I'm neither a lender nor a borrower. I would have been a lender but by Jan 07 the handwriting was already on the wall thanks to the honesty of several people who post here. I thank them every day for the money that I didn't invest in Prosper.
I happily collect around 15% on international index funds and the remainder in a 5.05% hi-yield savings account.
I live in Los Angeles with an 8 lb. Silky Terrier.