jontyab
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Post by jontyab on Jul 30, 2019 18:54:34 GMT
It's not yearly. It's a one-off 25% bonus made to your contributions more comparible to the tax relief of a basic rate pension. It is yearly, You can pay in up to 4K per year up till the age of 50 and get a tax free 1k top up Sorry - I misread "yearly 25% bonus". Yes - so long as you contribute £4000 a year you get the max bonus.
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jontyab
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Post by jontyab on Jul 30, 2019 18:48:26 GMT
It's not yearly. It's a one-off 25% bonus made to your contributions more comparible to basic rate tax relief of a pension.
It's a neat package - but I'm not quite certain how it stacks up. Pension contributions benefit from tax relief and less NI paid, but you're taxed on withdrawal.
With a LISA you end up paying NI on those contributions but are tax free on exit. A nice bonus is you can withdraw early - And so long as you withdraw only your contributions the 25% withdrawal fee is cancelled out by the bonus.
If you're a higher rate taxpayer - Pension is the way to go.
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jontyab
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Post by jontyab on Jul 25, 2019 11:19:32 GMT
Yeah happens in Chrome too for same reason. And rightly so! Fortunately Login and registration are HTTPS, I assume it's a proboards limitation that the forum itself is not. There's really little excuse otherwise.
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jontyab
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Post by jontyab on Apr 17, 2019 13:55:02 GMT
Where's the redirect managed? (I've only used htaccess file - if there's another way I'd be keen to learn.) It can be handled at the DNS level by setting a CNAME record (this only allows you to forward one host to another, so there's none of the granularity over URL path, or anything else, that a .htaccess file would provide). A CNAME wouldn't immediately redirect to the lendy.co.uk domain though - the browser would still show as having navigated to p2pindependentforum.co.uk with the actual page loading underneath. DNS providers may well provide a service to redirect to a different host, but it's not at the DNS level as I understand it.
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jontyab
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Post by jontyab on Mar 2, 2019 2:25:37 GMT
I've had 3 small test deposits totalling £1000 since '1-7 working days' was added to the site, The first two were matched/On loan within estimate, and I expect the third to match too (although It was only transferred in yesterday). Hi jontyab What's your lending setting? "Invest my money" automatically or manually? Invest in: Both / 3 years / 5 years?Automatically in 5 year only.
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jontyab
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Post by jontyab on Mar 1, 2019 11:26:12 GMT
I've had 3 small test deposits totalling £1000 since '1-7 working days' was added to the site, The first two were matched/On loan within estimate, and I expect the third to match too (although It was only transferred in yesterday).
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jontyab
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Likes: 79
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Post by jontyab on Feb 21, 2019 12:08:02 GMT
I know of teamviewer by reputation, but I've personally used Anydesk a handful of times. It's free/fast/lightweight and installation is optional.
Most of the time when remoting into my own machines I use the built in remote desktop functionality of windows, however.
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jontyab
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Ablrate (ABL) in Administration
New loans?
Jul 26, 2018 12:05:29 GMT
Post by jontyab on Jul 26, 2018 12:05:29 GMT
95% of 1000109 filled in under 5 minutes, for what it's worth the site has been rock solid whilst filling this far, ablrates efforts on that end have been entirely successful.
The concurrent transaction checks for the last 10% seems to have slowed things down so if you want in you may still have a chance at what remains but it seems we're back to the same struggles.
edit: For these high-interest launches to work long term there needs to be a bottom-up pre-bid mechanism. Whilst a lower bid limit would have helped more people get into this loan I don't see this situation changing without some significant rearchitecturing of how bids are placed (whether visible to lenders or not).
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jontyab
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Posts: 116
Likes: 79
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Ablrate (ABL) in Administration
New loans?
Jul 25, 2018 12:53:54 GMT
dan1 likes this
Post by jontyab on Jul 25, 2018 12:53:54 GMT
In my experience, initiating a withdrawal will almost certainly be followed by a new loan email! More than once I've withdrawn to only have to deposit before the withdrawal hits my bank account. No complaints just the way it is Right on cue..
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jontyab
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Post by jontyab on Jul 20, 2018 9:23:39 GMT
So far this week I have 1505€ bought back but my Autos which usually use up all repayments have only invested 22€ on Sunday night with nothing since.
Is this the same for everyone? There seem to be no new loans which normally are issued every day.
This has happened to me a few times in the past. Donno if this is the reason - or the solution, but I found that having 'max portfolio size' in auto invest well above the value of my account cleared the reinvestment overhang - sometimes instantly. (assuming minimum rate set isn't too high). Sure, That'll work provided the reason for not getting funds invested is the originator diversification rules kicking in - raising the pot size will let you invest but you should note it is in exchange of increased relative exposure to whichever originators eats up all your uninvested cash.
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jontyab
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Post by jontyab on Jul 19, 2018 6:36:22 GMT
Might be something totally unrelated but an attempt to deposit cash via debit card (about 20:30, in the middle of of all the reported problems making investments), to my partner's account appeared to go through ok but Funds Available was not updated. As far as the Bank is concerned, there is a pending transaction showing (to http://WWW.ABLRATE.COM) for the deposit, but 3.5 hrs later, the cash has not been credited to her account. Same thing happened to me, I'll give it a day or two. Check if you have an email confirmation of the missing payment (although clearly you won't have the separate email for the corresponding deposit) I have two payment confirmations but one deposit notification - easy enough to prove the situation
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jontyab
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Likes: 79
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Post by jontyab on Jul 18, 2018 20:25:19 GMT
Service Unavailable HTTP Error 503. The service is unavailable. Smells like a server restart - Brief moment of HTTP 503 followed by immediate normal behaviour, Now's your chance! ... Until everybody refreshes
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jontyab
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Posts: 116
Likes: 79
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Post by jontyab on Jul 18, 2018 14:09:43 GMT
Just received an email from Uown which contained good news... No such mail for me - I'm not itching to sell out my modest shares but I'd be annoyed if I'd missed my chance to get early in the sale queue because I missed the opening of the resale market.
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jontyab
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Posts: 116
Likes: 79
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Post by jontyab on Jun 13, 2018 11:31:38 GMT
Proving that you are an investor may be more difficult. Arguably a core could b e established from posting history then work on a solution. Any signed email (a loan update or a loan part purchase for example) from collateral is verifiable proof enough if you wanted a fairly undeniable method (would just be a case of forwarding to a forum admin to verify the signature), particularly if the email address in question matches the forum login. Although that requires the lenders' willingness to share the email in the first place. EDIT: I guess maybe not anymore now that someone else owns the domain and could sign whatever they like with whatever keys they like
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jontyab
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Posts: 116
Likes: 79
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Post by jontyab on May 1, 2018 22:28:01 GMT
www.collateraluk.com/ is timing out for me, actually. I've been checking it every few days as a matter of curiousity. Resolves fine, though.
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