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Messages - ppan

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1
Investors - LC / Re: Back Testing
« on: February 26, 2017, 01:18:55 PM »
All you have to do is provide your credit card info and it will let you look at more than three filters. I had the same problem months ago when they changed that.
But wouldn't they charge your credit card if you have more than $20K in cash, even though you do not use their platform to invest?

Actually, wouldn't you owe them the fee even if there was no credit card attached to the account.....?

FROM NSR WEBSITE:
NSR Invest charges self-directed accounts management/platform fees only once a users' aggregate account value (total account balances of all connected investor platforms) reaches $20,000. Please note, for purposes of calculating the $20,000 threshold, your account value includes all available cash and the principal value of only notes purchased by NSR.

2
Could you please add Lending Alpha to the "P2P Analysis/Investment Sites" Category?
https://lendingalpha.com/

3
Investors - LC / Has anyone tried Lending Alpha?
« on: February 17, 2017, 04:57:16 AM »
Has anyone tried Lending Alpha?
https://lendingalpha.com/

(Can't seem to find any posts about it doing a forum search)

4
BlueVestment / Re: BlueVestment and Interest Radar to Merge
« on: January 03, 2016, 09:12:03 PM »
1b. It does not seem to match: I get much lower IRR when I use IR01=400+ (lower IR01 gives even lower IRR):
Overall   Loan #   Loan %   Interest   Loss %   Std Error   Avg IRR   IRR (α=.05)   
Total      52406      100.0%    18.3%       6.1%     0.3%      9.9%      9.3% - 10.5%

Credit Grade   Loan #   Loan %   Interest   Loss %   Std Error   Avg IRR   IRR (α=.05)
D                   38466      73.4%      17.3%      5.4%      0.3%      9.7%     9.1% - 10.4%
E                   11638      22.2%      20.3%      7.6%      0.7%     10.6%     9.2% - 12.0%
F                   996          1.9%       23.7%       9.7%      2.7%     11.3%     6.0% - 16.6%
G                   1306        2.5%       25.6%      13.3%     2.7%     8.7%      3.4% - 14.0%

3. If someone still has a subscription to IR, and want to use BlueVestment for the faster execution speed (is that correct?) do they then have to pay fees to both?

5
BlueVestment / Re: Account Settings?
« on: January 03, 2016, 06:14:36 PM »
Max Invest - this limits the amount of notes BlueVestment will place on your behalf during a month long billing period

Let me know if you have additional questions.
What is the billing period? Does it have a fixed start date, e.g. Calendar month?

6
BlueVestment / Re: BlueVestment and Interest Radar to Merge
« on: January 03, 2016, 06:11:55 PM »
1. BlueVestment used to offer p2p-picks. Now there is something called BluePicks.
However, if it is based on IR-scores, according to the poster below, then:
b. Can you tell me how it relates to the IR01 & IR04 scores (I am trying figure out how to convert my current strategy)?

2. If I understand correctly, only the BlueVestment website will be active after the merge?
a. If so, will it contain the features of IR?
b. For example, will I be able to back-test (e.g. using BluePicks and additional filters)?
c. Is there an update on the date for the merge? 

3. How will the pricing work for current IR members?
a. Will we get a (prorated) credit for current subscription fees?
b. Will the IR subscription be auto renewed if due before the merge?
@jonpildis,
Could you please also answer my other questions above?

7
BlueVestment / Re: BlueVestment and Interest Radar to Merge
« on: January 03, 2016, 04:01:47 PM »
I am simply pointing out that they refer to P2P-picks when they describe their BluePicks model. Thus, it seems that it is somehow based on the P2P-picks model.

8
BlueVestment / Re: Filter Questions
« on: January 03, 2016, 03:56:10 PM »
In your example, are you sure that Grade F loans would be excluded?

