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November 05, 2007 - Image 7

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The Michigan Daily, 2007-11-05

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The Michigan Daily - michigandaily.com

LOANS
From page 1A
transactions. This fall, the Lending
Club also launched a public, inde-
pendent website offering the same
services.
The company profits from
all of its loans by charging a 1
percent processing free on all
borrowing and lending transac-
tions.
Renaud Laplanche, founder and
CEO of the Lending Club, said his
company's network-based lend-
ing services will cultivate bonds
between borrowers and lenders,
which will make borrowers feel
more compelled to repay their
loans.
"As a person-to-person lender,
we're creating a network where
people will feel connected while
also reinforcing accountabil-
ity on the part of the borrower,"
Laplanche said,
To use the Lending Club, bor-
rowers submit loan requests,
which the company matches
a with lenders from similar social

networks or communities. Often
times multiple lenders will be
matched to fund a single loan
request.
For example, Laplanche said
a $5,000 loan request could be
matched with 50 separate lenders
all contributing $100.
The Lending Club's website
lists its borrowing rates at about 7
percent and lending rates at about
12 percent.
According to the its website,
the company doesn't guarantee
any of its loans.
Sigler said the Lending Club's
social network idea could help
University graduates take
advantage of resources other
alumni might be willing to
share.
"If you're a new graduate look-
ing to buy a new car or borrow
to have a down payment to buy a
house, this might be the kind of
program that would allow you to
do something like that in a way
that might be beneficial," Sigler
said.
Sigler said the Alumni Associa-
tion will continue to monitor the

development of the Lending Club.
"We'll see what the response
is and look at the possibility of an
expanded relationship going for-
ward," Sigler said.
Jeff Mirmelstein, who gradu-
ated from the University with a
bachelor's degree in business in
2005, said in an e-mail interview
that he thought the Lending Club
offers a good opportunity for
alumni looking to borrow but
isn't sure about the company's
lending rates and whether he
would use the company to lend
money.
"While the Michigan bond
- no pun intended - is a strong
one, the investments and loans
have to make financial sense,"
said Mirmelstein, who works
at an investment bank in New
York.
Ultimately, Mirmelstein said
when it comes to looking for a
loan, he would, above all, try to
find the lowest rate on the mar-
ket.
"If it's from a fellow Wolverine,
great," Mirmelstein said. "If not,
that's fine with me too."

ROMNEY
From page 1A
liani's have fallen.
Someone handed Romney a
Michigan State Spartans T-shirt,
which he held up for the crowd
before starting to shake hands.
A person in the crowd asked him
his prediction for the game.
"One of the Michigan teams is
going to win," he said, smiling.
People swarmed around him,
attempting to shake his hand or
take a picture.
A Michigan State fan walked
around the crowd yelling, "He's a
Spartan fan. All you Michigan fans
back away."
But Romney never made his loy-
alties clear. Someone near the back
of the crowd kept yelling "Blue or
Green?" Romney didn't answer.
LSA senior Amy Drumm, chair of
the University of Michigan chapter
of Students for Mitt Romney, which
helped organize the tailgate, said
she was hoping the event would
have been more of a joint tailgate for
Michigan State and Michigan fans,

but she said she was happy with the
turnout anyway.Aboutl15University
of Michigan students from Students
for Mitt Romney and the College
Republicans came to the tailgate.
Romney has strong ties to Michi-
gan. Hegrewup in Bloomfield Hills.
His father was governor of Michi-
gan from 1963-69, and his brother is
on the MSU Board of Trustees.
Romney, though, got his educa-
tion outside thestate. He hasdegrees
from BrighamYoung University and
Harvard Business School.
Just like elsewhere on the cam-
paigntrail, Romney's Mormon faith
was an issue in East Lansing.
A student wearing a Michigan
State T-shirt wandering past yelled
out, "I prefer my president to only
have one wife."
The student was referringto The
Church of Jesus Christ of Latter-
Day Saints's past support for plural
marriage. The church banned such
marriages in 1890. Mitt Romney is
married to Ann Romney, who also
grew up in Bloomfield Hills.
A cluster of students - some
from Michigan State and some
from the University of Michigan

