Prosper.com and Quicken (or Money) do not play nicely. In fact, they can be downright burdensome to make them bridge the gap. Here I present my workable solution, but this should be addressed by Quicken, Money, and Prosper.com Prosper.com加快(或金錢)沒有很好發揮。事實上,它們可以徹頭徹尾的負擔,使他們縮小差距。在這裡,我提出我的可行的解決辦法,但是這應該是解決加快,金錢和Prosper.com
The heart of the problem is that Quicken doesn’t understand the Prosper.com model… Sure you can declare a single loan at a time but try that with 10, 20, 46, or more問題的核心是加快不了解Prosper.com模型...當然你可以宣布一個單一的貸款的時間,但嘗試,以10年, 20年, 46歲或以上 loans貸款 . Keeping them all up to date quickly becomes an all day affair. Believe me I tried this approach for 2 months. If the accounts were linked via some automatic download like credit cards, bank, or investment accounts this is the correct way to account for the information today. Yet handling defaults and net gain or loss is much simpler with an umbrella account. 。保持所有這些最新很快成為一整天的事情。相信我,我試過這種方法2個月。如果有聯繫的帳戶通過一些自動下載像信用卡,銀行,或投資賬戶這是正確的途徑帳戶今天的信息。然而,處理違約和淨增益或損失是非常簡單的傘式帳戶。 Ergo, Quicken should create a new type of account and Prosper.com should implement automatic Quicken download.英里,加快應建立一種新型的帳戶,並Prosper.com應加快實施自動下載。
I love both我喜歡這兩個 Quicken Deluxe 2007 2007年加快豪華 (even require) and Prosper. (甚至要求)和繁榮。 So what was I to do?什麼是我該怎麼辦呢?
I created a new investment account that I called Prosper.com.我創建了一個新的投資帳戶,我呼籲Prosper.com 。 This makes it easy to track the money into Prosper the moment it leaves the bank account by setting the category of the bank transaction to [Prosper.com].這就容易追踪的資金投入普羅斯珀目前它留下的銀行帳戶設置類別的銀行交易[ Prosper.com ] 。 Now that the money is in the Prosper.com investment account (as cash), how do you track the individual loans and their performance?現在,錢是在Prosper.com投資帳戶(如現金) ,您如何追踪個人貸款和他們的表現? The short answer is you don’t.簡短的回答是你沒有。
The long answer is that leaving it in cash is the easiest thing to do.長期的答案是,讓現金是最容易的事情。 Then when you get your monthly statement from Prosper.com you enter the realized interest earned for the month as a single interest payment. This allows you to track your Prosper.com account globally.然後,當您獲得每月從Prosper.com您輸入的實現利息月份作為一個單一的利息。這樣,您就可以跟踪您的Prosper.com到全球。
Prosper.com or Quicken if you are listening, please address this issue. Prosper.com或加快如果你聽,請解決這個問題。 Either via a case study or white paper addressing the proper way to account for this information or via a tight integration as a new type of account.可通過個案研究或白皮書,處理適當的方式考慮到這一點信息,或通過緊密集成作為一種新的類型的帳戶。 Personally I vote for an integration.我個人投票的一體化。
As I am sure all Prosper.com lenders track their finances through Quicken (or Money)… I would be very interested to hear if anyone has a better solution than mine.我相信所有Prosper.com貸款跟踪其財政通過加快(或金錢) ...我會非常感興趣地聽取如果任何人有一個更好的解決辦法不是地雷。
I found我發現 Quicken 2007: The Official Guide加快: 2007年官方指南 to be an excellent guide to Quicken; not only the basics, but also the advanced features.是一個很好的指導加快;不僅是基礎,而且先進的功能。
Update 4/10/07: This is my current approach:更新4/10/07 :這是我目前的做法: Adam Nash Merged with RateLadder to form the Ideal Quicken Solution (without Prosper integration)亞當納什合併RateLadder形成加快的理想解決方案(不普羅斯珀一體化)
If you liked this article, vote for it on 如果你喜歡這文章,投票支持它 del.icio.us del.icio.us and 和 stumbleupon StumbleUpon公司 . 。Categories: 分類:
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7 comments ↓ 7日的評論↓
My solution is to have a “Prosper.com Cash” investment account, and a “Prosper.com Principal” asset account.我的解決辦法是有一個“ Prosper.com現金”的投資帳戶,以及“ Prosper.com特等”資產帳戶。 Once a month I balance them out so the Principal account matches my total loans principal balance, and the Cash account matches my cash balance.每月一次我的平衡,使他們的主要考慮比賽我總貸款本金餘額和現金帳戶場比賽我的現金餘額。 This can be easily tracked through up to 2 transactions a month in the cash account.這可以很容易地通過後續跟踪2個交易的現金帳戶。 One is a transfer from Cash to Principal representing any new loans.一個是現金轉移到主要代表任何新的貸款。 A second is for increases in cash balance, with split categories between principal (transfer in from principal account), interest, and bank fees.第二是增加現金餘額,與分裂之間的主要類別(轉讓從主要帳戶) ,利息和銀行手續費。
It’sa bit more complicated then what you have above, but then you can keep track of the non-cash principal balance and what your paying in fees.這是一個比較複雜一點那麼您有上述情況,但你可以跟踪非現金本金餘額和你付出的費用。 Also, it shouldn’t matter how many loans you have, it’s still 2 transactions a month.此外,它不應該多少貸款你,它還是第2個交易。
That is interesting.這是有趣。 I played around with it for a couple of days… Here are my thoughts…我打它周圍的幾天...這裡有我的想法...
