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Ashley Shepherd
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There is little doubt that being fifty plus no longer has the same connotations as it did even a few decades ago when being aged 50 or over was classed as old. Today’s fifty plus person benefits from the huge advances in medical treatment which means that we are living longer, feeling and looking younger, and are better educated as to how to take care of ourselves. 

Because we are living longer, it makes sense that we make sure our future – and a very long retirement – are all taken care of financially, so we can enjoy it without worry. 

This means giving your finances a complete review, as well as taking advantage of some of the great deals that are out there aimed at the fifty plus age group
Being fifty plus no longer has the same connotations as it did even a few decades ago when being aged 50 or over was classed as old
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Every so often something that little bit different comes along – a blip in the already widely varying continuity.

It was in a nice little housing development. The residents had barely been in their new homes for a twelve-month before their cul-de-sac was christened by the intrusion of bereavement and the consequent appearance of undertakers one Sunday afternoon.       

The four of us stood round the body lying on the garage floor.
“How old was she?”
“14.”
“Hmm. Not too bad an age then…as these things go.”
“No. We can’t complain.”
“Still a kicker when it comes though isn’t it?”
“Yep…”
“Are you going to stay out here, or would you prefer to be out of the way?”
“No, we’ll go back into the lounge and let you carry on. You’ll let us know when you’ve got the ashes?”
“Yes. We’ll get the cremation arranged a.s.a.p and we’re down that way again at the end of the week with a funeral so we’ll collect the ashes at the same time.”

It’s not the first time I’ve arranged a pet dog cremation and right from the outset I found myself immersed in a parallel universe laden with all the concerns of human disposal. The uneasy manner in which the small independent pet crematoria view their larger rivals is every bit the mirror image of the human funeral profession, as I discovered when a proudly small-time provider told me that if you leave it to your vet to arrange, the surgery will normally have a contract with a particular animal crematorium – often a large facility with wide geographic coverage, a fleet of vehicles and staff resources that enable them to offer competitive pricing.

http://www.over50choices.co.uk/community/ashleys-blog/postid/255/paws-for-a-moment-to-reflect
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If you are aged 50 or over, then the good news is that you may be able to source cheaper home insurance  - simply because of your age. There are several reasons for this:

• Many insurers recognise that homeowners aged #50plus   are less likely to make a claim on their insurance;
• And those that do claim, tend to make them for smaller amounts than their younger contemporaries.

In a nutshell, if you are aged 50 or over, you are viewed as having a more responsible attitude towards your home – which could mean you pay less for your home insurance!

http://www.over50choices.co.uk/community/ashleys-blog/postid/253/can-you-save-money-on-your-home-insurance-by-being-over-50
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There has been a great deal of publicity in recent months about the growth in popularity of what is known as #equityrelease  and how it can be used to free up some of the equity in your home to provide an immediate lump sum, to enhance your capital, your income or both. 

There is still some confusion, however, about what equity release actually involves, how it works, its potential benefits, the complexity of the process and just how much cash can be released. In this article, therefore, we will try to clarify all of those issues. 
There is still some confusion about what equity release actually involves so why not try the free calculator to get you started
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Ashley Shepherd

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Yes please!
Forget the Mediterranean diet or exercise, there's a new lifespan extender in town. This time, the secret to long life could lie within anti-ageing drugs, say scientists. New health research found that drugs which are usually used to smooth aw...
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Another great read from the #Cotswoldfuneraldirector  

It's strange how people’s minds work. I’ve got a young man working for me who often recoils at seeing people’s feet. Considering most people would regard a job in the funeral profession as being unthinkable, for my young chap it’s actually a career in chiropody that he thinks would be the stuff of nightmares. Personally I’m indifferent to people’s lower extremities and I can think of infinitely worse things than a pair of grubby, un-manicured feet.

http://www.over50choices.co.uk/community/ashleys-blog/postid/238/id-parade
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Ashley Shepherd

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You are never too young to make a Will – in fact, doing so may give you peace of mind that when you die, those that are left behind will be taken care of according to your wishes. 

Writing a Will isn’t morbid but makes sound financial sense – after all, you have worked hard for your home and money.  Knowing that everything you own will be passed on to those whom you want to receive it, in the event of your death, is sensible.

http://www.over50choices.co.uk/community/ashleys-blog/postid/254/considerations-when-writing-a-will
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So we now have a full set of energy price reductions by the big 6: here are the scores on the doors.

