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Over 50s MoneySaving
Archives for October 2016
Discussion List
Is this a scam?
I recently received a letter from City Financial Investment Company Ltd saying they need to confirm my tax status. They then go on to say that new regulations require a fund(not named) in which I invest to establish whether I am a reportable person for the purposes of the regulations. Given that any income I have from any…
Wills and things
Hi everyone, I've put this question here to get a range of suggestions/comments from people who've maybe been there, done that perhaps. I own property outright and have cash in the bank (am late fifties). I've been divorced for years so it belongs to me only. I have 2 adult children, both now married. 1 set are very good…
Executor
Deleted this as it is more appropriate on the Wills and Probate Board, many apologies!
50+ & workplace pensions
I've recently turned 50 and my employer is about to enroll their staff onto one of these works based pension schemes. is it worth my while, I'm only just over the new minimum wage.
Preparing for the inevitables
I am frequently struck when browsing these boards just how unprepared most of us are for the inevitables of life. Death and Taxes for a start. Kittie's wonderfully supportive thread for widows shows us how the death of a beloved husband is so hard to deal with, but equally on the Death, wills and probate board I read of…
Wills - Changes to Scotland Succession Acts
I'm putting this info here as well as on the Family Board as it is important for anyone who has made a Will in Scotland. If you live in Scotland, don't dash in to make your 'free' will in October until you have visited the Scottish Government website and viewed the new Succession Scotland Act 2016. There's also a guide…
Rail Travel
Looking at 4 adults (all 65) travelling to Southhampton Central from Manchester next May and instead of driving thinking about the train . Can anyone point me in the right direction for best return fares , am I right in thinking I need a Senior Rail Card ? Also is it advisable to book journeys early or a week or so before…
National Express Senior travel
Hi, I'm confused (perhaps deliberately) by the National Express site. If I go for travel as a senior, but without a travelcard, the cost is lower than as an adult - but there is no info on what proof is required, only details of the card which I don't need. It says "senior" is 60+ and adult is 18-59, but has anyone…
Attendance Allowance
Dad lives with Mum and both have care needs. Do they both have to apply for attendance Allowance? Dad currently gets it. Is it per household or per person?
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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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