JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,323 
Likes: 897
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Post by JamesFrance on Jan 13, 2016 9:15:02 GMT
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james
Posts: 2,205
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Post by james on Jan 14, 2016 12:50:04 GMT
The "Show my items" change is particularly handy in some circumstances. It changes the output to show only loans that you have placed on the market.
The discount/markup is less so because you can get the same XIRR at 40% markup as at 2% markup depending on how long the remaining loan term is for the two loans. XIRR would be a far more useful filter. Not that discount/markup is useless, but it'll lead to lots of missed interesting deals if used too exclusively. For example:
Loan 172225 is 29% interest rate AA rated Estonian C 1000 loan. Next payment is 18 of 18 and the return at 2% markup is 4.32%. 1% markup is 23.68%.
Loan 239380 is 29% interest rate D rated Estonian C 1000 loan. Next payment is 1 of 60 and the return at 40% markup is 15.26%.
It is good to see the secondary market improved and a statement in a blog post where someone quoted Bondora as saying that the current secondary market won't be removed.
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carlos
I'm short Bondora and long p2p.
Posts: 104
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Post by carlos on Jan 14, 2016 23:01:36 GMT
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james
Posts: 2,205
Likes: 955
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Post by james on Jan 15, 2016 10:21:38 GMT
High-low split, with the API for high end needs and their site for low end needs. Which is sad because their site offers some really excellent features compared to most sites. They may also have adjusted plans based on feedback.
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Post by oktaeder on Jan 20, 2016 20:08:37 GMT
Have you seen the new statistic features in the newsletter/on the blog? Looks much better now. It seems that they understand that bondora without investors would not be such a good idea. Now let's see if they will give us an old style PM back whery you can invest by countries...
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duck
Member of DD Central
Posts: 2,864
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Post by duck on Jan 21, 2016 5:36:54 GMT
....... Now let's see if they will give us an old style PM back where you can invest by countries... .... have to say I'm not holding my breath expecting that change but it would be just like the good old days 
I still have a decent Estonian portfolio but as for the rest .....
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Sr. Lobo
Member of DD Central
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Post by Sr. Lobo on Jan 21, 2016 18:31:33 GMT
....... Now let's see if they will give us an old style PM back where you can invest by countries... .... have to say I'm not holding my breath expecting that change but it would be just like the good old days
I still have a decent Estonian portfolio but as for the rest .....
And set a minimum amount not invested in portfolio. And paying for their mistakes in fraud and not recovery not with investors money... Long todo list in order to recover investors confidence
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Sr. Lobo
Member of DD Central
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Post by Sr. Lobo on Jan 22, 2016 7:03:29 GMT
And an Easter egg: account statement has desapeared as a new feature you can only see last day movements.
Also No signal of defaulted loan in graphics, no indication about using number of loans or amount... Very professional work as always.
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duck
Member of DD Central
Posts: 2,864
Likes: 6,898
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Post by duck on Jan 22, 2016 8:30:19 GMT
And an Easter egg: account statement has desapeared as a new feature you can only see last day movements. Also No signal of defaulted loan in graphics, no indication about using number of loans or amount... Very professional work as always. Yes it's not looking good!
My daily routine is to download an account statement. The facility is still there (unsurprisingly under data export in 'expert centre) but it doesn't work ... enter dates and it just hangs there ..... no amount of waiting/refreshing/logging on/off makes any difference.
The 'account statement for last 24 hours' might be of some use but the formatting is totally different (and lacking in detail compared to the download - e.g you can't see who bought any loans you have sold) so my spreadsheets fall over. Being a pedant 'for the last 24 hours' is a moving target - the last 24 hours are now different from when I logged on an hour ago ...... is it for the last day? .... if so say so giving the date!
On downloads the 'investment list' isn't working and unlike the account statement you can request it but the request just disappears! This to me was the most valuable download since you could easily sort for defaults, repayments on defaulted loans, what loans had sold, which loans had made overpayments etc etc ..... without this I will not be able to keep on top of my investments!
On the 'statistics' tab the table covering the default stages for investments and recovery amounts has gone. This was valuable since you could see if anything had been recovered without having to download a new copy of the 'investments list'...... and you could also instantly see if you had a new 'batch' of defaults.
The Pie Chart doesn't appear to be accurate (not just lacking in default capital) it says I have 0.9% of my bids in the 160-320 range and 25% in the 40-80 range. I have never bid above 50 so those figures are just wrong.
I've had a 'play' with the "Actual and expected recovery rate comparison" and can't get anything meaningful out of it. I can't see the value of a bar chart that says for instance 10% in the bar that corresponds with 10% on the chart axis - no matter what I've tried the results are the same.
Too depressed to do any more digging and I've typed enough already 
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jo
Member of DD Central
dead
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Post by jo on Jan 22, 2016 8:58:53 GMT
And I guess it has fried oktaeder 's plugin. |
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Post by oktaeder on Jan 22, 2016 14:22:27 GMT
What a disappointment!
- account statement only one day and hidden
- default stages gone
- no detailed cashflow by day (or did anyone find it)
- no overdue/defaulted graphs
- I don't understand recovery statistic
And no, I can't calculate not-lying pie chart now. Maybe I'll build an API statistic sheet but seems to be a lot of work.
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james
Posts: 2,205
Likes: 955
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Post by james on Jan 22, 2016 15:08:45 GMT
That change to account statement to show only the last day is frustrating, meaning it now has to be checked at least twice a day to avoid missing things, instead of being easy to do it less frequently when desired.
At least they sort of kept the past cash flow monthly when they added the planned cash flow one, so they probably haven't completely broken my tax reporting data source. But with no daily reports it has broken it for the April month that is part in two tax years unless I check the numbers at midnight on the fifth and not them down to get the sub-total for the ending tax year. Nice to see the breakdown into types of interest and fees. Not nice to have had the ability to compare projected with actual amounts removed. And of course you have to add the fees paid to net interest income to get the reportable interest because their fees include things that aren't deductible against income. Unfortunately the chart shows the interest income net of the fees so it's not as useful anymore to show interest trends, though at least with no secondary market fees at the moment it'll matter less with that deduction no longer present.
Overall the combination of added and removes makes this a net negative change for me because of the tax reporting, cut down account statement and lost ability to compare projections with actuals.
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duck
Member of DD Central
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Post by duck on Jan 22, 2016 15:10:34 GMT
Well I have to go back a bit on what I wrote earlier, the data export is now working .... I now have several copies of yesterdays transactions and 3 copies of my investments list ..... the disappearing requests have all been processed!
The 'account statement for last 24 hours' is indeed a rolling piece of information and works on the last 24 hours as per the title!
I've also checked the 'historical cash flow' and I have found it ties up with my calculations so no surprises there for me!
So as long as the data export remains working I can keep producing the information that I need to keep our Tax Man happy, I just hope it doesn't take several hours each day to be produced 
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james
Posts: 2,205
Likes: 955
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Post by james on Jan 22, 2016 15:10:38 GMT
- I don't understand recovery statistic I think it's the performance relative to their projected recovery. So 100% recovery would mean 10% recovered except for Estonian loans where it would mean 70%.
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,323
Likes: 897
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Post by JamesFrance on Jan 22, 2016 15:50:47 GMT
This is taken from their blog
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