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Food. We get it. You don't. e: ACP-131 is the main source for Q codes and Z codes that you use on radio Guavanaut fucked around with this message at 09:00 on Sep 27, 2022 |
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Sep 27, 2022 08:57
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https://twitter.com/LeftieStats/status/1574670179610423296?t=KuNRqdVXILQUFlupl4qwpg&s=19 Any other leader would be 20 basis points ahead
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Sep 27, 2022 09:05
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Guavanaut posted:The first thing I changed in my house was moving the radiator in the kitchen, which was placed at the far end so that the only part of the room that it heated up properly was the fridge. Speaking of central heating design, here's a different take. We visited some relatives who where back in Finland last sunday (moved to Sweden in the 1970s), they come a few times every year since they own my grandfathers fathers old house which is a small 90-100m2 house way out in a rural area. I don't think I've been there in 20 years. But I was struck at how well designed the house was from a heating standpoint. Basically four rooms on the bottom floor, kitchen and living room and two bedrooms. Kitchen and living room basically one room. Everything is built around the center of the house which is made up of a massive chimney stack. The kitchen area has a wood stove for cooking, the living room has an open fireplace, the bedroom has a masonry heater. They kept the place at a sweltering 25C without using a single kWh. Just a sensible and cold tolerant design and warms every room in the house. A twist on "central" heating. Modern houses are better insulated, but older designs have such a practicality about them. And longevity.
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Sep 27, 2022 09:06
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Mourning Due posted:😬 same. September 2024. ~£270k to go. Paying ~£2350 a month, which is £1000 over-pay, £450 in interest. If rates go up to 6%, and that's what we remortgage on, if I've done my math right (highly unlikely tbf), we'd be paying ~£1350 in interest each month 😐. I took my cats (11 years old) abroad when I went to live o/seas but that was 15 years ago. British regs at the time meant they had to travel cargo and use a specialist company. They had to go through various vet checks and spent the 7 days before moved at the pet co facility in Heathrow. Cost me almost £2k back then for 2 of them. NB they are NOT sedated for travel because they need to be able to moderate their own physiological responses if there's a problem which they wouldn't be able to do if sedated. My main learning points were Have somewhere to stay that accepts pets booked near the airport at the other end (mine came on the same plane as me albeit in cargo) but it still took about 6 hours to get them. And have someone at the other end who would be willing to accept' them if things don't go straightforward for you and/or who will line up litter tray and food for the first day or two (especially if you are staying near airport) Try to get direct flight no changes too many pets get lost during transfer or escape and get lost in the airport. Things might be a bit different these days but check out and Google emigration forums.
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Sep 27, 2022 09:10
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learnincurve posted:When you look at the big financial picture someone who works in IT earning £32k a year has less money than me. They are - £300k on house, car, credit card, student depts and so on I work in IT. I rent, own no car (London, see), my credit card is paid off and I have no student debts (  , see)  (Also, I own three duvets ;p)
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Sep 27, 2022 09:12
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KamiKwasi Kwarteng https://twitter.com/KidbrookeKing/status/1574379965759504386
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Sep 27, 2022 09:16
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Ugh first cold day of the year and my central heating is hosed off. It's not the boiler, the valve I turn to add water to the system works but as soon as I turn it off the pressure drops to nil so there must be a leak somewhere in the loop even though I can't find anything. Not exactly thread-relevant but it definitely makes me ponder the fate of a winter without heating being absolutely loving grim, and if anyone has any sage advice before my plumber comes back to me, it's welcome. E: pressure gauge just went back up to 2 bar by itself and the heating is working again now. ??? ?????
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Sep 27, 2022 09:36
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Failed Imagineer posted:Ugh first cold day of the year and my central heating is hosed off. It's not the boiler, the valve I turn to add water to the system works but as soon as I turn it off the pressure drops to nil so there must be a leak somewhere in the loop even though I can't find anything. That's generous, your heating is just helping you prepare psychologically for the winter
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Sep 27, 2022 09:37
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Failed Imagineer posted:Ugh first cold day of the year and my central heating is hosed off. It's not the boiler, the valve I turn to add water to the system works but as soon as I turn it off the pressure drops to nil so there must be a leak somewhere in the loop even though I can't find anything. Air somewhere in the loop, maybe?
