p2pmark
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Post by p2pmark on Nov 10, 2017 8:57:53 GMT
When selling and moving the slider all the way to the right, the amount for sale is always set to the nearest round number even if it's more than the amount you hold. Could you please change this such that it is instead set to the amount you hold.
Thanks
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p2pmark
Member of DD Central
Posts: 217
Likes: 186
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Post by p2pmark on Nov 10, 2017 7:26:46 GMT
HMRC have online chat?
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p2pmark
Member of DD Central
Posts: 217
Likes: 186
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Post by p2pmark on Nov 10, 2017 7:23:35 GMT
P2P 30% Equity 60% Bonds 5% Cash 5%
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p2pmark
Member of DD Central
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Post by p2pmark on Nov 9, 2017 19:20:55 GMT
I guess it may be worth it, even if under the limit if (a) you think you may go over the tax free limit in future years, or (b) you think the tax rules might change in future. In both cases having an IFISA set up hopefully provides some protection. (Although I suppose it's possible IFISA rules may also change.)
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p2pmark
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Post by p2pmark on Nov 9, 2017 17:05:11 GMT
By sample size, I mean the number of lenders, not number of loans per lender. I think that's what's relevant here, as my original post was implicitly referring to the distribution of returns across lenders.
Having said that, you're right that this could be an extreme outlier and the tails may not be symmetrical unless the sample size is ridiculously large.
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p2pmark
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Post by p2pmark on Nov 9, 2017 10:51:11 GMT
Assuming the 4-5% figure is accurate, this implies some people are getting 10%+. Assuming a normal (or at least symmetrical) distribution, which may not be the case. I would have thought that the CLT applies over such a large sample?
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p2pmark
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Post by p2pmark on Nov 9, 2017 8:30:43 GMT
As at 16 October, the provision fund was pretty constant at £606,845. Seems to be reassuringly stable over the past couple of months.
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p2pmark
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Post by p2pmark on Nov 9, 2017 8:27:26 GMT
But why the deafening silence from Zopa? OK, we now expect returns from + of 4-5%, but some here are getting 1-2% or losses. This just doesn't make sense, especially as my monthly net earnings (50% +, 50% core/classic) are just as expected, probably with a year end return of 5%. Assuming the 4-5% figure is accurate, this implies some people are getting 10%+.
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p2pmark
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Post by p2pmark on Oct 29, 2017 15:15:25 GMT
The thing that would help the SM (and the PM) the most is introducing an IFISA, MoneyThing. Currently, it's hard to see new loans getting funded.
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p2pmark
Member of DD Central
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Post by p2pmark on Oct 29, 2017 15:07:53 GMT
I don't think they should hike rates. In addition to the reasons mentioned by yangmills, there are asymmetric impacts to think about because we are at / near the lower bound. If the MPC increase too slowly then it will be relatively easy to correct by increasing rates. If they increase too quickly, then it is harder to fix as interest rates can't go any lower - they'd need to rely on QE which is more unpredictable. The fact there is so much uncertainty around Brexit makes this issue more significant.
Separately, I've never agreed with the argument about increasing rates now to give more room to cut later. If we increase too early then the equilibrium rate would be lower than it otherwise would be, meaning we would need to cut to a lower absolute level than we would otherwise to compensate. And, given we're at / near the lower bound, it may not be possible to cut rates far enough to compensate.
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p2pmark
Member of DD Central
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Post by p2pmark on Oct 20, 2017 7:07:52 GMT
On Mintos I mostly buy loans with a buyback. I might be stating the obvious but you are reliant on the financial strength of the company that listed the loan. I currently hold two loan parts where the company that listed the loans is currently unable to honor the buyback commitment. Which providers are unable to buyback?
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p2pmark
Member of DD Central
Posts: 217
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Post by p2pmark on Oct 15, 2017 7:00:02 GMT
So that means it's cheaper to use third party sites like transferwise, or currencyfair. As for the 17% loans. They are linked to a very weak currency. I'm interested in using currencyfair. I understand that there's a refer a friend offer where both parties get 30 euro. If so, I understand the minimum deposit is 2k euro - is that right? And grateful if somebody could PM me a link. Thanks
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p2pmark
Member of DD Central
Posts: 217
Likes: 186
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Post by p2pmark on Sept 27, 2017 4:19:35 GMT
I am not sure if you're aware of our refer a friend scheme which can be beneficial to both the referrer and the referee. Have a wonderful evening everyone! Hari Hi Hari, Could you please say more about the refer a friend scheme? I can't find much about it on your website. Thanks
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p2pmark
Member of DD Central
Posts: 217
Likes: 186
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Post by p2pmark on Sept 16, 2017 5:07:49 GMT
Morning stevio, I've passed this on to the developers. Many thanks, Gordon Thank you, do you have a date when this would be implemented? Does anyone else think this would be useful? I agree that this would be useful.
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p2pmark
Member of DD Central
Posts: 217
Likes: 186
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Post by p2pmark on Sept 15, 2017 18:46:07 GMT
There's some more detail at www.growthstreet.co.uk/investing/statistics. Latest figure showing £614,554. Looks as if there were more claims made than regular contributions received so far for 2017 (I guess losses tend to be lumpy so I don't find this particularly disturbing), but there appears to have been a big contribution from the founders which is more than enough to offset this.
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