@jayceedee
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Best of luck, Lee. The fact that you’ve got to this point is good to know. Something like that is never easy.
You’re doing the right thing, day by day, bit by bit and not pressuring yourself until you’re ready.
Take care – and as Steve said, if you need a chat, I’m around most of the time as well.
John
Trying to keep a calm face on things at the moment. I’m trading in my 08 B class for a 66 B Class. I’ve chosen the one I want, they’re fixing a small fault on the sunroof blind. Parts ordered, but coming from Germany. Should be here by the end of the week, fitted over the weekend and paintwork StarGard treated early next week. I had it done on the 08 6 years ago, when I bought it and it has stayed clean and shiny over that period. Bird crap just washes off easily too. I should collect it middle of next week all things being equal.??
I’ve always liked having all the toys and this one is fully specced. I’ve been looking since before Christmas and they are all appearing now following the trade-ins for the 19 plates. Swapping my Polar Silver Metallic for a Mountain Grey Metallic.
Also need a new tyre soon, will check with the place I’ve been taking various family members cars for years, which is literally 5 minutes away, tomorrow.
If your shop hasn’t got the tyre, look at Kwikfit online. I always look and book online first – a lot cheaper than their shop price and the same tyre is put on by the same mechanics!!
This new ComRes poll totally baffles me. I continually wonder how Labour can be ahead in the polls when May is stomping Corbyn at the PM level in the same poll. What seems highly likely though is that a change of Labour Leader could result in Labour totally trouncing the Tories at the next GE. The polls commentary re opinions on Brexit is interesting but it is clear that there was/would have been a majority in the electorate in going WTO frrom the moment we triggered Art50.
How many people that you know support a football team and hate the manager?? It’s basically the same thing. You’re comparing leader to leader and getting a different view from party to party.
BTW, I totally agree with you re the Labour leadership and it’s election possibilities, but a new one would have to distance themselves from Momentum or it’s the same sh1t, different day all over again.
@JCD, I’m sorry if I missed your point. Perhaps that I did was understandable given that you has had included and inset the following in your post: ‘Total Quality Management, TQM, is a method by which management and employees can become involved in the continuous improvement of the production of goods and services. It is a combination of quality and management tools aimed at increasing business and reducing losses due to wasteful practices.’ TQM principles applied to the governance of the country would require the constant involvement of the electorate in order to improve outcomes; not merely every five years at GE’s. In my experience it is vital to involve workforces, as far as is possible, at all stages and often. Carry a workforce with you and without exception outcomes improve significantly. I very much like the Swiss approach. It would only fail here if, as has too often has been the case in the past, the UK electorate simply couldn’t be bothered to take an interest in politics.
It was meant as a method of kicking all the politicians up the backside and get them, by enforcing principles of good practice ( as per TQM, but not necessarily verbatim, ), to do a better job for the electorate than the bunch of bickering, prevaricating, back-stabbing ( each other and the country ) twonks that we have at the moment. ( Can’t find a ‘tear hair out’ emoji!!! )
@VFM – you miss my point – I’m not after “constant involvement”, I want to elect them, whether they’re the party I voted for or not, then let them get on with it, but under the “Quality Process” guidelines that were put onto businesses to get them working efficiently and in a sensible manner to provide positive outcomes.
I deliberately phrased that paragraph in TQM Talk.The Speakers comments actually reinforce that aspect.
Dave – I loved that little musical interlude!! Made me ( and the wife ) chuckle.
??
Maybe it’s time for the concept of TOTAL QUALITY MANAGEMENT (TQM) to be introduced onto the Government by the Public it is supposed to be serving!!
Total Quality Management, TQM, is a method by which management and employees can become involved in the continuous improvement of the production of goods and services. It is a combination of quality and management tools aimed at increasing business and reducing losses due to wasteful practices.
That would be a novel concept for some and a rocket up the ar$es for quite a few others!!
Looking at the news just now, I was concerned whether Steve had managed to keep his feet dry!! Luckily iirc he’s halfway up a mountain so should have a good view of the big puddles!!
BoJo is again surging very dramatically as Tory voters’ choice and even more so as the grassroots membership’s favorite for Leader.
I said that as soon as I saw his smooth un-ruffled new haircut in the Commons for one of the votes this past week!!
Book a family holiday to Los Vegas. say she lost the lot on the tables. Or tell her to sail round the world and have one last blow out, while being waited on hand and foot. She earnt it, she paid in the pot all her life, spend it.
