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New tyres but different speed ratings
Hi all I recently had 2 new tyres fitted (recently purchased second hand car) and noticed today the speed ratings are different on the new tyres My owners manual states the tyre should be a 215/55 R17 but the garage fitted 215/55 ZR17. My primary concern if safety as I now have 3 ZR tyres and 1 R (front nearside) (so it…
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Special Flakes
What is going on with the recipe of own-brand Special Flakes? The flakes are so hard and difficult to chew, they could break a tooth :# Lidl (Crownfield), Tesco and Morrisons have changed their recipes and the flakes are now really hard. It's possible the same manufacturer produces them for different supermarkets?
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The War against plastic waste
I don't know if we have a specific thread on here for sharing tips against reducing our plastic use - perhaps we could share them, but here's a current "bee in my bonnet". We recently received our National Trust magazine which came packaged in an oute wrapper which said: "I am 100% compostable and contain Potato Starch.…
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60+ Oyster Card trouble
Hi peeps....Annoyingly I forgot to provide evidence to Tfl that I still lived in London, so my 60+ Oyster stopped working. When I went to reapply (yep, you have to start from scratch) , the process had changed slightly. My Passport details don't align with the little boxes on the verification form as I am a European…
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Comping from abroad
Hi Can anyone tell me if it makes a difference to comp entries if I am abroad. Currently in Madeira on holiday and notice that some pages come up in Portuguese. So will they still accept my entry if it shows I am not in the UK? Am I wasting my time trying to keep up with advents? Thank you in advance D
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Breadmaker replacement
Hi, I have had a cheap no brand breadmaker for over 10 years. I use it every week to mix sourdough pizza dough and on average every couple of weeks I will make a basic, yeast based loaf. I sometimes make sourdough loaves which tend to be tastier, but as a basic machine I need to wait for it to rise as it takes a lot longer…
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Advice how to change these bulbs?
Pl how do I change these bulbs? Very high ceiling do not want to get a handyman if I can get somebody to help..
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Status of FSCS recovered ISA money
In the hopefully unlikely case of a bank holding your cash ISA failing, and you then recovering your lost investment from FSCS, will you have lost the ISA status of the recovered cash, or can you apply to have it reinstated when you take out a new cash ISA with a different bank?
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Believe I've over paid into a SIPP.
A while back I saw a FA about some money me and my husband had. I mentioned that I had various pensions with differing amounts in, many from years of temporry work and a couple larger ones. The FA recommended opening a SIPP and she collated all my pensions from the various providers and put in into this but also £16k from…
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julicorn's journey 3 - The House on the Hill
Hi all! Long time, no see, at least when it comes to the diaries (I still run the mortgage free challenges, of course). Where do I start? This is my third diary on here, the first talking about our initial mortgage pay off journey for Mr julicorn and my first flat (bought in 2017). If you have too much time on your hands,…
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IHT Gift from surplus income - capital v income question
Hi. I had a long and interesting discussion about IHT with a relative over Christmas continues. My relative's apparently had a long discussion with their boss about the subject. I've been drawn into the debate. I've aired an aspect on here about gifting and taper relief and had some great comments. Many thanks for those.…
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BookWorm's MFW Chapter
:wave: I’ve been lurking around these parts for a good while now with occasional posts here and there. However, after reaching what I consider to be a milestone with my mortgage (will come back to that shortly), I felt the time was right to start my own diary. I figured if I don’t now, I may never do so! It was after…
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Driver doesn't want to pay Horizon fine, but registered keeper does...
Hello. I've read the newbies post, scoured this board and done a keyword search, but I'm not having much luck so hopefully someone can help! The situation * Got an NTK in the post from Horizon for overstaying at a Tesco Express * I am the registered keeper, but my partner was using our car at the time * The wording of the…
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Best place for a child saving account
I have read the MSE article, but all the accounts are flawed. I want an account which my child can only touch when they are 18 without eating into the isa allowance while also allowing me to touch this money for big purchases (eg a car). Nationwide flex cannot be an option as he already has an account for pocket money. All…
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Tomato Energy goes bust - here's what you need to know
If you're one of its 15,000 household customers, your supply won't be affected and any credit balance you had with the firm will be protected – but you should take a meter reading now. Here's what you need to know. Tomato Energy goes bust – here's what you need to know If you haven't already, join the forum to reply.
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Claim Form for PCN received
Hello all, hope this thread helps anyone who is as lost as I am trying to find a way through this. In December 2024 I parked my car in a carpark that is supervised by Euro Car Parks Ltd. Having done so quite frequently and knowing that it allowed me to do so for 3h I didn't think much of it. Turns out that ECP changed the…
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How to partially annuitise from a drawdown fund
I’m 72 and have recently retired. I was previously paying into my employer's DC pension scheme with Scottish Widows (SW). I’m now looking to take an income from my pension savings. Annuity rates are attractive, but I would like to hold back some of my savings, at least until I am 75, while my children will have the…
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Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application?
Hi, So in nutshell I have a maxed out isa with Tembo at 4.1% I'm sure its likely about to drop in light of todays news, so looking at putting into a fixed. Is it convert the existing Cash ISA into the Fixed at 4.3%? Or do I need to apply for a Fixed ISA first, and then fill in transfer details in the same way I would to an…
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Is the PCLS Rate likely or unlikely to be changed?
Given that successive
governments have repeatedly leaked potential changes to policies to the press,
to basically do ‘market research’ on whether the change would cause uproar. And given
that the last few years the press have all jumped on the potential changes to
the PCLS just before each budget. Just for
fun…. Do…
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2025 DECLUTTERING CAMPAIGN MrsSD - The Joy of Decluttering
To use Guineapigsqueaks/Sa1sysoo words “A new thread for declutterbugs in (2015 2016 2017 2018 2019 2020 2021 2022 2023 2024) 2025 !" My 2024 was another washout on the decluttering & decorating fronts. That is what happens when I don’t plan ahead 😔 Neither DH nor I have managed to summon up any enthusiasm for anything…
