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Messages - Pebbles

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Interest Radar / Re: Yearly Fee
« on: January 14, 2013, 01:09:42 AM »
Sorta off topic...I would pay $1.99 for your smart phone app provided I could invest directly from the app  ;D.

General Lending Club Discussion / Best Lending Club Analysis Site?
« on: January 14, 2013, 01:06:07 AM »
I rely heavily on the analysis sites.  I recently had 3 notes go to grace period and all three notes were referred by the same analysis site.  Which LC analysis site have you had the most success with?

Interest Radar / Re: Terms Defined
« on: January 14, 2013, 12:50:58 AM »
I have no idea what you just said  :o.  I know you are working hard to make things easier/clearer for investors like me. 

Interest Radar / Yearly Fee
« on: January 12, 2013, 01:05:23 PM »
The upcoming yearly fee is pretty high for a poor gal like me.  I recommend a grandfather clause so that the yearly fee will always be the amount you were quoted when you signed up.  Raised fees would only apply to new members.  I'm just concerned because the fee is so high to begin with so I can only imagine what it may be in 5 years once we are all hooked.  Your thoughts?

Interest Radar / Terms Defined
« on: January 12, 2013, 12:58:57 PM »
I would like to see acronyms better defined for those of us investing in layman's terms.  The site seems to cater to the financial guru.  Each page should have a description at the bottom or to the side with acronyms defined.

General P2P Lending Discussion / Kiva Stats
« on: July 15, 2012, 01:27:23 PM »
What is your opinion of Kiva?  I invested $100 in micro loans just out of curiosity.  Any success stories?

Investors - P / Re: Class action lawsuit
« on: June 06, 2012, 08:51:40 AM »
Peter, your blog is so important to the P2P lending world that I questioned the credibility of the letter since it was not mentioned on your blog.  Soon as I got the letter I went straight to your blog to read about it.  Thanks for explaining why it wasn't covered.  The letter I received is almost identical to the info provided in the link.  Thanks Peter.

Investors - P / Re: Mobile Web
« on: June 02, 2012, 10:43:14 AM »
Very nice!

Investors - P / Class action lawsuit
« on: June 02, 2012, 10:26:09 AM »
Have you folks seen the class action lawsuit against Prosper?  I got the letter in the mail on yesterday (6/1/2012).  I'm not interested in participating in this lawsuit, but I'm wondering how this lawsuit could impact investors?

Update from peter on 7/19/13:

This lawsuit has now been settled. You can read more about it here:

Investors - LC / Roth vs. Traditional IRA
« on: December 18, 2011, 01:05:32 AM »
When it comes to Roth and Traditional one more advantageous over the other when it comes to P2P Lending?

Investors - LC / Re: Lessons Learned
« on: September 23, 2011, 09:07:41 AM »
I'm getting there.  I can't get over the 8.6% hump.  LC is still my best investment so I'm not too sad.  No payments posted to my new investment criteria/portfolio as of yet.  Those payments start in October and I expect my percentage to rise above average (fingers crossed).  I took Steamroller's advice via his analysis tool and I sold a bunch of notes with low rates as well as notes with down arrows and a bunch of inquiries.

Investors - LC / Lessons Learned
« on: September 22, 2011, 09:35:35 PM »
In the beginning I actually purchased several notes with 6+ inquiries.  Looking back I am not surprised that I had so many charged off.  Another thing that they had in common is that most of these defaults were renters and the loan amounts were small....$2K - $6K range.  After some hard lessons learned and a whole lot of reading I'm experiencing fewer defaults.  Wish I knew then what I know now.

General Lending Club Discussion / Re: The new Lending Club ad
« on: September 16, 2011, 07:35:50 PM »
About time :D!  I can't wait to actually see it on TV for myself.  I hope it brings more borrowers.  My criteria is so strict (thanks to all of the statistical tools popping up all over the net) that I have a hard time finding loans.

Introductions / Re: Welcome everyone to the Social Lending Network Forum
« on: September 14, 2011, 12:08:39 PM »
Hello everyone.  I'm so glad to have a place to go where I can pick your brains.  Hope this forum does not turn out like Prosper's original forum.  The members were so disrespectful towards one another.  The forum was shut down.  Not sure if Prosper started a new forum.  Anyway, I am very thankful for this forum and I will visit and contribute often.

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