That’s likely to fall under the deliberate deprivation scenario, and you can see what they think of that!!
Probably cheaper to book a trip to Switzerland and let inheritance tax take their cut – likely cheaper than the cost of care homes, and if I ever need one, it’s likely time to pull the plug. Like the Missus says ” I’ll live until I die, but if someone needs to wipe my ar$e, that’s not living!!”
Gifting assets: what are the rules?
We explain the rules and legal implications of gifting assets, and transferring property, including the deliberate deprivation of assets.
Repercussions of gifting assets
The cost of care – residential care homes and nursing homes in particular – can be very high, so it’s understandable that some people might be tempted to ‘offload’ assets so that they’re excluded from the financial assessment.You might think that ways to reduce assets could include:
· gifting money or expensive items, such as a piece of jewellery that has recently been purchased, to family members or close friends
· putting money into a trust or tying it up in some other way
· spending out on extravagant holidays
· gifting property by transferring it into someone else’s name
· selling an asset, such as a property, to someone for less than its true worth.
But be warned – there are serious implications to ‘gifting assets’ in these ways, for both the person giving away the assets and the person receiving them. Here, we explain the rules for gifting assets, the consequences of doing this incorrectly and the legal implications of transferring property.
Gifting assets and a financial assessment
If your capital (savings and assets) is worth more than the following thresholds, you won’t be eligible for local authority funding and will have to pay for your own care.
· £23,250 in England and Northern Ireland
· £26,250 in Scotland
· £24,000 for home care and £40,000 for a care home in Wales
This will also be the case if you have a weekly income that’s high enough to cover your care fees.
For many people, their home is likely to be their most valuable asset. So it’s not unheard of for people to consider ‘gifting’ their property or other assets when facing the residential care financial assessment.
There are, however, strict rules that local authorities will pay close attention to when carrying out a financial assessment, so you may find it useful to get extra advice about this.
Deliberate deprivation of assets
Deliberate deprivation of assets is when the local authority deems that a person has deliberately disposed of assets to increase eligibility for local authority funding.
When a local authority carries out a financial assessment for residential care it will ask about previously-owned assets, not just those that are owned currently. Remember that with a property, it’s quite easy for the authorities to check the ownership ‘trail’.
This might include giving away (gifting) assets, as well as other courses of action, such as selling an asset for less than its true value. For example, there have been cases of people ‘selling’ houses to a relative for a nominal fee such as £10, just so that they can transfer the legal ownership. If avoiding care costs is considered to be a significant factor in the reasoning behind the disposal, then it may be considered a deprivation of assets.
When might disposal of assets be defined as ‘deliberate’?
When deciding if deprivation was ‘deliberate’ the local authority might look at the following aspects.
· Motive/intention: when disposing of assets, was the main reason to avoid care charges?
· Timing: there is no set time limit, although local authorities are unlikely to investigate too far back. Most importantly, they will look at the time between the person realising that they needed care and the disposing of assets.
· Amount: was the gift a significant amount that would make a difference to your capital limit? The asset would have to be worth a significant amount for the local authority to pursue this action. Giving away a £300,000 property, for example, would significantly affect your total capital whereas smaller ‘gifts’ – such as giving a £300 ring to a granddaughter – are unlikely to prompt further investigation.
It all boils down to intention. When you made the gift, could you have reasonably known that you might need care? For example, if you fell ill, were assessed as needing residential care, then signed your property over to a relative the following week, that would look suspiciously like ‘deliberate deprivation’.
Non-deliberate deprivation of assets
Of course, not all disposals of assets are necessarily deliberate deprivation – it might have nothing to do with care, especially if there was no consideration of paying for the cost of care at that time.
· You might want to give tax-free sums of money to children or grandchildren, so that you can enjoy seeing them spend it and to avoid Inheritance Tax.
· You might also want to help family members who are struggling financially or splash out on a well-deserved ‘holiday of a lifetime’.
· If you went on an extravagant cruise while you were still in good health and had no idea that you would need care, this might simply be regarded a post-retirement treat.
Notional capital
Giving away capital can therefore have serious consequences. If a person is found to have ‘deliberately deprived’ themselves of assets, the value of these assets can still be taken into account in the financial assessment, even though they no longer own them.
