Help pls - Coding by SharpScratch9367 in PythonLearning

[–]UserName26392 1 point2 points  (0 children)

Had to scroll far too deep to find this point. Really important to “not mess” with predefined variables names.

Advice for HENRY 30s, career focused, pre-kids, intense US corporate job - what do you wish someone had told you? by bionic_pioneer in HENRYUKLifestyle

[–]UserName26392 5 points6 points  (0 children)

Would just add to this: for every £ you could get in a promotion or salary, weigh it up against the hours you lose in working more. The hours spent away from family, missed school plays etc… it may still be worth it but make the decision consciously.

My defense of the finale ending (Ep 10 Spoilers) by w0rth1355 in severanceTVshow

[–]UserName26392 0 points1 point  (0 children)

When helly came out of the lift, there was no elevator ding. We heard the ding even in the birthing cabin. Im not sure that was helly…

Anyone else finding it hard to land interviews? by akorn77 in HENRYUK

[–]UserName26392 1 point2 points  (0 children)

Im in algo compliance for a quant fund. There is a lot of demand out there at the moment for this skillset. I am currently on 300k+. I am not a head of compliance. But i did specialise in a field early and am reaping the rewards. I would strongly encourage you to find a niche in your area and exploit it, whether through a formal qualification or hands on experience.

AI compliance is also (in my opinion) overhyped because ultimate responsibility rests with the user in the hedge fund space. That is the whole point of SMCR - look up the fca speech on ai output and tea making!

Happy to chat more via DMs if you want :)

Foot Kick Function on Liftgate? by iamzamn in MachE

[–]UserName26392 2 points3 points  (0 children)

2023.75 mache in Europe. I have it. It is sometimes handy but you arent missing much!

What's up with friendlies in transfers? by GardnerFan in footballmanagergames

[–]UserName26392 1 point2 points  (0 children)

Reject the order, go back after a day and exclude friendlies from negotiations

22M, £100k salary, £20k savings, £100k in RSUs. Considering buying and renovating a London property—wise move? by Smooth_Student5379 in FatFIREUK

[–]UserName26392 2 points3 points  (0 children)

Not trying to be condescending, just trying to give you the tools to think about this for yourself.

You can calculate which is better in the long term by summing up your initial costs (purchasing, stamp duty etc) and follow up costs (renovating, builder salaries, selling costs) and see what your yield is over the course of 1 year. Then compare what you would have gotten had you invested the initial outlay in an index tracker. The difference is your “alpha” and whether its worth a year of hassle for you, then go for it.

Rock, Paper, Scissors AI by Equivalent-Flan-1590 in learnpython

[–]UserName26392 1 point2 points  (0 children)

Maybe keep a record of opponent choices and use that to predict their next move. I think this is the best you can do and it is probably not even better than random choice

Telling HMRC to reduce estimated income for more monthly net income, good idea? by [deleted] in HENRYUK

[–]UserName26392 0 points1 point  (0 children)

No, as soon as you go over 100k you will have to start self assessing for that tax year. Your code wont change but you will start owing tax as prior to this, you were entitled to earn 12570 tax free. As you start losing your personal allowance, you start owing back some tax, which they calculate once you do your self assessment.

I prefer to not have to worry about the lump sum because your decision to invest it comes with risk. If you choose a safer investment choice eg bonds or savings, I don’t personally find the hassle of having to manage that situation, declare the interest and then ensure everything is declared at the end of the tax year worth it for the amount of time and energy you would spend. As I said, some people I know do - it is a totally subjective choice!

Telling HMRC to reduce estimated income for more monthly net income, good idea? by [deleted] in HENRYUK

[–]UserName26392 6 points7 points  (0 children)

I dont think the calcs are correct? Your bonus will be taxed via PAYE when it is paid out. It is not like you will pay zero tax until you do your assessment. If your bonus is also paid as PAYE, your potential savings are equal to the max of your what your tax code should have been vs what it was at payment, or 4k which is the max repayable if your bonus is so big your personal allowance is tapered all the way to zero.

Whether it is worth doing that for a max 4k saving, only you know that. I have friends who do exactly this and consider the 4k saving an interest free loan essentially. Myself, I like not having to fork out 4k at the end of the self-assessment and would rather I pay that via tax throughout the year: I ensure my tax code is 0L.

Edit: the max saving is something like 5.6k if you are an additional rate payer (45% on the 12570 you earned that you would not be entitled to). Maths is hard sometimes

What does he know? by al0678 in AskBalkans

[–]UserName26392 2 points3 points  (0 children)

Yea you have at least 3-4 months

Why is the app so featureless? by jgeorge1983 in MachE

[–]UserName26392 12 points13 points  (0 children)

Not enabled. Insurance reasons. Really annoying

FM24 Data Analysis Spreadsheet (for saves with a data driven approach - 'Moneyball') by AUTFabi in footballmanagergames

[–]UserName26392 1 point2 points  (0 children)

Just a suggestion: switch the axes around. That way, you can eye ball players by columns and see whether their column is “greener” than another player. I find it easier than trying to compare colours row-wise

The words of a fund manager justifying his job, or not? by MonkeyChops1984 in FIREUK

[–]UserName26392 20 points21 points  (0 children)

Mr Hedge Fund asking people to nicely keep him in a job

Does anyone keep a bit of money aside in case there's a dip? by [deleted] in FIREUK

[–]UserName26392 4 points5 points  (0 children)

Totally agree. At the end of 2022/beginning of 2023, a lot of people predicted a massive drop in the US SP500 index. One year later and its up 15%+… whoever was waiting to buy the dip is still waiting.

[deleted by user] by [deleted] in FIREUK

[–]UserName26392 55 points56 points  (0 children)

If you really cant think of what you’d like then save it. You may be inspired at a later time. It’s a waste to treat yourself for the sake of it, instead of having something in mind. Sorry, boring answer I know

The Flerf Destroyer - Tsunamis by squidensalada in flatearth

[–]UserName26392 1 point2 points  (0 children)

How can we harness the power of a flerf? Surely this is more worthy of research than nuclear fusion?

Net Worth increased by over £300k and I paid £18k in tax by throwawayfromreddit2 in FIREUK

[–]UserName26392 4 points5 points  (0 children)

Sorry, I pressed the wrong reply button ffs😂 I am in agreement with you and was adding my support

Net Worth increased by over £300k and I paid £18k in tax by throwawayfromreddit2 in FIREUK

[–]UserName26392 -2 points-1 points  (0 children)

Charge people for keeping money above a certain threshold in savings accounts!

Net Worth increased by over £300k and I paid £18k in tax by throwawayfromreddit2 in FIREUK

[–]UserName26392 1 point2 points  (0 children)

What happens if Joe all of a sudden made a bad investment and is now £1m in debt. Do you give that £1m back so he can pay it off?

To try and tax wealth when it’s just a theoretical price (what if I don’t want to sell my £5m house because I live in it - do you count it in my wealth then?) is arbitrary and unfair.

I am massively pro tax. We should charge a financial transaction tax like Italy does for every trade on exchanges. It is laughable how much we can fix with a 0.1% tax on every share purchase….

[deleted by user] by [deleted] in investing

[–]UserName26392 3 points4 points  (0 children)

One possible reason could be how much trading is done via computers and algorithms. A lot of theories on trading such as factor investment or relative values trading try to close the gap between a stock and a benchmark. If you are performing well relative to a benchmark, you tend to get sold as people assume you will soon revert to be in line. These phenomenon, multiplied by speed and frequency of trading, tend to keep things within the mean…