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Post by martin44 on Oct 2, 2016 20:06:57 GMT
when logged into my saving stream account, i would like to see a small square red box, top of the page, to the left of the loans tab, whenever i log on i would expect this to be 'un-ticked' . however, if any inquiries were ever made from HMRC, or the like... which happened to mention my user name, i would like SS to just place a red tick in said box, hence affording me good time to make use of the liquid SM and HFTH (A SKIPPY ACRONYM) head for the hills.  |
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Post by terminator on Oct 2, 2016 20:44:13 GMT
As has been suggested it would be great if they showed how much interest coming in current month. Should also buy out some of the competition such as MT  |
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ablender
Member of DD Central
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Post by ablender on Oct 3, 2016 6:24:47 GMT
when logged into my saving stream account, i would like to see a small square red box, top of the page, to the left of the loans tab, whenever i log on i would expect this to be 'un-ticked' . however, if any inquiries were ever made from HMRC, or the like... which happened to mention my user name, i would like SS to just place a red tick in said box, hence affording me good time to make use of the liquid SM and HFTH (A SKIPPY ACRONYM) head for the hills. This suggestion needs some adjustment as a red tick in a red box will not show up. Please do keep in mind that the hills may offer little protection.
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greeb
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Post by greeb on Oct 3, 2016 6:44:23 GMT
Would be handy to be able to sort .loans in my loans by amount or days remaining
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mikes1531
Member of DD Central
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Post by mikes1531 on Oct 3, 2016 13:34:52 GMT
Would be handy to be able to sort .loans in my loans by amount or days remaining Or even for the loans on the table of my loan parts and the table of all loan parts to be listed in the same order! (At the moment, one has the newest loans at the top and the other has the oldest loans at the top.)
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adrianc
Member of DD Central
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Post by adrianc on Oct 3, 2016 15:20:18 GMT
Would be handy to be able to sort .loans in my loans by amount or days remaining Or even for the loans on the table of my loan parts and the table of all loan parts to be listed in the same order! (At the moment, one has the newest loans at the top and the other has the oldest loans at the top.) Or even just a fairly obvious numerical order, rather than the order of the "hidden" loan number...
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0risk
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Post by 0risk on Oct 3, 2016 17:28:51 GMT
I'd suggest setting a minimum value for a bid. Maybe £1 or £10.
Decimal values bring distortions when rounding the payments to the nearest penny.
They are also harder to sell.
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Liz
Member of DD Central
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Post by Liz on Oct 3, 2016 17:46:11 GMT
Put defaulted loans in a separate tab. Available Loans | Live Loans | Pipeline Loans | Repaid Loans | Defaulted Loans | Recent Updates That is a good one for savingstream because new members won't immediately see the defaulted loans/s and be scared off. Also, investors can't complain that they accidently bought a defaulted loan, if these loans are segregated.
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jonah
Member of DD Central
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Post by jonah on Oct 3, 2016 18:27:53 GMT
Liz I think you meant can't
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voss
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Post by voss on Oct 3, 2016 18:52:10 GMT
The average remaining term of ones holding - then, after one of those frantic bidding sessions where I try to buy younger loans and sell off older ones, I can immediately see by how much I have managed to improve the average remaining term. Or perhaps others have a different favourite yardstick?
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stub8535
Member of DD Central
personal opinions only. Not qualified to advise on investment products.
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Post by stub8535 on Oct 3, 2016 19:16:21 GMT
On the subject of small loan parts
It seems that bidders like to bid whole pounds on the market in the main. Some like to ensure every penny is invested which can leave fractions of a pound available. If you bid more than is available, where there is a residual of a pound, and you are quicker than others then you will get everything allocated that is available including the pennies.
Example. 101.63 available bid 107 and no other bids come in to beat yours then you will get 101.63.
Are you really going to worry about halfpenny rounding? Really, in the whole scheme of things!
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adrianc
Member of DD Central
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Post by adrianc on Oct 3, 2016 19:22:10 GMT
The average remaining term of ones holding - then, after one of those frantic bidding sessions where I try to buy younger loans and sell off older ones, I can immediately see by how much I have managed to improve the average remaining term. Or perhaps others have a different favourite yardstick? Would Sir weight that average by amount in each loan, or just simply at a loan level?
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Post by martin44 on Oct 3, 2016 19:40:41 GMT
On the subject of small loan parts It seems that bidders like to bid whole pounds on the market in the main. Some like to ensure every penny is invested which can leave fractions of a pound available. If you bid more than is available, where there is a residual of a pound, and you are quicker than others then you will get everything allocated that is available including the pennies. Example. 101.63 available bid 107 and no other bids come in to beat yours then you will get 101.63. Are you really going to worry about halfpenny rounding? Really, in the whole scheme of things! Quite right, not me, if my money is invested and earning 12% i do not give a monkeys what the denominations are.
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voss
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Post by voss on Oct 3, 2016 19:56:41 GMT
The average remaining term of ones holding - then, after one of those frantic bidding sessions where I try to buy younger loans and sell off older ones, I can immediately see by how much I have managed to improve the average remaining term. Or perhaps others have a different favourite yardstick? Would Sir weight that average by amount in each loan, or just simply at a loan level? Sir? Guess one asked for that Weighted.
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0risk
Member of DD Central
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Post by 0risk on Oct 3, 2016 23:01:34 GMT
Are you really going to worry about halfpenny rounding? Really, in the whole scheme of things! I think the rounding system is flawed and it can be exploited in a number of ways. I demonstrated a way in which someone can double his return ( link). Also, if you have ten pieces of loan of £9.70, you'll get the same return of £100 in each month. That doesn't make much sense. There may be others forms of exploitation, and this is bad for the platform.
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