Monday, May 4, 2009

This Week in Prosper.com Photos

Finally, Prosper.com is back. I really needed to get my Prosper photo fix. The pickins are a little slim, but they didn't let me down.






“Dental work for my husband”

















“I really am in need”












“It's a booming real estate market in Florida now.”















“I don't want to go into debt so that's why I need the loan. “













“This loan will be used to start a fitwear clothing line with matching accessories and add additional sports products such as supplements.”









“My net worth is over a million.”

Tuesday, September 23, 2008

This Week In Prosper.com Photos








This pianist looks like treble...











"I am a good candidate for this loan because I just need a lilttle of extra money to make ends meet."














“I am caught in a trap”














“we a sweltering.”













"I can show you proof of anything you'd like to see. "













"If these loan don't get funded i will have no choice but to turn to bank loan sharks! So please help! I'd rather give you the money:)!














It also appears Sarah Palin has become an inspiring figure for Prosper borrowers...













Look-alikes are even sprouting up. Maybe it's just the glasses...





















































And I close with a picture of the tallest building in Canada...

Wednesday, September 17, 2008

Fun With Prosper's Screen Name Generator

I just found out today that Prosper had a Screen Name Generator * (after seeing some rather strange borrower screen names on listings, such as "value-demon"). I have no idea how long this thing has been around, but it sure makes some interesting names.
*-must be logged out to see

So, lets have some fun!

Here are some good ones we've seen so far:

debtasaurus-rex
the-loot-emperor
the-bazaar-ninja
platinum-thunder
power-ringleader
the-greenback-amigo
money-palace
credit-fluffy-bunny304
money-enforcer
generosity-bunny
loot-officer
the bill-farm
debt-stockpiler
funds-bandit
debt-jet


Give it a try and show us your best in the comments!

Monday, September 15, 2008

This Week in Prosper.com Photos






“I am a server at red robin making $80-$140 night and I would like so dearly to make this web company become my future career.”









“Do you want to make money?” No, I want you to put some clothes on…











I didn’t realize it was possible to play twister without the mat…











“My Credit score is 660 as of last month before My identity was stolen.”











"I could ask my parents for money and they would give it to me but they have already helped me out enough with college expenses and I hate to ask for more unless I absolutely needed. So don’t worry lenders worse case scenario you’re funded from the parent’s pockets. "













"Refer to credit report- always on time."














prtygirl412 also appears to be an Aquarius who enjoys Miller Lite...















"Excited to put down payment on business!!!"









"To clear the debt I have with my credit card. My car insurance company sort of conned me into gettin one "












"I have no derogatory credit. My last derogatory was a bankruptcy discharged in 2004"












"This loan will be used for DMV fees/Maintenance a used car I recently got, and to most likely pay off a few other bills as well. By doing this, I can sell the car that I still owe on while it is still in good condition, and therefore not have to have any more monthly paymments."









Hmmm, she looks familiar… (link)

Monday, September 8, 2008

This Week in Prosper.com Photos




“This past year I hit rock-bottom. “











“A major crash is inevitable and drawing near.”

















“I was in a bad relationship with my 20 month olds father and he burned all of my belongings a little over a year ago while I was at work.” Except the bath tub and a little soap...









A nice group of attractive friends. What a wonderful memory this picture must bring. Except that girl in the background had to go and ruin an otherwise perfect moment…












"i just want to get the screen printing equiment i need now versus saving up and waiting to buy it"















"I know I have bad credit, it was great until I divorced my high school sweet heart. "























Unfortunately I can't think of anything witty to say...














“Sorry for the picture just trying to grab your attention :)”

Woah, cool! You got my attention…

Friday, September 5, 2008

August 08 Warm n Fuzzy Index

August 08 Warm n Fuzzy Index:
53%
- 37/70
(Last month's reading: 53%)


8/10 - Personal Performance: +1 from previous month. My ROI broke above 8% again (just barely)

6/10 - Peer Performance: No Change.

7/10 - Prosper Management: No Change. John Witchel, co-founder of Prosper left. I’m not sure if this is a big deal or not.

