Daily Mail, Friday, September 6, 2019 Page 63
WHAT is
rescue puppy
Dilyn thinking
as he is
welcomed to
10 Downing
Street by
Carrie
Symonds?
Our weekly
picture
feature offers
you a chance
to write an
amusing
caption in the
thoughtFOR permission to copy cuttings for internal management and
information purposes, please contact the Newspaper Licensing
Agency (NLA), PO Box 101, Tunbridge Wells TN1 1WX. Tel: 01892- e-mail: [email protected]
THIS week’s winner is Delia Bennett of Shepshed, Leics,
who raised concerns about HRT and breast cancer. She
wins our Letter Of The Week Magic Mug, courtesy of
Printer Pix. These reveal our Daily Mail Letter Of The Week
design when hot. To create personalised photo gifts (right),
visit printerpix.co.uk. The Letters Editor will announce the
Letter Of The Week each Friday. Write to: Daily Mail,
Letters, 2 Derry Street, Kensington, London, W8 5TT, emailLETTER OF THE WEEK
[email protected] or fax
on 020 7937 7493, with your
address and number.money to fund that vice and
get credit with diabolical
interest rates at the drop of a
hat. Promoting cheap mort-
gages, gambling, alcohol and
credit cards is ruining our
young people’s futures.
COLIN NICOL, Sutton, Surrey.Target BBC bosses
SIR ClIff RIChaRd is
finally to receive costs from
the BBC for the appalling way
he was treated.
Since it is publicly funded, I
do not believe this should be
paid from BBC funds.
Instead the people responsi-
ble for the decision to intrude
on Sir Cliff ’s privacy without
any evidence whatsoever
should be responsible for
paying these costs.
It’s about time the director-
general and his yes men were
held accountable for their
frivolous decisions and waste-
ful spending, particularly
when they have the cheek to
withdraw free TV licences
from the over-75s.
C. DOWELL,
Marston Green, W. Mids.Show us the money
ThE £1.5 billion funding for
social care announced in the
spending review is a much-
needed, but temporary, life-
line. The sector is battling
funding pressures and work-
force challenges in the midst
of an ageing population.
as chief executive of anchor
hanover, England’s largest
not-for-profit provider of care
and housing for older people,
I welcome the commitment to
tackling this important issue,
which is not seen as a high
priority in the wake of theBrexit negotiations. But we
need details about when this
money will be available.
Since the social care Green
Paper was first promised,
more than 50,000 older people
have died waiting for reform.
The failings of successive
governments means hundreds
of thousands have suffered
this fate. The Prime Minister
must deliver on his ‘clear
plan’ for reform, promised in
his inaugural speech. We need
sustainable solutions. Social
care can’t survive on
emergency cash injections.
JANE ASHCROFT,
London WC1.Left stranded
On ThE day the blue badge
scheme was extended to those
with hidden disabilities, the
council refused me a renewal.
I am partially deaf with
chronic osteoarthritis and am
undergoing daily radiotherapy
for a brain tumour. I have had
a blue badge since 2004.
for every ten blue badges,
there is just one accessible
parking space. live a day in
my shoes and you’d under-
stand why I need one.
JOANNE COLE,
Stockton-on-Tees, Co. Durham.lives
Thrill-seeker: Luke GoodereHAVE you lost a relative or friend in recent
months whose life you’d like to celebrate?
Our Friday column tells the stories of
ordinary people who lived extraordinarylives. Email your 350-word tribute to: lives@
dailymail.co.uk or write to: Extraordinary
Lives, Daily Mail, 2 Derry Street, London W8
5TT. Please include a contact phone number.tunnel in Sydney. I once
said: ‘Luke, when are you
going to get a proper job?’
He replied: ‘Dad, when are
you going to get a life?’
Luke had decided with his
girlfriend, Kelly, to make his
home in Sydney.
He returned to England in
March for 12 days — the first
time in two-and-a-half
years he had been home —
to meet his new niece,
Ava-Rose, and visit family
and friends. On his way back
to Australia, he stopped off
to visit friends in Thailand
and lost his life in a tragic
accident in Phi Phi. Yearsago, when asked what he
would do if he had a week
to live, Luke said he would
go home to see his family
and visit friends in Phi Phi —
exactly what he did.
Luke was loving, kind and
generous. On the day he
died, he had bought tickets
for me and his mother to
see Queen in Sydney next
February and a tumble
dryer for his sister after she
had commented about the
amount of washing she had
with a new baby. An
indication of the high
esteem in which Luke was
held are the 13,000 posts onhis Facebook memorial
page from people in 35
countries. Many state what
a true friend he was and
there are messages from
parents of backpackers
thanking Luke for looking
after their children. Friends
travelled from the U.S.,
Australia and the Far East to
attend his funeral.
He once said: ‘In life, what
we regret most are the
opportunities we never
took. Dream it, live it.’ And
that is how my son lived.
O LUKE GOODERE, born
January 14, 1986; died
April 11, 2019, aged 33.Rate cut a disaster
for your pension
IT IS unfair that people who
have diligently saved for their
later years have to pay higher
care home fees than those who
have not been so prudent.
But careful savers could be hit
by a triple whammy.
after you retire, you are likely to
avoid riskier investments on the
stock market because any
capital losses would be difficult
to replace. So you are more likely
to redistribute your savings to
simpler, safer, interest-bearing,
deposit-based investments.
If you have more than £85,000 in
savings, which is possible with
several legacy cash ISas, you
would be wise to distribute this
money across several providers,
each with its own licence with
the financial Services
Compensation Scheme.
But what happens when you
reach the age when it becomes
too much of a burden to manage
your savings accounts?
One option is to transfer all your
savings into national Savings
and Investments, or nS&I,
products, where much higher
amounts than £85,000 can be
deposited with confidence.as you are lending to the state-
backed lender, all your money is
protected. The gripe is that
nS&I offers substantially,
sometimes appallingly, low
returns. It has just removed from
sale its one-year and three-year
fixed-rate bonds. Until earlier
this week, you could get nearly
2 per cent, but not any more.
In your final years, you could be
facing high care costs, but
because you are no longer taking
risks with your money, you have
lower returns on your savings to
pay for them.
nS&I says lower returns prevent
it being anti-competitive to
non-government savings
institutions. But I don’t believe
this should stop it offering age-
related products with tiered,
higher interest rates for those
aged over 65, 75 and 85.
at each age band, the
demographic numbers of eligible
savers would proportionately
decrease, providing a natural
tapering effect on the numbers
and on the extent of any
perceived anti-competitiveness.
JOHN STARBUCK,
Egremont, Cumbria. Better deal for savers: John StarbuckPicture: ANDREW PARSONS / I-IMAGESPicture: CHANNEL 4There’s no cake
like sconebubble in the picture. Staple, glue or tape it to
a postcard and send it to: Caption Contest (992),
Daily Mail, 2 Derry Street, London W8 5TT, or
email a caption to [email protected], by
Thursday September 12, 2019. The best caption
will win a £20 book token.
O This week’s winner is Wendy Robinson of
Burnham-on-Sea, Somerset, who has Noel
Fielding saying to his fellow Great British Bake
Off presenters during a Wizard of Oz sketch:Picture: NORTH NEWS & PICTURES