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Messages - rockinray

#1
Off Topic / Crudefunders.com
February 22, 2017, 11:00:00 PM
Anyone else take a look at this site - crudefunders.com?

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

Thoughts on oil crowdfunding?
#2
General Discussion / Fundrise
January 27, 2017, 11:00:00 PM
I've got $5500 in FR - Income eREIT. It has done well for me so far.

Returns are just under 11%.
#3
Investors - P / Kudos to Prosper
May 13, 2016, 11:00:00 PM
https://forum.lendacademy.com/index.php?topic=3825.msg1#msg1">Quote"> from: Rob L on May 14, 2016, 09:19:52 AM
#4
https://forum.lendacademy.com/index.php?topic=3722.msg1#msg1">Quote"> from: Fred93 on April 19, 2016, 07:24:30 PM
#6
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.
#7
LendingRobot / LR - fully automated investing?
February 25, 2016, 11:00:00 PM
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!

Ray
#8
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!

Ray
#9
If anyone would use mine, that would be awesome and thank you!

https://www.lendingrobot.com/ref/LvFIz390/" class="bbc_link" target="_blank">https://www.lendingrobot.com/ref/LvFIz390/

Ray
#10
Hi Bryce,

Thank you for everything you have done for us and good luck with your new adventure!   https://forum.lendacademy.com/Smileys/default/cool.gif" alt="8)" title="Cool" class="smiley" />

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


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#12
LendingRobot / Secondary market automation
March 03, 2015, 11:00:00 PM
+2,000.  I would also be interested!


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#13
Investors - LC / Not worth the returns after taxes.
February 21, 2015, 11:00:00 PM
So let me make sure I understand this... I'm kind of dumb from time to time.   https://forum.lendacademy.com/Smileys/default/shocked.gif" alt=":o" title="Shocked" class="smiley" />

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?
#14
P2P-Picks / Donation Page Up
December 13, 2014, 11:00:00 PM
Great move Bryce.

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

Ray


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#15
Investing - General (not P2P) / Robinhood?
December 12, 2014, 11:00:00 PM
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.