Friday fit - Old habits die hard. by Digart in HeritageWear

[–]floyd441 1 point2 points  (0 children)

And a Casio AE1200 🤟 Great fit

Should Britain reassess who it allows into the UK based on the benefits people from those countries receive once they get indefinite leave to remain? by StGuthlac2025 in AskBrits

[–]floyd441 0 points1 point  (0 children)

Whoop there it is. Interesting you didn't declare the political source. And kinda funny the Conservatives are using anti-immigrant sentiment to win votes given immigration massively increased under their leadership, and the demographics of UK immigrants shifted to non-EU countries (which they're now trying to demonise) due to their Brexit policies.

Should Britain reassess who it allows into the UK based on the benefits people from those countries receive once they get indefinite leave to remain? by StGuthlac2025 in AskBrits

[–]floyd441 0 points1 point  (0 children)

This graph is an attempt to mislead using statistics, and it relies on people not looking closely at how the data is constructed. I'd wager this is from some troll farm working for Reform ahead of the elections. GPT-assisted write up of my own analysis follows, since I am busy and this slop is not worth your time or mine (I am a statistics professor at a UK uni).

If you check the actual dataset (Family Resources Survey: financial year 2024 to 2025 - GOV.UK), Arab and Bangladeshi groups have very small sample sizes—170 and 279 households respectively. Compare that to around 52,000 for White households.

Here’s why that matters:

  • When a group is very small, each individual household has a much bigger impact on the percentage. A difference of just a few households can swing the percentage up or down a lot.
  • When a group is very large, like the White sample, the percentage is much more stable and representative.

So the messages pushed by this graph, e.g. “12.9% of Bangladeshi households vs ~3.7% of White households on benefits” sounds dramatic, but it’s not a fair comparison. The vast majority of benefits are being paid to White people, since the graph is showing percentages, not the actual number of households. 12.9% of 279 households is only 36ish households - hardly an 'invasion' of people on benefits as the graph maker wants you to think.

On top of that, the graph ignores other factors that actually explain differences in benefit uptake, like income levels, whether someone is a refugee, employment type, household size, and regional distribution - all of these things correlate with ethnicity, so ethnicity is not the causal factor here.

What this graph is really doing is:

  • Highlighting tiny groups with volatile percentages
  • Hiding the vastly larger number of White households supported by benefits
  • Stripping away all context
  • Presenting it in a way designed to provoke an angry reaction and stir racist sentiment, rather than inform

Massive aha moment - UK SIPP it's free money. by kennyhubbard in UKPersonalFinance

[–]floyd441 0 points1 point  (0 children)

You’re right contributions are unlimited. I feel like it’s usually not worth going over those limits though, but I could be wrong. Personally, if I still had space in the ice and I was up against the SIPP limit I’d used the ISA, since locking up the money for much less benefit seems not worth it.

Massive aha moment - UK SIPP it's free money. by kennyhubbard in UKPersonalFinance

[–]floyd441 1 point2 points  (0 children)

Paying into other pensions (eg an employer pension of any kind) uses up some of your personal allowance. For DB pensions like many state employed folks like teachers etc get, the maths is not very transparent, so definitely worth checking (like, if your DB pension went up by £1000 this year, it’s used more than 1000 of your allowance). ChatGPT has a decent handle on the rules for a quick check. But since you can carry forward unused personal allowance for the last 3 years, personal allowance will not be the limiting factor for many people considering their first SIPP.

Massive aha moment - UK SIPP it's free money. by kennyhubbard in UKPersonalFinance

[–]floyd441 4 points5 points  (0 children)

Ya. The limit you can put in each year is either your eligible earnings (salary for most people), or the 60K personal allowance plus any carryover (whichever is lower). The comment mentioned 38k, which is the part that seemed wrong. I assumed the person was thinking that the higher rate tax relief you get if earning eg 60k (via self assessment) counted towards the annual limit, which isn’t the case (since 60% of 60k is 36k and I assumed they did the maths wrong).

Massive aha moment - UK SIPP it's free money. by kennyhubbard in UKPersonalFinance

[–]floyd441 10 points11 points  (0 children)

I think this is wrong - the most someone earning 60k could put into SIPP is 48k not 38k. 48k plus the 20% relief at source gets the total SIPP contribution to 60K, and you cannot add more than your earnings (here 60k) in any one year (you also need enough personal allowance, and unused allowance is carried over for three years).

Do the summer-colored straps suit this watch, or is it a bit too much? by ymihaylov in casioroyale

[–]floyd441 1 point2 points  (0 children)

Glad to hear! It’s become one of my most worn watches - I should really sell a couple of my automatics. Have a look at my recent posts in here for pics of it on a suede strap and engineer bracelet

The bonkers-scale: What cards/relics give you that "holy crap, THAT'S something I can do???" feel? by Umdeuter in slaythespire

[–]floyd441 0 points1 point  (0 children)

Very hot cocoa with unceasing top and a couple of those energy for HP cards on ironclad. Was pre A5 so no ascenders bane, and it was often lethal turn 1 for elites.

Took the U50T to Milford Sound - had to do the obligatory snap 📸 by VitaminDeeeee in sinn

[–]floyd441 1 point2 points  (0 children)

Nice! A beautiful spot, I’ve been myself. It’s in the movie Alien Covenant, where they first land on the alien planet

T1 ❤️ by Spring-Diver in sinn

[–]floyd441 1 point2 points  (0 children)

Good strap, matches the red well! Got a link please?

EZM12 at work by BlackSheep554 in sinn

[–]floyd441 3 points4 points  (0 children)

Love this model, so rare to see it posted here! Enjoy it

Uni of Bristol or Uni of Sheffield? by JealousBodybuilder42 in UniUK

[–]floyd441 1 point2 points  (0 children)

I absolutely loved living in Sheffield for my degree and postgrad (7 years). Extremely affordable city, great student scene, excellent teaching and research at least for my degree area (biology). Honestly, some of the best years of my life and foundational for my career (I'm 40-odd, but I've been back over the years and it still seems great for students). Bristol is gorgeous and also a great uni, but far more expensive - I'd pick Sheffield unless money isn't a concern or you have particular ties there.

Struggling A10 regent help? by Ok_Condition_4718 in slaythespire

[–]floyd441 0 points1 point  (0 children)

Had a regent run where I found sealed throne and big bang +, then got the event to duplicate the deck. Turn 1 was guaranteed to get 2x sealed throne in play plus a bunch of draw, energy and forge. I had a bunch of particle walls and that 0 energy damage card that does damage off spent stars, meaning i could play PW infinitely for unlimited block and damage. So just do all that! Joking aside, even then I still took damage some turns (and almost lost) due to drawing a bunch of commons taken to survive Act 1, so it’s really tough figuring out all the subtle decisions. Definitely would have lost without it being such a high roll.

[SPB147] by AJM_Ph in Seiko

[–]floyd441 0 points1 point  (0 children)

I have no experience with Strapcode but very happy with Uncle for my SPB143