P2P Lending Archives Dear Mr. Cox: I don't have to tell you that the Madoff mess has dominated the Wall Street Journal headlines for the past few days. You probably saw Jane Kim's recap today tallying the $25 billion in known losses so far in a wide-reaching, long-running fraud perpetrated by a firm overseen by your agency. It's not that I blame you for the Madoff fraud. You've probably been too busy to read Netbanker (see note 1), but if you had, you'd know that I haven't been very happy with the way the U.S. peer-to-peer lending industry has been treated by the SEC this year. Currently, just a single company, Lending Club, remains in operation, but they were crippled much of the year by a dark period as they spent hundreds of thousands of dollars meeting SEC registration requirements. As recently as last year, we had as many as a dozen companies in various stages of launching companies in this space. And even before the SEC became involved, it's not like these companies were skating by with no regulation.
The New Art of the Possible | Knowledge Insights Embracing new technology and having an open and curious mindset is the key for not only growth but survival in every industry today. I cannot think of one industry that has not felt the distributive effects of new technologies and the rate of social adaptation. I deliberately don’t call it adoption as this is a term for “Systems of Record”. I recently read a fascinating post by Ayelet Baron that brilliantly encapsulates the essence of what we are seeing. Ayelet asks these disruption questions: Are you in a dying industry? In her vision of the future of work and the blurring of industry lines, Ayelet makes a comparison between what’s happening in the music industry and publishing. Here is Ayelet’s full post: Debra Fox Like this: Like Loading...
CoFundit FAQ 10 Ways to Teach Innovation Getty By Thom Markham One overriding challenge is now coming to the fore in public consciousness: We need to reinvent just about everything. Whether scientific advances, technology breakthroughs, new political and economic structures, environmental solutions, or an updated code of ethics for 21st century life, everything is in flux—and everything demands innovative, out of the box thinking. The burden of reinvention, of course, falls on today’s generation of students. This is hardly the case, as we know. Move from projects to Project Based Learning. Teach concepts, not facts. Distinguish concepts from critical information. Make skills as important as knowledge. Form teams, not groups. Use thinking tools. Use creativity tools. Reward discovery. Make reflection part of the lesson. Be innovative yourself. Related
Credit personal loan instant credit loan from private - smava.de Surviving the Ups and Downs of Social Movements Those who get involved in social movements share a common experience: Sometimes, when an issue captures the public eye or an unexpected event triggers a wave of mass protest, there can be periods of intense activity, when new members rush to join the cause and movement energy swells. But these extraordinary times are often followed by long, fallow stretches when activists’ numbers dwindle and advocates struggle to draw any attention at all. During these lulls, those who have tasted the euphoria of a peak moment feel discouraged and pessimistic. The ups and downs of social movements can be hard to take. Certainly, activists fighting around issues of inequality and economic justice have seen this pattern in the wake of Occupy Wall Street. After intensive uprisings have cooled, many participants simply give up and move on to other pursuits. Unfortunately, the fluctuating cycles of popular movements cannot be avoided. The Moyer map The expulsion led him into the arms of the Quakers.
LendingKarma (lendingkarma) From Social Networks To Market Networks James Currier is a cofounder and partner of NFX Guild, an early-stage fund with a three-month program for marketplace and network businesses. How to join the network Most people didn’t notice last month when a 35-person company in San Francisco called HoneyBook announced a $22 million Series B*. What was unusual about the deal is that nearly all the best-known Silicon Valley VCs competed for it. Market networks will produce a new class of unicorn companies and impact how millions of service professionals will work and earn their living. What Is A Market Network? “Marketplaces” provide transactions among multiple buyers and multiple sellers — like eBay, Etsy, Uber and LendingClub. “Networks” provide profiles that project a person’s identity, then lets them communicate in a 360-degree pattern with other people in the network. What’s unique about market networks is that they: An example will help: Let’s go back to HoneyBook, a market network for the events industry. We’ve Seen This Before
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