Monday, November 5, 2007 - 7A
- milled near signs advertising
$2 tickets for a raffle of a football
signed by Michigan State football
coach Mark Dantonio and a basket-
ball signed by the Michigan State
basketball team. The proceeds ben-
efited the Michigan State College
Republicans. Most students wore
T-shirts and stickers supporting
Mitt Romney.
While the students waited for
Romney, a plane flew overhead with
a flag that read "Ron Paul for Presi-
dent '08." Paul, a Republican Texas
congressman mounting a long-shot
bid for the White House, drew a
large crowd to the Diag last month.
Seemingly out of nowhere, a
group of people appeared carrying
Ron Paul signs and stickers. They
stood in back of the crowd, holding
the signs over their heads. A man
in an Appalachian State sweatshirt
with a Ron Paul sticker on his back
attempted to engage the fringe of
the crowd in conversation.
"You can't silence freedom," he
said.
Romney worked his way through
the mass of people before veering
off to visit another tailgate.

the michigan daily
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Daily Classifieds
serving the UofM
yOU'Ve community for
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For Monday, Nov. 5, 2007
ARIES
(March 21 to April 19)
"It was Monday. It was Monday all
day." Life feels like that for you, espe-
cially at work. Co-workers are touchy.
This means you have to be patient.
TAURUS
(April 20 to May 20)
Romance can go south today. Be
patient with romantic partners and also
with children. Don't worry if plans for
vacations are dubious. Hang in there.
GEMINI
(May 21to June 20)
Power struggles with partners about
domestic matters are likely today.
However, you can use the same energy
to clean up clutter at home and make
things look better.
CANCER
(June 21to July 22)
You have wonderful ideas about how
to make improvements. Unfortunately,
others might not agree with you. They
might not even listen. (There are none so
deaf as those who are wearing head-
phones.)
ILEO
(July 23 to Aug. 22)
You might feel a bit obsessed about
trying to buy something today or, con-
versely, trying to earn money in a certain
way. You just can't shake your ideas
because you're convinced you're right.
VIRGO
(Aug. 23 to Sept. 22)
Your approach to anything today is a
bit obsessive-compulsive. You're like a
dog with a bone, and you can't let go.
Plus, you want to have your own way.
LIBRA
(Sept. 23 to Oct. 22)
You're determined to get to the bottom
of something. You might even think that
someone is keeping/a secret from you. If

so, you'll find out what it is.
SCORPIO
(Oct. 23 toNov. 21)
Friends and groups might be a bit
pushy today. (You're not impressed.)
However, be careful, because you might
be the one who is being pushy.
SAGITTARIUS
(Nov. 22 to Dec. 21)
Don't disagree with bosses, parents or
authority figures today. You will only
arouse more opposition to you. It's prob-
ably heal if you sit this one out.
CAPRICORN
(Dec. 22 to Jan. 19)
Avoid political and religious argu-
ments today. You're convinced you're
right, but so is the other party. No matter
how loud you shout, you'll just be talk-
ing to the hand.
AQUARIUS
(Jan. 20 to Feb. 18)
Others aren't willing to share today. In
lact, you're not willing to share much
either. People are too quick to draw a
ine in the sand. (Everyone is a bit rigid
today.)
PISCES
(Feb. 19to March 20)
Be patient with partners and close
friends. If you don't, you might have an
argument. Who wants this? You don't.
Therefore, cool your jets.
YOU BORN TODAY You have deep
feelings and inner powers. Although out-
wardly calm, you are very intense. You
have strong people skills and are an
excellent networker. You like intellectual
debates. In your late teens, you become
more optimistic about life. Your year
ahead will focus strongly on partner-
ships, both the beginning of things and
the end.
Birthdate of: Bryan Adams,
singer/photographer; Sam Shepard,
playwright/actor; Tatum O'Neal, actress.

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Parking available onsite
$5,495/mo.
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