This downward movement in #energyprices has been brought about by the reduction in whole sale gas prices and some say this should have been done several months ago when they first started to reduce.

Some suppliers have of course purchased their wholesale gas on a forward price, meaning that reducing prices is more difficult as they will be committed to paying more for their gas: they did this at a time when wholesale prices were increasing significantly, so they tried to avoid future increases, as these recent reductions were unforeseen.

http://www.over50choices.co.uk/community/ashleys-blog/postid/251/cheaper-energy-bills-are-on-the-way
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According to figures released by the #FuneralPlanningAuthority (FPA), 147,325 were sold last year; that’s around 12,000 more than the previous year.

With funeral costs continuing to rise at an alarming rate, it’s not surprising to see sales increase by 9% as more people become aware that they can pre-plan their funeral and pay for it at today’s prices, saving their families the cost and emotional stress when the time comes.

I’m sure many of you have heard of the Coop funeralcare, Golden Charter and Dignity, but there are other FPA regulated providers such as Perfect Choice and Liberty who provide similar services, along with brand names such as AgeUK and more recently the Post Office.

http://www.over50choices.co.uk/community/ashleys-blog/postid/252/soaring-funeral-costs-see-record-levels-of-funeral-plans-sold
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You may have seen this story this week, but I am not sure that I would want to be buried in the back garden or buy a house with a body in one!

It would appear that another MP, Emma Lewell-Buck is trying to re-ignite ministers interest in the often forgotten but nonetheless serious issue of funeral poverty; warning that with some families already turning to pay day loans as a way to meet funeral costs, it’s only a matter of time before others start looking at ‘home burials’ as a way of controlling soaring prices.

The subject has been raised on numerous occasions over the past few years however appears to have fallen on deaf ears as the only source of financial support, the governments social fund funeral payment scheme has not been revised since its implementation in 2002. 

With the average cost of a #funeral more than £3,500 and the social fund funeral payment capped at £700, the few who are entitled to help still face a rather large shortfall, which is the sad reason why some turn to pay day loans.
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It’s the question many of us avoid but something we all should be thinking about as paying for a funeral will ultimately rest on the shoulders of our family unless we do something about it in advance.
 
So how much does a funeral cost - apart from the obvious answer of ‘too much’, what would you say if I asked you how much a funeral costs?

The startling reality as revealed in new research by funeral plan provider Perfect Choice is that two fifths of us under estimate how much a funeral will cost by an alarming £1,275!

So why does a funeral cost so much?
The cost of a funeral is made up of a number of different components; some of which are essential, others are more optional; some can be arranged by your funeral director where as others will need to be arranged by you in advance or by your family when the time comes

Image supplied by SunLIfe
What would you say if I asked you how much a funeral costs, 40% of people under estimate it by £1275
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Ashley Shepherd

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Whilst house prices have been soaring by up to 11.7% in the last year, so has the cost of dying, with an uplift of 10.6% in the same period

No prizes for guessing that with average house prices at £513,805, almost £240,000 higher than the UK average of £274,000, London is the most expensive place to buy a property in the UK. However in contrast, our capital is also the most costly place to die, with a funeral costing £4,836; nearly 35% above the national average.

http://www.over50choices.co.uk/community/ashleys-blog/postid/237/the-uks-most-expensive-place-to-buy-and-die-is-revealed
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Have him in circles
113 people
christiana merry's profile photo
‫هاشم ابوعليم‬‎'s profile photo
dayna gloriapm's profile photo
Josh Nichols's profile photo
Engage Mutual Assurance's profile photo
H Cornwall's profile photo
Karen Barrett's profile photo
janeliya rozariopm's profile photo
FinancialCorps's profile photo
Basic Information
Gender
Male
Story
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Over 50s personal finance expert
Introduction
After 30 years of corporate life in financial services, I set up Over50choices: an online company for the Over 50s giving them choices to help make better decisions.

We offer a wealth of information & guides, plus a range of comparison tools in order to find the best deal that meets their needs.

You won't find any jargon on the site, just good plain English, explaining your choices in simple terms.
  • Over 50 Life Insurance
  • Funeral Plans
  • Wills
  • Probate
  • Equity Release
  • Health Insurance
  • Travel Insurance
  • Home Insurance
  • Car Insurance
  • Term Insurance
You can also check out my Blog where I write at least 3 times a week.

Taking control of life.



 
Bragging rights
Over 50 & living the dream!
Work
Occupation
Managing Director
Skills
Leadership | Business Development | Marketing |
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