LazyMan of popular personal finance blog Lazy Man and Money (one of my favorites) and Lazy Man and Health has joined the “game”. He has been a Prosperite (aka TechnologyGuy) for over a year. Which also makes him the first oldtimer to join the game. You can see from his cashflow that he is methodical and disciplined. Will that help his returns in the long run?
| LazyMan | |||
|---|---|---|---|
| Date | Model IRR | Best IRR | Avg IRR |
| 2/17/07 | (0.93%) | 20.75% | 9.91% |
| Date | Cash Flow | Reason |
|---|---|---|
| 2/22/06 | ($100.00) | Transfer To Prosper |
| 5/10/06 | ($200.00) | Transfer To Prosper |
| 5/30/06 | ($100.00) | Transfer To Prosper |
| 6/15/06 | ($100.00) | Transfer To Prosper |
| 6/22/06 | ($200.00) | Transfer To Prosper |
| 7/5/06 | ($100.00) | Transfer To Prosper |
| 7/14/06 | ($100.00) | Transfer To Prosper |
| 7/27/06 | ($100.00) | Transfer To Prosper |
| 8/21/06 | ($100.00) | Transfer To Prosper |
| 10/10/06 | ($100.00) | Transfer To Prosper |
| 10/16/06 | ($200.00) | Transfer To Prosper |
| 10/18/06 | ($300.00) | Transfer To Prosper |
| 10/27/06 | ($200.00) | Transfer To Prosper |
| 11/7/06 | ($100.00) | Transfer To Prosper |
| 11/9/06 | ($150.00) | Transfer To Prosper |
| 11/10/06 | ($100.00) | Transfer To Prosper |
| 11/13/06 | ($100.00) | Transfer To Prosper |
| 11/20/06 | ($50.00) | Transfer To Prosper |
| 11/27/06 | ($200.00) | Transfer To Prosper |
| 12/4/06 | ($100.00) | Transfer To Prosper |
| 12/7/06 | ($200.00) | Transfer To Prosper |
| 12/12/06 | ($200.00) | Transfer To Prosper |
| 12/21/06 | ($100.00) | Transfer To Prosper |
| 12/27/06 | ($100.00) | Transfer To Prosper |
| 1/2/07 | ($100.00) | Transfer To Prosper |
| 1/3/07 | ($100.00) | Transfer To Prosper |
| 1/6/07 | ($100.00) | Transfer To Prosper |
| 1/10/07 | ($100.00) | Transfer To Prosper |
| 1/16/07 | ($100.00) | Transfer To Prosper |
| 1/19/07 | ($100.00) | Transfer To Prosper |
| 1/23/07 | ($100.00) | Transfer To Prosper |
| 1/31/07 | ($100.00) | Transfer To Prosper |
| 2/15/07 | ($100.00) | Transfer To Prosper |
| 2/17/07 | $4,476.87 | Current Account Value |
| 2/17/07 | ($289.92) | 1 Month or More Late |
| Net Actual Cash Flow | Current Account Value | Net Income Before Defaults | Net Income as % Actual Cash Flow |
|---|---|---|---|
| ($4,200.00) | $4,476.87 | $276.87 | 6.59% |
Here is the “Game” definition: Prosper Lender IRR “Game”
Here is the a sample spreadsheet: Prosper IRR Spreadsheet.
The “Game”’s tracking page is at Prosper.com IRR Lender “Game” Tracking Page
If you your like to be included in the game please send your results with permission to publish and a short writeup… I can be reached by email at kevin (at) rateladder [dot] com.
Related Posts -
New Loan Funded — Try this one more time, group leader, wantabe borrower — $19,500 at 14.34% — AA Credit — DTI 59% A new loan funded (Try this one more time, group leader, wantabe borrower  â $19,500 at 14.34%). I participated via my standing order RL Overlooked. The borrower had AA credit, a 59% DTI, and is a homeowner. This was a non autofunding loan. As a reminder my standing orders (and manual bids) only...... -
My Prosper Internal Rate of Return Update (End of Jan 07) -- 1.67% I am tracking my Prosper internal rate of return (IRR). As a reminder my prosper IRR is defined as actual cash flows up to the current month. The current month is positive account balance minus monies added minus loan values in default. I currently have 0 loans in default and...... - Prosper.com Lender Game — Pensioner Initial Update -- 7.08% to 25.23% Pensioner is what he wants to be, it is not what he is. He has the largest dollar amount portfolio in Prosper with a current account value of well over 800K. He is an auditor and accountant by trade. He is local to the San Francisco Bay Area. In addition, he participated......
- My Prosper Internal Rate of Return Update (End of Jun 07) = 5.75% This is a RateLadder only IRR update. (An IRR lender âgameâ update is in the works.) Here is my permanent tracking page: http://rateladder.com/my-prosper-irr/ My Prosper IRR is defined as: Monthly cash flows with one extra month using the current account value minus any loans 1 month or more late. Current......
-
First Test for My New Standing Orders One of my winnings bids had a listing cancelled during the prefunding review (thank you prosper!!). So I now have enough money to bid on another loan.  The loan it found was non auto-funding C Credit -- 35% DTI -- $23,000 @ 23% currently. I bid at 21.55% and......
Related Websites -
Northstar at Tahoe Golf Course, Lake Tahoe, CA The Northstar at Tahoe Golf Course is located near Lake Tahoe, CA Phone: 530.562.3290 Website: http://www.northstarattahoe.com/info/summer/golf.asp Course History: This resort course has something for the whole family, including tennis, horseback riding and many other activities. The staff here are incredibly friendly and the course has built up a reputation of...... - How many people make more than $250,000 per year? How many people make more than $250,000 per year?The short answer: based on information from the IRS, fewer than 3% of tax returns (4 million returns out of 138 million total returns) claimed more than $200,000 in adjusted gross income (AGI) in tax year 2006 (more current data is not......
- Money Merge Account Analysis Pt 10 If you have not yet done so, please read part 1, part 2, part 3, part 4, part 5, part 6, part 7, part 8, and part 9 of this series first, then read on. I received a number of emails after part 5 where I mentioned the HELOC use,......
-
Pacific Grove Golf Course, Pacific Grove, CA Pacific Grove Golf Course is located in Pacific Grove, CA Phone: 831.648.5775 Website: http://www.ci.pg.ca.us/golf/default.htm Course History: This is a beautiful municipal course that has been voted one of the best municipal courses in the nation. The value is absolutely unbeatable and the old English links style of play is...... -
Running Around Like A Chicken Without A Head In Your Internet Home Business? Not Having Success In Your Internet Home Business? One of the biggest killers of your internet marketing dreams is not having a clear destination in mind. To often people get involved with marketing online only to get side tracked with the allure of riches. It is in our nature to......
- Duck Game Calls Hunting
- Unknown Date Ornaments: Miniature Hallmark Decorative Collectible Brands Decorative Collectibles Collectibles
- Jerseys Hockey-NHL Game Used Memorabilia Sports Collectibles
- Pucks Hockey-NHL Game Used Memorabilia Sports Collectibles
- Nelson Rain Date Timers & Controllers Watering Equipment Gardening & Plants Yard, Garden & Outdoor Living Nursery
Categories:
Prosper Lender IRR "Game", Prosper.com
Tags:
0 comments ↓
There are no comments yet...Kick things off by filling out the form below.
Leave a Comment