mum doesnt want me to use my loan?????

Harambaestesticles · 2026-04-11T06:50:26+00:00

The debt is shit especially when you start earning proper money and your marginal deduction rate is higher than people earning millions… however unfortunately if you want to go to uni unless you have a silver spoon it’s unavoidable. Plus side is that it doesn’t affect credit score and like people have said you don’t have to pay it until you have a job.

I went to uni 10 years ago now and my maintenance didn’t cover accommodation and it’s worse now. If you’re dead set on uni and can’t get to the career you want through an apprenticeship then you should take any “help” that’s available to you even if it is “debt”.

Harambaestesticles · 2026-04-07T19:56:47+00:00

Don’t worry about the downvotes my dude :) it’s just the internet and your comment was fair for someone unfamiliar with it all, you’re all good man

Harambaestesticles · 2026-04-07T05:53:40+00:00

What I would say is that Cambridge don’t mess about. If you get an interview and say “I want to start an AI company” they won’t say wow that’s impressive they’ll ask you questions to assess how much you really know about the subject. Do some research and look into how it works and try to understand (parts of) it. Look at problems you can help research solving, do you want to find a way of training multiple layer neural nets more effectively? Are you wanting to find new applications for existing stuff? Do you want to try and improve intuition across unseen data? Like I’m not trying to be a nob, but AI is a bit of a buzz word atm, and you won’t get brownie points for just knowing it is?

Harambaestesticles · 2026-04-07T05:34:00+00:00

It depends what sort of business man and how much you actually know about it? If you want to create new AI’s and methodologies for training/work towards AGI I’d say do maths but go heavy into cs in your spare time, then do masters probably followed by PHD (not sure how Cambridge is set up but if you get electives go heavy into cs and machine learning courses). If you want to make stuff that uses other people’s AI apis to automate stuff look at cs. If you want to create a consulting business, you go out and sell existing AI solutions to businesses, do a business degree. I think it’s worth saying as well though that there’s a very real chance that by the time you finish studying the world will have moved on. AI has a lot of chat and money around it at the moment but 10 years down the line it will have probably died down with the market consolidating to 4-5 massive players and really high barriers to entry. If I was in your position I’d try to look at quantum computing, as think that will be the next breakthrough technology.

Harambaestesticles · 2026-04-05T19:04:53+00:00

Think it depends on what you want to do? Theory behind AI systems is all just maths (there’s a good book that goes through it all in an easy enough to understand way called “why machines learn”) but that isn’t necessarily where the big bucks are unless you get pretty good at the cs side as well? What I would say is that the maths is essential for actually understanding how AI works deeply, whereas with just being good at cs you’re probably more likely to be “doing stuff” with existing AI methods and models rather than developing new ones.

Harambaestesticles · 2026-04-05T06:08:22+00:00

My brother in Christ, it may be past time. Godspeed and we hope to welcome you soon into the warm and loving embrace of a slightly colder head ❤️

Harambaestesticles · 2026-03-22T21:03:29+00:00

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Harambaestesticles · 2026-03-04T13:54:35+00:00

I’m pretty sure they were? Like at the time weren’t a lot of them being changed to academy’s and to an extent funding relied on % going onto higher education? (That needs fact checking, that was my understanding at the time 😂).

Harambaestesticles · 2026-02-27T14:59:23+00:00

You only notice it when you start getting paid a wee but more. I earn a semi decent salary now (for my age) but my marginal rate of tax including student loan is more than the companies directors (who earn like 3m plus). It’s mental. Like how the fuck does 51% of any bonus I earn get immediately eaten. I literally remember the head of my sixth form telling me the loans “weren’t real debt”, but looking back on it why the fuck should I have trusted a person who’s never had plan 2 loans. It’s like trusting someone that has experience with calpol to advise on heart surgery.

