Nice people thread part 8 - worth the wait

tomterm8

Houses are a different business, generally, it's pretty safe to have them in one name or the other. Courts tend to split the equity anyway.

fc123

Spirit wrote: »

What do other posters families know and what do they think?

OH kind of knew I had a few mates online and calls you all monkey-hangers (long story) but he thought it was weird and I used to tell him bits and bobs of gossip.

When I told him about last years meet, he was quite intrigued as I was going to meet people who I had never met in RL...like I didn't know what they all looked like. He thought that was weird too.:)



And then he met everyone and decided it was all very normal and could see why I connected to each person even though in RL I may never get to know so many different types as usually one connects with people through work, hobbies, family etc.

I mean, I would never get friendly with a horse owner in RL as I don't have anything to do with horses.

fc123

Was just thinking, for DD, it's all very normal as she is tapping/chatting away all the time on her phone or ipad. I know she talks to all sorts of people who are friends of friends.

HAMISH_MCTAVISH

tomterm8 wrote: »

Houses are a different business, generally, it's pretty safe to have them in one name or the other. Courts tend to split the equity anyway.

Indeed.

More a case of emergency access to funds though for us, as one or other of us has often lived/worked/travelled through some very dodgy parts of the world, joint ownership/accounts and powers of attorney for each others financial affairs seemed prudent/fastest way to react in emergency if large scale fund raising was needed.

We have a similar arrangement in place for medical decisions.

As we age and no longer have the same travel risks levels we used to, we're planning to start transferring more assets into trusts from an estate planning point of view.

Spirit_2

michaels wrote: »

Hopefully not spoken from bitter experience...

...not relevant but all our money is in DWs name as she doesn't pay tax but only I know what and where and the passwords to access it, I wonder what the legal position would be if I moved it and she claimed I didn't have permission....

michaels..how much does that save you each year, approx? I would need a massive incentive to do this...just because it would offset the sharedness of our lives. I know it is not for everyone but we just throw everything in together except pensions and ISAs.

tomterm8

Hamish, you more or less have it set up in the way I would if I were married. Although, I think both partners should have a months savings in their own named bank account.

But that is more paranoia than anything (I've heard of joint bank accounts being frozen after death and it takes time to get the paperwork in order)

silvercar

spirit wrote:

What do other posters families know and what do they think?

OH thinks its amusing that I chat away to people I've never met and tell stuff that I wouldn't say in RL.

The kids sat me down and told me of the dangers of meeting up with people who could be mass murderers/ out to grab their inheritance etc They were joking, as they did it in an imitation of the way I sit them down to talk seriously, but it did remind me that I am meant to be a role model to them.

My parents/ in-laws think it slightly barmy that I can talk to people on FB that I may not know (friends of friends, old acquantances), I wouldn't begin to explain you lot to them.

michaels

About 1k or so, worth having

silvercar

Spirit wrote: »

michaels..how much does that save you each year, approx? I would need a massive incentive to do this...just because it would offset the sharedness of our lives. I know it is not for everyone but we just throw everything in together except pensions and ISAs.

We consider everything to be shared, even though great lumps of stuff are in one or others name. My company - which was based on OHs idea - is totally in my name.

So we consider it all shared even though it may not be in shared names.

zagubov

silvercar wrote: »

OH thinks its amusing that I chat away to people I've never met and tell stuff that I wouldn't say in RL.

The kids sat me down and told me of the dangers of meeting up with people who could be mass murderers/ out to grab their inheritance etc They were joking, as they did it in an imitation of the way I sit them down to talk seriously, but it did remind me that I am meant to be a role model to them.

My parents/ in-laws think it slightly barmy that I can talk to people on FB that I may not know (friends of friends, old acquantances), I wouldn't begin to explain you lot to them.

OH knows that I know some people on this forum and have met at least one.She also feels I am the least electronicaly-connected person she knows. Which may well be true.