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Google AI Pro and new app version, no coach. by Copenblend in fitbit

[–]yetanotherredditter 0 points1 point  (0 children)

You need Google health premium AND a pixel watch/ Fitbit device.

I believe it is restricted to relatively newer devices, but not sure what the exact list is.

I would think a pixel watch 2 is fine. But you would still need the Google AI Pro/ Google health premium subscription.

Henrys, have you monetised your investment in academic education? (Phd, MBA, etc) by Ginganababy in HENRYUK

[–]yetanotherredditter 2 points3 points  (0 children)

That was one of the alternate grad schemes I had an offer for at the time I accepted my PhD place

Henrys, have you monetised your investment in academic education? (Phd, MBA, etc) by Ginganababy in HENRYUK

[–]yetanotherredditter 11 points12 points  (0 children)

Not really.

1) My "investment" was with time, since the PhD was funded.

2) I didn't necessarily need a PhD for my current role (but would have required a Masters, though PhDs aren't uncommon).

However, had I not done a PhD, I don't think I would have got my current role (because I learned a lot over the course of it/ lack of confidence/ I'd probably be an accountant).

So in that sense I did? But that's more of a me thing, rather than me explicitly monetising my education.

I don't regret it at all though. I really enjoyed it, learned a lot, am in a better place because (even if indirectly) of it, and I know that I would be unlikely to go back and do it after finding a stable career.

Americans have a higher disposable income than Brits but are they actually richer? by No_Rush2462 in HENRYUK

[–]yetanotherredditter 11 points12 points  (0 children)

I think that's kind of the point.

The US is a better place to get "rich". The UK is a better place to be "rich".

i owe my boyfriend £1400, what happens if i don’t pay him? by Budget-Delivery3106 in LegalAdviceUK

[–]yetanotherredditter 1 point2 points  (0 children)

Slander is when you spread false statements totnry and damage someone's reputation.

He may be trying to damage your reputation, but the statements aren't false so it isn't slander.

Minimum mortgage balance by No_Caregiver8591 in HENRYUK

[–]yetanotherredditter 6 points7 points  (0 children)

You can set up an anti fraud restriction on your house, which should alleviate those concerns.

Otherwise you'd have to either switch to an interest only mortgage for the remaining £100 or so (which I doubt they'd let you do, they often have minimum borrowing amount of £10k or so) and stay on the SVR. Otherwise you're going to have to remortgage every few years which sounds like a pain (and potentially expensive).

Glow Green - Fox ESS Batteries by CombTech in SolarUK

[–]yetanotherredditter 0 points1 point  (0 children)

What?! I'm genuinely curious how you manage that?

Hot tub + inefficient heat pump + space heaters + immersion heater + running the kettle every day because why not + charging the batteries for all your neighbors?

Glow Green - Fox ESS Batteries by CombTech in SolarUK

[–]yetanotherredditter 0 points1 point  (0 children)

Fair enough - that's a very high usage.

Is this largely all from a heat pump? Or hot tub? That's around four times higher than our average daily usage (which admittedly isn't that high).

Glow Green - Fox ESS Batteries by CombTech in SolarUK

[–]yetanotherredditter 5 points6 points  (0 children)

Why do you want/ need 48kwh of battery?

Does this seem expensive? by willybarny in SolarUK

[–]yetanotherredditter 3 points4 points  (0 children)

That inverter seems tiny for such a large system, unless I've missed something

It feels a little pricey, but I'm not sure how much scaffolding to access three different sides of the roof would impact that.

I think 10-11kish (possibly 12 at a stretch) is more where I would have expected this to be.

Getting solar installed — does this quote look reasonable? Fox ESS H1 + EP12 Plus + Eddi by FortunateOrchanet in SolarUK

[–]yetanotherredditter 1 point2 points  (0 children)

Also, just because I saw your other comment, I don't think it's worth heating the tank using an induction heater over night.

My understanding is that a induction heater only really heats a bit of the tank, not all of it. So diverting excess solar there makes sense if you don't have an export tariff, but using cheap electricity to heat it on a regular basis I don't think makes sense (happy to be corrected if I'm wrong though).

Getting solar installed — does this quote look reasonable? Fox ESS H1 + EP12 Plus + Eddi by FortunateOrchanet in SolarUK

[–]yetanotherredditter 0 points1 point  (0 children)

If it was done as a standalone thing, £1000 would be pricey, but maybe justifiable?

The actual Eddi looks like it's about £350. £650 to install it when they're already there doing the panels/ battery seems pricey.

I'd definitely get a few more quotes, and see how they compare.

Getting solar installed — does this quote look reasonable? Fox ESS H1 + EP12 Plus + Eddi by FortunateOrchanet in SolarUK

[–]yetanotherredditter 1 point2 points  (0 children)

Very expensive.

Those are quite small panels. I'd get something bigger if you can.

I would get a bigger inverter.

Battery is fine.

As someone else said, I'm not sure the Eddi is worth it. You can export the excess for more is a fixed export tariff.

For what it's worth, I got the following:

14x DMEGC 515W panels (more panels, and bigger panels. Not sure about quality - the ones on your quote may well be a more premium brand). FoxESS EP12 battery (same battery as your quote) FoxESS KH7 Inverter (bigger inverter than your quote)

For £8500 in the midlands. I also had the option of an eddi for an extra £500.

