Simon Apperley

So the local pub (the Cove, Fairlight East Sussex) has a Christmas menu that doesn’t include Turkey. Is this

@PensionsMonkey column idea - Amazon show ‘steal’ shows a UK firm being raided of the pension funds they look after. Got me thinking and looks like UK protection for DC funds is limited to £85k FSCS? That feels very low. Hope I’m wrong - if not maybe we need more protection?

@dsmitheconomics ref AI article - who are these massively scaling AI business selling to if there are so few employees? Surely the cycle of employees spending earnings on goods and services breaks down? Is UBI their solution to perpetuate demand?

@David_J_Robbins I think the sufficient time is the number of years between the age someone can access their pension (age 1) fund and the age at which their state pension will be paid (age 2) at the point they cross age 1. Eg I can access my pension fund at 55 but my SP payable from 67 - so 12yrs

How much notice of a future change in State Pension Age is "sufficient"? HMG's position seems to be that it must be >5 years but not necessarily the 10 years talked about by the previous Government.

@ecocars1 @Jaguar @KateFantom @ElectrifyingCom @alexlowe30 @eV_Newt @Go_eVUK @notaguru3 Quite a bit of car testing goes on around that area. We have seen a few camouflage cars on trips over the years. Hope you are enjoying the weather - will be heading out in April :)

Mrs P,s excellent filming this morning here in Mojacar, look nice @Jaguar 👍 @KateFantom @ElectrifyingCom

@elonmusk Good - but until my M3 can handle dark narrow country lanes near my home in the UK I am think that FSD only makes sense for cities and towns where they are lit by streetlights at night.

A Tesla with no safety monitor in the car and me sitting in the passenger seat took me all around Austin on Sunday with perfect driving

@juliandc @_heatgeek @ecobubl Down in Hastings. I spoke to Aira but was worried that it was entirely App based and as a new company if they folded there would be a worry that I wouldn’t have control of the kit

@SimonApperley @_heatgeek It’s worth getting a few quotes. To question the installers. Are they heating engineers, or boiler fitters? Went with Octopus recently for my mother-in-laws ASHP install. They did a good job. Liked Aira, different on service. Are u near Warminster? As I can recommend @ecobubl

Very pleased with my Daikin ASHP. Achieved SCOP of 3.99 for last 50 days. Means 1kWh electricity has generated 3.99kWh of heat (for home & hot water). Efficiency will reduce a bit as it gets colder, improves a bit when it’s warmer. But expect SCOP to be maintained across season

@RSymonsLTD One reason that I got my base spec M3SR this year - just came in under the luxury car tax threshold

Tesla Y RWD now only available in “standard” spec. (Aka Fleet spec / Taxi spec?) If the premium car tax hadn’t just been lifted to £50k, do we think this WOULD have been £39,999? At £42,000 ($56,100 equivalent fyi) seems quite a lot, great car though it is.

@agile_phil May be worth the App update highlighting to users what battery percentage they can add in 6hrs. I would guess majority of EV drivers don’t know the exact capacity of their cars battery. This of course would need a caveat of assuming a 7kw charger

To help answer the questions on Intelligent Octopus Go changes coming in January we’ve written a blog and FAQ here octopus.energy/blog/intellige…. Should answer most questions but ping me if you’ve still got questions.

@paullewismoney Exists….

Complete this sentence…

@awootton What a lovely message.

@RSymonsLTD Sorry could make it to say hello at the meet and greet - a bit of a stretch from Hastings, but hope the trip was fun

@SimonApperley He yeah! You know what, yes that was one of the best hotel beds I’ve had. Fascinatingly massive complex and had some good. food to be fair.

