To start off, this is for people with a little bit of money (from $50 - $XXXX) to spare. If you're looking for instant money, this is not for you. But if you're looking for a decently safe place to invest your money that pays more than the crappy 3% return rate that CDs offer right now, then this is DEFINITELY for you. I joined Pr0sper.com awhile ago and have been very pleased with it. For those who don't know, Pr0sper is a peer to peer lending site; people who need loans post on the site, and people who want to make some interest fund those loans. I'm a loaner and I make on average 15% on the money I loan out. I screen my borrowers carefully to make sure there is a high probability of them paying me back, and so far I've not had any default on me. *knocks on wood* The best part is, if someone refers you to be a loaner, both of us (the referrer and the referee) get $25 deposited in our accounts by Pr0sper. So if you're interested, send me a PM and I'll send you a referral. Also, if you need a loan and I refer you, I get $50, but I'll happily send $25 back to you, so if you're looking to borrow, I can help you out as well. Details of the referral program are at hxxp://www.pr0sp3r.c0m/help/topics/account-referrals.aspx If there are any questions, please feel free to ask me or check out their website at hxxp://www.pr0sper.c0m.