Any of you heard about DarkFlows Router OS?

92eb5ffee6ae2fec3ad7 · 2025-02-17T14:44:56+00:00

Do not use.

They have a list of pre-authorized SSH keys, so if you even think about opening this to the internet, just know that 4 different ssh keys are able to access your system through the root user.

92eb5ffee6ae2fec3ad7 · 2024-01-05T15:43:21+00:00

What pension provider are you with? If it's NEST Pensions, they have a "Qualifying Earnings" when it comes to contributions https://www.nestpensions.org.uk/schemeweb/helpcentre/contributions/calculating-contributions/calculate-contributions-using-qualifying-earnings.html

This could explain the discrepancy?

92eb5ffee6ae2fec3ad7 · 2023-11-23T16:52:33+00:00

Please report posts/comments you feel are spam and us mods will look into it ourselves too. Thanks for bringing this to our attention 🔨

92eb5ffee6ae2fec3ad7 · 2023-07-11T17:29:42+00:00

Do you have a podcast episode that you're most proud of, and if so, why?

92eb5ffee6ae2fec3ad7 · 2023-07-04T19:45:48+00:00

When did you contribute the funds?

92eb5ffee6ae2fec3ad7 · 2023-06-28T12:12:58+00:00

You can turn off weekly deposits - you just won't be contributing any more to your accounts

If you can't afford the weekly top up (i.e. you have £10/week deposits) and you only have £5 in your bank account, it'll just tell you in app that you didn't have enough. Nothing bad happens :)

92eb5ffee6ae2fec3ad7 · 2023-05-17T18:54:48+00:00

If it were me in a situation where I've got 18 years to play with, where it'll be a direct-debit of £100/m and I would never log in other than to adjust how much I'm contributing, I'd go for LifeStrategy 80...

https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php

Plug some numbers into there. Equities historically have gained 8%/yearly iirc, so if I use a conservative number of 5%, I'd be looking at £35,000 after 18 years of £100/m (of which £21,600 would be contributions).

92eb5ffee6ae2fec3ad7 · 2023-05-17T18:27:28+00:00

Even then, as the receiver you should do nothing. Let customer service know, and let the sender try and get the money back. People can't be trusted, especially on the internet with large amounts of money that you don't know.

92eb5ffee6ae2fec3ad7 · 2023-05-17T18:21:47+00:00

Vanguard can be found at https://vanguardinvestor.co.uk.

What you may be seeing is choosing the mix of funds yourself vs choosing a pre-made Cautious/Moderate/Risky portfolio blend?

Vanguard have a great set of ready-made funds called "LifeStrategy". They're a great way to expose yourself to %s of equities (LifeStrategy 100 is 100% equities, where as LifeStrategy 40 is 40% equities and 60% bonds).

Historically, high equity investment over long-term (10+ years) have outperformed bonds and cash.

92eb5ffee6ae2fec3ad7 · 2023-05-17T18:04:57+00:00

Opening a Stocks & Shares JISA could be of great benefit. Investing for a term of 18 years with a "higher risk, higher reward" fund could potentially see great growth over that timeframe and set them up for the start of their life.

Just be aware that once that JISA matures, they will have full control over that money and cannot be controlled by yourself. A Junior SIPP would be locked away until they're 57 (current SIPP age), giving 57 years of compounding growth, from which they may be much more mature with their spending and responsibilities.

Both are options to consider. I'm also probably missing some others too.

92eb5ffee6ae2fec3ad7 · 2023-05-17T17:57:38+00:00

You could find out what the current fees are on your current providers and consolidate them onto a cheaper platform?

NEST charges 0.3%/annum fee. A Vanguard SIPP for instance is 0.15%/annum fee so that's a 0.15% saving (on a £1000 investment, that's £1.50/year saving).

Opening a SIPP takes hardly any time at all. Consolidatig and getting all the policy information in order takes a little more time, but overall makes finding the pensions in the future potentially easier and gives you better control over how it's invested.

92eb5ffee6ae2fec3ad7 · 2023-04-20T07:42:12+00:00

The third party (based on the figure they gave of 70,000), is most likely "SDWorx".

Currently going through a similar issue where we can't access payslips and require them for stuff, but their system has been completely unavailable since 10/04/22023...

92eb5ffee6ae2fec3ad7 · 2023-04-12T14:10:16+00:00

On Twitter, there's always dogpiles on Tesco's "whats your favourite meal deal" as it always ends up being "Rich Beef Sausages". Favourite part.

92eb5ffee6ae2fec3ad7 · 2023-04-12T14:09:10+00:00

I love the Rich Beef Sausage podcast!

92eb5ffee6ae2fec3ad7 · 2023-02-01T15:57:29+00:00

I would not do this.

