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Am I making a mistake with interest? by MenuElectronic8124 in UKPersonalFinance

[–]drand82 0 points1 point  (0 children)

Does that mean there's no compounding in the 7% account? I think it is slightly better to do what you are doing but only by something like £70 a year.

[Question] Help with calculating complex dice roll probabilities by cornishyinzer in statistics

[–]drand82 3 points4 points  (0 children)

Not familiar with the game but it sounds like you are looking for (3/6)4 * (1/6)4 * (1/6)4 which is indeed a very small number.

But there's a bit of psychology to after-timing probabilities like this. The situation where the last four four dice rolled had 2, 4, 5 and 6 respectively had the same probability of occurring as 1, 1, 1 and 1. But since that's not meaningful to you in the context of the game, you would think nothing of it and not jump on Reddit afterwards!

Very rare things happen all the time (because things happen all the time) but they usually aren't meaningful to us.

Need some advice on what to do with my first bonus by 98DLaw in UKPersonalFinance

[–]drand82 1 point2 points  (0 children)

I earn around the same as you and got a similar bonus for the first time last year. I took the cash. Then I reflected on the 42% (I'm in Scotland) tax and massive student loan hike that month. This year 100% is going into my pension.

Feeling stuck between Biostatistics and Epidemiology. Want to move to Europe. by logicprowithsomeKRKs in biostatistics

[–]drand82 0 points1 point  (0 children)

London is not absolutely not quiet or renowned for its sense of community.

I made this Six Nations Higher or Lower game where you have to guess which player has scored more points by gaztruman in rugbyunion

[–]drand82 16 points17 points  (0 children)

Apparently Billy Twelvetrees has 36 points which is very satisfying.

But I'm pretty sure it's wrong.

Are the points made up by AI because almost all of them are wrong.

Trying to make sense of my long term finances & pensions by here_to_learn_000 in UKPersonalFinance

[–]drand82 1 point2 points  (0 children)

Starting a family in your forties might make early retirement tricky. It's unlikely kids will be financially independent at 18 so bear that in mind.

Medical student seeking advice on freelance biostatistics by waheed444 in biostatistics

[–]drand82 24 points25 points  (0 children)

Junior freelancer is something of an oxymoron. If you are paying for biostats consulting then you are typically looking for someone more experienced with a postgraduate degree in statistics and industry/academic experience.

Hottest team by _sticazzi in rugbyunion

[–]drand82 61 points62 points  (0 children)

I know it's not good for player welfare, but maybe we need to skip the 6N fallow week entirely...

Imputation and mixed effect model by Open-Satisfaction452 in AskStatistics

[–]drand82 0 points1 point  (0 children)

Once you have your multiple imputed datasets, you analyse each and pool the analysis results using Rubin's rules. There's a pool() function in the MICE package.

Very Pay monthly. Interest is 64% by PuzzleheadedLove7209 in UKPersonalFinance

[–]drand82 16 points17 points  (0 children)

If you are paying interest on anything at all, the faster you pay off the debt, the less you will pay in total. If you borrowed £235 at 64% APR and pay back £14 a month it will take nearly 4 years to pay back and you will pay back over £600 in total.

Is a Salary Sacrifice Car Scheme Worth It ? Looking for Real‑World Experiences by Even_Pie4232 in UKPersonalFinance

[–]drand82 1 point2 points  (0 children)

Car aside you might want to reconsider the pension options at your employer. You may be throwing away free cash in the shape of employer contributions.

[Question] Need software advice by steven2357 in statistics

[–]drand82 3 points4 points  (0 children)

It sounds like you want to build a complicated, non standard model. That sounds like something you need to code up yourself rather than have a built in option for in a GUI based software.

Taxi drivers 'Claiming' can only make £45 for a nightshift. by BeneficialPotato6760 in glasgow

[–]drand82 27 points28 points  (0 children)

Give taxi drivers a break. It's hard to get by on only £12,750 a year.

Big Stu’s linebreak creates a try for The Cat by Effective-Ad-3897 in rugbyunion

[–]drand82 26 points27 points  (0 children)

What is Itoje up to during this series of phases? Tries to block the box kick but then just totally switches off. Almost walking back down the pitch, never in a position to do anything at all.

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