golden years roadshow, merseyside, 6th march 2013

Golden YearsR O A D S H O W


MerseysideLocal 50

Plus ShowFriday 8th March 2013

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!

Door proceeds donated to:Sponsored by: Door proceeds donated to:Door proceeds donated to:Sponsored by:Sponsored by: Door proceeds donated to:

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

visit bupa.co.uk/goldenyears

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

A CHOICE OF NINE SUPERB CARE HOMES, EACH PROVIDING THE BEST QUALITY OF CARE

WELCOME

3MARCH 2013 • GOLDEN YEARS ROADSHOW

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

visit bupa.co.uk/goldenyears

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

A CHOICE OF NINE SUPERB CARE HOMES, EACH PROVIDING THE BEST QUALITY OF CARE

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Free home assessment

1301039-b-FINAL.indd 1 28/01/2013 13:29

Door proceeds donated to:Sponsored by: Door proceeds donated to:

WeLCOMe 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 [email protected] 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 fi nances.

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 off ering free prizes and a bit of fun on both fl oors 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 fi nal ‘thank you’ to the management who have worked tirelessly to make this event the success we hope it will be.

Welcome to the Golden Years Roadshow


4 GOLDEN YEARS ROADSHOW • MARCH 2013

S O L I C I T O R S

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Mr. M J Forsythe, B.A (Hons); R.H.A.D; M.S.H.A.AHearing Aid Audiologist

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SHOP


tHe 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 eff ort 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 fi tting bay, bakery, meat and deli departments as well as an in-house

opticians.”The optical department, off ers

eye exams with qualifi ed 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 off ers 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 www.costco.co.uk or pop and see them on their stand at today’s show for membership details. n

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.

RELATIONSHIPS IN 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 exPectationsBe 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 hobbiesSupposing 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.

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?

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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

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

For a no obligation quote, visit:Age UK Merseyside Trading Limited5 Bold StreetLiverpool, L1 4DJTel 0151 707 7020Open: Mon-Fri 9.30-4.00

or call 0800 085 3741 or visit www.ageuk.org.uk/products


Call us now on: 0844 3356584 email: [email protected] visit: www.peaceofmindwills.co.uk

As a member of the Institute of Professional Willwriters and holders of the Society of Trust and Estate Practitioners Advanced Certificate in Will Preparation, we offer free consultations in your own home without any obligation regarding:

• Wills• Lasting Powers of Attorney• funeral Plans• Trusts

• Protecting Assets from Long Term Care and remarriage

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RETIREMENT HEALTH


After 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

Making the most of retirement


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Equity Release Making More From Your Investments Mortgages Annuity Advice

Pre Retirement Planning Inheritance Tax Planning

Long Term Care Advice Estate Planning

Parker Kelly 5th Floor Vincent House 17 Stanley Street Liverpool L1 6AA Tel – 0151 236 7838 Email – [email protected]

Parker Kelly Financial Services are authorised and regulated by the Financial Services Authority. The Financial Services Authority does not regulate some aspects of inheritance and tax planning


...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.

I retired as a postman a few years ago...“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 [email protected]

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

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Exhibitors1. Costco2. Bupa Care Homes3. Parker Kelly Financial4. Moorcrofts Solicitors5. Olympus Health Club and Spa6. Saving Faces 7. Age U.K. Knowsley

8. Sterling Care and Support9. David Ogden Holidays10. Social Media Zone11. CK Travel12. Versatile Lift Company13. Wilcocks and Associates14. Epilight New Skin Clinic

15. To be confi rmed16. Liverpool Mutual Homes 17. Age U.K. Merseyside18. PSS Associates19. Canter Levin Berg Solicitors20. Redmayne Bentley21. Simply Health

Door proceeds donated to:Sponsored by: Door proceeds donated to:

V E R A N D A

Entrance from Lobby and to Seminar Area

KEEP FIT ZONEZUMBA

DANCE CLASSES

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FUN CASINO

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V E R A N D AV E R A N D AV E R A N D AV E R A N D AV E R A N D A


MerseysideLocal 50

Plus ShowFriday 8th March 2013


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.

Seminar Events and TimesQuiZZes1.30pm and 3.00pm

elvis act12.00pm and 2.30pm

seMinarsMOORCROFTS SOLICITORSWills: Explaining Power of attorney ................ 11.00am

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

CANTER LEVIN BERGProtecting your assetts – Care Home Fees ....................1.00pm

VICTOR WELSH SOLICITORSWills and probate – Why make a will? .................2.00pm

the health ZoneClasses are available throughout the day which include Zumba Classes

food deMo ZoneThere 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

22. Peace of Mind Wills23. Freshfi eld Financial24. Asmall Hall25. W.R.V.S26. South Liverpool Homes27. Allerton Hearing28. Medicash

29. Woodlands Hospice30. One Vision Housing31. VNC Lifeline32. Liverpool NHS33. League of Welldoers34. Nugent Care35. Liverpool Empire Theatre

V E R A N D A

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FOOD DEMONSTRATIONS

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V E R A N D A

GOLDEN AGE


Ok, 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.



