Category: 2014 notices

September 2014 newsletter

Summary of meeting of July 16th ‘Top Tips from a solicitor’

Rebekah Hillman is a Legal Consultant or Probate Practitioner; she was joined by her colleague Daniel Mayman a Sterling and Law Independent Financial Adviser. Rebekah set out to talk for 10 minutes each on 3 topics: Lasting Power of Attorney, Wills and Trusts & Probate. Further information could be requested on each of these topics. Many of us signed for these; those not able to attend can request them.

Rebekah Hillman seated with Janet Shapiroew 003

“Lasting Power of Attorney” (LPA) has replaced “Enduring Power of Attorney”. The latter is still effective; although not registered when issued. For an LPA you need to name up to four ‘Attorneys’, people you trust to act on your behalf should you lose mental capacity; they would then deal with your property and bank accounts. Registration with the Office of Public Guardians gives protection to ensure that those named act in your best interests.

Another form of the LPA is for your health and welfare. In this you appoint people to make decisions about your care should you become unable to do this for yourself. There is also a “Living Will” – a statement about your preferences, such as whether you wish to be resuscitated, also to be signed by two people you trust. Prices vary for drawing up LPAs, but Rebekah quoted a charge of £395 for a pair of LPAs.

Rebekah’s next topic was making a will. She advised updating your will every 3 to 5 years. You should appoint an executor and make sure people know where the will is stored. (Probate will store it for a £20 charge, or the solicitor can hold it) You can name your children as executor, but if beneficiaries it’s wiser to nominate a solicitor. Note that inheritance tax is payable so advice may be needed for those owning property in London. There are methods of protecting assets, for instance part of the estate may be placed in trust. Codicils may be added to one’s will but everyone concerned should be informed.

Related to making a will was the third topic – inheritance tax. Some people use ‘Gifting’ to reduce the value of their estate. Only gifts made seven years before death are deducted from the estate. But remember that our savings may be needed to cover the very high costs of long-term care. At the meeting we handed out an article outlining the current situation regarding care costs.

The inheritance tax (IHT) threshold is £325,000; couples qualify for double that allowance. Various methods can be used to reduce the burden of tax upon your surviving relatives. Note that they have 6 months to pay the IHT, but can opt to pay by instalments. In some cases a bridging loan may be needed as the probate needed to permit the sale of a property cannot be awarded until the IHT is paid.

Esther warned us that funerals can cost around £2,000 or £3,000 so another way you can help your relatives is to arrange a pre-paid funeral; John said ‘Pay now – die later’. Pamela pointed out that ‘Green’ funerals are cheaper. Don’t forget that HPAG and the National Pensioners Convention – both short of funds – are deserving causes that could benefit. Mention these groups that campaign on behalf of pensioners in your will.

The meeting reminded us that professional advice is urgently needed and we should not prevaricate.

The contact details for Hillman Legal Partnerships Ltd. www.hillmanlegal.co.uk Office address: 91 Weston Park London N8 9PR 020 8340 3102

Note: At the September meeting Ann will be selling a 2015 calendar for £3.50 for the only cancer support group in Haringey.

National Pensioners Convention Pensioners Manifesto 2015.

(our group helped with this)

At the General Election in 2015 we will call on candidates to support the manifesto that was endorsed by the Pensioners Parliament at Blackpool.

The manifesto includes:

  • a basic state pension above poverty level, indexed to highest of RPI, CPI, earnings or 2.5%,
  • universal pensioner benefits,
  • a National Health and Care Service free at point of use and funded through taxation
  • a legally binding Dignity Code to improve the quality and standards of care for older people.

FUTURE EVENTS

NPC Transport Conference 18th September: book early!

At St Pancras Church Hall, near Euston. Tickets £5 each from the NPC office.

