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Messages - James Adams

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General P2P Lending Discussion / Re: Mintos P2P lending platform
« on: July 18, 2019, 05:01:45 AM »
Thank you for such an informative review. Can you make such a review about property crowdfunding model?

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General P2P Lending Discussion / Re: ViaInvest P2P Lending Platform
« on: July 18, 2019, 04:59:40 AM »
Thank you for the info, but I personally prefer real estate crowdfunding to peer-to-peer lending, because, in my opinion, it offers more room for diversification and bigger stability. I recently invested in a real estate marketplace, Realtybundles that even offers assets for investment in different countries, I chose Germany and France. Have you heard about this platform? And in general, what do you think about property crowdfunding? Am curious to know which model you prefer: peer to peer or CR.     

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Investors - LC / Re: LC new interest rates July 2019
« on: July 15, 2019, 02:52:24 AM »
Thank you for updates. It's a good info, and was really helpful.

4
Don't know if everyone noticed this Fed working paper referenced by Peter in his blog post this week.
If not here's the link. Pretty interesting reading. Much better than that very poorly done Fed working paper published then retracted a few months ago.

This final sentence from the abstract got my attention:
"We also find that the portion of LendingClub loans increases in areas where the local economy is not performing well."

Also from the body of the report:
"Interestingly, in columns 3 and 4 of Table 2, the share of LendingClub loans in a local area is positively related to unemployment and negatively related to the home price index and per capita income, indicating LendingClub may gain market share in areas where economic variables indicate a more challenging environment."

https://www.philadelphiafed.org/-/media/research-and-data/publications/working-papers/2018/wp18-13.pdf?mod=djemFinancialRegulationPro&tpl=fr

Thank you for the info! I am also interested in the loans as the investor so this info may come in handy. 

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Investing - General (not P2P) / Re: You Have to Invest
« on: February 12, 2019, 03:34:21 AM »
I am fan of writings of Ben Carlson. I thought his latest blog post sums up very well why we have to invest. John Bogie is channeling Yoda ...

You Have to Invest
http://awealthofcommonsense.com/2016/06/you-have-to-invest/

Quote
Investors are constantly bombarded with negatives these days. Everywhere you look thereís someone telling you why you canít invest in certain asset classes or strategies:
  • You canít invest in bond substitutes because those investments are far too risky and require something of a chase for yield.
Well, you can only control what you can control. I think whatever your view of the world is, you have to invest. You canít put the money in the mattress and in this day and age of low interest rates, you canít put it in the money market fund or a bank CD, so invest, you must.....

Thank you very much for the interesting info! I also think that it is a good idea to invest and find new innovative ways to do it.

6
It seems many folks on the forum have been disenchanted with Prosper and Lending Club for various reasons but mainly returns. I continue to invest in these sites but do not allocate any "new" money since my returns have steadily gone down over the past few years.

Most of discretionary income goes towards Real Estate Crowdfunding sites and I have done much better from a return perspective than I do in Consumer loans. It is still early in this genre but patterns are developing and there are clear leaders in the industry.

Please check out my review below................

Thank you for your review! I am new to crowdfunding, but I would also add realtybundles. I liked their of ready-made investments packages in different European countries. As I saw on their website, they have properties in Germany, Italy, and Hungary.  What do you think about them?


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General Discussion / Re: Any recommendations for RE crowdfunding?
« on: February 08, 2019, 03:44:52 AM »
I'm looking for recommendations for any real estate crowdfunding opportunities to consider, along with an explanation of why the site deserves consideration.
Am looking to diversify (currently invested at LC and Prosper) into real estate.
Thanks in advance and HAPPY NEW YEAR!
Hi there! If you are looking for property crowdfunding platforms, I would suggest Realty Bundles. They have this really interesting idea about investing in properties in different countries around Europe. I do think they bring another level of diversification to investing.

8
Thank you for the information about China! Personally, I prefer to invest in Europe, I am old-school :) but sure there can be potential in China as well.

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Investing - General (not P2P) / Re: where to invest further
« on: January 25, 2019, 04:50:53 AM »
I like the idea of property crowdfunding. It is something that seems modern to me, because we are all connected through social media and we can always pool together funds if we like some real estate project.

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