Care home costs: some worthwhile advice.

I hope that this piece of advice will be of great financial assistance to readers.

I think we are all aware of how appalling care home charges can be and so it is necessary for people to protect themselves.

Firstly, couples who own their own homes jointly should split the house and own one half each. You will need legal advice first but this ensures that the house cannot be taken away and sold to cover costs. Will writing companies often offer advice and this service relatively cheaply.

Secondly, savings of above £13,000 should be lodged in Insurance Bonds as these may not be touched by the authorities and leaves them intact for your heirs.

The amount of people I know who have not followed these simple rules is horrendous. The system rarely works for you - so when it does, it is essential to take advantage of the rules.

Do not delay. Costs of between £450 and £700 p.w. are just not funny!

Irrespective of age, get a good financial adviser on your case - you really could live to regret not doing so!

No, seriously - delay ye not!