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The top ten benefits of a golden age1. Being in relatively good health2. Having more time to enjoy life3. Being In a relatively good

financial position4. Having a relationship that is

stronger than ever5. Being comfortable with

your body6. Happiness with life

achievements so far7. The mortgage being paid off8. Knowing what you want

from life9. Having children who are happy

and content with their lives10. Being able to take lots

of holidays.

Fifties are the new golden age

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

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

C a r e H o m eAsmall Hall“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.www.asmallhallcarehome.co.uk

Fax: 01695 579978 email: [email protected]

QUALITY GUILD

Asmall Hall B5 Page.indd 1 31/01/2013 12:28

If you’ve had blood in your poo or looser poo for 3 weeks, your doctor wants to know.

nhs.uk/bowelcancer

It could be the early signs of bowel cancer. Finding it early makes it more treatable and could save your life.

Dr Terry Bowley

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’


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

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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 fi gure of the FTSE 100 on 18th March 2013.

For further information on our services:

Telephone: 0151 242 6262

Visit: www.redmayne.co.uk/liverpool

E-mail: [email protected] for customer service.

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

6239_Golden Years Roadshow 109x150.indd 1 30/01/2013 17:09

reCeNt fIGures frOM the Offi ce 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 fi ve 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 fi ve per cent would work as charity volunteers. The Class of 2012 study by Prudential, which looks at the fi nances 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 Smith-Hughes says: â€œThere is a new retirement reality taking shape across the UK, with thousands of people actively choosing to work past the traditional retirement age. â€œThe 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. â€œGradual retirement is an increasing trend among

pensioners, whether this means remaining in the same job on a fl exible basis or even setting up their own business. Those retiring at 65 will face an average of 19 years in retirement which makes the fi nanountry, 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-fi lled

retirement. More than a third say that spending money travelling the world will be a priority, while 43% pledged to put themselves

fi rst and intend to lavish spare lolly on themselves.

Giving to charity and spending money on fi ghting the ageing

process are low priorities — fewer than one in 20 image-

conscious pensioners intend to spend on anti-ageing treatments, while only slightly more will prioritise

giving money to charity. Smith-Hughes continues:

â€œToday’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. â€œIt’s not only about saving though; many retirees in the Class of 2012 are determined to spend money on enjoying themselves. n

WORK, REST AND PLAY


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.

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rStatistics 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 fi ve 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 fi ve per cent would work as charity volunteers. The Class of 2012 study by Prudential, which looks at the fi nances 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 Smith-Hughes says: â€œThere is a new retirement reality taking shape across the UK, with thousands of people actively choosing to work past the traditional retirement age. â€œThe 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. â€œGradual retirement is an increasing trend among

a fl exible basis or even setting up their own business. Those retiring at 65 will face an average of 19 years in retirement which makes the fi nanountry, 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-fi lled

retirement. More than a third say that spending money travelling the world will be a priority, while 43% pledged to put themselves

fi rst and intend to lavish spare lolly on themselves.

Giving to charity and spending money on fi ghting the ageing

process are low priorities — fewer than one in 20 image-

conscious pensioners intend to spend on anti-ageing treatments, while only slightly more will prioritise

giving money to charity. Smith-Hughes continues:

â€œToday’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. â€œIt’s not only about saving though; many retirees in the Class of 2012 are determined to spend money on enjoying themselves. n

Travel Money. Direct To your door.

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 www.liverpoolmutualhomes.org

Scheme Name Address Telephone NumberAlderwood Lodge 2 East Mains, Speke L24 0151 425 4562Appledore Court Dymchurch Road, Speke L24 0151 486 8460Carnarvon Court Carnarvon Road, Walton L9 0151 521 3236Devon Court Tynmouth Close, Anfield L5 0151 260 4348Dingle Grange Dingle Brow, Beloe Street L8 0151 727 3885Flaxman Court Botanic Grove, Edge Lane L7 0151 264 9783Handel Court Lodge Lane, Liverpool L8 0151 727 8302Kilrea Lodge Kilrea Close, West Derby L11 0151 256 6277Mazenod Court Addison Way, Holy Cross L3 0151 236 1887Meadow Court Out Lane, Woolton L25 0151 428 5393Parkhill Court Parkhill Road, Liverpool L8 0151 727 5204Pine Lodge Crain Close, Walton L4 0151 260 4144Portland Gardens Walsh Close, Vauxhall L5 0151 207 3590Shallcross Court Breckfield Rd South, Liverpool L6 0151 263 5965Telford Court Harbord Street, Liverpool L7 0151 708 9601Thomas Winder Court Great Mersey Street, Liverpool L5 0151 207 6838White Oak Lodge Beechwood Road, Liverpool L19 0151 427 9158

