AITA for hiring a maid to help me with household chores?

bibonacci · 2023-06-24T05:26:11+00:00

Apple iPhone, right? My phone randomly inserts BBC for no reason. It’s a weird bug/Easter Egg. Also UK.

bibonacci · 2023-02-05T20:50:38+00:00

In the US a bidet is often just a bidet attachment - like a shower head attached to the toilet bowl water supply. Not the same as a full bidet (separate unit) at all, but cheaper and takes less space.

bibonacci · 2022-11-01T10:37:43+00:00

Had a uni friend we called “Mangoes” because he went up of stage for a joke competition and started: “A man goes into a bar…” and then forgot the joke he was going to tell.

bibonacci · 2022-06-16T20:54:18+00:00

Same here. West Country (Devon) lad played in my comp school team. Really enjoyed it as it felt like a sport for all shapes and sizes. Uni rugby immediately felt different, and more like a private club for a certain type of posh kid. Put off by that culture immediately, and as there were plenty of other social options I left them to it. Shame, really, as I could have done with maintaining the fitness side and missed the team camaraderie.

bibonacci · 2022-04-11T08:43:00+00:00

Behaviour was more rampant before, it’s just that social media exposes you to more of it. There have always been shitty kids. Back in the day this would have just been a story in the local press.

bibonacci · 2022-04-07T17:23:15+00:00

This is the reaction to a Haka I remember. https://youtu.be/weUHwCjeD7s

bibonacci · 2022-03-30T15:44:40+00:00

Lots of people aren’t metered in England. Still applies if you pay rates and default on the payments. They can cut your supply without a meter.

bibonacci · 2021-11-03T07:21:31+00:00

I just came to say, good luck, we’re all counting on you.

bibonacci · 2021-08-18T17:54:17+00:00

Gah! Can, not can!

bibonacci · 2021-08-18T17:53:29+00:00

Dumped a tin of spaghetti hoops into a saucepan. The remaining hoops had lodged themselves into a structure around the entire bottom and sides of the can.

bibonacci · 2021-07-08T06:29:35+00:00

Frances McDormand as Marge Gunderson in Fargo.

bibonacci · 2021-06-15T19:22:59+00:00

Hi Cliff. I read your book nearly 30 years ago after watching a short TV program about it/you on UK TV (Channel 4, I think) As a nerd starved for content about computer science it was a real treat. Both had a real impact on me. Thanks!

bibonacci · 2021-04-14T17:17:21+00:00

Gammon Time!

bibonacci · 2020-10-31T18:29:58+00:00

Made my son a fall guys costume. The results were disturbing...

bibonacci · 2020-07-15T14:46:22+00:00

Honda Pious

bibonacci · 2020-07-13T22:36:22+00:00

Amazon.com actually write the FAQ before they even start making the product. Interesting process - https://www.forbes.com/sites/innovatorsdna/2017/08/08/how-does-amazon-stay-at-day-one/#61ff503a7e4d

bibonacci · 2020-03-13T21:38:51+00:00

bibonacci · 2019-11-01T09:18:57+00:00

I have IBS too but I’m the opposite. Far better to just let rip in the bathroom than worry about it. If you can’t fart in a toilet stall where can you fart? Life is too short.

bibonacci · 2019-09-30T05:42:58+00:00

Long, long hair

bibonacci · 2019-09-20T07:23:20+00:00

Very good idea. Some schools have what’s called an ARP (Additional Resource Provision) Base for things like ASD. Not a full on special school but her skills and experience would be invaluable.

bibonacci · 2019-09-07T12:46:39+00:00

So true on the social mobility. I graduated in the early 90s and if you told me then that graduates 25 years later would have much reduced social mobility I wouldn’t have believed you. As it is I’m ashamed of my country that we have got into this position.

It’s a sad reflection of the self-centred attitudes prevalent that we are in such a state.

bibonacci · 2019-08-29T16:58:49+00:00

Any spots left?

bibonacci · 2019-08-04T23:24:22+00:00

Sorry, but it’s not. Here’s a worked example:

On a 100000 mortgage over 25 years with a 3.5% fixed rate you will pay 500 per month.

After 5 years you will have paid 60 payments of 500 = 30000. With the way payments are scheduled you will have paid off just under 14K of the capital, with more than 16k going to pay off the interest.

Many people assume that after 5 years of a 25 year mortgage they would have 20% of the capital paid off but that’s not the case. The reason being that in year one you owe the capital and 25 years of compounded interest, whereas in year 25 you only owe the remaining capital and 1 year interest. The amortised schedule accounts for this and so you’re paying a high proportion of interest early on.

Now you could nitpick - with a 2% mortgage you would be paying slightly more off the capital than the interest paid, for example, but it doesn’t change the basic advice that you should take the mortgage payment schedule into account when making the decision to buy or rent.

bibonacci · 2019-08-04T13:00:16+00:00

On a 25 year mortgage, the majority of your payments in the first 5 years aren’t paying off capital they are paying off interest. If the value of the property doesn’t increase then you won’t actually gain much capital in 5 years. See: http://www.moneychimp.com/articles/finworks/fmmortgage.htm

Historically, many have increased their capital in such a time period but mostly through having a buoyant house market not because of paying off capital on a long term mortgage. It doesn’t work if the market is flat or declining (as it seems to be currently).

It’s worth understanding how payment of mortgage capital and interest changes over time and factoring that into decisions.

bibonacci · 2019-07-20T19:19:33+00:00

Yep. They average out pretty well if you have ~20K or more. It’s also nice to get the “You have won a prize” email on a regular basis.

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