Putting our house in trust Help Please

Gadfium

arthurx1234 said:

Yes we are trying to avoid care home charges

Niiice....so you want the taxpayer to fund your care in your dotage. Why would you want to throw yourself on the benevolence of others and why would you want to spend your last years in a place that won the council contract by being the lowest bidder?

When you go on holiday, do you pick the absolute cheapest doss-house that you can find and eat from soup kitchens too?

lisyloo

"Yes we are trying to avoid care home charges"

You do realise you could end up somewhere dreadful? away from family? and away from each other?

We went looking for care homes in 2017. My MIL had quite high needs and many of the lower priced homes were simply not suitable or wouldn't table dimensia & incontinent clients.

Some were dreadful and I don't mean fussy issues like the decor, we mean filthy toilets, dressings hanging off, stench of urine and shivering clients (for want of a blanket) whilst staff chat.

We eventually found a decent place for my MIL and despite the chanllenges we never smelt urine or faeces so it is possible to keep incontinent people clean. We had to fight with the LA because it was over budget but we won in the end.

When my FIL because ill there was a place available at the same home. The LA wanted to put him somewhere cheaper 15 miles away despite the fact that they'd been married over 60 years. They would not have visited much as he was bed bound and she was wheelchair bound and the wheelcair taxis would have been expensive,

Again we fought and appealed and they got to spend his last 11 days together, but that was only because they had good advocacy and we fought hard.

I am not making any moral judgment, but do you want to be left in your own faeces, shivering, away from family and each other?

If you put yourself at the mercy of the state then this is what you risk.

As one of the beneficiaries I can happily say that we wanted them to spend the money on their care.

Albermarle

Yes we are trying to avoid care home charges

Then you are wasting your time and quite probably creating a lot of hassle for yourselves . Who advised you to do this ?

Apart from illegally trying to deprive the council of money , you should also think about the care home situation more clearly.

Firstly most old people never end up in a care home . Of those that do most only survive a couple of years at most. So the chance that your house value will be swallowed up in care home fees is actually pretty low.

Secondly when you visit a council run care home potentially for you or your partner , you will not like it and will instead end up paying for a private home anyway, even if it means selling the house to pay for it.

Thirdly , of course it is nice to leave an inheritance to your children but I think they would prefer you use the money for you, rather than deprive yourself for them ?

Sailtheworld

Albermarle said:

Yes we are trying to avoid care home charges

Thirdly , of course it is nice to leave an inheritance to your children but I think they would prefer you use the money for you, rather than deprive yourself for them ?

Parents often overestimate just how much their kids need or want their house.

My dad went into care with a few thousand in the bank and a house worth less than £130k. My siblings and I looked at different places; one conversation we had was whether, when his cash ran out, we'd be willing to top up what the council would pay. That informed the budget and he was able to go to a nicer place from the off and we knew he wouldn't have to move if/ when he ran out of money.

As it turned out he only lasted just over a year (Jackpot!) and the residue of his estate was split 4 ways. The amounts of money involved compared to the wealth of the recipients were neither her nor there - certainly not worth a year in some of the crappy care homes we viewed.

If people want to give away money to their kids I don't know why they don't just do it instead of it having to be pried from their dead fingers. 

AnotherJoe

OP, If you've split the ownership into TiC and each left your half to the kids then you've protected half of it unassailably and that's probably the best you can do.

As an aside, its a pity you've raised kids that are happy to see one or both* of you live out your last years in squalor so they can get a bigger inheritance,  and given that, I dont see why you'd be inclined to do this for them, but each to their own. 

* because if the first one went into care while other didnt need it maybe you could downsize house,  to pay for a nice care home for the one that needs it and then for second one sell the house to pay.  Otherwise one of you will be visiting your partner in a dump and then living in one. And no doubt bemoaning the state of it loudly whilst unaware of the irony and looking at the postcards from the nice cruises the kids went on.

arthurx1234

Gadfium said:

arthurx1234 said:

Yes we are trying to avoid care home charges

Niiice....so you want the taxpayer to fund your care in your dotage. Why would you want to throw yourself on the benevolence of others and why would you want to spend your last years in a place that won the council contract by being the lowest bidder?

When you go on holiday, do you pick the absolute cheapest doss-house that you can find and eat from soup kitchens too?

