Jump to content

User:Jukeboksi/Kitchenblog and Lists of alternative financial services: Difference between pages

From Consumerium development wiki R&D Wiki
< User:Jukeboksi
(Difference between pages)
VisualWikitext
+ === Asparagus with melted butter and grated cheese===
 
No edit summary
 
Line 1: Line 1:
This is the '''Consumerium list of [[w:alternative financial services|alternative financial services]] lists'''.


The Finnish language URLs http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.


=== Salmon and horseradish rye sushi bread ===
'''Spectrum of consumer finance''' by the lowest troll


2014-06-01
* [[w:Predatory lending|Predatory lending]] ->
::* [[w:Payday loan|payday loan]] ->
::::* Proletariat finance ->
::::::* [[w:Peer-to-peer lending|peer-to-peer loan]] ->
::::::::* Credit card debt ->
::::::::::* Bank loan


*[[Class]]: sandwich
----
*[[Preparation]]: couple of minutes
*[[Skill requirements]]: low
*[[Hardware]]: toaster
*[[Clean up]]: very easy
*[[Cost]]: medium
*[[Groups]]: [[Halal]], [[Kosher]]
*[[Main season]]: Any
*[[Performance]]: Yes.


* Take couple of [[rye bread]] halves and stick 'em in the toaster.
'''What is alternative finance? What are alternative financial services?'''
* Butter them.
* Put plenty of [[gravad lax]] ( salted salmon kept in a fridge under wraps and weigh for a 1 - 1.5 days or more if you didn't put much salt on it )
* Put plenty of [[horseradish]] paste
* Enjoy while warm.


Had this yesterday.. It's very much like salmon nigiri sushi with wasabi. --[[User:Juboxi|Juboxi]] ([[User talk:Juboxi|talk]]) 16:47, 1 June 2014 (EEST)
{{Q|'''Alternative Finance''' refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through 'online marketplaces' are reward-based [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}


{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.


===Juboxi's Petit Maman's sour lactarius Xmas salad===


*[[Class]]: dish
----
*[[Preparation]]: about half an hour
*[[Skill requirements]]: low
*[[Hardware]]: [[glass dish]], [[spatula]]
*[[Clean up]]: medium
*[[Cost]]: medium
*[[Groups]]: [[non-vegan]], [[vegetarian]], [[Halal]], [[Kosher]]
*[[Main season]]: any time since it's made from brine conserved salt mushrooms
*[[Performance]]: Zupa-yummy


'''Peer-to-peer lending, peer-to-peer investing and socially responsible investing '''


* 5 dl of [[salt mushrooms]] ( [[w:Lactarius]] ) in brine. Drain and chop. Brine may be useful.
{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.|Wikipedia|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}
* 1-2 [[onion]]s chop finely
* 120g [[smetana]]
* 200g ( low-fat ) [[sour cream]]
* 2 spoons of [[lemon juice]]
* 2 tbs [[sugar]]
* salt 'n pepper to taste


* Mix and serve cool
{{Q|'''Peer-to-peer investing''' ('''P2PI''') is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}


===Salmon and broccoli boiled in cream and stock===
{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}


*[[Class]]: main course
{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}
*[[Preparation]]: about 1 hour
*[[Skill requirements]]: low
*[[Hardware]]: [[knife]], [[oven]], [[oven pan]]
*[[Clean up]]: long
*[[Cost]]: low to medium
*[[Groups]]: [[non-vegan]], [[non-vegetarian]]
*[[Main season]]: Cheap broccoli
*[[Performance]]: One who thinks that the best broccoli can be is a mere "'k" hasnt tried this


*Put the [[salmon]] fillet(s) in the oven pan
{{Q|An '''[[w:ethical bank|ethical bank]]''', also known as a '''social''', '''alternative''', '''civic''', or '''sustainable bank''', is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}
*Cut the [[broccoli]] into small, mouth-sized or bigger buds and place around ( and on top ) of the salmon
*Cut [[onion]]s into 1/8ths ( halve, halve, halve ) and place in oven pan
*Add high-fat [[cream]] ( I used 30% ) and [[vegetable stock]] 1:1 untill broccoli buds are submerged
*[[Salt]] & [[black pepper]] to taste
*Pan goes into 200C oven. In about 25-30 minutes or so the cream&stock will be boiling.. 20-25 minutes after this and it's ready
*The lovely salmon fat and the fat of the cream makes the broccoli buds irresistible
*Serve with rice or pasta or potato mash
*This recipe is dedicated to all who've contributed their time and effort to development of FOSS


