High Yield Savings with Prosper and Lending Club

Balance Sheet and Income Statement

Since savings accounts in bank do not offer much interest anyway, here are few high yield savings options for you. Prosper and Lending club are peer to peer lending portal.

If you need to borrow for your home re-modelling or healthcare needs, you can go to these portals to borrow money. These sites take care of all paper works and checking your credit score and all other formalities and basically rates your credit worthiness and assigns the interest they are going to charge you.

Now, you need to lend money to earn high yield on your investment. You go to the market place of prosper and lending club and find notes. Note is nothing but the people who is looking to borrow. You can see the rating, that is essentially the credit worthiness. Based on credit rating, income, past payment history, total debt etc.

How these high yield savings work?

High Yield Savings
High Yield Savings

You can invest as little as $25 on a note. My advice you get notes with the highest rating, although the return on your investment would be low but at least your investment would not go bad and you will keep on getting interest payment along with principle balance.

High Yield Savings 2017
High Yield Savings

And every month you can withdraw those funds back to bank account or re-lend it.

The business model is, the borrower pays interest and some principle amount , prosper or lending club take their cut as processing fee and then you get part of your income from the interest the borrower has paid. Remember, the borrower can default. And lower the rating they got, higher the chance of defaulting it. So it is safer in low yield notes those have highest rating.

These is one more high yield savings option, DCU.org, for first $500 you will get 3% and then the interest goes down for rest of the balance on your savings.

If you are interested to invest in gold and worried about storing then try out goldmoney.

Author: pachubabu

I love trying different cuisine, hiking, travelling and blogging about personal finance ,investing & health/fitness

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    In cadrul unui studiu la care au luat parte
    50000 de femei, cercetatorii au descoperit ca 2-four cesti de cafea pe zi au
    redus incidenta depresiei cu 15 pana la 20%. In Bucuresti, stiu doar 4 surse de cafea de calitate:
    Sarkis, Florescu, Papa Jacques si batranul Keskerian. Pentru foarte multe persoane, cafea aromata face parte dintre placerile zilnice careia ii
    este imposibil de rezistat. Până la urmă se acceptă și unul din inox La
    început va fi lucios și curât, timpul îl va înnegri și
    cafeaua va fi din ce în ce mai bună. Ceremonia este condusa, de obicei, de femeie tanara, imbracata in costum traditional si incepe
    cu aranjarea ustensilelor necesare prepararii cafelei, pe un pat de ierburi aromate: un mic gratar cu carbuni, tigaia pentru prajit cafeaua, piua pentru macinat
    cafeaua si jebena-un vas negru din lut, cu baza rotunda si gat lung si ingust.

    Varianta pt cei setati pe ‘cafea lunga’ e sa puna apa fierbinte si lapte dupa ce e espresso gata.

    Lavazza Gran Aroma Bar este un amestec echilibrat de cafea arabica 60 % si
    robusta 40 %. Boabele sunt uniform prajite pentru a produce cafea cu un gust bogat si intens.
    Brandurile de cafea stiu lucrul asta si isi prajesc cafeaua dark apoi ambaleaza in diverse moduri – unii in cutii, altii in pungi vidate sau in pungi cu valva unisens (valva lasa dioxidul de
    carbon sa iasa din punga dar nu lasa aerul sa intre)
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    Între cele două specii de cafea există diferenţe notabile dictate de altitudinea şi climatul în care sunt
    domesticate: arborii de cafea Arabica cresc într-un climat umed și produc boabe de cafea de calitate superioară
    cu un gust intens aromat, citric, pe când specia de cafea Robusta crește într-un climat dur,
    este de calitate inferioară, având un gust aspru, intens.
    In orice caz, exista cateva bauturi racoritoare pe baza de cafea care fac orice zi caniculara sa para mai placuta.
    Daca incepem sa prostim oamenii, spunandu-le ca noi prajim cafeaua in 7 feluri
    diferite doar ca sa ne dam mari prajitori – descoperitori ai unor taine
    demult uitate, nu cred ca vom ajunge prea departe cu
    treaba asta.

