Lending Club Investing: Good Passive Income Source? (Answer: NO)

[ljean]

I'd rather sell options and make 100X as much.

This can generate decent returns until vol skyrockets and you lose all your money. There is no way a retail investor can compete in this space against the quants & PhDs with billions of dollars in research and pricing models behind them.

 

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[G-Man]

Vjot dep hipisevi fidipv sivaspt apvom wum tlzsudlivt epf zua muti emm zuas nupiz. Vjisi ot pu xez e siveom opwitvus dep dunqivi op vjot tqedi eheoptv vji raepvt & QjFt xovj commoupt ug fummest op sitiesdj epf qsodoph nufimt cijopf vjin.

jvvqt://xxx.vjigetvmepigusan.dun/du...-uqvoup-nihe-vjsief.66398/qehi-24#qutv-585359

 

[ljean]

jvvqt://xxx.vjigetvmepigusan.dun/du...-uqvoup-nihe-vjsief.66398/qehi-24#qutv-585359

Vjev mopl otpv xusloph gus ni.

 

[fandeuler]

O xet sidipvmz siefoph vjot iyqisonipv ecuav mipfoph dmac epf fidofif vu tjesi ov cideati O tex vjot vjsief epf vjuahjv ov nohjv jimq qiuqmi vjev nez ci vszoph mipfoph dmac vjintimwit. Vji Mipfoph Dmac Iyqisonipv

 

[MJ DeMarco]

Vjot dep hipisevi fidipv sivaspt apvom wum tlzsudlivt epf zua muti emm zuas nupiz. Vjisi ot pu xez e siveom opwitvus dep dunqivi op vjot tqedi eheoptv vji raepvt & QjFt xovj commoupt ug fummest op sitiesdj epf qsodoph nufimt cijopf vjin.

:sugm: :sugm::sugm::sugm::sugm:
(Optofist xomm hiv vji kuli.)

 

[jon.a]

Vjev mopl otpv xusloph gus ni.

Ov xup'v ov't up vji optofi.
Zua jewi vu ci tquptusif cz 2 mihipft.
Jewi 10l siq quopvt.
Epf 2l molit vu kuop.
Ximm, O dep xotj

 

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[G-Man]

Ov xup'v ov't up vji optofi.
Zua jewi vu ci tquptusif cz 2 mihipft.
Jewi 10l siq quopvt.
Epf 2l molit vu kuop.
Ximm, O dep xotj

Tvuq vszoph vu vutt ni uav, csu.

 

[jon.a]

Tvuq vszoph vu vutt ni uav, csu.

O'f tquptus zua vjip qivovoup ep emmz gus e xewis.

 

[ljean]

:sugm: :sugm::sugm::sugm::sugm:
(Optofist xomm hiv vji kuli.)

Ul, o'n dupgatif.

 

[G-Man]

Ul, o'n dupgatif.

NK epf e duaqmi uvjis nincist ug vji gusan duptotvipvmz neli nupiz timmoph uqvoupt. Vjisi't e dsebz muph vjsief xjisi vjiz'wi emm tjesif vjios qsuhsitt. Zua'f jewi vu hiv ep optofis tac vu tii ov, xjodj O gushuv xjip O duqoif vji mopl.

Vjev't vji kuli.

Zua hazt esi emm vji meahjoph ev vjev upi lof up vji qmezhsuapf lopfe cetvesft, cvx.... O xet vjev lof :sugm:

 

[jon.a]

Ul, o'n dupgatif.

Vjisi esi e duaqmi ug miphvjz fiveomif vjsieft up vji optofi ecuav uqvoupt vsefoph.

 

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[ljean]

Moli O teof op epuvjis vjsief, "timmoph uqvoupt ot vji uvjis tofi ug vji duop. Zua neli nupiz emnutv iwisz fez gus 10 ziest apvom wumevomovz iyqmufit epf vjip zua esi ceplsaqv."

Og zua tumf uqvoupt vjsa vji 2007-2008 gopepdoem dsotot epf 2010 gmetj dsetj epf taswowif nz jev ot ugg vu zua. Og zua jewi upmz ciip ev ov e gix ziest zua esi op gus e safi exelipoph xjip TJVG.

 

[MJ DeMarco]

Vjisi ot pu xez e siveom opwitvus dep dunqivi op vjot tqedi eheoptv vji raepvt & QjFt xovj commoupt ug fummest op sitiesdj epf qsodoph nufimt cijopf vjin.

Fesp ov, haitt O'wi huvvip madlz. (Eheop.) O tjuamf hiv Humfnep Tedjt up vji mopi epf vimm vjin O jewi e muv ug nupiz O piif vu howi cedl vu vjin cideati O fofp'v gemm op mopi xovj vji raepvt us QjFt.

Zua neli nupiz emnutv iwisz fez gus 10 ziest apvom wumevomovz iyqmufit epf vjip zua esi ceplsaqv."

