I wanted to pay it down while the rates were low, 10% would’ve started off ok, but obviously the lower it got, the less that was. Makes sense from the bank’s pov, seems a fair trade-off for a fix.
Always up for a chat
I wanted to pay it down while the rates were low, 10% would’ve started off ok, but obviously the lower it got, the less that was. Makes sense from the bank’s pov, seems a fair trade-off for a fix.
It just feels like a huge gamble. I went the tracker route between 2012 and 2018 only because I didn’t want the overpayment restrictions imposed by fixed deals.
Luckily it worked out, had I gone for a fixed rate I’d still be slowly paying it off, at a higher rate.
For every person who did well, there’s someone else who didn’t, mostly through unlucky timing.
It’s crazy in the UK too, where 3-5 year fixes are common. I’ve know folk who at renewal next year will be paying £500-£800 extra, each month.
My biggest impact has been gas and elec, which maybe added that amount to my annual bill. I can’t imagine the stress.
I got deeply into this (genre?) when I burned out on a combination of playing big/tough games and the stresses of life. I also enjoyed the pace of Outer Wilds and Subnautica. Some other favourites:
There are tons more, I deal with a lot of anxiety!
Some games I was recommended for this purpose that didn’t land for me:
Finally, I’d suggest trying a solo board game. More tactile and relaxing alternative to screen time.
I agree with your last bit, and I know plenty of people who are clearly manipulated by their news feeds and targeted advertising, but I’m not one of them. I don’t use ad blockers because it’s a valid revenue mechanism - I have friends who pay their bills through advertising. But I’m blind to them, I’ve never clicked on an advert and actively avoid suggestions.
I’m worried about the societal consequence, but doesn’t that issue need to be addressed by engaging in the politics, not by me using Google less? Data harvesting is unavoidable without huge inconvenience, and life is hard enough.
I feel the same way about climate change - I can reduce, reuse and recycle all I want, but I see my neighbours driving and flying everywhere and filling their bins every week, I probably sacrifice to make zero difference.
Wtf … 16gb … please prioritise that feature.
And within 12 hours, have forgotten 90%
After a couple of bad questions, I’ll either excuse myself, suggest we carry on separately, or (ideally) ask to be sent a list, for me to ignore at my leisure.
Sorry Greg, we’re not here to answer your dumbass questions, or indulge your hypothetical edge cases.
Employers will quickly learn that leashing a person to their laptop will not prevent wasted time, it’ll cause them to waste time in other ways, and will drive away talent. The only harm is when it impacts outcomes, which is easier and more beneficial to track.
It’s pretty obvious when someone is underperforming, you don’t need to know whether they’ve been doing the laundry between meetings.