ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,329 
Likes: 11,549
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Post by ilmoro on Oct 9, 2017 13:04:58 GMT
A certain type of, cough, 'internet user' is going to be mightily upset when they discover DD Central is a p2p forum and not what they thought!    Aaaaaah! Busted!  think theyll be equally disappointed about discussions about boy bands as well ... 
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Nomad
Member of DD Central
Posts: 755
Likes: 513
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Post by Nomad on Oct 9, 2017 13:06:20 GMT
A certain type of, cough, 'internet user' is going to be mightily upset when they discover DD Central is a p2p forum and not what they thought! No idea what you mean. Could you perhaps post a photo to clarify?
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Post by Badly Drawn Stickman on Oct 9, 2017 13:21:32 GMT
From memory, you can deny access to groups, so suitably tagging platform reps would work in theory. In practice they would just create a separate login detail to gain entry. The big problem here, that everybody is ignoring is the name. Honestly people metaphorically sat round a table for hours, and the best they could do is DD Central. Not exactly snappy is it. Not sure what the new secret one is called (guess my invite is in the post) but it bet its pretty cool. You are assuming of course that the post of secret village idiot hasnt already been filled. If not, perhaps I should apply. Walking around with a pig on your head seems like it would score significant points on the idiotic scale though I may be disqualified on the grounds that the smell would undermine the whole undetectability angle. After all who's ever heard of a secret or invisible pig farm. Assuming is usually above my pay scale, but you may be right. Assuming I did assume, I would assume the first wave of 60 would consist of four to do the heavy lifting and 56 to 'like' it. Thus leaving my post still vacant. If you are not one of the four, my job is still safe. I should probably do a smiley.
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macq
Member of DD Central
Posts: 1,934
Likes: 1,199
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Post by macq on Oct 9, 2017 13:45:51 GMT
By the time membership,new rules,the correct use of *,secret handshake v's secret password & whether to merge with the breakaway 60. DD central (and maybe the new secret p2p forum) will be a moot point as most platforms will have moved onto flat rate accounts
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macq
Member of DD Central
Posts: 1,934
Likes: 1,199
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Post by macq on Oct 9, 2017 13:50:28 GMT
A certain type of, cough, 'internet user' is going to be mightily upset when they discover DD Central is a p2p forum and not what they thought! No idea what you mean. Could you perhaps post a photo to clarify? And can we have a competition to design a logo for it 
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Liz
Member of DD Central
Posts: 2,426
Likes: 1,297
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Post by Liz on Oct 9, 2017 14:35:04 GMT
I believe that in order for DD-Central to succeed it has to be open to the entire P2PIF membership while remaining closed to general view (non forum members). Any closed group of specially selected members would be pretty much the same as this SPF that has been described and therefore somewhat hypocritical. To make DD-Central equitable (as seems to be the prime requirement) then everyone must, by default, start with access to DD-Central and if members then abuse those privileges, they must be warned and persistent offenders banned. I, like many others, cannot understand what all the fuss is about a small number of investors having their own private discussion forum with whatever rules it likes. Does the existence of this SPF detract from this forum? I think not. I totally agree, but I am just one 1 person/bot. I do like the idea of a democratic forum without mods. Why not run a poll and ask the community what they want?
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twoheads
Member of DD Central
Programming
Posts: 1,089
Likes: 1,192
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Post by twoheads on Oct 9, 2017 14:35:24 GMT
Not sure what the new secret one is called (guess my invite is in the post) but it bet its pretty cool. It seems to be Sun Protection Factor at the moment, perhaps ' SPF 60'.
