1. 10-04-10 06:36 PM #1
    ThaddeusB
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    Bank of ThaddeusB 2.1 (October) - LOAN available; interest earning DEPOSITS accepted

    Thanks to everyone who has expressed interest in my deposit program thus far. I am significantly increasing some of the deposit rates and tweaking a few things based on your feedback. (Existing deposits will be paid at the agreed terms, with savings accounts switching to the new terms after 1 month.) Details are below...

    But first, the loan info:

    I offer a variety of loans, as outlined below. If you need an amount not listing below, let me know and I'll be glad to make you an offer. I have eliminated the blog rate due to changes in SBR policy that make blogging less profitable for the blogger.

    All loans are subject to approval. I base my decision on both previous loan history and length\quality of posting history. The schedule listed here is for typical posters (0-2 loans repaid) - people with exceptional credit histories will be offered discounted rates upon request.

    Special "Starter Loan" to build credit history


    Regular Loans
    All due dates factor in a couple extra days for not being able to log in, not being credited points, etc. Loans that are more than 3 days overdue will be subject to a 1pt/day penalty.


    And now the depositing info...
    For people who don't want the work and/or risk of loaning their points, I am now offering a deposit system. The interest is lower than you'd get from making a loan, but so is the risk and the amount of work required. (I have more incentive [protecting my loan business] and ability [100+ point income daily] to pay.) Full disclosure of the bank's current assets/liabilities is listed below so you can assess the potential risk for yourself.

    Based customer feedback, I have re-thought my interest rates. I was originally calculating them based on the amount one would expect to receive on a single loan of the same amount. Based on standard SBR terms, one has to wait a lot longer to get the same % return on a large loan, which means lower % interest per month. However, realistically, I will be breaking up large deposits into smaller loans. Thus, I can afford to pay more interest than my previous method of calculation implied. More points means more work for me, so the rate still decreases a bit as you move up the scale - but not nearly as much as before. In fact, for a very large deposit you'll actually get as much or more interest from me as you would lending the points to a single borrower (with significantly less risk). OK, I've rambled enough, on to the options...

    The first deposit option works a lot like a standard loan (to me). You transfer me an amount of your choosing and pick your repayment schedule (higher interest for slower repayment). For clarity, I am calling this option the annuity option. The following table is for small-medium amounts. If you want to deposit more than 200, let me know and I'll offer you a rate higher than what is listed below.


    The second option is a single lump sum-payment. Instead of getting weekly payments, you only get one payment at the end of the loan period. This option pays the highest interest since it allows me to use the full amount of your deposit longer. I have increased the %s and/or decreased the length considerably for larger loans since my original post. Longer time periods carrying significantly higher interest are available upon request.


    The third option is a savings account. Under this option, withdraw (repayment) is done by request only. However, you can withdraw or add to your balance at any time. For each full month that your points are kept on deposit, you'll earn interest according to the following chart. (In the event of withdraws or additional deposits, average balance will be used in calculations.) In order to maximize interest, I am now offering two choices. Under type A savings, the entire balance is payable on demand. (Amounts up to 200 will normally be returned within 24 hours; amounts above that may take a few days. All points I get in will go toward repayment until the balance has been returned.) Under type B savings, there is a 200 pt/week withdraw limit.

    The chart is cumulative, so if you deposit 250 points, for example, you'd get 11% on your first 100, 7% on the second 100, and 6% on the last 50.


    Interest, if not withdrawn, does compound. Some examples for clarity: A 250 point "type A" deposit would earn 21 points the first month (11+7+3) and 22 the 2nd (11+7+4). A 400 point "type B" deposit would earn 31 points (11+7+7+6) the first month and 33 in the 2nd (11+7+7+8).

    The savings account option pays slightly lower interest than the lump sum because I guarantee quick withdraw (as outlined above) upon request without loss of earned interest. I will honor requests for early withdraw of other deposits, but can make no promises as how quickly I can get you the points. Fulfilled requests for early withdraw from non-savings account plans will be paid 2% interest (to cover rake only) - additional interest will be forfeited.


    To make a deposit, just please specify which option you want (annuity [specify payment plan], lump-sum, or savings ["A" or "B"] account) and transfer me the desired amount.