People’s March for the NHS. JARROW – PARLIAMENT

16 August – 6 September.

The organisers (a group of mums form Darlington) say ‘The NHS is owned by us and loved by us. We are a group of mums concerned and outraged at the assault by government on our most prized possession. Support for the NHS is growing day by day – we need our NHS so it’s time to join the thousands already campaigning together to keep it.’

Register at www.999callforthenhs.org.uk – donate either on the website or by cheque payable to ‘NPC Northern Region’, (on the reverse of cheque please write ‘999callforthenhs’) and send to: Bob Pinkerton, Treasurer, NPC Northern Region, 46 Long Gair, Winlation, Tyne & Wear, NE21 6QZ

For those greeting & supporting the marchers the timetable is:

March leaves Edmonton Green N9 9DX at 10.00 Sat. Sept. 6th, lunch stop 11.45 at Clissold Park, Stoke Newington N16 9HJ, arriving at Unite House, 128 Theobalds Road WC1X 8TN at 2.00. Our HPAG banner will be at Unite House; please join us if you can. The final rally will be in Central London.

1st October – International Day of Older Persons

On Saturday September 27th HPAG will hold a stall in Crouch End to publicise HPAG with leaflets against the means-testing of pensioner benefits and for Hetty Bower’s event. Please volunteer to help on the stall.

Peace & Justice Campaigner Hetty Bower. Join us on Friday October 3rd 7 – 9pm at Conway Hall, Red Lion Square.

TUC march and rally ‘Britain Needs a Pay Rise’ Saturday 18th October, central London.

NPC Lobby of Parliament on Wednesday Nov 5th

Thursday September 4th Public Meeting: Haringey Needs St Ann’s Hospital (HANSAH) at Chestnuts Community Centre, 280 St Ann’s Rd. N15 5BN. Barnet Enfield & Haringey Mental Health Trust plan to sell 2/3 of NHS land to property developers. But no health services assessment has been carried out to check that the land can be spared. [email protected]

‘Senior Citizen Coffee Morning’, ground floor Muswell Hill Library on the last Friday of each month (August 29th)

Jackson’s Lane Coffee & Computers, (also on a Friday morning) enquire Stuart Cox Participation Manager, 269a Archway Road, London, N6 5AA, Tel 020 8347 2411



Meeting of September 2014

BE SCAM AWARE!

Dale Bevington

Home Instead & a representative from the local police

2pm Wednesday 17th September 2014

Arrive any time after 1.30pm for a prompt start at 2pm

at the Marian Centre, Hornsey Parish Church Hall,

Cranley Gardens, N10 3AH

Entrance behind W7 bus stop on Park Road

Buses W3 ,144 ,W5 stop nearby

Next meetings: Oct. 15th, Nov. 19th.

Contacts: Ann Anderson 020 8340 8335,Pamela Jefferys 020 8444 0732 & Janet Shapiro 020 8883 9571 or 07804 936 139 [email protected]

Help getting to meetings.

Many members may be eligible to be a member of Dial a Ride. This service is very helpful. Write to Dial a Ride, Passenger Services, PO Box 68799 London SE1P 4RD or phone 0343 222 7777 to request an application form.

If you are given a lift or use a taxi and need help walking from the car park we now have use of a wheelchair to help you from the car park on Cranley Gardens to the meeting room. Ring Janet on her  mobile phone when you arrive.



July 2014 meeting

Top Tips from a solicitor..

 Speaker : Rebekah Hillman

 at

2pm Wednesday 16th July 2014

Advice on such worries as making a will, inheritance tax, care fees & lasting power of attorney.

Arrive any time after 1.30pm for a prompt start at 2pm

at the Marian Centre

Hornsey Parish Church Hall,

Cranley Gardens, N10 3AH

Entrance behind W7 bus stop on Park RoadApril 2013 001

Buses W3 144 W5 stop nearby

Next meetings: No August meeting, Sept. 17th, Oct. 15th, Nov. 19th.

