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Golden Years ROADSHOW

Golden Years ROADSHOW

Sponsored by:

Local 50 Plus Show

Friday 8th March 2013

Door proceeds donated to:

Lots of fantastic promotions from local companies PLUS many varied and interesting activities including: Live Zumba Classes, Magician, Treasure Hunt, Quiz Zone, Seminars, Food Demonstrations and much more!

A CHOICE OF NINE SUPERB CARE HOMES, EACH PROVIDING THE BEST QUALITY OF CARE Within Merseyside, you’ll find nine superb Bupa care homes that provide their residents with a wide range of expert and truly individual care. So whether you need long-term care, respite care or day care, you can rest assured you’ll be looked after in comfortable and safe surroundings by highly trained staff who always put residents first.

Arncliffe Court Nursing and Residential Home - 147b Arncliffe Road, Halewood, L25 9QF Broadoak Manor Nursing Home - Mulcrow Close, Parr, St Helens WA9 1HB Ennerdale Nursing Centre - Longmoor Lane, Fazakerley L9 7JU Hillside Nursing Centre - Hillside Avenue, Huyton L36 8DU Mersey Parks Residential and Nursing Home - 99 Mill Street, Toxteth L8 5XW Rowan Garth Nursing Home - 219 Lower Breck Road, Anfield L6 QAE St Nicholas Nursing Home - 21 St Nicholas Drive, Netherton L30 2RG Stonedale Lodge Residential and Nursing Home - 200 Stonedale Crescent, Croxteth L11 9DJ The Manor House Nursing Home - Moreton Road, Upton, Wirral CH49 4NZ

For more information, or to arrange a visit to a Bupa care home, call 0800 012 1508 quoting CH2680, visit


Sponsored by:

Door proceeds donated to:

Golden Years ROADSHOW Welcome to the Golden Years Roadshow


eLCOMe tO tHe Merseyside Golden Years Roadshow. We would like to say a huge thank you to all of our exhibitors and visitors at the event. A special ‘thank you’ is reserved for our sponsors Costco Wholesale who have worked very hard behind the scenes to help make the day fun, entertaining and hopefully a big success. Above all we have tried to make the event ‘local and community based’, while still being fun and informative. To the exhibitors ‘thank you’ for coming along to the event and been prepared to try something new which is growing and developing. Should you have any opinions or new ideas to help improve the road shows, please feel free to email us at with your comments. Equally should you wish to be involved with future events also drop us a line at the same email address. The team would love to speak to you. To the visitors, a great big ‘thank you’ as without you this

would all be pointless. We hope that you will be able to take something away from today’s event whether it is a new found love for ‘Zumba’, or even a better understanding of what you need to do to improve your finances. Some of you may even be going home with prizes? Be sure to try the treasure hunt, the quiz zone, and the balloon race! All are offering free prizes and a bit of fun on both floors of the exhibition. We would also like to say a ‘thank you’ to all the exhibitors who have tried to raise much needed funds for the charities at the exhibition. They have been the inspiration for this event, and we do hope that the event has managed to raise a nice amount of funds for them. Please make sure you spin the roulette wheel before you go home as all proceeds are going to League of Welldoers and Woodlands Hospice. And a final‘thank you’to the management who have worked tirelessly to make this event the success we hope it will be.

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GOLDEN YEARS ROADSHOW 11/02/2013 • MARCH 14:57 2013


A world of shopportunities Costco Wholesale Ltd is not just a great place to shop but has become a near way of life for hundreds of thousands of people across the UK.


He AMerICAN WHOLesALe giant, has become a familiar sight in many cities, since it expanded into the UK back in 1993. For those that Qualify to join the ‘Costco Club’, the doors are open to a unique and addictive shopping experience which gives access to a multitude of top quality items at unbelievable value. So whats the secret? Huge no frills warehouses, coupled with massive bulk buying power and careful selection of items, enable Costco to deliver impressive savings without compromising on quality. Customers need to join the shopping club and pay an annual membership fee. This helps keep operating costs low so that Costco can drive prices low. “Every effort is made to deliver the lowest possible price to our members”, says Andrew Westwood, Costco Liverpool’s General Manager. “ If we cannot have the best price on the market, then we won’t sell the item. Our selection covers every conceivable category from Diamonds to baked beans.

