When I lend money --- I'm taking collateral. A title or secured creditor. First in line with hard assets. Otherwise I can just buy some more MO or T -- and collect a dividend.
While I like to help out -- I'm in it to make my money make money.
The problem with "lending" is that it's not liquid. I like / prefer liquidity. I want a premium return for giving up liquidity (think LLC apartment investing - where returns are 7% or so plus the upside).
Peer to Peer (P2P) lending typically is unsecured...
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