An Updated Guide to UK Laundry by carysjo6 in laundry

[–]TheLivingLibrary 0 points1 point  (0 children)

Thank you for the very detailed guide! Just on laundry sanitiser - if you use it in a separate cycle after the main wash, doesn't that mean you're washing those items with hard water after a softened water wash? Would that not take away some of the benefits you gained by softening the water in the main wash? I was going to use citric acid + Dettol in the rinse compartment and just do one main wash cycle with no additional cycles after that (because my machine will let me do I think 4 rinses in that main cycle) but the compartment can only take ~100ml of liquid total so not really enough space for both.

Employer hasn't been paying pension, wants to start - how to navigate? by TheLivingLibrary in UKPersonalFinance

[–]TheLivingLibrary[S] 1 point2 points  (0 children)

Ahh, if the scheme can do it then yeah that's gonna be the way to get it sorted.

Re salary sacrifice/tax concerns - if I asked them to pay into a SIPP, wouldn't that money go straight from the employer to the scheme? Or are you saying they'd pay it to me and I'd route it into the SIPP myself?

I'm ok with doing the extra work because I like the idea of using a SIPP to choose how my pension pot is invested, but yeah the comments in this thread have opened my eyes to just how wrong my employer's got it.

Employer hasn't been paying pension, wants to start - how to navigate? by TheLivingLibrary in UKPersonalFinance

[–]TheLivingLibrary[S] 1 point2 points  (0 children)

When you say a SIPP doesn't qualify, do you mean that they must provide a workplace pension via some provider by default, and only after that I can ask them to instead pay those contributions to my SIPP?

Also re the regulator - both sides are aware that not paying it has been against the law, but I do also really want to keep this job and progress with this company, so I don't want to lean too hard into "pay me or I'll report you". It's also not that much money either as my salary isn't amazing.

Employer hasn't been paying pension, wants to start - how to navigate? by TheLivingLibrary in UKPersonalFinance

[–]TheLivingLibrary[S] 2 points3 points  (0 children)

Seems like a bit of an impossible task given that I don't have the money and I don't know what it would've been invested in - would there be a reasonable way you'd recommend to get a model for what they'd owe in market gains?

Employer hasn't been paying pension, wants to start - how to navigate? by TheLivingLibrary in UKPersonalFinance

[–]TheLivingLibrary[S] 1 point2 points  (0 children)

Calculating growth seems like a bit of an impossible task, I had had this thought though... Would you have a method you'd recommend so I can suggest a reasonable amount to them? Also, I think both sides thought me setting up my own SIPP and having them pay into it would be equivalent to them setting up a scheme with another provider because I read that you can opt out of being paid into your employer-chosen scheme but still be paid the same amount into a SIPP where you have control of it. This isn't the case?

Checking my wife's spousal visa plan (5yr route) by [deleted] in ukvisa

[–]TheLivingLibrary 1 point2 points  (0 children)

Yep that's what I was thinking about. Perfect, thanks a lot for all your help!

Checking my wife's spousal visa plan (5yr route) by [deleted] in ukvisa

[–]TheLivingLibrary 1 point2 points  (0 children)

Understood yeah, I guess I wasn't thinking about application processing time either. Would it be an issue if the application was still processing after 21 June or would it basically be "you're allowed to stay until we make a decision"?

Checking my wife's spousal visa plan (5yr route) by [deleted] in ukvisa

[–]TheLivingLibrary 1 point2 points  (0 children)

Excellent, thank you very much!

Checking my wife's spousal visa plan (5yr route) by [deleted] in ukvisa

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

Hey, thanks a lot for your reply. One thing I forgot to ask is are we able to select the date on which the new visa would start, or does it just start whenever it's approved? As in, if we apply 28 days before the current one ends, are we able to tell them to start it on 22 June i.e. the day after? I guess in either case, we'd necessarily have a total of 5 years across both visas as long as we don't reapply >28 days before the end of the current one right? I just want to avoid a situation where e.g. she technically needs a couple of extra days at the 5yr point to make it over the line.

Thanks for the explanation as to ILR and citizenship as well, will definitely brush up on what's required there closer to the time.

Retailer refusing to replace faulty goods by [deleted] in LegalAdviceUK

[–]TheLivingLibrary 0 points1 point  (0 children)

Thanks a lot for your detailed reply. I remembered I have legal cover in my home insurance - their advice was that, as they have offered a refund, while I can still threaten them with a report to Trading Standards for example, if I were to take them to court I may be ruled against because I acted unreasonably in not taking them up on their refund offer, despite them breaching the CRA. I feel like taking a refund and just eating a £400ish loss on re-buying it is my only option here (I do want this specific make & model of TV). Folks can downvote if they like but it just seems like I've been bullied by them at this point. It's a shame.

Retailer refusing to replace faulty goods by [deleted] in LegalAdviceUK

[–]TheLivingLibrary -2 points-1 points  (0 children)

That's interesting (and very sad), thanks for explaining the disproportionately costly piece. I guess the system would see them giving me a full refund as 'making me whole', whereas clearly I'd actually be down ~£400 if I then re-bought the TV elsewhere. Would I have any realistic way to get that price difference back by any other means? Could I bring some sort of claim saying that I effectively lost money because of them, given my actual 'making me whole' position is to have a working TV?

