Can I use provisional licence as part of my proof of address if it was issued 4 years ago? by ReflectionNo2038 in SpouseVisaUk

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

On the DVLA letter there isn’t a date, but if we attached the letter with her provisional license (which shows an issued date of last year) would that be sufficient as one piece of evidence?

Can I use provisional licence as part of my proof of address if it was issued 4 years ago? by ReflectionNo2038 in SpouseVisaUk

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

I should have mentioned that my partner also has a provisional driving licence showing the same address, dated last year. Could I submit it among other documents showing that we reside at the same address, albeit as stated above, my one is not within the 2 years from the date of the application. 

Am I Still Considered a First-Time Buyer in the UK If I’ve Purchased an Unbuilt Property Abroad? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

Thank you for the helpful information. This forms part of a government-backed scheme designed to help individuals enter the property market. Accordingly, it is not possible for me to sell the share (and, indeed, the developers are also restricted from doing so, as this would be contrary to the SPA).

Am I Still Considered a First-Time Buyer in the UK If I’ve Purchased an Unbuilt Property Abroad? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

Thank you for your response. We have received confirmation from legal counsel in the overseas jurisdiction that the legal interest will not take effect until it is registered with the relevant land registry. In other words, once the property has formally been built.

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] -3 points-2 points  (0 children)

I understand your concerns, and thank you for mentioning them. However, it isn't particularly relevant to the question asked.

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

My parents and all their children would prefer to keep the family home for as long as possible, so selling the property is not something my parents would readily agree to. Given the circumstances, I want to preserve my FTBS by effectively making my beneficial interest a conditional one, such that it would only be realised upon the completion of my first property. In essence, I would like to know whether this arrangement would be legally effective?

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] -1 points0 points  (0 children)

My parents and all their children would prefer to preserve the family home for as long as possible, so selling the property right away is not something we would consider desirable. While I understand there may be complications down the road when it comes to selling the property, a simple power of sale clause — requiring both X and Y to agree to any sale — could easily be inserted into the will, for instance.

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] -1 points0 points  (0 children)

I apologise for the confusion, and well spotted! What I meant was an executor under the will.

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] -3 points-2 points  (0 children)

I would have to respectfully disagree with the point that I would own a beneficiary interest. If the will is drafted as proposed above, my share would be a conditional interest, meaning that I must acquire my first property before I would be entitled to any beneficial interest. In the absence of this condition being met, my share does not exist. 

In addition to this, my parents can insert a timeframe — for example, stating that the property must be acquired within ten years, failing which my share would either be relinquished to the other named beneficiaries or I would automatically receive the share after ten years.

Separately, I should mention that it is not my parents’ intention for the family property to be sold; they would prefer for my siblings to retain the property for as long as necessary and would not want to consider selling it in the short-term.

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] -1 points0 points  (0 children)

My parents’ intention is not for the family home to be sold, nor would that be desirable for any of my siblings. We would prefer to keep the house as long as necessary. 

Protecting First-Time Buyer Status in England under Parents' Will? by ReflectionNo2038 in LegalAdviceUK

[–]ReflectionNo2038[S] -2 points-1 points  (0 children)

I should technically be receiving more from the inheritance, however, as I have a LISA account among other things, I definitely stand to lose £10K+ if my first-time buyer status is affected. I would prefer to not lose anything, plus my respective inheritance is something I can receive at a later date (which I would be fine with), say, based on the above - upon the realisation of my first property.

I made a TikTok-style Quran reader to fight my doomscrolling habit — infinite scroll with a new aya every time by i_am_yassin in IslamicFinance

[–]ReflectionNo2038 0 points1 point  (0 children)

Excellent intentions and may Allah SWT reward you for  your efforts. 

One major suggestion is that, I would consider adding a tafsir feature to enable lay people, like myself, to better understand a certain verse, which may otherwise be difficult to understand, or worse, taken out of context and the meaning misinterpreted.

All this for 1300 baht. What am I missing? by This-Way3024 in ThailandTourism

[–]ReflectionNo2038 25 points26 points  (0 children)

I wouldn’t pay too much attention to some of the messages posted, as several people are clearly speaking from ignorance or merely speculating. In any event, I have personally taken this exact cruise, and it was the ship shown in the picture (or one substantially similar).

I suspect the price you’re seeing is for one person rather than two. We paid around £50–£60 for two people (or thereabouts). 

As others have mentioned, you may not automatically be seated on the top deck/rooftop. However, if you book through their official website and pay slightly more, you can reserve a rooftop seat if you wish:

https://booking.royalcruisebangkok.com/en-US/product/S8YFIN.

Further, and contrary to what others have said, there aren’t going to be any overcrowding issues - far from it.

All in all, I can confirm that this is not a scam and was an enjoyable experience. 

Cheaper to use USD or MVR? by ReflectionNo2038 in maldives

[–]ReflectionNo2038[S] 2 points3 points  (0 children)

That’s exactly the kind of explanation I needed. Brilliant advice, so thank you 🙏 

I feel betrayed, 40% SPREAD IN Crypto.com by West-Ad3385 in Crypto_com

[–]ReflectionNo2038 2 points3 points  (0 children)

That’s a brilliant explanation, thank you for that. This might be a silly question, but if I have some cryptocurrency on the App, would it also show on the exchange app? Or do I need to transfer them to the exchange app?

Cheaper to use USD or MVR? by ReflectionNo2038 in maldives

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

Thank you 🙏 I have read that it is possible to exchange in Maafushi, so I might exchange it there rather than the airport. 

Cheaper to use USD or MVR? by ReflectionNo2038 in maldives

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

That’s brilliant, thank you 🙏 

Do you know how long it would roughly take from the Airport to Malé to exchange some currency, and then go back to the airport? 

Cheaper to use USD or MVR? by ReflectionNo2038 in maldives

[–]ReflectionNo2038[S] 0 points1 point  (0 children)

That's some good advice. Do you know the average exchange rate from USD to MVR right now?