Nice people thread part 4 - sugar and spice and all things

PasturesNew

LydiaJ wrote: »

How frustrating. What's the latest on finding a home for your remaining old, with the special feature required? And is the old still as unaware of what's going on, or is she understanding anything a bit more now?

Found one, been assessed/accepted, awaiting some hospital basic equipment to be assessed/ordered/supplied, then they'll be moving.

Old has no idea what's going on really - still asks "have you seen....?" of the old when I go in, and "... was here earlier, no idea where .... is now". And, other days, like today, when they just sleep.

At best, the old has the mental ability to remember who us family members are, but everything's mixed up and 90% of all conversations are utter nonsense. Old's mental capability is peculiar to explain - can look normal, but only ever talks bizarre nonsense and is hallucinating often and having some bad personal care accidents.

GDB2222

silvercar wrote: »

I thought beneficiaries could rewrite wills within 2 years of death, if they all agreed.

they can do that, but it only works for inheritance tax. The local authority would be perfectly within their rights to regard that as a deliberate deprivation of assets.

PasturesNew

silvercar wrote: »

I thought beneficiaries could rewrite wills within 2 years of death, if they all agreed.

Really? I didn't know that. I'll look into it. Solicitor did pick up on the fact part of the will was wrong, so we've had that corrected. I'll look into that tomorrow. The old still has their own savings, which they can pay the fees with .... it's just the other old spent their life scrimping and saving pennies here and there on stuff and their head would explode if they thought "the Govt took it all".

PasturesNew

GDB2222 wrote: »

they can do that, but it only works for inheritance tax. The local authority would be perfectly within their rights to regard that as a deliberate deprivation of assets.

Oh well... for 10 seconds I thought there was a way. We'd not be spending the money as "ours" and it'd be retained to top up the old's fees at some future point so they could remain where they were put ... and we'd use it to make their life better.... but it is annoying.

PasturesNew

To be honest, paying wouldn't be an issue if:
[a] Private payers paid the same that the Council get charged.
Interest rates were at a normal level and not thruppence a year.

fc123

Davesnave wrote: »

You had to highlight after the text on the 'blank' bit of the page, where the writing was in white on a white background. For example:

LIKE THIS!:)

Wow, that's clever.......how do I do that? It's like when I learnt how to over write a link (thanks Miss Kool) and I use that 'skill' all the time now in e-mail etc.

vivatifosi wrote: »

Ah fc, you didn't get one because the Dewey codes on fashion weren't specific enough, in hindsight I could have used dressmaking, but then that wouldn't be a code to suggest you did it commercially. If I'd have gone for one on clothes, that could also be a plethora of other nice people.

no no don't apologise I couldn't write it with the correct tone. For reference an 'Advanced SAGE manual' would probably be in my section as we have now got the 'bones' of the programme pretty much sussed....now need to learn to use it for more wizzy accountancy things and sums.

PasturesNew wrote: »

My olds always had completely separate money. They earnt their money, they kept/saved their money.... thing was, in their wills they left their money to each other.... and the deceased old would be mortified that their life's savings were now going to be handed over to pay for care home fees.

If my remaining old keeps plodding along, that'll be goodbye to £250k .... and what's doubly annoying is that people who are being paid for by the Govt get charged less than people who are paying. Most homes are full of people not paying a bean and the Council pay about £150-300/week less than private payers.

It'd seem fairer if we were paying the same as the Council pay.

That doesn't seem fair......a 2 tier fee structure? Is it a subsidy I wonder, as the council pay less to save on spending taxes and the private person pays a top up to compensate?

Does SAGA have a view on this?

fc123

PasturesNew wrote: »

To be honest, paying wouldn't be an issue if:
[a] Private payers paid the same that the Council get charged.
Interest rates were at a normal level and not thruppence a year.

Any chance you could get the cash savings moved into the highest interest paying account available? I am sure there is an NP or someone on savings board who could help find the best one. Even if it's just 1%+ it'd help.

silvercar

fc123 wrote: »

That doesn't seem fair......a 2 tier fee structure? Is it a subsidy I wonder, as the council pay less to save on spending taxes and the private person pays a top up to compensate?

Does SAGA have a view on this?

Bulk purchasing power.

PasturesNew

fc123 wrote: »

That doesn't seem fair......a 2 tier fee structure? Is it a subsidy I wonder, as the council pay less to save on spending taxes and the private person pays a top up to compensate?

Does SAGA have a view on this?

It's the way it works... no idea what SAGA say.

The Council publish a list of homes.... some say "accept Council rates", which means they take in free people.... and they tend to be the more affordable ones. So, those having to pay must be subsidising the Council places.

It's not an easy thing to research to be honest, you're having to decide right now/immediately, without full information -and- they have to have a bed available -and- they have to meet your needs (location, facilities, ambience, price, etc).

If you choose a private one, not in the book, then if the money runs out they turf you out; we've had to pick from the book so the old doesn't get turfed out through lack of funds in a few years when the money's run out.... although it's not guaranteed.

PasturesNew

fc123 wrote: »

Any chance you could get the cash savings moved into the highest interest paying account available? I am sure there is an NP or someone on savings board who could help find the best one. Even if it's just 1%+ it'd help.

Well, we will be, but things don't work quite like that. Need to get the PoA in my hand, then get my 4rse down to the bank and set it all up.... it's all time, and paperwork and will be done some time once the old's settled.

Originally we were looking at doing it on the basis it'd be in a branch in the old's town.... but now the old's moving towns and won't be managing their money it opens up a whole new world of Internet/phone banking to us - so we've not researched any of it yet.

There's a lot to do every day with all sorts of calls/texts/emails going on - and trips of 40 miles round trip to be made and now a property to look after remotely and the will's still not sorted and the PoA's only 99.99% finalised and the property needs to be cleaned/cleared and to go on the market and there are maintenance issues there too and there are these other decisions re a home location that have had to be done ... all with a backdrop of daily not knowing what state the old will be in ... and their varying medical and mental issues over the past two months.

Also, I've learnt to move slowly on things because everything's moving so fast and it's all changing so often that if I did everything "now/today" it'd often cause extra work as it needed undoing/unravelling in the following week as goalposts moved.