many thanks everyone for your response. i will follow the advice given and update later.most appreciated.thanks.

thanks for the reply,Karen.the issue is she has not been bringing her child for the past 6 weeks as school has been on vacation and rightly so. This womans argument seems to be that as the kids are on holidays,she is entitled to at least the 6 weeks money she has been receiving from the tax office(even though her receipt of this money is based on ...

hi, my wife has recently started working as a registered child minder.she gave her child minding id to a lady who requested for her services.this is the id that mums present to the tax office so that the government pays %80 percent of their child minding cost. unfortunately the tax office pays this money straight to the mother and not the child ...

many thanks. most appreciated.

thanks conmankiller. i suppose that is what i was hoping to hear ie if both of us(wife and i) should die without making a will, then the property will go to our two children without them paying taxes. we already have life insurance to cover the mortgage so the rest of the mortgage should be paid off. thanks and we will have to look into making a ...

thanks huckster. we have life insurance to cover the mortgage should the worst happen. i guess the best thing is to speak to a solicitor and get a will arranged.

hi everyone, need some advice. forgive me if i should have posted this somewhere else but was not sure where else to post this. anyway my wife and i are joint tenants. we have two children aged 10 and 8 but we do not have a will yet.i am aware that as joint tenants, the property goes to the surviving spouse if one of us should die. what i am not ...

sounds good and thanks for the advice,jalexa. i am currently looking at a savings rate of 5%aer with the halifax. sounds good although it has restrictions ie minimun payments or interest reduces to 0.1% http://www.halifax.co.uk/savings/regularsaver.asp i should be able to keep up the regular payments.will set up DD so i dont forget. and its safe ...

thanks sparky76. that makes sense ie bonds and savings. i will look into what bonds are available with good rates. any ideas will be most welcome ie good bonds on the markets.most appreciated.

thanks huckster, that puts my mind at rest. i have not discussed investing the money with an ifa. i am just a bit worried about investing in the present economic conditions. i keep saying to myself that the money is safe in the mortgage. at least i know my mortgage will be payed off early and then i can do what i want with any extra money i will ...