starfished
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Post by starfished on Jun 3, 2022 15:31:56 GMT
Best month ever. A single bond won £500. Initially thought it was jubilee related but apparently not.
It was a new bond hat I had bought in April rather than any of the ones I have had a while, which is perhaps encouraging me to buy into the recycling myth.
So I am not allowed to complain if I don't win again for the next year...
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starfished
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Post by starfished on Apr 9, 2022 21:26:18 GMT
Thanks for this. I think, for me, the two element in bold gets in many ways to the heart of the matter. 1) To state the obvious, if we had unlimited resources we wouldn't be having many of the debates in this area I think. (We would have the funding for multiple configurations of safe spaces, prisons, etc). However, because we have limited resources we then get into this ugly fight around which disadvantaged group "deserves"/"needs" some of those limited resources more. 2) Biological/cis women from a very young age we are taught to fear for our physical safety from men. A lot of debate in this area does feed into that fear which while a real risk I don't think is entirely healthy (I am fine in unisex swimming pool changing areas, my mother is terrified of them). The thing is while a lot of horrific violent crime happen to women by, mostly, men; Cis men suffer significantly higher levels of violent crime from other Cis men. Which we as a society largely ignore and do very little about. I can't help but think our tolerance of the level of violence meted out to Trans people is related to that wider indifference. Again if we dealt with that, I think there would be a much wider societal benefit for many groups. No real answers just observations. I wrote a long response to this, but thought it might be interesting to run it past Emily (formerly xxxx), the author of the post on Reddit that I linked to. Her comments / responses are in blue, below. Note, I've not actually shown her the entirety of this thread so she has no context beyond what I've said about it. [snip]
What everyone needs, regardless of sex or gender is these facilities where they can be safe. The answer is not to fight over the limited facilities there are available, but to argue and push for greater education and understanding so that we can expand on these facilities and provide environments that are suitable for everyone.
Australia has made a start with this in this one area. Let’s hope they can continue. I suspect that the risk of a trans woman being assaulted in a male toilet are far, far higher than the risk of a trans woman assaulting a child or woman in a female toilet. Trans people are over 4 times more likely than cis people to be victims of violent crime (https://williamsinstitute.law.ucla.edu/press/ncvs-trans-press-release/)
[snip]
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starfished
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Post by starfished on Apr 9, 2022 10:34:34 GMT
Thanks. Found the insight really interesting. I don't personally know any adult trans people but within my social circle know indirectly several young (under 20) trans people. Many difficult issues to navigate. I must admit I did struggle with the conflating of someone who disagrees with you as evil (ie the implied reference to JK Rowling)
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starfished
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Post by starfished on Feb 4, 2022 21:31:56 GMT
Has anyone found a clever way to get data from CL? It seems to be the only P2P that doesn't have a download feature. The number of loans I am involved in has reached a level where the process of transferring to my spreadsheets is getting tedious...
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starfished
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Post by starfished on Jan 20, 2022 21:45:47 GMT
I was about to kick off and say I received no loan allocation despite an increasing cash balance! But then realised I have standard/business set to nil (gold se to £150). I do wish they would separate out standard from business loans as I feel differently between those two types.
I am trying to maintain a 40% Gold to 60% Other loans/late ratio. It is proving difficult...
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starfished
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Post by starfished on Jan 6, 2022 0:49:51 GMT
Well of course it was a requirement of the tournament (and state of Victoria and of Australian immigration) that you demonstrated proof of vaccination or were valid for exemption from vaccination on medical grounds. He was granted medical exemption by independent panel, but it seems still contingent on him showing evidence of the grounds on which he claimed it. In addition, it appears that the visa that he had got to get access to the country wasnt' of a type that allowed entry under medical exemption from vaccination. Mr Djokovic is the No.1 male tennis player in the world; multiple winner of the Aus Open; is renowned for refusing to put on record his vaccine status (and for his prior anti vax comments etc etc); that vaccination or expemption has been a known requirement for the Aus open for months; he will have a significant size team around him, and entry to the country given the above will have been a matter of some considerable negotiation between himself, his team, the tournament organisers, the state of Victoria and the Aus federal govt for some considerable time (and why speculation has been all over the press for weeks). Under the circumstances, I'd say the idea that things would be rather out of the hands or indeed knowledge of the airline/charter (and for all we know it might have been a private flight ). He isn't some bog standard Croation that rocks up at an airport, shows his papers, and hops on a plane to Aus assuming that Qantas can figure it out for him and not let him board if he doesn't have the right paperwork. I think we can assume that it was meant to be sorted between 'his team' and 'the Aus team', but its gone pear shaped. I really don't think he would have got on that plane unless someone in Australia said it "would be fine". While I am personally comfortable about Novak being put in his place, after the French submarine saga, it does also paint a picture of Australian deal brokering style which is perhaps not helpful for them in the longer term.