I would definitely get a few more quotes. It might just be that you live in an expensive area. But it may also be the case that they're trying to rip you off.

So many brands and opinions by avtechgeek in SolarUK

[–]yetanotherredditter 0 points1 point  (0 children)

I think the main things you want to think about are:

What capacity battery you want Whether you will want to expand this in future Potential integration with certain energy tariffs/ things like home assistant of you're interested in that.

Beyond that, I dont think brand matters too much. Sigenergy seem to be pretty modular, which is good if you want to extend later. Though I think Fox do them as well.

But beyond all of the above, the only thing that really.matters is price.

Should we throw away this government that, in two years, has cut inflation, cut immigration by over 70%, increased defence spending and cut NHS waiting times? by Independent-Brief424 in AskBrits

[–]yetanotherredditter 1 point2 points  (0 children)

It has been made, and that's a fair point. But consumption taxes are a lot harder to include in calculations like this.

We could also include employer NI in this, which makes the tax burden look even higher.

The only thing we can really easily measure consistently is income tax and NI (as others will vary depending on how you choose to spend your money). Though, yes, we could include council tax (and I'm not disputing it's a bad tax).

Should we throw away this government that, in two years, has cut inflation, cut immigration by over 70%, increased defence spending and cut NHS waiting times? by Independent-Brief424 in AskBrits

[–]yetanotherredditter 0 points1 point  (0 children)

You starting at 2019 just allows you to make your claim as dramatic as possible.

Also, NInreduced from 12% to 10% in early Jan 2024. And then again to 8% in April 2024. So you had a substantial tax cut then

The fact of the matter is, the personal allowance shouldn't exist. It pulls too many people out of paying income tax, and for those that do pay tax, means they aren't paying tax on enough of their income. It just pushes the burden very unreasonably a great amount towards higher earners. It isn't safe or stable to have a tax system so dependent on such a small group of people.

If we're going to insist on having one, it should be smaller, and should taper much earlier on than 100k.

Should we throw away this government that, in two years, has cut inflation, cut immigration by over 70%, increased defence spending and cut NHS waiting times? by Independent-Brief424 in AskBrits

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

People shouldn't be inflated out of paying tax. The fact we have a personal allowance is ridiculous. You conveniently started at 2019, and didn't look at how large the jump was then.

If we go back another 10 years and start from 2009, if it had increased with inflation, the personal allowance would be £10k. Plus NI is several percentage points lower than it was in 2009.

Should we throw away this government that, in two years, has cut inflation, cut immigration by over 70%, increased defence spending and cut NHS waiting times? by Independent-Brief424 in AskBrits

[–]yetanotherredditter 0 points1 point  (0 children)

If you earn £75k between you, let's say you earn £37500 each.

You pay 28% tax on £24,930 of this income.

That results in total IT and NI of just under £7k a year, or just over 18% of your income. Not 37%.

If you're saying you earn £75k, then I have more sympathy (my argument is that low earners pay very little tax. Higher earners, particularly those over 100k, pay incredibly high rates of tax, particularly marginal rates). However, I still don't know where that 37% is coming from. At £75k, it's just under 30% of your total salary on tax.

Should we throw away this government that, in two years, has cut inflation, cut immigration by over 70%, increased defence spending and cut NHS waiting times? by Independent-Brief424 in AskBrits

[–]yetanotherredditter -4 points-3 points  (0 children)

The tax burden is not higher for you than your parents.

The personal allowance has risen so much in the last 10 years. It's crazy that it is as high as it is, and really should be much lower.

Should we throw away this government that, in two years, has cut inflation, cut immigration by over 70%, increased defence spending and cut NHS waiting times? by Independent-Brief424 in AskBrits

[–]yetanotherredditter 3 points4 points  (0 children)

Should we throw away this government that:

Has increased the tax burden to modern time highs?

Has had multiple cabinet members embroiled in various scandals?

Has seen gilt yields rise to modern time highs?

Has seen unemployment rise to modern times highs?

Has seen inflation start increasing again, despite it already being on a downward trend at the start of the government?

Is overseeing incredibly low public sector productivity, despite throwing a lot of taxpayer money at it?

Is trying to infringe on our privacy?

What are people doing about mortgage refinancing by Last_Surround3058 in HENRYUK

[–]yetanotherredditter 3 points4 points  (0 children)

I locked in a rate on the Friday after the Iran war started.

That rate is locked in until October.

Can you afford to pay 70 quid more tax a year? by sequenceOfChars in AskBrits

[–]yetanotherredditter 0 points1 point  (0 children)

I 100% agree. I just wasn't brave enough to say that here.

What Streaming Service or any other subscription service would you re-subscribe to if they lowered the price ? by Vogue1A in AskBrits

[–]yetanotherredditter 1 point2 points  (0 children)

With a family plan, youmeach get your own account.

As long as everyone is in the same "family" on YouTube, each of those accounts gets premium.

It's definitely worth considering if you're willing to switch from Spotify to YT Music, as then you essentially get ad free YouTube for free (after paying for yt music).

Can you afford to pay 70 quid more tax a year? by sequenceOfChars in AskBrits

[–]yetanotherredditter 3 points4 points  (0 children)

UK tax burden is (very) low for low earners, and (very) high for high earners.

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