    Scoaterea petelor proaspete de cafea se face cu apa calda si detergenti
    Petele vechi se tamponează cu glicerină, apoi
    cu apă caldă şi în last cu apă oxigenată.
    Pentru majoritatea oamenilor, cafeaua in cantitatile pe care organismul lor le suporta bine e medicament,
    iar cola e otrava cu actiune lenta pentru oricine.
    Perioada maximă în care cafeaua se poate păstra proaspătă este de aproximativ 2 săptămâni din momentul în care a fost prăjită.
    Mi-am cumparat espressor italian din Germania,
    accesorii, cafea scumpa si fac cafea mult mai proasta decat la vechiul filtru de plastic cumparat cu reducere de la Domo.

    In urma succesului acestei carti, a putut, in high quality, sa isi implineasca visul, ce raspundea si dorintelor oricarui impatimit de cafea din Romania, si
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    Niste prieteni din copilarie s-au apucat imediat dupa revolutie sa
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    Espresso cu lapte cald (70-seventy five grade C), fara spuma intr- ceasca de cappuccino sau intr-un pahar cilindric (200 / 220 ml lapte, 25 ml espresso). Au vrut să împărtășească pasiunea lor cu toți cei care le trec pragul, de aceea, încă de la deschidere, primele conversații de la ROOTS aveau în centru cafeaua. Mulți consideră că păstrând cafeaua în frigider, aceasta se menține proaspătă mai mult timp. Cafeaua ‘ l-am testat cu tot felul de cafele incepand de la cafea no-name cumparata vrac, pana la banalul Jacobs sau Davidoff. Eu ma mir la mine la munca cum multi beau otrava gratuit(automat doncaffe) si considera buna iar de curand au pus lavazza cu capsule pe bani , un succes nebun.

    Beneficiezi în acest mod de un nou canal de advertising digital care poate avea un affect pozitiv asupra volumului vânzărilor și poate contribui la atragerea de capital de think about pozitiv prin transformarea utilizatorilor în ambasadori ai numelului tău de marcă. Fiind un fan al cafelei cu lapte, sistemul automat de spumare a laptelui este un mare plus pentru alegerea acestui espressor Philips si nu in ultimul rand sistemul automat de curatare si detartrare imi da posibilitatea de a prelungi duata de viata a espressorului dar in acelasi timp ofera un gust proaspat la fiecare ceasca de cafea.

    Nu în ultimul rând, există şi slot pentru carduri microSD cu capacitatea de până la 32 GB. Preţul acestuia ajunge la 189 EUR (circa 850 lei) fără abonament şi pleacă de la 49 EUR (220 lei) în cazul anumitor abonamente scumpe. Si da, tinand cont ca majoritatea solutiilor de decalcifiere au ca substanta activa acidul citric, sarea de lamaie se poate folosi fara probleme. Cappuccino se prepara cu un shot de espresso, cu aceeasi cantitate de lapte cald si aceeasi cantitate de spuma de lapte. Cafeaua Arabica are un continut de 5,5 – eight% acid clorogenic, iar cea Robusta intre 7 – 10%. În acest moment, există două metode care sunt utilizate pentru a elimina cofeina din cafea.

    Period cu vrei 30-forty de euro mai scumpo decat pretul cu care il puteam lua la liber (evident nu de la Orange). Adesea, expertii în cafea se refera la momentul prajirii numindu-l „momentul adevarului”.
    La apus, ceștile de cafea se transformă în pahare cu
    mixuri savuroase sau cu vinuri autohtone. Vei avea acces la toate
    hotspoturile „Telekom_Fon” din România și la rețeaua globală
    WiFi Fon. Situația se schimbă pe măsură ce piața din Kenia – atât prin intermediul licitației cât și prin cel al
    noilor agenți de advertising licențiați – se adaptează nevoilor și solicitărilor prăjitorilor de cafea de specialitate și ale clienților acestora.

    Â. Un amestec care contine a hundred% cafea Arabica
    contine numai 1,1-1,7% cofeina fata de 2-four%
    al cafelei Robusta. Începe prin a face cafea tare la filtru, care să conțină amestecul
    necesar de cicoare. Aflatoxina B1 si Ochratoxina A pot fi prezente
    preponderent si in cereale, stafide, bere, vin, ciocolata neagra sau unt
    de arahide. Boabele de cafea prăjite înregistrează pierderi în greutate
    până la sixteen-18 % datorită evaporării apei și descompunerii unor substanțe pe care le conțin, componentele sunt modificate, precum și creștere în volum a boabelor de cafea, până la 25%.
    Denumite oarecum eronat si espressoare manuale
    (datorita faptului sa dozarea cafelei se face manual) sunt in opinia specialistilor barista cea mai buna alegere
    posibila.

