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Retirement flat management fees
I am considering moving to a retirement flat, as I can't manage my small house owing to ill health. I am on a very low income, but I have savings. I am hoping there will be some equity left from the house sale as the flat should be cheaper. However not knowing how long I might live, I might run out of capital/savings in my…
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When do I stop paying National Insurance?
I have a state pensionable retirement age of just under 64 years, does this mean I will continue to pay NI contributions until then? I've got a feeling that they won't stop at 60 - anyone know if I'm right?
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first days of retirement - Decompression Zone
So - I have now just retired. It's been long-awaited. I have been/am looking forward to it and have plans to use all that extra free time:D I've used the phrase "Decompression Zone" - because I guess that's what I'm in now. Right now I'm bone-weary (physically and mentally) - not helped by a pain in a fingerpad hurting…
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At last! Something to look forward to in retirement
For once, I'm quite speechless
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MSE News: Funding concerns over elderly care
"The Government is failing to adequately plan for the care needed by our rapidly ageing population, says a new survey ..." Read the full story: Funding concerns over elderly care
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Am I going mad or has something disappeared?
Did something happen to the thread about the son pressurizing his mother to leave her home? I know it rambled well off the subject but does that mean it has to be removed? Please tell me I wasn't imagining it!
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Paying for care at home
Hi, this is a cross between a paying for care question and IHT advice, so hope it makes sense. Basic synopsis is this. Elderly father with severe dementia and associated health problems. Elderly mother who was caring for him but has herself just had a stroke so needs care herself (how long unknown at this juncture). They…
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Elderly grandparent want to put house in trust for grandchildren
My elderly mother has left her estate to her grandchildren in her will. She is worried that if she dies soon one of her grandchildren although in their 20's would not use the money wisely and so she would like to put the money into a trust to safeguard it. Is this expensive to do and are there any disadvantages to doing…
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Cheaper Xmas Stamps From Royal Mail If On Pension Credit Etc.
"If you receive Pension Credit, Employment and Support Allowance, Incapacity Benefit or Unemployability Supplement, you can buy up to 36 stamps in either books of 6 or 12 at our Christmas 2011 prices." http://www.royalmail.com/services/personal-delivery-options-uk/christmas-offer?campaignid=stampoffer-redirectR
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What can Executors do after Grant of Probate?
Hi all, Unfortunately I lost my Mother earlier this year and have been going through the heartbreaking process of sorting her estate out. Luckily Mum left a will so honouring her wishes in regards to what she wanted to happen in the event of her death should have proven relatively easy – but then I meet a solicitor!! I…
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Codicils to the will or just a "please give" list?
Dad died a few months ago. His will, and mum's, are on shop bought forms in their own handwriting. Both stated quite simply that they left everything to each other (28 days, blah), and then to me, their only child. No bequests were made by either of them. The estate is most unlikely to be liable for IHT when mum finally…
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LPA Propert & Finance and trustee-HELP & ADVICE
I have LPA for my mother- in- law. I have used this in recent times to start managing her financial affairs. [She as mild dementia]. I have been successful with every organisation and used to sell her old home without problem. However, one financial organisation HQ in Bristol is refusing to recognise the LPA. Stating that…
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question on service charge for wardened accomadation
I am writing this in behalf of my mother. Mum is 60 years old. She is currently on incapacity benefit and higher rate mobility due to a variety of health problems. She recently moved from a council house to a council-owned wardened flat. Theres a £14 a week service charge to be paid on top of the rent (she is entitled to…
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Minimising private care home costs
Hi We are both approaching 50, have £280k net worth, roughly split 50/50 assets/savings, in reasonable health and DS 14. Savings are currently increasing at around £12k pa. It is our wish to pass on 99% of what is left to DS and have made wills accordingly. However, the possibility of future care may intervene and…
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Signing over a house.
Just looking for a bit of advice if possible. Tried last year to get a mortgage to buy my parents house. After being accepted the mortgage company changed their mind. Came to a private agreement with my folks so they could move to Spain but I pay them an amount monthly as opposed to a mortgage company. The time has come…
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Please help MSE test new Cheap Wine Discount Finder tool
If you've got five minutes we'd really really appreciate your help testing out our new tool and giving feedback. All info in this thread (reply there too please): http://forums.moneysavingexpert.com/showthread.php?t=4207415