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Over 50s MoneySaving
Archives for December 2012
Discussion List
Selling home to pay care home fees?
Hi I wondered if any of you knowledgeable people on this forum may know anything about paying care fees and if there is any way to avoid selling an individual's home who needs care to pay for it. A relative is currently in a nursing home after a stay in hospital and respite care. They felt unable to manage at home so went…
Leaving House to Children and moving to Bunglow
Hi, My Parents are considering signing their House over to me for me & my family to own/occupy. My Dad(72) is Disabled (severe stroke) and my Mom(57) is now also unable to work. They require an adapted bungalow ideally, would there be any issues with them giving us the house and seeking a bungalow from the local authority?…
Dilemma- would like advice and opinions please.
Ive found myself in a complicated position regarding work. The background- Im 60. my partner is ten year younger than me and is disabled and unable to work. Son lives with us and is at the moment recovering from cancer and struggling to find a job. We live in rented accommodation and because I work full time get no help…
xmas period pension dates?
Would anybody know if state pensions due in on 24th will be going in early?
Deprivation of assets advice
Can I have the benefit of your advice please. Approx 4 weeks ago my mothers health started to deteriorate. She was caring for my dad who is reasonably compus mentus but does not move around much as he has had several strokes and only moves around using a Zimmer. He has fallen a few times in the last month an lacks…
OH not happy
OH not happy at me posting
Government is now going to Mornitor our communications
Should be happened in a free society, the government is now going to monitor our telephone calls texts and emails and what we are surfing on the web, it seems that we are now in the gold fish pond and they are looking in. George Orwell got it right only thing wrong it's happening a bit later than 1984.…
Christmas present ideas for lady with early stage dementia and limited mobility
As my title says, I am struggling with this one. The lady in question (my mother-in-law) can no longer read more than a sentence or two, doesn't eat chocolate or drink alcohol, can't operate the DVD or CD player on her own and struggles with many other things involving any amount of concentration or movement. She doesn't…
The Xmas Rush
As I look back over the years and reflect on the changes over a period of 70 years or more I do not for one second think that youngsters today have a much easier life than I did. Despite everything then being labour intensive there was a certain tranquillity of life that does not seem to be evident now. As I look around…
Trusts
Hi there folks, Was wondering if anyone can help re trusts. I have some commercial properties and i would like to start the process of getting them in order for my children etc. does anyone know much about trusts and cgt, inheritance tax and the like? I assume i would require to be around for a few years for the trust to…
Gifts to Children (money or otherwise)
My elderly mother wants to help me to buy a new car. I understand that she can give me up to £3000 per year and £6000 if she has not used last year's allowance. If she bought the car herself and then gifted it to me would inheritance tax still come into it? Alternatively, if she bought the car and I paid her back monthly…
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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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