NSFW
Posts: 118
Likes: 58
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Post by NSFW on Aug 14, 2016 2:16:03 GMT
The way Mo kicks near the end is incredible and looks unreal. He was just looking around to know exactly when to start kicking I think. Oh and he fell over but still won! Fab.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Aug 1, 2016 1:54:09 GMT
SS did suggest that they were going to change the SM so that you would receive interest while your loan part was on the SM, but it received a lot of negative feedback from investors, so it is believed that the idea was scrapped. Why would investors react negatively to earning interest? The loan part is ours until sold after all. Although, I understand at one point a sale couldn't be cancelled. I was surprised to see negative reactions to that idea too. Some people are damn weird.
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NSFW
Posts: 118
Likes: 58
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Lendy (L) in Administration
Interest & tax
Jul 31, 2016 23:19:16 GMT
via mobile
Post by NSFW on Jul 31, 2016 23:19:16 GMT
By the time I'm earning enough interest to owe tax on it hopefully the IFISA will be available.
If you're PAYE you can just tell HMRC how much you earned above the allowance and then supply any evidence they ask for.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jul 18, 2016 16:14:21 GMT
Hyphen missing there. Looks like it will be a few years before anything major happens at Rydale in regards to fracking.
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NSFW
Posts: 118
Likes: 58
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Lendy (L) in Administration
ID required?
Jul 2, 2016 3:33:15 GMT
via mobile
Post by NSFW on Jul 2, 2016 3:33:15 GMT
I have not been asked to send in any ID stuff and I wasn't when I joined up a few years ago. I'd like to know what sort of people have to send in ID. Is that for people who live abroad or who aren't British or for company accounts or something? I also thought of the security problem in putting on your website that if you are asked to send in your documents it is genuine. The sort of people are people like me - no mortgage since 1993, last purchase on credit in mid '70s, never had a credit card in my life. In other words no credit = no credit rating. I nearly always have to send in ID. I've got a couple of credit cards and I'm on the electoral roll etc but still been asked to send docs. Don't really understand it as banks and credit card companies never do this for me when opening accounts online as Experian/Equifax are checked instead. Obviously it's a different story when opening accounts on the high street in person. I'm guessing P2P companies are being overly cautious.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 27, 2016 14:33:08 GMT
I very much doubt we'll leave the EU. Article 50 will be put off and just not happen. Boris or whoever will be able to justify ignoring the referendum result for economic reasons and preserving unity within the UK.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 27, 2016 14:15:51 GMT
Well it was nice and easy to get reinvested anyway.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 26, 2016 21:13:14 GMT
Yes that is quite right, but....... if you cancel the sell, I believe interest that was lost is regained. That is exactly what happened when I cancelled a loan part sale. Yes, as the start date is the same as it was before being put up for sale even though the part is now split off from the original chunk it may have come from.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 25, 2016 16:22:51 GMT
Agreed. Leaving the EU and yet retaining free movement of people is a non starter. How is that getting back control? The whole concept, unlike free movement of goods and services, was ill-conceived from the start and was never going to work whilst nation states continue to exist. Meanwhile, the only other option to free movement is the requirement to get a visa to do anything more than visit another country as a tourist or on a short business trip. Want to retire to France or Spain? Visa. Want to study in Germany? Visa. Want to hire somebody Dutch? Read that as "hit" instead of "hire". Still valid either way.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 22, 2016 23:50:58 GMT
Hasn't worked out too badly for me as I've been able to sell parts of existing loans and end up with equal amounts in each loan, plus invested in new ones and older ones that used to disappear or not appear on the SM at all. Just waiting on 3 parts to sell now and I'm sorted.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 22, 2016 0:03:59 GMT
This is as much a liquidity issue as the current situation. I also doubt people will be able to offload their PBL020 parts at face value even without Brexit. Why would anyone expect to offload a loan which is in default? Surely only a retard would buy a defaulted loan, nothing to do with liquidity.... PBL020 went from about 75k available to 2k or just under the day it defaulted.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 21, 2016 19:07:46 GMT
It will get messy. Do you want to invite hyenas like these at FC and fight them over every good loan? Separate loan parts of varying amounts and varying premiums/discounts would literally be messy too.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 20, 2016 16:05:44 GMT
What is wrong with the bl**dy Luton loan? Low LTV, could be bought and let out, with a good yield. Then there is the industrial estate! Have you been to recently? Think you a word.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 20, 2016 15:43:58 GMT
Had an email from SS in which they acknowledge the tile view pre-funding bug and state they plan to fix it this week.
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NSFW
Posts: 118
Likes: 58
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Post by NSFW on Jun 20, 2016 15:37:04 GMT
The page auto-refresh disappeared at the same time Saving Stream (allegedly) upgraded their servers. The words they used were "technical improvements" - it now looks likely that this didn't mean upgrading the servers, but reducing the load by turning off the auto-update functionality... Pretty sure they mucked something up too as tile view in the pipeline page doesn't show how much you're pre-funding in each loan. List view is fine. Edit: SS know about the issue and plan to fix it this week.
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