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Posted
  On 25/08/2022 at 06:21, cort1977 said:

Yes, but only on estates worth over around 600k. Despite price rises there's not that many of those.

 

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I thought it was 325k

Posted
  On 25/08/2022 at 09:51, junkyarddog said:

I thought it was 325k

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325k one person. If your spouse dies before you allowance goes up to 650k

  • Like 2
Posted
  On 25/08/2022 at 08:07, chadders said:

At the end of the day he's just getting an advance on his inheritance

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Fil lent us the money to buy the place we have now in 2015 and we just had to pay the interest on it till he dies. It was £300 a month for a three storey four bedroom house. Two Christmases ago he just said keep it and don't bother paying anymore.

I suppose we're just spreading our good fortune. When he does cark it her brother will get the equivalent to what he gave us.

  • Like 2
Posted
  On 25/08/2022 at 09:54, Mally said:

325k one person. If your spouse dies before you allowance goes up to 650k

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Plus:

  • £175,000 – since 2015 you've also been able to take advantage of something called the 'residence nil-rate band', commonly known as the 'main residence' band. This is an additional allowance you'll receive ON TOP of the existing £325,000 inheritance tax allowance if you pass on a main residence to your children or grandchildren. 

So up to 1m as the 175k can be doubled.

Posted

I paid housekeeping when I lived at mums and had a job. Money wasn't fab anyway so it did get spent on food and bills and everything else. 

I didn't mind tbh. When I moved out and started paying rent it was, in my head "only x more than I'm already paying". 

I think it's a good idea as it gets the main key bill set up in your head from a young age. I'd love to be rich enough to charge my kids it but save it all up instead for them. Who knows! 

I don't think about what the kids will do when their older yet. A 1 bed flat is £950/1000 a month on our estate so they've got no chance 😂

Posted
  On 24/08/2022 at 22:11, chaseracer said:

Because he is now on pre-mod, but - having the emotional maturity of a gerbil - still cannot suppress the urge to be a TOTAL DICK.

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Looks like he's now been booted for good?

Posted

Since I started any sort of work I was always expected to cough up come week end a percentage of my earnings, they’d not give a rats arse how much you’d pissed away, that £50 had better be on the table on Friday. If you had a day off during the week they would want you doing another job or picking up extra hours instead of sitting about, sounded harsh at the time but if you weren’t bringing any money in you were expected to hit the high road. Harsh but it gave me the work ethic and that there’s no room for baggage. It’s only when you actually move out you realised what good value £50 a week was to cover your board and lodgings. I fully expect to have the same policy for my kids as they get older and start a job. 

It’s a difficult life for kids these days in a lot of circumstances it’s a nice car or a house several years down the line but often a harsh situation hardens your resolve.

Posted

I paid board while living with my folks after uni. I never thought for a second I'd ever be in a position to buy a house, so instead of trying to save up say £10k for a mortgage deposit (can you tell this was a few years back??) I saved up about £3k to cover a deposit on renting somewhere and covering other assorted costs with kitting out a house, and financed a new Qashqai with some of my income. Had I known what I knew now, that about 6 months later my gran would offer to chip in a large amount of the money I needed for a mortgage deposit (getting my share of the inheritance early, basically) and that the Megane I was driving and was convinced was about to die on me would actually pass it's next MOT with flying colours, I would have not had the car and probably been in a better financial situation for the first 6 months or so of living in this house (a situation that being made redundant and finding a much better job ultimately fixed) - I would probably not have been able to move out much sooner than I did and wouldn't have got as lucky as I did with this house, though.

 

Posted

Why are Dyson vacuum cleaners so fucking shit?   Dad, “don’t bring your own hoover, I’ve got a Dyson” tried to vacuum his house with it and it took 20 mins to clean all the shit out of it and it still doesn’t work, in fact it’s shit a load of dust all over the carpet. Flimsy as f00k too..

9484D417-9D82-4E0C-8DEA-286DA71B47F6.jpeg

F6CBB49E-4A7D-4FA2-8BF1-4F292291FEAA.jpeg

Posted
  On 25/08/2022 at 10:14, beko1987 said:

I paid housekeeping when I lived at mums and had a job. Money wasn't fab anyway so it did get spent on food and bills and everything else. 

