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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.
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Winter Fuel Allowance
Hello everyone, Has anyone received their winter fuel allowance yet? We received the letter a while ago, but it hasn't gone in yet. Last year it went in earlier even before the letter came. Thanks, Candy.
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Recommendations for steam cleaner for arthritic hands?
I am looking for recommendations for a gadget to help me with housework as I get older. I am not really wanting a steam mop and most of the gadgets I have seen are basically steam mops with attachments. I need something which is not too heavy and does not require too much pressure eg to hold down a button for steam. I…
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Winter Fuel Allowance
Bit early I know but I have recently split with my partner so want to ensure that I get the full amount this year who do I need to tell that I am now a single person household or do HMRC pick this up from Local Authority. Have tried searching online and couldn't fine any answers so wondering is someone knowledgeable on…
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50 something man seeking to save to retire before 60!
Hello, This thread is inspired by reading others journeys, and at the suggestion of ShyandRetiring. I have been a lurker and commentator on a number of the excellent threads on this Forum. I like the Pensions Board, this board and the Pet Board in particular. I have been given some excellent advice and had answers to many…
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How can I teach my over 60 parents to be better with money?
We've never had a lot of money growing up but my parents did everything they could. Now that they're older they seem to be spending more money than sense yet their income is less than it was due to my dad being signed off for medical reasons. How can I approach this sensitive subject with them?
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Increasing amount of cash.
Wondering if I should keep more cash at home in case Banks start restricting in some way our access to our accounts. Any feedback welcome.
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Hearing Aids - Specsavers
Specsavers Advanced Elite 39 R Li hearing aids (March 2020 after wearing them for one month). · Pros : o Excellent Speech in Sound o Excellent Spatial 360 sound location o Very good all-around performance o Bluetooth for music and phone calls extremely good · Cons: o Some occlusion with power domes o Specsavers provide no…
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Winter fuel allowance/warm home discount
I can't work out what my parents could claim for. They're in their 80's and are eligible for the winter fuel allowance because they get pension credit, but can they claim the warm home discount as well, or it it one or the other?
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POA and pension credit
i am needing to get power of attorney for my mum. She is happy with this. She receives pension credit. Someone in work said it would be free to get (in scotland) as she gets PC. Any advice welcome.
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Invigilating and Furlough
I work as an Zero Hours Contract state academy school Invigilator (mainly an occupation of over 50's) and also have a ZHC with a local company. When this all kicked off and Furlough came along I immediately looked at what the local company would have to pay me as, like any company, profit is very high on its…
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Sorry
I have moved my post as advised thanks
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Any help for urgent home repairs available?
We receive Guaranteed Pension Credit, are homeowners and need urgent home repairs. Basically, the drain which takes the kitchen waste water to a soak away at the front of the house (we live in the sticks), is blocked (probably by tree roots), and needs to be sorted. ATM, waste water is pooling around the gulley and going…
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Did you take out equity release to live your dreams once you reached 60?
Are you 60+ and have finally decided to live your dreams? Maybe you had to take out equity release on your home in order to do what you've always wanted to do? How did that work out? I'd love to hear from anyone who's managed to do this with a successful conclusion.
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Does mum need insurance for her stairlift?
Mum is 81 and lives in her own home (a council house) and is virtually housebound now having had mini strokes and onset of dementia. She got a second hand stairlift for free not so long ago, and today she asked me to look for insurance cover for it. What triggered it was a leaflet that was left after she had a minor…
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Beneficiary dies before testator ?
If a beneficiary dies before the testator and the beneficiary was one of 4 beneficiaries all left equal proportion of an estate , does that 1/4 go to the remaining beneficiaries, or to the next of kin of the deceased beneficiary ? There is no wording in the will what should happen in this scenario. Just I leave my estate…
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Trust deed and partial retirement
i have a trust deed - around 18 months to go. How long once its finished can i apply for partial retirement in scotland? Cheers
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85 year old with £2000 free money
Hi my mother sold her car and has enough free cash Floating about, so where would you recommend to put some of her money, she has no savings accounts, only current account with TSB ? Thanks
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Mortgage coming to an end, too old to get new finance, wants to transfer property to kids
Asking for my sister. Basically, their BTL mortgage term is coming to an end, and my sister's husband is too old to get new finance. They really want to transfer the property to their kids as the kids are now earning well and can take over the mortgage. It appears from other posts on this site that CGT is payable on a gift…
