Q. I am a consultant surgeon and a member of the 1995 NHS Pension scheme. As I am more than 10 years from retirement I will be joining the new 2015 NHS scheme on 1st April next year. I have been sent a letter with my payslip about a “Choice 2” exercise, where I can… Read more »
Q. I have a Building Society Bond maturing at the end of December with a reinvestment option at an interest rate of 1.55% gross for a further year. This does not sound very good. Are there any better options? I am 72 and a non tax payer so I have been getting my interest paid… Read more »
Q. I have received an inheritance. Can I pay some money from it into my personal pension, in order to get tax relief? As I am 53, I will be able to access the fund in a couple of years, so it might increase the size of my fund substantially. A. This is one of those… Read more »
Q. I am almost 70 and have been a widow for over 20 years. One of my sons is living and working in the Republic of Ireland near Dublin and I am considering selling my house in England and buying a house near to where he lives. I am in no rush but am currently weighing… Read more »
Q. My mother, who is 78, needs to raise some money for a new central heating boiler. She has only her state pension with a small savings account, but she owns her own home which is worth £200,000, with no mortgage outstanding. What options does she have? A. The first thing to check is whether… Read more »
