By Aaron Gentzler –
Charles J. lives in San Jose, Calif. He works as a software developer.
But ever since November 2009 Charles has been collecting $332.67 in extra income each month. That’s $3,992 a year. All Charles had to invest to set up that perpetual income was $40,000.
That works out to a net annualized yield on his investment of 10% —
or about five times what he could make investing in Treasury bonds.
And thanks to the power of compounding, at this rate a $25,000
investment will become $64,725 in 10 years. And a $50,000 investment
will become $129,451.
This income — and the potentially massive compounding returns it can
create — has nothing to do with Charles’s job. It’s not from rental
income on a second home either. And it’s not from stock market dividend
yields… options premiums… or the bond market.
The checks come from an entirely different source. Put simply, Charles has become a “bank.”
You read that right. Charles earns his income checks by lending to
other Americans who need money. To date, he’s helped over 4,000 people.
Some of these people need money to pay off high-interest credit card
balances. Some need money to cover medical expenses, or to complete a
home repair, or even to start a business.
Charles doesn’t like taking risk. In fact, he’s ultra-conservative
about who he lends to. He helps folks who have been at their current job
for a year or more. He also likes folks who need $20,000 or less.
The borrowers Charles invests in have an average FICO score of 708 —
about 18 points better than the national average. They have an average
15% debt-to-income ratio (excluding mortgage debt). Most bankers will
tell you that less than 30% is considered “financially healthy.”
The average borrower Charles helps also has 14 years of credit
history and a personal income of $69,924. That’s in the top 10% of the
U.S. population.
How does Charles become the “bank” and earn an extra $4,000 a year?
He uses a groundbreaking peer-to-peer financial community www.LendingClub.com. It’s the most revolutionary and groundbreaking financial innovation of your lifetime.
Lending Club cuts out banks altogether by bringing together
creditworthy borrowers with savvy investors so that both can benefit.
(Which is why so few people have heard about it.)
Since opening in May of 2007, Lending Club has loaned out over $1.5 billion. And it is issuing $2.7 million in new loans each day by putting to work the capital that folks like Charles J. invest.
This is not some risky, fly-by-night operation. It’s strictly for
creditworthy borrowers. Lending Club immediately denies any applicant
not meeting strict lending standards. In fact, it denies 90% of all loan requests.
This gives lenders… people like Charles J… a big margin of
safety. The numbers speak for themselves: 93% of investors at Lending
Club (regardless of how many notes they’re invested in) make between
6-18% annual return, net of all fees and defaults.
I recommend you visit Lending Club’s website immediately and
familiarize yourself with the big idea behind “peer-to-peer” lending. It
not only will hand you a super-safe yield outside of the financial
markets, but also has the potential to radically transform how Americans
manage their wealth and work their way out of debt.
In fact, I am so excited about this idea that I am recommending that paid-up subscribers of my advisory service, Unconventional Wealth, put 25% of their available capital to work in Lending Club immediately.
I have also given them a number of insider secrets on how to maximize their returns
and minimize their risks. But even without these secrets, this is hands
down the safest way to make a 9+% yield available in America today.
Best Regards,
Aaron
