adrianc
Member of DD Central
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Post by adrianc on Oct 18, 2016 13:23:23 GMT
And yes, all loans are bottoms up Probably. Currently. Until SS change their minds again.
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n
Member of DD Central
Yet another Nick
Posts: 882
Likes: 461
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Post by n on Oct 18, 2016 17:46:37 GMT
Hi, I'm still getting used to pre-funding and completely cocked up PBL140 to the tune of 11k  . For bottom-up loans do you put in the max you want and if it is available you get it, if not a pro-rata amount below this.Are ALL loans now bottom-up including > 1 million? Thanks! My bold. There is no pro-rata - everyone who pre-funded at least £125 in DFL007 got exactly £125. Clearly there was enough PBL140 so that the top limit was at least 11K. It would be interesting to know if anyone took more.
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borofan
Member of DD Central
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Post by borofan on Oct 24, 2016 11:58:23 GMT
As I live off my savings and a bit of matched betting, I could do with putting more into P2P even though I getting to stage where I'm feeling overexposed.
Anyway, I have up to another £20k to put in. I'm in two minds whether to put it all into Ratesetter/Zopa, or put £10k into SS and the rest into a half decent interest bank account, which would work out about the same interest which ever I choose.
Opinions?
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oldtimer
Member of DD Central
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Post by oldtimer on Oct 24, 2016 12:11:23 GMT
I don't know if you have any exposure to Moneything, but personally I would put some in there if not, plus some in Collateral, and the rest divided perhaps between Assetz Capital instant access and Landbay. With the bank rate as is I can't see you getting a decent return from any bank accounts.
I also like Bondmason as it is a hands off account. Cash drag is a slight problem there but not too bad.
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Post by george4064 on Oct 30, 2016 10:19:22 GMT
Just want to say a big thank you for posting this, very helpful and answered a lot of my questions!
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stevio
Member of DD Central
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Post by stevio on Nov 30, 2016 13:22:42 GMT
Hi
On the live loans page, it lists interest. This number far exceeds the 1% of live loans I was expecting. Is this the best number to use for expected interest at the end of the month or best to use 1% (on average) of live loans?
Thanks
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elsee
Member of DD Central
Retired:D
Posts: 201 
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Post by elsee on Nov 30, 2016 13:34:50 GMT
stevioIf you go to "my loans" and export to excel a couple of days in a row you can see what your daily interest is. I'm an excel fan and do it everyday on all the sites I'm invested in (where it's possible)
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cooling_dude
Bye Bye's for the PPI
Posts: 2,853
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Post by cooling_dude on Nov 30, 2016 13:36:43 GMT
Hi On the live loans page, it lists interest. This number far exceeds the 1% of live loans I was expecting. Is this the best number to use for expected interest at the end of the month or best to use 1% (on average) of live loans? Thanks That column indicates the total interest that loan has earned you. You have to calculate the expected returns yourself.
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stevio
Member of DD Central
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Post by stevio on Nov 30, 2016 14:13:25 GMT
Hi On the live loans page, it lists interest. This number far exceeds the 1% of live loans I was expecting. Is this the best number to use for expected interest at the end of the month or best to use 1% (on average) of live loans? Thanks There is no Interest column on the Live Loans tab. Possibly you mean the Live Loanparts tab under My Loans? If so, the figure represents the total accrued interest from the time you have owned the loan part(s) to date, which isn't useful for working out periodic interest, whether daily, weekly, monthly, annually. If you go to My Account and click the Tax Statement tab you can set the start and end dates and it will report interest earned for the specified period. Sorry, not explained myself well - just looking to guesstimate the interest received tomorrow, so can put myself in negative balance today, which will be covered by the interest Unfortunately, the tax statement doesn't show interest from 1st-30th Nov for me I can just go with 1% of live loan parts, but didn't know if there was an easy more exact way to take into account any sales during the month
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stevio
Member of DD Central
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Post by stevio on Nov 30, 2016 14:52:13 GMT
Sorry, not explained myself well - just looking to guesstimate the interest received tomorrow, so can put myself in negative balance today, which will be covered by the interest Unfortunately, the tax statement doesn't show interest from 1st-30th Nov for me I can just go with 1% of live loan parts, but didn't know if there was an easy more exact way to take into account any sales during the month When you arrive on the Tax Statement page (today), the default start and end dates are 30/10/2016 and 30/11/2016 respectively. Unless you made a huge amount of credits or debits on 30th October 2016, the displayed amount of accrued interest will be v.close to what you will receive tomorrow. Much closer than a guesstimate of your average investment total across the month anyway, unless the figure hasn't changed at all. If you want a figure that is almost to the penny, just work out your average investment for the month and subtract one day's interest from the reported interest figure on the Tax Statement page for the aforementioned default dates. Thanks, but that tax statement seems to just give me the interest paid for last month or that paid on 01/11/2016 (if I change the dates to 30/10/2016 to 01/11/2016 (from 30/11/2016) the amount remains the same)
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stevio
Member of DD Central
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Post by stevio on Nov 30, 2016 15:20:12 GMT
Thanks, but that tax statement seems to just give me the interest paid for last month or that paid on 01/11/2016 (if I change the dates to 30/10/2016 to 01/11/2016 (from 30/11/2016) the amount remains the same) I see what you mean. There's only been a small number of occasions where my own investment total has significantly changed, so the reported figures have been close. Beyond tracking each loan part with Excel, I don't see how you will be able to get a more precise figure if your totals tend to fluctuate greatly - sorry. No worries, thanks for trying, thought worth asking if there was a quick solution
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ablender
Member of DD Central
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Post by ablender on Nov 30, 2016 16:49:38 GMT
I think many people have asked savingstream to have this information available on their site. The way I suggest it can be done is that the same column can be used to display both figures and the user will opt to display one of them, perhaps in a settings page. |
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twoheads
Member of DD Central
Programming
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Post by twoheads on Nov 30, 2016 21:28:13 GMT
Hi On the live loans page, it lists interest. This number far exceeds the 1% of live loans I was expecting. Is this the best number to use for expected interest at the end of the month or best to use 1% (on average) of live loans? Thanks If you know the total interest on your account at the start of the month then it's easy (sorry, I expect you know that already):
Add the total interest at the bottom of your 'live loans', 'selling loans', 'repaid loans', and 'sold loans' and then subtract your total interest at the start of the month. This will reveal (roughly) your interest for this month so far.
If you don't know your total interest at the start of the month then I can't think of a quick method and I reckon you're into some spread-sheet work.
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SteveT
Member of DD Central
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Post by SteveT on Jan 30, 2017 13:15:51 GMT
(re-stickying)
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Post by wickedxuk on Feb 11, 2017 16:37:38 GMT
I'm changing my broadband provider soon and will need to change my email address. I can't see anywhere on the platform to update it does anyone know how it's done? Did you ever manage to do this? I've just emailed SS to ask.
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