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  • leesal's Avatar
    Today, 09:15 AM
    Great data Myles! Very useful Some of the data is too thin to draw meaningful conclusions though - eg "tax bills" as a lending reason having one...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    21-09-2018, 04:39 PM
    I'm sure others have a much better handle. Am treating all P2P as if it were rolling 18 month loans, so taking it from an investment perspective....
    3721 replies | 470834 view(s)
  • leesal's Avatar
    21-09-2018, 12:49 PM
    36% interest too. Wow! Humvee, interested to see your numbers from your closed off, if making them available. Also a banging the gong moment -...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    20-09-2018, 08:30 PM
    Most lurk for 10-20 mins. Clearly with my volumes its long enough for me :) Investment method has had to adapt though, my last autolend loan was...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    20-09-2018, 12:10 PM
    Certainly were 41 loans yesterday. Picked up a good deal of those You are right to an extent Soolaimon, that need to be quick on the uptake....
    3721 replies | 470834 view(s)
  • leesal's Avatar
    19-09-2018, 03:22 PM
    ' It could be the institutions, they have the ability to hover-up the retail portal. That said, am happy with the recent availability. Have...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    18-09-2018, 09:29 AM
    I'm avoiding a lot of those "maxed out loans", under the thinking that the higher debt/income ratio would result in repayment difficulties - with no...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    18-09-2018, 09:20 AM
    Huge repayment rate. Would have thought your lower grades had a would have less rewrite/repays.
    3721 replies | 470834 view(s)
  • leesal's Avatar
    17-09-2018, 09:55 AM
    yep there was a B grade default, although you wouldn't have seen that on your filter. Didn't see any other defaulter though!? Managed to plough a...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    16-09-2018, 11:39 AM
    This is the analysis I'm running for my Cohorts. For each cohort population (by month), I've taken HM interest rate and annual default rates....
    3721 replies | 470834 view(s)
  • leesal's Avatar
    15-09-2018, 01:18 AM
    You are on the right track. I mucked up the 2nd table, and for that matter the 1st wasn't right either - double counting defaults. I've refined again...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    14-09-2018, 08:27 PM
    Hi Myles. The intriguing thing about your data, is your loss on the lower grades being significantly less. If you select well, you can exploit thoses...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    14-09-2018, 07:23 AM
    The reinvestment principal is independant, so in the case of E5 - if you were to reinvest the returned capital back into a E5 loan it should have the...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    13-09-2018, 08:57 PM
    Further to Coolbear and Snow Leopard, That analysis although interesting overlooks much. Defaults, will create a drag on your return - due to the...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    05-09-2018, 01:16 PM
    I know, slow going. Have eased up on the repayment/income ratio amongst other things to keep up the #s up. Taking nibbles at "not-quite-ideal"...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    05-09-2018, 08:41 AM
    Great going. Default rate sitting really good relative to the risk. You must be selecting well. How many loans a week are you investing in Myles? ...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    30-08-2018, 12:37 PM
    Cheers for that. Some really useful information. Never realised HM was supplying that. Just need some decent loans to invest in now. Interesting...
    3721 replies | 470834 view(s)
  • leesal's Avatar
    28-08-2018, 10:13 AM
    FYI - My data on that grade mix.
    3721 replies | 470834 view(s)
  • leesal's Avatar
    26-08-2018, 09:33 PM
    Looks like your higher grades have a much higher repayment ratio. With that grade mix the defaults should be much higher compared to those...
    3721 replies | 470834 view(s)
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