DumbMuscle

Wanting to understand this since it's going to come up when I go see my mum this weekend - I'll be encouraging her to chat to a financial advisor, but I want to be at least somewhat informed.

My dad died a couple years ago, and his SIPP was inherited by my mum. It's not subject to income tax, as he was under 75.

Once the IHT changes come in, will that be treated the same way as any other pension, ie will it be subject to inheritance tax?

If she is over 75 when she dies, would I have to pay income tax when drawing from my dad's SIPP if I inherit it, or does the income tax exemption "stick" to my dad's SIPP? (I think income tax is still payable on anything it would have been before the cha

I'm going through my dad's affairs after he died last week, we have the death certificate and we're in the process of informing various organizations.

One issue is that as far as I can see from the guidance provided by the DVLA, for the car where we can't find the v5c, the tax expires as soon as we inform them, but we can't retax it until we get a new v5c, and can't drive it until it's retaxed.

Obviously with Christmas next week and the postal strikes, this could take a while. Is there a quicker (ideally entirely online) route here?

Secondly, the MOT on that car is due in mid January - if we haven't managed to get this sorted by then, is there an exception for driving the car to/from the

I'm going to be moving house later this year, currently aiming to complete in July.

The fixed term on my current mortgage ends in May, and I'm fortunate enough to have the savings to pay it off in full.

We will be getting a new mortgage for the new property, and using the sale of my current house to fund the deposit.

The early repayment charge during the fixed term is enough that it's not worth paying before the fixed term ends (3%), but I can't currently see any reason not to pay it off in full as soon as the fixed term is over. Am I missing something?

The fixed term interest is 1.75%, and will then roll over to Barclays' SVR. Any savings interest in the few months between the end of t

After a bunch of viewings, we have 3 houses on the market that we would be happy to buy. What's the best thing to do here? Do we just offer on our first choice, wait for an answer on that, and risk the others going while we wait, or should we offer on all three (and potentially have to pull back from one if we get multiple offers accepted)?

Offering on all of them definitely seems the safer option for getting somewhere (without more viewings, which are hard to schedule due to personal circumstances), but risks not being taken seriously if eg we get the offer accepted on our third choice while the first choice is still considering it and have to decide whether to go ahead or hold out for the

Looking over our budget numbers, it turns out that it's just about possible for us to buy before we sell the old house. Essentially, it's a choice between selling at the same time as buying and then having a 50% mortgage, or buying first and then having a 85% mortgage (this is going to be a considerable upsize!). Obviously it would be a much higher mortgage, but we could also pay it down quite aggressively, and we have an AIP to cover either scenario.a

This is mostly being considered so we can make offers on this basis (ie, if we're the slowest part of the chain, then we can break it and speed things up). Are there any major costs or risks that I'm missing here?

I'm currently budgeting fo

I'm looking for a game similar in tone to Outer Wilds, but which is cooperative. My partner and I enjoy puzzles and figuring out lore, and generally theorising as a game throws out interesting clues, and we're looking for a game where we can do it together rather than one looking over the other's shoulder.

I'm finding myself with a bunch of time to play, but not a whole lot of energy for more freeform gameplay. By this I mean games with a huge number of ways to approach each level, and especially where those moment-to-moment choices have an overarching story impact, rather than necessarily games with a non-linear story.

Mainly looking in the AAA space, and for more recent games - I like having the shiny graphics. Any reasonably action-oriented genre considered, though preferably first person or "over the shoulder" rather than top down. Playing on PC, happy with either keyboard+mouse or controller.

For example, I've played and hugely enjoyed:

• Titanfall 2 (straight up linear campaign, ex

Financially, my partners and I are in a pretty good place. But we have a few bits of complexity which might make banks wary.

Firstly, we're in a polyamorous triad, which means there are three of us.

Two of us (me and partner 1) will be the ones actually buying the house, name on the deeds, getting the mortgage. Partner 2 is disabled an unable to work, and has a pretty shakey credit history, so won't be contributing towards the deposit or mortgage or having any ownership, and she's fine with that (in fact, she's generally the one arguing for that situation while we're going "are you sure?"). We don't have any joint accounts, so partner 2's credit history doesn't directly affect ours.

We

While looking for a completely different file, I came across an old doge wallet from about 5 years ago. It wasn't much at the time - but probably a couple hundred pounds now. I'm fairly sure I remember the password on it, but what's the best way to access it and check how much is in it?

Does anyone have any suggestions for battlemaps to use for encounters with stone giants - i.e. ones which show ruined buildings in a way that could be caused by the stone giants taking them apart piece-by-piece.

My players are travelling towards Deadstone Cleft, after catching sight of some of the refugees fleeing the stone giant artistry, and my own mapmaking skills aren't producing anything I'm happy with.

I'm looking for a set of map tiles that can be combined into outdoor battlemaps (5ft grid, square), which can be arranged in pretty much any way. Mainly for quickly consturcting random encounters, and/or expanding the map when the ranger decides they want to use the full range of their longbow! All the tile sets I can find are either for dungeons and caves, or are designed for larger scale wilderness hex maps.

I've had some thoughts on how to present the Ordning, that I would like to share. Also, on how to extend it down to other giantkin.

The best way I have found to explain how the ordning works between, say, a powerful Stone Giant and a weak Frost Giant is to use military ranks. Most people are familiar with the idea of a sergeant who is incredibly capable, but serving under an incompetent officer - the Ordning is much the same. The sergeant (stone giant) may be more capable in every way, and may be the one actually calling the shots in practice if they ever work together, but the officer (frost giant) is still higher rank. In a very traditional army, it would be impossible for the sergean

I'm looking at starting up a 4E game remotely, and wondering how best to do it.

Currently, I seem to have 3 options:

1. Fantasygrounds, which requires throwing a chunk of money at getting the VTT, but then has a working 4E system (which hopefully handles a lot of the faff - though feedback on how well this works would be appreciated)

2. Run in Roll20, which seems like it should work well enough once the character sheets are set up, but getting the powers set up on the character sheets looks like it will be non-trivial to do. On the plus side, I'm already used to it from running 5E games, and if I do need to sub for API access to do interesting things in 4E, that will also help my 5E game

Dancing Sword (the spell) allows you to make an attack with the sword "as a simple action". How does that interact with multi-action penalties? Is it counted towards the multi action (therefore adding -2 to the multi action penalty, and preventing the use of other melee weapons) or not, and if not, does it get its own d20 roll or use the bonus generated for the main action? If it does count towards the multi-action, then labelling it as a "simple action" seems odd, since that doesn't really change anything.

As far as I can tell, this is possibly the only "simple action" that requires a test, which makes it confusing how it interacts with the rules.

I am potentially looking at running a game of Bacchanal (warning, NSFW - but I'm not going to be discussing the game itself in this post, just its rolling mechanics) with some friends. However, the rules very much rely on being able to pass dice around and know which die is which in the set.

For example, on a typical round, the player might have 4 Wine dice (d6s), a Satyr (d8), Minerva (d6) and Bacchus (d8) in their glass, and the result of their action depends on which of those dice shows the highest number (with special rules if the two highest numbers are a tie). The roll may result in them removing a die from their pool and/or adding another die to the pool - and there are finite numb