Registered Nurse needs some help,

Purpose of loan: This loan will be used to? fulfill a dream to open a community home health care business. Thirty years experience as Registered Nurse Supervisor, primarily in nursing home (long term care) environment. My financial situation: Working my way out of situations where I chose to help those who needed my help. As a result, I currently do not have the resources on hand to start the business. I am a good candidate for this loan because? the services are needed, the clients and prospective employees are awaiting the service to begin, and I pay my obligations.? For years have had excellent credit.? I, like most people, have been negatively effected by having to assist family members who have been out of work or not having enough income to meet their obligations. Monthly net income: $6,189.00, Monthly expenses: $3,296.84, ??Housing: $ 631.00??Insurance: $72.84 ?Car expenses:$ 292.00??Utilities: $187.00 ??Phone,$215.00 cable,$68.00 internet: $ 35.00??Food,$600.00 entertainment: $50.00??Clothing,$100.00, household expenses $250.00, ??Credit cards $120.00 and other loans: $782.00??Other expenses: $98.00

Home Repair/ Debt Consolidate

Purpose of loan:
This loan will be used to pay down some debt as well as repair a barn roof?

My financial situation: I am employed, make good pay, but have have unexpected repair expenses that require immediate action and a bit of high interest credit card debt.
I am a good candidate for this loan because I am mature, responsible and repay my debt in timely manner.

Credit Card Consolidation

Purpose of loan:
I will use this loan to payoff two high rate credit cards.

My financial situation:
My credit is excellent, been on the job almost 7 years, had a friend tell me about Prosper and I thought it would be great?having my credit card debt transfered to a fixed installment payment.

Monthly net income: $ 7421

Monthly expenses: $
??Housing: $ 1721
??Insurance: $ 96
??Car expenses: $ 134
??Utilities: $ 167
??Phone, cable, internet: $ 98
??Food, entertainment: $ 210
??Clothing, household expenses $ 326
??Credit cards and other loans: $ 924.
??Other expenses: $ 109

Q: Hi: what is your job and how stable is your position? Thanks. - courteous-bazaar

A: Been working for the same company for years, I am a estimator. (Nov-22-2010)

Paying down my credit accounts.

Purpose of loan:
This loan will be used to pay down my high interest credit accounts.? Saving to buy my first (and last) home.

My financial situation:
I am a good candidate for this loan because of my consistent and ontime payment history and income.

Monthly net income: $ 3000.00? (apx)

Monthly expenses: $?2110.00 ??
??Housing: $ 790.00
??Insurance: $ 70
??Car expenses: $ 300
??Utilities: $ 35
??Phone, cable, internet: $ 130
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $ 100

Q: I am bidding on YOU. I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You

A: I can make that promise to you and all who assist me with this. I take borrowing money very serious and didn't spend the last ten years cleaning up my credit and establishing a good pay record to loose it all now. My final goal is to own my own home and have everyone paid off before kicking that proverbrial bucket. And you will all be happy to know the women in my family live a long long time. So please be assured, I am sincere. This will be paid back. And I believe in paying it forward. (Nov-27-2010)

Q: Hi, How much are your total credit accounts? How much could you save for your first home purchase? Thanks, - p2ploan-sensation211

A: Hello. I figure 4000 (apx) on cards and balance toward downpayment for an fha loan. I already have paperwork started and the rest of the down saved. Thank you. (Nov-28-2010)

Medical Bill/Debt Consolidation

Loan Purpose:
This loan will be used to pay off several medical bills and one credit card account.? Over the last year, my employer has changed health insurance to a plan not as good as we had before, as well as with much higher deductibles.? We now have various medical bills in excess of $5000 which are not covered, and thus have created 4 separate payment plans which total approx. $444/month.? I would like to pay these off all at once.? In addition, I have a credit card balance I'd like to pay off of approx. $2500 w/monthly payment around $100. Both debts combined equal $544/month.? A payoff with Prosper at $327/month would be saving $217/month and consolidate into an easier payment.

