Search found 2358 matches

by swill453
September 14th, 2019, 7:11 pm
Forum: Does anyone know?
Topic: What's this?
Replies: 16
Views: 552

Re: What's this?

Possibly some kind of ballcock thing. There should be a hollow ball in the cage that floats.

Scott.
by swill453
September 13th, 2019, 1:46 pm
Forum: Does anyone know?
Topic: Mobile phones
Replies: 12
Views: 304

Re: Mobile phones

For example, my bank wants to send me a security code by text in order to confirm my credit card payment. What am I supposed to do. Why can’t I get codes by email? Which bank are you with? Any security system I've seen recently has at least one alternative to a mobile phone. Maybe by phoning with a...
by swill453
September 12th, 2019, 8:55 am
Forum: Building and DIY
Topic: Replacement seal for a bottle trap?
Replies: 8
Views: 527

Re: Replacement seal for a bottle trap?

bungeejumper wrote:... this is an ultra-slimline trap ...

Any suggestions from the experts?

Don't need to be an expert ...

:-)

Scott.
by swill453
September 11th, 2019, 3:59 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Carrying a blade
Replies: 9
Views: 449

Re: Carrying a blade

brightncheerful wrote:I shall have to remember not to talk in public about carrying a blade!

You could always simply call it a squeegee or a wiper.

Scott.
by swill453
September 11th, 2019, 3:54 pm
Forum: Pensions - Practical Problems
Topic: USS pension tax-free lump sum
Replies: 6
Views: 298

Re: USS pension tax-free lump sum

Hi Alaric, the crystallised value is summed to the DB pot when it comes to calculate the 25% tax-free lump sum. Otherwise they would not be offering £82,000 tax-free (the total value of the DC being £145,000). However, they want part of the DB pot converted to annual pension so they do not have to ...
by swill453
September 11th, 2019, 9:26 am
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Parking - tandem spaces
Replies: 25
Views: 500

Re: Parking - tandem spaces

A lot of people in our estate seem to value house extensions over keeping the car in a garage. Either converting the garage into an extension, or building an extension in the side driveway, leaving the garage stranded in the back garden. In both cases leaving only the front garden to park their 1-3 ...
by swill453
September 11th, 2019, 8:05 am
Forum: Does anyone know?
Topic: Another Smart Meter query
Replies: 9
Views: 690

Re: Another Smart Meter query

FYI my supplier (Bulb) says: " First generation (SMETS1) Currently, this type of meter can only be read by the installing supplier. But a planned, nationwide program of technical work starting in summer 2019 means we will be able to read these smart meters in the future. If you have a SMETS1 me...
by swill453
September 10th, 2019, 8:29 pm
Forum: Does anyone know?
Topic: Suit cuff paranoia
Replies: 11
Views: 594

Re: Suit cuff paranoia

AleisterCrowley wrote:I said it, HYD didn't

My bad, I got muddled as to whose suit we were discussing...

Scott.
by swill453
September 10th, 2019, 8:16 pm
Forum: Beerpig's Snug
Topic: Big Issue sellers to accept contactless payments
Replies: 7
Views: 552

Re: Big Issue sellers to accept contactless payments

stevensfo wrote:How long before these card readers are available on Ebay and the software hacked?

Well it's been around for over a decade with (as far as I can see) no major issue with fraud, so seems to be at least as secure as other bank payment methods.

Scott.
by swill453
September 10th, 2019, 8:12 pm
Forum: Does anyone know?
Topic: Suit cuff paranoia
Replies: 11
Views: 594

Re: Suit cuff paranoia

What size? (Guessing you are 42/44 Regular) Not sure how you know that but yes, 42R. Er, you said it in the original post! Is is possible that with a linen suit you're not wearing a typical dress shirt underneath? Maybe a short sleeved one? It may be that the suit cuffs feel bigger at your bare wri...
by swill453
September 10th, 2019, 8:08 pm
Forum: Does anyone know?
Topic: Stupidly cheap car hire - how does this work?
Replies: 16
Views: 642

Re: Stupidly cheap car hire - how does this work?