    If you want some other option/want to meet some specific point goal (e.g. "I need 500 points by the end of the year"), drop me a PM and I'll see what I can do. Potential large depositors are encouraged to ask question here or over the PM system prevent misunderstandings and/or to negotiate custom rates.


    And finally full disclosure info:
    Current Loans Outstanding: 32 loans / 3238 points due, including interest
    Assumed bad debt (not included in above figure): 156
    Estimated weekly income: 700+
    Current Non-Savings Deposits: 9 deposits / 786 points
    Weekly Liability: 93
    Savings Deposits (payable on demand): 3 deposits / 310 points
     Deposit amount repaid to date: 284


    If you have any questions, don't hesitate to ask.
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    Roadtrip635 gave ThaddeusB 200 SBR Point(s) for this post.

    Roadtrip635 gave ThaddeusB 200 SBR Point(s) for this post.

    Roadtrip635 gave ThaddeusB 200 SBR Point(s) for this post.

    oldstylecubsfan gave ThaddeusB 303 SBR Point(s) for this post.

    Roadtrip635 gave ThaddeusB 300 SBR Point(s) for this post.

    mr. leisure gave ThaddeusB 200 SBR Point(s) for this post.

    mr. leisure gave ThaddeusB 100 SBR Point(s) for this post.

    robmpink gave ThaddeusB 93 SBR Point(s) for this post.

    sportscash gave ThaddeusB 160 SBR Point(s) for this post.

    sportscash gave ThaddeusB 146 SBR Point(s) for this post.

    robmpink gave ThaddeusB 600 SBR Point(s) for this post.

    robmpink gave ThaddeusB 83 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    kiln gave ThaddeusB 500 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    BOP24 gave ThaddeusB 2 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    Kard$hark gave ThaddeusB 160 SBR Point(s) for this post.

    robmpink gave ThaddeusB 23 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    robmpink gave ThaddeusB 12 SBR Point(s) for this post.

    Kard$hark gave ThaddeusB 40 SBR Point(s) for this post.

    robmpink gave ThaddeusB 26 SBR Point(s) for this post.

    beefcake gave ThaddeusB 100 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 24 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 6 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 24 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 9 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 24 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 24 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 18 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 36 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 43 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 12 SBR Point(s) for this post.

    Mr. Peepers gave ThaddeusB 36 SBR Point(s) for this post.
    Nomination(s):
    This post was nominated 1 time . To view the nominated thread please click here. People who nominated: 1NS4N3
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  2. 10-04-10 06:41 PM #2
    Straight Cash
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    Can I get a 30 pt for 33 in 1 day or 36 in 4 days?
    Points Awarded:

    ThaddeusB gave Straight Cash 30 SBR Point(s) for this post.
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  3. 10-04-10 06:45 PM #3
    milwaukee mike
    milwaukee mike's Avatar SBR PRO
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    wow that's quite a bit of effort for a couple hundred bucks worth of loans

    good luck with the banking

    keep in mind though that after football season prices in the store are possibly going WAY UP
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  4. 10-04-10 06:47 PM #4
    ThaddeusB
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    Quote Originally Posted by Straight Cash View Post
    Can I get a 30 pt for 33 in 1 day or 36 in 4 days?
    Certainly - 30 points transferred. BOL with the points.
    Points Awarded:

    Straight Cash gave ThaddeusB 33 SBR Point(s) for this post.

    goucla gave ThaddeusB 3 SBR Point(s) for this post.

    djefferis gave ThaddeusB 12 SBR Point(s) for this post.
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  5. 10-04-10 06:49 PM #5
    landers781
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    the last ten!
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  6. 10-04-10 06:52 PM #6
    whatsgood5
    Let's fuckin' do it
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    Looking for 200 betpoints loan, owe 88 to Mex, then will bet the other 112 on tonights game.