DAY 5 - the finish line! Last leg of the journey from Wales back to work (via a v brief stop at Rownhams Services 11:30 for anyone who wants to join us in convoy to the finish) I know weather is grizzly but luckily we have a warehouse to host with! 12-3:30pm if you can make it we’d love to say hello. Hankook will be giving away a free set of tyres! We draw a raffle at 3pm EV car meet incl some “High Mileage Heroes” other than Miles. Pizza and coffee vans EV auto jumble. Lots of super cheap spare parts and bits and pieces available) Ed China from Wheels Dealers said he’s going to try and pop in. And of course see Miles after his road trip around the uk We’ve raised £3,300 so far for @_ProstateProjec and more for #Movember #rsev4corners

@RSymonsLTD I made the same mistake a few years back with the Engineerinh Director in the passenger seat of the car. I don’t think he was impressed. Hope you got a charging spot - very busy there last Thursday evening

We’re in Newport but Tom missed the right turn at the junction so a small delay as we take the most complicated re-route. Yes, unashamedly blaming him 😙 Before this we were bang on 18:00 arrival

Day 4 - morning all from a fresh and frosty Edinburgh 🏴󠁧󠁢󠁳󠁣󠁴󠁿 Will wake up that car in a minute and we’ll be heading to Manchester for 1pm, Ashton New Road, the one with the 2000th UK Tesla Supercharger. 🏴󠁧󠁢󠁥󠁮󠁧󠁿 Then to Newport 🏴󠁧󠁢󠁷󠁬󠁳󠁿for about 6-7pm Today’s tracking: maps.app.goo.gl/qw8z2XbTtvkx5u…

@paulosborne911 More exercise for better value - must make it taste even better?

Friday cake this week we have a Gypsy Tart , bargain at £2.50 👍 chilly ride out via the Coffee Lounge at Dymchurch for this one. 🚴🏻🥶🍰☀️#FridayCake

@YTJustGetATesla My Model 3 is my third EV and I was surprised there is no integration to send/receive WhatsApp messages. Dictating SMS messages is a rubbish user interface too and text way too small for reading. CarPlay is something I really miss - MORE than not having indicator stalks

This Tesla / CarPlay row shows something fairly simple. There are two groups of unhappy people: 1) Car drivers, who think a lack of CarPlay is a Big Problem. Go talk to them. 2) Tesla ultras who think Tesla is the way and everyone wanting CarPlay is wrong. To put it bluntly, Tesla is a car manufacturer. If it isn't manufacturing *and selling* cars in large numbers then it doesn't have a platform for its robotics ambitions nor the cash to fund R&D. If your potential customer base all want a thing and you can give it to them without major issues, why not do so? The "Tesla OS or you are wrong" guff is LEGACY car manufacturer behaviour. Tesla aren't the first car manufacturer to impose a daft GUI and insist it is GREAT. Why are Tesla ultras so bothered by it? Because it shows that normals disagree with them. Its just possible that they might not be right...

@DanNeidle Certainly a key decision in me increasing my pension savings percentage to keep below the level where children benefit for my step-child was removed from my pay. Will help me retire earlier than I would have and become economically inactive too…

NEW - we've data showing huge numbers of people reducing their income to avoid high marginal income tax rates. Not just at the £100k point (as previously reported). But at the £50k point:

@paulosborne911 That does seem steep for a piece of cake

Friday cake this week is a chocolate crunch brownie, bit disappointed if I’m honest, £3.25 so over budget too , just as well I’m working today to pay for it ! Dining in the van . 🍰☹️☔️#FridayCake

@dontdelay I have been helping out where I can for months. So much misunderstanding. Lots of greater resources out there which people don’t know about. Just finished latest Bengen book and have been recommending that - worth £20 to understand the complexity IMHO

I saw that group. Or one similar. I tried to help out for a while, but it was just too much, so I left. It is all far too complex. I’ve been helping clients fill out forms to take benefits. It’s a minefield of accounting and reporting on past legislative changes that people don’t even know if they’re impacted by

Showing my age here If a man in the Clapham omnibus can’t explain how salary sacrifice on pension contributions work now, how are they going to if new thresholds are added? We need to be sweeping away tax barriers, thresholds and cliff edges, not adding to them