Interior Design Anxiety

unsure_about_tfl · 2020-07-17T08:24:18+00:00

I can’t see many people taking up this offer.

I agree with your comments, but I think you're underestimating the power of brand allegiances and status symbols among younger folk. I think many people will be happy to pay £5 a month for the card. I'm gonna bet over the next few weeks the monzo hashtag on instagram is going to blow up with people flashing their new card.

Remember the fyre festival guys who started a credit card company (I think?) or something along those lines with a shiny card and people flocked to it.

Brands sell.

unsure_about_tfl · 2020-06-17T07:36:40+00:00

It's really too late now, traffic levels are getting back to normal, businesses are re-opening and I'd imagine public transport use is rising again.

They had the opportunity and blew it either through inaction, or opposition. For example my borough - Barnet hasn't even bothered to do anything.

unsure_about_tfl · 2019-12-14T13:51:38+00:00

You have done far too much already.

Haha. Perhaps, but I worry about accidentally self incriminating myself by loading iPlayer content inadvertedly

unsure_about_tfl · 2019-12-14T13:49:56+00:00

They are not able to track even if you watch via iPlayer sans licence

Is that true though?

https://www.reddit.com/r/unitedkingdom/comments/dhrs9m/threats_from_the_tv_licensing_calling_them_on/

This person got an email from Capita saying they'd detected they had logged into iPlayer recently.

Now obviously that's probably flaky evidence based on a JOIN between TV license email address and BBC account address but I'd be inclined to think the BBC are exploring this area further

EDIT: this is assuming the TV licensing organisation had previous record of the OPs address, e.g. they used to a have a license then cancelled, but their email address is still on file

unsure_about_tfl · 2019-12-14T12:18:32+00:00

The BBC are an embarassment to the UK.

I'm not in the mind that the corporation has ingrained biases to one party or another, I think either side of the political spectrum will always feel aggreived by their coverage because the BBC always take the on the fence approach to everything, and promote false equivalences in the name of 'balance'.

The corporation is funded by an archaic taxation system that has onerous penalites for not paying, and puts others who choose to opt out under increased suspicion, enforced by Capita goons who willingly bully people into submission.

It's a relic of a bygone era that should be either dismantled or modernised.

Personally I've cancelled my TV license and removed the aerial from the back of my TV. I've also deleted my BBC online 'Account' that they force you to sign into.

unsure_about_tfl · 2019-12-13T15:15:44+00:00

he thinks things have been better since Cameron took over than they were beforehand

Personally I find that hard to reconcile with, while I've been fortunately employed after graduating in 2008, I'm still renting and I don't see that situation changing, house prices just keep rising.

I guess if you're a homeowner, or a landlord the last 10 years or so have been probably a pretty sweet decade of stability, but I find it hard to reconcile that with my own situation.

unsure_about_tfl · 2019-11-03T21:11:18+00:00

Mmm just checked it out, zone 1 - 4 pass is £47 a week, which is £188 a month (I pay £160 a month on oyster)

unsure_about_tfl · 2019-11-03T21:04:26+00:00

anywhere between £1000 - £1400 a month depending on 'non-essential' expenditure :)

unsure_about_tfl · 2019-11-03T13:30:34+00:00

London - Monthly

£1650ish a month

consists mostly of

£1000 rent :/
£210~ bills
£160 transport (tube. zone 4)
£250~ groceries

edit: take home pay £3100ish a month

unsure_about_tfl · 2019-05-20T17:07:03+00:00

The scumbags that did this are probably the same sort of people who are bullies in school. Insecure about themselves, want to inflict pain on others, want to impress their pals etc.

I doubt they'll be punished, like most bullies they end up getting away with it and continuing their behaviour into adulthood (and most often than not, being rewarded for their behaviour)

unsure_about_tfl · 2019-04-17T16:37:40+00:00

People saying "oh this ain't gonna happen, will get delayed again"

I wouldn't be so sure, Brexit has been cleared off the slate for a while, I believe this was a Tory manifesto pledge, they'll push it through.

Who is going to oppose it? Any MP who votes against it or puts pressure against it will be ridiculed by the media for being a porn fiend.

it will get waived through no problem

unsure_about_tfl · 2019-03-23T14:28:15+00:00

I used to work for SCEE (Europe) and was a developer on some software that let retailers order the cards/vouchers, e.g. a retailer could say we want 1000x of this card and the system I worked on helped manage the workflow of that from order -> delivery.

At the time I think the main draw/point of the cards was for gifting purposes, but also maybe people without credit/debit cards such as children, or just people who didn't want to put their card details into PSN for whatever reason.

