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Over 50s MoneySaving

Archives for January 2010

Gadget Gertie or not?
Errata has posted a reply regarding the new I-Pad saying that she's a Gadget Gertie. I'm definitely not excited about new gadgets. Are you a Gertie or a ............can't think of a name for those like me who don't particularly fiddling :mad: with new gadgets.
Apple I Pad
Could this be the computer for the seniors? One can't help wondering if Apple hasn't hit on rather a good mix with it's new I Pad product - not so much because of what it can do, but what it can't. It seems to me that many seniors are put off buying computers because most are overstocked with whizz bang technological…
Help with Tax form following father's death
I know this isn't really silver surfers subject, but I thought I might find people who had had to deal with this themselves and could therefore answer the question. My father died last year, my brother is filling out a form 'Potential Repayment to the Estate' which is dealing with his income from 5th April to his death. On…
What time do you get up in the morning?
The winter weather has made me lazier and sometimes I don't get up till 9.30, :D a very different time from the 6.30 alarm clock ring when I was working. If you're retired, what time do you get up now? Has it changed from when you had to get up and go to work?
How much money do you have left each month?
Husband recently retired and I have been retired for a few years and was recently chatting to a few other retirees and the subject turned to money:). Seemingly my husband and I have too much money left over each month:o. We have no mortgage and all we pay each month is council tax, gas and electricity, Sky, phone and…
Is anyone else over 55 job hunting ?
I desperately need to get a job as I really can't live on my current income. Since being 50 (I'm now 59) I've had 3 good jobs in my professional area. The last one was a 2 yr contract that ended on 31 Dec 09. I never believed that the 'age-thing' was true until this last bout of job hunting- I've applied for jobs which, up…
How long to start receiving deferred state pension?
Hi Can anyone who has recently started drawing their deferred state retirement pension tell me how long the process takes from first contacting Pensions Service to receiving first payment. I assume there is some exchange of correspondence while calculations are made, you are told options and asked to make your choice, etc.…
Board title - new poll (more options)
The original poll on the name of this board only had two options and was based on the premise that people were unhappy with the existing title, though quite a few posters said they weren't fussed about it at all. This includes the existing title and those suggested in the other thread, plus the option to suggest a new one.
Pensions and Paying Tax??
At the moment I receive the state pension and pay tax on it via a tax return. Next month I will start receiving a personal pension and received a letter saying it will be taxed with an emergency tax code (until they hear what my tax code is) before paying me. So does this mean that the private pension will be taxed at…
Silver Savers or Over 50s MoneySaving
Hi all, I've heard that you're not happy with the board name, so I've set up a poll! Please let me know what you think by Monday morning!
Work for over 60s
Hello, I retired last year at 62, sold my house and moved to France. Unfortunately, because of family problems, I now have to return to the UK. There is no possibility of selling my house here in the near future, and even if I did, I couldn't afford to buy in England. At least if I can keep this house I will have some…
House ins question for us/them
Currently we pay a house contents insurance to Saga (rented from housing association). Soon we will be moving and will be tenant of a house owned by our daughter & husband. It was our intention to continue household contents with Saga, and our daughter & husband would get a separate building insurance. It has been…
Thermometer that says when it too cold for the elderly
I know the title doesn't make sense as any thermometer will tell you the temperature but what I want is one of those ones that Help the Aged or Age Concern used to give out. From what I can remember it was a card that showed when the room was the right temp. and when you were in danger of hypothermia. Has anyone seen them…
elderly relative putting herself at risk...
Hi, Just wondering if anyone has any experience of this sort of problem - I have an elderly relative who lives alone. She has paranoid delusions re: the next door neighbour persecuting her etc. I believe these delusions are now affecting her in more ways, as she is also switching her storage heaters off overnight (when…
NHS Trust pulls CHC funding, wife at home penalised
http://www.dailymail.co.uk/news/article-1243107/Sick-Spitfire-hero-forced-sell-home-pay-care--leaving-wife-94-homeless.html This case seems toi be falling through the cracks.
Modestly-priced fun for becoming-deaf old bloke with no interests
My Old Gent has been retired a year now. He retired with a MUCH smaller pension than we had always planned for (so many thanks to MSE for so many good ideas and help) and I let him just bumble about the house catching his breath for a year. But now he's bored. Doesn't do any of the following: golf, bridge - or any card…
Joint tenants to tenants in common
We need to change the deeds of our house from Joint Tenants to Tenants in Common as we want to write our wills and what we wish to do isn't possible as Joint Tenants... I found some firms who do this for a fee £50 or so but wonder if its simple enough to do it myself... I did read a little about the process but it did seem…
Father - minimise nursing home cost to him
Hi, My father aged 85(divorced) is getting increasingly worried about living on his own and managing his medical conditions(primarily maintenance of his catheter). He has some short term memory problems that are slowly getting worse. He does have some home help and nursing care from the PCT as required. He feels that at…
It never rains but...
....it pours. Just when we were planning our summer holiday (the west of Ireland in July), a weekend in Doncaster for the English Democrats' Spring Conference (last one before the election) and our trip to the Midlands in June (Brackenhurst, Nottingham Trent University) and hoping for better health this year for DH and…
Can spouse and grandson be witnesses to a will if they are not beneficiaries?
Hello, please can anyone help as there is conflicting advice on the internet. My dad wants to make me sole beneficiary of his will. He has a house to leave which is solely in his name. My mum is in full agreement. I've been running around in circles all morning on the internet trying to find out if my mum and my son (aged…

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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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