Personal Finance for the Over 50s


Ashleys Blog

Who has the Best Energy Deals?
January 28, 2016
So you have read that shopping around for the best energy deal will save you money, but can you really be bothered and where do you start on your quest to find the best energy deals?  Firstly, let me tell you that switching energy suppliers will take you no longer than 10 minutes ...
Pension Changes – How Will They Affect Anyone Retiring from April 2016 Onwards?
January 27, 2016
The pension changes that affect everyone reaching State Pension age from 6 April 2016 onwards will replace the current state pension with a new single-tier, flat-rate pension. These changes to the state pension follow the significant changes to private pension arrangements that have already been instituted. We set out below just what these ...
The shocking truth about funeral plans!
January 26, 2016
Funeral plans are a simple and easy to understand financial product that buys you a funeral ready for when the time comes. Unlike insurance products that replace a lost item or provide a cash sum in the event of death, funeral plans provide a set of services that will be carried out ...
On The Road Again
January 15, 2016
I remember, during the earliest years of my career, my boss returning from a funeral and saying the cortege had passed the scene of a serious road accident involving a motorcyclist. By tragic coincidence, some days later we were engaged to arrange the motorcyclist’s funeral. He was only in his 30’s and his wife ...
Thinking about downsizing? Ask yourself these questions first
January 7, 2016
So you have lived in your home for many happy years but come to that crossroads in life that many face – the consideration of property downsizing. Whether it’s down to money or the fact that the family have now flown the nest, downsizing may seem like the obvious solution but have ...
How much is my house worth?
December 15, 2015
The simple answer is that in reality, most of us actually don't know. In fact, according to a recent survey by the Equity Release Council, 3 out of 5 over 55's haven’t had their property valued for at least 18 years and as a result are seriously under estimating its value.  The ...
Funeral Poverty
December 9, 2015
“The Cost Of Pauper Funerals Is Rising”, proclaimed recent headlines, along with a simultaneous shining of the journalistic spotlight onto so-called ‘funeral poverty’.    The cost of funerals is always enough to cause dark mutterings, calls for government enquiries and heated articles in the tabloids. But in a world now obsessed with labelling everything as a ...
Will the government pay for my funeral?
December 4, 2015
The simple answer I’m afraid is probably not.  Yes, there is a state funded Social Fund Funeral Payment system in place but it hasn't been updated for many years. So in addition to being extremely difficult to get your hands on, the average payout is only £1,318; compared to the average cost of ...

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Ashley Shepherd is an Over 50s Personal Finance Expert

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