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

P2P Loan Portfolio: Dividend Reinvestment Take Two

A recent post I put on this blog was about how to start using dividend reinvestment and portfolio management techniques to enhance our P2P Lending returns. Well all of that is true except that my loan that I picked to invest in on Prosper.com with my interest earned never funded.  As a result, I had … Read moreP2P Loan Portfolio: Dividend Reinvestment Take Two

P2P Loan Portfolio Management: ‘Dividend’ Reinvestment

So by this stage maybe you have put some money in some peer to peer loans. Once you do, you have a P2P loan portfolio that now has to be managed.  How d owe manage this?  For better or for worse, there’s alot of information we can use from the investment world in the management … Read moreP2P Loan Portfolio Management: ‘Dividend’ Reinvestment

How Does Prosper.com or Lending Club Make Money?

 This is an important question because if we want to use these lending platforms successfully, then we need for the platform to stick around. In other words, it has to make money so we can make money.  First, Prosper.com makes money on loan originations. When a loan funds through their platform, they charge an origination … Read moreHow Does Prosper.com or Lending Club Make Money?

Stu’s Portfolio: March 2013 Report

Here is my first portfolio report for you guys. What is in my own loan portfolio? Well, I’m a Credit Analyst so I put my money where my mouth is.  I currently have zero loans with Lending Club, 6 loans with Prosper.com, and 1 private loan with a former client of mine from equipment finance … Read moreStu’s Portfolio: March 2013 Report

How Risk Averse Are You?

  How you put your money into peer to peer loans or social lending is a byproduct of many factors. One of the biggest is our own tolerance for risk. Do you know what your tolerance for risk is? There are numerous self evaluating tools for this on the web. This is one of my … Read moreHow Risk Averse Are You?