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Term Life Assurance
I'm looking at insurance plans that pay out when you die. Sun Life https://www.sunlife.co.uk/media/over-50s-life-insurance/?utm_source=Google&utm_medium=ppc_gofandterm&utm_campaign=GOF&gclid=Cj0KCQiA0p2QBhDvARIsAACSOOODWqik-f2QQMHcsgoNhssLF8F6s8mKnbUvgkdrCoyNBfbtoNOsHjMaAosOEALw_wcB&gclsrc=aw.ds have one for which I've…
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How should I sign over my flat to my son. He lives there, It’s always been known it would be his.
I am 50 so nothing to do with trying to avoid anything..I.e care home payments.... I continued paying the mortgage so I could hand it over to him.
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Pension or ISA?
HI, I have increased my hours at work so have a little extra monthly income. Should I put it into my existing savings (a cash ISA) or top up my teachers pension? I cannot pay any more into my state pension. Or should I put it into a shares ISA as I have none? Thank you in advance for your thoughts
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Worth sharing...
I really like the option on MSE where you can insert your details and establish if you can get a loan without needing to be Credit checked. I did this and was guaranteed a loan at 3.7% via MSE. I decided to apply directly to the company itself and was offered an even lower interest rate of 3.1%. Thought I would share this.
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AJW62 post
AJW62 at 60 years of age - you will not be able to get up to 50% LTV on a lifetime mortgage. You may be able to secure the funding via a retirement interest only mortgage and this would require affordability assessment. So this route would be worth exploring. But definitely rule out equity release as this will not fit the…
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Means testing and Care Home Provision
An enquiry on behalf of my family. Care home financial support is means tested. Is it tested on the income/assets of the couple or the individual? For example if the spouse has their own income / property / savings, would this be taken into account? thanks in advance
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Hearing Aids NHS / Specsavers
Can anyone tell me if I can "upgrade" the NHS spec aids from specsavers by paying the difference for higher spec aids? many thanks
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Inheritance of £45k - what would you do ?
Hello All I'd welcome commentary from people (I'm aware that I can of course also ask an IFA but I do find the wide range of views on this board very helpful). It is likely that I will receive ~ £45k inheritance in 2022 (money is pending completion of probate etc). What would you do with this money ? I have ~ 4 years until…
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Retirement abroad and medical insurance
Has anyone made plans to settle outside the UK? It seems that private medical insurance is necessary for most of the countries where one would be likely to want to retire, and the standard expat insurers will either not quote for someone of such an age or the quotations are very high. There seems little point moving to a…
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Over 60s discount?
Does anyone know of any discounts or savings on offer for someone who is over 60?
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Lump Sums
Hi I have just received a windfall of £65k and I would like to put it away and maximise the interest until I retire in 5 years. Any ideas would be helpful.
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Free HEARING TESTS at home? Help
Hi all Sorry if this the wrong board for this question but I have trawled through them all!!! Anyway does anyone know if it's possible to get a free hearing test done at your home? I am disabled, housebound and 70 years old, I have done Google searches for this but have only found ones that you have to pay for (£90 + in…
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Retirement - Who do we tell?
My wife and I handed our notice in at work a month ago, and we finish up just before Christmas. We’re almost 59, and have been thinking about it for a while now. We know we’re doing the right thing. Who do we need to tell that we have retired? Insurance companies?, Bank? etc. We’ve no idea who, if anyone, we need to tell?
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Use advance date for Car Insurance switch?
If I used a date 21 days from now ( to get the best quote) for Car Insurance can I do this? I am currently insured and will cancel the current one at 20 days and pay the penalty so can switch midterm for peace of mind for the next year. I am 4 months into my current year.
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How much to buy out each other regarding properties etc....big headache!!
Hi all. I wonder if anyone can give advice as it's all a bit
of a headache! My ex-wife and I have been divorced for sixteen years but never
really settled financially. At the time of divorce, we owned two properties. A
property 200 miles away that we rented out was in both names, it’s now worth
£200k and has no mortgage.…
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Energy Bills
Martins advice is to do nothing, and go on the Cap. However, my present 2yr fixed term with SSE ends 10 Dec. New offer is either Standard at about 774 Pounds/yr -(est 65 per mth) or 3yr fixed v2 at 1072/yr--est 90 /mth. I'm a pensioner, 80 yrs old, on State pension only income. I'm very careful with my energy…
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Free Hearing Test at home?
Hi all, Does anybody have any information about getting free or inexpensive hearing tests at home? I am 70 ,disabled and housebound and have googled but can only find home visits from about £95. Any information at all would be appreciated. Thanks
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Self help thread. I am a widow coping getting on with it
Just wanted to put this thread on to replace the missing one. Worried that some people who have been following the old thread might really need it sometime and won't get the support they need/want. It has, and still does, help me.;)
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How to find the right Financial Advisor
I want to find out the different options available to me, and I'm not sure who to approach to ask for it. I currently live in a house that's joint-owned with my husband. My late parents have left a house jointly to my 3 siblings and myself. My husband has health problems and it's very likely he will need to go into…
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Downsizing - am thinking about - how have others done downsizing?
Large 4 bedroom house but in a desireable location next to a park with view over a man made lake. But am thinking of ridding myself of stuff and looking to move (possibly). How have others approached downsizing - what are the tips? What are the pros and cons? Did family approve? If not how did you mitigate this?
