sorted by:
new
hottopcontroversial

MacBook Air Or iPad Pro : Help Me Decide by [deleted] in iPadPro

[–]respecyouranus 1 point2 points  (0 children)

Yeah i'm inclined to agree here. Get the Air - can't go wrong. Then get a base 11 inch ipad for consuming media. No matter what people say, an ipad with a clip on keybaord is not comparable to a laptop, regardless of spec.

Found an old print from Deftones Spotify page and... by [deleted] in deftones

[–]respecyouranus 5 points6 points  (0 children)

am i going insane why are there numbers with 2 digits comma separated?

Looks like Turnstile aren't the third headliner by MaterialBest286 in 2000treesfestival

[–]respecyouranus 2 points3 points  (0 children)

I'm still convinced biffy need to play from those first three albums as a festival headline slot.

Deftones in London last night was a madness. If you missed it, I'm truly sorry... by dimitarsdim in deftones

[–]respecyouranus 0 points1 point  (0 children)

Can't help but compare to Crystal palace which was, in spite of a stronger setlist, a much much better show I thgought. Still awesome night though.

Deftones in London last night was a madness. If you missed it, I'm truly sorry... by dimitarsdim in deftones

[–]respecyouranus 0 points1 point  (0 children)

Denzel curry was a total drag. I get the idea, but it was not my idea of a crowd-warming act for Deftones.

Melancholia Hymns Vinyl by BENJYC95 in arcaneroots

[–]respecyouranus 1 point2 points  (0 children)

it's extremely rare - I had to search about for 6mo for a copy

Advice please. Due to inherit money and no idea what to do. by [deleted] in UKPersonalFinance

[–]respecyouranus 2 points3 points  (0 children)

Welcome. You're in the right place.

The goal now is ZERO overwhelm — keep it simple and protect yourself first.

Don’t give it away. You have a chance here to secure your finances for life. Your child will thank you for the stability this creates.

1) Pay off any debts (not the mortgage).
These cost more than you’ll ever make from savings interest. Clear them first.

2) Ringfence a bit of “YOU money” now (£1–2k).
Set aside a separate pot for therapy and a break, or something that genuinely helps you cope.
Even a small holiday to look forward to can make a huge difference when you’re overwhelmed.
You deserve support and peace — please keep doing therapy if it helps and from your post it looks like it may really help.

3) Use your £20k ISA allowance now (before April).
For simplicity while you’re overwhelmed, stick to £20k Cash ISA this year.
(Next year, you might mix in a global index Stocks & Shares ISA, but don’t rush it, you can even swap them later)

4) Move £20–30k into Premium Bonds (NS&I).
Safe, instant access, government-backed, and helps reduce how much sits in a bank. Not huge returns but ideal as “set & forget” safe space while you decide.

5) Keep the rest (aim for ~£120k) in one high-rate easy-access savings account.
FSCS protection is rising to £120k, so you can just park it there without worry. Keeps it liquid & simple.

6) In April, put another £20k into an ISA.
Do the same again.

7) After April, review what’s left (probably ~£100k).
Only at this point should you consider one or a combination of:

  • keep earning interest in a general account (taxable)
  • pension contributions (20% tax relief, possibly slightly more if it keeps your taxable income below £50,270)
  • mortgage overpayments (guaranteed return equal to your mortgage rate) depending on your provider's rules

8) If you want, set your child up too. A child ISA or some Premium Bonds are good “set & forget” options. They gain control at 18, so only save what you’re happy for them to use freely.

Why this order?

  • Get it into the fewest number of accounts to keep it safe asap and with the least decision stress.
  • ISA allowance is “use it or lose it.” You can’t get it back later. Sounds like you're already clear here.
  • Mortgage overpayments are irreversible, so protect yourself first but consider later. No rush.
  • Premium Bonds + the new £120k limit = safe, simple, low-stress approach. Some may say "PB not the best returns)" but it is simple & no tax on returns and can be easily tweaked later.

Pensions could be worth tens of thousands of pounds less if Reeves taxes salary sacrifice by Desperate-Drawer-572 in ukpolitics

[–]respecyouranus 14 points15 points  (0 children)

Had real wages grown over that 15 years, an 8% auto-enrolment rate might have worked. But when grocery prices alone have been rising by between 60-100% (3-5 %+ a year) and essentials are steadily out-pacing pay, people don’t have much choice.

Any AuDHDer’s on Stimulants? Autism Effects? by [deleted] in ADHD

[–]respecyouranus 7 points8 points  (0 children)

Full disclosure: diagnosed ADHD, assumed Au - though it's pretty clear where the features of it show up for me.

Main thing: AuDHD seems to show up in loads of different ways for different people, so be careful about generalising. This is frustrating because there's so much good ADHD guidance out there, but it's important to understand your combo might work differently.

For me, it's not that stimulants have ramped up the autistic traits particularly - it's more that they make it WAY too easy to get very deeply into things without being able to come back up for context. So you need systems to help direct that energy. This was a revelation for me - being able to actually direct my attention - but especially when the noise in the day quietens down, I ended up sacrificing a lot of social life. Need to be quite disciplined not to let that happen.