We are especially proud of our large vitamin and supplement department. It has been a huge growth area in recent years and a perfect example of how we deliver amazing savings to our members” he adds. “Our Glucosamine HCI and Chrondroitin suplhate supplement; whose prime job is to nourish and support joint and connective tissue is sold at just 10.7p per tablet. This is 350% cheaper than the same item on the high street. Our 50+ vitamin tablets are almost 400% cheaper than on the high street at just 3.4p per tablet.”. “Costco also provide unexpected services such as a photo processing lab, tyre fitting bay, bakery, meat and deli departments as well as an in-house


opticians.” The optical department, offers eye exams with qualified opticians which include the use of a fundus camera; this checks the back of the eye for potential problems that would otherwise be missed. With a full range of frames from top designers such as Chloe, Vivianne Westwood, D&G and Police plus top of the range lenses from Zeis and Essilor, the Costco Optical department offers a complete service at incredible prices. Contact lenses and sunglasses are also part of the line-up. For an unbeatable shopping experience contact Costco today on 0151 224 7670, visit the website or pop and see them on their stand at today’s show for membership details. n 5


Can your relationship survive retirement? Think about your relationship after retirement and how do you see it? Languorous breakfasts together in the conservatory? Couples-only cruises? Holding hands on long walks along the promenade? In reality, retirement can put a lot of stress on even the most secure of relationships, after years spending just a few hours together a week you’re suddenly plunged in to 24 hours a day, seven days a week with the same person. So how do you ensure your relationship survives retirement? Prepare for success

Take time BEFORE you retire to evaluate your relationship and how you intend to make the most of it when you have more time together. Talk about what you imagine your life will be like and to discuss the places where your fantasies don’t match. Make a plan which both of you are happy with — where will you holiday? Will you move house? What hobbies will you enjoy together and apart?

Manage your expectations

Be aware that retirement won’t be perfect every step of the way. Spending all this time together will result in some disagreements so don’t expect a bed of roses, excitement every day or constant romance. Appreciate what you have in your stable relationship and the time you have together in retirement.

Share your hobbies

Supposing your husband loves golf, or your wife is a gardener extraordinaire. Spend time appreciating your other half’s passions, whether you enjoy them or not. A relationship is all about give and take and you never know, you may discover a skill for putting or a love of roses yourself.

But not all of them

In every relationship, from the fledgling romance to the long-standing love, couples need space from each other. Make time just for you and allow your partner to spend time apart as well. This may involve taking solo holidays, spending time with friends or taking a class. But if it just means taking a relaxing bubble bath a couple of times a week or reading a book in the study, that’s good too.

Stay positive

When you and your partner find yourself in each other’s company day in, day out you’ll undoubtedly come across problems. But even if hidden resentments bubble to the surface, you disagree on how to spend (or save) your nest egg or you just begin to get under each other’s feet, keep a positive outlook, remember why you looked forward to this time and enjoy it as best you can.

If in doubt ask for help

It might be as simple as chatting with a friend or you might choose to contact a relationship counsellor but the important thing is that you know there’s no shame in admitting there’s something not right in your marriage. Retirement can be more stressful than any of us expect but ask for help and take advice and it can be just as wonderful as you hoped.

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Tailor made products and services for the over 50s • Home Insurance • Travel Insurance • Car Insurance • Gas and Electricity • Personal Alarms • Funeral Plans

For a no obligation quote, visit: Age UK Merseyside Trading Limited 5 Bold Street Liverpool, L1 4DJ Tel 0151 707 7020 Open: Mon-Fri 9.30-4.00 or call

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Home, car and travel insurance are provided by Ageas Insurance Limited. Gas and Electricity is provided by E.ON Energy Solutions Limited. Age UK is a registered trademark of Age UK (Charity number 1128267). The use of the name and logo Age UK is done so under a licence agreement between Age UK and Age UK Enterprises Limited, its commercial services arm. Net profits are donated to Age UK. Age UK Enterprises Limited. Tavis House, 1–6 Tavistock Square, London WC1H 9NA. ID200457 03/12 MP2210V3MAR12-SL038694_13

