Wednesday, October 24, 2007

Looking After The Elderly, Frail, Bedridden & Terminal: banks, books etc

My friend T wrote to me after I sent him the advice below, so I thought it might be useful to you.

Thanks a million. This is incredibly useful information ( and I don't think I am using the superlative in vain)/  Topic for another book perhaps. My dad will be very grateful to you for this. Really appreciate it and especially like the point about removing a solicitor from the will - Yes we already thought of that one and have done it. God bless you for this 'B'

From: angelalansbury@hotmail.com
To: A friend whose father is ill
Subject: Everything You Need
Date: Wed, 24 Oct 2007 22:35:

Dear Friend
If you left your father's bedside to go back to work, social services would have to do something. But if you are able to take time off work, I am sure you will always be glad you were there.

A hospice is probably better than a hospital where nobody has time for you and you are left in a side ward staring at bare walls. You also risk getting MRSA and clostridium difficile.

All sorts of people can provide commodes and bath aids and devices for lifting you upright in bed at home and so on:
a) Social services in your area. And the rival next county will happily tell you why your area is not doing what it should!
b) Help the Aged.
c) Age Concern.

Carers' Association offers respite. Local Carers' Association has information.

You should be claiming a carers' allowance for your father or for yourself.

RNIB. Blind.
RNID. Deaf. They have magazines, websites and advice lines.
They can lend things to you, or sell at a discount.

WWII veterans can claim allowances.

Local church of which you are a member can send visitors. Christmas or holiday gifts of food for the sick, and a card, and a visitor.

GP. Might have leaflets.

Meals on wheels deliver food. So do supermarkets. Some milkmen. Other services online will deliver fruit and vegetables. Or complete tray meals. To name just one: Wiltshire Farm Foods.

Send one line letter to local newspaper asking for advice.

If going into hospital, check whether they have DNR (do not resuscitate) on the patient's notes.

Keep the phone numbers of the consultant and your GP with you. The hospital's staff might decline to phone them. But you can. Your GP probably won't know the patient has gone into hospital.

Get all bank accounts in joint names so funds aren't frozen.

Get father to help you list all debits and credits. Have all share certificates to hand ready to deal with probate or get names changed.

Take out ISAs or Tessas (tax free allowance bonds). Pass on the amount you are allowed to pass on.

Get the Power of Attorney forms signed.

Wills - will forms are available to be bought on line. Or copy the wording of your old will and add any extra points. You need two witnesses who are younger than he person making the will. Witness should not be a beneficiary. Organizations such as Help The Aged usually have sample wills and advice leaflets.

Find out where to turn off water and electricity. How to open windows.

Identify all doorkeys. Back door. Shed. What's in the shed - anything important? Where are instruction books for the lawn mower?

How much do you pay the cleaner and gardener? What do you give them for Christmas?

Do you wish to be buried or cremated? Put this in writing.

If two wives - do you want to be buried beside first wife, in previously preserved plot, which your children will want, or to be cremated, which second wife might prefer?

Identify everybody in address book as friend or business associate.

Choose music or reading for funeral.

Where are the gravestones of spouses and parents? To get somebody buried in the grave of deceased spouse you will need the cemetery name, location, phone number, name of previously deceased spouse, gravestone number.

Strike solicitor out of will. They can hold up proceedings, charge by the hour, keep your documents, and charge admin fee percentage.

Funeral expenses - keep copy of cost because you claim them off inheritance tax.

If he's up to talking, ask father where he and his wife met. Why he chose your name. Why family surname? Why his name? What year did he marry and where? Anything you want to know which you will never be able to find out once he's dead? Ask him about his parents and grandparents. Did he lose touch with any siblings?

Get out photos and label them and date them. Which ancestors are on old wedding photos?

Is anything in house borrowed?
Promised to a relative?
You'd be amazed how many people say I loaned him that or he promised me that.

Offer goods to family before selling them of giving them to strangers. Better to offer souvenirs to other members of the family who don't like to ask than to give everything to charity shop and find irate relatives wanted items.

If you go into hospital in my area they can't release you until they have care arrangements in place.

Don't rely on others to call social services. My local social services called late on the day my father died, after he'd been ill a month, and said nobody had told him the case was urgent.

If you need any help and want to talk it through just give me a call. Sometimes as you explain a problem, and what you have tried so far, and what is not provided, the answer of what you need, where to get it, what to do, just pops up.

Your library will have books on funerals and probate.

Hope this helps.
***
Reading this again, much later I would like to add some new precautions.
PS Who sends you Xmas cards? Anybody overseas? I spent weeks trying to track down a lady, first name only, from the USA - eventually found her name in an address book.

Go through address book. Ask your hospital patient to explain, all those people called John, or Al? Are they plumbers or old friends, or old friends who happen to be plumbers?

After my uncle died, I felt obliged to ring everybody and tell them he had died, giving his formal name in an unemotional voice. If they replied, 'Oh no! We had lunch last month? Who are you?' the conversation was different from the plumbers. They would answer, "We are plumbers, Why are you telling us this?' I replied, 'In case he's on your mailing list, you might wish to save yourself the cost of brochures and postage.' To which they usually replied, 'Oh, yes. I only started today, good idea, I'll take him off the mailing list. Good idea.'

While you're at it, ask for the passwords for all the book clubs which have subscriptions. That will enable you to cancel the unread, unwanted books which keep piling up on a sale or return basis, when you cannot return because the answering machine demands the password.

