u/Alert-One-Two

Yeah thats probably not an option. If you can't attach it in an image you will need to host it somewhere and link to it or copy/paste the text

Please can you repost when you have more information to share as it is hard to help you when we are missing a lot of key information.

That tends to only be for conditions that then have an impact on other stuff. Asthma is one of the most common that doesn’t get you an exemption.

Have you asked about trials? There may be some options in the UK via that route.

If no hospital in the SE UK can help, I would be worried about who exactly you are going to see in Germany and whether they are offering you false hope. Especially as the UK NHS can pay for some care internationally if there is a very good reason it is not available here.

Some of it is adjusted by using inset days.

On the childcare argument what am I missing? The kids are still in school/off school for the same number of days regardless of how the holidays are configured so why would 2 weeks of half term be more expensive than if that week was in the summer holidays?

(I do appreciate the challenge in many locations that holiday clubs don’t exist for both weeks, but some seem to be arguing this will cost more even in places with holiday club availability and I’m not sure what I’m missing)

We have a section in the wiki specifically dedicated to those who struggle with goal setting. Basically, try to break it up into some for shorter term and some for longer term use and save it in the right format accordingly.

If it’s a remote appointment surely a photo/photocopy is sufficient?

True. I was being generous!

If you don’t tell them and they find out they could pull the offer.

There is an infamous case on housinguk where someone lost £60k as they thought they didn’t need to tell the mortgage provider something but they found out anyway at the worst possible time. The provider then pulled the offer in between exchange and completion and the person then had to pay various fees for all the sales falling through.

Exactly. It’s scary and not surprising that people are radicalising and losing all the nuance in any debate.

If you start a blank insta or YouTube account they often get pretty dark pretty fast if you don’t tailor your algorithm. My instagram is wonderful. Cute animals and nothing else. But I know most people are inches away from a cesspit.

Honestly, propaganda is often so slick that I don’t think it’s fair to call people who believe it stupid.

They just keep nudging people on repeat with little things that feel believable. If someone started commenting that the coffee at work tasted different and then you had several others also doing the same thing you might start to “notice” a difference even if nothing has changed. Or another example is ideas you have had in your head might start to feel more acceptable because you have seen others voice them online. So then you start to think you are in a majority and that gives you confidence to talk about them more.

But money is fungible so having that available means your regular income is more giftable… and the whole point is I’m suggesting gifting regularly with warm hands rather than one-off with cold hands. Also lump sums are tapered and the tax is not the individual’s responsibility but the estates should any be due.

It’s not just at your marginal rate as you also get a tax-free lump sum amount. So even if you pay the same rate of tax in retirement it still works out less tax overall.

It is entirely up to you. But given all your concerns about death coming at any time you may also want to factor in that it sadly could also happen to any kids and therefore they may die before their own retirement age and not be able to access it. Personally I prefer to hope we all live long lives and plan on that basis.

Gifts from regular income are one of the exclusions of inheritance taxes. Anyone trying to minimise potential future inheritance tax bills should of course do their own research before making such gifts but there are ways you can do this without it posing as much of a risk. Also IHT is paid by the estate not the individual.

They have not indicated that they are at risk of having a “massive SIPP”. We are also on ukpf so there are a range of people here many of whom are not at risk of having massive SIPPs.

If your concern is pensions forming part of inheritance then the solution to that is giving regular gifts rather than holding on to all the money until death to minimise this. If you are saving for the kids in your pension then likely you will be doing this anyway by gifting money towards university costs/marriage/house purchases etc

But by using up some of your child’s pension allowances you potentially reduce the amount of tax they can save by contributing to it themselves later on. And it means they can’t have any money until they are ~70 but they may need it much more when they are younger. I’d find it far more helpful having regular additional tax free income from my parents savings in my younger years than additional pension contributions.

Whilst you did answer rather than ask for advice, I am disagreeing with your answer and letting OP see that there are different views on this and your answer is also is at odds with the wiki.

The compounding only stops if you take it out… you can gift it to them when they are older and they can always put it in their own SIPP then and take advantage of their own tax breaks at the time. Or you can gift it to them towards buying a house or university costs if the money is needed before they turn 70.

Please see the wiki page on this.

I would prioritise your own SIPP over your kids SIPP. You can then give the money to them at a more helpful time in their lives. Also prioritise your own ISA over your kids - we see lots of posts of 18 year olds having blown the lot.

It also has downsides and you can get the same benefits of compounding in your own SIPP which would allow the kids to access it earlier. A JSIPP also risks the kids not being able to be as tax efficient as they may want or need to be later in life.

There’s a lot of reasons it’s not necessarily helpful to Max out their pension. You should only do this if you are already maxing out all other allowances. We have a wiki page on this

Just so you know you replied to the automod comment not OP.