Do you have to sell your home to pay for care?

31 December 2020

Finding the money to fund long-term elderly care can be a worry but as this article shows, you do not need to sell your home in order to pay for care.

Financing long term elderly care can often be one of the most stressful aspects of organizing care for either yourself or a loved one. There are a variety of care options available depending on your circumstances but none of them are cheap and when it comes to something as important as the right elderly care; you will want to pay for the best care possible.

Research by the Live-in Care Hub suggests that many service users have sold, or considered selling, their homes in order to ensure that they have enough finances to comfortably afford long term elderly care for a loved one or for themselves. However, this doesn’t always need to be an option. There are other options available and other financial routes you may take.

Financial help from your local council

If you or your elderly relative do not have large amounts of savings to fall back on to help pay for elderly care then you may be able to apply for social care benefits which will help you to pay for care. This money can be put towards the cost of residential care homes or help to pay for domiciliary of home care services. When there is a medical need for elderly care, the NHS may cover the cost of nurse care.

If your elderly relative has savings of below £23,250 then they may meet the requirements for financial support for their care from your local authority. Your care needs will be assessed by your local social services to determine the level of care required before any benefits are paid. The amount you receive will also depend on how much you can comfortably afford to pay towards your care yourself as well.

Alternatives to expensive care homes

Residential and nursing care homes are without a doubt the most expensive elderly care options. Although your relative may reach a point where they require round the clock support and care, this does not always have to be within a care home setting.

Live-in care services are an excellent bridge between casual support and residential care homes. A carer will move into your or your relative’s property in order to provide care and support for as much time as is required. This will allow your relative to remain in the comfort of their own home which can help with many aspects of both physical and mental wellbeing. Live-in care is also a much more financially viable care option for many families as costs are markedly lower than the cost of moving into a care home or having domiciliary carers coming into the property in shifts.

Live-in care agencies can work with you and your financial budget to find a care plan that suits your needs and your budget. Any social care funding that you are entitled to from your local council can also be used to fund this type of care package which will help to further ease any financial burden so that you do not need to sell your home to fund your elderly care.

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Ariana Smith

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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5 Questions You Should Not Ask During Your Tarot Reading

A tarot reading is something that can evaluate your past, analyze your present and give you an insight into the future. Doesn’t that sound exciting? Of course, it does! But whether you are a first-timer or take readings at regular intervals, there are some basic checkpoints that you must stick to. To begin with, have it done by a skilled and trusted tarot reader who is not just interested in making money but genuinely wants to help the clients. Also, you should understand the reasons behind taking a tarot reading so that you have a fulfilling experience. Check out http://www.city-connect.org/reasons-you-should-take-up-tarot-reading/ to know how these readings can be life-changing, Besides these, asking the right questions from your reader is perhaps the most vital aspect of getting an accurate and valuable reading. While you may have a list of questions for your session, you need to know that you cannot just ask any random one from the reader. Let us guide you with some questions that you should avoid asking during your tarot reading: Yes/No questions: Tarot readers use their skill, experience, and intuitive powers to interpret the meanings of the cards drawn by the client. They can make revelations about your past, present, and future, but answering questions in Yes or No can be tricky for them. Tarot is a form of divination and not fortune telling that claims to make accurate predictions for your future. So it is important not to put straightforward questions that have to be answered in Yes or No; rather you can frame it differently. For instance, instead of asking a specific question about getting a particular job, you can rephrase the question and ask about your career prospects. Specific questions about your love life: It is common for people to take a reading only to know more about their love life and the future in romantic relationships. But it is advisable not to ask questions that are too specific, like “Will I marry that person?”. Though a love tarot reading can reveal a lot about the outcome of a relationship, the reader cannot guarantee it for you. The best approach is to generalize your queries, such as asking about your future in love and the possibility of a stable relationship in your life rather than going specifically with questions about a particular person. Questions related to health and death: Whether you are suffering from medical issues or are healthy, you are still likely to be curious to know about your health. Some people even take up tarot readings to know about the timing of death for themselves or their loved ones. But these are some questions that you should avoid asking the reader as these have very black-and-white answers. Like specific love-related questions, these are also difficult to answer and there is no guarantee that the reading will be true. Asking whether you or a loved one would be able to regain their health is not the right approach to take. Conversely, you can inquire about how you can offer support to a loved one who is struggling with a health condition. Death questions too should be avoided because no reader can predict the time of death for a client and neither would want to answer such a negative question. Extremely detailed questions: A tarot reading can be a life-changing experience as it can give you the right direction to overcome your challenges and pursue your goals. It gives a new perspective on the issues you are facing and the actions you can take to resolve them. However, it would be wrong to expect detailed answers to your questions. When you go for a reading, do not expect the reader to give you specific answers as all they can do is to guide you with their intuition. Remember that they can just be spiritual guides, not problem solvers. Vague questions: Another type of question that you should not ask your tarot reader is the one that is too vague. Have a list penned down and ensure that all questions are clear enough for the professional to understand. Every reading is taken with a specific area of questioning in mind, which you should clearly convey to the reader. Communicate your focus area to the reader so that they can answer accordingly. Vague questions get you vague answers, which can make the session directionless and a total waste of time. It is best to frame your questions beforehand and put them on paper. Consult your friends who have already taken readings about the questions they ask, particularly if this is your first time. Knowing your questions and framing them well is the key to having a successful session. Read Also: Understanding New Age Spirituality

