=================================================================================================
I think it is great that you both have the common interest and she likes being a little ahead of dad. Good stuff.
You have quite a few notes for a great diversification.
Have you considered using LendingRobot and doing custom rules (filters) similar to what you like? You can also use their "expected return" rule which is like their "credit model" to help you pick notes and then add on some other criteria that you feel strongly about. Often "credit models" take into account a lot of relationships between criteria (i.e. if public records > 0 but occured a long time ago then still "ok").
You can use my referral link in my signature line (extra $5K for each of us of investing) or simple go directly to their site. No big deal either way to me. (I was a computer operator as a college job using punch cards
)
[/quote]
=================================================================================================
LA Scott,
First, the only P2P accounts my family has are Prosper. I was watching them for a few years and after Prosper 1.0 crashed and burned and after the Great Recession I worked up the nerve to open an account in the fall of 2012. The Fed's ZIRP was a big motivator. In hind sight I might have been better off with Lending Club but it is what it is.
I was very excited when Bryce Mason showed up with P2P in 2013(?) but it took forever for him to get around to Prosper and I lost interest. I recently noted he has moved on.
Lately I have been encouraged by the consolidation to only FOUR third party tools space for retail investors. I like to let "natural selection" work and let the "market" reduce my number of options. Assuming the strong survive.
NSR Invest
LendingRobot
BlueVestment
PeerCube
http://www.lendacademy.com/the-state-of-the-retail-investor-in-p2p-lending/Recently I have looked at Lending Robot and went so far in their registration process to get on their "mailing list". I was thinking of opening one of their small accounts (Less $5k) with the intent of running a trial.
Since Lending Robot is here in the Emerald City I also plotted their offices on Google Maps with the intention of making an unannounced visit when I was in the neighborhood.
I remember
when doing DD on Prosper trying to penetrate their facility in SFran only to be rebuffed. But I did manage to ambush a woman employee in the elevator and got lots of good info. LOL
Last week I did click on all the links in your signature line and looked around.
I was considering starting a sting here with the intent of trying to collect the pros and cons of each of the remaining four providers. Does anyone know if that thread already exists? I have never seen it.
SeattleSun
Show Posts
