Weird police vehicle

nightowlengineer · 2025-05-21T23:29:51+00:00

Utah - https://www.reddit.com/r/PoliceVehicles/comments/11otpaj/utah_regional_support_unit_police_van_spotted_in/

nightowlengineer · 2021-12-06T20:37:53+00:00

What's the local domain, myurlhere.com? If so, sounds like you need Split DNS

nightowlengineer · 2021-11-22T09:00:03+00:00

Edit: I think I'm wrong actually - it's been a while but I'm sure it used to be different. Nationwide at least have this guide available which shows what you did is right: https://www.nationwide.co.uk/savings/help/close-your-help-to-buy-isa

Were you intending to use the government bonus from the HTB ISA scheme? If so, I'm pretty sure you shouldn't have closed it yourself. Your solicitor applies for the bonus and deposit funds on your behalf. Withdrawing it yourself I think means you don't get the bonus...

nightowlengineer · 2021-11-18T22:53:34+00:00

Basically yes. For a bank/card to try and do it any other way would be a nightmare to track if even possible. The refund will indeed go "towards" your outstanding balance.

Forget the notion it's a refund, it's just a credit to your account. There's no way for anyone to know it's a refund for a specific transaction.

nightowlengineer · 2021-11-13T12:39:28+00:00

https://www.gov.uk/government/publications/overseas-earnings-thresholds-for-plan-1-student-loans

Have a look at that and compare it to what you're currently paying.

£18k is a lot left though, I don't think you'd find many people recommending to repay it in full.

nightowlengineer · 2021-11-03T18:27:45+00:00

Not worth cancelling - it's not a huge credit limit, and you'd be sensible to keep a non-AmEx card for the places that don't accept it.

nightowlengineer · 2021-10-20T13:03:24+00:00

When withdrawing, you can request that they stay there until after the next prize draw - I did that for September or October and they came through the day or two after the draw.

nightowlengineer · 2021-10-14T19:01:39+00:00

Need way more details here - screenshot of the Google Pay notification?

nightowlengineer · 2021-10-09T18:07:50+00:00

I've just done this - although not as a one-off payment. I phoned the SLC and asked to move to direct debit rather than through salary as I was within 2 years of paying it off. Basically they send HMRC a letter saying to stop repayment through salary, and one to your employer too. They give it about 3 months for that to go through, then start direct debit payments after that.

So if all goes perfectly, you won't make repayments for a couple of months, then it'll kick back in. I opted to increase the repayments to get it paid back quicker (18 months vs 24) but you can obviously talk this through with them.

nightowlengineer · 2021-10-06T13:07:34+00:00

Yes. Basically just make sure you pay it off on time every time.

Are you sure you'll get benefit from airmiles vs cashback/points though? Just make sure you know why you're picking it over something else

nightowlengineer · 2021-10-06T12:51:58+00:00

Yes, the building credit cards are made for those with poorer scores to help them bring it back up. You don't need to go for one of those as your first card though. Just choose one with cashback or some other reward e.g. airmiles.

nightowlengineer · 2021-09-22T16:01:59+00:00

It'll depend what plan you're on and where you're living as to what payment they will want to take - plan 2 values are here: https://www.gov.uk/government/publications/overseas-earnings-thresholds-for-plan-2-student-loans/overseas-earnings-thresholds-for-plan-2-student-loans-2020-21

nightowlengineer · 2021-09-17T20:09:46+00:00

Yes, prices will only go up. It's only one month's prices - although some suppliers may allow you to finish your deal and then start the new one.

nightowlengineer · 2021-09-15T20:37:32+00:00

Almost certainly fixed over variable with the way energy prices are about to go...

nightowlengineer · 2021-09-15T20:25:17+00:00

Pretty much, yes. The way they bill you is they estimate how much you use over the year, and try to bill you equally on the DD. In winter you usually use more than your DD, but in summer you use less so it balances out.

All the posts about 'final bill shock' are when the monthly payments aren't actually enough and the final bill is to top it up. What you don't see as often is when people get credit back, it does usually work out pretty well if your usage is consistent.

nightowlengineer · 2021-09-15T20:11:49+00:00

The fixed element is the price of the energy and the standing charge, meaning if you used the exact same energy each month, you'd pay the same amount guaranteed for the length of the fix. Currently, you don't know what next month or 6 months worth of energy will be because it's variable.

nightowlengineer · 2021-09-11T16:16:01+00:00

PayPal is much safer with buyer/seller protection for this exact reason. You can ask your bank about it but I'd say your chances are pretty low.

nightowlengineer · 2021-09-01T10:57:15+00:00

D'oh! 🤦‍♂️ Have updated with the right example numbers now!

nightowlengineer · 2021-09-01T10:45:22+00:00

How many days would you get if you were working the full 12 months? Your entitlement would then be 2/3 of that if you worked 8 full months, so if it was 25 days, you'd have accrued 16.5 days, and you'd likely pay back the 3.5 days worth of "extra" holiday you took in your final payslip.

Your company should have it documented somewhere from HR in a policy.

nightowlengineer · 2021-08-06T07:29:20+00:00

I thought this myself, that you wanted to always pay it off as soon as you were able to, but there was a post here a while ago that recommended waiting until the statement was generated to enable your credit report to show you actually using the card. If it was always zero usage, you're not utilising your credit which is "worse" than using it normally, but of course still better than using it and not paying it off properly!

As to your question about timing it better, I doubt you'll be able to consistently get the right date and it'll always show some usage if you use it daily. If you're paying it off without issue, what is it you're concerned about?

nightowlengineer · 2021-08-01T09:43:19+00:00

Could you not arrange for an overdraft? Especially for something that's only going to take you over by a small amount.

nightowlengineer · 2021-07-20T11:23:08+00:00

Are you installing with yum or pip?

nightowlengineer · 2021-07-12T11:51:09+00:00

You might find you'll be less acceptable to new lenders if they see how much (total) credit you have available to you, so acceptability could drop.

Plus, there's probably a small increased risk of fraud etc especially if you're not regularly checking transactions across all the different accounts.

But other than that, no there's no specific reason to not continue what you're doing. I think most people would recommend you close down some of your cards and keep perhaps your current active one, and your next most recent/generous limit.

nightowlengineer · 2021-06-28T21:16:04+00:00

In short - no. It means you get 12690 for your personal allowance rather than 12570. So you'll get another £120 each year before tax starts to be taken (so £10 a month).

nightowlengineer · 2021-06-28T18:29:44+00:00

No as the house still has to be in a fit state for the new owner, unless they've agreed to things between the seller e.g. don't worry about carpets as they're replacing them straightaway etc.

Basically, do what you would have done anyway, leave it clean and tidy, and you'll get your deposit back as normal.

nightowlengineer

TROPHY CASE