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The Perfect Element posted:There's that national lottery game where the top prize is being paid £10k per month for thirty years. I reckon that would be the best. You'd be minted, but not so much that you'd go completely crazy. You could quit your meaningless bullshit job and just volunteer or travel or something, and donate like at least two thirds of the money towards cool stuff. I once sat down and worked out that if you had £1m, you could split it into five 200k bonds and draw £20k a year indefinitely for the rest of your life, as long as you've got the discipline (and the stone cold heart, probably) to treat that seed money in the bonds as if it doesn't exist. If you do feel compelled to spend or give it away, you can get about 45 years out of £600k at the same drawdown before the cash runs out. Something like that would be my plan, if I ever win the lottery I never get around to playing. Not independently wealthy, but I'd settle for being independently reasonably-okay-financially-speaking.
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Oct 11, 2021 00:34
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me? I'd buy yachts and Ferraris and booze and drugs and we'd all be better off.
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Oct 11, 2021 00:37
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Reveilled posted:I once sat down and worked out that if you had £1m, you could split it into five 200k bonds and draw £20k a year indefinitely for the rest of your life, as long as you've got the discipline (and the stone cold heart, probably) to treat that seed money in the bonds as if it doesn't exist. If you do feel compelled to spend or give it away, you can get about 45 years out of £600k at the same drawdown before the cash runs out. Would that also track with inflation? If so £20k a year feels like a sweet spot, especially if you use that £400k from the second option to buy a decent house and keep a pretty hefty rainy-day fund. It's definitely not *rich*, but I'd say it's more than enough to get rid of financial anxiety. Of course if somehow the world is still here in 45 years you're going to feel a bit of an idiot when the counter hits zero, so maybe you should put aside enough for a blaze-of-glory exit off a cliff in a rented Bugatti with a Scarface-sized mountain of blow up your nose.
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Oct 11, 2021 00:57
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Keir's mega focus group results. https://numberslaidbare.wordpress.com/2021/10/10/r-ukpolitics-keirs-mega-focus-group-results/ reddit ukpolitics persons took part in this. Some interesting graphs included. (Sorry they don't copy easily and I'm too tired to meticulously imgur them.)
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Oct 11, 2021 00:59
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Jesus imagine winning a million and deciding to live on 20k a year for the rest of your life, I wonder about you lot sometimes I really do
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Oct 11, 2021 01:02
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Jakabite posted:Jesus imagine winning a million and deciding to live on 20k a year for the rest of your life, I wonder about you lot sometimes I really do Assuming you buy yourself a house upfront, 20 grand per year is pretty decent money. The first few years you could probably spend more but at some point there's only so much stuff one person needs. Sure, you could decide you want to eat out at Michelin star restaurants and live in Central London and take 4 holidays a year that you fly to in first class but at some point it's diminishing returns.
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Oct 11, 2021 01:08
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goddamnedtwisto posted:Would that also track with inflation? If so £20k a year feels like a sweet spot, especially if you use that £400k from the second option to buy a decent house and keep a pretty hefty rainy-day fund. It's definitely not *rich*, but I'd say it's more than enough to get rid of financial anxiety. Sadly no, the best rates on fixed bonds these days are under 2% which isn't meaningfully too far from inflation, so if you want an inflation adjusted £20k, you can practically work that out just by dividing the asset by 20k to work out how long it'll last. Of course if you can invest it you might get a higher rate on return than a fixed bond in which case you could beat out the inflation maybe. If you ever do win the lottery, please be advised that this financial advice I have just given is billable for £1m. Jakabite posted:Jesus imagine winning a million and deciding to live on 20k a year for the rest of your life, I wonder about you lot sometimes I really do Eh, I live on only marginally more than 20k a year right now and I want for very little, I think the only significant improvement I could make in my quality of life is not having to work, and I'd trade a small income reduction for that.
