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Messages - rockinray

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Off Topic /
« on: February 23, 2017, 12:00:00 AM »
Anyone else take a look at this site -

I dropped $1000 in for the second stage of their current project just to get my feet wet.

Thoughts on oil crowdfunding?
General Discussion / Fundrise
« on: January 28, 2017, 12:00:00 AM »
I've got $5500 in FR - Income eREIT. It has done well for me so far.

Returns are just under 11%.
I'm doing the Fundrise Income eREIT for a test. Cannot say too much about it yet.

We are due our first dividend payment in mid-April.

So far so good, and hope this goes well for the long term.
LendingRobot / LR - fully automated investing?
« on: February 26, 2016, 12:00:00 AM »
Hi all -

I'm trying to decide if I want to use the Fully Automated Investing option for my Prosper account with LR.

Typically, I have set my own filters (I mostly invest in AA-C notes), but now I'm wondering if I should set an expectation of an 8% return and turn on Fully Automated?

What do you all do? Pro's and con's? If you use Fully Automated, how are the notes performing?

Here is my current filter:

Max. Debt / Income: No more than 50%, Home Ownership: Owns, Public Records (10y): No public records, Grade: From AA to C, Annual Income: $50,000 and more, Employment Status: Employed, Full-time, Inquiries (6m): No inquiries, Public Records (12m): No public records, Employment Length: At least 12 months, Loan Purpose: Debt consolidation, Home improvement, Other, Delinquencies (7y): No delinquency, Term: 36 Months

I would appreciate any feedback on this.

Thank you!

General P2P Lending Discussion / How to fund Fundrise account?
« on: January 27, 2016, 12:00:00 AM »
I'm in this eREIT too. So far, $5,000 in for a test to see how they perform.

The eREIT now has 5 properties in the portfolio with a goal of 20. Looks like we will get quarterly payments and they will ACH those payments back to your account.

They claim a good return and I think the goal for the eREIT is 15%. That might be a bit aggressive in my opinion. They would have to invest in some really low grade stuff to make that number. I think right now with the current investments, they are looking at about a 12.5% return.

I checked with them about a self directed IRA. They can do this but it sounds like a pain to set it up, so I;m just leaving mine on the taxable side.

Cool stuff here if it all works!

LendingRobot / New sign ups get an extra $5000 managed free
« on: January 10, 2016, 12:00:00 AM »
If anyone would use mine, that would be awesome and thank you!

P2P-Picks / Closing P2P-Picks Newsletters and Your Alternatives
« on: June 08, 2015, 11:00:00 PM »
Hi Bryce,

Thank you for everything you have done for us and good luck with your new adventure!   8)

Investors - LC / Credit Grade filter
« on: April 26, 2015, 11:00:00 PM »
I think you will find that under Interest Rate.

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LendingRobot / Secondary market automation
« on: March 04, 2015, 12:00:00 AM »
+2,000.  I would also be interested!

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Investors - LC / Not worth the returns after taxes.
« on: February 22, 2015, 12:00:00 AM »
So let me make sure I understand this... I'm kind of dumb from time to time.   :o

My wife and I already max our 401k, HSA, and Roth IRA's, and we do not qualify for a traditional "pre-tax" IRA. But, if I read correctly here, I can open an IRA and fund it without the tax credit, and everything grows tax free until I start to pull it out?

Am I understanding this correctly?
P2P-Picks / Donation Page Up
« on: December 14, 2014, 12:00:00 AM »
Great move Bryce.

I will make a donation today. Your service is awesome. I wish Nathan at BV would put a similar page up.


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Investing - General (not P2P) / Robinhood?
« on: December 13, 2014, 12:00:00 AM »
I got my invite too and I went ahead and signed up just so I could see how all of it works.

Main stuff is with Fidelity and Vanguard. This might be a "play money" account.
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