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am
Posts: 1,495
Likes: 601
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Post by am on Oct 9, 2017 14:42:19 GMT
I believe that in order for DD-Central to succeed it has to be open to the entire P2PIF membership while remaining closed to general view (non forum members). Any closed group of specially selected members would be pretty much the same as this SPF that has been described and therefore somewhat hypocritical. To make DD-Central equitable (as seems to be the prime requirement) then everyone must, by default, start with access to DD-Central and if members then abuse those privileges, they must be warned and persistent offenders banned. I, like many others, cannot understand what all the fuss is about a small number of investors having their own private discussion forum with whatever rules it likes. Does the existence of this SPF detract from this forum? I think not. I totally agree, but I am just one 1 person/bot. I do like the idea of a democratic forum without mods. Why not run a poll and ask the community what they want? Moderation is at worst a necessary evil.
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jonah
Member of DD Central
Posts: 2,031
Likes: 1,113
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Post by jonah on Oct 9, 2017 15:39:01 GMT
I'm puzzled... I think I know why, but will need to get to there. I've tried to trim this down as the first version of this post was waaaaaaaaaaaay too long, but in summary, I have three points. 1. There is another forum about P2P on the internet. I'm somewhat surprised that this is news, to be honest. A quick google search will find that there are literally hundreds of thousands of forums on the internet. More than one or two of them are about financial matters. Examples with discussion on P2P include MSE or www.wiseclerk.com/ or www.p2p-kredite.com/diskussion/ or Lemonfool or stoozing.com/stoozforum. I seem to recall reading details on both the FC and Zopa forums in the past before they were closed. I'm aware that there is at least one other mini forums spun up by a platform to get targeted feedback on parts of their planned future development for another example. The second part of this "news" is that some of the people who post here also post in other parts of the internet! Again, I don't feel that this is really news. For completeness I personally do post on MSE and on Stooze's forum, albeit very infrequently. I use different names in both places, but that hasn't stopped me from posting here. One or two names used on MSE for example and 'tone' of of their posting suggests that I'm not alone in this. The suggestion appears to be from parts of this thread that this 'other forum' is preventing posting or discussions taking place here. This is a point I think can be closed off by looking at the numbers. The very helpful forum stats thread suggests that the last quarter has been the busiest for this forum, with around 2000 more posts than an average quarter. This suggests that despite other places existing there is still a strong and growing group of people discussing here. Finally, it would appear that there is a concern over people having visibility for details posted online. This one is somewhat interesting, as there are already good examples of restricted forum discussions. Right here on this board there is the 'pink pages' for AC. This has 155 threads and over 4000 posts. Yes, there is a clear route to get access to this, but it is by its very nature a limited group looking to have an open discussion, within a particular framework or set of rules. I understand that there is one (or two?) TC forums somewhere. I've not looked too hard into it as I've always considered TC to be too 'hard core' for myself, but again, I understand that limited access rules apply. This is before you add on concepts such as PM threads or discussions. (I did suggest up front that this was quite a long post... sorry!) Moving on to what I think is actually going on... 2. There have been a number of elements within this thread discussing concerns about this forum being impacted or having to close due to this alternative forum. Hopefully point 1 above removed any causation between these two disparate points. However, if there is serious concerns about the future of this forum, then that is a discussion which we should having. Others have previously mentioned it, but I think that this is a great space on the internet, providing real interaction between platforms and lenders and allowing a meaningful dialogue to go for the benefit of both. I can think of at least two platforms which have had major recent involvement with this place for their benefit and I think I'm correct in saying that one platform has had to have zero advertising budget due to the growth in lenders due to this forum. As mentioned above there is also a growth in lender discussion and has already been pointed out by other posters, some good 'honest' feedback on upcoming loans to platforms has helped reduce some of the potentially 'challenging recovery situations' for the future. I know for a fact that this is a great introductory process for lenders as this is the reason I have money on most of the platforms I now do. If there are issues with maintaining this forum and allowing it to continue and thrive then please, call out what those issues are and see if people can help? Ultimately that is sort of part of the spirit of P2P (that and making money!) and given 3000+ people who are members and the potential 'lurkers' out there who could become great members (such as first time posters in this thread) then there may be ways to address whatever the issues are. This feels like a solid topic for a dedicated thread, maybe across all the boards, for a targeted discussion saying 'these are the 3 (or whatever number) biggest issues / concerns, can anyone help'. 