twoheads
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Post by twoheads on Jan 3, 2017 22:22:05 GMT
Well, you never know. You heard about tax havens. What better than having a tax haven in heaven. Hmmm...
Suspending my atheism for a moment: I suppose that heaven and tax should be mutually exclusive. Presumably, an afterlife with tax would be hell?
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twoheads
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Post by twoheads on Jan 3, 2017 19:11:53 GMT
In this day and age of interstellar travel, a week varies depending on where you are in space. And more importantly, your velocity relative to the SS HQ which is presumably on Earth.
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twoheads
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Post by twoheads on Jan 3, 2017 8:46:04 GMT
mikes1531,
I have a similar issue when viewing my transactions on the website. The pages do not match up and the information is out of sequence. All my interest payments are out of sequence if I view my transactions online using the website.
This is the first time I have noticed this problem because I simply do not use the online view. Instead I always set the date range to encompass my entire transaction history and download the whole lot to excel. The downloaded version, when opened in Excel, does not seem to have any issues that I have seen. It has always (for me at least) been consistent with my loan parts.
In the downloaded version, there is only one 'page' and the sequence of transactions is, for me, always correct. My spreadsheet alerts me if there is any discrepancy.
I suggest that you use the downloaded version as the online view has issues.
savingstream, this seems to be a software issue: transaction sequencing seems to be incorrect in the online view (certainly for interest payments, maybe more). This makes the pagination appear to be incorrect but I think this is due to the incorrect sequence. For parts of my history with only regular transactions (funding and selling) the transaction sequence and pagination looks okay (cursory glance only).
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twoheads
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Post by twoheads on Jan 2, 2017 22:26:47 GMT
Two weeks ago these looked okay... not sure now... waiting to see if anything else comes up before (and if) these go live.
If nothing changes, I will probably invest but only one third of my usual limit in each, treating the three as a single unit. Noting to watch carefully in case an early exit becomes the prudent choice.
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twoheads
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Post by twoheads on Jan 2, 2017 19:01:03 GMT
The date style is correct (and was correct from the start). The only thing I did slightly differently from your instructions was importing the .csv from LibreOffice, as my Excel does not open csv files with columns (it has been like this right from installation). Maybe that is causing the problem. In any case the +1-1 trick in the formula does force type conversion in Excel and the result is a working calculus. Not Always very close to the SS one, but a good approximation anyway. Success or failure depends how you get the CSV file into Excel.
Via another program relies on this program correctly importing the data and also exporting it in such a way that Excel can properly recognise the data... in particular the dates.
Opening the data directly into Excel circumvents all issues introduced by any intermediate program.
To get the downloaded CSV directly into Excel:
Usually, Excel registers itself to open CSV files so that if you double click on a CSV then it will automatically open in Excel.
If another program has superseded this 'CSV automatically opens in Excel' function then double clicking on a CSV will open it in the superseding program and not in Excel. In this case you must open the CSV in Excel using Excel directly:
To Open the file in Excel, then start Excel and use the File->Open menu function. In the dialogue, there is a combo at the bottom in which you can select file types. You must select Text Files, which includes *.csv and then navigate to the downloaded CSV file and open it. This should recognise the CSV format and export it correctly to multiple columns as you would expect.
If the above method doesn't work then you can use the Data->Import External Data->Import Data menu function but this is more complex. There is a wizard and you MUST select the Delimited option (radio button) in step 1 and check the Comma checkbox in step 2 in order for the data to import correctly into distinct columns. Step 3 allows the date format to be specified but if your system default date format is set up for UK then nothing is required in step 3.
One other point is that the 'Extra' column (column L) is vital to getting the correct amount of interest as certain loan parts are credited with one more day of interest than you might expect. The formulae in this column also rely on dates being correctly recognised and as such must be modified in the same way as you fixed the problem in other formulae (in column K).
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twoheads
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Post by twoheads on Jan 2, 2017 18:35:51 GMT
Apologies in advance for my naivity and/or ignorance here, but could someone please explain to me why the following caution was issued by 0risk when using the script ? - Use auto-refresh with care. When using auto-refresh, don't leave your browser unattended.What is the risk here ? Sorry, I'm not much of a Javascript guru - in fact not at all !! I'd like to know other people opinion too, but I wrote this mainly because I don't want to be responsible for raising a DDOS attack (that's when there are many requests to a site to the point of bringing it down). I imagined a situation where a user could define a very short interval, in several background tabs, and then forget it. The user can be penalised too. The server could detect this situation as a threat and block the user. Is it not also the case that the refreshes mean that the automatic logout (after some period of inactivity) will never happen? Thus if you leave your computer unattended, it will remain logged in to your SS account.
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twoheads
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Post by twoheads on Dec 31, 2016 12:01:25 GMT
Hi @hor1997,
The only way I can reproduce your problem is by changing my date settings to the U.S. style: MM/dd/yyyy.
- When opening the SavingStream CSV download in Excel, it is essential that Excel recognises the dates correctly as dates.
- The CSV contains dates in the UK style: dd/MM/yyyy e.g. 31/12/2016.
