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    Back on topic, I'm disappointed with the Tory plans for the 'death tax' with an asset ceiling of £100,000.

    Sir Andrew Dilnot, in his report of 2011, suggested putting a cap of £35,000 on all social care costs, any above being picked up by the state, and the Tories accepted the idea though putting the ceiling up to a higher £75,000.

    Sir Andrew hoped that this would encourage a private market for social care insurance.

    In an ideal world I'd like a death tax of 100% which would encourage oldies to downsize (freeing up large houses which many of us are rattling around in) and use their money to enjoy themselves while they are still alive or give money away to their kids when they might need it.

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