JUNIOR ISA

Hi mamas, I’ve been looking into opening a Junior ISA and was wondering what you think about using Vanguard or Hargreaves Lansdown. Do you have a preference & why? can’t decide!

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My husband who's good at this stuff says Vanguard has lower fees and is perfectly good if you just want to stick money in a market tracker fund and let it grow. HL best if you want to hand select stocks and actively manage it yourself or they do have an option for them to manage it for you but with higher fees. We'll be using Vanguard.

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We chose Hargreaves Lansdowne, I compared the fees for both to decide.

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Have you ever had someone threaten/report you to CPS?

This one is triggering and embarassing which is why I made it anonymous. I have had multiple people threaten to call CPS on me because of my childs volume. (He is a toddler.) One of them was someone who was exremely hypocritical assumed the worst and tried to accuse me of "medical neglect". There was none. The others were people claiming that "I have no control over my child" because he was too loud. One of them even tried to accuse me of beating my child when I dont. I do not beat, spank or hit my child in any way. They were roommates who were just trying to get me kicked out because they thought my child was loud all the time. I have even caught them video taping me and my child whenever he got loud or whenever he had tantrums. I was not paranoid. The person who I paid rent to even admitted to me that the other roommates were recording us. She admitted it in text. I also caught her lying about it because a few months before that she lied saying "Nobody is recording you or taking pictures of you. They even showed me their camera roll." (They probably deleted the pics/videos before they showed her) but then a few months later she said "They have plenty of pictures of you and your child. You can't control your child!" Ironically, those same people who reported me or threatened to report me were people who were hypocrites and who did not have custody of their own kids or they beat their own kids (i heard it) or both. One of them even told me they think I should spank my child. (I don't) its almost as if that person was trying to set me up.

Btw: CPS never took my child. I have full custody of my son and I always have. When CPS spoke to me they took my side with each call. I knew I was innocent. They even agreed with me that a lot of his behaviours were common for his age. One of them even said "He looks fine" when she looked at him. It is scary that some people would threaten CPS to people just to intimidate them. Also, i moved. I don't live with those roommates anymore.

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Unpopular opinion when you get married your in laws and your parents aren’t adding you to their families. You’re leaving those families and creating your own NEW family.

I don’t like the idea that the in-laws are adding you as a new daughter and their son is still their baby and they all treat you like your still kids that are an extension of them.
If you’re getting married a man should be grown enough he doesn’t need to run to his mommy for everything and is starting his own new family. His wife and children and his # 1 priority and his now extended family (his parents and siblings) are his 3rd priority. And same vice versa for the wife and her family.

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Partner keeps wasting money

My partner who has admitted he has a drugs addiction keeps spending £100s each week. Hes saying its not always on drugs but he has nothing to show for it.
Im sick of it.
Its his money and i totally get that and if he was buying a pair trainers or somthing I could actually see i wouldn't be as angry!!!!
We live together and he pays the bills (some weeks like this month ive had to use all my wage on bills - i only do 1 day a week so its basically my pocket money)
Just feel he's stealing from his family..me and our baby because we should be spending it as a family or saving!

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Holiday musts

Hi 👋🏼
We’re going on our first family holiday to a caravan in the UK in a couple of weeks. Please can anyone give us tips of what to take and what not to take. My brain fills very overwhelmed right now ahah

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When do I start searching for a school & what's the process please? (UK)

My daughter will be turning 3 in October. When should I start looking at schools & what's the process?

I find the thought of it all very overwhelming 😬 plus I don't want to come to terms yet that my baby will be going to school 🥹😭😂

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How to break up with someone who won't let you?

We've been fighting non stop and then today was the last straw. He didn't call me back earlier and I call him and he's saying he's going to take a nap because he's really drunk and can't drive home. This was after having the dumbest argument earlier in the day. Every time we get into it, he says he's done and doesn't want to do this anymore. I say ok and then he comes back to egg it on more. Then if I don't call him or I'm not as responsive, it's an even bigger issue. I feel depleted. If I block him, it'll just make things blow up even more and he'll know how to hurt me because of it. Ugh please help. We don't have kids together or live together but our lives are so intertwined and we do share a business

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