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Post by chris on Oct 29, 2014 17:52:16 GMT
chris - am I right in saying that on the dashboard the "Your Average Interest" is not being weighted according to loan size? I have picked up bits and pieces here and there, which I would have thought would have nudged the rate by at least 0.01% (it's to 2 dp)....but no. It's been stuck at the same rate ever since the new site appeared. Hence I'm guessing it's an average of the loans I am in, but not weighted according to the holding? If so, it's a bit meaningless. I thought it was but didn't code that so will have to check. It may not include accrued interest for sold loan units though, being only based on your current holdings.
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Post by chris on Oct 29, 2014 17:53:24 GMT
chris, now that we can adjust our targets for "coming soon" loans, I'd like to re-ask a question that got missed the other day. The loans on which I have shadow bids all display a target of nil. Do I need to change my targets to equal the shadow bids, to stop the AI selling my loan parts as soon as the loans go live, or not? Apologies if I've missed it; did we get an answer on this one? Your target will be set to match your holdings on draw down, but I'm working on a way to disable manual investment for a given loan until lender activated, and when available we'll use that instead.
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Post by chris on Oct 29, 2014 17:54:02 GMT
My dashboard circle suddenly seems to have thrown a wobbly and is showing 74.6% (cash account) 25.4% (MLI) - I thought maybe something had been paid back (one of those pesky bridges perhaps  ) but alas no, still only circa £5 in my cash account. I tried changing some customizable dashboard settings, but its made no difference - had previously been around 99%, am I missing something obvious? Will raise it with the front end team
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Post by Jack Barlow on Oct 29, 2014 17:54:39 GMT
chris - am I right in saying that on the dashboard the "Your Average Interest" is not being weighted according to loan size? I have picked up bits and pieces here and there, which I would have thought would have nudged the rate by at least 0.01% (it's to 2 dp)....but no. It's been stuck at the same rate ever since the new site appeared. Hence I'm guessing it's an average of the loans I am in, but not weighted according to the holding? If so, it's a bit meaningless. Interesting, mine's only displaying 1 decimal place. Mine tallies with the weighted average. chris any chance of including more decimal places in a hover-over pop-up?
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Post by Jack Barlow on Oct 29, 2014 18:00:16 GMT
My dashboard circle suddenly seems to have thrown a wobbly and is showing 74.6% (cash account) 25.4% (MLI) - I thought maybe something had been paid back (one of those pesky bridges perhaps ) but alas no, still only circa £5 in my cash account. I tried changing some customizable dashboard settings, but its made no difference - had previously been around 99%, am I missing something obvious? Will raise it with the front end team , on a related issue, the grey circle disappears (i.e. turns black) when the MLIA split equals 100% (i.e. no cash in cash account), whereas I would expect it to be all grey. Is anyone else seeing this happen?
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Post by chris on Oct 29, 2014 18:01:30 GMT
Will raise it with the front end team , on a related issue, the grey circle disappears (i.e. turns black) when the MLIA split equals 100% (i.e. no cash in cash account), whereas I would expect it to be all grey. Think the front end guys worked on that today which may explain the changes. Might be more work needed.
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Post by Come_on_Grandad on Oct 29, 2014 18:02:30 GMT
chris - am I right in saying that on the dashboard the "Your Average Interest" is not being weighted according to loan size? I have picked up bits and pieces here and there, which I would have thought would have nudged the rate by at least 0.01% (it's to 2 dp)....but no. It's been stuck at the same rate ever since the new site appeared. Hence I'm guessing it's an average of the loans I am in, but not weighted according to the holding? If so, it's a bit meaningless. Interesting, mine's only displaying 1 decimal place. Mine tallies with the weighted average. chris any chance of including more decimal places in a hover-over pop-up? 2 dp for me when included as a component of the customisable dashboard. and yes, it is weighted by holdings.
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
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Post by ramblin rose on Oct 29, 2014 18:14:36 GMT
Will raise it with the front end team , on a related issue, the grey circle disappears (i.e. turns black) when the MLIA split equals 100% (i.e. no cash in cash account), whereas I would expect it to be all grey. Is anyone else seeing this happen? I'm in that position, and my circle is all grey as you would expect.
