carolus
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Post by carolus on Jun 4, 2019 9:20:52 GMT
The FCA has announced new rules covering P2P lending. Platforms have until 9/12/2019 to implement these changes, except for the final bullet point which is immediate.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Apr 20, 2019 14:59:42 GMT
EU election turnout's historically been lousy. 2014 - 35.6%, 2009 - 34.7%, 2004 - 38.5%, 1999 - 24.0% Wouldn't surprise me at all if this year was actually the highest ever, perhaps even reaching the hitherto-unknown heights of only 3 in 5 not being bothered...
All the rabid brexiteers will be out there making protest votes for the unelected eurocrats, while all the people with their head screwed on properly will be out there trying to get somebody who'll actually do the job and send the message that we quite like being friends with the neighbours.
I had a third of the electorate in my head, which doesn't seem too far from the last turnout but less than a quarter bothered to vote in 1999. I hope you're right but I'd even settle for 50% at this juncture... A comparatively high turnout would imply voters are treating the election as a pseudo-referendum I guess. Key thing is that turnout has been historically lousy, but with markedly more enthusiasm for europhobic parties. This time around, for the first time, there's a much higher profile and organised pro-eu movement. My expectation (hope) is that this will help rebalance the scales.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Apr 10, 2019 19:16:57 GMT
I noticed they took down the investment function for people interested in buying more shares of the UK diversified entity.. Not sure if that's a good thing because its fully funded or they took it down because there was little interest? If it's been taken down (where was it? I thought it was done by completing form via email), then I imagine it's in line with the information given in the last update. That is that the option to invest more at the discounted price will go away once the first tranche of funding is drawn down. If this is the case then I guess all the option 2 voters will be paid soon.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Apr 2, 2019 22:01:28 GMT
They'll make it legally binding in the extra time of the extension. No one, not a single person, trusts this government's words anymore. Mixing a few metaphors.... It does feel a little bit like it's gone to extra time and we're now in a penalty knockout, only neither side can score, partly because they don't know where the goal is. The crowd is getting restless. Whereas normally they'd be whistling at the ref to call time, now they're whistling at the players. Because they are useless. It wouldn't be so bad if the respective teams were more intent on the game, but no, they prefer showing off in front of the crowd, goalies included. "It's behind you", shouts one part of the crowd. "Oh no it's not" shouts the other section. Cue a sort of slightly embarrassed "but I'm in it till we win it" aural Mexican wave. No wall either, because them players. Meanwhile some get bored and just go off looking for a pie and a pint. EDIT: I'd pay good money for Kenneth Wolstenholme to pipe up sharpish. I'm reminded rather more of a different football metaphor, suggested by IFISAcava back in december EDIT: I see I'm not the only one who remembers it!
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Mar 31, 2019 20:01:17 GMT
'Independent' and 'Party' cancel each other out . What qualifies ANYONE to be an MP? So it's a good job that the proposed party name, "Change UK", doesn't include the word "independent" then.
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carolus
Member of DD Central
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Post by carolus on Mar 31, 2019 12:40:13 GMT
As for TIG - they're currently (publically) taking a pretty aggressive stance towards LDs e.g. repeatedly claiming they want to replace LDs, and expect to be the major party in any electoral agreement. Historically votes have attached to the party not the candidate, so it will be interesting to see how manyTIG's survive an election (personally, can't see it being a lot).
