jimbob
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Post by jimbob on Dec 11, 2015 18:53:52 GMT
Is there anything up with the ring and necklace loan ?
I'm in the middle of transferring my £25, but it seems suspiciously slow to shift and am surprised its still available !
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Dec 11, 2015 18:34:59 GMT
There is £463047 available on the SM most of which i guess belongs to "Sal" as we are locked in for a year. That's only £2315.20 ? £23152 in fees assuming everyone has to pay including the fairy godmother. As everyone there has presumably diversified as far as they want that's 463 people who need to join and diversify to £1000 to wipe that out. Not sure what they hope to gain by charging fees if its mostly internal.
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Dec 10, 2015 7:44:23 GMT
Well I got just over a hundred quid, which is what I was looking for.
No system is perfect, but this is a big improvement over the previous trigger finger.
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Dec 8, 2015 13:42:31 GMT
Hmm I've pledged £300, looking to get between £50 and £100 tbh...
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jimbob
Member of DD Central
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Likes: 74
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Post by jimbob on Dec 3, 2015 12:56:17 GMT
I'd have liked to have bid on this one, but how do I know when the loan is going to appear ? Is there a text message alert system or some such we can sub to ? I'd like a slice of the container loans - but have no idea when they will be up
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Nov 21, 2015 1:16:32 GMT
Sounds like a real toxic stew. Not in this one, but I am in 14918 for my sins. Odds on guarantor making Nov repayment ?
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jimbob
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Posts: 317
Likes: 74
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Post by jimbob on Nov 20, 2015 23:50:09 GMT
Interesting.
That £1000/£500 tax free interest kicks in from next FY right ?
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jimbob
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Post by jimbob on Nov 19, 2015 17:21:51 GMT
1.5% available on as little as £100 ! Nice for us minnows
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Nov 19, 2015 15:19:02 GMT
Hmm, my minimum needed P2P zero loss return rate is 3.0%.
I suppose everyone will be different. (HR taxpayers on offsets may well be a touch higher, whereas cash rich, low income pensioners mortgage free may well just need anything above 0%)
A 1% rise would see me cashing out of Club Lloyds, not Ratesetter though.
Wouldn't rates on Ratesetter/Zopa and the other low risk; low reward p2p Cos head up with any BoE rise though ?
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Nov 19, 2015 13:10:22 GMT
Looks like Lending Crowd got the balance just right on the S********* S****** H loan. So all off to O******** for our hols next summer ?
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jimbob
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Post by jimbob on Nov 19, 2015 12:43:01 GMT
Looks good, added my tuppence ha'penny (£100) to the loan ^_~
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Nov 17, 2015 17:48:18 GMT
Sorry jimbob, are you talking about becoming a lender and needing to be on the voters roll? Your lender check
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jimbob
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Post by jimbob on Nov 17, 2015 17:40:44 GMT
I am on the electoral roll, but not the one available for commercial purposes. Does that affect anything ?
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jimbob
Member of DD Central
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Post by jimbob on Nov 17, 2015 17:26:28 GMT
One concern I have about nursing homes, regardless of the demographics (a comment I agree with), is the combination of the introduction of the living wage next year with continued downward pressure on fees paid by local authorities for care / carers. I'm not sure how viable the businesses will be in the long term (much like primary schools and other businesses / industries that rely on low paid staff and can't command any kind of price premium). Fees will go up; and the equity in the patient's houses will pay for it.
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jimbob
Member of DD Central
Posts: 317
Likes: 74
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Post by jimbob on Nov 17, 2015 17:16:43 GMT
The Swansea care home looks the pick of the bunch to me.
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