Bitcoin Forum
November 25, 2017, 12:11:32 AM *
News: Latest stable version of Bitcoin Core: 0.15.1  [Torrent].
 
   Home   Help Search Donate Login Register  
Pages: [1]
  Print  
Author Topic: Lending out your coins  (Read 393 times)
User365
Sr. Member
****
Offline Offline

Activity: 308


physics, mathematics and engineering


View Profile
May 17, 2017, 08:42:24 PM
 #1

Where and how do I lend out coins, with minimum risk ?

Directly on the forum is not the worst idea, but you always have to handle the collecting of the collateral, and i think if we are speaking of micro loans, it is not worth the effort, and big loans, well maby you shouldn´t give out these on a forum where anyone can be anonymous and run with your coins.

Poloniex has a lending section too, but how have they regulated if a user does not pay back ?

I recently discovered btcjam, but I don´t know anything about it.


I would really appreciate it if you can share your experience  Smiley


A sad story, related to the topic
I once had the idea to create a service, to give out loans and let people invest in this, simmilar to a bank. But then it came to my mind that this won´t be possible because ponzis have ruined this. Undecided

█████████████████████████████████████████████████████
███▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄███▄▄▄███▄▄▄▄▄▄▄▄▄███▄▄▄▄▄▄▄▄▄▄███
█████████████████████████████████████████████████████
█████████████████████████████████████████████████████
█████████████████████████████████████████████████████
████████████▀███▀████████████████████████████████████
█████████████████████████████████████████████████████
████████████▄███▄████████████████████████████████████
█████████████████████████████████████████████████████
█████████████████████████████████████████████████████
█████████████████████████████████████████████████████
███▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀███▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀███
█████████████████████████████████████████████████████



██        ███         ███                         ███
███        ▀▀▀  ███    ███                         ▀▀▀
███████▄   ███  █████  ███     ▄█████▄   ▄█████▄   ███   ▄█████▄
██  ▀███  ███  ███▀▀  ███    ███▀ ▀███ ███▀ ▀███  ███  ███▀ ▀▀
██   ███  ███  ███    ███    ███   ███ ███   ███  ███  ███
███  ▄██▀  ███  ███    ███    ███▄ ▄███ ███▄ ▄███  ███  ███▄ ▄▄
███████▀   ███  ▀████  ▀████   ▀█████▀   ▀███████  ███   ▀█████▀
                                         ▄▄   ███
                                        ▀██████▀
||
b
COUPON CODE
[ OFIE-2AHG ]
for 100% First Deposit Bonus
|
1511568692
Hero Member
*
Offline Offline

Posts: 1511568692

View Profile Personal Message (Offline)

Ignore
1511568692
Reply with quote  #2

1511568692
Report to moderator
1511568692
Hero Member
*
Offline Offline

Posts: 1511568692

View Profile Personal Message (Offline)

Ignore
1511568692
Reply with quote  #2

1511568692
Report to moderator
Join ICO Now Coinlancer is Disrupting the Freelance marketplace!
Advertised sites are not endorsed by the Bitcoin Forum. They may be unsafe, untrustworthy, or illegal in your jurisdiction. Advertise here.
1511568692
Hero Member
*
Offline Offline

Posts: 1511568692

View Profile Personal Message (Offline)

Ignore
1511568692
Reply with quote  #2

1511568692
Report to moderator
1511568692
Hero Member
*
Offline Offline

Posts: 1511568692

View Profile Personal Message (Offline)

Ignore
1511568692
Reply with quote  #2

1511568692
Report to moderator
1511568692
Hero Member
*
Offline Offline

Posts: 1511568692

View Profile Personal Message (Offline)

Ignore
1511568692
Reply with quote  #2

1511568692
Report to moderator
DarkStar_
Hero Member
*****
Offline Offline

Activity: 798


JOLYY - The future of beauty!


View Profile WWW
May 17, 2017, 09:39:19 PM
 #2

Poloniex is probably the best place to lend if you don't like risk. People get loans in Polo for margin trading (basically multiplying their capital to have higher stakes when they get a coin), and to get a loan, they have to have a certain amount of the loan in their margin account already. If your lent amount + their amount is close to the lent amount, poloniex will automatically sell the coins and repay your loan.

Forum lending is pretty good as well, and offers higher interest for the higher risk.

