Enjoy later life

Karen Neville

later life

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Later life gives much to embrace and much to consider but it can also be a worrying time, help is at hand whatever your needs

With a variety of options available how do you choose the care which is right for you and yours? Broadly speaking there are three main options: domiciliary, live-in and residential.

Domiciliary care allows you to stay in your own home with visits from a carer. The intensity and frequency of domiciliary care visits will be determined by your needs, it maybe that short-term ‘dom care’ will suffice after a hospital stay for example, but it may be that more regular care is needed albeit for relatively low-level care needs. You may find that just an hour or two a day is sufficient to meet your needs which may include just daily care and essential tasks.

Dom care allows you to maintain easy contact with family and friends and grants a degree of independence where possible.

If your care needs are more acute but you would still like to stay in your own home then live-in care may be suitable. You’ll benefit from one-to-one care from a professional caregiver focussing on your needs and giving you and your loved ones peace of mind. This increasingly popular option is more financially viable than residential care. Some care assistants live in all the time whilst others work on a rota system.

There are a wide number of residential care homes providing comfortable living specifically for elderly care. Many are purpose-built to account for a wide range of circumstances with one of many people’s key deciding factors being the social aspect they offer with the chance to live alongside others on a day-to-day basis and enjoy a variety of activities.

Residential care is designed for those needing round the clock care and can also provide practical, emotional and personal support. Residents can keep their independence but also enjoy help with tasks such as bathing and house keeping.

Whatever your living circumstances in later life, staying in touch with friends and family are essential for your wellbeing. According to the Campaign to End Loneliness, half a million older people go at least five or six days a week without seeing or speaking to anyone. Technology can help connect people and provide access to essential services online.

Two devices are tailor made for seniors. GrandPad is an eight-inch tablet which has a touch sensitive screen and includes simple one-touch buttons to access video chats. Families can create a secure social network that only includes approved contacts who can communicate with the GrandPad and share photos and emails. They can also be customised to suit the user’s needs.

KOMP is a one-button computer designed by No Isolation specifically for video chats with loved ones. Looking like an old-style TV with a large screen it has just one button.

KOMP is a receiving device and loved ones will need to download an app to start a video conversation.

The Amazon Echo Show also allows video calls. The latest version includes an interactive screen that rotates with you as you move or interact with it.

There are many kinds of smart devices that can make a big difference to quality of life and help keep you connected with essential services and loved ones.

Smart heating controls can help ensure the home isn’t being heated when it needn’t be and will help save money. Most devices can be fitted to a boiler or heating system and linked to an app. Smart lighting and plug controls can also be activated automatically. Voice activated devices can also help control heating and lighting and can be set up with a ‘trigger word’. Most devices can also make voice phone calls with just a command, vital in an emergency or if not near a phone. Camera doorbells are also worth considering for added peace of mind, especially if you live alone.

How to spot and prevent scams

It’s a sad fact of life that as you age you are often more susceptible to cruel scams and ruthless fraudsters trying to trick you out of your money. It’s perfectly normal to feel worried about these scams but there is plenty of advice to help you spot and avoid scams.

On average, four people aged 50+ are scammed in England and Wales every minute. Age UK has embarked on the Scams Prevention and Support Programme with the aim of helping older people be more aware and to help avoid them.

There are various methods of being scammed to be aware of: Phone scams and cold calls, postal scams, doorstep scams, email scams, investment scams and pension scams.

In all cases, the old adage “if it sounds too good to be true, it probably is” should be paramount. Being scammed can be very distressing, and the impact is often emotional as well as financial. There is support available.

Call the police on 101 if it’s not an emergency or 999 if you feel threatened. If you notice any unusual activity on your bank account get in touch as soon as possible, you’ll find a contact number for your bank on the back of your card.

There are various other support services out there too – Action Fraud: Action Fraud or call on 0300 123 2040. Victim Support provides 24/7 free and confidential support to victims and witnesses of crime. Find out more at Victim Support or call 08 08 16 89 11.

Contact Citizens Advice for information and advice about how to avoid scams and fraud. Their consumer services also provide information and advice on consumer issues by telephone and online, Citizens Advice.

For more advice and support visit Scams advice – How to spot and avoid scams | Age UK or call the free advice line on 0800 678 1602.


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Renting in retirement with Birchgrove

Round & About

later life

The start of a new year is usually a time when some sort of thinking and planning gets underway. Maybe it is a cue for change, and time to look at a retirement option that could be practically perfect in every way.

Renting is no longer the preserve of the young, and like millennials, many in later life are turning towards the flexibility and benefits it offers. The appeal may not be immediately obvious to those accustomed to home ownership, but for a variety of people and reasons it can uplift your whole quality of life and be liberating.