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Sep 27, 2022 09:38
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Mourning Due posted:😬 same. September 2024. ~£270k to go. Paying ~£2350 a month, which is £1000 over-pay, £450 in interest. If rates go up to 6%, and that's what we remortgage on, if I've done my math right (highly unlikely tbf), we'd be paying ~£1350 in interest each month 😐. Oof, that's quite a commitment. I still have 13 years to go but have been overpaying too, and I'm down to about £44k remaining now. I think I could pay it all off in May/June or a year later at the very worst - that would just after my fix runs out. Unfortunately we have kind of committed to helping a family member who can't work and has an interest-only mortgage that ends in about five years. It's going to be a lean period for us.
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Sep 27, 2022 09:39
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Jedit posted:Air somewhere in the loop, maybe?
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Sep 27, 2022 09:42
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If I could I'd have bought a place that never got central heating kludged into it in the 70s and just fitted some proper HVAC in the attic, because gently caress having tubes of gross water going all over the place to metal rads fitted in the stupidest places. This thought is of gently caress all use to either of us at this point though.
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Sep 27, 2022 09:43
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Will be renewing my mortgage in early 2024 with around £126k still owing. Not excited about that prospect.
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Sep 27, 2022 09:44
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Mebh posted:Huh, it was fine over summer and the heatwave even though it definitely got above 45. The internal temp didn't waver. Its a socking great big, silver floor to ceiling fridge tho from Spain. Guess I'll keep dig out the user manual and see if they have guidelines
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Sep 27, 2022 09:53
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The fridge is a space heater that also makes a small area cold.
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Sep 27, 2022 09:55
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I would imagine the best place for the fridge is actually outside, if you can stomach the inconvenience
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Sep 27, 2022 10:00
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Ground source fridge.
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Sep 27, 2022 10:12
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Kegluneq posted:You should actually be keeping your fridge in noted coldest room in the house, your bedroom
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Sep 27, 2022 10:14
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I feel like I'm going to be very grateful over the next few years that we locked ours in a 2.85% for the next 10 years (of an 11 year mortgage). The BOE interest rate is now .1% below that! A quick google says we'd be paying an extra £100 a month to get the same deal now.
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Sep 27, 2022 10:22
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TACD posted:When’s the last time they tried to blame things on “the last Labour government”? Whatever happened to the classics? That's beyond the pale now, the new line is that the turmoil is actually the fault of the next Labour government. https://twitter.com/andrew_lilico/status/1574533074360025088?s=20&t=ypGasjKoUN7hVXpKtTpAvg
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Sep 27, 2022 10:24
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His Divine Shadow posted:Speaking of central heating design, here's a different take. We visited some relatives who where back in Finland last sunday (moved to Sweden in the 1970s), they come a few times every year since they own my grandfathers fathers old house which is a small 90-100m2 house way out in a rural area. I don't think I've been there in 20 years. But I was struck at how well designed the house was from a heating standpoint. You don't want to look into the air pollution effects of wood-burning stoves then... Wood burning produces lots of invisible particulate matter when burnt, even dry wood, that is damaging to the lungs and a major cause of respiratory diseases and heart failure. It certainly beats freezing to death, but gas heating is alot healthier than wood burning and a worthwhile upgrade, even if a wood fire is cozy.
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Sep 27, 2022 10:24
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Jedit posted:Air somewhere in the loop, maybe? Yeah honestly it's probably that, even though the plumber bled all the rads yesterday, it probably just dislodged an air-bubble that was lurking somewhere, somehow and is now messing with my mind. Cheers, Marxist home-repair group mind!
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Sep 27, 2022 10:26
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https://twitter.com/jeremycorbyn/status/1574686049233780738 lol eat shitt Millett https://www.bailii.org/ew/cases/EWHC/QB/2020/1848.html
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Sep 27, 2022 10:26
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Nothingtoseehere posted:You don't want to look into the air pollution effects of wood-burning stoves then... I know all about that actually and it's not really a problem with a good burning setup and particularly not in a non urban area. I know most firewood stoves outside the nordics are polluting inefficient shits so I can understand someone not from here would have a different view. Going from a local renewably sourced fuel to a fossil fuel is absolutely the worst thing I could imagine.
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Sep 27, 2022 10:27
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Our mortgage's 5-year fixed period ends in February, so I am definitely going to take a good long look at the numbers to switch to a new fixed rate asap. Problem is that we want to leave the UK in a couple of years so we can't fix it for too long either.
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Sep 27, 2022 10:31
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Guavanaut posted:If I could I'd have bought a place that never got central heating kludged into it in the 70s and just fitted some proper HVAC in the attic, because gently caress having tubes of gross water going all over the place to metal rads fitted in the stupidest places. I do love our air duct central heating. I think I'd struggle placing objects in a room if there were suddenly radiators on the walls! It's not common here though, I think it is in the US, but the Dutch find it slightly odd too. It's not going on yet though. Instead I'm wearing most of Uniqlo's heattech range, which is the same as my usual WfH-wear, but fuzzier.
