Purchasing any new churchill stairlifts is a big deal. It’s an involved and expensive process. Moreover, due to the nature of stair lift equipment, most people enter the process with little to no experience. For this reason, it’s crucial to be not only aware of stair lift prices but to know what to expect during the process in order to prevent the stair lift service from ripping you off.

For many people, the need for stair lift equipment is unexpected, and the need is immediate. This is unfortunate because it makes people prone to quick decisions. The most important thing you can stress among your family is the need for patience. You want to enter this process armed with as much information as possible.

The first order of business will be to contact your insurance company and any applicable government programs. In addition to starting that process, they will also be able to direct you to resources specific to your area. Factoring in equipment, installation and miscellaneous fees, you should expect a minimum commitment of $2,000 before insurance. However, costs can range substantially higher depending on your specific needs. You should shop around to find the best stair lift prices.


Your particular stairway will be the primary determining factor of price. Standard, relatively straight stairways are the most common, and therefore the equipment is cheapest. Curved stairways or stairways with unique decorative elements require factory modification that will add to the price substantially.

Power Source

The stair lift equipment often requires an outlet near the stairs. If your home does not have such outlets, then you have to factor in the cost of an electrician. Typical American outlets are 120 volts and 15 amps, but some stair lift equipment requires either a 220-volt or a 20-amp outlet.


The warranty of your stair lift is an important component of the purchase. Many people can get by with the basic warranties. However, the general rule of thumb is to invest in a more comprehensive warranty if you expect to utilize the equipment four or more times per day.

Control Mechanisms

There is great diversity among the remote and on-board control devices for stair lift equipment. Examine the full range of choices before you make a decision.

New or Used

Consider used and refurbished equipment, which can provide substantial savings. This type of equipment is an especially good choice for limited use or as an emergency purchase.

Speak to the sales representatives from several services. If you’re as patient as is possible considering the situation and do the necessary research, you’ll know what to expect and how to avoid being ripped off.
A "reverse" mortgage is a loan against your home that you do not have to pay back for as long as you live there. With a reverse mortgage, you can turn the value of your home into cash without having to move or to repay the loan each month. The cash you get from a reverse mortgage can be paid to you in several ways:

* all at once, in a single lump sum of cash
* as a regular monthly cash advance
* as a "credit line" account similar to a credit card.
* as a combination of these payment methods.

No matter how this loan is paid out to you, you typically don't have to pay anything back until you die, sell your home, or permanently move out of your home. To be eligible for most reverse mortgages, you must own your home and be 62 years of age or older. This is covered in great detail at reversemortgagealert.org.

Other Home Loans

To qualify for most loans, the lender checks your income to see how much you can afford to pay back each month. But with a reverse mortgage, you don't have to make monthly repayments. So you don't need a minimum amount of income to qualify for a reverse mortgage. You could have no income and still be able to get a reverse mortgage.

With most home loans, you could lose your home if you don't make your monthly payments. But with a reverse mortgage, there aren't any monthly repayments to make. So you can't lose your home by not making them. Most reverse mortgages require no repayment for as long as you — or any co-owner(s) — live in the home. So they differ from other home loans in these important ways:

* you don't need an income to qualify
* you don't have to make monthly repayments

"Forward" Mortgages

You can see how a reverse mortgage works by comparing it to a "forward" mortgage — the kind you use to buy a home. Both types of mortgages create debt against your home. And both affect how much equity or ownership value you have in your home. But they do so in opposite ways.

"Debt" is the amount of money you owe a lender. It includes cash advances made to you or for your benefit, plus interest. "Home equity" means the value of your home (what it would sell for) minus any debt against it. For example, if your home is worth $150,000 and you still owe $30,000 on your mortgage, your home equity is $120,000.
Falling Debt, Rising Equity

When you purchased your home, you probably made a small down payment and borrowed the rest of the money you needed to buy it. Then you paid back your traditional "forward" mortgage loan every month over many years. During that time:

* your debt decreased; and
* your home equity increased

As you made each repayment, the amount you owed (your debt or "loan balance") grew smaller. But your ownership value (your "equity") grew larger. If you eventually made a final mortgage payment, you then owed nothing, and your home equity equaled the value of your home. In short, your forward mortgage was a "falling debt, rising equity" type of deal.

Rising Debt, Falling Equity

Reverse mortgages have a different purpose than forward mortgages do. With a forward mortgage, you use your income to repay debt, and this builds up equity in your home. But with a reverse mortgage, you are taking the equity out in cash. So with a reverse mortgage:

* your debt increases; and
* your home equity decreases
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Here you will find tips and information about retirement communities. As we age we deal with a large number of changes and choices that we must make. One of the most important choices is whether to live in a retirement community or not. They can be extremely helpful, beneficial and will allow you to keep your independence and do all of the things you love while maintaining your health. We want to make your decision easier so we have provided you with some information about retirement communities, tips on choosing the best one for you and some financial information.

Most everyone knows what a retirement home is and they typically do not have the best reputation. It might seem scary to reach your older years and approach retirement and you might feel a little lost but we want to help you. Retirement communities are much different than retirement homes. Active retirees can move to a community full of their peers and friends, participate in a large number of activities and learn new things every day, all while maintaining a healthy lifestyle.

Retirement communities promote an active lifestyle for their residents and they provide you with effortless care and protection. Living in a community will enable you to meet people of your same age range with same interests and allow you to make meaningful and fulfilling relationships.

If you choose to move to a retirement community you have almost an endless amount of choices. You can choose your community based upon location, size, activities, community, price and many other things. You are able to pick the ideal place that you want to spend your retirement and make sure that you will be happy, comfortable and healthy there. Ultimately the choice is yours but it never hurts to get the opinions of the ones closest to you. You may want to be close to your family and they can help you settle into a community nearby.

It is a tough decision because you will spending most, if not all, of your time in the community. Making sure you are comfortable and happy there is top priority. We wanted to give you some tips and things to look for when you are choosing the right retirement community. We hope that you find our advice helpful and that you are pleased with the decision you make. Remember not to rush into anything, there is no deadline. You can even try and stay overnight in a community to see how you like it. Talk to as many people there as you can. Chat up the residents, ask staff questions and even attend a class or activity. Making sure that you are comfortable in a retirement community is the most important thing.

If you are having a hard time deciding whether or not you should or could move into a retirement community, ask someone. Write down any questions you have about them and go to your doctor, the closest community, or someone who lives in a retirement community and ask them all of your questions. Chances are you know someone who lives in a community and had the same questions as you and they are always there to help you out.

It can be a big investment to move into one of these communities which is why you should consider seeing a lawyer or financial consultant before signing anything. They will be able to tell you what you can afford, for how long, and realistic goals to set for yourself. We think it is extremely important that you are in control of your finances so that you’re aware of how much money you have and where it is going if you do decide that retirement community living is for you.

Do not let anyone persuade you into moving somewhere you do not feel totally comfortable with. Make sure the staff is knowledgeable, that your health will be taken care of and that you feel comfortable living there before you make any decisions. This is a big move and it is your future so the final decision should be yours and yours alone.

While there is no rush to move into a retirement community, timing is something to take into consideration. The sooner you make the move, the better. Your health is the most important thing and if you move into a community while you are healthy you will be able to benefit from all that they have to offer. You are also more likely to be accepted into the community if you have no major health issues. They typically want retirees who are physically active with no serious health problems to live there to avoid having major medical staff required on site at all times.

Deciding where you want to live is an important and crucial decision and we hope we have made your decision a little bit easier. No matter which route you choose to go we hope that your health and happiness are maintained and you enjoy your retirement!
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