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Over 50s MoneySaving

Archives for July 2007

Partners Will - Wrong Info
I came across my partners will today. In it he leaves "his property" (our home) to our son absolutely. Now while I admire that I am concerned about a minor aspect of it. The house is mine, always has been. He has not contributed to it (not even with housekeeping). In my will everything I own goes to my son, partner doesn't…
making a will and IHT avoidance advice please!
Hi all, well I am not quite 50 but almost and a recent health scare has got me thinking about wills. For the record I own my own house and am divorced. I have 3 children none of who live at home. My house and assets are worth more than the current IHT threshold. as i have no spouse what I want to do is to divide any assets…
Will clause
Hi My sister has had a will drawn up by a company called Solicitors Probate Services Ltd. She has asked me to look at it for her as there is a bit that says if her two chosen executors and trustees (her daughters) are unwilling to act then her solicitor from SPS will be her executor and trustee. It later says that trustees…
Denture's
Hi, I recently had a full set of denture's fitted, but being my mouth was very sore after having the bottom teeth out its only now I have started wearing the bottom denture's. The top denture's are fine but I find the bottom ones tend to move while trying to eat and while talking. I realize it will take time for me to get…
Paying for a Care Home
Not sure if this is the right place to ask (Can the boardguide move if not please). I wonder if anyone can help me with some information about paying for residential care, or rather trying to get help with paying for residential care. What little I know, I know from the Alzheimers website. And I prefer to deal with social…
Calculating Tax
Hi, Can anyone tell me how the Tax calculations work please....IE. I have used the on line calculator that Martin recommends for my husband as a married man over 75. On his income it looks like he doesn't need to be paying tax as his pension isn't enough to be doing so, So my real query is does he have to add my income in…
Does this sound wrong to you? Pensions
I was talking to someone i know and she mentioned about her housing benefit being overpaid and having to pay some back During the course of the conversation she told me that she receives over £170 a week in state pension, a small occupational pension of £24 a month-and some DLA( i dont know the amount of this) She has to…
High Interest Accounts?
Hi All, We are selling mums and dads house to fund their care and need some advice on the best way to invest the proceeds. The house is worth about 190,000 - £95,000 each. Does anyone know the best way to invest this money to get maximum interest. We need to set up two saving accounts as one parent has a registered EPA. We…
Selling a house with registered EPA
Both my mum and dad are in care. We are selling the house to fund the care as they have now run out of savings. They have joint ownership of the house. Mum is in nursing home and able to sign the sale of house. Dad has dementia and is unable to sign so we have registered his EPA and will sign on his behalf as attorneys. My…
West Yorkshire Pensioners
from next week West Yorkshire Pensioners can apply for new passes giving them free off-peak bus travel throughout England. Details at www.wymetro.com or leaflets at post offices Bus Stations and Libraries. I hope this helps someone.
Christmas??
We have spent every christmas with our family for the last 37 years, since we married. Mostly I end up doing it all and somehow everything magically appears. This year I really would like to try christmas away from home, on holiday, just the two of us. Somewhere warm but not madly expensive Do any of you have experience of…
Best Rate Fixed Bond
Has anyone got a good comparison www site please. I have a Nortern Rock Fixed Bond maturing this month & their best 1 year from 1/8/07 is 6.20%. Can anyone beat that bearing in mind rates probably will go up next month:D
Releasing Equity
Don't know if this is the right place to post this but here goes. My husband (age 63and still in employment) and myself (aged 62 and retired with only a very small pension) have been thinking about equity release. We have recently re located to Norfolk and had to spend all our savings on re vamping our bungalow. We have…
Amazon vouchers
I joined this great online panel, www.justtheanswer.co.uk, where you get points which you can convert into Amazon vouchers for answering their surveys. i really enjoy them now I am retired and have a bit more time, and its a nice treat to get things from Amazon which my pension won't stretch to!
Reduced insurance premium
We've been insured with Royal Sunalliance for years (contents and buildings) and have just had the renewal forms from them which states that we can now get a discount because my DH is over 50! (he's actually still 50) I can't remember the percentage discount but it worked out at around £30 off each policy. I hadn't…
fridge freezer help it's given up the ghost
I have a friend who is in her 70's and her fridge freezer is broken. As she is on a tight pension there is not much money left to splash out on a fridge freezer. So hope someone can help us. Thanks in advance :j
Warm Front advice
My Mum has been told she is eligible for a Warm Front grant. The assessor told her that she could have 5 radiators and a gas combi boiler in her 3 bed semi. She currently has just 3 storage heaters. She asked if she could pay the extra to have radiators put in the other 2 bedrooms and the assessor said yes. He told her…
Financial support for kids at uni??
[URL="javascript:openWindow('pop_delete.asp?mode=Topic&TOPIC_ID=6771&FORUM_ID=32&CAT_ID=12')"] [/URL] [FONT=Verdana, Arial, Helvetica] I was reading this article http://www.mapleandleek.com/html/display_article.php?id=30&articleid=7&hid=yes and was wondering how much financial support you give to your kids at uni? I sent…
Buying a wheelchair
THis is a rather ageist place to put this thread, but I hope someone may have a bit of experience in the matter. I need to buy a collapsible wheelchair to stick in the boot of the car. It needs to be cheap, but one that I can manouvere myself without help, so something with a 'smooth' action. ANy recommendations for…
Care Needs Annuities
I've seen the following website mentioned on this forum: http://www.sharingpensions.co.uk/ann...iate_needs.htm I've got a mishmash of questions as I am just starting to research options and want to have a plan in my mind before anything becomes a necessity and end up having to make rushed decisions: Just how up to date are…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Over 50s MoneySaving

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