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Posted by Martin November 04, 2017

October 2017 results

October is over and it brought a few significant changes to my accounts. When I changed my daily job, I begun a 401k transfer to a self directed IRA account. At first I transferred my old 401k to TD Ameritrade. I also asked TD to adjust my fee schedule to get better assignment fees and Continue reading →

Posted by Mark Pokorny October 31, 2017

Is Credit Score an Accurate Tool for Evaluating Mortgage Applicants

Is Credit Score an Accurate Tool for Evaluating Mortgage Applicants

In the US and most countries, credit scoring is usually the first thing that a mortgage lender does upon receiving a application. The importance of credit ratings in the mortgage industry cannot be undermined, that’s for sure. But are they as accurate and effective are they are said to be? Well, we don’t think so Continue reading →

Posted by Martin October 03, 2017

September 2017 results

Another month is over and time to review my accounts, trading and investing results for September 2017. September was volatile month mainly to my trading yet I was able to end higher than in August in all accounts. Again, this month, I was not focusing on income but rather on bringing my accounts to the Continue reading →

Posted by Martin September 07, 2017

Lending Club screening & investing criteria

In my post “A bitter return to Lending Club” I wrote that I would be returning to investing with Lending Club but this time I would be very conservative in selecting notes to invest in. Originally, I wanted to invest only a very small amount of money ($25 dollars a month) but later on, I Continue reading →

Posted by Martin September 06, 2017

New Job And July – August 2017 Income Reports

Lately, I wasn’t posting much as I quit my job and I was on the hunt for a new one. Then, all my trading and dividend investing was on an autopilot and I wasn’t posting much either. Now, that I have a new job, I hope will be able to get back to trading and Continue reading →

Posted by Martin July 01, 2017

A bitter return to Lending Club

I always look for investing opportunities which are, or can be, easily achievable to me. By that I mean that they are within my reach of limited money to invest. I started investing in Lending Club in 2012 and I was very successful in it. Yes, I was using a loophole to avoid default notes Continue reading →

My Lending Club account liquidated

Today I finished liquidation of my Lending Club portfolio. I decided to keep 500 dollars in the account and just reinvest the proceeds. I will keep the account totally passive. I will not be adding more cash and withdrawing any cash until retirement. At this moment I am playing with other people’s money. I received Continue reading →

Why I will no longer invest in Lending Club

Every great story will end one day. This is the case of my investments in Lending Club. Yes I am closing my account (or significantly reducing my exposure) with Lending Club and moving all available cash to equities. The reason? Recent changes in trading platform which now prevent me from effectively manage and protect my Continue reading →

Posted by Martin March 10, 2013

Lending Club Goal 2013 Completed!

Lending Club Goal 2013 Completed!

I would like to announce that I completed my first goal I set for 2013 and that was to reach 14% annual return rate. I am very happy about it, because with this rate of return, my investment will double every 5 years! My other goals are going well too. It looks like I under-sized Continue reading →

Posted by Martin March 05, 2013

How to Spot Bad Notes in Lending Club Before They Turn Bad – Part 1

Since a few months ago when I claimed that I had zero In Grace Period, Late, or Defaulted notes in my Lending Club account, I have started receiving emails from other investors whether I would be willing to share my strategy how I avoid the notes before they turn bad. Originally I was just responding Continue reading →