On today’s Consumerism Commentary Podcast, Tom Dziubek speaks with Renaud LaPlanche, co-founder and CEO of LendingClub and Rob Garcia, senior director of product strategy for the same company. The LendingClub teams discusses the benefits and drawbacks of peer-to-peer lending as an alternative to the traditional banking system. Also in today’s episode, Flexo and Ton Dziubek discuss Unsubscribe here. | 
![Unsubscribe here](http://www.consumerismcommentary.com/2008/06/19/the-benefits-of-target-retirement-funds/">target date funds</a>.</p> <p>Production Number: S02E05<br /> Segment Numbers: 42, 44</p> <p>To listen, use the player above (<a href="http://www.adobe.com/flash/" target="_blank">Adobe Flash</a> required), <a href="http://www.consumerismcommentary.com/audio/podcast-031-lending-club-target-date-funds.mp3">download the podcast here</a>, <a href="http://www.consumerismcommentary.com/feed/podcast/">subscribe to the podcast RSS feed</a>, or use the <a href="http://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?id=314121505">iTunes link</a>. <strong>Note:</strong> open links in a new window (Ctrl-click or Command-click) to avoid interrupting the podcast.</p> <p><strong>[00:00]</strong> Introduction from Flexo<br /> <strong>[00:37]</strong> Interview with Rob Garcia and Renaud LaPlanche<br /> – <strong>[00:57]</strong> Peer-to-peer lending<br /> – <strong>[02:16]</strong> Prospective and typical peer-to-peer borrowers<br /> – <strong>[03:49]</strong> Lending Club’s borrower screening process<br /> – <strong>[04:37]</strong> Lending Club’s investor protection<br /> – <strong>[05:33]</strong> Risks for investors<br /> – <strong>[06:25]</strong> How to invest with Lending Club<br /> – <strong>[08:04]</strong> Returns for investors<br /> <strong>[09:23]</strong> Interview with Flexo about target date funds<br /> – <strong>[09:39]</strong> Introduction to target date funds<br /> – <strong>[10:45]</strong> Benefits of target date funds<br /> – <strong>[12:30]</strong> Drawbacks of target date funds<br /> – <strong>[14:27]</strong> Are there guarantees?<br /> – <strong>[15:36]</strong> Costs of target date funds<br /> – <strong>[17:05]</strong> SEC regulation of target date funds<br /> – <strong>[19:25]</strong> What happens when the funds mature<br /> – <strong>[20:26]</strong> The SEC and fund fees<br /> <strong>[21:48]</strong> End</p> <p>We always welcome feedback from listeners. If you have any comments for this episode or for any other, or if you have suggestions for future episodes, please leave us comments here or email us at <em>podcast</em> at this domain name.</p> <br /><div><img src="http://www.consumerismcommentary.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br /><a target="_blank" href="http://www.gdstarrating.com/"><img src="http://www.consumerismcommentary.com/wp-content/plugins/gd-star-rating/gfx/powered.png" border="0" width="80" height="15" /></a><br /><p>The <a href="http://www.consumerismcommentary.com/pod/">Consumerism Commentary Podcast</a> is in full swing with new episodes every Sunday. Listen and subscribe now!<br/><br/><a href="http://www.consumerismcommentary.com/2009/11/22/podcast-31-peer-to-peer-lending-target-date-funds/">Podcast 31: Peer-to-Peer Lending and Target Date Funds</a></p> <p><a href="http://feedads.g.doubleclick.net/~a/iDspdR1ZH62FI4dCvzomhILww-U/0/da"><img src="http://feedads.g.doubleclick.net/~a/iDspdR1ZH62FI4dCvzomhILww-U/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/iDspdR1ZH62FI4dCvzomhILww-U/1/da"><img src="http://feedads.g.doubleclick.net/~a/iDspdR1ZH62FI4dCvzomhILww-U/1/di" border="0" ismap="true"></img></a></p><div> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:D7DqB2pKExk"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?i=NlK5f4wPu4Q:P1l4njY0Tbo:D7DqB2pKExk" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:V_sGLiPBpWU"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?i=NlK5f4wPu4Q:P1l4njY0Tbo:V_sGLiPBpWU" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:F7zBnMyn0Lo"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?i=NlK5f4wPu4Q:P1l4njY0Tbo:F7zBnMyn0Lo" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:qj6IDK7rITs"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?d=qj6IDK7rITs" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:cGdyc7Q-1BI"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?d=cGdyc7Q-1BI" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:69LSlcDtVW8"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?d=69LSlcDtVW8" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/ConsumerismCommentary?a=NlK5f4wPu4Q:P1l4njY0Tbo:I9og5sOYxJI"><img src="http://feeds.feedburner.com/~ff/ConsumerismCommentary?d=I9og5sOYxJI" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/ConsumerismCommentary/~4/NlK5f4wPu4Q" height="1" width="1" /></td> </tr> <tr> <td style="background:#ebebeb; border:#b0b0b0 1px solid;margin:1em auto;padding:1em;"><strong>Media Files</strong><br/> <a href="http://www.consumerismcommentary.com/audio/podcast-031-lending-club-target-date-funds.mp3">podcast-031-lending-club-target-date-funds.mp3</a> (MP3 Audio, 19.1 MB)<br/> </td> </tr> <tr> <td height="25"> </td> </tr> </table> <img src="http://www.feedmyinbox.com/messages/read/6906710/a7e9d4cfd70246874703057d0b3887c84d846580/"/> </td> </tr> </table> <br> <table width="100%" border="0" align="center" cellpadding="0" cellspacing="0" style="background:#ebebeb; border:#b0b0b0 1px solid;"> <tr> <td><center> <p style = "color:#888888; margin:15px 0 15px 0; font-size:11px;" id="bottom-msg">This email was sent to <b><font style="text-decoration:none; color:#888888;"> carpenter.autoblog@gmail.com</font></b>. <a href="http://www.feedmyinbox.com/members/accounts/login/" style="color:#011c9f; text-decoration:underline;">Manage Your Account</a> <br/>Don){kind=link}
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