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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…
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How do you administer a tenants in common trust
My mother in law died several months ago and as she was caring for her husband we have had to move him into a care home. They had a tenants in common will and their house is now being sold to pay for care home fees. Only half the property now belongs to my father in law and the other half will sit in trust to be inherited…
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Lasting power of attorney v Court of Protection
I had an interview with an officer from the Court of Protection this afternoon with regards to my mum. He said that if anyone had a lasting power of attorney and the person it concerned was unable to make decisions for themselves, they would still have to get a court of protection to take care of their affairs. But my…
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Senior railcard
Hi, Not sure which forum to post this in, but, Does anyone know of any deals on Senior railcards?
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NI payments and retirement
Hope I'm in the most appropriate section :) My wife reaches her "revised" pension age in August. We've been told that she does not have to pay National Insurance from the start of the new tax year in April. If that is true (and it seems to good to be....) can someone point us to where we get whatever form she needs to get…
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Care home fees, money running out.
Hi guys, this is my first post, so please be gentle with me! Oh, I hope I've posted in the right place also! My mother-in-law has been in a care home for the last 5 years due to her having a quite severe double stroke. When she first had the stroke my wife and I decided that we would sell our family home and also my…
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Savings and advice
Hi As from april I am told I will get pension credit as no longer due to age get income support as a top up on CA, so would I be any better off if I kept with CA and then I suppose they would top up with PC , so my money would be the same . or give up CA and stay with PC. The main thing is how much savings can you have if…
