If you want to move into a luxury care home or pay to get the best help you will have to cover that extra cost yourself.

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You don't have to suck your stomach in, walk backward or wear a sarong to cover those parts of yourself you're too scared to have surgically corrected.

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Hand in a perfect resume, attach a cover letter if possible, have references ready and present yourself professionally on the interview.

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So start out by making it clear: Are you planning to repay the loan yourself or do you expect your child to cover all or part of it?

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On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous.

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