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Trust or Power of attorney
Hello, Advice please on what would be the best plan to safeguard our assets for our family, so that they can benefit from what we have when the time comes. Based in Scotland. Many thanks
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Where does an old lady start with writing a will (THAT CAN BE STORED ELSEWHERE?)
Hi all Apologies for the long post, but it is really necessary. I just want to say at the start that I am not asking for legal advice or specific advice on what to do etc. We just want to know who to turn to first. We fully intend to appoint a professional advisor but don't know where to begin. One may be forgiven for…
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What happens if my friend sells her house while her husband is in care?
My friend is in a mess. Her husband is in a care home after a bad stroke and has been there for some years. He won’t be returning home. Him and his wife are tenants in common for the house they own. His assets have fallen below the self funding level. The house is a disaster, no working heating and falling to bits. Far too…
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Coming off a mortgage
Hi can anyone help, myself and my ex partner purchased a property in 2013 and we separated in 2017. I left the property and my ex stayed on with our 2 children. She did not wish to leave the family home which is obviously fair enough. She told me She would take over the mortgage in her name ( she has a well payed job in a…
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Ancestry.co.uk woeful DNA service
A few months ago Ancestry started limiting the number of matches shared with other relatives you could see to 3. At the time it said you could see the rest of the shared matches by signing up to DNAPlus at £14.99 for 6 months. As I very rarely get any significant new matches it seemed pointless signing up for that until I…
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Disposing of cohabitee possessions left in a property
My dad is in his 90’s and has been diagnosed with Alzheimer's and Dementia. He is also registered blind (he has some sight in one eye), and is deaf. He currently lives in his solely-owned property with a female friend, also in her 90’s. She is due to leave the property over the next month and move in with her granddaughter…
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Aunties rights with Nephew in foster care
Hello Good morning I just wanted some advice, My nephew was taken away from parents with social services , he's been placed into main foster care and they are looking at adoption as family assements have failed to care for him. Parents have also failed there Cubass assement so LA have more rights now to make decisions ,…
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Boyfriend making payments on my SBA loan, will he have a financial interest in my home?
My boyfriend insists on paying my SBA loan. I am currently not working and he is helping out by paying the propane bill, groceries, and the SBA loan. Will he have an interest in my home if we break up? I want to protect myself in the future, his assistance is welcomed since he is at my house daily. He has his apartment but…
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Packed lunch or school dinner?
My son is 15 and eats as much rubbish as his tummy can handle. We buy packed lunch items (rolls, filling, crisps, sausage roll and treat) but he doesn't make them himself. He would rather starve or have something at school, texting to ask me to add money to his school account. Often we have sandwich fillings go to waste…
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Care home fees - is this a scam?
My father is in a care home. Organised through local authority they initially paid the fees (~£790 per week) We are about to sign a deferred payment agreement (fees continue at £790) We are selling the family home. After that the loan from the local authority is paid and we have to go private. The care home private fees…
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What are the worst financial decisions your parents made when you were growing up?
Wasted too much money on cars.
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How one tiny mistake on my divorce form lead to a 5 year delay – Help me fix it!
Hi all. I started the divorce process back in 2019. I made one tiny mistake on the form and here I am 5 years later, no further forward :s I do NOT want to screw up again so am asking your help to sanity check my actions. Below is a copy of the original divorce form I filled out. Infuriatingly, I only received the letter…
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Marriage name
hi there, Looking for some advise please. I have been divorced since 2016 but kept my ex's surname so I had the same name as my son. I have been engaged for 6 years now & looking at getting married in Cyprus next year ...however, my name on my birth certificate is my maiden name & my passport & all other documents is still…
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Inheritance tax question
Hi all, I suspect advice would be required from an inheritance tax expert but I have a question and dont know if I can get advice here before going down that road. My mother is now in a care home self funding and me and my brother have had to sell her property now to continue covering the care home fees. My question is if…
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Religious marriage to Official Marriage (legal marriage) UK
Hi all, Last year, My husband and I have done the religious marriage in Gurdwara in UK but we didn’t get any certificate. We haven’t done the official marriage (legal marriage) yet because of incomplete documentation of my partner last year. However, at the moment we have all the documents ready. We now ready to do it &…
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Money Moral Dilemma: Should my friends gift my only child more money since they each have two kids?
This week's MoneySaver who wants advice asks... My five friends and I are all parents and we get each other's children Christmas gifts. This year we've agreed not to buy toys, but to give each child £30 for their junior ISAs instead. I have one child, while my five friends each have two - if we go through with this, I'll…
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Is this an Exo Skeleton ?
8 think i may have a problem. I have found a few different bug type things round and about the home and not sure what they are. Have googled but cant tell whats what . If i post a picture, i wonder if anyone could help please? Thankyou.
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Small Claims - Difficult Ex
Good Morning, Please accept my apologies, as this matter is ridiculous and frustrating. * Ex partner has obstructed contact with my daughter consistently for four years * Contact moved to my home. Mother claimed daughter was now allergic to my dog, and had breathing difficulties etc. * Court insisted on a dog allergy test…
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Divorce - Honesty is not the best policy?
Hi Folks, I was wondering if you could help, I am going through a very bad divorce with a narcissistic abusive ex wife. We have finally exchanged voulantry Form E's and whilst I've been fully honest with mine she has lied on every page. It's clear she has funelled money to different accounts and people to hide her assets…
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ANY ADVICE WOULD BE HELPFUL
Hi there, so over 8 years ago now I split with my ex, I rented the house out for a short period of time as we couldn’t sell due to negative equity plus he didn’t want to stay in the house. I ended up moving back into the house after I paid him some money and got him to sign a letter I typed up saying he wound hand the…