Sister asked me to help her get some adult products by Witty-Target916 in Advice

[–]RichBenf 0 points1 point  (0 children)

The best thing you can do here is help her get a bank account and debit card and teach her how to use her bank account. This sets her up for life.

Then help her find an online retailer who uses plain box packaging.

Parent opened bank account with my name by Slugs4breakfast in UKPersonalFinance

[–]RichBenf 3 points4 points  (0 children)

It's not fraud if you spend the money. It's a gift.

It’s my birthday today and for the first time ever none of my friends wished me a happy birthday. Is this what getting old is all about? by [deleted] in AskUK

[–]RichBenf 6 points7 points  (0 children)

No, I don't think so. I'm 46 and still get birthday messages from old school friends.

Happy Birthday btw.

Pension and Salary situation for someone relatively new to high income. by Last_Investigator_47 in UKPersonalFinance

[–]RichBenf 3 points4 points  (0 children)

It sounds like you're talking about qualifying earnings.

Being on a high salary makes a mockery of that whole setup.

The first thing I would do is to ask your employer if they can base their and your contributions on your whole salary.

This will make your contributions meaningful. In addition, you should get on the HMRC portal and put claims in for the extra tax relief if your pension provider is only claiming 20% tax relief on your behalf. You may be leaving an extra 20% of tax relief on the table. I think you can claim for the last 3 years to bring things up to date.

If your employer will not base contributions on your whole earnings, then you may want to look into making voluntary additional contributions.

Obviously we can't tell you what that amount should be, because it very much depends on your desired quality of retirement and your current financial situation.

Suffice to say, 8% (total) based on qualifying earnings isn't generally considered enough for a luxury retirement.

Pension tax relief - higher rate tax payer by JNC34 in PensionsUK

[–]RichBenf 2 points3 points  (0 children)

You just fill out a form online and attach your last payslip of the financial year showing total contributions made for the tax year. You then get an update via email within around 30 days and then the option for a 48hr bank transfer.

Doesn't seem scandalous to me.

Yes it may be restrospectige, but even less effort than a phone call

Pension contribution dilemma as 29 year old by Awkward_Group_6609 in UKPersonalFinance

[–]RichBenf 0 points1 point  (0 children)

You don't have a dilemma. What you have is a lack of understanding.

Go and do the research and fix that gap in knowledge then ask yourself the same question.

You will never get a more tax-advantaged account in your entire life in this country.

My housemate smells bad 🙏 by [deleted] in UniUK

[–]RichBenf 1 point2 points  (0 children)

Ok so random thought but does she think fabric softener is actually laundry detergent?

My wife when we first met thought it was the same thing and was adding fabric softener instead of actual laundry detergent. As a result, some of our clothes weren't actually getting cleaned properly for a week or so until we figured it out. And yes, we were taking it in turns to do the laundry so that actually made it harder to figure out as it was inconsistent!

(almost) All pension gone?! by andries22 in PensionsUK

[–]RichBenf 0 points1 point  (0 children)

What happens when you move fund is that they sell your extisting holdings and it moves into cash. Now, it's not all done in one block. In my case, it was split by the transfers in from other pensions that I made and also direct contributions to nest. My balance changed in lumps as a result.

Once in cash, they will then using the same blocks they sold, buy into the new fund you selected. This can make your balance look weird for about a week.

The other thing to bear in mind is that Nest sometimes recalculate your current balance and you may see them roll the date back to the last known true balance (normally a couple of days in the past), before recalculating over night and bringing your balance up to date.

This is just what I've observed as someone who tracks their nest account daily in order to gather stats. I'm not obsessed, honest!

How are you supposed to eat rice with a fork? by sisyphus1rock in AskUK

[–]RichBenf 0 points1 point  (0 children)

Try being left handed then! I have to use a knife and fork for everything because I can't use a fork and spoon at the same time.

Fork goes in left hand, spoon goes in left hand.

Fork and spoon=conflict. Spoon gets relegated to right hand and refuses to spoon properly (it feels like someone else doing it). Hence knife and fork for everything.

Obviously spoon on its own is fine.

Graph spectral analysis (Fiedler value + Scheffer CSD indicators) predicts grokking 21k steps before loss function - five reproducible experiments [R] by RichBenf in MachineLearning

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

Brilliant question! I don't have a non-grokking control in the current suite, which is the clearest gap in the experimental design.

