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dsmillie

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dsmillie

Facebook profile
Days since last payment 31 days
This user requests ฿10 at 0.40000% paid weekly.
avatar dsmillie 2016-08-01 22:28

Note, this initial loan is simply to test the "credit limit" properties of get line.

avatar dsmillie 2016-08-01 22:28

"credit line" rather.

avatar dsmillie 2016-08-02 09:20

This seems to work rather well for my needs, so decided to increase the requested amount to something more worthwhile. If you have any questions you can skype me smillieda or call ma +1-604-815-9129

avatar dsmillie 2016-08-02 09:41

https://btcpop.co/Profile/15843/dsmillie

A

This user is A rated with a score of 492 / 500

Total Number of Repaid Loans: 53

Total Active: 7.53208475

Total Repaid: 64.91775068

Total Paid late: 0

Total Overdue: 0

avatar dsmillie 2016-08-02 09:43

Should also shamelessly plug my current project, still under construction.

www.ezbtc.ca, I currently trade between 20-30btc a day through various means.

avatar Zonk! 2016-08-02 17:55

Can you please explain why you're asking for loan with APR of 3678%? (YES, three thousand six hundreds seventy eight percent per year).

Axelrod 2016-08-02 20:59

He is asking to get funded quickly and then ask for lowering the rate - for now profit opportunity for investors.

avatar dsmillie 2016-08-03 10:04

This is what was advised to me by Kac. It's a tiny amount for me anyways. Happy to pay it for a little bit to attract investment.

avatar dsmillie 2016-08-05 08:13

Just a heads up, I repaid the line, then re-drew it to see how it worked. Dunno if that does anything... interest is a bit insane on .25 though, but i'll carry it through for another week or two to see if we can get a useable line running.

avatar Zonk! 2016-08-09 21:55

Sure you can, just put your desired daily ratio (0.05-0.12 I guess) and see if people adhere. I think people do not trust to someone willing to pay such insane APR, like most BTCjam scammers did, so there is no point spending *lots* of money for - basically - nothing (nothing useful at least).

avatar dsmillie 2016-08-12 05:17

As directed by Kac, I have increased the credit line to the necessary amount for our trading needs and reduced the interest to 0.337% daily, which should work out to about 2.5% weekly which are my standard rates for using borrowed coin.

I've followed advice as directed to continue testing this platform. Thanks.

avatar Zonk! 2016-08-13 07:05

It is amazing to watch how growing trust to you reduces your loan rate! Dutch auction in practice! Genius!

avatar dsmillie 2016-08-13 08:54

Haha - the 3600% was a little insane. I think this is now setup properly if Kac knows how to do math. :)

avatar dsmillie 2016-08-13 13:33

I've temporarily increased the interest to 0.7% for a few days to really test out the stability and viability of using a getline creditline as a tool to access bitcoin when needed quickly and between bulk buys as necessary.

avatar dsmillie 2016-08-15 05:45

0.7% didn't have any effect, so lowered to sustainable rate. Will keep it here.

avatar Zonk! 2016-08-18 11:22

Perhaps you should pay more attention to your 'burnout' parameter and try to keep it above 30 days. If it is below 30, investor's funds are locked. See BitBargains /u/5 or Ali Raheman /u/16 accounts for refererence - they keep reserve pool in system and have attracted many investors who fight to have their offer accepted.

avatar dsmillie 2016-08-21 19:23

Hey Zonk. Okay, I'll try and understand that, thanks for the heads up. I'm tossing in some change I have in wallet will just leave it on here.

avatar Zonk! 2016-08-29 20:45

1% lenders, burnout 0 days => no payments tonight? :-(

avatar dsmillie 2016-08-30 08:19

I had that on for the weekend as it was so dry for coin. Am I supposed to take the coin or leave it in there. I tried the burnout thing zonk, I made a .35 payment and it all got eaten up. So burnout still 0 right? Anyways, glad I checked lowering the rate

avatar Zonk! 2016-09-02 22:36

"Burnout" means: for how long can we leave it as it is until it gets dry? The answer is: nobody knows! Because what you have taken is 'invested' here, and what has left is excess money. This excess money is used to pay interests on borrowers debt. But you are not the only borrower here. Moreover, excess money is not 'invested' money, so people tend to invsest it in other borrowers, thus shortening your burnout. Plus people might feel FUD, when they see your percentage demand changing continously.

