cbathpc

I wonder what these 2% mortgages most people will be on were stress tested against? Surely the banks must be looking at mass defaults with the huge increase in living and energy costs.

I want house prices to fall and step back into reality, however I do hate some of the sneering that goes on here. People really haven't been given much choice when it comes to housing, either pay over the odds or have an insecure rental

You don't have to be married. Had a friend who had two kids with his missus, they were not married. She left him for another man. Hes lost his house, and has to pay maintenance. Now he can only afford to live with his mum, while shes already pregnant with her new man.. great deal!

The tories are so ******ed with this.

How much does the gov contribute? Genuine question.. as you say how do most afford 1190 pcm?

Is this really anything to do with Rishi? I think it would have been much worse if Boris or Truss were still in charge.

It seems like any party who gets in is going to be extremely limited in what they can do. As we saw with Truss, if you're going to spend a load of money, you're going to need to be able to explain how you're going to pay for it. That leaves whoever gets in, in the situation where they're playing around with the edges and margins

I've gone for .5%. I feel like the pressure is mounting 1. Inflation is getting worse, not better. 2. No one believes the bank has any commitment to these current rates, they need to signal they are serious.

My diet is definitely changing due to these price increases, I am making a lot more stuff from scratch rather than paying crazy prices for lower quality ready made stuff. Perhaps if the BoE get their act together the end result of this could be a healthier population

In the UK we prefer to charge huge sums to use your car while also cancelling, and removing all public transport. Works a treat!

So the question is, how does Germany do it? We’re running a huge deficit so it’s not like we can just spend more

I think for lots of people, they don't view the £10 as stolen, where as they do view the £1 as stolen. They earnt that £10, and who blames them for keeping it vs why the ****** do I have to give my money to some layabout.. wish I could keep it like the other guy

Seniors ignore the juniors, juniors quite happy to toddle along doing nothing. Velocity and other bs measures look okay because a senior can do more work in 1 day than a junior can all week Everything looks great until the senior leaves and the juniors don't know anything. This is wide spread, obviously not the case everywhere, lots of juniors hit the ground running and want to get stuck in, however lots don't.

Being remote makes it so easy to ignore juniors, who are often a drag on dev speed. We have lots of seniors who totally ignore the juniors, and lots of juniors are quite happy with it. Does feel like a house of cards ready to fall at any moment.

It's been reported they make £66k per house sold. They sold 14,868 in 2022. Not bad eh.

Whats going on with mortgage valuations, can you find stats on that? It's all well and good a seller listing at 400k, a buyer with 10% offering 400k, but what are the mortgage companies saying? Are they happy to take on that risk?

Yes google has been so effectively gamed it has become bad. A classic example being a recipe, you google a recipe and all the top results will be blogspam with 1000 words before the actual recipe. Google judges this to be good because you spend longer on the page, interact more, where in reality its far worse and you're just looking for the recipe. You see this all over the net now, instead of the information you want front and centre, its stuffed full of filler content. Chatgpt destorys google on so many fronts

Imo, there is no skill difference between writing modern javascript and modern java. They all steal from each other, and they can all be used in a similar way. Pointless argument

I'm going to fudge the figures because I don't want it to be too identifiable, but a friend is selling in the NW. Bought for 300 in 2020, listed at 400 with an approx 60k spend on it. Multiple viewings in the first week and already had an offer at 385k. Seems like their is life in the old dog yet..

Look at the new pros. Not many people buying air for jobs. 14" starts at £2.1k

These so-called "workers" using AI bots to do 80% of their job are nothing but lazy, entitled millennials and Gen Zs who don't know the meaning of hard work. Back in my day, we didn't have fancy AI bots to do our jobs for us. We had to put in blood, sweat, and tears to earn our paychecks. These lazy youngsters are cheating their employers and taking advantage of the system. It's outrageous that these workers have the audacity to claim they're doing multiple full-time jobs when they're just sitting back and letting AI do the work. What happened to good old-fashioned work ethic and dedication? These young whippersnappers are just looking for shortcuts and handouts. And what's even more infuriating is that their employers have no idea! These workers are sneaking around behind their backs, using AI bots to do most of their work, and getting paid for it. It's deceitful and dishonest. Employers are paying these workers for a full day's work, but they're only doing a fraction of it themselves. This is a perfect example of the entitlement and laziness that's plaguing the younger generation. They want all the perks of a job without putting in the effort. It's time for these workers to step up, take responsibility, and do their jobs the old-fashioned way - with hard work, dedication, and integrity. Enough with the shortcuts and cheating. It's time to earn your paycheck like the rest of us did! --- Certainly looks like it can shitpost on HPC - sorry spyguy, you're done for

Ours definitely follows the 'TWATs' model. With Wednesday being particularly busy. Could turn up at 10am on a Friday and still get a premium spot

Exactly. I use a 2020 macbook pro for work, and for the 2023 edition you're looking at £1k more.. just for the base spec which has a shit hard drive and not enough ram. They're great machines though, absolutely no reason to upgrade my current one - even worse for apple I don't even dev on the machine anymore, it's essentially just a terminal for an EC2 (virtual machine).. something that I'm sure is going to become more and more common as remote work seems to be sticking around

Yes, and then millennials have to give back 9% of their salary for the privilege

I do think this is why takeaways are suffering so much. They didn't use to be SO much more than doing it yourself. It seems like the quality has gone down significantly, and the cost has gone up to match. I used to get them on a regular basis, same with McDonalds.. now I'd rather do it myself and save the money.