Thanks – makes me feel much better, anyway the rescheduled meeting is now in Birmingham on Monday – that’s Monday the 12th, I have even printed the e-mail confirming it off.

Definitely going on Monday :lol:

M&S balanced for you at 3 for £10 are very good. Microwaves in five mins.

He will read the lease and give you advice on the terms of the lease, its fairness, the conditions it imposes and the protections it offers to both you and the landlord.

If you then follow his advice he also takes on liability for the advice he gives you, this can be very useful. We leased a commercial property with what we thought was an option to buy, when we tried to exercise the option we had to pay £70,000 more that we had been led to believe. Our solicitor had read the lease wrong and as a consequence the advice he gave us was demonstrably wrong. His insurers paid out the £70k.

Had we had not of used him, we would have never spotted the faulty clause in the lease and would have been out of pocket.

For the level of protection it offers you it is worth using a specialist solicitor.

Get some advice from the Macmillan helpline 0808 808 00 00 – they are happy to help families as well as those who are living with cancer.

Ultimately she needs to be told,and it’s best coming from the family, but you need to liaise with the nursing home as they will be able to help you with picking a time when she is most lucid.

Won’t be easy and I don’t envy you the task but call the helpline.

Waterloo by ABBA from Andy’s Records in Peterborough.

Yoghurt for Breakfast, Pie for Tea?

Two broke girls – and the new series starts on Tuesday. :D

Salt is the answer.

We took my dad for a day at Newmarket Races. Dad, Mum, 3 sons with wives and all 6 grandchildren. We rented a bus, all got dressed up had a really nice meal, and he won a few quid too. Great day out.

I have helped out a few members with advice over the years via direct messages. But at least they were part of the ‘community’so I saw it as payback for the useful answers to the questions I have asked on here.

I don’t think anyone has an obligation to answer things like that especially when there is no association.

If you don’t keep running you will be run over.

Always found these people to be good – https://www.theformationscompany.com/

Cheesecake Factory on Macy’s Roof Terrace in Union Square!

In all seriousness grab an open top bus tour from Union Square as a first step, this will give you the layout of the city and give you an idea of what you might like to see in depth.

We took a bike tour from Pier 39 to Sausalito, it took about half a day and was fantastic. Cycling over the Golden Gate Bridge is a real highlight.

The default age is 18.

Most people choose 21 as an age to let the kids have the cash as they should be leaving Uni/ buying a house by that point. There are lots of reasons to do with the Tax treatment of trusts that you should not go beyond 25.

In a well constructed Will you would normally delay the absolute entitlement until age 25 but give the trustees discretion to release funds for the Maintenance, Education or Benefit of the Child(ren).

I deal with this every day, care is a huge issue and is only going to get worse. As soon as you get any indication that they are going to need help seek some advice (professional not the man in the pub type).

Lasting Powers of Attorney are a must, and always do both. Saving a few quid by just doing the financial one is no good when the Local Authority won’t talk to you about a care plan.

If anyone in your family is living with dementia it is really worth while attending a dementia friends information session.

Info on both http://www.lastingpowerofattorney.info/
https://www.dementiafriends.org.uk/

We chose – I Love You Because You Understand Me – Jim Reeves, slow dance lyrics with real meaning.

We got up to dance and the DJ announced the song we had chosen followed by the words ‘But I haven’t got that one so here’s the Power of Love by Jennifer Rush’

One very unhappy pair of newlyweds.

It was 1985 but Jennifer Rush was the worst of the three Power of Love songs released that year, and he only had to ask and we could have lent him our copy of ‘I love you because’.

£25 and 40 Euros in the wallet and £3.70 change.

What about the Vivoactive – seems good but not very girly.

Another vote for Samuel Windsor here, great for work and if you buy two pairs at a time £35 a pair.

They tend to last me about 9 months, and then I buy some new ones as it is cheaper to buy a new pair than to have the soles and heels done.

Mini PSA Clearance ones from £25 on the site at the moment. http://www.samuel-windsor.co.uk/shop.cfm/end-of-line/shoes/73/6411

Rumer – Karen carpenter reincarnated.

Madness supported by the go-go’s Peterborough wirrina 1979 or 1980 I think.

Paul Weller has an interesting take on this. His most popular stuff is his early stuff – The Jam, Style Council and early solo stuff, but he keeps going partly because he is motivated to produce new music and partly because he doesn’t want to become his own tribute band.

There are countless bands out there who are now doing a bad parody of their younger selves and getting away with it.

Firstly – It can be sorted.

The type of trust you have is either a Lifetime Interest Trust or a right of residence. What you need to do now you have the grant of probate is to assent the trust. This is done by transferring the property into the names of the trustees (You and X). Once this is done X will be responsible for the bills, in line with the trust provisions. As an executor X has a fiduciary duty to the beneficiaries of the Will and could be held liable for any costs due to their delay.

