cbathpc
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Posts posted by cbathpc
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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
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1 hour ago, Casual-observer said:
It's in the family courts where the real unbalance sits, there is no incentive for men to get legally married anymore...none.
A LOT of divorced men can easily end up virtually homeless or couch surfing for years, especially with the housing market as it stands. Good luck qualifying for emergency housing when you've legally got a house in your name but an easily obtainable court order to deny you entry to it.
A lot of people are ignorant to how easily the family court can be played, they are NOT anything like criminals courts. The thresholds for probability and evidence based decisions are nothing like criminal proceedings.
An acquaintance I know had a brother die on the streets a few years ago, the divorce absolutely crippled him. The price just isn't worth the risk for men anymore.
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!
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The tories are so ******ed with this.
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16 minutes ago, winkie said:
Most don't take home that a month....just goes to show how crazy rents have become....for those that pay it.
How much does the gov contribute? Genuine question.. as you say how do most afford 1190 pcm?
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Is this really anything to do with Rishi? I think it would have been much worse if Boris or Truss were still in charge.
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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
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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.
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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
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9 hours ago, Debt Slaves said:
We need something like this in the UK. Tell the government to think of the environment and their "green" targets, which they just so happen want to extract cash from us for. If this existed a lot of people would drive a lot less or not at all. TFL just London zones 1-4 costs 224.70 per month or £15.20 for a one day pass.
In the UK we prefer to charge huge sums to use your car while also cancelling, and removing all public transport. Works a treat!
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13 hours ago, NoHPCinTheUK said:
Prices for children’s daycare (Kindertagesbetreuung) are very affordable in Germany, with nurseries typically charging €70–150 per child per month. Subsidies are often available for low-income families. This varies from region to region, and is typically worked out on a sliding scale depending on the number of hours of care required and the total family income. Some institutions will charge more, particularly for extended hours or meals. After-school care is a comparable price.
The issue is not how much she’s paying but what she’s receiving in return.
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
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14 minutes ago, msi said:
For every £1 spent on welfare, £10 is lost to aggressive tax avoidance by the Elites.
Not saying welfare needs sorting, but why chase £1 when someone is pinching tenners off you
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
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41 minutes ago, MancTom said:
Presumably they are being monitored for that then? So there is an obvious solution if people want them to something else too. Though I'm not a fan of more metrics because in general metric monitoring just makes people game the system to those metrics and neglect other important things the beancounters didn't think to monitor.
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.
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2 hours ago, MancTom said:
I've been told by someone that in some tech companies the problem is that the senior people just refuse to engage with the younger people remotely. So that sounds like the problem is not remote working, but that they don't want to supervise novices and are using remote working as an excuse.
The first thing I ask anyone junior I am supposed to help is what is the best way for you to communicate with me to get help? I also emphasise they should not be worried about asking stupid questions and just ask me, because I want them to be productive and not sat there not making progress because they got stuck on something I can explain to them in 5 mins.
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.
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30 minutes ago, iamnumerate said:
Are new homes expensive because Persimon is making loads or because land is costing them a lot?
If the former then I have no sympathy
It's been reported they make £66k per house sold. They sold 14,868 in 2022.
Not bad eh.
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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?
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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
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2 hours ago, Gurgle said:
Bottom line is there is crap code everywhere and it's not unique to any one language. There are significanty more crap developers than good ones. Barrier to entry is what makes javascript maybe look worse than others but in reality it isn't really. I've seen shocking code in .NET and Java too.
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
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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..
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41 minutes ago, bodgittandscarper said:
Had a quick peak at Macbook Air prices expecting them to be considerably higher than three years ago ()when I last bought) based on this thread. But no, the outgoing models are still priced at £999 and the newver models starting at £1199. Doesn't look like rampant inflation to me on that model lineup at least.
Look at the new pros. Not many people buying air for jobs. 14" starts at £2.1k
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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!
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Certainly looks like it can shitpost on HPC - sorry spyguy, you're done for
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1 hour ago, Quiet Guy said:
The business park I work in is unrecognisable from a few years ago. I estimate the overall occupancy is at about 50% down. I used to have to drive around to find a parking space after 09:00. Now it's almost deserted some days. WFH seems to be here to stay.
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
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3 hours ago, petetong said:
Not surprising given the price, which has increased £500 to £1K for a mac laptop.
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
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24 minutes ago, iamnumerate said:
So presumably a lot of jobs want degrees but didn't in the past and pay the same.
Yes, and then millennials have to give back 9% of their salary for the privilege
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On 04/04/2023 at 02:45, MarkG said:
Yeah, fast food prices have got crazy. We can cook a burger from the local butcher in a bun from a local baker and still pay less than buying something similar from McDonalds... the only downside is that we have to spend a few minutes cooking it.
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.
Telegraph - Average 2 year fix is 5.3%!!
in House prices and the economy
Posted
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.