TORRANCE TRIBUNE June 16, 2016 Page 3 Finance People Are Discovering A New Way To Boost Their Portfolio to invest in a number of different loans in order to build a diverse portfolio and reduce risk. Risk-adjusted returns. Marketplace lending platforms provide a product that offers competitive return rates relative to other investment products. Investors can choose to peruse the marketplace lending website manually to find the loans that match their risk tolerance. They can also use a tool available on some of the marketplace lending sites that will run a search to help the user easily invest in the specific type of loans they are looking for. Positive social impact. P2P lending is not only a way to strengthen your financial plans, it offers real benefits to individuals and the community. Prosper Marketplace recently conducted a study and found that over 60 percent of Americans have credit card debt and two-thirds are going deeper into debt by not paying them off in full. With so many Americans struggling with debt, it’s no surprise that marketplace loans are becoming a popular option for debt consolidation. Individuals can invest in this debt knowing that marketplace lending platforms leverage technology to assess risk and determine a credit rating. The following disclaimer can be used to clarify the 6.8 percent return mentioned under the “Proven results” section: Estimated returns are calculated by taking the weighted average borrower interest rate for all loans originated during the period, adding (ii) estimated collected late fees and post charge-off principal recovery for such loans, and subtracting (iii) the servicing fee, estimated uncollected interest on charge-offs and estimated principal loss on charge-offs from such loans. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary and projections can change. Past performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note. • Data from March 5 - March 14, 2016 (BPT) - As a volatile market sends ripples through the global economy, many investors are worried about how events overseas will impact their portfolio. In addition, concerns about political instability in much of the world have contributed to a heightened sense of worry and stress among investors. However, while the risks in traditional markets are real, 2016 is full of opportunities for the investor who is willing to think a little differently. In the face of these uncertainties, the standard advice is for investors to diversify their portfolio. Many have been doing this by taking money out of their dividend-paying stocks and corporate bonds and investing in marketplace lending. Marketplace Lending Marketplace lending platforms, sometimes called peer-to-peer (P2P) lenders, are online marketplaces that connect credit-worthy borrowers with individuals seeking investment opportunities. This gives individual investors low-cost access to high-yield consumer loans - an attractive new asset class that was previously only accessible to large institutions. As an alternative investment strategy, investing in marketplace loans has helped investors diversify their portfolio. Early investors discovered five secrets that are still the keys to understanding why more people are choosing to diversify their portfolios through marketplace lending. They are: Proven returns. Individuals who invest through Prosper, a leading marketplace lending platform, can earn an estimated 6.8 percent in returns. Simple and fast. Investors go through an authorization process on a marketplace lending website to link their profile with their bank, or do a money transfer, in order to establish bank or institutional credentials. The process can be completed within a short period of time, allowing people to start investing in a matter of days. Reduced risk. With marketplace lending, investors can diversify by investing in many different loans (in $25 increments). Many choose Father’s Day Fun at The Point From the chill to adventurous, on Saturday, June 18th & Sunday, June 19th, The Point will house all you need to find that perfect Father’s Day gift, cherish your dad’s unique personality, and find the way to his heart through a food-filled weekend! On Saturday, June 18th from 2:00PM to 5:00PM, The Point shops will be offering in-store specials to help you find that perfect gift for dad. Plus, The Point’s open-aired plaza will be graced by steel drum band, Calypso Compromise. For the dad who enjoys a day on the green, perfect his summer look at Kit and Ace to keep him playing like a pro. Enjoy complimentary beer tastings, a specialty branded Kit and Ace golf ball, and the chance to enter an in-shop raffle to win a special Father’s Day basket filled with Kit and Ace gear, branded golf balls, and a round of golf at the Trump National Golf Course in Rancho Palos Verdes! Stroll into prAna to find some outdoor wear for every summer adventure dad has planned, and take 20% off your entire purchase. Enjoy some specialty beers while searching for the perfect