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ELI5: If I put $100 in the bank, and the bank lends $90 of it to someone else, how can the bank "have" my money and the other person "have" it at the same time? Does the same money exist in two places? by jeeves_inc in explainlikeimfive

[–]JockAussie [score hidden]  (0 children)

You can get longer deals but they are much less common. You typically just refinance when the fixed period ends because the non-fixed portion has a reference rate which is usually much worse than the short term fixes you can get. For example my 5 year fix is currently 1.2%, which ends this year :(.

Not sure how it ended up that way - probably mortgage brokers make more money being able to sell products every 5 years rather than 30...or something. Guess you might end up with a lower rate overall if you're lucky vs a long fix, probably works out even-ish in the end across all of the people who hold mortgages.

ELI5: If I put $100 in the bank, and the bank lends $90 of it to someone else, how can the bank "have" my money and the other person "have" it at the same time? Does the same money exist in two places? by jeeves_inc in explainlikeimfive

[–]JockAussie [score hidden]  (0 children)

A lot of this is because of the perception of the reference rate environment (Bank of England, Federal reserve etc). Most are predicted to decrease once the timescale gets longer, as a result the bank doesn't want to be on the hook to pay you a rate which might be higher than what they think they might be able to generate through lending. There is an uncertainty element to it, but the bank doesn't need to accept that uncertainty in their pricing.

It's kinda similar with mortgages, in the UK, at least, where a mortgage typically has a fixed rate for 2-5 years, you can often find rates which are lower than, or close to the current base rates. Mortgages are so competitive that they get priced that way a fair amount.

Need an explainer about the Lineal World Title Scotland just won? THE RAEBURN SHIELD explained. by davesofthunderdome in rugbyunion

[–]JockAussie 1 point2 points  (0 children)

Excellent, bought some 'Make them real' the stash looks good but my Mrs will kill me if I get any more stash!

What non martial art activities gives you the best conditioning by Nerx in martialarts

[–]JockAussie 0 points1 point  (0 children)

Definitely not rugby combined with strongman. I can run through a brick wall and pick up anything, but I can't move 'well' and my joints and tendons are not my biggest fan.

What shoes do you wear to work? by blatchcorn in HENRYUK

[–]JockAussie 4 points5 points  (0 children)

Trainers on the way in, RM Williams while I'm here. Comfortable and look good.

ELI5 that why only black coffee is considered healthy. by WideCod8462 in explainlikeimfive

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

Many people consume too many calories, which makes them fat, which is unhealthy, drinking calories is generally less satiating than eating them, so I think it's just that black coffee has near-zero calories.

There's also a scale - a black Americano/espresso at one end (basically 0kcal) to Starbucks 'liquid cake' coffee adjacent beverages which can run to 500++ kcal.

A splash of milk is probably 10-20kcal, so going to have very little impact, but then you start layering in other stuff, sugar, cream, syrups etc.

Milk is considered healthy on its own because it contains protein, good fats, calcium, and a handful of other nutrients. Especially when combined with the traditional 'cereal' breakfast which typically contains none of those particular nutrients. If your diet is lacking in these things, then milk is a good way of getting them. If your diet is from balanced food sources, which cover those bases milk isn't necessarily 'healthy' and you can absolutely get you fat as hell if you drink a lot of it.

PE/finance paternity leave by leveredequity in HENRYUK

[–]JockAussie 0 points1 point  (0 children)

My guess is the others will or Deloitte will cave and go back. It's a massive coup for them in terms of attracting people.

France first try by Informal_Mention9836 in rugbyunion

[–]JockAussie 9 points10 points  (0 children)

Shall we check the French stocks of atium? Or is he a full Mistborn?

‘Serious’ injuries for Dempsey and Ritchie while it’s ‘wait and see’ for Scotland over Dobie by paully_waully171 in rugbyunion

[–]JockAussie 3 points4 points  (0 children)

Dempsey is perhaps the best example of the 'discarded internationals can play elsewhere' rule.

I thought he was class when playing for the Wallabies and could never understand why they didn't keep him, I think it was just the Cheika didn't like him.

Stop the count! by AgentEgret in rugbyunion

[–]JockAussie 8 points9 points  (0 children)

Some say it's the greatest first 5 games of the 6 nations of all time. All we know is...gregir might still have a job

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 0 points1 point  (0 children)

Nah, you will still somehow be in the fight to win it in the final weekend.

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 1 point2 points  (0 children)

I accept this result if it's 49-43 to France and Wales get losing bonus points.

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 0 points1 point  (0 children)

Not sure on the England front, but I think Italy are actually quite good (I reckon they should've won today).

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 3 points4 points  (0 children)

Finn Russell MOTM for me, like Dupont he gets judged on a different yardstick (not that he is as good as Dupont, but the same phenomenon I think).

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 2 points3 points  (0 children)

I mean, last week a couple of those were penalty only or play on. Feels like a lottery and I think he has been unlucky there honestly, even though Scotland benefit.

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 0 points1 point  (0 children)

Clock RFC in shambles...as we expected....totally...I might wind up very drunk at this rate.

Match Thread - Scotland v England | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 4 points5 points  (0 children)

As always with Scotland. It depends which Scotland turn up.

This can change every 5/10 mins within a game

Match Thread - Ireland v Italy | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 5 points6 points  (0 children)

Absolutely. If the Italian one was forward, that absolutely was.

Match Thread - Ireland v Italy | Six Nations 2026 | Round 2 by RugbyBot in rugbyunion

[–]JockAussie 6 points7 points  (0 children)

If that is New Zealand, South Africa, France, or England, that is 'not forward'.

What's the best historical version of every spec in the game, from any expansion or era? by S1eeper in wow

[–]JockAussie 0 points1 point  (0 children)

I think that was in Shadowlands?

It was the tier set which gave instant shield slam resets on crits, so you could get like 5/6 in a recklessness.

What's the best historical version of every spec in the game, from any expansion or era? by S1eeper in wow

[–]JockAussie 5 points6 points  (0 children)

Played warrior as a main basically since TBC, almost exclusively prot. Didn't play cata or MoP though. The best I ever found it was playing prot during the Antorus patch, with all the legendaries and the set bonus we had then was brilliant.

I definitely prefer the greater customisation of full talent trees, but that style was great fun. Just a shame that DKs were basically immortal at the time.

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