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Free bus pass under threat?
http://www.dailymail.co.uk/news/article-1204607/The-bus-pass-means-test-Middle-class-millions-lose-right-free-travel.html Should be means-tested, local govt commissioned survey claims.
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Pre paid funerals
Hello, we are just embarking on a pre paid funeral, a friend of ours recommended this she had paid £1200 four years ago and her husband died last year and the cost had gone to nearly twice that, but the price is held however long it is before you pass on. The rates vary dependant on what you want, but it is roughly £2500…
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Help re :money from Will
Hi there hope someone can help. My mum is about to inherit approx £40k. She is 68 years old and has never had any money before so to inherit a sum like this it will change her life. She has a small interest only mortgage of £12k (currently being paid by housing) and gets pension tax credit and council tax paid for. She…
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grandchildren living with you
for the past 7 years we have been bringing up our oldest grandchild, and for the last year our middle grandchild. our youngest stays over at least 3 night a week and comes round after school most days so give him his tea, what do you think is a reasonable amout to be paid for caring for the kids bearing in mind my daughter…
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moving a relative into a care home out of area?
Hello, things are pretty bad with my nan who lives alone in a 3 bed (council) house, we think she has dementa but is going down very very quickly so we think she might have yet another UTI. She isn't coping at all, to cut a long story short shes not happy where is some (sometimes, other times she wants to stay) and its…
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Previous experience of local authority grant application
Hi all, Has anyone any experience of managing the grant application for a general repairs grant or similar from a local authority, in hindsight would you have used one of these non-profit project management orgs to handle it? Basically, the council has provisionally agreed to fund a number of repairs such as rewiring of…
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Shares in Lloyds TSB
We have a number of shares In Lloyds TSB, now this was supposed to be a very safe buy, now we donot know whether to cash in or stick, seeing the news today makes us wonder, ie selling parts of the bank off, but surely they will have to pay the shareholders a reasonable sum. We paid 50p for the shares. Thanks, oap
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Best Way to Save for Grandchildren?
Hi, I want to invest £10 a month for each of my four grandchildren aged between 4 years and 8 months so that they have a lump sum on their eighteenth birthdays - their parents have child trust funds for them but I dont like the thought of putting all our eggs in one basket! Equally I dont want to just put it into a savings…
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Having the kids round this Christmas?
A man in Scotland calls his son in London the day before Christmas Eve and says, “I hate to ruin your day but I have to tell you that your mother and I are divorcing; forty-five years of misery is enough.” 'Dad, what are you talking about?' the son screams. “We can't stand the sight of each other any longer” the father…
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Cashback option makes care fee annuities more attractive
http://www.ft.com/cms/s/2/d45f6554-db83-11de-9424-00144feabdc0.html Money back if death occurs within 6 months. Providers are also offering interim loans to allow more time to sell property.
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Coucil Powers for Assessing Savings
Hi All, More advice appreciated if it's out there! If a council carries out a financial assessment for care home costs, how can they find out about savings. The house is obviously an asset they can see, as with bank account statements etc. But if someone has some national savings certificates are the council actually able…
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Deprivation of Capital / House Improvements
Hi, My mother is currently in hospital and may or may not be able to return home again due to disbility, she is 86. She owns her own house outright, which is currently falling into disrepair. Neither my mother or myself have the funds to repair the house, e.g. re-roofing etc. The house has been roughly valued at £160K in…
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Joint life insurance best deal?
Does any one have any experience dealing with insurance companies? I would prefer to receive something should we both survive at the end of the term when we are 80 in about 16 years time. opinions most appreciated. seb
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Tidying up family photos etc
There comes a time in life when it is a good idea to do some drastic tidying. Most of us have been through the trauma of going through a loved-one`s possessions either when they become unable to cope or have passed on I decided to face facts head on and a few months ago I started on the family trees. That is now completed…
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Shares in Bradford & Bingley
What do I do?
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Council requesting third party top-up for care home fees.
My BIL's father has been a council assisted resident of a care home for some years. The original care home placement was arranged by the council social services and no additional 3rd party top-ups were required. The council have recently approached my BIL for a third party top-up payment which he cannot pay due to recent…
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Top Up Fees - Or not....???
A bit long, I'm afraid. After my mum died last year my dad had to go into Residential Care. He has a brain disorder that affects his speech (sometimes) and his balance, making him unstable. Apart from looking in on him, and helping him have a bath, his needs are few. When he entered the home, it was an awful time - mum was…
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voluntary visitor service?
Can anyone refer me to a voluntary body that can have someone visit my very elderly relative in a care home (west Fife in Scotland) and whom we can then phone to see how they are. We live abroad and some arrangement needs to be put in place. Any contacts much appreciated.
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NHS CHC fee reclaim :deadline looms in Wales
http://www.guardian.co.uk/money/2009/nov/27/reclaim-nhs-care-home-fees-wales
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Equity release?
I'm looking for some info on this, I have a problem, having inherited a house from my aunt, which I want to move to, but I am all assets and no cash, as my savings have had to go towards paying the Probate expenses. Houses in my area are not selling at all well, but as I have no mortgage I was hoping to release some cash…
