From help at home to retirement apartments, pensions to funeral planning, it pays be be prepared, whether you are caring for a loved one or planning for your own later life…
CARE & CARE HOMES
ANN MASON LIVE-IN CARE
Ann Mason Care (AMC) is a well-established and reputable company that provides live-in care in Bath and West Wiltshire.
AMC’s aim is to help clients maintain their independence and lifestyle in the comfort of their own home. This is a cost effective and dignified care option that is proving increasingly popular as it allows clients to stay in control of their daily routines.
AMC carers live with each client and provide services that include general housework, preparing meals, help with pets and assisting with appointments. They are also able to provide more specialised care such as help with dementia and assistance with medication and bathing.
AMC support long term and short term care situations including transition to home after a spell in hospital and respite for the primary carer. Whatever your reasons for needing their help, Ann Mason Care believes that compassion, respect and companionship are fundamental to providing quality care. Call 01225 632223 or see the website for more information.
Enjoying good quality life experiences are important to everyone. These include being able to maintain independence, having control over decisions that affect our lives, maintaining health, learning and maintaining skills and having the respect of others around us. This is important in every area of our lives especially in our own homes. This is where Carewatch can help. The dedicated staff work within their local communities assisting those who need extra help and personal care to do those activities that have become more difficult. The care and support worker can help in many ways providing assistance, reassurance and encouragement to meet the challenges of everyday life. They will provide support and friendship for you and are trained to recognise that there may be a need for more personal care and support and can help you with your more intimate daily routine such as washing and getting ready in the morning. They can provide more intensive care following an illness, discharge from hospital or long-term caring needs, call 01225 719333 for details.
CHANTRY COURT RETIREMENT VILLAGE
Chantry Court is designed specifically to enable everyone to live retirement to the full – whatever their health and mobility. Of the 68 apartments, 55 provide ‘Independent Living’. Go inside, and the look and feel is of a luxury apartment in a well-appointed private development. Only when you study the smaller details do you see they’ve been cleverly and subtly designed for occupiers who aren’t as nimble as they once were. On hand are all the resources and facilities to make life relaxed and fulfilling. A central area has a restaurant, bar, lounge, bridge room, library, hair salon, therapy room, doctor’s surgery and even a cinema whilst the social calendar is brimming with visits, talks, quiz evenings and more. With trained staff on site 24/7, the security is a real comfort, as is the knowledge that help is always on hand and if you’ve ever even just considered the idea of a move to a retirement village, then what better way of seeing whether you like it than taking advantage of an all-inclusive Respite Care Package which start from £450/week. Call 0800 014 7552 to make an appointment to have a look for yourself.
Safe Care is a local company that helps older people with those day to day tasks that get much more difficult as we get older, helping them stay in their own homes in safety and comfort for as long as they can. Their team of nurses can help with a wide range of needs and requirements, including personal care, lunches, general cleaning, laundry, shopping, medication prompting, safety visits and sitting services. They cover a large proportion of the West Wiltshire area, including, Bradford on Avon, Melksham, Trowbridge and surrounding villages. What’s more they operate 7 days a week, 365 days a year, so you can be sure you, or your loved one will be looked after. Call to find out more on 01225 350612.
PRODUCTS & SERVICES
SPITFIRE STAIRLIFTS LTD
Warminster based company Spitfire Stairlifts Ltd provide stairlift sales, rental, repair and servicing in Wiltshire and surrounding counties. The business is owned and run by Mark Scott who is an Acorn trained stairlift engineer. The service that Mark provides is friendly, efficient and professional and he will even come to your home for a no obligation survey. He can supply and fit starlifts for curved and straight stairs and the re-conditioned lifts can usually be installed the very next day. What’s more they all have a 1 year warranty and all the stairlifts supplied are slimline models not the older more bulky ones. The stairlifts are slim fitting, ensuring the stairs can be used by others, have easy to use controls and a remote control system for calling the lift. Call Mark on 01985 800150 to find out more.
WILTSHIRE FARM FOODS
For people who want to enjoy life to the full, there aren’t always enough hours in the day to prepare a meal from scratch or go shopping. With a delicious range of frozen meals delivered directly to the front door, Wiltshire Farm Foods helps people eat well and look after themselves in their own home, whatever their plans.
Wiltshire Farm Foods’ award-winning chefs and dietitians have cooked up a range of over 300 delicious dishes – from breakfast through to evening meals. Each meal is prepared using quality ingredients from trusted suppliers, with great care taken to serve up nutritious, tasty food in an ethical and sustainable way.
Convenience is another big part of the Wiltshire Farm Foods service. All meals can be ordered over the phone, online or by post with free delivery directly to your front door by a friendly, police-checked delivery driver, who is always happy to stack meals away neatly in the freezer.
When you’re ready to eat, simply remove the meal you fancy and pop it straight in the microwave or oven to cook from frozen in a matter of minutes. There’s no preparation, no pots and pans, just delicious meals to be enjoyed in your own home, in your own time.