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Making the most of retirement


fter 40 years in the workplace, it’s easy to think of yourself as heading for the scrapheap when retirement beckons. But look at your retirement as a new lease of life and the opportunity to enjoy yourself, and retirees don’t have to mark the dawn of a lifetime of daytime soaps and complaining to the local paper. At this time of life, perhaps more than ever before, your health is absolutely paramount. Keep in touch with your GP, take advantage of free medical care and charge-free prescriptions, including the all important flu jab, mammograms and prostate checks. Keep ageing at bay by taking up regular exercise, whether it’s a round of golf twice a week, joining a local walking group or taking up the local leisure centre’s discounts on OAP swimming and exercise classes. It’s advice you’ve no doubt heard

before, but it’s important to remember that mental health is just as important as bodily health. From the morning crossword to reading last thing at night keep your brain ticking over in a way that suits you. Try brain training games, take an organised holiday or join up to a local book club or pub quiz team. Those of us leaving work now remember a time when the world wasn’t there for a taking as it is for our children and grandchildren. But take a leaf out of the younger generation’s book and perhaps you’ll find yourself tempted to relocate – which of course you now can – or maybe you’ll even rediscover romance on a remote island. Retirement gives you time to yourself, to relax and do all of those things you’ve been putting off for so many years while working and raising children have taken priority. So use it well, enjoy yourself and do what makes you happy – you deserve it. n

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MT Liverpool 109x150_Layout 1 13/02/2013 16:42 Page 1



Tue 2 - Sat 6 April 2013

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I retired as a postman a few years ago...

...and to be honest hadn’t really done much in the way of exercise since. I joined the Champions because I thought it would be a good way to get out of the house and meet people. Since I started I’ve trained as a walk leader in Anfield and lead the walk every week, rain hail or shine! Being a champion has given me the motivation to make other health changes and I feel so much better for it.

We are currently recruiting local people as volunteers to train and become champions within their own communities. As a champion you will have a toolkit and a network of support that enables you to make positive changes to you own life and motivate others to do so too. In return you’ll receive fantastic training and support from our team at PSS and you’ll have the chance to meet new people and try new things. So if you have some time to spare and the life experience to inspire others, give us a call on our champion hotline: 0151 702 5574 or email us at




Sponsored by:

Door proceeds donated to:






















Entrance from Lobby and to Seminar Area 21











Exhibitors 1. 2. 3. 4. 5. 6. 7.


Costco Bupa Care Homes Parker Kelly Financial Moorcrofts Solicitors Olympus Health Club and Spa Saving Faces Age U.K. Knowsley

8. 9. 10. 11. 12. 13. 14.

Sterling Care and Support David Ogden Holidays Social Media Zone CK Travel Versatile Lift Company Wilcocks and Associates Epilight New Skin Clinic

15. 16. 17. 18. 19. 20. 21.

To be confirmed Liverpool Mutual Homes Age U.K. Merseyside PSS Associates Canter Levin Berg Solicitors Redmayne Bentley Simply Health




Local 50 Plus Show

Golden Years ROADSHOW

Friday 8th March 2013 the health Zone



Classes are available throughout the day which include Zumba Classes

11 12

food deMo Zone STAGE 34




There will be two food demonstrations at 11am and 1.30pm where food samples will be available to taste.

Magic shoW

10.30om, 12.30pm and 2.00pm

Seminar Events and Times QuiZZes


1.30pm and 3.00pm

elvis act

12.00pm and 2.30pm 15




MOORCROFTS SOLICITORS Wills: Explaining Power of attorney ................11.00am


22. 23. 24. 25. 26. 27. 28.

Peace of Mind Wills Freshfield Financial Asmall Hall W.R.V.S South Liverpool Homes Allerton Hearing Medicash

PARKER KELLY FINANCIAL Equity Release How does it work? ...............11.30am

29. 30. 31. 32. 33. 34. 35.

Woodlands Hospice One Vision Housing VNC Lifeline Liverpool NHS League of Welldoers Nugent Care Liverpool Empire Theatre

CANTER LEVIN BERG Protecting your assetts – Care Home Fees ....................1.00pm VICTOR WELSH SOLICITORS Wills and probate – Why make a will? .................2.00pm

Please note: whilst care and attention has been made to the best of our abilities at time of going to print exhibitors, stand numbers, times and features are all subject to change with little or no notice. MARCH 2013 • GOLDEN YEARS ROADSHOW



The top ten benefits of a golden age

Fifties are the new golden age

1. Being in relatively good health 2. Having more time to enjoy life 3. Being In a relatively good financial position 4. Having a relationship that is stronger than ever 5. Being comfortable with your body 6. Happiness with life achievements so far 7. The mortgage being paid off 8. Knowing what you want from life 9. Having children who are happy and content with their lives 10. Being able to take lots of holidays.

