I am running a poll over the next few days to allow you to decide where I invest my next $500. The options are various P2P lending sites including Prosper, Lending Club, and Zopa. The alternative choice is to invest in the total stock market index. So which investment should I take?

Before investing money in Prosper or Lending Club Loans, I decided to list several reasons to not invest in P2P loans. Where should I reasonably put my money first – before P2P lending? I am in the process of funding my Lending Club account, so I decided to make a quick check list [...]