----


===Consu-stew===
''' Microfinance and microcredit '''
'''Note:''' This is the only word begining with "Consu" recognized around here.
*[[Class]]: Generic food
*[[Preparation]]: 20-40 minutes
*[[Skill requirements]]: low
*[[Hardware]]: [[knife]], [[stove]], [[frying pan]], [[pan]]
*[[Clean up]]: very fast
*[[Cost]]: very low
*[[Groups]]: [[halal]], [[kosher]], [[vegan]], [[vegetarian]]
*[[Main season]]: Rice and Onion season
*[[Performance]]: Generic food


*Boil [[rice]] in [[water]] with [[salt]]
{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}
*Chop [[onions]] and fry on low heat with as much [[oil]] as you can afford untill translucent
*When the water has evaporated from the rice mix with onions on the pan
*If you can locate [[garlic]], [[bouillon]] ([[broth]]), [[chili]]s, [[tomato]], [[black pepper]], [[meat]], [[fish]] or some other edible stuff throw it in, '''but not [[cheese]]'''.
*Do not burn the garlic


25.11.2004
{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}


I've been eating this for two days in a row now
:: More reading [[w:Impact of microcredit|Impact of microcredit]]


----
----
''' What is APR, why does it matter? '''
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}


===Peeling a garlic glove in a matter of seconds===
{{Q|[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}


Peeling a glove of [[garlic]] can be done in a matter of seconds by first removing the hard bit at the bottom and then placing a cook's knife on top of the glove sideways and hitting the knife ever so slightly just to break the structure (not squashing it completely helps you get the peel in almost one piece) and the peel practically falls off
{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|law regarding advertisement of loans}}
 
* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.


----
----


8.10.2004
= Consumerium list of alternative financial services lists =
 
 
== Socially Responsible Investing ==
* https://www.lendahand.com/  is an online impact investing platform where socially conscious investors can invest in entrepreneurs and sustainable
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. It provides P2P microcredits in 82 countries - Their slogan is "To connect people through lending to alleviate poverty"
* https://www.openinvest.co/ is a [[w:Public-benefit corporation]] offering a platform for making [[w:Socially responsible investing|socially responsible investments]] in USD.
* https://www.swellinvesting.com/ offers [[w:impact investing]] services in USD.
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)] is a non-profit organization offering P2P microcredit services and operates with PayPal payments. It does not lend directly to the receiver of the loan, but instead a bank. The microcredit offered by the investors is used as collateral for the bank resulting in the bank effectively loaning almost double the amount of money invested by the investor.
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] is a non-profit P2P microcredit platform for investing in Africa and Asia. It is the first international P2P microcredit platform ever created.


===Mushrooms in cream & dijon sauce===
== Cryptocurrency based P2P lending services ==
* https://www.bitbond.com - Global [[w:bitcoin|bitcoin]] (BTC) based P2P lending initiatives in emerging countries.
* http://www.pointninecap.com/bitbond - BTC based SME funding
* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] -  BTC based P2P loans
----


*[[Class]]: main course
== Multiple countries / currencies ==
*[[Preparation]]: 30-40 minutes
* https://www.twino.eu/ is P2P lending service operating in the EU, Latvia, Poland, Russia, Georgia, Denmark, Spain and Kazakhstan. The site is available in English, German and Latvian.
*[[Skill requirements]]: low
*[[Hardware]]: [[knife]], [[stove]], [[frying pan]]
*[[Clean up]]: long
*[[Cost]]: low to medium
*[[Groups]]: [[non-halal]], [[non-kosher]], [[non-vegan]], [[non-vegetarian]]
*[[Main season]]: Mushroom season
*[[Performance]]: munchy if you like mushrooms


*Put the pan on maximum heat and add oil
= Africa =
*Toss in lots of [[mushroom]]s (chantarels and something else was what I used). You can fill the pan to the brim or even over, they'll shrink to a third or fourth of the volume when you boil out the water. Don't cut the mushrooms as they will shrink a lot.
== Nigeria ==
*Stir the mushrooms occasionally while on max heat. Toss in some salt when the water starts to come out of the mushrooms
* https://www.farmcrowdy.com/ facilitates P2P lending to small farmers in Nigeria
*While mushrooms are in the pan chop up some [[onion]]s (2-3) and [[bacon]] (100 grams or so) and throw them in.
* https://www.cloudfarmfunds.com/ facilitates farmers empowerment and enriching its funders in Nigeria
*When the onions are sweet and the bacon is semi-crunchy throw in [[black pepper]]. Put plenty of pepper since the [[cream]] will take lot of the edge off.
*Put 2dl of [[cream]] and a couple of teaspoons of [[dijon mustard]] in a mixer and mix (I used 4 plentyful spoons, maybe a little over the top but not badly)
*Pour the cream-dijon mix stirr and bring the sauce to low-boil
*Stir constantly for a couple of minutes and serve with [[potatoe]]s of your choice


