Eazy-E – Arsenio Hall Interview + Live Performance Of Real Compton City G’s.wmv – Video
Posted: February 2, 2012 at 3:37 pm
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Eazy-E - Arsenio Hall Interview + Live Performance Of Real Compton City G's.wmv - Video
Preety Bhalla’s Personal Collection of Jagjit Singh’s Live Performance Of "Tere Khusboo Main". – Video
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Preety Bhalla's Personal Collection of Jagjit Singh's Live Performance Of "Tere Khusboo Main". - Video
Lending Club Surpasses $500 Million in Personal Loans
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SAN FRANCISCO, Feb. 2, 2012 /PRNewswire/ -- Lending Club (http://www.lendingclub.com), the leading platform for investing in and obtaining personal loans, today announced that $500 million in loans have been originated via the platform since inception. Lending Club serves the needs of prime consumers who choose the lower interest rate loans available through Lending Club over more expensive credit cards.
(Photo: http://photos.prnewswire.com/prnh/20120202/SF46378)
The San Francisco-based company commenced operations in 2007 and has exceeded 100 percent growth in loan volume each year since. More than a quarter-billion dollars in loans were originated on the platform in 2011, more than doubling the previous four years combined. Lending Club now averages more than $1 million in loan originations per day, with an average loan size of $10,945. The majority of borrowers (66.7 percent) say they use Lending Club's fixed-rate personal loan platform to pay off their high-interest credit cards.
Investments are also soaring: Lending Club now receives more than $30 million a month in new investments from a base of over 50,000 retail investors and a rapidly growing pool of institutional investors, with more than 50 investor accounts over $1 million and several accounts over $10 million. By focusing on loan originations to prime and super-prime quality borrowers and with less than 10 percent of submitted loan applications approved, Lending Club has established a four and a half-year track record in which its Prime Consumer Notes generated 18 consecutive quarters of positive returns and average annual returns of 5.8 percent to 12.3 percent depending on loan grades.(1) The company's wholly-owned subsidiary LC Advisors, an SEC Registered Investment Advisor, launched two funds in 2011 that rapidly grew to more than $80 million in assets under management.
Lending Club's year-over-year revenue more than doubled with calendar 2011 revenue reaching $12.8 million. The Lending Club team has expanded rapidly, with more than 25 new employees hired in 2011 bringing the company total to 78. Key hires included Chief Risk Officer Chaomei Chen, formerly chief risk officer with JP Morgan Chase Card Services and LC Advisors President Brad Pattelli, formerly co-portfolio manager of the levered loan group at New York-based hedge fund Angelo Gordon.
"Lending Club is a radically simple, new idea that is delivering value. We put the consumer back in the driver's seat and use technology to lower costs," said Lending Club CEO Renaud Laplanche. "Our process whereby investors provide capital to invest in loans made to borrowers is the simplest, most transparent and most efficient form of lending. Lending Club takes banking back to its roots."
About Lending Club
Lending Club utilizes technology and innovation to reduce the cost of traditional lending and offer borrowers better rates and investors better returns. Founded in 2006 and based in San Francisco, CA, Lending Club has been recognized for its results and innovation by the Harvard Business Review and Dow Jones, was named one of Forbes' America's Most Promising Companies in 2011 and recognized as a 2012 World Economic Forum Technology Pioneer. More information is available at: http://www.lendingclub.com.
Additional information about Lending Club is available in the prospectus for Lending Club's notes, which can be obtained on Lending Club's website at https://www.lendingclub.com/info/prospectus.action.
Information in this press release is not an offer to sell securities or the solicitation of an offer to buy securities, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. Some of the statements in this above are "forward-looking statements." The words "anticipate," "believe," "estimate," "expect," "intend," "may," "plan," "predict," "project," "will," "would" and similar expressions may identify forward-looking statements, although not all forward-looking statements contain these identifying words. The Company may not actually achieve the plans, intentions or expectations disclosed in forward-looking statements, and you should not place undue reliance on forward-looking statements. Actual results or events could differ materially from the plans, intentions and expectations disclosed in forward-looking statements. The Company does not assume any obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.
Currently only residents of the following states may invest in Lending Club notes: CA, CO, CT, DE, FL, GA, HI, ID, IL, KY (accredited investors), LA, ME, MN, MO, MS, MT, NH, NV, NY, RI, SC, SD, UT, VA, WA, WI, WV, or WY.
(1) Past performance is no guarantee of future performance. Investments may lose value.
