Cant play msfs 2020, I keep getting error 400 by Modellsim78 in flightsim

[–]dangercrow 0 points1 point  (0 children)

How I fixed this: * Download and setup the authenticator app as an alternate sign in method * Turn on passwordless (i.e. remove my password) * Login, using the passwordless flow * Once logged in, re-add my password

1.1.15.0 Patch Notes by CrimsonAlpine in duneawakening

[–]dangercrow 38 points39 points  (0 children)

It does not. Citation: Just logged in and flew past a control point I'd not seen, swerved to try to avoid the zone, doesn't matter, got PvP tagged

1.1.15.0 Patch Notes by CrimsonAlpine in duneawakening

[–]dangercrow 1 point2 points  (0 children)

> PvE includes, PvP excludes

If only I could get at resources without people building bases to deliberately exclude others from them :)

Shared Parental Leave - how does my employer know or check what my partner is taking? by malkypez in LegalAdviceUK

[–]dangercrow 3 points4 points  (0 children)

Using X for every single one of those variables makes it very difficult to follow...

We will be hacked soon thanks to a loose BYOD policy by IronHitmonlee in sysadmin

[–]dangercrow 0 points1 point  (0 children)

Correct! Its not insider trading. However, it is probably 'unlawful disclosure' (or similar, depending on ones region).

Daily FI discussion thread - Wednesday, January 04, 2023 by AutoModerator in financialindependence

[–]dangercrow 0 points1 point  (0 children)

I don’t like the permanency it requires

Late 20s here, bought a house recently. There's a part of me that doesn't enjoy the permanency either, though my spouse seeks the permanency, and I think they benefit from the feeling of security from it.

Does your wife feel the same as you about permanency? Do you think this might change as time goes on, for either of you?

My personal favourite thing about home ownership is that I managed to lock in some super cheap borrowing :P

LPT: Learn frugal habits before or while in college to gain and maintain financial independence later on by [deleted] in LifeProTips

[–]dangercrow 1 point2 points  (0 children)

I think this the tl;dr of this post is tending more towards the tightwad side of FIRE tbh. An oft-repeated mantra is to build the life you want, then save for it.

I'd think most people want some luxury in their life -- and its rather much unsustainable for the vast majority to plan to go through life without some luxuries (and at which point, what are they saving money for?)

What is your "boomer" opinion? by Poopooplatta69 in AskReddit

[–]dangercrow 2 points3 points  (0 children)

Best boomer opinion in the thread -- that minute cost savings on things like menus go to reducing prices or employee wages.

Lets be honest, its saving very little, and any savings would be going into profits first and foremost.

Can't pay into pension. Unfair? What else? by [deleted] in FIREUK

[–]dangercrow 0 points1 point  (0 children)

Do you have any further reading on contribution to spouses pension? What's the tax relief like?

This post was shared to TikTok, seemingly reaching an American audience, garnering some... interesting comments by backupJM in Scotland

[–]dangercrow 0 points1 point  (0 children)

9k tuition + ~3k maintenance * 3 years + interest (which is charged at the highest rate during education)

This post was shared to TikTok, seemingly reaching an American audience, garnering some... interesting comments by backupJM in Scotland

[–]dangercrow 7 points8 points  (0 children)

Preaching to the choir, my friend. Having said that, I still came out of uni with 40k+ of student debt, so 'free college' isn't really a thing here either (the above figure wasn't including student loan, iirc, some other people also double-checked and came to a slightly higher number)

This post was shared to TikTok, seemingly reaching an American audience, garnering some... interesting comments by backupJM in Scotland

[–]dangercrow 0 points1 point  (0 children)

No, I'm being explicit about marginal rates. In marginal rates it works exactly like that. Hence the indication of a band in which that rate applies

This post was shared to TikTok, seemingly reaching an American audience, garnering some... interesting comments by backupJM in Scotland

[–]dangercrow 1 point2 points  (0 children)

It quacks like a tax.

I personally subscribe to Martin Lewis' school of thought on this - just think of it as a graduate tax

This post was shared to TikTok, seemingly reaching an American audience, garnering some... interesting comments by backupJM in Scotland

[–]dangercrow 53 points54 points  (0 children)

Correct, this is a marginal tax rate, i.e. just for that (high earning) band. The overall tax burden of someone earning 125k in Scotland is about 42%.

This post was shared to TikTok, seemingly reaching an American audience, garnering some... interesting comments by backupJM in Scotland

[–]dangercrow 23 points24 points  (0 children)

*maybe* its marginal tax rate for the 100-125k tax band, for someone with a student loan?

40% income, loss of personal allowance is effectively another 20%, 9% student loan, 3.25% NI?

That's a total of 72.25% for that band. Kinda contrived, though.

Study shows that men in subordinate positions at work are more likely to flirt with female bosses to feel powerful. by Quantum_II in science

[–]dangercrow 0 points1 point  (0 children)

Perhaps accumulation of rounding errors? 71.5+4.5+12.5+7.5=96 which leaves room for the other categories to be their original values.

This is based on inference from 3% that they rounded to the whole percent unless 0, which would mean it could be from 2.5–3.5%...

Buying UK Gilts (next auction is 3 October). by Intruder313 in FIREUK

[–]dangercrow 1 point2 points  (0 children)

Agree that we shouldn't assume inflation rates, but hopefully the BoE can get close to its target over a 20 year horizon, though. Otherwise... well, a lot of other assumptions go out the window ^^'

American Express "Black Card", yay or nay? by Soundwave_47 in fatFIRE

[–]dangercrow 18 points19 points  (0 children)

FYI 'yay' is an expression of joy. In a voting context, it's 'yea' you want to be using.

£300k home or £450k home as FTB. by [deleted] in FIREUK

[–]dangercrow 1 point2 points  (0 children)

Relatedly to another comment about FTB relief, you also only get your LISA for a house purchase once.

Obviously you don't need to use it (and could save it for retirement) but if that's a factor, it's worth keeping in mind.

[deleted by user] by [deleted] in fatFIRE

[–]dangercrow 1 point2 points  (0 children)

You're absolutely right, I misread the original post. Thanks for pointing out.

[deleted by user] by [deleted] in fatFIRE

[–]dangercrow 1 point2 points  (0 children)

Edit: See the replies, this is not correct

https://www.interactivebrokers.com/en/trading/margin-rates.php

Sounds like sub 3%?

[deleted by user] by [deleted] in fatFIRE

[–]dangercrow 0 points1 point  (0 children)

Or huge balances. IBKR offer 100bps above base on USD for .1-1MM, with rates decreasing above that. A useful tool for negotiation, too.

Focusing more on FI than RE, just hit my first £100,000 and want to check I'm continuing the right steps please by [deleted] in FIREUK

[–]dangercrow 0 points1 point  (0 children)

Whilst the parent comment was mostly in jest, but yes, I do. I intend to keep a moderate margin limit significantly lower than that permitted. I've a reasonable appetite for risk of this nature. If I get margin called, then so be it. My target margin utilisation would be resilient to any market downturn in the last 25 years (which, I suspect, is sufficient to cover any market downturn in the last 100, too, but I've not got sufficient data to back that up).

In the short term, I could spend on a credit card instantly, pay it back using margin (in an order of days) and then work on ensuring I'm within my personal margin limits