Live Long & Prosper...

It's been a while since I've blogged. I stink. I know this. I'm still an amateur blogger. I'm sure if I kept up with this daily, I'd become an incredible blogtress this side of Naperville has ever seen! LOL!

Today, I signed up with Prosper.com. It has been a tip that my buddy, Joe Giordano, had been telling me about and it wasn't until today that I did something about it.

Here's the story:
I need about $8K - $10K in my pocket to get an extensive amount of dental work done to me in order to fix my TMJ. The reason why I need the money in my pocket is because the dentist's office requires the money up front, then I make a claim(s) toward my dental insurance to get reimbursed a certain percentage per procedure. I need a splint built (Phase 1 of treatment) and special braces called Damon 3 (Phase 2 of treatment).



I'm super excited to get all this work done, so 1) I won't be suffering anymore jaw pain from eating or even yawning and 2) I will be getting my overjet and overbite fixed as well (FINALLY!)

Ok, so here's where Prosper.com came into play. I was talking to Joe about how amazing it was that even with my measely 4% raise that I got in early March, I still find it difficult to make ends meet. Shocker. I know. So Joe told me that Prosper.com might be a good solution.

Here's what it says on Prosper.com's home page:

Prosper is an online community for lending and borrowing money.
Bidding on borrowers' loans, lenders get great returns by offering great rates.

And that means everybody does better. Together.

Here's how it works:

• Borrowers create a listing and set the interest rate they're willing to pay
• Lenders place bids with as little as $50 toward the loan
• Prosper combines the bids with the lowest rates into one simple loan
• The loan amount is deposited directly into your bank account.

There's also a short video that demonstrates how it all works and how everyone benefits.

I thought this might be a good option for me to turn to since I was denied a dental loan of $10k from Capital One Healthcare Finance, a 3rd party financial institution that my dentist's office deals with. Fun times.

Grr. I'm going to cut it short here. My jaw is killing me and I'm going to go take a muscle relaxer and pass out for the night... Maybe crunchy cereal wasn't a wise choice for dinner tonight. Oh well.

Smooches and Embraces. G'night! :-*