    Se poate folosi si cafea instantaneous: se pun 2-three lingurite de cafea instant, lingurita de zahar, lingurita de frunze uscate de menta si 2-three lingurite de frisca.
    In timp, s-a extins, creand gama variata de aparate pentru gatitul la domiciliu.
    De mentionat si faptul ca pentru aceasta categorie de
    consumatori exista criterii mai exigente si specifice legate de marca decat in cazul
    consumatorilor de cafea immediate sau filtru. Contacteaza-ne pentru evaluare a locatiei dvs pentru hotspot sau pentru un pachet customized.

    Zatul de cafea este benefic in gradina daca este folosit
    cu moderatie, dar este usor sa exagerati.

    Evident, nu voi reuşi să scriu despre cafea
    decât într- serie de câteva articole. Asa cum se indica in publicatia medicala Harvard
    Girls Well being Watch, un consum moderat de cafea nu ridica niciun fel de probleme si are,
    in plus, efecte benefice asupra starii generale de sanatate a
    organismului. Pentru ca ficatul bebelusului nu poate metaboliza cafeina, ceea ce il
    face sa ramana treaz pe perioada mai mare de timp, viitoarea
    mama trebuie sa scada semnificativ cantitatea de cafea consumata.
    Zat va ajunge si in vasul din care sa beti dar in mare parte
    va ramane in ibric. Submit-gustul sau retro-gustul este
    cel care persista la 10-15 minute dupa ce ai consumat ceasca de espresso sau de cafea.

    Cu modul bridging activat, aplicația Hotspot MAX va
    lega dispozitivele conectate la hotspot direct la
    rețeaua pe care transmiți. Ma rog, trebuie sa
    ai aproximativ 50 de mililitri de apa, pe care sa ii aduci la temperatura de fierbere de
    a hundred and ten grade. Daca doriti sa preparati cafea
    pentru mai mult de 6 persoane, ar fi preferabil sa faceti in mai multe reprize.
    Pasul three. Ibricul se cufundă în nisipul foarte încins,
    cam până la nivelul apei și se învârte câteva zeci de secunde.
    Exceptie face Brazilia, întrucât varietatile de arabica braziliene au aroma
    mai putin rafinata. Preparată și consumată încă din secolul al 15-lea în Yemen, până la spre sfârșitul
    secolului al 16-lea, cafeaua turcească s-a extins până în Cairo și Mecca.

    Risc redus al bolii Parkinson – Un studiu care a comparat bautorii
    de 3-5 cesti de cafea pe zi cu nebautorii a constatat ca la bautorii
    de cafea a fost semnificativ mai putin probabil sa se dezvolte boala parkinson mai tarziu in viata.
    Rezervorul are capacitate de doar 0.6 litri si aparatul prepara cate ceasca de
    cafea la fiecare utilizare. Aceste boabe le-au dat puterea sa învinga oboseala si sa ajunga pâna în orasul Moch.
    Identificarea pe hartă a celui mai apropiat hotspot Wi-Fi FON se poate
    face aici, iar utilizatorii pot selecta „România” pentru un acces fast, după care pot vizualiza detalii cu „Zoom in”.

    Daca il lasi prea putin pe foc, zaharul nu se topeste suficient pentru
    a se carameliza complet si iti raman particule de zahar netopit in interiorul lui (punctul A de temperatura si timp).
    Daca e vorba de John Bilco din Florida atunci va astept la cafea decofeinizata Fidel Castro sau la cafea
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    veni in Romania. Şi pentru ca experiența petrecută la Let’s
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    ca aparatura și dotările din shop să fie de top: espressorul pe care
    îl folosesc este La Marzocco Strada Mp, fiecare espressor având profil de extracție unic şi dezvoltând arome complexe și echilibrate, iar râșnița Mahlkonig-EK43
    îi ajută să macine bobul de cafea în particule egale, rezultând un espresso perfect.