The value of the assets that they used to have is called ‘notional capital’. The value of a person’s notional capital can be added to their remaining assets to form their total financial assets for the financial assessment. So, in the example of transferring ownership of your home, not only could you end up having to pay for your care, you might no longer have a house to fund those costs.
Powers of recovery
If the local authority funds someone’s residential care costs and later rules that a person has ‘deliberately deprived’ themselves of assets, they have the power to claim care costs from the person that the assets were transferred to.
Legally, local authorities have the power to recover costs by instituting County Court proceedings. However, a local authority should only do this after it has tried other reasonable alternatives to recover the debt.
Your right to appeal
The council’s decision must be reasonable and there is a right of appeal if you feel that an unfair decision has been made. If you want to make a complaint or appeal a decision, you should contact your local authority.
Seek legal advice
If you’re considering gifting any assets, particularly transfer of a property, you’ll need to seek legal advice to make sure it’s done properly. The Law Society has produced detailed guidelines for solicitors on gifts of property and their implications for long-term care. Make sure that any solicitor you speak to is aware of these guidelines.I remembered this topic when I just got a report from Which called Gifting Assets – what are the rules.
It’s in pdf format, but I’m not sure how to attach it to this post. I’ll post this and try to add it on an edit. If not I’ll copy and paste it to another post.
I tried, but will post afresh.?
Tight git he is.
Does he come from Cardigan?? I had an ex-brother in law, sang in the London Welsh Male Voice Choir and played with the Rugby team once in a while. When he married my sister, they gave him a card with a pound note – yes, one of those – sticking out of the chap’s pocket on the front of the card. He gave it a pull and it whipped out of his hand and back into the pocket. It was attached by a piece of elastic!! Says it all.
My Dad came from a building family, even though he worked on the Post. He knocked through their cottage wall, put in an RSJ and re-plastered it for them over a couple of weekends.
Mum knew the BiL had just got an LP and asked him to record it onto a cassette for her. He did that for free, but charged her 50p for the cassette!!!
The marriage didn’t last very long……………….
Another one just came through:-
Hello Dear
i saw your profile and became interested in you, my name is Marian i am working with united nation, i will like to have a friend like you,
i have something to share with you, please email me through (MarianGeorge45@hotmail.com) for more information about me, i will check my mail to know if you have contacted me because i am working at the momentSame sh1t, different email address!!
March 14, 2019 at 8:37 pm in reply to: Read First if flying on a Boeing 737 Max–or maybe not! #31668Green River, Who’ll Stop the Rain and Up Around the bend spring to mind – and yes, I’ve been a long term fan too.
Their sound is a sort of Blues/Country (Bluegrass style )/Rock mix – gets me every time!!
March 14, 2019 at 5:43 pm in reply to: Read First if flying on a Boeing 737 Max–or maybe not! #31659I was driving up to Waltham Cross and back today, round the M25 and I did a double take when a Creedence Clearwater Revival song came on. I’ll copy the first verses of Travelin’ Band and you’ll see why I thought of this topic!!
Seven-Thirty-Seven comin’ out of the sky.
Oh, won’t you take me down to Memphis
On a midnight ride?
I wanna move.
Playin’ in a travelin’ band, yeah!
Well, I’m flyin’ ‘cross the land,
Tryin’ to get a hand,
Playin’ in a travelin’ band.Hi all Pictures of the “thing” sorry about the quality my phone wouldn’t focus for anything its a honor 9 and I seem to have this problem a lot with it one for another thread though. At least you can make out the plug in question. Cheers Mark
From Tippon’s post on the other “camera” topic
The camera on the Honor 9 gives blurred photos regularly. The app is awful. The minimum shutter speed that’s recommended for a camera held by hand is 1/25th of a second, and that’s assuming that you’ve got steady hands and the other settings won’t let you go higher. Anything slower than that and you’re pretty much guaranteed to get some blur. The Honor 9’s app generally sets the shutter speed to 1/17th of a second, even if the other settings give you plenty of wiggle room (e.g. it does that at ISO 100 and 200). Manually setting the shutter speed cures it instantly, and the other settings auto adjust to compensate, but then you can’t use the other features like burst mode. It’s very annoying.
That’s brilliant news, Bob. Keep up the good work, just be careful SWMBO hasn’t been saving a few special tasks up for when you were “better”!! ??
Perhaps that was it? A pig flew over the City?Piers Morgan on the Red Bull again, is he???!!
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