3. Finally there is a suggestion of evolving this forum and building upon it. This sounds fantastic to me as whilst I don't have too many issues with the great stuff which happens here now, I understand that there are alternative ideas, thoughts, perspectives or ways this could move forward. One idea, 'DD central' seems to have been floated. Personally I don't quite understand how that is supposed to work, due to the conflicting desires of detail and openness vs protection from litigation, but again, hopefully the 3000+ members and thousands more lurkers can add to that concept and potentially build upon it. This feels like it should be in an appropriately titled thread or even a dedicated board so that members can discuss ideas and suggest refinements etc. Too long? Short version: 1. It's the internet.... there are lots of everything 2. Starting up a focused discussion on what the current issues with the forum are so people can look to assist may be helpful 3. Starting up a focused discussion on what the forum could or should evolve into so people can look to assist may be helpful Finally, a quick thank you to all the positive discussions I've read on here recently. I have had a significant personal issue this year which has reduced my 'online' time and capability, but the humour of people with pigs on their heads or other avatars, suggestions on diversification and where it does and doesn't work, discussions on the futures of markets, the ethics of robotics, education on 'risk curves' has all made me think or smile. And making someone smile is usually a good thing. Finally, really this time, thank you to the various mods, platform reps and posters who have made this place what it is today. The in depth responses from, for example, registerme or d_saver in this thread or an analysis piece by yangmills or discussion on improving loan monitoring between @bobo and shimself or a piece of local knowledge by any number of people are all excellent posts. Those posts and thousands of others make this place something worth looking to support, continue and hopefully thrive. |
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Post by mrclondon on Oct 9, 2017 16:01:41 GMT
Nothing about how DD Central will operate has been decided, including who would be eligible for membership. A focus group made up of some forum members we selected plus some those members nominated has been discussing a variety of issues around the DD Central concept and how it could work for c. 3 weeks. They have been joined by a couple of four volunteers who have expressed an interest in being involved over the last 24 hours.
The views expressed in that focus group will flesh out the concept before it is launched, hopefully within a few weeks. (And will of course take into consideration points raised on this thread as well.)
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merlin
Minor shareholder in Assetz and many other companies.
Posts: 902
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Post by merlin on Oct 9, 2017 17:19:39 GMT
I totally agree, but I am just one 1 person/bot. I do like the idea of a democratic forum without mods. Why not run a poll and ask the community what they want? Moderation is at worst a necessary evil. agreed but it is an evil in itself if it skewed, biased or abusive.
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elliotn
Member of DD Central
Posts: 3,064
Likes: 2,681
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Post by elliotn on Oct 9, 2017 17:30:37 GMT
- since p2p started with the Z forum there have been private PM threads (including mods on here) that may have advantaged their particpants;
- as someone that was never invited to such discussions their restictive nature seem exclusionary but have not stopped me investing in p2p;
- formalising such structures would appear a natural progression and requests for a supplementary private page on SS that may have helped them become more transparent and reduce the need for alternatives to verify evidence was turned down because of the extra work involved;
- the pool of registered investors at 3000+ seems sufficient to provide resource to develop such facilities and maintain this forum if a public request was made;
- assuming the secondary forum is not brand new it would appear the public forum has been able to continue its original function (and may have benefitted from evidence independently corroborated);
- for example, the latest abl loan had a mix of contributions from old and new alike that helped improve the loan security for everyone (including Ly investors);
- no public comment from any of the platforms suggests they are first and foremost concerned with dealing with their own boards as they see fit;
- finally, as fintech expands and moves into the mainstream, it may prove impossible to contain all p2p discussion in a single DD repository and users may wish to choose those sources that best suit their investment needs.
