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At this point I am pro building nuclear reactors just to annoy the worst idiots imaginable who are scared of them.
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Aug 8, 2022 18:07
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Just avoid shoving random poo poo in it because Churchill wants a hydrogen bomb quickly.
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Aug 8, 2022 18:12
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We should really be investing in tidal power (sfe Shetland); we're an island with huge tidal flows, the seven estuary is the second largest tidal bore in the world. The gov basically looked at it in the noughties and said nah it'll take 10 years+ to show any benefit and here we are. There's also scope for small scale geothermal power in the uk, but it more regional. I'm all for nuclear but I'm extremely unconvinced it's cheaper or greener than either tidal or geothermal in the long run. Big hydro dams are a bad idea imo, expensive, unpopular and unreliable; Norway are currently buying power off us becasue their dams have all dried up. I'm not hating on nuclear too much but France is the poster boy for nuclear power in europe and it hasn't really helped them avoid the crisis Rustybear fucked around with this message at 18:39 on Aug 8, 2022 |
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Aug 8, 2022 18:34
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Tidal is quite a bit more expensive than wind per kWh, but it makes up for it by being extremely reliable, if episodic. They should have built that lagoon in Wales.
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Aug 8, 2022 18:37
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Guavanaut posted:Tidal is quite a bit more expensive than wind per kWh, but it makes up for it by being extremely reliable, if episodic. They should have built that lagoon in Wales. yeah it's why we've never really done it but along with geothermal it's the holy grail of fully renewable, invisible to the average punter, and reliable as clockwork if the alternative is nuclear power plants or massive hydroelectric dams tho then the capex isn't such a barrier i think piecemeal wind and solar will be the actual future tho becasue the barriers to entry are so low and you can be up and running on a timescale of months not years; as a society we're just not able to handle long term investment and management needed.
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Aug 8, 2022 18:42
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Yeah it'll probably be that and zero VAT on big home batteries you can't afford for your home you also can't afford #ReadyForRishi
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Aug 8, 2022 18:50
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OwlFancier posted:At this point I am pro building nuclear reactors just to annoy the worst idiots imaginable who are scared of them. Spunking 10s of billions up the wall to own the libs seems a bit silly
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Aug 8, 2022 18:51
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It seems to be the only thing that gets you elected these days.
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Aug 8, 2022 18:53
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Tell you what theres a whole load of windmills in the north sea. I mean, I knew there were some, but it'd been a while since I saw them and there's definitely way more than I remember. Couldn't tell you if they were feeding the Netherlands or the UK though.
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Aug 8, 2022 18:57
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Yeah there's a lot of offshore wind projects nearly finishing construction or coming on line
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Aug 8, 2022 19:03
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one of the issues with tidal is it's pretty devastating to the local ecosystems, unlike wind which is basically harmless excepting the occasional highly unlucky bird
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Aug 8, 2022 19:09
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Julio Cruz posted:one of the issues with tidal is it's pretty devastating to the local ecosystems, unlike wind which is basically harmless excepting the occasional highly unlucky bird Don't they do a number on bats? Or is that another overblown thing?
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Aug 8, 2022 19:17
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Guavanaut posted:You don't need to go to Hell when you can go to Cornwall I've been knocked back for " Clacton: When Benidorm is too snobby"
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Aug 8, 2022 19:26
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A classic of the genre… 
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Aug 8, 2022 19:29
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Scientastic posted:Anyone who’s ever been to the London Transport Museum multiple times (because if you live here you can use that ticket for a whole year) knows that driving a tube is actually properly hard Was at the transport museum today with the kids They preferred pretending to drive the DLR 
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Aug 8, 2022 19:55
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smellmycheese posted:A classic of the genre… I'll say this is a parody because of the "Just for being English" meme.
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Aug 8, 2022 19:55
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Mebh posted:Don't they do a number on bats? Or is that another overblown thing? Presumably not if they're in the middle of the sea, doubt there are many bats out there.
