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Rail card
A friend will be 60 soon - if she buys a Senior Citizen railcard can she use this to obtain a 30% discount each week on her commute on Northern Rail trains? She buys a weekly ticket every Monday morning.
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Retirement flat management fees
I am considering moving to a retirement flat, as I can't manage my small house owing to ill health. I am on a very low income, but I have savings. I am hoping there will be some equity left from the house sale as the flat should be cheaper. However not knowing how long I might live, I might run out of capital/savings in my…
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Which Frozen Meals for the Elderly?
I am looking to set up a supplier of frozen ready meals for my elderly mother. My research has taken me to several supplier websites such as Country Home Foods, Wiltshire Farm Foods and Oakhouse Foods and all seem to be very similar in what they offer. I have not been able to find any websites that give any reviews or…
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When do I stop paying National Insurance?
I have a state pensionable retirement age of just under 64 years, does this mean I will continue to pay NI contributions until then? I've got a feeling that they won't stop at 60 - anyone know if I'm right?
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MSE News: Funding concerns over elderly care
"The Government is failing to adequately plan for the care needed by our rapidly ageing population, says a new survey ..." Read the full story: Funding concerns over elderly care
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Free travel for Londoners over 60 from November
Boris has kept his election promise! See http://www.tfl.gov.uk/corporate/media/newscentre/metro/25005.aspx ETA Applications being taken now https://photocard.tfl.gov.uk/tfl/got...us60&from=home
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At last! Something to look forward to in retirement
For once, I'm quite speechless
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Am I going mad or has something disappeared?
Did something happen to the thread about the son pressurizing his mother to leave her home? I know it rambled well off the subject but does that mean it has to be removed? Please tell me I wasn't imagining it!
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Paying for care at home
Hi, this is a cross between a paying for care question and IHT advice, so hope it makes sense. Basic synopsis is this. Elderly father with severe dementia and associated health problems. Elderly mother who was caring for him but has herself just had a stroke so needs care herself (how long unknown at this juncture). They…
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Widowed - do IFAs really sink this low?
My father passed away in July. leaving his whole estate to my mum. This week mum received a letter from an Independent Financial Advisor a couple of towns away, inviting her (in her name only) and "a guest" to attend a Wealth Management Seminar. Mum has never had any contact with IFAs in her life, hasn't changed any of her…
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Codicils to the will or just a "please give" list?
Dad died a few months ago. His will, and mum's, are on shop bought forms in their own handwriting. Both stated quite simply that they left everything to each other (28 days, blah), and then to me, their only child. No bequests were made by either of them. The estate is most unlikely to be liable for IHT when mum finally…
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Minimising private care home costs
Hi We are both approaching 50, have £280k net worth, roughly split 50/50 assets/savings, in reasonable health and DS 14. Savings are currently increasing at around £12k pa. It is our wish to pass on 99% of what is left to DS and have made wills accordingly. However, the possibility of future care may intervene and…
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Urgent Court of Protection Application help please - worried
Hi All, I am worried sick at the moment and hope someone can help. The situation is I took my mum into hospital 3 weeks ago as I was worried about her mental state, 2 days later she was diagnosed with lung cancer with several secondary brain tumours which have affected all of her faculties. She is going to be fast tracked…
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What can Executors do after Grant of Probate?
Hi all, Unfortunately I lost my Mother earlier this year and have been going through the heartbreaking process of sorting her estate out. Luckily Mum left a will so honouring her wishes in regards to what she wanted to happen in the event of her death should have proven relatively easy – but then I meet a solicitor!! I…
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question on service charge for wardened accomadation
I am writing this in behalf of my mother. Mum is 60 years old. She is currently on incapacity benefit and higher rate mobility due to a variety of health problems. She recently moved from a council house to a council-owned wardened flat. Theres a £14 a week service charge to be paid on top of the rent (she is entitled to…
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LPA Propert & Finance and trustee-HELP & ADVICE
I have LPA for my mother- in- law. I have used this in recent times to start managing her financial affairs. [She as mild dementia]. I have been successful with every organisation and used to sell her old home without problem. However, one financial organisation HQ in Bristol is refusing to recognise the LPA. Stating that…
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Signing over a house.
Just looking for a bit of advice if possible. Tried last year to get a mortgage to buy my parents house. After being accepted the mortgage company changed their mind. Came to a private agreement with my folks so they could move to Spain but I pay them an amount monthly as opposed to a mortgage company. The time has come…
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Transfer of title deeds
Hi, My elderly parents own their own home and there has been much debate recently over care home costs etc. I'm aware that their property and I assume any savings they have will be taken into consideration and used to pay for any such care they would receive if they were to end up in a home so my question is if I asked…
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Please help MSE test new Cheap Wine Discount Finder tool
If you've got five minutes we'd really really appreciate your help testing out our new tool and giving feedback. All info in this thread (reply there too please): https://forums.moneysavingexpert.com/discussion/4207415
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Will and Trust Fund.
Both parents died in recent years. Simple will left equal split between me and my brother. Main assett to divide is a house. Although a fifty fifty split my half is to be put in a trust fund to generate an income for rest of my life. Due to my age and low interest rates i doubt i will receive the same benefit compared to…