I didn't mind tbh. When I moved out and started paying rent it was, in my head "only x more than I'm already paying". 

I think it's a good idea as it gets the main key bill set up in your head from a young age. I'd love to be rich enough to charge my kids it but save it all up instead for them. Who knows! 

I don't think about what the kids will do when their older yet. A 1 bed flat is £950/1000 a month on our estate so they've got no chance 😂

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My mum had the attitude that you had to pay something towards your keep once working, but at a level so you could still save enough so you didn’t stay forever, but not too low , So you also stayed forever. 

Posted
  On 25/08/2022 at 14:15, Lankytim said:

Why are Dyson vacuum cleaners so fucking shit?   Dad, “don’t bring your own hoover, I’ve got a Dyson” tried to vacuum his house with it and it took 20 mins to clean all the shit out of it and it still doesn’t work, in fact it’s shit a load of dust all over the carpet. Flimsy as f00k too..

9484D417-9D82-4E0C-8DEA-286DA71B47F6.jpeg

F6CBB49E-4A7D-4FA2-8BF1-4F292291FEAA.jpeg

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How filthy is the filter on the bottom side? Is the brushroll turning at all when reclined? Is it clogged by the brushroll? Is the little hose underneath split? 

If you think that a dc07 is flimsy and shite just wait until you use a modern one 😂😭

  • Like 3
Posted
  On 25/08/2022 at 14:30, beko1987 said:

How filthy is the filter on the bottom side? Is the brushroll turning at all when reclined? Is it clogged by the brushroll? Is the little hose underneath split? 

If you think that a dc07 is flimsy and shite just wait until you use a modern one 😂😭

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The whole thing was rammed with shite, it was like someone had vacuumed up a few cremated remains. I spent 20 mins unclogging it all and got a few lungs full of dust, there’s a pipe down the middle and it was absolutely clogged solid. Weirdly the filter at the bottom seems to be a recent replacement and is clean. The brush spins around ok too. After all that cleaning it still didn’t work, in fact it deposited some human ash all over the carpet when I turned it on which I couldn’t clean up because the vacuum isn’t working.

I was going to do the decent thing, take it outside and smash it around a lamp post but seeing as it’s not mine I wound the cord back up and put it back where I found it. Would any Dyson perverts like it if my Dads decides to bin it? 

Posted
  On 25/08/2022 at 06:21, cort1977 said:

Yes, but only on estates worth over around 600k. Despite price rises there's not that many of those.

 

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Exactly and sorry, I should have said the threshold is €32k not %, so unless your a spouse or dependant, you’re taxed at 32% on everything over €32k. Oh, I’m not a benefactor by the way, just think it’s robbery given the amount of tax she paid in her lifetime.

Posted
  On 25/08/2022 at 14:45, Lankytim said:

The whole thing was rammed with shite, it was like someone had vacuumed up a few cremated remains. I spent 20 mins unclogging it all and got a few lungs full of dust, there’s a pipe down the middle and it was absolutely clogged solid. Weirdly the filter at the bottom seems to be a recent replacement and is clean. The brush spins around ok too. After all that cleaning it still didn’t work, in fact it deposited some human ash all over the carpet when I turned it on which I couldn’t clean up because the vacuum isn’t working.

I was going to do the decent thing, take it outside and smash it around a lamp post but seeing as it’s not mine I wound the cord back up and put it back where I found it. Would any Dyson perverts like it if my Dads decides to bin it? 

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even if a filter looks clean , it may not be , I had this with a hoover used for plaster , filter was white and new looking till I dropped it some water and it turned grey and lumpy .......

  • Like 2
Posted
  On 25/08/2022 at 17:34, Wibble said:

Exactly and sorry, I should have said the threshold is €32k not %, so unless your a spouse or dependant, you’re taxed at 32% on everything over €32k. Oh, I’m not a benefactor by the way, just think it’s robbery given the amount of tax she paid in her lifetime.

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Despite the fact that I'm going to attempt to leave my kids more than the inheritance tax ceiling, I occassionally wonder what would happen if inheritance tax was 100% of everything over say £1000.

