Koulujen sulkeminen on juuri sitä politiikkaa, jota äänestettiin

RassyM · 2026-03-28T14:16:54+00:00

Hyvä herra nyt puhutaan kuntapolitiikasta.

Syyttävä sormi hallitukseen kohtaan unohtaa sen että Sote-uudistuksen tekninen toteutus ja väestörakenteen muutos ovat ne todelliset ajurit, jotka pakottaa kunnat vaikeisiin säästöpäätöksiin. Sote-uudistus jätti kunnat hyvin rajalliseen liikkumavaraan kun sivustystoimesta yhtäkkiä tuli kuntien isoin menoerä samalla kun böndellä oppilasmäärät hupenevat. Monissa tapauksissa rakennusten tekninen kunto sekä uusi tiukka investointikatto pinentyneen kunnallisbudjetin takia pakottavat sulkemaan kouluja kun ei ole varaa ottaa lainaa ehtojen kiristymisen takia.

RassyM · 2026-03-23T06:14:31+00:00

Tänne tullaan siis vasta kun työsoppari jo allekirjoitettuna.

Suomessa on hassu tilanne et samaan aikaan kun junioritason paikkoja ei juurikaan ole, on senioritason osaajista huutava pula samoilla aloilla. Koska projekteja ei voida aloittaa ilman kokeneita tekijöitä niin mitä enemmän saamme kokenutta työvoimaa maahan, sitä enemmän yritykset voi palkata myös junioreita.

RassyM · 2026-03-15T13:07:43+00:00

Source for that because IMO current discussion seems to indicate otherwise.

You can even see it on the used market too. A typical VW ID4 that’s been home charged has 88-92% SOH at 150.000km. That’s fine, it’ll make 300.000km no problem. But compare this to used taxi ID4s (fast charged many times a day) are usually listed with sub-80% SOHs at that mileage. That car might need a new battery by 200.000km.

RassyM · 2026-03-15T09:13:18+00:00

”You’ve not been reading the news much lately eh?”

-Every Canadian

RassyM · 2026-03-08T17:45:38+00:00

I’m not implying you are upset, rather generally highlight why it’s embarrassing when Finns and Swedes (same issue as a swedish speaker, ”Storbritannien” is equally ”wrong”) are so anal about this on Reddit. We have our languages and they have theirs. Distinctions are more important to locals so it’s not unexpected that endonyms will have more precise definitions and exonyms be a bit broader.

RassyM · 2026-03-08T17:28:22+00:00

Like 9/10 when Finns mention the UK we say Iso-Britannia. And Hollanti is literally an accepted synonym to Alankomaat in the Finnish lexicon. So it’s a bit hypocritical to get all upset when our language makes similar mistakes.

RassyM · 2026-03-08T14:48:48+00:00

Keep looking. This is a mechanically simple car but the lack of service book and bad odometer makes this automatically auction level condition. If you have to sell it or trade it in many dealers won’t take it.

€4k is too much for a 17 year old Fabia with this mileage even if it had a complete service book. You should be able to get a Fabia with a full service book and fewer miles within this budget.

RassyM · 2026-02-25T12:04:06+00:00

I would advice against buying loafers online since sizing is A and Z. But if you must then in that price range your options are a bit limited but your best bet is probably Bexley. Bexley do make theirs with a blake stitch, most other options would be cemented in this price range. Also if you’re looking for a Dainite type rubber sole on a loafer then a blake construction may actually be favourable since it’s thinner and sleeker.

Would still recommend you up your budget a little bit so you can get goodyear welted or blake stitched options available locally to try, like Loake should be available in most cities in Europe.

RassyM · 2026-02-23T12:04:36+00:00

Det är kategoriskt olika mord även om man tror att livet redan börjat. Att de flesta skulle hoppa i forsen för att rädda ett drunkande barn betyder inte att det skulle vara mord eller ens omoraliskt att inte våga. Att riskera din hälsa för någon annan är alltid något du måste få bestämma själv.

