Harmoney

[Kelvin]

The A5 loan I had written off was LAI-00011174

Maybe Dan@Harmoney can provide more detail on why this was written off? I can see that you've been online very recently!

Feel like taking money out of the platform if things don't improve

[Finite]

The A5 loan I had written off was LAI-00011174

Maybe Dan@Harmoney can provide more detail on why this was written off? I can see that you've been online very recently!

Feel like taking money out of the platform if things don't improve

I'm already taking my money out.
2 reasons - lack of secondary market and fees charged on rewrites.

[emveha]

It's not that bad though. They've been quite good so far in answering us (ping Dan@Harmoney).

I'm seeing a lot of "Holiday expenses" loans today, I would have thought that was a bit out of season?

MVA

[Dan@Harmoney]

The A5 loan I had written off was LAI-00011174

Maybe Dan@Harmoney can provide more detail on why this was written off? I can see that you've been online very recently!

Feel like taking money out of the platform if things don't improve

Hi, You can contact me directly at dan@harmoney.co.nz if you want to communicate about a specific loan. Thanks

[Dan@Harmoney]

Dan \ Monica,

Is Harmoney working on an Android Mobile Phone App at all yet??

Hi, We are actively exploring mobile apps but our primary focus is on reinforcing the mobile experience around mobile web. Thanks.

[Knot]

RAR has been updated. 15.37% for me, up on last month.

[Cool Bear]

RAR has been updated. 15.37% for me, up on last month.

thanks for the notification. you are doing well with your loans. I had been hammered the last 30 days. RAR now 13.62% a drop of more than 1% from last month!

[Kelvin]

Mine 12.99%, down from just under 16%!

[IntheRearWithTheGear]

14.67% according to harmoney rar.

However why not just calculate your self by using google docs.

That way you can have the tax paid number which 11.65% in my case.

Create a google sheet.

One column the date you made deposit to harmoney and amount as negative number.


=now() is excel function for todays date

grab the details from harmoneys account balance screen and use the forumula below xirr.

27/01/2015	-800
29/01/2015	-800

=now()	cash+fundingbalance+outstandintprincial from harmoney account postion page

=XIRR(b1:b3,a1:B3)

gives you a compounding interest rate taking into account variable deposits over time.


Maybe somebody who knows more can comment ?

[Harvey Specter]

Mine 12.99%, down from just under 16%!

Talk about revision to the mean. My RAR is now 13.1% (down from 13.6%ish ?)which is just 0.05% above the retail RAR.