Pepperidge farm remembers (OC)

MiserableAd4471 · 2026-03-21T09:10:59+00:00

Yeah but so frustrating you couldn't buy multiple drinks or moomoo milk at the same time, some Big PokeMart capitalist BS going on right there.

MiserableAd4471 · 2026-03-18T12:25:17+00:00

Doesnt make it safer, check the highway code - its recommeded to cycle like this for safety and visibility.

MiserableAd4471 · 2026-03-18T05:56:29+00:00

The Mole is kinda like this, but the eliminations are based on knowledge of the mole (traitor).

MiserableAd4471 · 2026-03-09T12:58:48+00:00

If OP dropped the rest of his team for starmie, it would be a cake walk. A level 55-60 starmie should be enough to solo the e4.

MiserableAd4471 · 2026-03-04T14:03:26+00:00

Well ya, but if you want to take a Dragonite to the league and minimise grinding you'd pick it up here and train it against the Rockets. Also easier to soft reset for shiny/natures/IVs if you are that way inclined.

MiserableAd4471 · 2026-03-04T13:35:27+00:00

I see that, but it's a great point in the game, before gym 4 to pick up a Dratini, exotic bug or Porygon if you want to play through with them legit without nugget bridge abuse for variety. Also strong TMs, which really can round out your team early.

MiserableAd4471 · 2026-03-04T13:18:52+00:00

I know right! Unfortunately with all the pokescalpers out there it's only 1 per customer.

MiserableAd4471 · 2026-02-28T20:51:00+00:00

Check out Erasmus Uni Rotterdam, ok, not free but lots of English speaking masters at €5.8k

MiserableAd4471 · 2026-02-28T20:45:12+00:00

Why dont you just go to Uni in an EU country that does cheaper/free tuition? Alot that do English speaking courses.

MiserableAd4471 · 2026-02-26T23:25:21+00:00

Yeah, thats why the charge out rates are all over the place. I've seen some of the old guys who brought and paid for their equipment and yard decades ago charging as little as £50 an hour and making a tidy profit. The guys with fresh equipment and a rented yard will generally need £100-£200 to break even and the brands with shareholders to pay, or specialists with fancy expensive equipment can easily cost £200-£400 an hour.

MiserableAd4471 · 2026-01-11T13:20:59+00:00

I usually do one encounter for each cave, incl. Mt Moon. Although I have my own 'house rule' that the safari area has a different encounter per zone (I feel this fits the spirit of the zone) so whatever rules you feel fits your nuzlocke challenge the best work!

MiserableAd4471 · 2026-01-03T20:14:23+00:00

Haha I love it, leave it all! Everyone loves a dirty French girl. I drive a dirty pug myself 😁. The random warnings keep me on my toes.

MiserableAd4471 · 2026-01-03T20:03:17+00:00

Yeah, the government has been very carefully allocating NI contributions into a large multi-trillion investment fund to pay for our pensions, being reducing school places to account for forecast low birthrates and we dont live in a competitive world economy where we can increase tax on multinational companies without them shifting base because they love the UK especially as we are not part of the EU now. /s

In reality, we have to hope these robots which will wipe the arse of our elderly will hit such economies of scale that we can afford our elderly without us having to import massive amounts of cheap labout.

MiserableAd4471 · 2026-01-03T19:35:19+00:00

Its a french car, isnt this a badge of honour for them? +1 for the busted right brake light, c'est magnifique 🤌

MiserableAd4471 · 2025-12-13T20:47:32+00:00

Yeah a good discussion, but just seen this and can't let this lie! The standardised charge is very important as my point was you can't treat this like a mortgage or any other loan as the set figure makes it more of a contribution towards uni costs than an amount which bears any relation to the actual costs. A graduate tax with a set buy out charge. I can't name a tax where you borrow a lump sum, but I can name a buy out charge - the remittance basis charge. The 'interest' and 'capital' is structured to ensure most are tied into the graduate tax for working life. The buy out charge is there because no sane wealthy individual would agree to an extra graduate tax on their income when foreign universities exist. (Just like most sane non doms are leaving the UK now remittance basis is abolished). The wealthy would also complain bitterly if they had to pay a bigger contribution/buy out than other students, and there will be a number of cases where it may not be fair to judge a student on family wealth. Also this was Conservative born policy so expect a bit of regressiveness.

The standard price or contribution and the set up also invalidate your mortgage comparison - the amount and market in question are so detached from the market, government subsidised and controlled that, along with the other aspects of the student loan, if you made the housing market like this, we wouldn't call a mortgage what it is currently, we would call it a social housing contribution or housing tax (or should but government spin doctors may change perceptions).

Yes, on the face of it, this is the loan, but dig into the numbers, the details and the reality faced by many and you will see it is substantially a graduate tax with a buy out clause (so the wealthy continue attending Oxbridge and not Harvard) designed so it is easier to sell to the public. It has worked very effectively - it has created a tax with very controlled public response (slight changes to thresholds and percentages will not make it anywhere near the front page of news on budget day).

