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Over 50s MoneySaving

Archives for February 2012

High Interest & Easy Access for over 65's
My Mum will be 70 this Year & has just Sold her house to move back near the Coast where she was Born, unfortunately, she broke her ankle the same day the sale was agreed, so she has to stay with one of my Sisters, Store her Possessions & Place the Money from the house sale in a Bank until she buys the right place for her.…
Contesting a will
Just can't get this off my mind. I wish I had a switch to do that in my brain. Dad died. He was happily married to Mum until late 70's when Mum died. I was pleased he remarried, he was happy, and I liked her. Our 'family home' was always said, whaterver, to be for me and my sister 'at the end of the day'. Dad moved from…
OPG Fees
Hello. I am seeking help in appealing against and opposing the new fees recently introduced by the OPG in respect of Deputies (appointed by the Court of Protection). The fees are payable from the accounts of the vulnerable person. In my case, in which I act as Deputy for a family member, the annual fee charged by the OPG…
What do you do when you are on your own for holiday?
Any advice welcome. Husband died in November, I am in full time work but suggestions for one person holiday would be really appreciated.....
save at 3% or re-invest?
I have chosen this board as it suits my context better than general savings and investments. I have £40K invested which is about to mature ie reach the end of its tie-in period. My IFA wants me to re-invest it. [Well he would, wouldn't he?] It's money I would actually want to keep long term. He is proposing an investment…
Nursing home dilemma - when Mum moves is my brother homeless?
Need some advice from the experts please. Shortly after my father passed (October 2003) my Mum found she couldn't manage at home alone due to her poor health (severe arthritis and mobility problems). As she lives in a large house we decided my brother and his family (wife + 2 kids) would move in with her. He rented his own…
Dad going into care, worried about mum's financial position
My dad was admitted to hospital 4 weeks ago, and it has become increasingly obvious that his health has deteriorated to the point that my mum can no longer cope with him at home. She has made the difficult decision to allow him to be discharged from hospital into residential care. She isn't really thinking of the financial…
Bus passes going?
Take the bus passes off us is starting to surface again. anyone concerned or have not eared about it...yet.
Cheapest optician for glasses
Specsavers say they give a discount but are they dearer to start with? Thanks.
Paying for funerals
I am looking into ways to pay for my funeral. I am 54, don't have any life insurance and have health problems which would result in higher life insurance premuims. Have done some research into over 50's life insurance no medical plans, but am not impressed. My gut feeling is to put money into a cash ISA and save. Although…
Pretend discounts!
A satellite guy came to fit a new digibox for a neighbour. On his van were emblazoned the words 'discount for over 6os'. When I asked him about it he said he could fit one while he was here and he quoted the price he charged my (young) neighbour. When I asked about my discount he huffed and he puffed and said it was…
Minimising problems for your survivors
A key piece of advice left out of the fact sheets about discussing 'unpleasant issues' relating to your own death or lack of capability is as follows : set up a joint bank account NOW with (probably) your main beneficiary or attorney-to-be or whoever will need rapid access to your money - for instance to settle bills, pay…
Over 50 but well under 60 - any discounts/concessions etc?
I'm 50 and while I'm pretty happy on the whole, I'm financially more constrained than I've ever been. No complaints, it's just the way it is - a result of having reached the point where I no longer receive any child-related benefits but am still running a small family home as a lone parent and will have to continue to do…
missing state pension
Well, this has never happened before. My state pension is paid directly into my savings account every Monday, except when there's a bank holiday when it's paid the previous Friday. Not there today! I wonder why this is - does it happen often and I've just been lucky up until now, or should I panic and call DWP? Luckily I'm…
State Pension Age....confused or what!
Sorry if there is a thread....I have tried searching! I am totally confused by current State retirement dates. My (male ) dob is 4/8/55, my wifes 26/8/55. Now originally, being born after 1953 we were both set to take pension at 66. I then read somewhere in the nationals that HMG had reacted to the unfairness of those born…
Senior railcard v Network rail card
Hi, sorry if this has been asked before but can't find a reference. I know what a network card does as I've had one before, but, can I buy more than one ticket (ie for two passengers) with one Senior railcard? If a Senior only applies to one passenger then surely a Network card works out a better deal? I can't find any…

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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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