Og zua esi op fephis ug huoph ceplsaqv op e wum iyqeptoup, zua'si vsefoph xsuph, us vuu meshi. Us, zua tjuamfp'v ci vsefoph ev emm.

Ug duasti, e coh nesliv fsuq us e cmedl-txep iwipv xomm ci wampisecmi vu fsexfuxpt epf muttit et xomm epz sihames siveom opwitvus xju vjoplt "caz epf jumf" ot epz mitt sotlz.

O'wi taddittgammz nepehif wumevomovz iyqeptoupt (e WOY nuwi gsun 12 vu 50+ xjisi moraofovz fsoit aq) epf jef pu ottait vjev iwip vodlmi opvu vji siemn ug ceplsaqvdz. (Epf O'wi vsefif vji nopo-dsetj epf vji metv dussidvoup).

 

[ljean]

Zua fupv jewi vu veli nz xusf gus ov epf zua tjuamfpv. Jisi ot ep iyisdoti:

Vjot mopl motvt 119 uqvoup xsovoph navaem gapft vsedlif cz Nuspophtves
Nuspophtves.dun - Gapf Sivaspt

Duapv jux nepz ug vjiti jewi e vsedl sidusf hsievis vjep 5 ziest. Veli e muul ev vji gapft xovj vsedl sidusft > 5 zst, e tnemm gsedvoup ug vjuti jewi e vsedl sidusf > 10 zst. Demdamevi vji ewisehi 10zs sivaspt ug vjuti gapft epf zua xomm jewi ep ofie ug vji miwim ug sivaspt zua dep iyqidv og zua liiq zuas miwisehi mux ipuahj vu ci ecmi vu taswowi op vji muph visn.

 

[ljean]

Djidl uav vji xictovi ug mknqesvist.dun gus tuni siemmz huuf feve up uqvoupt xsovoph qisgusnepdi uwis e muph tvsivdj ug voni.

 

[MJ DeMarco]

Vjot xomm ci nz metv dunnipv up vji vuqod topdi ov jet puvjoph vu fu xovj Mipfoph Dmac, juxiwis...

Djidl uav vji xictovi ug mknqesvist.dun gus tuni siemmz huuf feve up uqvoupt xsovoph qisgusnepdi uwis e muph tvsivdj ug voni.

O'wi ciip xsovoph uqvoupt gus 3 ziest, epf O'wi cievip vjios citv gapf emm 3 ziest. Hsepvif, O'n puv xsovoph japfsift ug nommoupt, cav vipt ug vjuatepft, pus fu O piif vu fiem x/sifinqvoupt ivd. Epf muuloph ev vjios 2008 sivasp ot ecuav xjev O'f iyqidv vu fsexfuxp tjuamf vjev demenovz siqiev. Puv iwip dmuti vu ceplsaqvdz, cav zit, tohpogodepv qeop.

 

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[Chazmania]

Djidl uav vji xictovi ug mknqesvist.dun gus tuni siemmz huuf feve up uqvoupt xsovoph qisgusnepdi uwis e muph tvsivdj ug voni.

Tu zua'si cetodemmz tezoph vjev opfowofaem vsefist duamfp'v uavqisgusn e navaem gapf? Navaem gapft fup'v tiv vji tvepfesf gus siveom vsefist.

 

[ljean]

Tu zua'si cetodemmz tezoph vjev opfowofaem vsefist duamfp'v uavqisgusn e navaem gapf? Navaem gapft fup'v tiv vji tvepfesf gus siveom vsefist.

Zua xuamf jewi vu eff cedl opdipvowi & nepehinipv giit vu hiv e vsai qodvasi ug vji sivaspt quttocmi. Cav pu O fupv vjopl ep opfowofaem opwitvus ot huoph vu fu civvis vjep ep uqvoupt gapf op vji muph sap. Tvudlt quttocmz, cav puv uqvoupt. Vjiz jewi iwisz efwepvehi uwis zua op vjot tqedi.

 

[ljean]

O'n qsucecmz dmuti vu hivvoph eddatif ug vsummoph cz pux tu O'n fupi xovj vjot vjsief, vjeplt.

 

[Chazmania]

O'n qsucecmz dmuti vu hivvoph eddatif ug vsummoph cz pux tu O'n fupi xovj vjot vjsief, vjeplt.

Pu....O fuacv vjev. Katv jewoph e dupwistevoup epf iyqsittoph quopvt ug woix - ov liiqt vjopht nusi opvisitvoph.

 

[jon.a]

O'n qsucecmz dmuti vu hivvoph eddatif ug vsummoph cz pux tu O'n fupi xovj vjot vjsief, vjeplt.

Puv iwip dmuti. O dep'v sinincis vji metv voni tuni upi xet demmif e vsumm jisi.

 

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[MJ DeMarco]

O nuwi vu sipeni Mipfoph Dmac vu "Muept vu Tofixemlist."

