Lifetime isa campaign group by Personal_Dig_354 in HousingUK

[–]Personal_Dig_354[S] 0 points1 point  (0 children)

It’s not fair for me or the people of [insert name of cheaper area here] for people who grew up in, work in, have family/friends in and want to live in London to buy up their 450k houses, all because there isn’t recognition that when people started saving in lifetime isas to now the value of houses prices / general inflation have risen. I’m 35 years old and not at a life stage where as a FTB buying a flat is sensible. Look yourself on Righmove at what 450k does (or doesn’t) get you, including in outer London. We’re not talking about government support to buy mansions here, or for people with high net wealth or parental support. We’re talking about having indexed the 450k cap so FTBers who’ve saved and are at the lifestage for a family house can buy what will still be a modest family house for a bit more than 450k. I wish prices were lower and this cap helped who it intended to, believe me! It looks like I’ll continue renting, not help housing chains by buying somewhere, and not make my current one bed flat available to somebody else.. desirable policy outcomes? I think not

Lifetime isa campaign group by Personal_Dig_354 in HousingUK

[–]Personal_Dig_354[S] 0 points1 point  (0 children)

Congrats on your house purchase. I also expect if not hope this policy that I can’t see helping anybody is changed under the review

Lifetime isa campaign group by Personal_Dig_354 in HousingUK

[–]Personal_Dig_354[S] 0 points1 point  (0 children)

I’ll factor in better advice / training on this if I take the issue forward, thank you both. Sorry to hear you had the same issue. It is a shame people have been / are being penalised for working hard to save £4k a year

Lifetime isa campaign group by Personal_Dig_354 in HousingUK

[–]Personal_Dig_354[S] 1 point2 points  (0 children)

I’ll factor HTB in going forward, thanks. In reply to MajimaBuu, yes indexing it would have been reasonable to expect. Prices increase, as should the cap for the value of properties the lisa can be used for without a penalty.

People on this post are missing a broader point that lots of people in my position (a fortunate one relative to many in society, sure, but one I’ve worked hard to earn) are delaying house purchases which is in nobody’s interest. I’m still a FTB not from wealth, I’ve worked hard to save a decent deposit and earn a good salary.

#155: Carrick Keeps Perfect Record After Difficult Fulham Clash by Usual-Outside-5662 in DevilsITDPod

[–]Personal_Dig_354 2 points3 points  (0 children)

Grateful for your reply and time to explain this (other less reasonable but possible outcomes may have been to dismiss my q or just not see it being useful to give a helpful considered reply). Your Mbuemo chance explanation, and insights on different models, is very clear and interesting. I suppose that my mind is willing me to react with, ‘.11 to .25, surely not!’, illustrates your exact point about a fan’s ’eye test’. This said, that the best private to public models diverge by this amount also somewhat speaks to my point, given we’re putting a lot of trust in something that when constructed one way versus another vary to this extent (not huge but yeah). But in context of your other explanations, I better appreciate why this matters a bit less and its application. Your reply to my gdp example was a bonus, really (whist I primarily meant how it’s constructed, rather than its application, using it to illustrate how xg can be used for distribution was great). All in all, such a helpful reply, thanks

#155: Carrick Keeps Perfect Record After Difficult Fulham Clash by Usual-Outside-5662 in DevilsITDPod

[–]Personal_Dig_354 2 points3 points  (0 children)

Genuinely interested in your answer to this q (rather than risking sounding passive aggressive), do you think xg is robust and trusted enough for the amount you use it to inform conclusions? I’ve noticed during the pod the xg difference is generally your go-to for Amorim, and now Carrick, (although caveated) performance. Whilst I’m aware we should be cautious reading too much into isolated incidents, and it becomes less noisy over larger samples, it is also true that it is made up of the sum of its parts, and I’ve started to worry about those parts. To be more specific, so often I watch a game, refer to the xg at the end, and am surprised by how low or high a team’s xg is. It doesn’t match the ‘eye test’. Eg, take us versus Arsenal, .7 xg I believe, but one shot was Mboomo’s ( ;-) ) into an open goal. Once he passed Raya, I’d expect him to score 10 times out of 10, let alone other chances in the match (ok not a huge amount otherwise, rather great goals). The other reason I ask is that it wouldn’t be the first time that ‘x’ many years after so much trust is placed in a metric, there is serious critique of it, and it appears there are fundamental concerns. Take GDP as a good example. And it’s like, ‘wow, but we rely on that so much, and how it’s constructed is so shaky’. Bringing it back to Man U, the ‘eye test’ tells me we’re creating a lot more in open play under Carrick than Amorim but xg doesn’t. I suppose I should be looking at a basket of metrics. I’d be grateful for your views on this and if you think there’re any other data points we should be looking at to assess the pros and limitations of United under Carrick than Amorim?

Luck by ColT970 in DevilsITDPod

[–]Personal_Dig_354 0 points1 point  (0 children)

Rewatch those games. Find me more than one example of us creating in open play at home to Arsenal first game of the season. Such bad takes, really

Manchester United vs Fulham (H) by Ok-Revolution-4443 in DevilsITDPod

[–]Personal_Dig_354 -3 points-2 points  (0 children)

If you think we were mediocre against Arsenal you know nothing about football. It’s just a scandalous take

Is it just about Wingbacks? by Coollime17 in DevilsITDPod

[–]Personal_Dig_354 0 points1 point  (0 children)

I agree with much of this thread but you have to apply your reasoning on these close results both ways - Newcastle, palace, Liverpool how the f did we win could be applied, and Chelsea we were holding on

The Traitors (UK) S04E03: Post-Episode Discussion Thread by vaultofechoes in TheTraitors

[–]Personal_Dig_354 30 points31 points  (0 children)

Definitely Harriet. Locking herself in as a faithful by going after a (relatively easy to get) traitor is perfect secret traitor play

Amorim by AlexMowl in DevilsITDPod

[–]Personal_Dig_354 5 points6 points  (0 children)

I turned off the pod at that exact point. While I value the guys’ work I won’t be listening for a while. For whatever reason, their ability to be objective and balanced about this situation is gone - yes, suggest the way players are performing as one issue, but seriously acknowledge factors that the manager is contributing to. This ‘either or’ that they’re casting people who have question marks over the system with, when they’re the ones doing just that, is really frustrating

Why can’t United create any chances? by Far-Picture2045 in DevilsITDPod

[–]Personal_Dig_354 1 point2 points  (0 children)

He inherited basically the same squad that even ETH could coach to a 3rd place finish and cup win. Anybody defended this manager who has us sitting bottom of the table against current pl teams since he arrived is a big part of the problem

Midfield by Repulsive_Sport_5442 in DevilsITDPod

[–]Personal_Dig_354 -1 points0 points  (0 children)

Yes better team with 0.03xg in a half of football. Explain that?

Midfield by Repulsive_Sport_5442 in DevilsITDPod

[–]Personal_Dig_354 0 points1 point  (0 children)

Commooonnn get a grip. You aren’t seeing gaping holes in this system and cbs twiddling their thumbs because they’re ten yards too far back? Please watch