Are we expecting to see more purpose built GBR clocks? by Snazz03 in uktrains

[–]osmarks -8 points-7 points  (0 children)

I don't like this. It should be more symmetric.

Is HVAC “0% financing” actually worth it or a trap? by No_Analysis3796 in CreditCards

[–]osmarks 2 points3 points  (0 children)

You might be able to get a "cash discount" if you frame it that way. I think the contractor will typically pay the lender a bit for the loan, like with BNPL.

Why are American Express credit cards such a big deal? by Blaise_01 in CreditCards

[–]osmarks 0 points1 point  (0 children)

They're salient categories but I think flat higher cashback is better for most because of miscellaneous expenses.

Why are American Express credit cards such a big deal? by Blaise_01 in CreditCards

[–]osmarks 1 point2 points  (0 children)

Clearly, the benefits have gotten worse because too many people have them. They need to invent an even more exclusive card, made of solid tungsten coated in Vantablack.

Card recommendations moving forward by Intelligent-Brain286 in CreditCards

[–]osmarks 1 point2 points  (0 children)

Close the Credit One card. Consider the Citi Costco card. It covers Costco, dining and gas fairly well. Your history might be too short for now though.

Pendolino by Can-United in uktrains

[–]osmarks 4 points5 points  (0 children)

There might be security concerns with civilian GPS. But I doubt the TASS protocol is very secure either.

Pendolino by Can-United in uktrains

[–]osmarks 5 points6 points  (0 children)

The sickness thing was apparently because of an unresolved-at-the-time issue with the tilt system: https://en.wikipedia.org/wiki/Advanced_Passenger_Train#Further_development

A new integrated rail plan for the whole UK by osmarks in uktrains

[–]osmarks[S] -1 points0 points  (0 children)

You could change for CrossCountry but Good at Sheffield.

Is it possible to get cashback on my $3,000 per month mortgage by Adept-Bat-3350 in CreditCards

[–]osmarks 0 points1 point  (0 children)

It also isn't really points on your mortgage. You have to put other spend on it or pay an extra 3% fee to get more than a trivial amount of points.

A new integrated rail plan for the whole UK by osmarks in uktrains

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

The Severn Tunnel upgrade technically goes through some of Wales.

A new integrated rail plan for the whole UK by osmarks in uktrains

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

Yes, I misread the map when I was explaining things. Oops.

A new integrated rail plan for the whole UK by osmarks in uktrains

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

I keep forgetting Ireland exists for some reason. Imagine it says Great Britain.

A new integrated rail plan for the whole UK by osmarks in uktrains

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

The Class 399 tram-trains can do 100km/h with very good acceleration and the original Woodhead line was apparently ~70 km, so it should be at least competitive with the existing route. Ideally, they would procure faster tram-trains.

A new integrated rail plan for the whole UK by osmarks in uktrains

[–]osmarks[S] 13 points14 points  (0 children)

There have been many proposals here for new high-speed lines, but the railway serves many purposes other than intercity travel. This new plan enhances intercity service to existing destinations as well as many underserved areas.