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Sep 27, 2022 10:32
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feedmegin posted:I work in IT. I rent, own no car (London, see), my credit card is paid off and I have no student debts ( Same for me, except I still have a student loan and don't live in London (still no car). I think the worst part is the rent, I do live in a small studio alone, but across bills and rent I'm spending about 70% of my after-tax income on it. That is not a joke. And I earn substantially more than 32k. Things are tough if you don't have a house, far more so than if you do but only earn half as much.
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Sep 27, 2022 10:38
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Really can't be overstated how little Labour is doing to win anyone over, and that the massive poll lead is much more precarious than you'd assume https://twitter.com/chriscurtis94/status/1574687760690032642?s=20&t=rJG6nTLZTK1RxpzRHLj9mQ How many Tory -> don't know switchers will just vote Tory? I'd bet most.
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Sep 27, 2022 10:40
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I was annoyed that we had to re-fix our mortgage a few months ago, thinking we'd missed the boat on the good rates and had to settle for poo poo. We fixed for 5 years just for safety and holy poo poo we got lucky. Equally we got lucky and swapped single to double glazing last year as well. Lots of upfront cost and we had to borrow to make it happen which is less than ideal, but at least it's an actual honest-to-god cost saving in the long term. Count us in among the "bought a house with insane radiator placement" though. One in the hall right by the front door, one in the living room right behind the only sensible place to put a sofa so you just block the majority of the heat, bedroom ones right under windows, kitchen one at the very far end of the room basically next to the back door... most of it is loving pointless.
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Sep 27, 2022 10:50
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Darth Walrus posted:Right, so just to be clear, bonds are free-market goods, yeah? They're little pieces of government debt that you can buy and sell to each other? Tesseraction posted:The way a bond works is you give it to someone now for £1000, with the promise that after the time is up (1 yr, 5yrs, 10yrs) you have to pay them back the £1000 plus whatever the yield percent was when they bought it. This is the underpinning of how government debts work. Darth Walrus posted:And this is markets asking for this from the Bank of England, is it? Or just from each other, with the increased demand for potentially high-interest bonds naturally driving up the sale price between private buyers and sellers? Jel Shaker posted:you give the government 100 and get your money back plus a few percent after X years Tesseraction posted:The government issues the bonds. When you're doing it privately it's just stocks and shares, basically. Just to clarify this issue as there appears to be quite a bit of confusion here. First is that bonds are completely different to stocks and shares. Bonds are essentially interest only loans of a specified length, they don't have to be government issued - sometimes companies sell bonds as a way to gain cheaper finance than a bank if they think it's possible, usually as paying the interest as goods or services not as cash (think Hotel Chocolat etc). But government bonds (called gilts in the UK and some other ex-colonies) are a mechanism for governments to borrow money. One of the main points here is that the interest is paid periodically during the length of the bond and not at the end; so this one way a government can default on debt, not just failing to pay the principle sums at the end. Another important point is that bonds can be issued in any currency. It's unusual for a mature country to issue bonds in anything but its own currency though, but this is also why you would've seen a lot of fuss about Russia defaulting on debt because it holds bonds that are in other currencies such as USD, EUR, or GBP. If your currency collapses you can't print money to pay off your debts. But if you just print money to pay off your debts in your own currency you'll also risk high inflation. The yield of bonds is determined by essentially an auction mechanism when they sell the bonds. If people won't buy at a low yield the government has to sell at a higher yield. But if you own a 1% bond and you can now get them at 10% it also makes sense for you to sell your existing bond at a small loss and buy the higher yield bond afresh. Now here comes the rub: traditionally bonds were sold to private investors but since the financial crash they often used a mechanism called Quantitative Easing. QE is when the Bank of England buys the bonds off the government and is essentially printing money. According to Google something like 25% of UK bonds are owned by the BoE. So why issue bonds the BoE buys instead of just printing the money? Because the bond mechanism allows you to reverse this process by the BoE selling bonds it owns and essentially making it 'real debt' again, reducing the money supply in the process. If you didn't use bonds your mechanism of reducing money supply would have to be through taxation and running a budget surplus, which lol lmao isn't happening anytime soon. So that's why people are in a complete panic: We have much much higher inflation now than in the 2000s/2010s so using QE (which is cheap, not real debt) might trigger further inflation that's hard to manage, but not using QE will turn out to be very expensive as the yields go up.
