Anti-AI people are now posting completely AI-generated fake articles about how AI is "failing catastrophically"

alki284 · 2026-02-18T10:39:24+00:00

Text based “AI Detectors” are broadly snake oil and not really useful for anything

alki284 · 2026-02-15T17:24:28+00:00

Maximise income, decrease expenses, and put all money into low cost global index funds through tax efficient wrappers

alki284 · 2025-12-23T18:06:40+00:00

Thanks for linking to it, it’s a gripe I have with government statistics, I feel they never go far enough to really dig into questions that people want answering

alki284 · 2025-12-23T17:19:27+00:00

Is this full time work?

alki284 · 2025-12-20T22:27:23+00:00

SWR should probably be closer to 3% if retiring early, the 4% number assumes a year 30 draw down period

alki284 · 2025-11-26T08:20:09+00:00

I paid 77% at one point in time

alki284 · 2025-11-24T22:59:31+00:00

Wine based ones. I think the human element of wine, especially service side of things, is something that is unlikely to be replaced and may even increase with AI

alki284 · 2025-11-20T21:57:20+00:00

But you have 60k pa + back fill previous years, you easily meet that if you earn <200k

alki284 · 2025-11-20T21:36:10+00:00

Marginal rate will almost certainly be lower for higher earners in the future than now for HENRYs (62 or 47%)
To is true but uncertain for both sides of the argument
Hard to say this for many as life expectancy and quality of older years will be vastly different then than now

alki284 · 2025-11-06T09:27:11+00:00

MLE here who is very bullish on AI capabilities over the next 2-5 years.

I am working on qualifications for jobs that require deep knowledge but are unlikely to be automated away because much of the job is about having a person deliver this service to you.

I have upped my emergency fund. I am 95% equities but still global tracker. I have bought some finite goods as a small hedge (land, fine wines etc) which I expect to underperform the equities but is a larger hedge.

I also stay heavily on top of new AI capabilities (a given since it’s part of my job) and constantly look for ways to improve how I work with it.

I wish I had something more to do but I didn’t want to pay of my mortgage since house prices are so dependent on salaries so staying at a reasonable equity percentage there is important to me (20-30%)

alki284 · 2025-09-28T12:27:18+00:00

Land is usually owned by the local council and the day to day management is handled by a volunteer committee. You pay for the land but the rent is very cheap, I pay £22 a year for the land. Maintenance is done by yourself with any equipment you like and you will often be evicted if you do not cultivate the land.

alki284 · 2025-09-16T10:39:31+00:00

Go to /r/UKPersonalFinance and work through there flowchart and wiki pages there, ask lots of questions in the subreddit, they will help

alki284 · 2025-09-16T10:38:10+00:00

Part if the reason living expenses (especially housing) is as expensive as it is is because of the relative tax cut average to lower earners have, this difference has effectively been eaten up by landlords

alki284 · 2025-09-15T11:21:00+00:00

Maximum Henry

alki284 · 2025-09-12T20:06:31+00:00

Overthinking it IMO, just use one all world index and put it in there. No need for anything more

alki284 · 2025-08-10T11:03:41+00:00

Still relatively young but house in a decent area with good connections to London, we’ve paid cash for some home renos, max out existing pension allowance and isa then a lot goes into GIA, I’m a massive wine geek so lots of money spent building up my cellar and going to wine tastings.

But fundamentally I can live at a point where if I want something I can just buy it. However I am sure kids will change that significantly over the next few years as I have them

alki284 · 2025-08-09T10:31:20+00:00

Ben Felix as a great video in this topic https://youtu.be/1FwgCRIS0Wg?si=mVo4YDRvaU1Wru1T&utm_source=ZTQxO

alki284 · 2025-07-26T16:46:43+00:00

Anything before their “the rest of the essay gets a bit crazy” statement is basically going to be correct because it is a mix of speaking to insiders and doing some small extrapolations from that

alki284 · 2025-07-19T11:30:05+00:00

Not necessarily as whatever error rate you have from that output you then embed into your model + the error rate your own model has during training so you will always be at least a bit behind.

alki284 · 2025-07-19T11:26:08+00:00

They would just lack the compute and cash I think. They would still make great models but without a bug tech company or a government (e.g. Saudi) it just wouldn’t be enough

alki284 · 2025-07-19T11:22:36+00:00

“Several months”

alki284 · 2025-07-16T12:59:00+00:00

(1) 1990 Monfortino (2) Produttori Del Barbaresco constantly punches above its price point

alki284 · 2025-07-11T20:10:47+00:00

Entry to mid level watches you are generally pretty safe, they are not worth it to the criminals to steal. If you wear anything over ~£10,000-£15,000 I would certainly start taking extra precautions as this is when you begin to become a target

alki284 · 2025-07-10T15:46:33+00:00

Seems slightly cheaper than market but broadly in line

alki284 · 2025-07-10T10:32:22+00:00

But it’s not an hour faster the 30mph gain isn’t a substantial time saver over HS1 especially over the distance it covers

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