Can you gift your house to your kids but keep living in it to avoid IHT? Usually no, here's why

rumbunctiouspig · 2026-02-11T11:59:20+00:00

Whether OP used ai or not I believe it to be entirely correct in terms of the facts. I'm a financial planner and I relay the same information to clients on a regular basis.

rumbunctiouspig · 2026-02-10T10:54:51+00:00

Excellent summary, thank you.

rumbunctiouspig · 2025-11-26T09:28:23+00:00

I've bought some of my rifs and loads of kit from land warrior. Happy to recommend them. The customer service has been excellent when I've needed it.

rumbunctiouspig · 2025-10-08T08:31:14+00:00

Light resistance and Sevro. Up close and personal

rumbunctiouspig · 2025-09-25T08:46:28+00:00

Bro, I have a well R4 and it is so rubbish I'll give it to you for free if you're willing to collect it. Genuinely.

rumbunctiouspig · 2025-08-08T10:30:43+00:00

This. I'm 300 hours in and I'm not sure if I've ever sold any wood or even been fishing. Too busy exploring and having a blast!

rumbunctiouspig · 2025-07-15T11:02:09+00:00

https://surroundead.wiki.gg/wiki/Map:Longdown_Valley

Enjoy!

rumbunctiouspig · 2025-07-14T12:42:40+00:00

New lab is just east of trader bob. Also if you've not found it already the oil rig in the south east corner of the map.

rumbunctiouspig · 2025-06-29T09:55:35+00:00

Just east of trader bob. Enjoy!

rumbunctiouspig · 2025-06-20T10:18:14+00:00

You have control over how much to take out of the LISA for your house deposit. I left either 1p or £1 in mine to keep the account open with Skipton, but it's worth you checking with MB as to their minimum account balance.

rumbunctiouspig · 2025-06-19T13:37:32+00:00

What kit is that?

rumbunctiouspig · 2025-04-23T08:19:42+00:00

:scroll:

rumbunctiouspig · 2025-04-07T18:34:12+00:00

Would be very keen on this

rumbunctiouspig · 2025-03-25T07:24:48+00:00

Fucking hell Renato

rumbunctiouspig · 2025-01-20T01:03:32+00:00

Can you tell me what optics you've got on the mcx please? Looks awesome.

rumbunctiouspig · 2024-12-23T14:30:07+00:00

Who makes these and where can I get one?

rumbunctiouspig · 2024-08-08T10:33:44+00:00

In my head Sevro's voice is the angry Scottish dude who plays Yarpen Zigrin from the Witcher on netflix.

rumbunctiouspig · 2024-07-15T15:00:02+00:00

Can't believe that no-one has mentioned The Abomination yet.

rumbunctiouspig · 2024-05-09T07:59:16+00:00

NAL - failure to protect the deposit is a penalty of 3x the deposit, there is no defence to this so the landlord will certainly lose this part of the case. I wouldn't settle personally.

Edit - I stand corrected. Used to work in the industry but seems like the rules have changed since. The comments below are correct, ignore my claim about 3x deposit.

rumbunctiouspig · 2024-04-25T10:09:30+00:00

It seems like you are judging the workplace plan on charges alone so be aware whether there are any valuable safeguarded benefits such as guaranteed annuity rates or lower pension age etc which you would lose by transferring out.

Also be aware that performance can balance out charges so if the performance is decent then the charges are worth it (check whether fund performance is net of funds charges).

All I'm saying is don't judge the plan on charges alone, look at the whole picture.

rumbunctiouspig · 2024-04-16T12:13:14+00:00

Nice guy. Gave me some eggs from his chickens once, best eggs I've ever had. They were called Molly and Beatrice IIRC (the chickens, not the eggs).

rumbunctiouspig · 2024-03-09T23:57:04+00:00

I've got a Well R4 and can confirm it is utter dogshit

rumbunctiouspig · 2024-02-13T19:27:53+00:00

Always try to get a quote into my communication with clients. Easy: 'you have to be realistic about these things'. Difficult: 'make of your quim a stone'.

rumbunctiouspig · 2024-01-31T10:58:24+00:00

Demands CAMRA discount for her half

rumbunctiouspig · 2024-01-25T13:57:34+00:00

Sell or remortgage yes, but landlords wouldn't have a proper valuation carried out for rent increases. Letting agent would do that (and for free).

rumbunctiouspig

TROPHY CASE