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Sheltered housing and the energy discount.
I live in sheltered housing (Anchor) and charges for heating and hot water are included in the rent I pay. Charges for electricity I pay separately, to an energy supplier chosen by me. Is anybody else is in a similar position to me? I'm just wondering how this impacts the energy discount of £400 we've all been promised?
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Old will - still valid ?
Not sure if anyone can help but its worth asking before solicitors. Many years ago my wife & myself made a joint will and for the first time as we were all going on holiday without our son (he had just started working) this was back in around 1992 it is a simple will which leaves everything to the surviving spouse and then…
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Great 'What discounts can I get now I'm over 60?' Hunt - 2022
This is a new thread to carry on the good work of the Great 'What discounts can I get now I'm over 60?' Hunt thread now that it's 2022.
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Wealth
As one enters the twilight of one's life, I often ponder. What do we mean by wealth. How do you know you have died "rich" Is it the money in the bank? Number of homes you own? Number of descendants you have created? Number of people who are there to care and look after you in your old age? Number of people you have at your…
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Will amendment
Recently had a new Will drawn up with solicitor. Since then my daughters partner has left her, I had named him in the Will to receive all my tools, I now want to amend this and leave them to my daughter, i don’t really want to go back to the solicitor to amend this and have another fee to pay, I understand I can make a…
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Retirement nest egg building
If you had 5 years until retirement, with no personal pension but £5000 -£10000 to invest, what would you do? Pension or other?
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DIY LPA
Has anyone written and registered their own LPA?
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Handyman service
Age UK have a handyman service in my area of West Yorkshire. It's for over 60s for home owners and social housing. I've had a door chain ..key safe..and furniture moved for cleaning. Payment is required for materials. Worth checking your local branch
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Private Pension Tax
My husband is a non tax payer as his pension is under the £12500 tax threshold. He is 62 yrs old so has not qualified for his State Pension. My husband withdrew his full tax free 25% from a further personal pension plan he has in 2023. He plans to take a further lump sum in this tax year - Approx £7k. We understand that…
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Wills
My mother made a Will with a solicitor in 2010/2011. She has a receipt from the solicitor. She is now 95 years old and in hospital following a recent fall. She has age-consistent mild cognitive impairment but not vascular dementia or Alzheimer's. Before her fall, she wrote to her solicitor to see a copy of her Will. The…
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Deprivation of assets vs just spending as you go along
If I sell all my assets, turning it into liquid cash, and then spend it and gift to my friends and family to spend. And I mean SPEND, not invest into tangible assets. Like use it to live, see the World, savour Michelin star restaurants, experience VIP Taylor Swift concerts, enjoy relaxing massages and Spa holidays, play on…
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Wealth management
Whats size of estate (property, stock, cash, chattel) is considered large, and would be worth engaging with a wealth management advisor? Also how do they charge. Is it a fixed cost per advised or is it calculated as percentage of the estate value they are being asked to manage? thank you
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Bringing spouse from abroad
I am going to marry a USA citizen and bring them back to the UK. What will they be entitled to? Will they have any problems getting NHS treatment? Will I be entitled to the tax marriage allowance? Will my wife be entitled to any government pension or benefits? We are both in our 70s, and I have a full Government and work…
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Live in carer costs
Can someone tell me the ball park costs for a live in carer? 50k a year? Trying to work out how much money one needs to set aside in case of needing care but wants to avoid institutionalisation. Is there a current easy access price list someone can link
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care costs
Just listenting to this episode of you and yours. This poor couple have had to fork out £4k a month to pay for the husbands care. She has spent over £200k of their life savings to look after her husband with dementia. Yet if they had been a couple who either never worked, or spent every penny on luxury holidays or gave it…
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Support with home improvements
My mum is a pensioner and extremely budget conscious. She has gone most of the winter barely putting the heating on to save money and yet still needs to dip into her modest savings every month to make ends meet. She has recently discovered that her roof needs to be replaced and is very stressed as the quotes she is getting…
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Amex card for Airport Lounges
Does anyone use this facility at all please? How does it work? Which of the multitude of Amex cards do you need? Thanks.
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Property disregard - care fees
Does the ongoing ( not just 12 week) property disregard given because qualifying relative lives in the house as only home ever have to be re paid ? For example the property is disregarded for say a year then sadly death occurs and the relative living in the property inherits the property and sells it and moves on. Are any…
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Selling home and moving in with child
I am thinking of selling my home, owned-outright with my deceased husband(now mine), and moving in with my daughter and her teenage family. I think Ill get about 700k for my property and plan to pay my daughter some form of rent. I'm of good health and active, but aware that any money given to family is subject to…
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Insurance Renewal Time
The FCA might have banned dual pricing, but there can still be a loyalty penalty for renewing insurance policies. Pretty much every year, I have to waste time hunting out the best available deal on motor insurance (January/February) and household insurance (July/August). It's a pain in the neck, and I hate it. This year,…
