tag:blogger.com,1999:blog-32356923.post115767749825779705..comments2024-03-18T12:35:31.958-07:00Comments on PFStock: Personal Finance and Stock Investing: Prosper.com?pfstockhttp://www.blogger.com/profile/16235204038486228085noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-32356923.post-1173357078687769212007-03-08T04:31:00.000-08:002007-03-08T04:31:00.000-08:00This comment has been removed by a blog administrator.FirstChoiceGLhttps://www.blogger.com/profile/09485152963074884032noreply@blogger.comtag:blogger.com,1999:blog-32356923.post-1170428283935132552007-02-02T06:58:00.000-08:002007-02-02T06:58:00.000-08:00I wonder if anybody has calculated the rate of ret...I wonder if anybody has calculated the rate of return they are <I>really</I> earning from Prosper. In order to lend money, you need to have funds on deposit beforehand. Funds that aren't loaned out don't earn interest in that interim period. Besides default risk, there is another risk that most lenders probably haven't considered: prepayment risk. When a borrower pays a loan, the proceeds go back to that 0% interest rate until new borrowers can be found.pfstockhttps://www.blogger.com/profile/16235204038486228085noreply@blogger.comtag:blogger.com,1999:blog-32356923.post-1170127279314637472007-01-29T19:21:00.000-08:002007-01-29T19:21:00.000-08:00I'm a little skeptical about long term investing i...I'm a little skeptical about long term investing in Prosper. One bad apple can ruin the whole investment. Of course, that's just me.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-32356923.post-1170014149940986662007-01-28T11:55:00.000-08:002007-01-28T11:55:00.000-08:00Prosper -- I've written a bunch on it so far. I ha...Prosper -- I've written a bunch on it so far. I have about $3k invested with an average interest rate of about 16%. Not bad. For me, it's still an experiment, however. I'm not sure how viable it is as a long term investment or what the real risk profile is yet. Time will tell.fin_indiehttps://www.blogger.com/profile/16850607432747269260noreply@blogger.com