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Saturday, December 8, 2020
From Prosperous Land - view blog entries - visit this blog
December 8, 2020 at 9:24 am ET
All I have to say is "SQUIRREL!!!" fred93 posted an update on Prosper's default rates and he wasn't too keen on how they're calculated: One problem with the 2.7% number is found in the choice of numerator. ... (more)

Friday, December 7, 2020
From Prosperous Land - view blog entries - visit this blog
December 7, 2020 at 1:12 pm ET
This was a guest post on Prosper's new blog. When Prosper created their portfolio plans, they added a tool to help new lenders enter the marketplace. It assembles a portfolio of loans whose only objective is ... (more)

From Prosperous Land - view blog entries - visit this blog
December 7, 2020 at 8:28 am ET
There have been some anecdotal reports that Prosper is making minor headway in improving their loan collections. It's very preliminary and sketchy, but it leaves open the possibility of progress. First, a few members of the ... (more)

Thursday, December 6, 2020
From Prosperous Land - view blog entries - visit this blog
December 6, 2020 at 3:29 pm ET
I had originally replied to Prosper's blog post by leaving a comment (which was deleted by moderators - grrrr), but found that there was more to pontificate on and kept going. In Prosper's blog post Money ... (more)

From Prosperous Land - view blog entries - visit this blog
December 6, 2020 at 1:17 pm ET
Prosper dropped a rather sizable upgrade last night, including the Prosper blog as I revealed was coming soon. The full list can be found on the Prosper forums (login required - grrrr), but two items ... (more)

Wednesday, December 5, 2020
From Prosperous Land - view blog entries - visit this blog
December 5, 2020 at 9:54 am ET
Prosper refreshed the statistics for the bidding and portfolio ROI in the last day or so. The new statistics are for loans underwritten between June 1, 2020 and Sept 30, 2020 as viewed from Oct ... (more)

Tuesday, December 4, 2020
From Prosperous Land - view blog entries - visit this blog
December 4, 2020 at 6:00 pm ET
It started with an eagle eyed lender on the prosper.org forum spotting an interesting tid-bid in a Prosper job posting on the San Francisco Craigslist employment area. Prosper is looking for a temp to fill ... (more)

From Prosperous Land - view blog entries - visit this blog
December 4, 2020 at 8:49 am ET
After my initial reaction to Prosper removing group rewards, I spent some time understanding the (near) collective wisdom that group rewards needed to go. I've hit acceptance. The positive group leaders could not overcome the ... (more)

Monday, December 3, 2020
From Prosperous Land - view blog entries - visit this blog
December 3, 2020 at 7:56 am ET
My previous attempt at getting a handle on how collections are proceeding on Prosper following the arrival of the new VP of operations didn't go so well. I did not have a grasp on how ... (more)

Sunday, December 2, 2020
From Prosperous Land - view blog entries - visit this blog
December 2, 2020 at 11:03 am ET
While reviewing Prosper's state lending limits to see if everyone had bumped up to 36%, I noticed that some of the values had drifted a bit from the last officially announced state limit change back ... (more)

Saturday, December 1, 2020
From Prosperous Land - view blog entries - visit this blog
December 1, 2020 at 10:02 am ET
Unlike many stores, I at least had the decency to avoid Christmas references until after Thanksgiving. Now onto the giftwrapped, linky goodness. My MicroFinance - Zzzzz… Zopa.com Have you ever been promised something, then that day comes ... (more)

Friday, November 30, 2020
From Prosperous Land - view blog entries - visit this blog
November 30, 2020 at 2:55 pm ET
I keep watching the housing market and sub-prime mess because it's an indicator of states that will be distressed and have higher odds default for loan issued to homeowners in those markets (and folks employed ... (more)

From Prosperous Land - view blog entries - visit this blog
November 30, 2020 at 11:09 am ET
112233 over on prospers.org forums has noticed that the new Prosper forums are using Community Server 2007 as the technology base for the forums. I suspect that the moderation features were part of the considerations. Moderation ... (more)

Thursday, November 29, 2020
From Prosperous Land - view blog entries - visit this blog
November 29, 2020 at 4:25 pm ET
Remember those new features that Prosper unveiled at the Finvoate but didn't want to talk about? Well, the Finovate folks have finally published the video. Almost everything talked about has already been implemented (except the ... (more)

From Prosperous Land - view blog entries - visit this blog
November 29, 2020 at 11:10 am ET
Yesterday I mentioned that I don't like the new Prosper forums but I hesitated to list my reasons. With just a day of mulling, it wasn't enough time to be thoughtful. After sleeping on it, ... (more)

Wednesday, November 28, 2020
From Prosperous Land - view blog entries - visit this blog
November 28, 2020 at 4:21 pm ET
The "When Will Ads Appear Competition" is running and I'm still taking guesses. I think it's likely that Prosper will place ads for some well meaning financial institution along with the Low Estimated Return warning (probably ... (more)

From Prosperous Land - view blog entries - visit this blog
November 28, 2020 at 1:49 pm ET
Prosper has unveiled their new forums (see zcommodore here and here, or RateLadder here) and they've not been well received. It's very nice that they tied the forum IDs to the Prosper lender/borrower ID. Unfortunately, ... (more)

From Prosperous Land - view blog entries - visit this blog
November 28, 2020 at 11:38 am ET
Calculated Risk is one of my regular reading blogs for watching the sub-prime housing implosion. In the process, however, there's some commentary on lending that is relevant for Prosper lenders. Tanta had a long missive ... (more)

Tuesday, November 27, 2020
From Prosperous Land - view blog entries - visit this blog
November 27, 2020 at 11:03 pm ET
Tastes just like linkfest but with half the calories [*] zcommodore: Loan size going up I noticed that, while the number of loans being made had appeared to be going down, the size of loans is up ... (more)

From Prosperous Land - view blog entries - visit this blog
November 27, 2020 at 11:02 pm ET
My family and I have safely returned to the land of hippies and music Austin, Tx. I'm getting familiar to the internet again and will return to my usual daily-ish postings once my brain has ... (more)

Monday, November 26, 2020
From Prosperous Land - view blog entries - visit this blog
November 26, 2020 at 8:51 pm ET
I return from a peaceful Thanksgiving vacation all psyched up to see what new calamities have struck Prosper, and the forums are down: This forum has been taken off line in anticipation of the launch of ... (more)

Sunday, November 25, 2020
From Prosperous Land - view blog entries - visit this blog
November 25, 2020 at 12:38 pm ET
In the spirit of Thanksgiving, it's time for a warm fuzzy and someone giving thanks. It's good to remember that there are real people borrowing on Prosper and they are trying to better themselves. Here's ... (more)

Wednesday, November 21, 2020
From Prosperous Land - view blog entries - visit this blog
November 21, 2020 at 6:15 pm ET
For those vindictive lenders, this is a chance to savor the schadenfreude (not that there are any in the Prosper lending community who would be vindictive. No, none at all). For borrowers, this is another ... (more)

Monday, November 19, 2020
From Prosperous Land - view blog entries - visit this blog
November 19, 2020 at 10:35 pm ET
I'm going to be taking what I think is a well earned vacation over the next several days. The downside is that the relatives we're staying with are not quite so tech savvy so my ... (more)

Sunday, November 18, 2020
From Prosperous Land - view blog entries - visit this blog
November 18, 2020 at 11:50 pm ET
RateLadder beat me to this (that'll teach me to being Thanksgiving sloth-hood early), but you're missing the rest of the story. Mr Deluxe posted to the forums that while late on his loan, he had received ... (more)

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