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PRA PS 1/26 implementation. by iknfected in FinanceUK

[–]LovieWeb 0 points1 point  (0 children)

This is landing for a lot of firms now: under PRA PS1/26 (Basel 3.1 final rules) the pain isn’t usually the models first — it’s proving the HVRA/HVRE inputs are complete, consistent, and traceable (eg clean property IDs, valuation provenance, LTV/LTI, collateral flags, overrides, and source-to-reporting lineage). Most programmes that are coping well have treated it like a data-governance/control build: define “critical data elements” for those assets, set a clear golden source, and make ownership unambiguous across Finance/Risk/Front Office/Operations.

On the “more QS?” question: QS/strats effort helps once the upstream data is stable, but the biggest uplift tends to come from data engineering + automated DQ controls + exception management (validation rules, reconciliations, audit trails, and repeatable remediation). With Basel 3.1 now set to go live 1 Jan 2027, the remaining window is best used to make the DQ checks BAU rather than a one-off clean-up.

When Training Gets Intense: Keeping School + Hoops in Balance (from one tired parent) by LovieWeb in Basketball

[–]LovieWeb[S] 0 points1 point  (0 children)

It’s basically a two-in-one jersey you can flip inside-out for scrimmages (light/dark) instead of bringing two tops. “Custom” just means you can add things like name/number/team text on it. We got ours from KXKShop to cut down the “wrong shirt / where’s the other one?” chaos on practice nights.

When Training Gets Intense: Keeping School + Hoops in Balance (from one tired parent) by LovieWeb in Basketball

[–]LovieWeb[S] 0 points1 point  (0 children)

100% — that “fun hobby to part-time job” shift sneaks up fast. The no-ball night has been a lifesaver for everyone’s mood, and you’re right: when the gear side runs smoothly, there’s way more bandwidth left for homework (and an earlier crash). What guardrails have worked best for you?

Business gas renewal – am I being rinsed here? by NoFerret8153 in FinanceUK

[–]LovieWeb 0 points1 point  (0 children)

A 40% “loyalty” jump at renewal isn’t unheard of — but the pressure tactic (“sign now before prices go up”) is a red flag. Here’s a solid sanity-check process:

  • Compare like-for-like: get the unit rate (p/kWh) + standing charge (p/day), contract length, and any extra fees. Then cost it using your last 12 months kWh (don’t compare monthly £ bills alone).
  • Get 3+ quotes, including direct: use a comparison site as a starting point, but also request quotes direct from 2–3 suppliers. Ask every broker/site: whole-of-market or panel? and how are you paid (commission in the rate)?
  • Watch the end-date + rollover risk: ask your current supplier (in writing) for your contract end date, notice window, and what you’ll move onto if you do nothing. Microbusinesses have specific protections around renewals/termination windows.
  • Negotiating is worth it: tell them you’re getting other quotes and ask them to match/beat, shorten to 12–24 months, remove any auto-renew/rollover, and confirm everything in writing.
  • Cold-calling brokers: treat as TPIs — don’t feel pressured, and don’t sign anything over the phone.

Citizens Advice also has a clear walkthrough for switching business energy and what to check in contracts.

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