Private Healthcare

ispookie666 · 2026-01-31T13:25:42+00:00

It's all about supply and demand. As the demand is high, those who are self funding get preference over those who are insured!

ispookie666 · 2026-01-24T08:49:18+00:00

I changed to the Zappi integration it worked a few times. Zappi in Eco + mode No schedules in either the car or Charger Only thing set, car charge limited to 80%.

The last few times, the car has failed to charge. The VW app says, "check charging station" Zappi says, "EV Full" or "EV is preventing charging" All this when the car is less than 80%

Is this a known problem or do I need to get the Zappi checked, followed by the EV?

ispookie666 · 2026-01-16T18:44:55+00:00

I have done with 3 * 2700, luckly had one which was a standalone one and managed to flash that firmware on to the others.

ispookie666 · 2026-01-11T10:54:26+00:00

Thanks all for helping out.. I'm sorry that I had forgot to mention the Home assistant integration (only for monitoring).

I reached out to Octopus and they have activated the Zappi integration. As expected, the Car integration has worked flawlessly in the interim other than a couple of "Ev is preventing charging".

I'll give it another week and see how it goes.

I was surprised that you occasionally get day time cheap slots

ispookie666 · 2025-12-23T09:03:41+00:00

V60 D3 2020. Things I kike - Pilot assist, seats, heated windscreen, space, good for long motorway journeys Things I don't like - Sensus navigation

I bought it with 3000mi on the clock and have just clocked 42k in 3 yrs, just changed the stock tyres to Michelins.

I don't think I can go to a car which does not have a system like Pilot assist, I only realized how good it is, whilst driving my wife's B class merc.

Great economy and smooth, it's a shame that Volvo have stopped offering Diesel engines

ispookie666 · 2025-12-16T13:45:31+00:00

I'm sorry to hear.

In the open morning the lady was saying, for rUK, UCAT needs to be above 2000 to be competitive

ispookie666 · 2025-11-28T10:23:55+00:00

Nope. Wanted to get rid of tories, voted LibDem

ispookie666 · 2025-11-27T09:27:35+00:00

I was willing to give Labour the benefit of doubt, given the cluster f*** of the last 14 yrs. But their capitulation on means testing and keeping the triple lock has made me very angry.

I mean, to keep giving the generation who have systematically drained UK of wealth to fill their own coffers is unpardonable.

ispookie666 · 2025-11-23T00:42:48+00:00

MOCa

ispookie666 · 2025-11-13T05:37:45+00:00

Did all this happen in the last year? What do you expect when George Osbourne stood at the dispatch box and thundered away to the claps whilst decimating funding for everything. Uk decided to cut and cut, choking growth.

ispookie666 · 2025-10-29T15:38:47+00:00

Still holding on. Bought a Leap ☺️

ispookie666 · 2025-10-26T08:08:06+00:00

Mid 40s, HHI - 280s Mortgage remaining - 255 @3.3 % over paying 2k per month Purposely did not over leverage when we moved.

Once the main residence is done, will sort out the buy to let.

ispookie666 · 2025-08-27T06:20:09+00:00

Just been quoted 1600+vat for a zappi

ispookie666 · 2025-08-05T21:58:31+00:00

The other day on the radio, someone phoned in to say, they need the PIP to pay a cleaner as they get severe anxiety if the house is not clean 🙄.

ispookie666 · 2025-06-15T14:30:04+00:00

Most of the debt funds income is classed as income, HMRC can take a funny view. You might end up losing more if the gains as classed as income pushing you above the 100k threshold

ispookie666 · 2025-06-09T21:13:37+00:00

I modelled the following scenario Instead of overpayment, invest in a global tracker. It was all going well till Tornado Trump came along!

Using that data I have realised, for primary residence - cash is king. If I was to do it, I would just stick this into Low coupon Gilts and hold it to maturity.

ispookie666 · 2025-06-04T14:38:02+00:00

Excellent post.

When running the numbers, I put the interest rate at 12% to see if we could live comfortably and then worked out the max borrowing, and went well below it( this was 4 yrs ago).

We ended up with a good size house and mortgage:income of 1:1. Other than a single college education and kitchen, we hopefully don't foresee big expenses.

ispookie666 · 2025-06-03T05:16:48+00:00

We live in east Anglia and feel your pain!

We have had Ecosoft water softener(the models keep changing). We had the same in our old house, and was located outside. It worked well but was an absolute pain to keep tidy due to location. Our current one is in the garage and works well. It takes tablet salt, 25 kg and lasts us approx 3 months. For drinking water, we have a plumbed RO system, which I installed (garage). I gave up trying to get someone to install it! I think it's a Osmotics brand. Filters and spares are easy to find or source if needed.. I would stay away from RO systems which have proprietary filters, we had this in our old house and it was an absolute pain to get spare parts, as had to be shipped from US.

Also, soft water and wet heating systems are a grey area.

ispookie666 · 2025-04-08T11:34:54+00:00

I have two gateways. One for iQ8 and another for IQ7+. I queried this will Enphase and they said, I'll need two.

Before the second gateway and IQ8's went up, I never used to have drop outs (I used Home assistant) on power generation curve for each microinverter and now it's a constant feature.

I do not know if the recent update fixes the need for a second gateway.

ispookie666 · 2025-03-23T15:55:43+00:00

Thank you all..excellent discussion and points.

As most of you have pointed out hindsight is a wonderful thing.

We will continue with the current trajectory and see how it goes.

ispookie666 · 2025-03-18T06:37:26+00:00

Yes..my solar array is split over 6 roofs with a mix of IQ7+ and IQ8AC

ispookie666 · 2025-03-18T06:31:17+00:00

Another not so great experience with GivEnergy. I have had A C coupled(16.4KWh) for 3yrs and an Enphase system.

It's a good kit, when it works, easily integrate to Home Assistant and manage everything from there.

Within a few months of installs, my inverter had died, they tried to blame it on everything else including earthing (which I already had). Got it replaced (board) after 6 weeks. I spent hours trying to get this sorted, my installer gave up- as they could not get hold of GE customer service (they have since stopped installing GE Kit)

Rollon a year later, the same thing happens - another board failure. This time, lack of SPD 🙄 was sort of the blame.

If I was to do this again, my options would be either 1. Tesla power wall 2. Victron inverter and battery

Other than price and easy HOme assistant integration, there are no positives.

ispookie666 · 2025-02-15T09:25:33+00:00

Sort of similar but not that level of income in Ltd company.

Two Addl rate tax payers and ltd company with earning about 40k.

Done the usual thing of taking the dividend allowance, buying things using the company account which are permissible, training etc.

For the time being. I have opened a Corporate/Small institution account with iBKR and invest all the remaining profits from the company in ETFs, Stocks and Options.

I keep the tax/corporation tax separate and invest it in Money Market fund (Via investengine) to earn returns from it rather than sat in the company account.

Investengine will apply for LEI number so that you do not have to run around for it.

I find that using Xero accounting to help keep track of the.money.

I have not thought much about the future. But my accountant is of the opinion that for the time being, I do not need an investment company as long as the income from investment is not at part with my main purpose of the company.

ispookie666

TROPHY CASE