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2 year childcare eligibility for people on work visa
As an immigrant on a Skilled Worker visa, one of the conditions is the restriction from accessing public funds. However, clarity on what exactly constitutes a public fund is elusive, as government websites do not provide clear definitions. Regarding childcare funding, while it's stated that individuals on this visa cannot…
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If i own less than a quarter of a house with an ex partner should i pay half the of the bills?
Long story short: Myself and my ex partner own a house that we originally purchased to rent-out, or 'do up' and sell. It wasn't the home we lived in, it was separate to that. I'd always paid 50% of the council tax and all bills even though i only own 25% of the house (ex owns 75%, obviously). I did this because generally…
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Childcare Costs 2024
The expanded childcare funding provided by the government is a welcomed relief to most parents, who are struggling and/or giving up employment due to the abhorrent costs of childcare. That said, I feel it's being exploited by childcare providers to cash in. The scheme that was expanded to help all working parents of 9…
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Free childcare question
Hi, My son (3) goes to nursery 1 day per week, he’s there from 8.30-4.30, so 8 hours in total per week of the 15 hours of free childcare. Following the free childcare announcement his nursery have informed me that their funding only runs 8.30-4 and therefore I still have to pay for an additional hour each week. Which for…
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Creating a will
Both me and my wife are planning a create a will just in case, we have three children under 10. Trying to look into it and it gets more complicated, is power of attorney recommended ? Do most people create trust and start estate planning ? Or is it Better to have a simple will and as we age we may look into power of…
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Take ex off deeds or wait until house sold in divorce?
Hi, My ex husband has agreed that I can have all the equity from the house sale in our divorce (very little but I am resident parent of our daughter). Things have been quite high conflict between us - and I worry that it will come to the house being sold and he’ll change his mind. Can I take him off the deeds now and will…
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Care home fees not subject to contract law?
Hi My sister & I are dealing with our recently-deceased Dad's estate. At some point last year he was removed from his NHS bed, by the NHS, and placed in one of their rehabilitation facilities for a few weeks. At no point was he asked whether he wanted to go, the paramedics simply took him from his bed and transferred him.…
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Can I get any info from anyone about UK Models?
Hello everyone, UK Models, has been booked by my wife for our child’s photo session. Does anyone in this forum have any such experience with the company? This seems suspicious to me; according to my spouse, however, I always say no and prevent my child from having fun. If you prefer to message me instead of posting, go…
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Owed Money by Ex Partner
Morning, not sure if this is the right place for this thread. just want to ask a question relating to being paid back some money owed from my ex partner. basically she said she would pay back money loaned to her to the sum of £3400. we agreed this could be paid back monthly as its a large sum of cash. however I'm in doubt…
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Equity in Property Distribution and Inheritance: balancing fairness between siblings for future care
My elderly mother recently downsized from our family home (a house), with half of the sale proceeds gifted to my sibling for purchasing a house and the remaining portion used to acquire a more manageable flat for herself. She is very happy in her new place, and while that is of paramount important to me, and I am grateful…
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Want to take my Ex to small claims, but counter-claims are threatened
Hello, so last June, my partner of 4 years suddenly left me whilst I was abroad in Australia for 6 months. Just one week before hand, I had lent her £600 for her cat’s emergency operation (agreed via text with repayment by the end of summer). I also paid her £385 pounds as my first month’s rent for a house share. I was on…
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Divorce without employing a solicitor
I am looking into the possibility of DIY divorce as we are looking to split up amicably and we have agreed how to share our assets. We keep our finances separate so we have agreed not to claim on each other's assets. There are no children involved. The only asset that we own jointly is our home, and we have agreed on 50/50…
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Separated but cant trace ex
Hi I left my ex years ago (think last century). Have made a new life. No kids. Can they claim any assets I have acquired since I left (pensions, legacy and a house) Gave up all rights to matrimonial home when I left. Have no idea where they are now (very common name and cant remember any details about their…
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LPA & Preparedness
Hi all, Apologies if this isn't in the correct board. LPAs (financial and health&care) are in the process of being registered with myself as the attorney for both of my parents. I read the associated paperwork prior to signing etc and obviously to some extent 'know' my parents, however I'm also an only child and believe…
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Spouse inheritance tax exemption
A random question about inheritance tax. Spouse passed away and left a DIY will that basically requested that all beneficiaries receive equal shares of their estate including their spouse. Does the spouse receive a slightly higher amount based on the spousal tax exemption rule or should it be equal after tax has been paid…
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Both parents in Care Home but property only in one name
Hoping someone can help please. I have queries regarding my elderly parents for whom I hold LPAs for. In December 2023, my mother who has Vascular Dementia went into a care home, leaving my father who is 86 and blind at home with care coming into the home. In February 2024, my father quickly became too frail and unsafe to…
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Sweet sixteen
My daughter will be 16 later this year. What can you add to my list of things to consider, relating to her finances: - 16-17 Railcard (or 16-25 railcard? - stop child benefit - get NI number - make sure her work deducts tax and NI and pension contributions -ISA (junior or adult?)
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Pension sharing order - can it be avoided?
Going through a nasty fight over finances after a divorce. Ex is 20+ years older, I was not allowed to work for the majority of our 18 year long marriage. I applied for a pension sharing order in January 2023 but my ex has messed around, ignored court orders etc to delay this. In court last month he has announced he has…
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LPA - controls over loved one’s freedoms
Have invoked LPA over mum’s finances at Santander and Halifax after she was scammed. Experience with both banks was fantastic BTW, but it seems no bank offers what I would like and I wonder if anyone has any suggestions. Mum is independent and still wants access to her money which is fine. I can monitor and intervene after…
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Filipino wife in uk
Hello, I have a girlfriend in Philippines, we are not married yet. She has Philippines passport and I have UK passport. I was thinking of calling her on Marriage Visitor visa, get married in UK. Once the marriage is done, send her back to Philippines and then apply for partner/spouse visa which will allow her to stay in UK…