032 Mendicant Bias

Don’t want to discredit your experience but…

Me and my wife visited Copenhagen for a short city break back before we were married (and before we had much money). People were very welcoming. For example, we visited a small wine bar and could only afford the very cheapest option, the owner did not care at all and happily hosted us for the duration. Same at the coffee spot across from the hotel - guy there helped us get our bearings.

Now, that’s not particularly noteworthy compared to other places in Europe that we’ve visited, but we definitely never felt unwelcome. The only issue I had with Copenhagen is a me-issue, I’m not a seafood person at all, and that’s a huge part of their cuisine. I’m fact, that’s a recurring issue for me. Love food, but not seafood! But then love places that love seafood! Argh!

Now we know why he’s keeping Elon around, he needs a lift.

Similar price for a lifetime Plex pass (until end of April)… just saying…

What paid content? I have a Plex lifetime pass and I can’t recall ever being asked to pay for anything? I can remember them dumping free TV channels in there at some point, but I simply switched that off and it’s not come back.

From reading the article, sounds like you’re situation won’t change.

I’m not sure where you’re getting that from, the article literally states the price hasn’t changed in 10 years, and still hasn’t, but it finally will on the 29th of April.

This tracks with my experience as it’s probably been 10 years since I bought the lifetime pass and here in the UK it’s often on sale for basically the same price (about £75 if I recall).

http://news.bbc.co.uk/1/hi/entertainment/7174760.stm

I’m close to paying mine off so I will weigh in here.

Probably best to avoid “lifestyle creep”, this is money you haven’t had before now and it should probably be put straight into some investment, a stocks and shares ISA for example, or to overpay the mortgage (or save for deposit, so I guess that’s LISA these days). I’m assuming since you’re actually able to pay it off then you must be on decent money and you won’t “need” the extra couple hundred quid a month.

Other thing to realise is that the 9% over whatever amount you’ve been paying back was after tax. So I think there’s some decent argument to be made that you’re leaving money on the table if you don’t instead redirect a larger portion of your gross salary into your pension via salary sacrifice. Then instead of paying the tax man you instead significantly increase the contributions to your private pension.

I’m guessing the UK financial advice sub (or I guess “com” if there’s one here on Lemmy, sorry, I’m new here) would be a good place to ask.

Any recommended reading for pass keys to get me up to speed? I use Bitwarden and have been happy enough with just passwords via that for a long time now. Only time I’ve seen pass keys mentioned really was Google trying to push it on me but I don’t use their password manager.