Lights on, tv on, heat or a.c. on.The other half of the time I get a call from someone who just came into town or I give them a drug screen in the morning to get into the refinery. 

Assuming apples to apples comparisons, I am only considering the interest rate they offer, is this a mistake?

Apple) who have committed to taking back their products at end of life.

Said "No" to that.Have a TV show in the works now and penned 95% of profits to a good cause and the other 5% to go to my family. 

I think the impact would come from the loans that were previously modified at ridiculously low 2-3 percentage interest.It's hard to compare apples-to-apples without knowing which kind of notes the fund you're referring to is investing in (or creating)

I am not a CPA but I play one on TV...  

It's like  race cars; they look great on TV, but once you get close, you see all the dents, scratches, duct tape, rock chips, etc etc.

There will always be negativity around us, and if we let fear win over rational thinking we would never have successful companies like Google, Apple, Facebook, Amazon, etc. 

So far my POL investment (Tinley Park Sports Complex) has been performing as expected, but soon after doing that one (and a fix-and-flip on PeerStreet), it became clear that I would need a *lot* of capital to effecitvely diversify away the risk of any non-performing loans (it's not apples-to-apples, but this analysis from LendingRobot on diversification needed for P2P notes is helpful.)

You'll run across some bad apples, but it's been worth it to weed them out and build a relationship with the good ones.