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Yet more stealth Tax
Yet another stealth tax, if you’re in receipt of the Married Couples Allowance. After querying a reduced tax coding notice with HMRC, I received the following reply. Quote. “Your tax code has been reduced this year as the 10% lower rate band has been abolished last year; because of this a restriction has been included in…
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How long to start receiving deferred state pension?
Hi Can anyone who has recently started drawing their deferred state retirement pension tell me how long the process takes from first contacting Pensions Service to receiving first payment. I assume there is some exchange of correspondence while calculations are made, you are told options and asked to make your choice, etc.…
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Savings for Silvers.
Can anyone recommend a savings account (not an ISA) that gives a bit more interest than what's generally on offer at the moment if one's over 55 or 60? Perhaps we Silver Savers should spend a bit more and worry less about the future in this economic climate?
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Savings credit concern.
I have been getting for the last 5 years savings credit. This year the 5 years is up and and they sent me forms to fill in to see if I am still eligible. Well I have not had a reply off them, other than to say all is in order. I have not had a letter saying that I am ok for another 5 years, although I still get savings…
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Bus Pass Rip Off
I turn 60 in June this year. I already know that I am not entitled to my pension until September. Anyway I decided I would find out about my bus pass and guess what according to our local authority I won't get that until September either. Does anyone know if it will affect my free prescriptions. Any comments gratefully…
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Tax and NHS pension
My dad got £10 less a month from his NHS pension. I wonder whether it is because of the state pension increase. Give one hand take with another. With credit crunch and everything on the increase and yet no rise in NHS pension.
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FREE 10yr UK PASSPORT - SAVE £42 - YES FREE !!!!!! (Over 75's Only)
This is one for Martin's Money Tips ! I'm surprised it has not already been posted but I can find no reference to it. Then again it has ONLY been available since Oct 2004. OK this is genuinely a FREE 10 year UK passport (costs today £42) Right, there is a certain condition that applies and the vast majority of people…
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Advice on probate needed please
Hi My MIL passed away recently and FIL is having issues with the probate so I am hoping someone can point me in the right direction :D The house was in joint names so the house should pass to FIL - can someone confirm that for me please? All of the savings accounts were held in MIL's name as she did not work and only had a…
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Paying for Social Care
My husband is disabled and I am his full time carer. Apart from severe mobility priblems he also suffers from dementia and is unable to live on his own. I am not working; I receive Carer's Allowance. He gets Attendance Allowance and we live from the pension he gets from Germany. We also have two children, both in…
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how much is it for a carer
My grandmother has had a stroke causing her to have weakness in her left arm and leg at the moment she cannot walk but is in intermediate care so they are hoping that they can get her walking with a frame and get her using her arm more. I imagined that she would have to go into a resindential home but talking to the care…
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Skinflints and tightwads, are they bad or just mad??
I am not referring here to people who are thrifty, who “shop-around” and spend money wisely. I am one of those; and admire such people. We are talking here of people who are just plain “mean”. I’ll give you some examples. One gentleman of my acquaintance is in his early eighties and has loads of dosh. He spends as little…
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Fraudulent letter from solicitor?
Not sure this is the correct forum for this problem... This morning my wife received a letter from the solicitors dealing with her father's estate. He died three years ago. They detailed a payment they had received regarding a bond that had matured in October 2009 and enclosed a cheque payable to my wife. But then the last…
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My poor Nan has macular degeneration
My poor nan is 87 years old.She lives alone and is on income support.She has just been diagnosed with macular degeneration and has been told by her consultant that she could lose her sight at any time.She has been told she may benefit from having injections in her eyes.Unfortunately, these are not done on the NHS so she…
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Can mentally unwell person get full insurance refund?
My mother has schizophrenia, and I am the Court appointed Deputy for her property and finances. I recently discovered that last year she took out an insurance policy that will pay out a small sum in the event of her death. We agree that she does not need this, and I intend to cancel for her. But do we have grounds for a…
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For people over 66 years young - FREE TRAIN TRAVEL AROUND IRELAND
Hi all, For those who are over 66 you can get free TRAIN travel around IRELAND by using their GOLDEN TREKKER TICKETS. Go to www.discoverireland.com go to -'Plan your visit' scroll down this page and near the bottom on the right hand side there is a box with 'GOLDEN TREKKER' click on it and it will give you all the details…
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Pill organiser
Not sure if this is the right board but here's hoping. I have just spent an hour looking on the internet for a daily pill dispenser for my elderly mother. I can find seven day dispensers but only one daily dispenser and that's from USA and incurs incredible postage charges! To be clear - I need four little plastic 'boxes'…
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My pensioner parents and santander savings !!!! up
My elderly mum and dad sold their old house a couple of years ago and took the lump sum from that to invest and use this to supplement my fathers work pension which is pretty small. This is the largest sum of money they have ever had in their lives and while not fools they are not particularly financially savvy. In…
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SAGA Platinum Credit Card
Having read Martin’s email tips, advising that Saga’s new Platinum credit card is now commission free for purchases worldwide I decided to apply. Monday 12th April, I received a letter from the Allied Irish Bank [AIB] stating that: “We have considered your application in detail and regret that it is not possible to offer…
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cruising for little old ladies.
JOKE TITLE!! just trying to get your attention. Although the old man and I enjoy our travel and have been to many wonderful destinations, we have never been on a cruise. Really cruising just does not appeal to us but that is beside the point. My mother and her friend both aged 84, life long friends, who were both widowed…
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Is anyone else over 55 job hunting ?
I desperately need to get a job as I really can't live on my current income. Since being 50 (I'm now 59) I've had 3 good jobs in my professional area. The last one was a 2 yr contract that ended on 31 Dec 09. I never believed that the 'age-thing' was true until this last bout of job hunting- I've applied for jobs which, up…
