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Topics - Bilgefisher

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Investors - P / auto quick invest improving?
« on: September 25, 2013, 02:20:41 PM »
I have noticed an uptick in my auto quick invest loans. My quick invest is hitting at 4x the volume it was just two weeks ago.  Is this a fluke or is anyone else seeing the same trend?

Investors - LC / non issued loans are wasting my time
« on: July 26, 2013, 11:14:07 AM »
How much money have you not gained due to non issued loans.  Around 25-50% of my loans go 2 weeks of "in funding" only to be canceled.  Two weeks of interest across a significant amount of my portfolio begins to add up.  This does not even account for lost time in locating new loans.

I appreciate the fact that LC is vetting these loans, I just wish they would do it prior to the funding point.  They have to vet the loans anyway, why not do it on the front end prior to the investor even seeing those loans?

Is there something I am missing?

Interest Radar / Thank you
« on: April 12, 2013, 02:25:13 PM »

I just wanted to thank you for creating your service.  I have used it as my primary source research when investing in LC.    Your constant improvements are also much appreciated.  I'm sure others feel the same way.


Suggestions / alternate investing
« on: March 29, 2013, 09:50:23 AM »

you have an off topic forum, and there are a few posts on different forms of investing.  Would it be possible to create a sub forum for investing not related to p2p.


Interest Radar / Current Listings
« on: March 13, 2013, 07:16:05 PM »
The current listings checkbox is not saving and is defaulting to $25 despite saving it to another amount.  I have to go into each of my saved searches manually to see if there are any loans available.  IS this a bug or default?

Investors - P / Where are the repeat borrowers?
« on: December 21, 2011, 12:25:06 PM »
It sure seemed like the repeat borrowers dried up in Dec.  Either that or more people have them on autoinvest.

My idle money is growing faster than I can invest it.

Any thoughts?

General P2P Lending Discussion / Why Folio?
« on: November 03, 2011, 02:47:14 PM »
With all the issues with using Folio, why have prosper and lending club not switched to another platform?

Off Topic / Favorite Beer
« on: October 28, 2011, 02:00:26 PM »
Whats everyone's favorite beer out there.   Here in Colorado we have over 105 Microbreweries with 1000's of beers to choose from.

MY favorite is 90 Shilling made by Odell's out of Fort Collins, CO.  Its a amber ale that goes well with most meaty meals.

General P2P Lending Discussion / DTI ratio's
« on: October 26, 2011, 02:51:13 PM »
Ive been playing with the lendstats calculators again.

I found that the lower DTI ratio's may not always be best.  The best returns are for loans within 30-40% DTI.  Lower DTI's actually have a higher default rate. Not entirely sure the reason.

When I started looking at only D, E and HR loans on prosper, a lower DTI proved to be be better.
I found repeat borrowers (30 payment minimum) in D-HR with lower DTi gave some of the best ROI provided.  Loans are limited though and that certainly has an effect.  But with 190+ loans with a ROI of 24% its certainly a bit of an eye opener.  The avg loan age was 10 months.

Any other observations out there on this?

In effort to spur discussion on the forums here is a interesting topic I propose.

Do you diversify your p2p investment either via loan grade or smaller loan amounts and why?

Personally I invest in $50 to $200 amounts to save time.  I don't invest more than that per loan to maintain my ability to quickly sell notes on folio.  I also don't invest in lower interest rate loans even though the perceived risk is less.

Other thoughts?

Investors - P / Do prosper changes, change your investing strategy?
« on: October 20, 2011, 04:38:54 PM »
For instance, with prosper lowering their repeat borrower interest rates, have you lowered your minimum interest rate to lend?

There are many other examples.  Say when prosper increased the interest rate overall on borrowers.  Did anything change for you?

General Prosper Discussion / Do you invest in cashback listings?
« on: October 06, 2011, 11:41:04 AM »
Do the cashback listings sway your investing in one way or another?

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