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Post by Ton ⓉⓞⓃ on Jan 24, 2023 16:21:50 GMT
Any other platforms that need moving will take place shortly
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Post by Ton ⓉⓞⓃ on Jan 16, 2023 20:07:39 GMT
Ive just moved the post about FCA FOI to the DDC as it seems to me there must be a subjudice issue here
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Post by Ton ⓉⓞⓃ on Jan 8, 2023 19:02:26 GMT
Being that we're in a cease fire - no Russia won't want it reported - I think they released the story too early by mistake
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Post by Ton ⓉⓞⓃ on Jan 4, 2023 21:21:03 GMT
If you have yet to chose your own favorite Ukraine blogger here are the top 10
I watch Denys (Patreon subscription) and the Combat Vet (for free)
That's the top ten biggies, I watch several of them and others too
I also like this small brit
He speaks Russian, realist/cynical, seems to come from the Intel side that's my guess. All vids are an hours long and he interview someone
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Post by Ton ⓉⓞⓃ on Dec 28, 2022 15:51:06 GMT
not i n assetz. just wondering why they needed another seedrs fund raise when they have bagged £200m over the next 3 years.talking about heading towards IPO.
The raise I talk about at the start of this thread has happened and is closed, I think I put in £500
I think the total they've raised on Seedrs over the years is "Total raised £9,043,953" so I'd guess the £200m your talking about is stuff they are lending on behalf of some other entity. Do you have any more details?
The AC blog might refer to it, they get announced there
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Post by Ton ⓉⓞⓃ on Dec 7, 2022 20:29:15 GMT
I've missed it - who died?
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Post by Ton ⓉⓞⓃ on Dec 6, 2022 10:24:28 GMT
[snip] ..... Even if all goes well once interest rates start to rise and the AA rates are uncompetitive a lock in is inevitable. These accounts are a ticking timebomb.The FCA should either stop this type of lending or at the very least make the providers put a very large health warning stating what will happen if interest rates rise. It should say something like. Investors need to be aware that if interest rates rise more than a small amount there is a very high risk you will be unable to get your money back without loss or a considerable amount of time, if ever. Given the effects that high interest rates have on the economy there is a high risk you will lose a significant proportion of your investment.There should be a requirement to disclose the amount of funds required to finance future tranches, what this means to lenders and an appropriate health warning about investing in funds who have commited to these type of loans.
There is now a similar message but it's more general,
It's stuck at the top of every page
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Post by Ton ⓉⓞⓃ on Dec 6, 2022 10:18:30 GMT
Call me old fashioned but I just use a clothes horse. Bought it from a pound store twenty years ago and it's still going strong. And if need be you can always extract the latent heat energy in the wood by setting it on fire
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Post by Ton ⓉⓞⓃ on Dec 6, 2022 9:51:18 GMT
I had one back in the 80's. As I recall very cold liquid is pumped through coils at the back and this causes moisture in the air to condense and freeze on the outside of the coils. Then warm liquid gets pumped through the coils and the frozen condensate melts and drips into the collection bin. Got rid of it when I had double glazing and cavity wall insulation installed.
I'm far too lazy to mess around when drying cloths. I set the washer / dryer to iron dry (which doesn't take a lot longer than just wash), and when it comes out damp I hang it up in the living room for 30 minutes and it's dry.
Sounds better your way Was also going to mention mrs macq's Tit-bits tip of the week (for people of a certain age) about using the drying balls that you put in a tumble dry but even less sure of that science
Despite the name drying balls I think they are for towels I'm told they make them softer not drier
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Post by Ton ⓉⓞⓃ on Dec 4, 2022 12:39:10 GMT
I find this youtube channel informative about propaganda I think the lady is Russian
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Post by Ton ⓉⓞⓃ on Dec 1, 2022 15:36:40 GMT
Why not consider selling out now, no ones goes hungry by taking a profit. I may well do that in time, just as I did during the last lock-in. I currently have other bids in place at various discount rates. It's not possible to be a buyer and a seller at the same time, so I can't currently sell, which I think is reasonable.
I think you can do two different things (i.e. buying & selling) with ISA and non-ISA accounts
similarly
You can do different things between the QAA verses the 30DAA verses 90DAA
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Post by Ton ⓉⓞⓃ on Dec 1, 2022 15:09:43 GMT
With withdrawals anyone can check to see what rate they'll be offered then they can cancel and check again later, when you get an offer you like go for it
I've seen times when it's best to try to withdrawal small amounts and other times when it's best to go for a bigger lump sum withdrawal - it depends and how much money is trying to get into AC at the time
The rate you'll be offered will change pretty much from hour to hour and certainly from day to day. AC said, I think, that it's £1 in £1 out. I'm interesting in putting some money in but at the correct rate, but I'm not tempted yet, I don't think the rate is commensurate with the risks. The risks for me putting money in are how long will it be there (unknown), what will inflation and bank rates do in the mean time (unknown), will AC fold (go into Admin.)
