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Ashley Shepherd
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#Funeralcosts have been soaring for over 10 years, so it’s hard to imagine a bleaker picture; can prices really continue to increase any faster or indeed any higher than they have already? Well according to the International Longevity Centre (ILC), yes they can. 

A recent report by the ILC states that after decades of a falling death rate in the UK, things are about to be reversed as the cohort of older baby boomers reaches later life, which will in turn increase the death rate by 20% and as a result, this could push up funeral costs even further.

http://www.over50choices.co.uk/community/ashleys-blog/postid/262/is-the-funeral-time-bomb-about-to-explode
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Ashley Shepherd

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Today we got a mention in the Daily Mail - check it out here!
While funeral plans will cover the basic costs of your send-off, the soaring cost of funerals means they can be double the amount you’ve saved.
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Ashley Shepherd

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Why is 50 plus car insurance advertised as being cheaper?

Because, compared to your younger contemporaries, you are less likely to make a claim on your cover – so are less of a risk! This is because when you hit the magic age of 50, an insurer suddenly views you as being a more responsible, experienced driver who makes fewer smaller claims on their cover. This is also backed up by statistics!

This means that if you are fifty or over, you may be able to find a cost-attractive deal. 

You should note, however, that once you hit your late 60’s, your premiums are likely to increase again, as statistically, you are more likely to have an accident

http://www.over50choices.co.uk/community/ashleys-blog/postid/258/does-over-50-car-insurance-exist-or-is-a-marketing-gimmick
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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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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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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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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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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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Have him in circles
117 people
Key Retirement's profile photo
Klaas Joosten's profile photo
Kate Reid's profile photo
Peter Thomas's profile photo
Sixty and Me's profile photo
Russ Smart's profile photo
Sean Wilkins's profile photo
Funeral Directors UK Directory's profile photo
The Society of Will Writers's profile photo
Basic Information
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Male
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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.



 
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Over 50 & living the dream!
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