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Aug 8, 2022 20:16
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Got a hilarious prank email from British Gas today trying to persuade me to change to a fixed tariff.  Can't wait to jump on that sweet sweet deal. God save britannia
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Aug 8, 2022 20:20
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smellmycheese posted:A classic of the genre…
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Aug 8, 2022 20:20
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Gonzo McFee posted:I'll say this is a parody because of the "Just for being English" meme. https://twitter.com/boblister_poole/status/1556713877554995200 fake edit: like allison bailey going straight from a victory lap about how her employment tribunal ruling was a landmark in protecting the right to freedom of speech and expression to 'this sign saying 'we support our trans siblings' constitutes illegal discrimination and shouldn't be allowed', it's too cack-handed even for a satire, but here we are anyway https://twitter.com/BluskyeAllison/status/1556350764569829380?cxt=HHwWiIC9wcixopkrAAAA Apraxin fucked around with this message at 20:32 on Aug 8, 2022 |
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Aug 8, 2022 20:25
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Wasn't sure where to ask this question, but figured this was the best place.. I'm finally (in my mid 40s admittedly) looking at being able to afford a deposit and buy somewhere rather relying on landlords deciding not to convert where I live to an airbnb. I have no idea where to even start though, since I've been renting all my life, and most of my friends and family bought a long time ago so aren't really up on the way things work currently. I was looking at https://www.moneysavingexpert.com/first-time-mortgage/ to get my head round all the stuff I need to think about and ultimately do - but was wondering if there were any other recs for good sites to start with advice/guidance for a first time buyer who has zero clue how to go from having enough for a deposit to actually buying somewhere?
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Aug 8, 2022 20:45
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I'm told you can already get zero vat on gone batteries if there is any element of solar included in the install.
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Aug 8, 2022 20:56
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Danger - Octopus! posted:Wasn't sure where to ask this question, but figured this was the best place.. I'm finally (in my mid 40s admittedly) looking at being able to afford a deposit and buy somewhere rather relying on landlords deciding not to convert where I live to an airbnb. I have no idea where to even start though, since I've been renting all my life, and most of my friends and family bought a long time ago so aren't really up on the way things work currently. MSE is good. Do you have a mortgage broker? My advice would be to chat to one and get a mortgage in principle agreed for however much you can reasonably get with your deposit and earning and whatnot, then look for houses up to that value. Much easier to make an offer on a property if that's already taken care of, and you might be surprised (one way or the other) how much you can actually afford. Lots of fees can be rolled into the mortgage, others can't, and off the top of my head I don't remember which, but the broker should be able to advise you of that as well so you don't find yourself an unexpected £500 short or something silly.
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Aug 8, 2022 21:00
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Danger - Octopus! posted:Wasn't sure where to ask this question, but figured this was the best place.. I'm finally (in my mid 40s admittedly) looking at being able to afford a deposit and buy somewhere rather relying on landlords deciding not to convert where I live to an airbnb. I have no idea where to even start though, since I've been renting all my life, and most of my friends and family bought a long time ago so aren't really up on the way things work currently. Does this link help at all? https://www.moneyhelper.org.uk/en/homes/buying-a-home/first-time-buyer-money-tips Also: with interest rates rocketing up, do your calculations on the assumption that they might hit 10% or even more. I do not recommend being 'optimistic' here. I remember when they were 15% and even just 15 years ago (seems like a couple of years to me!) they were 8%. Be aware that fixed rate mortgages usually come with a big fat non-refundable fee if your application is unsuccessful. So yes, as Sebzilla says, use a broker. I'd also say, make a list of your 'red lines' and be prepared for them suddenly to become amber or even green! I was renting quite a large 2-bed flat and when I first walked into this one I live in now - a tiny 1-bed flat - I thought 'no this is just too small'. Went home, thought about it overnight and decided it was the only place I could possibly afford as getting a mortgage when you're pushing 60 and got no employment income is practically impossible so I had to be able to scrape dough together, so getting rid of stuff rather than trying to get a bigger place to house stuff became a high priority! As Will Smith's father apparently said when Smith first got rich and was looking at having 10 motorbikes, cars etc "Son, you only got one arse!" Are you thinking of a future involving a partner and maybe kids? Bear that in mind too: space or sellability might be more important. Location - do you need good access to GP or hospital, schools, public transport and so on. Also check local FB groups for green/nimbies up in arms about potential developments they might have got wind of. Most people do pay for solicitors to do searches, but IMHO searches are only as good as they day you do them. (The searches could be done and nothing is showing and the next day someone might wang in an application for a complete redevelopment of that lovely vista you are overlooking to become high density executive housing or whatever.) Be aware you will probably need upfront money for various things outwith the deposit. Solicitors will probably insist on eg payment for searches up front, if you're buying a flat you might be in for paying 1 year service charges up front and so on. Service charges - whatever happens, if you're buying a leasehold - check out carefully service charges and ground rents, whether there is a 'sinking fund', a friend was bragging about her very low service charges compared to a flat I used to own about 20 years ago, only to get hit with a £10k charge as her share for essential works for the block she had just bought in as there was no sinking fund. Owning can incur more expenses than you might imagine over renting. And if you need a new boiler (£3k+) it's on you not a landlord. Just had a flat sell in my block and the buyer was a previous renter and did not understand that he is responsible for everything in his own flat and seems the vendor left an inoperable immersion heater and covered up a really nasty leak with some laminate flooring all of which the new person has to pay for. Jaeluni Asjil fucked around with this message at 21:20 on Aug 8, 2022 |
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Aug 8, 2022 21:04
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Seconding a broker for a first timer, ask around any people you know who own a house and find who they went with as personal recommendations. Lots of brokers are free as they get paid by the mortgage company, so make sure to find one you like.
