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[DealorNoDeal]

Trouble is, if you don't settle then you'll have to pay the loan charge which you can't get back either.

In most cases, settling works out cheaper than paying the loan charge. Settling also brings closure. Unfortunately, if you do settle, there will be some more money to pay, namely late...

[DealorNoDeal]

Neat solution.

Once the batteries are fully charged, sending the power to an immersion tank makes eminent sense. It might even be worth considering swapping the tank for a bigger one.

Even on a cloudy day, when the panels aren't producing much power, every Watt you send to...

[DealorNoDeal]

For me, the benefit of a long EV range would be never needing to use public charging stations....

[DealorNoDeal]

That would take a huge cut in the price of electricity. Currently, electricity is 21p/kWh and gas is 4.5p/kWh. I was surprised to discover that economy 7 isn't all that much cheaper than standard electricity.

https://nottenergy.com/resources/energy-cost-comparison

Or a massive...

[DealorNoDeal]

Good questions. Charging cars overnight would certainly be a good use of off-peak, although obviously not solar power. ...

[DealorNoDeal]

Charging issues aren't insurmountable but, as vetran says, the bigger problem is grid capacity. If cars and homes are to switch from fossil fuels to electric, then we need a lot more of it....

[DealorNoDeal]

Wind and solar innit. ...

[DealorNoDeal]

It depends on how the technology evolves. I would expect batteries to constantly improve and the cost to come down.

It may not be long before a typical EV can do 500 miles on a full charge. Even if it can only achieve half of that range after several years, it would still be a viable run...

[DealorNoDeal]

Yes, houses/flats without drives are a bit of a problem.

With the mileage range of EVs increasingly rapidly, if you've got a drive, then charging infrastructure isn't so much of an issue because you can charge overnight from a regular mains socket.

If everyone had a drive then...

[DealorNoDeal]

Perhaps the store worker was referring to the dog. Maybe it is a bit of a fugly mongrel.

[DealorNoDeal]

Sounds like a nice little earner. I know I'd look dog rough as a woman, so I'd be quids in. Just need to persuade the missus to lend me some of her clothes and make-up.

BTW, I'm surprised she hasn't changed her name to Yeowomans....

[DealorNoDeal]

Too true. All we've got is Felicitas' word that they are the legal holders of the loans.

I can't believe they're still carrying on with this charade. Haven't they got any more legit lines of business to pursue?...

[DealorNoDeal]

I'm afraid you may have to chase them.

One thing that usually makes them get their finger out, is if you go through your Member of Parliament. MPs deal with HMRC on behalf of constituents all the time. I don't know whether you would be comfortable involving your MP but it's something to...

[DealorNoDeal]

One thing I do agree with is that there is something highly dubious about Trustees flogging off the loan book to another party. I'd like to see them justify how that's in the best interests of the beneficiaries.

[DealorNoDeal]

Indeed. I know people who are facing interest bills, from the early 2000s, of 80%. On £100k tax, that's an extra £80k!...

[DealorNoDeal]

Anyone been on holiday somewhere where you have to wear a mask outdoors (on the street, beach)?

Not sure I'd fancy that.

[DealorNoDeal]

Our local garage/general store has always been a hotspot for catching colds, flu etc.
At least now I can a wear a face covering without looking like a total

[DealorNoDeal]

Yep. The term trading sounds a bit more respectable but it's really just betting/gambling (staking money, for the chance of gain, on an uncertain outcome).

And like other forms of gambling, it's a negative sum game because you always lose money to the "house". In the case of...

[DealorNoDeal]

If you want this hobby to make some money, rather than lose money, you need to figure out what the "obvious prerequisite" to success is before you start.

https://www.elitetrader.com/et/threa...obvious.151802

How are you going to select which...

[DealorNoDeal]

Unless you're glued to a screen day trading, it's not likely to be a retirement hobby which fills much of your time either....