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Post by solicitorious on Jun 16, 2016 16:32:50 GMT
Just come through as sold.
Sounds like SS are under strain today...
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Post by solicitorious on Jun 16, 2016 16:04:07 GMT
I had £1k of PBL052 in the queue with £0 in front a few hours ago.
It's still there now with £18.5k in front, but with "Cancel sale" now unavailable.
Any ideas?
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Post by solicitorious on Jun 15, 2016 12:13:14 GMT
savingstream will, of course, demonstrate some flexibility this time, to account for giving its SM the biggest ever bang a week before Brexit...
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Post by solicitorious on Jun 10, 2016 17:12:25 GMT
savingstream Can you get your act together? Don't promise what you're not going to deliver. Other sites can get their live dates right. Why can't you? And another thing... Is there any reason why you can't have a regular time of day for these things, like other sites? Thought not... What are you angling for? Don't really care. Let's have a vote... The 11am (FS) and 4pm (MT) slots are taken...
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Post by solicitorious on Jun 10, 2016 17:05:12 GMT
savingstream Can you get your act together? Don't promise what you're not going to deliver. Other sites can get their live dates right. Why can't you? And another thing... Is there any reason why you can't have a regular time of day for these things, like other sites? Thought not...
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Post by solicitorious on Jun 1, 2016 8:58:43 GMT
This is a very complicated subject, and players in the P2P market would have different views and subjective risk models. I came from a quantitate background and in my mind I would like to build a quant model to address every possible risk factors and quantify them. When all data as crunched it will give me scores and I will exit from high risk and enter low risk loans. Loans not meeting minimum requirements will never be considered. These loans has fixed income but definitely not fixed income securities as they are not interest rate sensitive and hence has no yield curve as such. Or the yield curve is flat. But I am sure every one on SS recognise the main risks are credit risk and early repayment (reinvestment) risk and liquidity risk. It is then upto everyone of us to quantify, or qualify, them. Another point, when your return is fixed at 12%, the individual loan sharpe ratio is very easy, you don't even need the 12% to calculate in order to compare, the lower risk the higher sharpe will be. The question becomes, what is your calculated risk to input to sharpe ratio? But if you like consider a portfolio wide sharpe, then correlation come in play. What do you think, in normal market, the risk correlation between loans? Is 0 a good assumption? You got the idea, if you know the idea of Sharpe. I therefore think sharpe is bit overkill to assess, because there is only one driving factor, risk; risk adjusted return assessment is unnecessary. My view anyway. Have you seen this? p2pindependentforum.com/thread/4585/faq-newbies-read-post-answers?page=2&scrollTo=99227
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Post by solicitorious on May 19, 2016 21:23:51 GMT
I've posted this in the General P2x discussion forum because, whilst the original idea was raised in the Saving Stream forum in this thread, the idea is potentially just as applicable to any other platform. I committed to discuss the idea with the other moderators and to report back. mikes1531 , Please turn me over , thanks for your patience on this (entirely my fault, I've had some real world distractions to deal with) - we did discuss it and came to the conclusion that "consensus polls" weren't something that we felt comfortable supporting. Whilst we understand the potential interest even if you had poll with range of different values we had concerns about:- 1. (Risk of) loss of nuanced discussion. 2. (Risk of) introducing group think / herd behaviour. 3. Setting a precedent, if it's done for one loan on one platform, why shouldn't it be done for all loans on all platforms? 4. Associated with (3), in effect, in choosing whether or not to invest in any particular loan, we already "vote". 5. Associated with (3), the management / admin overhead, especially if extrapolated across other platform forums. For example, look at what ilmoro and CD do for Saving Stream and then add yet another layer of "threads per loan" - trying to keep track of all of that, and trying to keep it current and relevant, would be a lot of work. 6. The risk that some might consider the poll results to be, or interpret them as, "investment advice". 7. The risk that platforms (with some justification) might react negatively to the idea. 8. Possible legal / regulatory ramifications. It's fair to say that each of the mods involved in the discussion probably gave different weights to the points above, but agreement in terms of not supporting the proposal was unanimous. Finally, regarding the point raised by solicitorious , there's nothing we can do to prevent people setting up public / closed-group Google sheets, but we'd ask that any details be shared only via PMs, and not by adding links to or from this forum. RM I hear what you say, but people have posted links to TrustPilot (for a particular platform or platforms). I'm not sure what the qualitative difference is in setting up the same thing per loan...
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Post by solicitorious on May 16, 2016 11:20:00 GMT
Thanks- any experience with them ? Nope. I registered, but - at this point in time - decided it's not for me. I may look again at some point.
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Post by solicitorious on May 16, 2016 11:04:47 GMT
How about someone creating a Google sheet with a form for people to enter their appraisal, and just posting the link here?
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Post by solicitorious on May 16, 2016 10:36:40 GMT
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Post by solicitorious on May 15, 2016 17:09:56 GMT
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Post by solicitorious on May 14, 2016 11:00:06 GMT
If you don't like this system (and you obviously don't) then try elsewhere. Listen, you might be a legend in your own lunchtime, but you are not savingstream, OK? Things can and do change. Everyone is entitled to their opinion and the freedom to express it. I wish the Mods would crack down on such arrogance and discourtesy to other posters.
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Post by solicitorious on Apr 21, 2016 21:51:00 GMT
Having opened an account and got it fund, I am now anxious to get my money lent out to start earning. Don't bother until you've learnt a little patience, and are prepared to find the answers to your questions on your own initiative. Your questions gave been answered hundreds of times already!
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Post by solicitorious on Apr 16, 2016 20:31:34 GMT
How did everyone learn their spreadsheet skills? Anyone any tips on learning the skills to be able to produce an effective tracker (I know people kindly offered example spreadsheet but the skills to adapt these or produce your own would be great - teach a man to fish and all) Just get started simply, to begin with, and learn by your mistakes! There's plenty of help either in Google Docs itself, or on the web. Just Google what you're trying to do, or what a keyword does. Include the word Excel, and a whole raft of examples will appear, most of which are almost perfectly transferable to Google Docs spreadsheets. Failing which, ask here I suppose, if you're really stuck. Lesson 1 (to get you going) Use Google to get an understanding of what the following functions do, and play around with them in a spreadsheet: $ (as part of a cell reference) IF MAX (and MIN) SUM COUNT SUMIF COUNTIF SUMPRODUCT Lesson 2Find out what "Conditional Formatting" is, and try and use it in a spreadsheet to automatically highlight cells of interest, based on their content.
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Post by solicitorious on Apr 15, 2016 20:18:52 GMT
I've asked the question elsewhere...
What exactly can/will HMRC do for failure to report transactions which - while they ought, strictly-speaking, to be reported - give no rise to a tax liability?
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