I don’t have statistics to back this up, but I’ll venture to guess that faith in United States banks is at an all-time low. This got me thinking about alternatives to banking and insurance companies.

Turns out that Zopa.com thought of this three years ago. The website allows people to post the amount of money they want to borrow, then find other individuals to lend it to them at low rates.

It’s also an investment tool. From the UK’s This is Money:

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