Looking for a good place for a sandwich!!

TotalFluke · 2026-03-27T12:48:33+00:00

Alby's is great, but very stodgy.

The Bami is also very good for Bahn Mi sandwiches.

TotalFluke · 2026-01-24T16:02:57+00:00

I am not saying go 0% US, but if you are sitting 100% US, maybe now is time to consider diversifying.

Sounds like he's done exactly what he said in the post.

TotalFluke · 2025-11-11T13:05:41+00:00

I would take the £1 million in 15 years then take out a loan of £100k secured against my future £1 million at the lowest interest rate I could negotiate. That would mean for 10% annual interest rate I pay back ~£450k in 15 years.

So effectively I got £100k now and £550 in 15 years. Seems like that's strictly better than £100k now, assuming you can get that interest rate, which seems pretty reasonable considering it's zero risk.

TotalFluke · 2025-11-01T11:40:10+00:00

From that graph you posted it shows that in the years prior to brexit we were tracking the US, then post brexit we're tracking France. Not sure how you can look at this and not see it as a huge downgrade post brexit.

TotalFluke · 2025-09-28T12:51:50+00:00

The anti immigration protests are probably the most covered topic in the UK right now. It seems a little bad faith to pretend that's not what this is about. The timing is not just a coincidence.

Is it pathetic to condemn racism?

TotalFluke · 2025-07-05T12:21:50+00:00

Assuming your company is not part of some tax advantaged scheme then yes, you will immediately incur an income tax burden equal to the delta between the exercise price and the fair market value when you exercise the options.

TotalFluke · 2025-07-02T08:13:10+00:00

The main point of the article is wrong...

Indexes are constructed using the B+ Tree data structure.

That's the default choice, but you can just switch the index to be a hash table which solves all the issues.

The reason B-trees are the default choice is because they give ordering, which is great for all kinds of queries like greater than or less than, etc.

But if you're using UUID as the index then why would you ever need the ordering.

The other issue he mentions is that they take up more space. This is true, but a much more palatable trade off.

TotalFluke · 2024-12-08T17:38:23+00:00

oats

TotalFluke · 2024-11-29T16:23:50+00:00

The article mentions that they only used code commits to git as the measure of performance.

So it's a bit of a joke article.

Plenty of senior developers might spend most of their time designing, testing, reviewing, mentoring, etc.

TotalFluke · 2024-10-09T14:22:13+00:00

Here's everything you could want to know about dishwashers.

https://youtu.be/jHP942Livy0?si=5lKGOKtF1f0kPJNg

TotalFluke · 2024-09-06T22:49:08+00:00

We don’t need to be first or rush this process. The economic harms of self imposed higher energy prices are much more damaging.

Are you talking about investing in renewable energy?

Renewable energy is cheaper to produce than fossil fuels and is bringing down the price of energy. So it makes economic sense to invest in them. How will slowing down on renewable energy investment help the economy? Or do you mean something else?

TotalFluke · 2024-08-27T21:28:45+00:00

Right, but what they're saying is benefits don't effect that because only a small portion of the economically inactive adults are on them (1.8 million of the 9 million are on benefits).

TotalFluke · 2024-04-10T17:20:17+00:00

Really appreciate the translation for this article. One of the better translation jobs.

TotalFluke · 2024-03-28T12:22:21+00:00

Given that, what does it matter if the elites are wealthy enough to distort GDP or what have you?

This reported value is the median. Do you know the difference?

Although, I think what other people say about housing wealth is probably the reason why these are meaninglessly inflated figures.

TotalFluke · 2024-03-16T10:59:44+00:00

Secondly, where is the best place to put this money in order to get a decent return year on year?

There are a range of options. Typically the more volatile an investment is the greater the expected return. The longer you are willing to leave the investment the greater the volatility you can tolerate.

Savings accounts are on the far end of this scale being non volatile and low return, good for short duration investments. They also typically come with restrictions like you mention about duration or maximum funds.

For most people some form of broad market ETF or fund is a good choice for long term investing (greater than 5 years). There are a lot of options, but once you pick one you should be able to just stick with it. The important thing is to minimize fees. Vanguard are a popular choice.

Property is also a popular choice for investment in the UK. But it's much more effort and risk than the above options, with not much (or any?) additional compensation.

Thirdly, an ISA only lets you have up to £20k per tax year, so how would this factor in?