Father’s Day gift for dad’s wild side. For the dad looking to add a modern edge to his closet, stop by Michael Stars for an exclusive 40% off men’s styles. Sip on complimentary beer and wine while you shop! Celebrate him with a classic Bento Box from Sugarfina, featuring a decadent collection of dark chocolate and booze flavored candies. Or unlock personal creativity by building a unique 8-piece Bento Box with dad’s favorite sweet treats. Curb dad’s hunger at ShopHouse, where they will be offering dads a bowl on them Saturday and Sunday from 10:30AM to 10:00PM! Looking for something to do the day of? Stop by The Point on Father’s Day, Sunday, June 19th to find the way to dad’s heart through his stomach with sweet treats and smashing eats! Make a quick pit stop at either ShopHouse to grab dad a free bowl or Smitten to make time with dad a little bit sweeter. Smitten is bringing a little extra “spirit” to Father’s Day this year! For the first time ever, they will be serving Whiskey Chip ice cream – a boozy flavor sure to make him feel like the best dad ever. The flavor will be on the menu starting Friday, June 17th, but stop by anytime from 2:00PM to 4:00PM on Sunday, June 19th for a complimentary taste of Whiskey Chip. The Counter®, the neighborhood spot for create-your-own burgers on buns or over fresh greens, reprises its annual BFD Father’s Day offer to celebrate the Big F---ing Deals out there. Any guest who announces to his/her server, “My Dad is a BFD” (with dad present, of course) will receive one standard 1/3-pound burger. Whether he’s a man of simple tastes or an adventurous eater, The Counter®—offering a million-plus possible combinations—will have something for the man of the hour. One per Dad with paying guest. Dine-in only on Sunday, June 19, 2016. Whether your celebrating dad’s wild, sweet or savory side, The Point has everything you need to tailor your weekend to the extra special man in your life! Provided by The Point in El Segundo • Police Reports Auto Theft-All 6/4/2016 9:00:00 PM 1700 BLOCK GRAMERCY AVE Stolen vehicle: ‘92 Nissan Pathfinder Battery-Weapon/Agg 6/4/2016 7:30 PM 5100 BLOCK TORRANCE BLVD Suspect grabs victim’s neck and arm and pushes him against a vehicle Battery-Simple 6/4/2016 7:12 PM 17500 BLOCK CRENSHAW BLVD Suspect puts victim in choke hold, strangling her Burglary-Auto 6/4/2016 6:30:00 PM 1900 BLOCK 190TH ST Suspect(s) smashes window for entry and takes property/backpack, garment bag Auto Theft-All 6/4/2016 4:30:00 PM 3600 BLOCK ARTESIA BLVD Stolen vehicle: ‘94 Toyota Paseo Burglary-Residential 6/4/2016 4:00:00 PM 19900 BLOCK REDBEAM AVE Suspect(s) smashes window for entry, ransacks and takes property/can of pepper spray, flashlight, jewelry Auto Theft-All 6/3/2016 8:55:00 PM 1800 BLOCK SANTA FE AVE Stolen vehicle: ‘96 Honda Accord Theft 6/3/2016 5:00:00 PM 2600 BLOCK PACIFIC COAST HWY Suspect(s) defeats lock and takes property from locker/jeans, keys, jewelry, wallet Theft 6/3/2016 3:20:00 PM 20700 BLOCK ANZA AVE Suspect(s) takes unattended property from table/warming bag, pizzas Vandalism 6/3/2016 11:45:00 AM ARTESIA BLVD & I 405 FWY Suspect hits victim’s vehicle with his hand, causing a dent Burglary-Auto 6/3/2016 11:00:00 AM 21400 BLOCK HAWTHORNE BLVD Suspect(s) smashes window for entry and takes property/tablet Burglary-Auto 6/3/2016 10:38 AM 100 BLOCK VIA LA SOLEDAD Suspect(s) enters unlocked vehicle, ransacks and takes property/wallet. Auto Theft-All 6/3/2016 10:20 AM 5600 BLOCK CALLE MAYOR Stolen vehicle: ‘04 Jeep Cherokee Auto Theft-All 6/3/2016 10:15:00 AM 3300 BLOCK LOMITA BLVD Stolen vehicle: ‘98 Dodge P/U Burglary-Auto 6/3/2016 10:00:00 AM 4400 BLOCK CALLE MAYOR Suspect(s) takes property from bed of truck/leaf blower Burglary-Auto 6/3/2016 9:00:00 AM 21400 BLOCK HAWTHORNE BLVD Suspect(s) defeats padlock and takes property from cargo area/shoes Auto Theft-All 6/2/2016 10:30:00 PM 24200 BLOCK HUBER AVE Stolen vehicle: ‘13 Toyota Rav4 Burglary-Auto 6/2/2016 10:30:00 PM 400 BLOCK CALLE MAYOR Suspect(s) enters possibly unlocked vehicle, ransacks and takes property/purse Burglary-Auto 6/2/2016 4:30:00 PM 21500 BLOCK HAWTHORNE BLVD Suspect(s) forces open window for entry and takes property/third row seat Battery-Weapon/Agg 6/2/2016 3:40:00 PM 2500 BLOCK SEPULVEDA BLVD Suspect accelerates his vehicle toward victim, hitting him and causing injury Auto Theft-All 6/2/2016 9:00:00 AM 3300 BLOCK PACIFIC COAST HWY Stolen vehicle: ‘14 Mercedes Benz E350 Auto Theft-All 6/2/2016 8:40:00 AM 2000 BLOCK 190TH ST Stolen vehicle: ‘08 Cadillac Escalade Auto Theft-All 6/2/2016 7:28 AM 3600 BLOCK SPENCER ST Stolen vehicle: ‘15 Yamaha M/C Burglary-Commercial 6/1/2016 8:30:00 PM 3000 BLOCK FUJITA ST Suspect(s) pries door for entry and takes property/computers, TV, cash Vandalism 6/1/2016 18000 BLOCK CRENSHAW BLVD Suspect(s) shoots BB at residence glass door, smashing same Theft 5/31/2016 11:35 AM 3400 BLOCK AIRPORT DR Suspect(s) siphons fuel from fuel truck •
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