Guest 1footinthegrave Posted February 21, 2013 Share Posted February 21, 2013 Mel B - 2013-02-20 11:08 PM 1footinthegrave - 2013-02-20 10:36 PM I guess the difference is if I had been a paper shuffler for some organization and managed to get out of it at around 50 with a tidy sum paid for by me in part ( and I guess "hubby" whatever his name is, that remains a mystery of course,at the same age ) I wouldn't be crowing about it all and my latest mobile phone purchase on here. So call it what you will I jealousy, envy, whatever, I simply see it as someone screwing the system to their advantage exactly as she alluded to trying to do with her elderly mothers council flat to add to her good fortune. I'm sure the feeling is mutual, but she succeeds in getting my back up with every word she types. >:-) and I'm sure I'm not alone in that either. :-| Some of us had to work hard for a living you know, but I doubt she knows the meaning of the word. Oh dear, you'll just have to put up with it then won't you and get that big chip knocked off your shoulder as I'm not going anywhere! :-) I'm not trying to screw the system at all, and neither is my Mum so you can stick that comment where the sun don't shine which appears to be where your head - and therefore your mouth - is anyway! :D As for you having a lot off about me posting about my mobile phone deal ... that's just pathetic. Are you going to have a go about Knight's mobility scooter purchase too (I'm pleased for him by the way), or anyone else who posts similar things? I bet you won't ... I can't decide whether it's because I'm female, or I was an office worker (being a PA is HARD work by the way - not that you'd understand I'm sure). I haven't taken benefits from the state like most people have - child allowance etc for starters, and I've paid for schools and such stuff which again I haven't used (no kids). Did you enjoy your job? If so, you're lucky as a lot of people don't and so do jobs simply because they need to, rather than want to. Anyway, MV you are just a nasty and resentful piece of work ... you are quite welcome to stick to your extremely biased views as all it is doing is letting everyone on here see the REAL you ... if that's your intention keep it up as it's working. :-> You could always try another complaint to the mods to get me banned, eh. last one didn't cut it. By the way, hows "hubby" ;-) Link to comment Share on other sites More sharing options...
Dave225 Posted February 21, 2013 Share Posted February 21, 2013 Mel B - 2013-02-20 9:21 PM Hi Dave 225 We intend to max our cash ISAs for the next few years so long, as you say, they make sense to avoid any tax liabilities on income in the future. I've been doing a tax return for a good few years now (since 2006) including shares, dividends, savings rental income etc, if it gets too complicated then I'll get an accountant involved, but at the moment it's not difficult to do so I'll keep doing it myself. If they do decide to investigate us I'm ready for them ... I used to be a PA so having everything organised is second nature to me! The hardest part of all of this was having to use the savings for the first time to 'live' on ... having saved for so long, it wasn't easy to spend it just on day-to-day living expenses!!!!! :D We still might do some property developing in the future mainly to keep us from getting bored (and I can then play with my power tools :D!) as well as bringing in a bit of dosh which would be a bonus. :-D Well done, but ensure you keep all bank statements for at least 5 years as if you are checked, these will be demanded. When a bank will charge up to £10 a shot it can get expensive. Again, I speak from experience and the tax official was most upset when i produced them all. Also if you pay any largish sums into your account keep the source as proof of where it came from as they will immediately accuse you of money laundering, and I am talking about sums of a few thousand, not millions. I had to prove that a payment of £2500 in 2005 actually was an endowment policy, if not, I was accused of getting it fraudulently. This was 5 years later but fortunately I had kept the stub from the cheque as the bank statement showed nothing. The other thing is to check what rate you are actually getting from an ISA, if it is less than inflation then Clive and others will advise you to maybe look at other things. Because you are not working the HMRC will always assume you are somehow illegal and you have to prove you are not. That is the way things work in this 'democratic' country nowadays. Link to comment Share on other sites More sharing options...
