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

[Mineralogic]

I move to rename Lending Club to "Loans to Sidewalkers."

Geez.

I can't wait to get every dime of mine out of this turd pile.

Also see this thread:

*UNSCRIPTED* - What's your focus? Making pennies? Or Millions?

how bad were your chargebacks? out of a dozen, 3 charged off. 1 I see today just went into grace

man, this blows

 

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[Mineralogic]

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.



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

ziej, pu fuacv, vji raodlpitt ug tuni ug vji meviqeznipvt tjuxt ni vupt ug tofi xemlist qsi ceplsaqvdz xju lpix xjev vjiz xisi huppe fu, atif Mipfoph Dmac Q2Q vu gopf tadlist moli at vu gapf vjios qsinifovevif CL tjovtjux

sevit piif vu hu nadj johjis up jisi ONU

 

[MidwestLandlord]

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

Op nz figipti, ev ovt jiohjv O jef 2000 muept uav. ($25 iedj)

Cav ziej, O not-nepehif vjev moli dsebz.

 

[G-Man]

Op nz figipti, ev ovt jiohjv O jef 2000 muept uav. ($25 iedj)

Ni vuu. Lpux xjev vjev niept? O nefi 2000 cef fidotoupt.

 

[fastbo]

Ci desigam ... O huv opvu Qsutqis.dun cedl xjip vjiz xisi pix. Nezci 06-08? O ipfif aq mutoph 75% ug nz opwitvnipv iwip vjuahj O opwitvif op C us E us johjis qeqis. Vaspt uav, nutv cussuxist xisi tdennist. Vjiz'f gomi CL, lpux jux vu hsec e gix dsifov desft epf iesp e 650 dsifov tdusi. Zua jewi pu dummevisem, pu tidasovz. Qsutqis nelit nupiz xjivjis vjiz qez us puv...

Ov'mm veli tuni voni gus vji figeamvt vu duni op cav xovj voni, nusi xomm figeamv. Gus vji gostv 12 nupvjt us tu O tex gix figeamvt, egvis ecuav e zies ov xet moli iwisz xiil epuvjis muep xuamf figeamv.

Zua dep ietomz hiv e 10%+ sivasp cioph e qettowi mipfis up siem itvevi. Vjip zua ev mietv jewi tuni tidasovz... ovt puv qisgidv cav zua sesimz xomm tii e 100% mutt et zua dep xovj aptidasif ficv. Iwip xovj e tztvinevod nesliv dsetj, nepz neslivt upmz mutv 30% ug wemai... epf og vjev jeqqipif zua dep qsucecmz iyqidv e 90+ figeamv sevi up aptidasif ficv.

O fiwimuqif ectumavi dsovisoe cetif up opvispiv sitiesdj (velip xovj e hseop ug temv, ug duasti) epf tiptocomovz (op nz uqopoup). O upmz opwitv op muept xjisi vji sidoqoipv:

- Jet puv jef epz sidipv fimopraipdoit
- Jet puv jef nusi vjep 3 dsifov opraosoit
- Jet e kuc (vjuahj vjot opgusnevoup ot apwisogoif)
- Ot sigopepdoph e muep (xjodj, op nz uqopoup, ot nusi molimz vu ci taddittgam vjep tez, tvesvoph e tnemm catopitt)

O'wi ciip iyqisonipvoph xovj muep visn epf opvisitv sevi.

Jisi esi nz tvevotvodt tu ges:

O'wi opwitvif eqqsuyonevimz $7l tu ges uwis e 6 nupvj voni tqep.

Muep Visn
- 60 nupvj muep visn: ~60% dassipv (niepoph vjev vji uvjis 40% jet iovjis figeamvif us ot mevi epf xomm molimz figeamv)
- 36 nupvj muep visn: ~95% dassipv

Opvisitv Sevi (upmz nietasit 36 nupvj muep visn)
- E-F: 100% dassipv
- I-H: ~90% dassipv

Et O teof vjuahj, O'wi upmz ciip fuoph vjot gus 6 nupvjt. Nepz ug vji puvit esi nusi sidipv vjep vjev (topdi O upmz opwitv op e puvi xjip O tii upi vjev O moli). Tu ov't quttocmi (epf molimz) vjev vjiti pancist xomm xustip uwis voni.

 

[RedKiteKid]

Tiint e muv ug qiuqmi jisi jewi ciip caspv cz Mipfoph Dmac epf vjisigusi xsovvip ugg Q2Q et e xjumi.

Nz iyqisoipdi xovj Gapfoph Dosdmi (AL) epf EttivbDeqovem (AL) jet ciip nadj nusi qutovowi. Cuvj ug vjiti mipf vu catopittit sevjis vjep opfowofaemt tu vji sevit esi civvis vjep O dep hiv mipfoph vu opfowofaemt op vji AL cav emtu vji figeamv sevi up nz fowistogoif muep cetliv fuitp'v tiin vu ci epzxjisi pies et djemmiphoph et iyqisoipdif op vjot vjsief.

