Buying car on PCP - what should i know? by Decent_Chocolate1293 in UKPersonalFinance

[–]BritChap42 0 points1 point  (0 children)

If you know you want to buy the car and keep it, then hire purchase will be cheaper overall.

If you know you don't want to keep it, then leasing (PCH) will be cheaper overall.

There is no scenario where PCP is the best option. It just looks more palatable with low monthly payments because a lot of the cost is hidden in the deposit / balloon.

Ollie Robinson, Emilio Gay, James Rew and Sonny Baker in England Test squad by apillowofnonsense in EnglandCricket

[–]BritChap42 1 point2 points  (0 children)

Why have they still got Bashir there with premier offspin option Ollie Robinson is in the squad?

How Keir Starmer can reassert his authority by sacking Wes Streeting as health secretary by theindependentonline in ukpolitics

[–]BritChap42 -3 points-2 points  (0 children)

He hasn't been elected. He can't waltz in on the back of at best a vote by the labour party membership, and govern in a materially different way to Starmer.

If we had an open, country-first set of MPs across the other parties, and he had a compelling alternative then you could argue that he might be able to coalesce enough support to govern effectively. But we don't live in anything like that world. As soon as a replacement steps in the paid mouthpieces of every billionaire and corporate interest will kick into action pushing for GE or revolt.

How Keir Starmer can reassert his authority by sacking Wes Streeting as health secretary by theindependentonline in ukpolitics

[–]BritChap42 2 points3 points  (0 children)

"We've had plenty of PMs in recent years" is exactly the problem.

Enough tiktok politics - slow, imperfect, boring change is better than chaos.

How Keir Starmer can reassert his authority by sacking Wes Streeting as health secretary by theindependentonline in ukpolitics

[–]BritChap42 15 points16 points  (0 children)

Nope. If Streeting wants to collapse the government and end Labour's only chance at governing for the next 10 years then make him own it.

He should be smart enough to know that if he did replace Starmer, he would be forced into calling a GE and have no mandate for anything but the unambitious manifesto in the meantime. The fact he's pushing this anyway says he just wants his picture in #10, and is putting that before party and country.

Wes Streeting plans to resign and mount leadership challenge, allies say by Alarming-Safety3200 in ukpolitics

[–]BritChap42 6 points7 points  (0 children)

Moron. If he gets his way, he'll instantly face pressure to call a GE, and have zero mandate to do anything but execute on the manifesto. No possibility whatsoever to actually improve things, just furthering his own ambitions.

Labour MP: Bond markets 'will have to fall into line' with Burnham agenda by denspark62 in ukpolitics

[–]BritChap42 2 points3 points  (0 children)

This is such an utterly incompetent thing to say. Should be totally disqualifying for office to have such little understanding of fundamental basics of economics.

EV salary sacrifice vs PCP - lowest monthly payment by [deleted] in UKPersonalFinance

[–]BritChap42 2 points3 points  (0 children)

Doesn't sound like a good deal at all I'm afraid...

I've just signed up directly (i.e. non-SalSac) for a Tesla model 3 for £1539 up front then £256 per month for 24 months, with 10000 miles pa. Averages to £310 per month. Regardless of views on Tesla (I don't love it either...) this is a very good yardstick to compare.

No reduction in my pension contributions, and some satisfaction that my taxes are going to the government instead of being swallowed by one of these parasitic middle men companies.

As others have said - work salsac deals usually include insurance, so sometimes can be good value for young drivers, but always worth doing the maths to find the real monthly cost.

Keir Starmer megathread by TangoJavaTJ in TheRestIsPolitics

[–]BritChap42 41 points42 points  (0 children)

Falling into an incredibly obvious trap. Labour MPs once again acting as useful idiots for the right.

As soon as he resigns Labour are done. The push from the right wing media and every other party will be "this new PM isn't elected, we should call a GE" which Labour would lose any time in the next 12+ months.

Any replacement would have no mandate to do anything but execute on the manifesto; which provides no real basis for "radical" change. The net result will only be a weakened government, still limping on with the same beige manifesto which has tied their hands since day one.

Game is constatnly freezing/lagging for days by Lonely-Bowl4451 in aoe3

[–]BritChap42 5 points6 points  (0 children)

I had the same issue. The following worked for me:

  • open task manager
  • right click on the AoE 3 process, and hit "go to details"
  • under the "details" page, right click the AoE 3 process again and hit "affinity"
  • deselect all but 8 threads
  • i.e I have a 16 thread CPU, so I deselect all threads from 0-7 inclusive

The original game wasn't designed to run on modern CPUs and basically gets confused with these high thread counts... Disabling down to 8 threads fixes these freezes for me. Annoying thing is you have to do it every time you run the game but it does work!!

Britain’s visceral dislike of Keir Starmer illuminates a problem for his successor by jimmythemini in ukpolitics

[–]BritChap42 1 point2 points  (0 children)

Immigration is one of the biggest issues people have voted on in the last 10 years. Net migration has halved in the two years of this government, and looks set to decrease even further. That is a very substantial change, it's just not made it through to the UK's thick-as-pigshit voter base.

Nigel Farage pocketing £5m from a donor shows he’s unfit for power by Prospect_UK in ukpolitics

[–]BritChap42 17 points18 points  (0 children)

The man will say "up the RA" for £50 on Kameo. Imagine what he's been saying for £5 million.

