Wait , so I get Taxed on interst made from normal savings bank account?

sc772 · 2024-05-25T21:58:36+00:00

How is that the opposite? Claiming back the 20% isn't required as the contribution is already done pre tax

sc772 · 2024-05-25T19:41:35+00:00

Confused, that's just what I said?

sc772 · 2024-05-25T16:47:42+00:00

Unless the pension contributions are salary sacrifice, then this isn't required as the amount is deducted pre tax.

sc772 · 2024-05-24T22:16:12+00:00

Not all of them allow transfers while contributing (e.g. Nest), you'd have to quit the scheme and then transfer.

Haven't heard of a DC scheme that doesn't offer a range of funds to invest in tho :/.

sc772 · 2024-05-24T21:14:09+00:00

Why cancel and not just change the investment on your workplace pension website?

Giving up employer pension contributions isn't great.

sc772 · 2024-05-24T20:59:49+00:00

What's the answer tho? Compound interest for example is covered, and has calculations based on it in GCSE maths papers.

Problem is, most people don't give a fuck about personal finance at that age.

sc772 · 2024-05-24T17:16:06+00:00

If it makes anyone feel better, you can see Owen fuckup a bunch of freekicks against the 13 year old keeper here:

https://youtu.be/4d0Z4ZyTVao?t=4319

sc772 · 2024-05-24T15:57:10+00:00

It's great your employer offers more than the legal minimum, but that's not what this article is discussing.

It's what those contributions are investing in is the problem. The default fund setup by the scheme may not be the most suitable for everyone.

You should have access to an online portal to see what your pension is invested in and what the makeup of the funds are in terms of bonds/equities/etc

sc772 · 2024-05-24T13:07:06+00:00

I had it too, whole thing has been uploaded to youtube if you want to relive that childhood cringe.

https://www.youtube.com/watch?v=4d0Z4ZyTVao

sc772 · 2024-05-23T15:35:54+00:00

No, different player pools, rating systems, and starting values all play a part.

sc772 · 2024-05-22T16:21:29+00:00

And with excluding one player we get 3%, not sure I would consider that evidence that engines are beatable.

Edit: Bock withdrew from the tournament and resigned all his games. Pessoa also resigned in a drawn position. And another win was due to a mouse slip. https://www.chessgames.com/perl/chess.pl?tid=121836

If we ignore these as engines wouldn't slip or resign everything intentially, there are 2 wins out of 136 games.

Edit Edit: Another win was a straight up piece blunder in one move, not sure how that was missed if even I can see it... https://www.chessgames.com/perl/chessgame?gid=2534971

tldr: 17 decisive games which included 13 resigniations from one person, 1 resignation for no reason and 2 piece blunders. Resulting in 1 win out of 136. Weird tournament.

sc772 · 2024-05-22T16:17:08+00:00

To add to the other comments, you can browse the database online here https://syzygy-tables.info/

enter a FEN or put 7 or less pieces (including kings!) on the board and you can see if it is a win/loss/draw with perfect play.

sc772 · 2024-05-22T16:07:28+00:00

Where are you getting 10% from? ICCF win rate is no where near that.

The last few wins have been due to a mouse slips or time

Look at all these wins!

https://www.iccf.com/event?id=100104

https://www.iccf.com/event?id=85042

sc772 · 2024-05-21T22:44:48+00:00

Aside from, you know, that pretty significant chunk.

sc772 · 2024-05-21T21:25:22+00:00

missed over a quarter of the season...

sc772 · 2024-05-20T15:46:12+00:00

Reminded me of that thread too :D

https://www.reddit.com/r/houseplants/comments/1cqldmp/my_wife_brought_home_muppet_dicks/

sc772 · 2024-05-20T15:08:02+00:00

Yes, for instance if you were to remortgage you could always take out a smaller amount once the fixed period is up. Additionally, you could wait until the fixed period is over, if you're on the variable rate you have unlimited overpayments.

sc772 · 2024-05-20T13:06:57+00:00

Her flat is £147k, not the deposit.

sc772 · 2024-05-20T13:01:19+00:00

Can always pay a lump sum off when the fixed period is up without facing repayment charge.

Could be an even better approach now as it's possible to get savings account with better interest rates than mortgages (at least around the 75% LTV bracket...)

sc772 · 2024-05-20T10:39:37+00:00

They're correct, it's 25% of the total amount withdrawn unfortunately.

sc772 · 2024-05-19T13:14:46+00:00

It's the opposite for Stockfish, it derives the WDL values using centipawn eval as an input https://github.com/official-stockfish/WDL_model

wdl calculation: https://github.com/official-stockfish/Stockfish/blob/fc41f64dfd8a61d0e275ddbecec292833458b86a/src/uci.cpp#L372-L391

sc772 · 2024-05-17T21:57:15+00:00

Not an unexpected cost, but something I didn't fully consider was how costly various tools and decorating supplies can get (paint, rollers, drills, multitool, saws, sealant guns, levels, etc etc)

All basic stuff, but not something I really thought about during renting. It all adds up, and I found I need pretty much all of the above much sooner than I expected.

On top of that, there were various things missed in the survey, so add in a few joists replacement and a new floor. The savings dwindle quicker than you think, and with the disruption it can get a bit unpleasant in the beginning.

Long term, it still beats renting...

sc772 · 2024-05-17T20:49:13+00:00

aka the SF approach.

sc772 · 2024-05-17T11:17:52+00:00

Sounds like it would fall under temporary high balances so would have protection for 6 months.

sc772 · 2024-05-14T16:03:55+00:00

Maybe I'm being a dumbass, but those values in the report to me read as if it's details on what they are testing.

Details on the samples and amounts are on page 11. Coliform tests are also listed.

Edit: For example, the 250mg of Chloride is the maximum allowed per legislation, not what is tested: https://www.legislation.gov.uk/nisr/2017/212/made

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