can we avoid care home charges

thorsoak

May I suggest that you read this :- http://www.hmrc.gov.uk/rates/it.htm

It might help you clarify things in your own mind.

spaniel_dog

maman wrote: »

I do know people who get to retirement age without assets precisely because they've spent every penny of their income on living life to the full while the rest of us contributed to pensions, paid mortgages and saved. Some of them will probably end up with free care.

And do you know what op? If they came on here bemoaning their lot, I'd give them as short shrift as you've had.

I still can't believe that you actually titled your thread 'can we avoid care home charges' and then tell us you'd never thought of doing that. What was your plan for where you'd live if you gifted your home to your children? Surely you weren't going to eat into your meagre pension with rent when you already have a property that's paid for?

so you have given short shift have you my my arent you a big man

if you read all of what I have written you will see If we sold up we would live in a small flat, the children would be given gift of money

the title I gave really irrelevant I have read a book called 50 shades gray but it wasnt anything to do with colour charts but it was a way of asking if we have a choice, pointing out I know nothing of the rules

thorsoak

spaniel_dog wrote: »

so you have given short shift have you my my arent you a big man

if you read all of what I have written you will see If we sold up we would live in a small flat, the children would be given gift of money

the title I gave really irrelevant I have read a book called 50 shades gray but it wasnt anything to do with colour charts but it was a way of asking if we have a choice, pointing out I know nothing of the rules

What ARE you on, for heaven's sake????? You ignore or insult people who give you good advice ....and all of a sudden, you come out with 50 Shades of Gray?????? Stop reading the books - your blood pressure is getting far too high!

Or maybe you should just trip trap back under your bridge .......

ognum

Every time the OP is challenged she throws in another irrelevant notion, like a politician she never answers anything with a straight answer. Her politics are questionable and even with her experience as a care assistant she seems to know little about the health service and how it works.

I am beginning to agree that either she is a troll or .................?

securityguy

spaniel_dog wrote: »

it was the tax office I talked to, the letter quoted from them, if you know more than HMRC then I will give you the direct line number the you can fight my corner

Oh, the quote's right. It just doesn't mean what you think it does, because the chip on your shoulder is stopping you from seeing straight. I have two sources of income so know how my tax works.

Anyway, good luck: if you're rich enough to pay £2500 per year in extra tax out of stubborness, you're certainly rich enough to pay your own care fees.

maman

spaniel_dog wrote: »

so you have given short shift have you my my arent you a big man

if you read all of what I have written you will see If we sold up we would live in a small flat, the children would be given gift of money

the title I gave really irrelevant I have read a book called 50 shades gray but it wasnt anything to do with colour charts but it was a way of asking if we have a choice, pointing out I know nothing of the rules

I thought 'short shrift' was a polite way of putting it as you admit to knowing nothing but obviously haven't taken a blind bit of notice of any of the advice you've been given. Even the poor guy who's trying to save you money that you are entitled to on your tax gets the sharp end of your tongue. But then if you start a thread with a title that bears no relevance to what you really wanted to know, is it any wonder that readers are confused....:rotfl::rotfl::rotfl:

seven-day-weekend

One thing springs to mind to put to the OP: Just how much do you think living somewhere and paying rent, having 24-hour care, having all your meals cooked, having all bills paid and all upkeep, Council Tax and insurance on the property, costs? Do you really think that the care homes are 'raking it in'? How much would this cost in your own home? I bet not much less than the care homes charge. You would expect to pay for these facilities in your own home, wouldn't you? So why would you not expect to pay for it elsewhere?

And don't forget, those who can't afford it do not have to pay.

I agree it would be lovely if we could all leave our assets to our children, but not always possible, it is not an 'inheritance' until we are dead, before that it is our money and classed as such.

This is why I am glad we were able to help our son out with the deposit to buy his flat, he had had part of his inheritance via that and if he gets no more, sobeit, what is left is ours to be spent on us. I'd rather we didn't have to spend it on care, but I'll tell you what, if my husband had to go into care I would live in a bedsit if it meant he could have the best possible care we could afford. If we have the means we will use them to buy the best there is.

spaniel_dog

ognum wrote: »

Every time the OP is challenged she throws in another irrelevant notion, like a politician she never answers anything with a straight answer. Her politics are questionable and even with her experience as a care assistant she seems to know little about the health service and how it works.

I am beginning to agree that either she is a troll or .................?

what the heck is troll Im amazed how rude some of you are

I worked in Critical Care we never needed to know about social care

spaniel_dog

securityguy wrote: »

Oh, the quote's right. It just doesn't mean what you think it does, because the chip on your shoulder is stopping you from seeing straight. I have two sources of income so know how my tax works.

Anyway, good luck: if you're rich enough to pay £2500 per year in extra tax out of stubborness, you're certainly rich enough to pay your own care fees.

dont you think I didnt get professional advice, I know precisely what it meant
I was one of many thousand who were victims of Tax computer error when we were doing part time job while drawing pension, well covered by the experts on this site at the time with template letters to appeal, they had sent the same code to employers and the pension so both were using the code with allowances, tax man won the day and we all have to pay back the tax we underpaid, the only gain from the appeal was the claw back was to be in installments irrespective of financial circumstances, so thats why I pay extra tax not because I am 'rich'
sure the fiasco should be somewhere on this site, it was the money expert from the Guardian who was the champion, could find you his name if you are interested

Tiddlywinks

OP - why have you come back to this thread?

It clearly isn't to take on board any advice given... So, really, what's the point?

If you want an argument then hop on over to the discussion forum in the MSE Arms... the link is at the bottom of the forum home page.