Another big benefit of Wiltshire Farm Foods is that the service is completely commitment-free, customers can order as much or as little as they like, whenever it suits them. And with main meals starting at just £2.95, they offer good value as well as nutrition and flavour. For more information about Wiltshire Farm Foods in contact 01225 776793 or visit the website for a free NEW brochure.
LEGAL & FINANCIAL ASSISTANCE
The ageing population, and the juggernaut that is the cost of elderly care (either at home or in a more structured residential environment), is what abdcare is all about. The system of care is complicated. abdcare help explain the ins and outs of the system and provide bespoke solutions for those with long term care issues.
Specifically abdcare advises on the system, how to get assessed for community based care or NHS Continuing Health Care. abdcare also specialises in asset protection to include the provision of Lasting Powers of Attorney, appointment out of pension benefits, issues relating to people’s houses and how it should be owned plus Wills. Particular emphasis is placed upon lifetime gifts and Trusts to take advantage of the 7 year rule.
Another aspect of abdcare is with regard to elderly abuse. This is a big issue whether it be financial, physical, psychological or otherwise. abdcare can advise, help and, importantly, protect you and your loved ones from elderly abuse. Call 0800 0728 636 to find out more.
How you choose to build up cash or other assets for your retirement is up to you. There is no doubt that saving, using the tax advantages and relatively low cost of a pension plan, is the best way to build up the largest lump sum. Pensions have changed dramatically, now benefiting from far more freedom, flexibility and choice than ever before. The Government stakeholder initiative has slashed charges and you no longer have to buy a fixed annuity or accept poor investment choice. Unspent pension funds can also now be bequeathed to survivors and even the next generation, often tax free so there is less excuse than ever before! It is however vital to grasp that your retirement provision will need to be in the hundreds of thousands of pounds before a decent income can be realised after you retire. This sounds daunting but there are things you can do. Start now by reviewing any existing private pension arrangements you have to see if you can reduce charges and boost performance. Also ensure you are at least saving something every month via a modern flexible investment ISA or competitive pension arrangement.
When you reach retirement age do not undo all the good work by simply accepting the first annuity you are offered; there are now so many choices and so much freedom that it is easy to make the wrong choice and undo all your years of saving. By contrast Kingfisher IFA regularly deliver significant boosts to client’s income, as well as giving flexibility and control to those who seek professional advice making this time well spent. As one of the regions most qualified and experienced IFAs Richard Salter, a Bradford on Avon resident and Partner at Kingfisher Trowbridge, is pleased to offer a no obligation free first meeting to help ensure you are on track, enjoying the best value for money and decent growth prospects as well as making the most informed retirement choices when the time comes. Contact Richard on 01225 776652.
If you have money or property and become unable to deal with your affairs because of an
accident or illness your assets may be frozen. If you have a stroke, or develop Alzheimer’s, your family may have to apply to the courts to deal with your affairs. This can be expensive, may take a year or more to complete and a large sum of money may have to be deposited with the courts.
A Lasting Power of Attorney is a legal document that gives somebody of your choice the power to deal with your financial affairs if for any physical or mental reason you were unable to. It is the only document which gives this power but you can only complete one while in good health, so you need to act as soon as possible. WTP Online are specialists
in writing Wills, advising on Trusts and helping with Probate. To make an appointment for a home visit telephone 01225 400060.
CO OPERATIVE FUNERALCARE
The Southern Co-operative Funeral Plan is tailored to your individual needs so you can choose exactly what you want. The cost is guaranteed and inflation proof, protecting you and your loved ones from ever-rising costs.
The average cost of a funeral has soared well above the rate of inflation in recent years and is expected to rise further. By choosing to plan now, you are paying at today’s prices. Whether the funeral takes place in 5 or 10 years time, there will be no extra or hidden costs to your partner, relatives or executor.
An easy payment scheme allows you to spread the cost from one to five years through monthly instalments, securing the cost for a fixed monthly payment. The Southern Co-operative Funeral Plan is valid in over 1,100 Co-operative Funeralcare branches across the UK and includes a 28 day cooling off period for complete peace of mind. To find out more, visit a local branch in Frome, Warminster or Westbury or visit the website.
Young Johnson is a specialist masonry firm based in Westbury. It is a family business, now in its sixteenth year, looked after by Nick and Helen Johnson who are dedicated to supplying the highest quality of personal attention and service. Each of the memorials is individually crafted to the highest standards using only the best quality materials. They specialise in crafting memorial headstones, carvings, kitchen work areas, fireplaces and any other type of stone masonry. Young Johnson use traditional and modern methods to produce new memorials but can also help with renovations and additional inscriptions. Individual designs can be made to order and they will even arrange a home visit with no obligation if it is necessary. The friendly and well informed staff will be happy to assist you so contact them on 01373 859629 to discuss your requirements with one of the specialists they have on site.