My position is a good chunk of the initial £40k deposit is immediately wiped out by the decline in value of the property.

Why would you take the decline in value out of the deposit only, the decline in value is over the whole £145k, not just the £40k. Not sure how you could think that rule could apply.

Tell her she can have half of the equity on receipt of payment of the nine years’ worth of mortgage repayments she’s failed to make on the flat she part-owns.

And then charge the girlfriend 50% of the rent for the property. That should work out around exactly the same.

I’d guess rental would probably be around £500 for a flat that value, assuming 2 bedrooms, so over the 9 years £54k.  I think your girlfriend has done okay out of it.

That alone is enough to rule out a 50/50 split

It’s enough to rule out a 50:50 split of the full equity, but the £40k that dad put in needs to be split 50:50 at it’s current value. They can argue over the other £1500.

To say the sister is money obsessed is an understatement. Thankfully my missus is super chilled and laidback but I’m conscious that she will get bullied into giving more than she should

Doesn’t change things at all.  It’s not about being bullied.  Your girlfriend got to use the flat for 9 years, fairest way is to split 50:50 what the £40k is worth now.  The sister could suggest that over the 9 years she could charge your girlfriend what she lost in potential rental income.

Maybe need to work out what the equivalent rent would have been and split that element too? It’s just going to be messy.

I think if you applied that theory the sister might end up with more money :)

One way would be repay all the mortgage contributions to both (10 years to 1, 1 year to the other) and then split what is left down the middle.

But the girlfriend had the benefit of living in the property for 9 years.

I do think the fairest way is taking the initial lump sum from dad as a percentage of original vulvae, then applying that percentage to the equity and splitting 50:50. So £34,482 split 50:50.

The fair way would be 50% of the equity minus the 9 years of mortgage payments divided by 2 wouldn’t it?

No, because the girlfriend got the benefit of living in the property for 9 years.

I think the loss in equity needs to be calculated in percentage terms of initial property value and current value rather than £20k.

I’m siding with the sister here.

It’s a tricky one as I guess the sister is thinking that if her dad put £40k and there’s roughly that left in equity then she should get 50%. Looks like she’s not even considering the fact that your girlfriend has been paying the mortgage for 9 years, but I guess she’s had the benefit of not sharing the property with anyone.

The £40k would need to be considered though and in percentage terms that now equates to about £34.5k, so I kind of see where the sister is coming from.

Well i have £3k of cash in there, maybe time to invest that while its cheaper to do so.

That depends how happy you are to take a risk, how much you need that £3k and how long you’re happy to leave it in a stocks and hares isa for example.  Put £3k in today and it might be worth £60 less tomorrow, then the same the next day and so on. It will recover but you shouldn’t invest money in the hope of a short term gain if you can’t afford to lose it.

As above I bought the Wahoo Element Bolt at the start of this year, really great device and so easy to set up compared to the garmin I previously had. Everything uploads to strava so no clunky software to deal with.

Bought a honda accord tourer new in 2005, just traded it in In December 2017 with 170k on the clock.

Still have my 1987 Citroen 2CV I bought in 1988, so 30 years of ownership.  Am I winning :)

I have bupa and had an mri scan on my knee on the Wednesday then surgery the Monday of the next week.

Loving the fear hating the loss!!

It’ll recover, I’m down about 1.6% at the moment but that’s the nature of it.

Don’t believe I said that I thought I was important anywhere?

I didn’t say you said you were.

I said the job can bestressful, which it can be. I’m off on holiday tomorrow though, so not so much today…

The day before I go on holiday is usually the most stressful for me, and generally I never get stressed about work, are you sure you’re as important in the workplace as you suggest? :)

I’ve had the bike a year and not had an issue with it, no squeaks at all.

Overview only here, I wouldn’t look at the forums separately. I just have a quick scan down the overview to see what shite people are fighting about now :)

I’ve got the arkose 4, great bike for commuting but the boardman is a lot more fun to ride. Although to be fair on the arkose its in full on commuter mode so the boardman is always going to feel better to ride.

Chances are it’ll be the same person you’d see on the NHS

I have private healthcare and any time I’ve had a consultation it’s been at a  private hospital.  Also had knee surgery which again didn’t involve any visits to nhs hospitals.

But as above your gp refers you.

I’ve got the Boardman, and I love it.  But I only paid £613 for it as halfords dropped the price to £800, then I got BC discount then used a discounted gift voucher for the rest. I’d be gutted if I’d spend £1k on it a week before

in fact, I’ve got the 10 bedroom bunkhouse booked for a mountain biking trip with my pals at the end of March

Might see you in the anchor for a pint then :)

I d max out on premium bonds over a 1 to 2 year period.

There’s a £50k max holding per person, you can’t add £50k per year. So £50k in premium bonds and the other £10k in a current account of some sort, Santander 123 probably your best bet.

