My use cases are pretty specific - but if you want an AI to go away and read (e.g.) FCA rulebooks and synthesize the current state of regulation on a topic, complete with references to the specific rules, Claude Opus 4.7 is pretty epic. It is also now attuned the fact that I check its homework…
Liberals are always disappointed when voting for illiberal parties I’m afraid
…and it would have been forgotten by now (and no more unpopular than winter fuel blah blah)
On reflection, I think post the Robbins appearance, KS will have to resign — OR torpedoed the government’s line to the HoC in three crucial regards.
Perhaps it’s in the lost WhatsApp’s…
If Robbins *had* mentioned to McSweeney that “DV threw up a couple of things, but I used my discretion to put in place some mitigations and we’re now good to go”, is anyone suggesting the response would have been anything other than “good job - thanks for unblocking the pipework”
If Robbins *had* mentioned to McSweeney that “DV threw up a couple of things, but I used my discretion to put in place some mitigations and we’re now good to go”, is anyone suggesting the response would have been anything other than “good job - thanks for unblocking the pipework”
A a deeply superficial knowledge of evolution and genetics, coupled with a deep and comprehensive ignorance of statistics…
Aaaaaaaaaaah!
Yet more unevidenced biological determinism. It’s almost like… …eugenics
That’s the next step. We’re also on an EV tariff, so day/night price arbitrage makes the battery payback very fast, even without solar.
Didn’t know this - yet another reason why LPG is a no-no.
In other Ed Miliband news… the Boiler Upgrade Scheme (heat pump subsidy) is going up from £7,500 to £9,000 for homes in rural areas that rely on oil or LPG.
Given the spike in heating oil prices, and how good an option heat pumps are in rural areas, this is a good idea
Alas, our structure is 200 years old with low windows and we just couldn’t fit the larger radiators (which I suppose would have looked awful anyway). At least we will have warm floors!
(We are currently in the process of moving to ASHP - but that also involves moving of the house and replacing all the floors with underfloor heating. £9,000 will… …not cover this)
It’s also the form of heating with the most extraordinary volatility. When we moved in, fuel oil was 17p a litre. It’s now a 100p a litre. Cost for 2,500 litre tank winter’s worth of oil has risen from £425 to £2,500. If that happened to urban gas users there’d be rioting in the streets…
This is Spurs title challenge.
Well that’s shit: sorry to hear than and commiserations
And then the references are checked. And if they don’t check out, job offer rescinded…
Thou speakest aright methinks!
And, FFS, 1635 isn’t “Hamnet era”, any more than we are all now currently being amazed by grunge…
Up to a point - the professionals can only manage a fund for the benefit of the average investor - average health, average income, average housing need, average number of kids, average tax planning, average risk appetite… if you’re that person: great. If not, take advice and act differently.
In many cases there’s a case for some sort of earlier withdrawal because a market fall 24 months before retirement may not be recoverable in that frame, and also because people change their mind and circumstances unexpectedly. Having said that, my own approach is much closer to your suggestion🤣
Very few - so defaults need to be much more throughly thought through. Ultimately workplace pensions need a “through solution” default that goes through retirement as well, rather than just dumping a pot on people at 67, invested on a median assumption.
I don’t think there’s any case for it if your aren’t buying an annuity: switching to a fixed income portfolio is entirely sensible to derisk an annuity outcome in retirement if you are. If you aren’t, you risk a complete disaster if (for example) Liz Truss comes to power just before your retire…
In that situation you need to maintain higher levels of long term equity risk in the portfolio to sustain returns over a potential 30 year retirement. So people need to be thinking quite carefully 10+ years before retirement what that means for them, and adjusting portfolio strategy accordingly 2/2
Lifestyling that involves a shift to fixed income in later years is perfectly sensible if you will be using the pension to buy an annuity: any fall in bond markets should be matched by cheaper annuities. But in a world where people are opting instead for drawdown, Lifestyling is crazy. 1/2
Merlin bird ID app output, with Wren, Blackbird and Nightingale emphasised.
I feel for you. Deafening here - these are the worst offenders! ❤️❤️❤️
Honestly, if you could afford as a parent to put £2,880 a year into your child’s SIPP every year from birth, it’s the best investment ever.
You should do Egypt, especially because (IMV) you’ve been to India, and seeing a living polytheistic culture makes Egypt far more comprehensible.