I see a lot more Kia’s but I think it’s shifting because dealerships are shifting. The Toyota dealership near me now sells Jaecoo, Cherry, etc. and I am seeing tons of the Jaecoo SUV cars around. The Pentagon Vauxhall dealership I bought my car from keeps emailing me about BYDs.
The biggest seller of EVs here is the salary sacrifice schemes that give a huge discount to high earners, especially those with kids.
Imagine you're on taxable income of £120k and have two chidlren in nursery. Currently you get no help with childcare costs from the government. From my own experience it's ~£6000 subsidy per child.
You can currently take out an EV salary sacrifice scheme for ~£600 per month (pre tax), and that brings your taxable income down by £7200. Put another £13k in pension. Boom, you're now getting £13k in pension p/a, and your car is effectively free, because you get £12k back in childcare subsidies.
Your car isn't 'effectively free', because you could sacrifice all £20k into the pension, paying no tax on it, and get the £12k in childcare subsidies because your income is <=£100k. The EV is costing you £7000 pa out of this.
If you're at that income level, your employer pension contribution is already likely high and you've likely been stacking it for a while anyway. At some point there is a diminishing return to how much you should put in your pension too; it's tax on exit after all. You only need 2-3 years of maxed out contributions in your late 20s/early 30s to set yourself up very well for the future.
But how long until those children are no longer in nursery and you are not subsedised for it? In ~2 years you will no longer have this help, you will be paying through the nose for the outstanding amount on your new car, and your take home will be significantly less each month.
Yeah, but you're still taxed at 72% between £100 and £125k if you have a student loan (as most people in that age bracket will be), so even in that case the hit to your take home isn't that much.
There is no need to go that high in salary (a lucky very small minority). The higher income tax band (40%) kicks in at 50k. Salary sacrifice schemes offer huge savings to many people.
What I mean is that if salary sacrifice schemes on EV were only used, and very good deals, for people over 100k then it would be extremely niche as we're talking about the top 4% of earners whereas about 16% are higher band taxpayers...
People on higher salaries are disproportionately likely to be the ones doing it though - much much more likely to work for companies that implement the schemes for a start.
Yes, "higher salaries" as in higher tax band (median salary is 39k, higher tax band starts at 50k), which impacts 16% of people. That's why it has an notable impact on sales and also on the used cars market (salary sacrifice schemes are usually PCP/leasing over 3-4 years).
Perhaps it is the "London bubble" on HN as I feel that no-one is registering that 100k+ is a really, really small minority...
> For a brand new app with no prior context, they move fast. But here’s what they’re all doing: making the most statistically common decision for your situation, not the best one for your situation. They don’t have your context. And your context is everything.
On the flip side, I've worked with plenty of engineers with their own agenda who want to debate the merits of trying new fancy shiny thing on tight deadline project. Taking the statistically common decision is not the end of the world.
Especially when it was £20 to move the whole family (kids were free) to Australia. My great uncle and aunt did just that, after national service he was in business working for Walls ice cream. Took himself and two kids off in early 60s, were in a a Nissen hut for a few weeks til he found a job over there.
Commonly known as the "Ten Pound Pom" scheme [0] which ran from 1945-1972
An incredible return on investment. I bet many ended up with higher wages, better health, better housing etc (though I think about 1/4 ended up returning, at a large expense)
We used bitbucket for years in our academic research group because GH didn't allow private repos. But otherwise it was better to use, so when they allowed that, we made the switch.
It's also difficult for data pipelines or data intensive things. At several companies we've run into the "Need to put ML model behind API and pods get killed because health checks via API are basically not compatible with container fully under load but still working"
If you're using it after it's dead, you're at risk of further problems of this nature that aren't in the underly nginx reverse proxy but in the code wrapping it.
That's one reason I've always used Traefik as my Ingress (I work mostly with K3S, which uses it by default). Which appears to have had its own security issues too, but it still looks like an implementation issue, not a weakness designed in by the spec.
On EKS I'm using whatever AWS has brewed up to integrate ELB/ALB, but I'll tend to trust it ... though maybe I shouldn't, given all the troubles I have with other integrations like secrets management.
My current company has company managed boards, 6000 devs and we have about 250 custom fields. I work in a research team and we only need Kanban and I can't change the issue type if something is created. Hell.
reply