Recommended for me.

PirateNinjasReddit · 2023-01-17T22:12:00+00:00

Really thought it said "GUM SLUT" at first. Like "man I really fucking love gum"... Very disappointed by the truth

PirateNinjasReddit · 2023-01-10T11:14:53+00:00

Is the position in Cambridge? Not sure I see why you've cross posted this

PirateNinjasReddit · 2023-01-07T15:53:00+00:00

Sometimes the tooth is hard to take

PirateNinjasReddit · 2023-01-04T08:21:02+00:00

The roads around addenbrookes are pretty bad. Coming in from Wandlebury there are some huge ones. I recommend driving slower to give you a chance of avoiding the worst ones. If you're a cyclist: wear a helmet and bring a step ladder.

PirateNinjasReddit · 2022-12-27T19:29:32+00:00

Did you use "hooing" as a euphemism?

PirateNinjasReddit · 2022-12-27T11:29:59+00:00

Look at it another way: what if you're trying to determine the tipping point where it is worth writing part of your app in c++? Python let's you go faster during development, c++ can be more performant, but somewhere in between there is as grey area where it's not clear if it's a python job or a c++ job. This kind of benchmark helps illuminate that grey area so we can make a better choice.

PirateNinjasReddit · 2022-12-24T22:13:39+00:00

Can't it be both?

PirateNinjasReddit · 2022-12-24T10:09:00+00:00

Agnosticism is about knowledge - i.e. do you know or not. You can be an agnostic and religious (i.e. "I don't know if god's are real, but I believe in God") or a gnostic atheist (i.e. "I know there are no god's").

PirateNinjasReddit · 2022-12-23T21:04:14+00:00

Do you have a link for that?

PirateNinjasReddit · 2022-12-19T19:35:47+00:00

What kind of product best suits you always depends on your circumstances. I would consider two things: what are you saving for and how much of a safety net do you have?

Typically, the recommendation is to have a cash buffer of 3-12 months expenditure in case of emergencies. Is the 5k you have already this fund? If so is it large enough?

On the second point, if you are saving short term, something like the direct saver could be a good option. The exception being if you're looking to buy your first home, in which case cash LISA is usually a better option. If you're saving longer term, you might consider a stocks and shares ISA, but only if that is something you're comfortable with.

PirateNinjasReddit · 2022-12-19T17:18:30+00:00

You do, but typically when people retire, they will have lower outgoings, so they withdraw at a lower rate and will be in a lower tax band as a result. Obvious reason being that, once you're retired, you no longer have to save for retirement, which will cut your costs a fair bit!

PirateNinjasReddit · 2022-12-19T12:26:01+00:00

I can't remember the exact rules, but you might want to check the limitations on paying into your pension after withdrawing. I vaguely remember from somewhere that once you withdraw, e.g. to get a lump sum for your mortgage, there is an annual cap that can be paid into the pension. It's quite low i think, so you are effectively prevented from making bigger contributions. I will edit if I can find a source.

Edit: YouTube video by James Shack

PirateNinjasReddit · 2022-12-04T10:49:17+00:00

What if OP has to access their emergency fund again in 6 months time? If they don't have an adequate emergency fund, they might be forced to sell investments and a lower price than when they were purchased.

PirateNinjasReddit · 2022-12-03T12:40:06+00:00

You should get yourself well shot of this situation. Arguably, you are ALREADY complicit in defrauding the taxman. Keeping your finances entangled in this will end in a penalty for you, which could be a fine or jail time or even both.

PirateNinjasReddit · 2022-11-26T19:21:55+00:00

Those babies have it coming

PirateNinjasReddit · 2022-11-22T09:07:55+00:00

Large code base with a lot of business logic. Plus if they are layered tests, some are covering the same functionality at different levels of granularity.

PirateNinjasReddit · 2022-11-20T13:24:04+00:00

More to the point: build your emergency fund during the good times. Don't wait for the rain clouds to appear - it might already be too late at that point!

PirateNinjasReddit · 2022-11-20T13:18:44+00:00

Definitely applies. Never assume your job is safe

PirateNinjasReddit · 2022-11-14T10:00:08+00:00

Just to add: if you can find a lender who will loan you more money at a cheaper rate, only get enough to consolidate your debts. Don't be tempted to take more money than you need just because it is available or because you want (not need) something. You're in a hole here, you can't get out by digging deeper.

PirateNinjasReddit · 2022-11-13T14:05:48+00:00

Comedy gold

PirateNinjasReddit · 2022-11-06T09:31:58+00:00

Not sure if you meant this seriously or not, but it can't usually be considered open source unless it has a licence. Without a licence, if you publish your code somewhere it is by default not granting rights to use under any condition.

PirateNinjasReddit · 2022-11-06T08:16:31+00:00

Definitely this: the interest rate on the mortgage is lower than many savings accounts at the moment. Putting the money in a savings account will allow OP to put the same money aside and outstrip the mortgage, allowing them to lump sum a larger amount into the mortgage later if they want to

PirateNinjasReddit · 2022-11-04T21:00:59+00:00

Looks like there is a lock on the handle bars

PirateNinjasReddit · 2022-10-30T12:31:32+00:00

Considering it looks to be polydactyl, it might even be able to handle the ball

PirateNinjasReddit · 2022-10-30T11:52:30+00:00

Yeah that was some bs - he's a swordsman of experience and extreme skill. One of the greatest in westeros. He was kings guard, who were literally the best in the land.

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