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Oct 11, 2021 01:12
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4 holidays a year lol what the gently caress would I be on holiday from? I'm saving myself the money of having to take a holiday by already being on holiday
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Oct 11, 2021 01:13
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NotJustANumber99 posted:4 holidays a year lol Holidays are when you go to nice places.
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Oct 11, 2021 01:15
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NotJustANumber99 posted:4 holidays a year lol People seem to enjoy going abroad. You could go to Australia and see the remains of the Tesla battery factory that burned for a week
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Oct 11, 2021 01:21
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i would go into space, it seems expensive but you get a view of every holiday detination so actually a bit of a bargain
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Oct 11, 2021 01:31
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forkboy84 posted:The thing is that having been long-term unemployed I know that not working while being able to afford not only a roof over my head and keep fed while still being able to get luxury items like books and games and music would make me happy. Yeah this is it, I think if the number one thing you'll gain happiness from, from having money, isn't like, "security" (i.e. not having to worry about money), and "freedom" then you may well end up having a bad time. NotJustANumber99 posted:How many people would you be happy with thinking gently caress I wish my life didnt suck and knowing that the constant money chase was the reason it did? Yeah but I think even people who are struggling to buy enough food every week still probably find themselves dreaming of winning the lottery and getting a massive house and all that, and what I'm saying is that if that's what you aspire to then it probably won't actually make you happy. Also if you did win the lottery and you think like this you're probably more likely to spunk it all up the wall and end up penniless again. forkboy84 posted:Sure, you could decide you want to eat out at Michelin star restaurants and live in Central London and take 4 holidays a year that you fly to in first class but at some point it's diminishing returns. You are right about diminshing returns. My old boss got rich and started going and spending the weekend at Claridges in London like every 3 weeks (a room costs like £900 a night or something stupid) but he was still a miserable fucker. You get to a certain point of doing that and yeah, you have to escalate and escalate for it to feel special and before you know it you're claiming that "£300k/year isn't rich!" or whatever, because there's always some oval office richer than you. Like, I've eaten at fancy restaurants, and it *is* good. Ate at a 3-star place in Copenhagen when we were on holiday and I'd just got a small bonus from work, and it was the most incredible meal I've ever had... but I wouldn't want to do it all the time, cause then it's not special anymore. I've fallen into the trap of getting takeaways 2 or 3 times a week before when I was mega-stressed from work stuff and you just stop enjoying it, we were only getting them because we couldn't be arsed to cook in the end. NotJustANumber99 posted:Youre already pretty rich really, most people only really want the crushing boot of poordom taken off their necks. And yeah, I know in some sense I am. I own a house (with a mortgage), but like I said I'm currently unemployed. My wife's working but her income only just covers our expenses - which we're keeping modest. I have to watch what we're spending at the supermarket and stuff like that, which to be honest is the first time I've ever really had to do that... and yeah, it really does suck. I know I'm lucky I've never really had to worry about it before, and I'll probably find a job soon and we'll be alright again. I might even be able to start putting some money away in a pension. Either way, the last couple of years have really put some things into focus, that's for sure.
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Oct 11, 2021 01:32
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£20k a year with a house and no work sounds like heaven to me, I think I would basically be completely happy with that. I could spend my time doing anything I like. I can't really think what I would personally use greater riches for, I don't want to go anywhere, I don't want to own fancy things, I just want time really.
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Oct 11, 2021 01:39
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NotJustANumber99 posted:i would go into space, it seems expensive but you get a view of every holiday detination so actually a bit of a bargain i would also like you to go into space
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Oct 11, 2021 02:02
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OwlFancier posted:£20k a year with a house and no work sounds like heaven to me, I think I would basically be completely happy with that. I could spend my time doing anything I like. I'd say you could post more but you have like, 1 post an hour, every hour, 7 days a week, 365 days a year for 8 years straight  Even my wife walked past my screen the other day and said 'Oh, Owlfancier? he's in every damned thread...'
