Stu’s Portfolio Report: July 2013

The month of July came to a close and all of my loans paid on time.  Some of the other p2p lending bloggers have been having an ongoing discussion about how to most accurately assess how returns are calculated. Some are big believers in Internal Rate of Return, otherwise known as IRR.  That being said, … Read moreStu’s Portfolio Report: July 2013

Credit Analysis: Debt to Income

Debt to Income (DTI) is one of the most important pieces of Credit Analysis that we need to learn in order to reduce our risk in investing in P2P Loans. My own Credit Analysis experience led to the development of my own Credit Scoring system and one of the most important factors is Debt to … Read moreCredit Analysis: Debt to Income

Stu’s Portfolio Report: June 2013

Another month has gone by and here is the portfolio report. Let’s see how I did.  The process of putting money into my Lending Club account, as documented in my post about Comparing the Lending Platforms goes into effect here.   June 30 2013         Loan # Amount Lent Interest Rec’d Principal … Read moreStu’s Portfolio Report: June 2013

Stu’s Portfolio: Comparing the Platforms

Many of you know that for the last month I have been trying to put some money to work at Lending Club.  This post is about how that has gone and how it is affecting my portfolio.  My first order to purchase notes from Lending Club was on June 5th, more than 30 days ago. … Read moreStu’s Portfolio: Comparing the Platforms

Savings Account Rates at Local Banks or Why I love P2P Loans

I am often asked why I like to utilize peer to peer lending and other related questions like “Is it risky?” The biggest reason why I am so excited about this lending platform is that it bucks the trend. What I mean is, as of today in June 2013, we are in the midst of … Read moreSavings Account Rates at Local Banks or Why I love P2P Loans

Stu’s Portfolio: May 2013 Report

Time for the May portfolio report. I finally got my $100 of interest reinvested but it didn’t get officially funded until June so I can’t count it here. Let’s see how I did.   Thursday, May 30, 2013         Loan # Amount Lent Interest Rec’d Principal Remaining Current Value of Note 85159 … Read moreStu’s Portfolio: May 2013 Report

Credit Analysis: Revolving Credit/Utilization

Revolving Credit is the credit that is used, paid down and available to use again.  Think of a credit card with a $5000 limit and a $1000 outstanding balance.  if you pay $500 of the $1000 that you owe, then you have $4500 in credit available instead of the $4000 where you started.  That $500 … Read moreCredit Analysis: Revolving Credit/Utilization

Stu’s Portfolio Updated

For those that follow my portfolio and its performance, I thank you. There’s a big update to my portfolio starting today.  My previous portfolio had one private p2p loan unsecured for an old client of mine and the rest of my platform loan money was exclusively on Prosper.  Now that is no more. My funds … Read moreStu’s Portfolio Updated

P2P Lending Best Practices: Diversification

Any blog about P2P lending as an investment talks about diversification. Many of these blogs, including great blogs from different perspectives than mine that I read regularly like Lending Memo or Nickel Steamroller advocate heavy diversification. By heavy, I mean advocating a strategy of putting very small amounts like the $25 minimum or $50 across … Read moreP2P Lending Best Practices: Diversification