Silk Road forums
Discussion => Off topic => Topic started by: badboy97 on January 07, 2012, 06:28 am
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Bitcoins available for new applicants 0
Bitcoins available for pools 1000
USD in lending $1287.75
My seed money for new applicants has been exhausted. At this point in time, the only way to receive a loan from me is to belong to one of the currently existing loan pools.
You can find the loan ledger at the bottom of this listing. Many of my customers have done business with many on Silk Road in the past. If you have done business with any of them, please shoot them a message asking for an invite to their pool. If they trust you then I trust you, because I trust them.
Also, when browsing the pools. The pools with completed loans are open to invitations. Pools with outstanding balances will not be open for new members.
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I am offering a line of credit to all Silk Road users.
Please send me message with the following...
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
What are you purchasing?______________
How much will it cost?____________usd
How long you will you take to repay?
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
You will need to purchase this listing so I can see your purchase history.
I will post all data collected regarding all borrowers credibility. Do not borrow from me if you do not want the repayment to be posted publicly.
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Below you will find the lending data I have gathered so far.
Let me explain to you a little bit about how to read this data.
At the top you will see the name of the pool under the starred line.
You will see what the rate is for a full 30 day loan.
You will see what the current debt is for the entire pool.
Total amount borrowed for that given pool.
Amount repaid.
What the early and late factors are for any given loan within the pool.
"Early Factor" is the bonus you get multiplied to your rate ex. 20% x .975 = 19.5%. This will cause a rating bonus of 0.5% per day for early payments.
"Late Factor" is penalty to your rate for being late 20% x 1.05 = 21% and cause a penalty of 1% per day.
Lastly you will see the loan factor.
For each completed loan your pools rate will increase or decrease by a factor indicated for that pool. If you had a factor of 0.98 for a completed loan you can see the rate change permanently for the whole pool.
Completed Loan
20% x 0.98 = 19.6% -0.4% on your rate for entire pool.
This would be your new interest rate after your first loan for the entire pool.
Default Loan
20% x 1.10 = 22% +2% on your rate for entire pool.
This would be your new interest rate if a loan goes into default.
Each pool has a collection of members.
Each member will get the rate and fees associated with the attributes of that pool.
Anyone can join anyone other pool. In fact I actually recommend to my borrowers to look at the ledger and join pools to build better rates.
All of these emails are actual verified emails. Not sure if the users check them often.
If you would like someone to join your pool please email me the email address of the account and I will email them and see if then want to join your pool.
I encourage anyone to make very large pools. This will be the most efficient way to root out bad users.
Also keep in mind that I cannot force users out of a pool. They must request to transfer. So if you add a bad apple to your pool it could cause permanent damage. Keep that in mind before sending an invite to your pool.
If you decide to leave the pool you are in to make a NEW pool, your rate will increase by 15%. This will discourage pool sharks, who seek out vulnerable pools.
If you join another persons pool. The rate for the pool will remain the same. So a lot of early members might have the best pools.
20% of your balance is actually due on the due date. This is your "minimum payment" of your loan. You can keep your loan going for another 30 days by "rolling" your 80% you still owe to the next month. This will be a good way to build credit cheaply and quickly.
There will be 24 hours of grace period after the due date before your account goes into default.
If someone in your pool defaults. Someone in your pool must pay off his outstanding balance in 30 days, or the pool's rate will drop.
The amount you borrow in usd is the amount that you must repay. If you borrow 50btc at $4 a piece. You must repay me $200 plus the interest you owe.
Example:
50btc loan @ $4mtgox exchange rate with 20% interest for 30 days.
You pay off 5 days early.
Rate 20% multiplied by early factor .98 is 0.5% per day early.
0.5% multiplied by number of early days 5 = 2.5% discount.
You would pay $200 multiplied by rate of 17.5% = $235
You must purchase the $235 in bitcoins and send to my account.
I will take note of the time you transferred the bitcoins.
Make sure you transfer them quickly before any rate change.
This will keep my purchasing power high, but I will risk losses due to deflation.