Unfortunately there's no way of know how long a "non-normal market" will go on for - but I'd guess this could go on for most of the time we have high inflation; and most the time we have similar AA interest rates compared to bank interest rates - I don't see things changing for awhile yet - I'm guessing a year or 18months
Finally as I understand it you can just leave money on normal withdrawal and it will slowly bleed out with interest repayments and loan repayments overt time
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Post by Ton ⓉⓞⓃ on Nov 30, 2022 14:08:28 GMT
Also don't forget that AC introduced a fee, I guess to discourage Users from being in the queue for long periods etc when in Non-normal.
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Post by Ton ⓉⓞⓃ on Nov 29, 2022 21:29:55 GMT
A discount of 5.99% is currently being offered on the Access Accounts. That's akin to 1 year bond at 9% with a protection fund! OK, the term is very uncertain, could be shorter or longer, but I'm almost tempted.
Just now (21.48pm 29.11.22), I'm being offered the following
Follow-on from the above these are my subsequent "Buy In Offers"
Date | Value In
| deal %
| Buys
| Roughly 7.12.22
| £100 £1000
| 1.09 1.02
|
| 14.12.22 18.45pm
| £100 £1000
| 2.39 2.39
| £102.45 £1024.59
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Post by Ton ⓉⓞⓃ on Nov 28, 2022 21:47:51 GMT
QAA www.assetzcapital.co.uk/invest/our-accounts/quick-access-account/key-account-information30DAA www.assetzcapital.co.uk/invest/our-accounts/30-day-account/key-account-information90DAA www.assetzcapital.co.uk/invest/our-accounts/90-day-access-account/key-account-information £m & %
| QAA KAI
| 30DAA KAI
| 90DAA KAI
| dates 2021/22 2022
| 28Feb)30Apr)30Jun)31Aug)31Jan)28Feb) 28Feb)31Mar)31Oct)
| 28Feb)30Apr)30Jun)31Aug)31Jan)28Feb) 28Feb)31Mar)31Oct)
| 28Feb)30Apr)30Jun)31Aug)31Jan)28Feb) 28Feb)31Mar)31Oct)
| Value of investment outstanding 1
| 2021/22
Feb
| Apr
| Jun
| Aug
| Jan
| Feb
| 47.90
| 40.4
| 36.30
| 33.90
| 31.10
| 30.30
|
2022
| 2021/22 Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 55.1
| 47.5
| 42.10
| 39.80
| 38.50
| 37.50
|
| 2021/22
Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 57.5
| 51.4
| 43.20
| 41.40
| 40.30
| 46.20
|
2022
| Value of Provision Fund £m 2
| Feb
| Apr
| Jun
| Aug
| Jan
| Feb
| 0.45
| 0.5
| .73
| .62
| .95
| .87
|
2022
| 2021/22
Feb
| Apr
| Jun
| Aug
| Jan
| Feb
| .22
| .2
| .48
| .31
| .51
| .42
|
2022
| 2021/22
Feb
| Apr
| Jun
| Aug
| Jan
| Feb
| 0.17
| .05
| .46
| .24
| .42
| .34
|
2022
| Value of ring-fenced amounts held in addition to Provision Fund value 3
| 2021/22 Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 2.0
| 2.11
| 1.99
| 2.17
| 2.09
| 1.70
|
| 2021/22
Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 2.31
| 2.48
| 2.31
| 2.53
| 2.59
| 2.10
|
2022
| 2021/22
Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 2.41
| 2.69
| 2.38
| 2.65
| 2.71
| 2.20
|
2022
| Proportion of outstanding investments paid out of Provision Fund 4
| 2021/22 Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 0.2
| .24
| .27
| .29
| .31
| 1.65
|
| 2021/22
Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 0.28
| .33
| .37
| .39
| .41
| 1.75
|
2022
| 2021/22
Feb | Apr
| Jun
| Aug
| Jan
| Feb
| 0.07
| 0.08
| .10
| .10
| .10
| 1.22
|
2022
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New figures on AC site added to above, i.e. October's figures, these are the first figures following March's that I've seen on the AC site, they don't seem to have been updating them til now.
Do say if I've made any mistakes above. Thanks There's too many trailing zeros for the "Outstanding Value" row when it's 4sig fig, I'm guessing they're an error or meaningless. I may delete them Small print copied from AC site: 1=Notes: In line with the Regulations we have added back amounts paid to Lenders by the Provision Fund 2=Notes: In line with the Regulations this is stated after the deduction of any amounts ring-fenced to cover expected losses of loans subject to a Credit Event (as described on the Credit Risk page). 3=These ring-fenced amounts provide Provision Fund coverage for specific loans within the Access Accounts - please see our Provision Fund Policy for a full explanation of how this works. These ring-fenced amounts are not counted as part of the main Provision Fund as they are no longer available for use against loans which may default in the future. 4=Notes: This is the value of payments to Lenders from the Provision Fund which have been added back to the value of investments outstanding divided by the total value of investments including those payments.
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