One of the best ways to accomplish something is to break it down into small, manageable parts. Complete these small parts and soon you’ll have your goal accomplished. For 2008, I thought I’d back on what my goals were and how I’ve done at accomplishing them. Please put on your seat belt, this could get ugly.
At the beginning of the year, I actually set 2 sets of goals, one if I worked full-time and one if I focused on blogging and other online businesses. Since I’ve been focusing on the other online businesses, I’ll ignore the [...]
goals
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A Look at 2008 Goal Progress
July 25th, 2008 — , Blogging, business skills, goals, software development skills from Lazy Man @ Lazy Man and Money
RateLadder IRR/ROI 5/08 Update — (1.35%) to 15.3%
May 1st, 2008 — , Prosper.com, Statistics, Strategy, Tools, goals from RateLadder @ Rate Ladder
Well another month down… Nothing major happened that would effect my IRR/ROI (like a debt sale.) It was a fairly uneventful month for my Prosper p2p lending account, but it was a good month… My ROI/IRR is higher on 4/5 of my tracking indices (it will be 5/6 when the statements are available and I [...]SHARETHIS.addEntry({ title: “RateLadder IRR/ROI 5/08 Update — (1.35%) to 15.3%”, url: “http://www.rateladder.com/2008/05/01/rateladder-irrroi-508-update-135-to-153/” });
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Continue reading → RateLadder IRR/ROI 5/08 Update — (1.35%) to 15.3%
RateLadder IRR/ROI 3/08 Update — (2.11%) to 13.06%
March 3rd, 2008 — , Prosper Lender IRR "Game", Prosper.com, Statistics, Tools, goals from RateLadder @ Rate Ladder
This month had a major event that I think will make it hard for the various ROI sites to even track accruately anymore… The “New Agency Test” aka Prosper is suing borrowers.
For me (I opted into the pool) I had my 6 loans immidiately defaulted at $0 value. Over time as the loan pool progresses [...]
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Continue reading → RateLadder IRR/ROI 3/08 Update — (2.11%) to 13.06%
RateLadder IRR/ROI Update Feb 1 2008 — (1.27%) to 15.52%
February 1st, 2008 — , Prosper.com, Statistics, Strategy, Tools, goals from RateLadder @ Rate Ladder
I am continuing tracking all of my IRR and ROI calculations in one place.
My Prosper current account value is $11,765.47 across 196 active loans.
I am tracking annualized IRR for model, average and default (permanent tracking page), quicken ROI, Eric’s CC ROI, and Lending Stats ROI.
Each of these tools uses a different calculation and therefore each [...]
Continue reading → RateLadder IRR/ROI Update Feb 1 2008 — (1.27%) to 15.52%
Lending Club Update #3
January 31st, 2008 — Lending Club, Update, goals from Jeff & Heather @ My Microfinance
LendingClub.com? No controversy or complaints here… That is why I love LendingClub.com! I have been with the ‘club’ for nearly three months and have grown the account to $2,415.11 and have 98 loans under our belt. What really impresses me with LendingClub.com is the communication! Their blog is truly world-class as it isn’t just about [...]
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January 8th, 2008 — Financial Education, Lending Club, achieving, actionable, backslide, failures, falling, goals, steps, unhealthy from Maneesh Sethi @ Better Rates. Together.
Have you ever been deep in debt? Debt can be taxing and unhealthy, but for many Americans it is a way of life. If you’re at this site, you probably are interested in making sure that you don’t have any bad debt.
Getting out of debt is difficult. Still, even once you are out of [...]
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Continue reading → Finally out of debt? Follow these steps to stay there.
One to rule them all!
January 4th, 2008 — Editorial, Kiva, Lending Club, Microplace, Prosper, Zopa, goals from Jeff & Heather @ My Microfinance
We made a major decision yesterday as to what we are going to do on the P2P side this year. We have decided to go with only ONE P2P option in 2008, which will be Lending Club. We looked at the numbers and came to the conclusion that our investment dollars will get the most [...]
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January 3rd, 2008 — goals from Lazy Man @ Lazy Man and Money
In case you missed it, I wrote about my 2007 goals and how I did tackling them.
Without a job that pays me an hourly wage my goals for 2008 are quite complex. It would be unfair of me to set net worth goals as if I were still making a 6 figure salary. [...]
J.D. got out of debt – So can you!
January 2nd, 2008 — Financial Education, Lending Club, disappear, discouraged, excellent, feat, getrichslowly, goals, ratcheted, story from Maneesh Sethi @ Better Rates. Together.
Congratulations to J.D. over at GetRichSlowly. GetRichSlowly is one of the personal finance blogs I read daily, and it is definitely one of my 3 favorite blogs. J.D. just got himself out of debt after 20 years. That’s an amazing feat – getting out of debt is certainly a life-changing experience. Fortunately, J.D. was nice [...]
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January 1st, 2008 — Kiva, Lending Club, Microplace, Update, Zopa, goals from Jeff & Heather @ My Microfinance
Here are our starting numbers for two of our P2P efforts as of end of day yesterday…
Loans- 66
Account Value- $1,653.57 (repayments have started)
2008 Goal- $10,000 in loans @ 10%+ return!
Loans Issued- 105
Historical Loan Value- $2,625
Current Default Rate- 0.00% (nice!)
2008 Goal- $5,000+ in loans!
The new year brings with it some exciting opportunities on the P2P lending [...]
RateLadder 2008 Goals
January 1st, 2008 — , Globe Funder, Kiva, Lending Club, Microplace, Prosper.com, Zopa, goals, loanio from RateLadder @ Rate Ladder
Happy New Year! Here are my goals for 2008 with RateLadder and p2p lending.