Contacts: Ann Anderson 020 8340 8335,

Pamela Jefferys 020 8444 0732 & Janet Shapiro 020 8883 9571 or 07804 936 139 [email protected]

Help getting to meetings.

Many members may be eligible to be a member of Dial a Ride. This service is very helpful. Write to Dial a Ride, Passenger Services, PO Box 68799 London SE1P 4RD or phone 0343 222 7777 to request an application form.

If you are given a lift or use a taxi and need help walking from the car park on Cranley Gardens ring one of the committee on their mobile phones when you arrive. Let us know before hand if you plan to do this.



February newsletter 2014

Annual General Meeting on January 22nd 2014 (full copy on request)There was an excellent attendance. Some changes to the Constitution were agreed to add extra officers. There are now two honorary presidents – Hetty Bechler joins Bob Cottingham, appointed to express our gratitude to all the group’s founder members. It was also agreed that subscriptions should be paid by June.

Officers gave reports: on the website and publicity, the review of meetings and campaigns, social events, membership and current funds. The meeting thanked the officers and committee and agreed that the following should continue in post.

Convenor/Secretary: Janet Shapiro, Membership Secretary: Pamela Jefferys,  Treasurer: Clive Evers.  Social Secretary: Celia Bower, Panel of Chairs: Ann Anderson, Lauritz Hansen-Bay, Yvonne Bonnamy. For the additional posts it was agreed that Ann & Pamela are Distribution coordinators and that Ann is Publicity officer. Delegates to GLR NPC were confirmed to be Janet Shapiro and Sylvia Roberts. Unfortunately we still need a delegate to the GLPA.

Five motions, notified earlier, were proposed. These stimulated discussion and were supported unanimously.

‘Haringey Big Community Energy Switch’ followed the AGM

Joanne Barratt from ‘Living Under One Sun’ helps people with their energy bills. Joanne began by explaining payment types & tariffs, and how unit and standing charges affect what we are charged. The ‘Big Community Energy Switch’ works like an auction. To take part in this mass customer negotiation for an affordable deal with energy companies – or just to get advice – you would need to bring your bill to Joanne at a Library Drop-in. It could also be done online at www.haringey.gov.uk/switch.

Although Joanne does not guarantee your making savings, she has helped many people reduce their bills. Those receiving pension credit or other benefits are entitled to the ‘Warm Homes Discount’ worth £135 per year, but it is mainly the bigger companies operating a ‘Care Plan’ that deliver this efficiently. Joanne narrated various problems that people experience with direct debit schemes; such as being in credit by a large amount or having difficulty cancelling a direct debit.

She had many tips for saving electricity, such vacuuming behind a refrigerator – dust diminishes its efficiency, heating only enough water in a kettle, using slow cookers, wearing warm clothes, making sure one ate hot food, and the usual tips about insulation, many of which are in our booklet ‘Scrimp & Save’ that has been handed out to HPAG members.

We have her Power point presentation that can be referenced.

The Haringey Big Community Switch Library Drop Ins are:

  • Marcus Garvey Wednesday                   9am-12pm
  • Coombes Croft Wednesday                   2pm-4pm
  • Wood Green Thursday                            9am-12pm
  • Hornsey  Friday                                        9am-11am* Joanne’s session

Joanne stayed to answer questions and help with the raffle.

THE DIGNITY CODE

The National Pensioners Convention (NPC) has negotiated with many organisations – hospitals, local authorities etc. to sign up to the Dignity Code. We have copies of the Dignity Code or see www.npcuk.org  It is important that older people are treated with respect in all situations, particularly when being cared for.

During the last week of January Hornsey Pensioners Action Group members joined with Islington Forum for Older People manning a stall at Whittington Hospital where many passers by signed up in support.


