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Home care
I am now a pensioner (age 66) making arrangements for my pensioner mother (age 94). My mother receives four weeks of home care at public expense following a fall and hip fracture. Beyond four weeks she will have to pay for her care because her savings are more than £23,000. The price of care appears to be in the order of…
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Power of Attorney at Which
Please be careful! I clicked through from a link on Martin’s email to purchase power of attorney from Which, it had a % off offer. Paid £194 for husband and myself (Scotland), including review of it. Received it. Had to require witness of signatures, either my doctor (our surgery doesn’t do this) or a solicitor. Then get…
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Lump sum pension - Universal credit automatically reduced to zero in January?
Ok so I know about the capital rules for UC for £6k-16k but what about immediate automatic effect in the month that the lump sum is received? I will get small lump sum of £8k pre-tax on Dec 30th. My UC is around £700-1000 usually varying month to month and next payable on Jan 7th and calculated based on income up until Dec…
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New car
I bought a brand new car 13 months ago and it has been back into the garage 5 times with faults..ie New petrol tank and sensors and other electrical faults. I have asked garage for a refund or new car.. They advised me I would need to pay another £8000 or refund with depreciation.. I cannot trust this car anymore I am in…
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mean test pension credit
I am a pensioner, I strongly believe that the goverment mean test pension credit on saving income is extremely unjustified . It said " £1 a week income per £500 of savings above £10,000 " so if you have saving of £17000, saving income £14 per week £728 per year. Do they know that you will need annual saving interest of…
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Over 50
I have just joined this website and I’m finding it extremely interesting to read. There’s a post “over 60”, and people have explained some savings. Is there anything out there for the full time employed over 50s because I’d love to save a couple of pounds each week shopping, even if it was put on a loyalty card for…
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Car insurance
Hopefully someone can advice me. My husband has given up driving due to being diagnosed with AMD, so I am now the only driver. I'm 66 years old, have been driving since I was 21 years old, but have not had my own car for ten years. I have been a named driver on my husbands insurance and have done most of the driving for at…
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Council Tax Rebanding
Hi everyone, just a quick question if someone can help. I have filled out the online form for the Council Tax rebounding which it said the reply would be within 28 days. This time has now passed and I have not heard anything. Does anyone know a telephone number who I can contact to chase them up. TIA
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Age 60+ "Asda" cafe £1.00 meal deal
During Nov and Dec "Asda" cafe are offering for £1.00 a bowl of soup and roll, and unlimited hot drinks. All day, every day. (I don't think this is available in stores where the cafe is run as a concession, e.g. my local store has a McDonald's instead of a regular store cafe).
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Yesterday's budget and £300 announced for pensioners.
Can anybody tell me is this is a new cost of living payment for next year, or is it the same one that pensioners have already started receiving? Thank you.
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equity release
Hi , I am considering equity release to try to avoid my beneficiaries from paying large amounts of inheritance tax when I dye . My house is worth in the region of one million Pounds, the value of which has accrued over many years , Is this something I should consider
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From the autumn eight million state pension households will receive an extra £300
This appears not to be £300 per State Pensioner but rather £300 for each household where a single pensioner lives. How would this payment be made where two or more pensioners live in one household? In my household currently, I am 66 and get a £100 Winter Fuel Payment and my father in law aged 87 gets £200. How would the…
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True inflation rate
Has anyone say down and worked out their own personal inflation rate ?Mine must be over 100%Every week, my wife comes back from shopping an d starts "Toilet rolls are now £12.......""Baked beans are up 5p" ........"Cat food is up 10p"I dont believe that it is only up 10% in a year
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Mortgages for over 50 first time buyer
Hello all, im in my 50s and never been on the property ladder. I am recently married. My husband has owned , but when he got divorced he relinquished the marital home completely because of his children. Now we are both renting and looking to get onto the property ladder soon. Are there any first time buyer options /…
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Walking frame (Zimmer)
My 94-year-old mother was provided by the hospital with a walking frame with wheels at the front following a hip fracture. She is dependent on this for moving about within her apartment. She wants to know whether a frame with wheels at the front is suitable for use outside her apartment. I seem to remember that Zimmer…
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Passive Multi Asset Funds
Hi, My wife has a £25k S&S ISA that she's looking to transfer and open a SIPP at the same time, both in Passive Multi Asset Funds. She's 52 and hoping to retire in the next 3 to 5 years. We have been looking at the Vanguard Life Strategy 60% and 40% and also the Target Retirement 2025 fund for the SIPP. Does anyone have…
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Council help with 24 hour care
My 102 year old mother still lives at home. My two siblings and I have been helping her but she now needs 24 hour care. She doesn’t want to go into a home and sell her house. We are looking into 24 hour care. At the moment she has over the £23,000 savings cap for council help. If she was to have 24 hour care at say £1500 a…
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Mortgage almost paid off - now what?!!
Hi. An infrequent MSE user, I’m about £5k away from paying off the mortgage on a 3-bed end-terrace house — and I’m somehow terrified! Are there downsides to paying off mortgage? I saw a discussion that said lenders like to know you owe money to other organisations: could being mortgage-free get in the way of deals for car,…
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Off grid help
Hi all, I live on a narrowboat and have been told by my supplier that the price of coal and wood is going up a lot this winter and I wondered if there is help for people living on narrowboats etc as we are not seemingly covered by the energy help by the government, not that I have heard anyway. At £15+ per bag of coal now…
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Over 60
Hi, I turned 60 in October, live in England, in F/T employment. What things am I now entitled to please? Thanks, Andy.