            ███           ▄▄▄████████▄▄▄           ███       ▀███          ▀██▄ ▄██▀          ███▀
            ███         ▄████▀▀    ▀▀████▄         ███         ███          ▀█████           ███
            ███       ▄███▀            ▀███▄       ███          ▀██▄         ▄███▄         ▄██▀
            ███      ███▀                ▀███      ███            ███       ███▀███       ███
            ███     ███▀                  ▀███     ███             ▀██▄   ▄██▀   ▀██▄   ▄██▀
            ███     ███                    ███     ███               ███▄██▀       ▀██▄██▀
            ███     ███                    ███     ███                ▀███▀         ▀███▀
            ███     ███                    ███     ███                 ███           ███
            ███     ███▄                  ▄███     ███                 ███           ███
            ███      ███▄                ▄███      ███                 ███           ███
           ███▀       ▀███▄            ▄███▀       ▀███                ███           ███
██▄▄▄  ▄▄▄███▀          ▀████▄▄    ▄▄████▀          ▀███▄▄▄  ▄▄▄██     ███           ███
▀▀████████▀▀              ▀▀▀████████▀▀▀              ▀▀████████▀▀     ███           ███
........T H E   F U T U R E.................
......................o f   B E A U T Y
........


 ▀█▄             ▄▄▄▄▄▄
   ▀█▄      ▄▄███▀▀▀▀
    ▄██     ▀▀▀     ▄▄▄▄
 ▄▄▄ ██         ▄     ▀▀██▄
▀█▀█▀█▀▄       █▄     ▄██▀
               ▀████████
               ▀ ▀ ▀ ▀ ▀


      ▄▄
     ▀█▀▀▀

    █▄
     ███████▀▀▀
    █▄
      ▀▀▀▀▀
European Central Bank
Hero Member
*****
Offline Offline

Activity: 798



View Profile
May 17, 2017, 09:58:56 PM
 #3

forget btcjam or any p2p service. all they'll do is steal from you.

apart from exchange lending, and right now i'm not inclined to trust anywhere, you could look into investing in a casino bank roll. make sure it's an old and established one.

       ▀
   ▄▄▄   ▄▀
   ███ ▄▄▄▄  ██
       ████
    ▄  ▀▀▀▀
▄▄
      ██    ▀▀
██▄█▄▄▄████████
▄▄▄▄▄▄▄▄▀▀███▀▀▀
██████████████████
████▄▀▄▀▄▀███▀▀▀▀▀
████▄▀▄▀▄▀███ ▀
████▄▀▄▀▄▀████████
▀█████████████████
]
,CoinPayments,
█████
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████
█████
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████
█████
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████
avikz
Hero Member
*****
Offline Offline

Activity: 728



View Profile
May 17, 2017, 10:40:25 PM
 #4

Lending your bitcoin is not a good idea. I have used btcjam earlier and invested a minor percentage of my bitcoin holding to test this market. However, I ended up with 60% loss on my invested capital because most of the people did not bother to pay me back. I was able to recover only 40% of the investment.

SInce then, I have completely stopped lending my hard earned bitcoin and started trading. Remember, bitcoin lending is an online process with no regulatory agency. So if someone stops paying back, there is hardly any way you can get hold of that person and recover that money. So never lend your bitcoins.

    ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄   
   ████████████████████████████████   
     ▀██████████████████████████▀     
        ▀████████████████████▀       
          ████████████████▀         
            █████████████           
            ▀████████████▀           
             ▀██████████▀             
              ██████████             
               ████████               
               ▀██████▀               
                ██████               
                  ▀                   
.
.trade.io.
██████
██████
███
███
███
███
███
███
███
███
███
██████
██████

▄██████████████████▄
███       ▀███████
███       █████████
███       █████████
███       █████████
███              ██
███   ▄▄▄▄▄▄▄▄   ███
███   ▄▄▄▄▄▄▄▄   ███
███              ███
███▄▄▄▄▄▄▄▄▄▄▄▄▄▄███
██████████████████▀

▄██████████████████▄
███████████▀ ███████
█████████▀   ███████
███████▀     ██▀ ███
███ ▀▀       █▄▄████
███          █▀▀▀▀██
███ ▄▄       ███████
██████▄     █▄ ▀███
█████████▄   ███▄███
███████████▄ ███████
▀██████████████████▀

▄██████████████████▄
████████████████████
███████████████▀▀ ██
█████████▀▀     ███
████▀▀     ▄█▀   ███
███▄    ▄██      ███
█████████▀      ▄██
█████████▄     ████
█████████████▄ ▄████
████████████████████
▀██████████████████▀
██████
██████
   ███
   ███
   ███
   ███
   ███
   ███
   ███
   ███
   ███
██████
██████
.
.Join the Trading Revolution.
Bitcoinsummoner
Hero Member
*****
Offline Offline

Activity: 658

I'm in vacation


View Profile
May 18, 2017, 12:11:28 AM
 #5

I think you can lend your coins at lending section going outside of this forum its risky by now if you poloniex there are some issue i heard..
Yobit also added a new feature the same as poloniex they are added a investbox.
Investing your coins in BTCJam is risky just like other said its not a good idea to invest there better to go in lending section of this forum and lend your coins with collateral so that if they are default you can sell them.. 

