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Post by dan1 on Mar 10, 2020 20:08:31 GMT
...and herein lies the problem, at what stage does someone with a sore throat or other "mild" respiratory symptoms phone 111 for advice? I dread to think what proportion of the population have such symptoms at any one time during the winter months.
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Post by dan1 on Mar 10, 2020 19:07:00 GMT
I can't get this deeply irresponsible advert out of my head: Quite incredible. I don't watch much TV and never see ads so I don't know if this is current - is it ? A few months/year(s) old I think and I've not seen it during the recent crisis. The fact they haven't taken it down from YT is a little surprising although I guess there are/would be repeats from non-GSK users.
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Post by dan1 on Mar 10, 2020 9:42:32 GMT
Regarding the queue of RYI requests, it says on the page for requesting a RYI (my bold): Does this imply there is a separate queue?
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Post by dan1 on Mar 9, 2020 23:31:31 GMT
Is it better to buy vanguard shares or to invest in the fund directly via their website? Doing some research...they have alot of different funds with different risk ratings. I am planning to retire in 10 years so that is when I would need to withdraw. Would like to diversify away from p2p in the long term. Any advice ? i believe Vanguard is owned by its funds which are in turn owned by its share holders i.e the investors hence the low fee's and aiming to look after its customers as in a sense they are the Ones who run it The Vanguard Group is owned by US-domiciled funds and ETFs.
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Post by dan1 on Mar 9, 2020 23:12:04 GMT
... awaits the wallstreet ETF doomongering Afraid I've made my point clear on that topic already and am not going to be wasting keyboard time going over old ground. The FTSE100 index is down what, 20%-ish YTD ? Meanwhile my personal portfolios are down less than 10%. I remain fully invested and continue to make new acquisitions where appropriate. Give me a well managed portfolio over some dumb tracker any day of the week. *yawn*
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Post by dan1 on Mar 9, 2020 22:53:21 GMT
Proportion of cash held by access accounts is now less than 2.5% or in real terms <£5m in cash, if my calculations are correct. AC have boosted the refer a friend scheme and offered an additional 1% cashback for new investments held for a year. I'm struggling to think of the remaining levers that can stem the recent trend without significant cost to AC. At least it's not long to wait until the new tax year which must surely bring some fresh investment. Thank you for the important insight. 2.5% is a very low ratio. Despite what these P2P platforms will spin, we live in volatile times, as witnessed in today's carnage on the equity markets, and such a tiny buffer ratio is not very reassuring at all. Thoughts? My thoughts drift towards those who still persist in using P2P as an easy access savings account. Those who are still doing this (and I'm sure there are many) must be nuts!
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Post by dan1 on Mar 9, 2020 22:26:07 GMT
Proportion of cash held by access accounts is now less than 2.5% or in real terms <£5m in cash, if my calculations are correct.
AC have boosted the refer a friend scheme and offered an additional 1% cashback for new investments held for a year. I'm struggling to think of the remaining levers that can stem the recent trend without significant cost to AC. At least it's not long to wait until the new tax year which must surely bring some fresh investment.
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Post by dan1 on Mar 9, 2020 21:02:51 GMT
I can't get this deeply irresponsible advert out of my head:
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Post by dan1 on Mar 9, 2020 9:59:20 GMT
When do we reach wide scale liquidity issues in the equity markets?
I mention it because on glancing at VEVE I noted the buy price was £95 until the next update, it's "trending" at £45!
... awaits the wallstreet ETF doomongering
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Post by dan1 on Mar 7, 2020 11:35:22 GMT
Bit of an MSE question this, but for whatever reason it doesn't seem to want to let me post there. I've just logged into my Coventry regular saver (2.5%, £500pm) and out of interest had a look at the products I could apply for. In there, there was a "Coventry regular saver (2)", with the same 2.5% rate and £500pm. I opened it, and it seems to have created it fine. Yet to fund it though, this seems a bit too generous. Anyone else with a Cov account already noticed this, is that really meant to be allowed? I'd not noticed it myself nor created an account (yet). It does state in the summary: It depends on what is meant by "version"? If they meant "issue" then surely they'd of stated that? I remember being able to open and fund two regular savers with Nationwide a few years ago despite the t&c's stating only one regular saver per customer. The second account was closed and the money returned to me a few days/weeks later.
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Post by dan1 on Mar 4, 2020 10:29:14 GMT
It's very difficult (probably possible but not practically) to trace inanimate objects unless by design such as cash. However, if you work in retail and a known infected person visited your outlet wouldn't you like to know? I raise this because I don't think the tracing goes to this level of detail, I believe it relies on more manual techniques.
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Post by dan1 on Mar 4, 2020 10:24:06 GMT
Anything goes in the wild west of P2P and AC are no different. It is still unusual for explicit promotional material to be saying very different things even in p2p. P2P is meant to be at the very least complaint with the FCA principles along with other things. Principle 7. "Communications with clients A firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading." This is often quoted by the FOS and FCA. I wholeheartedly agree. But, I put it to you that because this clause is not being actively enforced by the FOS or the FCA it has opened the floodgates for all platforms to abuse their rights and responsibilities. I believe it was this same principle that led to the "issues" with LW announcement in November last year.
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Post by dan1 on Mar 4, 2020 9:53:56 GMT
Anything goes in the wild west of P2P and AC are no different.
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Post by dan1 on Mar 4, 2020 9:52:13 GMT
Is it just me in being disappointed, if not surprised, by the lack of transparency of our own government reporting of new incidences of infections? Specifically, we're provided details of new cases on a county by county level yet sparse little extra information is released, one assumes to prevent (what the state would describe as) unnecessary disruption. They're attempting to contain outbreaks by contact tracing yet this is only a partial solution because it fails to account for all the interactions where tracing can not be done, for example, travel on public transport, shopping visits and numerous other incidences.
What I hope is happening is that those in responsible for containment have built a mapping timeline of the movements of those infected built from mobile phone records and the like (employer tracking data too). It should allow them publicise cases to the local community to inform them they may have come into contact with a confirmed case and to seek medical advise if they experience symptoms. I guess what concerns me most about this spread is that most people may put symptoms down to seasonal flu or the common cold until it gets to the stage where they require medical intervention by which time they've infected many others.
We often criticise the likes of China for their control of information but it would appear to me we're on quite a weak footing ourselves. If anything, it's more of a concern in the "West" because rumours via social media proliferate more widely than I would have thought the authorities allow it in China.
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Post by dan1 on Mar 3, 2020 9:31:45 GMT
Strange that the number of tests carried out in the U.S. has vanished from the CDC website. Perhaps CDC ran out of funds to maintain it? No US President would be stupid enough to slash the CDC budget, surely?
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