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money in joint account
for Social security /pension purpose is all the money in a joint account taken into consideration or is it half the money ,50% belonging to each person .
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Writing a letter from beyond the grave
Another question about death – I thought I’d separate it from the other as its not really about money saving… I want to leave a bundle of info and instructions about bank accounts etc, (with a copy of my will) to simplify things if I die, and it seems wrong to do this without also leaving a personal letter expressing my…
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Panorama - Will Writers
Just a quick note to alert you that Panorama tonight at 8.30pm is on will writers. Called "Wills - The Final Rip Off?" I doubt it will bring up anything that folks on here don't know already, but it might be interesting to watch. There was an item on Breakfast this morning about it, and they tried to interview 2 blokes who…
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Please Stop Using Bus Passes - Transport Secretary
The Transport Secretary, Mr Philip Hammond, is appealing to better-off bus pass holders to leave them at home and pay the fare instead as this will help the country. I note that a recent audit of my local Councillors' expense claims revealed that a significant proportion of reclaimed taxi trips had been made at weekends.…
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Winter Fuel Payments - Qualifying dates
I was reading a magazine article on this and thought the following information might be useful. Qualifying For Winter Fuel Payments Winter Born on, or before 2010/11 5 July 1950 2011/12 5 January 1951 2012/13 5 July 1951 2013/14 5 January 1952 2014/15 5 July 1952 To qualify for the first time this year you have to be…
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Consumer Power: Have your say on annuities
The government announced in June 2010 it plans to stop the requirement to buy an annuity by the age of 75 from April 2011. Do you agree with the proposals? Do you think everyone should cash in their pension by age 75? Full details of this and other consultations in the Consumer Power! guide Let us know your views...
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Probate help
Could someone help with some probate questions please? My father passed away last week & my brother & I are named executors. The copy of the will that my mum has states that the estate is to be transferred to her. We have been told that DIY probate is pretty straight forward, so this is why I'm here :) My dad had a pension…
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Sign a house back to my mother
My Mother signed her house over to us in 2002, there are four of us, is it possible to sign the house back or get it reversed?
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savings on Water Rates
We just received our Water bill this week and for a change actually read the accompanying notes regarding how bills are calculated. Whilst it wouldnt be of great benefit to ourselves there may be ways you can reduuce your bill, apart from using less water, if you are in receipt of various benefits. The savings aren't…
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New technology.
New technology. At the age of 62, which today is quite young, I find the world of technology very exciting in particular the computer and the Internet. There are so many uses, basically all the knowledge of the world is at my fingertips and because of that my thirst for knowledge knows no bounds and the excitement it…
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Court of protection
Hello, I am wondering if anyone can help explain the rules etc of applying for court of protection or other ways accounts can be accessed when someone does not have the mental capacity. Basically i have a family member who has dementia and it has recently been decided that he does not have mental capaity to deal with…
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Warning to oap,s hiding money at home.
Hi we recently had an 80+ elderly relative in hospital.When we bought her home we decided to clear out food cupboard and fridge.A lot of outdated tin stuff was thrown away and placed in the bin and left out for collection the next day.We visited her today to be told that she had a money tub disguised as a tin of soup which…
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Just been told I need new hips!
I have just been told that my hips are shot. The background is that I am 54 years old and live independently, over the past couple of years I have developed a bit of a limp, I put this down to having a physical job and standing for 8 hours a day and walking several miles to boot. I have now moved to a more sedentary…
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Married Couples Allowance
Although I have paid tax all my life I am not very 'well up' in all the rules. I have always paid tax as a single person and when I married in 1995, I continued paying as a single person. My husband was also taxed as a single person, no dependants or anything. I am now 63 and have a state and local government pension on…
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Medical Insurance or Health Cash Plan for over 70s
Hi there I am new here so please be patient if I have overlooked a similar thread. My parents are 70 and 79 and although they are in good health, I would like to find some form of medical cover that is not ridiculously expensive. Quotes have been over £100.00 per month which I know will work out cheaper should anything be…
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Eligibility to NHS Continuing Care Funding?
My 86 year old uncle has spent two periods of eight weeks in hospital separated by nine days of self-funded care in a residential care home. After the first eight weeks, Social Services assessed his needs as 'low' despite the fact that he could not walk, was doubly incontinent, and had a urine infection. It did cross our…
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Enduring Power of Attorney prior to Oct.07
May I ask this on here: In March 2007 my Mother had an Enduring Power of Attorney executed and it was signed at this time. According to the Office of Public Guardian web site I as the attorney do not need to have this registered and indeed can not have it registered as my Mother still has mental capacity. However,…
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His she getting done by both sides.
My sister in law phoned me last night to tell me the following. About a fortnight ago she had a phone call, a woman on the other end sounded Pakistani, She enquired if she suffered from arthritis, Sister in law said she did woman on other end told her about a miracle cure for it. Cost £11.95 for a month supply. She decided…
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Live in Scotland? Be afraid
Disclaimer, I live in England, so anything decided in Edinburgh will not affect me However, the review of budget cuts in Scotland has suggested no "ring fencing" including, free personal care, bus passes, dentists, prescriptions etc. all are on the table for cuts or scrapping Perhaps a few chickens coming home to roost? Or…
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Is it worth saving £500 per month?
So, couple, in Scotland, if it makes any difference, over 65, whose joint income from pensions is £1300 per month and live in a house which has no mortgage. Just paid it off. Possible outgoings of £800 per month for necessities, food, CT, G/E, TV, Internet etc. so £500 per month to save and £17000 of savings. We could, if…