Tuesday, August 28, 2007

Dying and Living in Hospital - A Better Way

Dying in hospital can be lonely, boring, miserable. Hours just lying there staring at a blank wall or stark ceiling.

Home has familiar items. Photos of the family. Your preferred colours.

Anybody stuck in hospital more than 24 hours should be able to adapt the room to their taste.

PICTURE FRAMES
The hospital could have a wipe clean photo frame. It has a choice of two pictures (reversible). Plus a slot in front where you can place your own family photo. (Labelled on the back with your name and address in case you leave it behind.)

Or you could buy pictures from the trolley to put in the slot. When you leave hospital you can take the picture with you or donate it to the hospital so that subsequent visitors have a choice of pictures.

FOOD DONATIONS
Patients often want to donate chocolates to nurses. How about donations to sponsor food for patients?

Christmas dinners. Extra fruit juices, not just orange. Fresh fruit in season. Between meal snacks for those who need to put on weight.

COLOUR
For example, why not have a choice of colour schemes. Say blue, green or orange. A couple of pictures. Or blankets with edging in the colour of your choice.

Or a view of a wall where you can choose the picture projected by a central lantern or laser system.

If you can choose from a dozen pictures on a computer, why not adapt this to a hospital wall.

And instead of a tiny TV which can be seen by the nearest person in a multi-bed ward, obviously a large screen.

Design a hospital like a hotel.

HYGIENE
Motels have self-cleaning shower rooms. Hospitals in the UK often have filthy shared toilets and public bathrooms. Install self-cleaning and self-drying ones.

And those Japanese toilets which wash you after using the toilet. They must make you feel more comfortable as well as being more hygienic.

HAIRDRESSING
In hospital I had a visiting hairdresser. Can't afford it? Maybe student hairdressers under supervision, or school-leavers on work experience, could volunteer to wash the hair of people in hospital, starting with those who have injuries rather than infections.

SUGGESTIONS PLEASE

Monday, June 18, 2007

Seller Beware - Selling Property and Propert Agents' Secrets

Any agents out there? Tell us some secrets.

Agents who cheat you - show nobody around, get their own relatives to make a low offer - buyers who give the agent a bribe for pushing a low offer - every now and then a friend tells you a story and you think it's hearsay, then you read about such a case in the newspapers and wonder if it's widespread.

What safeguards should we take?

Any agents, ex-agents, disgruntled ex-employees want to tell us seller beware?

(UK estate agent. USA real estate.)

Selling Property - Tips On Making More Money

Don't go for a sole agency. If you do, make a time definite limit. But if you make it three weeks or a month, you are likely to be told that you now have an offer and wait. That falls through. Then there's another offer.

My experience is that I went for a sole agency which would have cost less commission than multiple agencies. However, the property did not sell so I ended up accepting a lower offer which meant the sale earned less money than I might have got with more agencies reaching a bigger pool of customers.

While the property is empty it could cost you money:

1 In a flat you are still paying maintenance.

2 In the UK if the council previously paid the maintenance when your elderly relative goes into sheltered housing or any care home the council will no longer pay the maintenance on the home not occupied.

3 In an unoccupied house the insurance will go up.

4 Why? Because your empty property is more likely to be broken into by thieves or vandals.

If you have not got a sale or even an offer in three months it is time to give your property to another agent or consider renting it.

Give your property to the agent in the richest area so that your buyers can afford the asking price and aren't waiting to sell their property to move.

Friday, March 30, 2007

Looking after Elderly Relatives:Handbags and money

After your elderly relative goes into a care home, you will probably still have to make a lot of phone calls and receive phone calls. You will probably still get calls such as the following:

1 Chat
From your relative : 'Please phone me every day. There's nobody I can talk to. Everybody else is ga-ga.'
This could involve you in several calls because

a) The office does not answer during mealtimes.
b) The office has to go and find your relative.
c) The office is too busy or not staffed.
d) The care home has more than one lounge and TV room so you are kept waiting.
e) Your relative has have moved rooms.

2 Shopping
'Please take me out shopping. I need new clothes and shoes. '

3 Outings
'Please take me out on Sunday afternoon. Everybody else is collected by their family and I'm the only one sitting on my own.'

4 Finance
'Please take me to the post office or bank because I need money. '

5 Property
'My house needs to be sold. '

You need to contact family around the world to get agreement.

They may need to come tot he property to choose items they wish to be given.

The relative's clothes and souvenirs must be given to them - could take several visits.

Valuables and documents must be saved and distributed.

House clearance people must be met for estimates.

Goods must be delivered to family, friends, charity, former neighbours, staff at the care home who asked for things.

House clearance people must be let into the property.

If the property is left empty marks will be left on walls showing where furniture and pictures and sockets were, so painters must be let in to decorate ready for sale.

Reach agreement with letting agent as to who holds the key to the property (eg caretaker of flats) and whether they expect a fee or 'tip' or whether they are paid and that is included in the
fee charged by the letting agent or sales agent.
6 'My post needs to be collected.'

7 'I need letters from social security and the bank answered. '

8 'Social security are visiting me to see whether I am eligible for a grant and I need to produce documents. '

You might also get calls from the care home saying:

'She / he wants to go out for a walk in the fresh air and needs an escort to be sure she / he does not fall over and we don't have enough staff.'

'Your relative has take a large amount of money out of the bank. It's in their wallet in their bag and they leave it behind on the chair in the hall or lounge when they go to talk to another resident of answer the phone. We can't persuade them to put it in our safe. Please come and sort this out. '

Glossary:
UK handbag = US purse
UK purse or wallet = US billfold