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  • beacon's Avatar
    Today, 01:40 PM
    Seems you were onto something, leesal. Have been observing for this since you hinted at the possible connection. Big lumps are being filled and note...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    20-09-2018, 02:47 PM
    I'm happier with increased volume too, regardless of how many or few I choose to finally invest in. I think this error comes when system is...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    11-09-2018, 04:11 PM
    Thank you BJ1. Be interesting to watch how the results unfold - your cautious ABCs vs Myles daring CDEs vs Cool Bear Index ( I think he's closest to...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    10-09-2018, 05:11 PM
    Indeed BJ1. I, on the contrary, haven't taken loan size into consideration yet, as Harmoney already has ceilings for each Risk Grade. I am also not...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    10-09-2018, 03:43 PM
    Ok, so I haven't understood what the max loan and max loan ranges in your template mean then... I thought they meant you only bought loans which were...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    10-09-2018, 03:38 PM
    You cracked me up with this. I am going to be watching this space with interest anyway, to see if the regulators will do anything when the Harmoney...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    10-09-2018, 10:05 AM
    Amazing to see you have the confidence to lend 1000 to someone unsecured, and still come out on the right side of the number line after 4 years. Hats...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    10-09-2018, 08:39 AM
    L00-14-330, B2 personal 18.74%, 11.1k sought with vehicle security and death cover, akl renter 2-5 years, 45year old, self employed over 10 years,...
    960 replies | 87229 view(s)
  • beacon's Avatar
    10-09-2018, 08:34 AM
    charged separately to account
    960 replies | 87229 view(s)
  • beacon's Avatar
    09-09-2018, 03:47 PM
    There are millions of reasons (dollars) stopping the small guy from becoming a wholesaler. And then there's Harmoney. Try calling them about it Myles.
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 12:49 PM
    Agree. Shows more unsatisfied small investor demand. And it would become even more difficult for the small guy to invest in them if the big...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 12:41 PM
    I agree. And TSB is a Bank! Mind you, I have no problem with Banks playing here (see my previous post), so long as they do not disadvantage the...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 11:18 AM
    So, they really are a front for the wholesalers now. What a farce :t_down: Be interesting to watch what, if anything, the regulators will do now
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 11:15 AM
    Your performance and loan picking skills are exemplary BJ1, and your chargeoff/Gross Income ratio probably the lowest in Harmoney for your loan book...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 10:18 AM
    Let us say there are 4 loans on the market. In separate markets, retails only see 1 loan, wholesalers see only 3 - both lose. Alundracloud proposed...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 08:12 AM
    Obviously, they'll have to dial down the autolender volume from the current 40%+ so the increased choice is available to most lenders in a fair and...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    09-09-2018, 08:08 AM
    I'll second that. By doing this, they'll achieve the same wholesale:retail outcomes, while upping the loan volume on both markets and minimizing the...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    06-09-2018, 03:01 PM
    Well done. You are aiming high like Myles, and that s being reflected in writeoffs, and returns. Congratulations on your first grand :)
    3722 replies | 471191 view(s)
  • beacon's Avatar
    06-09-2018, 08:46 AM
    Myles' earlier post beat me to my own lender notification. :)
    3722 replies | 471191 view(s)
  • beacon's Avatar
    06-09-2018, 08:28 AM
    https://www.harmoney.co.nz/investors/lender-news/historical-annual-default-rates-now-available Dated 30 Aug 2018, and notification on dashboard,...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    05-09-2018, 12:32 PM
    Working for me. Reboot your computer and see. Might come back on
    3722 replies | 471191 view(s)
  • beacon's Avatar
    05-09-2018, 09:46 AM
    Thanks, cool bear. I gave them a call. Found out that they did a mortgagee sale on that defaulting C, and there was no loss of investment capital for...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    05-09-2018, 08:44 AM
    I had looked at them last year, but only E and F grades had seemed tempting. Since then they've had a C default, making their overall default...
    3722 replies | 471191 view(s)
  • beacon's Avatar
    04-09-2018, 09:17 AM
    I'll second that. Well done Myles. I'm struggling to keep to the high 13% too, with current portfolio numbers roughly half of Cool Bear's. Also,...
    3722 replies | 471191 view(s)
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