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Messages - Fred93

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1966
Investors - P / Re: Prosper 1.0 Settlement
« on: May 24, 2014, 04:09:57 PM »
The judge's final order approving the settlement was only entered April 16, 2014.  At the speed of legal stuff, that's just a few seconds ago.

1967
Investors - LC / Re: Payment History File
« on: May 24, 2014, 01:01:00 AM »
LC allows the borrower to pick the day-of-month on which the payments are due.  They allow this to be plus or minus 14 days from the day-of-month on which the loan issues.

I think its a bit of an insult to lenders to tell us that the loan is going to be at a certain interest rate, and then add a 2 week delay, which reduces our effective rate.  However, LC views this as an advantage for the borrower, as they can choose a date conveniently after payday.

1968
Investors - LC / Re: Inflation / Will LC raise Rates?
« on: May 23, 2014, 04:20:06 AM »
That's all the assurance I need right there.  Those curves look exactly alike.  ;D

1969
Peer Lending Server / Re: LC changes broke PLS
« on: May 15, 2014, 08:07:28 PM »
John has repaired PLS.   I just updated to 5.8, and it is working again.

1970
Investors - LC / Re: Lending Club API Status?
« on: May 15, 2014, 03:50:37 PM »
You should know that it is very incomplete.  Everyone (that I know about) who has implemented it does screen scraping of some information also to fill in the gaps.

1971
NSR Invest / Re: firefox vs loss estimates fields
« on: May 15, 2014, 04:24:38 AM »
I know, you all think I'm crazy.

I rebooted tonite (for a different reason).  Still had the problem after reboot.

Here's another symptom:  The cursor. 

When I move the mouse cursor into some of the boxes (the bottom three) in the loss estimates column, the cursor changes from the arrow to the I-beam, as you would expect.  However, when I move the mouse cursor into one of the top six boxes in that column, the cursors STAYS an arrow!  Thus you can see that there's a difference even before you try to click.  (That is you can see this if you're on my computer that observes this problem.  If you're on my other computer, you can't see this, and I have no idea what you see on your computer.)

This is a more-strange-than-usual web problem.

1972
Still, this is one unbelievably impressive outlier.

Its not really an outlier.  Such points are EXPECTED in a normal distribution.  Read the book "Fooled by Randomness" by Nassim Nicholas Taleb
http://www.amazon.com/gp/product/0812975219/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0812975219&linkCode=as2&tag=nothankyou&linkId=VRVWSEK722Z3QDMP

1973
Peer Lending Server / LC changes broke PLS
« on: May 15, 2014, 01:06:51 AM »
Today's LC web site changes broke PLS.   It now logs the error "Unable to obtain available cash" and aborts.

Available cash is one of those things that is not available in the LC API, so one must screen scrape to get it.  Unfortunately, in today's change, LC added a crlf (ie carriage return / line feed) between the words "Available" and "Cash" in the HTML for the summary page, so anyone who was searching for the string "Available Cash" was immediately screwed.

1974
There might not be a best grade of loan.  I can see where LC attempts to have their underwriting criteria and interest rates balanced to provide an even return to investors for any given grade.

LendingRobot has a graph on this:
https://lendingrobot.com/data
Return by Sub-grade


By choosing to examine the set of "mature", ie completed loans, he is choosing a set which mostly ran during the financial crisis.  That bias may not be appropriate at present, depending on your world outlook.

1975
Investors - LC / Re: PRIME Rebranded as "Automated Investing"
« on: May 14, 2014, 09:48:08 PM »
Perhaps they did a survey and asked if people knew what prime meant. When they answered: 2, 3,  5, 7, 11, 13.... OK that's a stretch.

The folks probably said "Oh, that's where I pay you a fixed fee per month and then shipping is free? "

1976
General P2P Lending Discussion / Re: Peerform & Daric
« on: May 12, 2014, 12:58:07 AM »
After hearing about it here, I created an account on Daric tonite. 

Their web site is a joke.  Trying to link a bank account, I got only "500 error".  There are no loans visible to purchase.  Filters very very limited.  No phone number or address on web site.

1977
NSR Invest / Re: firefox vs loss estimates fields
« on: May 11, 2014, 04:27:46 PM »
I observed more about this problem today. 

It is still 100% repeatable on computer #1, but I noticed that it does occur not on computer #2 !  Both running same version of Firefox, same version of Windows, etc.

In other words, on computer #1, using firefox 29.0.1, those top six text boxes in the "loss estimates" column never get focus, and I can't type in them.

On computer #2, using same firefox 29.0.1, on same web site, all the text boxes work fine.

I thought maybe I had a plugin that was causing some trouble, so I restarted firefox in safe mode.  No change! 

I  thought perhaps my firefox profile was corrupted, so I created a 2nd one.  Starting firefox with the 2nd profile same problem.

Before y'all say this is obviously a local problem, because it happens on one computer and not another, note that this only occurs on the nickelsteamroller.com web site and no other, so that idea is symmetrical. 

Is there anything different about the first 6 text boxes in that column that could possibly explain this?

Anyone ever see such a problem?

1978
NSR Invest / firefox vs loss estimates fields
« on: May 10, 2014, 10:41:05 PM »
Thanks for your great work.

I'm having a problem on the nickelsteamroller site.  This problem appears only when I use Firefox, which is my normal browser.  (I'm using FF 29.0.1)

In lendingclub back testing, on the results options page, I'm having trouble with several of the "loss estimates" fields.  Specifically the top six fields don't work the same as the bottom three.

In the bottom three fields, I can click in the field, and its border lights up blue, and then I can type in the field.  In the top six fields, I click and nothing happens.  The border doesn't light up, and I can't type.

In IE on the other hand, all nine of these fields behave the same.

1979
It was LC themselves who provided written instructions of how to download to Excel.

When?  Where? 

1980
The display is asynchronous.  Things appear over time.  In almost all cases I see the fees appear before the payments.  Usually the lag is a few hours.  A result of this is that when I look to see how much my account has gone UP since yesterday, I often see that it has gone DOWN, because the fees have posted but the payments have not yet.  This is funky, but I just got used to it.

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