Riding the Hobby Horse: 4 Benefits of Starting a New Hobby

Starting a new hobby may seem like an arduous undertaking, but the benefits make all the decision-making well worth the effort. Not only are hobbies a fun way to take a break from the stresses of everyday life, but they can have tremendous benefits for both the mind and body. Read on to learn about some hobbies and the benefits that accompany them. Hobbies that pull their weight There are so many possibilities when it comes to finding the right new hobby. No matter how you usually fill your spare time, there’s a hobby for you. For example, gardening might be an excellent new hobby for more outdoorsy folk. It is relaxing, healthy for the body, and yields a rewarding product in the form of beautiful flowers and food. If you prefer the great indoors, scale model building is an excellent hands-on hobby that you can do from the comfort of your home. Scale model hobbyists can also put their work on display for the world to see in a nice display case with battery-powered LED lights. Cooking and reading are two more classic hobbies with notable mental and physical benefits. Those looking to engage their bodies and get closer to nature may decide to take horse riding as a hobby. Some may decide that collecting things is the right new hobby for them, while others may choose to try learning a new language. No matter your preferences, the world of pastimes has a spot waiting for you. Benefits of starting a new hobby Whatever the hobby may be, multiple benefits come with filling your time with something that makes you happy. 1. Health benefits Hobbies have a wide array of health benefits. Not only do many activities engage the body to ensure that the hobbyist is meeting their exercise needs for the week, but all hobbies reduce stress. When a person does not address stress, they can develop any of the following symptoms: Aches/Pains Low libido Chest pains High blood pressure Digestive issues Muscle cramping By relieving stress, hobbies also lead to better quality sleep, which improves health significantly. 2. New challenges New hobbies provide new challenges, allowing people to think in different and more creative ways. This novelty not only contributes to personal growth, but it can also help in terms of career. Enhanced creative thinking and having an outlet to balance stress can lead to considerable improvements in a person’s work life. 3. Transitioning to retirement When the time to retire rolls around, people with a new hobby will have an easier time adjusting to all of the newfound free time. As a hobbyist, filling that with something you enjoy will be easier than it is for someone who has only worked their lives. Not to mention, some people become so skilled at their hobbies that they can receive a profit from providing others with their goods and services, allowing them to earn money from their favorite retirement activities. 4. Building relationships Finding a hobby can aid in meeting new people and creating new relationships over a shared interest. In addition to this benefit, it can rekindle sparks in old relationships by giving two people a new pastime to learn alongside each other. Final word Hobbies are great for just about every aspect of life, from health to personal relationships, to careers. Not only are pastimes great for the body and soul, but there is such a long list of potential activities that there is undoubtedly a hobby out there for everyone. Read Also: The Importance of the Domestication of Horses How Much are Horse Riding Lessons? 5 Myths About Horse Racing That You Must Know

