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Post by crazyhorse on Mar 21, 2017 19:20:58 GMT
OK and if I prefer to sleep :-), would the AutoInvest help? Is it safe or is it better to do all the investments manually? What do you prefer? Thanks again! Solator Well my AutoInvest catched loans on 10th, then on 15th and now again today, so it means once every five days or so. For me it is not OK because some of the funds still sit idle ...
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Post by Deleted on Mar 21, 2017 20:14:14 GMT
Autoinvest works. But only issue is it may not pick up anything for day(s). I slept early yesterday and didn't manage to pick anything up at all.
I'll say keep an eye out on what's available.
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Post by Deleted on Mar 21, 2017 23:24:19 GMT
Between 23:20 and 23:22 (UK time) twino released loans that populated at least 16 pages
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Post by solator on Mar 22, 2017 7:26:41 GMT
Yes, today there were many loans but I was surprised that my "autoinvest" did not do anything. But I could invest all of my money manually, so I am glad.
Solator
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,317
Likes: 893
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Post by JamesFrance on Mar 22, 2017 8:05:30 GMT
To me the attraction of Twino was that you could just leave it to reinvest automatically and new deposits would be invested within hours. Simple and easy.
To create a system which makes auto invest useless and force investors to work during the night is ridiculous. This is going the same way as Bondora.
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Post by pogopatterson on Mar 22, 2017 9:01:13 GMT
Yes, I echo the sentiments above. Twino has served me well and has attracted sufficient investors to render the autoinvest virtually useless. In truth, it was to be expected. Twino autoinvest took care of business, these days it is only functional if one trawls through manual. Next! i is based in Asia so the loan release times ain't no thang.
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Post by southseacompany on Mar 22, 2017 9:03:16 GMT
It seems to me that constant manual investing doesn't make sense if you account for the value of your time. If you calculate the extra interest you can get should you manage to pick up some attractive loans and compare it to the time you need to spend refreshing the Twino homepage, surely you are not making minimum wage on your time investment. I'm not sure you're even making Bangladeshi minimum wage. Add to this the possibility of having to stay up late or set an alarm clock for the purpose of catching loans and the whole concept starts to verge on the absurd.
Of course I have no business telling anyone how to spend their time. But this kind of stuff is definitely not for me.
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kulerucket
Member of DD Central
Posts: 336
Likes: 93
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Post by kulerucket on Mar 22, 2017 19:52:07 GMT
It seems to me that constant manual investing doesn't make sense if you account for the value of your time. If you calculate the extra interest you can get should you manage to pick up some attractive loans and compare it to the time you need to spend refreshing the Twino homepage, surely you are not making minimum wage on your time investment. I'm not sure you're even making Bangladeshi minimum wage. Add to this the possibility of having to stay up late or set an alarm clock for the purpose of catching loans and the whole concept starts to verge on the absurd. Of course I have no business telling anyone how to spend their time. But this kind of stuff is definitely not for me. True, but you are not accounting for the thrill of catching that 14% Russian loan that someone decided to sell just because it's delayed, even if in reality it only gains you a few extra cents. I certainly wouldn't wake up especially for it but if I'm there anyway I'll fish for a few minutes to see if I can catch something. It's much easier to just transfer to another platform though.
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Post by nesako on Mar 31, 2017 13:54:39 GMT
Today seems like Twino gave us a sort of payday shower of loans! 9000 PG protected loans posted around mid-day, most @ 12% as well. Still 7900 loans available at a time of writing this
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Post by Deleted on Apr 15, 2017 6:59:42 GMT
Anyone got anything invested this week? My auto invest didn't pick a penny of loans in BB or PG above 11% and I've about 15% of my funds, just sitting and enjoying Easter holidays.
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,317
Likes: 893
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Post by JamesFrance on Apr 15, 2017 7:31:44 GMT
Yes some 12% 12 month PG this week and a small experiment showed that you would need to drop to 10% for one month loans with BB, so not attractive.
Presumably as more people become lenders they will keep lowering rates as long as they can attract as much as they need to borrow.
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Post by epolitic on Apr 21, 2017 7:13:53 GMT
For almost 2 weeks I had only small investments from auto invest and money just hanging around, Today for some reason almost everything was invested.
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Rob
Posts: 138
Likes: 36
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Post by Rob on Apr 22, 2017 6:17:26 GMT
For almost 2 weeks I had only small investments from auto invest and money just hanging around, Today for some reason almost everything was invested. But at what interest rate?!! 10% seems to be the maximum for PG loans now. Can get higher rates elsewhere.
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Post by epolitic on Apr 24, 2017 8:21:47 GMT
For almost 2 weeks I had only small investments from auto invest and money just hanging around, Today for some reason almost everything was invested. But at what interest rate?!! 10% seems to be the maximum for PG loans now. Can get higher rates elsewhere. That's true, most of them are 10%, some are 11%. My annual xirr has dropped from 12.7 to 12.2. As most of my investments are in Twino, I Hope to see better rates in the next few weeks, or I will change the platform..
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Post by gmaxkenny on Apr 26, 2017 11:54:23 GMT
16 pages of 12% PG loans and my auto invest picked up nothing I had to invest manually. If you are listening Twino I am withdrawing my money ( €930 yesterday) and will continue to do so until you become more investor friendly. Auto invest should have priority over manual investing and I dont have time to continually monitor your site to see when loans are posted.
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