mertevinski

It is so easy for the 'bad guys' to carry a burner phone with fake google, Facebook, twitter, etc, accounts and log into them when requested. That way they don't have to refuse anything and there is nothing suspicious. This policy harms law abiding citizens and travelers but is completely ineffective when it comes to stopping criminals.

Peer to peer lending is the best thing I have found this year. You can get around 5 to 7 percent interest and you don't need a large amount of capital. With all the other financial markets so volatile right now this is a pretty solid rate of return. There are always risks of default that you will need to consider, but most platforms allow you to mitigate that with automated diversified portfolios.