If you’ve hit 45 and are feeling down in the dumps, don’t despair — the good times are on their way.


k, so your face has a few extra lines and there are a couple of surplus inches around your waist, but new research has shown that we are actually getting happier as we get older. A study of 10,000 people across the UK has revealed that our mental satisfaction increases after middle age, despite a drop in our physical quality of life. Dr Saverio Stranges, who led the research at Warwick University, said: “It’s obvious that people’s physical quality of life deteriorates as they age, but what is interesting is that their mental well-being doesn’t deteriorate – in fact it increases. He said, ”We suggest that this could be due to better coping abilities, an interpretation supported by previous research showing older people tend to have internal mechanisms to deal better with hardship or negative circumstances than those who are younger. ”It could also be due to a lowering of expectations from life, with older people less likely to put pressure on themselves in the personal and professional spheres. ”The study analysed lifestyle and health patterns to measure quality of life using eight different factors including perception of general health, pain, social functioning and mental health. It also looked at being overweight, and found that people with a BMI of more than 30 showed a similar mental quality of life level to those considered to be a healthy weight. The effect of sleep on quality of life also formed part of the study and discovered that people who spend between six and eight hours in bed have better physical and mental health scores than those who slept fewer than six or more than eight hours a night. The findings echo those of a survey of more than 1,500 people aged 50 and over by insurance company Engage Mutual.

Being in a strong relationship, having paid off the mortgage and the children being happy and independent are key to a golden age in your fifties with 44% of those questioned saying they are more content with their lives than ever before. With increased life expectancy, being 50 is considered to be relatively young and those who have managed to stay healthy and been able to plan their finances may start to feel the benefit with more cash to spend on holidays and hobbies, rather than working just to pay the mortgage. Many parents reported a sense of relief when their children settled down with 52% saying they enjoy having more time on their hands, and more than a fifth enjoying a great social life and good circle of friends. Another big bonus is that the things we worried about in our twenties and thirties no longer seem so important, with 85% of over 50s admitting that they have long ceased to care about relatively trivial and transient issues. And over a third say they no longer worry about whether they are good looking or thin. n

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Find out more at GOLDEN YEARS ROADSHOW • MARCH 2013

Asmall Hall Care Home

“Excellence Comes as Standard�

Providing Short Term or Long Term Care for adults including Day Care. Our 17th Century, prestigious building set in 5 acres of gardens and, opened as a care home more than 20 years ago. Whilst retaining its many original homely features and comforts, we have adapted to provide a luxury, caring facility. Situated within 2 miles of Ormskirk centre, only half a mile from the bus stop makes us within reach of many other community activities by mini-bus or taxi. Inspection invited without obligation where some of our devoted staff have worked at the home since its opening in 1991. We at Asmall Hall pride ourselves in the delivery of high quality, Person Centered Care by providing regular training and supervision for our staff as we aim to maintain and continually improve our services for your benefit.

A Quality Service is the only acceptable one! Proprietors and Managers are Mrs. Jennifer and Mr. Allen Chapman with Unit Manager Mrs. Tracey Farrington.

Tel: 01695 579548


Asmall Hall Care Home, Asmall Lane, Scarisbrick, Ormskirk, Lancashire L40 8JL. Fax: 01695 579978 email:

Dr Terry Bowley

If you’ve had blood in your poo or looser poo for 3 weeks, your doctor wants to know. It could be the early signs of bowel cancer. Finding it early makes it more treatable and could save your life. If you require this information in other formats (i.e. braille, large print leaflets, audio, BSL/Subtitles), please contact 0151 285 4565, and they will send it to you or if you want to volunteer to raise awareness of cancer symptoms in the Liverpool community, please contact Health Promotion on 0151 285 4975’

Award Winning Share Dealing and Investment Management One of the UK’s largest independent stockbrokers providing award winning share dealing and investment management services since 1875.