8/10 - Platform Improvement: +1 from previous month. (click here to see site changes)

Charged-off Category on Performance Page – good.

Faster Listings for Qualified Borrowers – not so good.

1/10 - Listing Selection/Volume: -1 from previous month. Listing count was under 2000 when I checked. Where are all the borrowers?

2/10 - External Influences: No Change. Yep, still bad…

5/10 - Viability Forecast: -1 from previous month. August originations were down.


Summary: The index continues sloping down from its high in April. The main culprits are the bad economy in general and the low volume on Prosper.

And if you still happen to be reading this, then you may have noticed that I skipped the Index update for June and July. I recorded the numbers but did not post. Yeah, I’m a bad blogger. You get what you pay for here at the Warm n Fuzzy Prosper Blog…

See you next month! (maybe)


Past Index Readings:
53% - July 2008
56% - June 2008
57% - May 2008
61% - April 2008
54% - March 2008
54% - February 2008
46% - January 2008
43% - December 2007
50% - November 2007
57% - October 2007
54% - September 2007

What is the Warm n Fuzzy Index?

Wednesday, September 3, 2008

Sept. Performance Update – LC’s Prosper ROI


It’s been a while since I went through the trouble to see how my Prosper portfolio is doing, so here it is.

I use Excel’s XIRR function and count all loans 1 month late or more as having $0 loan value, 17 loans.


XIRR (ROI) = 8.06%

Average Loan Age = 511 days


I was a little surprised that the ROI went up since the last time I calculated it. I’ve had a bunch of loans slip into the death zone since then, but fortunately for me I think it’s because these are older loans for the most part and don’t impact the result as much. I double checked everything too to make sure. No mistakes. Cool.

For reference, here is my historical performance for the past year:

8.06% Sep. 02, 2008
7.88% Jun. 18, 2008
7.90% Apr. 24, 2008
7.76% Feb. 04, 2008
8.42% Dec. 11, 2007
8.18% Nov. 16, 2007
7.80% Oct. 09, 2007

Pretty stable. Cool…


And for my next trick, I will attempt to pull a rabbit out of my magic hat…

Tuesday, September 2, 2008

This Week in Prosper Photos







A crapper with cup holders? Now we’re talkin’! But it’s still missing a magazine rack, foot-rest, and pillow…
















"My financial situation:is very stable I am a Poker dealer . I've been one for three years going on four. It's a very lucrative business I been in the field since I graduated High School first starting out as a hostess. During my tenure I met a host of prominent people who are establish Business men and women along the way."










"p.s. The photo is of my wife. "














100% HR
















It's been a while since I've seen the monkey dance performed...










Is that a keg on the floor behind them?









“Paying for and bringing bills currents and for school.”













Reminds me of a girl I once dated…

Tuesday, August 19, 2008

"Genius" Chimp Outsmarts Tube



Chimps 1
Humans 0

:)

Monday, August 18, 2008

In Their Own Words III

"I may have had no reponse from prosper in the past but I do believe in their television ads. I know that I beleive in this and that there is someone that will believe in me and give me a chance. "


"Although I am technically un-employed (layed off in January), I do have unemployment money coming in to help me financially while I try to strat up this business. "


"I do not have outstanding bills. I own two credit cards with very low payments. "


"I need to make more money to fix my debt to income ratio and start saving.. "


"I married a drug addict/alcoholic (unknown to me at first). "


"This loan will be used to pay off some delinquent accounts that I was unable to pay while my husband was out of work. "


"I am in need of money to sustain my lifestyle, which is not extravagant. "


"I bought my home is 2007 and have made all my payments on time even though I have a ridiculous interest rate...over 12%, but i have my home. "


"Although my credit report is showing a bankruptcy in Feb. 2002 (at the same time I was getting divorced), it has since been discharged (May 2002) and I have been able to finance 2 vehicles, several personal loans and several credit cards on my own with no help from anyone. I have not defaulted on any of the personal loans. "


"I am a good candidate for this loan because.. i am on time for all my bill i might forget but i am very good about trying to pay my billies on time."


