I wanted to pay it down while the rates were low, 10% would’ve started off ok, but obviously the lower it got, the less that was. Makes sense from the bank’s pov, seems a fair trade-off for a fix.
Always up for a chat
I wanted to pay it down while the rates were low, 10% would’ve started off ok, but obviously the lower it got, the less that was. Makes sense from the bank’s pov, seems a fair trade-off for a fix.
It just feels like a huge gamble. I went the tracker route between 2012 and 2018 only because I didn’t want the overpayment restrictions imposed by fixed deals.
Luckily it worked out, had I gone for a fixed rate I’d still be slowly paying it off, at a higher rate.
For every person who did well, there’s someone else who didn’t, mostly through unlucky timing.
It’s crazy in the UK too, where 3-5 year fixes are common. I’ve know folk who at renewal next year will be paying £500-£800 extra, each month.
My biggest impact has been gas and elec, which maybe added that amount to my annual bill. I can’t imagine the stress.
I got deeply into this (genre?) when I burned out on a combination of playing big/tough games and the stresses of life. I also enjoyed the pace of Outer Wilds and Subnautica. Some other favourites:
There are tons more, I deal with a lot of anxiety!
Some games I was recommended for this purpose that didn’t land for me:
Finally, I’d suggest trying a solo board game. More tactile and relaxing alternative to screen time.
I agree with your last bit, and I know plenty of people who are clearly manipulated by their news feeds and targeted advertising, but I’m not one of them. I don’t use ad blockers because it’s a valid revenue mechanism - I have friends who pay their bills through advertising. But I’m blind to them, I’ve never clicked on an advert and actively avoid suggestions.
I’m worried about the societal consequence, but doesn’t that issue need to be addressed by engaging in the politics, not by me using Google less? Data harvesting is unavoidable without huge inconvenience, and life is hard enough.
I feel the same way about climate change - I can reduce, reuse and recycle all I want, but I see my neighbours driving and flying everywhere and filling their bins every week, I probably sacrifice to make zero difference.
Love that luck analogy, I’ll be using that.
When I’m told I’ve been lucky, it’s sometimes that I’ve just been really deliberate and considered in my actions.
I also find the “just look how bad the hands are heh heh heh” thing so dumb … it’s going to learn how to draw hands pretty quickly
This is not news. Stop upvoting Twitter spam, it’s not even vaguely interesting.
Absolutely fine to politely ask for a salary range, in my experience. I’ve never found they hide it, but the ranges can be broad.
Blaming young adults and families is unfair. Many institutions need to be held to account for advertising outcomes which don’t materialise for their students.
However long it would take me to find a tank of nitrogen to strap to my face for happy sleep time.
My post apocalypse strategy - and the only way to avoid prolonged suffering - is suicide on day 1.
Turns out that’s not a good dinner party answer.
Unfortunately it seems there are no consequences for the universities, and it’s not hard to make those qualifications seem both alluring and lucrative.
There’s got to be a way to hold them to account for the countless graduates who don’t end up finding industry positions.
I’m probably in an echo chamber. I hope that 2nd application goes well for you.
In my experience, good candidates (including interns/juniors) are still landing the roles. Hiring in tech/design/product is tough because there’s a deluge of applicants who’ve either coasted during the boom, or been sold a lie by an educational institution.
You can spot the ones who apply for 40 jobs a week, and those who’ve used chatGPT a mile off, and they’re usually the worst candidates, with long, bland, unfocused resumes.
LinkedIn is full of my worst ex-colleagues bemoaning the lack of opportunities, like they’re entitled to it.
Please tell me if I’m being unfair. Maybe I should be less cynical.
A shameful culprit IMO was the Kermode and Mayo film review. Two wealthy broadcasters (one extremely wealthy) who left the BBC, created an objectively worse show, half of which immediately went behind a paywall. Then they started voicing atrocious adverts and wingeing that people should pay so they could keep the lights on.
They could easily have experimented with a Patreon, but the arrogance was clear.
The only upside was that I felt no pain in dropping them like a stone, but I do miss the old show and never found a good replacement.
I know what you mean, but it would depend on my current situation. Assuming I’ve had to find another job with short notice (and I’m still in my probation period) it could be a great opportunity to leverage a massive pay increase, then spend the next year planning a proper move.
I wouldn’t list it as separate employment on my CV, unless I knew it was going to be scrutinised, in which case, it’s easily explained and reflects pretty well - they wanted me back.
Coddling has the negative connotation - to consistently overprotect. Occasional spoiling is an entirely different and good thing.
You missed my point. I’m ignoring nothing, I’m suggesting OP seek out men who will be supportive, because they’re not hard to find.
I’m certain I could find studies as proof, but don’t we all already know this to be true?
Employers will quickly learn that leashing a person to their laptop will not prevent wasted time, it’ll cause them to waste time in other ways, and will drive away talent. The only harm is when it impacts outcomes, which is easier and more beneficial to track.
It’s pretty obvious when someone is underperforming, you don’t need to know whether they’ve been doing the laundry between meetings.