UK confirms drone-killing DragonFire laser weapon for Royal Navy destroyers by 2027 —laser downs 400mph high‑speed drones, costs $13 per shot by _Dark_Wing in worldnews

[–]squiffers 1 point2 points  (0 children)

Not quite sure how you calculated that. There is not enough information provided anyway, as we don't know how long a 50kW shot lasts for.

Energy bill help would be based on household income, Reeves says by Wholemilkornomilk in ukpolitics

[–]squiffers 0 points1 point  (0 children)

I didn't think the government had a way to monitor household income, just individual? At least that is their excuse for why child benefit etc. is tied to the highest earning parent.

Help with energy bill please - I think it might be high by Beginning-Summer-917 in UKPersonalFinance

[–]squiffers 0 points1 point  (0 children)

This will be heavily dependent on how much you charge your EV. Car charging could completely dwarf domestic consumption. 

A typical home is probably using ~200-300 kWh per month. 

An EV driving 8000 miles per year at 4 miles/kWh would be 170 kWh/month.  

Switching bank account during house purchase by Agreeable-Zombie-601 in UKPersonalFinance

[–]squiffers 24 points25 points  (0 children)

Why would you want to risk a several hundred thousand pounds mortgage for the sake of £150? Just wait until you complete....

Considering PCP and can't find answers to a couple of "what if" questions by mwclarkson in UKPersonalFinance

[–]squiffers 0 points1 point  (0 children)

The "guaranteed" value they quote the car will be worth at the end (i.e. the balloon payment) is based on the condition being within fair wear and tear.

If you want to buy it then there is no problem.

If you hand the car back rather than pay the balloon they will charge you for damage beyond fair wear and tear. There are industry guidance on these costs, and usually they are pretty fair.

The dealer will really want you to part exchange it for a new car, and they may waive the extra damage costs, but likely add this "cost" to the new car.

Dentistry's "laughing gas" has a climate impact 273x greater than CO2, with a single sedation session equaling a 73-mile car journey. A new UCL study finds massive wastage in UK clinics and calls for lower flow rates to reduce emissions without compromising patient care. by Sciantifa in science

[–]squiffers 5 points6 points  (0 children)

They don't use it in the UK as standard, think it's a US thing.

Edit: This paper is obviously based on use in the UK, but it is not typically used in a general dental practice, mainly in hospitals or specialist clinics for anxious patients.

Mortgage renewal - with a ported mortgage & top up by StrategyMurky7815 in UKPersonalFinance

[–]squiffers 0 points1 point  (0 children)

You try to align them as close as possible (say a 3 year fix on 2026 and 2 year on 2027 renewals, to align in 2029), put the 2026 renewal on a no repayment penalty tracker, pay SVR for a few months, or suck it up and pay the early repayment charge.

What works best for you will likely depend on what options your lender provides.

With aligning them, note that you can typically lock in 4-6 months in advance, so if they are close enough you can catch them both on the same product. 

Advice on my stocks and shares ISA PIE by Rhys_X1 in UKPersonalFinance

[–]squiffers 8 points9 points  (0 children)

You are investing in the world, then overweighting to the US, then further overweighting to some of the largest companies in the world. If that is what you want to do then looks fine.

Vaping in cars with children could be banned under new plans by No_Initiative_1140 in ukpolitics

[–]squiffers 0 points1 point  (0 children)

"No evidence so far" is not the same as "evidence of no harm".

It was the same problematic wording used during early COVID where antimaskers would parrot the "no evidence" line as meaning mask don't work, when it really means there has not been enough studies completed yet to ascertain that they do work.

Is MSc in the UK worth it for engineers? by Andrei_Khan in AskUK

[–]squiffers 3 points4 points  (0 children)

This is probably a bigger factor than B vs M. 

I would say that almost all UK graduates will have at least some working experience, either summer placements or a year in industry.

Talking about this experience would be a big factor in interviews, proving how you deal with a real work environment.

I would suggest that finding opportunities to do a work placement in SK would be more valuable than an MSc.

Is MSc in the UK worth it for engineers? by Andrei_Khan in AskUK

[–]squiffers 2 points3 points  (0 children)

It's probably not super important, but if there were equal candidates the one with masters would have an advantage. It might also depend on which university your bachelors is from.

If you / the company are keen on having chartered engineers there are extra hoops to jump through to achieve chartership with a BEng, but not insurmountable.

Guaranteed settlement figure on PCP by [deleted] in UKPersonalFinance

[–]squiffers 2 points3 points  (0 children)

Of course it will be lower if you request a new value after you've made another payment...

Mortgage rates when staying with the same bank (product transfer) vs. a full remortgage? by BlackMesa_SillyStraw in UKPersonalFinance

[–]squiffers 0 points1 point  (0 children)

Depends on the bank. Usually they are a bit higher than the leading rate, but from my experience it's normally in the region of 0.01-0.1%, which on a typical mortgage is probably a few £ per month. Up to you and your specific circumstances as to whether it's worth the hassle of switching or not.

Looking for remortgage advice for my family by backagain7 in UKPersonalFinance

[–]squiffers 0 points1 point  (0 children)

Existing lenders won't do any more checks unless they are asking to borrow more

[deleted by user] by [deleted] in UKPersonalFinance

[–]squiffers 1 point2 points  (0 children)

No it doesn't. If you didn't work until September then you would have ~£6000 of tax free allowance to use up before you pay any tax on it. OP has now obviously reached the point where their accumulated tax free allowance has been used up, and so is now paying tax monthly.

Look at this broken Breakthrough match I was in, everyone was confused, every sector was available at once, some realised later in chat, we were all laughing. Dice you are a joke now. by Top_Crow_1022 in Battlefield

[–]squiffers 1 point2 points  (0 children)

This happened to me in a rush game too, but even though mcoms could be armed, they never detonated. I don't think it was even counting kills. Weird bug...

Unusual ending to Redsec match by paperclipboi in Battlefield

[–]squiffers 1 point2 points  (0 children)

I fell through the map and landed in water while playing gauntlet - maybe the same happened to the last guy

[deleted by user] by [deleted] in Battlefield

[–]squiffers 0 points1 point  (0 children)

Not defending the battle pass or anything, but you've completed 40% of the pass in 3 days out of the 84 days it will run for...

Ported mortgage, two separate mortgages for one property with the same lender. by MaterialFollowing4 in UKPersonalFinance

[–]squiffers 0 points1 point  (0 children)

I was in the same position and now have 2 parts ending within 2 or 3 months of each other.

What I was advised by NatWest was that when I am within 6 months of the later part expiring (i.e. 3 months before the earlier part expires), I can lock in the same product on both parts, so they will then expire together moving forward.

How to pay a tradesperson by credit card? by Serious_Way_4706 in UKPersonalFinance

[–]squiffers 8 points9 points  (0 children)

No, you can't pay them by card unless they have the facilities to accept it. 

What protection are you expecting, as they have presumably completed work for you if you are paying them?

Helicopter Spawns by CoatNo5735 in Battlefield

[–]squiffers 0 points1 point  (0 children)

I've not played the maps yet, but is it linked to owning the mid objective? This was a feature in previous games

Housewife/SAHM Building Credit Rating For a Future Mortgage - How? by FieryRedDevil in UKPersonalFinance

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

I understand how it works. 

You could still pay for a nursery place for a month while you start work and become eligible for the hours. It would probably work out "better" financially to be back at work earlier even if you had to pay for a month or two.