This Time I'm Really Going To Do It

KajiKita

You are probably right about the emotional toll working its way out. Your body is doing its housekeeping atm …😉

I agree with your approach to the stamp duty. Fingers crossed that it’s not due! 

KK

Watty1

Book club last night. Only 3 of us but i had downloaded publishers questions on the book so we had lots to talk about and they were interesting too, like share your experience of religion as you were growing up and so mine was chaotic, one was very catholic and the other lady shared about being in the choir and her dad playing the organ.  Snapshots of other lives.   I very nearly didn't go because I was so tired but it was a lovely evening (and free as the library provides the books).

Got home and was in bed by 10 pm but I think that was late for me as I struggled to sleep last night.   This morning rode charming cob out with a neighbour which was a nice potter around the lanes.     

The house seems cold, the heating is kicking in on the early  morning but I can press a button on a remote control from my bed and the blind on the new window opens  (makes me smile).  I sat outside in the sun to eat leftovers for lunch.  I have an invite to join friends for a quiz in November and, now, back at work  I realise I do have a lovely gentle life.  

There is much I need to get a grip of, much I need to come to terms with but if the days can just roll on like this one all will be well. 

Karmacat

Your current life sounds lovely, Watty - look at the events you just described!  You're still in the aftermath of the horrors that you went through, but that's really different from what's going on - in fact, it could be that its *because* the present day is so good that you're starting to feel that stuff.  

Give Charming Cob a handful of hay from me 🐴

Suffolk_lass

Just a quick Stamp Duty comment from me (other than sending you a big hug) - when there is the dissolution of a legal relationship (divorce or separation following a civil partnership) there is no stamp duty payable. If you buy out the ex, as you are doing, where the partnership was not a legal one, I am afraid there is. Here is a link

Watty1

Great link @Suffolk_lass Thank you.  The bit I'm confused on is do I pay stamp duty on the value of property (solicitor said I did) or on "value of the half I purchased" which I think i do.   

I think the "learned colleague" is wrong and your link supports that.

Suffolk_lass

Watty1 said:

Great link @Suffolk_lass Thank you.  The bit I'm confused on is do I pay stamp duty on the value of property (solicitor said I did) or on "value of the half I purchased" which I think i do.   

I think the "learned colleague" is wrong and your link supports that.

Yes, only on the part you don't already own

Watty1

Having done some more reading online I agree @Suffolk_lass is correct.  Solicitor wrong and his "learned friend" wrong.   I despair.  paying for advice and I'm reading on line links sent by my pals here and google to get the right answer! Hey ho.

Suffolk_lass

Well otherwise you would be paying twice for your original portion of the house

badmemory

I am sorry to say that a lot of solicitors are not reknown for their logic.

Watty1

I totally get that.  Using the lowest valuation I had   (one the ex refused to accept) my share of the property comes in at under the stamp duty threshold so I am going to leave that to one side for now. 

If I debate it with the legal firm they will charge me for the discussion and most likely they have already charged for two incorrect discussions so I'm going to park that for now as I'm happy I don't need to pay it if I use that valuation.

In other financial news I won £100 on the premium bonds! Yay.  The Premium Bond Fund is for emergency vet bills so this is a very bonus win as I am completely resolved not to touch it unless I fall into very dire straits.  I will probably re-invest it in PB as the insurance for the next year for the Charming Cob has just come through and there are a lot of exclusions, the most obvious being for colic but also for right hind lameness and for dental issues and the premium has gone up to £83 a month (because of the last claim).

I will think it over for 24 hours but I am minded to ditch the policy and put £100 a month on to the premium bonds as the lameness exclusion came about as a result of an investigation that came in under my excess and the most they will pay out on the policy is £3000 but to get that I will pay £1008 so my net gain is £1992 if Charming Cob has a big bill but if he goes for a couple of years without one (and he hasn't had one until the colic surgery) then I would be better off.  Admittedly a gamble but I think I am going down on the side of ditching the policy as I type it out here.