I guess the nightmare scenario would be (for instance) if Chuka's support was split with the next official Labour candidate and this let in a third party. Yes, I agree, although I'd be more worried about splitting votes with LD since I think they both have a similar target voter set. However, I think they're in a lot of trouble if a GE comes soon, which makes their seeming hubris towards LDs whose support they'll certainly need appear a little foolish. At the end of the day it's hard to see how more than a couple have any prospect at all of holding on.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Mar 31, 2019 12:07:04 GMT
I think it's worth remembering that during the 2017 election, the Greens and LDs had agreements in a few constituencies, whICH i hope continues. However, the Green party currently have a major problem in that they seemingly have no remotely plausible target seats at the moment. As for TIG - they're currently (publically) taking a pretty aggressive stance towards LDs e.g. repeatedly claiming they want to replace LDs, and expect to be the major party in any electoral agreement. This seems somewhat short sighted, since in any GE they are likely to be in serious trouble without, not just non-compete agreements with LD, but the active support of LDs and their activists etc. Good insight. The LDs have a lot of ground organisation in my constituency because they are competitive in local government elections. In most areas if you vote for any of these parties in a GE you might as well deposit your vote in the bin rather than the official box because current system makes your vote worthless. We will never know how many people in the UK actually have moderate political views in the UK as these voters mainly end up voting against a Labour or Conservative candidate they want to keep out of office rather than for the person they think would be their best representative. I think this is one reason why the upcoming European elections (assuming as I expect, they happen in UK) could be very interesting. Since they're run on PR, there's much more of a chance for significant demonstration of support. Even more so if LD+Green+TIG could sort out running a single joint list this time.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Mar 31, 2019 8:17:44 GMT
For what it's worth, I think Change UK a really sad, unimaginative name. I also think there is not the political space for this party, the Lib Dems and the Greens to contest the tiny centre ground in an unrepresentative electoral system curated and jealously guarded by the two megaliths, Labour and Conservative. Because the Green Party programme is the only one that starts to look honestly at the issue that will dominate the rest of the 21st Century, my view is that the other two should wind themselves into that. I think it's worth remembering that during the 2017 election, the Greens and LDs had agreements in a few constituencies, whICH i hope continues. However, the Green party currently have a major problem in that they seemingly have no remotely plausible target seats at the moment. As for TIG - they're currently (publically) taking a pretty aggressive stance towards LDs e.g. repeatedly claiming they want to replace LDs, and expect to be the major party in any electoral agreement. This seems somewhat short sighted, since in any GE they are likely to be in serious trouble without, not just non-compete agreements with LD, but the active support of LDs and their activists etc.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 28, 2019 15:53:31 GMT
Sorry, I might be confused, but could you tell me what it is that makes you think this is a loan? As far as I'm aware this, as all other uown properties, are equity based.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 26, 2019 21:45:33 GMT
Hi guys. Fellow investor here. Starting to get seriously worried. Not receiving emails properly from the company, not getting any straight answers. Being begged to stay invested. Does anyone know with any clarity when those of us who opted to sell up and cash in are likely to see any of our money back? Which emails have you not received? The recent reinvestment email was only sent to people who had opted in to being emailed about the opportunity. Fwiw I've had fairly quick (1-2 day) responses from UKDP each time I've emailed them.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 24, 2019 15:33:35 GMT
In the name of scientific enquiry towards our resident brexit enthusiasts: Is there any possible information, or source, or evidence that would result in you changing your mind about the merits of leaving the EU?
No. So there is no point at which the costs of leaving would outweigh your perceived benefits below? Does this mean you viewed Cameron's opt-out of "ever closer union" as insufficient?
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 24, 2019 15:27:06 GMT
In the name of scientific enquiry towards our resident brexit enthusiasts:
Is there any possible information, or source, or evidence that would result in you changing your mind about the merits of leaving the EU?
Science would also seek to see if the opposite was true. Of course, an entirely fair question. Had the whole thing been approached in a sensible fashion, building a consensus on the destination and the plan for getting there supported by genuine evidence that this would result in a better and more prosperous future for out country, then I could have been persuaded.
However, this is not at all what we've seen. Instead we've had a government rushing headlong into triggering article 50, laying down impossible redlines and then wasting what little negotiating time remained bickering within their own party. We now face the prospect of a no-deal Brexit, the champions of which appear to be willing to say or do anything to get it, despite they themselves having their escape routes set up, whether that be through wealth or simply jumping ship from the country entirely, ensuring that it isn't they who will face economic difficulties or loss of freedoms. Meanwhile, the slightest suggestion that there could be an issue appears to be shouted down with combinations of populist rhetoric and insults (Remoaners, Saboteurs, Traitors et al.).
As it is, I despair. I could have been persuaded, there could have been an attempt to build unity on the issue. Instead there's simply been a doubling down on the rhetoric and divisions, and I would go so far as to say that no-one has had the slightest interest in bringing those who voted Remain on board, beyond "Will of the people" and the like. So yes, I was open to being persuaded. Nothing has persuaded me yet, however, and no-one has made any meaningful attempt to. From where I'm standing we're heading towards disaster.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 24, 2019 14:52:25 GMT
In the name of scientific enquiry towards our resident brexit enthusiasts:
Is there any possible information, or source, or evidence that would result in you changing your mind about the merits of leaving the EU?
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 23, 2019 15:54:40 GMT
I just logged into the platform and noticed a message about a new signup/referral bonus. The new signup offer appears to be invest £2000 for a year and get a £200 bonus, with the signup period running until June 30. This seems not to require a referral link, but if one is used then the referrer also gets a £200 bonus (t&cs).
Nice to see more generous bonuses from them, but the constant stream of incentives does suggest they're still rather keen to get more funds in.
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carolus
Member of DD Central
Posts: 204
Likes: 191
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Post by carolus on Jan 21, 2019 23:52:58 GMT
Email has now come round with the opportunity to purchase extra shares.
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