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ISA and HIT
Good evening. I'm going over the HIT400 etc., the calculations sent by my solicitors and noticed that the share ISA has not been included, only the Fund & Share (with some other shares).I read here https://www.gov.uk/individual-savings-accounts/if-you-diethat 'There will be no Income Tax or Capital Gains Tax to pay up to…
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Medical Negligence Claim
I'm not sure if this is the correct forum to post this but would be grateful of any advice. A parent of mine has recently died and from speaking to others they seem to think that there is a strong case of medical negligence and advised me to get in touch with one of these "no win no fee" solicitors. So I called one online…
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Mandatory disregard and care home fees.
Hi I am not sure of this is the right place to post but can't think where else to go. By the end of this year we will have to go to the council for help with dads care home fees. He started as CHC and is now self funding. I'll be 63 and the house is the only home I have ever lived in but he is the owner. I have been told…
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Kids school fine - do old ones count?
I can’t seem to find an answer to this anywhere and thought maybe someone here had experience they could share. With the new system in place for unauthorised absence during term time, I am aware the fine price increases on the second fine. We were fined last year and I now wonder whether that fine counts towards the new…
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Reasonable Divorce Arrangement?
Firstly, the irony of my username is not lost on me… My wife and I are separating after 15 years of marriage, though we have a 7 year old child. We wanted my wife to keep our jointly owned home as she will be the primary carer of our son, however she cannot get close to the required remortgage level that would have given…
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Lab grown diamond engagement ring vs natural?
Hi For the first time in my life I’m looking at getting engaged and came across the lab grown diamond rings. They are obviously more cost effective and, depending on how you look at it, more ethical (a factor I’d like to consider). Would it be seen as ‘cheap’ to get one of these versus a traditional diamond ring? It’s…
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Parental responsibility and C100
Good afternoon, I am posting this on behalf of my son in law. He recently won residency of his son aged 4 after the mother decided after 2 years that she didn't want to look after him any more. They were never married, hence the need to go through the courts to secure his rights. Cafcass said that under no circumstances…
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Any ideas for grocery shopping when elderly parent can no longer drive?
Long story short, couple where he drives, she doesn't, but he is currently having treatement and can't drive anymore. Both elderly, and not massively IT savvy. One basic problem is that they used to drive to the supermarket, but this is no longer possible. There is a reluctance to do online shopping. She still wants to…
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How much rent to charge a sibling.
back story, we jointly inherited a home last year which has now been transferred to my sole ownership. now my sibling wants to buy (or at least says so) but doesn't appear to be in any rush to find somewhere. fyi its a room and garage (which i want for my own car!) and is in a not so cheap part of the country now i do want…
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Which? Last Power of Attorney Offer Via Resolver
My husband and I set up up Financial lasting POAs via a solicitor some years ago, we now want to organise health POAs also. I see that Which? offer an online service to help in the documentation preparation of POAs so I'm thinking of using them rather than a solicitor this time. So first question is - has anyone used the…
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Pension Sharing of Pension Contributions Finished Prior to Marriage
I am about to get divorced (second marriage) and am trying to understand if I have to give my second wife a share of one of my pensions that ended (I left that employer) before we got married? I already had to honour my first wife a pension sharing order (which I totally accepted) on this particular pension as we were…
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Money Moral Dilemma: Should we ask our daughter and her boyfriend to start paying us rent?
This week's MoneySaver who wants advice asks... My daughter and her boyfriend have bought a house. They're redecorating before moving in, so they've been living between our house and his parents' home. My daughter stopped paying us rent in May, shortly after they got the keys. While I'm happy to help, my husband and I are…
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Soon to be Ex changed address but we all still live in the house
Recently separated from my wife and all of the family all still live in the house we rent. My daughter will soon be 16 and has just received her National Insurance Number via letter from HMRC. The letter from HMRC did not arrive through the post but was instead handed to my daughter by my wife. The address on the letter is…
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CGT Planning When Getting Married
Getting married this year and we currently have a house each but will only be able to nominate one as our Principle Residence for CGT purposes once married. House one we currently live in and intend to be out long term home. Owned and lived in for 24 years. Purchased for £60k current value c£250k no mortgage. House two…
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Gifting money allowances
I’m struggling to know if this is the right sub forum for this query but if not, feel free to move it My elderly father is wanting to gift me and my brother some money. For some reason, it’s been in my head that he can gift 7K per year without falling foul of the deprivation of assets rule. My brother thinks it’s only…
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Family don't understand my money concerns
Hi, I have posted on here before about issues I have with my family. So my little sister is getting married in Summer and I have been invited on my future brother-in-laws stag do which is to Madrid over Easter weekend. When it was first mentioned last year I decided there and then I wouldn't be going for a number of…
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Parents gifting money to partner after separation
My wife and I are separating after 24 years. Have two children of 19 and 16 years of age. Luckily house is mortgage free and paid for, and we have sold so 50/50 proceeds to each from sale when it completes. We have both agreed to purchase independent houses, but hers is £50,000 more as her parents are 'gifting' her that.…
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Childcare Vouchers: cut childcare costs by £1,000/year Discussion Area
This thread is specifically to discuss the content of the Childcare Vouchers: cut childcare costs by £1,000/year Article To discuss or ask a question about the article: click reply For the old thread click here
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I absolutely love my life even though I'm in a position where society says I shouldn't be happy.
I work £14 an hour job with no career progression at all. I don't have a single friend. I'm not in contact with any family members and haven't been for a decade. I go to work, play video games / watch tv shows and sleep. I live a very frugal life and invest my left over money each month so I can retire without worrying…
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30 Hours Free Childcare
Hello, can anyone help with my query please. When eligible for the 30 hours free childcare can this be split across 2 providers (e.g. nursery & childminder) or can these hours only be used with 1 provider? Thank you
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