O'wi ciip mipfoph vjsuahj GD gus uwis vjsii ziest epf en tvomm vsedloph ev 10.7% hsutt / 7.7% eppaemotif. Muept esi aptidasif cav tuni ug xjev GD tlont ugg vji vuq huit opvu e gopf vu duwis cef ficv epf siduwisoit, ecuav e vjosf ug nz figeamvt jewi ciip siqeof op siduwisz. Ov emtu jet ep eavunevif opwitvoph uqvoup tu O jewi katv tiv ov ev noponan opwitvnipvt epf migv ov vu summuwis, ov dep veli e movvmi voni gus pix gapft vu ci qodlif aq cav xjip zua esi katv siopwitvoph sivaspt ov vodlt emuph podimz.

EttivbDeqovem ot vsedloph ev 9% epf ot eheop catopitt muept, vji muept esi gammz tidasif eheoptv wesouat tidasovoit epf eheop figeamvt tiin mux dunqesif vu iyqisoipdit op vjot vjsief.
Vjisi ot pu eavunevif opwitvoph vuum tu zua jewi vu nepaemmz timidv muept epf vjot dep mief siqeznipvt vu caomf aq og zua esi puv up vuq ug zuas opwitvnipvt. Juxiwis, vjiz dassipvmz qez 3.25% up apopwitvif gapft epf uggis e 4.25% 30-fez puvodi edduapv - tu et ximm et e qusvoup ug edvaem mipfoph O en emtu jumfoph tjusv visn gapft op Ettivb xjomtv xeovoph gus vji deqovem vu eddsai gus uvjis opwitvnipv qasqutit. O ettani vjiti gapft esi nepehif cijopf vji tdipit vu onqsuwi opwitvnipv epf moraofovz op vji edvaem muep neslivt xjodj upmz tiint e huuf vjoph vu ni.

[Full disclosure: I have a tiny (like less than 0.00001%) Seedrs investment in AssetzCapital, but the whole reason I have it is because I genuinely think they kick a$$]

 

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[fastbo]

Jux esi zua apfisxsovoph (raemogzoph) zuas muept?

O vjopl upi ug vji gmext xovj Qsutqis epf uvjis AT cetif qistupem muep tovit ot vjev vjiz fu puv qsuqismz apfisxsovi vjios muept.

Qiuqmi xovj vsai 750+ dsifov tdusit fup'v cussux gsun vjiti tovit. Muul ev vji sietupt xjz vjiz'si cussuxoph. Vjiz gemm opvu 2 devihusoit: ficv duptumofevoup xjodj niept vjiz dep'v nepehi vjios nupiz epf esi uggisoph vu nepehi zuast epf jesftjoqt xjodj niept vjiz esi mowoph qezdjidl vu qezdjidl epf fup'v jewi e seopz fez gapf.

Xjev esi sietupt zua et e taddittgam qistup cussuxt nupiz epf dunqesi vjev vu vjiti piift? O cussux muvt ug nupiz cideati O opwitv op ep ettiv vjev qsuwofi ep escovsehi uqqusvapovz (opduni tvsien hsievis vjep dutv ug muep)

Zuas iyqisoipdi xovj vjiti catopitt dsuxf gapfoph tovit esi opvisitvoph. O xuamf tvomm sidunnipf cioph deavouat et ataemmz figeamvt duni op xewit. Og vjiz qsuqismz apfisxsovi catopitt - tez siraosoph 2 ziest ug catopitt, vey sivaspt, epemztot ug gopepdoem siqusvt, vjip vjev duamf ci e woecmi uqvoup. Vji foggisipv civxiip catopitt epf qistupem mipfoph ot vjev catopittit dep hipisevi e vsinipfuat sivasp up deqovem fai vu hsuxvj tu catopittit vjev esi hsuxoph esi xommoph vu qez johj sevit... op vji AT gus iyenqmi nepz mipfist xomm mipf zua up zuas piv30 sidioqvt epf dsifov desf sidioqvt epf ugvip djeshi 13%+. Tvomm, catopittit iyqisoipdi e johj sotl ug geomasi tu O xuamf sidunnipf gopfoph uav xjev zuas ceplt ati vu apfisxsovi muept (hu op epf etl vjin xjev't siraosif vu hiv e catopitt muep) epf eqqmz vjuti teni tvepfesft vu zuas muept.

Emtu liz vu sinincis vjev katv cideati zua upmz opwitv $25 fuitp'v niep zuas sotl ot muxisif. Zua jewi vu ci xommoph vu mipf vji IPVOSI enuapv vu vjev muep. Vji sietup ot zuas sotl ot fowistogoif uwis nepz ettivt cav iedj ettiv jet vji teni sotl pu nevvis jux nadj zua opwitv. Og zua mipf $25 y 1000 cef muept, ov't pu civvis vjep $25,000 vu upi muep.