Renting in retirement opens up all sorts of possibilities for people who may otherwise have been excluded from retirement living. They may want to pass wealth on to their children or move to a more expensive area to be near them. At Birchgrove, we’re 100% committed to renting in retirement.

Why rent?

Flexibility is one of the reasons residents find renting so attractive. Such is the case with Diane, who told us why she chose to rent rather than buy. “Flexibility. I’ve moved into a two-bedroom apartment at Birchgrove but I can move into a one bedroom if I want to. I’ve also got the flexibility to move out and into a different retirement facility if I don’t like it here. I really don’t know what my needs will be in the future but renting here gives me the flexibility to move quickly into a care home environment or in with my family without the burden of the house to sell.”

Another reason rental is popular with older adults, is many have already built their wealth. They see a lot of money going into the maintenance and repair of their family home and think that money could be put to better purpose. Perhaps into retirement funds that benefit the family or using it to enjoy a better quality of life. So, whilst some argue that paying rent is throwing money down the drain, the truth is this more applies when you are building your wealth. Late renters have a different perspective, they are working out the best way to disperse their accumulated funds and planning and preparing how best to enjoy their future years.

There are of course many advantages to buying off plan. Peter, a retired director, thinks renting his two-bedroom apartment at Woodbank Apartments, Hook Heath is the best decision he’s made. As he explains: “We decided to sell the house and rent somewhere so we could release capital to our children. What persuaded us to rent was we found people had bought flats and then died leaving their families struggling to sell their parents’ flat because people could buy brand new at the site next door. My wife and I fell in love with Woodbank Apartments. We bought early off plan, so we could take our time designing the apartment exactly as we wanted it.”

Birchgrove apartments are not for sale, so you won’t find our retirement advisors pressurising you to buy; they are simply here to help you think about things differently and work out what options are open to you. To find out more visit www.birchgrove.life or call 020 3929 5599.

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A new lease of life

Round & About

later life

A move to McCarthy Stone’s Jupiter House in Milton Keynes has helped give a retired newsagent a social network and greater peace of mind  

Having spent nearly 40 years behind the till of their family-run newsagents alongside her husband, Jill Lee, 75, was used to the hustle and bustle that comes with being at the heart of the community. 

After the loss of her husband Graham over 10 years ago, Jill and her family decided that it could be a good time for her to downsize and luckily, spotted McCarthy Stone’s Jupiter House under construction, just a ten-minute walk from daughter Katie’s home near Milton Keynes. 

“There’s always someone to have a chat with and I’ve got all of my friends right on my doorstep!”

Katie says: “We decided to move mum into a relatively new house, in a quiet cul-de-sac but after 40 years of living in a busy newsagents, it was just too quiet for her and she was becoming quite lonely and isolated.” 

Jill’s younger daughter, Isobel, lives in California with her two children, and with the pandemic severely impacting travel, being closer to loved ones was something the family felt would be beneficial for Jill. Katie says: “We were driving around one day near to where we live in Milton Keynes when we spotted the hoardings going up for Jupiter House. I said ‘why don’t you move here so you’re closer to us?’ and mum agreed so we registered as soon as we could!” 

Jill and her daughter Katie

After so many years being surrounded by people, this was an important factor in Jill’s decision to move, as she explains: “Our life was the newsagents, we used to open at 6am and close at 8pm at night, meeting and talking to people – that’s what we loved to do. When my husband died and I moved, although I had neighbours, they were always out at work, and really, I led quite a lonely life and I missed having people around me. Now, there’s always someone to have a chat with and I’ve got all of my friends right on my doorstep!” 

Since moving into her one-bedroom apartment in May 2021, which she did using McCarthy Stone’s convenient ‘Smooth Move’ scheme, Jill has wasted no time getting to know her new neighbours, and has even started what has become known as ‘The 2 O’Clock Club’ with some of her fellow homeowners. 

As well as offering a much-needed social network it has made a positive impact on Jill’s life and also offered the family greater peace of mind and the safety net of knowing Sarah the House Manager and her team are on hand if needed. Jill added: “We can’t speak highly enough of them; they’re always going out of their way to help.” 

Jupiter House features a selection of one and two-bedroom apartments, built exclusively for the over-60’s. Homeowners can also enjoy a spacious communal homeowners lounge and beautiful landscaped gardens while visiting relatives can make use of the handy hotel-style guest suite. 

Prices for the one and two-bedroom apartments at Jupiter House currently start from £225,000 and £340,000 respectively. Rental and part buy part rent options are also available to make moving even easier. 

For more information on Retirement Living in Milton Keynes, please call 0800 201 4743 or visit www.mccarthystone.co.uk. 

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