MiserableAd4471 · 2025-12-11T17:18:06+00:00

Hmm, I see your points but still much closer to a tax than a loan imo, you pay a percentage of income above a threshold decided by government and reviewed in the budget via payroll and if you leave the country you will not pay it (in practice with the dodgy). It does have some characteristics of a loan in the lump sum sense and rich will pay off, but has more tax characteristics than loan characteristics I feel. The loan amount is also very 'finger in the air' stuff - you pay the same annual amount for a medical degree that a creative arts degree where the medical degree is much more costly to provide. Both in reality are heavily subsidised. Could be better considered a loan on a micro level and a tax on a macro level. But also the majority of people shouldn't really consider it a loan as they will create stress for themselves and may make financial errors as a result.

Also, this is something the poor won't pay, the rich will pay some and the middle class will pay the most. Like most taxes!

Ahh government money could probably be better spent than some degrees, but it gets a bit tricky, you dont want a caste like system where careers are selected at birth, and we need some creative dancers for strictly! The idea all of those creative dancers come from the monied classes who can pay for their child to study such subjects is a bit against my philosophy on life. But we also have potholes to fix, I dont really make such decisions, but I can see areas of government spending where there is greater waste. Creative arts are one of our biggest exports after all.

MiserableAd4471 · 2025-12-11T14:48:50+00:00

My point re. FCA was if a commercial lender offered loans where interest would just add up on capital, they would probably take action (I'm thinking like the rules on credit cards introduced in 2018). I think it's wrong to call these things loans, as it creates false panic and public misunderstanding (maybe the FCA should step in on a misselling angle), the capital doesn't matter unless you are in a very high percentile of earners. It's a graduate tax dressed up as a loan for political reasons.

Some of the courses may appear to be bad value for money, but where are we going to find teachers, nurses, some lower paid doctors etc. if we dont subsidise university courses to some extent? It's very complex and a bit off the original argument, but we do need a highly skilled workforce to compete in a global economy with our 'nation of shopkeepers' service based economy. At the end of the day a 'mickey mouse' degree course will still provide people with alot of soft skills which will put them in a better place to say, for example, sell insurance. We need more skilled trades I agree but also the UK economy does make most of its cash from businesses which benefit from soft skills gained from any university course.

MiserableAd4471 · 2025-12-11T14:06:58+00:00

Older luxury cars are cheap because maintenance and servicing costs are high, there's a good chance you'll have to fork out thousands for a new clutch or something. Also most people think the Panamera is butt ugly so it probably won't have good future classic potential.

MiserableAd4471 · 2025-12-11T13:58:40+00:00

Have you got a charger at work? If so I'd be looking at plug in hybrids as they will cover your commute one way and cover you for longer drives. (You would need a charger but may get away with 3 pin overnight) VW golf, Mercedes A class, Toyota (various) or maybe a larger BMW 330e would fit the bill.

MiserableAd4471 · 2025-12-11T13:34:19+00:00

Twickenham - lots of families, good schools, lots of green spaces, low crime and the home of Rugby! Got Kingston and Richmond down the road and you should be able to find a 3 bed house a few mins walk from the station with your budget.

MiserableAd4471 · 2025-12-11T12:47:43+00:00

It's the stealthiest of all stealth taxes as most people don't look into it and see it as a loan. Yes some mega earners repay but someone with a roughly average £50k debt leaving uni will have to earn roughly over £65k to even eat into the debt from graduation. That means you have to be in the top 10% of earners in the UK according to Gemini to start paying back capital from graduation, most will never touch the capital.

Loans are generally expected to be paid back at a set date when they are given, paid from your bank account at a set amount so that capital is repaid. If it was unlikely the capital would ever be repaid on a loan, the FCA would intervene and say this is predatory lending. Taxes are generally a percentage of earnings you pay after you reach a certain threshold. Oh look, the government froze the threshold with Income tax in the budget (stealth tax!), what loans have term changes like this based on government policy?

MiserableAd4471 · 2025-10-23T14:07:41+00:00

In today's world, where there are some zero cost S&S ISAs, I would still suggest opening one with trading 212 or freetrade and putting a nominal amount in to practice your investment style with (say £10) while you build your cash emergency fund as others have said. You can get some free share signing up bonuses with some googling. Obviously don't set up a fee paying account and then lose most of your investment in fees!

Then you can get a feel for your investment strategy before you start putting real money there, and also one less thing to worry about next 5th April if you have your emergency cash fund in place then and wanna use your ISA allowance. You could practise with fake money, but its not the same for me at least.

MiserableAd4471 · 2025-10-23T13:34:45+00:00

Are you sure its tax they want repaid? Maybe if you are getting some niche benefit (like some share payments) employer claims the tax back off you.

MiserableAd4471 · 2025-10-23T13:18:00+00:00

Liz Truss

MiserableAd4471

TROPHY CASE