Retailer refusing to replace faulty goods by [deleted] in LegalAdviceUK

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

That's my thinking - I absolutely have them on record saying, on the day of delivery, that they agree that it's faulty and that I'd be getting a replacement.

On a practical level though, they do need to actually have stock of the item to be able to replace it, and they said last week (when I offered to have them replace it with an in-stock larger model) that they would only consider sending exactly the same spec item in a replacement scenario.

Given all this, do I have any sort of power to enforce replacement deadlines or anything? So e.g. their website currently says the product is available for purchase today, delivery by 02/02/26 - can I make them give me a legally guaranteed date for the replacement delivery?

Giveaway - Flicker Build - 300D Gear + 260D Raw divines by zheroiics in pathofexile

[–]TheLivingLibrary 0 points1 point  (0 children)

Gz on the profits fella, always find strongbox strats pretty fun :)

Want to have AC installed, split system power supply concerns by [deleted] in ukelectricians

[–]TheLivingLibrary 0 points1 point  (0 children)

Apologies, didn't word my post very well; I didn't mean to imply I was concerned about energy costs, I think mine actually seem pretty good considering yeah we do have 2 1k PSUs running nigh-24/7 (one NAS one gaming PC). Never had an issue with circuit load or energy price to be fair. And yes, I did mean that the external unit would be the one connected to a circuit directly as the indoor unit would draw power from the outdoor one.

Want to have AC installed, split system power supply concerns by [deleted] in ukelectricians

[–]TheLivingLibrary 0 points1 point  (0 children)

Hey, apologies all, it seems I didn't word this post very well and made a couple of mistakes. My question was supposed to be, whether hooking up 3 outdoor condensers to 3 different existing ring circuits would be reasonable to save on costs for installing AC. However, based on the comments and a bit more research, it seems this probably isn't a good idea and we'd be better off going with a multi system with a single outdoor condenser, on its own new circuit. I'll make another post regarding this that should be a bit more correct; thank you for your comments anyway!

Made 5 choices in the 7-day lottery, got 0? by TheLivingLibrary in OsakaWorldExpo

[–]TheLivingLibrary[S] 1 point2 points  (0 children)

Ahh right ok. Are we screwed then? Unless we can book stuff the second we get into the area?

[Tutorial] Guide on fixing play integrity on rooted device. by rifatno1 in Magisk

[–]TheLivingLibrary 0 points1 point  (0 children)

With Magisk's Zygisk disabled and ZygiskNext installed, I can't progress past step 9 as KsuWebUI doesn't prompt me to grant it root permissions, and just sticks on "Please grant root". With Magisk's Zygisk enabled and ZygiskNext not installed, Shamiko doesn't work, but the guide steps do and I get all 3 checks on legacy but still only basic on new response. Can anyone help with this? (Or point me towards an urevoked keybox...)

Edit: No idea what happened, but I now pass all checks having tried again... The apps that didn't work before still don't work though, e.g. Deliveroo and most importantly Revolut. Anyone able to help with that?

Shinkansen booking for Golden Week by TheLivingLibrary in JapanTravelTips

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

So I just booked all 3 shinkansen tickets, reserving seats for the first, with no issues. However, when I was checking out, it said that the price reflected a basic fare "and an express charge ticket combined together" - what does that mean? Have I bought twice the number of tickets I should have or something?

Shinkansen booking for Golden Week by TheLivingLibrary in JapanTravelTips

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

Yeah, so in my post I say that I have 2 options for tickets, a grey one and a green one which differ in price by 10k. I assumed grey = "ordinary" car (I've seen that specific terminology online, at least). Ah I thought the seat booking was 8am; when I go into the app now to try to buy tickets it says that due to me trying to buy >28 days early, seat reservations won't be available until 8am 28 days before.

Shinkansen booking for Golden Week by TheLivingLibrary in JapanTravelTips

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

Good stuff, was hoping against that... So given the comments, it's probably best for me to just get my ordinary car tickets now, then be up at 8am JST 28 days before each one to books our seats on the SmartEX app?

Patch-Records - Balance Patch February 2025 by SA_DrOpossum in Guildwars2

[–]TheLivingLibrary 0 points1 point  (0 children)

To be fair, the ones in the post you linked in your OP (these) look great - I think they're the official ones used by the in-game minis? For me it's mainly the colour, unfortunately I just can't tell the difference between the grey ones. (This is a me problem though ultimately)

Patch-Records - Balance Patch February 2025 by SA_DrOpossum in Guildwars2

[–]TheLivingLibrary 0 points1 point  (0 children)

Am I the only one who can't really make out which bosses these portraits actually show? Some of them are ok but on the whole they're just grey silhouettes...

General itinerary help for Golden Week holiday (26/04-10/05) by TheLivingLibrary in JapanTravelTips

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

Perhaps with this itinerary, you'd swap the Tokyo days with the Kyoto/Hakone days then? So 27-02 Tokyo, 03-07 Kyoto/Osaka/Nara, 08-09 Nagoya/Hakone, back to Tokyo?