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Transfer of ownership
My 82 year old mother has decided that she wants to transfer deeds of ownership on her property to myself and my brother to 'avoid paying care home fees as they have taken enough money off me in my lifetime and continue to do so through my pension'. She says that as I privately rent I should have the property to be able to…
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Do I HAVE to have underlay?
Sorry, couldn't find anywhere more appropriate to put this, but I am trying to save money. The thing is, I want to replace my stair carpet. But the shop won't sell me any without underlay. The salesman said I HAVE to have underlay and they are not allowed to sell carpet without it. Are they having me on, or is this some…
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Non-Residential Care Costs
Hi, My Mum is my Nan's carer. My Nan also currently has carers who come 4 times a day just to change her. My Mum is trying to find out if my Nan is being charged the right amount for the carers. She pays £830 a month. They only started charging about 10 months ago. My Nan owns the house. Currently almost all the money my…
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Will writting
Hi sorry if this is in the wrong forum but I cant find anywhere else it may go. My elderly father wants to leave a will ,he hasnt much but wants a few personnal things to go to certain people,he also wants me to plan things after hes not around. Are we able to do write a will ourselves and if so who can we get to witness…
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Council want to move aunt to a cheaper care home after 4 years!
My aunt moved in to a care home following the death of my uncle. She couldn't cope living on her own and went downhill fast. She chose to go in to a very nice home that had cared for other family members previously, including my uncle when he passed away. Aunt had plenty off money so the fees weren't an issue and she was…
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The problem was small electronic devices
At 60+, I have moved from full-time employment to part-time self-employment. In recent years, I have been having difficulty with many tiny electronic devices because of hand dexterity, hand pain and eyesight limitations. I never thought that my employer really understood my difficulties. Now that I'm an independent man so…
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60 + property - why?
Hi folks, I'm 62 next birthday and sometimes I feel like it, sometimes I don't! Today I went for an 8 mile walk with a younger chum and thoroughly enjoyed it. On the way back we swung by the old chocolate factory in Keynsham, which is in the middle of being converted into a huge block of flats. (Yes, the same choccy…
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Raise cash from house
I don't really like equity release for a number of reasons. It is difficult (if not impossible?) for golden oldies to get a standard mortgage. Has anyone ever considered / investigated whether it would be possible to arrange a BTL mortgage as an alternative?
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AgeUK/ Handicare feedback request
We are thinking of using AgeUK and their linked company "Handicare" to replace our bath with a walk in shower We had "Handicare" out last week for a quote which appears to be OK I am looking for some genuine user feedback from a customer - before I decide Anyone ?
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Nursing home fees following death of joint property owner.
A relative is joint owner of a house he and his wife own. His wife is moving into a nursing home to live, he is over 60 and will continue to live in the house. My question is, if he was to die would the LA expect at 100% of the monies go to his wife? In his will he is leaving his 50% to another relative, will this mean the…
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Personal rate of inflation
With my pensions rising by 4% this year, I wondered what the real rate of inflation was for me. I found an interesting personal inflation calculator here: https://www.rathbones.com/personal-inflation-calculator Interestingly, it gave my personal rate of inflation as 0.3%. I am sixty-two now and working three days a week. I…
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check your pensioner bond
If you took one out then check it for dates, my elderly friend just found out that he was scammed, someone intercepted the form and he lost the whole amount. He didn`t know until a few days ago and is devastated. Mine appeared in my bank account a few days ago
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Probate limits?
Thankfully my question does not concern me at present but will in the future and probably many forum users. Is the probate limit each financial organisastion uses the total held in that organisation or the total held in all financial organisations. Eg Santanders probate limit ( the amount before grant of probate is needed…
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Bond interest if you die?
I have a 2 year fixed rate bond with Santander. If I were to die 6 months in to it and the executor then closed it down would interest be paid for the time I was alive and held the bond? Thank you.
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Just wondering...what paid work do you do?
Dear all, after I downshifted from the lifetime career over 10 years ago now, I took on a range of part time jobs, one of which lasted 9 years, often several at a time. At one point I had 5 part time jobs, none of which added up to full time equivalent but I loved the variety and how my brain was kept in top gear! Now I'm…
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What is the avearge cost of a care package?
My mother lives alone and has been assessed by the council as needing care three times each day (to ensure meds taken, food eaten and the heating is working). There are no personal services for washing, foot care, or housework. She isn't taken shopping or to a day-care centre either. Don't get me wrong, I am very relieved…
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£10 Seniors Railcard?
Bought one last year on the back of my daughter’s Gold Season Ticket but station staff say no longer available? Money Expert site search suggests it is. Anybody got recent experience?
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Due a partial refund Power of Attorney fees?
Hi everybody, I’ve been a long term browser of this site, finally plucked up courage to join and get involved. Please be gentle with me - first time poster! Just a heads up really, I can’t take any direct credit as the information I originally got from Martin’s amazingly useful site. The Government has decided to partially…
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2018 It's My Time
Well l've decided to start this diary for me so that maybe in 12 months time l can look back at what l have or have not achieved. Let's hope it's the first and that when l look back on this post it's from the front seat of my camper some where warm. Small potted history - lost my DH at 50 but luckily he left me not having…
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Power of Attorney
I am getting confusing and contradictory information about this. My mother has dementia and can't cope with her finances. I need to be able to step in and pay her bills, her chiropody fees, her online supermarket shopping and numerous other things. POA would be helpful at the bank. However, some people say that it's too…
