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Pension Credit
My Mum is just about to apply for pension credit as her state pension is around £65 per week. I believe that this would entitle her to the Guarantee Credit part of it. She is 61 and lives alone after a recent sepration from my stepdad I read that she may also be entitle to council tax benefit- does anyone know whether this…
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new boiler please?
just like to ask what conditions are there for applying through warmfront etc, for a more efficient boiler .. it is roughly 15 yrs old my father is 66 & working/receiving pension and mother is on DLA, we already have double glazing + door (paid ourselves) and the council have topped up our insulation, we dont have cavities…
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Stroud & Swindon offering 5.54% saving acc
For the over 50's
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husband diagnosed with MS - advice please
My husband (aged 49 - I'm 55) has just been diagnosed with MS. We have a four bed house which we can sell and downsize to a bungalow, which would help reduce the mortgage (finishes 2013 unless we can pay it off quickly) and also pave the way for when he needs easier accommodation. We also have an apartment in Spain (with…
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How to avoid Spam e-mails
Spam is an absolute curse, I know, I used to have loads, now I never get any (or none that I can't instantly cut off). How to avoid it? Here is a suggestion:- I get my internet connection from BT, its not the cheapest, but it has been very good for the last three years. When I first got it I had to get an e-mail account…
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Arthritis & Laptop
Hi, Like many folk I have arthritis, at the moment bad flare up in my hands I use a laptop and was just wondering if anyone knows anything that helps? I am trained typist (honest - though many years ago) some say this makes things worse??If I'm in the wrong place please move me!! Many thanks in advance.
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Me or my Mum?
Evening all, I am 26 and currently live at home with my mum who is 54. At the moment, the phone/gas/electric/sky bills are under my name and come out of my bank account. What I am planning to do is change the TV Liscense, Council Tax, and Water biils into my name and use my bank account aswell. Now I know the TV Liscense…
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Belgium or France?
Hi all, I'm hoping for a little advice/info please. I'm going to take OH on a day out to France or Belgium, mainly to stock up on some Xmas goodies. As this will be our first ever trip for this purpose, can anyone advise if we can both bring the recommended amounts of duty-free items back through customs or not. Any other…
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Care homes - how save money & give more to grandkids?
Hi, I wonder if you can tell me a bit about UK care home costs (and money saving!), eg. 1. Is there council help for paying for them? 2. Is that means tested? 3. What is the threshold (approx) of personal savings before you must completely self-finance? 4. What happens if you self-finance then use up all your money - do…
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Should the minimum wage be acceptable for people over 50 who have other income?
My sister is 61 and has taken her old age pension at 60. She would like another job (she had to retire at 60 from her last one) but finds that some employers expect her to accept the minimum wage because she already has her pension. This applied to jobs where she would have to take responsibilty for large sums of money as…
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iht nil rate bands
How do you word a will to ensure both the husband and wife use their IHT nil rate band pls For a normal will "I leave everything to the wife / husband etc there will only be one nil band Confused
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Glucosamine
Please I am sure a lot of members in this forum take glucosamine. I believe, they are made with shellfish. The reason I am asking is that my blood cholesterol came very high 8+, I eat very healthy, not over weight and exercise and doing the right thing and still cannot understand why it is so high. I am wondering whether…
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Discount for Knitters!
hi everyone, I am a keen knitter, and have found a lovely website called https://www.kokobino.com [think i have spelt it right!]. It is a bit pricey but i bought a £20 item. Better still, they gave me a promotional discount NS0107 which will get you 15% off your order. Happy news if you like knitting!:beer:
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Advice re moms pension
Hi there hope you dont mind me picking your brains about this.... My dad died 22 years ago, my mom hasnt worked since 1973 and claimed widows pension for all these years. She is 60 next year and has received a letter today saying she will have an old age pension of £20 odd per week (her widows pension is currently about…
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Escaping the winter
Does anyone have any experience of going to warmer climes for three or four months to get away from the cold weather? Is it better to look for hotels or villas/self catering? What are prices like? Where to go? Some favoured summer hotspots seem to be quite cold themselves in winter.Is adequate heating a problem? Any good…
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savings interest rates
I'm no good at working these things out so could anyone with a maths brain tell me what the difference would be over 1 year if investing £2000 per month at 5.5% (Coventry 60+ saver easy access) or £24000 up front at 5.45% p.a (Icesave and ICICI bank) I suspect the latter but what would the difference be? raldaman
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Scams
Martin is doing on superb job on money saving - but perhaps a new area to look at is "Scams" where we are all vulnerable - e.g. being asked to ring certain 090 numbers - not only "you have won"??? but more cryptic and devious messages &c There is a wealth of useful information on Scams at p.24 https://www.silverhairs.co.uk…
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Over 60?
Hi My OH and I are over 60 - I have retired and get a pension, and husband is working to 65. I wondered what discounts or freebies we could get - I get free prescriptions and bus rides. That's all - what am I missing?? ( not entitled to any state benefits/credits cos Husband working. Thanks Vicki
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How Much Can I Earn?
I am due to retire early next year (before if poss as I am finding my current job just too much in every respect). Since I will only receive the State Pension I shall still need to work (preferably less hours or a lower paid job) but I'm not sure if there is a limit on how much I can earn while receiving the State Pension.…
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Mother turns 60 in December...
As a birthday treat for both my parents i am taking them to the Algarve on holiday (in April next year). I began to think about what where the pros about being 60+. My mum says something about the Government helping towards winter costs ie gas. But she insists you must apply in November and as she is 60 in December she…