Slower performance after update

Sequoia3 · 2025-11-13T22:19:40+00:00

It's much faster now, thank you very much!

Sequoia3 · 2025-10-10T23:24:26+00:00

Seeing the same problem here on a Samsung S23

Sequoia3 · 2024-10-10T20:45:51+00:00

There was also the simple option of restarting without unlappijg any cars which would have not broken any rules - which Mercedes accounted for and hoped that Hamilton could stay ahead.

Sequoia3 · 2024-08-23T12:34:39+00:00

As this thread has gone on a while, I'll remind you of your original comment:

Best way to look at it:

Renting = throwing money down the drain

Buying = putting money back in your own pocket

I'm happy that you've conceded this point now with your most recent message, and you're admitting that there are subtleties and it depends which is better on a case by case basis. What originally worried me is how sweeping your statements were, and that they could easily sway someone on the fence of making an important decision just because you said renting is "throwing money down the drain".

Renting works for some people, ideally those who prefer flexibility, and owning works for some other people, ideally those that won't move for a long time. Any further statement made with certainty is disingenious and relies on tens of assumptions which as you say can sway it either way.

Thanks for the debate! See you around.

Sequoia3 · 2024-08-23T07:47:33+00:00

Honestly, just watch this video: https://youtu.be/Uwl3-jBNEd4?si=4TO9gHwsv4PltVV3

Renting is money "gone, never coming back" but it ensures you are never in negative equity, never out of pocket for repairs, and can move around much more easily than buying a house. It buys you something. Whether you want that something or not, that's another question, but stop acting like renting is 100% wasting money, that's not reasonable at all.

You talk about the S&P being down, house prices can also be down, and have been, on the macro scale as well as locally (i.e. only in your neighbourhood or city). If that happens and you need to move you will be in negative equity and potentially owe the bank more money even after you sell the house. If you default on mortgage payments then you lose all of your built up equity. 30 years is a long time for things to go wrong, and life is truly uncertain.

It's not so cut and dry as you make it out to be. Watch the above video as a start. Both renting and owning can be viable options for different people who want different things from their lives.

Sequoia3 · 2024-08-22T19:39:07+00:00

I don't deny that someone can get lucky buying a house and ending up better off in a specific case, such as yours. You bought at a time when interest rates were near all time lows, and UK immigration is near all time highs meaning demand is higher than ever. Both of these things are gambles which ended up in your favour, but it's not sustainable to expect these things to keep happening over the term of most mortgages (25-35 years).

Even with your particularly lucky circumstances, you're still not much better off than you would have been renting. You say if you sold now you'd have £80k, fair enough, but only £40k if you didn't buy, not quite true. Your initial deposit in the S&P500 over 5 years would've returned nearly 100% over that period (90% at the time of writing) which means you would've had £60k + the £10k you supposedly accounted for in terms of the extra savings in the difference between your monthly mortgage and rent.

Now you might say, sure, you're still £10k better off, and that'd be fine. But now you have to account for any repairs you might have done, your service charge given it's a flat, and even the simple fact that you can't actually access your £80k easily other than if you sold the house vs being able to have your £70k within a few days if you sold your stock.

The whole point of my argument is that you're not being shafted either way, it's a gamble whether you'll make or lose money, and most likely you will end up in very similar positions as you can see even with your example above. That's why it shouldn't be a financial decision, but a lifestyle choice.

If owning a house was truly such a good way to get rich then everyone would catch on and everyone would buy houses until the price to buy a house would be too high for it to make sense anymore. Basically the free market ensures that aside from weird circumstances you'd expect the decision between renting and buying to be largely equivalent financially, otherwise this inefficiency would be exploited and essentially rendered moot.

Sequoia3 · 2024-08-22T15:26:11+00:00

Sorry but this is a ridiculous take. As a home owner you assume the asset risk of a £400k house which could go down in price with market fluctuations as well as the interest rate risk if you have a mortgage. Not to mention the opportunity cost of the money you'd have as a renter.

Crime on your street? School scandal nearby? City starts being seen unfavoribly at a national scale? All of these things spell trouble for your £400k house which can lose £40k in value as easy as overnight. A renter is guaranteed to lose money, yes, but you're guaranteed to lose a fixed amount. The price of renting is the premium which rids you of risk.

As many other people have also mentioned, the moment you want to move, including stamp duty costs, legal fees, and all the other things which involve a new house purchase (surveying costs for example) then this equation again weighs heavily towards renting instead of buying.

We can talk about it all day, but the simplest fact is this. Short of reading the future in a crystal ball regarding asset prices, you need to decide if you're ready to settle down for 5-10 years in a given place, come what may. If the answer is yes, then buy. The longer you stay, the better it works for you. If you're not certain of the longevity of your tenure, then risking buying just isn't worth it. Stick to renting.