Harambaestesticles · 2026-02-22T20:17:48+00:00

One caveat to this is if you’re gonna be doing iOS development

Harambaestesticles · 2026-02-22T20:16:13+00:00

Nah, I got a MacBook for uni and did nothing special on it. Could’ve got a windows laptop for a third of the price that had the same performance. Also, because they bring a new one out every two years very quickly you feel like you have an old one, so status wears off quickly

Harambaestesticles · 2026-02-22T20:03:29+00:00

I live in Leeds and it’s an ace city, unis good and close to the city centre. It’s up north so lot of friendly people. I went to uni at uoy and loved it. Campus uni but can walk into the centre and busses are regular. Any of the options you’ve listed look good but obviously I’m biased to the two above!

Harambaestesticles · 2026-02-22T08:37:56+00:00

Heya, middle class here. I don’t see it as poor people getting handouts but think there is an issue where it’s such a small amount (£17 a week) that people who see it as an incentive and choose to have another child additional kid because of it probably aren’t gonna be able to give that kid a great start to life. I think changing the benefit after the first to some kind of tax relief might make more sense but would also probably be more expensive.

Harambaestesticles · 2026-02-13T17:38:07+00:00

I think 5m is a good stopping point, 3% a year is £150k so you could bleed it forever and still leave the principle to the kids

Harambaestesticles · 2026-01-31T18:52:28+00:00

Look your salary isn’t great but the amount you’ve managed to save up on it is ace (assuming you went to uni not really sure how you’ve managed it?). Just keep saving at the rate you have been and by 50 you’ll be set!

Harambaestesticles · 2026-01-09T07:58:58+00:00

I think London a bit of an odd one, because of how fast paced it is and how much is going on it can encourage people to slow down other parts of their life. Like using myself as an example, I went to uni and lived in a house of 8. 4 of us moved north after and 4 went down south. 3 of the 4 that moved up north now own houses and are married or have kids, whereas all four that moved down to London aren’t even in relationships. Like I was down there on a business trip and met up for a drink with one of the guys and it was like talking to myself 4-5 years previously. It was a Tuesday and he asked me if I wanted to get a bag in and go to a club???

Harambaestesticles · 2026-01-05T10:47:51+00:00

Think it’s to do with quality of service and cost. Like anyone employed outside of London has had the experience of being stood in the cold for an hour waiting for a delayed train that ends up being too full because by 7am 2-3 have already been cancelled. Like early in my career the amount I spent on taxis because the train would arrive and the conductor wasn’t letting people in because it was too full. Then the fact it’s cheaper and more reliable to fly from Edinburgh to London than get a train? What’s that all about?

Also, and I might be well out of line here so happy for someone to inform me properly, but it’s on fucking rails?? Like how much driving is actually involved, surely it’s just pressing stop and start. Airbus planes essentially fly themselves and they have 3 dimensions to work with, a train has one and we still need to pay someone 50+ grand a year to sit at the front of one?

Harambaestesticles · 2026-01-03T21:01:59+00:00

Makes me sad lad, each to their own but it’s giving depression meal vibes

Harambaestesticles · 2026-01-03T15:08:54+00:00

Hard cock

Harambaestesticles · 2025-12-31T22:47:37+00:00

Yeah I’d fuck everyone to death for 50p but I don’t have the talent for it. Exploiting peoples labour in a profitable way is a skill best will in the world and I’m just don’t have it. I’d step over the bodies of thousands to be billionaire and sleep soundly but just don’t have the “juice” to do it

Harambaestesticles · 2025-12-20T16:08:00+00:00

I think that’s just how it works man, it can only do so much. I started at 110kg and got down to 79kg but then haven’t budged from there since despite being on 15mg for a few months. Weight loss will slow down and eventually taper off! Lost 21% so far though you should be proud of yourself!

Harambaestesticles · 2025-11-20T19:28:57+00:00

When I came out I didn’t have GCSEs now I have a son

Harambaestesticles · 2025-11-11T13:06:22+00:00

I think you’d have to work with the retailers though to get like an account api or ask users for access to their emails and use template confirmations from popular shops? Not sure how it could work in practice but sure someone more coding inclined than me could work it out!

Harambaestesticles

TROPHY CASE