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I don't know why it's called a SIPP - it's not really managed by me. It's a fund managed by the company my employer use
In principle you can usually choose between a few funds, but unless you actually want to manage it yourself, the default is usually some "lifestyle" fund that starts drawing down from equities to fixed income to cash as you get closer to your target retirement date.
I've generally stuck with those default funds because:
- The website and the information available are often both appalling (so it's hard to figure out whether the alternatives would actually be better)
- I can't be arsed, and it seems pretty unlikely I'm going to come up with a better scheme than the default unless I give up the day job and do it full time
I might change my mind about #2 if there's another massive recession just as mine start drawing down, but then again I might be too busy scavenging in bins to worry about it.
- The website and the information available are often both appalling (so it's hard to figure out whether the alternatives would actually be better)
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So the calculator just needs to know future interest rate movements, your risk appetite, and what cashflow & liquidity requirements you're going to have in the future 😅
You could probably build something that would show all those things plus tax paid, for different splits and interest rate curves, but I feel like the amount of data you'd have to type in first would discourage most users.
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For (a paywalled) example: Britain's inflation pain is mostly self-inflicted and getting worse:
Britain is an outlier, and not in a good way. Core inflation both in America and the euro zone, though still high, has been ticking down gently ...
Among the G7 countries, none has higher inflation than Britain. Only Italy comes close, with a headline rate of 7.6%. Even its trend, unlike in Britain, is firmly downwards.
... it is clear inflationary pressures are overwhelmingly the result of decisions taken at home.
Old excuses that it is imported, because of war, snarled-up supply chains or high global food prices, no longer wash. The rate of services inflation, overwhelmingly a domestic factor, rose in May to an annual rate of 7.4% from 6.9% previously.
Britain stands out for the stimulus it gave to the economy in the pandemic and then, last year, during the energy crisis. ... Only America doled out a bigger stimulus. Britain heavily outspent other peers: around 23.1% of national income, vastly more, for example, than the 13.3% in France.
Those setting monetary policy are also to blame. In hindsight, they were too cautious. ...
Easy policy combines with a weaker supply side. Again, Britain stands aside from its peers (again, in a bad way). Labour-force participation remains below its pre-pandemic level. One portion of missing workers are those—perhaps half a million more than before—too sick or tired to seek work. EU workers are also missing. And whereas, post Brexit, non-EU migrants have poured in, many are refugees or students, not full-time workers.
So roughly, the US has had equally cheap money and a larger COVID stimulus, but they haven't simultaneously cut off their main source of economic migration. Also their mortgage and housing markets are explicitly backstopped by their government, resulting in generally cheaper mortgages, with long fixed terms, which are much easier to get out of.
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Pertex-with-no modifiers isn't similar to Goretex at all, and neither IIRC is the Pertex Quantum used in the wind jacket. The worst thing likely to happen to these is that they won't breathe well if the weave is clogged with oil, or they'll wet out faster if the DWR is affected.
The Pertex Shield in the rain jacket is 3-layer, so could possibly delaminate.
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If it's for undemanding games anyway, you could get a Steam Deck and a dock for that. It'd have more RAM and optional portability...
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I actually have a longer tube somewhere - it came with a shallower drip tray.
Unfortunately the drip tray itself was 3D printed and didn't survive a trip through the dishwasher.
... turns out that drip tray is still available, now more durable than the one I destroyed, and that you can get the tube on its own from here:
https://www.shadesofcoffee.co.uk/stainless-steel-long-vent-tube-6mm-od-x-5mm-id-x-158mm -
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So when I type define racism into a search bar, I get:
prejudice, discrimination, or antagonism by an individual, community, or institution against a person or people on the basis of their membership of a particular racial or ethnic group, typically one that is a minority or marginalized.
Racial prejudice is racism. That's exactly what it means.
Yes, it's often used as a shorthand for the specific collection of prejudicial, discriminatory and antagonistic behaviours aimed at black Americans. That's not a great basis for telling someone the racism they suffer isn't really racism like the racism you suffer.
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Well, there's a lot of risk if LawGPT generates a flawed but plausible-looking contract, so I imagine people will still want a human to check the results even if they don't have to spend time drafting it.
The lower echelons of journalism seem like a soft target, which is probably why journalists are so exercised. Reformatting press releases into house style, writing articles about things you saw on Twitter, and composing listicles. All bullshit, and all probably automatable, but it's not clear what the career path for new journalists will be if those dry up.
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LG DualUp is the only one a search finds, but you could just stack two normal 2560x1440 displays on a stand if you can find ones with bezels you don't object to.