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Post by dan1 on Feb 11, 2021 12:53:19 GMT
Do you honestly think this is ALL the fault of the EU? Do you really believe that? Do you not think the UK persistently threatening the EU has not had consequences. Look, I'm sure the EU are having fun at our expense but please, can you not for once just own your decision? Why do you excuse them so easily for invoking that nuclear option? And can you expand a little on the UK persistently threatening the EU, because I must have missed that! At least we agree the EU are having fun at our expense. Confiscating ham sandwiches from our lorry drivers included. Look, you miss the point, this is not about tit for tat of "he said this, she said that" kind of, well, quite frankly . It's about how the UK-EU relationship proceeds from here. How do we resolve our differences because with your attitude we're heading into decades long period of trade disputes being referred for arbitration and that will kill UK-EU trade. A little less of nationalist tub thumping so prevalent in The Telegraph, Mail, Express and bit more reconciliation. Blaming the EU for every downside will get you knowhere except further division in UK society - perhaps that's what you want, I don't know.
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Post by dan1 on Feb 11, 2021 12:41:49 GMT
Are people really proposing the UK head down the route of an autarkic society? I very much doubt that's achievable, but when your trading partners stop playing nicely, you do have to stop and reassess. So readily invoking Article 16 - without even bothering to notify Ireland or the UK - shows what they really think of us. Do you honestly think this is ALL the fault of the EU? Do you really believe that? Do you not think the UK persistently threatening the EU has not had consequences. Look, I'm sure the EU are having fun at our expense but please, can you not for once just own your decision?
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Post by dan1 on Feb 11, 2021 12:29:13 GMT
It's all too easy to get wrapped up in a negative spiral wrt this new platform.
Can I just say that I expect the platform will take off and will demonstrate success in the short term. I'm sure that demand will far outstrip supply for pawn and bridging loans especially in the context of negative interest rates for HNW's in the coming years.
I guess the business case for the platform is not derived from pawn but property. We'e seen a succession of platforms try to scale up by entering bridging and development loans following initial success in pawn,... Collateral, FundingSecure, MoneyThing, Unbolted spring to mind. I suggest Kristian Henery, the Property Director, may be key to their long term success or otherwise.
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Post by dan1 on Feb 11, 2021 12:17:33 GMT
I have heard it all before. I will never put a penny into any P2P site no matter what they promise. May ask why you're on this forum and in particular, why are you reading this thread about a new platform? Just curious. Fury, rage, anger, indignation? Just guessing
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Post by dan1 on Feb 11, 2021 11:59:28 GMT
Are people really proposing the UK head down the route of an autarkic society?
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Post by dan1 on Feb 10, 2021 22:10:40 GMT
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Post by dan1 on Feb 10, 2021 22:09:49 GMT
The word "renewal" appears in the Loan Titles of 232 loans out of 1092 (21.2%) I guess some of those loans not including the word "renewal" were repaid by a renewal, i.e. may not have been actual cash paid by the borrower. Regardless, I guess what we want to know is of the original loans written during that period what proportion were repaid by the borrower (even if the original loan was renewed several times)? In fact, returning to my original question, what I want to know is of the original loans written during that period which ones turned really bad?
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Post by dan1 on Feb 10, 2021 21:35:12 GMT
I'm reminded of this... What I’ve often wondered (but never been bored enough to work out) is how much the FS figures are flattered by renewal loans, especially where the renewal interest is rolled up into an increased LTV or funded by a further loan / tranche. Consider, for example, a £1m loan at 50% LTV that renews 3 times, increasing the loan each time for the accrued interest, but then eventually defaults. AIUI, the first 3 loans would forever be reported by FS as completed, fully performing loans (totalling something like £3.25m), more than overshadowing the eventual circa £1.2m default. In practical terms, it was really a single 2+ year loan where the borrower never paid a penny. Powerboats spring to mind, and even the disastrous Whitehaven scheme claims 3 fully performing Completed loans!
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Post by dan1 on Feb 10, 2021 19:10:11 GMT
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Post by dan1 on Feb 10, 2021 18:42:53 GMT
I don't know how to phrase this without sounding facetious but anyway...
Has anyone analysed the loans written over at FS during Noman Akram's time as a director (to 23 Jan 2017)? It's before my time and besides I'm not sure I can face digging into the history. I'm not looking for perfection, we know loans go bad and often at the rates offered to borrowers, but I guess what I'm interested in is were any of the howlers written during this initial period?
