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  1. Mercenary Keyboard Warrior

    Cost of Living Crisis

    There was a lot of this, and in general most commercial property isnt great for turning into housing. Yes old shops etc great, some nice mills etc can be great also But the old 60s office blocks etc are basically producing vertical slum levels of density
  2. Mercenary Keyboard Warrior

    Circuit breaker problem.

    Thats dodgy, has someone tapped into the circuit for something else? Have you checked everything works still with it off at the circuit board. Something like a bathroom fan (depending on location of tank) could be wired into that circuit. Or a heating pump or similar
  3. Mercenary Keyboard Warrior

    Energy Suppliers (strictly no referrals)

    Cashflow (mainly irrelevant) probably but they would have had to keep their assets and liabilities straight (required by law)
  4. Mercenary Keyboard Warrior

    Energy Suppliers (strictly no referrals)

    Right, was hard to keep up with the crossed posts. My understand on the "lost" monies is : The suppliers who were forced to buy at spot rates above the rate they could charge would be buying say 100,000 units at 40p and selling at 30p. The total amount was mainly coming from consumers funds and...
  5. Mercenary Keyboard Warrior

    Mortgage advice

    SVR is almost always a terrible thing to be on About the only time you want to be is if you are imminently going to do something you couldnt do under most fixes fee free (like a massive payment or switching lenders etc)
  6. Mercenary Keyboard Warrior

    Energy Suppliers (strictly no referrals)

    Hes probably also technically right however. Long term hedged purchases will be contractual and not involve large cash movements at the start. There is not just hedging but spot buying and my understanding is that even the biggest also spot buy some of the energy. Its I believe fine to use our...
  7. Mercenary Keyboard Warrior

    Energy Suppliers (strictly no referrals)

    My understanding is they don't HAVE to keep them segregated. https://www.centrica.com/media-centre/news/2022/consumers-demand-energy-suppliers-protect-credit-balances/ Its of course good practice to. Its a somewhat difficult balancing act, I mean when an energy supplier has to buy in advance...
  8. Mercenary Keyboard Warrior

    Mortgage advice

    Yes within reason but its more complicated. They may have contracted borrowings at say 1% so they add their margin and can offer that rate. Where they use their own funds, or may need to raise capital later they will be more cautious and look for a higher rate Reality is it all blends into one...
  9. Mercenary Keyboard Warrior

    Heat pumps vs Gas boiler ?

    Exactly I have no idea what hes waffling on about As you say unless you are converting the 3kwh of energy being consumed by the immersion to some other form of energy/radiation by default its converting that to "heat energy"
  10. Mercenary Keyboard Warrior

    Circuit breaker problem.

    I doubt its earth leakage, mine can do the same as yours when you turn a circuit off it can trigger the RCD as they are sensitive. Just all off and then all back on and its fine
  11. Mercenary Keyboard Warrior

    Energy Suppliers (strictly no referrals)

    Very few businesses earn interest on their banking. Business accounts tend to be more expensive to run (pay per transaction) and offer no or very limited interest. My predicted and of "period" is currently £45 debit. I haven't been to BG for long though so its maybe not accurate yet. I did...
  12. Mercenary Keyboard Warrior

    Circuit breaker problem.

    Turn the main switch off (plus all RCDs etc), and all the sub ones. Switch the main back on then add them back individually You probably triggered one of the protection circuits (RCD probably) and it needs to be reset as well
  13. Mercenary Keyboard Warrior

    Heat pumps vs Gas boiler ?

    How do you know, can you see it? ;)
  14. Mercenary Keyboard Warrior

    The Post-Brexit Thread

    Actully cba
  15. Mercenary Keyboard Warrior

    Heat pumps vs Gas boiler ?

    Well yes and no, all devices that heat on demand right now apart from heat pumps/ac type units are all in effect 1:1 devices, immersions, instant boil taps, showers etc etc An immersion is 100% efficient as is a kettle, an electric shower etc My immersion is like 3kwh (its a backup) it could be...
  16. Mercenary Keyboard Warrior

    Mortgage advice

    I think its designed to make the decision now, ie should i ditch my deal based on whats available now and no assumption it will change I suppose the thing to do is to not put your actual rate in, but the rate that you think its likely to be when you fix ends, Ie use it predictively
  17. Mercenary Keyboard Warrior

    The Post-Brexit Thread

    I dont disagree, but its clear evidence that a silly low CT rate will attract business investment there
  18. Mercenary Keyboard Warrior

    The Post-Brexit Thread

    Yep, see Ireland
  19. Mercenary Keyboard Warrior

    The Rise and Fall of Donald Trump

    Thats not good they need to be sent on a woke course. Woke has taken over dont you know ;)
  20. Mercenary Keyboard Warrior

    Cost of Living Crisis

    Thats my point, for your reality to be true (its not) landlords would ignore every single thing that went in their favour, but react to every single thing that went against them Just like a business would ideally do, reality is that in the real world you cant, and its not how they work Your...
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