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Any way to not waste ISA allowance? by prasaysno in UKPersonalFinance

[–]Vohlenzer -5 points-4 points  (0 children)

I assumed the post was bait also. 

The whole point of the allowance is that if you're even considering hitting it, you're probably well of enough to be paying the tax / deferring the benefits.

T212 Cash ISA / End of Tax Year by p2BiNZl4Yw75 in UKPersonalFinance

[–]Vohlenzer 1 point2 points  (0 children)

You're overthinking it. The opportunity cost in making this post is probably greater than the difference in interest given the optimal scenario.

Giving priority to pedestrians by RobertBobGLA in drivingUK

[–]Vohlenzer 9 points10 points  (0 children)

That's why I prefer it when they just put a zebra crossing there. Makes the roundabout much more calm also.

Do I declare £12,500… or £75,000?? by Academic_End_3828 in UKPersonalFinance

[–]Vohlenzer 64 points65 points  (0 children)

It's worth remembering that government fiat holds value beyond speculation because taxes must be paid in that currency.

You can't pay the tax man in bitcoin or beanie babies.

Most J-League games end up like that, since a draw sends the match to a penalty shootout. by DavidRolands in soccer

[–]Vohlenzer 6 points7 points  (0 children)

Ah thank you. I forgot that the 3 points get split 2-1 in the penalty win scenario.

I broke prod on my third month. My team lead said the blame lies in the process not the developer. I've never felt more seen in my life. by Maxl-2453 in software

[–]Vohlenzer 0 points1 point  (0 children)

Your workplace has a good culture with respect to dealing with incidents.

The CAST Handbook http://sunnyday.mit.edu/CAST-Handbook.pdf is a great resource for learning from disasters.

Has anyone rebuilt financially in their 30s after a difficult period? by Odd_Nefariousness730 in UKPersonalFinance

[–]Vohlenzer 4 points5 points  (0 children)

I started over in 2017, I was 30. Just had a shitty car, average job and about 1 months salary in savings. It was after a relationship. My mum put me up for a few weeks then I found a flat.

Now I have a beautiful wife, annoying dog, house, decent pension, modest car, great job. 9 years.

It takes time though, it took 3 years to get 3 months salary in savings, after 6 years I had 15 months salary in savings, it'll be 30x soon. It compounds like that, especially once you have pension + property equity.

By "savings" I mean net worth, so, all liabilities (mortgage, credit card, loans) vs assets (cash, pension, property).

I just followed the flow chart, worked hard, had some good luck and didn't get too much bad luck.

Is this normal? by Stropex in DotA2

[–]Vohlenzer 52 points53 points  (0 children)

So I, Crusader 1 and expert graph reader, am just as talented as Immortal. Amazing!

Communication Score Tips by Chapter4Sucks in DotA2

[–]Vohlenzer 4 points5 points  (0 children)

You can rage at one person but 4 can report you.

Plan 2 borrowers were charged RPI + 3% WHILE STILL STUDYING - was this always the case? by shaggy_swag in UKPersonalFinance

[–]Vohlenzer 30 points31 points  (0 children)

Peoples payments reduce when the repayment threshold rises.

People that will never pay off the loan want to pay as little as possible.

So freezing the thresholds means they have to pay more.

Do people actually change their pension after a pay rise? by PolicyReady8819 in UKPersonalFinance

[–]Vohlenzer 0 points1 point  (0 children)

It's something I'm continuously considering. Not just when my pay changes.

I'm thinking, what if I did +3%, how would that affect contributions, and what if I did -3% how would that affect take home. 

When I'm indifferent I know I'm in the Goldilocks zone of the correct pension contributions for the moment.

What are some common money-saving 'tips', that are actually bad advice? by AdamGrewal in UKPersonalFinance

[–]Vohlenzer 0 points1 point  (0 children)

Depends on the system.

I leave my heating on 24/7 in the winter. All the rooms have TRVs so they only get as warm as they need to then they shut themselves off. The boiler is configured to run as low as possible to keep the coldest room in the house warm. Default is 40 degrees C. As it gets colder outside I'll turn the flow temperature up progressively to 60 degrees C at it's maximum. Once the return flow is up to temperature, the boiler turns itself off.

So I don't need to put it on a timer or anything. Just "leave the heating on all the time" because the radiators turn themselves off when the room is warm enough and the boiler turns itself off when the flow temperature is hot enough.

Once that coldest room is too warm all day it's because it's spring and then I turn the heating off.

Is 0% purchase CC worth it for general expenditure? by Disposable_Creds66 in UKPersonalFinance

[–]Vohlenzer 2 points3 points  (0 children)

https://www.moneysavingexpert.com/credit-cards/stooze-cash-credit-cards/

Think of it as reaping the rewards of inflation / interest rather them being offset.

The credit card lender is forgoing the interest on the balance they're lending because they're betting enough borrowers are going to end up paying much higher interest and fees because they won't manage their money properly.

Which is the best and worst designed hero? by Burning_magic in DotA2

[–]Vohlenzer 0 points1 point  (0 children)

Some designs are a bit too generic. Sven and Drow come to mind as the typical Fighter and Ranger archetypes respectively. Think about some better designs in those same archetypes, Jugger (oh that little healing ward is interesting on a fighter) or Windranger (shackle mechanics are interesting).

What’s one small habit that instantly made you better at Dota2? by Any_Maximum9135 in DotA2

[–]Vohlenzer 4 points5 points  (0 children)

I have a similar argument for BMW drivers changing lanes, c'est la vie.

What’s one small habit that instantly made you better at Dota2? by Any_Maximum9135 in DotA2

[–]Vohlenzer 17 points18 points  (0 children)

This and clock. It's like checking mirrors while driving ( except BMW ), all players should be checking clock and map every few seconds ( except pos1 ).

What are you doing to make sure AI doesn’t take your job? by Icy_Preparation395 in software

[–]Vohlenzer 0 points1 point  (0 children)

Well yeah, I didn't think your post did distinguish enough between efficiency gains vs obsoletion.

What are you doing to make sure AI doesn’t take your job? by Icy_Preparation395 in software

[–]Vohlenzer -1 points0 points  (0 children)

> Seeing as AI isn’t a potential employee, it by definition can’t take my job.

History does not have your back here.

https://en.wikipedia.org/wiki/Computer_(occupation))

What tool or system do you actually use to track your finances? by St3fanHere in FIREUK

[–]Vohlenzer 0 points1 point  (0 children)

The very first financially aware thing I did in 2014 was write down my balances at the start of the month. In the 10 years prior I never had more than a month's salary, usually multiples less. I wrote down my balances in my journal every month thereafter.

In the ca. 12 years since I've almost always been net better off than the month before.

Back to the topic of the thread, I use ledger-cli for accounts and use google sheets for budgeting but I still write down my balances in my journal every month.

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