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Paying for funerals
I am looking into ways to pay for my funeral. I am 54, don't have any life insurance and have health problems which would result in higher life insurance premuims. Have done some research into over 50's life insurance no medical plans, but am not impressed. My gut feeling is to put money into a cash ISA and save. Although…
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Do not means test, bus passes petition
As there seems to be a passing interest in bus passes in this forum, thought i'd post this, in case anybody wants to sign it http://epetitions.direct.gov.uk/petitions/28908
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mom is losing hair over money problems
Hi forum, A bit of a background may be necessary to explain the situation my 51 year old mother is in right now, so bare with me! My mother raised me and my sister by herself, working multiple jobs until we were of working ages (I'm 36 months older than my sister). My dad left when I was 6 and I don't have any memories of…
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Retrospective Continuing Health Care Funding Reclaim Deadlines Act Now.
If you or a relative/friend were paying own care home fees and you believe the primary care needs were medical the government has imposed deadlines to make retrospective claim for repayment of care home fees under the NHS continuing care home funding scheme. If you paid for care between 1 April 2004 and 31 March 2011, the…
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DIY Probate
Does anyone have any experience of applying for probate without using a solicitor? How easy was the process and what problems if any did you encounter? My father passed away last month and myself and brother are the executors of his will, my mother is still alive, and because they changed their wills a couple of years ago…
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Continuing Health Care - Preparing to fight PCT's decision
Long Story so I'll try to keep it short. My MIL (age 84) was hospitalised for 7 weeks after a fall in July 2007. The family were advised to look for a care home as in their medical opinion my MIL could not return to her sheltered accommodation due to a high risk of falls and the council's care team being unable to provide…
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'Resigning' as Estate Administrator
My mother is Administrator for the estate of a relative. Everything is wrapped up financially now and all monies are ready for 'distribution', (there was no will & she did the application for Letters of Administration). However, my mother does not want to deal with this any more (for various reasons). Does anyone know if…
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HSBC and wills
apologies if I am in the wrong section. many years ago my wife and I had our wills done by our local HSBC branch. I failed to realise at the time but I understand they also became the executors. I am now aware of their prospective charges so my question is : have any of you been in the same position with HSBC and changed…
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Care Home costs if name not on deeds
Hi, I wonder if anyone can please advise:- My MIL lives full time in a care home, FIL still lives at home in their house which they own outright. If the deeds are only in FIL's name (and have only ever been in his name only, since about 1965, not transferred changed or corrected or whatever) does this mean that the house…
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Cost of home care for 88 year old
My Mother lives by herself in a Lancashire council house bungalow. She has recently taken a turn for the worse, has stopped eating and is very weak. She can just move around with a frame, but requires some home care, mainly for cooking and supervision. Hopefully this is temporary, but her problem may become clearer after…
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Brother to retain parent's house
Hi, Hoping someone has ahd experience of my problem and can share a solution or potential solution. My In-Laws have recently gone into a care home at the same time and this has broguht home to me the implications of funding their care and the almost certainty that their house will need to finance the fees until their…
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Power of attorney-household expenses
Hi I have sole LPA on behalf of my dad. I have been using it for a couple of months to pay my parents' bills. Dad gives mum some cash regularly to pay for their food and he would like me to do it on his behalf now. I keep records of what I spend the money on in the form of receipts and in an account book, however most of…
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Care for my mum
Hi, My mother is 89 and in very good health. I am planning what we might do, if and when she is not able to look after herself. I have not discussed this with her yet. Before I do, I would like to know what options are available for her and would appreciate your comments and suggestions. I am aware that one is entitled to…
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Wills and beneficiaries
Hi there. Grandmother has passed away. Her will only states to split house/monies between two sons... Nothing more, nothing less.I am power of attorney. uncle) has not told us anything about the will, final burial (have had funeral, waiting to hear about laying of ashes) or anything. Dad and I are worried that she will…
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Top five regrets
From the Guardian: http://www.guardian.co.uk/lifeandstyle/2012/feb/01/top-five-regrets-of-the-dying Bronnie Ware is an Australian nurse who spent several years working in palliative care, caring for patients in the last 12 weeks of their lives. She recorded their dying epiphanies in a blog called Inspiration and Chai,…
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Oh no 5 oh
Well I have finally reached the age where my kids say to me " its all down hill now dad". I will be 50 at the end of July 2012. OK, I have to accept it :-( so what benefits are there for people aged 50 & over, things like SAGA and others?. Any help or advice to soften the blow would be appreciated. Thanks in Advance
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Enduring Power of Atorney
Currently registering a Enduring Power of Atorney for MIL. Can MIL still sign cheques and Docs., after EPA is registered?
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Moving closer to a parent
I'm know this is one of those "that depends" questions but I'm hoping to clarify my thoughts! My dad lives an hour and a half drive (mostly motorway) from us. We speak on the phone every day and see him twice a week at least. He's 77 and fit and well. We have no ties in the area we currently live in and work in jobs that…
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Managing Mum's assets
My mum, who is 89, is finding it impossible to manage her financial assets, which amount to about £200 000 in various accounts. My husband and I have been moving the money around to get the best rates of interest but this is difficult as (rightly) the companies won't discuss my mum's accounts with me over the phone. My mum…
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Handling parents' savings
My parents are both retired and have been living abroad for several years. However, they have just told me that they still have a bank account in the UK with quite a few thousand in it. They have suggested that I might be able to put the money into a savings account in my name as they can't do it in their own names.…