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starfished
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Post by starfished on Nov 10, 2021 14:54:04 GMT
It may be impacting others but I don't think I received a notification of launch for 172...
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starfished
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Post by starfished on Nov 8, 2021 11:18:21 GMT
The police also didn't believe the girls that complained and didn't seem to care that much because of 'the sort of girls' that were being targeted. Pretty poor all round. most of the girls targeted were from poor white families. had it been the races that were reversed the Police etc would not be able to act quick enough The police did nothing because they were poor white girls. If they had been middle class the response would have been different. But if you are truly suggesting that the police would have cared if they were brown/black girls being targeted you really need to educate yourself better. Their indifference would have been the same, as recent case where they ignored scores of men being attacked until they were more middle class men. The police are "scared of the race card" when it suits them to be "scared of the race card". You can focus on the race card or you can focus on getting the police to be better for us ALL irrespective of class/race.
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starfished
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Post by starfished on Oct 13, 2021 17:24:07 GMT
In my opinion, FCA should take on this Role of going to the market (as they did with Collateral) - after all they are the ones who failed to ensure a Proper Winddown Plan (despite their assurances).
If memory serves didn't the administrators increase their expected fee costs once they were appointed? Even if the cost didn't drift upwards later, what you are effectively arguing for is restarting the whole process with a new team of people. I can't see how that would save anything in the long term given where things are...
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starfished
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Post by starfished on Oct 8, 2021 17:59:11 GMT
It doesn’t really matter how well planned or funded the wind down plan is, legal action taken by borrowers, lenders, creditors or directors against the platform will blow it out of the water every time. Therein lies the inherent problem with all P2P. Is there any solution though? I don't think it is P2P specific (albeit it has emerged as a strong theme recently), see the payday company closures. There is a reason why regulators tend to force stronger banks to take over failing banks/books rather than run them down in isolation. While most will have "contingency" plans many of those will not survive contact with real life...
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starfished
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Post by starfished on Oct 8, 2021 17:55:03 GMT
[Snip] ... but I am sure we would do a better job than the administrators. Not sure I agree with this!
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starfished
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Post by starfished on Sept 1, 2021 17:19:30 GMT
Hi Connective Lending, when reviewing the active loans, I see the LTV is displayed, but only the highest LTV, which is for tranche C. Going forwards, could you also show the LTV for tranches A, B & C - maybe in the Particulars section, or the summary table where it shows which tranche I'm invested in? Thanks. Also, If you sort the table of active loans, by 'Completion Date' it lists in order of the day, not the total date. connectivelendingWhile we are putting in requests, could you make "Active loans" a downloadable file please. Thanks
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starfished
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Post by starfished on Aug 24, 2021 20:39:53 GMT
My sense was also that millennials drank less (exercised a lot more) and I am personally more more aware of younger teetotallers than older ones but conscious that is far from conclusive. I was curious so dug around a bit and found this interesting: Drinkers aged 65+ years drink more frequently than any other group but young people drink more units on a single occasion. In 2017, people aged 65 and over in Great Britain were more likely than any other age group to have drunk alcohol on 5 or more days in the previous week (21% of men and 13% of women) compared to 1% of men and 2% women aged 16 to 24.www.drinkaware.co.uk/research/research-and-evaluation-reports/alcohol-consumption-uk Put simply people over 65 are less likely to have to go to work/study the following day than 18 to 24 year olds, so like my parents enjoy a bottle of wine between them over dinner most nights. 16 and 17 years olds shouldn't be drinking at all so that definitely sways the statistics and makes the statement irrelevant 18 to 24 years probably drink 1/2 nights at the weekend but consume a lot more units, as previously mentioned, than the likes of my parents do. I can't speak for this current generation but I was certainly drinking at 17... Anyway some more additional data points to increasing with age. www.statista.com/statistics/369808/alcohol-units-consumed-by-gender-and-age-in-england/
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starfished
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Post by starfished on Aug 24, 2021 12:49:09 GMT
My sense was also that millennials drank less (exercised a lot more) and I am personally more more aware of younger teetotallers than older ones but conscious that is far from conclusive. I was curious so dug around a bit and found this interesting: Drinkers aged 65+ years drink more frequently than any other group but young people drink more units on a single occasion. In 2017, people aged 65 and over in Great Britain were more likely than any other age group to have drunk alcohol on 5 or more days in the previous week (21% of men and 13% of women) compared to 1% of men and 2% women aged 16 to 24.www.drinkaware.co.uk/research/research-and-evaluation-reports/alcohol-consumption-uk
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starfished
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Post by starfished on Aug 11, 2021 13:54:04 GMT
Fascinating. Thanks. Iceland (partly due to its size) scaled up testing very quickly last year. I had a holiday there last summer and my airport administered test arrived in under 6 hrs. I don't think it is entirely fair to compare UK excess deaths now with Sweden, in pre-Covid life Sweden already had higher life expectancy/wealthier country etc so comparing Britain to Sweden now would inevitably make us look "bad".
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