Are you a Bull or a Bear? Come and join us on our stand to have a chance of winning a luxury hamper! Simply predict the closing figure of the FTSE 100 on 18th March 2013. For further information on our services: Telephone: 0151 242 6262

Awards for customer service. Investments and income can fall as well as rise in value; therefore, your capital is always at risk.

Visit: E-mail:

Members of the London Stock Exchange . Authorised and Regulated by the Financial Services Authority Redmayne-Bentley LLP is a Limited Liability Partnership . Registered in England and Wales No: OC344361 Registered Office: 9 Bond Court, Leeds LS1 2JZ . Telephone: 0113 243 6941 . VAT No: GB 613 139 763 6239_Golden Years Roadshow 109x150.indd 1


30/01/2013 17:09



Pensioners plan to keep working - and playing The changing face of retirement in the UK means thousands of people are choosing to work past the age where they traditionally said goodbye to the daily grind and hello to relaxation.


eCeNt fIGures frOM the Office of National Statistics show that average retirement ages are rising, with men now an average age of 64.6, compared with 63.8 in 2004, and women working until 62.3 years compared with 61.2 previously. Now a new study has revealed that two in five people planning to retire this year would be happy to work past 65 if they had the chance — however only 13% would choose to stay on with their current employer. The main motivation for more than two thirds of this year’s retirees who want to keep going is a desire to remain physically healthy and mentally active, while more than 54% say they enjoy working and nearly 40% turning their noses up at the prospect of being stuck at home. However nearly half would prefer to work part-time, either with their current employer or in a new role, more than one in 10 are thinking about starting their own business or earning money from a hobby while five per cent would work as charity volunteers. The Class of 2012 study by Prudential, which looks at the finances and expectations of those planning to retire this year, shows that 48% of men and 32% of women would be happy to continue working past the standard retirement age. Retirement expert Vince SmithHughes says: “There is a new retirement reality taking shape across the UK, with thousands of people actively choosing to work past the traditional retirement age. “The fact that so many of this year’s retirees would keep working on a part-time basis is a strong indication that, for many, working is as much about staying young at heart as it is about funding retirement. “Gradual retirement is an increasing trend among

pensioners, whether this means remaining in the same job on a flexible basis or even setting up their own business. Those retiring at 65 will face an average of 19 years in retirement which makes the finanountry, those planning to retire this year in East of England were the keenest to stay part of the workforce with 54% opting to work past 65 if they had the option. Nearly half of Londoners and 45% of people in the South East would also like to keep working. However, just 29% of Scots are happy to work past 65 given the choice, along with 30% of retirees in Wales and Yorkshire & Humberside, and only 21% of those in the North East. Saving money to ensure they have enough to live on in retirement is the top priority for people intending to retire this year, although 62% of women are more likely to prioritise saving than men at 52%. Despite this, they are all determined to have a fun-filled retirement. More than a third say that spending money travelling the world will be a priority, while 43% pledged to put themselves first and intend to lavish spare lolly on themselves. Giving to charity and spending money on fighting the ageing process are low priorities — fewer than one in 20 imageconscious pensioners intend to spend on anti-ageing treatments, while only slightly more will prioritise giving money to charity. Smith-Hughes continues: “Today’s retirees are likely to spend longer in retirement than previous generations so it is encouraging to see that they understand the importance of saving money to ensure they can live comfortably. Saving shouldn’t be regarded as something that suddenly stops once you retire, and the current generation of retirees seems to be more aware of this than ever before. “It’s not only about saving though; many retirees in the Class of 2012 are determined to spend money on enjoying themselves. n

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Sheltered Housing Liverpool Mutual Homes provides sheltered retirement accommodation for residents aged 55 years or over in each of our 17 purpose built schemes located across Liverpool. Our schemes benefit from extensive mature gardens, quality fixtures and fittings and have an ongoing programme of fitting new level access bathroom facilities and modern designer kitchens in progress. If you think that LMH Sheltered Housing could be for you, why not pay us a visit and see the services and facilities we offer? To make arrangements please call any of the schemes listed. Further information is available online at Scheme Name Alderwood Lodge Appledore Court Carnarvon Court Devon Court Dingle Grange Flaxman Court Handel Court Kilrea Lodge Mazenod Court Meadow Court Parkhill Court Pine Lodge Portland Gardens Shallcross Court Telford Court Thomas Winder Court White Oak Lodge

