This is because we identify and focus on low risk borrowers, we have been cautious in our underwriting in anticipation of increases in default rates, and, since early 2016 in response to very early indications, have been more and more cautious in our lending criteria.More recently, we have reduced the amount of lending in our higher risk, higher return D-E markets (which are included in the Plus product). These kinds of returns will attract competition wanting to undercut them because investors are accepting 2.5% in the bank or on rental properties. O/seas returns in these sorts of investments are not as good as they are here. I get the feeling we're making hay while the sun shines. These kinds of returns will attract competition wanting to undercut them because investors are accepting 2.5% in the bank or on rental properties. Of course you'll need to add up funding available, in funding and outstanding principle but if you do, I think you may be shocked by your actual growth, mine is about 7.5% compared with a RAR of almost 16%. O/seas returns in these sorts of investments are not as good as they are here. IMO the only way you can work out your actual growth is get your balance one year ago and compare it with today's balance.We are also taking steps to attract more lower risk customers thus increasing the proportion of A and B rated loans.
XIRR at just under 18% (after tax) - very consistently, current RAR at 17.35%pa.In the late 1990s, Warren said he decided to test his theory that certain characteristics can predict compatibility and lead to more satisfying relationships.After three years of research in collaboration with Galen Buckwalter, Warren developed a model of compatibility that is now the basis of the company's matching system.Warren closed unprofitable international operations, switched advertisers, made changes to the board, No independent studies of e Harmony's methods or success rates have been published.Prospective members complete a proprietary questionnaire about their characteristics, beliefs, values, emotional health and skills.