ozboy
Member of DD Central
Mine's a Large One! (Snigger, snigger .......)
Posts: 3,168 
Likes: 4,859
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Post by ozboy on Jun 27, 2017 22:21:05 GMT
You're a handsome brute Dude .........  ( <- No idea what this emoticon means but thought I'd use it!) |
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Post by martin44 on Jun 27, 2017 23:16:58 GMT
( <- No idea what this emoticon means but thought I'd use it!) That's the emoticon for "I think that's Roger Moore standing to my right". I always had it as the guy in the pub toilet with the inferiority complex. 
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Post by Deleted on Jun 28, 2017 7:09:40 GMT
A little more like these guys content to accept one another's differences...
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Post by lendinglawyer on Jun 28, 2017 9:53:24 GMT
A little more like these guys content to accept one another's differences...
Is that supposed to be CD and GT debating investment strategies?
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GeorgeT
Member of DD Central
Posts: 1,322
Likes: 1,576
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Post by GeorgeT on Jun 28, 2017 20:40:07 GMT
CD and me are best of friends really. In fact I sat next to him on the tube only yesterday  -  |
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,330
Likes: 11,549
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Post by ilmoro on Jun 28, 2017 21:36:42 GMT
CD and me are best of friends really. In fact I sat next to him on the tube only yesterday - On this occasion CDs DD seems to be lacking as he hasnt taking into account all avaliable information and he may see his return diminishing due to default penalties and recovery action on the part of TfL. 
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GeorgeT
Member of DD Central
Posts: 1,322
Likes: 1,576
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Post by GeorgeT on Jun 28, 2017 23:13:39 GMT
We've had our joke and disagreements but can I just say I want to put this to bed and let me make it clear I have the utmost respect for CD and all of his input on here and the due diligence he does - which is of course very sensible indeed. I am sure his cautious approach will benefit him greatly in the years to come and I hope that is the case -
because people who put in effort and are careful about what loans they invest in do deserve to be rewarded for their extra diligence and care.
I think it is the case that the way LY's default policy is at present it has rather created a bit of a level playing field but things are changing and I am sure that in the months to come those who have undertaken due diligence will see a benefit in that.
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Post by mrg on Jun 29, 2017 5:33:15 GMT
With regards to this long running debate of who has the best strategy perhaps I can help. One of you is an investor the other is a trader. For any market to work well you need both. So am very thankful for you both. Keep up the good work.
As to which strategy will work best. In the long run I think you will both achieve the same return.
I also think you both work as hard as each other. CD puts in a lot of time up front then invests and sits back. Georget spends the time logging into the site and accessing what to buy and sell, and monitoring his sales and looking for places to reinvest. As a result you both work hard and both will be rewarded.
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mrflush
Member of DD Central
This is not me
Posts: 98
Likes: 40
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Post by mrflush on Jun 30, 2017 14:40:34 GMT
No doubt the chimps will forward my email in due course sometime today.
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Post by p2plender on Sept 28, 2017 1:26:39 GMT
Am kind of thinkin it's time to bump this one..
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copacetic
Member of DD Central
Posts: 306
Likes: 667
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Post by copacetic on Sept 28, 2017 12:42:50 GMT
It seems the recent glut of bad news has spooked some investors to sell out completely as there seem to be some good loans (or at least loans I'm happy with holding) on offer like DLF003 50k, DFL022 65k, PBL168 200k (!).
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invester
P2P Blogger
Posts: 612
Likes: 618
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Post by invester on Sept 28, 2017 12:47:58 GMT
Is it not me but for some of the loans with really big availability, there seems to be a significant deviation of risk from the original offering.
How comes these loans have not been suspended as per the 'regulatory requirements' excuse in the Exeter loans?
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Post by loftankerman on Sept 28, 2017 13:26:52 GMT
It seems the recent glut of bad news has spooked some investors to sell out completely as there seem to be some good loans (or at least loans I'm happy with holding) on offer like DLF003 50k, DFL022 65k, PBL168 200k (!). I'm not risk averse when the risks are pretty much what I'd expect in any particular field and I don't risk anything that I'd be feeling totally gutted about if the worst happened. However when there are regular movements of goalposts and rules of the game, and elements of the quantifiable risks turn out to be little more than fanciful marketing window dressing, then there is nothing that can really be assessed as a good loan. The imminent end game of some current loans is evidence of that. I felt a wind of change here in March. Since then I have doubled my overall investment in P2P but reduced my Lendy investment to 20% of the March total. I have four Lendy loans at present and am as moderately confident about three of them as I can be. I'm not investing in any further Lendy loans but will reconsider the situation if they are still around and have smartened themselves up in a couple of years. I have said in previous posts that their characteristic behaviour is one of the desperation of a company that is circling the drain. I hope for everyone's sake that I have misread things and one day I can come back with a measure of confidence that I first had on finding Saving Stream.
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Post by picanto on Sept 28, 2017 13:33:27 GMT
For me it's all about how many repaid loans there are each month. At the start of September I was expecting a few loans to be repaid based on the information Lendy had provided in their fortnightly updates. But there has only been one partially repaid loan and we're almost at the end of September. If October produces a few repaid loans my confidence (and I imagine other investors confidence) would quickly come back and we can start getting some liquidity into the SM. But right now I'm not panicking by any means but my confidence in Lendy is somewhat wavering.
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lobster
Member of DD Central
Posts: 636
Likes: 467
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Post by lobster on Sept 28, 2017 13:49:05 GMT
Well the automated deposit system is currently down, which is not doing anything to help liquidity at all, is it Paul64 ? I'm sure that plenty of this liquidity (at least the higher quality loans) would have been mopped up if only lenders had been able to deposit funds into their accounts. C'mon Lendy - this isn't good for sentiment at all, please sort out the auto-deposits asap . |
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( <- No idea what this emoticon means but thought I'd use it!)
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