----
----
17.2.2004


===Fried potatoes with white beans===
= Asia =
*[[Class]]: main course
 
*[[Preparation]]: 30-40 minutes
== Australia ==
*[[Skill requirements]]: low
=== List of P2P financial services in Australia ===
*[[Hardware]]: [[knife]], [[stove]], [[frying pan]], [[pot]]
* https://www.societyone.com.au/
*[[Clean up]]: 8 minutes
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]
*[[Cost]]: low to medium
* [[w:Wisr|Wisr]] [https://www.wisr.com.au/ (.com.au)] is a publicly listed P2P lending site for consumers in Australia.
*[[Groups]]: [[halal]], [[kosher]], [[vegan]], [[vegetarian]]
 
*[[Main season]]: Any season
== China ==
*[[Performance]]: Fills bellies efficiently and quite yummy too
=== List of P2P financial services in China ===
* http://chinarapidfinance.com/
 
* http://english.creditease.cn/
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/
 
== Hong Kong ==
=== List of P2P financial services in Hong Kong ===
* https://www.welend.hk/en/ by [[w:WeLab]] [http://www.welab.co/ (.co)]] is a P2P financing service aimed at private individuals
 
== India ==
=== List of P2P financial services in India ===
 
* https://cashkumar.com
* http://i2ifunding.com
* [http://www.inoxcapitals.com Inox Capitals (.com)]
* https://www.lendbox.in
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.
 
== Korea ==
* 8Percent [https://8percent.kr/ (.kr)]is a korean P2P financing service for businesses
* Funda [https://www.funda.kr/v2/ (.kr)] is a P2P financing service for SMEs
* Honest Fund [https://www.honestfund.kr/ (.kr)] is a P2P financing service by BMO
* Lendit [https://loan.lendit.co.kr/loan (.co.kr)] is a korean P2P financing service for consumers
* Roof Funding [https://www.rooffunding.com/ (.com)] is a Korean P2P financing service for real estate
 
== Marshall islands ==
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service
 
 
== New Zealand ==
=== List of P2P financial services in New Zealand ===
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)] is a P2P lending service for consumers
* https://www.squirrelmoney.co.nz/ is a P2P lending service for consumers
 
== Singapore ==
=== List of P2P financial services in Singapore ===
* [https://www.capable.loans Capable Loans (.loans)] - Loans and crowdfunding for individuals and businesses
* [[w:Capital Match]] [https://www.capital-match.com/ (.com)] P2B financing for SMEs in the Southest Asia
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)] P2B financing for SMEs
* [https://www.minterest.sg Minterest (.sg)] P2B lending to businesses
* [https://validus.sg Validus Capital (.sg)] P2B lending platform for SMEs and accredited investors
 
= Europe =
== List of P2P financial services in Europe ==
 
== Austria ==
=== List of P2P financial services in Austria ===
* https://www.dofinance.eu/ service offering auto-investing in loans
 
== Belgium ==
=== List of P2P financial services in Belgium ===
* https://www.lookandfin.com/ is a Belgian P2B loan service for SMEs. Available in French and Dutch.
 
== Bulgaria ==
* https://www.klearlending.com/ is a bulgarian P2P finance service for consumers.
 
== Cyprus==
*http://koronapay.eu/ is international money transfers in Europe
 
== Czech republic ==
=== List of P2P financial services in Czech republic ===
* https://www.ferratump2p.cz/ is a Czech P2P lending service for consumers and SMEs
* https://www.zltymelon.com/ P2P financing service for consumers
 
== Estonia ==
=== List of P2P financial services in Estonia ===
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
* https://www.bulkestate.com/en/ is an Estonian real estate crowdfunding and group-buying platform
* https://crowdestate.eu/ P2P real estate funding service. Founded in 2014.
* https://crowdestor.com/ is an Estonian P2B lending site
* https://envestio.com/ is an Estonian P2B investment platform for real estate and more
* https://estateguru.co/ if a P2P service for secured real estate loans. It was originally called https://www.estateguru.eu/. Founded in 2014.
* https://fundwise.me/en is an equity crowdfunding service. It was founded in 2015.
* https://investly.eu/ is a P2B service for invoice financing. It was founded in 2014.
* https://www.iuvo-group.com/en/ is an Estonian P2P investment platform
* https://www.monestro.com/ is an Estonian P2P lending site for consumers.
* https://www.moneyzen.eu/en is P2P finance service for consumers. It was founded in 2014.
* https://omaraha.ee/en/ is an Estonian P2P lending site for consumers.
 
== Finland ==
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consumerium list of price comparison services in Finland]] for more finance related comparison shopping websites].
 
