[GFischer]

That's pretty interesting, I didn't know about those services in the U.S.

Here's an article on Mint.com which educated me on its existence:

http://www.mint.com/blog/investing/should-you-take-the-plung...

Too bad there isn't a similar service here in Uruguay, it would absolutely kill the competition - OTOH credit risk and regulations are both a lot harder here, that's why lenders can get away with 43% annnual interest rates, which after inflation and costs mean they're getting at least 20% return on their money (I used to work for Equifax Uruguay, and they were doing extremely well).

Lending Club offers 9% according to that article, but it's lower risk.

I would suggest investing in Uruguay, but investing abroad is not for everyone, and most likely not for someone in his mid-twenties.

Angel investment or venture capital or soft loans for startups in Uruguay / Argentina would be very welcome, though :) and I'm pretty sure there's a good opportunity there.