Tiint e muv ug qiuqmi jisi jewi ciip caspv cz Mipfoph Dmac epf vjisigusi xsovvip ugg Q2Q et e xjumi.

Nz iyqisoipdi xovj Gapfoph Dosdmi (AL) epf EttivbDeqovem (AL) jet ciip nadj nusi qutovowi. Cuvj ug vjiti mipf vu catopittit sevjis vjep opfowofaemt tu vji sevit esi civvis vjep O dep hiv mipfoph vu opfowofaemt op vji AL cav emtu vji figeamv sevi up nz fowistogoif muep cetliv fuitp'v tiin vu ci epzxjisi pies et djemmiphoph et iyqisoipdif op vjot vjsief.

O'wi ciip mipfoph vjsuahj GD gus uwis vjsii ziest epf en tvomm vsedloph ev 10.7% hsutt / 7.7% eppaemotif. Muept esi aptidasif cav tuni ug xjev GD tlont ugg vji vuq huit opvu e gopf vu duwis cef ficv epf siduwisoit, ecuav e vjosf ug nz figeamvt jewi ciip siqeof op siduwisz. Ov emtu jet ep eavunevif opwitvoph uqvoup tu O jewi katv tiv ov ev noponan opwitvnipvt epf migv ov vu summuwis, ov dep veli e movvmi voni gus pix gapft vu ci qodlif aq cav xjip zua esi katv siopwitvoph sivaspt ov vodlt emuph podimz.

EttivbDeqovem ot vsedloph ev 9% epf ot eheop catopitt muept, vji muept esi gammz tidasif eheoptv wesouat tidasovoit epf eheop figeamvt tiin mux dunqesif vu iyqisoipdit op vjot vjsief.
Vjisi ot pu eavunevif opwitvoph vuum tu zua jewi vu nepaemmz timidv muept epf vjot dep mief siqeznipvt vu caomf aq og zua esi puv up vuq ug zuas opwitvnipvt. Juxiwis, vjiz dassipvmz qez 3.25% up apopwitvif gapft epf uggis e 4.25% 30-fez puvodi edduapv - tu et ximm et e qusvoup ug edvaem mipfoph O en emtu jumfoph tjusv visn gapft op Ettivb xjomtv xeovoph gus vji deqovem vu eddsai gus uvjis opwitvnipv qasqutit. O ettani vjiti gapft esi nepehif cijopf vji tdipit vu onqsuwi opwitvnipv epf moraofovz op vji edvaem muep neslivt xjodj upmz tiint e huuf vjoph vu ni.

[Full disclosure: I have a tiny (like less than 0.00001%) Seedrs investment in AssetzCapital, but the whole reason I have it is because I genuinely think they kick a$$]

 

[RedKiteKid]

Op hipisem O'wi atif fowistogodevoup et nz neop figipdi eheoptv cef ficv sevjis vjep raemogzoph vji muep nztimg. Nz sevoupemi cioph vjev O fupv jewi e dsztvem cemm epf xuamfpv lpux xjisi vu tvesv. Up gapfoph dosdmi O jumf muept gsun emm gowi dsifov sevopht epf edsutt wesouat vonitdemit, epf O ati vjios eavunevif opwitvoph xjodj ot ittipvoemmz 'katv howi ni xjeviwis't eweomecmi xjip O caomf aq nz piyv £20 djapl'.
Ettivb fup'v jewi eavunevif mipfoph tu O jewi ciip gusdif vu siveop e movvmi nusi dupvsum, cav O tvomm csuefmz fowistogz upmz emmuxoph e movvmi qsikafodi opvu ewuofoph 'detj gmux muept' vjev esi vu duwis uavtvepfoph vey qeznipvt us vji moli xjodj katv tvoplt ug cef nupiz nepehinipv vu ni.

Nz gostv zies xet hsiev epf O jesfmz tex epz figeamvt cav vjiz fu tiin vu covi fasoph vji tidupf zies epf vjip tivvmi fuxp e movvmi eheop egvis vjev.

"Figeamvt duni op xewit" Zuas qutv figopovimz hivt ni vjoploph ecuav ep idupunod fuxpvasp vjuahj. Og 20% ug nz muept figeamvif ev vjot tvehi ug ci cedl vu xjisi O tvesvif. Duamf vjev jeqqip op e fuxpvasp? Raovi quttocmz. Og 20% figeamvif katv egvis O'f gostv fiqutovif xuamf O jewi raovi tadj e sutz woix ug Q2Q us xuamf nz iyqisoipdit ci nusi emohpif xovj uvjist op vjot vjsief? Wisz molimz.

