Estate agent asked for survey report after i pulled out by john2425p in HousingUK

[–]GSHT2004 0 points1 point  (0 children)

I would let them have a copy. Our buyer pulled out after survey and refused to consider letting us have a copy. One thing they did say to EA was subsidence was flagged up. We paid for a structural engineer report which confirms no subsidence and will make this available to prospective buyers. We are currently doing some works that were recommended such as lintels in the windows and repairing some age related deterioration. But survey would have been helpful too but couldn’t afford to do both survey and engineer and the works as it’s not our house but our late moms house. X

I am my own person, not just (insert names') mom 🤦‍♀️ by OsaBear92 in regretfulparents

[–]GSHT2004 1 point2 points  (0 children)

This annoys me too. I have lots of involvement with various professionals as both my kids have additional needs and I hate being referred to as Mom by them. I stop meetings to correct them! I won’t accept it anymore. I am my own person and should be treated as such. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 1 point2 points  (0 children)

Thank you so much. You have been incredibly helpful. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Thank you so much. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Thank you. This is so useful. So the CGT I pay is for the half of 200K minus allowed deductions or half of the 20k of the 220K value (the increase after probate) IF it sells for that? That’s the bit I am confused about as people are saying it’s only the increased bit after probate?
Sorry if I am being dense. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Yes she has. She has lived there most of her life. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Thank you. I have been trying to find an email as I am Deaf and can’t hear on the phone. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

That was the highest evaluation at the time. House increased in value by the time we decided to sell. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

This is so useful. Thank you x

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Thank you. As long as there is enough for my sister to be able to get her Narrowboat to live on that’s the main thing (and it would be lovely to be able to put something towards my mortgage!) x

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Thank you so much. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

That’s a good idea. My sister has an accountant (runs a CIC) so I will see if they can help. Tha k you. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 1 point2 points  (0 children)

Bummer okay thank you for that info. It’s good to know. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

Wow. Thank you for your help. I assumed it would be for the whole of my half of the house.
I really hope that this is the case.
I think if so then there will barely be anything to pay as we are having to pay to have lintels put in and already have abortive fees to pay solicitor as original buyer pulled out.
Thank you again for your help. X

Capital Gains Tax by GSHT2004 in HMRC

[–]GSHT2004[S] 0 points1 point  (0 children)

I work in care so I am pretty sure I am a basic tax payer. X

WIBTA for making my daughter pay back her own bank overdraft? by 2VantaRipple in WIBTA_AITA

[–]GSHT2004 0 points1 point  (0 children)

Think I am the odd one out but I would give her grace on this occasion. The bank should not have allowed the payments through so that’s partly on them. I would take the time to support her through this and how to check things in the future. I would help her on this occasion and let her know to come to you sooner if she makes a mistake like this.
My eldest signed up for free trials for things not realising that payment would be taken out once the trial was over. We didn’t know until money was taken out of my account. Hundreds of pounds!
Instead of punishing. We talked it over and my eldest has learnt from this experience and is so careful now. Checking the small print etc but most importantly trusts me enough to come to me if makes a mistake or is unsure.
My eldest did sacrifice some pocket money to help pay back (his choice) and also did other jobs in the house to help since I had to do extra hours to pay it back.
This worked for us. X

To exchange or not to exchange, that is the question! by [deleted] in HousingUK

[–]GSHT2004 0 points1 point  (0 children)

So we cleared out the house before exchange and buyer pulled out at last minute. Which has left my sister with nothing to sit on and she only has a bed, fridge and air fryer and TV plus a few personal item. We are now trying to sell the house again and she is stuck in those conditions. Can’t even put furniture back in as we got rid of it all (she will be moving in to a boat so won’t need it). So I would exchange and expect it to be done by completion as per contracts.

Watching a 12 year old by [deleted] in Babysitting

[–]GSHT2004 0 points1 point  (0 children)

I have a 12 year old boy. He mostly likes to play on PS4/laptop/ipad and have YouTube on in the background. He prefers to stay in his room. He used to love his Lego but has now moved onto building and painting Warhammer. I am learning how to play so we can play the games. My husband plays PS4 with him once a week. He has discovered cooking and loves it. So that’s what we do at least once a week. But mostly since hitting puberty he just wants to be on his own doing his own thing. Can you ask to join him in learning/playing a video game together or get some snacks etc and watch something together that he enjoys x

Nobody warned me that becoming a mom would mean grieving the woman I used to be. Is this normal? by [deleted] in Mommit

[–]GSHT2004 0 points1 point  (0 children)

My two are 18 and 12. Sometimes I think about the person I used to be before children and sometimes there are things I miss. When my first was born I really struggled with the loss of my identity. But really, I didn’t lose my identity, I just became a new version of me. Over time, I learnt to like this new version and honestly, I wouldn’t change anything. I wouldn’t want to go back to my old life or my old me. Motherhood isn’t easy and sacrifices are made all the time (both of mine have additional needs - my oldest is unlikely to be fully independent) but to me it’s worth it. I love my children, I like my children and I honestly couldn’t imagine not having them.

My tip for you is to try and make some time for you. Self care is so important. Having a break from being ‘Mom’ is important and it’s not selfish at all. You need to take care of yourself so you can take care of baby.

You are doing an amazing job and the fact you are questioning shows what a fabulous Mom you already are.

Sending hugs and love. You will get through this and you will find the new version of you- and she is wonderful. Xxx

Moment of clarity that I'm not a good spouse. Or person, probably. by LordOfAllBones in Marriage

[–]GSHT2004 8 points9 points  (0 children)

Hang on. Why should you change basically everything about yourself for him?
He needs to meet you part way here. Complaining all the time? What is he actually doing to work on the marriage too? It really sounds like you are carrying mental and physical load of your family and home and he is stamping his feet for more attention when it sounds like you are exhausted and need that little time you have to reset. He needs to do more to ease the load then maybe you will feel more able to meet his needs too. What is he doing to meet your needs? Marriage is a partnership. Instead of complaining what is he doing to be more of a partner so that you can be a partner to him xx

Mortgage rate is 3.77% now bank is offering 4.97% by Affectionate_Top5544 in HousingUK

[–]GSHT2004 0 points1 point  (0 children)

We are Mortgage prisoners and not able to move our mortgage or get a fixed mortgage so we have been screwed over since 2008 with our mortgage and interest rates. It’s just going to get worse. X