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Post by dan1 on Feb 8, 2021 16:08:02 GMT
***** DISCLAIMER: AMATEUR IMMUNOLOGIST TIME ***** I've not read this anywhere but just joining some dots. I wonder if one reason South Africa have paused roll-out of the AZN/Ox vaccine is because it's a viral vector? As I understand it those who receive this vaccine develop an immune response not only to SARS-CoV-2 but also the non-replicating chimp adenovirus used as the vector. The next time you receive a vaccine with that vector it will be less effective because you have immune history. Perhaps South Africa don't wish to blunt any future AXN/Ox vaccine tailored to the variant prevalent there? I don't understand how the AZN/Ox second dose can use the same vector? The other viral vectors are J&J, who use a single dose, and the Russian Sputnik, who use different vectors for the doses. Indeed there's a new Ebola virus that also utilises different vectors for primary and booster. My googling has drawn a blank. well none of us are, but that doesn't stop us pontificating. Are u sure it also induces an immune reaction to the vector ? That seems odd - if it did surely that would impact the second dose that was already planned ? I think its effectively benign: it''s just carrying the spike protein into the cell to trigger generation and immune system response. Notwithstanding my previous disclaimer then I'm fairly sure. It's referred to as anti-vector immunity in this, and from this (my bold)... Here's a useful thread on the challenges of adapting vaccines for new variants... A good overview of existing vaccines and the challenges of adapting them for the new variants, in particular the SA variant. Good for Novavax (manufacturing facility in UK, good news for us) but not so good for AZN/Oxford, with Pfizer/Moderna mRNA types limited. Recommend reading the whole thread if of interest....
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Post by dan1 on Feb 8, 2021 14:34:57 GMT
***** DISCLAIMER: AMATEUR IMMUNOLOGIST TIME ***** I've not read this anywhere but just joining some dots. I wonder if one reason South Africa have paused roll-out of the AZN/Ox vaccine is because it's a viral vector? As I understand it those who receive this vaccine develop an immune response not only to SARS-CoV-2 but also the non-replicating chimp adenovirus used as the vector. The next time you receive a vaccine with that vector it will be less effective because you have immune history. Perhaps South Africa don't wish to blunt any future AXN/Ox vaccine tailored to the variant prevalent there? I don't understand how the AZN/Ox second dose can use the same vector? The other viral vectors are J&J, who use a single dose, and the Russian Sputnik, who use different vectors for the doses. Indeed there's a new Ebola virus that also utilises different vectors for primary and booster. My googling has drawn a blank.
Emboldened; Do you mean vaccine?
I thought the chimpanzee adenovirus is now making the covid spikes - so yes you are getting vaccinated against a variation of the chimpanzee adenovirus, but against a odd one we made. I'm not an immunologist either so pull me to pieces please.
Yes, I meant vaccine. I wonder if there's a relatively small number of virus vectors like adenoviruses that are available to be used for vaccines? I guess it was just faster to develop using just one vector but wouldn't be at all suprised to see this mooted autumn booster using a different vector. Great graphic explainer...
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Post by dan1 on Feb 8, 2021 12:21:34 GMT
***** DISCLAIMER: AMATEUR IMMUNOLOGIST TIME *****
I've not read this anywhere but just joining some dots. I wonder if one reason South Africa have paused roll-out of the AZN/Ox vaccine is because it's a viral vector? As I understand it those who receive this vaccine develop an immune response not only to SARS-CoV-2 but also the non-replicating chimp adenovirus used as the vector. The next time you receive a vaccine with that vector it will be less effective because you have immune history. Perhaps South Africa don't wish to blunt any future AXN/Ox vaccine tailored to the variant prevalent there?
I don't understand how the AZN/Ox second dose can use the same vector? The other viral vectors are J&J, who use a single dose, and the Russian Sputnik, who use different vectors for the doses. Indeed there's a new Ebola virus that also utilises different vectors for primary and booster. My googling has drawn a blank.
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Post by dan1 on Feb 7, 2021 21:43:43 GMT
I'm not sure that's fair. We don't know the purpose, limitations or constraints of the trial. Perhaps it was only looking at safety or some other factor? However, South Africa have halted use of the vaccine for now.
I posted to show the difference between mild, moderate and severe which must apply to all trials (i.e. not specific to AZN/Ox). And given all the talk of oxygen saturation monitors on this thread I thought it may be of interest. Seems like <92% = severe (requires oxygen I guess), 92% & 93% = moderate, and > 93% = mild. Caveats abound no doubt (e.g. if you have COPD) but maybe useful when you next test yourself?
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Post by dan1 on Feb 7, 2021 20:34:41 GMT
Oxygen saturation (SpO2) of 92% or 93% is classed as moderate, if I've read that correctly?
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