-
FIL with Dementia - What help should MIL get?
My (ex) FIL has severe Dementia to the extent that he doesn't know anyone around him or where he is, has become quite violent, and cannot be left alone for a moment. My MIL is really struggling to cope, and so far has had to manage more or less on her own (with some help from the family) except for brief respite breaks…
-
HSBC Regular Saver Account
Martyn Is this worth doing? I have both a salary and a pension - the monthly pension is greater than the HSBC Regular Saving account maximum (£250) As I am able to save this amount each month and won't require the money for any other purpose, I am looking for the maximum return If I open a standard HSBC current account (no…
-
elderly relative living far away
Sorry this is going to take some explaining. We live a 5 hour journey( each way) from MIL which means that any visits are a minimum of 3 days, usually more, and DH goes on his own. Also he often arranges it so his daughter who lives equally far away goes there at the same time. It used to be approx 5 times a year when he…
-
Is a will sufficient without changing title deeds?
I wonder if anyone can offer advice here. We were married last year both in our early 60's. 2 houses no mortgage, lovely situation so we decided to sell both. Unfortunately 1 sold and 1 didn't which after a long time we decided to rent out - we took out a small mortgage on the 2nd one so we could go forward with a new…
-
Internet banking & password
I just wonder whether anybody has any tips regarding remembering account number and passwords for internet banking esp if one has several accounts? Being OAP, our memory is not so good, my husband finds it hard to remember all the passwords etc., he does not do online banking and has to rely on me but I am worry if I am…
-
funding in old age some boroughs more generous than others...
Each borough offers different funding options for people in old age? some areas of london are relatively generous others aren't . apparently boroughs work very independently so you could be in a borough where you will have to sell all your assets to get carer help others don't do this to you. Anyone know what it is like in…
-
wills and tenants in common
Having read a lot of info on here re wills and tenants in common we are thinking of rewriting our wills and leaving our half's of the property to our children, however there is some talk of potential pitfalls to this, if our children inherited half the property and then went through bankruptcy, divorce, child maintenance…
-
Petition For Savings Tax Relief
Hi, Have noted your recent “Petition to Gov for transparent relief for Savings interest etc and have signed up for this. Another suggestion for a further petition; Given the fact that the Govt appear to be assisting virtually everyone with their ongoing “bailout” packages it seems to me that it would be useful if prudent…
-
Senior Railcard - check out Disabled Person's Railcard
If you've been thinking of buying a senior railcard then check to see if you could qualify for a disabled person's railcard instead. One of the elegibility criteria for a disabled card is 'wears a hearing aid' you have to provide evidence in the form of your NHS hearing aid battery book. Senior Railcards cost £24 to get…
-
Will done over 1 and a half years ago, going to probate..help?
HI All I am not over 50 but i know there have been a few threads on wills etc in here and was hoping you could help.... Please bear with me, some of this may sound rather vague but there's that much to remember it's hard to get it all down. My partners father passed away over a year and a half ago now, he was terminally…
-
PlEASE HELP US TEST NEW PENSIONS CALCULATOR
Hey folks, If you've got 5 mins to spare, we'd love some feedback on a new quick calcualtor we've put together All the details are here Thanks! Dan
-
Power of Attorney
Does anyone know the best and cheapest way of setting up a Power of Attorney. Can you do it yourself, need a solicitor or whatever. I gather since the law changed it is far more difficult and expensive so if anyone can assist I should be grateful for any info. Thanks.
-
Lasting Power of Attorney/Enduring Power of Attorney
My husband and I made out EPA's in1996 having been told it would give the attorney the right to make all decisions on our part if we became unable to do so , in 2007 the company who made out our wills and EPA's sent out information that if we did not have EPA's then we would soon need to make out LPA's.. We were told that…
-
Probate
Unfortunately my oh and I are down to one parent each. While both are fairly healthy, we have had to start thinking about life without the. On both occasions of our other parents death we have not been activly involved in all of the paperwork Could someone please explain how Probate works and what we shall need to do? I am…
-
Advice on power of attorney
One of my mums elderly neighbours, many years ago, gave me joint power of attorney with her solicitor. She has now had a stroke. She has two adult children. When she signed power of attorney to me, they were only students and I was older than them so she gave it to me. The solicitor says we now have to register the power…
-
advice re nans rights to live in own home
Hi, im just after a bit of advice from people who might have been in the same situation or work in the care industry, i have to warn you though, i disowned my grandmother almost 10 years ago after a childhood of abuse from her, im not a bad person but i honestly hate the old hag so if any of this comes across as cold or…
-
Joint tenant with mum - does she need to make a will?
I have a mortgage as a joint tenant with my mother. She has always buried her head in the sand and won't make a will yet. If she doesn't make a will, will the property automatically go to me after she dies? This property is my only home on which I pay all of the mortgage. Does that also mean I don't have to pay inheritance…
-
national insurance contributions
Can you clarify for me the position on N.I. contributions ? I am over 60 years of age,have a home in France, but am back working in the UK fo a 6 month (at least) which totals 189 days. The 2 tests for residency sem to be 1) Main residence/home 2) Time spent in the UK i.e over 185 days" If I am classed as a UK resident…
-
Rowntree Foundation publish options for care funding
The Joseph Rowntree Foundation have published suggestions for reform of the care funding system. Summary of report here. http://www.jrf.org.uk/media-centre/UK-care-system-implementing-reforms Main proposals are: The four proposed interim solutions are:* Equity release, allowing older homeowners to pay for home-based care…
-
inheritance quesry(ies)
Dear all i am not sure i am post this in the right plce at all, so apologies in advance. I think me and my sister are in dire need of help. we both live in Uk, however we originally from Italy. this week our mother passed away, living just the two of us. and we don't know where to start. she got a house and a martgage,…
