20 ways to make extra money today that you couldn’t 20 years ago

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Peer-to-peer lending allows anyone to lend money to an individual or business via a third party platform such as Funding Circle, Zopa, LendingCrowd or LendingClub. The person borrowing gets a lower interest rate than they would with a bank or other traditional lender, while the person lending the cash gets the chance to earn more than they would with a traditional savings account. You can expect a return of between 3% and 12% a year.