It doesn’t solve my main grip which is tracking my Gain/Loss and ROI.它並不能解決我主要抓地力這是跟踪我的增益/損耗和投資回報率。
You are quite clear about your pros, but I think there is at least one con to having your Prosper account split into two accounts.你很清楚地了解您的利弊,但我認為至少有一個協商,以讓您的普羅斯珀帳戶分為兩個帳戶。 What is your current balance?什麼是您目前的平衡? You have to add to accounts.你必須添加到帳戶。
Given I cant get my prosper tax info from quicken and that I will be going to prosper regularly to check on loans and payments and such.鑑於我不能讓我的繁榮稅從加快信息,我將去繁榮定期檢查貸款和付款等。 Seeing my fees on the website is adequate.看到我的學費在網站上是足夠的。
My one umbrella account has fess handled as I only deposit realized interest which by definition has fees removed.我的一個總括的帳戶已二十二處理,我只實現了存款的利息費用的定義刪除。
I think the issue and dilemmas we are both coming to grips with need to be addressed by quicken and prosper.我認為這個問題和難題,我們都來對付需要加以解決的加快和繁榮。
Hi RateLadder,您好RateLadder ,
I thought it would be good to post my Quicken solution, which is based on having a separate security for each Prosper loan.我想這將是一件好事後我加快解決辦法,這是根據一個獨立的安全,每一個興國的貸款。 See看見 my post here在這裡我的文章 . 。
I totally agree it would be better for Prosper to support downloadable transactions, or at least, an export to Quicken that we could use.我完全同意將更好地為繁榮,以支持下載的交易,或者至少,出口加快,我們可以使用。
Adam亞當
[...] Update (4/10/2007): RateLadder.com has their own solution… not as accurate as the one above, but worth linking to. I agree with them that it would be better for Prosper to offer a Quicken-compatible download format. [...]更新( 2007年四月十日) : RateLadder.com都有自己的解決方案...不準確的一個以上,但價值相聯繫。我同意他們,最好的繁榮,提供了一個加快兼容的下載格式。 Posted in Personal Finance, E-Commerce, Economics.張貼在個人理財,電子商務,經濟學。 [...]
[...] I think a hybrid of his approach and mine (simplified cashflows only: [...]我認為他的雜交方法和掃雷(簡化的現金流只有: http://www.rateladder.com/2006/12/31/prospercom-and-quicken-the-workable-solution-for-playmates-that-dont-get-along/ ) would work great and be manageable… Here is my proposal merge my existing approach with his… (I haven’t tried this yet, but I think it will work great.) [...] )將偉大的工作和管理...這是我的建議合併現有的做法,他... (我還沒有想這個,但我認為這將極大的工作。 ) [...]
I share your frustration as how to accurately keep track of my Prosper portfolio thru Quicken.我同意你的挫折感,如何準確地掌握我國普羅斯珀組合通過加快。 I am using Quicken Premiere ‘08 and it includes a Home and Business free 60 day trial that I’m using.我使用的加快首映08年,它包括一個家庭和企業免費60天的試用期,我使用。 Through that, I’ve started an “Accounts Receivable” acct where I create an invoice for each loan I fund and a Business spending (cash) acct to track everything from Prosper in my Quicken Biz Acct.通過這一點,我已經開始了“應收帳款”帳戶,我創造的發票每筆貸款予基金和企業支出(現金)帳戶追踪,從繁榮我國加快商業會計。 I’m still experimenting with this to see what works better and open to new ideas.我仍然嘗試,看看是什麼在起作用更好的和開放的新想法。 This is all Terra-Incognita for me.這是所有地球根結線蟲對我來說。
“My mother said to me, “If you are a soldier, you will become a general. “我媽媽對我說, ”如果你是一名士兵,你將成為一種普遍。 If you are a monk, you will become the Pope.” Instead, I was a painter, and became Picasso.”如果你是一個和尚,你將成為教皇。 “相反,我是一個畫家,並成為畢加索。 ”
Pablo Picasso.畢加索。
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