nly

27 ms·

511.
by nly 3y ago
What about tax on private pension withdrawals?
512.
by nly 3y ago
Voyant https://www.planwithvoyant.co.uk/content/en_GB/index.html Unfortunately the cheapest sort of access to this product is around £120/yr via an advisor sponsored subscription, but the insights they provid
513.
by nly 3y ago
Tbh most of the interesting retirement planning problems are in planning for life events along the way. The advantage of proper modelling solutions like Voyant is that you can see your cash flows across your entire life and see what happens
514.
by nly 3y ago
Presumably that £3.6K ish is repayment, not interest only. Try working out how much you need to save over 30 years (while renting) to buy a home. Don't forget to account for inflation in any assumed investment return.
515.
by nly 3y ago
I don't agree. I'm London, UK and rents ante rising at an insane pace.
516.
by nly 3y ago
Encoding and decoding base58 is a lot less efficient (needs arithmetic multiplication with a carry across the stream). Base32 is sufficient in most cases and can avoid some incidental swear words. If you want density go for Z85, which is a
517.
by nly 3y ago
Well, maybe the US is a special snowflake wrt to mortgages and that was a bad example. Most of the world doesn't have the luxury of fixing their mortgage debt for 30 years or have a Fannie and Freddie to support them. Plain old busines
518.
by nly 3y ago
I'm not familiar with any adjustable rate bonds tbh. All corporate bonds and gilts I've ever seen have had fixed coupons to maturity. I just wouldn't call treasuries weird or quirky when fixed coupons are the textbook definit
519.
by nly 3y ago
There's less pressure on banks to pay a decent % on deposits than you think. Many banks have hundreds of billions of $$$ sat in accounts paying close to zero interest. A very small % of people seek out good rates on their cash. Also, w
520.
by nly 3y ago
Banks don't have to take in customer deposits in order to lend out money Deposits are just a cheap way for them to reduce the delta between what they owe other banks and what other banks owe them (settlement) When a bank writes a loan
521.
by nly 3y ago
> This is due to the weird quirk of treasuries What are you talking about? This is literally how all bonds work. It's not a "weird quirk"
522.
by nly 3y ago
iostreams are more or less just a straight conversion of everything that C streams were (but nobody ever used) in to polymorphic interfaces and templates. It's a shame they add so much header bloat, but there's a lot of function
523.
by nly 3y ago
Nobody gives a shit that a tree was cut down. It was this _particular_ tree that had sentimental value. It had been a local landmark for centuries.
524.
by nly 3y ago
Could you not just use the same protocol?
525.
by nly 3y ago
In the UK you also get access to better consumer protection using credit thanks to Section 75
526.
by nly 3y ago
Humans are great at talking about problems for extended periods of time, ad nauseam, and less good at just getting starting on the solution. There are at least 6 or 7 bugs and tiny missing features in the software I own at work that would i
527.
by nly 3y ago
You underestimate the ego out there that drives people out there to throw things away and reinvent the wheel again and again.
528.
by nly 3y ago
Highest marginal in the UK is technically 47%, but for certain bands and life situations it can be as high as 80% (loss of certain benefits phased in at certain income thresholds)
529.
by nly 3y ago
A catchy blog post on this subject; Even God Couldn’t Beat Dollar-Cost Averaging https://ofdollarsanddata.com/even-god-couldnt-beat-dollar-co...
530.
by nly 3y ago
Offloads that to UDP is a nice way of saying "you get random packet drops determined by some router between A and B"
531.
by nly 3y ago
Yeah I read your comment, but what is 'acceptable' level of return changes with the climate. The whole point of investing is to fulfil your financial life goals, not make X%/yr arbitrarily.
532.
by nly 3y ago
My condolences
533.
by nly 3y ago
There's no official spec for the text format, except for the one reverse engineered from 3,000 lines of C++: https://protobuf.dev/reference/protobuf/textformat-spec/
534.
by nly 3y ago
Except you're being hammered by inflation and you can't get out to invest anything else because of the market loss.
535.
by nly 3y ago
The problem is there's no standard equivalent of the BSD sockets API for writing programs that communicate over QUIC. It'll always be niche outside the browser until this exists.
536.
by nly 3y ago
Using doubles for crypto prices instead of fixed point seems like a disaster waiting to happen?
537.
by nly 3y ago
After ww2 lots more women didn't work and so could provide childcare. The problem today is a 2 full-time salaried income is required to be able to afford a decent standard of living for a family, whereas even as late as the 80s it was
538.
by nly 3y ago
Double spending doesn't sound like a user problem to me. As a user id be happy to be able to double spend!
539.
by nly 3y ago
A codebase I use at work gets around this by defining all enums in protobufs.
540.
by nly 3y ago
Lots of wealthy buy these by the tube. Being legal tender they are free of VAT and CGT on sale, which isn't true of investment grade gold biscuits.

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