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Lending Club Update (May 2015)

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Every few months, I do a net worth review. As I was doing the latest one, I got to my Lending Club account and realized it had been a long time since I've written a Lending Club update.

I hadn't no idea how long it had been.

The last update I found was a year old: Lending Club Update (May 2014)

At the time, I had a "if everything was perfect" rate of return of 8.10%. Using the more likely, "average amount of defaults" my rate of return was expected to be 7.02%

Today, not much has changed.

Lending Club May 2015 Performance

Lending Club May 2015 Performance (Click for larger version)

The high/"perfect" rate of return is 7.83%. The likely/"average" rate of return is 7.18% (pictured above).

It looks safe to say that I'm getting a 7%+ return in Lending Club. I think that's great considering interest rates elsewhere and the consistency I've seen in the account over the years. Investing in the stock market can have some wild swings, but the growth in my Lending Club account is slow and steady. The 200 loans I have seems to eliminate the ups and downs. Don't believe me? Here are many of the reviews of my Lending Club account over the years.

Years of data, consistent gains, a generous 7% return... I think these things could be valuable in any portfolio.

If you agree, sign up for Lending Club today and start earning a health interest rate on your money.

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P2P Lending

Posted on May 27, 2015.

One Month of Solar Power

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I hit refresh on the browser for at least the 10th time only to get the same result as before… nothing. “Why won’t they bill me?!?!”, I thought. Yes, I was anxiously hoping to get a bill. I had officially entered Bizarro World. I’ve been writing about my solar journey for about a year now. […]

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Smart Purchases, Spending

Last updated on May 25, 2015.

Is Jeunesse a Scam?

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Back in 2008, I asked if MonaVie was a scam and with over 6500 comments from readers I came to the conclusion that MonaVie was a scam. Specifically, I showed that “MonaVie is a grossly overpriced product, with little nutritional value, wrapped in a poor business opportunity that appears to be illegal pyramid scheme, supported […]

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MLM

Posted on May 22, 2015.

10 Hacks to Speed Up Your Browser

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My laptop is getting had it’s 2 year birthday a couple of months ago. It wasn’t the fastest processor on the block to start with, but with the time it has gotten much, much slower. I’ve already written about How to Speed Up Your Computer, but after you take all those steps, what do you […]

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Technology Tip

Posted on May 20, 2015.

Gold vs. Bitcoin – Who You Got?

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I saw that Miranda from Planting Money Seeds wrote about how gold was killing her investment portfolio. I had a little chuckle because years ago I asked if gold is just yellow metal. I think I’m in a minority who just don’t understand the value of gold. I really hadn’t thought about gold as investment […]

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Investing

Posted on May 19, 2015.

Kill Your Cable Box (DVR) Monthly Fees!

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For the last 3.5 years I haven’t paid the cable company a penny in rental fees for a cable boxes. I didn’t sacrifice any features I use and actually gained quite a few. Most people pay around $8/mo. for a dumb box (no DVR) or $16/mo. for (limited) DVR storage. I was one of those […]

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Smart Purchases, Spending

Posted on May 18, 2015.

Who Wants In on the DRAFTApp Private Beta?

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This post is part of the #IwantDRAFT campaign with support from DRAFT, the app that uses crowdsourced data to help you understand and compare your portfolio, in partnership with Kasai Media. As always, the words and opinions, are mine and mine alone. When I lived in Silicon Valley, I was fortunate enough to attend Finovate, […]

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PF Review

Posted on May 14, 2015.

What’s Your Financial Freedom Plan?

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Last month I reviewed Martin of Studenomics’ book. Failure To Launch No More (read the review). My conclusion was that while the book will not win a Pulitzer, it is well worth the very small investment in your time and money to read it.) Martin has another book out: Next Round’s On Me: How-to Achieve […]

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Financial Freedom

Posted on May 13, 2015.

America has Lost its Mind

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That should be the title about how how Americans can’t afford an $1000 expense. This article is going to be emotional and strongly worded, so if you arrived here for a daily dose of personal finance take that link and run… or just close your browser window. I’d for you to come back tomorrow. I […]

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About / Admin, Introspection

Posted on May 12, 2015.

Leasing Solar Panels Revisited

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Today over at Planting Money Seeds, there’s a very good article about leasing solar power panels to save money on your electric bill. This is a very smart thing to do in quite a few states with high electricity prices… BUT… we’ll let’s leave the big “BUT” for later. The idea is this. You let […]

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Smart Purchases, Spending

Posted on May 11, 2015.

 
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