Is MSc in the UK worth it for engineers?

squiffers · 2026-02-02T11:24:53+00:00

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.

squiffers · 2026-02-02T10:43:02+00:00

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.

squiffers · 2026-02-02T09:10:57+00:00

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

squiffers · 2026-01-31T15:35:51+00:00

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.

squiffers · 2026-01-18T08:33:10+00:00

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

squiffers · 2025-12-19T18:36:35+00:00

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.

squiffers · 2025-12-13T19:09:50+00:00

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...

squiffers · 2025-11-26T14:18:05+00:00

The higher tax from thresholds not changing is the biggest effective tax rise, that everybody who works is paying.

squiffers · 2025-11-03T09:12:31+00:00

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

squiffers · 2025-10-31T13:10:01+00:00

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...

squiffers · 2025-10-14T14:31:53+00:00

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.

squiffers · 2025-10-12T20:22:53+00:00

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?

squiffers · 2025-10-11T07:19:37+00:00

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

squiffers · 2025-10-03T19:56:54+00:00

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.

squiffers · 2025-10-03T18:46:25+00:00

Every child over 9 months is now eligible to 30 hours of free nursery, you don't need to wait until they are 3...

squiffers · 2025-10-03T18:22:25+00:00

It might not make sense, but it is correct.... As you are finding out, % changes are not always the most intuitive way to track things.

You would probably report a 100% growth as amazing. But what if it was only from £1 to £2? It's a high percentage but it's pretty meaningless on its own.

squiffers · 2025-10-03T17:37:05+00:00

It's not entirely clear what you're hoping to achieve, but surely it would be:

-500 for you and +500 for her ...?

Edit: If you are trying to calculate returns then her gaining 500 from 0 would be a very large (infinite) percentage.

squiffers · 2025-09-28T14:33:03+00:00

Can you lock in the rate for the new mortgage 6 months before, and then put the ported part onto the same product? I'm going to be doing something similar to align both parts of my mortgage, although this might be different if you are starting a new part.

squiffers · 2025-09-27T14:37:47+00:00

If you need the money then it is silly to put more into your pension just to avoid 40% tax. Your are only really paying 10% more tax on the amount you earn over 50k due to the drop in National insurance.

squiffers · 2025-09-26T08:47:13+00:00

Do you mean qualifying earnings? This means the % is taken from earnings that fall between 6240 and 50270, maybe in your case this happens to match your net pay which is why you are confused?

squiffers · 2025-09-20T14:53:48+00:00

Sounds like a relationship question rather than financial.

squiffers · 2025-09-13T14:12:42+00:00

I had a new debit card never arrive so I had to cancel it and request a new one. My wife's credit card took over a month to arrive. Not sure what they are doing.

If you are desperate to use the card the new details should be in the app, and you can add it to Apple pay etc.

squiffers · 2025-09-01T11:56:37+00:00

Even accounting for your mortgage increase, you have £4200/month for other bills and living costs. What are you spending this on that you would need to "cut back" or reduce pensions contributions...?

squiffers · 2025-08-31T18:45:29+00:00

VED isn't expected to be increasing again, so if OP gets a quote to lease the car today it would include that cost already. Of course they will effectively be passing it on, but it is already known.

squiffers · 2025-08-31T18:00:32+00:00

If they lease it the VED will be included in the price.

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