Gründerszene Today: Smava zeigt Zahlen, IP-Adressen gehen aus, Qeep-Nutzer verkaufen ihre Freunde Smava meldet das bisher erfolgreichste Geschäftsjahr, die IP-Adressen gehen dem Ende zu und Qeep verleitet Nutzer dazu, ihre Freunde zu verkaufen. Smava zeigt Zahlen Für den Kreditmarktplatz Smava (www.smava.de) war 2010 das bisher erfolgreichste Jahr in der Firmengeschichte. Das Kreditvolumen, das über die Plattform vermittelt wurde, belief sich auf rund 22 Millionen Euro – und stieg damit um knapp 50 Prozent im Vergleich zum Vorjahr. IP-Adressen neigen sich dem Ende Die Adressen gehen aus. Freunde zu verkaufen Wer wollte das nicht schon immer: die Freunde zum Haustier machen und verkaufen. Mytaxi im Test Nachdem die Taxi-App Mytaxi (www.mytaxi.net) auch in Köln und Bonn verfügbar ist, unterzieht der in Bonn verortete Basic-Thinking-Redakteur Jürgen Vielmeier den Dienst einem Praxistest. Der E-Mail-Wahnsinn Wer den Firmenverteiler à la “alle@firma.com” benutzt, zahlt in Zukunft 1 Euro. Bestsecret lehnt Nutzer ab Rating: 0.0/5 (0 votes cast)
The New Art of the Possible | Knowledge Insights Embracing new technology and having an open and curious mindset is the key for not only growth but survival in every industry today. I cannot think of one industry that has not felt the distributive effects of new technologies and the rate of social adaptation. I deliberately don’t call it adoption as this is a term for “Systems of Record”. I recently read a fascinating post by Ayelet Baron that brilliantly encapsulates the essence of what we are seeing. Ayelet asks these disruption questions: Are you in a dying industry? In her vision of the future of work and the blurring of industry lines, Ayelet makes a comparison between what’s happening in the music industry and publishing. Here is Ayelet’s full post: Debra Fox Like this: Like Loading...
event-summary-a66f17b04cdb4230a20ef965c1114c1a The LendIt Conference is the leading conference in the global online lending industry, encompassing both consumer and small business lending. LendIt is about introducing people to the latest and greatest online lending platforms, the big data that makes them tick and how investors can benefit. Our inaugural conference, LendIt 2013, was held in New York City on June 20, 2013, and was completely sold out. In fact, the conference was oversold and many people were turned away. Since June, the online lending industry has been growing immensely. The 2nd Annual LendIt Conference will be held in San Francisco on May 4-6 2014. LendIt 2014 is the must-attend event for anyone looking to meet and learn from the leaders of the online lending industry. Please register here. Buy-side institutions interested in purchasing LendIt 2014 tickets using soft-dollars, via Instinet, please contact dara@lendit.co.
Peer To Peer Lending Review - Dangers Revealed In a world of zero percent interest rates peer to peer lending can look mighty tempting for yield hungry investors. Don’t be deceived. Your investment profit is determined by mathematical expectancy (most simply understood as probability times payoff). Expectancy=(Gain on a Winning Bet * Probability of Win) + (Loss on a Losing Bet * Probability of Loss). When filtered through that lens the problems with peer to peer lending are immediately obvious: Your gain is strictly limited to the interest rate; whereas, your loss can be 100% creating a negative risk/reward ratio.Your probability of gain or loss is impossible to define because the system is too new to have been adequately stress tested. Simply put, if you are playing the peer to peer lending game from the investor side then you are gambling – not investing - because you are working with an unknowable and potentially unfavorable mathematical expectancy. Take it away Doug… What is Peer To Peer Lending? Peer-To-Peer Borrowers
P2P Lending Sites: An Exhaustive Review - LendingMemo Unless you are just getting back from vacation, you’re probably aware of the big news that Google made a $125 million investment in Lending Club. Almost all the major news sites covered this event. The investment (a 7% stake in the company) values Lending Club at $1.55 billion, and makes the company a likely future hallmark of American finance. To help newcomers to the lending scene, today’s post will review the entire peer to peer lending scene in the US. Let’s get started. Two American Companies While we wait for additional companies to launch, there are currently two great options to choose from: Lending Club and Prosper. Lending Club You cannot mention peer to peer lending without first talking about Lending Club. Lending Club was founded by its CEO Renaud Laplanche, who recently gave a great interview for LendingMemo. For a Lending Club loan click here.To become a lender, you can sign up here (note: unavailable in some states). Prosper P2P News Sites and Blogs LendAcademy Orchard Blog
smava: 8.000.000 € Finanzspritze, nur 40.000 € Umsatz | BlogWave.de Ich habe gestern bei deutsche Startups mal wieder einen kleinen Artikel über smava gelesen. smava ist eine Kreditplattform auf welcher man sein Geld zu einem bestimmten Zinssatz verleihen und somit bei Kreditnehmern anlegen kann oder sich aber Geld für bestimmte Dinge leihen kann. Die Community soll angeblich ganz gut funktionieren. Was mich echt nur wundert bzw. stutzig macht, sind die ständigen Finanzierungsrunden… Letztes Jahr hat der Investor Earlybird schon satte 4 Millionen Euro in den Laden gepumpt. Und als ob das nicht genug wäre, ging soeben die zweite Finanzierungsrunde erfolgreich über die Bühne. Liest man den Artikel weiter steht etwa mittig etwas von dem bislang vermittelten Kreditvolumen. Der Kreditnehmer zahlt nur bei erfolgreichem Abschluss eines Kreditvertrages eine Erfolgsgebühr von 1% des Kreditbetrages. Diese Aussage findet man unter dem Menüpunkt “Gebühren”.
10 Ways to Teach Innovation Getty By Thom Markham One overriding challenge is now coming to the fore in public consciousness: We need to reinvent just about everything. Whether scientific advances, technology breakthroughs, new political and economic structures, environmental solutions, or an updated code of ethics for 21st century life, everything is in flux—and everything demands innovative, out of the box thinking. The burden of reinvention, of course, falls on today’s generation of students. This is hardly the case, as we know. Move from projects to Project Based Learning. Teach concepts, not facts. Distinguish concepts from critical information. Make skills as important as knowledge. Form teams, not groups. Use thinking tools. Use creativity tools. Reward discovery. Make reflection part of the lesson. Be innovative yourself. Related
Peer to Peer Savings Questions & Answers - MoneySuperMarket Savers are increasingly turning to peer-to-peer lending websites in search of higher returns than those on offer from the nation’s banks and building societies. Peer-to-peer lending websites work by matching up savers (known as ‘lenders’) directly with people (or small businesses), who are looking to borrow – at interest rates agreed by both parties. If you are considering lending your money via one of these websites, it’s important to understand exactly what’s involved. We explain all you need to know. 1) Can anyone lend through a peer-to-peer lending site? 2) What is the minimum/ maximum amount I can lend? 3) Are there any charges to be a lender? 4) How long will it be before the amount I’m lending is matched to a borrower? 5) Will I know who I am lending to? 6) How long do I have to lend my money for? 7) What if I need my money back before borrowers are due to pay it back? 8) What sort of returns will I get? 9) Do I have to pay tax on my returns? 3) Yes there are. 9) Yes you do.
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