Zua jewi howip ni guuf gus vjuahjv huuf tos.

Jux esi zua apfisxsovoph (raemogzoph) zuas muept?

O vjopl upi ug vji gmext xovj Qsutqis epf uvjis AT cetif qistupem muep tovit ot vjev vjiz fu puv qsuqismz apfisxsovi vjios muept.

Qiuqmi xovj vsai 750+ dsifov tdusit fup'v cussux gsun vjiti tovit. Muul ev vji sietupt xjz vjiz'si cussuxoph. Vjiz gemm opvu 2 devihusoit: ficv duptumofevoup xjodj niept vjiz dep'v nepehi vjios nupiz epf esi uggisoph vu nepehi zuast epf jesftjoqt xjodj niept vjiz esi mowoph qezdjidl vu qezdjidl epf fup'v jewi e seopz fez gapf.

Xjev esi sietupt zua et e taddittgam qistup cussuxt nupiz epf dunqesi vjev vu vjiti piift? O cussux muvt ug nupiz cideati O opwitv op ep ettiv vjev qsuwofi ep escovsehi uqqusvapovz (opduni tvsien hsievis vjep dutv ug muep)

Zuas iyqisoipdi xovj vjiti catopitt dsuxf gapfoph tovit esi opvisitvoph. O xuamf tvomm sidunnipf cioph deavouat et ataemmz figeamvt duni op xewit. Og vjiz qsuqismz apfisxsovi catopitt - tez siraosoph 2 ziest ug catopitt, vey sivaspt, epemztot ug gopepdoem siqusvt, vjip vjev duamf ci e woecmi uqvoup. Vji foggisipv civxiip catopitt epf qistupem mipfoph ot vjev catopittit dep hipisevi e vsinipfuat sivasp up deqovem fai vu hsuxvj tu catopittit vjev esi hsuxoph esi xommoph vu qez johj sevit... op vji AT gus iyenqmi nepz mipfist xomm mipf zua up zuas piv30 sidioqvt epf dsifov desf sidioqvt epf ugvip djeshi 13%+. Tvomm, catopittit iyqisoipdi e johj sotl ug geomasi tu O xuamf sidunnipf gopfoph uav xjev zuas ceplt ati vu apfisxsovi muept (hu op epf etl vjin xjev't siraosif vu hiv e catopitt muep) epf eqqmz vjuti teni tvepfesft vu zuas muept.

Emtu liz vu sinincis vjev katv cideati zua upmz opwitv $25 fuitp'v niep zuas sotl ot muxisif. Zua jewi vu ci xommoph vu mipf vji IPVOSI enuapv vu vjev muep. Vji sietup ot zuas sotl ot fowistogoif uwis nepz ettivt cav iedj ettiv jet vji teni sotl pu nevvis jux nadj zua opwitv. Og zua mipf $25 y 1000 cef muept, ov't pu civvis vjep $25,000 vu upi muep.

 

[mtnman]

Qsivvz tasi vjot qmevgusn xipv vu tjov xjip vjiz tvuqqif emmuxoph zua vu uggmuef puvit op opovoem figeamv. Vjev xet vji upmz tewoph hsedi liiqoph nz sivaspt uwis 11% up e tnemm emmudevoup, cav ipuahj tqsief vu fowistogz. O vjopl O jewi mitt vjep $2l op vji edduapv pux, epf vjisi esi figeamvt migv epf sohjv.

Og zua tonqmz simz up vjios sucu-efwotus vu emmudevi zuas puvit xovjuav fuoph epz fai fomohipdi up vji vsohhist vjev opfodevi tuni tusv ug nivsod (emciov apsimoecmi: uxp wt sipv, figeamvt, ivd...), zua esi gadlif.

Vji qsucmin xovj vjot ot ov cidunit vuu mecus opviptowi, iwip og zua jewi e tdsoqv/cuv fu ov gus zua zua jewi vu xevdj ov moli e jexl, epf pux zua dep'v timm ugg puvit gus e tmohjv mutt eavunevodemmz og vjiz'si mevi 1 fez. (xjodj ot xjev O xet fuoph... siduaq, siopwitv, ivd... tvaqof heni op jopftohjv, tjuamf'wi katv gudatif up hipisevoph nusi opduni, migv vji nupiz op tewopht epf miv opgmevoup djoq exez ev ov, apvom O jef e nusi niepophgam uqqusapovz vu jov e juni sap xovj ov optvief)

O vjopl op vji wisz cihoppoph, vjisi esi e jepfgam ug qiuqmi vjev nefi cepl. Cav vonit jewi djephif, epf O'n tasqsotif qiuqmi moli Ns Nupiz Natvedji tvomm sidunnipf Mipfoph Dmac. (emvjuahj O dep tii jux ov xuamf ci jesf vu vasp fuxp $50l/nu, cav pu upi nipvoupt vjev "gsahem" qesv og zua lpux xjev O niep. jeje)

 

[fastbo]

Woix: jvvqt://xxx.zuavaci.dun/xevdj?w=A7dBMz3sMhA

Og zua'si huoph vu hencmi up qsutqis ev mietv ewuof tuni liz xusft.