..Decision from segwit2x is not Final..
Sled
Hero Member
*****
Offline Offline

Activity: 672

★YoBit.Net★ 350+ Coins Exchange & Dice


View Profile
May 18, 2017, 04:19:28 AM
 #6

Where and how do I lend out coins, with minimum risk ?

Directly on the forum is not the worst idea, but you always have to handle the collecting of the collateral, and i think if we are speaking of micro loans, it is not worth the effort, and big loans, well maby you shouldn´t give out these on a forum where anyone can be anonymous and run with your coins.

Poloniex has a lending section too, but how have they regulated if a user does not pay back ?

I recently discovered btcjam, but I don´t know anything about it.


I would really appreciate it if you can share your experience  Smiley


A sad story, related to the topic
I once had the idea to create a service, to give out loans and let people invest in this, simmilar to a bank. But then it came to my mind that this won´t be possible because ponzis have ruined this. Undecided
If you don't trust any site to put your coins and lend it out then you can make a thread here in our forum and start your service here by offering your coins but don't forget to request a collateral so you can sell it if the user will not pay you back. It is good to start here because you can possibly build your account reputation and get more clients.

Herbert2020
Legendary
*
Offline Offline

Activity: 1050



View Profile
May 18, 2017, 06:17:05 AM
 #7

lending bitcoin because of its anonymity and being irreversible will always be a hard job to do but because of the decent profit it can give you, it becomes interesting.
in my opinion the only good way of doing it is to take a valid collateral so that you can always have a good insurance that your money is safe. this means doing the same thing as banks do, they take your home and give you a loan for example and if you don't pay back the loan they will evict you.

about exchanges like poloniex i have to say i never liked doing it, mostly because i don't quite get it Smiley
and also because it is a third party and an exchange and there have been so many so called hacks that i don't want to risk anything.

.BITSLER.                 ▄███
               ▄████▀
             ▄████▀
           ▄████▀  ▄██▄
         ▄████▀    ▀████▄
       ▄████▀        ▀████▄
     ▄████▀            ▀████▄
   ▄████▀                ▀████▄
 ▄████▀ ▄████▄      ▄████▄ ▀████▄
█████   ██████      ██████   █████
 ▀████▄ ▀████▀      ▀████▀ ▄████▀
   ▀████▄                ▄████▀
     ▀████▄            ▄████▀
       ▀████▄        ▄████▀
         ▀████▄    ▄████▀
           ▀████▄▄████▀
             ▀██████▀
               ▀▀▀▀
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▄            
▄▄▄▄▀▀▀▀    ▄▄█▄▄ ▀▀▄         
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▄      
█  ▀▄▄  ▀█▀▀ ▄      ▀████   ▀▀▄   
█ █▄  ▀▄   ▀████       ▀▀ ▄██▄ ▀▀▄
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
█  ▀▀       ▀▄▄ ▀████      ▄▄▄▀▀▀  █
█            ▄ ▀▄    ▄▄▄▀▀▀   ▄▄  █
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
█ ▄▄   ███   ▀██  █           ▀▀  █ 
█ ███  ▀██       █        ▄▄      █ 
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀  
▀▄            █        ▀▀      █  
▀▀▄   ███▄  █   ▄▄          █   
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀    
▀▀▄   █   ▀▀▄▄▄▀▀▀         
▄▄▄▄▄▄▄▄▄▄▄█▄▄▀▀▀▀              
              ▄▄▄██████▄▄▄
          ▄▄████████████████▄▄
        ▄██████▀▀▀▀▀▀▀▀▀▀██████▄
▄     ▄█████▀             ▀█████▄
██▄▄ █████▀                ▀█████
 ████████            ▄██      █████
  ████████▄         ███▀       ████▄
  █████████▀▀     ▄███▀        █████
   █▀▀▀          █████         █████
     ▄▄▄         ████          █████
   █████          ▀▀           ████▀
    █████                     █████
     █████▄                 ▄█████
      ▀█████▄             ▄█████▀
        ▀██████▄▄▄▄▄▄▄▄▄▄██████▀
          ▀▀████████████████▀▀
              ▀▀▀██████▀▀▀
            ▄▄▄███████▄▄▄
         ▄█▀▀▀ ▄▄▄▄▄▄▄ ▀▀▀█▄
       █▀▀ ▄█████████████▄ ▀▀█
     █▀▀ ███████████████████ ▀▀█
    █▀ ███████████████████████ ▀█
   █▀ ███████████████▀▀ ███████ ▀█
 ▄█▀ ██████████████▀      ▀█████ ▀█▄
███ ███████████▀▀            ▀▀██ ███
███ ███████▀▀                     ███
███ ▀▀▀▀                          ███
▀██▄                             ▄██▀
  ▀█▄                            ▀▀
    █▄       █▄▄▄▄▄▄▄▄▄█
     █▄      ▀█████████▀
      ▀█▄      ▀▀▀▀▀▀▀
        ▀▀█▄▄  ▄▄▄
            ▀▀█████
[]
Pearls Before Swine
Sr. Member
****
Offline Offline

