Nutty Stepmum's Club (NSC) - Who Wants To Join Us?

[SadSam]

Howdy!!!! Squirrel 3 and I have decided that as we are a bit nutty, we'd like to set up the Nutty Stepmum's Club or NSC. If anyone would like to join us, please add to this post and prove that we are not the only nutters out there!

We would like to add a little bit more nuttyness to our already insane lives!!!!

hey glad dto hear you are ok Squirrel. Sounds like you ahve a lot on your plate atm. glad to see the revising is going well and the driving too. Im sure you will be a great driver. Might get round to learning myself one day when I can afford to run a car taht is.

all this talk of wills and stuff is getting me a bit freaked. We havent done anything about this tho I do know that our house would come to me because we ahve a joint mortgage and it automatically reverts to the other person in the event of a death. Anyway dp has bugger all to leave cept debts

LOL at biggest kid of all DP

I know what you mean about time tho - I really can't believe it's the middle of November already I just don't know where this year has gone! DP and I have been together 17 months today and it's gone so quickly, don't know if it's me but time seems to be going quicker as I get older!!!!

I'm off now, going early today cos I had to come in early yesterday. Hope they don't leave a mess on your drive chuck!!

Oh no!! I didn't see your post till I'd posted mine! Oops, me and my big mouth

Good job I'm too far away for you to come and hunt me down and beat me with a big stick!!

Hello Tarantula, hows things?

NAAM, I think I need to learn the theory before I do the exam, just tried the link, did the mock and failed it!!!

Hello, my new water feature is huge now!!!

Bet your all jealous!!!

Still, at least this time they asked if they could move ds's car!

Oooohh, sounds like you're having fun

At least they've come back to finish it tho!!

Our stairs carpet is being fitted as we speak

How are you today?

You managed to choose one then, what colour?

The work men have decided to dig up half of the road too! Yesterday they were just using kango's (sp?), today there are two huge diggers digging up the road and the pavement. I am so glad it is outside my house and not just inside, can you imagine how much it would cost?!!

Still water everywhere, they have dug out all around the tree, I'm a bit worried that the tree may topple over in the strong wind we are having today, if that happens it will fall into my lounge!!!!!

Welcome back Squirrel and hello all! Hows your water feature today Squirrel, did DP blow a fuse when he saw his car?

Regarding wills, I have just established that even if you have a joint mortgage (which DP and I do) if DP has kids then if he dies, half of his estate (i.e. house, belongings etc) will still automatically go to next of kin which is his kids. i.e. if he dies I will have to sell the house to give half the value to his kids as they are his next of kin. The only way to prevent it is to get married and then you are legally the next of kin! Nightmare!!!!!!!

FANC, I'm really worried about the house, if we decide to get a DP's name on the mortgage does that mean that if dp dies I would have to sell my home and give half to step kids even though I have paid the mortgage for 12 years on my own?

We really have to see a solicitor and get it all down in writing about what will happen if one of us dies. Its not really fair, I brought up my kids in this house, surely a greater portion should go to my kids if I die.

Anyway, are you getting excited about trying for a baby? Its not long now, are you getting in plently of practice? lol

I am suposed to be revising, but there is so much machinary going outside the whole house is shaking!

Oh well, I supose that I should give up and talk on here!

Oh dear Squirrel, there must be something really wrong! You're right, it would have cost a fortune if you'd had to pay for it - tho I think your house insurance would have covered it I'm not going to say anything about what time they'll finish today

I finally got a carpet on Tuesday - beige to match the curtains. Just need to find some picture frames now to put DPs film posters in so that's my next project

Hello FANC This will business really is a nightmare isn't it? Must speak to DP about it again. I keep saying that then I don't do it...

