Yeah that is a good way to look at it....more equity.I think i am both happy and disappointed on the report.Justin yes it.

You will be disappointed.  

@Gayle EisnerHere's why no one is talking about Merced:1) Ask someone from the Bay Area to point to Merced's location on a map... don't be surprised if the results are disappointing.

It can be hard work, with many disappointments and failures, most people cant hack that.

I am being cautious and have high expectation on return (if return does not hit $1k/month I am disappointed so my expectation is lofty).  

It's very disappointing where this post headed in.

But I was a little disappointed that there isn't some sort of junior level membership available, where I could get a little more experience, then upgrade if it goes well.  

You will not be disappointing.

And honestly it's been a roller coaster of excitement and disappointment.

I was expecting double-digit returns from Prosper, and am very disappointed with my low single-digit results.Prosper does issue an annual 1099 reporting earnings for my 401k, which I ignore for my tax filing.I would suspect that you could deposit personal funds into your 401k's Lending Club account and call it a contribution, but I would check with Mark Nolan to be sure.But it seems like to would be simpler and cleaner just to deposit the full $18K to your brokerage account and move funds into Lending Club from there.