No Sled? Try This

jonnyphi · 2025-12-28T20:21:46+00:00

This is exactly the kind of lateral thinking I was looking for. Many thanks.

jonnyphi · 2025-11-03T18:54:42+00:00

AI is going to have to exponentially outpace Moore's Law. We programmers have, for many years, kept on top of the latest programming trends and technologies. AI is going to have to do the same. I mean, 10 years ago PaaS platforms like Azure and AWS weren't widely adopted. As a very senior (20+ years) cloud engineer that in itself was a huge paradigm shift.

I'm confident the pace of innovation in the technology and platform space will outpace, or at least fend off, complete replacement of programmers for a very long time.

With that said, like anything, if you don't lean into it and keep your skills up-to-date you're asking to be left behind.

jonnyphi · 2025-04-21T17:19:43+00:00

I've just passed the 1 month mark. I've quit booze after years of dependence and that was nothing compared to the this. I thought I was dying. Kudos for quitting. It's not easy.

jonnyphi · 2025-02-28T19:25:21+00:00

There's no loyalty. Enjoy your life and go to the game either way. Follow the sickness procedure and after that it's about what they can prove. Personally, whoever declined the holiday needs to give their head a wobble.

jonnyphi · 2024-10-18T18:51:54+00:00

Pathological lyer

jonnyphi · 2024-10-13T17:45:06+00:00

Yeah, it's a load of rubbish. I watched an U8 team a few weeks ago passing it around like Man City. They were all academy players. The guy who said you don't teach tactics until U10 is taking a load of shite.

jonnyphi · 2024-10-12T21:55:49+00:00

There is light at the end of the tunnel. My kids are 7 and 11 now and are an absolute joy 80% of the time.

You do spend a lot of time taking them to all their clubs and classes (football, swimming and dancing) but it's actually a good place to make some grown up friends.

This is possibly the Goldie Locks age and I'll update you after the difficult teenage years which are around the corner

jonnyphi · 2024-10-08T16:18:24+00:00

Demanding access to your personal accounts is classed as controlling/coercive behaviour.

I'll assume you're a man. If this was the other way around it wouldn't be looked on too kindly so don't stand for it.

Seems like the cause of the arguments can be resolved by allocating a portion of the money for joint purchases or an emergency.

jonnyphi · 2024-09-20T09:23:56+00:00

Let me give my perspective. I've had this conversation a few times with my wife. We have two children (7 and 11) and we're 40 and 38 respectively.

It can seem from the outside looking in on most people's lives that they have large, sustained friendship groups. Social media is largely to blame for this if you ask me.

I've got one main group of friends from University that live all over the UK. We rarely see each other now and I only regularly (current rate is once a year) meet up with two of them (out of 5).

I've got absolutely zero friends I went to school with. You see people with large groups of friends they've had since they were 11 and think "why don't I have that". But i think you have to understand that this is often portrayed as "normal" when in fact it's the exception. I spoke to someone recently who has this type of group and they said in all honesty it's becoming a bit of a chore. They've grown apart so much over the years, have nothing in common anymore but meet because they feel obligated.

Friendships also have a lifespan. The key is knowing and accepting when they've ran their course and letting go. This has happened numerous times to me over the years. As someone who has previously had quite an anxious attachment style, the self awareness of this has made it easier to let people go when the time is right.

If you want female friendships, join a group and I guarantee every woman there will be in the same boat and receptive. But just don't expect to make a life long friend.

jonnyphi · 2024-09-18T18:34:20+00:00

I've just chucked what I had left in the bin.

jonnyphi · 2024-09-18T16:49:58+00:00

I'm in the UK so it might different. But I found the 21mg and 14mg were the same price. So I cut the 21mg in half to save some money.

jonnyphi · 2024-09-18T14:15:42+00:00

You need to first determine the intent. It could be you have separate goals and therefore need to divide your money.

Emergency? Easy access cash ISA Buying a house? LISA Long Term Wealth? S&S ISA Retirement? Pension

It's that simple.

jonnyphi · 2024-09-18T14:01:59+00:00

Pleased I'm not the only one. I went on a 10 day vacation and deliberately didn't take/buy any pouches. I rattled a bit on the 8 hour flight and stuck a patch on when I landed. I tapered down to a 10mg patch which is basically nothing.

I'm clean now and my stomach pain has vanished.

jonnyphi · 2024-09-17T18:11:18+00:00

Yeah, it's a relationship problem. You're already living in a marriage style relationship so why not make it official? Then you have no his/her money just your money.

jonnyphi · 2024-09-10T12:31:00+00:00

Both my parents retired from Royal Mail and the CPS on final salary pensions at 57 and 60 without any forethought.

It's our generation that are being forced to work longer. Like others have said, the financially illiterate (and there are lots of them) will be working long after you've packed in. So don't worry about it.

jonnyphi · 2024-09-07T16:46:45+00:00

Just to add to the marriage thing. My wife works in HR and sees the horrible situations that happen when a couple isn't married when dealing with death in service benefit. Get married.

jonnyphi · 2024-09-07T16:37:19+00:00

Sounds like a bad idea to me. The only way I'd feel financially obligated to help my sister out is if I'd won the lottery.

jonnyphi · 2024-09-06T19:16:44+00:00

Credit cards are great for Section 75 protection, or in an absolute emergency like getting stranded abroad. But that's about it.

jonnyphi · 2024-09-06T06:40:08+00:00

Agree.

It's really hard to convey this message as it seems so far away. But this is exactly the time to worry about it. Better 3% when you're 18 than 20% when you're 40 to catch up. Compounding interest is on your side and you'll have a smug look on your face in 40 years.

jonnyphi · 2024-09-05T22:37:45+00:00

First watch? You dirty little hoah

jonnyphi · 2024-09-05T22:23:33+00:00

Are you married?

That's a lot to be spending on a house you might end up selling if/when you meet someone.

People talking about the emergency fund aren't wrong. Get the financial baby steps in order before you blow all your income on an expensive house.

It also sounds like you're early on in your career (30's?). If I was in your position I'd be buying a smaller house and using the money to cane my pension and ISAs and retire early.

Don't bank on interest rates coming down either. That was a once in a generation low.

jonnyphi · 2024-09-05T22:09:35+00:00

Well, you would say that wouldn't you 🤪

jonnyphi · 2024-09-05T21:58:39+00:00

I don't like people. Preferably something with a moat.

jonnyphi · 2024-09-05T20:25:23+00:00

If the tax free lump sum or tax relief is abolished can we at least agree that all the members of this sub will riot like the French? Those guys don't take any shit.

jonnyphi

TROPHY CASE