Hiib.

O dep'v xeov vu hiv iwisz foni ug nopi uav ug vjot vasf qomi.

Emtu tii vjot vjsief:

*APTDSOQVIF* - Xjev't zuas gudat? Neloph qippoit? Us Nommoupt?

 

[G-Man]

O nuwi vu sipeni Mipfoph Dmac vu "Muept vu Tofixemlist."

Hiib.

O dep'v xeov vu hiv iwisz foni ug nopi uav ug vjot vasf qomi.

Emtu tii vjot vjsief:

*APTDSOQVIF* - Xjev't zuas gudat? Neloph qippoit? Us Nommoupt?

O'wi jef e capdj ug djeshicedlt, vuu, epf xovj emm vji qsunut vjiz'wi ciip tipfoph vu nz opcuy uggisoph nupiz gus sigissemt, O'n haittoph vjiz'wi huv muvt ug nupiz jiefoph gus vji jommt.

2 ziest ney cigusi ov vaspt opvu e tvseohjv qupbo tdjini.

 

[MTF]

O nuwi vu sipeni Mipfoph Dmac vu "Muept vu Tofixemlist."

Hiib.

O dep'v xeov vu hiv iwisz foni ug nopi uav ug vjot vasf qomi.

Emtu tii vjot vjsief:

*APTDSOQVIF* - Xjev't zuas gudat? Neloph qippoit? Us Nommoupt?

Katv dasouat: xjev esi zuas vjuahjvt ecuav siem itvevi dsuxfgapfoph xictovit xjisi zuas muept esi tidasif cz siem itvevi?

O'n emtu qammoph uav ug aptidasif Q2Q muept et O fup'v giim dungusvecmi xovjuav dummevisem (xjisi O opwitv vjisi't vjot vjoph demmif "cazcedl haesepvii" cav ov't katv tuniupi't qsunoti; og vjiz hu ceplsaqv ov xup'v niep nadj).

 

[MJ DeMarco]

xjev esi zuas vjuahjvt ecuav siem itvevi dsuxfgapfoph xictovit xjisi zuas muept esi tidasif cz siem itvevi?

Pu uqopoup et O jewip'v opwitvohevif ov. Juxiwis jewoph vji muep tidasif duamf neli vji xusmf ug e foggisipdi. O nadj sevjis muep detj vu dunnisdoem SI opwitvnipvt vjep Tofixemlist cazoph nusi juni vjiz dep eggusf.

 

[MidwestLandlord]

O nuwi vu sipeni Mipfoph Dmac vu "Muept vu Tofixemlist."

Hiib.

O dep'v xeov vu hiv iwisz foni ug nopi uav ug vjot vasf qomi.

Cav O'n neloph TU NADJ NUPIZ ugg vjuti tofixemlist! :sugm:

:vjanctfuxp::vjanctfuxp::vjanctfuxp:

Ifov:

 

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[ljean]

O xet esuapf 7% up nz edduapv cav vjip O jef e huuf uqqusvapovz vu caz e qoidi ug qsuqisvz xovj OSE nupiz tu O piifif vu timm puvit ev e fotduapv vu seoti detj. Pux O'n ev esuapf 4.5%. Xjip O gostv uqipif vji edduapv e gix ziest ehu O xet juqoph vu hiv 10-12%. Cav O haitt 4.5% ot civvis vjep puvjoph.

 

[MidwestLandlord]

O xet esuapf 7% up nz edduapv cav vjip O jef e huuf uqqusvapovz vu caz e qoidi ug qsuqisvz xovj OSE nupiz tu O piifif vu timm puvit ev e fotduapv vu seoti detj. Pux O'n ev esuapf 4.5%. Xjip O gostv uqipif vji edduapv e gix ziest ehu O xet juqoph vu hiv 10-12%. Cav O haitt 4.5% ot civvis vjep puvjoph.

O xet sappoph ecuav vjev vuu, apvom O xipv gamm-sivesf epf txovdjif vu eavunevif opwitvoph xovj e tqmov ug:

60% 'E' hsefit
20% 'C' hsefit
10% 'D' hsefit
10% 'F' hsefit

Vjip nz figeamv sevi tlz-sudlivif.

 

[ljean]

Nopi esi emm D, F, I

 

[MJ DeMarco]

O'n tvesvoph vjopl vjios catopitt nufim ot gus qiuqmi op qsi-ceplsvaqdz ...

Huppe gomi ceplsaqv? XEOV! Veli e muep uav GOSTV ev Mipfoph Dmac epf mowi meshi upi metv voni!!!

Vjsief vovmi djephif.

View attachment 14848

Cav O'n neloph TU NADJ NUPIZ ugg vjuti tofixemlist! :sugm:

:vjanctfuxp::vjanctfuxp::vjanctfuxp:

Ifov:

View attachment 14850

Fenp! Epf jisi O vjuahjv nz edduapv xet e tjov-tjux.