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Oct 11, 2021 02:03
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Yeah I am already operating at maximum posting capacity. This is what peak posting performance looks like.
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Oct 11, 2021 02:40
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Mebh posted:I'd say you could post more but you have like, 1 post an hour, every hour, 7 days a week, 365 days a year for 8 years straight "surely that's an exaggeration", I mutter, clicking his profile button and yet he's not even close to the high score
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Oct 11, 2021 03:01
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Jaeluni Asjil posted:Keir's mega focus group results. this one's confusing me a bit: Kier removes the whip from Labour MPs who are ‘gender critical’ with regard to trans issues  if i understand, this would be basically allowing labour mps to vote against trans rights. am i right? because if so, doesn't this seem like the respondents have misunderstood the question, because only the tories say this would make them less likely to vote labour, wither everyone else not caring very much.
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Oct 11, 2021 03:27
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"remove the whip" means they are no longer considered labour MPs. Because he can't fire them as MPs, so "removing the whip" is basically saying "we no longer require your services" So like, technically yes it means they can vote however they want but technically they can already do that because you are explicitly not allowed to tell MPs how to vote in our dumb political system.
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Oct 11, 2021 03:30
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oh okay. i've misunderstood what the whip was then. i thought it was the party line which everybody is expected to vote with or they can't be a labour mp anymore. so removing it would mean they could vote as they like without that consequence.
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Oct 11, 2021 03:37
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roomtone posted:oh okay. i've misunderstood what the whip was then. It is, which coexists with the idea that you are not allowed to tell MPs how to vote, I believe this is the origin of the "3 line whip" because once upon a time voting importance was communicated by underlining motions a number of times. "removing the whip" does technically mean they can do what they like but the reason you remove it is because you no longer have any expectation that they will be functioning as an MP for your given party. It is saying that they can do whatever they want because they aren't one of yours any more, and can expect not to recieve any support for re-election either. Corbyn for example does not have the whip at the moment, as far as I recall, and will very probably not be allowed to stand on the labour ticket next election. OwlFancier fucked around with this message at 03:44 on Oct 11, 2021 |
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Oct 11, 2021 03:40
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Yeah if you have the whip removed you won't be allowed to stand as a Labour MP or receive any funding. Given that like 94% of votes (nationwide) are based on party rather than who the local MP* is, if you're a Labour MP in a Labour seat, it's highly likely that if you stand as an independent, you'll lose your seat (I like to call it "getting Danczuked"**). Also you'd have to fund your campaign yourself. It's entirely possible though that a really really good constituency MP (like, say, Jeremy Corbyn) might still win a seat if they stood as an independent. * Which, alone, makes a complete mockery of the existence of MPs at all. ** After Simon Danczuk: https://en.wikipedia.org/wiki/Simon_Danczuk
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Oct 11, 2021 04:00
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Regarde Aduck posted:i would also like you to go into space I would still be posting
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Oct 11, 2021 07:58
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…Really cool pictures of space while having an awesome time hanging out with William Shatner
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Oct 11, 2021 08:08
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learnincurve posted:…Really cool pictures of space while having an awesome time hanging out with William Shatner 
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Oct 11, 2021 08:24
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I remember reading an article a few years ago about a study done on lottery winners and whether or not it was actually a bad thing to win because of what it does to your life. Turns out the vast majority of people who won are incredibly happy and it actually is a positive thing. You just don't hear about those people because they're busy enjoying their lives instead being in the news because they ran out of money.
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Oct 11, 2021 08:39
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I always took the "you'll be miserable if you win" thing to be a decent bit of paup shaming and classism. In a country so set up for the ultra rich it's a bit odd. Plus with how the national psyche seems to consist strongly of us hating ourselves I guess it lines up.
