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Post by beeje13 on Feb 7, 2018 19:51:22 GMT
It is as you describe it.
I think they do it that way to minimise costs, and so they don't have a moving target when they're working out people's allocations into loans.
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Post by beeje13 on Feb 7, 2018 17:47:17 GMT
Wow, and they don't need permissions to do this, I'm guessing it's done by a script?
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Post by beeje13 on Feb 7, 2018 17:08:10 GMT
Start now, regularly to even out volatility fluctuations.
Unless you plan to retire soon, go for equities. Legal & General International Index Trust for example has thousands of global stocks and a very low charge if you want something easy and passive.
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Post by beeje13 on Feb 7, 2018 17:03:57 GMT
Brilliant!
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Post by beeje13 on Feb 3, 2018 9:05:14 GMT
Read that article. Reeks of desperation, full of conspiracy theories. Institutions pushing down the prices so they can buy in low? Really now come on! :-)) :-))
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Post by beeje13 on Jan 27, 2018 12:11:44 GMT
May i ask how you earn an average over 9%? I downloaded my loan book and simply took the mean rate of all my loans, excluding the sharia one which is 0%. I didn't worry about weighted average as the parts are so similar in size. And then multiply by 12 It will be higher in reality (excluding 'cash drag' which I don't worry about) due to reinvestment etc.
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Post by beeje13 on Jan 25, 2018 18:41:23 GMT
I've had a couple of days of losses due to the currency movements.
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Post by beeje13 on Jan 23, 2018 20:01:25 GMT
Aye, UB is perfect for me. In fact it's made me question why I bother with other P2P sites, especially the higher risk ones. It is perfect for me too, but there's only so much you can invest. I've been with UB for over a year and only recently my portfolio reached over 3k. I'd be very happy that. 3k would be a high amount to me, but I feel comfortable owing to the amazing diversification level and levels of protection on offer. I have 252 loans and not one is overdue, earning an average 9.36% - Not including reinvestment. UB is unbeatable for risk adjusted return, and then it's low maintenance aswell!
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Post by beeje13 on Jan 22, 2018 22:05:16 GMT
Aye, UB is perfect for me. In fact it's made me question why I bother with other P2P sites, especially the higher risk ones.
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Post by beeje13 on Jan 22, 2018 17:20:20 GMT
I really like those charts. Notice how the 2008 crash recovers in 2 years in all but one category.
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Post by beeje13 on Jan 20, 2018 22:49:42 GMT
£32.88 on account by close of play yesterday. No repayments.
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Post by beeje13 on Jan 20, 2018 7:08:02 GMT
£10, £10, £0. 😂😂
£20.32 lent yesterday over 4 loans.
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Unbolted (UB)
ISA
Jan 16, 2018 22:22:28 GMT
via mobile
Post by beeje13 on Jan 16, 2018 22:22:28 GMT
I'd probably go with UB for an IFISA. I don't use my full ISA allowance anyway.
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Post by beeje13 on Jan 16, 2018 22:18:08 GMT
Yes I'm sure Blockchain tech will get better and better.
Bitcoin is really old - the oldest afaik. Bitcoin Cash for example resulted from people wanting to improve on Bitcoins limitations.
Ripple and other newer blockchain technology is miles ahead of Bitcoin.
I still believe that the coins/tokens are a gimmick that will not play a large part in the future.
E.g. I think it's 61 banks/financial institutions are using Ripple technology in some way. Almost none of them are using XRP. They make their own tokens at will for their own network operations.
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Post by beeje13 on Jan 16, 2018 16:05:43 GMT
Given that only a finite number of bitcoins can ever exist, and the blockchain is fixed forever, what happens when all the bitcoins are lost down the back of the crypto-sofa? As an example, ages ago I got some bitcoin from a faucet and put it in a wallet on a PC, but forgot about it and now the PC is long gone. There may be a finite number but they can be subdivided infinitely. Still a valid point though. Smallest amount supported by the blockchain is one Satoshi, or one hundred millionth.
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