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Messages - edward

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Bryce Mason of P2P-Picks just posted this under his sub-forum heading

P2P-Picks / Re: Intersection of PMax and LMin?
« on: May 19, 2014, 04:13:35 PM »
I'd also like to see how many notes of each grade, say for the last quarter, are in each of the segments. For example, such as below for Loss Minimizer. There would be another table for Loss Maximizer. To be clear, this is just a made up list for demonstration purposes only. This would help me, and probably others, decide what grade and to what percentile of P2P Picks, we need to go to meet our investment dollars.

             5%        10%        25%
A           100        200         450
B             25         50           75
C              8          12           25
D              4            6            8
E               2            3            5
F               0            0            2
G               0           0            0

Interest Radar / Re: New Feature: Never Late filter
« on: May 14, 2014, 04:25:25 PM »
Thank you, Rev for your work. I'll be checking it out!

Investors - LC / Re: LC database sloppiness
« on: April 23, 2014, 07:41:25 PM »
Not sure why you need to act so harsh to posters.

I agree with your concern, lascott. Some people on here, as knowledgeable as they are, just haven't mastered basic manners. Even if someone makes a mistake or doesn't understand something, we should be helping each other, or at least having a civil discourse while we exchange opinions under an inviting atmosphere. I'd bet there are some of this formum's followers who want to ask a question or make a comment, but once they read some of the postings on here, don't dare ask a question or try to contribute. I wish the forum was friendlier. I've learned so much on here, but somedays I hate having to wade through all the muck to get there.

Investors - LC / Re: Anyone catch this job title this morning?
« on: April 11, 2014, 03:54:54 PM »
Interesting. Maybe IR interprets "not on listed notes for sale", but "not yet issued" as cancelled. Thanks for pointing that out.

Investors - LC / Re: Anyone catch this job title this morning?
« on: April 11, 2014, 03:49:12 PM »
I was going to look at Interest Radar's word score on this loan, but IR shows the loan cancelled. I use IR and do use their word score as a filter. When I remove it, the expected rate of return almost always goes down, so perhaps word scores have some value. Of course now, few borrowers write anything on their application, so not sure if it helps as much. May be more useful on Folio with the older notes where words are still there to score!

Interest Radar / Re: Back up
« on: April 10, 2014, 12:30:57 PM »
Thank you Rev for your work!

Investors - LC / Re: feedback on a statistical model built in Excel
« on: April 02, 2014, 03:54:56 PM »
That's an amazing spreadsheet. Thank you so much for sharing! It confirms most of my filter choices, but gives me some new issues to look at as well.

Interest Radar / Re: Auto-sell and Inventory Management not working
« on: March 28, 2014, 05:39:17 PM »
Thank you, Rev!

Investors - LC / Re: Folio Traders - Roll Call
« on: March 06, 2014, 08:46:42 AM »
Folio is about 95% of my trading ($800 per month mostly $15 or less buy price each), with a few new notes selected through filters each month. I use Interest Radar for all actions and filters. I'm 99% buy-and-hold.

Interest Radar / Re: "Buy" Function on IR once again Operable!
« on: February 19, 2014, 08:05:34 PM »
I found using the actual links in the directions (other than the buy button of course) works better than trying to use the buttons on the right like we used to do.

I've frequently supported IR on this forum, and I continue to support and use IR. As to your point, before Rev dropped out of sight, in my personal email contact with him, I frequently urged him to raise his price. I'd be glad to pay more for the great product. But I also have to agree that once you've set your price then you need to provide at least the minimal amount of support to keep the product up and fully running until your next price increase. Rev had probably set his prices on a fairly stable LC platform, but when LC starting making more frequent changes to their platform it caused a much higher level of support requirements than he had anticipated.  So bottom line, I'll gladly pay more so long as IR keeps up with the changes in a timely manner.

Interest Radar / Re: Will you renew your IR subscription?
« on: January 23, 2014, 05:56:10 PM »

Well, with the lack of upkeep on IR, this may influence some regarding renewal. Still works on buying new notes, and still has some unique and useful features, but without the Folio ability, it's value is lessened. Yes, it's still worth the $60 for the other features, but darn, I just gotten really into buying off Folio.....

Investors - LC / Re: What's This "Best Note" Selection Business Anyway?
« on: January 23, 2014, 05:46:02 PM »
For those of you with a credit granting background, does LC see the FICO history when they run an inquiry or just the snapshot at that moment in time? In your experience, would it make any difference if they did--that is, how predictive is past FICO of future repayment likelihood?

Interest Radar / Re: Will you renew your IR subscription?
« on: January 18, 2014, 07:02:16 PM »
IR, even with its problems, still offers services that I find very valuable. So long as it continues a viable level of functionality and the services that I use it for continue to perform, I will renew. For me the Folio searching is the most valuable, followed by the IR scores, and then the ability to perform analysis of historical note data. I just have to keep in mind its known limitations and be aware of what is obviously incorrect data in some of its analyses.

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