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Messages - Fudgenut

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1
Investors - LC / Re: Lending Club Portfolio Score
« on: February 06, 2018, 11:55:16 PM »

Taxable account
53.3/82 (winding down taxable account, sold most of the good notes on folio a while ago)

SEP IRA
53.3/82  (winding down IRA, sold most of the good notes on folio a while ago)

ROTH IRA
53.5/82  (stopped reinvesting recently, didn't sell notes on folio)

These are pretty good numbers.  Do you have a large volume of notes in each?

Note totals:

1836 (394 Issued/Current)
3968  (648 Issued/Current)
5577 (2401 Issued/Current)

2
Investors - LC / Re: Lending Club Portfolio Score
« on: February 06, 2018, 02:56:08 PM »
Taxable account
53.3/82 (winding down taxable account, sold most of the good notes on folio a while ago)

SEP IRA
53.3/82  (winding down IRA, sold most of the good notes on folio a while ago)

ROTH IRA
53.5/82  (stopped reinvesting recently, didn't sell notes on folio)

3
Foliofn - LC / Re: Folio: Cancel Notes
« on: December 12, 2017, 02:34:56 PM »
Two more phone calls, no luck so far...I'll keep trying.

4
Foliofn - LC / Re: Folio: Cancel Notes
« on: December 11, 2017, 07:02:12 PM »
I called LendingClub and they said they can't help me, and directed me to folio.  I called folio and the guy didn't even know what an API was and said they didn't even have one.  Sigh....

Does anyone know what the endpoint structure is to cancel notes?  Thank you!

5
Foliofn - LC / Re: Folio: Cancel Notes
« on: December 11, 2017, 11:16:26 AM »
Thanks for the reply, but that is what I consider the manual process.  I am posting notes via the folio API and am looking for an automated way to cancel all the notes for sale so that they can be repriced.  Another API endpoint, a post request, etc. 

Thank you!

6
Foliofn - LC / Folio: Cancel Notes
« on: December 10, 2017, 07:34:15 PM »
Is there an automated way to cancel all the notes you have for sale on folio?

7
Investors - LC / Re: API Broken
« on: September 15, 2017, 12:52:18 PM »
Works now.  Needed to add showAll=true to the end...

8
Investors - LC / API Broken
« on: September 15, 2017, 11:06:26 AM »
The loan listing endpoint of the LendingClub API (https://api.lendingclub.com/api/investor/v1/loans/listing) appears to not be working properly.  It is only returning 12 notes, even though there are over 200 listed when viewing them on the platform.  Anyone else encountering this problem?

9
Foliofn - LC / Re: Folio API Stopped Working
« on: May 09, 2017, 11:47:30 AM »
Found the problem.  It looks like there is now a limit of 125 notes in the sell order per request.

10
Foliofn - LC / Folio API Stopped Working
« on: May 06, 2017, 03:29:58 PM »
I've been using the LendingClub Folio API successfully for the past few months.  Today I started getting a "Bad Request" error returned, despite not changing any code.  Anyone else experiencing issues?

11
April 2, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.14%
Weighted Average Interest Rate:   18.58%
Weighted Average Age of Portfolio:   26.2 mos
Number of Notes:   5,251

A(0.0%) B (4.8%) C(20.7%) D(43.3%) E(21.9%) F(7.6%) G(1.8%)
Payments  36(39.0%) 60(61.0%)

COMBINED
vs All Accounts:
93.76
vs Similar Age Accounts:
98.82
vs Similar Age and WAIR Accounts:
98.19


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.55%
Weighted Average Interest Rate:   18.67%
Weighted Average Age of Portfolio:   27.0 mos
Number of Notes:   4,420

A(0.0%) B (4.4%) C(22.0%) D(42.3%) E(21.4%) F(8.3%) G(1.7%)
Payments  36(36.9%) 60(63.1%)

FOLIO COMBINED
vs All Accounts:
91.74
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
94.69


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.04%
Weighted Average Interest Rate:   18.94%
Weighted Average Age of Portfolio:   25.8 mos
Number of Notes:   2,046

