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Post by wiseclerk on Sept 6, 2023 20:59:14 GMT
Hi,
for many platforms I have average interest rates (for newly issued loans in that month), so I have trends in which direction interest rates are moving (for each platform). Why do you think absolute amounts of interest paid would be useful? You can't put them into relation to the new loan volumes for obvious reasons.
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Post by wiseclerk on Sept 5, 2023 6:15:29 GMT
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Post by wiseclerk on Aug 11, 2023 13:31:58 GMT
Okay, I misunderstood that.
While public health care is generally good in my opinion (at least compared to what I heard from other countries), we are facing the same trends that make the future a little challenging (mostly demographic development as the work force pays by its contribution and understaffed stations in hospitals. Also exploding costs). And there are exceptions to the generally well functioning system. My wife has been trying for months to get an appointment with an opthalmologist. Problem is as she found out most went private. And the few that are still serving public patients are saying they don`t take new patients as they seem to get overrun.
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Post by wiseclerk on Aug 10, 2023 11:56:30 GMT
I've heard good things about German care. Why can't we model our system on one of theirs ? Is it because we are too embarrassed to say there might just be something wrong with our own NHS ? You might want to doublecheck this against recent news and reviews to make sure what you heard is up to date. From inside Germany, I can tell you the situation looks like this: The care system is strained, lacks employees and costs have exploded in recent years. Self payment part in a care home is around 2000-3000 Euro/month, which is more than the majority of elderly can afford. Consequently a recent report says that around 60% of those living in care homes have to apply for aid by the social welfare office, which then covers any deficits. However that is after they place charges on any owned property to make sure they can try to recover some of the costs later.
I am not optimistic on the future for the German "system". It lacks any sound plan for reform. With the demographic development the care system might become financially and in terms of caretkers/elderly extremly strained that it might not function adaequatly.
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Post by wiseclerk on Aug 2, 2023 14:49:08 GMT
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Post by wiseclerk on Jul 29, 2023 13:59:02 GMT
I have invested a small amount. Well, it is not really an "investment" but kind of an ticket out of interest to keep me updated. The discussions (on the pitch) have been really informative.
And they got the planning permission last week, which was a potential roadblock (though they were confident on this).
The main point where I have doubts is why the refiniery should be located in the UK, where there are high labor cost, high land cost and probably higher energy costs rather then close to the supply of the raw material. But this has been discussed at length in the picth discussion so I won't repeat it here.
From an investment perspective I don't think the pitch is really that interesting as it is very long term and lacks the potential to scale very fast, which is usually the appeal of the finance/software/SAAS pitches I mainly invest into at Seedrs.
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Post by wiseclerk on Jul 4, 2023 14:53:02 GMT
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Post by wiseclerk on Jun 5, 2023 12:18:08 GMT
I haven't asked them specifically that question. But they are passporting their license to various countries (already France, soon Germany) which allows them active direct marketing. You could email investor support.
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Post by wiseclerk on Jun 5, 2023 9:37:39 GMT
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Post by wiseclerk on May 21, 2023 8:05:03 GMT
Why not go and live in Dubai? Because it is HOT
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Post by wiseclerk on May 20, 2023 15:28:39 GMT
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Post by wiseclerk on May 19, 2023 21:07:21 GMT
No advice, but ...
Are you just relocating or will you actually live there?
I mean I have been in Gibraltar, Andorra, Malta, Portugal, Monaco, Luxembourg & Switzerland. None of the other places.
I could not see myself living in Gibraltar; Monaco or Andorra. Malta also you would be rather confined in your movement unless you take the plane every time. So off this list probably Portugal?
If it is about tax, crime and sunshine what about Cyprus?
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Post by wiseclerk on May 10, 2023 15:20:14 GMT
The problem is mostly in the UK. I am investing in p2p since 2007 and since 2012 I had double digit returns every year. But I have >98% in EU platforms. I had a bit in Assetz, Ablrate, Bondmason & Moneything and all here in the forum know how that played out in the end (or at least in the recent years). The UK only one where I might invest more is Axiafunder.
That is not to say there is no risk in EU platforms. There is high risk too and many EU platforms failed past 2019, but the risk reward ratio is still intact in my view.
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Post by wiseclerk on May 3, 2023 11:24:02 GMT
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Post by wiseclerk on Apr 4, 2023 12:21:41 GMT
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