=== List of P2P financial services in Finland ===
* https://aurorax.co/ is a P2P lending service for consumers. It was founded in 2017.
* https://www.bondora.fi/ - Consumer loans service
* http://www.fellowfinance.fi/ P2P financing service offering consumer and business loans
* https://www.fixura.fi/en-fi/home/ P2P lending service for consumers
* https://kingrahoitus.fi/laina-yksityiselta/
* https://www.lainaaja.fi/ P2P lending service for consumers
* https://vauraus.fi/ is a P2P lending service for businesses.
 
=== List of alternative investment schemes in Finland ===
* https://www.fastinvest.com/en is a service for investors to finance loans given out by an orginator. Also possiblity to invest in an ICO (Initial Coin Offering).
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer finance by http://lainasto.com. They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.
 
== France ==
=== List of P2P financial services in France ===
 
* https://bolden.fr/ P2B lending service
* https://www.credit.fr/ P2P lending service for SMEs and consumers
* https://en.lendix.com/ is a French P2P financing service for SMEs and individuals. Available also in Spanish, French and Italian.
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] -
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques  »
* https://www.unilend.fr/ is a French P2P lending service for SMEs
* https://www.younited-credit.com/ - Consumer loans, refinancing and insurances
* https://www.pretto.fr/ - real estate broker online and free
 
== Germany ==
=== List of P2P financial services in Germany ===


I was just the other day making something for my vegetarian friends and this is what we munched on.
* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.crosslend.com/ is a German B2B investing service
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)] P2B loans platform


*Boil the [[potato]]es almost ready, but not fully cooked. Pour out water and put aside to cool a bit to enable slicing them without burning your fingers
=== List of P2P rental services in Germany ===
*Chop plenty of [[onion]]s
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals
*Chop an agreeable amount of [[garlic]]
*Heat the frying pan and put the onions in plenty of oil. The rest of the oil will be soaked into the sliced potatoes once they go in giving them a nice brown crunchy surface.
*Don't fry the onions, just cook them untill they turn soft and yellow
*Slice potatoes in the pan
*Spice with [[salt]], [[black pepper]] and [[cajun seasoning]]
*Get some [[white beans]] in [[tomato sauce]]. Remember to [[recycle]] the can in with metals
*Pour the beans into the pot and heat. Throw in the crushed or chopped garlic
*Serve on plates so that the beans are next to the crunchy potatoes, not on top of them which would make them mushy.


----
== Ireland ==
19.12.2003
=== List of P2P financial services in Ireland ===
===Fried zucchini with rucola===
* https://flender.ie/ P2P financing for consumers
*[[Class]]: starter or main courseish
* https://www.gridfinance.ie/ is an Irish P2B financing service for SMEs
*[[Preparation]]: 20 minutes
* https://www.linkedfinance.com/ P2B financing service for SMEs
*[[Skill requirements]]: very low
 
*[[Hardware]]: [[knife]], [[stove]], [[frying pan]]
== Italy ==
*[[Clean up]]: 4 minutes
=== List of P2P financial services in Italy ===
*[[Cost]]: medium to high (very seasonal)
* http://prestiamoci.it/ P2P loans for consumers
*[[Groups]]: [[halal]], [[kosher]], [[vegan]], [[vegetarian]]
* http://www.smartika.it P2P loans for consumers
*[[Main season]]: Growing season
 
*[[Performance]]: '''spicy''', crunchy, soft, sorta aesthetic, vodka-able for vegans and stuff
== Latvia ==
=== List of P2P financial services in Latvia ===


=== List of investment services in Latvia ===


Now this is really a [[summer]] thingy so if you in the northern hemisphere you'll have to wait some time '''or''' [[import]] the stuff
* https://www.grupeer.com/ Investment platform into loans from originators
* https://system.lenndy.com/ is a Latvian P2P investment service that finances both consumer and SME loans
* https://www.mintos.com/en/ Investment platform into loans from originators
* https://peerberry.com/ ab investment platform into loans from originators
* https://robo.cash/ Automated investing into loans from originators
* https://www.swaper.com/ is a Latvian loan marketplace platform offering investments in pre-funded unsecured consumer loans originated by its parent company Wandoo Finance Group.
* https://viainvest.com/ - Investment platform into loans from originators
* https://www.viventor.com/ Investment platform into loans from originators


*Get [[zucchini]] and [[rucola]] salad. Assume you have [[oil]], [[black pepper]], [[salt]]
== Lithuania ==
*Fire up the stove. Make it hot.
=== List of P2P financial services in Lithuania ===
*Slice the zucchini into almost 1cm slices
* https://gosavy.com/ is a Lithuanian P2P investment platform
*Fry the slices with little oil untill brown spots appear. Flip over add little salt. Add black pepper, finely ground but not too finely. Adding the pepper after taking the zucchini off the frying pan and stacking them on a plate might work and that way you don't have to worry about the pepper getting scorched
* https://www.finbee.lt/en/ P2P and P2B loans service for consumers and SMEs
*Arrange the slices onto a plate or bowl or something
* https://www.neofinance.com/ is a Lithuanian P2P investment platform
*Rip enough rucola to cover the slices
*Serve with plenty of [[bread]] and [[water]]


