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Messages - jennrod12

#1
I got it.  Also winding down.  I didn't open it.
#2
This is how I did it.  From Summary/My Notes at a Glance I pulled up all my charged off loans.  I set the dropdown choice for how many loans to show on a page to "All".  Then I used Ctrl-F to open a search window and put in the Loan ID of the loan that had recoveries.  That found it for me.

I have never sold a loan, so I don't quite know how that would factor into the equation.  But I wouldn't be very happy as a loan buyer to know that, if one of the loans I bought on the secondary market was charged off, recoveries would go back to the original owner!

Jenn
#3
Investors - LC / New Platform
December 31, 1969, 06:00:00 PM
Portfolios were the linchpin of managing my notes!  I will email them, too.

Jenn
#5
Investors - LC /
January 05, 2018, 11:00:00 PM
Did I miss the last one?  I have to apologize for not being as diligent the past few months since I've been letting my accounts wind down.  Here's my report, but if it's too late to get added, that's fine.  Thanks for all the fun posts!

Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return:   3.36%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   26.8 mos
Number of Notes:   200
Number of Active notes: 116

A(1.2%) B (18.7%) C(40.9%) D(27.1%) E(9.5%) F*** (2.6%) G*** (0.0%)
Payments  36(98.3%) 60(1.7%)

vs All Accounts:38.29
vs Similar Age Accounts:34.64
vs Similar Age and WAIR Accounts:33.30

Jenn
#6
Investors - LC /
September 02, 2017, 11:00:00 PM
Jennrod12 "buy & hold" account - I missed last month, sorry about that!

Adjusted Net Annualized Return: 3.73%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   22.6 mos
Number of Notes:   200
Number of Active Notes:   126

A(1.2%) B (21.2%) C(41.2%) D(25.3%) E(8.4%) F(2.6%) G(0.0%)
Payments  36(98.8%) 60(1.2%)

vs All Accounts:  36.87
vs Similar Age Accounts:  38.53
vs Similar Age and WAIR Accounts:  36.71

Not much action in this account these days, other than continuing monthly payments and early payoffs.  However, the return is down to "3.73%" on the Lending Club landing page.  23 of the original 200 loans have charged off, 51 have paid off  (22 mos average age).  I'm also holding in my much larger IRA account, and haven't re-invested any this year, charge-offs keep piling up there (account opened late 2015, at the worst time, I know, but I put money into it through 2016 and never saw any improvement, so I've stopped).

Thanks,

Jenn
#7
Off Topic / Google News Redesign Sucks
August 11, 2017, 11:00:00 PM
Seems like the old feed style is back on Google News.

Jenn
#8
Investing - General (not P2P) / High Yield Savings
August 11, 2017, 11:00:00 PM
Anyone else here buy I-bonds?  You can only invest $10k each year now, but my husband and I each buy them and it adds up after a while.  The base rate is low or nonexistent now, but they typically pay in the 2-3% range per year, and will go up if interest rates go up.

Jenn
#9
Investors - LC /
June 24, 2017, 11:00:00 PM
Thanks for the updated chart.  Hope you're doing better!  I hope your son is doing well, too, from the pic it looks like it was a traumatic experience.

Jenn
#10
Investors - LC /
June 03, 2017, 11:00:00 PM
Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return3 ?:   4.04%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   19.6 mos
Number of Notes: 200
Number of Active Notes:137

A(1.8%) B (21.7%) C(40.9%) D(24.6%) E(7.8%) F(3.2%) G(0.0%)
Payments  36(99.0%) 60(1.0%)

vs All Accounts: 29.47
vs Similar Age Accounts: 36.98
vs Similar Age and WAIR Accounts: 37.00

Drawing down my accounts (this one and my larger IRA account) as the funds trickle in.

Jenn
#11
Investors - LC / When will LC next raise rates?
May 05, 2017, 11:00:00 PM
Looks like May 1-15 won the poll!
#12
Investors - LC /
May 01, 2017, 11:00:00 PM
Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return: 3.82% - just awful!
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 18.5 mos
Number of Notes: 200
Number of Active Notes: 140 (40 fully paid, 20 (10%) charged off)


A (1.8%) B (21.6%) C (40.5%) D (24.7%) E (8.2%) F (3.2%) G(0.0%)
Payments  36 (99.0%) 60 (1.0%)

vs All Accounts: 25.46
vs Similar Age Accounts: 32.78
vs Similar Age and WAIR Accounts: 30.86

Thanks for compiling these stats!

Jenn
#13
Investors - LC /
April 01, 2017, 11:00:00 PM
Jennrod12 "buy and hold" account:

Adjusted Net Annualized Return:   4.11%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   17.5 mos
Number of Notes:   200
Number of Active loans: 144

A(2.0%) B (22.1%) C(40.5%) D(24.1%) E(8.0%) F(3.2%) G(0.0%)
Payments 36(99.1%) 60(0.9%)

vs All Accounts: 27.72
vs Similar Age Accounts: 38.95
vs Similar Age and WAIR Accounts: 40.10

My larger IRA account is doing a little better than this, but I am withdrawing funds and don't plan to continue with LC after I've aged out.  It's not worth the trouble.

Thanks for compiling these stats!

Jenn
#14
Investors - LC /
March 01, 2017, 11:00:00 PM
Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return3:   4.09%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   16.4 mos
Number of Notes:   200
Number of Active notes: 146

A(2.4%) B (22.5%) C(40.5%) D(23.6%) E(7.8%) F(3.1%) G(0.0%)
Term: 36(99.1%) 60(0.9%)

vs All Accounts: 24.77
vs Similar Age Accounts: 36.70
vs Similar Age and WAIR Accounts: 32.11

Seems to have slipped a bit this month, relative to others as shown in my ANAR Compare numbers.

Thanks for compiling this!

Jenn
#15
Investors - LC /
February 01, 2017, 11:00:00 PM
Jennrod12 "Buy & Hold" - 2/2/17

Adjusted Net Annualized Return3: 4.67%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 15.5 mos
Number of Notes: 200
Number of active notes: 153

A(2.4%) B(23.3%) C(40.8%)
D(22.9%) E(7.6%) F(3.1%) G(0.0%)

Payments  36 (99.2%) 60 (0.8%)

vs All Accounts: 31.89
vs Similar Aged Accounts: 48.16
vs Similar Aged and WAIR Accounts: 52.15