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Messages - brycemason

#31
Investors - LC / Any New Loans Lately?
December 03, 2014, 11:00:00 PM
https://forum.lendacademy.com/index.php?topic=2824.msg25238#msg88888888Quote"> from: Half Right on December 01, 2014, 10:52:50 AM
#32
Investors - LC / DSP Email From Fidelity
December 01, 2014, 11:00:00 PM
350 for me. Lame, but grateful for anything. Nice, Rob. Probably because you have a larger account? Mine is ~43k
#33
Investors - LC / Any New Loans Lately?
November 27, 2014, 11:00:00 PM
The holidays were exceedingly light last year, too. I paid careful attention due to my deploying capital for the bank. I managed to pick up 3 Es for myself today, which was good. My last logs show 112 new loans on 2pm load, 70 of which were whole. Nothing I wanted.
#34
Email Text -- Good thing I already have a brokerage account through Fido. Clicked the button in the email and it indeed had me log in and took me to the settings page, but some sort of positive confirmation would have been nice.

Lending Club IPO - Directed Share Program (DSP)
Dear Investor,

As you may know, Lending Club filed a registration statement with the Securities and Exchange Commission to sell common stock through an initial public offering (IPO). We currently expect to reserve a portion of our IPO shares for investors like you through a directed share program (DSP) administered by Fidelity Investments ("Fidelity"). To be eligible to participate, you'll need to open a brokerage account with Fidelity and meet certain suitability requirements.

In order for Fidelity to provide information regarding the procedures of the DSP to you, we need your authorization to share your contact information with Fidelity. By clicking "yes" you authorize us to share the name, email address, and phone number associated with your Lending Club account with Fidelity. Please ensure that your contact information is current and accurate in your Lending Club account. If you do not respond, you will not be contacted.

Confirm Your Email Address

Clicking this button will take you to the Settings section of your account, which will confirm your authorization that we share your contact information with Fidelity.


We are unfortunately unable to answer questions about the IPO, including share price, minimum and maximum DSP investment levels, or other details about the DSP at this time.

This email does not constitute an offer to purchase Lending Club stock - any offer to purchase Lending Club stock will be made solely by the underwriters pursuant to a prospectus. Whether or not an IPO occurs depends on many things including market conditions. Responding to this notice does not obligate you to participate in the DSP, nor is Lending Club obligated to offer DSP shares or ensure that you will receive DSP shares.

Please respond no later than 12:00 p.m. noon (PT) on Sunday November 23, 2014. IF YOU DO NOT RESPOND TO US BY 12:00 p.m. noon (PT) on Sunday November 23, 2014, WE WILL NOT SHARE YOUR INFORMATION WITH FIDELITY AND YOU WILL NOT BE ELIGIBLE TO PARTICIPATE IN THE DSP.

A Registration Statement relating to Lending Club's common stock has been filed with the Securities and Exchange Commission but has not yet become effective. The shares may not be sold nor may offers to buy be accepted prior to the time the Registration Statement becomes effective. This letter shall not constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of the shares in any State in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such State.

No offer to buy the securities can be accepted and no part of the purchase price can be received until the registration statement has become effective, and any such offer may be withdrawn or revoked, without obligation or commitment of any kind, at any time prior to notice of its acceptance given after the effective date. A response to this email will involve no obligation or commitment of any kind.

Best regards,

The Lending Club Team
#35
Investors - LC / Lendinc CLub vs. BIC comparison
November 11, 2014, 11:00:00 PM
They're all geniuses until the next leg down in the world's largest ever housing bubble implosion.
#36
Investing - General (not P2P) /
November 10, 2014, 11:00:00 PM
Fine. Triangulate the truth with multiple independent viewpoints. I think my point stands that reputational risk of platforms isn't enough.
#37
P2P-Picks / Another API Change - will it impact P2P Picks
November 07, 2014, 11:00:00 PM
No impact. These fields were added just a short while ago, so there are no completed 36 month vintages with them. Therefore, I don't have any evidence one way or the other on how to utilize them. In about a year I'll be able to merge loan outcomes with the old data downloads and see what I had been missing out on. Perhaps nothing. The real losers on this are the institutions which had alternative consumer credit data sets and knew how to take advantage of these extra fields. Still a shame.
#38
Investors - LC / "Credit for Ineligible Loan"
November 05, 2014, 11:00:00 PM
LC may have bought back loans that were either identify theft or never should have been on their platform in the first place. Given how many you had and how  rarely loans have been bought back due to identity theft, I vote for the latter.
#39
Investing - General (not P2P) /
November 04, 2014, 11:00:00 PM
I'm profitable https://forum.lendacademy.com/Smileys/default/smiley.gif" alt=":)" title="Smiley" class="smiley" />. Three paying clients, and I keep my expenses super low.

I'd like to see a question about the desirability or importance of third party ratings on credit quality. A uniform approach, from Moody's or S&P or that ilk.
#40
General Lending Club Discussion / SAS Analysis
November 01, 2014, 11:00:00 PM
It's not too late to switch to Stata. https://forum.lendacademy.com/Smileys/default/wink.gif" alt=";)" title="Wink" class="smiley" />

SAS is powerful, too, but I like the programming and data management capabilities of Stata better.
#41
Investors - LC / Percentile calculation
September 29, 2014, 11:00:00 PM
No, there is no publicly available file that has every investor's returns in it. The closest thing you can get is LC's nice "Understanding My Returns" chart from its account overview page.
#42
It tends to be after the 2pm loan drop and before the 6pm loan drop.
#43
Investors - LC / Monthly FICO Pulls
September 26, 2014, 11:00:00 PM
It's clear. However, LC could make our lives much easier by including the monthly FICO pull in the payment history file. Join by MOB.
#44
Why report them when you can hope they refi out of their (and our) problem!?
#45
Investors - LC / Loan Information Asymmetrical Timing
September 16, 2014, 11:00:00 PM
I think it's faulty thinking that investors _want_ to interact with the website in the long run. It's so tedious to log in 4 times a day and mash your F5 button. I've had to interrupt my day countless times to respond to my LC alarm. There is a non-trivial group of people who want automation but not LC's own automation. Right now that ability is totally broken and I'm going to need to start making withdrawal as cash piles up.