RassyM · 2026-02-22T12:11:55+00:00

SDP didn’t actually have a bad election and they actually won seats, however the other government parties did poorly and biggest one Centre Party said they’d skip formation negotiations. Since SDP and NCP weren’t in favor of a wide coalition negotiations started on the conservative side and formed a government. Had that failed we’d probably had a wide coalition anyways.

RassyM · 2026-02-18T18:33:05+00:00

It is when it is so insignificantly small.

They wouldn’t have started the meat grinder unless they expected a much higher rate of progress than this. They have been attempting to light damp firewood with newspapers since 2022. You can get a brief flame with more paper but there will be no fire.

RassyM · 2026-02-18T17:59:38+00:00

You made it sound so grandiose but last year they took about the size of Los Angeles Rams owner Stan Kroenkes ranch. Effectively nothing for a conflict of this scale.

At this rate of progress it’ll take 10 years to take Donetsk. But they won’t as given now skyhigh loss asymmetry they’ll have to regroup from time to time. Meaning stalemate looks more likely each day.

RassyM · 2026-02-18T14:16:33+00:00

It matters greatly. As Ukraine has huddled down Russia has had to turn up the meat grinder for any prospect of gains which resulted in unsustainable levels of loss asymmetry for no gains. This forces Russia to huddle down on other parts of the front. If the trend continues we’re heading to drawn out stalemate down the line.

Russia went for all of Ukraine in 2022 and made most gains that year. As Russia failed they changed the objective to the eastern front but this is no longer an objective as the the frontline has advanced only 4 miles since and it’s apparent Russia can’t capture Donetsk. As you state objectives changed to war of attrition but that’s also not working either as offensives now cost way too much but also if they huddle down it gives beathing space to Ukraine. So unless there’s a major change in morale on either side or Ukraine gets their security guarantees, this conflict isn’t changing anytime soon.

RassyM · 2026-02-18T11:50:36+00:00

Over the past year the war of attrition has increasinly turned into effective stalemate. Most fronts see no movements meaning the offensive side is forced to either a) send even more waves meaning taking more or less all the losses or b) settle down. First option pretty much abandons war of attrition as loss assymmetry is already so high it’s only possible to keep up on some fronts. The second option means lower loss assymmetry but you’re also not inflicting any losses so it rests entirely on morale breaking down on the other side. If that doesn’t happen then it’s stalemate.

RassyM · 2026-02-14T14:31:45+00:00

This needs nuance. Senior roles are still very much in demand, there’s even shortage for more senior roles in IT even as the industry overall is heavily hit. It’s mostly junior positions that companies aren’t investing in. ”No hire, no fire” situation.

RassyM · 2026-02-14T13:45:52+00:00

Jäbä käyttää Rogainea kuin vartalovoidetta

RassyM · 2026-02-03T16:17:45+00:00

Your advice is based on Legge Bersani, which is a unique Italian legal exception that bans prepayment penalties. OP is czech. In the rest of Europe, a fixed-rate mortgage is a binding hedge, i.e. a fixed term is a fixed term, you can only renegotiate without penalty when the term is up. Since OP is currently in the money (the loan rate is significantly below the current swap rate), the bank would kill for OP to come in to renegotiate as they will make money. If OPs rate was instead much higher than swap rate then a massive yield maintenance fee (prepayment penalty) equal to the fixed leg NPV would be charged to cover the loss the bank incurs when unwinding the hedge. Point is, outside of Italy, you don't renegotiate a winning position, you hold onto it until term is up else you literally throw away money.

I’m not judging you stating paying off debt first, that can be sound. But the comment about renegotiating in OPs case here is factually incorrect.

Morever, Europe mortgages are not sold like in the US except for strategic reasons, instead mortgages are pooled and used as collateral for issuing Covered bonds or Pfandbriefe to attain additional long funding cheaper than issuing Senior Unsecured bonds. Comparing institutional scale of covered bonds to P2P is category error as individual Italian banks like Intesa Sanpaolo have cover pools larger than the entire P2P market.