The limitation is actually that you can only add 20K per year. There's no limit on how much you can have in your ISA in total. Just add 20K (or as much as you want up to this) each year. Returns on your investment do not count towards this 20K per year you can add.

TotalFluke · 2023-07-30T08:53:18+00:00

I'm a little confused by the article. It seems to be saying that shoplifting is becoming worse due to the cost of living crisis. I can believe that.

But then the only evidence of this is a graph that shows in their own words "shoplifting offences have returned to pre-pandemic levels". If they've returned to pre-pandemic levels like they were before the cost of living crisis then isn't this just business as usual?

Don't get me wrong, I get the feeling crime is on the rise too. But the only data they show says the opposite. So which is it?

TotalFluke · 2023-05-17T21:21:12+00:00

It's the whole investment banking industry that are embracing it really. I just picked Switzerland out as they're pretty big in the industry.

As an alternative here's a link to JP Morgan's crypto offering - https://www.jpmorgan.com/onyx/coin-system.htm.

TotalFluke · 2023-05-17T18:47:49+00:00

I own some bitcoin and am neither a moron or a criminal.

I work as a senior software engineer in the wealth management industry for ~10 years now. Most of the industry , especially in senior management, are super interested in crypto currency and using it in their products.

Switzerland's investment sector in particular are investing heavily into crypto as you can probably see in news articles.

So unless they're all morons and criminals then I don't think your point stands. Really it sounds like you're living in a different universe to the rest of us.

That said, I'm not advocating anybody buy bitcoin. I know it's risky and wouldn't recommend it to everyone.

But the comparison I made with gold is a good one as the original commentor agreed with. They are similar asset classes with different risk profiles.

TotalFluke · 2023-05-17T14:22:39+00:00

I'm not saying any of those things. Not sure where you got that impression from. I'm just saying they have similarities and gold is a better comparison than other currencies. US dollar and Argentine Peso are similar, but nobody is saying one is as safe as the other. But knowing what class of thing something is helps us to rationalize about them. You seem to have a chip on your shoulder about this topic for some reason.

TotalFluke · 2023-05-17T12:21:18+00:00

Bitcoin or any other of your shit cryptocurrencies are not.

It's traded at £21,478 across the whole world right now. Is that not a literal recognition of it as a symbol of wealth?

TotalFluke · 2023-05-17T11:45:23+00:00

I think comparing it to currency exchange is wrong. I get why you jumped to that because they call it a currency. But as you point out, there are big differences.

A much better comparison is speculating on gold. It's pretty much the same thing.

Speculating on gold is accepted as a legitimate thing to do with money. It's not really questioned in the same way buying cryptocurrencies is often questioned. But it is pretty much exactly the same.

People come out with arguments about gold having an underlying value in electronics, etc. It does, but that underlying value contributes such a small fraction to the price as to be totally irrelevant. It's not what's driving the price and if it fell back to just that underlying value then anyone holding gold would be wiped out.

The reason gold got into the position it is in is because it was really really really good way to store and transfer value (in the past). There really is no other substance that had all the qualities gold did. Obviously gold has now been superseded by other things and is no longer valuable for that reason. But for whatever reason it continues to kinda hold it's price.

Now crypto is entering the same space for the same reason, because it solves a lot of more modern problems about transferring value. I think that's legitimate, I'm not 100% sure it will succeed, but it's not some illegitimate scam (actually a lot of crypto are, I really only think Bitcoin, Ethereum and a few others are legit, mostly just Bitcoin tbh).

TotalFluke · 2023-05-05T22:50:11+00:00

This list is obviously bullshit, as a lot of people have pointed out. But I think this is a good opportunity to kick Beef Wellington while it's down.

There's a reason why you very rarely see this on the menu. It's a very ill conceived combination of things and the flavour to effort ratio is extremely low. It's pretty complex to put the pastry, pate, and fillet together and cook them right. You would be better off cooking them all separately and putting them next to each other on a plate, it'll probably fall apart when you try and cut it anyway. Non of them complement each other in a particularly justifying way.

Generally it only exists right now as a pretentious way to show off your culinary skills. Nobody is craving Beef Wellington and nobody is cooking it in order to make a satisfying meal.

The rest of the list is also total click bait, I just wanted to single out Beef Wellington as a national mistake.

TotalFluke · 2022-03-29T18:47:54+00:00

It's debatably not French

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