|
Post by red_panda on Oct 22, 2015 17:21:58 GMT
Twino is my "other" selection.
|
|
|
Post by red_panda on Oct 21, 2015 16:49:39 GMT
Interesting that the Georgia loans are for one month like the ones on Mintos, but with a higher rate. They can be used with auto invest presumably which is better, however I am not too interested in such a short term loan without a higher rate as there is more to keep up with if you like to see what you are investing in. ...but it's not like Twino offers much information on the borrower that you can base your dd on.
|
|
|
Post by red_panda on Oct 9, 2015 11:56:53 GMT
"The pre-funding amount that you choose, is the maximum that will automatically be invested for you."
Is the amount taken only from available funds or will it take up to the maximum and generate a BACS if there are not enough available funds?
|
|
|
Post by red_panda on Oct 9, 2015 11:08:16 GMT
Wait what? How can the affiliate reward be abused? Not sure I understand.
Also, if I have to nudge, how do I know when to nudge? I shared the affiliate link with couple of my friends, but I feel it would be too annoying from me if I go around asking them if they have signed up already and how much they have invested.
It does say afterall "Option 1) If you have a website or blog you can advertise using the following personalised link: "
How does a website owner know when to nudge SS?
|
|
|
Post by red_panda on Oct 8, 2015 16:28:03 GMT
First suggestion, a simple usability thing. On Auto Investments, button Activate should say "Deactivate" if the portfolio is already active. I see it says Stop now, has it been changed? Wow, that was fast. Yep, they must have just changed it.
|
|
|
Post by red_panda on Oct 6, 2015 12:49:30 GMT
The split is largely affected by the fact that most posters on this forum are predominantly British, hence the British platforms dominating. Not downplaying the split in anyway though, some of those British platforms are highly attractive also for Euro investors.
|
|
|
Post by red_panda on Oct 6, 2015 11:02:05 GMT
What the title says. How does that happen? One of my portfolios is at 185%. May have been something I did, but absolutely not sure.
|
|
|
Post by red_panda on Oct 6, 2015 11:00:12 GMT
Suggestion: Have an ability to see what loans are part of a specific auto-investment portfolio. Currently I can only take a guess. Either add a column to the My Investments tab or give an option to browse the loans through the specific portfolio in Auto-investments.
|
|
|
Post by red_panda on Oct 6, 2015 10:59:07 GMT
First suggestion, a simple usability thing. On Auto Investments, button Activate should say "Deactivate" if the portfolio is already active.
|
|
|
Post by red_panda on Oct 6, 2015 10:58:27 GMT
Creating a thread for suggestions, feel free to chip in.
|
|
|
Post by red_panda on Oct 1, 2015 8:11:29 GMT
Just about everything on the SM is being sold at a premium, pretty much nothing at a discount. Even the overdue loans.
I do not see a filter for premium/discount or secondary market in the auto-invest.
|
|
|
Lendy (L) in Administration
Cashback
Sept 28, 2015 16:40:26 GMT
Post by red_panda on Sept 28, 2015 16:40:26 GMT
suddenly a majority of the loans are available on the secondary market , so much green
|
|
|
Post by red_panda on Sept 28, 2015 13:17:25 GMT
Thanks, fair enough. Due diligence can only be a good thing.
Mintos, asset secured, buy backs, FCA. Twino, buy backs, bragging about liquidity in short term, very short term loans, decent history of their parent company.
Good enough by both for me to chip in small chunks for now either way. Will keep an eye out anyway...
|
|
|
Post by red_panda on Sept 27, 2015 17:23:05 GMT
I'm in Euros because I live in euroland. I'm not so convinced about Twino and Mintos, how financially sound they are, their management, and their borrowers guarantees. I've got some questions running with Twino so far unanswered, with not great answers a while ago from Mintos. I wasn't that convinced by Bondora either (management), but I went ahead and now find myself with around 3K€ of bad debts. Saving stream will soon have a proper p2p arrangement on their loans (so we are better protected if SS go bust), but to date they don't. 10-15% must have risks attached. What specifically scared you away from Twino and Mintos if you can elaborate? I was never convinced by Bondora, just having asset secured loans in Mintos makes me feel there is less of a chance of bad debts. I'm really liking the business loans there with company financial history for the past 3 years. Seeing the company's revenue, profit and overall financial state gives me some comfort. On the other hand, Twino with its small loans (petty money) and buy backs makes me less afraid of loans going bad. Of course Mintos and Twino themselves can go bust, but that's a risk I'm willing to take given I believe the platforms for now.
|
|
|
Post by red_panda on Sept 26, 2015 23:04:12 GMT
I started just this month 30% Saving Stream 30% Mintos 30% Twino
Preferring Euro based platforms over the pound, with Saving Stream being my only option for the latter. Any recommendations on other Euro platforms with 10-15%paa / asset secured or buyback?
|
|