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  • myles's Avatar
    18-03-2019, 08:55 AM
    No words...
    4224 replies | 528368 view(s)
  • myles's Avatar
    13-03-2019, 02:03 PM
    I only manually invest and have now (last week or so) started to move forward i.e. reducing available cash - taking $200 - $250 per loan (no doubt...
    4224 replies | 528368 view(s)
  • myles's Avatar
    13-03-2019, 11:32 AM
    My memory is a bit vague on this, but I thought they originally had something like a $100,000 buy in? I could be wrong on that. Now listing a...
    4224 replies | 528368 view(s)
  • myles's Avatar
    13-03-2019, 08:37 AM
    I would suggest caution on accepting a reduced rate (via increased fees, reduced rates etc) within the Harmoney lending model (does not apply to...
    4224 replies | 528368 view(s)
  • myles's Avatar
    12-03-2019, 09:11 AM
    Discrimination between peers (of any sort) is a very good point!
    4224 replies | 528368 view(s)
  • myles's Avatar
    12-03-2019, 08:53 AM
    Integrity aside (please don't read that as me dismissing it), the FMA have given Hamoney a P2P Lending license, at the time, they would have...
    4224 replies | 528368 view(s)
  • myles's Avatar
    12-03-2019, 08:07 AM
    I wrote that from the perspective of the FMA and whether any action could be taken to change the current situation i.e. does it matter to them/can...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 07:56 PM
    The second graph in this post shows my last ~6 months of charge offs (orange) and reducing arrears. If you draw a straight line through the orange...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 04:18 PM
    I noticed a bit of a jump early in the new year, but thought that was a processing catch-up (pretty sure a similar jump last year). Overall my...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 02:35 PM
    Waiting, waiting, waiting...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 02:32 PM
    That, I believe, is one of the main issue with P2P in NZ, it (peer-to-peer) was never clearly defined by ComCom. The whole concept of peer-to-peer...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 12:56 PM
    Or 100% if that's what it takes for them to continue. Would that be grounds for any action - quite possibly not. I have hope that the current...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 12:28 PM
    From 4 or 5 pages back: Or does it have something to do with Business Continuity? Added: The danger for Harmoney - something Leesal...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 09:16 AM
    In the context of the conversation regarding allocation of loans, what have Harmoney done that is unfair? If you believe Harmoney aren't operating...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 08:49 AM
    Because they (Harmoney) haven't done anything that they haven't been transparent about or that is unfair? What exactly do you think Harmoney have...
    4224 replies | 528368 view(s)
  • myles's Avatar
    11-03-2019, 08:09 AM
    What report? There has been no complaint/investigation against Harmoney that I'm aware of i.e. no issue? The latest P2P industry data is here: P2P...
    4224 replies | 528368 view(s)
  • myles's Avatar
    10-03-2019, 05:13 PM
    The issue comes down to the definition of what Peer-to-Peer is. Unfortunately the FMA use words like 'people' when referring to a peer??? I think...
    4224 replies | 528368 view(s)
  • myles's Avatar
    08-03-2019, 09:29 AM
    Simply out of interest, the following two graphs are ones I use to 'track' my portfolio and may offer some insight into 'volatility' of loan value...
    4224 replies | 528368 view(s)
  • myles's Avatar
    07-03-2019, 08:08 AM
    First read this Lender Risks and this Diversification, both contain some good info. I posted my thoughts on this a ways back - it went something...
    4224 replies | 528368 view(s)
  • myles's Avatar
    06-03-2019, 04:20 PM
    Because it would likely lead to a huge fine and/or some time in jail... I personally don't believe this is happening.
    4224 replies | 528368 view(s)
  • myles's Avatar
    06-03-2019, 12:06 PM
    There does now seem to be a real gap between what Harmoney say and what they do :( In the last 3 years the Retail:Institutional loan volume split...
    4224 replies | 528368 view(s)
  • myles's Avatar
    27-02-2019, 09:16 AM
    Thanks CB, much appreciated. Certainly sounds less time consuming/stressful than other P2P models.
    4224 replies | 528368 view(s)
  • myles's Avatar
    27-02-2019, 08:04 AM
    CB, do you know how much of the single listed default loan was recovered. The Zagga model is quite different to others. Having to invest much...
    4224 replies | 528368 view(s)
  • myles's Avatar
    25-02-2019, 12:41 PM
    Some may find this of interest - Liquidity of Harmoney Loans: For the nearly 2 years I've had ~$100K invested, the average age of my Paid Off...
    4224 replies | 528368 view(s)
  • myles's Avatar
    25-02-2019, 11:03 AM
    LC's delay between loan listing and email is atrocious... Only way to 'manually' invest is to auto-refresh every 30-60 secs and watch it - still...
    4224 replies | 528368 view(s)
  • myles's Avatar
    25-02-2019, 10:22 AM
    Hmm - signed up for Squirrel but might not jump just yet: 6% for 1 Year (not guaranteed 1 year if not sold on secondary market) - 1 Yr Term...
    4224 replies | 528368 view(s)
  • myles's Avatar
    24-02-2019, 08:08 AM
    Taking stock of Harmoney's poor loan availability over the last 4-5 months and have decided to move some money out. Having had a quick look around...
    4224 replies | 528368 view(s)
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