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06-12-2017, 05:52 AM
#2861
Originally Posted by Saamee
Personally I never accepted the new T & C's with the 1st Fee change.... Not invested new $$'s here for what... 18 months now..... ( Got you PM ok will do )
Latest RAR
RAR.jpg
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06-12-2017, 11:13 AM
#2862
Junior Member
Hi all, first post here. I've opened an account as in the last few years I've got more serious about making my money work for me and being able to retire at 55 (my goal) which is 24 years away for me. Below is my RAR, circa $2000 invested initially all interest reinvested with top ups to nearest 25$, now about $3k --- no arrears or write offs. I'm looking at branching out into shares and other P2P platforms. My goal is 10-12% returns due to the time I have available.
20171206_111008.jpg
Last edited by Timmay; 06-12-2017 at 11:15 AM.
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06-12-2017, 03:15 PM
#2863
Member
MY RAR is declining - down about 50 pips even with a slight increase in risk profile (no longer investing in As). Fees are up and rates down but also my charge-offs are climbing. As I posted a while back, according to Zopa in the UK these have been at historical lows in the last few years and are expected to increase in that market. It appears that Harmoney see it differently over here and reduced rates following a period of lower than expected charge-offs. I'm picking returns will continue to reduce but accept that we had it very good for a while with low fees and low charge-offs.
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06-12-2017, 04:27 PM
#2864
Member
Rar.jpg
heres mine
spikes at beginning are cause I invested another $50k 3 months in
rare stabilized slowly going down if anything, but like a lot of people my defaults are E's and F's, and I'm making sure my reinvestments are B,C,D avoiding the E's and F's
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11-12-2017, 08:35 AM
#2865
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11-12-2017, 08:42 AM
#2866
Originally Posted by Entrep
Behind pay wall.
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11-12-2017, 10:01 AM
#2867
Member
Originally Posted by 777
Behind pay wall.
yes, give us some screen grabs
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11-12-2017, 01:21 PM
#2868
Member
write offs as a percentage of gross interest.
I always thought that my writeoffs (or charge off) as a percentage of gross interest is very high at 21.1% (20.8% after recoveries). That was because my spreadsheet estimated it as just below 10% based on Harmoney's figures. However, I just noted that based on Harmoney statistics today - total charge off $19,076,967 and total interest paid $86,179,074 (10 Dec), the actual overall ratio is a very high 22.14%. So mine is actually below the average!!
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11-12-2017, 02:20 PM
#2869
Investor
Originally Posted by alistar_mid
yes, give us some screen grabs
I've just read the article. I suggest you get a subscription to the NBR if you wish to know of its content.
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11-12-2017, 04:42 PM
#2870
Member
Originally Posted by Investor
I've just read the article. I suggest you get a subscription to the NBR if you wish to know of its content.
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