9
BlueVestment / Re: BlueVestment and Interest Radar to Merge
« on: January 03, 2016, 03:51:34 PM »
OK, maybe they have not updated the info on their website then. It still says:
"The BPM model includes the A, B & C graded notes that have the lowest probability of charge-offs. This will compare very closely to P2P-Picks Loss Minimizer "

10
BlueVestment / Filter Questions
« on: January 03, 2016, 03:31:30 PM »
Is it possible to select the BluePicks but only included specific grade(s)?

For example:
"BluePicks Aggressive" AND "F": would only include Grade F loans?
or
"BluePicks Aggressive" AND NOT "F" : would only include Grade D, E & G loans?
(I have not seen the NOT operator though...)

11
BlueVestment / Re: BlueVestment and Interest Radar to Merge
« on: January 03, 2016, 03:20:40 PM »
BlueVestment used to offer p2p-picks. Now there is something called BluePicks.
Is that based on p2p-picks or on IR-scores or are the two models now somehow combined?

See underlined below for your one question.

Great to see some ground truth Jon and very impressive results! Thanks for the post.
I've been a very happy IR subscriber the past couple of years that I've been P2P investing.
When you say largely driven by IR picks, and we know how quickly many loans are scooped up at LC release times, did you use IR's auto-invest feature to purchase the bulk of your notes?
First, thanks for your business!  I appreciate your kind words on my portfolio performance.  My XIRR tracking spreadsheet is showing my return is closer to 15%... I've never been able to track back to the LC calculations.

Yes, I used IR's auto-invest feature.  I also used BV's auto-invest with my own filtering.  As a customer of both services, I always wished I could combine IR's credit models with BV's execution engine (which is wicked fast).  Now that I've joined BV and we've merged with IR, my wish has almost come true.  Starting July 1st, the IR01-driven BluePicks recommendations will be available on BV.
That seems to be in somewhat contrast to what it currently states on their website:
"The BPM model includes the A, B & C graded notes that have the lowest probability of charge-offs. This will compare very closely to P2P-Picks Loss Minimizer "

12
BlueVestment / Account Settings?
« on: January 02, 2016, 04:27:36 PM »
What does "Cash reserve" mean? Does it mean that no more notes will be purchased when the cash reserve limit is reached. For example, If I set it to $1,000 and I have $1,500 in my LC account, notes will be purchased until my LC balance falls to $1,000 and then stop?


What does "Max invest per period" mean? What is the period? One day? One Calendar month? For example. if I set it to $2,000, will it invest up to max $2000 [for the calendar month]?

13
BlueVestment / Re: BlueVestment and Interest Radar to Merge
« on: January 02, 2016, 04:05:07 PM »
1. BlueVestment used to offer p2p-picks. Now there is something called BluePicks.
a. Is that based on p2p-picks or on IR-scores or are the two models now somehow combined? It seems to be based on p2p-picks based on the info on the website ""The BPM model includes the A, B & C graded notes that have the lowest probability of charge-offs. This will compare very closely to P2P-Picks Loss Minimizer ")
However, if it is based on IR-scores, according to the poster below, then:
b. Can you tell me how it relates to the IR01 & IR04 scores (I am trying figure out how to convert my current strategy)?
c. Why is p2p-picks not offered anymore?


2. If I understand correctly, only the BlueVestment website will be active after the merge?
a. If so, will it contain the features of IR?
b. For example, will I be able to back-test (e.g. using BluePicks and additional filters)?
c. Is there an update on the date for the merge? 

3. How will the pricing work for current IR members?
a. Will we get a (prorated) credit for current subscription fees?
b. Will the IR subscription be auto renewed if due before the merge?

14
How do I download the Lending Club Statements in Excel Format (rather than pdf)?

15
Interest Radar / Will you renew your IR subscription?
« on: January 18, 2014, 05:27:07 AM »
It appears that IR support is dwindling and the site has not been improved in a while.
Is it still worth it to subscribe to IR, even if you are not using FolioFn?

If you are a paid subscriber, will you renew (or have you renewed) your subscription? If so, is it because of the FolioFn features?

 

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