Financial Situation:
I'm a good candidate for this loan because I've had a secure job in my industry since 1991, with steady income and only out of work for 3 months in 1996.? No instability since.? My PAST credit issues are solely due to a divorce in 2002, after which resulted in about a 3 to 4 year financial recovery (I also have a child). I've been building upward ever since. I've worked hard to improve my credit and finances (SURPRISINGLY, I have no idea why Prosper lowered my credit profile since last time as I have NO late or missed payments on any accounts for the last 3 years)....I check my credit regularly and as recent as a month ago with NO negatives... the CURRENT delinquency that shows is explained by a prior issue with one of my ex-wifes accounts of which I had no idea my name was on until more recently, and apparently it's still not resolved after 2 attempts to do so.? I am EXTREMELY serious about continuing my path forward and NOT going backwards undoing what I've worked hard to recover.

NET MONTHLY INCOME:$4600

MONTHLY EXPENSES:
Mortgage, Insurance, Utilities:$1778
Auto:$500
Communications:$150
Credit/Loans:$575
Medical Bills:$444
Misc./Entertain:$300
Other:$275

Thanks to ALL who can help with my goal!

Consolidate debt

Purpose of loan:
This loan will be used to consolidate current debt.

My financial situation:
I am a good candidate for this loan because I have very sound employment and have always paid my bills/expenses on time. My current credit score is blemished due to a recent divorce; it is my priority to make a recovery of this. The loan that I am looking to get financed through Prosper is my approach to becoming debt free and get back on track financially in hopes to purchase my first house within the next 3 years. Thanks for your consideration.

Monthly net income: $3,325

Monthly expenses: $2,089
Housing: $1,200
Insurance: $121
Car expenses: $235
Utilities: $85
Phone, cable, internet: $28
Food, entertainment: $245
Clothing, household expenses $125
Credit cards and other loans: $0
Other expenses: $50

Two PriorLoans: both PAID on time!

Purpose of loan:
This loan will be used to?
Been driving a 1999 auto that is now on it's last legs!? Found a very nice late model used car to replace it
My financial situation:
I am a good candidate for this loan because? Income has gone up quite a bit in the past two years. Two Prosper loans: one fully paid and the other will be paid off in February, 2011.? Paid on time and I am a GREAT risk for you to make money on so PLEASE invest in me!

Monthly net income: $ 8,000+????

Monthly expenses: $
??Housing: $ 705????????
??Insurance: $ 416
??Car expenses: $?0
??Utilities: $ 225
??Phone, cable, internet: $ 134
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 428
??Other expenses: $ 0

Q: I'm impressed that your credit score increased over 100 pts. Why were you late on your loan 6 times? Why do you have so many current delinquents? - Dollars4Rent

A: I was the victim of identity theft and this caused some problems with both my checking accts for 9 month - one year. The late pmts on the loans were only for a few days (bank was looking at EVERYTHING coming through and put holds on them until they were released). I don't have any current delinquents and haven't for over 6 months. Thanks for your question! (Nov-23-2010)

Q: What type of sales are you in? Do you work for a large company and what are their main items sold. Thanks- - diversification-maple1

A: Insurance: commer. and indiv. Work for a independent insurance agency with 6 locations across my state. I work with families and businesses on indiv. coverges / business insurance.....Business is GREAT!!! (Nov-24-2010)

Finishing my renovations

Purpose of loan:
This loan will be used to? I need to finish up the renovations of my so i can put my house up for sale

My financial situation:
I am a good candidate for this loan because? I have a very good credit and i always pay my bills on time. i have two jobs and work 7 days
a week.

Monthly net income: $4500.00 to 5500.00 per month

Monthly expenses? $3200.00
??Housing: $ 2350.00
??Insurance: $ 350.00 every 6 month
??Car expenses: $ 0
??Utilities: $ 0 my son pays my utilities
??Phone, cable, internet: $ 0 my son pay the utilities
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 700.00
??Other expenses: $ 0

