Video: Love it or loathe it? - Zopa

you know, David talks in a tone that reminds me of the informational videos they show to children in school.

come to think of it, a lot of these videos are a bit like that... a wee bit patronising feeling... perhaps it's the autocue displaying instructions like

Or perhaps they just need to get accustomed to being video'd?

Additionally, the video was lagging horribly, leaving me on paused frames of David making all manner of faces at me while it buffered... I invite anyone to watch a video and randomly pause it and see what face they're pulling at that moment.

I'm a Zopa lender.  Yes, it's a strong product. However, please bear in mind that the historical returns of over 8% are simply not realistically achieveable. At the moment, you are not likely to be lending to A* borrowers at much over 7.5% if that.  Zopa will take 1% of that in fees (not unreasonable bearing in mind that they carry out stringent checks on potential borrowers).  Many lenders, myself included, believe that default rates are edging close to 1.5% - 2% at the moment, and it's not likely to improve in the near future. And you will of course be taxed on the interest that your investment earns. At the moment, I'd estimate that returns are  sort of around the top end of what you might make from several other types of investment.  I do it because Ilike lending to individuals and cutting our the banks. I really feel that I'm helping people. And the one peice of advice I would give is to spread the risk. By lending small amounts to many people you are less exposed to bad debt.