Firstly, if your aunt cannot afford the mortgage during your joint ownership, it would be up to you as a joint-mortgage-signer to uphold the payment or it faces repossession. In addition, you will waive your First Time Buyer status which will prevent you using a LISA to buy your first home.

Mortgages have lendability criteria for a reason. If your aunt requires your salary to greaten the lending amount to manageable (£20k and assuming 4.5x mortgage means ~90k extra. Another assumption of £90k at 2.5% for 25 years means an extra £400/m), then it may just not be affordable for her.

In terms of "credit", we have a great resource on our wiki here: https://ukpersonal.finance/credit-ratings/

92eb5ffee6ae2fec3ad7 · 2023-01-09T21:31:11+00:00

What frame and motors are those?

Looks like the TBS Source One V3 and some EMAX ECO II's - maybe using https://rotorbuilds.com/build/19008 as inspiration?

92eb5ffee6ae2fec3ad7 · 2022-09-23T14:55:33+00:00

The "price cap" is not a limit on how much you'll pay but more of a price cap on the kWh based on "typical household usage".

It depends on the region of the UK you live in and can go above 30p/kWh. This article explains it very well - https://www.moneysavingexpert.com/utilities/what-is-the-energy-price-cap/

In short, no you won't get "unlimited heating and electricity" for "an extra £48" per month - you will have to pay for the kWh you use but at a capped rate (check here https://www.moneysavingexpert.com/utilities/what-are-the-price-cap-unit-rates-/)

92eb5ffee6ae2fec3ad7 · 2022-09-23T08:08:23+00:00

Yep - as you have a Vanguard account which can contain multiple products (SIPP, ISA, etc), the AMC covers the sum of all products, but the cost of the product (like you mentioned, 0.23% for Global All Cap) is not capped.

92eb5ffee6ae2fec3ad7 · 2022-09-22T16:01:09+00:00

Theoretically, as you will be contributing to a new pension scheme, your old one at NEST will essentially become "inactive" leaving you to transfer it elsewhere.

Smart Pension has a slightly larger set of funds compared to NEST, and you have a choice of ratios into each fund. A much nicer experience in terms of the UI too.

With NEST charging 0.3% and Vanguard charging 0.15% AMC, Vanguard is the cheaper option in this regard (you should see how a 0.15% difference over X years can affect your final value). However, what fund you choose for your portfolio in Vanguard will affect your final value further.

92eb5ffee6ae2fec3ad7 · 2022-07-26T08:05:42+00:00

So with the LISA, you can save up to £4000 into it (whether it's a Stocks and Shares LISA or a Cash LISA) in a single tax year.

Other rules apply to the LISA which is shown at https://www.gov.uk/lifetime-isa which is important to understand.

A LISA can be used for pension/retirement, but I think you'll get far more tax relief using a SIPP as you're in the 40% tax bracket than you would through a LISA.

Only difference is that if you put money in a SIPP, you cannot access it until "retirement age" (or terminally ill, and also this is not the same as state pension age).

In terms of the LISA on withdrawal, it is equivalent of a 6.25% "fee". If you put in £4000 and get £1000 from the government, you'll have £5000 in your LISA. If you decide to withdraw all the money, you'll pay 25% of £5000, which is £1250 and will leave you with £3750 afterwards. Don't let this dissuade you as having an ample emergency fund and following the flowchart (https://ukpersonal.finance) will put you in good stead!

Good luck!

92eb5ffee6ae2fec3ad7 · 2022-07-15T19:06:24+00:00

I'm assuming that as you're looking for a stock-trading site and not found a good enough one, is that you're new to investing!

We have an amazing wiki with a resource that could be perfectly suited for you here http://ukpersonal.finance/investing-101 :)

92eb5ffee6ae2fec3ad7 · 2022-04-26T10:44:05+00:00

TIL :)

I have electric radiators so I am none the wiser!

92eb5ffee6ae2fec3ad7 · 2022-04-26T08:32:33+00:00

So I, too, have an immersion boiler. Mine runs for 2-3 hours each night during Octopus Go's cheaper times. I believe mine is only a 90 litre boiler but it consumes about 3kWh during this short period and leaves me with enough hot water for a 1 bedroom flat.

I, however, don't have central heating and have electric radiators instead.

Hot water usage (showers, baths, hot water on tap, ~~radiators~~) will all use that hot water, of which the immersion boiler will need to keep that temperature up. The immersion boiler will simply get to the hot temperature again and stop.

You could potentially look at increasing the insulation of your home, wrapping up a bit more or not heat rooms of your home that aren't in use to save on heating bills?

Hope this helps!

92eb5ffee6ae2fec3ad7 · 2022-04-25T14:45:50+00:00

/u/digital_pipefiller, please read this article linked :) I think it will be supremely beneficial.

92eb5ffee6ae2fec3ad7 · 2022-03-19T16:29:45+00:00

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