There can be as many pools as you want and you can make new pools anytime. Just email me badboy97@tormail.net
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trinitron421’s Pool
30 Day Rate 19.6%
Pool Debt $103.84
Amount Borrowed $353.39
Amount Repaid $265.84
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 1
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Members
trinitron421
trinitron421@tormail.net
Invited by Admin
Debt $103.84
send totrinitron421฿-16.00฿48.46January 6, 2012, 7:33 pm UTC
Due Feb. 5, 2012
Total Debt $353.39
Total Amount Repaid 265.84
Total Late Days 0
Completed Loans 1
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Thecloser29’s Pool
30 Day Rate 20%
Debt $164.50
Amount Borrowed $164.50
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
thecloser29
anon14567@Safe-mail.net
Invited by Admin
Debt $164.50
send to thecloser29฿-35.00฿177.65January 1, 2012, 7:23 pm UTC
Total Debt $164.50
Due Jan. 31, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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doublemint’s Pool
30 Day Rate 25%
Debt $71.25
Amount Borrowed $71.25
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
doublemint
stealthyyahooemployee@gmail.com
Invited by Admin
Debt $71.25
send todoublemint฿-15.00฿162.65January 1, 2012, 8:25 pm UTC
Total Debt $71.25
Due Jan. 31, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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eroller’s Pool
30 Day Rate 20%
Debt $72.75
Amount Borrowed $72.75
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
eroller
gerardeaston@gmail.com
Invited by Admin
Debt $72.75
send toeroller฿-15.00฿147.65January 1, 2012, 11:54 pm UTC
Total Debt $72.75
Due Jan. 31, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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mrgrey’s Pool
30 Day Rate 20%
Debt $133.75
Amount Borrowed $133.75
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
mrgrey
taco@tormail.net
Invited by Admin
Debt $133.75
send tomrgrey฿-25.00฿83.81January 2, 2012, 11:04 pm UTC
Total Debt $133.75
Due Jan. 31, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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Slingshot2006’s Pool
30 Day Rate 20%
Debt $213.60
Amount Borrowed $213.60
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
Slingshot2006
Canadaman19@tormail.net
Invited by Admin
Debt $213.60
send toSlingshot2006฿-40.00฿108.81January 2, 2012, 6:23 am UTC
Total Debt $213.60
Due Jan. 31, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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Sunderedlung’s Pool
30 Day Rate 20%
Debt $72
Amount Borrowed $72
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
Sunderedlung
sunderedlung@tormail.net
Invited by Admin
Debt $72
Total Debt $72
Due Jan. 31, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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tiocore’s Pool
30 Day Rate 20%
Debt $88.20
Amount Borrowed $88.20
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
tiocore
titcore@hotmail.com
Invited by Admin
Debt $88.20
Total Debt $88.20
Due Feb. 2, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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davekozy’s Pool
30 Day Rate 20%
Debt $73.50
Amount Borrowed $73.50
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
davekozy
edavec2@tormail.netInvited by Admin
Debt $73.50
Total Debt $73.50
Due Feb. 2, 2012
Total Amount Repaid 0btc
Total Late Days 0
Completed Loans 0
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meandmealone2’s Pool
30 Day Rate 25%
Debt $62
Amount Borrowed $62
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
meandmealone2
meandmealone2@tormail.net
Invited by Admin
Debt $62
send tomeandmealone2฿-10.00฿135.74January 5, 2012, 3:16 am UTC
Total Debt $62
Due Feb. 3, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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jj47’s Pool
30 Day Rate 25%
Debt $122
Amount Borrowed $122
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
jj47
jj47@hush.ai
Invited by Admin
Debt $122
send tojj47฿-20.00฿115.74January 5, 2012, 4:18 am UTC
Total Debt $122
Due Feb. 3, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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dotnorma’s Pool
30 Day Rate 30%
Debt $214.20
Amount Borrowed $214.20
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
dotnorma
diacetyldotnorma@tormail.net
Invited by Admin
Debt $214.20
send todotnorma฿-30.00฿64.46January 6, 2012, 4:45 am UTC
Total Debt $214.20
Due Feb. 5, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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Smashaddy’s Pool
30 Day Rate 30%
Debt $96.30
Amount Borrowed $96.30
Amount Repaid $0
Early Day Factor .975
Late Factor 1.05
Every completed loan reduces rate by factor of .98
Every default loan increases rate by factor of 1.10
Number of completed loans 0
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Members
Smashaddy
ericreidt@tormail.net
Invited by Admin
Debt $96.30
send toSmashaddy฿-15.00฿33.46January 6, 2012, 7:44 pm UTC
Total Debt $96.30
Due Feb. 5, 2012
Total Amount Repaid $0
Total Late Days 0
Completed Loans 0
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This seems bound to fuck you.... how you gonna make sure they actually pay?
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Just completed my first loan! I now have an open pool, but I'm looking to jump into one with a lower interest rate (mine is just shy of 30%). Still an awesome and incredibly ballsy service Badboy is offering!
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id be interested in joining a pool if the chance ever comes around im only needing it for a week or so at most so that could benefit the pool. im just looking to make a fast purchase on SR and finding a fast way to get my hands on bitcoins doesnt seem to be easy