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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…
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Looking for estranged relative
I am wondering how to go about finding out if an estranged parent is still alive. I am not looking to make contact, nor to try and claim anything from them / their estate. It really is just a curiosity. I know first name, middle name, surname and a rough age (80's), but that is about all. There are no family members known…
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HICBC net adjusted income pension tax relief
In the child benefit article in relation to working out net adjusted income when money is paid into a Personal Pension it states '...and £133 for every £80 you pay in if you pay tax at 40%'. From what I've understood from researching elsewhere and example calcs done on HRMC web site I thought only basic relief 20% was used…
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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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Cost of care for the elderly
My husband, aged 74 years has dementia and had to go into permanent residential care. He is self funding, except for the attendance allowance of just over £100 per week. Any assets over £23,250 mean that he pays for everything. That figure has not risen since goodness knows when. It was the same when my mother went into…
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Power of Attorney
My FIL has power of attorney for my MIL. Unfortunately, she has dementia so no one else can be her attorney. If my FIL passes away before her, what happens? Who would have permission to look after her finances and care? Their will at the moment states that if either of them pass away, the money will go to the other one, so…
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Obtaining settled status for my EU wife
Hi all, I'm looking to find a solicitor to help us with the paperwork for my Cypriot wife to join the UK. I'm pretty bad at this so want to just leave it in the hands of a professional. Any recommendations for proven solicitors?
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Refusing dementia screening
My father has had several episodes over the last year where
infections have caused his memory issues to temporarily worsen
significantly until the antibiotic course kicks in and he has more
clarity again. Following the most recent episode, he took the
antibiotics but failed to take his any of his other tablets…
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My partner's son - legal arrangements if she dies
My partner's son is 14. His dad died when he was little, and there are no other living relatives on his mum's side. On his dad's side the only relative they're in contact with is his dad's cousin, and this is limited to the exchange of Christmas and Birthday cards. My partner and I do not live together, and we are…
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POA - Error
Hi I am POA for my mum, as is my brother. We have just realised that there is an error on the POA forms in that I am down as a Mrs when I am a Miss. Does this mean that the POA is not valid? Would we have to cancel it and pay for another new one? I will ring them on Monday but wanted to check here first. Thanks
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Having to buy car as partner has new job
Unsure how to handle this tbhPartner has a new job & needs to use only car. Ive been told I have to buy one, myself to do the usual dad taxi etc stuff When asked if they'd contribute, told theyd pay for themselves to be added to the insurance
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Gifting and DDOA etc
I understand that if a parent gives their gown-up child a large amount of money this could cause problems if the parent then needs to go into a care home in the near future. What happens if a seemingly innocuous item is discovered in the parent's house, which arguably belonged to the child originally so the child takes it…
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Joint account and separation
Hi all H has recently announced he's leaving me. We're now in the process of trying to sort out our joint account. He has suggested that he gives me £1000 each month to cover the debts (loan & credit card) on the account and that I keep the account. (Despite the debts actually being in his name.) I don't currently have any…
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Care Home - Banking
My 83 year old MIL has recently moved to a Care Home (in Scotland). Her home has just been sold to fund her care. My questions are: What is the best bank account to keep the funds from house sale in? She has a current and savings account with Nationwide. If money is in a high interest account, will she have to pay more…
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Changing surname after marriage in UK as Dutch citizen - Should I apply for a British Passport?
Hi all, I am after some very specific advise! I am a Dutch national and have lived in the UK for the past almost 12 years, I have settled status since Brexit. In April I am getting married to my British fiancé and I intend on taking his surname. Completely unaware of how the Dutch government works when it comes to this I…
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Car loan
Hi, Sadly my husband and I have separated so I am looking at my finances. I have a car loan which my dad could help me pay off - either take over the monthly payments or pay off the whole amount but would this come into question when solicitors look at our joint accounts? Would I be penalised for paying it off early eg: I…
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What is the latest state of play on Care Home planning etc?
I made my will a good few years ago, and it puts the house (split 50:50) into a Trust on the first death etc etc. However a Saga communication I have just received says that Local Authorities may very well (why can't any of these commentaries state a position outright? It's always may or could be, never is) treat a…