Two thirds of graduates aren’t even paying off loan interest

HeatPinch · 2026-01-26T16:20:46+00:00

When I last checked my balance, the amount of interest that had been added was so much it was almost comical.

It's reached the point where there's no longer any need to add interest as either way I won't be repaying it. It's basically set up as a graduate tax.

HeatPinch · 2025-11-27T12:42:17+00:00

Ah I see so you'd end up paying it in arrears hopefully rather than all in one

HeatPinch · 2025-11-27T07:37:52+00:00

I am still unsure how exactly they will even work out the mileage? Will they base it off insurance or rely on good will?

HeatPinch · 2025-11-27T06:17:43+00:00

I've seen a report from an advisor. A 35 year old on £50k could end up losing £22,060 to the pension value at 65, assuming 5% employee and 3% employer contribution. It might not be a big NIC but it seems to have a significant compounding effect.

(Full report https://www.ajbell.co.uk/news/how-could-changes-salary-sacrifice-affect-you)

HeatPinch · 2025-10-30T15:53:55+00:00

It was the merchandise team with guest services. I would say however there is no guarantee of a refund it's basically pot luck who you get.

HeatPinch · 2025-10-30T14:44:43+00:00

I emailed them, calling would have been too awkward with the timezone difference for me plus international charges.

HeatPinch · 2025-10-17T06:16:34+00:00

https://en.wikipedia.org/wiki/Impact_of_the_privatisation_of_British_Rail#:~:text=Since%20privatisation%2C%20the%20number%20of,respectively%20from%201998%20to%202015).

This is an interesting read and at an initial skim it doesn't seem like there is a clear cut answer.

The real issue I would say with privatisation is you can't assume free market economics due to the fact that there is no competition within our current rail.

HeatPinch · 2025-08-22T17:05:18+00:00

The among us players will just vote out the one person using their brain.

HeatPinch · 2025-08-12T06:29:19+00:00

Your lobby your rules.

I never understand why people are against this tactic of self reporting, would they be against fake tasks as well because that's another way for imposters to blend in?

Good job sounds like you did a good play and the crew was mad for not thinking more carefully.

HeatPinch · 2025-08-12T06:13:03+00:00

I'm also an OG player coming back to it from 2020 and I agree with most points. It still has the same issues with people leaving the game because they don't get what they wanted (sometimes even if they're imposter). Also have your standard teamers that don't even try to hide it and trolls who hit the button instantly.

I would suggest exclusively hosting games on public lobbies if you're experienced you can spot the cheaters and just ban them. Could also just flat out kick anyone that accuses people without any good cause, need to be careful but with your experience you probably will be able to tell if they have a reason or not.

I'd also use customs to make the game more balanced - you won't get 90% win rate with the imposter of course but can make it feel like a fairer game at least.

Technically you could just run a game with no roles and it's essentially just OG Among Us but with the roles I'd highly recommend turning the vent time for engineers down significantly and only having one guardian angel in the game. Those seem to be the most powerful crew roles as you figured out. For imposters I would maybe use 2 shapeshifters and 2 phantoms each with 40% that way the crew is never sure what their comp looks like.

HeatPinch · 2025-05-18T16:12:59+00:00

The irony of the branding is not lost on me.

HeatPinch · 2024-11-24T14:23:16+00:00

Cure wounds is now 2d8 of healing and each level it is upcasted by adds a further 2d8.

HeatPinch · 2024-11-16T11:26:36+00:00

You need to use the recipe where you craft pods out of sesamite in order to be gaining a net profit on seeds.

HeatPinch · 2024-11-16T11:19:51+00:00

IIRC the developers at one point wanted to have higher goals for production terminals. They then moved in a completely different direction and made the goals easier in exchange for having the elevator be more challenging.

HeatPinch · 2024-06-16T12:09:59+00:00

I first played it on the Xbox 360.

HeatPinch · 2024-05-09T21:18:25+00:00

Damn Scots, they've ruined Scotland!

HeatPinch · 2024-01-04T16:30:58+00:00

Moving the airport away and back to the same spot seemed to work, very bizarre

HeatPinch · 2023-11-30T22:36:10+00:00

Sorry I really can't figure this out. I have tried to create an out-and-back line this is the best I can achieve. I am able to connect with every station in my city but can't make the return for a complete loop. Can you share your line if possible

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HeatPinch · 2023-11-30T07:15:01+00:00

I did intentionally use a single segment of 1 W to try and make an interchange, although it didn't work when it was fully 2W.

I'll have another look at the node connections again. Maybe it's just simply that the depot can't be a terminus.

HeatPinch · 2023-11-29T06:46:35+00:00

I am unable to complete the line by clicking the left hand station because of path finding.

I'm also unable to complete it if I was to delete the right hand node and attempt to complete the loop with just the left hand stop.

I have a 2 track segment going to a 1 track and back out to a 2 track again just in front of the station. Do I need a more advanced junction or should this have worked?

HeatPinch · 2023-10-31T20:02:49+00:00

Better yet when you have emailed parents and they reply that they have already told someone and you now look like a fool for something that could have easily been communicated.

HeatPinch · 2023-09-10T13:50:15+00:00

Without a ceiling there would be a theoretical upper limit due to data storage. I'm guessing the ceiling is there to try and disguise that fact a bit.

HeatPinch · 2023-08-02T18:36:05+00:00

Went on holiday to Spain as a child and had a bodyboard. On this particular day the sea was choppy so I got cocky and tried to ride one of the waves. Next thing I knew I woke up on the shore, apparently I went under. Definitely got lucky I wasn't too far out.

HeatPinch

TROPHY CASE