Activity: 392


View Profile
May 18, 2017, 06:23:08 AM
 #8

Lending your bitcoin is not a good idea. I have used btcjam earlier and invested a minor percentage of my bitcoin holding to test this market. However, I ended up with 60% loss on my invested capital because most of the people did not bother to pay me back. I was able to recover only 40% of the investment.

SInce then, I have completely stopped lending my hard earned bitcoin and started trading. Remember, bitcoin lending is an online process with no regulatory agency. So if someone stops paying back, there is hardly any way you can get hold of that person and recover that money. So never lend your bitcoins.
Wise move.  Dishonesty is endemic in the crypto space, and even trusted members here end up scamming for pathetic amounts eventually.  Add this to the fact that trusted accounts can be bought and sold, and you have in all the incentive you need to be mistrustful of everyone.  In this sort of environment you shouldn't lend bitcoin to anyone.  Sad, but that's the reality I've come to know here.
mirakal
Hero Member
*****
Offline Offline

Activity: 770


FortuneJack the No. 1


View Profile
May 18, 2017, 06:43:49 AM
 #9

Set your target, if not that high I guess it is possible in the forum to lend money, we have plenty of active members who's from time to time will need money and you can give them a short term to get your money back in a faster way.

We called that a micro loan and you don't need to lend your money to limited number of people to build a good portfolio, techniques that will work IMO which I have some kind of training in real life lending under micro loan is to focus on volume of borrower's that way if minority will not pay you can still continue your business.

Remember this two things, lend money in a short term and in a bigger interest, I'm sure you'll be able to give a competitive rates here.

FORTUNEJACK.COM[
                             
9 BTC WELCOME PACK FOR 1ST 5 DEPOSITS
FREE 1,000 mBTC daily for LuckyJack winners
[
           
]
digaran
Hero Member
*****
Offline Offline

Activity: 630


COINPAYMENTS.NET


View Profile
May 18, 2017, 06:58:30 AM
 #10

Does any body here or any where else accept the equivalent of BTC in dollars and deal with interest rate and such?
I'd like to lend $1000 but in Bitcoin and receive $1200 after a month again in BTC. wouldn't that be more simpler and easy?
That way no matter what is the price in market, both sides will have a fair deal without one losing more or earning more or one paying more than what was agreed upon.
I don't think any body willing to lend like that though.

       ▀
   ▄▄▄   ▄▀
   ███ ▄▄▄▄  ██
       ████
    ▄  ▀▀▀▀
▄▄
      ██    ▀▀
██▄█▄▄▄████████
▄▄▄▄▄▄▄▄▀▀███▀▀▀
██████████████████
████▄▀▄▀▄▀███▀▀▀▀▀
████▄▀▄▀▄▀███ ▀
████▄▀▄▀▄▀████████
▀█████████████████
]
,CoinPayments,
█████
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████
█████
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████
█████
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████ ██
█████
rickadone
Hero Member
*****
Offline Offline

Activity: 798



View Profile
May 18, 2017, 08:36:54 AM
 #11

Does any body here or any where else accept the equivalent of BTC in dollars and deal with interest rate and such?
I'd like to lend $1000 but in Bitcoin and receive $1200 after a month again in BTC. wouldn't that be more simpler and easy?
That way no matter what is the price in market, both sides will have a fair deal without one losing more or earning more or one paying more than what was agreed upon.
I don't think any body willing to lend like that though.
It is possible. Check in long term lending board.