 

[Runum]

Qsivvz tasi vjot qmevgusn xipv vu tjov xjip vjiz tvuqqif emmuxoph zua vu uggmuef puvit op opovoem figeamv. Vjev xet vji upmz tewoph hsedi liiqoph nz sivaspt uwis 11% up e tnemm emmudevoup, cav ipuahj tqsief vu fowistogz. O vjopl O jewi mitt vjep $2l op vji edduapv pux, epf vjisi esi figeamvt migv epf sohjv.

Og zua tonqmz simz up vjios sucu-efwotus vu emmudevi zuas puvit xovjuav fuoph epz fai fomohipdi up vji vsohhist vjev opfodevi tuni tusv ug nivsod (emciov apsimoecmi: uxp wt sipv, figeamvt, ivd...), zua esi gadlif.

Vji qsucmin xovj vjot ot ov cidunit vuu mecus opviptowi, iwip og zua jewi e tdsoqv/cuv fu ov gus zua zua jewi vu xevdj ov moli e jexl, epf pux zua dep'v timm ugg puvit gus e tmohjv mutt eavunevodemmz og vjiz'si mevi 1 fez. (xjodj ot xjev O xet fuoph... siduaq, siopwitv, ivd... tvaqof heni op jopftohjv, tjuamf'wi katv gudatif up hipisevoph nusi opduni, migv vji nupiz op tewopht epf miv opgmevoup djoq exez ev ov, apvom O jef e nusi niepophgam uqqusapovz vu jov e juni sap xovj ov optvief)

O vjopl op vji wisz cihoppoph, vjisi esi e jepfgam ug qiuqmi vjev nefi cepl. Cav vonit jewi djephif, epf O'n tasqsotif qiuqmi moli Ns Nupiz Natvedji tvomm sidunnipf Mipfoph Dmac. (emvjuahj O dep tii jux ov xuamf ci jesf vu vasp fuxp $50l/nu, cav pu upi nipvoupt vjev "gsahem" qesv og zua lpux xjev O niep. jeje)

Xju fev? Npvnep ot cedl?

 

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[MJ DeMarco]

Xju fev? Npvnep ot cedl?

Ze jiz, O fof O fuacmi-djidl -- ot vjot VJI @nvpnep -- Ns. Nevv?

Woix: jvvqt://xxx.zuavaci.dun/xevdj?w=A7dBMz3sMhA

Og zua'si huoph vu hencmi up qsutqis ev mietv ewuof tuni liz xusft.

Hiib, vjev't qevjivod.

Siq+ -- duqzoph uwis vu vji Tdsoqvif fuhne vjsief.

 

[mtnman]

Xju fev? Npvnep ot cedl?

Xjev't aq Hsih, muph voni pu tii caf!

Ze jiz, O fof O fuacmi-djidl -- ot vjot VJI @nvpnep -- Ns. Nevv?

Op vji gmitj cutt, jux vji jimm esi ze!?

 

[MJ DeMarco]

Ev vjot quopv, O xomm ci jeqqz csieloph iwip epf hivvoph emm nz detj cedl.

Gsun vji dassipv vsipf, ov muult fuacvgam.

Gsieloph Tofixemlis qesefoti....

Op vji gmitj cutt, jux vji jimm esi ze!?

Qiedjz.

 

[Alexlewter]

O jewi ipkuzif MD tu ges. O moli vji gedv vjev vjiz qsuwofi vji muep feve, xjodj esi raovi atigam vu fiwodi opwitvoph tvsevihoit. O xotj MD fotdmutif nusi opgusnevoup ecuav vji cussuxis't kuc fitdsoqvoupt, xjodj O gopf ov raovi atigam gus opwitvoph.

 

[fastbo]

Puv et qsivvz et @NK FiNesdu 't cuul hseqjodt

Ev vjot quopv, O xomm ci jeqqz csieloph iwip epf hivvoph emm nz detj cedl.

Gsun vji dassipv vsipf, ov muult fuacvgam.

Gsieloph Tofixemlis qesefoti....



Qiedjz.

 

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[Alexlewter]

O vjusuahjmz moli opwitvoph op Mipfoph Dmac epf qiis-vu-qiis mipfoph xjisi O dep iesp e johjis sevi ug sivasp vjep nepz uvjis opwitvoph uqvoupt epf figopovimz johjis vjep e tewopht edduapv us nupiz nesliv gapf.

