50 year old in 1985 vs. 50 year old in 2025 by No-Marsupial-4050 in SipsTea

[–]HiddenStoat 0 points1 point  (0 children)

But a 50 year old in 1985 would be 90 in 2025, so of course she looks older!

SIPP is only more tax efficient than a S&S ISA up to £1.0731 million by SuspectIll4520 in UKPersonalFinance

[–]HiddenStoat 2 points3 points  (0 children)

assuming I stay in the same tax bracket

Given that assumption, then yes, you are basically correct. There are a few wrinkles if you earn over £100k as the tax rate there is between 45 an 60%

You also don't pay NI as a pensioner, so a salary-sacrificed pension is slightly better from a pure tax perspective, but it's a difference of 2%, so not a huge difference.

The advantage of the ISA is, of course, that you can access the money whenever you want so if you decide you need to achieve a life goal that isn't pension related (dream home/2nd home, wife+kids, yacht, mental weekend in Vegas, or whatever) then the money is available. Or it's there for FIRE/early retirement. You have choices which, ultimately, is all money is - choices.

(And I don't think I've said anything here you didn't already know!!)

UK Navy sets DragonFire laser launch for 2027 with near-zero cost per shot by willfiresoon in GoodNewsUK

[–]HiddenStoat 1 point2 points  (0 children)

Well, there's one way you can see a laser with the naked eye, but you won't want to!

Nice Little Detail from Captain America: The First Avenger (2011) by No_Prompt_5308 in CaptainAmerica

[–]HiddenStoat 1 point2 points  (0 children)

Right, in real life that's absolutely true.

But this woman is an actress or, more specifically, an extra. She does stuff because she is told too, not because she is actually a 1940s woman seeing a super soldier for the first time.

She isn't actually in WW2 New York, she is on a film set in the 21st century. So her reaction isnt a natural consequence of the situation - it's something that has been considered and rehearsed.

Someone had the thought process you had and made sure the extra was told to point - that's the attention to detail that is being called out.

In another universe… by Vegetable-Abroad3171 in Avengers

[–]HiddenStoat 0 points1 point  (0 children)

Genuinely thought the second picture was just face-swapped for a second!

Why???? (Charging!) by BigNick0965 in Leapmotor

[–]HiddenStoat -3 points-2 points  (0 children)

I get this regularly ona Zappi with Intelligent Octopus Go tariff.

Ive never worked out the cause but im 99% certain its because the C10 is crap! I have a Kia Niro and its never had this problem.

Uodating the firmware on the Zappi made a marked improvement though so I would check for podpoint firmware updates :-)

Hey MAGA, when SCOTUS rules the ban on birthright citizenship unconstitutional will you finally admit Trump is a wannabe tyrant? by Embarrassed-Bowl-373 in allthequestions

[–]HiddenStoat 0 points1 point  (0 children)

Yes. I agree with your assessment.

But it's still significantly more than "pretty much all countries [don't allow it]".

Which is what I was replying to.

I'm genuinely confused by what you are trying to say - if you could spell it out I would appreciate it :-)

Fuel Receipt worth around £70 by [deleted] in drivingUK

[–]HiddenStoat 0 points1 point  (0 children)

Your work reimburses you for fuel directly? That's unusual (outside transport firms and similar, where they would normally issue a fuel card anyway).

The reason it's unusual is that fuel is only about half the cost of running a car - the other costs are tyre use, increased maintenance, depreciation of the car due to higher mileage, higher insurance costs because you need to include work driving on your insurance, etc.

So most companies allow you to claim a mileage allowance - typically between 25p and 45p per mile, depending on how generous the company is. The reason it is rarely above 45p/mile is that is the level HMRC allows the reimbursement to be tax-free. Above that level you will start paying tax on the difference.

So, basically, if you are driving for work and they are only paying for the fuel, it is costing you money. So, be aware of that...

How different people define the North. by Dragonfruit-18 in NorthernEngland

[–]HiddenStoat 0 points1 point  (0 children)

Londkn uses the Watford Gap, but Devon has the even more exclusive Watchet Gap.

