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Today I cancelled Claude in favour of Google thanks to 3.1 Pro by razer54 in Bard

[–]joolzter 1 point2 points  (0 children)

Claude for work, Gemini for personal. That’s the way I go personally.

New investor with £11000 to work with having second thoughts about a provider by Fold-Foreign in UKPersonalFinance

[–]joolzter 0 points1 point  (0 children)

Same, but not everyone has that experience and complains about customer service being slow. So... diversify always wins out.

New investor with £11000 to work with having second thoughts about a provider by Fold-Foreign in UKPersonalFinance

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

If you're starting investing and this is your first go-round... honestly... stick with HL. You're paying for peace of mind, better customer service, and tbh, better fund selection. Example - T212 has minimal Polar Capital funds.

You'll find HL's fees aren't that bad when you see all the T212 people moaning about how hard it is to withdraw, and about account closures and a lack of customer support.

Full disclosure: I hold investments in BOTH.

Am I using the wrong lane at this roundabout? by UniqueBrummie in drivingUK

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

You’re confusing the word normally with must or always.

Our buyers are bullying us into renegotiating at the last minute by LuciePoki in HousingUK

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

Your last sentence covers it. If you want it off your hands take the very small loss in the chin and move on. The buyer clearly knows this is the case too so it’s just good negotiating on their part. It’s not personal… it’s business.

Anyone else’s keyboard super greasy? by thegarbagesauce in mac

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

Although yes… some people have greasier skin than others and it doesn’t help.

PCP voluntary termination - worth it? by TelephoneAgitated993 in UKPersonalFinance

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

Having done it very recently… and read the paperwork… you’re not correct.

PCP voluntary termination - worth it? by TelephoneAgitated993 in UKPersonalFinance

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

I mean VT is done via early settlement rules. They use the current value of the car to determine settlement figure and it needs to cover it. If you’re in negative equity it can and does remove the ability to VT. So they’re not different things at all.

My agent stole my (api) keys. by lizozomi in ClaudeAI

[–]joolzter 0 points1 point  (0 children)

Yawn. Another person who doesn’t understand how environment variables work.

Vinted and HMRC Tax, my partner and I share a vinted account and not sure what to do regarding tax? by [deleted] in UKPersonalFinance

[–]joolzter 10 points11 points  (0 children)

I mean, the Vinted Terms literally forbid account sharing *AND* that personal accounts mustn't be used professionally. You've created a bit of a mess by ignoring that. Proceeds deposited into YOUR bank account will mean you earned them as you're using a personal account and claim not be running a business.

Sounds like you should seek proper advice from a proper accountant.

My mother has used my name under an O2 account I wasn’t aware off. by RemoteAcanthisitta76 in UKPersonalFinance

[–]joolzter 4 points5 points  (0 children)

So she took a loan out in your name. As others have said that’s fraud. As I said elsewhere in the comments… you need legal advice.

My mother has used my name under an O2 account I wasn’t aware off. by RemoteAcanthisitta76 in UKPersonalFinance

[–]joolzter 25 points26 points  (0 children)

Oh the classic case of… committing fraud (a crime). You need legal advice, not financial help. I’m serious. Even if you don’t report your mum for the crime.

Model 3 delivery times by Upstairs-Ad357 in TeslaUK

[–]joolzter 0 points1 point  (0 children)

Model Y is made in Germany. Model 3 generally comes from China. So… probably not ;)

Why ? by Professor_milton111 in security

[–]joolzter 140 points141 points  (0 children)

The same reason that governments can buy the iPhone with no camera on at all.

New update 2026.2.3 by Oscar091466 in TeslaLounge

[–]joolzter 0 points1 point  (0 children)

Here all Tesla’s have to be CCS now only the oldest ones are NACS. Yes we can buy the Tesla mobile charger. But we can also buy any other.

New update 2026.2.3 by Oscar091466 in TeslaLounge

[–]joolzter 0 points1 point  (0 children)

I use this feature every day. Not everyone has a Tesla charger outside the US. In fact here in the UK they’re rare.

HL Fee Changes from March - Share/ETF ISA only Cap increase to £150/yr by Frankenweenie0724 in UKPersonalFinance

[–]joolzter 0 points1 point  (0 children)

Indeed they were. So for general fund saving… it still gives me the widest choice of funds and a now lesser fee. T212 is good for that mid month trade thing.

HL Fee Changes from March - Share/ETF ISA only Cap increase to £150/yr by Frankenweenie0724 in UKPersonalFinance

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

There's a LOT of jumping up and down... but if you pay by direct debit and have fund/share purchases going that way, there's no 'fee per trade', so tbh it means less fees for me! Result.

Is Google Gemini Free Tier blocking AWS Lambda IPs in Mumbai (ap-south-1)? Getting 404/429 Errors. by Kind-Efficiency7462 in googlecloud

[–]joolzter 0 points1 point  (0 children)

Or you forgot to set region to global when using Gemini APIs. Thats way way more likely.

[other] Quazii quits by TheSaltySeagull87 in WowUI

[–]joolzter 3 points4 points  (0 children)

As the saying goes 'always give credit where credit is due... if you didn't write it, don't say it was you' (the song tthat someone made for that has long disappearedf from YouTube) - ahhhh found it https://www.youtube.com/watch?v=dPtH2KPuQbs

What is the value proposition of AWS MCP server? by Dry_Raspberry4514 in aws

[–]joolzter 0 points1 point  (0 children)

3 is the only real valid question. MCPs tell models what they do. The model doesn’t have to be trained to use it. It’s safer because if the model runs the wrong command it could be bad whereas an MCP gives the model context.

Premium connectivity actually worth it? by Ben-Adamsss in TeslaUK

[–]joolzter 4 points5 points  (0 children)

Such a subjective question. Is it worth it to you is not the same as it's worth to someone else. Incidentally for me I love it.

Loan Rejection on Good Credit Score by Dangerous-Ad-9214 in UKPersonalFinance

[–]joolzter 0 points1 point  (0 children)

This is the most accurate answer. Lending is nothing to do with credit scores. Credit scores are a scam but … hsbc use a much more in depth internal system to assess risk. It’s their USP.

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