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Tenants in Common, Wills with Trusts and Powers of Attorney
I have just recently retired from work and in my late 50s. I have been in discussions with a financial advisor who recommends for I and my family (wife and two children over 18) to consider having a Tenants in Common agreement, have the Wills with trusts and to have Powers of Attorney. I do understand the perceived…
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Road traffic accident payout - how to invest?
Hello - I have just joined this forum and am looking for advice about how to use / save / look after an insurance payout after a RTA that happened 3 years ago. I have PTSD and physical injuries that are likely to continue to give me problems for the foreseeable future. I can no longer drive and I am only working 2 days a…
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Specasavers advance hearing aids
Hi all I’m seeking advice from anyone who might be able to help. My mum (85) bought some advance hearing aids from specsavers last September. She paid £1500 for them and they have never worked properly for her. She’s been back and forth with them having them tweaked and still they’re not right and now the left one has…
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Moved: New Ebay payment usage
This discussion has been moved.
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Moved: HMRC missing records of national insurance contributions
This discussion has been moved.
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Advice on sewing/reading lamps, please
Dear all - hope this is the right place to ask. I used to do a fair bit of sewing, cross-stitch/soft furnishing but have really struggled in the last few years as my eyesight has deteriorated. Nothing serious, just anno domini... I am considering buying a lamp which I hope would help. Any thought/recommendations? I have…
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Contested will when no probate?
If a will Is leaving only money and the amounts are below the limits the banks require probate for, what would happen if the executor distributed the will as instructed but at some point later it was contested? would there be a time limit to contest a will that did not require probate? I know it’s 6 months for most…
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Future Pension
My sister is 55 and looking ahead requested her future pension figures from her previous employer. They have come back as a little over £6,000 per annum at age 60. She is now worrying about her financial future - is there any advice as to what she can do now, she works part time at the moment as a dinner lady in a school.…
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Retired persons Bus pass
My wife reached 66 and retirement age in Nov 2020. Because she isn't any good with laptops I have the job of applying for her. We live in Greater Manchester and I have accessed the GMPTE web site. I have downloaded the application form and noticed that if she wanted to add train and trams to her pass, she would need to pay…
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inheritance
I have just received some inheritance when my mum died in January of Covid. It is 60K. I live in a council house and have a 19 year old daughter wanting to get on the property ladder I was wondering if I could buy a small flat using the inheritance and get a mortgage for the rest and she could pay me rent not a lot which…
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Anybody using NHS hearing aid?
Hubby very reluctant agree to try NHS hearing aid to his lt ear. He has some hearing loss but still in denial and says he can hear ok. The problem at home is the tv is loud. Today he got his hearing aid the one with the thin tube behind the ear. It is Oticon BTE and finds it very fiddly to put on and hear whistling sound…
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estate value for Inheritance tax ?
Is the total value of the estate declared for inhertitance tax purposes before or after funeral costs have been paid ? TIA
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Reduced VAT rate of 5% for over 60s on energy saving measures
I have been unable to find any reference to this on any of the forum's boards so hope it is useful to folk. We were about to pay for internal insulation with VAT levied at 20% when a friend alerted us to the HMRC guidance which states that contractors can levy VAT at 5% for those who satisfy the social policy conditions,…
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Annual heating allowance, not arrived
We are slightly concerned our annual heating allowance from the government, has not arrived in bank yet, despite letter arriving 5 weeks ago.
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How to contact HMRC for a hard of hearing elderly relative with no internet access
I have been trying to change an address for my relative for more than 2 weeks. Ideally she wants to fill out a form and return by post. She does not have internet access. There is no postal information on any of the latest HMRC letters. I called the HMRC helpline, went through the extensive menus which routed to a…
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Using the government's Money Claim On Line (MCOL) service
I was thinking of using MCOL to claim repayment of a £450 deposit paid to a company in respect of a small double glazing job that was cancelled within 7 days "free of any charges". However I have seen some horrendous reviews of the service on Trustpilot alleging rank indifference and/or incompetence of the staff. Is MCOL…
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My Over 50's Spending Diary
I have been with MSE a number of years and each year I have become better and better at making sure that I spend my money wisely. I find that recording the savings I am making no matter how small reminds me that if I take care of the pennies the pounds will take care of themselves. Littlewoods Clearance bargains via eBay:…
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Power of Attorney advice [Moved, please delete]
[moved to a more appropriate suited sub-forum for this topic, please remove.] Hi guys, My mother is trying to sort out the /not so nice/ business of wills after my nan isn't around anymore. My nan hasn't made a will but my mother is her unofficial carer and takes care of her bank to pay bills/care home. Ideally a POA is…
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Open University, Student Loan, Pension and Work Income
Hi, I'm looking to fund Open University study with a student loan. My situation is that I am 58, in receipt of an occupational pension and have income from employment, my wife also has a job. So both during my course and after I will have a total income over the earnings threshold for repayment of the loan. My questions…
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Transferring money to my account
Hi My dad has a terminal illness. His money will go to Mum.in his Will Not enough assets for IHT. Mum wants to transfer money from Dads account to my account. Is this allowed? Thanks.
