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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…
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travel insurance
Am healthy apart from a bit of high blood pressure which doesnt need treatment however am now 66 and my Santander travel insurance has ended. I know that there is an MSE article on the subject but if anyone can tell me who is not too expensive for healthy older people for worldwide travel I would be grateful - I might…
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housing benefit after retirement
Hi there, myself and hubby privately rent. He is 62 and working full time.Does anyone know what (if any) benefit you get after retirement towards housing costs. I am really worried. At present we pay £775 pcm. We have some savings (under £20,000) but he will have to retire at 65 and will only have a basic state pension. I…
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Help for Lining Chimney
My mum had the chimney sweep around and he told her that the chimney needs lining. Fire hazard without lining. She's on pension credit, hence money is short. Is there any organisation that will do this for free or offer a grant? She had some work elsewhere in the house done by the local council's home improvement scheme,…
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uite a few health issues and need life insurance
Any recommendations for life insurance when I have health issues ladies and gents. I rang a broker today and explained I just want a term policy for about £10,000 to pay for my burial and to pay off debts etc. I wont go in to the health conditions but nothing alarming I don't think, as they are all well managed,well 2 hrs…
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Power of Attorney
Hope this is right forum. I am the executor of my mum's will but speaking to a mate whose mother died he said I should really get power of attorney as well. He was in same position and said it took months to actually get the money off the bank. I think he was saying that as executor it's my role to ensure the wishes are…
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Bus Passes
Why is this thread closed? I was talking to a friend today who had heard that the bus pass was going to be withdrawn in 2013. I was sceptical but checked my pass and yes it expires in 2013. I contacted a number of friends and theirs also expires in 2013 which made me think. Normally something as large as the number of buss…
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Brighouse Third Age Group registration day
Registration day for the Brighouse Third Age Group is on the 17th September 2012, click HERE for more details.
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Transferring from residential care home to nursing home
I would be very grateful if anyone could help with this. My 90 year old mother lives in a residential care home. A few weeks ago she broke her ankle, went to A&E, and was discharged back to care home. After 10 days she was admitted to hospital with low oxygen levels, dehydrated, blood clot on lung, water infection (kidneys…