== Netherlands ==
=== List of P2P financial services in Netherlands ===
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs
* https://www.geldvoorelkaar.nl/ P2P lending service for SMEs


----
== Poland ==
15.12.2003
=== List of P2P financial services in Poland ===
* https://www.finansowo.pl/ P2P loan service for consumers


===Air-dried ham with melon===
== Portugal ==
*[[Class]]: starter, general knock-your-tongue-out
=== List of P2P financial services in Portugal ===
*[[Preparation]]: 10 minutes
* https://www.raize.pt/ is a Portuguese P2P loan service for SMEs. Raize was the first P2P financial service in Europe to go public with it's IPO in 2018
*[[Skill requirements]]: very low
*[[Hardware]]: [[knife]], [[spoon]], [[board]], [[plate]]
*[[Clean up]]: 2 minutes
*[[Cost]]: High
*[[Groups]]: [[non-halal]], [[non-kosher]], [[non-vegetarian]] (non-vegan implied)
*[[Performance]]: Ultra-yummy if you can afford it. Air-cured ham is quite different from say "normal" ham so it doesn't perform that well for everybody.


*Get half a [[melon]], preferably a very sweet, orange one. A watermelon will not work otherwise it's your fancy.
*Remove seeds with a spoon
*Use the spoon to carve nice sub-mouthful sized pieces of the melon
*Get 100g or so [[air-dried ham]]  that is sliced ultra-thin. Italians will insist on using [[Parma]] naturally 'cause they have this EU protection thingy that only air-cured ham from Parma can be called "Parman ham".
*Cut each slice into two narrower slices. A whole slice would ruin the balance
*Wrap each melon piece in ham


----
== Slovakia ==
14.12.2003
=== List of P2P financial services in Slovakia ===
* https://www.zltymelon.com/


I'm not actually making this now but I often do and it's such a excellent sidekick to many salads and stuff that I just gotta share this with you.
== Spain ==
=== List of P2P financial services in Spain ===
* https://arboribus.com/ P2B lending service for business loans
* https://www.grow.ly/ P2B lending service for business loans
* https://www.loanbook.es/ P2B lending service for SMEs
* https://www.mytriplea.com/ is a Spanish P2P lending service


===Cool Spanish tortilla with Balsamic vinegar===
== Sweden ==
*[[Class]]: Side dish (yummy with salads)
=== Lists of P2P financial services in Sweden ===
*[[Preparation]]: varies much. 10 minutes with precooked potato-onion mix, 30 minutes with raw ingredients + 30 minutes for cooling the dish for serving (depending on weather of course)
* https://lendify.se/ P2P investments and loans for consumers
*[[Skill requirements]]: Low (if you have the right equipment handy)
* https://toborrow.se/sv/ P2P investments and loans for consumers
*[[Hardware]]: [[Stove]] (any kind), [[Frying pan]] or two or more if you want to streamline production of catering quantities, Something for cooking potatoes, like what's it called. and most necessarily a [[plate]] big enough to cover the frying pan (or just the second frying pan mentioned before)
*[[Clean up]]: 4 minutes
*[[Cost]]: Low
*[[Groups]]: [[Halal]], [[Kosher]], [[Lacto-ovo vegetarian]], [[prepare-store-serve]]
*[[Performance]]: excellent for the buck, hunger removal very effective, very suitable for catering type of situation as well as a [[solo]] kitchen where this treat will stay yummy and healthy in your fridge for a long time.


