JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,323 
Likes: 897
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Post by JamesFrance on Feb 15, 2017 10:54:53 GMT
Mine seems to be working OK  |
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Post by rahafoorum on Feb 15, 2017 13:37:10 GMT
Same account and same settings for "balance". ![]() Thank you. Could you please show the "Loan status" chart also with the same statuses as for risk graph. Currently I can't compare these, if you hoover to the "loan status" piechart then you can see the amount in euros also. If you wish you can send these to me privately. What you chose under the settings for both chart for "value"? It is clearly visible that there are no overdue loans in the pie (which is true for the portfolio), but there are overdue loans in the monthly graph.
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kulerucket
Member of DD Central
Posts: 336
Likes: 93
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Post by kulerucket on Feb 15, 2017 16:16:55 GMT
I never understood this very chart and I don't do yet. here is mine:  It doesn't look good (and it isn't) but there is much too much "orange". red:orange is 26k:3k in summary. I don't think it is possible to say whether this is good or bad without you configuring it to show the repaid principal. Otherwise we have no way of knowing what percentage of your loans bought in each month are still overdue against those that have been repaid. You could make it look even worse by no showing the green and orange at all.
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Post by oktaeder on Feb 15, 2017 16:49:28 GMT
Repaid volume doesn't tell nothing because it seems that sold loans are included there. Overall 25% is repaid.   And - no I don't blame nobody about the performance but this chart is bullshit. |
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Post by oktaeder on Feb 15, 2017 16:59:57 GMT
You could make it look even worse by no showing the green and orange at all. I myself don't wonna fake charts. But you can easy compare the percentage of orange to red now... don't taking about grey.
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Post by mopcku on Feb 15, 2017 17:13:19 GMT
I'm a bit drunk and antagonistic so what the hell... I get all the animosity against Bondora from the pioneers. But you entered this market long before I was anywhere near comfortable with this sort of investment. It was high risk at the time and it didn't work out. Deal with it! All I've seen are people whining that they were/will be lucky to break even. Surely a complete loss of everything was a substantial possibility and you must have accepted that risk at the time. Whatever "stats" the platform puts out, anyone entering this game should be drawing their own conclusions from their own experiences. As far as I'm concerned this is still the wild west in terms of investment opportunities so there is a real need to be very careful. At this point in time Bondora has a lot of competition and if they fail to deliver they won't survive. I tend to put a fairly small amount in a platform until I fully understand how it works, how defaults are dealt with, how much actual return I'm getting, etc, etc. For this platform at this point in time the (my) jury is still out. If you have put more cash into these things than you are comfortable with losing, what do you expect? Check this please p2pindependentforum.com/thread/7962/bondora-review-3-interesting-years
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Post by mopcku on Feb 16, 2017 10:44:13 GMT
Hi marthaskirta
Can you please help me to understand how it is this possible?
On the one hand Bondora shows I have 0.1% Overdue Loans and on the other hand 1 Loan out of 16 Loans is overdue?
1/16 is more like 6.3%. Also taking the exposures is not helping to get 0.1% since i have loans with exposure 4.99 out of 94.87 which is also above 5%
Thanks
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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 Feb 16, 2017 16:17:18 GMT
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Post by mopcku on Feb 16, 2017 17:15:34 GMT
Thanks I know this aritcle. But do you really mean also in this case they count late the only 1 payment?? I hope you are joking !!! The loan is status late..not the payment...
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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 Feb 16, 2017 17:27:34 GMT
That is correct but with the new settings we can set it to show reality, but passive investors probably won't understand but just see the Bondora setting and not change what they are shown.
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Post by rahafoorum on Feb 16, 2017 17:56:58 GMT
Thanks I know this aritcle. But do you really mean also in this case they count late the only 1 payment?? I hope you are joking !!! The loan is status late..not the payment...
Yes, the same logic is used for defaulted loans, calculating your account value, net profit and calculating annualized returns. Although different logic is used when calculating return for defaulted loans on secondary market (somehow can't calculate it there..) or in contracts and collections when loan defaults (schedule becomes void and full amount becomes due).
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p2pmaster
investment is life.
Posts: 128
Likes: 54
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Post by p2pmaster on Feb 17, 2017 8:13:48 GMT
Have you noticed two important things at Bondora?
1. Head of investors relationship left
2. 60-DAY MONEY BACK GUARANTEE
"Unsure about whether P2P investing is right for you?
At Bondora, you can test-drive our market-leading platform and invest risk-free for 60 days. If you are not completely satisfied with our service or your returns during that time, simply ask for your money back. It’s that easy."
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Post by marthaskirta on Feb 20, 2017 6:56:02 GMT
Have you noticed two important things at Bondora? 1. Head of investors relationship left 2. 60-DAY MONEY BACK GUARANTEE "Unsure about whether P2P investing is right for you? At Bondora, you can test-drive our market-leading platform and invest risk-free for 60 days. If you are not completely satisfied with our service or your returns during that time, simply ask for your money back. It’s that easy." Hey! Head of investors relationship did not left, she is going on maternity leave in near future.
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