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Lending Club Surpasses $500 Million in Personal Loans
Prosper.com Funds More Than $300 Million in P2P Personal Loans
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SAN FRANCISCO, CA--(Marketwire -02/02/12)- Prosper.com, a peer-to-peer lending marketplace for personal loans and investments, announced today that it has funded more than $300 million in P2P consumer loans since inception. The company also announced that it funded a record $10.8 million in loans in January alone. This latest monthly milestone continues a streak of 12 consecutive months of record growth, a 178% year-over-year increase in personal loans funded.
"Our record growth is a true testament to our category-best seasoned returns for lenders," said Chris Larsen, Prosper's chief executive officer and co-founder. "Investors are turning to us for our high-yield returns and our transparent, trusted marketplace. We look forward to continued growth in 2012."
Highlights for January 2012 include:
Record monthly origination volumes of $10.8 million; 14% monthly growth in originations from December 2011; 11.4% compound monthly growth rate over the last 12 months; Borrower listings increased 30%; Growth achieved while maintaining strong risk return metrics: average credit score of 724(2) and estimated loss of 5.69%(1) while delivering a 10.46%(1) ROI.
Prosper is the only P2P lender to report seasoned and audited returns. Seasoned returns are a more conservative and accurate indicator of returns, reflecting a loan or portfolio of loans that has matured enough for the performance to have stabilized. This return is thought to more accurately reflect the true underlying return of the asset.
Prosper contracted Ashland & Partners to conduct a comprehensive audit of its individual loans and operational infrastructure. The independent audit represents a first in P2P lending, setting the stage for full transparency and return on investment (ROI) verification. Ashland examined a specified Schedule of Performance for the Prosper All Rated Notes by Vintage Month Performance Record for the period July 1, 2009 through September 30, 2011.
Debt consolidation, home improvement and small business-related loans remain the leading loan categories on Prosper.com. To learn more about Prosper's lender returns and competitive personal loans, visit http://www.prosper.com.
About Prosper
Prosper Marketplace Inc., a peer-to-peer lending marketplace that brings together creditworthy borrowers with individual and institutional investors, allows people to invest in each other in a way that is financially and socially rewarding. Individual and institutional investors invest in minimum increments of $25 on loan listings they select. In addition to credit scores, ratings and histories, investors can consider borrowers' personal loan descriptions, endorsements from friends, and community affiliations. Prosper handles the servicing of the loan on behalf of the matched borrowers and investors. Prosper was co-founded by Chris Larsen, co-founder of E-LOAN. Prosper has raised $83.85 million in venture capital and is backed by financial and technology luminaries including, Tim Draper of Draper Fisher Jurvetson; David Silverman of Crosslink Capital, Accel Partners; CompuCredit; Omidyar Network; Capital One Co-founder Nigel Morris of QED Investors; Court Coursey of TomorrowVentures; Larry Cheng of Volition Capital.
Notes offered by Prospectus.
(1) Seasoned Return and annual loss rate calculations represent historical performance data for the Borrower Payment Dependent Notes ("Notes") issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; these calculations use loans originated through February 28, 2011. Our research shows that Prosper Note returns historically have shown increased stability after they've reached ten months of age. For that reason, we provide "Seasoned Returns", defined as the Return for Notes aged 10 months or more. To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365. Returns have been audited by a 3rd party for all data through September 30, 2011. Seasoned Return is not necessarily indicative of the future performance on any Notes. The annual loss rate represents the actual losses on Notes. To calculate the annual loss rate, the net credit losses corresponding to eligible Notes are aggregated then divided by the average daily amount of aggregate outstanding principal for such loans. To annualize this rate, the cumulative number is divided by the dollar-weighted average age of the loans in days and then multiplied by 365. The forecast loss rate represents the Estimated Annual Loss Rates we provided for the borrower listings corresponding to the Notes included in the calculation of annual loss rate. All calculations were made as of December 31, 2011.
(2) Average Experian Scorex PLUS credit score of loans originated on the platform from July 15, 2009 through January 31, 2012. The average is weighted by the originated dollar amount of the loan.
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Prosper.com Funds More Than $300 Million in P2P Personal Loans
UNL researchers correlate personality traits with personal development
Posted: at 3:36 pm
Anyone who had an imaginary friend as a kid knows what it's like to invent personalities for people who don't exist. Usually, this activity is outgrown, but University of Nebraska-Lincoln researchers Peter Harms and Fred Luthans have brought it back to a number of adults. A recent study co-authored by the two shows that the way people imagine others reflects their own personalities.
To test this hypothesis, the two applied a concept known as "psychological capital," a theory developed by Luthans ten years ago and used in a number of UNL studies, to the participants.
The theory of psychological capital targets personality characteristics or concepts that make individuals more prone to positive growth and direction, especially in the workplace.
The measurement of psychological capital consists of four components: hope, efficacy, resiliency and optimism, otherwise known as "HERO."
