help you long after the formation is complete. They provide free registered agent service for 6 months with formations.

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If you already have a high-speed internet connection at home, then you might as well take advantage of that speed and save some money on your home phone service. I use Vonage and it saves me a ton of money.

They offer an unlimited calling plan for $25 a month, or the plan that I use, 500 outgoing minutes, for $15 a month. I had been paying about $40 a month for my crappy, no feature phone line, from Verizon. Then I had to pay long distance on top of that.

Since my incoming calls are free, and outgoing calls to 800 numbers don’t count against my minutes (like they do on my cell phone) 500 minutes a month is plenty for me. Even if you have to go for the $25 unlimited plan, it’s still probably much cheaper than what you’re paying.

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Already at the store when you’d like to make a price comparison? Try using Frucall. You can do a comparison based on UPC code (or ISBN for Books) by calling 1-888-DO-FRUCALL (1-888-363-7822). The service is free. For more free features, or to search by brand and product name, you can text them or use their mobile website at FRU11 (37811) and http://www.frucall.com/m/ respectively.

Jim Cramer, and his Mad Money TV show, were heavily criticized by in a recent article by Paul B. Farrell of Marketwatch. Cramer responded well and pointed out the major downfall of Farrells arguments: he assessed Cramer after watching one episode of his show.

Jim Cramer’s book, Real Money, is on my required reading list, so you you’d be correct to assume that I am very much pro-Cramer. Here’s why I like him:

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