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Hi, The situation ii New Zealand is somewhat similar the Government expects you to pay . if you have any money they will take a lien on the family home. To get over this most people form a trust and transfer all their assets to the trust so that you personally do not own anything .In my own case my trust owns the house and all my investments I am the sole trustee so that I still control everything.. If I have to go into a resthome at some later date the government cannot touch any of my assets I am sure this situation would apply in other countries ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn