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Residential home financial assessment
My grandad was in hospital for a while after a few falls and was then transferred into a rehab bed (in a care home). After being there for 4 weeks he was then admitted to hospital and is now medically fit for discharge, however the doctors and nurses believe a care home is the next step and we’re waiting for a social work…
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Deprivation of assets
So I've been reading up about what some councils consider to be deliberate deprivation of assets when deciding whether one would be eligible for state funded care in the event that I need it. I can understand gifting/ selling/ transferring deeds. But on the list is also gambling and "living extravagantly" I was just…
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LPAs
I am finally getting around to looking at this aspect of my 'closing down' plans! Quick question: I am amazed at the price discrepancy (usually in the hundreds of pounds) beteween 'Billy's LPA Services' and 'Ripoff Solicitors LLP'. Is it like conveyancing, where using a High St solicitor generally means they give it to a…
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Equity Release
My wife had to take out an IVA due to a failed business. The IVA company are now forcing her (us) to take some kind of equity release loan as additional payment, so I am wondering what would be the best option. My wife is currently 55 years old, I am 63 and on the brink of retirement. We were not expecting this bombshell…
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Pension credit (your appropriate amount)
when and how often does the appropriate amount change (ie) go up?
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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…
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Retirement properties and Digital Voice
Moved to Broadband group.
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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…
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Gold bullion and bars
Anyone know best place to sell gold?
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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…
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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…
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Dyson sale
Just thought I’d share this https://www.ebay.co.uk/e/_electronics/30-off-dyson-2408?_sop=12
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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…
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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…
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The Telegraph
How did the subscription grow to £189 annually? It started out at nearer to £100 a couple of years ago.
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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.…
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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…
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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.
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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?
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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…