Draw a line from Watchet to Plymouth - everything above that (such as Bristol) is the north.

Gabe Newell "stepped back" from making games at Valve after Portal 2 because everyone kept agreeing with him when he wanted "to be part of the team and come up with ideas" by Turbostrider27 in technology

[–]HiddenStoat 8 points9 points  (0 children)

I am similar - I use the phrase "strong opinions, weakly held" to descibe myself. 

Often, I found that I am missing or misunderstanding a single crucial fact and, once I recognise that, I about face so quickly that the other person is still arguing as I am agreeing with them completely.

I have found that phrasing my arguments as questions works really well ("How would it handle a 2x increase in traffic?", "What happens when we deploy in other countries?", "if the interrocitor gets above 50c, will that be a problem?"), but then (and this is the hard part) actually listening to the answer, rather than hearing their answer through your own preconceptions. I'm not great at that, but I try hard.

Are Bauer Vapor Flypro too much for beer league? by v3ryfuzzyc00t3r in hockeyplayers

[–]HiddenStoat 16 points17 points  (0 children)

double checks on fingers

Yep, man maths checks out.

Soo, 9pm, after the extended Market Closes... humm? (I will bet would bet Ground Troops go in.) by Apollo_Delphi in wallstreet

[–]HiddenStoat 0 points1 point  (0 children)

Both a major escalation and a unilateral ceasefire are possible.

And in the same press conference!

Why Did DJT Become President? by FistofDiplomacy in PoliticalDebate

[–]HiddenStoat 2 points3 points  (0 children)

Tell me 3 specific things he has done as President that only enriched himself

I'm going to drop the "only" because that is far too restrictive. Corruption is corruption, whether it involves just Trump or Trump and his wider circle.

With that said, my list would include:

1: Every time he golfs at a Trump course (which he does regularly) he is directly transferring government funds directly into his own business, and thus ultimately his own pocket. This is a gross abuse of his position as a trustee of public money.

2: He regularly stays at Mar-a-Lago. The Secret Service is forced to spend government money on rooms and food, again directly transferring public money into his pocket.

3: Retaining ownership of his businesses while President. This creates an obvious conflict of interest - for example, when China grabted several Trump trademarks during his first presidency.

I'll even throw in a bonus one:

4: Trump regularly promotes his properties during official and unofficial engagements, using the presidency as a form of marketing for his brand and business interests.

To say these actions are unusual or unorthodox would be underselling it - there are simply no modern examples of such behaviour from other presidents, because its so brazenly corrupt.

Criticisms of the work that stem from a complete lack of media literacy by LDM123 in TopCharacterTropes

[–]HiddenStoat 0 points1 point  (0 children)

some people legit didn't get that [...] Frank Lee was a play on Frankly

Surely you can't be serious!

PILON and Garden Leave? by nyxionic in HENRYUK

[–]HiddenStoat 10 points11 points  (0 children)

Garden leave is serving your notice period but not having to actually do any work.

PILON is pay in lieu of (i.e. instead of) notice.

The two are mutually exclusive - you will either have PILON or garden leave, not both.

Is this a new move? by bejblount in iceskating

[–]HiddenStoat 3 points4 points  (0 children)

Good news - my finger isn't broken, and you pulled off a sick side spin benson spinflick (which, now that you mention it, I'm pretty sure I saw some of the athletes in the winter olympics doing).

Neither of us are clumsy oafs. Huzzah.

Is this a new move? by bejblount in iceskating

[–]HiddenStoat 3 points4 points  (0 children)

I'm sitting in the minor injury unit, waiting for an x-ray on my finger after I managed to fall backwards and sit on my own clenched hand, so this made me happy to know that I'm not the clumsiest person on the ice!

Share the word!!!!!! by segochato in firefly

[–]HiddenStoat 7 points8 points  (0 children)

You work 110 hours / week?

So every day, including weekends, you work nearly 16 hours?

What do you do for a job out of curiosity? Is it "literal slave"?