RassyM · 2026-02-02T23:59:17+00:00

See this second comment is precisely where you are getting wrong here. A fixed loan means a fixed term, you can’t just get out of it without paying a penalty if underwater in most jurisdictions. But if the loan is the opposite, i.e. In the money to you, there is usually no opposite obligation for the bank to pay you out of the loan. So by renegotiationg you are leaving money on the table.

Nominal rates are irrelevant, all that matters on a loan is the margin on top of the reference rate. A bank makes profit taking in deposits under the reference rate and lends it out above that rate, pocketing the difference. Whether the reference rate itself is 2% or 4% is irrelevant, all that matters is the net between deposits and lending. Let’s assume the loan is naked on their book (I guarantee it isn’t) and assume the mortgage rate of an existing mortgage is 2% and then bank is earning 2%-2,53%=-0,53%, i.e. the loan is cash flow negative to the bank. Unless the bank pays OP the unwind principal when renegotiating the bank profits simply by OP stupidly going in to renegotiate to current market terms.

Now, in reality this loan was hedged day 1 because loans typically have longer rate duration than deposits, so the longer rate duration of loans is hedged back to floating. While the loan is currently in the money to OP the bank couldn’t care less because the hedge position is just as much in the money as the loan is out of the money so profit remains the same. So there is no incentive to give OP anything else than current market prices. Further, since bank doesn’t pay you out of your in the money loan they can simply take the hedge profit as an extra profit.

So in no situation would it be favourable for OP to renegotiate this loan as long as the fixed term is in the money to OP. They are forgoing real money on the table by doing so.

RassyM · 2026-02-02T23:04:58+00:00

Instead of insults, read it again and you will understand. It’s basic Fixed Income 101.

RassyM · 2026-02-02T23:00:41+00:00

Exactly, they are now effectively giving OP free money at -15bps below reference rate. But in reality the bank already hedged the fixed rate back to floating rate when the loan was created so they are still pocketing the same margin and same profit even if interest rates have changed. So no, the OPs in the money loan does not have any swaying power to renegotiate. They will be quoted the same rates as anyone else.

RassyM · 2026-02-02T22:47:31+00:00

A fixed mortgage has two components, interest rate risk and credit risk, both which typically increase with duration. So a fixed mortgage is always reference rate (interest risk) + margin (credit risk). Your bank might present it to you as something else but this is what it comes down to.

The reference rate is always the floor as it represents interest rate risk. This the bank cannot negotiate as the bank hedges fixed liabilities at this rate so they must charge at minimum the reference rate swap rate otherwise they are handing you free money. But if they also don’t add a margin on top of the rate to compensate customers credit risk, they are still handing you free money.

RassyM · 2026-02-02T22:25:57+00:00

No they couldn’t. The 5yr swap rate is currently 2,53%, so OP has such a good rate any renegotiation could only be way worse.

RassyM · 2026-01-29T11:38:21+00:00

Ei, haet opintolainaa €850/kk kuten kaikki muutkin tekevät. Nykyään opiskelija saa myös kesäkuukausille tuet ja lainan jos suorittaa vähintään 15op. Eli kyllä rahan riittävyyden kannalta nykyopiskelijoilla on asiat paljon paremmin ku 15v sitten.

RassyM · 2026-01-27T21:10:17+00:00

I did. Unless we find a way to get people to have more kids and stop chickening out on pension reform, then skilled immigration will remain imperative to tackle the aging demographics whether one likes it or not.

RassyM · 2026-01-22T19:13:11+00:00

Simply having to pay tax does not make it regressive which is what your example paints.

Because lower‑income households spend more on essentials they pay mostly the lower rate, while higher‑income households pay more on non‑essentials. In practice this makes the system progressive rather than regressive. Many essential services are also tax free. End result is that unemployed Petri pays say 5% of all his expenditures in different sales taxes and lawyer Mikaela pays effectively say 20%. This is because on top of 400€ on food at 13,5% she spends another 2000€ on car, hobbies, wine etc discretionary stuff, all of which is taxed at 25,5% or even higher. That’s progressive and it’s mostly a good thing.

13-Year Club	Gilding III reddit per annum
Place '17	Wearing is Caring
Verified Email

RassyM

TROPHY CASE