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 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.
I don't mind one dog in an office, but how does that scale? Even two dogs feels like a bad idea, let alone multiple. I agree that if you have to leave your dog alone for 6hrs, you probably shouldn't own a dog.
As for restaurants, you can't be comparing dogs to small humans. It's more appropriate to compare dogs to other animals - should I be allowed to bring my cat, or an obedient pet rat or snake to a restaurant?
It's bizarre how dogs have this universal free pass.
Totally agree. I feel bad for this dog, it needs more space and stimulation
Wtf .. 16gb .. please prioritise that feature.
Live in a quiet neighborhood and some bellend decides to get a huge German shepherd. Has to build a high fence to ensure the thing doesn't jump their 6' garden wall, plus it barks at everything, all day. The kids in the house nextdoor are scared of it, it pulls and barks constantly when out for walks and if it ever got loose, it would cause chaos.
But apparently they're all soft loving creatures on the inside, and more importantly, said bellend feels like a big man when out for a walk.
More breeds should be muzzled and restricted from residential areas.
That's good, it might contribute to why I feel more mentally balanced when I stick to a green tea and high vegetable diet since that's apparently a rich source of l-theanine and GABA. It's hard to separate from the other benefits.
I don't like our culture of having a magic pill for everything, when there are simpler (less processed, less packaging, much cheaper) things to try first that promote better health overall. But green tea, sweet potatoes and oily fish aren't sexy marketing propositions that can be marked up x percent.
Ah yes, the placebo section. Like magic, the more it costs, the better it works.
Love that luck analogy, I'll be using that.
When I'm told I've been lucky, it's sometimes that I've just been really deliberate and considered in my actions.
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.