Here goes...
== Switzerland ==
*[[Potatoes]]. Cook 'em
* https://www.advanon.com/en - A Swiss P2P invoice financing service
*[[Onions]]. Gently heat with plenty of [[oil]]
**'''Or''' use a [[frozen]] [[bag]] of  potato-onion mix if in a hurry
*Slightly cooked (fullly cooking isn't really required, you should leave them a little hard) potatoes sliced go in the pan with the onions
*Make it hot, try not to squash the potato slices
*Add [[salt]]. Make it plenty since much of it will be absorbed into the eggs.
*Throw in [[free-range|free-ranging]] [[egg]]s. Break the egg shell into two pieces by hitting on a solid, sharp corner and pry with your hands so that you can pour the contents so that you use the sharp edges of the shell to pierce the yolk (yellow thingy). Repeat untill the potato-onion mixture is almost covered with the eggs.
*Drop the heat a little and cover the frying pan with something such as the plate, though you should remember that the plate becomes incredibly hot and due to the quick release of heat from porcelain you'll burn your fingers in the next step. Wear protective clothing.
*Think carefully how you will accomplish the next step '''taking into consideration your joints and and muscles in your hands and around your shoulders'''. Meditate and when you've got a working theory, proceed.
*Once the surface of the mixture is solid in such a way that it doesn't stick to things much you take the plate place it over the pan. Holding the pan and the plate together with two hands (remember to wear protective clothing) you flip the whole thing over. Slide the tortilla back to the pan and fry gently. When doing these things in an assembly line fashion you naturally use the other hot pan instead of a plate thus working two stowes in a serial manner.
*Once it's slightly brown and slightly crispy or whatever you prefer take it to a cool place to cool down before serving. Please don't stick straight into the fridge cause that will consume a hell of a lot of energy.
*Slice into sectors for serving and please do serve a '''bottle of [[balsamic vinegar]]''' with it so that everyone can moisten it with vinegar to taste.


----
== UK ==
5.12.2003
* [[w:Office of Fair Trading]]
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK


I just had breakfast:
=== List of P2P financial services in UK ===
* https://www.ablrate.com/ P2B financing service
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.britishpearl.com/ is a P2P real estate financing service where you can invest in shares in properties or issue a loan. Has ISA investing available
* https://www.burnleysavingsandloans.co.uk/ P2P loans for consumers and companies. Vehicle loans and refinancing
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.capitalstackers.com/ is a P2P lending service for real estate
* https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform
* https://www.crowd2fund.com/ P2P financing for businesses
* https://www.crowdcube.com/ P2B financing for SMEs and startups
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://easymoney.com/ is a P2P real estate financing service offering ISA investments
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* https://www.fitzroviafinance.com/ is a P2P property backed real estate financing service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* https://www.formaxcredit.co.uk/ is P2B financing service that will soon be offering ISA.
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://go2businessloans.co.uk/ P2B loan service
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* https://www.thehousecrowd.com/ is an UK P2P financing service where the loans are collateralized by real estate
* http://www.investandfund.com/ P2P lending to residential property developments
* https://invest.kuflink.co.uk/ P2P lending for real estate. Features select-invest, ISA and auto-invest
* https://www.justus.co/ P2P finance for consumer mortgages and loans
* https://www.koyoloans.com/ Koyo Loans
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)]  is the first UK P2P lending company that includes credit default protection for the lenders
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://www.moneything.com/ is a P2P financing service for large collateralized loans
* https://www.newable.co.uk/ is a P2B financing service that offers ability to invest via funds or your own investment portfolio.
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.orchardlendingclub.com/ is a P2P lending site that lends to insurance brokers, legal and accountancy firms and schools and parents
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate. Has IFISA eligible products available
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.quidcycle.com/ P2P financing for consumers including refinancing
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://trading.relendex.com/ P2B real estate loans. Has self-select and secured-portfolio ISA investment products
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://www.simplecrowdfunding.co.uk/ offers P2P ISA real estate investments and loans
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.trufis.com/ P2B lending service
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://welendus.com/ is a P2P lending service for consumers
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]


===Brie-Apple hot sandwich===
=== Lists of P2P financial services in UK ===
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]


*[[Class]]: Hot sandwich
= Middle East =
*[[Preparation]]: 2 minutes
== Israel ==
*[[Skill requirements]]: Low
=== List of P2P financial services in Israel ===
*[[Hardware]]: Heating (conduction or radiation)
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
*[[Clean up]]: 1 minute
* http://www.creditplace.com/ SMB loans
*[[Cost]]: low/medium
* https://www.eloan.co.il/ consumer loans
*[[Groups]]: [[Halal]], [[Kosher]], [[Vegetarian]]
* TARYA consumer loans
*[[Performance]]: yummy
* http://www.loan4u.co.il/ consumer loans
* http://www.wsci.org.il/ consumer loans
* https://best-price.co.il/ consumer loans


*Bread, any bread should do, though i used rye
== United Arab Emirates ==
*Toast the bread, to make it a little cruchy
=== List of P2P financial services in UAE ===
*Butter it
* https://www.beehive.ae/ P2B loans platform offering business finance and invoice financing
*Chop half of a small apple into slices of any size
*Slice some onions as fine as possible
*Apples go to the bottom, put the onion slices atop the apples
*Plenty of Brie cheese to top it off. I used danish [[organic]] low fat version
*And to keep you healthy and vamipire free, you really should try trowing in some crushed or chopped garlic glowes.
*Also a pinch of white pepper isn't such a bad idea