As i have paid tax and NI contributions for 45+ years and never been given a hand out from the state ie dole, universal credit, housing benefit, free dental etc etc, So i must have paid for numerous scumbags to sit on thier !!!!!! in the house smoke and drink and drain the nhs and taxpayer ie ME and possibly you, so its time for me to be "creative" with my assets, but ironically  it will not be me who benefits but the kids,  sometimes i wish we were like Wayne & Waynetta slob

Arthur

coyrls

arthurx1234 said:

Gadfium said:

arthurx1234 said:

Yes we are trying to avoid care home charges

Niiice....so you want the taxpayer to fund your care in your dotage. Why would you want to throw yourself on the benevolence of others and why would you want to spend your last years in a place that won the council contract by being the lowest bidder?

When you go on holiday, do you pick the absolute cheapest doss-house that you can find and eat from soup kitchens too?

As i have paid tax and NI contributions for 45+ years and never been given a hand out from the state ie dole, universal credit, housing benefit, free dental etc etc, So i must have paid for numerous scumbags to sit on thier !!!!!! in the house smoke and drink and drain the nhs and taxpayer ie ME and possibly you, so its time for me to be "creative" with my assets, but ironically  it will not be me who benefits but the kids,  sometimes i wish we were like Wayne & Waynetta slob

Arthur

Nice.

comeandgo

arthurx1234 said:

Gadfium said:

arthurx1234 said:

Yes we are trying to avoid care home charges

Niiice....so you want the taxpayer to fund your care in your dotage. Why would you want to throw yourself on the benevolence of others and why would you want to spend your last years in a place that won the council contract by being the lowest bidder?

When you go on holiday, do you pick the absolute cheapest doss-house that you can find and eat from soup kitchens too?

As i have paid tax and NI contributions for 45+ years and never been given a hand out from the state ie dole, universal credit, housing benefit, free dental etc etc, So i must have paid for numerous scumbags to sit on thier !!!!!! in the house smoke and drink and drain the nhs and taxpayer ie ME and possibly you, so its time for me to be "creative" with my assets, but ironically  it will not be me who benefits but the kids,  sometimes i wish we were like Wayne & Waynetta slob

Arthur

Have you told your children what you are doing?  I'd be absolutely horrified if my parents thought they had to go into a non funded home just to leave me some money.  I would far rather they spent their last few years in luxury and comfort.

Gadfium

arthurx1234 said:

As i have paid tax and NI contributions for 45+ years and never been given a hand out from the state ie dole, universal credit, housing benefit, free dental etc etc, So i must have paid for numerous scumbags to sit on thier !!!!!! in the house smoke and drink and drain the nhs and taxpayer ie ME and possibly you, so its time for me to be "creative" with my assets, but ironically  it will not be me who benefits but the kids,  sometimes i wish we were like Wayne & Waynetta slob

Arthur

So, in other words, you want to be just like the "numerous scumbags" that you so clearly despise. What a weird worldview that you have.

Sailtheworld

arthurx1234 said:

Gadfium said:

arthurx1234 said:

Yes we are trying to avoid care home charges

Niiice....so you want the taxpayer to fund your care in your dotage. Why would you want to throw yourself on the benevolence of others and why would you want to spend your last years in a place that won the council contract by being the lowest bidder?

When you go on holiday, do you pick the absolute cheapest doss-house that you can find and eat from soup kitchens too?

As i have paid tax and NI contributions for 45+ years and never been given a hand out from the state ie dole, universal credit, housing benefit, free dental etc etc, So i must have paid for numerous scumbags to sit on thier !!!!!! in the house smoke and drink and drain the nhs and taxpayer ie ME and possibly you, so its time for me to be "creative" with my assets, but ironically  it will not be me who benefits but the kids,  sometimes i wish we were like Wayne & Waynetta slob

Arthur

You've probably got as creative as you can by changing wills & tenancy arrangements.

However you could up the level of that seething resentment - you might give yourself a Connery - you'd avoid care home fees and your kids could get that oh so important house a bit earlier than they thought. Win win. The World's your oyster for things to get angry about; I notice you've covered some of the more obvious bases but you've barely scratched the surface. Have a read of the comments on a Telegraph article for items to raise the blood pressure - wokedom (whatever that is), immigrants, muslims, Barnier, Gibraltar, the BBC, planning permission, facemasks, Tony Bliar, the scamdemic. You don't need to be selective about the article - all these, and more, will be covered even if it's an article about planting geraniums.

You might also consider becoming morbidly obese.