Tam n pups winter trip 2022

[corconx]

Best of luck. I recall questions like maiden name when registering a friends death! Oops I had known but not remembered. So had to get her husband to come 95 miles to do it, (he hadn’t wanted to do it, or be there when they switched off life support). I never did understand him, but it’s never ever straightforward.
I bought 8 certificates when acting as Executor for my Father I’m Law as you had to have one to close bank accounts, to inform his pension and his company pension. God knows what else, but you did need a lot. Many come back to you but never very quickly, so they sit on a file, but I have for him, really for our children and an albumn of the photographs are medals of his life.

carol

 

[TinaLes]

Yes I needed to pay for 6 extra Death Certs for my mum, every bank, every insurance company wanted an original, they did eventually send them back but much later.
Good Luck Tam, dealing with a death of a parent is not easy, but the admin required is just another level, plus my late mums solicitor was not cheap, they work on a percentage of the overall estate value.
How they justify £300 +Vat an hour is beyond belief, thats what I have been quoted to get one to do some work for me.
LES

 

[gus-lopez]

the cab heating doesn't work ,

I modded my chinese diesel heater ,which is behind the passenger seat , using a "T" piece so that I could get the warm air blowing in to the cab when I had problems with my heater fan? That would probably be the best way going forward as usually access to the heater fans can be a nightmare.

The headstone has also kept very well compared to others. It's hard to believe it's been 23 years .

The reason for that is it appears to be a good quality marble.It is stunning actually & I can't believe the gold lettering is original? That usually deteriorates.
You will have plenty of time for the headstone to be engraved as they told my brother that the ground has to settle after a burial & it would be a minimum of 9 months before they could crane in the headstone.

 

[Northernraider]

I modded my chinese diesel heater ,which is behind the passenger seat , using a "T" piece so that I could get the warm air blowing in to the cab when I had problems with my heater fan? That would probably be the best way going forward as usually access to the heater fans can be a nightmare.

My heater fan works if you put a direct feed to it , just nothing happens from the switch so i suspect the switch is knackered. Ive already replaced the resistor which made no difference. It was a second hand one as new ones are unavailable

 

[Northernraider]

Van is booked in for Thursday 12th to have heater looked at .

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[Edenside]

Pre Covid in England you could go to the Labour Exchange/Job Shop whatever it’s called now & they would copy & death certificates, power of attorney etc & certify them free of charge, so you only need 1 official copy. I haven’t used them since Covid so not sure if this is still available. May be useful to ask if the same service is available in Scotland as can save quite a bit of money.

 

[Northernraider]

Just got confirmation from solicitor. The house doesn't have to go to probate or conformation, basically we can sell it as soon as we are ready . Although they have to do the conveyancing etc as the trust basically made them joint signees on the deeds with my mum.

That's good in one way but I did start to think if it had gone to probate and I'd went off for the winter it would have given me time to decide if I wanted to buy it or not . Whereas now I only really have a month or so to decide.

I think it's probably too big for me but my mum would have loved me to keep it. But it would clean me out financially to buy it outright and I don't want a mortgage.

So it's a lot to think about.

We have the funeral home tomorrow to arrange mums funeral etc. Think it will be at least 3 weeks time though for that

 

[Northernraider]

Pre Covid in England you could go to the Labour Exchange/Job Shop whatever it’s called now & they would copy & death certificates, power of attorney etc & certify them free of charge, so you only need 1 official copy. I haven’t used them since Covid so not sure if this is still available. May be useful to ask if the same service is available in Scotland as can save quite a bit of money.

We only need one really , insurance is sorted , solicitors sorted just the bank now to sort really

 

[Just smiffy]

I’m pleased that stuff is being sorted and not being too difficult now for you, the house would be lovely to own but I feel you have a different journey in your life Tam….

 

[corconx]

Please do not make any hasty decisions it’s really too soon

carol

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[Coastal Cruiser.]

When you go to the registrar for the death certificate they should give you details for “tell us once” if you fill that out then they should notify all government,utilities and banks.
I asked for 4 death certificates around £15 and that was enough.

 

[Shrimp]

Having the house would be lovely but it will tie you to one spot more and if you did keep it (money-wise possibly not a good idea) and decide to rent it out you will always have that nigle in the back of your mind about the state it might be in next time you see it!

 

[Grianan]

Whilst buying the house may not be the best option for you, investing in a smaller place may be a good alternative. I think your mum would be happy for you to have a base that you felt was right, rather than her house which you may stretch yourself to buy and maintain.

 

[TUCANO]

After my wife died, it was inevitable and it was a blessing for her as she had MND, I obviously had to go to register her death, I had accepted the inevitability of it many months previous. The registrar signed the appropriate forms and asked whether there was anything else she could help me with at that time.
I said to her, "you know when you are born and you have to pay to have the birth registered, can I have that money back"
God the look on her and my son in laws faces.

 

[Northernraider]

When you go to the registrar for the death certificate they should give you details for “tell us once” if you fill that out then they should notify all government,utilities and banks.
I asked for 4 death certificates around £15 and that was enough.

