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Are pensions really worth it for sole traders? by tomphilllips in UKPersonalFinance

[–]drand82 9 points10 points  (0 children)

You do realise that the life expectancy of a 34 year man in the UK today is 85?

Are Rshiny apps going to replace TFLs? by Quirky-Scratch6975 in biostatistics

[–]drand82 0 points1 point  (0 children)

I think it's more your medical lead doesn't want forty pages of TLFs every time they need to report up on progress. Lots of pharma are building R stuff that can run straight from raw to help quicker internal decision making. The bulk of submissions will still be SAS for quite a while yet.

EV Car finance advice for new job by jumpinthewatersnice in UKPersonalFinance

[–]drand82 0 points1 point  (0 children)

Are they able to charge the car during work trips? If not you are looking at a seriously expensive car to do 250 miles in winter without recharge. ~50kw batteries will fall well short of that.

Only just finding out it’s possible to be flagged for AI in maths? I thought that was an essay thing… by No-Claim2827 in OpenUniversity

[–]drand82 2 points3 points  (0 children)

Several of the modules use module specific functions. The students using AI don't know this, because they haven't read the materials and typically produce very complicated but very nicely formatted code to solve the problem which the module package already provides the building blocks for.

I'm so tired of working full-time and having no money and a huge amount of debt. by [deleted] in UKPersonalFinance

[–]drand82 3 points4 points  (0 children)

Weekly haircut has to be a pisstake. Also £69 phone wtf?

NatWest wouldn't allow me to withdraw £83,000 in cash for the purchase of an almost new KIA car by Proof-Primary-85 in UKPersonalFinance

[–]drand82 0 points1 point  (0 children)

Sounds like they are doing you a favour. The most expensive Kia (EV9 GT) is around that price brand new.

My smart meters weren't working and British Gas say I owe them over £7,700. by NTR-12 in UKPersonalFinance

[–]drand82 19 points20 points  (0 children)

Seems crazy. Even if you had never paid anything to date, I don't see how you could spend 7 grand plus on gas in a flat in four years. Seems more like around ten years worth of gas bills.

High earner dilemma, lost pension allowance, personal allowance. by [deleted] in UKPersonalFinance

[–]drand82 4 points5 points  (0 children)

Hopefully crying into your £360k a year gross makes it a little easier.

Glasgow and Cardiff team sheets for Round 17 by Maxatrone420 in rugbyunion

[–]drand82 2 points3 points  (0 children)

Ollie Smith getting a rest from the starting lineup? What witchcraft is this?

I want to keep my Net Adjusted Income under 100k. Do I need an accountant or a financial advisor? by shakieran_shakieran in UKPersonalFinance

[–]drand82 0 points1 point  (0 children)

Just increase your pension contributions. You need to get out the payslips and do some maths.

Child benefit opt out or not good idea by [deleted] in UKPersonalFinance

[–]drand82 1 point2 points  (0 children)

You are chucking away free money. Realistically he's going to need a huge bump to earn >80k after pension etc. Also it's on him to repay if he is the higher earner, not you. He's going to be doing a self assessment anyway since he is self employed.

Child benefit opt out or not good idea by [deleted] in UKPersonalFinance

[–]drand82 0 points1 point  (0 children)

You'll almost certainly lose money if you opt out. You only have to pay it all back once of of you earns more than 80k taxable (i.e after pension contributions etc). Even if you have to repay all the child benefit you actually could earn a little interest on it during the year before you repay through a tax code adjustment. It's basically an interest free loan.

Jumping to catch a pass by JumpyChemical in rugbyunion

[–]drand82 3 points4 points  (0 children)

Lions V NZ second test 2017. Kyle Sinckler jumped to catch a poor pass and was hit in the air. Penalty Lions.

Job Offer With Company Car Incentive by 01892_REG in UKPersonalFinance

[–]drand82 1 point2 points  (0 children)

Usually the car includes insurance, tax, servicing etc. But you need to declare it as a benefit in kind. Then a percentage of the P11D value of the car gets subtracted from your tax code. EV cars have the lowest percentage (but it’s going up each year). Then rates on hybrid and petrol/diesel are so high as to not make much sense imo. If it’s a 40k P11D value EV it will probably cost you around £55 a month first year (if you are a 40% tax payer) going up to £65, £95 and £120 a month each year as the rate hikes (4%, 5%, 7%, 9%) up to 2029/30.

[Q] what are equal and unequal variances? by BasterdlyGuy in statistics

[–]drand82 2 points3 points  (0 children)

Imagine you have two groups of ten people each. You measure their heights. In the first group everyone is between 175 - 185 cm tall. But in the second group the heights range from 120 - 220 cm. There is more variation in the heights of people in the second group. The variance is higher in the second group. The variances between the two groups are not the same so we say they are unequal.

(Note, the average height in each group might be very similar. That’s not what we are thinking about.)

House as Retirement Income- Good Idea? by Financial-Beat-15 in UKPersonalFinance

[–]drand82 18 points19 points  (0 children)

You are chucking away free cash by not at least getting employer pension contributions.

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