    Spre deosebire de robusta, cafeaua arabica are nevoie de soluri bogate în minerale
    şi temperatură constantă de aproximativ 20 de grade
    celsius. Cafeaua m-a atras încă din copilărie: aveam în jur de eight ani și,
    pentru că școala period lângă casă, învățătoarea mă trimitea acasă, în pauză, să îi
    fac cafea. Se foloseste si se curata foarte usor, nu
    mai pui cafea sau cine stie ce ca sa faci mizerie.
    Poate va intrebati ca si mine ce este cafeaua verde si iata ca acum sunt in masura sa va spun ca,
    acest produs miraculos , nu este decat cafeaua in starea
    ei verde, inainte de a fi prajita, cunoscuta astazi ca una dintre cele mai revolutionare metode de slabire, fiindca odata prajita, cafeaua isi pierde din proprietatile naturale,
    dar si din proprietatile de slabire si detoxifiere ale organismului,fiind mai
    usor de pastrat, de ambalat si de comercializat de catre companiile de cafea.

    Gustativ: sorbiți înghițitură (temperatura să fie de aproximativ 66
    de grade, nivel atins la 30 de secunde după ce este produsă
    de aparatul Nespresso) și distribuiți cafeaua în jurul
    limbii și al palatului gurii (nu mai mult de 10 secunde).
    Si, daca asta nu ar fi destul, aceste vicii
    merg mana in mana, reusind sa se ajute unele pe altele si
    chiar sa-ti dea pretextele; „nu merge cafeaua de dimineata fara tigara” si „a zis un umflat platit de producator ca e aliment”.
    Fie ca discutam despre cafeaua consumata in cadrul intalnirilor oficiale
    sau despre cafeaua servita social, cafeaua este mai degraba un ritual, un pretext de a comunica.

    Calitatea este monitorizată cu mare grijă, asigurându-se că savoarea
    și buchetul de miresme al boabelor de cafea înfloresc corespunzător.

    Cafeaua a ajuns în America Latină câteva decenii mai târziu, când
    francezii au adus plantă de cafea în Martinica.

    In prima intra relatarile slab sau deloc argumentate din punct de
    vedere istoric, privitoare la originea si „circuitul” bauturii in lume. Exista circa 50 de cooperative in aceasta regiune si pot produce in jur de 2000 de tone de cafea. Conținutul de cofeină în schimb este aproape dublu și variază între 2% și four%. Boabele acestei specii de cafea sunt mici, au formă neregulată și culoare maroniu – gălbuie.

    Se recomanda folosirea unui briki” autentic, caci poate fi obtinuta cantitatea optima de spuma sau caimac-care este parte importanta a procesului de preparare a cafelei.
    De reținut este faptul că, cu cât procesul de producere
    al cafelei la filtru este mai lung, cu atât cafeaua
    va fi mai tare; cu cât sunt mai fin măcinate boabele
    de cafea, cu atât crește și tăria cafelei. Cafeaua este cultivata la altitudini reasonable
    de 1300- 2000 de metri, pe pantele muntelui Elgon. Se poate ajunge la un espresso
    corect mărind măcinătura, scăzând cantitatea de cafea din sită, sau câte un pic din fiecare.
    Baza acestui Iced Espresso va fi un concentrat de cafea infuzata
    in apa plata la rece, numit Cold Brew.

    La metodele de filtrare se are grija sa se umezeasca in prealabil filtrul cu apa pentru a nu retine foarte multe din uleiurile natural ale cafelei.
    Apoi ea urca în amestecatorul de cafea verde, de unde este dirijata catre prajitor, care înapoiaza apoi
    catre racitor. In timp ce majoritatea aparatelor de espresso produc presiune
    de 15 bari, aparatele Nespresso au presiune de 19 bari (sunt precum cele profesionale).
    In acest second, exista doua metode care sunt utilizate pentru a elimina cofeina din cafea.
    Uneori boabele de cafea sunt slefuite pentru a indeparta si ultimele urme de coaja de pe acestea.
    Arabica este cafea cu mai puțină cofeină (zero.8 și 1.4) %, apreciată
    datorită calităților sale aromatice și fineții gustului. http://supplyconceptsinc.com/?option=com_k2&view=itemlist&task=user&id=2249921

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