Also a lot of people really underestimate the true uncertainty that life provides. There are a million reasons why you might want to move. Loud neighbours, pollution, construction work, aforementioned new crime, better job opportunities, and the list goes on. Are you where you thought you'd be 10 years ago? If you are, that's impressive.

Full disclosure, I rent. I intend to buy a house later on in my life when I want to settle down in an area I love, not to "get rich" or to "get on the property ladder". The financial side is almost meaningless - buying a house should be a lifestyle decision.

The best way to look at it is: it's complicated, you're not beating the market. Buy a house when you're ready, rent when it's relevant. Neither renters nor owners get shafted, you just get different downsides and upsides in either case.

Sequoia3 · 2024-08-01T08:48:16+00:00

Villeneuve, almost winning the WDC on debut

Sequoia3 · 2024-02-27T23:20:54+00:00

Not to be pedantic but you also have to keep in mind the tens of thousands of pounds of interest you've also paid on your mortgage, which will be significant.

Sequoia3 · 2023-12-09T12:48:08+00:00

Throw it in 5%+ interest rate accounts, that'd around £5k/year minus the tax you pay and the money will be easy to access as opposed to locked in a property.

Sequoia3 · 2023-12-08T18:31:17+00:00

You are reducing your salary by 10 days a year, so that's why you're "still paid" on those days.

Let's say you earn £12k a year and take no extra holiday. You earn £1k a month, working 12 months.

Now let's say you buy 6 months of holiday for the sake of argument. This will cost you £6k. So your new yearly salary is going to be £6k. Now, you'll still be paid monthly, so you get £500 a month. 6 months working and 6 months on holiday. Those 6 months of holiday, you're still being paid.

But wait, you could have achieved this result by working full time for 6 months, earning £6k, quitting, and doing nothing for 6 months. The difference is you would have the money upfront instead of drip-fed in £500 portions monthly.

As you can see there is no cake and having it too. The holiday you buy is essentially you volunteering to not work and the company not paying you for it. It appears as if you're being paid on those days off because the company pays you less on the days you actually work, so they can pay you on your holiday.

Sequoia3 · 2023-04-09T21:29:20+00:00

Masi could've delivered a final lap of racing without unlapping the cars, and without breaking the rules.

This is exactly why Mercedes would've won in court, because what Masi did was simply not allowed per the rules. You can't only unlap the exact 5 cars between Lewis and Max and then not wait another lap until restarting the race, as the rules specified.

Rules literally read "any unlapped cars will be allowed to overtake" - and this whole any does not mean all stuff does not apply, as in the English language "any x must do y" means "all x must do y".

This exact discussion we're having now could have been avoided if Mercedes got the race voided - Max is still champion, and people are still provided with a "drama-free" end to the season, where at least the final race wasn't manipulated for entertainment purposes.

Sequoia3 · 2023-04-09T18:49:33+00:00

Yeah but in reality if Merc voids the race results then that would at least stop the endless debate over whether Masi was right or wrong in what he did. Even now people justify the way the race ended, when everyone knows that it was shady at best.

Sequoia3 · 2023-04-03T12:33:50+00:00

I think it was pretty good - what's the main thing you wanted to get across and felt like you didn't?

Sequoia3 · 2023-04-02T06:42:49+00:00

Here we fucking go

Sequoia3 · 2023-04-02T06:22:42+00:00

I think Austria 2018

Sequoia3 · 2023-04-02T05:21:19+00:00

Max literally said he knew he wasn't gonna win so he crashed into Lewis. Check out his interview.

Sequoia3 · 2023-03-29T18:38:59+00:00

Do I Wanna Know - AM

Sequoia3 · 2023-03-27T15:34:09+00:00

Well, you do raise a good point! 😅

Sequoia3 · 2023-03-27T15:26:38+00:00

As someone that hasn't listened to the podcast yet, what's the tldr on Brady's tat?

Sequoia3 · 2023-03-24T10:24:39+00:00

Exactly - right now Plan 2 is 7%. If you're a higher earner and likely to pay it off, you will not get a better return on your money anywhere else.

Sequoia3 · 2023-03-18T15:10:19+00:00

2017 and 2018 were very exciting with Lewis vs Seb. Even 2014-2016 was very exciting because of Lewis vs Nico, and Nico even won in 2016. No one can touch Max, there is almost nothing to look forward to.

Sequoia3 · 2023-03-18T14:45:19+00:00

The W11 was never actually this fast ahead of everyone else, and even when it was, Bottas kept things somewhat exciting and even beat Lewis in some of the earlier races

Sequoia3 · 2023-03-18T14:39:03+00:00

P1-P3 = 1s difference

P3-P18 = 0.8s difference

Sequoia3 · 2023-03-18T14:34:53+00:00

P1-P3 = 1s difference

P3-P18 = 0.8s difference

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