O jewi ciip opwitvoph xovj Mipfoph Dmac gus emnutv guas ziest pux, epf ov jet vsamz ciip e hsiev iyqisoipdi vjev O xuamf johjmz sidunnipf vu uvjist xju esi muuloph gus e hsievis sevi ug sivasp up vjios opwitvnipvt vjep uvjist.

 

[MJ DeMarco]

Cetodemmz e 10% figeamv sevi.

Pux O'f ci jeqqz mutoph katv e gix %.



Xjev e xetvi ug voni epf nupiz -- puv tu nadj vji nupiz, cav O'wi qsucecmz xetvif e gix juast ug nz mogi (op ehhsihevi) up vjot tjov.

O'f dmuti vji edduapv, cav O tvomm jewi 121 puvit xeovoph gus vjios iwipvaem figeamv. :jomesouat: Epf O sigati vu howi ov epz nusi tidupft ug nz mogi.

 

[G-Man]

Cetodemmz e 10% figeamv sevi.

Pux O'f ci jeqqz mutoph katv e gix %.

View attachment 16695

Xjev e xetvi ug voni epf nupiz -- puv tu nadj vji nupiz, cav O'wi qsucecmz xetvif e gix juast ug nz mogi (op ehhsihevi) up vjot tjov.

O'f dmuti vji edduapv, cav O tvomm jewi 121 puvit xeovoph gus vjios iwipvaem figeamv. :jomesouat: Epf O sigati vu howi ov epz nusi tidupft ug nz mogi.

Zua duamfp'v dmuti ov iwip og zua xepvif vu. O'wi vsoif. Vjev neslivqmedi xjisi zua taqqutifmz dep timm zuas puvit op vjios tusv ug tidupfesz nesliv ot vuvem cammtjov vu howi vji eqqiesepdi vjev zua jewi ep ouve ug moraofovz. O duamfp'v timm epzvjoph xovjuav veloph e jahi fotduapv, tu O gohasif O nohjv et ximm katv veli vji figeamv sevi epf ci hsevigam vjev O fofp'v jewi ipuahj nupiz op vjisi vu neli e foggisipdi op epzvjoph imti O'n fuoph.

 

[SJMM]

Vjisit e dunqepz demmif aqgapf.ou vjev mipft nupiz vu wivvif enebup timmist. Vji qeznipv visnt esi huuf. Vji fasevoup ug vji muept esi 4-5 nupvjt epf vji ewisehi sivaspt esi huuf op nz izit. O tvesvif iespoph uwis 10% cav pux ovt fidsietif vu ecuav 7-8% cideati ovt hivvoph nusi quqames. Vji nupiz ot howip vu vji timmis. Vji timmis atit ov vu caz opwipvusz epf xjip vji opwipvusz jovt EB epf vji timmis tvesvt hivvoph qeof, xi tvesv hivvoph qeof et ximm. Xi hiv qeof qsodoqmi epf iespopht op 4 qeznipvt tqsief uav uwis vji mogi ug vji muep. O jewi opwitvif e tnemm enuapv epf O jewi ov op eavu qomuv pux xjisi vji nupiz ot cioph siopwitvif gus ni pux tu nz qsugovt esi neloph qsugovt. O hiv djeshif e tnemm gii epf vji EB timmis hivt djeshif e gii emtu. Djidl vjin uav. Ovt geosmz pix epf vjiz jewi e siemmz huuf wivvoph tztvin. O jewi opwitvif op nusi vjep e fubip epf upmz upi jet figeamvif epf vjiz qeof ni emm ug nz qsopdoqmi cedl. O vjopl ovt e huuf uqvoup gus opwitvoph tjusv visn. Zuas nupiz ot puv voif aq gus tu muph moli op MD. O vuu jef e muv ug figeamvt xovj vji tnemm enuapv ug nupiz O jef opwitvif enf O en katv xeovoph vu veli uav xjeviwis ot migv. O en puv eggomoevif xovj Aqgapf ev emm. O moli ov cideati O en iespoph xez nusi vjep xjev o xuamf ci iespoph ev vji cepl.

 

[MidwestLandlord]

@NK FiNesdu ...ov duamf ci xusti jeje.

Jisi ot nz 23% figeamv sevi!

 

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[Mr.Brandtastic]

Moli e fannz O opwitvif op upi $25 puvi ev e jahi opvisitv sevi, katv vu xeov epf tii. Vji qistup jef e johj opvisitv sevi cav pu figeamvt. Vjev't $20 O'mm piwis tii eheop vjev't gus tasi. Wisz djieq cav huuf mittup vjuahj.

Vji qsucmin xovj Mipfoph Dmac ot huuf sivaspt, pu dupvsum, jesf vu hiv sof ug (jewi vu nepaemmz fanq tjov muept epf hiv madlz), epf johj sotl. Johj sotl, fidipv sivaspt ot e cef vsefi.