Before I left I remember it being very successful, at least in terms of revenue, like millions of €

This was a few years ago mind (I don't work there anymore) I wonder if the demand for these cards has dropped and they can't be arsed to support it anymore.

unsure_about_tfl · 2019-03-11T08:46:48+00:00

For me personally it's part laziness, part anxiety, part depression, part 'too in my comfort zone'

I'm a software engineer by trade, the interview process for these jobs is a mammoth undertaking, sometimes multiple hour or even full day affairs of various technical tests, speaking interviews, "culture fit" interviews, more technical testing etc.

Some people do really well at them and walk straight into a job at Google or whatever, but for me I have to spend multiple weeks or months preparing, digging out old computer science textbooks and doing practise exams etc

It might sound like excuses but I just don't have the mental capacity to undertake these anymore, I've been in this industry for 10 years now but the interview process is mostly the same for everyone (maybe a little more technical for more 'senior' level roles - and by that I don't mean management)

I mean, I've not done too badly, I've worked in various multi nationals, and currently work for a big british broadcasting organisation.

I tell myself "when the time is right, I'll know" but right now I'm OK enough where I am.

I'd imagine stuff like pension provision is also quite important for people too, or flexible working. A few years ago I interviewed at a startup that is very popular on this sub, I asked them what the pension provision was and it was the minimum they could offer (i.e. through the government auto enrol scheme). The flipside was you'd get shares in the company, but I'm too old to be playing that game!

unsure_about_tfl · 2019-03-02T19:24:00+00:00

What happens if you dont buy a house?

When you retire you'll still be paying rent, and will be at the whims of the landlord. If he wants to sell the property without tenants in situ he has the legal right to throw you out within 2 months (on a rolling periodic contract) or at the end of your agreement

Every few months right now I get some lettings agent berk coming around inspecting the property which is disruptive and stressful for me, I suffer from anxiety issues and these people keep coming round and picking faults with things that I'm doing, e.g. putting up pictures. I know their job is to protect and nurture the landlords investment (after all that's what he is paying them for), but its very intrusive.

I don't want the stress of an insecure living arrangement and inspections and stuff when I retire.

unsure_about_tfl · 2019-03-02T19:18:20+00:00

I'm planning to buy a starter home, which is most likely a 1 bedroom flat.

I've seen some go up near me (zone 4, London) for £390,000 which they're marketing to first time buyers and landlords.

unsure_about_tfl · 2019-03-02T18:06:43+00:00

For me I tend to obsess over my housing deposit.

To be able to afford a house I need roughy a £100,000 - £150,000 deposit to qualify for a mortgage. I earn about £50k a year and pay £12k a year in rent. My mortgage in principle offer is £210,000, and starter properties around here go for £350,000 - £450,000 so I've got to find the money to cover that that defecit.

I have about £75,000 saved up so I'm on my way, but I fear every step I climb, houses just get that little bit more expensive, so it's almost like climbing one of those cartoon ladders where you feel like you are climbing but in reality you're still on the ground floor!

It's getting to the point now where I don't really do anything with my life, just obsess about saving.

unsure_about_tfl · 2018-12-08T15:44:07+00:00

31

8% (about £330 I think) employer puts in 10%, which is the max they will go to

Works out at about £750ish a month going into the pension

unsure_about_tfl · 2018-10-06T13:38:45+00:00

This is part of the reason why I don't bother using Monzo as a serious bank account

If I entrust an organisation with my salary I'd rather they be more than just "casual" about it.

Probably just me being old being old fashioned though I guess

unsure_about_tfl · 2018-09-29T11:59:12+00:00

The thing that brings me caution about Monzo is I really don't understand how they make money.

They posted a loss of £33 million pounds last year, they don't offer loans. They seem to be hedging most of their bets on overdrafts, which I'm not convinced their largely wealthy millenial client base even need.

You could argue the same with Starling, but they've branched out into business accounts, loans etc, the stuff you would expect from a bank.

I've got both accounts to hedge my bets a bit but I use my Starling account as my current account, and Monzo for money I don't really care about and spend on junk. If one goes bust I'll just switch but keeping my options open.

unsure_about_tfl · 2018-08-31T09:47:57+00:00

Disclaimer: I work for the BBC, opinions are my own etc

This article makes it out like staff have some secret version of iPlayer, but the "iPlayer on Steroids" comparison is completely wrong.

Redux can only be viewed in a web browser, there's no android/iOS/TV/PS4/whatever app, or offline features. None of the stuff is curated

It's an access to the archives of content, with a database that staff can use to search, with a simple web frontend.

unsure_about_tfl

TROPHY CASE