I would suggest either: (1) set some constant, reasonable loan rate, and keep it that way, repaying loan when loan sharks come into play with too high percentage, withdrawing money when you can. Try to keep your repayments on schedule: weekly means once per 7 days (+/- whathever needed), so people can see you're still alive ;-)

Or (2) you can talk to individual investors, asking for long-term credit line, assuring they will not change percentage wildly. But no one will be glad to see his high value, long-term investment at - say - 0.1% and a bunch of loan-shark-kiddies with 1% at the same time.

As always it is about building up a reputation.

If I were you I would do both (1) and (2). Need coins? Ask for 7B at 0.3-0.35% and people will love you. All you need is to keep maximal rate low, so it will be not feasible to bite you with higher %. Long term arrangements with wealthy investors here will help you seem credible. Jumping from 0.3 to 1 back and forth is not good for anyone, because if I adhere to 0.3%, I will be disappointed seeing people earning 1%, becaouse you changed your advertisement. And vice-versa: when I set 1% I will be disappointed to see that my offer left the ship, because now it is 0.3% and everyone else has pushed me out.

Hope I do not have too much % of booze in my vain to express clearly ;-)

Cheers, Zonk!

avatar Zonk! 2016-09-02 22:43

Anyway burnout of 0 means 'no reward today', which means 'no point in investing with that guy who attract only greedy loan sharks', which consequently means 'let's take back our money until we can do it', so please: @dsmillie please repay some,

@lenders: please increase either your credit limit or free-flow cash amount.

Otherwise we won't get paid tonight.

avatar dsmillie 2016-09-03 14:35

I straight up don't understand how it works. I thought I'm supposed to use the money as it comes in. I have a payment due tomorrow .15 I'll make more than that.

avatar dsmillie 2016-09-03 14:37

Hey Zonk, I raise the rate often when I need coin to do a deal. I'll lower it to .35 now keep it there, and leave some funds in the account... just for you :)

avatar Zonk! 2016-09-13 06:21

How long is week at your place, sir?

avatar dsmillie 2016-09-15 20:08

Apparently 8 days! Ha. Sorry. Honest mistake.

tobixen - investments 2016-10-03 19:18

I'm a bit worried, pretty high interest rate (it's hard for me to imagine any legitimate business yielding more than 100% APR, with the possible exception of very short-term loans), and the localbitcoins account feedback doesn't look much promising.

avatar dsmillie 2016-10-05 04:36

Please refer to tradingcoinz re: feedback. The interest is high I agree. I didn't understand the algorithm correctly.

dsmillie on LBC is an account which I owned when first learning about BTC. LBC are currently correctly the profile, but first we need to wait 2 weeks for the 2fa to open up. It was actually I who paid twice, I was a newb and there was no paypal chargeback and I sent a western union to the seller to cover what he said he was out.

It was a mess, and it's never come to light or to my attention until Getline. Weird eh.

Feedback on tradingcoinz is excellent but we do most our trading through the company not on LBC.

h3. 2016-10-05 05:56

May be worth actually establishing some form of plan regarding debts owed elsewhere instead of outright ignoring people that have supported you for months.

avatar Zonk! 2016-10-05 06:36

So the new number is 0.41%. That's fine for me.

Is it for good or just temporary? ;-)

avatar Kacper 2016-10-10 11:00

Re: My comments above ->

dsmillie is transparent regarding that issues and they are solved by him. If anybody have any questions one can contact him directly.

avatar dsmillie 2016-10-11 04:23

Just to add to the above, which should apparently be removed shortly once admin has a chance to do so.

POP Paid (confirming coins)

You cannot chargeback payments on BTC Jam as they are in BTC.

The LBC account with neg review is waiting 2fa opening. Takes two weeks then will be removed.

Zonk. 0.41 is permanent.

I paid .45 early. Everyone just chill.

h3. 2016-10-11 05:56

He's aaaaaalways late on pop. Is just shitty at managing deadlines. Currently paid off again though.

avatar dsmillie 2016-10-11 06:07

I like to give away free money. It's because of poorly structured loans and high demand for coin. Working on the kinks... also h3 and I know / love / hate each other consistently.

avatar dsmillie 2016-10-21 02:13

Sorry for the one day delay on this weeks payment, I was away on a family issue and have sent a coin over to my account now.