    Will start repayments of 12 tomorrow
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  7. 10-04-10 06:55 PM #7
    milwaukee mike
    milwaukee mike's Avatar SBR PRO
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    what's the bet whatsgood?
    if you want new england i'll do the 100 to win 100 check my other thread
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  8. 10-04-10 06:56 PM #8
    whatsgood5
    Let's fuckin' do it
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    Quote Originally Posted by milwaukee mike View Post
    what's the bet whatsgood? if you want new england i'll do the 100 to win 100 check my other thread
    Going with the over, thanks though.
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  9. 10-04-10 06:58 PM #9
    ThaddeusB
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    Quote Originally Posted by milwaukee mike View Post
    wow that's quite a bit of effort for a couple hundred bucks worth of loans

    good luck with the banking

    keep in mind though that after football season prices in the store are possibly going WAY UP
    You are correct. If profit was my only motive, I'd be silly as I'd be working for less than minimum wage for sure. As it so happens, I actually do enjoy doing this though, so I get a benefit besides profit.
    Points Awarded:

    zebra58 gave ThaddeusB 6 SBR Point(s) for this post.

    zuluhead1``1 gave ThaddeusB 8 SBR Point(s) for this post.
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  10. 10-04-10 06:59 PM #10
    ThaddeusB
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    Quote Originally Posted by landers781 View Post
    the last ten!
    Thanks for the prompt repayment - it is much appreciated.

    I'll report the loan as successful to the credit bureau tomorrow. If you need a loan again in the future, just let me know and I'll be happy to help.
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  11. 10-04-10 07:01 PM #11
    ThaddeusB
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    Quote Originally Posted by whatsgood5 View Post
    Looking for 200 betpoints loan, owe 88 to Mex, then will bet the other 112 on tonights game.

    Will start repayments of 12 tomorrow
    Sorry, I only have 41 available right now so I won't be able to help you out tonight.
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  12. 10-04-10 07:07 PM #12
    Straight Cash
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    Quote Originally Posted by ThaddeusB View Post
    Certainly - 30 points transferred. BOL with the points.
    All set, thank you sir!
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  13. 10-05-10 03:26 PM #13
    zafzaf
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    Quote Originally Posted by whatsgood5 View Post
    Looking for 200 betpoints loan, owe 88 to Mex, then will bet the other 112 on tonights game.

    Will start repayments of 12 tomorrow
    i'd like to make you a reminder that you owe me 700 points and you dont reply my pm's
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  14. 10-05-10 04:40 PM #14
    egloff
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    I add 100 points to my savings account B.

    I like your bank idea and it will hopefully work for a long time.
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  15. 10-05-10 06:40 PM #15
    BGboothA
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    20/210 sorry for the delay on the first couple of days, simply slipped my midn.
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  16. 10-05-10 07:06 PM #16
    ThaddeusB
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    Quote Originally Posted by egloff View Post
    I add 100 points to my savings account B.

    I like your bank idea and it will hopefully work for a long time.
    Deposit received and recorded. Thanks again for your support!
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  17. 10-05-10 08:08 PM #17
    goucla
    goucla's Avatar SBR PRO
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    ok ready to do it, thanks for the opportunity
    Points Awarded:

    ThaddeusB gave goucla 20 SBR Point(s) for this post.
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  18. 10-05-10 08:33 PM #18
    ThaddeusB
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    Quote Originally Posted by goucla View Post
    ok ready to do it, thanks for the opportunity
    20 points transferred for 30 back at 6/day or 23 back tomorrow, as per our PM conversation. BOL with the points and please don't cheat me.
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  19. 10-06-10 12:52 PM #19
    ThaddeusB
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    Open for business. Should be online most of the rest of today (10/6)
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  20. 10-06-10 01:48 PM #20
    BatemanPatrickl
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    Thaddeus is the man!
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  21. 10-06-10 02:10 PM #21
    nmr123321
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    Hey Thaddeus, just deposited 180 points in the single payment plan at 22% interest with payback in 2 months
    Points Awarded:

    ThaddeusB gave nmr123321 220 SBR Point(s) for this post.
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  22. 10-06-10 03:12 PM #22
    ThaddeusB
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    Quote Originally Posted by nmr123321 View Post
    Hey Thaddeus, just deposited 180 points in the single payment plan at 22% interest with payback in 2 months
    Deposit acknowledged and recorded. I have you down for 220 repayment on 12/6/10. Thank you for your continued support.
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  23. 10-06-10 03:20 PM #23
    RudyRuetigger
    Leave of absence until March Madness
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    one has to wonder if this is williams22
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  24. 10-06-10 03:31 PM #24
    ThaddeusB
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    Quote Originally Posted by RudyRuetigger View Post
    one has to wonder if this is williams22
    I assure you I am entirely my own person. You can search my nickname and find me a variety of places online, if you so choose.
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  25. 10-06-10 05:03 PM #25
    BatemanPatrickl
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    Thaddeus I would like to take out a 150 betpoints loan on top of what we already talked about.
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  26. 10-06-10 07:48 PM #26
    BrianLaverty
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    Hey Thaddeus

    Can I get a loan?