Mel B Posted February 22, 2013 Share Posted February 22, 2013 Dave - thanks for the info, I have kept documents etc going back much further than 5 years covering endowments, income etc so although it would be a pain in the bum, I could actually provide what Tax officials would need. I note your comment ref ISAs and will see what rates are when the new tax year comes around. Link to comment Share on other sites More sharing options...
Mel B Posted February 22, 2013 Share Posted February 22, 2013 1footinthegrave - 2013-02-21 6:03 PM You could always try another complaint to the mods to get me banned, eh. last one didn't cut it. By the way, hows "hubby" ;-) Why would I want to get you banned? Every forum needs a Mr Nasty doesn't it? At least we have no illusions as to who it is on here. :-D Hubby's fine, not sure why you want to know, but thanks for asking anyway. :-S Link to comment Share on other sites More sharing options...
Guest 1footinthegrave Posted February 22, 2013 Share Posted February 22, 2013 Mel B - 2013-02-22 12:39 PM 1footinthegrave - 2013-02-21 6:03 PM You could always try another complaint to the mods to get me banned, eh. last one didn't cut it. By the way, hows "hubby" ;-) Why would I want to get you banned? Every forum needs a Mr Nasty doesn't it? At least we have no illusions as to who it is on here. :-D Hubby's fine, not sure why you want to know, but thanks for asking anyway. :-S I was just curious if he had a name. Yes I'm Mr Nasty, but despite my irritation of your original plan to gain an investment out of your mothers good fortune and to buy her council flat as a future investment for yourself there was a serious point that you may or may not have known about that I alerted you too, deprivation of income. That may just have saved you and your elderly mother a whole load of hassle if you were not aware of benefit rules. So perhaps I'm not all bad eh. ;-) Perhaps best to leave it at that. Link to comment Share on other sites More sharing options...
Mel B Posted February 22, 2013 Share Posted February 22, 2013 Hubby's name is Chris, he doesn't bother coming on the forum and he's tooooooo busy buying and selling stuff! :D Oh, and yes you did mention deprivation of assets but I had already looked into that and a whole lot more too, so was already well aware ... once she's bought HER council flat for HER to live in (and do what she wants with in the future) she won't be getting any benefits so no problem of deprivation of assets at all or claiming anything in an underhand fashion ... can't risk someone reporting her for fraudulently gaining benefits can we seeing as she's not an MP so wouldn't get away with it. :-S Link to comment Share on other sites More sharing options...
Guest 1footinthegrave Posted February 22, 2013 Share Posted February 22, 2013 Mel B - 2013-02-22 3:21 PM Hubby's name is Chris, he doesn't bother coming on the forum and he's tooooooo busy buying and selling stuff! :D Oh, and yes you did mention deprivation of assets but I had already looked into that and a whole lot more too, so was already well aware ... once she's bought HER council flat for HER to live in (and do what she wants with in the future) she won't be getting any benefits so no problem of deprivation of assets at all or claiming anything in an underhand fashion ... can't risk someone reporting her for fraudulently gaining benefits can we seeing as she's not an MP so wouldn't get away with it. :-S There is absolutely no need for anyone to report her, the DWP carry out a data sweeps I believe it's called which can show up any undeclared income or assets they can gain access to everything , many have been caught out by this and it sometimes can be very unfair, like the lady who had "saved" her benefits taking her well over the threshold, she got done just the same. I'm not sure any MPs fraudulently claim benefits, expenses well that is a different matter of course, oh well. Link to comment Share on other sites More sharing options...
Mel B Posted February 22, 2013 Share Posted February 22, 2013 Actually Mum has been on 'continual assessment' for a while so the DWP would pick it up anyway, but I've been on to them in anticipation of her getting the money and they've said so long as she tells them soon after she gets it, that's fine, so that's what she'll be doing. :-D Still be a lot easier if the flaming money didn't exist in the first place. 8-) Link to comment Share on other sites More sharing options...
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