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How to suggest it's time to hand over the car keys?
Has anyone had This Conversation with anyone recently & how did it go? Are there any phrases that help, or that lead straight to disinheritance?! I honestly cannot leave it for mum's GP - who blamelessly doesn't seem to get out of the surgery let alone see how the patients travel. Mum's had an unexplained fall & is often a…
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Mums house being sold for care but she has now passed
Hello My Mum passed away on Friday, she has suffered with dementia for many years so this has been a blessing. Her property was taken over by the local council late 2016 to be sold to help costs of her residential care. The question that the family has now is that the property has not sold (not worth a lot plus a leasehold…
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Funeral Plan alternative
Hi All, Sorry if this question has already been posted but if it has I cant find it. I'm 53 and am now having to consider planning for my funeral, but the problem is I just cant get myself motivated with the plans currently available, where the pay out is less than you pay in. Anybody know of any alternative plans or…
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AVC Allowance allowance £40K
Hi all I would like to boost my LGPS pension pot by paying in most of my salary. I understand I can pay in up to £40k pa and can carry forward my previous 3 years of under used allowance . How does this work does year 3 start with 40,000 minus payments from year 4 ? Just want to ensure I start at the correct point ? Many…
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Obsessed with saving!
My wife and I are in our early 60's and for the majority of our married life I was, and still am, the sole wage earner. We have always been comfortable, I've never been particularly materialistic, not interested in flash cars and luxury homes. We have managed to save, and these savings/investments together with a good…
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Audible 12 month Christmas Present
Lucky me, my wife has bought me an Audible 12 month contract for Audio books. This is perfect timing as I have exhausted the audiobooks I like that I can download from my local library. Do any of you have tips and tricks to get the best value out of my membership with 12 credits. Thank you.
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Identity Documentation/proof for over 85's in UK?
My Grandmother is 95, I'm having issues helping her with tasks that require proof of ID. E.g. Picking up missed parcels from the post office. She doesn't have: - a valid passport - driving license (she wouldn't qualify now) - she doesn't pay council tax (therefore no council tax bill) - bus pass She has two utility bills…
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POA query - Scotland
I have POA for my DM and mainly use it for financial stuff - she's aged and frail, mentally on the ball though very deaf. Now I need a new certified copy of the original document for another organisation. It won't accept an emailed version of my own copy. Rather than have our solicitor photocopy and certify I am hoping…
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Question on Funeral Plan or Funeral Insurance
My Brother and his wife has taken out a funeral plan a few weeks ago. He has asked me for advice. It seems to be a savings plan with something called Installation fee tagged on which boosts the cost by around 50% over the ten year saving plan. [edit - this is to allow for inflationary costs of funeral expenses]
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Struggling with indecision
I am at a time in my life when I want to make the future easier to cope with, but am struggling with the present! I am in good health, been retired 11 years, despite my username. DH is about the same age, but in less good health, arthritis, type 2 diabetes, well controlled, angina. He went back to work twice and has only…
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Winter fuel allowance
Anybody had their winter fuel allowance yet? Are we getting it this year?
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How much pension is needed?
So I have checked some pension projections, and seem to be on target for some index-linked pensions amounting to about 7,500 p.a., in addition to the full state pension. Is that enough for a home-owner (mortgage paid off), or should I be building up a private pension pot as well?
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Who pays for social care ?
If an elderly relative were to move in with us - after the death of a spouce ? Do they base the amount of social care on the savings that the OAP has or do they base it on our savings or a combination thereof ?
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The Dreaded Dentures...
Does anybody in here have experience of flexible dentures please? They cost £400 so I want to do some research before going ahead. Only need 3 front teeth on the top one, to restore my :D
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Universal wealth management ( Inheritance planning company) closed down
The collapse of an inheritance planning firm that has left dozens of clients fearing for their life savings is being investigated by police. Universal Wealth Management ran seminars called Keep It In The Family, in which they promised to protect people's assets from inheritance tax. The Ipswich-based firm also promised to…
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Current account interest
Current account interest rates. The latest information I have been able to find goes back to 2009. There must be more current information, where can I find it?
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golden market
Hi My mother is 78 and got a call from a company called Golden market, over a period of two weeks she gave them £1000 which they said they would invest, I hadn't heard of the company and have now found out it looks to be scam, she has tried to get £500 back which they said she could have the money back at any time, they…
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over 55's travel group
Someone has suggested to me that there are over 55's travel groups, for active yet retired people, that take an extended holiday together during our winter months. Can anyone help with a link please. Many thanks
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Future Finances: Time vs Money
:wave: Hello I'm a long time user of MSE and used to have a diary on the MFW board (different user name). These boards are just such an incredible source of advice, information, support and inspiration that now we're moving into the next phase of our lives, I find myself returning more and more and really feel the urge to…
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care Home fees, can I retain the family bungalow
My Mum owns 50% of her Bungalow, the other half is owned by my son as trustees (following the death of my father a few years ago) and the trust allows my mum to live in the property while she can and wishes to. I used to live with my mum, moved in with her when I became a Widower 3 years ago, the set up helped both of us,…