"I have been paying over $1200 a month just in interest. "


"As stated before I consistently pay my debts, no matter how much I may have to struggle to do so. "


"I just need for some willing individual to take a chance on me and give me the opportunity to prove myself as a worthy borrower. "


"Therefore, after being laid off I decided to go for my dream of being an entrepreneur. "


"I am a good candidate for this loan because I have been succesfully been paying my bills on time for the last two years. "


"I am not going to pretend or paint a pretty picture. I need your help."


"In working at this full time for the past 1.5 months, with my husband’s help & support, we have gotten behind on bills. "


"I am a good candidate for this loan becauseI try to pay my bills and stay on top of things but sometimes a dental or doctor bill throws things into a tailspin. "


"This loan will be used to… REBUILD MY CREDIT AFTER CHAPTER 7 DISCHARGE DUE TO DIVORCE. "


"I am a good candidate for this loan because… steady worker with independent concrete pipe."


"I am a good candidate for this loan because I have always had great credit, but after a divoice my X ruined my credit. "


"This loan will be used to… buy new furnicher for 1st apartment "


"I have also hurt my credit by having to many inquiries in the past as I was trying to get a debt consolidation loan from a few banks and was denied for each one. "


"I like the discipline this prosper loan offers versus a credit card as I will be obligated to pay the debt in three years. "


"This loan will be used to pay off all debt so I can go to school without having to worry about money"


"Also as an ending note i just found out i am going to be a dad."


"But trying to get someone to give me a chance is hard to find. "


"I am hoping that someone out there will help me. I believe in Karma, and will do my part, and become a lendee once, my surgery is done. "


"I try to pay all bills on time and believe myself to be trustworthy and reliable. "


"After have numurous Knee and ankles surgeys my bills have pile up. I have been able to pay off some of my past credit issue. By getting this loans it would help me pay off the rest of past credit problem but also help my credit. "


"The San Diego County assessors have informed me that if my property taxes were not paid that they would place my home up for auction for what the cost of my property taxes ($5000.00). "


"Purpose of loan: This loan will be used to… I AM COMING BACK FROM SOOM CRAZY YEARS.i WAS IN THE AUTOMOBILE BUSINESS FOR NINE YEARS AND MADE 6 FIGURES FOR MOST OF THEM. bUT FROM NOT HAVE ANY GUIDANCE IN MY LIFE I CHOOSE TO LIVE A FAST LIFE. tHAT WAS WHEN I HAD MY BK,BECAUSE OF REHAB. I'VE BEEN SOBER EVER SINCE. mE AND MY NOW EX-WIFE BOUGHT A $325,000 HOME ON THE LEVY OF NEW ORLEANS THE FRIDAY BEFORE THE HURRICAN. AS YOU CAN TELL SHE LEFT AND I HAD TO PUT THE HOUSE TOGETHER. WELL WHEN I COULDNT SELL IT FOR WHAT I HAD IN IT( BEING ON A ARM) I SOLD IT AND LOST $54,000. ALL MY SAVINGS. tHAN CAME THE CRASH OF THE SUBPRIME. I COULDN'T CATCH A BREAK IN LIFE. NOW FHA IS HELPING OUT ALOT AND THE MONEY COMING IN BUT I'M TO BUILD CREDIT AND THIS IS A WAY TO DO IT. WITH A CREDIT UNION. I LOOK BAD ON PAPER BUT IF YOU NOTICE IVE NEVER BEEN LATE ON A AUTO OR MORTAGE IN MY LIFE i JUST NEED A BREAK .GOD BLESS "


"I am still in the process of cleaning up some negatives on my credit report that should have been paid through the bankruptcy. "


"I AM A SINGLE HARD WORKING MOTHER OF A 16 YEARS OLD SON, WHO FELL INTO SOME HARD TIMES, BUT I'M ASKING ANYONE WHO MAY HAVE A KIND HEART AND A LITTLE BIT OF FAITH TO HELP MY WITH MY HARDSHIP RIGHT NOW. "