    150 loan.. ill pay back 6/day for 210 points.

    Gonna use it for sportsbook and poker.

    Thanks alot man..
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  27. 10-06-10 08:03 PM #27
    ThaddeusB
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    Quote Originally Posted by BrianLaverty View Post
    Hey Thaddeus

    Can I get a loan?

    150 loan.. ill pay back 6/day for 210 points.

    Gonna use it for sportsbook and poker.

    Thanks alot man..

    I don't see any evidence you ever repaid peeteer from your loan back in March. Unless you can provide some, I'll have to decline your request.
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  28. 10-06-10 08:07 PM #28
    BrianLaverty
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    Quote Originally Posted by ThaddeusB View Post
    I don't see any evidence you ever repaid peeteer from your loan back in March. Unless you can provide some, I'll have to decline your request.
    I dont have any evidence... I actually completely forgot about it and I have agreed to pay him 75 dollars to the greek... and thats alot more then 200 points is worth. Im sending him the money this weekend.. you can ask him, as Ive been in touch with him this week.

    I was actually gonna send him the winnings if I win in poker anyway tonight. ANd I did start repaying him 12 points this week.

    Finally... I am filling out an application for SBRPro as we speak, so I will be getting 12 points/day... so if nothing else, id be able to pay u back at 6/day AND peeter back at 6/day... But i have much confidence in my poker skills and i feel like I can win enough to pay you both tonight.

    If you dont feel comfortable doing 150, id gladly take 100 as that is adequate enough for me and poker.
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  29. 10-06-10 08:12 PM #29
    BrianLaverty
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    Also, I don't know if it matters to you... but I am very well known and respected on covers.com (BrianLaverty). I have close to 4400 posts, so it isn't like Im not around to make posts and send points here... I just completely forgot about my loan from peeter, and have always had intentions of paying him.... If he doesn't have a Greek account, I will send him $50 on paypal tomorrow.
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  30. 10-06-10 09:11 PM #30
    ThaddeusB
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    Quote Originally Posted by BrianLaverty View Post
    I dont have any evidence... I actually completely forgot about it and I have agreed to pay him 75 dollars to the greek... and thats alot more then 200 points is worth. Im sending him the money this weekend.. you can ask him, as Ive been in touch with him this week.
    Let me talk to peeteer and get back with you.
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  31. 10-07-10 09:37 AM #31
    BrianLaverty
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    Quote Originally Posted by ThaddeusB View Post
    Let me talk to peeteer and get back with you.
    Have you heard back from peeteer yet? Really hoping to get those points for the open play tonight.
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  32. 10-07-10 04:23 PM #32
    BrianLaverty
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    Thaddeus, have you heard back from him?
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  33. 10-07-10 04:25 PM #33
    shaunovery
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    looking for 30 points i pay back 6 points a day for 7 days, using it for the sportsbook and poker

    thanks
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  34. 10-07-10 04:43 PM #34
    ThaddeusB
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    Quote Originally Posted by BrianLaverty View Post
    Have you heard back from peeteer yet? Really hoping to get those points for the open play tonight.
    Nope, I haven't heard anything yet. Sorry. Even if I do decide to take a chance on you, I would definitely be starting you at the low end of my loan offerings so 100-150 isn't going to happen, I'm afraid.

    You are certainly welcome to look around for points elsewhere. In which case, I wish you the best.
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  35. 10-07-10 04:45 PM #35
    ThaddeusB
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    Quote Originally Posted by shaunovery View Post
    looking for 30 points i pay back 6 points a day for 7 days, using it for the sportsbook and poker

    thanks
    I responded to your PM. Basically, you've only been active for 2 days, so you are too new to be a reasonable gamble for me (many people leave the forum after a few days). Feel free to ask again in a week or so.
    Points Awarded:

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    jetsjets1028 gave ThaddeusB 6 SBR Point(s) for this post.

    That Foreign Guy gave ThaddeusB 200 SBR Point(s) for this post.

    strixee gave ThaddeusB 200 SBR Point(s) for this post.

    Ninersnut gave ThaddeusB 300 SBR Point(s) for this post.
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