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Post by barberbookie on Nov 15, 2016 18:42:52 GMT
Monies have been credited now.
Must have seen my post.
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Post by Deleted on Nov 17, 2016 13:59:00 GMT
Just put up a few k of 12% Bolton students if anyone's interested. Cheers for the heads-up, grabbed myself a small portion !!
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elsee
Member of DD Central
Retired:D
Posts: 200 
Likes: 117
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Post by elsee on Nov 17, 2016 14:45:12 GMT
I got the last £80, luckily my deposit went through almost instantly but I'm kicking myself that I didn't put it through first thing when I could have.
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Post by GSV3MIaC on Nov 17, 2016 16:49:40 GMT
Personally I'd long ago decided I'd rather have £x sat in MT account (earning nothing) so I can leap on possibilities like this .. rather than sat in my bank a/c earning 0.00001% or whatever it is this week. As long as 'x' is a smallish part of the MT total I can live with the slight cash drag (others seem to worry more about only getting 11.x% instead of the full 12%). Of course SS's INPL is even easier, but even there I like to keep a small +ve balance so I can sell what I feel like.
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stevio
Member of DD Central
Posts: 2,065 
Likes: 894
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Post by stevio on Nov 17, 2016 17:22:52 GMT
Personally I'd long ago decided I'd rather have £x sat in MT account (earning nothing) so I can leap on possibilities like this .. rather than sat in my bank a/c earning 0.00001% or whatever it is this week. As long as 'x' is a smallish part of the MT total I can live with the slight cash drag (others seem to worry more about only getting 11.x% instead of the full 12%). Of course SS's INPL is even easier, but even there I like to keep a small +ve balance so I can sell what I feel like. So for SS a zero balance isn't enough, needs be positive?
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n
Member of DD Central
Yet another Nick
Posts: 879
Likes: 461
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Post by n on Nov 17, 2016 17:47:06 GMT
Zero is enough to be able to sell, but not buy then sell something less than 7 days old.
You need enough to cover a purchase (if you are fast enough to get one) to leave zero or more, in order to then sell something less desirable but recently purchased.
Edit: On SS.
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littleoldlady
Member of DD Central
Running down all platforms due to age
Posts: 3,045
Likes: 1,862
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Post by littleoldlady on Nov 17, 2016 18:32:21 GMT
Personally I'd long ago decided I'd rather have £x sat in MT account (earning nothing) so I can leap on possibilities like this .. rather than sat in my bank a/c earning 0.00001% or whatever it is this week. As long as 'x' is a smallish part of the MT total I can live with the slight cash drag (others seem to worry more about only getting 11.x% instead of the full 12%). . IIRC Ed did say some time ago that he would look at the possibility of paying interest on cash in the account. Without knowing the details of his business I can't say if this is a realistic possibility or not. I suppose he would need to be deriving some indirect benefit from Client Account money.
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Post by GSV3MIaC on Nov 17, 2016 20:02:24 GMT
Personally I'd long ago decided I'd rather have £x sat in MT account (earning nothing) so I can leap on possibilities like this .. rather than sat in my bank a/c earning 0.00001% or whatever it is this week. As long as 'x' is a smallish part of the MT total I can live with the slight cash drag (others seem to worry more about only getting 11.x% instead of the full 12%). Of course SS's INPL is even easier, but even there I like to keep a small +ve balance so I can sell what I feel like. So for SS a zero balance isn't enough, needs be positive? Zero is enough, but that's zero AFTER I have bought whatever little item attracted my attention, so (assuming I am buying non-zero items) I need to start with a positive balance.
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am
Posts: 1,495
Likes: 601
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Post by am on Nov 18, 2016 11:42:09 GMT
Personally I'd long ago decided I'd rather have £x sat in MT account (earning nothing) so I can leap on possibilities like this .. rather than sat in my bank a/c earning 0.00001% or whatever it is this week. As long as 'x' is a smallish part of the MT total I can live with the slight cash drag (others seem to worry more about only getting 11.x% instead of the full 12%). . IIRC Ed did say some time ago that he would look at the possibility of paying interest on cash in the account. Without knowing the details of his business I can't say if this is a realistic possibility or not. I suppose he would need to be deriving some indirect benefit from Client Account money. I suppose we could lend money to MT at some small rate for use in their float. But whether that would work with instant access - MT would want predictability in the amount of their float - is another question.
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keystone
Member of DD Central
Posts: 718
Likes: 587
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Post by keystone on Nov 18, 2016 12:03:49 GMT
They could offer a 1 year 12% loan note for their float, I'd take them up on it.  |
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elliotn
Member of DD Central
Posts: 3,064
Likes: 2,681
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Post by elliotn on Nov 18, 2016 14:48:43 GMT
Personally I'd long ago decided I'd rather have £x sat in MT account (earning nothing) so I can leap on possibilities like this .. rather than sat in my bank a/c earning 0.00001% or whatever it is this week. As long as 'x' is a smallish part of the MT total I can live with the slight cash drag (others seem to worry more about only getting 11.x% instead of the full 12%). . IIRC Ed did say some time ago that he would look at the possibility of paying interest on cash in the account. Without knowing the details of his business I can't say if this is a realistic possibility or not. I suppose he would need to be deriving some indirect benefit from Client Account money. AC users thought this a bit of a crazy idea after the MLIA dried up: p2pindependentforum.com/post/134149/thread
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littleoldlady
Member of DD Central
Running down all platforms due to age
Posts: 3,045
Likes: 1,862
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Post by littleoldlady on Nov 19, 2016 14:36:49 GMT
IIRC Ed did say some time ago that he would look at the possibility of paying interest on cash in the account. Without knowing the details of his business I can't say if this is a realistic possibility or not. I suppose he would need to be deriving some indirect benefit from Client Account money. AC users thought this a bit of a crazy idea after the MLIA dried up: p2pindependentforum.com/post/134149/threadAs a relative late comer MT can learn from other platforms mistakes. AC's QAA seems to have soaked up most of the good loans leaving the MLIA short. I would not recommend that MT follow the QAA model, I only mentioned that it was popular. AC started it with a cap of £1m but have kept increasing it, possibly because it is more profitable. ISTM to be now far larger than would be needed just to hold cash waiting to be invested, and is being used as a proxy savings account.
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spiral
Member of DD Central
Posts: 964
Likes: 485
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Post by spiral on Nov 19, 2016 16:26:41 GMT
Just logged on to see some Race car available. On bidding, I was limited to £25. After assuming I'd made a mistake and attempting to bid more I couldn't find the invest button.
It then dawned on me that this was a rollover loan which after 25mins still has some available.
I can not find any notification for this rollover and the fact that there is still availability after this time makes me wonder if anyone received notification. If so, when was the email sent?
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archie
Posts: 1,863
Likes: 1,859
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Post by archie on Nov 19, 2016 16:30:25 GMT
Just logged on to see some Race car available. On bidding, I was limited to £25. After assuming I'd made a mistake and attempting to bid more I couldn't find the invest button. It then dawned on me that this was a rollover loan which after 25mins still has some available. I can not find any notification for this rollover and the fact that there is still availability after this time makes me wonder if anyone received notification. If so, when was the email sent? I don't think there was an email, I certainly never saw one. I happened to notice it on the pipeline yesterday. Most people rolled over as usual though.
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spiral
Member of DD Central
Posts: 964
Likes: 485
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Post by spiral on Nov 19, 2016 16:40:08 GMT
I guessed that others hadn't seen it either as within minutes of me posting the last 10 bids only spanned about 5 mins but when I bid at about 1620 the last 10 bids spanned 15 mins.
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