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An Investment Better Than Your Last Birthday Present

Earlier this month, Maryland — my home state — finally joined the future of banking and allowed citizens to invest through Lending Club.
That makes 45 states and the District of Columbia where residents can invest in loans through Lending Club. If you include Prosper — another online portal for investors to lend directly to borrowers — nearly every American now can take over the role, and the profits, of a bank.

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