According to Luthans, these concepts were decided upon as important characteristics to have because they contribute to theory and research and are open to development. They are separate from a person's personality in that they can continue to be developed as an individual matures, whereas other characteristics are fully developed by adulthood, Luthans said.
Psychological capital has been successfully used in military, industry and education, according to Harms, although he said this is his first involvement on a project using the concept.
Luthans also said that having the HERO concepts contributes to a strong and desirable work ethic.
"It's about the hero in us," he said.
To test each individual's measure of these concepts, Harms and Luthans presented each participant with hypothetical situations and asked them to report on how a co-worker would react to each one.
Luthans estimated that between three and four hundred people were involved, reportedly from a range of career fields.
The researchers had them imagine how a co-worker would respond to three stimuli: a new job, a supervisor wanting to speak with him or her and making a mistake at work.
"By imagining others they revealed who they are," Luthans said.
According to Luthans, these tests were a simpler form of projective personality tests, a tool used in psychology for years in which a participant sees a picture and tells a story about it.
Harms said this was an effective way of measuring the way respondents view others. He said that if asked outright, many people who view others negatively have the tendency to respond positively as a means of maintaining relationships with others. Using the hypothetical situations takes away this bias, he said, because it targets people's unconscious perceptions of others.
The situations revealed the basic level of positivity of each respondent and were about "taking positive psychology to the workplace and realizing what's positive with people, not what's negative," Luthans said.
The study will be published in an upcoming edition of the Journal of Organizational Behavior.
"I think (this study) could be very useful for developing self-awareness," Harms said.
Luthans agreed. "It's really having an impact."
marenwestra@
dailynebraskan.com
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UNL researchers correlate personality traits with personal development
Education When and Where You Need It — Scottrade Commercial – Video
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Education When and Where You Need It -- Scottrade Commercial - Video
Birthologie – Empowered Online Childbirth Education – Video
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Birthologie - Empowered Online Childbirth Education - Video
CMU online courses receive high marks
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MT. PLEASANT, MI (WNEM) -
U.S. News and World Report, in its first-ever Top Online Education Program rankings, gave CMU high marks in a variety of areas, including student engagement and assessment, student services and technology and faculty credentials and training.
CMU started its distance learning program in 1971 with more than 50 locations in the U.S., Canada and Mexico.
Merodie Hancock, vice president of CMU's Off-Campus and Online Programs, says the rankings provide independent affirmation of CMU's long-time focus on student success and service.
"The continued growth of CMU's online programs, both in increased course offerings and student enrollment, reflects CMU's commitment to providing learning environments that are of the best academic quality while offering flexibility and faculty engagement that meets the educational needs of our students," Hancock said.
Highlights of the rankings for CMU, which offers nearly 200 online bachelor's degree programs and 170 online master's degree programs, include:
Number 3 ranking for student services and technology for online graduate business programs. Number 3 ranking for student engagement and accreditation for online graduate education programs. Number 10 ranking for student services and technology in online bachelor's programs, number 11 ranking for student engagement and accreditation in online graduate business programs, and a number 20 ranking for student services and technology for online graduate education programs.
"The success of CMU's alumni, which includes top military leaders, executives of the country's leading businesses, top educators and administrators at all levels of government are testimony to the focus CMU places on helping its students succeed," sHancock said.
Notable alums include Gen. Norton Schwartz, current chief of staff of the Air Force; Michael Orris, chief procurement officer for Rolls-Royce; Vivien Crea, Vice Admiral of the U.S. Coast Guard; and Scott Bernard, federal chief architect.
The school says the high ratings in technology reflect CMU's focus on making online learning accessible, interactive and engaging for students so they can complete a rigorous online program and experience the same academic environment as students in a traditional classroom setting.
"Technology, combined with faculty who bring real-world experience to the educational setting, is another testament to CMU's ongoing commitment to providing faculty who are responsive and engaged with their students regardless if it is online or in a face-to-face setting," said E. Gary Shapiro, CMU's executive vice president/provost.
Central Michigan University is one of the country's 100 largest universities, with more than 28,000 students enrolled on its main campus in Mount Pleasant, MI, its more than 50 locations and online.
Select locations include Atlanta, Washington, Detroit, Camp Pendleton, CA, the Pentagon, Toronto and Guadalajara, Mexico.
Copyright 2012 WNEM (Meredith Corporation). All rights reserved.
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CMU online courses receive high marks
"Life Coaching Club" – Video
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"Life Coaching Club" - Video
Episode 85 – Change Your Story Change Your Life – Joe White, Life Coach, Get Life Coaching – Video
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Episode 85 - Change Your Story Change Your Life - Joe White, Life Coach, Get Life Coaching - Video