*Microwaveving will do just great, but you can ofcourse use whatever heating equipment you like
= South America =
*Keep in mind that Brie will turn quite liquid quite quickly, so keep an aye on things
== Brasilia ==
*If any brie gets to touch the plate, you should know it's quite sticky, so wash up soon
=== List of P2P financial services in Brasilia ===
* https://www.nexoos.com.br/ P2P lending service for loans to SMEs


----
= North America =  
=== Asparagus with melted butter and grated cheese===


*[[Class]]: Starter
== Canada ==
*[[Preparation]]: 10 minutes
=== Lists of P2P financial services in Canada ===
*[[Skill requirements]]: Low
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] business financing service
*[[Hardware]]: Heating (conduction or radiation)  
*[[Clean up]]: 2 minutes
*[[Cost]]: medium
*[[Groups]]: [[Halal]], [[Kosher]], [[Vegetarian]]
*[[Performance]]: totally yummy, beats asparagus with hollandiase imo


== USA ==


Asparagus with melted butter and grated cheese
* http://www.consumerfinance.gov/
500g asparagus
* http://www.responsiblelending.org/
1/2 teaspoon salt
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.
30g butter
50g parmesan-type finely shred cheese
Pinch of salt
Touch of lemon juice


* Boil the asparagus normally in slightly salted water for 3-4 minutes
* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]
* Drain water
* Add melted butter to asparagus in hot pan and roll around
* Add salt to taste
* Add finely grated cheese to hot pan, stir and serve with a touch of lemon immediately
* Enjoy
----


Enjoy.
=== Lists of P2P financial services in USA ===
* https://www.fundingcircle.com/us/ - P2B platform for investor to business SME loans
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] P2P crowdfunded real estate investing
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] -  P2B SME loans
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)] P2P loaning platoform for consumers
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)] P2P loaning platform for consumers
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)] P2P loaning platform for consumers and debt consolidation
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service for consumers: refinancing, consumer loans and mortgages
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)] P2P loaning platform for consumers.


----
----
= Links to useful information on P2P lending =
* [http://www.p2pmoney.co.uk/companies.htm Various comparison charts of P2P sites at p2pmoney.co.uk]
* [http://www.p2previews.co.uk/ Trusted reviews of UK P2P Lending Platforms at p2previews.co.uk]
* [https://www.p2p-banking.com/ P2P Lending Marketplace News and Reviews at p2p-banking.com]
* [https://p2plendingsites.com/ Compare P2P lending platforms at p2plendingsites.com]
* [https://www.obviousinvestor.com/ P2P lender reviews & actual returns with screenshots published monthly obviousinvestor.com]
* [https://www.lendingmemo.com/p2p-lending-sites/ P2P Lending Investing and Analytics Tools and more at lendingmemo.com]
* [https://crowdfundbeat.com/ News & information for Crowdfunding People at Crowdfundbeat.com]
* [https://www.financialthing.com/ Unbiased p2p lending company reviews & DIY investing information at financialthing.com]
* [https://www.globalp2plending.com/en/peer-to-peer-lending-sites/ Peer to Peer Lending Sites - Full List]

Revision as of 11:12, 9 January 2020

This is the Consumerium list of alternative financial services lists.

The Finnish language URLs http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.

Spectrum of consumer finance by the lowest troll

  • Proletariat finance ->
  • Credit card debt ->
  • Bank loan

What is alternative finance? What are alternative financial services?

“Alternative Finance refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through 'online marketplaces' are reward-based crowdfunding, equity crowdfunding, peer-to-peer consumer and business lending, invoice trading third party payment platforms.”

“Alternative financial services (AFS) are financial services provided outside traditional banking institutions, on which many low-income individuals depend. In developing countries, these services often take the form of microfinance. In developed countries, the services may be similar to those provided by banks and include payday loans, rent-to-own agreements, pawnshops, refund anticipation loans, some subprime mortgage loans and car title loans, and non-bank check cashing, money orders, and money transfers. It also includes traditional moneylending by door-to-door collection.”

Often the spectrum ranges from brute loan sharking in operations known as w:payday loans all the way to almost respectable interest taking of non-collateralized loans.


Peer-to-peer lending, peer-to-peer investing and socially responsible investing

“Peer-to-peer lending, abbreviated P2PL, is the practice of lending money to unrelated individuals, or "peers", without going through a traditional financial intermediary such as a bank or other traditional financial institution. P2PL is not to be confused with peer to peer investing (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending platforms and credit checking tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.”

“Peer-to-peer investing (P2PI) is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional financial intermediary and who are unknown to the investor.”

“Socially responsible investing (SRI), also known as sustainable, socially conscious, "green" or ethical investing, is any investment strategy which seeks to consider both financial return and social good.”

