Matty

active 2 months, 1 week ago
active 2 months, 1 week ago
  • It is my view that paying more than 50% tax (plus VAT, road tax, etc.) is the limit before earning starts to be discouraged.

    How do others think those tax bands should change ?

  • Matty posted an update 4 months ago

    My internet Broadband connection started playing up last week, then on Saturday I lost the telephone connection completely. Open Reach Engineer has just been and found the fault was caused by False Widow Spiders having woven their webs in the connection box where the telephone line enters my maisonette at ground level. Heavy dew on these webs had…[Read more]

    • I was in California for a while at the wife’s uncles and got roped into tracing an electrical fault with the exterior ground lights (large property) I was warned in no uncertain terms to be extremely careful opening up all the junction boxes and digging around in the bushes etc because of the danger of brown recluse spiders, scorpions and r…[Read more]

    • No access to the web?

  • Matty posted a new activity comment 4 months ago

    You’ve described a third of the job. Admin (ever increasing) and research also exist too. Long hours are common, and at the bottom end of the career ladder job security is non-existent, 9-24 month contracts are the norm. I have no personal experience of industry, so can’t comment – I’m sure others can. People have a career in academia because they…[Read more]

  • Matty posted a new activity comment 4 months ago

    I hope you’re joking. Even if academics had “enormous pensions”, if you had agreed to do a job and were told that you would be getting a certain pension scheme, then your employer turned around 6 months or twenty years down the line and told you you would get 10 grand less, in your old age than was agreed, you’d be pissed.

    Yes, it sucks for…[Read more]

    • I know, having to lecture and give tutorials with those pesky undergraduates, nightmare. Why have a career in academia when you could earn many more times salary in industry?

      • You’ve described a third of the job. Admin (ever increasing) and research also exist too. Long hours are common, and at the bottom end of the career ladder job security is non-existent, 9-24 month contracts are the norm. I have no personal experience of industry, so can’t comment – I’m sure others can. People have a career in academia because they…[Read more]

  • Matty posted a new activity comment 4 months ago

    Get the calculator and work out what the annual bill for x lights at 28w and y lights at 9w for z hours per day should be to see if you are being overcharged for electricity.

    £3k at £90 per fitting so say 30 fittings at 28w for 12 hrs per day is 4000 kwh or £500 per year – how does that compare with your bills and meter readings?

    A £150 per yea…[Read more]

    • It’s not that I think we’re being overcharged for the electricity itself – our bills are in line with the currently installed lamps. And I know what the likely savings from switching to LED will be.

      It’s that I think this electrician is trying to rip us off (with or without my agent’s knowledge) by making unnecessary exchanges of entire fittings.…[Read more]

  • Matty posted a new activity comment 4 months ago

    7.9

  • Matty posted a new activity comment 4 months ago

    I’m weaning myself off credit cards. I now use a “pay as you go” Mastercard(Revolut).

  • Matty posted an update 4 months ago

    For various reasons I might need to take out a small personal loan – about £3000. Initially I considered my own bank but then discounted them after looking at a comparison web site.

    One that came out quite favorably in terms of interest rates was Hitachi Capital.

    Whilst I’ve heard of Hitach in terms of electronics etc. I didn’t know they were…[Read more]

    • Luke replied 4 months ago

      What do you need it for ? Can you get a 0% credit card for purchases and pay it off that way (over 24 months or whatever)?

    • Lots of people will have a hitachi loan without realising; they are one of the big players in retail lending.

      With personal loans, just be aware that loans can be very ‘stepped’ so you may get a much much better interest rate by borrowing over £5000 or over £7500

      BUT the affordability check will be harder for larger loans.

    • Definitely fine as a lender/business.

      For your purposes however, as others suggested, for a relatively small amount like that the 0% card might be a winner. If you have the strength of character to ‘wean yourself off’ credit cards you should be fine to take a fresh one out with a ‘0% for x months on all purchases in first X months’ deal on it,…[Read more]

      • jack replied 4 months ago

        Second this.

        I used 0% cards when interest rates on mortgages were higher, use them to put all your shopping on (note: never ever use a card for a cash advance) and keep the money in a bank account offset against the mortgage. Pay off 1 week before its due. Repeat. Had maybe £6-7k on cards at one point between me and wifey. Its a bit scary, but…[Read more]

  • Matty posted a new activity comment 4 months ago

    Hi @jaffa I thought id share a little annecdote with you.

    Maybe five years ago now, a man parked a large van on my driveway. I had been at a football match for a few hours and just got home, Anyway, I pulled up to park only to find my driveway full. So I pulled into my drive as best I could, before I began to slash the culprits tires (if you only…[Read more]

  • @joe Original thought is beyond what we currently understand as computers. But then again one of my mother’s classmates back in the 60s declared that the limit of human invention had been achieved with the arrival of the pocket calculator. We may well oneday look back upon our current times as a primitive dipping of our collective toe into the o…[Read more]

  • Matty replied to the topic Is there life after death? in the forum General Chat 6 months ago

    Let me chime in guys…

    @adam Even under classical assumptions you run into the problem of not having perfect knowledge of the initial states.

    If you actually try to do it, yes. But this is an experimental problem not a fundametal one. A big problem, for sure, but the fact remains a classical consciousness must fundamentally be computable by…[Read more]