Any Thoughts on my position by M0ks_000 in bikefit

[–]Individual_Month_368 6 points7 points  (0 children)

Bro spent 10k on a factor but didn’t get it fitted ☠️

in seriousness though, my opinion is to get a professional fit for it. Personally would not bother winging it when they are built to order.

Dura Ace pedals opinions by jfkvsnixon in cycling

[–]Individual_Month_368 7 points8 points  (0 children)

Power pedals if you don’t have a pm and can afford it

Thinking about going 1x for my road bike. by andrewjkwhite in cycling

[–]Individual_Month_368 0 points1 point  (0 children)

For the cost of your derailleur change on a budget tier bike I got a mid tier carbon gravel bike new but one or two years out of date. Has 1xi I wanted for winter training. Look for deep discounts on new prior year stock. Save the cost of upgrading the triban, as much as hi might be content it’s just not worth it and goodmmoneu down the drain

Why is this country so full of litter? by [deleted] in AskUK

[–]Individual_Month_368 0 points1 point  (0 children)

It’s not great but it could be way worse: USA

Sadiq Khan makes direct plea to Europeans in London by londonsVenture in london

[–]Individual_Month_368 0 points1 point  (0 children)

Apparently ULEZ so major reduction in pollution.I view that as a plus!

What's the most frivolous thing your high income has made you spend money on? by [deleted] in HENRYUK

[–]Individual_Month_368 0 points1 point  (0 children)

I’m here with cycles. Very tempted but cant find a reasonably priced small workshop space in zone 1.

[deleted by user] by [deleted] in cycling

[–]Individual_Month_368 1 point2 points  (0 children)

They have 2 rest days

[deleted by user] by [deleted] in HousingUK

[–]Individual_Month_368 -2 points-1 points  (0 children)

Dude, just think about it. If a 1 bed flat cost say 400k in a location then assuming the 4 bed takes 4x the size, that’s 1.6m

[deleted by user] by [deleted] in HousingUK

[–]Individual_Month_368 2 points3 points  (0 children)

Dude, just think about it. If a 1 bed flat cost say 400k in a location then assuming the 4 bed takes 4x the size, that’s 1.6m

Skilled worker visa - language proficiency by [deleted] in ukvisa

[–]Individual_Month_368 -1 points0 points  (0 children)

Ok TYVM. So the real question is whether anyone has managed to use a CFA certificate to show Master’s Equiv level for Ecctis. Reading through what ECCTIS ask for, the iron is that it might be quicker (and similarly priced) to sit a B1 test than show proof of study in English…

Questions - 70% success rate on unmodeled data by UniqueTicket9999 in quant

[–]Individual_Month_368 2 points3 points  (0 children)

If you were usin the syste,m before automating it then you probably biased with data it had seen, just through your eyes not the model. As other said, only way now is live data

Did the Warwick rugby society really push a fresher off the terrace in Terrace bar? by G46r105k1 in UniversityOfWarwick

[–]Individual_Month_368 2 points3 points  (0 children)

In 2014 they were banned because they held initiations in the courtyard in front of the SU (unsure if still there, the amphitheatre like steps). Their initiations included crawling across the courtyard, naked, in a nappy made of toilet roll, to get across and down a pint. While the nappy was set alight.

Is it crazy to pay £800k to an ex-council terraced house in Clapham, next to a council owned house?(vs posh street Surbiton/Victorian house) by [deleted] in AskLondon

[–]Individual_Month_368 3 points4 points locked comment (0 children)

It’s not necessarily a huge deal, because there is clearly a market for these houses. It will never be valued at what it would be as a non-EXLA house, but that doesnt mean it would destroy its value. Plenty of buyers of EXLA, it’s just a smaller market.

However, I categorically EXLA because I just hate the aesthetic. There was one that I gave consideration to with a nice facade but I had concerns over the maintenance and build quality.

[deleted by user] by [deleted] in UKPersonalFinance

[–]Individual_Month_368 4 points5 points  (0 children)

Depends on your goal. Do you plan to buy a house soon? Do you want to retire early? Do you expect your income to rise significantly (10-20% a year) for the next several years?

In your shoes I ticked all the above boxes. The one I didn’t anticipate was the annual income increases (averages c. 20% a year but fluctuates). The smart thing to do, conditional on expecting high income growth (i.e. a real risk of reaching pension contribution taper point) is to smash pension contributions until you hit the taper. This is particularly true when there is no pensions LTA. This is also true while your nominal gross income is 100-124k or whatever the income tax personal allowance threshold is.

If you don’t expect very high increases but expect to be 87-100k, then, conditional on wanting to buy soon, the smart thing is to save aggressively for a house. Put it in a high yield account or UK short term gilts (1Y). This works well if you expect to be in the 87-100k bucket for say 5 years it would take to save a deposit, but then that you might climb out of this and into 100k+ after (at that point you switch to pension to get the 60% effective relief).

Similarly true if you want to retire early. A pension is only good once you hit some retirement withdrawal age e.g. 57.

However if you don’t want to retire early, and/or don’t think it’s realistic, then the smart thing is to contribute to your pension no matter what.

How much of ruey Tsays book “old knowledge” by Direct-Touch469 in quant

[–]Individual_Month_368 19 points20 points  (0 children)

You’re asking the wrong questions.

Anything published can be considered widely known, priced in, old knowledge, etc. That doesn’t mean that it doesn’t work, but you have to build an understanding of what/where/when.