dzo
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Post by dzo on Mar 30, 2017 17:42:06 GMT
Usually the redesign muppets seem to think grey text (as opposed to black) is a good idea SS has always used grey text - at least since I joined. Even the few bits of "black" text are actually dark grey.
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dzo
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Post by dzo on Mar 30, 2017 17:31:14 GMT
I sold a loan part today, but received no email. Presumably teething trouble after the rebrand.
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dzo
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Post by dzo on Mar 30, 2017 7:14:55 GMT
I got sick of MT pretty quickly. Volume is weak and when something does come it is <12%. To me SS still represents the best balance so long as you invest only in the right loans after DD etc. and actively manage your portfolio. Hence I can't see myself pulling out or back materially any time soon. But if I didn't have the time and (I hope!) knowledge necessary I wouldn't touch it with a barge pole. Very little on MONEYTHING is less than 12% ...a few are 10 or 11 and certainly not less I joined MT three months ago and there hasn't been a new loan at 12% yet.
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dzo
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Post by dzo on Mar 29, 2017 16:24:43 GMT
I do, yes. Lots of investors and their funds have moved on to pastures new since lower rates were announced. I know loads of forumites have said that - is there a way of comparing 'number of investors before' and 'after'? My suspicion is that some of have left, and many have joined, and I wonder if any forumite would admit to leaving and coming back having failed to get funds away on the likes of MT? Jack P I'm surprised by people who say they're moving to MT - 12% loans are even rarer there than they are on SS.
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dzo
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Post by dzo on Mar 29, 2017 14:51:09 GMT
I think the SM is just slow today. I put five loans up for sale this morning, but only one of them has moved forwards in the sale queue so far.
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dzo
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Post by dzo on Mar 28, 2017 22:20:27 GMT
Well it would be quite nice to know what we are all going to invest in. This silence is not good and only about a week left to put money in. It's a bit of leap of faith to plough a load of money in the hope you are not going to end up in another 5% bond. It's flexible so you can take your money back out again and invest elsewhere without losing any ISA allowance.
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dzo
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Post by dzo on Mar 28, 2017 17:00:44 GMT
I wonder who will be next? Maybe the big sites will get authorised together soon. Sauces tell me that FS is very close. FS will be a good one because you will(hopefully) be able to buy on the SM at a discount, boosting returns. We're probably all waiting to pounce on those 20-30% expected returns. In the long term it will probably mean a more liquid SM so we'll be able to sell at par more easily.
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dzo
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Post by dzo on Mar 28, 2017 8:10:42 GMT
I once had a problem where the SMS never came through, but I kept being redirected to the page with the token input box. If anyone else finds themselves in that situation, the solution is to login from an incognito tab.
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dzo
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Post by dzo on Mar 25, 2017 13:46:05 GMT
Hopefully the IFISA will be flexible when it arrives. That way we can temporarily withdraw our funds if there aren't enough investment opportunities.
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dzo
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Post by dzo on Mar 25, 2017 12:06:13 GMT
Thankfully I've never had this issue. Maybe because I've never used the default pre-funding feature.
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dzo
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Post by dzo on Mar 24, 2017 19:58:39 GMT
Ghost pre-funding is part of the rebrand to Saving Scream.
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dzo
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Post by dzo on Mar 23, 2017 19:41:13 GMT
I like not having a bid restriction. If you want to get your investment in, simply set an alarm for 10:58, and start refreshing the investments page, as soon as you see the loan, click invest, select your amount from the drop down list, click invest, click ok on the pop up. That's exactly what I did and I was the third person invested in the loan, and have never missed out on any loans that I have wanted. The ability to get a decent amount invested in quality loans is one of the main reasons why I mostly invest at fundingsecure rather than faffing about with the other sites where you can invest 50p maximum provided you pre-register six months in advance or whatever. If you missed out you can easily go to the secondary market and find loans equal or better than the Tipton loan that are available with discounts. I wonder how you'll feel about it if enough people take your advice and you then miss out. On other platforms I've missed out on loans despite adopting this strategy.
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dzo
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Likes: 150
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Post by dzo on Mar 23, 2017 19:37:16 GMT
I recently sold a similar size 13 percenter for a 3% premium.
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dzo
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Posts: 158
Likes: 150
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Post by dzo on Mar 23, 2017 19:27:45 GMT
I just wanted to ask a question, but also bring to other people's attention a post that pom made on another less frequented thread that might benefit others here on a more popular thread (Not sure how to link to or quote, so I hope you don't mind pom I just cut an pasted) If you're that uncertain then given there's so little time left rather than rush into something you may potentially regret later, why not bung it all in a cash ISA (or put a smaller amount in an IFISA and the rest in a cash ISA) and then transfer it into potentially more than one IFISA after Apr 6th.This seems like a very sensible idea! Can I just ask, I presume the premise here is if your opening an IFISA with 'new' money this year, can you only open one? Therefore by transferring previous year's allowances instead, which I presume you can make multiple transfers to multiple IFISA's, you can then potentially diversify? Does anyone know how LISA will effect the number of ISA's you can open in a year? Tagging james and ilmoro as they seem to be extremely good with ISA rules! I intend to follow the pom plan also. It's worth mentioning that you can combine it with a flexible ISA, meaning you could put £15240 into an ISA on 5th of April, take it out again on the 6th, and then use the now-empty ISA as a gateway to as many new IFISAs as you like next year.
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dzo
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Posts: 158
Likes: 150
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Post by dzo on Mar 22, 2017 21:58:03 GMT
Two cranes! It'll get built twice as fast now.
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