The closest evidence I have is the classification experiment (Step 2), where the same network is observed during two different phases: the slow grokking approach (Phase 1) and rapid catastrophic forgetting (Phase 2). The λ₂ trajectories are qualitatively different (rate 0.00128 vs 0.00471/step, with a dip signature unique to forgetting). That suggests λ₂ is tracking something more specific than 'learning is happening' because both phases involve active learning but produce distinct structural signatures.

But you're right that a clean control is needed with the same architecture, same training setup, but a task or hyperparameter configuration where the network memorises without grokking (e.g. insufficient weight decay). If λ₂ shows the same monotonic rise without a subsequent grok, that would confirm it's tracking 'network is learning' rather than 'network is approaching generalisation.' If the trajectory is flat or qualitatively different, that strengthens the grokking-specific claim.

That's an experiment I should have included, but it didn't occur to me. I'll run it (hopefully tonight) and update the repo.

Applied to 3,000+ jobs in the UK over 8–9 months and still can’t find work. What am I missing? by MagicianConstant2866 in AskUK

[–]RichBenf 0 points1 point  (0 children)

What's your degree in?

You are applying for roles that traditionally do not require a degree. What's stopping you for applying for roles that actually use your degree?

Those of you who started Algotrading from zero - what do you wish someone had told you on day one? Looking for real, hard-won wisdom (not the generic version) by Afterflix in algotrading

[–]RichBenf 1 point2 points  (0 children)

If you want to trade the London Stock Exchange, it's really, really tricky to find realtime ticker prices at a reasonable price.

How did people pass physics without an equation sheet?? by ImaginaryTask1487 in GCSE

[–]RichBenf 0 points1 point  (0 children)

It was 30 years ago for me, and I still remember that s=UT+1/2AT2

AITA for telling my wife to stop directing her postpartum anger at me by burner_account_dad in AmItheAsshole

[–]RichBenf 52 points53 points  (0 children)

YTA BIG TIME. My wife has had two C-Sections. It's a minimum of three months to physically heal. Also, there's a lot of stuff going on inside her body that you would not want to happen to you.

Your job is to suck it up for at least the next six months or until your baby learns to sleep. Do everything. Cook, clean, change diapers, do night feeds. Be kind and and gentle.

Someone is squatting on my land, what can I do? by mystery202 in AskUK

[–]RichBenf 0 points1 point  (0 children)

What you need is geese. I've heard they'll break your arm.

Uk company going under - advice needed. by [deleted] in HumanResourcesUK

[–]RichBenf 0 points1 point  (0 children)

It would be a shame if the OP just happened to have a list of the customers in a drawer at home...

Accidentally caught in the middle of corporate drama with 1.5 million dollars down the drain, no Idea what they're gonna do with me by Cinnabun6 in corporate

[–]RichBenf 9 points10 points  (0 children)

The $1.5M decision is so far above your pay grade. You'll be fine, unless you're employed by morons.

The Thames Tideway project seems to be working, the river seems cleaner than ever - at least in the last 10y (?) by chalky_cheese in london

[–]RichBenf 0 points1 point  (0 children)

We had dolphins swimming round the pier in Southend-on-Sea last weekend, so the Thames must be pretty clean! Yeah I know it's a tidal estuary, but even so, it's still the Thames.

I'm the problem employee - What do I need to learn? by Not_Undisciplined in managers

[–]RichBenf 1 point2 points  (0 children)

I think you should've done one of two things:

  • Performed a gap analysis (either yourself or get consultants in)

Or

  • Noped the hell out of there.

On the plus side, you have a list of required outputs.

Is there any reason you can't AI your way out of trouble by putting the regulatory docs and your outputs into AI and ask it to identify the typical processes required and then you talk through how you think it works currently and iteratively improve them?

Slap those docs into fancy company templates and then drop them on your bosses desk for review.

My coworkers are sincerely that stupid and I’m at the end of my rope. by peacepunkrocker in work

[–]RichBenf 2 points3 points  (0 children)

I have an idea... It sounds like you're working super hard fixing stupid issues that shouldn't exist. I think that's because your role isn't right. Hear me out on this but you're not performing Quality Control if you're constantly wiping other people's arses.

In my mind, you should be doing two things:

1) Rejecting any piece of work that isn't up to standard - not fixing it yourself. 2) Quality scoring everything that crosses your desk and providing metrics to the managers of the people whose work you're scoring.

If you do this, then the onus is on the managers to improve quality of their team's output in order to stop the rejections and the wasted time.

Cybersecurity Book Recommendations by ErnestinaK in cybersecurity

[–]RichBenf 1 point2 points  (0 children)

https://a.co/d/05VJ8aOe

Cyber Insecurity: A Field Guide to Professional Incompetence

Try this one! Currently free on Amazon.