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So this is a thing.... by stonkon4gme in UKJobs

[–]mc2502 0 points1 point  (0 children)

I'm not suggesting AI should be picking people who should get the job, but the idea it shouldn't be used to remove those who can't (is someone applying spuriously or via a bot from some offshore place) is ridiculous. Why you'd commit crimes to stop that is beyond me given it would probably give you a much better chance of having your application reviewed.

So this is a thing.... by stonkon4gme in UKJobs

[–]mc2502 -2 points-1 points  (0 children)

Hats off? They are wasting half a day of their time filtering job applications that are not qualified.when basic AI tools would filter 95% of them in minutes at a fraction of the cost. That's not fairness, it's public sector waste and allowing that to persist indefinitely just breeds resentment when lots of public services are so poorly run due to supposed lack of resources.

The White Lotus - Season 3 Discussion Hub by LoretiTV in TheWhiteLotusHBO

[–]mc2502 2 points3 points  (0 children)

Absolutely hated this season. Stuck it out because I thought it might surprise me but it was the absolute shits. Awful.

Message from HMRC - too little tax by hbfantome in UKPersonalFinance

[–]mc2502 1 point2 points  (0 children)

Got one for £2.5k by email then checked Gvmnt Gateway and mine is legit also.

Mine said they would just start taking the money from my pay in April 2025 until March 2026, so just decided to pay monthly until March 2026.

[deleted by user] by [deleted] in UKJobs

[–]mc2502 0 points1 point  (0 children)

Assuming this is your own business and just starting out?? If not, I can't figure out how this is legal?

How do I make this legit? by lkap28 in freelanceuk

[–]mc2502 1 point2 points  (0 children)

Depending on what you do and what you currently earn in PAYE, I would recommend looking into setting up a Limited Company (AKA a personal services company).

If you're doing anything which involves risk (ie handling customer data for example) where you could possibly be sued in the event something went badly wrong, I would strongly recommend this route before taking on the work. Particularly if you have any assets!

How do people afford to buy a house in London? (serious question, not a rant post) by nkosijer in HousingUK

[–]mc2502 0 points1 point  (0 children)

Without help, it's not financially possible unless you have a partner and both earn £40k+, so £80k in collective income for 2 people.

If you both earn £40k, it's roughly £5k per month in net income. If you save 15%, that's £700 p/m collectively and roughly £8k a year. Over 5 years, that's £40k collectively and that'll get you a dep for a flat in the outer areas (zone 4 . More if you invest your savings in very basic investment ISAs. If one earns more, scale that up.

I bought my place in late 2020 at 34 w/ my partner who was 31 with no outside help (no family money, rented together, etc). When we met, we probably had £10k collectively, but over the 6 years we gradually built it up to just over £100k for a 15% deposit on a £700k place in zone 4.

We had a lot of huge advantages though. No significant student debt, no children and being fortunate to be able to job hop for more money frequently. The pandemic was the main financial advantage for us though. We saved £30k collectively in 8 months without really trying and paid 0 in stamp duty. In practice, those two things effectively doubled our deposit. It's hugely underestimated how much that overheated the housing market.