Filed under: Finance, Internet, Features, Web services, Social Software, web 2.0
As you may have noticed, now might not exactly be the best time to get involved in the stock market. Sure, year over year, chances are you'll make money. But there's a good chance that if you throw a few thousand dollars into a mutual fund right now it might be worth less in 3 months than it is today. Fortunately, there's more than one way to turn your savings into more savings. And thanks to the internet, a couple of new opportunities have developed over the last few years.
First up, you might want to take a look at online savings accounts and CDs. Since banks like
ING Direct don't have to spend a lot of money on bricks and mortar operations, they can offer higher interest rates than many traditional banks. And even many
old school banks offer online accounts with higher interest rates than their traditional offerings.
But thanks to the recent economic downturn, many of these banks are lowering their interest rates. While you could easily open an account with a 5% interest rate a few months ago, you'll be lucky to find one over 3% now. If you're looking for another opportunity, albeit a riskier one, you might want to check out a new breed of financial transactions: social lending services like
Prosper,
Lending Club, or
Zopa.
Continue reading How to make, borrow, or lose money with P2P lending
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译文:
P2P借贷利用全攻略
大概你已经注意到，现在可不能算是进入股市的最好时期。当然，年复一年你还是有可能赚到钱的。不过如果你今天把个几千美元投入共有基金，三个月后倒是极有可能比现在还要不值钱。幸好，让你的储蓄增值还是有不止一条途径的。也多亏了网络，一些新的机会在最近几年也发展起来了。
不过由于近期的经济萎缩，许多这样的银行都降低了它们的利率。对比几个月前还能很轻松地开一个有着5%利率的账户，现在的你要是能找到一个高于3%的已经算是很幸运了。如果你确实是在寻找另一个机会，即使它有着更高的风险，你也许会对这一种新的金融交易感兴趣：像
Prosper,
Lending Club, 或是
Zopa这样的互助借贷模式。