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  1. #811
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    Quote Originally Posted by Minvestor View Post
    Me too. Too many getting paid off recently, including one less than a month old, it appears. Too much stress, even for a good return, and very little coming through, so I'm starting to pull out now
    Over 18 months have invested in 491 loans @ LC. 156 have now closed. A 31.8% closure rate.

    This is just part of the personality of P2P investing...

    It also far less than over at Harmoney where my early closure rate was around 60%!

  2. #812
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    Jan 2017
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    Quote Originally Posted by Entrep View Post
    Agree with all the above, have been using Squirrel. So easy.
    I agree, it's better to invest with Squirrel at a slightly lower rate than having money sitting in your holding account

  3. #813
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    Quote Originally Posted by joker View Post
    Very hard to get invested as there is no "autolend facility". If you're not sitting at your computer waiting for email notifications you miss out. Even when you get in straight away, some loans have already been filled. Not worth having money sitting in your holding account as it's so hard to invest.
    My recent strategy has been to invest larger and quickly across @ Squirrel Money.

    Then as the Loans get repaid @ SM move those repaid funds across to LC day by day \ week by week and slowly Drip Feed them into LC.

    As least you $$'s are getting 9% on your funds at SM, while you wait to get into LC at say 14.79%.

  4. #814
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    Many good loans coming through today @ LC

  5. #815
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    Aug 2015
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    Quote Originally Posted by Saamee View Post
    Many good loans coming through today @ LC
    i managed to get 3 of them between flights up and down country today.
    I am very happy

  6. #816
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    Jan 2005
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    New Zealand
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    Quote Originally Posted by Saamee View Post
    Many good loans coming through today @ LC
    It's been a good few days actually. Encouraging and I'm glad for the business LC is doing. Pre-Xmas ramp up?

    *soap box* Personally haven't struggled or had to worry about loans AT ALL. Having that habit of checking emails on the phone every few minutes at work, gone. That monkey on my back, he's gone too. I've hit all the loan grades I wanted in the last four weeks, 38 loans in total. In fact, getting every loan I want I've actually halved my investment per loan, reducing overall risk. Am now making headway on ratio of new loans vs closed while increasing capital.

    With some help from others on the forum I've been testing a wee application I knocked out, for personal use a month ago. Recent updates have made it more user friendly. It's an auto investor. I think there is at least a few out there, but why not share the wealth, so to speak.

    http://provance.nz/

    READ the documentation, FAQ and Disclaimer, please.

    It currently only supports filtering by loan grade. And allows different investment amounts per grade. If you have more specific lending criteria this isn't for you, yet...

    Some users have commented their antivirus (usually Windows Defender) reports a Trojan present. It's a common issue with the software used to create the installer, false positives to be sure. But if you're AT ALL unsure, don't touch it.

    During the install I do get a warning from Windows, "Windows Defender SmartScreen prevented an unrecognized app from starting. Running this app might put your PC at risk." but that's just because the application isn't signed with a certificate. It's free and I'm not paying for a cert.

    Development on this application has halted barring bug fixes. I'm working on something 'more evolved... and more accessible'.

    Note: This program behaves in the same way as you having a browser tab open and occasionally peering into the Loans page. It shouldn't upset the powers that be, but if you're concerned it will, don't touch it! It's pretty stable and recovers from most unexpected scenarios, though I am aware of some outstanding bugs. If you're at all unsure, DON'T TOUCH IT!

    I'm making it available because I feel it's a feature Lending Crowd should be providing by default and by not doing so they're hurting their retail investor engagement.

    PS don't use this thread for questions about the app, PM if you want to know more (It's Windows only ATM...).
    Attached Images Attached Images

  7. #817
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    Aug 2015
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    183

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    There has been lots of loans this week. Plenty to choose from , especially if you are lucky enough to be using pennypickers app

  8. #818
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    Quote Originally Posted by PennyPicker View Post
    It's been a good few days actually. Encouraging and I'm glad for the business LC is doing. Pre-Xmas ramp up?

    *soap box* Personally haven't struggled or had to worry about loans AT ALL. Having that habit of checking emails on the phone every few minutes at work, gone. That monkey on my back, he's gone too. I've hit all the loan grades I wanted in the last four weeks, 38 loans in total. In fact, getting every loan I want I've actually halved my investment per loan, reducing overall risk. Am now making headway on ratio of new loans vs closed while increasing capital.

    With some help from others on the forum I've been testing a wee application I knocked out, for personal use a month ago. Recent updates have made it more user friendly. It's an auto investor. I think there is at least a few out there, but why not share the wealth, so to speak.

    http://provance.nz/

    READ the documentation, FAQ and Disclaimer, please.

    It currently only supports filtering by loan grade. And allows different investment amounts per grade. If you have more specific lending criteria this isn't for you, yet...

    Some users have commented their antivirus (usually Windows Defender) reports a Trojan present. It's a common issue with the software used to create the installer, false positives to be sure. But if you're AT ALL unsure, don't touch it.

    During the install I do get a warning from Windows, "Windows Defender SmartScreen prevented an unrecognized app from starting. Running this app might put your PC at risk." but that's just because the application isn't signed with a certificate. It's free and I'm not paying for a cert.

    Development on this application has halted barring bug fixes. I'm working on something 'more evolved... and more accessible'.

    Note: This program behaves in the same way as you having a browser tab open and occasionally peering into the Loans page. It shouldn't upset the powers that be, but if you're concerned it will, don't touch it! It's pretty stable and recovers from most unexpected scenarios, though I am aware of some outstanding bugs. If you're at all unsure, DON'T TOUCH IT!

    I'm making it available because I feel it's a feature Lending Crowd should be providing by default and by not doing so they're hurting their retail investor engagement.

    PS don't use this thread for questions about the app, PM if you want to know more (It's Windows only ATM...).
    I started using this App 1 week ago now.

    It's really helped secure a share in the more popular and smaller loans.

    Thanx PP ;-)

  9. #819
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    Aug 2012
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    4,663

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    Quote Originally Posted by Saamee View Post
    I started using this App 1 week ago now.

    It's really helped secure a share in the more popular and smaller loans.

    Thanx PP ;-)
    I appreciate the work and skill put into the development of this app...However,
    I do not understand why Lendingcrowd allow a third party app access to its website so that Lenders can secure part of the principal of loans.
    Why should those lenders who do not wish to use an unofficial third party app be forced to be put at a disadvantage?
    Lending Crowd should either establish their own auto-invest, officially list this app on their site, or deny access to it, in my opinion.

  10. #820
    Investor
    Join Date
    Oct 2016
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    200

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    Quote Originally Posted by Bjauck View Post
    I appreciate the work and skill put into the development of this app...However,
    I do not understand why Lendingcrowd allow a third party app access to its website so that Lenders can secure part of the principal of loans.
    Why should those lenders who do not wish to use an unofficial third party app be forced to be put at a disadvantage?
    Lending Crowd should either establish their own auto-invest, officially list this app on their site, or deny access to it, in my opinion.
    I haven't looked at the app and am not an IT specialist but I assume the app just mimics a user - accesses the website, types in your email/password then orders loans. LC may not be able to differentiate between the app and a person or have not attempted to.

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