"Paying all bills on time and eliminating many additional expenses. One of the major ones was that wife I had. Let just say I Am now in the position to finally succeed. "


"I WOULD BE FOREVER GREATFULL TO WHOM EVER GIVES ME A CHANCE. "


"This loan will be used to… To pay some bills that fell behind” … “I have been current on all bills and have not defaulted. I need this loan to keep my family from falling behind. I am very responsible and able to make monthly payments, but just couldn't handle a large lump sum that is being requested. "


"For the most part do pay all my bills on time, and do not live beyond my means. "


"I am a good candidate for this loan because I have been paying my bills on time for about a year now. "


"For cash giving "


"I am determined to bring our income and payment balance into reality. "


"I make over 100 K a year and just need to consolidate my credit cards. "


"Naturally, I fell behind in my debts and accumulated some medical expenses and now am fighting the threatening phone calls and collection letters. I do not want these people to start contacting my new employer--I begin my new teaching position on Aug. 18 with my first check on Sept. 5--as this would have a negative effect on my employment position. "


"I am a good candidate for this loan because between my wife and I we make good money but just can't seem to get ahead. "


"Prosper says that I have 31 DQ’s and I know that is not correct. I have been working hard to pay off all of my DQ's. I now have only 11 on my credit reports and I had checked that today. "


"I live alone and know the value of each dollar since i pay all my own bills....if things fall behind im not afraid to ask for help to try to keep my debtors happy "


"we desprately need this money to pay off our credit cards. "


"I failed one class and lost my financial aid temporarily, which is why I am left with this loan I am requesting "


"I have very few bills to pay and can afford a loan - but although I have paid off near everthing on my credit report - my score won't go up for a little while - therefore traditional means of obtaining a loan are difficult. "


"I am a good candidate for this loan because I had pay off other type of loans in the past. I just need to consolidation them because I had got over my head. "


"Purpose of loan: i need go for honey moon and i don't have money "


"Purpose of loan: consolidate small card balances not covered by debt consolidation company "


"I am a good candidate for this loan because in recent years I have paid all my bills on time.… "


"Banks will not give us a personal loan because of a prior bankruptcy and we do not qualify for financial aide. "


"I just need a helping hand. I have no family who can help, so this is it. "


"Purpose of loan: This loan will be used to go on vacation. My financial situation: I am a good candidate for this loan because… I have a good job and I am responsible. I had trouble in the past when I was married the first time. "


"I have a solid record of paying more than the minimum payments on all accounts (10) for over one year "


"I do have a collection account from an apartment complex where I was on a month to month lease and we moved because a man was stabbed outside our kitchen window, "


"if you can help me i thank you very much, and i pray that help will come my way. "


"I hope that there is someone out there with a willing heart who can grant us the $25000.00 loan we need to get ahead. "


"I am a good candidate for this loan because although I have a lot of bills, I seem to be able to keep them paid. "


"also te loan will helped pay off credits cards which i was tricked or for a proper word lured into getting. "


"This loan will be used to consolidate $10k worth of loans. The other $10k will be put away in our savings account for a rainy day. "


"I will not give up, and I will keep going until after I'm making thousands weekly and all my debts are paid back including this loan. "


"Pay off bills I have gotten behind on because of rising gas.energy, food prices "


"Due to my credit i am unable to secure a loan through the banks. "

Thursday, August 7, 2008

Photo 8 - Biker Babe


Description from Listing:

"Purpose of loan
Cash Flow- We need to increase our inventory for the winter season.

My financial situation:
I am a good candidate for this loan because… I have never defaulted or been late for a loan. The business is already making money after only being open 7 months.

Monthly net income: $ 11,700.00"

Pretty girls help sell motorcycles. Will they help sell this listing?

Friday, July 25, 2008

Photo 7 - Upping the Ante


Out comes the obligatory bikini pic after the first listing didn't fund.



Also in the second listing, this borrower is no longer looking for a $25,000 loan...