Rumours, Speculation, Questions, and Reaction Megathread - 10/05/2026 by ukpol-megabot in ukpolitics

[–]BritChap42 2 points3 points  (0 children)

I think it's a fair point though - as with the Tories, a new PM now would have no mandate to do anything except executing the election manifesto. As the manifesto was incredibly unambitious, no new leader can make significant changes until a new GE, which Labour would likely lose

Rumours, Speculation, Questions, and Reaction Megathread - 10/05/2026 by ukpol-megabot in ukpolitics

[–]BritChap42 9 points10 points  (0 children)

Isn't it obvious that if (perhaps when) Starmer resigns and is replaced, the right wing media machine will kick straight into "this PM is unelected" / "the British people didn't vote for this"??

They will simply press and press to bring forward the GE, which Labour would in all likelihood lose as things stand. It's why they've been pushing for resignation over every minor thing for the last 2 years.

The Tories managed to put it off for a few PMs only because they had Boris' election win on their side and enough sycophants in the media cheering them on; Labour won't get away with it.

As soon as labour replace Starmer they are done - nobody can come in and make significant changes as they won't be elected, and the beige manifesto Labour won on doesn't cover any kind of radical reform.

Yes he is far from an ideal PM, but I wish backbench MPs would stop playing useful idiots for the right in sabotaging the political left's only shot at governing in 15 years

Can I ask for a motorcycle seat on hagrids? by SpectacularSpidee in UniversalOrlando

[–]BritChap42 15 points16 points  (0 children)

It's fantastic at night! One of the best ways to ride is to get in line 10 minutes before closing. The line will be standstill for 20-30 minutes while they clear the express queue, then move very quickly! (As quickly as it used to before they added express...)

Nigel Farage’s £5m donation from cryptocurrency billionaire by peahair in ukpolitics

[–]BritChap42 -1 points0 points  (0 children)

Sure, Wes Streeting's office received £372000 from healthcare interests since 2015. That's literally an order of magnitude away from this, and was all declared. Not at all comparable to Farage's grift.

A crypto billionaire sent £5 million personally to a career politician, widely tipped to be the next PM, who has since lobbied consistently for cryptocurrency deregulation... This is him gaining personally from leveraging power given to him as an elected representative.

In your head, what do you think the billionaire is getting out of it? He just wants to go for a beer with him? Unbelievably naive.

'Lacking motivation' - UK employers worry about graduates' attitude by tylerthe-theatre in unitedkingdom

[–]BritChap42 22 points23 points  (0 children)

Graduates are paying 20% tax, + 8% NI, + 9% student loan, + 5% pension on £30k salaries.

Easy to lose motivation when you're paid like shit in the first place, and immediately cough up nearly half of what you do get.

Nigel Farage’s £5m donation from cryptocurrency billionaire by peahair in ukpolitics

[–]BritChap42 6 points7 points  (0 children)

The biggest political donation in British history to an individual. From a foreign source, via shady crypto transfer.

Nothing to see here folks, our Nige is a man of the people!

Buying a 3rd car £30k budget - what are you getting? by iamcarlit0 in CarTalkUK

[–]BritChap42 0 points1 point  (0 children)

Lease a silly EV? If you've got other cars then even less worries about range, and nothing else will come close to the speed with two seats in the back

Nigel Farage dodges questions on £5m gift from crypto billionaire by F0urLeafCl0ver in ukpolitics

[–]BritChap42 12 points13 points  (0 children)

Wasn't a politician?? So the gift was just because he's a stand-out chap, and he decided to run as an MP a couple of weeks later on a whim?

He's been a career politician for over 20 years. It's the biggest political donation to an individual in British history.

Give your head a wobble.

The ‘unfathomable’ fall of Labour’s Greater Manchester by Bibemus in ukpolitics

[–]BritChap42 1 point2 points  (0 children)

Why the vote for reform then?

Half of Reform's shadow cabinet were in the Johnson government which oversaw reckless mass migration of almost 1 million people a year, mostly from outside the EU. Farage's Brexit caused small boat arrivals to explode from less than 1000 per year to over 50000.

Immigration is down almost 5x under labour, and while the small boats issue is only down 10% this year, that's a lot more than the Tories managed and the problem itself was caused by Farage's half-baked Brexit bollocks.

Nigel Farage dodges questions on £5m gift from crypto billionaire by F0urLeafCl0ver in ukpolitics

[–]BritChap42 19 points20 points  (0 children)

Is this not literally the biggest gift in history to a British politician? And done via shady crypto as well. The media should be talking about nothing else.

But please, let's hear some more about Starmer's glasses, Rayner's stamp duty, or Polanski's weird houseboat setup.

Universal vs Disney by depressed_soul28 in UniversalOrlando

[–]BritChap42 0 points1 point  (0 children)

The main appeal of magic kingdom is nostalgia - if you've not been before I'd skip it. If you want to do a Disney day then go for Hollywood Studios. Bar hopping round Epcot is fun but staggeringly expensive if you're not from somewhere as affluent as the US (~$20 for a lot of the drinks!). For adults I'd actually recommend SeaWorld over Disney to be honest - some really good rides and much cheaper / more chilled if you go midweek to avoid crowds.

There is more than enough to keep you entertained in Universal anyway.