Address 2 East Mains, Speke L24 Dymchurch Road, Speke L24 Carnarvon Road, Walton L9 Tynmouth Close, Anfield L5 Dingle Brow, Beloe Street L8 Botanic Grove, Edge Lane L7 Lodge Lane, Liverpool L8 Kilrea Close, West Derby L11 Addison Way, Holy Cross L3 Out Lane, Woolton L25 Parkhill Road, Liverpool L8 Crain Close, Walton L4 Walsh Close, Vauxhall L5 Breckfield Rd South, Liverpool L6 Harbord Street, Liverpool L7 Great Mersey Street, Liverpool L5 Beechwood Road, Liverpool L19

Telephone Number 0151 425 4562 0151 486 8460 0151 521 3236 0151 260 4348 0151 727 3885 0151 264 9783 0151 727 8302 0151 256 6277 0151 236 1887 0151 428 5393 0151 727 5204 0151 260 4144 0151 207 3590 0151 263 5965 0151 708 9601 0151 207 6838 0151 427 9158








A I © Lovatts Puzzles


Create as many words of 4 letters or more using the given letters once only but always including the middle letter. Do not use proper names or plurals. See if you can find the 9-letter word using up all as letters. Create many words of

418letters orVery more using Good 26 Good 32+ Excellent the given letters once ________________________________ only but always including ________________________________ the middle letter. Do not ________________________________ use proper names or ________________________________ ________________________________ plurals. See if you can fi________________________________ nd the 9-letter word ________________________________ using up all letters. ________________________________ 18 - Good ________________________________ 26 - Very Good ________________________________ 32+ Excellent

_________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________


QUICK PUZZLE 120 Clues Across 1 Superficially emotional (11) 9 Eccentric (3) 10 Instruction (9) 11 Brazilian dance (5) 13 Oozing (7) 14 Whimsical (6) 16 Struggle (6) 18 Tolerates (7) 19 Principle (5) 20 Salt of carbonic acid (9) 21 Sickly pale (3) 22 Searchers for oil or gold (11)

Clues Down 2 Terminate (3) 3 Greek letter (5) 4 Type of dessert (6) 5 Closest (7) 6 Violent motion (9) 7 Effect (11) 8 Exciting curiosity (11) 12 Wanderer (9) 15 Decreases in width (7) 17 Get free (6) 19 Robbery (5) 21 Conflict (3)

CROSSWORD ANSWERS: Across: 1 Sentimental 9 Odd 10 Education 11 Samba 13 Seepage 14 Quaint 16 Strive 18 Endures 19 Tenet 20 Carbonate 21 Wan 22 Prospectors. Down: 2 End 3 Theta 4 Mousse 5 Nearest 6 Agitation 7 Consequence 8 Iinteresting 12 Meanderer 15 Narrows 17 Escape 19 Theft 21 War


Wheel Words


Our work includes:

Providing residential care and nursing for elderly people and adults  Support to people living with physical and mental health issues  Specialist care for children and young people in care homes and special schools  Volunteering scheme  Community support projects for vulnerable and marginalised individuals including:  Homelessness support  Services for people who are Deaf or hard of hearing  Welfare and material aid If you would like more information about any of our services or to get involved in fundraising events please contact us on 0151 261 2000 or email: 

Nugent Care is a North West based social care charity, allied to the Archdiocese of Liverpool, which has provided support to the local community for 130 years. Registered Charity: 222930

If you are kindly contemplating leaving a legacy, please consider leaving it to Nugent Care.