We have a similar amount in premium bonds at the moment and it’s doing alright. You can stick a max of £50k in, we wanted short term risk free so that was the best option.

I do 20 miles each way, pretty much every day.  I love it but I wouldn’t like it to be my only option, that would be tough.

I’ve been doing it for 10 years and doing it 5 days in a row is still quite hard work.

Camping pods at Gorsebank near Dalbeattie, you can ride straight onto the dalbeattie 7 stanes trail from the site.  Lots of nice roads to ride too.

Edit: I guess your holidays are over easter so you might struggle to get somewhere for two weeks.

Not a chance! Riding on a stationary bike does not interest me!

Interested enough to ask a question and make a statement about it though :)

I’d take the tape off and use a towel on the tops.

and I’ll add that having a rule where you never have visitors during the week because you have a ‘stressful job’ is just a but odd.  Sometimes it’s nice to do something different.

No need to clarify, I understood the situation in your first post.

Again, genuine question – is the fact that it’s inconvenient and, to an extent as koldun suggested, stressful to have them during the week not a reason?

I’ve yet to see a genuine reason why it’s inconvenient, other than it stops you doing what you do every other evening.

but to me it seems like most are reading that we’ve said no to a visit altogether,

Not at all, I’m reading it as she can come at a time that suits you, and you’re not really prepared to change your routine.

Are you honestly saying that any time a parent/in-law asks you for something the immediate answer is always yes and that you should never be able to say no?

No, but you don’t have a good reason for saying no.

You asked for an opinion, you’re then challenging every opinion that’s different from yours. Did you just want everyone to say ‘yes, you’re doing the right thing’, a bit like the dog name options scenario?

why are our wishes less important than hers?

Because she’s your partners mum, and if you can’t grasp the fact that sometimes you need to put other people first then you’re a lost cause.

Do also remember that a lot of people saying ‘I’d tell her to get lost’ type stuff wouldn’t actually do that in real life.

Of course this isn’t your first in law issue is it……..

isn’t it nicer to just choose one of the options rather than saying you don’t like either? If we had chosen one of those names (we didn’t in the end) then we’d always have known she didn’t like it

Oh, so you didn’t like them either? Seems odd that you would prefer it if she lied to you just to spare your feelings.

Parents can be tricky to have to stay, sometimes they don’t like to do stuff like make the dinner as they feel they’re taking over particularly when the people concerned appear a bit set in their ways. My mum didn’t help much when she came to stay but we just took it on the chin, we were making dinner anyway so it was just as easy to make it for one more. You just need to be a bit more understanding.

She also had a moan about the dogs name – we asked for peoples opinions on 2 options and she said “I don’t like either of them”.

Is that not allowed, you did ask for opinions.

Interesting that people think we’re being unreasonable, I didn’t expect that. For those that thought that, isn’t it sufficient that we’re saying come at the weekend instead (with no restrictions)?

When my wife’s parents were alive they would come and stay at ours midweek as they liked to leave us to have free time at the weekends. When my wife’s mum died we used to take her dad on holiday, it was far from ideal, but he needed a break and he enjoyed our company. Sometimes we need to do things that suit other people, particularly our parents, rather than ourselves.

I think you’re making a far bigger deal of this than it needs to be, its a few days where your otherwise dull evenings will involve someone else, hardly the end of the world.

Stick  to your guns. Midweek is no time for houseguests. You’ve told her you are busy. Her crying is no way to negotiate. Ridiculous. Don’t fall for this sort of thing. This is 5yr old behaviour. “I want to come now and if I don’t i’m going to cry….waaaaaahhh waaaaah etc”

Have you thought that she might be crying because it’s upset her?

Are we being unreasonable in refusing guests midweek or is MIL?

There’s a difference between ‘refusing guests’ midweek and refusing to have your wife’s mum to stay.  It might be a pain, but suck it up and stop being unreasonable.If she works weelkends then perhaps the ones she gets off she would like to spend at home?

We don’t have our parents forever so enjoy their company when you can and I agree completely with cinnamon_girl

I’d buy a Peugeot all day long over a Vauxhall.

Having owned both I’d take a Vauxhall over a Peugeot every single time. I had a vectra for about 5 years and it was faultless, had a Peugeot for a bit longer and although mechanically okay the car was a shambles with constant niggly electrical and sensor faults.

I would never buy another Peugeot.

Surely not clicking on a 100 British Walks thread the day after broadcast would’ve been a sensible precaution?

I wasn’t being serious, and don’t call me shirley.

Helvellyn winning should have at least featured the classic walk around the egdes instead of up Kepple Cove.

I recorded it but won’t bother watching now I know which walk won :)

Where’s that ‘spolier’ feature?