Who deserves my money? That’s the question I get to ask after joining Prosper, a new peer-to-peer lending system. The concept was always appealing but I was moved to action after a conversation in NYC with a friend who has ‘put some money on the street’ via Prosper and found good results (no defaults, 10%+ interest rates). Funds are being transferred to my lender acct from my bank so it’ll be a few days before i get to make a loan.