Hello all...

I am relatively new here and new to Bitcoin in general.  However, I've tried the exchange rate trading, margin trading, and now I'm completely intrigued at the lending aspect provided by Bitfinex.  I'm curious to know any best practices for keeping ones funds out there being used (i.e. best terms, rates, & amount combinations you've had success with).  

Unfortunately for me, when I started lending it seems quite easy to keep my money in play at 1200% and so, watching the VIR drop to a "mere" 100% seems a little depressing, however, in the real world be completely acceptable.  I'm curious to know historically was is norm for the VIR or rate you base any of your projections on?

And then, what are you using for trying to keep tracking of your loans?  I'm finding it a challenge because I don't know exactly when it was taken and closed.  And this becomes especially difficult when loans are opened and closed quickly.

Lastly, thanks for taking the time to read this (and hopefully answer).  I'm sure some of these things are relatively newbie, however, for now this is the first place I've found to attempt getting the detailed answer I'm looking for.

Thanks...

J.