GetLine 2016-10-22 20:41

Suggestion. If you deposit money, please don't withdraw it immediately and leave at least 24h for investors that are trying to adjust interest rate. By withdrawing just after deposit it's processed you are doing same as not depositing at all because outcome is exactly the same

tobixen - investments 2016-11-14 09:02

Thanks for the deposit

Zzypt 2016-11-21 23:07

Thank you, David!

avatar dsmillie 2016-11-21 23:17

Thanks all for your hospitality during my brief and exciting stay at getline. I wish you all the best in your future investments.

Unamatrix 001 Investings 2016-11-26 12:27

Good job on that massive payment back .

avatar Borgminer 2016-12-24 16:40

Dsmillie can you get your burnout above 30 days so i can lower and adjust my rate ?

avatar dsmillie 2016-12-28 05:19

Hi Jeff, thank you for your comment. I'm just back to work and will try and meet your request as promptly as possible. Thanks for touching base.

avatar Borgminer 2016-12-30 02:45

thanks i was able to lower interests now :)

avatar Borgminer 2017-02-15 22:41

lower your rates guys . he is only required to make 1 payment every 30 days . help keep his burnout above that . You as lenders also effect burnout .

avatar LoanShark 2017-02-16 14:10

0.22% daily is something I can accept. Who's next?

avatar dsmillie 2017-02-26 07:58

Thanks to Jeff for that comment.

Once we get modest price adjustment I'll be paying this off in full or at least the majority. So appreciate keeping rates reasonable. Otherwise if it's too expensive I'll just have to pay it off at the top of the market rate which isn't ideal. In the interim though. Enjoy it while it's hot.

avatar dsmillie 2017-02-26 08:04

Getline acting weird. My balance was jumping all over the place. Low confidence w/d's had to do like 5. Hope it's all reconciled properly.

avatar dsmillie 2017-02-27 07:35

I'm hoping for a BTC price decrease before paying this down, but members holding rates higher than 0.22% I will address within the week unless adjusted to a reasonable level. Thanks for cooperating. Make it a win win.

avatar dsmillie 2017-03-02 05:38

Just a heads up. I have significantly reduced my line. I was constantly being over charged for interest given my stellar repayment history I felt it was not really fair. I've left 4 coins and change on my line however my intention is to pay it off in full unless all lenders reduce their rates to my requested 0.08%. I'll give everyone a couple days to ensure they see this, but otherwise I will just pay it off as the coin is set aside to do so. Also, if everyone starts raising rates to squeeze a couple days more interest out of me I will just pay the line in full immediately. For me, and for my company any lending has to be a win win for both parties. Thanks all for your support.

Storkbett 2017-03-03 17:04

Hey, pretty new here. Maybe should have done my homework better, but I did put 0.2 BTC in your account to 0.50% interest. B.R, Storkbett

avatar dsmillie 2017-03-05 08:44

You're not, I'm paying this off in full. I was asked by some to not leaving completely but the rates haven't reflected my request so will pay this off on Monday.

avatar dsmillie 2017-03-05 20:09

Sent in another 3 coins. 2 owing now. Last change to come to reasonable terms or I can't work with getline. It's not prudent.

avatar dsmillie 2017-03-06 15:24

Okay, nobody really seems to want to go for the win win, so I'm paying this off in full. I'm setting my rate to 0.12 which is the highest I would possibly accept. If you guys want a solid borrower back adjust accordingly and I'll consider returning. Until then. All the best.

avatar LoanShark 2017-03-11 07:54

Look what you've done, David. You have made people entrust you with 2 bitcoin for no more than 0.42% a day. This is of course huge, but it is 100% elastic credit line, to be used at your sole convenience.

Congratulations, David. This is what GL was invented for I guess. Am I right, @Kacper?

Now just make sure that people get paid if you use the balance, i.e. do not repay before capitalization.

And as always - stay safe!

avatar Subodh Kumar 2017-06-18 12:54

Hi, I'm Getline user from India and I want to borrow 0.5 BTC to start my eCommerce project Please help me to get funded I have updated all my details over here.

Here is my profile: https://getline.in/u/1203

Thanks.

avatar clebson_naty@hotmail.com 2017-06-21 23:54

ola meu amigo eu estou precisando de 0,01 voce pode me ajudar

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Type Contents Created
Monthly income Hidden... 2016-05-19 08:43:46.037958
Phone number Hidden... 2016-05-19 08:43:56.519347
Full name Hidden... 2016-05-19 08:44:06.378535
BTCPop Hidden... 2016-07-27 03:54:53.029994
LBC Hidden... 2016-07-31 03:51:15.867167
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