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Post by Badly Drawn Stickman on Oct 9, 2017 17:33:01 GMT
Nothing about how DD Central will operate has been decided, including who would be eligible for membership. A focus group made up of some forum members we selected plus some those members nominated has been discussing a variety of issues around the DD Central concept and how it could work for c. 3 weeks. They have been joined by a couple of four volunteers who have expressed an interest in being involved over the last 24 hours. The views expressed in that focus group will flesh out the concept before it is launched, hopefully within a few weeks. (And will of course take into consideration points raised on this thread as well.) I am reliably informed that 'Sorting hat' is a term being used on the forum, for this new enterprise.
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star dust
Member of DD Central
Posts: 2,998
Likes: 3,531
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Post by star dust on Oct 9, 2017 17:36:53 GMT
One final question for Mods. What do you get out of this, really? Do you do it for the love of the hobby? Is it because you simply want to help others? Is it because you might have access to information you otherwise would not? As I understand it, the mods are completely unpaid? Assuming you get absolutely nothing in direct compensation, there must be a reason each of you commits his/her time, even if it's simply for the love of interaction with fellow p2p'rs? I really would be interested to know why each of you became a mod (truthfully) and why you continue to commit your time? Perhaps with the leaving of 60 or so users (thought it sounds like all didn't actually leave as such), these reasons no longer exist? Here’s my take on that question. I have recently been very seriously questioning why on earth I am still a member of forum staff, or for that matter this forum, and I’m not quite sure why I am posting this, but what the hell. Let me point you to this post p2pindependentforum.com/post/99994/thread – it was true. I started my P2P like quite a few others on the Zopa forum. For reasons I am not intending to share, P2P saved my financial bacon and quite literally allowed me to put food on the table without raiding my lifetime of savings and investments, which thankfully are still largely intact. I progressed to this forum in it’s early days when it had less than 500 members. I shall be perpetually grateful for the freely shared information and insights that I gained from this ‘community’ then. The forum and P2P became more popular and the noise factor increased significantly to the point I was poised to ‘exit’ because the whole ‘experience’ was too unpleasant. At exactly this time I was asked if I would consider modding – I could see extra help was needed and after due consideration, I decided rather than absent myself from the forum, I would like to help do my bit to give back to the wider P2P community (that I had benefited from) and keep the forum as inviting, encouraging and informative for all existing and importantly new members as possible. I was early retired, background not finance but ‘community’ centric development, and had spare time on my hands which I have spent an incredible amount of here. Thankless isn’t the word for it, registerme omitted to inform you there are also in excess of 6000 reported posts in the moderator “cosy lounge” and I would estimate 70% of them required some kind of discussion before action could be agreed or completed. The notion that as forum staff we have access to our own private DD is quite frankly risible; to be honest I don’t even know exactly which platforms we all individually invest in. I am not a big hitter and my investments aren’t spread over many platforms, my own DD nosedived because I was too busy here, and I can honestly say I actually missed out on P2P opportunity and possibly lost money too because I was looking the wrong way. I would say I have zero influence and the very limited interaction I have with Platforms was there before I became a member of the forum staff team. My motivation is to do my best for the wider and growing P2P community as it possibly heads towards the mainstream - this is a public forum the staff here want to make sure as far as is possible that 'ordinary' members are not being deliberately misled. That is why Platform Reps are flagged, people earning from P2P such as bloggers are flagged, journalists are flagged, loan introducers are flagged etc; so that ‘ordinary members’ are aware of the possible motivations behind what people say. Of course there are always those trying to fly under the radar so we have an uphill struggle. However, where this is knowingly subverted, even if only in appearance, in my view it undermines the legitimacy of the forum, to the point I may no longer wish to be associated with it, never mind the rest.
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Post by Deleted on Oct 9, 2017 18:00:44 GMT
Evening star dust , I like your openness as expressed here it helps a lot with understanding. Thinly stretched, how thin and how many willing volunteers would the forum need today to match membership growth? What are the personal qualities you are looking for to fill your volunteer 'vacancies'. Please share your thoughts. |
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