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Advice on best place for lump sum
Hi, I'm new to the forum and looking for some advice please. My mother has just sold her house, as she moved into an independent living complex last year. She is renting her current place and so the sale from the house will need to cover her future rent expenses, bills, general living and also pay for any future care needs…
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Pensioners' patchwork income
Now that I'm deemed to be a fully-fledged pensioner at last (ie reached that revised State Pension Age of mine finally) - I think I've worked out all the constituent parts of my income okay. It gets confusing when income isn't just coming in from one source (ie a salary payment every month into the bank). So - have I got…
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Possible Care Home looming, will the house be counted?
I have a young-ish friend who needs some advice, hopefully someone can help, or point me in the right direction to find the answer. My friend and her partner are 45 years old and live in England. 10 years ago she sold her home, her parents sold their home, and the 4 of them purchased a 6 apartment house to share. Her…
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Changes you have noticed
Now I am in my 60s I have had some positive changes like retiring, children all grown up (youngest graduated when I was 60) no mortgage but there are obviously some less positive things like needing glasses, needing cataract op but not bad enough yet (would have been a couple of years ago but guidelines have changed, at…
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Gifting money to relatives
I wonder if anyone out there can help confirm my understanding or put me onto the right track! My aunt is 90 years old and comfortably off with savings. She has recently had a health scare (aortic aneurysm) and it's made her think about her future. She has asked me (as her Power of Attorney) to make payments to her three…
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Halloween
Anyone else not answering the door tonight? I have given out sweets and been jolly every year but this year seems to be winding itself into something ridiculous. Last year I had groups with young children and their mothers, all with bags ready for sweets. Well not this year, door is locked, door curtain already drawn and I…
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Cremation? I don't want to pay
So I read something a few days ago about funeral costs sky rocketing & people on the dole not being able to afford it. This then lead me to "pauper's funerals" where the state pays. Even at the local cemetery if you just "wanted to be" cremated it costs like £600. Assuming you had savings when you died is there no way to…
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Is it possible to get better rates on savings?
I've cancelled this message.
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Forwarding letters
Can anyone tell me if it is still OK to forward letters to people who no longer live at my house by just changing the address and not affixing a stamp? I don't want them to be charged by Royal Mail ! Thanks for any replies
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Redundency Retirement and being 65
Next year I'll be 66 years old. Also, I'll be made redundant and will retire next year I live in private rented accommodation. There might be issues in relation to my home that will come from the landlord. I've had my heart restarted several times. My eyes have been operated on. Other parts of me have not been working…
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Nursing Care allowance delay
My father has been in a care home for 6 months now but has still not been assessed for the basic Nusing allowance for which he will obviously qualify. This is around £110 per week. We have queried this several times but the Home say that they are chasing the relevant department and have about 6 residents who need…
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Life Assurance for a very fit 58 y.o.?
Hi, Are there insurance companies that take into account someone's' fitness and genetics? My Dad is 95 and gardens for up to 3 hours a day, I cycle a fast 100 miles per week commuting to work. Thx.
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Supplements To Boost Immunity
Kittie, you mentioned avoiding the nightshade family foodwise in one of your previous posts. what is this? I am suffering badly with arthritis. I love having an orange last thing at night, should I be avoiding these for arthritis, also what about tomatoes? Has anyone tried a homeopathic remedy Rhustox for aches and pains,…
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Deed of Trust/Care Home Fees
Hi guys! Basic background; My husband and I are moving in with his parents and extending their home so they can stay in their home in their old age and we will take over the house (mortgage etc). They will have a Deed of Trust for the equity in the house at the moment and the house will be in our names. They will leave…
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Redundancy again aged 61
I'm posting here in the hope of hearing other people's views or advice. Bit of a background ramble (sorry), husband is main wage earner, was made redundant 7yrs ago, unemployed for 2yrs, and been in current employment 4yrs 8months. The company are making big changes, moving work to India etc. Some redundancies were made,…
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Perception of pain
I was just thinking today that my perception of pain has changed. When I was younger, if I was ill or in pain, I'd have no qualms about playing on it and looked at it as an opportunity to have a bit of a rest. Now that I'm older I seem to be going out of my way to hide it. I have worsening osteoarthritis and try to hide…
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Travel insurance confusion!
Hello I'm not experienced at all with travel insurance, so I wanted to check how common this was... I have booked a short break to New York for myself and my mother in February. I took out the insurance when booking everything else, as she is 69 with a few health conditions and I wanted to see whether that meant it would…
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W. H. Smith will pack
Just wondered if anyone has used this method to make a will, and how secure it is. We are just a couple, with two kids, and have no complex wishes. Just straightforward, if one goes first, other one gets the lot, then it would be divided equally between the kids. Don't want to seem a skinflint, but if this method is…
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Quote - "Cut pensioner benefits now, they won't be around by next election"
Absolutely speechless!! Has anyone else seen the speech by Alex Wild of the Taxpayers' Alliance at their meeting held at the Conservative Conference. Reported on the BBC news site. He advises government to cut the additional pensioner benefits (winter fuel, bus passes, etc) now as many pensioners won't be around at the…
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Helping elderly parents
Hi, hope there is someone out there that can help me. My parents are about 80 and not in the best of health. They own a property which is worth about £200,000 and there is no mortgage or any debt. The problem is they have enough money coming in to live, but the house needs some essential renovation. I am happy to "lend"…
