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Messages - balto21

Investors - LC /
« on: June 30, 2016, 11:00:00 PM »
Here is my Q2 understanding returns: It has been a rough quarter. :)
Investors - LC / Does Anyone own Notes from these Loans?
« on: June 21, 2016, 11:00:00 PM »
dont have any of them.
Investors - LC / My ANAR is down over 1% in less than a month...
« on: June 19, 2016, 11:00:00 PM »
My WAAR is 16.2. Here is my Understanding returns: My ANAR was 11.24% and now it is 10.17%.

Yes, I have more available cash now because supply has been low. Normally, I have from $0 - $90 on hand and now it is about $250. There was a time about a week ago that my available cash went above $400 so, maybe that is affecting the numbers but I have a mature account with about 50% of it invested in 36 month loans...

But this is the biggest ANAR drop in the shortest time since I have started. I am wondering if anyone else is seeing the same thing in their numbers.

Investors - LC / Worst Month Yet
« on: June 02, 2016, 11:00:00 PM »
In 2015, I was at 27% Charge off as Interest. This year, I am at 65%. With average age of 15.8 months and still reinvesting, this is a very interesting way to look at the account.

My ANAR is still at 11% but based on these numbers, that will probably change in the near future. The thought of, am I skewing my own returns because I keep on reinvesting popped back into my head again. Hmm...

Investors - LC / Can someone explain this to me??
« on: May 22, 2016, 11:00:00 PM »
Oh yeah...I did see a very big drop in ANAR yesterday.

1000+ loans.
Average Age 15.5 months

ANAR went from 11.23 -> 10.5.

Here is my Understanding returns:

Anyone else see a major drop like this? Not sure if you look at it daily.
Investors - LC / "Understanding Your Returns" Outliers?
« on: March 18, 2016, 11:00:00 PM »
I have been watching the "Understanding your returns" page on my LendingClub account for about 2 years now and i have never seen this many outliers, as in, people making over 15% or even 20% based on their ANAR. I have included an attachment.

Maybe there was 1, or 2 people in this range with over 10 months Average age of their portfolio, but now there are quite a few. And since rates have gone down, I do not see how there are so many outliers. I would hope that LendingClub would not stage this page to show that there is potential for higher returns, but with the history of watching this page over the years, I do not believe this data. What are your thoughts?
Investors - LC / 36 Month or 60 Month and why?
« on: March 13, 2016, 11:00:00 PM »
36 month loans are more liquid.
60 month loans offer lower monthly payments to a borrower, less liquidity and a higher rate to the investor.

To make  a long question short. Do you prefer 36 month or 60 month loans. Or, if you normally prefer 36, but you love 60 month with low loan amounts or some other filter... Yes, we can all backtest and just choose whatever the software tells us will be the best ROI, but psychologically, what are your thoughts?

Which is your preference and why?

Also is there enough data to support a 60 month sufficient back test?
Investors - LC /
« on: March 10, 2016, 12:00:00 AM » Here is mine!

No Folio
Investors - LC / Credit Card / Debt Consolidation
« on: March 10, 2016, 12:00:00 AM »
For Lending Club Filters, what is the difference between Credit Card and Debt Consolidation???

Looking at NSR historical data, there are major differences in returns depending on your filter criteria but I don't understand from an individual borrower perspective...How does LC define a Credit card loan, which I assume is used to pay off credit card debt and debt consolidation?

Thank you
Investors - LC /
« on: March 10, 2016, 12:00:00 AM »
Any updates on this???? I went from 6 days to fund based on my filters at NSR and i am not at 10.