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kermie
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Post by kermie on Oct 29, 2014 18:26:18 GMT
Interesting, mine's only displaying 1 decimal place. Mine tallies with the weighted average. chris any chance of including more decimal places in a hover-over pop-up? 2 dp for me when included as a component of the customisable dashboard. and yes, it is weighted by holdings. Likewise - on the customisable dashboard. Glad to hear it is weighted, thanks all. Does this mean that others have actually seen their "Your Average Interest" rate change over time, then? I've picked up more than just shrapnel since site-change-over which I can't believe hasn't nudged it by even 0.01%...but maybe I'll wait it out and see what happens.
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mikeb
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Post by mikeb on Oct 29, 2014 18:36:21 GMT
chris - am I right in saying that on the dashboard the "Your Average Interest" is not being weighted according to loan size? I have picked up bits and pieces here and there, which I would have thought would have nudged the rate by at least 0.01% (it's to 2 dp)....but no. It's been stuck at the same rate ever since the new site appeared. Hence I'm guessing it's an average of the loans I am in, but not weighted according to the holding? If so, it's a bit meaningless. It's 1 DP in the MLIA grey band of the display, it's 2 DP in the "Customisable Panel" at the top, if you flip to Average Interest in one part of it. It does seem to be weighted by holding (I've been working out my own %ge from on the old site where it wasn't displayed, and did it weighted, when the new figures came up they tallied).
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Post by Ton ⓉⓞⓃ on Oct 29, 2014 18:44:36 GMT
My dashboard circle suddenly seems to have thrown a wobbly and is showing 74.6% (cash account) 25.4% (MLI) - I thought maybe something had been paid back (one of those pesky bridges perhaps ) but alas no, still only circa £5 in my cash account. I tried changing some customizable dashboard settings, but its made no difference - had previously been around 99%, am I missing something obvious? There's still something slightly wrong here, the problem as I see it is that it may say cash %age but the figure is for the MLI a/c And when you flip it to show it the other way it says MLI cash but in fact it's the cash a/c. Maybe I'm missing something (MIMS!) IN EDIT kermie my Average Int. has varied only by 0.03 pts
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mikes1531
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Post by mikes1531 on Oct 29, 2014 20:21:28 GMT
If I transfer capital out of a mortgage account [or my solicitor's client account] to pay for a house, and receive my rent into my current account, my bank doesn't show the rent as arriving in my mortgage account [or elsewhere] and immediately being transferred back to my current account, which seems to me the equivalent of what was described a couple of posts ago, and seems utterly ridiculous to me. I'm not sure it's either ridiculous or non-standard practice. I have a number of building society accounts that pay interest monthly to my current account. Every month there are three entries on the BS account statements -- Gross interest received, Tax taken off, and Net interest paid away. The account balance after these transactions is unchanged from what it had been before them. I don't see that as being very different from what has been suggested here.
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mikes1531
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Post by mikes1531 on Oct 29, 2014 20:35:11 GMT
chris, on a related issue, the grey circle disappears (i.e. turns black) when the MLIA split equals 100% (i.e. no cash in cash account), whereas I would expect it to be all grey. Is anyone else seeing this happen? I'm in that position, and my circle is all grey as you would expect. I'm in a similar position, but my circle is mostly grey with a bit of AC purple. 
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mikes1531
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Post by mikes1531 on Oct 29, 2014 20:43:12 GMT
My dashboard circle suddenly seems to have thrown a wobbly and is showing 74.6% (cash account) 25.4% (MLI) - I thought maybe something had been paid back (one of those pesky bridges perhaps ) but alas no, still only circa £5 in my cash account. I tried changing some customizable dashboard settings, but its made no difference - had previously been around 99%, am I missing something obvious? There's still something slightly wrong here, the problem as I see it is that it may say cash %age but the figure is for the MLI a/c And when you flip it to show it the other way it says MLI cash but in fact it's the cash a/c. Maybe I'm missing something (MIMS!) : I don't understand any of your comment above. My chart looks like the image in my previous post. I don't see any reference to cash percentage, and I don't see anything that would allow me to 'flip' it. Am I looking in the wrong place? Where are the controls?
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mikes1531
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Post by mikes1531 on Oct 29, 2014 20:47:11 GMT
Does this mean that others have actually seen their "Your Average Interest" rate change over time, then? I've picked up more than just shrapnel since site-change-over which I can't believe hasn't nudged it by even 0.01%...but maybe I'll wait it out and see what happens. I have seen mine change, but only by 0.01%. If any of the defaulted bridging loans paying 18% ever are repaid, the number should change by a significant amount!
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) but alas no, still only circa £5 in my cash account. I tried changing some customizable dashboard settings, but its made no difference - had previously been around 99%, am I missing something obvious?
