No beds, no blankets, dogs giving birth on cold concrete floor! What a heartless

When you are still working and supporting yourself through your monthly salary, the last thing on your mind is something like long-term care. Most people think that being cared for in their older years will mean that they will have to give up their home. There are few things more frightening and depressing than being forced out of the home you love and where you feel comfortable. The good news, however, is that homeowners can continue living in their current home while being cared for by a professional.

Many companies and health institutes offer the services of part-time and full-time caregivers. Having somebody by your side is important in the event of any kind of emergency, and they can help you perform several tasks around the house from cooking and cleaning to bathing, eating, and more. Of course, such professionals need to be paid for their services and, if you find yourself short on cash, this is where equity release plans come into play.

Homeowners can choose between various equity plans that will either release a lump sum or monthly amounts for a period of time. The amount that can be accessed will depend on several factors including the value of their property and the homeowner's age. This money can then be used to pay for professional care in the comfort of your own home rather than being "shipped off" to some facility.

It's really important for homeowners to understand the benefits as well as the terms and conditions related to these plans. Not all equity release providers off the same terms and it's always a good idea to shop around and compare several offers before making any final decisions. Once you sign and agree to an equity release, you cannot simply change your mind and pay it back or sell your home. There are such issues as early exit fees that need to be considered. It's also important to make sure that the provider you choose complies with all the regulations set out by the Equity Release Council and that they offer such security features as a "No Negative Equity Guarantee". Consider the option of paying off the interest on a monthly basis or, if you are unable to do so, you can allow the interest to accumulate, and it can be paid back upon the eventual sale of your home. If you are concerned about leaving something behind for your loved ones, there are also some policies that offer an inheritance guarantee.

It's almost December, no beds, no blankets, dogs giving birth on cold concrete floor! What a heartless, barbaric action 😠

San Bernardino Animal Manager and Interim Lt. Frank Macomber removed all the beds, so the dogs have nothing to give birth on except for the cold concrete floor.

These 2 ladies are pregnant !
--Shelters are the WRONG place for newborn puppies - ESPECIALLY WHEN THE MANAGER HAS REMOVED BLANKETS AND BEDS FROM THE KENNELS 😡 Puppies will not survive on cold concrete!
*Left: 2 yo EMMA -very friendly and sweet -#A519597
*Right: ID#A519854 -female, black Chihuahua

---SAN BERNARDINO SHELTER, CA—
Interim Shelter Manager: Lt Frank Macomber (Macomber_fr@sbcity.org)
Closed Sun and Mon Telephone: (909) 384-1304, ext 1515
Assistant to Jennifer Van Ness: Marsha McCurley (McCurley_Ma@sbcity.org)

STATUS : - read comment for update from crossposter
Now that mortgage providers are asking for such high deposits, the price of even the smallest starter home is now out of the reach of many first time buyers. That, plus the fact that house prices are now on the increase again, means that more and more parents are looking to equity release mortgages to provide the cash to give their children a helping hand onto the property market. If you are looking for a way to get your hands on the equity that is tied up in your home, here are the facts that you need to know.

What is an equity release mortgage?

An equity release mortgage unlocks the value that you have tied up in your property and turns it into cash, which can be used for any purpose you choose. Such arrangements are available to homeowners who are age 55 or over and they usually require no monthly repayment, they are repaid from the proceeds of the eventual sale of the property.

Why would you need to use an equity release mortgage?

Over the years, the price of houses has risen fairly steadily, which has led to many older people finding themselves in the situation of having money tied up in their property, but still being unable to afford to help their children buy a property or even pay for their own health care. An equity release plan enables them to realise that cash, but does not require them to move out of their home.

What types of plans are available?

Different providers offer different types of schemes and the main types are as follows. There are home reversion plans, where you sell the property, but you still have the right to live in it. Drawdown lifetime mortgages are schemes where you retain ownership of the property and borrow against the value of the property when you need to and, a simple lifetime mortgage, is one where you drawdown all the equity value in one go. In all cases, the value of the loan, plus the interest, is repaid when the property is sold.

Are there any downsides to equity release mortgages?

Equity release plans used to have a bad reputation because people didn't really understand what they were signing up for. Today, however, they are properly regulated and the terms are well documented by lenders. When you take out a mortgage release plan, you are borrowing money and there will be fees and interest payable. That means that are reducing the amount of money that your family will inherit and the family home will be sold to repay the loan. You should also make sure that any money you receive will not impact on your state benefit payments.

How do you find the best equity release mortgage for you?

As is the case with any type of mortgage, each lender has their own particular schemes with different terms, different fees and interest rates, and different degrees of flexibility. Most schemes will still be available to you even if you are not in the best of health and with many, you can still move home if you wish to. The best thing to do is talk to a financial advisor, tell them about your circumstances and your requirements, and they will be able to recommend the best equity release plan for you.

Life certainly doesn't end at 50 and doesn't get any less complicated either. For more straight talking advice on mortgages and the various types of mortgage interest rates.

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