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Topics - nonattender

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Investing - General (not P2P) / Chris Larsen's Talk at LendIt 2018
« on: April 10, 2018, 02:02:46 PM »
For those of you who were around in the early days of this space (and have fond memories of getting to play with a new toy):

Off Topic / Google Finance Redesign Sucks
« on: March 19, 2018, 04:19:00 PM »
First they fuck up "News", by "helpfully" limiting it to a picture and a story or two - now they fuck up "Finance", removing all volume info.

At many points during most days, I will interrupt my reading (or be interrupted by it), to go and take a quick eyeball at particular issues.

Does anyone have a workaround (other than migrating my queries over to Yahoo, which I am now doing) for the "helpful" new "Google Finance" redesign - wherein charts no longer contain or show any volume information (what idiot decided to leave that out)?  Once again, I am not a fan.

This sort of thing is becoming a pattern...

Off Topic / Google News Redesign Sucks
« on: June 27, 2017, 08:25:12 PM »
Not even clearing my cookies can restore Google News to its old format...  I am extremely angry at Google, today.  They have stripped out all of the URLs in news results, making it impossible to gauge the source based upon anything but Google's attribution.  And they are now "fact-checking" ("let us be the arbiters of Truth") for the masses, through a bunch of idiotic "authorities" that they have somehow chosen.

Assholes.  Total fucking assholes @ GOOGL.

Where do I go for news aggregation, now?

Maybe Yahoo will now steal Google's old layout - just as Google has today stolen Yahoo's layout.

Is there a SCHOLAR.NEWS.GOOGLE.COM or something?  Can people who can read opt out of this clunky, large-font, picture-heavy, time-sucking bullshit?  ................... So angry.

"Cut down on clutter" = "Show only preferred headline" / "force more user interaction/clicks" / "satisfy loser, nerd 'data scientist' idiots"

Off Topic / Calling BS on Big Data
« on: May 12, 2017, 01:46:29 PM »

Great idea for a class.  I don't know that this will replace teaching critical thinking skills over "social sciences" - but it's a start...

General Discussion / List of US P2P Real Estate (Crowdfunding) Platforms
« on: December 23, 2016, 02:22:44 PM »
Alright, boys - who you playing with (or considering playing with), currently?

I haven't been paying much attention, but I think 2017 might finally be RE...

Please add any relevant names, below - I am sure I've missed a lot of stuff.
(Thanks; I will put any additionals into the list, below, to keep it at the top.)


CrowdStreet - - Accredited Investors
Fundrise - - Accredited Investors
GroundFloor - - Accredited & Retail Investors (8 states + DC)
Lending Home - - Accredited Investors
Patch of Land  - - Accredited Investors
Peer Realty - - Accredited Investors
PeerStreet - - Accredited Investors
Real Crowd -- - Accredited Investors
Realty Mogul  - - Accredited Investors
RealtyShares - - Accredited Investors
ShareStates - - Accredited Investors
SoFi - - Institutional Investors

Off Topic / Cash Parking
« on: December 11, 2016, 06:40:30 PM »
Did not see many good high yield savings / CD / etc offers over the holiday, this year.  Did anyone find anything that I missed?  Looking for somewhere to stash cash (FDIC/NCUA - maybe, maybe a MMA), with upper limit of at least 50-250k (no "rewards checking account" type stuff, where I've got to get a debit card and remember to use it ~10-15 times per month, unless it's got a really high balance limit - none of this "3% on up to $20k" stuff - and, hopefully, w/an APY somewhere north of ~2.00%, just to keep up.

Best offer I saw was Andrews FCU doing a 3-month CD at 3.00% APY... but that's a lot of time on the phone/setup (w/a hard cred pull), for such a short duration.

Anyone got anything good to share?

Investors - P / Kudos to Prosper
« on: May 14, 2016, 12:38:12 AM »
Credit where credit is due:

Getting that bankruptcy remote vehicle in place to protect your retail investors has turned out to be a hugely pro-consumer move.

You didn't have to do it, and you basically totally abandoned us retail investors in favor of chasing institutional dough, after you did it, anyway, but, hey, you did actually do it.  And that was the absolute right call.

Well done.


Short version:  Est. loss of $.07, Actual loss of $.18;  Guided down for full year, keeping more debt on the balance sheet.

Never been a fan of online small/medium business lending - much less of the balance sheet model (newspeak: "hybrid").
(LendingClub and Marketplace Lending Association are definitely on to something, trying to distance from these models.)

General P2P Lending Discussion / Tempted by RealtyMogul?
« on: February 13, 2016, 01:42:27 PM »
Here's an SA article on LC by RealtyMogul's Chief Information Officer, Timothy Li...

Still tempted to invest in RealtyMogul, despite how intellectually honest Li seems?


Investors - LC / Rate Export & Risk Retention
« on: August 14, 2015, 04:22:53 PM »
So, w/Madden v. Midland (at least looking like it's) headed to the supremes, any speculation on how this plays out in mean-time?

The risk retention rules which were finalized last October kick in in 2016, anyway, and I've seen no chatter or rulings on whether
"marketplace loans" are not subject to those, so, originating banks holding some piece of the loan on their book seems certain...

Who wins?  Who loses?  What novel structural deals are possible?  Etc...

To me, it looks like the platforms are going to become very, very tightly integrated with the originating banks.  Almost "captive"...
Goldman specifically said yesterday that its purchase of GE Capital (an Utah-chartered industrial) had nothing to do with online...

So, I take that unsolicited denial to mean it had something to do with it... ;)

General Lending Club Discussion / Bose-Einstein Condensates
« on: July 09, 2015, 04:04:48 PM »


LC partnering with Sam's Club to offer $5,000 to $350,000 small business loans to Sam's Club membership.

Is that good news?  That sounds like good news.  :)

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