Harmoney

[humvee]

Nice work! I'm at 12.75% and 18% . I rarely read the stories but used filters and diversified widely. Even spread of A-D for the most part but shifted to more risk near the end.

I have a different approach again I have ended up with high write offs but a fairly high RAR too

30.75% gross write-offs/ gross interest
29.44% net write-offs/ gross interest (which I think is more important figure vs what some others have quoted)

14.69% rar

5047 unique loans

My Rar has been ever so slowly climbing since I stopped making new investments. But has pretty much always been above 13.8% usually above 14%.