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:

• Prosper.com Lender Game — RateLadder_com Initial Update — 12.61% to 12.61% I am RateLadder.  I run this website.  I am compelling because you are reading this.  This blog documents my journey and is a more extensive...
• 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...
• Prosper.com Lender Game — leporello Initial Update — (10.04%) to 16.61% leporello joins the game…  Here is his intro… I am a top-100 lender (most days), and think that your analysis is super. I might add...
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• Prosper IRR Lender “Game” Prosper IRR is a tricky calculation.  The concept is very simple.  The problem lies in how to treat delinquent and late loans prior to the...

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Prosper Lender IRR "Game", Prosper.com

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