Search found 141 matches

by fisher
September 1st, 2019, 7:32 pm
Forum: Music, Theatre, TV and Film
Topic: Any good films to watch?
Replies: 28
Views: 834

Re: Any good films to watch?

Blasts from the past:

Once upon a time in the west - sergio leone. Very long but.worth it IMHO.

Rumble fish - Coppola I think.

Not sure what's available streaming as I don't.
by fisher
August 24th, 2019, 6:46 pm
Forum: Living Below Your Means
Topic: Air to Air : Air Source Heating
Replies: 34
Views: 2407

Re: Air to Air : Air Source Heating

Is it noisy? My only experience with blown air systems in Colorado, where they use it for heating and a/c was it was quite distracting Mine isn't overly noisy. Mine is outside our Utility room and is not next to any living areas, although it is near our Music Room and underneath the window to the g...
by fisher
August 24th, 2019, 10:07 am
Forum: Living Below Your Means
Topic: Air to Air : Air Source Heating
Replies: 34
Views: 2407

Re: Air to Air : Air Source Heating

Bear in mind that when electricity costs approximately 4 times the price of gas, a COP of ~3.6 is needed for this to be competitive with mains gas (assuming 90% boiler efficiency). In a location with no mains gas, then air source or ground source heating would be attractive. I am on an Economy 7 ta...
by fisher
August 18th, 2019, 10:01 pm
Forum: Living Below Your Means
Topic: Air to Air : Air Source Heating
Replies: 34
Views: 2407

Re: Air to Air : Air Source Heating

I too have looked at this as an option. From what I have read... Efficiency of ASH is great down to about 5degC, below which it starts to drop off VERY quickly due to de-icing protocols, until about -10degC where it packs in completely. So it is very good heating, until you really need it! So what ...
by fisher
August 1st, 2019, 6:51 pm
Forum: Building and DIY
Topic: A base for a shed
Replies: 15
Views: 1642

Re: A base for a shed

eepee wrote:How I did it twice but many moons ago, the first time under instruction
Mix some dry cement and sprinkle this on the ground.
ep

When you say dry cement I presume you mean mortar. If so, what mix did you use?
by fisher
July 27th, 2019, 9:23 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: AstraZeneca: Where Has All the Cash Gone?
Replies: 82
Views: 6723

Re: AstraZeneca: Where Has All the Cash Gone?

In a rare move, I sold out of AZN about 6 months ago at about £56. I didn't, and don't, trust their adjusted eps. Over many years, it consistently flatters the basic eps. Eventually the dividend will have to suffer, so a 3.3% yield doesn't look particularly secure to me. Who cares about a 3.3% yiel...
by fisher
July 19th, 2019, 11:14 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: PI/Early Retired -What profession on car insurance ?
Replies: 12
Views: 1862

Re: PI/Early Retired -What profession on car insurance ?

I stopped work at 48 and dallied with putting other professions down on forms where the professions loosely fitted something I did, but I got bored and settled down to just choosing retired. It seems to be ok and is probably the most accurate.
by fisher
July 14th, 2019, 10:22 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: BT Group down over 3% today.
Replies: 77
Views: 5338

Re: BT Group down over 3% today.

Why do people who obviously dislike HYP regularly post on this board? If you don't like HYP as a strategy then just don't post here.
by fisher
July 9th, 2019, 11:08 am
Forum: Legal Issues (Practical)
Topic: Strange letter from a solicitor
Replies: 37
Views: 2288

Re: Strange letter from a solicitor

Alternatively, maybe the deceased advised the Charities of the bequests or the solicitor let them know they were ultimately to be beneficiaries. The first of these did not happen and why would the solicitor advise potential beneficaries - not a normal thing surely? Assuming potential beneficaries b...
by fisher
May 29th, 2019, 9:49 am
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Breakdown cover
Replies: 18
Views: 754

Re: Breakdown cover

Another satisfied Autoaid customer here. Have had their cover for over 10 years and called them out 3 or 4 times. No problems and cheaper than most.
by fisher
May 24th, 2019, 1:09 pm
Forum: Legal Issues (Practical)
Topic: Treatment of SIPP and ISA on death
Replies: 6
Views: 4363