- If your Windows regional settings for the short date format have the order dd/MM/yyyy then Excel will correctly recognise all the dates in the downloaded CSV.
- If short date format is MM/dd/yyyy then Excel will recognise some of the dates in the CSV, but incorrectly with the day and month interchanged; other dates are seen as invalid and become text strings. E.g. 05/03/2016 will be incorrectly parsed as May 3rd, and 29/03/2016 will not be recognised and become a text string because 29 is not a valid month.
It would be possible to modify the spreadsheet to cope with this but would require some extra columns and some quite nasty formulae to cope with some incorrect dates and some text strings.
The simplest way to make it work is to ensure your regional short date setting is dd/MM/yyyy.
If this isn't the reason for your difficulty then I'm temporarily stumped!
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twoheads
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Post by twoheads on Dec 30, 2016 19:15:24 GMT
Hi @hor1997,
I too use Excel 2003 with Windows but I do not have this problem.
Two possibilities: 1. I always use 'paste special -> values' when pasting the data. To do this: Copy the values to be pasted as normal but then: right click on the top left cell of the region you are pasting into, select 'Paste Special...' from the drop down, select 'Values' and click 'OK'. 2. Otherwise, it may be that your local date format causes Excel not to recognise the date values as dates when reading the CSV file downloaded from SS.
I will do some messing about and see if I can reproduce your issue.
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twoheads
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Post by twoheads on Dec 30, 2016 17:06:17 GMT
Hi @hor1997,
I'm sorry it doesn't seem to be working for you. I've just downloaded the sheet and tested with my SS account and it worked okay.
Question: are you trying this on Windows, Mac, iPad/iPhone or Android?
If you could PM me, and attach the spreadsheet with just the first few rows of your data (i.e. delete everything below, say, row 20 so there are just a few rows of your data remaining) then I should be able to see what's wrong.
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twoheads
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Post by twoheads on Dec 27, 2016 11:39:04 GMT
58 days was added to the loan term yesterday.
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twoheads
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Post by twoheads on Dec 23, 2016 15:19:03 GMT
I want to increase my total P2P but as I am very top heavy in SS, I intend to invest more in MT and others.
I intend to keep my SS pot steady for now.
The question is tricky as things can change very quickly. My answers above are under the assumption things don't change a great deal from the current situation. Right now I'm pretty bullish about P2P and especially SS because of the liquidity in the SM.
My strategy is really based on watching what's happening and reacting if necessary (and if possible). For example: if the outcomes of some of the overdue loans and the default(s?) are not good then I may well reduce my holding in SS.
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twoheads
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Post by twoheads on Dec 22, 2016 23:15:05 GMT
Is the saving stream midnight feeding frenzy a real thing? Are people really so desperate for 1 days worth of interest they stay up to midnight? Seems pretty sad. The SM is great fun. Well I think so anyway. It happens all day but if you're not at your computer you'll miss it. For those who are not permanently online, the most reliable time for SM activity is just after midnight. I completely disagree that it's sad: it's part of the fun. As you say, one may gain an extra day of interest by selling off your overdraft after midnight. The amount gained by doing so is trivial in the average portfolio. However, the small gain and the sheer number of investors has made the après midnight bonanza a reality.
On the few occasions I have stayed up, I have to say there is more action on the SM. On none of those occasions would I call it a feeding frenzy. I don't recall anything appearing which doesn't appear at other times during the day. And today, the feeding frenzy was most certainly a daylight operation and also properly worthy of the title.
I am at my computer all day for business reasons. In order that I am not constantly distracted from my work, refreshing the available loans, I have arranged that am alerted when a loan comes up which I may like to buy. Others may do likewise, in particular, for example, by using the script from 0risk which is pinned on the SS page of this forum. There are more than enough SM opportunities during the day and I need my sleep!
I am aware that my being at my computer all day gives me a different perspective. If it wasn't part of my job I would be offline during the day, looking for activity in the evenings. If this were my situation then there is no doubt I would focus on the period just after midnight.
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twoheads
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Post by twoheads on Dec 22, 2016 17:23:54 GMT
Maybe they realised they could've got away with 10% and will relist with "loan corrections" in January "SHUT UP, GRUMPY!!!" What... and incite a revolution? The sh*t would definitely hit the fan!
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twoheads
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Post by twoheads on Dec 22, 2016 16:10:41 GMT
I wonder if that's factored into SS' calculations when stating (of the c. £7.6m of new 'Caravan loans') that they " were/are over twice funded"? Or whether that is solely what's reported via prefunding? I'm pretty certain that over twice funded means that the total prefunded amount is more than twice the loan value. I don't think it's anything more complex than that.
Of course we don't know if each loan individually was over twice. My guess would be yes.
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twoheads
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Post by twoheads on Dec 22, 2016 15:20:20 GMT
...return of funds from 92 & 131 plus the repayment of 116-118 total of nearly £8.5mln giving a net of about £2.7mln which in the present market hardly touches the sides and by the end of the day the SM will be zero. Quite right. Drought already: £3k of negative days rubbish left.
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