I checked thsi when we bought the house and we are joint tenents as opposed to tenants in common so that if dp dies the house goes to me automatically. It doesnt matter what is in hsi will or anything. so you need to make sure you are joint tenants. Have a look here

Mornign all btw

Squirrel I agree you need to see a solicitor about your will, think you need to tread very carefully in your situation Have to say if I were you I really don't think I'd be inclined to put DPs name on the house tho but that's probably just me being over-cautious

Mmmmmmmmm, this property business could work for me, does that mean that when my father dies, (whom I never see, who has never even seen his great grandkids, who doesn't even send the grandkids a Christmas card, who doesn't phone, write or anything) , sorry I digress, when he dies I could, in theory, make my wicked stepmother (I call her Cruella) sell all of his property (he owns several houses) and I can get half!!!!

Mmmmm, I could be in the money!!! That's assuming that she lets me know he has popped his clogs!!!

Its very worrying Squirrel, I would see a Solicitor if I were you. Im going to, although I am in a different situation as I dont have kids and I didnt own the house first, so it might be okay for you. I think they will ask you to prove that you have paid a reasonable amount in without DP and you will prob be covered, but see a solicitor just in case. I feel screwed either way at the mo. Even if we have a will done, Im still not going to be his next of kin am I? and although he can say that I am to keep the house, if BM decides to contest it (which she will) then she may have a valid fight! Also do you know ive been told that DPs/DHs should make provision for their children in case they die. i.e. if they are paying CSA they should ensure that if they die that amount is also covered! I was told the other day that DP should have an insurance policy to cover the CSA payments he would pay between now and the kids being 16 so that if he dies then it will pay out the state for the payments he would not be here to pay! Apparently BMs can contest that too if it isnt done and can request a reasonable amount for upkeep of the kids (despite the fact that they will still get their benefits)! God its so worrying and so confusing!

With regards to the baby.......... Im putting that on hold for a while, my choice not DPs, just dont feel ready at the moment, too much going on. Not ruling it out for next year though, just not first thing. Its lovely practicing though lol

Hello MsT

Thanks for that link - put my mind at rest!!

Sorry did that last post seem heartless, but it is the way I feel about them.

BTW hello Tarantula, thanks for the link. How are you?

Hi Tarantula Im confused, some sites say what you have said and some say different. I think what you have said is correct if there are no children involved, look at this website www.clsdirect.org.uk/legalhelp/leaflet27.jsp?section=6&lang=en

Sorry can someone show me how to do a link properly? lol

No Squirrel that wasn't heartless - but even if it were I think we have to be where this subject is concerned. I look at at this way - if it did happen BM would definitely be heartless!

Sorry Squirrel, I was looking at your earlier post not the one about your Dad

Still didn't sound heartless to me tho! Sound like he has enough to go round everyone to me

I know that my stepkids BM would fight for everything she could get her hands on.

As for my father and wicked stepmother, they have not had much to do with me since I was 13 and for the last 6 years I haven't seen or heard from him, I wrote to him last Christmas but I didn't hear anything back. He doesn't know Lea even exists, I supose its a bit sad but when he dies I won't grieve for him, I might grieve for the father I should have had but not for him... and if I can get some money, why not? I might be able to have some plastic surgery on the scars that he left behind when he stuck knives in me and left me in a pool of my own blood!

sorry I didn't mean to post that, it just got me thinking about what an evil b@stard he is!

When am I going to learn to keep my mouth shut?!

Why should you learn to keep your mouth shut Squirrel? I'm all for saying what you think personally, specially on here And I agree - if you can get some money then why not? I would in your position, and I'd spend it on ME!! Bit selfish probably But then again I don't have kids to spend it on

Hello everyone. Im fine. Looking forward to the weekend. am planning to go out tomorrow afternoon and bring in our Yule log so that it has plenty of time to dry out as we are celebrating Yule on hte 17/18 Dec.

I asked about the whole joint tenant thing when we bought the house and was told that legally the house would belong to both of us and not half each iyswim so it automatically reverts to the other person if one dies.

Have to say Id be very ary in your situation Squirrel as I can see youd want your kids to inherit if you dies (not that you are going to of course)

Ohhhh, I could buy dd a house, I'd love to be able to do that for her!