Obviously people would take inheritance tax planning more seriously.   People would think carefully about how big an asset they needed to live in, and downsizing might be more a thing. People might spend money enjoying retirement, as they try to spend it all before its too late.

Also gifts during thier lifetime to offspring might be more likely.  In which case money might be transferred down to the next generation when they actually need it, when they have young kids and a mortgage.  Rather than, now, when people typically inherit when thier own kids have left home, and they've already paid off thier mortgage. 

I've spent 20 years telling my parents, spend it whilst you can, anything you leave to me will be spent on unsuitable cars and holidays to somewhere hot. 

  • Like 3
Posted
  On 25/08/2022 at 19:28, New POD said:

Despite the fact that I'm going to attempt to leave my kids more than the inheritance tax ceiling, I occassionally wonder what would happen if inheritance tax was 100% of everything over say £1000.

Obviously people would take inheritance tax planning more seriously.   People would think carefully about how big an asset they needed to live in, and downsizing might be more a thing. People might spend money enjoying retirement, as they try to spend it all before its too late.

Also gifts during thier lifetime to offspring might be more likely.  In which case money might be transferred down to the next generation when they actually need it, when they have young kids and a mortgage.  Rather than, now, when people typically inherit when thier own kids have left home, and they've already paid off thier mortgage. 

I've spent 20 years telling my parents, spend it whilst you can, anything you leave to me will be spent on unsuitable cars and holidays to somewhere hot. 

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whats the chances this lurgy ridden govt will change the rules weeks before you shuffle on from this existance having spent time ill being unable to update the will

Posted
  On 25/08/2022 at 19:50, MikeR said:

whats the chances this lurgy ridden govt will change the rules weeks before you shuffle on from this existance having spent time ill being unable to update the will

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Is @New POD planning to die before the next election then?

Posted

I'm an executor of my Late Uncles estate,things are progressing slowly because I live in Ireland and he lived in the UK.

I received a council tax bill for £1,200 during the week,since it's six months since the Grant of probate was issued,and after that the local authority charge council tax again.

Can't say I'm impressed with this,seeing as the property is vacant,after next March it will be nearly 2k!!🙄

 

Posted
  On 25/08/2022 at 17:34, Wibble said:

Exactly and sorry, I should have said the threshold is €32k not %, so unless your a spouse or dependant, you’re taxed at 32% on everything over €32k. Oh, I’m not a benefactor by the way, just think it’s robbery given the amount of tax she paid in her lifetime.

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I don't see the problem really. The threshold for a spouse or child is €335k. Most people leave their money to their spouse or child. If you aren't one of the immediate family you pay 33% in tax on the bequest. Everyone wants services and there must be some way to pay for them.

Posted
  On 25/08/2022 at 21:13, artdjones said:

I don't see the problem really. The threshold for a spouse or child is €335k. Most people leave their money to their spouse or child. If you aren't one of the immediate family you pay 33% in tax on the bequest. Everyone wants services and there must be some way to pay for them.

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Sorry, I disagree. She never married and had no children, so I would say my Mother was her immediate family. What services? From my experience in dealing with her estate, the only service she got was water and they tried charging for that for a while. She had to pay local property tax, pay for refuse collection and health care. I may be missing something as I don’t live there but seems a pretty raw deal to me.

Posted
  On 25/08/2022 at 21:11, junkyarddog said:

I'm an executor of my Late Uncles estate,things are progressing slowly because I live in Ireland and he lived in the UK.

I received a council tax bill for £1,200 during the week,since it's six months since the Grant of probate was issued,and after that the local authority charge council tax again.

Can't say I'm impressed with this,seeing as the property is vacant,after next March it will be nearly 2k!!🙄

 

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You are experiencing the same as me but from opposite sides of the water. I’m pretty sure you could get around the council tax as the property is empty. Worth looking into further. Good luck!

Posted
  On 25/08/2022 at 22:19, Wibble said:

You are experiencing the same as me but from opposite sides of the water. I’m pretty sure you could get around the council tax as the property is empty. Worth looking into further. Good luck!

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I called them up to discuss it,but it has to be paid apparently.

