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I have been following Cornel Chin's excellent series of exercises in the 'No gym workout' section of your magazine. Although I have found his exercises to be very effective in building tone and strength to my body, what can Cornel suggest for helping me to improve my overall stamina without going to a gym. At present, I do some skipping and jogging on the spot for about 15 minutes, but have recently received complaints about the noise I make from my neighbour below. His suggestions would be most welcome.
P. Diamond, London, NW8
I am pleased to hear that you've found the exercises in the 'No Gym Workout' section useful and hope you continue to do so. I fully understand your predicament, as your desire to increase your stamina is precluded by complaining neighbours from below. This is a common problem and to tackle it I would suggest that you try low impact circuit training that you could comfortably perform in your apartment. You may also consider the purchase of a low cost, but robust piece of exercise equipment. This could be in the form of a rebounder/mini trampoline, a basic cycle, stepping machine or cross trainer. A plethora of fold down/collapsible machines exist in todays fitness equipment market and you should have little trouble in finding one most suited you. Good luck!!
Cornel Chin
I owned my flat with my late father and my aunt. My father died some years ago and my aunt has recently died. My father left his entire estate to me but my aunt breaking her word has left her one-third share of the flat to my uncle and he wants to sell the flat. There is nothing in the title deeds and I found a copy of the land transfer when we all bought and there is no mention of shares at all. Is there anything I can do?
S. W., by e-mail
It looks as if you are home and dry. Your aunt and yourself appear to have held the flat as joint tenants and not tenants in common. In other words the survivor inherits the flat and there has been no division between the owners. Your aunt made an assumption which may have seemed logical to her but which was legally wrong because there was never any document between the parties dividing the flat into shares.
Des Taylor
My late mother died recently and the main asset of her estate was her flat. There was a small amount of inheritance tax to pay. I have just sold the flat for £40,000 less than the probate valuation. Can I reclaim the inheritance tax?
B. A., by e-mail
You may be able to do so. Remember the valuation is at the date of death not at the date you sell the flat. You do not say if you had a professional valuation as at the date of death but you can apply to the Capital Taxes Office and they will send you a form to apply for a reimbursement. You have to answer a number of questions but if you can establish there was a genuine mistake you should get a refund and some interest.