Last week, a couple were fined for taking their children on a term-time family holiday without the school’s permission. Headteachers can grant leave in exceptional circumstances, but it’s unlikely for a holiday and holiday prices soar in school holidays. Should term-time holidays be allowed? Should parents be allowed to take their kids on holidays during term-time? Which of these is CLOSEST to your view?

Is it a question of sharing everything, or are finances something you keep secret? Which money issues do you ‘hide’ from (or not fully disclose to) your partner?

Apply for a mortgage, credit card, even a mobile phone contract, and you’re credit-scored (see Boost Your Credit Score for more info). As well as your application form details, and any past dealings they’ve had with you, firms also get details from one of three credit reference agencies. Answer for ALL whether you think this information is on credit files for LENDERS to see. Once you’ve voted, check whether you were right by clicking the “discuss current poll” link below.

Parcel delivery horror stories range from no-shows to “they threw the goods over the fence” or “they lied that we weren't in”. Last year, we asked who the good guys and cowboys were – now we want to see if anything’s changed. Please rate your overall experiences with these major firms DURING THE LAST YEAR (don’t rate if you haven’t experienced their service).