Sheltered Housing

Sheltered half page advert.indd 1 17/04/2012 18:06

PUZZLES


CROSSWORDS AND PUZZLES

QUICK PUZZLE 120 Clues Across 1 Superfi cially 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 Confl ict (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________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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 letters.

Wheel Words

© Lovatts Puzzles

L

N

C

B

TI

A

O

A 18 Good 26 Very Good 32+ Excellent

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 orplurals. See if you can fi nd the 9-letter wordusing up all letters.

18 - Good26 - Very Good 32+ Excellent

_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


If you would like more information about any of our services or to getinvolved in fundraising events please contact us on 0151 261 2000 or email: [email protected]

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

www.nugentcare.org

Nugent Care is a North Westbased social care charity,allied to the Archdioceseof Liverpool, which hasprovided support to the local community for 130 years.

� 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

Registered Charity: 222930

Our work includes:

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MPC QP 0313 Golden Years Ad.indd 1 21/02/2013 16:14

Visit the Huyton Hub your charity shop and services centre supporting older people, families and carers Information and Advice Benefits Advice Home Services Computer Lessons Clubs Services Visiting Service Ageing Well Plus Day Trips Service Older People’s Involvement

Call 0151 449 1018 Age UK Knowsley & West Mersey 41 Derby Road 237-239 County Road Huyton Walton Merseyside L36 9UQ Liverpool L4 5PE www.ageukkwm.org.uk 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

Please donate to our charity

shops

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

Call the club on 0151 236 7493 or visit our website at www.olympushealthclubandspa.com

* Limited memberships available terms and conditions apply.

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

Olympus QP 0213.indd 1 18/02/2013 12:47

For 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 JoughinHead of Private Client LawCanter Levin & Berg Solicitors

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: www.clblaw.co.ukOr call: 0151 239 1000

For 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 Fvalue in their property to their children is paramount. Concerns over F funding nursing care

Visit our website: www.clblaw.co.ukwww.clblaw.co.ukOr call: 0151 239 1000

Costco Liverpool30 Waterloo RoadLiverpoolL3 7HY

T: 0151 224 7670E: [email protected]

Central Membership: 01923 830 477www.costco.co.uk

* Membership Criteria applies.Accepted methods of payment: cash, debit card,cheque or American Express. Membership mustbe obtained before purchases can bemade.

For further information, please contact ourMembership Team at Costco Liverpool on

0151 224 7670

Free eye testand £25 optical

voucher if you signup for Membershipwith this advert.

Costco Liverpool onlyValid until 30/06/13

COSTCO LIVERPOOL WILL BE ATTENDING THEGOLDEN YEARS ROAD SHOW ON FRIDAY 8THMARCH 2013. VISIT OUR STALL ON THE DAY TOSEE IF YOUQUALIFY. SIGNUP FORMEMBERSHIPON THE DAY AND RECEIVE A FREE GIFT!

Join in thewarehouse or online:

www.costco.co.uk

JOIN COSTCO TODAY!Did you know, as a

Retired Employeeyoumay qualify for CostcoMembership?

Costco isamembershipwarehouseclub thatsellsawideselectionof topqualitybrand namemerchandise at lowwarehouse prices.

IndividualMembership*You qualify for Individual Membership if you belong to speci�c employmentgroups–pleaseseebelowfordetailsofqualifyingcategories.To joinCostcoandstart saving please provide your employee ID card or current pay slip to proveyour employer, PLUSacurrent utility bill (electricity, gas, telephone,water) or abank statement addressed to your home.

The annual membership fee for Standard Individual Membership is £25 (plusVAT),which includesacomplimentarycard foryourspouseordomesticpartner.

IndividualMembers Eligibility CriteriaRetired employee of:Banking/Finance, Civil Servant, Education, Fire/Rescue, Insurance, LocalGovernment,Medical/Health Service, Police Force, Post Of�ce, Airline.

104_MagAd_v3_Jan13_240x170:Layout 1 12/2/13 15:05 Page 1

golden years roadshow, merseyside, 6th march 2013

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