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Visit the Huyton Hub your charity shop and services centre supporting older people, families and carers         

Information and Advice Benefits Advice Please donate Home Services Computer Lessons to our charity Clubs Services shops Visiting Service Ageing Well Plus Day Trips Service Older People’s Involvement

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Call 0151 449 1018 Age UK Knowsley & West Mersey 41 Derby Road 237-239 County Road Huyton Walton Merseyside L36 9UQ Liverpool L4 5PE The new name for

Age UK Knowsley & West Mersey is the working name of Age Concern Knowsley a registered charity no. 1113035, and a company limited by guarantee registered in England and Wales No. 05411456. Registered Office: Huyton Hub, 41 Derby Road, Huyton, Merseyside L36 9UQ

Lifeline poster A4_Layout 1 21/07/2010 11:52 Page 1

Design, production and print solutions for Magazines, Event Showguides and Show Programmes t: 01273 467579 w: e: Adur Business Centre, Little High Street, Shoreham-by-Sea, BN43 5EG magazineproduction #magazine production Registered members of ‘Buy with Confidence’ Scheme with West Sussex County Council Trading Standards

MPC QP 0313 Golden Years Ad.indd 1

21/02/2013 16:14

Olympus is an exclusive Luxury Health Club and Spa in the heart of Liverpool. Featuring Gym facilities, a Luxurious Spa, Hot Classes and Treatments.

Call the club on 0151 236 7493 or visit our website at * Limited memberships available terms and conditions apply.



Here at Canter Levin & Berg Solicitors our legal team can help you when it comes to sorting out your assets as part of your will or as a lifetime gift. We can also provide advice regarding many other issues relating to wills, powers of attorney and financial arrangements for later life. Visit our website: Or call:

0151 239 1000


or most home owners, their home is their greatest asset and their desire to pass their property or the value in their property to their children is paramount. Concerns over funding nursing care are leading to increasing numbers considering the option of a lifetime gift.

Your property is a valuable asset, and you may need to use the capital in the property for your own benefit at some stage in the future. If you have made a gift of your property, you will not be able to release capital from it, should you need to do so. If you make an outright gift of your home to your children, it will become an asset of theirs, and in the event one or more of your children divorce, it may be treated as part of their assets in a financial settlement. A lifetime gift of your home may also give rise to a capital gain for your children in the future, if they already own their own home. You should also consider the position if one of your children where to file for bankruptcy. It is important to be aware that a lifetime gift of your home, if you intend to continue to live in it, will not work to reduce the value of your estate for Inheritance tax purposes, as it is a gift with a reservation of benefit. If you are not concerned about Inheritance Tax, but wish to avoid paying for nursing care in the future, the value of your home may still be taken into account for funding purposes as there are anti-avoidance measures in place. It is possible your Local Authority may, if required to fund your care, seek to have the value of your home added back into your assets. Lifetime gifts raise a whole host of issues, not least how you should protect your right to reside in the property, in the event it is your intention to continue to live in it. It is not unknown for a child to die before a parent, and you should consider what would happen in that situation. It is vitally important to carefully consider all your options and take appropriate advice from your legal advisor as to how you may best protect yourself in your plans for the future.

Dawn Joughin

Head of Private Client Law Canter Levin & Berg Solicitors

JOIN COSTCO TODAY! Did you know, as a

Retired Employee you may qualify for Costco Membership? Costco is a membership warehouse club that sells a wide selection of top quality brand name merchandise at low warehouse prices. Individual Membership* You qualify for Individual Membership if you belong to specific employment groups – please see below for details of qualifying categories. To join Costco and start saving please provide your employee ID card or current pay slip to prove your employer, PLUS a current utility bill (electricity, gas, telephone, water) or a bank statement addressed to your home. The annual membership fee for Standard Individual Membership is £25 (plus VAT), which includes a complimentary card for your spouse or domestic partner. Individual Members Eligibility Criteria Retired employee of: Banking/Finance, Civil Servant, Education, Fire/Rescue, Insurance, Local Government, Medical/Health Service, Police Force, Post Office, Airline.

Free eye test and £25 optical voucher if you sign up for Membership with this advert. Costco Liverpool only Valid until 30/06/13

Join in the warehouse or online:


For further information, please contact our Membership Team at Costco Liverpool on

0151 224 7670 *

Membership Criteria applies. Accepted methods of payment: cash, debit card, cheque or American Express. Membership must be obtained before purchases can be made.

Costco Liverpool 30 Waterloo Road Liverpool L3 7HY T: 0151 224 7670 E: Central Membership: 01923 830 477

Golden Years Roadshow, Merseyside, 6th March 2013  

Welcome to the local over 50 retirement shows around the North of England. Find out if there's one near you....

Golden Years Roadshow, Merseyside, 6th March 2013  

Welcome to the local over 50 retirement shows around the North of England. Find out if there's one near you....