A(0.0%) B (0.0%) C(11.4%) D(50.8%) E(27.2%) F(9.2%) G(1.4%)
Payments  36(20.5%) 60(79.5%)

FOLIO COMBINED
vs All Accounts:
89.32
vs Similar Age Accounts:
95.03
vs Similar Age and WAIR Accounts:
91.71

12
Foliofn - LC / Is this legal?
« on: March 04, 2017, 01:13:39 PM »
Let's say you have a ROTH folio account and a cash folio account.  If you post a note for sale for a very large amount from the ROTH account, and then purchase it from your cash account, you could effectively move as much money as you wanted into your ROTH account.  I'm guessing this is illegal somehow, but our tax system is so screwed up I thought I'd check!

13
Feb 3, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.43%
Weighted Average Interest Rate:   18.88%
Weighted Average Age of Portfolio:   25.5 mos
Number of Notes:   5,251

A(0.0%) B (0.7%) C(19.3%) D(46.0%) E(23.8%) F(8.2%) G(1.9%)
Payments  36(33.6%) 60(66.4%)

COMBINED
vs All Accounts:
94.81
vs Similar Age Accounts:
98.66
vs Similar Age and WAIR Accounts:
97.34


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.84%
Weighted Average Interest Rate:   18.95%
Weighted Average Age of Portfolio:   26.3 mos
Number of Notes:   4,212

A(0.0%) B (0.7%) C(20.7%) D(44.7%) E(23.2%) F(8.8%) G(1.8%)
Payments  36(31.5%) 60(68.5%)

FOLIO COMBINED
vs All Accounts:
92.87
vs Similar Age Accounts:
97.43
vs Similar Age and WAIR Accounts:
93.51


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.33%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   24.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(9.9%) D(53.7%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.1%) 60(77.9%)

FOLIO COMBINED
vs All Accounts:
90.53
vs Similar Age Accounts:
95.48
vs Similar Age and WAIR Accounts:
92.38

14
December 3, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.69%
Weighted Average Interest Rate:   19.04%
Weighted Average Age of Portfolio:   24.9 mos
Number of Notes:   4,977

A(0.0%) B (0.0%) C(15.7%) D(48.2%) E(25.2%) F(8.8%) G(2.1%)
Payments  36(27.9%) 60(72.1%)

COMBINED
vs All Accounts:
95.55
vs Similar Age Accounts:
98.52
vs Similar Age and WAIR Accounts:
97.16


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.11%
Weighted Average Interest Rate:   19.13%
Weighted Average Age of Portfolio:   25.6 mos
Number of Notes:   4,002

A(0.0%) B (0.0%) C(17.1%) D(46.8%) E(24.6%) F(9.4%) G(2.0%)
Payments  36(25.8%) 60(74.2%)

FOLIO COMBINED
vs All Accounts:
94.06
vs Similar Age Accounts:
97.89
vs Similar Age and WAIR Accounts:
97.81


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.58%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   22.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.8%) 60(77.2%)

FOLIO COMBINED
vs All Accounts:
91.27
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
92.15

15
November 2, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.91%
Weighted Average Interest Rate:   19.12%
Weighted Average Age of Portfolio:   24.5 mos
Number of Notes:   4,817

A(0.0%) B (0.0%) C(13.4%) D(49.1%) E(25.9%) F(9.5%) G(2.1%)
Payments  36(24.2%) 60(75.8%)

COMBINED
vs All Accounts:
96.01
vs Similar Age Accounts:
98.64
vs Similar Age and WAIR Accounts:
96.59


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.34%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   25.2 mos
Number of Notes:   3,894

A(0.0%) B (0.0%) C(15.3%) D(47.4%) E(25.2%) F(10.0%) G(2.1%)
Payments  36(22.5%) 60(77.5%)

FOLIO COMBINED
vs All Accounts:
94.17
vs Similar Age Accounts:
97.64
vs Similar Age and WAIR Accounts:
96.05


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.00%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   21.3 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.5%) F(8.6%) G(1.3%)
Payments  36(23.1%) 60(76.9%)

FOLIO COMBINED
vs All Accounts:
92.46
vs Similar Age Accounts:
97.41
vs Similar Age and WAIR Accounts:
95.87

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