|
Post by TomBola on Sept 14, 2017 20:44:31 GMT
Like some others on here, I plan to just let my account drift Mary Celeste style after the 18th. Not buying not selling, just collecting payments and recoveries as I go. I'm more or less done now tidying up, just need to swab the poop deck, lower one of the lifeboats and I'll row off into the distance.
I'll log in occasionally to transfer money back to my bank, but there will be no decisions to make, nothing to learn, where's the fun in that?
BTW will meaningful discussion on here cease on the 18th? What would be the point in discussing any particular loan if it's loan parts could only be won by chance at the FC roulette table?
|
|
|
Post by TomBola on Aug 24, 2017 14:41:33 GMT
Some of my favoured loans must have been taken out by the same borrower, but there seems to be no way of identifying which. There is no Borrower ID in any of the reports or downloads. Even the loan book doesn't include this. Am I missing something? The loan book doesn't have a borrower ID, but it does have a column related_auctions If you filter down to the loans you hold, then none of your loans should appear in the "related_auctions" column... unless you're lending to the same borrower through two related loans. Thanks sl75, that worked. I hadn't realised related_auctions meant loans, and I've learned how to use Excel COUNTIF into the bargain.
|
|
|
Post by TomBola on Aug 24, 2017 11:14:27 GMT
Yes you are: This figure is based on the total currently invested If you have £2000 invested in total across 100 business then your diversification is 1% (20/2000*100) If you sell 10 loans parts (10*20 = £200) , then your remaining diversification will be 1.11% (£20/£1800 * 100) but in theory you're not really any worse off than you were before. Thanks for that – I understand your reasoning. Using my actual figures….. Currently lending to 142 businesses (143 loan parts) Your maximum exposure to any one business is 1.5% of your current amount lent.
As all my loans are about the same size and all of my loan parts relate to different loans, so if I could just find out which business I have given 2 loans to, I could remediate this easily. I don’t see how I can identify the business and therefore the loan I need to sell.
|
|
|
Post by TomBola on Aug 24, 2017 10:42:17 GMT
As we move towards this new world of fluffy kittens and fairness, I've decided to not accept the new Ts & Cs and just let my loans run down.
In preparation for this (and while I still can), I've been identifying which loans won't be staying with me after Sept 18th, selling them at a small premium or lobbing them at par into the jaws of Autobid.
In slimming down my loans, I've unwittingly moved from a diversified portfolio to a non-diversified one. (According to the summary page my exposure to any one business is >1%). This wasn't my intention at all.
Some of my favoured loans must have been taken out by the same borrower, but there seems to be no way of identifying which. There is no Borrower ID in any of the reports or downloads. Even the loan book doesn't include this.
Am I missing something?
|
|
|
Post by TomBola on Aug 15, 2017 10:35:38 GMT
Fixed by FC. Solved by lonerifle.
|
|
|
Post by TomBola on Aug 12, 2017 16:42:37 GMT
It's back, but the letterbox-view of the loan comments is still not fixed for a PC.
It's still possible to see the loan comments as a full-screen scrollable page on an iPad (and probably similar devices too). There's a thin unmarked scroll bar on the right margin of the screen. Just press and drag this area instead of swiping the screen.
|
|
|
Post by TomBola on Aug 10, 2017 18:53:36 GMT
Anyone else use an iPad to manage their account? I use a 64GB iPad Air 2 (iOS 10.3.3). So reasonably recent and with the latest iOS. Only part of the summary page displays – different parts of the page shows when I refresh. Sometimes I might get the top part of the page only as far down as the top half of the pie chart. Other times I get the bottom part but cannot scroll to the top. If I get the bottom part and tap on my loan comments - more details, I get the first 1.5 paragraphs of comments, no scroll bar for the rest. Great! I’ve told FC, but does anyone on here have a workaround or a suggestion for a ‘settings’ change? My only consolation is that the ‘Sell’ page is unaffected, so I can walk away from this mess if I need to. FC's new policy..... "If it ain't broke, break it". Ok, I’ve just found a really thin and invisible scroll bar on the far right of the summary page. If I press and slide this, I get to see everything on the page. So before today, I could scroll the summary page up and down by swiping any part of the page with my sausage-like fat fingers, now I need to be a concert pianist.
|
|
|
Post by TomBola on Aug 10, 2017 16:48:24 GMT
Anyone else use an iPad to manage their account?
I use a 64GB iPad Air 2 (iOS 10.3.3). So reasonably recent and with the latest iOS. Only part of the summary page displays – different parts of the page shows when I refresh. Sometimes I might get the top part of the page only as far down as the top half of the pie chart. Other times I get the bottom part but cannot scroll to the top. If I get the bottom part and tap on my loan comments - more details, I get the first 1.5 paragraphs of comments, no scroll bar for the rest. Great!
I’ve told FC, but does anyone on here have a workaround or a suggestion for a ‘settings’ change?
My only consolation is that the ‘Sell’ page is unaffected, so I can walk away from this mess if I need to.
FC's new policy..... "If it ain't broke, break it".
|
|
|
Post by TomBola on Jun 10, 2017 19:02:16 GMT
Yes, there are E's at discount not selling.
|
|
|
Post by TomBola on Jun 5, 2017 16:51:53 GMT
As we’re on the subject, one of my loans includes the following loan comment.
"We thank all investors for their patients."
Before receiving this comment, I had assumed that FC staff were only permitted to copy and paste from a standard list of management approved sound bytes.
Someone's been freestyling!
|
|