Aye we've got the information for that as sisters husband had to do it for his dad last year

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[Raul]

Just caught up with the tread, I never met you in person but, please accept our sincere condolences to you and your family. I have lost my mum few years ago to Alzheimer’s and still hearts; mothers love is eternal.

 

[Leith Laddie]

Have you thought about the possibility of buying the house and then renting it out to give you a regular income whilst keeping ownership. Dunfermline is a well sought after area for families. You can then travel as much as you wish with a safety net.

 

[Jo662]

I would also say consider buying your mums house to rent out for a regular income.
Being your family home you must know people in the area to keep an eye on it for you.
It would be a great investment for the future,and your mum would of loved it to stay in the family.

 

[alex n]

Regarding buying your mums house tam have a good think about it.re renting the tenants have all the rights and you have no say.have a good look into first

 

[Shrimp]

We thought about renting our house out when we decided to move out but if you get dodgy tenants and they trash the place you have the agony of seeing your home in that state and having to put it right-could be expensive-to rent it out again, maybe to more people who don't care.
The suggestion that you maybe buy a smaller place is a good idea, it gives you a base and an address for vehicles etc.

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[Riverbankannie]

I’m pleased that stuff is being sorted and not being too difficult now for you, the house would be lovely to own but I feel you have a different journey in your life Tam….

Having the house would be lovely but it will tie you to one spot more and if you did keep it (money-wise possibly not a good idea) and decide to rent it out you will always have that nigle in the back of your mind about the state it might be in next time you see it!

Whilst buying the house may not be the best option for you, investing in a smaller place may be a good alternative. I think your mum would be happy for you to have a base that you felt was right, rather than her house which you may stretch yourself to buy and maintain.

I am glad Just smiffy came in first and said what I was thinking. From how you have talked about the house before, it is Mum’s pride and joy. I think you would be held back by it in your life going forward, reluctant to change things like furniture, cutains colour schemes that would better suit the young, currently single, man that you are. Alternatively rented out, you could be horrified by what tenants can do to it and it will always be on your mind.
If you want to reinvest money in UK housing, then maybe a newbuild somewhere that you can rent out without emotion.

 

[pagey]

I am glad Just smiffy came in first and said what I was thinking. From how you have talked about the house before, it is Mum’s pride and joy. I think you would be held back by it in your life going forward, reluctant to change things like furniture, cutains colour schemes that would better suit the young, currently single, man that you are. Alternatively rented out, you could be horrified by what tenants can do to it and it will always be on your mind.
If you want to reinvest money in UK housing, then maybe a newbuild somewhere that you can rent out without emotion.

I think Annie is making sense here

 

[Just smiffy]

I am glad Just smiffy came in first and said what I was thinking. From how you have talked about the house before, it is Mum’s pride and joy. I think you would be held back by it in your life going forward, reluctant to change things like furniture, cutains colour schemes that would better suit the young, currently single, man that you are. Alternatively rented out, you could be horrified by what tenants can do to it and it will always be on your mind.
If you want to reinvest money in UK housing, then maybe a newbuild somewhere that you can rent out without emotion.

You put it so much better then me…

 

[Podney]

I am glad Just smiffy came in first and said what I was thinking. From how you have talked about the house before, it is Mum’s pride and joy. I think you would be held back by it in your life going forward, reluctant to change things like furniture, cutains colour schemes that would better suit the young, currently single, man that you are. Alternatively rented out, you could be horrified by what tenants can do to it and it will always be on your mind.
If you want to reinvest money in UK housing, then maybe a newbuild somewhere that you can rent out without emotion.

Good advice,methinks.
I sometimes wish I’d kept mums old house,the one I and my elder brothers grew up in. But I’m now glad I didn’t. Too many memories…..time to move on.
Maybe buy a flat where you can just lock up and go at short notice,without having to worry about the garden and maintenance. This will leave you with a balance of funds,some of which you could keep as cash reserves and some you could invest for your retirement.

 

[Northernraider]

Thanks for the thoughts . It's not something I'd rush in to anyway.

I need to give it a lot of thought and wouldn't be making any decisions till after the funeral etc . Neither my brother or sister are in a rush to sell it.

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[appydaze]

Tam, If you can, buy the house then rent it out with the proviso that you can park back there anytime you wish. Good luck whatever you do.

 

[Gina M]

I think your mum would have liked for you to keep the house but I also feel she would not have wanted you with a ball and chain around your neck. Yes, you could rent it out but that brings so many problems. Tenants have more rights than landlords these days, they could wreck the house or just stop paying the rent and it will be nigh impossible for you to get them out. As you say buying the house will take up all of your funds but having money in the bank means you have more choices.

 

[Drum Major]

Agree with Gina M
Renting out property is not all ways an easy solution
Think long and hard before you make any long term plans .

 

[Northernraider]

Been a busy day today , that's the funeral arranged and it will be on 25th

 

[StephandJohn]

I remember that strange time so well before the funeral. Apart from your brother and sister do you have other family and friends to notify? Me and my sisters share it but found it very hard going sometimes.

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