“Equity crowdfunding is the online offering of private company securities to a group of people to investment.”

“An ethical bank, also known as a social, alternative, civic, or sustainable bank, is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: ethical investment, impact investment, socially responsible investment, corporate social responsibility, and is also related to such movements as the fair trade movement, ethical consumerism, and social enterprise.”

~ Wikipedia on ethical bank

Microfinance and microcredit

“Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services.”

~ Wikipedia on microfinance

“Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history.”

~ Wikipedia on microcredit
More reading Impact of microcredit

What is APR, why does it matter?

“APR stands for the annual percentage rate.”

~ everyone on annual percentage rate

“[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of consumer protection. APR is intended to make it easier to compare lenders and loan options.”

~ Wikipedia on annual percentage rate

“In EU all loaning operations must show the APR for their example loans that they use to market their services.”

~ European Parliament on law regarding advertisement of loans
  • APR can range from hundreds of percent to few tens of percent. Credit card debt is usually in the 10-15% zone.

Consumerium list of alternative financial services lists

Socially Responsible Investing

  • https://www.lendahand.com/ is an online impact investing platform where socially conscious investors can invest in entrepreneurs and sustainable
  • Kiva (.org) is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. It provides P2P microcredits in 82 countries - Their slogan is "To connect people through lending to alleviate poverty"
  • https://www.openinvest.co/ is a w:Public-benefit corporation offering a platform for making socially responsible investments in USD.
  • https://www.swellinvesting.com/ offers w:impact investing services in USD.
  • United Prosperity (.org) is a non-profit organization offering P2P microcredit services and operates with PayPal payments. It does not lend directly to the receiver of the loan, but instead a bank. The microcredit offered by the investors is used as collateral for the bank resulting in the bank effectively loaning almost double the amount of money invested by the investor.
  • Zidisha (.org) is a non-profit P2P microcredit platform for investing in Africa and Asia. It is the first international P2P microcredit platform ever created.

Cryptocurrency based P2P lending services

Multiple countries / currencies

  • https://www.twino.eu/ is P2P lending service operating in the EU, Latvia, Poland, Russia, Georgia, Denmark, Spain and Kazakhstan. The site is available in English, German and Latvian.

Africa

Nigeria

Asia

Australia

List of P2P financial services in Australia

China

List of P2P financial services in China

Hong Kong

List of P2P financial services in Hong Kong

India

List of P2P financial services in India

Korea

  • 8Percent (.kr)is a korean P2P financing service for businesses
  • Funda (.kr) is a P2P financing service for SMEs
  • Honest Fund (.kr) is a P2P financing service by BMO
  • Lendit (.co.kr) is a korean P2P financing service for consumers
  • Roof Funding (.com) is a Korean P2P financing service for real estate

Marshall islands

List of P2P financial services in Marshall Islands


New Zealand

List of P2P financial services in New Zealand

Singapore

List of P2P financial services in Singapore

Europe

List of P2P financial services in Europe

Austria

List of P2P financial services in Austria

Belgium

List of P2P financial services in Belgium

Bulgaria

Cyprus

Czech republic

List of P2P financial services in Czech republic

Estonia

List of P2P financial services in Estonia

Finland

List of Finnish alternative financial services lists

View Consumerium list of price comparison services in Finland for more finance related comparison shopping websites].

List of P2P financial services in Finland

List of alternative investment schemes in Finland

France

List of P2P financial services in France

Germany

List of P2P financial services in Germany

List of P2P rental services in Germany

Ireland

List of P2P financial services in Ireland

Italy

List of P2P financial services in Italy

Latvia

List of P2P financial services in Latvia

List of investment services in Latvia

Lithuania

List of P2P financial services in Lithuania

Netherlands

List of P2P financial services in Netherlands

Poland

List of P2P financial services in Poland

Portugal

List of P2P financial services in Portugal

  • https://www.raize.pt/ is a Portuguese P2P loan service for SMEs. Raize was the first P2P financial service in Europe to go public with it's IPO in 2018


Slovakia

List of P2P financial services in Slovakia

Spain

List of P2P financial services in Spain

Sweden

Lists of P2P financial services in Sweden

Switzerland

UK

List of P2P financial services in UK

Lists of P2P financial services in UK

Middle East

Israel

List of P2P financial services in Israel

United Arab Emirates

List of P2P financial services in UAE

South America

Brasilia

List of P2P financial services in Brasilia

North America

Canada

Lists of P2P financial services in Canada

USA

Lists of P2P financial services in USA

Links to useful information on P2P lending

Retrieved from "https://develop.consumerium.org/w/index.php?title=User:Jukeboksi/Kitchenblog&oldid=49553"
We use only those cookies necessary for the functioning of the website.
More information