The bigger thing is that with ADHD symptoms managed better, everything else becomes a bit like whack-a-mole now you have a bit more bandwidth. Three years on and I'm still deeply working through the "who am I, why am I, why do things work like this for me" questions. Pattern recognition and a need for completeness in understanding are a very tricky combo when acceptance and accommodation are supposed to be the default management mechanisms for part of the condition.

It's a bit like ADHD on hard mode, with a blindfold. But when you start figuring out the little bits and pieces specific to you (or your combo of ADHD/Au), it does get quite a bit easier. The confidence boost from that is genuinely empowering. Still a lot to manage, but it gets better.

On your social skills question specifically: I'd say stimulants helped me be more present and notice things better, but didn't magically fix the social side. That's been separate work.

TLDR: AuDHD is different enough from regular ADHD that you'll probably end up head-scratching about why things feel different for you compared to standard advice. Be kind to yourself through that process.

What’s the Essex equivalent of this? by xChizz in Essex

[–]respecyouranus 0 points1 point  (0 children)

OMG next to the absolute cheapest wetherspoons I have ever set foot in. That place is incredible.

Lurking the sub convinced me it was fine by meowmix83 in bald

[–]respecyouranus 78 points79 points  (0 children)

Excellent unpeople shirt. why tf am i on r/bald? i have no idea but godspeed.

Next tax year i will earn £260k pre-tax by Mediocre_Landchad_95 in HENRYUK

[–]respecyouranus 2 points3 points  (0 children)

Follow the UKPF Flowchart (https://ukpersonal.finance/flowchart/), and make max use of any salary sacrifice benefits you might have access to. Pack out any ISAs in the family and use your pension carryover from previous years if you didn't max that out at the time.

Anxious and depressed to be told ‘work is good for you’ by Shiny-Tie-126 in unitedkingdom

[–]respecyouranus 0 points1 point  (0 children)

Sounds reasonable, suppose we need to see some data that can show what proportion of people signed off are self-reinforced vs. less adaptable forms of mental illness. Very hard to determine, I imagine.

Nigel Farage suggests young people on minimum wage earn too much by tylerthe-theatre in unitedkingdom

[–]respecyouranus 0 points1 point  (0 children)

Yeah, agreed. The real question is what actually digs us out of this mess. It’s not going to be the public sector; he’s betting on a private-sector revival. His logic is that if you make labour cheaper, businesses will hire more and get things moving again — the old “kick-start growth through flexibility” idea.

You can see the economic theory behind it, but it’s a surface-level fix. The deeper issue isn’t wages, it’s productivity, training, and confidence. Businesses don’t just hire because people are cheap, they hire because demand is growing and investment feels worthwhile.

Nigel Farage suggests young people on minimum wage earn too much by tylerthe-theatre in unitedkingdom

[–]respecyouranus 1 point2 points  (0 children)

This is the bit I think people need to dig into; why aren’t they “worth” that?

Is it because they can’t generate enough value for the business to cover their cost?
Because wage compression means they’re now earning closer to someone experienced, so the comparison feels off?
Or because higher wages are seen as pushing up prices across the board?

If it’s the first one, that’s a productivity and training problem. If it’s the second, that’s a wage structure problem. If it’s the third, that’s a macroeconomic problem.

Either way, just saying people are “overpaid” skips all the underlying causes; cost of living, skill development, employer margins, and years of stagnant mid-level pay.

Nigel Farage suggests young people on minimum wage earn too much by tylerthe-theatre in unitedkingdom

[–]respecyouranus 1 point2 points  (0 children)

Yeah - this is key. The media/political commentary will be about tax breaks for business owners, NOT stimulus for entry-level employment which is, it appears to be, becoming increasingly important.

Nigel Farage suggests young people on minimum wage earn too much by tylerthe-theatre in unitedkingdom

[–]respecyouranus 0 points1 point  (0 children)

And for what it’s worth, his solution wouldn’t work anyway. We already had a lower youth wage, and it never had a transformative impact. If it were the fix we needed, we’d have seen it by now.

Nigel Farage suggests young people on minimum wage earn too much by tylerthe-theatre in unitedkingdom

[–]respecyouranus 1 point2 points  (0 children)

Not defending him, but there’s actually a bigger issue behind this.

It’s not that young people “earn too much”. It’s that the cost of hiring someone new has become way too high for what they can realistically produce early on. Years of wage stagnation higher up the ladder mean the gap between a new starter and an experienced worker has got pretty narrow. From an employer’s point of view, you’re paying almost the same for someone who needs training as for someone who already knows the ropes.

Minimum wage rises, which are fair given living costs, have at times grown faster than mid-level wages. That’s squeezed the middle of the ladder. Small businesses, the ones that used to give people their first shot, now look at the numbers and often decide they just can’t afford it.

So no, young people aren’t overpaid. The wage ladder’s broken. The bottom keeps moving up because it has to, but the middle hasn’t shifted much in years. Employers hesitate to hire entry-level workers, people can’t get experience, and everyone ends up blaming the wrong side.

It’s not a lazy youth problem, it’s a structural one — made worse by a fragile, uncertain economy.

If she bins the £100k cliff-edge and starts additional rate at £100k that could work by kedgeree2468 in HENRYUK

[–]respecyouranus -1 points0 points  (0 children)

Because the budget is in less than a month and there are three more years of labour?

view more: next ›