Current
Expectation
Goal
Stretch Goal
2008 Year Ending Account Value Prosper
$11,519.59
$15,500
$16,000
$17,000
Prosper Quicken ROI
10.16%
6%
8%
10%
Prosper Lending Stats ROI
3.92%
4%
5%
6%
Prosper Eric’s CC ROI
8.42%
8%
9%
10%
2008 Year Ending Account Value Lending Club
$1,596.76
$3,000
$4,000
$5,000
Lending Club ROI
???
6%
8%
10%
Per Month New Money Added To All P2P Lending Accounts
$300
$500
$700
Average Unique Visitors Per Day
87.22
100
200
500
RSS Feed Readership
143
200
500
1000
I have a general p2p [...]
2007 RateLadder Goal Review — Overall A-
December 31st, 2007 — , Kiva, Lending Club, Microplace, Prosper.com, Site Review, Site Statistics, goals from RateLadder @ Rate Ladder
As my final planned post of 2007 I will be reviewing my goals and giving a grade.
Here were my 2007 RateLadder Goals.
Expectation
Goal
Stretch Goal
Actual
2007 Year Ending Account Value
$4,386.37
$5,062.84
$5,740.86
$11,519.59
Return on Investment (ROI)
10%
12%
14%
10.16%
New Reinvestment Loans
24
27
30
30+
Number of Defaults
2
0
4
Per Month New Money Added
$50
$100
$150
$582
New Money Source
100% Savings
75% Savings, 25% RateLadder.com
50% Savings, 50% RateLadder.com
50%+ RateLadder.com
Google PageRank
1
3
5
3
Average Unique Visitors Per Day
10
50
100
87.22
2007 Year Ending [...]
Playing for Perfect Personal Finance
December 28th, 2007 — goals from Lazy Man @ Lazy Man and Money
Like many football fans who grew up around Boston, I am a huge New England Patriots fan. Unless you’ve been living on Mars, you probably know that this Saturday night the Patriots are trying to become the first football team to finish the regular season with a perfect 16-0 record.
Take everything one [...]
Getting the bonus you deserve
December 17th, 2007 — Financial Education, Lending Club, bonus, boss, deserve, goals, helped, leap, meeting, progress from Maneesh Sethi @ Better Rates. Together.
Are you interested in getting a bonus? Lobbying for a bonus can be one of the most difficult and scary things that you have to do in life—I know that I’ve always been scared to take the leap and ask my boss about a raise or a bonus. In many cases, however, it’s necessary.
When you [...]
The Money Marathon: Where Am I Now?
December 4th, 2007 — Financial Education, Lending Club, Series, exhausting, goals, marathon, meter, overly, physical, racing, wise from Andre Nosalsky @ Better Rates. Together.
In my previous article, I talked about defining and setting goals when undertaking your Money Marathon. Another key aspect of preparing for your Money Marathon involves understanding your starting point.
When getting ready to train for a marathon it is wise advice to visit your doctor for a checkup and receive an assessment from a [...]
$1,000 Met!
November 23rd, 2007 — Update, goals from Jeff & Heather @ My Microfinance
We initiated another transfer today from our checking account into Lending Club. This will bring our total invested to $1,000 by the middle of next week. Not too bad for our first month! We are on course for our goal of $1,500 by the end of the year. Savings should be fun and automatic. We [...]
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November 9th, 2007 — goals from Lazy Man @ Lazy Man and Money
Brip Blap has laid down a challenge… “What one goal have you always had privately that you would be willing to commit to publicly - right now? Post it and give a public commitment to stick to it!” Unfortunately, I have a way of putting a lot of goals out publicly, so trying to [...]
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Prosper Estimated Return Guidance Pessimistic Example — aka PML #5 — Pay off high interest home improvement cards
November 4th, 2007 — Features, Listing Review, Prosper.com, Statistics, Strategy, Tools, goals from RateLadder @ Rate Ladder
In my Friday post, I encouraged everyone to think for themselves when it comes to estimated return guidance. It is after all only an estimate. Today, I would like to pimp a listing I have bid on that I feel demonstrates a great return loan, but it is a fairly risky bucket. [...]
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September 24th, 2007 — Financial Education, Lending Club, events, goals, handling, months’, setbacks, temporary, triggering, unexpected from Mike Smith @ Better Rates. Together.
It’s amazing how quickly your financial situation can change. One minute you’re sailing along smoothly, making good progress towards your goals, and the next you’re in a downward spiral with little chance for recovery. Many times, there’s a single event that triggers the change. Preparing for that event can significantly reduce its impact.
Typical triggering events [...]
Risk Tolerance
August 30th, 2007 — Financial Education, Lending Club, gauge, goals, plan, planning, reaching, reward, risk, tolerance from Mike Smith @ Lending Club
I have always considered the tradeoff between risk and reward to be the most fundamental principle in savings and investment. Knowing how much risk you can handle, your risk tolerance, will help you to set realistic goals for your financial achievements. In fact, your desires for your finances may dictate the level of risk you [...]
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July 28th, 2007 — Financial Education, Lending Club, Series, brother, budget, cool, empty, entertainment, envelope, follow, goals from Maneesh Sethi @ Lending Club
For someone my age, I’m really lucky – I have a lot of extra cash because of the jobs that I’ve had. However, one thing that I haven’t been using is a budget. With no budget, it’s really easy to go out and spend money…but what do you say when the credit card bill comes [...]
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