It is an usual practice among lenders to deal in either bitcoin value or in fiat value. But both will be done in mode of bitcoin payments. Dealing is fiat is good when the borrowers is going to convert your bitcoins into his fiat and will be using for his business/studies or where ever and when repaying you he may again need to buy bitcoins and will send to you back.

But in the case of people will be keeping your bitcoins for using it in gambling/cloud mining then dealing in fiat may trouble them if prices changes a lot within loan period.

.BITSLER.                 ▄███
               ▄████▀
             ▄████▀
           ▄████▀  ▄██▄
         ▄████▀    ▀████▄
       ▄████▀        ▀████▄
     ▄████▀            ▀████▄
   ▄████▀                ▀████▄
 ▄████▀ ▄████▄      ▄████▄ ▀████▄
█████   ██████      ██████   █████
 ▀████▄ ▀████▀      ▀████▀ ▄████▀
   ▀████▄                ▄████▀
     ▀████▄            ▄████▀
       ▀████▄        ▄████▀
         ▀████▄    ▄████▀
           ▀████▄▄████▀
             ▀██████▀
               ▀▀▀▀
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▄             
▄▄▄▄▀▀▀▀    ▄▄█▄▄ ▀▀▄         
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▄       
█  ▀▄▄  ▀█▀▀ ▄      ▀████   ▀▀▄   
█ █▄  ▀▄   ▀████       ▀▀ ▄██▄ ▀▀▄
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
█  ▀▀       ▀▄▄ ▀████      ▄▄▄▀▀▀  █
█            ▄ ▀▄    ▄▄▄▀▀▀   ▄▄  █
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
█ ▄▄   ███   ▀██  █           ▀▀  █ 
█ ███  ▀██       █        ▄▄      █ 
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀   
▀▄            █        ▀▀      █   
▀▀▄   ███▄  █   ▄▄          █   
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀     
▀▀▄   █   ▀▀▄▄▄▀▀▀         
▄▄▄▄▄▄▄▄▄▄▄█▄▄▀▀▀▀               
              ▄▄▄██████▄▄▄
          ▄▄████████████████▄▄
        ▄██████▀▀▀▀▀▀▀▀▀▀██████▄
▄     ▄█████▀             ▀█████▄
██▄▄ █████▀                ▀█████
 ████████            ▄██      █████
  ████████▄         ███▀       ████▄
  █████████▀▀     ▄███▀        █████
   █▀▀▀          █████         █████
     ▄▄▄         ████          █████
   █████          ▀▀           ████▀
    █████                     █████
     █████▄                 ▄█████
      ▀█████▄             ▄█████▀
        ▀██████▄▄▄▄▄▄▄▄▄▄██████▀
          ▀▀████████████████▀▀
              ▀▀▀██████▀▀▀
            ▄▄▄███████▄▄▄
         ▄█▀▀▀ ▄▄▄▄▄▄▄ ▀▀▀█▄
       █▀▀ ▄█████████████▄ ▀▀█
     █▀▀ ███████████████████ ▀▀█
    █▀ ███████████████████████ ▀█
   █▀ ███████████████▀▀ ███████ ▀█
 ▄█▀ ██████████████▀      ▀█████ ▀█▄
███ ███████████▀▀            ▀▀██ ███
███ ███████▀▀                     ███
███ ▀▀▀▀                          ███
▀██▄                             ▄██▀
  ▀█▄                            ▀▀
    █▄       █▄▄▄▄▄▄▄▄▄█
     █▄      ▀█████████▀
      ▀█▄      ▀▀▀▀▀▀▀
        ▀▀█▄▄  ▄▄▄
            ▀▀█████
[]
romero121
Legendary
*
Offline Offline

Activity: 952


Betcoin.ag - Trusted Platform for Gambling


View Profile
May 18, 2017, 12:37:39 PM
 #12

I believe poloniex is the best way to lend your coins with less risk. It gives less earning compared to other lending service availability. Even our forum is a good place, if you have the good trust rate and the strength to get the collateral which is not that simple.

Pages: [1]
  Print  
 
Jump to:  

Sponsored by , a Bitcoin-accepting VPN.
Powered by MySQL Powered by PHP Powered by SMF 1.1.19 | SMF © 2006-2009, Simple Machines Valid XHTML 1.0! Valid CSS!