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Agreed, there are no downsides, just less fees for you.

You're confusing 2 different things. That a leaky, poorly insulated house will cost a lot to heat. Obviously this is true whether its heated by a heat pump or by fossil fuels. That it will cost more to heat using a heat pump, comes entirely down to how efficient the heat pump (or more...

This is just fossil fuel FUD spread by the daily telegraph. A properly designed heat pump system will be cheaper to run than oil, or gas. Also the OP's Heat Loss HLI (2.408) is only slightly above the acceptable limit for the heat pump grant (2 or 2.3 with limits). A few upgrades and the HLI...

Yes you are correct. And the reason is simple, because above the joists is not livable space that you want to heat. You want to keep all that expensive heat below the joists, where you can enjoy it. There is a possibility that the "Thermal Envelope" was designed to be above the joists, but you...

A new condensing boiler will definitely bring up your rating. It will also pay for itself over time. i.e. if your going from 60% efficient to 90% efficient on a 2000 euro annual oil bill you might save roughly 500 per year. But if you are going to upgrade the whole thing (pipes, hot water...

With no roof insulation in the way (on the flat) it would be easy to do a good DIY air sealing of that attic with some expanding foam and some silicon or acrylic sealer. Then add 300- 400 mm of wool insulation on top. This will make an enormous difference. There are some great videos on YouTube...

Sorry, you're right, I meant 32mm Had to confirm it with the tape measure ;)

If you end up having to replumb the pipework, I strongly strongly reccomend that you future proof your pipework, by getting the plumber to use 28mm pipes for each of the main runs. This will allow you to upgrade to a heat pump later without having to do any pipework. Also, for any radiators...

I know a few people who hold bank shares from before the crash and have heard them say that eventually the shares will recover. I just want to point out that, unfortunately those old shares will never break even, because actually the market cap pretty much has recovered. In the early 2000's...

I'm in danger of becoming the APT marketing guy here. Which I am not. But APT do have other funds available (including bond funds) which were not listed on the original marketing material we got (that I posted) but were available when we went to choose funds. Also on request, they added an extra...

The Quality index fund is a passive fund and follows an index. Here a few Quality Factor ETF's for you https://www.justetf.com/en/how-to/invest-in-quality-etfs.html

"Quality Equity" refers to one of the well known factors that modern portfolio theory has shown outperforms. The Factors being Size, Value Quality Momentum Low Volatility Specifically Quality: Quality factors focus on the financial health and stability of companies. High-quality companies...

I much prefer a selection with a small number of excellent funds. Rather than a large number of crap funds! Speaking from experience, when I was young my first job pension fund offered a myriad of choices, all with high fees. Not knowing what I was doing I spread my choice among 6 or so funds...

Fees for all the funds. They told me that everyone in the Master Trust pays the same fees (not sure if that is true or not). We have less than 30 members and less than 4M in assets.

We got significantly lower charges on our workplace pension by shopping around and moving to a Master Trust. I would encourage everybody to do the same. We moved our company scheme over to the APT Master trust scheme. Our fees are as follows Annual fee of ~ 0.55% (APT get this) Fee of 0% on...

I had the same issue with the same provider. They told me not to worry that the contributions were invested, it was just that the online portal wasn't updated to reflect that. The contributions did finally show up about after 4 months. Whether or not the contributions were actually invested...

No, you do not. Only the beneficiaries of your estate do....if you die!o_O

A lot of speculation on this topic, by people just guessing. Having a "Smart" meter does not force you into 1 specific smart plan. If you look at, for example, the Energia website, you will see that all customers, with a smart meter (new and old) can currently choose between 3 different plans...

I'm not saying it is the cheapest as I have not played around with other setups, but my current setup is 1. Hot water only heats during 2am to 5am 2. 1 degree setback temperature between 9pm and 3am I am also considering using a 1 degree setback for peak time as well.

Berkshire Hathaway is a diversified holding company. People always forget about the business they own outright. Berkshire has roughly 50 companies that it invests in, through it's stock portfolio. But it also owns roughly 70 companies outright. These 70 companies do not show up on the stock...