• 38 Posts
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Joined 1 year ago
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Cake day: June 21st, 2023

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  • Yeah, beware being insured for market value vs agreed value, especially if your car is in good condition, low kms etc.

    I always play with the agreed value sliders, and for my car, it’s little extra cost to have it insured for it’s real value vs the ‘average’ market value.

    Note also that the market value will usually continue to decline throughout the year. So, eg, using the example above, the market value might be $7500 now, but $6000 in another year.


  • Yeah, beware being insured for market value vs agreed value, especially if your car is in good condition, low kms etc.

    I always play with the agreed value sliders, and for my car, it’s little extra cost to have it insured for it’s real value vs the ‘average’ market value.

    Note also that the market value will usually continue to decline throughout the year. So, eg, using the example above, the market value might be $7500 now, but $6000 in another year.


  • Those at the top of the inequality are probably very happy, but I was being a bit sarcastic. The vast majority in the middle and lower end are losing out badly.

    The inequality continues to widen.

    And now they are saying - shock horror! - that the satisfaction with democracy (or rather democratic institutions) is slipping.

    Vote in party A. Things get worse. Vote in party B. Things get worse. Let’s vote in party A again. Oops, things got worse. Well, let’s give party B a go. Nope - worse again.
    People: iT mUsT bE DeMoCrAcY tHaT’S tHe PrObLEm!!

    Conclusion: Inequality is eroding satisfaction of democracy!

    Did they allow for other factors that erode faith in politics/government? Like, idk, corrupt politicians? Kickbacks after leaving office? Blatant lying? Causing death, pain and destruction to thousands, a la Robodebt?

    I haven’t bothered to look at this ‘study’ but I can smell the ‘correlation does not mean causation’ from here.

    I think I’m a bit pissed off, because we’re spending money and time on ‘strengthening democracy’, when even their ‘conclusion’ says they should be spending it on closing the gap and reducing inequality.


















  • Not necessarily frugal advice, but if somebody is a bit of an expert or even hobbyist in something and you are not, don’t buy them something in that area unless it’s something specific they have told you they like or that they want.

    Eg, if they like chocolate, don’t just go buy Cadbury. No offence to Cadbury and Cadbury lovers, it’s just an example that some people might love Cadbury and eat nothing else, and others might hate it. You might go out and spend $X on a fancy brand, when that’s one that they hate, and actually prefer a cheaper one.

    Sure it’s the thought that counts. But there’s levels of thought, and shallow thought can be borderline offensive.

    Eg, I’d way prefer some of the fantastic, unique and personal ideas here than get an expensive gift of a bottle of X, that I’ve probably already tried, and have settled on what I like.