-
saga car insurance 60% no claims bonus
My mum has car insurance with saga. When she took out her policy with them she had 7 years no claims bonus. She wants to switch to another insurer this time but saga say they will only give her 60% no claims bonus. How or why can they do this. She knows she has 8 years no claims but saga won't clarify this in writing Is…
-
reduction on central heating installation????
Hi there, I have finally managed to convince my grandad that central heating may be okay after all, and that he doesn't have to live in a freezing cold house ;) What I want to know is: can pensioners get reductions on central heating installation? I had mine done and it cost me £3000, which is alot of money for pensioners…
-
Any Bonus for over 50's
silverlady=grey hair granny Does anyone know if there is a site giving information on benefits or discounts given to the over 50's or over 60's in shops etc B&Q Focus DIY Rosebys give 10% discount on a certain day each week but I'm sure there are many more. Can anyone help or are you all too young? Thanks
-
Writing a Will
Can someone suggest a will writing service or a web site that I can d/load a will pro forma from? thanks Simon Porter
-
Passing money on to the children
My mother (62) would like to know if there is still any way of passing property on to her children for them to benefit in the future, rather than being forced to sell later in life to pay bills for care homes etc should that arise. My mother has been ona low income of £3,000 pa for years as a single parent to us all and…
-
Small Stamp & Even Smaller State Pension
Just wondered if anyone can point me in the right direction go get more info with regards the national insurance small stamp (married women) and the pittance of state pension. My mum worked all her life, was advised to change to the small stamp and now finds her state pension entitlement is a pittance. I'm sure I saw…
-
Income From Savings
I am writing on behalf of my mother who is 70 years old. When my father died she was given a small pension which these days is next to nothing. £ 16.00 per month. She gets her normal state pension. At the moment she has £2000 tied up in 'granny' type bonds which give her a quarterly return. There is now £4000 in a Lloyds…
-
Selling property
I've just read a message from someone regarding an elderly person selling a £200,000 property and moving somewhere smaller. I have just inherited a property and was thinking of renting it out. However, it has been suggested to me that I should sell it, buy TWO smaller properties, and that will generate TWO lots of rental…
-
Pay lump sum off mortgage or not?
Am wondering whether to pay a lump sum of £15k off my £45k mortgage. The £15k is with Cahoot (5.5%), the repayment mortgage fixed rate of 4.25% for 2 years and in it's first year. Now I realise that I'll be paying more mortgage interest than I'll receive in savings interest so it probably makes sense to pay off a chunk.…
-
Tax Advice for Older People
http://news.bbc.co.uk/1/hi/programmes/moneybox/3674579.stm Everyone must ring the TOP helpline 0845 601 3321 to make an appointment. Not every Age Concern centre runs the one-to-one tax advice sessions. A telephone helpline service operates from the same number. The service is for older people on modest incomes, that is,…
-
dental charges-cheaper in europe?
I am visiting Portugal soon, would their dental charges be cheaper than uk ;D
-
Moat House discount
for over 50's; if you get a Vitality card from Moat house hotels - free, apply on their web site, you can get 30% off leisure breaks and 25% off food and drink in their hotels.
-
Long term care insurance
Just a quickie, Does anyone have any info regarding LTC insurance i.e. providers and approximate costs. Any info would be of great help. Cheers thedoc
-
Cancer Research UK offers a Free Will Service
This is taken from their web site Cancer Research UK offers a Free Will service. People are under no obligation to give to Cancer Research though it seems like a good idea. Give to a good cause and getting something for free. http://legacies.cancerresearchuk.org/how_to_leave/freewill_service.asp?fs=1 The Cancer Research UK…
-
Immediatelt Vesting Pensions
I am completely new to this - so I really hope I am asking this question in the right way! I have heard about "Immediately Vesting Pensions" as a way for over 50's to put the maximum annual contribution into a stakeholder pension (by getting the government to top it up to £3,600), then immediately 'vesting' this pension -…
-
Theres got to be more to the over 50's
Blimey guys.... Just read this section of the board and wondering if I am really over 50!! Surely there is more to being "our" age than talking about homes and pensions! We still like to go out like the "youngsters". We have snazzy mobile phones and all the bits and pieces that our kids have. Mrs Rumour still uses makeup…
-
sIMPLIFYING SAVINGS
Hi all First of all, many thanks to Martin - I have learned SO much from you!! I decided to simplify my savings. Heard someone on Radio 4 'Moneybox' recently (think it was Paul Lewis - any relation?) define savings and investments thus: Savings are up to 5 yrs, investments mid-to longer term i.e. 5 - 10 yrs. At 69 I can't…
-
Free Wills for over 55's
Cancer Research have a deal where they pay the solicitors bill for clients aged 55 or over who draft a will with a solicitor that has signed up to the scheme. There is no requirement to leave anything to charity & the scheme is called Cancer Research UK FreeWill Service. Their contact number is 0207 009 8833 the website…
-
Cheap Electricity and Gas
[/img]My mother is in her 80's and tends to have heating on a lot more than normal. I heard about Staywarm, originally run by Eastern Electricity whereby you can have unlimited fuel for a fixed amount. Although she has no gas she still managed to save 50% on her elcetricity bill each month, the cost being about £30 a…
-
Oldie magazine
I'm not a silver saver, but my Dad is :) He passes on his copies of Oldie magazine, very frugal of us. It was thanks to the Oldie that I found out about Martin and the amazing MSE site. I was also able to recommend Staywarm to my Dad, who is now saving £8 a month. Obviously this magazine is aimed at the more mature reader,…