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Sep 27, 2022 10:51
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Lord of the Llamas posted:So that's why people are in a complete panic: We have much much higher inflation now than in the 2000s/2010s so using QE (which is cheap, not real debt) might trigger further inflation that's hard to manage, but not using QE will turn out to be very expensive as the yields go up. it's more to do with the fact that if your bond is denominated in £ and it's yield is x and £ inflation is y, if x/>y then you're out of the money
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Sep 27, 2022 11:05
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Rustybear posted:it's more to do with the fact that if your bond is denominated in £ and it's yield is x and £ inflation is y, if x/>y then you're out of the money Yes that's why the private sector bids on the yields goes up. I was talking from the government's perspective. The inflation is bad because it makes both QE and normal debt harder to do. Inflation was already very high all year but people only started to panic as much when Truss et al announced they were going to get a whole lot more debt on the go.
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Sep 27, 2022 11:07
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His Divine Shadow posted:I know all about that actually and it's not really a problem with a good burning setup and particularly not in a non urban area.  european environmental bureau study source from 2021
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Sep 27, 2022 11:08
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I'm convinced a wood burning stove in my parents' living room was a substantial contribution to my dad's oesophageal cancer which went undiagnosed until it was stage 4 too late. HIs chair faced the stove directly and whenever I visited I was almost choking in the smoke it output but the folks never seemed to notice despite me complaining about it every time. Neither of them smoked (apart from dad literally a handful of cigars in the 1970s fewer than 20 total).
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Sep 27, 2022 11:10
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my plan to survive energygeddon was to burn through the massive store of logs we've dilligently collected during previous years storms etc so this cheers me right up
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Sep 27, 2022 11:16
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Jaeluni Asjil posted:I'm convinced a wood burning stove in my parents' living room was a substantial contribution to my dad's oesophageal cancer which went undiagnosed until it was stage 4 too late. You get lung or oro/nasopharyngeal cancers from smoke. Oesophageal is usually uncontrolled reflux but iirc smoke wouldn't contribute mainly cos it doesn't get there.
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Sep 27, 2022 11:18
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Lord of the Llamas posted:Yes that's why the private sector bids on the yields goes up. I was talking from the government's perspective. The inflation is bad because it makes both QE and normal debt harder to do. Inflation was already very high all year but people only started to panic as much when Truss et al announced they were going to get a whole lot more debt on the go. im not really following the explaination tbh it's bad because it makes it more expensive to issue new debt and more expensive to buy it back, hamstringing the available policy tools Rustybear fucked around with this message at 11:21 on Sep 27, 2022 |
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Sep 27, 2022 11:18
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Not worried in the slighest, europe is full of old crap and bad designs, even a lot of modern stoves are pretty bad. The air quality in Finland is measurebly one of the best in the world and the air consistently measures low particulates and pollutants, despite most homes have firewood stoves here. When a firewood stove works properly you don't get smoke or particulates, just a heat haze. That's basically what a 19th century kakelugn is capable off so it's not modern tech. But most of the world never had a need to be efficient with firewood like we did up here.
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Sep 27, 2022 11:24
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Surprise T Rex posted:I was annoyed that we had to re-fix our mortgage a few months ago, thinking we'd missed the boat on the good rates and had to settle for poo poo. We fixed for 5 years just for safety and holy poo poo we got lucky. Equally we got lucky and swapped single to double glazing last year as well. Lots of upfront cost and we had to borrow to make it happen which is less than ideal, but at least it's an actual honest-to-god cost saving in the long term. I've totally removed two useless radiators earlier this year for precisely the same reason. One of them gave some more space for extra kitchen cupboards, and doing it might end up saving a few quid this winter too!
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Sep 27, 2022 11:25
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Bobstar posted:I think I'd struggle placing objects in a room if there were suddenly radiators on the walls! Surprise T Rex posted:Count us in among the "bought a house with insane radiator placement" though.  The bathroom one (gross) and the kitchen one (fridge warmer) had to go though, and the bedroom one (under curtains) too when I have a half-decent solution. My grandad lived in a place with hot air vent heating, think it was oil fired through a heat exchanger. It worked well but meant there were parts of the floor/skirting that you couldn't cover. Also dust, but radiators are terrible dust magnets too so. If I got a chance to do-over without the 70s central heating I think I'd go for high wall indoor units on a heat pump, most of them have pop-out filters now that you can just hoover. 
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Sep 27, 2022 11:31
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