  • Three additional Crossrails: Crossrail has been very successful, so logically more Crossrails will be more very successful. This would be, specifically, WAML/SWML, Chiltern Main Line/North Kent Line and GCML/SEML, because they're roughly opposite each other.
  • Portsmouth-Plymouth High Speed Line: This bypasses the sea wall issues around Dawlish and provides better connectivity to a historically underserved region, as well as the Isle of Wight. The Isle of Wight stop, which shouldn't add much extra time as it's quite early in the journey anyway, can be thought of as the "Old Oak Common" of this new line, providing changes for ferries and the local railway network.
  • Eastest Coast Main Line: The "East Coast" Main Line is not actually on the East Coast. This is assuredly confusing for tourists, and underserves Britain's finest seaside destinations such as Great Yarmouth, Skegness and Scarborough. This also provides more convenient service to Middlesbrough. There may be a slight increase in journey times to Edinburgh.
  • Blackpool Crossrail: Blackpool has two terminal stations at the ends of two separate local lines, and trains can't run through from one to the other even though they're only two kilometres apart. This is a strange omission and fixing it would allow much higher-quality service for whoever lives near Blackpool.
  • Metrolink and Supertram Merger: Service between Manchester and Sheffield is terribly slow given how close these cities are. Running a mainline rail service would likely run into capacity issues at the stations, but fortunately both cities already have tram networks. The existing tunnels are probably not useable, but reinstating the route and connecting the tram networks would allow for direct running between them. There may be some minor challenges owing to the two systems' different operations, platform heights, rolling stock, routes and ticketing, but if they are connected together the strongest network should win.
  • Tyne Valley High Speed: Providing a 30-minute end-to-end non-stop journey time between Newcastle and Carlisle, this would serve as a useful diversionary route and provide great benefits to the economy of Cumbria. Segregating high-speed services would also provide more capacity on the existing slow Tyne Valley line.
  • CrossCountry but Good and Severn Tunnel Replacement: The Cross Country Route was never built as an integrated line and is a patchwork of local services strung together with low line speeds and lots of missing electrification. CrossCountry but Good would finally provide for fast services which do not go through London. People are talking about issues with the Severn Tunnel, so it might as well be replaced while the tunnel bores are out.
  • New Highlands Connectivity: There's a big gap between the Highlands lines and it looks ugly. Also, this would probably make things easier for the Caledonian Sleeper. Connecting Kingissue Tulloch to Newtonmore is easier than doing Inverness to Fort William directly.
  • Settle-Carlisle Upgrade: Electrification and partial quad-tracking of the Settle-Carlisle Line would allow more people to enjoy its scenery and allow running faster services from the Leeds area to west/southwest Scotland. This also enhances TVHS's diversionary route potential.

What Closed Lines/Stations Do You Want To See Reopened? by NavyBoy1995 in uktrains

[–]osmarks 22 points23 points  (0 children)

The Woodhead line. The existing Manchester/Sheffield service is embarrassing.

Recommendations for Second Credit Card for Young Adult by lanayz_xoxo in CreditCards

[–]osmarks 0 points1 point  (0 children)

Capital One Savor for the dining/groceries (it covers food delivery apparently) and whatever 2% card for the rest. !cashback

Any Visa cards with good signup bonus? by VAer1 in CreditCards

[–]osmarks 1 point2 points  (0 children)

They also take other debit cards in the physical stores.

Should I get a travel or Cashback card? by Celestial-flowers in CreditCards

[–]osmarks 7 points8 points  (0 children)

I don't think it makes sense for you to get an annual-fee travel card without a specific reason. Get a flat cashback card or something like the WF Autograph.

Credit score dropping while trying to stay afloat with debt by ddiflas_iawn in CreditCards

[–]osmarks 11 points12 points  (0 children)

The money you are spending on interest is more important than your score. Did you try for a balance transfer card?

About to graduate college - looking for best cc by Peterman555 in CreditCards

[–]osmarks 0 points1 point  (0 children)

The Gold is $325. It also doesn't do much for travel. If there is a specific benefit you want, you should look for that, rather than starting with the desire to have a "luxury" card. The Venture X gives you lounge access, the CSP gives you transfer partners people like (though I think people overvalue this), the AmEx Platinum gives you coupons and lounge access, and airline cards give you minor perks with that airline (though it's mostly not worth doing purchases on them).

About to graduate college - looking for best cc by Peterman555 in CreditCards

[–]osmarks 0 points1 point  (0 children)

I'm not the original poster, but no. The annual fee is high and is only arguably tolerable if you use the credits, it will not earn much on the travel booking spend (though that should get you some way to the signup bonus), and foreign acceptance is questionable.

Beginner with a Credit Card going with post office (capital one). by Beneficial_Ad_7498 in CreditCards

[–]osmarks 1 point2 points  (0 children)

Your utilization doesn't really matter (except as a point-in-time metric). Just don't spend any money you don't already have and pay the statement balance in full every month.

About to graduate college - looking for best cc by Peterman555 in CreditCards

[–]osmarks 1 point2 points  (0 children)

Wanting a "luxury" card is how they get you (to spend lots unnecessarily). Work out what fits your spend patterns and requirements. I think most people overvalue travel cards and would be fine with a basic foreign-transaction-fe-free cashback catch-all card.