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Do banks do a cheque guarantee card without it being a debit card?
Not sure if this is in the right place but my 88 year old MIL has had her bank cards used by some low life to the value of £2000 and still counting. She only ever uses them as cheque guarantee cards and even then prefers to use cash. I know the banks used to do these cards - but before I suggest she asks for one (she has…
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Quick heads up
Just posted my recent experience(s) with Smile/Saga Credit Card services on the Credit Card forum. Might be helpful/interesting to some
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Car Insurance
Can't believe the increase on OH's car insurance annual payment. We joined In Tune, a combined LV and Age Concern insurance scheme 2 years ago with a very good quote for car insurance. I expected it to be like others and increase rapidly after the first year. Well last year it rose by 5% but still cheaper than anything…
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Care-home fees for respite care, advice please?
Hello, I'm hoping for a bit of advice for my Mum (and myself I suppose). Gist of the situation is this:- Dad has alzheimers, lives at home with Mum as his carer. She gets carer's allowance at the lower rate, although has now applied for higher rate due to his deterioration, and been granted this to start from August. Mum…
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Great bumper sticker
Hello pension ............ goodbye prssure
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Financial Assessment for a Care Home
Does anyone have any experience of a Financial Assessment before going into a Care Home. My MIL and FIL need to go into a residential home. They will not qualify for financial help from the council as they have savings over the £23k threshold. Approx 15 months ago they gave us some money for some home improvements and my…
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Paying for Care
The front page of today's Observer has a report on how long term care of older people could be paid for. http://www.guardian.co.uk/society/2009/jun/14/older-people-health-inheritance-levy [threadbanner]box[/threadbanner]
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equity release Good or Bad?
Hello there, this is my first post and i would like a bit of advice for my Mum. When my dad died my mum purchased her council house with the money she received from this. any surplus money she gave to charity as she deemed it blood money. 20 years on she is time rich, but very cash poor. She is now talking of releasing…
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FUTURE PLANNING - ie FUNERALS
I've been told it might be a good idea to come and ask over here for advice about a little worry that has been/is niggling away at the back of my mind. My parents are now ill and elderly - so one of these days (not forever in the future) it will fall to me to arrange the funeral/wake for them. I doubt I will have the help…
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The process of probate
Does anyone here know about what happens when one applies for probate? I seen information somewhere to indicate that the probate people ask you to fill in a family tree - as in giving details of brothers and sisters of the deceased. Is this true? Also, has anyone heard about placing an ad in a paper so that anyone looking…
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Advice needed for a low cost funeral
My Stepdad died today and my mother wishes to do the cheapest funeral you can have. Who are the best undertakers etc? We don't want to be ripped off and only having a very small funeral. Is there anything you can claim towards costs? What is the procedure?
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Over 65 or coming up to 65 make sure you have got your full tax allowance.
See: http://www.bbc.co.uk/wales/x-ray/sites/allarticles/updates/090624_tax_codes.shtml
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Which? launches will writing service
http://www.ft.com/cms/s/2/0b266888-72f9-11de-ad98-00144feabdc0.html £89 a pop, backed up by solicitors.Could prove very popular.
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Continued care funding help needed please help
My dad is in a care home , CHC was applied for by social services without our family knowing, the care is costing £1400 per month from my dads private pension that he saved hard to put away during his 50 years as a succesful business man. My mum is skint and on anti depressents and I am recovering from a nervous breakdown…
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Help for disability?
My Mom is 70 and needs new knees, but because she also has a breathing problem (not sure what it is maybe asthma but could be PBD) the Hosp won't operate at present. My Dad is 75 and in good health. However its getting difficult for my mom to get around. My parents have savings and a very small private pension (not enough…
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House deeds in deceased Father's name
My Father died last year and my Mother is still living in the house they have lived in for 40 years but the deeds are in his name. He did leave a will (with everything left to my Mother). We are unsure how she gets the house deeds changed to her name now and she is worried about having to pay capital gains tax or…
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Pension Forecast/Home Responsibilities Protection
Hubby retired recently and just for the sake of it I decided to get a pension forecast for myself (age 55). Discovered the NI Contributions Office had 'lost' 15 years of my Home Responsibilities Protection. The onus was on me to 'help' them find it, apparently their records are destroyed after 10 years! Thankfully I was…
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what type off flooring for the elderly
my aunt wants a new floor in her hall .she want a wood /laminated floor but as she walks around in her bare feet is this the best option for an 80 year old .
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Tax help for older people.
Stumbled upon this site. Members might find it helpful. http://www.taxvol.org.uk/index.htm "How much does it cost? Nothing, if you have a household income - you and your partner together - of up to around £17000 a year and you are close to 60 or older. Those caring for an eligible older person, whether family, friend or…
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Power of Attorney
Both of my parents are in their late eighties and are now finding difficult to handle their finacial affairs.They both have a number of bank accounts and investments. They recently asked me to take over the running of their affairs. I decided the first thing to do was to have a Power of Attorney document, so I contacted a…
