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Zopa Borrowers with 0.00% Loan Rates?

July 23, 2008
By MoneyRates team | Money-Rates Columnist

Zopa US is offering the closest thing to a win-win proposition for borrowers and lenders who use their social lending site. Borrowers are able to lower their interest rates on personal loans by using a personal profile and social networking tools like e-mail, blogs, Facebook, and MySpace to get help on her loan from lenders. [...]

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Formalizing Private Loans to Family or Friends

August 12, 2007
By MoneyRates team | Money-Rates Columnist

Loans between families and friends have increased over the year as the American consumer has become more reliant on alternative methods of financing mortgage debt, credit card debt, and small business loans. Private lenders are advised to use a service like circlending.com to formalize their loans even if the loan is to a close family [...]

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About Richard Barrington

Richard Barrington, CFA, is the primary spokesperson and personal finance expert for MoneyRates. He is a 20-year veteran of the financial industry, including having served for over a dozen years as a member of the Executive Committee of Manning & Napier Advisors, Inc. Richard has written extensively on investment topics, including investments, money market accounts, Certificates of Deposit's and personal finance as it relates to retirement. Richard has been quoted by numerous media publications such as the New York Times, the Wall Street Journal, and Pensions & Investments magazine.

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