Unpredictable Valentine’s Day Gift to Surprise Your Lover

Valentine’s Day is just about to appear and if you are still thinking about gifting your beloved some surprise gift then plan some different. If you really love your Valentine and want to surprise him/her then choose some unpredictable Valentine’s Day gift and make Valentine’s Day 2020 memorable for them. Who does not like surprises and especially if it from the most important person of your life. This year choose your valentine’s Day Gift very wisely before you present it. In our concept of ‘Love’ and ‘Valentine’s Day’ Valentine’s gifts seem to be the most precious ones which would depict the kind of royalty and loyalty you have towards your Valentine. But have you ever thought that something that is not countable and tangible could me most precious and would help you express your love? You will not have to spend unnecessarily to gift something special to your beloved. All it takes is some clever tips about Valentine’s Day gifts. Valentine’s Day Gifting History Over the years all young and old couples have celebrated Valentine’s day all across the world without even know why is the day celebrated. Have you ever thought why is Valentine’s Day celebrated and why do we give gifts on Valentine’s day? Why do we need a special day to celebrate our love give gifts on Valentine’s Day? What is the Origin of Valentine’s Day? Valentine’s Day is celebrated in the memory of St. Valentine who was a Saint and was full of mystery. The month of February has always been celebrated overwhelmingly over the ages not knowing the reality. St. Valentine was a priest in Rome during the 3rd century, the then emperor was Emperor Claudius who announced that single men are better fighter than married men and he overruled the ritual of marriage among young men and women. St. Valentine, the priest was against this law set by Claudius II. He gradually started helping these young men get married secretly which got exposed to Claudius II. When Claudius got to know about this disobey of his law he ordered for the death of St. Valentine. In order to remember St. Valentine after his death, all lovers have started offering gifts to their beloveds on Valentine’s Day comparing their love to St. Valentine. The ritual of exchanging gifts is a symbol of remembering St. Valentine’s ever since his love. This day has been henceforth considered to be a “Day of Romance”. Now if this day is so important for the lovers then you must also know how can you make your ‘Love’ feel special because on this day in the past someone was killed because he wanted to celebrate love. Valentine’s Day that You Never Thought Of Everyone presents something or the other to their lovers on Valentine’s Day but why to count yourself in ‘Everyone’? Be different. Think differently. Plan something unique. Since Valentine’s Day is all about ‘Celebrating Love’ then gift something that your Valentine loves. Valentine’s Day gifts should be such that your lover must remember it for the rest of life. Money can buy you any expensive gifts but that happiness will be related to the gift item that you would give. A Valentine’s Gift as a Weekend Trip Valentine’s day is all about you and your love together. What could be a better idea than celebrating the Valentine’s Day away from work and city-life? You can gift your Valentine a small trip to some weekend destination and spend some quality time with your love. Try to find out their choice of place, make a plan and arrange everything beforehand. A Valentine’s Day Gift as a Food Trip No one will know him/her better than you. If your Valentine is a food lover then celebrate your Valentine’s Day with their favorite food. Make a plan what all dishes they like, take them to their favorite food stall or food-stop and enjoy both of your favorite food. Food is something everyone loves what could be better than you gifting your lover’s favorite dish to make them happy. A Valentine’s Day Gift as a Road Trip If you know your partner loves to travel and have not got any chance for long to go for a road trip then you can exclusively arrange for a Road Trip for your Lover. They will love your surprise Valentine’s Gift and you will never regret seeing the happiness and the smile on their face. The happiness you both will have is actually priceless. A Valentine’s Day Gift as a Pet Therapy If all you know about your Valentine is that he/she is a pet lover, get their favorite pet home as Valentine’s Day gift. This could not suppress any other thing they would have wanted more in life. They will definitely love pet therapy with their favorite animal and their love together. In Pet therapy, gifting a dog therapy would be incomparable to any other Valentine’s day Love. A Valentine’s Day Gift as a Car-Light Dinner This is something very sweet and cute way of making your love feel special. Surprise them by arranging a special Valentine’s Night dinner inside your car. This is something very cozy and would be loved by your lover. Candlelight dinner is very common, do something different this time with a special car light dinner for your beloved. Valentine’s Day is a tradition mostly driven by the economy, but make this Valentine’s Day memorable for the rest of your life with emotions and true feelings this year. You can never buy emotions even if you are a billionaire. This Valentine’s Day tries not to gift something materialistic, instead, give something that would heartwarming for your love after all it is all about celebrating your love. Read Also: Best 5 Valentine Flowers for Your Special Someone A Fashion Gift Guide for Special Occasions

Do you have to sell your home to pay for care?

Financial help from your local council

Alternatives to expensive care homes

10 Instagram-Worthy Hens Party Ideas-Without Losing Your Mind

Planning Your First Date: Here Is How You Can Blow Them Off Their Feet

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Ariana Smith

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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5 Questions You Should Not Ask During Your Tarot Reading

Riding the Hobby Horse: 4 Benefits of Starting a New Hobby

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Do you have to sell your home to pay for care?

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10 Instagram-Worthy Hens Party Ideas-Without Losing Your Mind

Planning Your First Date: Here Is How You Can Blow Them Off Their Feet

Tags

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

Leave a Reply Cancel reply

Popular

Follow Us

Recent

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