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Oct 11, 2021 09:21
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I’m sure being wealthy can’t make you happy but it surely can remove the two biggest sources of unhappiness, money insecurity and the need to endlessly work to live
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Oct 11, 2021 09:35
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The national lottery funds a bunch of good causes while also allowing one workshy scrounger and her ten kids to get a bunch of money for free and still never work, of course the upper classes hate it. Oh, inheriting the family estate and then buying some houses to become a landlord that lives in Spain and spends all day on the beach? No that doesn't compare
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Oct 11, 2021 09:36
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i enjoyed how outraged the middle clawwses got about mickey carroll back in the day 
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Oct 11, 2021 09:42
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The fact that nearly goddamn everything is projection never ceases to amaze me. I love my goddamn job, but if anyone thinks that for a second I wouldn't throw it in and just go explore the world the moment I had no financial chains they're loving insane. Workshy my rear end. Why the hell would anyone want to do the same thing every day til they're too old to enjoy most of the things in the world just so they can live in loving Sheffield til they die. (note :sheff is quite nice but it's not exactly a life goals place...)
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Oct 11, 2021 09:47
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Mebh posted:The fact that nearly goddamn everything is projection never ceases to amaze me. It's a tricky one with the life goals places. I thought about moving to Singapore at one point but the tech wages there are worse than in the UK, at least in embedded software. The weather and cosmopolitan feeling is pretty great though.
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Oct 11, 2021 09:50
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Wolfsbane posted:My wife comes from Cornwall and claims to be able to understand the hot fuzz guy perfectly. On the other hand I had to translate for her when we went up to Newcastle to meet my relatives. My folks are from bath and could understand him just fine. I remember a video did the rounds on SA with a bunch of old Somerset lads chatting about the old days, it was blowing american posters' minds
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Oct 11, 2021 10:02
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Jakabite posted:Jesus imagine winning a million and deciding to live on 20k a year for the rest of your life, I wonder about you lot sometimes I really do I genuinely wouldn't know what to do with much more, if all the usual Big Costs of life were sorted. A fancy car or fancy clothes or whatever hold absolutely no interest for me, I don't like cocaine and other good drugs are p.cheap, and I don't intend on travelling much anymore because of the environment. What else is there?
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Oct 11, 2021 10:04
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Private Speech posted:It's a tricky one with the life goals places. Well yeah there's your problem. Your first issue is the wage. I mean I'd happily go live anywhere if I didn't have to work... I certainly wouldn't choose almost anywhere in the UK though was more my point.
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Oct 11, 2021 10:06
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crispix posted:i enjoyed how outraged the middle clawwses got about mickey carroll back in the day I'm glad he wasn't my neighbour but I did lol quite a bit at the idea of him buying a house in proper jam and Jerusalem country and driving all the prim and proper old dears absolutely bananas by turning his back garden into a racetrack and having insane parties every night. Though iirc he was legit a wrong'un and ended up funding some dodgy loyalist paramilitaries in NI or something?
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Oct 11, 2021 10:07
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Barry Foster posted:What else is there? Big telly and banging speakers.
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Oct 11, 2021 10:14
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Barry Foster posted:I genuinely wouldn't know what to do with much more, if all the usual Big Costs of life were sorted. Nice food, expensive musical instruments and gear, buying toys for your dog. That's about it
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Oct 11, 2021 10:16
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Mebh posted:Well yeah there's your problem. Your first issue is the wage. I mean I'd happily go live anywhere if I didn't have to work... I certainly wouldn't choose almost anywhere in the UK though was more my point. Honestly not sure I could see me moving abroad. I'm far too accustomed to our temperate weather. I'd miss the rain. Hell, I lived in Sheffield for 6 months and missed the rain and it's not like Sheffield is arid (in fact when I moved there in the summer of 2007 they were recovering from serious flooding. Give me a lottery win & I either move to the centre of Glasgow or else one of the villages along the Road to the Islands, Mallaig or Arisaig or Morar or Glenfinnan. Bonnie part of the world.
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Oct 11, 2021 10:17
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new iphone sailing boat sports
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Oct 11, 2021 10:18
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