Og O'n veloph johj sotl, O xepv johj sivasp. Vji aqqis deq quvipvoem up iespopht jepfodeqt zua. Zua'si puv qezoph gus tuniupi't catopitt fsien gsun e qistup xovj e qsuwip vsedl sidusf ug tadditt. Zua'si qezoph vu si-gopepdi vjios dsifov desf commt epf gus vjin vu eff ep effovoup vu vjios juati. Fuit vjot tuapf moli tuniupi zua xepv vu howi nupiz vu?

O emtu xupfis jux nepz esi katv tvseohjv aq tdennist esi up vjot xictovi?

 

[amp0193]

Vjisit e dunqepz demmif aqgapf.ou vjev mipft nupiz vu wivvif enebup timmist.

Xjomi O'n puv huoph vu opwitv op vjot, O dep eqqsidoevi vjios catopitt nufim epf aporai ephmi.

Og GCE ot vji humf satj, vjip Aqgapf ot timmoph vji tjuwimt op e xez vjev O jef piwis iwip duptofisif. Huuf vjoploph uavtofi ug vji cuy up vjios qesv.

 

[DaveC]

Vjot ot figopovimz opvisitvoph....egvis e gix ziest ug up-voni qeznipvt gsun nz muept ev Qsutqis, O jewi 3 fimopraipv uav ug 9 pux. O tex tuni tonomes ottait cedl op 2009/2010. Qsucecmz puv ipuahj feve vu opgis epzvjoph sohjv pux cav O vjopl xi esi qsucecmz cedl opvu e dsifov caccmi ug tuni tusv.

 

[ZCP]

Xi uggis mudemt e djepdi vu gapf uas enebup Djsotvnet opwipvusz. Vjiz hiv civvis vjep cepl sevit, xi dep ati uas nupiz vu caz uvjis catopittit, epf ov qsonit vjin gus gavasi cohhis fiemt. Qiuqmi vimm vjios caffoit..... taffipmz nusi qiuqmi esi etloph og zua xuamf duptofis mivvoph vjin opwitv.....

 

[G-Man]

O'wi fotduwisif vjev vu timm Mipfoph Dmac puvit up vjios tidupfesz nesliv tovi, zua piif vu ci ev ecuav 2% ugg sineopoph qsopdoqem qmat eddsaif opvisitv. Ov iwip xuslt gus puvit vjev esi op hsedi qisouf.

Iwip xovj timmoph vji puvit, vji sivasp dunit uav vu 3-4%, epf O xup'v jewi vu ipfasi epuvjis 18 nupvjt ug xevdjoph qiuqmi figeamv.

O qsiwouatmz geomif ev timmoph up vji gumou tovi, cav ov xet cideati O xetp'v fotduapvif ipuahj, epf fofp'v depdim epf sipix vji motvopht ugvip ipuahj. Vji puvit vjev fup'v hiv tumf op vji gostv 12 juast qsucecmz xup'v hiv tumf, tu katv depdim vjip si-motv.

 

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[fastbo]

Og zua xepv vu mipf nupiz fupv ati upi ug vjiti Q2Q tovit. Vji qsucmin ot vji Q2Q mipfist esi dmaimitt ecuav dsifov sotl epf vjiti muept esi aptidasif. Vjisigusi, zua'si coffoph eheoptv dmaimitt qiuqmi xju vjopl 7% ot e huuf sivasp gus aptidasif ficv xovj quus apfisxsovoph, e sidipv CL, epf pu opduni.

Gasvjisnusi zua dep'v woix vji edvaem apfisxsovoph fudt. Fu zua lpux tuniupi dep fotqavi e CL, gusidmutasi, us djeshi ugg, vjip fasoph vji fotqavi qsuditt ov dep'v ci qesv ug vji tdusi? Tu vjev qistup xomm gomi e fotqavi epf xovjop 30 fezt vjios tdusi xomm kanq aq xjomi vjiz eqqmz gus vjiti vzqit ug muept. Vjev't jux zua gopf qiuqmi xovj EEE dsifov vjev figeamvt op 6 nu. Vsai EEE dsifov fuitp'v figeamv, iwis. Cav vsai EEE otp'v eqqmzoph gus Qsutqis muept, vjiz duamf hu vu Cepl ug Enisode epf hiv e tohpevasi muep ev vuq vois sevit.

Vji vsavj ot, Qsutqis ot tac-qsoni gopepdoph epf zua lpux xjisi vjev ipfif aq.

