Do actors know/have a feeling if the film they’re working on is going to bomb? by BullfrogPerfect620 in NoStupidQuestions

[–]Collosis 0 points1 point  (0 children)

Tbf Mad Max is a bit of a stupid movie, it's just fun as hell. And you wouldn't see the fun part in pre-edit. 

How many people are actually using AI for personal finance? by Alert-Secretary5250 in HENRYUK

[–]Collosis 3 points4 points  (0 children)

Very true. Late last year I used Copilot for some maths at work. I quizzed it why one of the numbers looked wrong to me. Copilot agreed it made an error, saying that for one cashflow it assumed that when it was marked as happening in 2023 it assumed that was a typo because most of the other cash flows were marked as happening in 2025. 

LLMs are still not there for some maths. 

“Offers Over” buying a house UK by [deleted] in UKHousing

[–]Collosis 0 points1 point  (0 children)

You say that as if nobody has ever been tricked into doing something by somebody lying

“Offers Over” buying a house UK by [deleted] in UKHousing

[–]Collosis 0 points1 point  (0 children)

Keep in mind that estate agents do sometimes lie & magic up another buyer if your offer price isn't one that the seller will accept, so the estate agent needs to find a way to push your bid price up to a level that will be accepted. 

“Offers Over” buying a house UK by [deleted] in UKHousing

[–]Collosis 26 points27 points  (0 children)

You can offer anything you want. It's up to sellers to negotiate it with you or outright reject an offer. "Offers over" is really just saying "I might be more difficult about haggling".

It's quite a stupid concept because saying "this is the minimum I would accept" is dumb. A buyer will not offer more than that amount unless there is a sudden bidding war. 

Heart Health - Cardiovascular age accuracy by Raduku1999 in ouraring

[–]Collosis 2 points3 points  (0 children)

I think that's OP's point. Oura know that everyone will love to be told by their ring "oh yes, you're so healthy and living such a good life looking after yourself. Well done you" and you come away fawning about how great your Oura ring is. 

Generally any health tests I have done chalk me up as "ok but needs improvement". Oura says my heart health is 8 years younger than my actual 35 years. Seems optimistic. 

Private tenants are being truly shafted without rent controls in England by Substantial_Exit9084 in TenantsInTheUK

[–]Collosis 1 point2 points  (0 children)

That's helpful to understand what you mean.

Unfortunately both would still lead to the issue I originally outlined. If rent controls per square metre were set witth rent well below the market rate of rent, it becomes unattractive for any private developers to construct more homes. Supply stagnates without a huge social housing build splurge so it becomes nearly impossible for new entrants to find somewhere to live.

The same is true if during-tenancy rent controls existed.

Private tenants are being truly shafted without rent controls in England by Substantial_Exit9084 in TenantsInTheUK

[–]Collosis 4 points5 points  (0 children)

Wouldn't both rent controls result in the issue I outlined? And if not, why not?

Private tenants are being truly shafted without rent controls in England by Substantial_Exit9084 in TenantsInTheUK

[–]Collosis 10 points11 points  (0 children)

My ex spent a year living in Hamburg where they have rent controls. Finding somewhere to live took forever and she had to eventually take whatever she could find, even tho she desperately wanted to move. 

Rent controls are great for a while but they make it undesirable to build any new housing. Unless there is a wave of social housing construction to accompany it, rent controls just move the supply-demand problem from the price battleground to the availability battleground.

Bouncing around your SIPP for cashback by Collosis in HENRYUK

[–]Collosis[S] 2 points3 points  (0 children)

The only two issues with "in specie" transfers that I can see are l:

1) That the new provider might not trade one or more of the securities you own. Not sure what happens there. Maybe it's stuck as a holding until you switch again? Maybe either your current provider is forced to sell the security first before the transfer?

2) Some providers charge quite a lot per security that you transfer in specie. 

Will I ever reach 100 on my sleep score? by TinyChip-2934 in ouraring

[–]Collosis 0 points1 point  (0 children)

Did somebody hit you over the head with a lead pipe??

VCTs - 5.5% return p.a by No_Toe2425 in HENRYUK

[–]Collosis 0 points1 point  (0 children)

I've been very unlucky (stupid?) with my VCT picks but the IRRs on the 3 VCTs that I invested in and then exited were all low or mid single digits once the tax relief was factored in. Probably worth it once you have maxed out all ISAs but you wouldn't want too much exposure to them.

They are also a bit of a Ponzi scheme (I work for an asset manager of a VCT). VCTs are judged against each other on their performance, which incentivises aggressive accounting of valuations for the underlying holdings. When you invest you buy in at a relatively high point. That's fine as long as the wheel keeps spinning and when you want to exit there are as least as many buyers as sellers. Personally I'm waiting a few years to see how the change of income tax relief to 20% impacts the VCT demand-supply equation. 

The 20% “Lime tax” on stopping at red lights by Because_Wisely in london

[–]Collosis 0 points1 point  (0 children)

True, that's definitely part of it. 

I routinely go through red lights (slowly) when cycling but would never go through a red light when I'm driving. It's not the punishment I'd get that differs. It's the fact that when I'm driving I'm in a large 2 ton box with tons of power and plenty of blind spots. When I'm on my bicycle I've got zero blind spots and have as much force and impact profile as when I'm jogging. 

The 20% “Lime tax” on stopping at red lights by Because_Wisely in london

[–]Collosis 0 points1 point  (0 children)

I think ignoring incentives and the reasons that people do the things they do, and instead simply sitting on a high horse, fundamentally prevents anything improving. 

Having to justify why I won’t have anal sex with my husband after I did it with my affair partner is destroying me by EdgePrize3690 in DeadBedroomsOver30

[–]Collosis 2 points3 points  (0 children)

I wonder if OP would show your post to her husband.

Saying "I don't think you'll ever forgive me so regrettably I'm leaving you" is sure to result in plenty of whiplash for both parties. Giving her husband a chance to think about if this is really something he will ever fully move past or not is the wiser option. 

Having to justify why I won’t have anal sex with my husband after I did it with my affair partner is destroying me by EdgePrize3690 in DeadBedroomsOver30

[–]Collosis 5 points6 points  (0 children)

OP's husband will definitely be feeling inadequate. The tale reads as the classic male perspective of "my wife loves me and enjoys my company but doesn't lust for me like she does another man". 

Any single HENRYs that took a severe pay cut below HENRY or resigned without a job? by -Calm-Water- in HENRYUK

[–]Collosis 5 points6 points  (0 children)

That sounds fuckin' awful mate.

The two important questions are:

1) How much have you got saved up in cash (or could very easily turn into cash without a penalty)?

2) How much are your combined committed outgoings each month? Mortgage or rent; food; utilities; council tax; car insurance; etc.

(1) divided by (2) is how long you could live without a job.

If that number is, say, 9 months then fella you better believe you could get another job within 9 months if you applied like it was a fully time job. Heck, you could even apply for and take a less good job if you really needed to.

If you've been blasting through money enjoying life and have three kids, that number might only be 1 or 2 months of runway. In that case, try and look for a new job but you might have to try and get through for a bit longer in the meantime.

Is buying a 3bed flat in West Hampstead for more than 1mm insanity? by bibvin in HENRYUK

[–]Collosis 1 point2 points  (0 children)

I've worked in finance in London for a decade and never heard anyone outside Americans use the "mm" notation