NEED TIRES AND AUTO REPAIRS

Purpose of loan:
This loan will be used to?
I need to buy some tires and do some auto repairs before the snow starts flying. I drive 40 miles one way to work and as of right now I am doing so on tires that are all but bald.
My financial situation:
I am a good candidate for this loan because...
A good credit rating is important to me. I always pay my bills on time in order to mantain that credit rating. I know that I have a high utilization of bankcards right now, but those are being paid down as quickly as possible. We had some unexpected medical bills, that the insurance wouldn't cover, so we had to turn to the cards to cover them. I know that I could use one of the credit cards to buy tires, but I really don't want to use them again if I don't have to. I plan on closing out all but one of the cards once they are paid off. The one that I decide to keep I plan on having the credit limit lowered on it as well. I would also like to add that,?between myself and my wife, we have enough in retirement savings to cover the majority of what we owe right now, but we choose not to go that route, because of the whole tax racket that it would involve.

Monthly Income: $?
I know that Prosper only wants my income, however this loan will be a joint effort between myself and my wife. I only stated my income to get this far however, I am going to list both incomes here for all investors to see.

My most recent gross $1472.06
My most recent net $1268.62
My Wife's most recent gross $3169.71
My Wife's most recent net $2324.66

Monthly expenses: $
??Housing: $ 461.00 (Includes taxes and insurance)

??Insurance: $ 165.00 (Three vehicles full coverage)

??Car expenses: $ 100.00 (This is for myself only)

??Utilities: $ 120.00 (Electric, water, gas, trash)

??Phone, cable, internet: $ 125.00 (This amount is going to be reduced to around $60.00 once we cut?the cable back to basic and dump our monthly cellular bill for prepaid phones.)

??Food, entertainment: $ 300.00 (We are very frugal with our food budget. We shop mainly at discount grocery stores and we usually take full advantage of any coupon specials, especially the double coupon deals. We very rarely spend money on entertainment, such as movies, concerts, etc., because we feel that, for the most part, it is a complete waste of hard earned money. I am not saying that we never go out, just that it is not a regular occurance.)

??Clothing, household expenses $ 100.00?(This pretty much covers everything else that is needed. We don't rush out and spend big money on the lastest and greatest fashions and trends.)

??Credit cards and other loans: $ 550.00

working capital to finish project

Purpose of loan:
This loan will be used to?finalize our?first project in Marion, Ind.? Business plan and other info available for review at anytime.?

My financial situation:
I am a good candidate for this loan because of my past history, the strength of the project, and the ability to grow the company exponentially
We do own our home and have owned our home for the past 12 years.? Loan payments set up on direct withdrawal and I have never bounced
a check.
Monthly net income: $ 6000.00 + net

Monthly expenses: $
??Housing: $ 2005.56
??Insurance: $?150.00
??Car expenses: $?150.00 (Gas)
??Utilities: $ $300.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 0.00

Q: Is the company currently generating any revenue and, if so, are you turning a profit yet? - orange-impartial-asset

A: No, we are pre-revenue. But, we are using a commercially proven process that converts mixed waste plastics into oil (commercial plant running 24/7, producing and selling all oil); the licensor provides us with take out contracts for all production and we have waste streams under contract. First (of three) facilities will be in Marion, financed 100% with GO bonds issued by the development authority. (Nov-30-2010)

Q: As a chemical engineer, I would be interested in some more information on your business plan & the specific process; could you send it to me via email? If so I'll include my address in a subsequent question. Thank you. - benefit-banshee

A: I will be happy to send you our business summary and power point presentation. If you want further detailed information I would require a mutual NDA to be signed. (Dec-02-2010)

Q: After you finish this project. What capital can you pick up for being in the green business. You are taking wast and making a product to seal can you pick up any carbon credits? - USFoundation

A: We qualify for certain tax credits at this time and we have be able to get a bill passed by the house that would allow us to utilize a diversion credit; we are working on carbon credits also. (Dec-02-2010)

Q: Without giving away any proprietary information can you provide some more information on this conversion process and the licensing agent. - usaUmp

A: The process converts mixed waste plastics into oil via low temperature gasification. The first commercial facility has been in production for a long time and produces a very high quality parafinic oil. All production is pre-sold under medium term contracts to US refineries. If you want further detailed information I will be happy to forward all information after you sign a mutual NDA. (Dec-02-2010)