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The only thing stopping me from moving from Vanguard is I’m currently invested in the target retirement fund which a lot of places don’t carry because it’s not an ETF. Anyone done a similar DIY solution?

Underneath the existing units are there tiles? Or is it just the subfloor (concrete).

You should be able to build the units on top of the subfloor and then have the plinth hide the unfinished floor, the only thing to consider is the height difference between current tiles and future floor covering (which might affect how short you trim your plinth and the height you set your units)

I’ve got under 10 grand in a Vanguard SIPP as I use it to bung in any extra cash year end to bring me under higher rate tax (my workplace pension doesn’t allow contributions like this). The new fee structure is a bit of a kick in the teeth…haven’t found anything else yet to transfer to which is similar for my needs.

So update:
Spoke with the landscaper tenant last night. Seems a good bloke and once I’d explained I was a bit surprised by it all it was all very friendly.

He agrees that cutting trees down should be a last resort and suggested that most of the issues with the garage are down to a historic lack of maintenance and the fact the gutters were until recently all just pouring down into the ground at that corner. So it could not actually be caused by the roots (although the guttering issues may have been caused by the same tree).

Anyway, they’re going to prune it back hard and trim another tree that encroaching towards their fence too (but still on our land). Needed doing anyway and £150 to sort that out and keep the peace seems a good deal to me.

If it needs to come down I’m going to ask they give us enough of their apples annually so I can make a few pies at least!

Here you go, it’s not been super well looked after and pruned by the previous owner but we like the shade it provides. Don’t comment on the rest of the garden!

Yeah to be clear I’m probably more interested in keeping good relations with next door and reducing long-term cost than keeping the tree, but if there are options to do all 3 then great!

As far as I can tell, they would have to prove definitely that any damage potentially caused by a tree is actually caused by it, and perhaps we might only be liable for any damage after they’ve actually informed us? I think they have the right to cut through the roots on their land too (similar to overhanging branches).

Crosspost from home thread…

Neighbours have a garage at the end of their garden, they have a landscaper who is renting it out so I gave them my number as we need some fencing doing and also neighbour mentioned he could help trim our trees.

He’s just rang and said that he wants to take our apple tree down as it’s undermining the garage and potentially causing damage. I’m obviously loath to do that, it’s a nice tree!

Any advice?

Neighbours have a garage at the end of their garden, they have a landscaper who is renting it out so I gave them my number as we need some fencing doing and also neighbour mentioned he could help trim our trees.

He’s just rang and said that he wants to take our apple tree down as it’s undermining the garage and potentially causing damage. I’m obviously loath to do that, it’s a nice tree!

Any advice?

Cabinets are from DIY kitchens, tiles were from YourTiles I think. The worktop was from Gemini.

We are going to have engineered wood through the whole ground floor, just waiting for some other works before we can get it done!

The range was an absolute bargain - £500 used on eBay!

Gutters and a small roof repair. 2 grand or so.

While I’m here. Cash in hand for trades. What value would you lot be willing to go up to before you want proper bank transfer/invoice arrangement?

Terrible photos and we haven’t finished the floor or the end wall tiling but you get the idea

For us everything turned up in good condition apart from 1 wall unit which was damaged, they had a new one with us (and an additional panel we fucked up and missed off) within the week.

Had my first syphon brew this week - highly recommend Ottoman coffee in Glasgow if you're in the area. Friendly and knowledgeable and a nice place to be. Lovely brew, much thicker/oilier than a pourover but still nice and clean (compared to something like a cafetiere).

Of course I immediately looked into buying one but it looks like they're quite a faff.

We got Otto chemically done for 6 months and decided to let it wear off and not do a permanent one.

He is a little dog obsessed but can also get a bit aggy with other males…we think because he was being targeted by other entire males (especially labs). The castration has probably improved how other dogs receive him (he gets targeted less) but we think it’s made him a bit more barky at new dogs, likely because he’s a bit less confident. It’s made him less sniffy/licky with other dogs pee, and he cocks his leg less.

I would say unless you have some behaviours that are bothering you and you think this might address, it’s not worth the potential drawbacks at younger ages. I don’t think it’s the default thing to do anymore but a lot of vets still suggest it for some reason. Might be worth seeing if you can have a chat with a behaviourist about it?

Edit: I spoke to my mrs (who is a behaviourist). She reckons it might improve the ag from other dogs but unlikely to change anything else mentioned in your post. Obvious caveat that she’s not making any recommendations, hasn’t assessed your dog, etc etc

Yeah, looked at that but it has this issue with the call volume being super quiet, and the camera seems not very sharp anymore.

My initial plan was to get a 15 pro but nowhere has them new anymore and not sure I want to deal with potential bad refurbs!

Otto met a much larger lady friend in an enclosed field yesterday. Hard to tell scale but Borzoi are bloody massive!

My iPhone 11 is dying a death now, battery life has dropped off a cliff and call volume is super low and can’t be increased.

15 = £750
16= £880
16pro= £1069

Realistically the main difference in features I actually use is the zoom lens on the pro? Anything else obvious I’m missing?

I guess I can’t use AI on the 15 but I’m not sure I give a shit about that…

Quote sanity check?

Overboard and skim 4x4m ceiling
Board and skim archway (maybe 3.5m wide, 1.8m each height)

Labour, materials, VAT = £1800. Bristol based.

Higher than I’d hoped but is that the going rate now?

What kind of tradesperson do I need to cut an opening in a concrete block garden wall, to install a gate? Is that something a fencing person would be able to do?

My first floor office floor is cold, it sits partially above an unheated entrance hall. Haven’t carpeted that room yet so I’m going to lift the boards and insulate underneath.

Should I put some kind of draught proofing membrane in as well? Beneath or above the insulation? Or will rockwool between the joists be sufficient to block the sort of draught I would get anyway? Floor will be carpeted.

I want to add a few things to my house:

1. Door sensor for my basement
   
2. Humidity/temp sensors for a few rooms and basement
   
3. Front doorbell
   
   

For the door sensor and doorbell I want a physical chime/alarm but also to get a phone notification.

I already have some Tapo cameras so I was thinking of getting their hub and sensors, but the only thing putting me off is that they use a proprietary protocol instead of something like Zigbee. I guess that means I’m reliant on their services (and that they won’t start charging monthly) whereas if I had Zigbee sensors I could theoretically roll my own monitoring. The other downside to Tapo is that they don’t seem to have an IP rated button that I could use as a doorbell (I don’t feel the need for a video doorbell).

What other options do I have?

Even if you’re more diversified it’s been good

We just bought a roll from Amazon (rabbitgoo brand lol) and cut it. Not that fiddly and it’s cheap enough you can re-do it if you mess it up.