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A new job - any ideas?
I just wondered what jobs anyone over 60ish has taken recently. I don't mean a continuation of your lifelong career but something different. I left my career at quite a senior management position after a life in local govt and the NHS a few years ago and since then have had a variety of jobs - currently in a shop, admin…
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Ending of age allowance for pensioners in budget
The tax system is to be "simplified" by phasing out the age allowance for over 65s. So when personal allowances go up for those under 65 in April, the age allowance will be frozen and, as there will not be an increase in line with inflation the following year, cut in real terms. It will be frozen until it reaches the same…
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how does financing care homes work
Please can you help. We are moving to England and our mum feels she needs to move into a care home. Her house is in trust so I believe cannot be used for care home costs and she has a small amount left in her savings account. She has a substantial pension which may cover her home costs but what if it doesn't. Is it a case…
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Granite Memorial Stone
I am not sure where to post this request. I need to purchase a dark grey granite grave stone and kerb memorial for my parents. Funeral directors hand out brochures and place the order with a company that actually make the memorial with a considerable mark up. There is no control over what I will actually receive until it…
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Temporary or self-employment and Pension Credit
I am in my mid-sixties and receive State Pension, a tiny occupational pension, Pension Credit Guarantee and associated benefits. I don't want to return to full-time or even part-time permanent PAYE employment - been there, done that for well over 40 years - but I would like to earn again, after having had a couple of years…
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Deferred payments for care & estates
If someone has received care under a deferred payments scheme and has bequethed their house to child1 should the debt against the house also go to child 1 or should it be settled along with other debts before the residue is shared out among the other bequests?
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Surrendering assets to save Care Home fees
My first post . Please help me understand. I see loads of inquires on here along the lines of the title of my post. My honest (not trolling) question is : Why would ANYONE give up their assets now in the hope of avoiding care home fees in the future? Local Council ("free") provison will be BASIC to say the least and the…
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more poa
I am in the process of trying to get POA for myself and dh. The prices vary so much. I have been quoted as much as £700 for the 2 of us. I have been told that it should be about £130 each. There is a site on-line WM power of attorney specialists. They charge £90 +vat per poa. Has anybody heard of these and are they…
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cost of a will
we have a will ,written about 30 years ago. It is fairly simple .the wife and I leave everything to each other and after death to our two sons. We now wish to have a new will.the difference being that the executors will be our sons and not the HSBC bank. Can anyone give me an idea of cost ?.we live in central southern…
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tv license while my Mum is in respite care
My Mum went into respite care a week ago, for a period of weeks to months, I've only just thought about the tv license and that I might not be covered. I live in her house with her, and she gets the free oap's license so I'm normally covered by that, am I still? What about council tax?
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Care Home fees and savings - a slightly different query than usual
Hi, I'll keep this as brief and as clear as possible: 1) My FiL has moved to a care home just over a year ago (self funding). 2) His only child is my lovely wife and has financial PoA. She is the sole beneficiary in his will. 3) His house is sold and all assets are now in cash in a savings account. 4) His total assets have…
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Health Checks ?
We're a couple in our mid 50's and over the past 6 months have seen TWO friends of the same age die (one 3 months after the diagnosis of cancer) and one literally felt a bit "off" one day, went to bed in the afternoon and died in his sleep. As you can imagine, this has come as a wake-up call for us. One option we're…
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Life Insurance
I'm 57 and my partner is 58. We have no life insurance so thoguht we should at least be covered for funeral costs. Any recommendations on these over 50 life covers? My partner has diabetes so we probably wouldn't get the "normal" life insurance
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Beginner golf set
Sorry, no idea which forum to put this on! Can anyone recommend a beginner's golf set (with bag) for my son. Price around the £200 mark. Thanks.
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FoI
Dose anyone know how much it would cost to get all documents from the council relating to one of their tenants please:T:T
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How do i help
hi i am a carer for someone with early dementia who is finding it hard to shop. Still has some very good memories likes what they like but doesnt want help yet. Looked on line for shopping reminders besides lists . You can have a good conversation with them but likes everything in routine but buying double all the time.…
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Fixed rate pension introduction brought forward
It appears the government has decided to bring forward the introduction of April 2016. To qualify I believe the number of NI years has been raised from 30 to 35. Does anyone know what will be the position for anyone without the necessary NI years? I need to review whether to buy additional NI years.
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silly q, interest on big savings??
really silly question, sorry. My mum (65) gets about 12000pa in total of what she says is tax-free income (from ex-husband, pension and Disability). she recently sold her house and now has 70000 in savings. does she have to pay tax on the interest? we are trying to work out whether we were stupid to put some in an ISA?!
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Adivce please
My wife and i have just turned 60 We would like to alter our will giving our 2 children 25% each and we own the other.If either on of us passes away the other gets to stay in the house. I understand that to avoid inheritance tax we have to live for 7 years after making the will.Any advice would be helpful.
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Dental Problems
Not sure if this is the correct thread for this post, but would like some advice regarding an elderly aunt that needs dental work, her dental sent her to teaching hospital as they would not do the work on NHS, the reason she was sent to the teaching hospital was because she got osteoporosis and the dentist said it would be…