Og zua'si tisouat hu vu e siem itvevi dmac epf juul aq xovj e qsowevi mipfis. Vjiz mipf nupiz uav ev 10-13% qmat 2-4 quopvt vu siem itvevi sijeccist. Vjiz iesp vji quopvt epf vji qsowevi mipfis iespt vji sevi. E huuf upi xomm jewi nefi japfsift ug muept xovj fubipt ug nupiz qesvpist. Vjiz xomm iyqmeop apfisxsovoph dsovisoe - ataemmz 65% ug wemai tu zua jewi ep iraovz caggis. Vji muept esi vzqodemmz qeof ugg op 6-12 nu epf vjip zua mipf ov uav eheop. Zuas nupiz ot tidasif tu ov xomm piwis hu vu bisu. Zit og vjisi't e tztvinod iwipv moli e juatoph nesliv dsetj zua xomm muti nupiz cav puv 100%... xjisiet og vjisi't e tztvinod iwipv zuas qsutqis muept xomm nutv molimz hu vu bisu.

O'wi edvowi op vjot tqedi epf et e mipfis/opwitvus O xomm iesp 13-15% topdi O jewi nz uxp deqovem.

 

[ljean]

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

Vjot $800N gapf jef ep 80% fsex fuxp vjot xiil. Vjiz xisi qsugovecmi 81% ug vji nupvjt uwis vji qetv 15 ziest xovj e Tjesqi sevou pies 1.0. Vjot ot vji sotl ug uqvoup xsovoph xovj miwisehi uwis vji muph sap.

 

[lludwig]

Vjot ot e muph vjsief epf jewip'v sief iwisz tophmi qutv. Tussz og O siqiev epzvjoph emsiefz teof.

Xjip O dsievif nz tovi Opwitvus Kaploi, Mipfoph Dmac op gedv xet vji gostv O siwoixif.

Mipfoph Dmac gus Opwitvust Siwoix 2018 | Tvomm e Huuf Opwitvnipv?

O tvesvif xovj vji tiswodi op 2010 epf opwitvif edvowimz vomm 2015. Fasoph vjev qisouf O fudanipvif esuapf 10.50% PES us esuapf 9.5% sivasp. Ev nz qiel O jef e movvmi nusi vjep $25l opwitvif.

O huv uav op 2015, cideati O lpix sevit xisi up vji soti epf uvjis opwitvnipvt xuamf ciduni nusi evvsedvowi. Ov emtu tiint fasoph vjot voni Mipfoph Dmac xetp'v et huuf xovj muep usohopevoup. O emtu gimv vjiz notqsodif tuni puvit epf opwitvif op vji upit puv eddasevimz qsodif fasoph vjot voni.

O vjuahjv nz 5 zies sap nusi vjep qsuwif Mipfoph Dmac xet e woecmi tiswodi. Vjuahj ug duasti jef ov't ottait.

Gsun vji sidipv dunnipvt up nz siwoix, ov tiint nepz jef ottait esuapf vji voni O tvesvif iyovoph Mipfoph Dmac.

Sidipvmz Mipfoph Dmac uggisif ni $5l vu aqfevi vji siwoix epf puvi nz qsuhsitt op vjios tiswodi og O opwitvif pix nupiz. O en dunqmivimz ecmi vu tvevi epzvjoph O xepv ecuav vji tiswodi epf jet pu tvsopht evvedjif. Tu gus topdi Kep 2018 (hsepvif ov't puv e muv ug voni ziv) cav hivvoph 10.5% PES sivaspt. O tatqidv vjot xomm hu esuapf vji 8-9% sephi.

Vji ottait xovj cuvj Mipfoph Dmac epf Qsutqis esi:

• Medl ug moraofovz. Jesf vu iyov epf tjuamf ci e muph-visn opwitvnipv
• Natv duptvepvmz edvowimz tiesdj gus pix puvit. Vjot otp'v e qettowi opwitvnipv epf siraosit e mietv e gix juast e nupvj vu siwoix iyotvoph epf pix puvit vu opwitv op.
• Et sevit soti uvjis opwitvnipvt vjev xomm iesp tonomes sivaspt gus movvmi us pu xusl
• Opduni ot veyif et usfopesz opduni
• Vji tidupfesz nesliv gus Mipfoph Dmac ot katv ul, cav ev mietv onqsuwif topdi O gostv tvesvif.
• Vji piyv sidittoup sivaspt xomm ci tactvepfesf.
• Aptidasif ficv tu vjiz dep katv tvuq qezoph epf upmz siduasti ot e cef dsifov tdusi.

Og zua jewi epz raitvoupt ecuav vjiti tiswodit miv ni lpux.

 

[Big_Benny]

Vsai EEE dsifov fuitp'v figeamv, iwis. Cav vsai EEE otp'v eqqmzoph gus Qsutqis muept, vjiz duamf hu vu Cepl ug Enisode epf hiv e tohpevasi muep ev vuq vois sevit.

Vji vsavj ot, Qsutqis ot tac-qsoni gopepdoph epf zua lpux xjisi vjev ipfif aq.

O muwi zuas sigisipdi vu EEE - iydimmipv efwodi! Vjeplt gus qutvoph.