On February 1stDignity Action Day, we organised a meeting at Hornsey Library.  A big thank-you to the speakers who gave up their time. These were Councillor Bernice Vanier – Cabinet Member for Health and Adult Services, Haringey Council, Mike Wilson – Director Healthwatch Haringey, and Judy Downey – The Relatives and Residents Association. Saskia Schreuder of Haringey Forum for Older People (HFOP) also attended but Pam Moffatt was unfortunately not well. While we should have wanted a bigger attendance, there was a very useful discussion on problems with implementing the code.

This was a good practice run for October 1st, United Nations Day of Older People, when our concerns could be publicised locally. Let us know of any ideas for activities.

 

Our membership secretary reminds you that 2014 subscriptions are due. Cheques should be made out to Hornsey Pensioners’ Action Group. Please post to Mrs Pamela Jefferys,  Flat 38, Bishops View   Court, 24a Church Crescent, N10 3NQ, or pay at the next meeting.

STOP PRESS

Look out for the article written by Pamela due to be published in the Ham & High on 20th February.  Members please buy your copy!

Social Lunches at Jacksons   Lane are held on last Thursday of each month from 11.45am-2.30pm at Jacksons Lane.  There is often entertainment.

Note: Wheelchair spaces must be booked in advance and discussed with Stuart over the phone. Due to space they can only accommodate 3 wheelchair spaces. For information about the next lunch Email Stuart at [email protected] or call 020 8347 2411.

Assisted travel

If you’ve got mobility impairments and have trouble using public transport, you might be able to use subsidised taxi and minicab travel in London. The two schemes are called Taxicard and Capital Call, the latter for longer journeys up to 11miles. Tfl consults on whether the latter should be closed from April 2015.   See https://consultations.tfl.gov.uk/assisted-transport/capital-call  Closing date for comments is Friday 11 April 2014.



Meeting of January 22nd 2014

 

Annual General Meeting

Followed by 

The Haringey Big Community Energy Switch

Speaker: Joanne Barrett 

2pm Wednesday 22nd January 2014

Arrive any time after 1.30pm for prompt start at 2pm

at the Marian Centre

Hornsey Parish Church Hall,

Cranley Gardens, N10 3AH

Access for the Marian Centre is through the big metal gates shown on the photograph, behind the bus stop on Park Road for W7 buses towards Muswell Hill.April 2013 001

The entrance is by the steps on the right of the building, but a step free access can be found through the second wooden gates around the building.

Next meetings: Feb 19th 2014

Contacts:  Ann Anderson 020 8340 8335,

Pamela Jefferys 020 8444 0732 & Janet Shapiro 020 8883 9571 [email protected]

.

 


Bus routes nearby: W7, 144, W3.

Look out for our notices to guide you.

Cross safely using the zebra crossing or the crossing with traffic lights.

Agenda AGM

Welcome, Introduction & Apologies

Minutes of last AGM on January 23rd 2013

Reports from Officers:

Meetings, Finance, Membership, Social events, Campaigns.

Election of Officers & committee.

Nominations and volunteers are welcome.

Existing officers:

Honorary president: Bob Cottingham,

Convenor/Secretary: Janet Shapiro,

Membership Secretary: Pamela Jefferys, 

Treasurer: Clive Evers.

Social Secretary: Celia Bower, 

Panel of Chairs: Ann Anderson, Lauritz Hansen-Bay, Yvonne Bonnamy, 

Cooption of helpers and committee members.

Barbara Ryan supervises refreshments; helpers always welcome.

Nominations and volunteers are welcome.

 

Existing delegates GLR NPC Janet Shapiro, Sylvia Roberts, and GLPA vacant

Nominations to GLR NPC EC Janet Shapiro – note others may be nominated & GLPA

Motions: these were listed in the December notice. In addition the committee proposes constitutional changes: subscriptions remain at £5 but must be paid by June, additional officers will be proposed to reflect the work of the committee.

All motions including those on Reverse marketisation of NHS and Nurse Staffing levels will be circulated at the AGM.

Note Members may submit motions.

Notices                AOB