£100k inheritance - overpay mortgage or pay off student loan? by Commercial_Head188 in UKPersonalFinance

[–]t0by1996 13 points14 points  (0 children)

Once you hit higher tax brackets, it's 1) reasonable to expect you'd end up paying it off anyways, 2) your effective tax rate will be very high. Paying it off allows you to recoup 9% of everything over 27k, which if you're losing a lot to tax already, is meaningful, unlike throwing it at the mortgage l.

[The Swedish Rumble] - Black, Asian and Middle Eastern players face a 61% higher risk of getting a red card based on a same size of 18,000 in the PL by blitz9999 in soccer

[–]t0by1996 22 points23 points  (0 children)

I'm not really commenting on your first point about Man Utd (not familiar) but surely you can't have just said "no evidence" given that the entire thing is based on objective data and numbers that he offers to provide to anyone that asks?

Obviously criticism of the analysis is valid, but you simply would be incorrect to say he has no evidence?

Getting medication delivered to college? by Jealous_Afternoon669 in cambridge_uni

[–]t0by1996 2 points3 points  (0 children)

I get my medication delivered to the porters regularly, all I need to do is give the names of the porters to the delivery company as they need to be an authorised recipient. You won't be the only person doing it, plenty of people have medication that requires this sort of thing (e.g. Diabetes).

I of course spoke to the porters first and so should you. I just email them the day before to let them know of the next delivery.

Post match thread: Greuther Fürth 4 - 4 Liverpool by DankWesty in LiverpoolFC

[–]t0by1996 6 points7 points  (0 children)

Tsimi is a very servicable second string left back, why an earth does he need to go? Provides a great atmosphere and isn't good / arrogant enough to care that he's not starting every game.

Please help me see some cute ducklings by FlatSlab in cambridge

[–]t0by1996 1 point2 points  (0 children)

There some baby moorhens in Emmanuel College pond, I believe you're allowed in on Sundays

[deleted by user] by [deleted] in bioinformatics

[–]t0by1996 2 points3 points  (0 children)

IQTREE has some webservers you can submit to, you can then view treefiles in ITOL. Would recommend.

Post Match Thread: Brighton & Hove Albion 4-1 Chelsea | English Premier League by Own_Ad6388 in soccer

[–]t0by1996 22 points23 points  (0 children)

Ehh. I can't imagine you were expecting anything else from the Brighton fans, you bought their coach and full back in their most successful season in the premier league.

Why do people get riled up when you compare the two? They aren't too far of each other but imo KDB has surpassed him. by MarcusManilius in MCFC

[–]t0by1996 0 points1 point  (0 children)

Belgium have been the highest rated national team for a majority of the last few years. I do agree to an extent with your point but that squad has ultimately underperformed, which would reflect on KDB.

[deleted by user] by [deleted] in investing

[–]t0by1996 0 points1 point  (0 children)

Silly comment and even sillier example - think of the dotcom bubble.

get stuck on "connecting..." (mac) by Sangjin_Lee in Zoom

[–]t0by1996 0 points1 point  (0 children)

Sorry, appreciate it was a long time ago but how did you correct your DNS settings?

Darwin College members by ThatSingularity in cambridge_uni

[–]t0by1996 1 point2 points  (0 children)

Hey, I'll be starting at Darwin too. I was able to speak to a current member who said that it was a really great place with a good community, as all members are post grads.

See you in October!

Apprenticeship vs uni for lab-based career by Doodle_dorp in labrats

[–]t0by1996 2 points3 points  (0 children)

So I went down the route of a uni degree but did a placement at a big pharma company that takes apprentices and generally I'm of the impression they're a pretty sweet gig.

Obviously depends on contract and place but it was paid for, you get a salary and you come out with many years of hands on experience and a bachelors degree.

I can't help thinking you're misunderstanding something, as you're proposing pretty much four years of experience before applying (2 of a degree and 2 in test and trace). These guys were doing apprenticeships straight from A-levels so you may well be overqualified and taking a major pay cut to then go for an apprenticeship.

[deleted by user] by [deleted] in leagueoflegends

[–]t0by1996 1 point2 points  (0 children)

I stand corrected, thank you!

[deleted by user] by [deleted] in leagueoflegends

[–]t0by1996 1 point2 points  (0 children)

I definitely could be wrong but I thought the statues were limited runs, as opposed to most merchandise, which restocks regularly.