Remaining at home with the assistance of a caregiver is the preferred living arrangement for many seniors and others who need some help but wish to retain their independence. To find the right caregiver, most people turn to a full service home care agency like Assisting Hands which screens, hires and trains its employees. Families sometimes believe they will save some money by hiring a caregiver directly rather than working with an agency. When they hire someone directly, they become the employer and are fully responsible for their caregiver employee. There are important considerations that people should be aware of before making this important decision.