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To be clear that 280 includes complete gutting of of a 90sqm house as well as the extension. All new windows, floors, insulation, doors, kitchen, wardrobes, slider, bi-fold etc. a lot of fees and VAT also. Architects have generally said 2.5k - 3k per sqm for extension, but apparently there’s a...

build cost would be 2-4K per sqm for extension alone. plus fees, plus vat, plus work to existing property = 140 is not nearly enough. I’ve been looking into a retrofit and 20sqm extension of a 3 bed semi with large side access and have budgeted 280k and worried it’s not enough. use an...

Yeah full insulation of partition wall is certainly very disruptive. The reason we plan to do it is due to the terrible job that is already there. We have bad sound insulation problems and probably air gaps in the blockwork between ourselves and the neighbour. One architect told me it would help...

Yeah I'm doing a BER as a first step. Need to book somebody to do it - if anyone has any recommendations for a good BER assessor feel free to drop one! I haven't embarked on it yet. We'll do the BER first and then make some decisions. It will be quite an expensive process as we're looking to...

I would advise against buying a whole set of knives as you’ll get a lot of stuff you won’t use or care for and you’ll spend big bucks for a good set. You probably will need - a good chefs or cooks knife (20cm say), a good utility knife (small one) and a serrated bread knife. for chefs knife I...

To further elaborate on what @RedOnion said, a cavity wall is different from a cavity block wall. Cavity walls are really two walls with a void, or cavity between them. The void should be pumped with insulation or have boards put in there. Cavity block walls (AKA hollow block walls) should not...

Yeah you're right, I don't think the cavity is worth insulating here, not sure it could be pumped or anything. I'd be happy to internally insulate if somebody experienced and independent would tell me it's the right thing to do! I've googled for Home Energy Audit and found a few names so I'll...

Hello AAM, I have a semi d cavity/hollow block home in suburbia, constructed around 1993. Lower part of the front elevation, up to first floor, is clay brick with a void behind it. The rest is all cavity block. Sort of a weird hybrid I guess. We're planning a bunch of work on the house. As...

Also suspicious of internal insulation bit. I got quoted 8k for a single partition wall, top to bottom, up to the attic. That might have been expensive but for a whole house it’s got to be far more. Be careful with internal insulation, you can have breathability, dampness and mould issues if...

Hey - couldn't find any such thing as "accumulating trusts" when I googled, at least none in the UK. Not sure where else to look. I kinda gave up in a hurry. I may look into it later in the year when I have $ to invest.

Hey guys, thanks for the advice above and apologies for missing out on responses - the thread didn't show in my browser for some crazy reason - I thought it was deleted! Answering your questions: * I own a house outright and happy with it. Some upcoming renovations but that is budgeted for. No...

From another thread - I'm in a situation where I think it's reasonable for me to purchase an ETF (my pension contribs are maxed, no mortgage or upcoming big expenses and (fingers crossed) a couple of decades left in me. I've made a couple of purchases to date. I buy just one ETF - iShares...

--- moved to its own thread as I kinda hijacked this one ---

Don’t do this, get the wall inspected and fixed. I have a quote for ours but did not go ahead with the work yet. 2k for one wall. There was batons, rockwool and double layer of plasterboard involved in the work. You should get any other inspections done while wall is exposed. It will be messy...

I make card purchases with Revolut and only use my card. My actual banks debit and credit cards stay at home. Revolut has simple limits you can put on spending and it categorises purchases to the best of its ability. Although it’s not perfect it’s mostly great and saves manual accounting. As...

OP be careful about getting walls pumped etc. If they are cavity blocks certainly do not do it as pumping cavity blocks is a recipe for disaster. Get pro advice on this as you can totally mess up your house (really badly) and make the problem worse if you try to fix things without sound...

All the above is correct. You don’t have global exposure with your choice of fund and you should consider a pension or mortgage if that’s on the cards. You’ll save more in a pension as you’ll avoid a certain % of tax on your contributions. The other thing about UCITs, aside from the 41% exit...

Sarenco what do you see as the advantage of investing in FRCL vs an accumulating UCITs etf like eg IWDA? The etf would have a lower TER. Obviously there are other highly diversified ETF options also. Just curious about this.

An article in Fortune this week says R3 is not in a good state and is running out of money. Can't link to it but you can Google it.

Hi, one other question related to all of the above! This thread has been valuable and bought a lot of clarity to my partner's situation. We had settled on a PRSA AVC so she can make additional, tax-efficient contributions. We've since discovered the (perhaps irrelevant) idea of 'Notional...