Unless anybody knows different?

It's a lot of money for no benefit really.

 

Posted

I mean, you need to declare inheritance tax these days.  The government trusts you to say if you owe owt as the amount of people who rip it off is less than it takes to pay people to police it. 

Just fucking lie on the form. 

Okay,  if your dads Richard Branson but if you're flogging a £500k house just lie about the value and keep hold of it for a bit. If you get pulled on it just plead stupidity. 

No cunt earning minimum wage at HMRC is going to give a fucking toss. 

  • Like 3
Posted
  On 25/08/2022 at 22:31, junkyarddog said:

I called them up to discuss it,but it has to be paid apparently.

Unless anybody knows different?

It's a lot of money for no benefit really.

 

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A quick google suggests this is correct. Free for 6 months after probate, then full amount. Sorry, that sucks.

Posted
  On 25/08/2022 at 22:31, HillmanImp said:

I mean, you need to declare inheritance tax these days.  The government trusts you to say if you owe owt as the amount of people who rip it off is less than it takes to pay people to police it. 

Just fucking lie on the form. 

Okay,  if your dads Richard Branson but if you're flogging a £500k house just lie about the value and keep hold of it for a bit. If you get pulled on it just plead stupidity. 

No cunt earning minimum wage at HMRC is going to give a fucking toss. 

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Unfortunately I’m dealing with an estate in Republic of Ireland with solicitor and auctioneer involved so no escaping it.

Posted
  On 25/08/2022 at 14:30, beko1987 said:

How filthy is the filter on the bottom side? Is the brushroll turning at all when reclined? Is it clogged by the brushroll? Is the little hose underneath split? 

If you think that a dc07 is flimsy and shite just wait until you use a modern one 😂😭

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I had a DC04 for about 20 years. It was a bit like Triggers broom but fake parts are available on eBay very cheap and they fit together like Lego. The newer ones are far more fragile and use more brittle Perspex that looks good but isn’t as tough as something like ABS. 
As for the new cordless ones at £600 a go…

Posted
  On 25/08/2022 at 21:03, wuvvum said:

Is @New POD planning to die before the next election then?

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It's okay I'm dead inside already. 

Posted

Just over a week ago my son, tested positive for covid whilst staying in a hotel for work, so Rather than go home, to his wife, who is 6th months pregnant (And has other risk factors too) he decided to come to me,  And confine  himself to the spare room and one bathroom.  So for 10 days I provided him with meals, and kept as far away as possible. After 10 days but still testing positive they jointly decided it would be safe for him to go home.   My Dad had laser surgery about 6 months ago on his vocal cords which had cancerous growths and was given the all clear. And yesterday had was rushed into ITU because he's struggling to breathe. Because his vocal cords are closed up. (Maybe the cancer came back?)  

Anyway, I really don't want to visit, in case I've caught something from my son. Haven't seen my wife for nearly 3 weeks as the decorating was affecting her eyes badly.  And she thinks I shouldn't come home this weekend just in case...I test negative, but she's also got some high risk factors. 

And I woke up at 3am and started reading work emails.  Back in January I spent a day looking at a particular problem, and I gave the technician a sketch of how the tool should be different, given that the tool design, woukd have got you a 1/10 In college.  Then I was pulled off, into something else and the technician updated me, to tell me it was now fine. Well, she's on nights now, and the afternoon shift were having a problem, so I went and had a look at the new tooling and new press. Completely fucking ballocks. Anyway I managed to get the old tooling running which gave a 10% failure rate instead of 90% failure rate for the new tooling.  Because of the shit with my dad, I didn't email before I went home, but I mentioned it to the business unit manager.  Anyway middle of the night there's an email from.the technician. What a total and utter load of ballocks. 

I've politely put the record straight, and in 2 hours the apprentice will be talking to the tool maker with my original sketch. I'm fucked if I'm actually going to draw it on CAD myself. I've worked out the critical dimensions, what more do these people need? 

 

Posted
  On 26/08/2022 at 05:03, New POD said:

I'm fucked if I'm actually going to draw it on CAD myself. I've worked out the critical dimensions, what more do these people need? 

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'Half a job Bob'.

  • Haha 2

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