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Aug 8, 2022 21:13
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sebzilla posted:MSE is good. Do you have a mortgage broker? My advice would be to chat to one and get a mortgage in principle agreed for however much you can reasonably get with your deposit and earning and whatnot, then look for houses up to that value. Much easier to make an offer on a property if that's already taken care of, and you might be surprised (one way or the other) how much you can actually afford. I genuinely didn't know what a mortgage broker until reading that site earlier today  so I don't have one. But ta, that's helpful - really had no idea what idea order to think about thingsJaeluni Asjil posted:Does this link help at all? Yes, thanks!
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Aug 8, 2022 21:16
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Danger - Octopus! posted:I genuinely didn't know what a mortgage broker until reading that site earlier today I added about 10x more to my post if you want to look back!
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Aug 8, 2022 21:18
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Solar is a waste of an investment, One day we'll have to block out the sun to stop those drat robots.
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Aug 8, 2022 21:23
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We just used trussle as our broker, and they seem sound.
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Aug 8, 2022 21:28
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Nthing using a broker. We had an unusual income situation and ours managed to find the single lender who'd accept it and negotiated us a decent rate to boot.
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Aug 8, 2022 21:55
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Once you get an offer accepted get a survey on the property. It’s another expense, but it saved me from buying a place riddled with damp.
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Aug 8, 2022 22:52
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pumpinglemma posted:I can’t tell whether this is a piss-take, or serious, or a piss-take that a tabloid editor somewhere thought was serious and included in the letters page. Only the terminally online left call their page [blank]posting, and certainly not people who speak like they're writing to the Telegraph.
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Aug 8, 2022 23:00
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Doctor_Fruitbat posted:Only the terminally online left call their page [blank]posting, and certainly not people who speak like they're writing to the Telegraph. On the other hand, Lower rear endendon is a real place, but someone who's writing something like that seriously would claim they actually live a few miles away, in Henley-on-Thames.
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Aug 8, 2022 23:04
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smiling giraffe posted:Once you get an offer accepted get a survey on the property. It’s another expense, but it saved me from buying a place riddled with damp. Not being sarcastic, walking around with the surveyor and saying "oh, what's that?" about every little oddity on a beam or pinhole of light in the roof got some extra things on there, which got me a few grand off of the property. Sadly it didn't magic that into my bank, but also I at least know that I shouldn't be building fires in the grates without getting some chimney repairs done first.
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Aug 8, 2022 23:04
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smiling giraffe posted:Once you get an offer accepted get a survey on the property. It’s another expense, but it saved me from buying a place riddled with damp. My mum's survey picked up woodworm which wasn't evident. A specialist survey said it would cost about £300 to fix so the vendor agreed to pay that when the sale completed (but wouldn't do the work in advance as they had been unaware of it).
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Aug 8, 2022 23:14
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300quid is nothing
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Aug 8, 2022 23:35
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Danger - Octopus! posted:was wondering if there were any other recs for good sites to start with advice/guidance for a first time buyer who has zero clue how to go from having enough for a deposit to actually buying somewhere? I used London and Country mortgage broker. They basically take your details and find the best deals, then sort out all the paperwork for you. We also used their recommended solicitor. The whole process was completely painless, highly recommended.
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Aug 8, 2022 23:38
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smiling giraffe posted:Once you get an offer accepted get a survey on the property. It’s another expense, but it saved me from buying a place riddled with damp. And do the follow up surveys they suggest! My place had about 8k in structural repairs needed that I didn't pick up because the sellers wanted to move very quickly. Luckily I lowered my offer by 10k because I didn't have time to do those surveys 
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Aug 8, 2022 23:53
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I was recommended the comically named https://www.unbiased.co.uk which somehow isn't a libertarian dating site but is a directory for independent financial advisors and mortgage brokers.
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Aug 8, 2022 23:59
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I've used an independent broker for every time I've mortgaged/remortgaged - 4 times in total now. Saved me a packet every time. As for nuclear energy, base loads and that... there is (I think) some hope that everybody will get electric cars, and those can act as grid storage, with bi-directional charging, which is becoming more of a thing. Depending on your energy usage and size of car I think you could get 1-4 days of average home energy use off a single car battery charge.
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