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Over 50s MoneySaving

Discuss MoneySaving topics for older people, including senior citizens' discounts.

Pension credit (your appropriate amount)
when and how often does the appropriate amount change (ie) go up?
LPA
To fall foul of deprivation of assets: "The local authority must show that you knew you may need care and support in the future when you carried out this action. It is therefore an evidence-based test of both foreseeability and intention" If I preemptively wrote a will or completed and LPA for health and finances would the…
Retirement properties and Digital Voice
Moved to Broadband group.
Inheritance tax query
I have a question about inheritance tax question which is really bugging me If I gift my daughter £500,000, and for the sake of argument this is above the IHT allowance threshold I have; I never married, I don't own a house to utilise my resident NRB. Without revealing my age, say I live to 100, which will exceed the "7…
Gold bullion and bars
Anyone know best place to sell gold?
Paying Council Tax on two homes
Hi I hope you can help. I will be working away and living on my own in a rental property during the week. I understand that I will need to pay council tax on this rental property and can claim single occupancy discount. My question is - can my partner claim single occupancy discount on the other house as I will only be…
Rodents
It was my mother's 95th birthday this Monday, just gone. She lives in her own apartment within a retirement block. She has a door leading to the garden that is often left open. She exhibits moderate cognitive impairment with many of the hallmarks of vascular dementia. Amongst her birthday presents, she received three large…
Dyson sale
Just thought I’d share this https://www.ebay.co.uk/e/_electronics/30-off-dyson-2408?_sop=12
Some scenarios
Hi all. My friends (married couple in their 60s) are considering taking out equity release. They have no children to leave assets to so saving money for that purpose is not needed. They’d like to still live in their home which is mortgage free but are unsure about certain circumstances. Say if they took out a standard…
Lasting power of attorney issue
Hi- I wonder if anyone can help with this? I have lasting power of attorney for my dad who has recently lost capacity due to ill health and unsure if he will regain this. I have registered this with first direct bank and now have access and can manage his finances. If I was unable to do this any longer however due to my…
The Telegraph
How did the subscription grow to £189 annually? It started out at nearer to £100 a couple of years ago.
DIY Will and Power of Attorney
Hello dear Forumites, I'm wanting to draw up a Will and a Power of Attorney and need your advice please. My estate and affairs are all very simple. I'm single, have no children and wish to appoint my two siblings as the executors and equal beneficiaries of my Will. And to also name them both as my Attorneys for the LPA.…
Changes to Power of Attorney
Hi, my Mum and Dad wanted my brother and myself as Power of Attorney, this was discussed with their solicitor, however our circumstances started to change and we asked for the solicitor to put it on hold for the time being, to cut a long story short my brother passed away and my Dad passed 7 months later, that will be 2…
TV license discount for sheltered housing.
I brought this up and was told that management tried but were turned down due to all customers not meeting the criteria and again after appealing that they would take off those customers still no. I don't understand what this means. Does anyone know how to find help with this? Thanks.
Lasting Power of Attorney
Hello, Can people give me an idea of how much it should cost typically for a Lasting Power Of Attorney document to be created please?
Downsizing or upgrading existing home? Thoughts...
I live in a really nice location but my home is in need of a total redesign. I am 70 ish, healthy, ok financially and wondering whether to downsize or spend money on upgrading existing home. My main concern is that bus service here is not good, but I could afford taxis. At the moment I drive but who knows when that may be…
Dementia television remote control
I have had previous help from this forum. My 95-year-old mother has been diagnosed as not having dementia. However, she exhibits many of the hallmarks of dementia and has macular degeneration. I have now seen to the clock, the microwave oven, the falls detector and the DECT phone. Now I have to look at the television. She…
Hearing Tests- High Street, NHS or Private
I need a hearing test and probably a hearing aid. The quality of my hearing strongly suggests that. I'd like to hear from those who have went down the NHS route or the Private route. There appear to be several options; use a High Street tester like Specsavers or Boots or ask your doctor to arrange an appointment for you…
Saga Magazine- Disgusted!
So, I buy a lifetime subscription to Saga Magazine in 2002 for a sum that I don’t remember ( It seemed a lot at the time) now they tell me that I can only continue to have a physical copy posted to my home if I pay them £29.95 per year. Otherwise I just get a digital copy. Digital doesn’t work for my wife due to sight…
Claiming French pension from the UK
I wondered if anyone has any experience of this? My OH has been through the process via the Newcastle Pension Centre for a small French pension he accrued a few years back. He has finally, after a very long time, received a calculation from l'Assurance Retraite, and also an Attestation d'existence form to complete. The…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Over 50s MoneySaving

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