Interesting ideas interspersed with nonsense - RSS - by nikhil bhatla, -

Category: Investing

The End of LendingClub?
Jul 14, 2016, 12:05p - Investing
There are 2 parts to this story. The first is about LendingClub's (LC's) actions as a company, and the second is about my returns on the site.

Early on in LC's history (2007-2009), they advertised a 9% return for investors, right on the front page of their website. I was always skeptical of this from the beginning, because I didn't ... more »

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What the LendingClub IPO reveals about its business
Dec 4, 2014, 3:01p - Investing
LendingClub is planning an IPO soon, probably on or after December 10, 2014. In this post, I will discuss why I think the standard view of LendingClub as a peer-to-peer (P2P) finance service will become outdated. Specifically, I will show that a larger portion of LendingClub's loans are being funded not by other individuals but by institutional investors, such as ... more »

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Estimating Lending Club's ROI (a survival food interlude)
Aug 11, 2010, 11:56p - Investing
Some of you may be surprised that my mind is working at all given my limited diet. Since so few have actually undertaken my survival food experiment, I think expecting your mind to give way may be an unrealistic expectation. I believe that most people would recover to some decent level of performance even though they'd only be eating ~1500 ... more »

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P2P Lending + SVM = $$$?
Jul 7, 2010, 1:20p - Investing
Since 2004, I've been intrigued by microfinance. It all started when I read Mohammed Yunus' book "Banker for the Poor". In it, Yunus describes how he was able to improve the lives of poor women in Bangladesh by providing them with small loans (as little as $50 or less). Not only did the lenders get a reliable return, the borrowers ... more »

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