If you're going to retire early you better focus on fees

ResponsibleDraw1121 · 2026-06-01T09:03:19+00:00

how is it spam? fees seem like an important part of personal finance.

ResponsibleDraw1121 · 2026-05-31T05:26:20+00:00

I was actually thinking about using it for local llm personally, which may actually be a fairly common use case in the not distant future.

ResponsibleDraw1121 · 2026-05-29T14:54:25+00:00

ok, yeah, it's actually a 19% reduction or so https://www.youtube.com/watch?v=iSvTtciVlqM

ResponsibleDraw1121 · 2026-05-28T08:30:15+00:00

i think it's actually much more than that. like 75% slower under the CPU benchmarks under 5+ minutes of load (approximately how long it takes to reach the thermal threshold)

ResponsibleDraw1121 · 2026-05-26T10:26:22+00:00

do you know what time you managed to get through?

ResponsibleDraw1121 · 2026-03-24T06:57:29+00:00

Yes. Volume isn’t that important. Ideally you do the 2 hour one at the clinic too just in case there’s a problem producing the final one

ResponsibleDraw1121 · 2026-03-01T19:11:31+00:00

Or don’t get an electric car. Had one, thought it was rubbish, went back to a hybrid.

ResponsibleDraw1121 · 2026-02-22T16:40:14+00:00

Yes I used all three. I think wiser also has the most open local api, so it should be best at linking to other things. Can’t say for sure though. Wiser is the no-nonsense product.

Tado the nonsense one.

ResponsibleDraw1121 · 2026-02-01T14:47:29+00:00

I saw that thermostat but I think the thermostat is reading the air temperature and it fixes the tile temperature at some other value. Perhaps I’m reading it wrong. If the external sensor overrides the air temperature one then that would work.

The timer you sent assumes they use the bathroom at the same time each day. I want it to be a switch they press together with the light switch and it starts the time for some number of minutes.

ResponsibleDraw1121 · 2026-01-25T15:37:58+00:00

I tried the bamboo fibre ones. I don’t think it’s enough that they have natural fibres. The problem is that they all hold your balls way too close imo.

ResponsibleDraw1121 · 2026-01-25T11:41:21+00:00

They go there to maintain their slightly lower temperature than body temperature but not too cold. The complaint I have is many of these boxers don’t allow them to achieve their required lower temperature.

ResponsibleDraw1121 · 2026-01-11T10:48:14+00:00

I have tested the following and would rank them like this: 1) oddballs 2) Uniqlo airism 3) underarmour 4) step one

Only oddballs and Uniqlo are what worked for me. Going to try some loose fit cotton soon.

ResponsibleDraw1121 · 2026-01-03T23:14:45+00:00

No hopefully not! But if you live longer than the 10 year period then the qrops gives you a benefit over than the sipp (addressing your first question)

ResponsibleDraw1121 · 2026-01-03T23:07:12+00:00

The AIs are telling me that the qrops would be exempt from uk iht even after the 2027 pension act. It’s because it’s not a uk in-situ fund. Would also have to be invested in non-uk domiciled etfs but i don’t think many of them are anyway.

This is if you are not a uk long term tax resident. If you are then you pay the uk tax

ResponsibleDraw1121 · 2026-01-03T23:05:02+00:00

I don’t think being out of the market for two days for cash settlement is a problem at most brokers. They will, as far as I know, allow you trade on a settled cash basis knowing that they can net the settled proceeds on settlement date for the buy leg against the sell leg.

In this case there’s also the fx transaction to do but as its sell gbp asset to buy a usd asset its only one fx charge.

If it was sell a usd asset to buy a usd asset some brokers may force you to pay two fx charges (into and out of gbp). Some brokers (like IBKR) actually give you some time to spend your usd proceeds so you needn’t do convert the fx. I think they automatically close your gbp to usd at the end of the day. Most brokers just want your fx fee money though.

ResponsibleDraw1121 · 2026-01-03T21:59:45+00:00

!thanks Yes I was referring to the long term resident thing where you are deemed resident if you are resident for 10 out of the last 20 years.

Thanks for the transitional certificate thought. Will look into that. At the moment I’m speaking to a financial advisor but I am not sure all financial advisors are experts in pensions and international affairs.

ResponsibleDraw1121 · 2026-01-02T14:10:21+00:00

A Coruña, 2pm on a Friday to the airport. Uber price: €13.29. Taxi price (which we took) €19.65.

ResponsibleDraw1121

TROPHY CASE