I go to the relevant Tripadvisor forum, there are usually frequently-updated threads on airport car hire. Sometimes there's standout recommendations for a local company (like malagacar.com in, er, Malaga, which I used and would recommend). If there's no specific recommendation I'd then go for the ch...
by swill453
September 9th, 2019, 5:37 pm
Forum: Does anyone know?
Topic: Why are banks and building societies clustered together?
Replies: 8
Views: 636

Re: Why are banks and building societies clustered together?

There is a service called Everyday Banking which allows anyone who has an account with a participating bank to deposit cash and cheques. Nationwide (my bank) is not a participant so I suppose I should switch. Yes, I've always used that. I have no need for a branch of my bank*. * - it doesn't have a...
by swill453
September 9th, 2019, 2:53 pm
Forum: Does anyone know?
Topic: Another Smart Meter query
Replies: 9
Views: 690

Re: Another Smart Meter query

I couldn't find that info, however I did see buried in the T&Cs that we are required to have a smart meter fitted or the contract is ended and we are charged £35 per fuel. https://www.edfenergy.com/sites/default/files/r1269.pdf. It's not exactly buried, it's one of the main bullet points in the...
by swill453
September 7th, 2019, 11:21 am
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 48
Views: 2343

Re: BIG decision to make!

My equity portfolio is unbalanced and skewed towards UK construction and banking stocks. The part of the equity portfolio that was supposed to provide some protection to the UK has been too exposed to Trump's trade war with China. My portfolio is down 20% in the last 3 months but still 12% up year ...
by swill453
September 6th, 2019, 8:41 pm
Forum: Beerpig's Snug
Topic: Think you know about dinosaurs?
Replies: 1
Views: 425

Think you know about dinosaurs?

When a T-Rex was alive all Stegosaurus were already fossils. A T-Rex is closer in time to an iPad than to a Stegosaurus.

- from Twitter.

Scott.
by swill453
September 6th, 2019, 1:01 pm
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 48
Views: 2343

Re: BIG decision to make!

Throwing away compounding indexation of a secure income is a dangerous game, and is why many IFAs will no longer advise on CETV from DB schemes. The possible liabilities from future accusations of miss-selling outweighs the fees they make, so fewer and fewer are now willing to undertake such work. ...
by swill453
September 6th, 2019, 12:02 pm
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 48
Views: 2343

Re: BIG decision to make!

xxd09 wrote:Asset Allocation- have your age in Bonds ie 54. = 54% Bonds in Portfolio

That's only a view, and quite contentious.

I'm 58, with 0% in bonds, retired for 5 years and mostly living off investment returns.

Scott.
by swill453
September 6th, 2019, 10:09 am
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 48
Views: 2343

Re: BIG decision to make!

tjh290633 wrote:I can see the point about the commutation rate, but presumably this combines DB and DC portions.

I would presume it's only the DB portion. Perhaps the OP can clarify.

Also is the DC portion distinct from "My SIPP with H&L"?

Scott.
by swill453
September 6th, 2019, 10:07 am
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 48
Views: 2343

Re: BIG decision to make!

I had a DB pension (smaller than yours) and received a 28 times multiple on the annual payout value at age 65. Anecdotally, a good friend of mine received a multiple of 26 on his (also smaller) DB pension. The multiple offered to you is 20 and on my personal experience only, seems low so definitely...
by swill453
September 5th, 2019, 1:53 pm
Forum: Beerpig's Snug
Topic: Thoroughly depressing
Replies: 130
Views: 6414

Re: Thoroughly depressing

XFool wrote:Question there is: Is the higher initial cost of efficient bulbs offset over their lifetime in saved electricity costs due to that efficiency?

Cost to you, or cost to the planet?

Scott.

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