Re: Treatment of SIPP and ISA on death

There is some information here regarding APS (additional permitted subscriptions) which is the extra ISA allowance that becomes available to a spouse on the death of their spouse. https://www.gov.uk/government/publications/isa-manager-bulletin-65/guidance-additional-permitted-subscriptions-for-the-s...
by fisher
May 19th, 2019, 6:04 pm
Forum: Living Below Your Means
Topic: Le creuset
Replies: 21
Views: 1273

Re: Le creuset

Many years ago we bought a Le Creuset non-stick frying pan. After frying a couple of steaks within two or three weeks the non-stick began to come off in the middle of the pan. I took it back to the department store where we bought it and they referred it to their in-house Le Creuset sales person. T...
by fisher
May 19th, 2019, 1:33 pm
Forum: Building and DIY
Topic: Boiler Flue Issue
Replies: 14
Views: 899

Re: Boiler Flue Issue

Julian wrote:Thanks both of you. I think a FloPlast leak guard might work perfectly....


How did you get on?
by fisher
May 14th, 2019, 11:56 pm
Forum: Building and DIY
Topic: Air Source Heat Pump (ASHP)
Replies: 41
Views: 1432

Re: Air Source Heat Pump (ASHP)

The major drawback is the time the system takes to heat up in combination with the noise of the unit. I have a Mitsubishi 3 phase unit which apparently is the maximum size you can put on a domestic supply. It is sited on an outside wall of the house. In the depths of winter when the temperature dro...
by fisher
May 11th, 2019, 7:18 pm
Forum: Building and DIY
Topic: Boiler Flue Issue
Replies: 14
Views: 899

Re: Boiler Flue Issue

It may also be worth buying some clear silicone and applying some clear silicone around the plastic leak guard's fins before you push it in place, or around the inside of the pipe if you prefer (or as well). This will then set and hold it in place. I would use this rather than screws myself, but if ...
by fisher
May 11th, 2019, 5:51 pm
Forum: Building and DIY
Topic: Boiler Flue Issue
Replies: 14
Views: 899

Re: Boiler Flue Issue

Chicken wire is another option although you might have to use more screws to hold it in place.
by fisher
May 11th, 2019, 9:38 am
Forum: High Yield Shares & Strategies - general
Topic: Whether HYP (as defined in the guidelines) works
Replies: 179
Views: 5457

Re: Whether HYP (as defined in the guidelines) works

I feel that those who criticise the HYP strategy are over-thinking things. To me, the HYP is about simplicity, income, and (as an alternative to an annuity) a value on death. Hopefully a higher value than cost, but not necessarily so. By all means define an alternative strategy with more complicate...
by fisher
May 9th, 2019, 10:40 am
Forum: Brokers and Share Dealing
Topic: "Source of wealth information" requested
Replies: 66
Views: 3329

Re: "Source of wealth information" requested

When I had one of these a few years ago from Selftrade I filled the form in with some rough estimates of the amounts that came from Employment and those that came from other investments and sent it back to them. Once they had registered it in their system I then sent in my transfer forms to transfer...
by fisher
May 7th, 2019, 12:13 pm
Forum: Building and DIY
Topic: Air Source Heat Pump (ASHP)
Replies: 41
Views: 1432

Re: Air Source Heat Pump (ASHP)

Gan020 wrote:I've had an ASHP for 8 years along with solar PV and solar thermal panels. The solar PV and solar thermal panels have been fantastic. The ASHP whilst financially well worthwhile has been a little disappointing in terms of the drawbacks.


Out of interest, what do you see as the drawbacks?
by fisher
May 7th, 2019, 12:08 pm
Forum: Building and DIY
Topic: Air Source Heat Pump (ASHP)
Replies: 41
Views: 1432

Re: Air Source Heat Pump (ASHP)

For completeness, below is a table of the values in the heat curve I am currently using - it is a NIBE predefined curve (curve No. 9). The target temperature is the temperature the ASHP is trying to get the water in the rads to. It will overshoot this temperature in a lot of cases and will then shut...

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