As you have a grant of probate you can get the bank to transfer the frozen account funds into an executors account (which you should have already opened) once in their you can reimburse any expenses incurred and use the free cash to pay any more bills.

If you call next week I am out of the office on Monday and Tuesday but in from Wednesday onward.

We can talk about principal private residences, immediate post death interest trusts and the effect on x’s tax position at that point. :D

HI,

I run Will & Probate Services based in Peterborough, this is not a pitch for business, but if you want a chat and some informal advice I am happy to spare you a little time http://www.will-probate.co.uk/contact/4564961772

It sounds like you are some distance down the line, and also you mention an obstructive executor so I assume you are a beneficiary rather than an executor. This in itself brings about a number of issues as it is only the executor that is empowered to act and there is limited information that they have to give to beneficiaries before the administration is completed.

You need to get some advice as it is unlikely that you would be able to appoint a probate firm in any case unless you are an executor.

Sorry it’s not positive.

Nick.

So after taking your advice – I went to the local John Lewis yesterday – all of the staff (there are 3) have now got a nice box of Hotel Chocolate chocs and a John Lewis voucher coming their way.

As fionap said, best to treat everyone equally.

I did mention staff plural, but they are all happy with some John Lewis vouchers.

As for the ‘other type’ of suggestions – she is younger that my youngest son so get your dirty minds out of the gutter.

I was just wondering if there is some cool must have gift or equally cool store that all 18 year old girls are shopping at. John Lewis vouchers don’t seem right for a youngster.

Cyclist is my other sub, it’s a good read. Three issues for a fiver as an initial offer http://cyclistmag.co.uk/magazines/?utm_source=CYC_brand_site&utm_medium=referral&utm_campaign=main_nav_bar

I put my son and his car (18yr old son 10 yr old car) on an Admiral multi car insurance policy. It was slightly more expensive for me and my wife’s individual cars but overall when adding the three together it was by far the cheapest option. We got him and his 1.4 VW Golf covered for around £750.

As I pay for all three that’s what worked best for me.

Most mornings, I have Raspberries, Blueberries (both frozen) with fat free vanilla yoghurt, apple juice and a couple of spoons of oats all blitzed together. Tastes amazing and keeps you full til lunch – without the oats I am hungry again within a couple of hours.

I was involved in some research on this in a previous life turned out the two things that everyone had on their desk were a coaster and a mouse mat. So we made a really nice coaster and mouse mat set – everywhere I went for a couple of years after that they were on peoples desks for everyone to see. We were dealing with insurance companies with big call centres at the time.

Matt he is 18, 6’2″ and about 70kg. Would the Blaze be Ok for him?

Quite the opposite looking for an apprentice in Peterborough to do a Chartered Institute of Legal Executives Apprenticeship – can’t find anyone to fill the vacancy. My last ‘Apprentice’ lasted 3 weeks 4 days work, 11 days ‘sick’.

I wear a copper and magnetic bracelet. Have done for over 15 years. Started wearing one when I got a constant nagging pain in my hip. The pain went away, and I have worn the bracelet 24/7 since. Was it coincidental, is it all in my head? I don’t care because my hip doesn’t hurt anymore.

Can’t stand In our time, but the long view is a good history documentary.

Drlex you got me. That’s what I do for a living :D

Tenants in Common would be the correct form of ownership for an unmarried couple. You can specify the share of property that each owns (if you don’t the default is 50/50).

You would then formally be a joint owner of the property, if that’s not what you want a deed of trust referred to in my earlier post will recognise your beneficial interest without becoming a legal owner of the property.

If you have sold your main residence there is no CGT as you will qualify for principal private residence relief on any gain you have made.

The money that you give to your girlfriend will be a Potentially Exempt Transfer from your estate. Live seven years and it is a gift without consequence, die in that time and it will be assessable in your estate for Inheritance Tax purposes.

You should, together with your girlfriend put in place a Deed of Trust which recognises your contribution to her house purchase. If not you may never be able to recover the gift if you split or if she dies (although that may be what you want).

Finally your girlfriend needs to make/ update her Will to make clear what happens in the event of her death, if you are unmarried you cannot inherit from each other without this in place. You should do one too.

Self Employed Will Writer and Estate Planner, really interesting because of the people I deal with – Love it.

Moonfruit does that. Easy to use and free.

I’m a will and probate bod. It sounds to me like there are some residual benefits payable from an occupational pension scheme. The trustees of the scheme probably want you to sign a disclaimer so that they can release funds to wife 2. Fairly standard stuff to cover their backs, so not likely to cause you any issues. I am in Spain at the moment, but if you can wait til next week I would be happy to chat and pass my eye over stuff. Contact details are at http://www.will-probate.co.uk

Nick.