Results 1 to 30 of 57
Thread: I am ready
-
29th September 2014 #1
I am ready
Well I think I am ready to say, "let's go", or am I?
Do I have enough funds? Well yes and no, who knows.
"Where do we live?" Ems asks. I don't care.
"Well I am not ready", Ems says. That stumps me.
Back to the drawing board
-
29th September 2014 #2
- Join Date
- Aug 2010
- Location
- Marikina City
- Posts
- 26,785
- Rep Power
- 150
It takes 2
Don't take decisions for all the wrong reasons you'll be risking a happy life .....just my view
-
30th September 2014 #3
you've made a few post about finances, so some doubts are there Steve, but your doing the right thing to weigh everything up. its a big decision
-
30th September 2014 #4
I know Ems wants to work here for a few more years and I cannot blame her for wanting that too.
I am quite prepared to wait, and like you say Joe, there are lots of plans to make before we both can say this is it. The longer I stay here the more we shall have, but time is running out very, very fast now,
I think this coming next year will make a big difference for me with the new pension plans coming into force, who knows, plus our visit this xmas to the Phils too.
Seeing the house that's not built and how the family is to us both.
With everything I do in life, I stand back and think about it. That's a good thing for me - might pee off Ems sometimes - but we get there in the end. STILL NO LOUIS VUITTON BAG, but I am running out of excuses now for that.
-
30th September 2014 #5
If Ems wants to work another 2 years in UK, why not set your goal at that with you both in agreement?
Now that's lots of time to gather all you need to know - and some more cash.
But I think even when you're ready, you will still be thinking, "have we enough cash?"
Enough cash? How much is enough? Obviously the more the better!
It also depends on what lifestyle you want to live.
Perhaps some come to Phils with the idea of wanting a much better lifestyle than they could have in UK, so perhaps they'll run out of cash much more quickly.
Me? Well I'm living a lower lifestyle than I was in UK. My choice, because I know that our project will provide for us, a good lifestyle not far away from that now. And also, our investment in the building will take away concerns of finding any cash for hospital bills etc. So this will bring peace of mind with it. Also I'm expecting it will provide cash for holidays - like going to Thailand, Hong Kong, etc and visiting UK - not to forget touring the Philippines.
Now if I hadn't invested my UK money, it would soon disappear in day to day living.
5 more years before my UK Government pension. I have no private pension.
I too, wondered if I would have enough, but I made my decision, and have no regrets.
Had I stayed in the UK - unable to decide - then time and opportunity would have passed me by, and I would rather not spend the rest of my life wondering what if, or I wish I had ... and oh it's too late now.
Even though from the 1st day visiting the British Embassy - and then all the rest up until now (1 year of stress from all this and our building project) - we never gave ourselves time to breathe.
But hey, even though we had this stress, it wasn't bad enough to affect my health. The same in UK maybe would have finished me off!
I love it here, Steve - best thing I ever did! Just be sure in your mind that it's really what you want. If it is, then don't put walls of doubt in front of you, we all only live once.
-
30th September 2014 #6
- Join Date
- May 2013
- Location
- Back in Cradley Heath for now.
- Posts
- 1,135
- Rep Power
- 145
5 more years until your Govt Pension. Will you have the single guy's pension - currently around £148ish - or are you able to claim the Couple's pension, which is, I believe, some £100 per week higher? It would make a heck of a difference to your lifestyle if you can have the couple's pension.
I too, am thinking of doing similar to what you are doing, but basically I don't have the capital. How much capital would I need to live around 2 years in the Phils?Last edited by Harry T; 30th September 2014 at 12:10. Reason: add more
-
30th September 2014 #7
- Join Date
- Aug 2010
- Location
- Marikina City
- Posts
- 26,785
- Rep Power
- 150
-
30th September 2014 #8
I have no idea about a couple's pension, I got a single pension forecast before I came to the Phils and married. If there is a couple's pension, I don't know if this would be allowed, with me being married to a foreign wife and both of us living here in the Phils.
I'm afraid how much capital is required, depends upon your lifestyle - taking into account, any medical insurance for that 2 years - and laying aside emergency money to fly back to the UK if you needed to.
Just don't make the mistake of thinking everything is cheap, or you will soon spend up. You have to think in peso value - like I have learnt to do. Now I think, "oh, that's expensive", instead of converting to UK £s and thinking it's cheap.
-
30th September 2014 #9
- Join Date
- Aug 2010
- Location
- Marikina City
- Posts
- 26,785
- Rep Power
- 150
There's no couples pension Stewart
-
30th September 2014 #10
-
30th September 2014 #11
It's a tricky decision Steve, as you're not getting any younger and you are ready for retirement. If it was me - at your age - and I had the funds, I would be there like a shot. In my line of work, I see patients who were fine a couple of months ago and are now bedridden. Time doesn't stand still. Yes, I respect Em's views, but she is young and, dare I say it, she has a few more years left in her than you have. No disrespect mate.
-
30th September 2014 #12
-
30th September 2014 #13
I retired on the 11th June 2012 and I was here in the Philippines on the 13th. If you don't do it that way you can worry yourself sick.
-
30th September 2014 #14
Do know what to say on this one, I retired at 47 and came here. I think it was too early because now I,m bored and want to go back for a while. This place is,nt for everyone. I find the way things get done here very frustrating at times. After coming from the west, its hard to understand the mentality of things here. But before I come back, I,m going to finish this house off so that I,ll be in the lucky position of having a house in both countries to go back and forth to, until I really know what I want to do. But at the moment, I,m like a headless chicken - wondering which way to go lol.
There is definitely less stress bill-wise here - easy to pay your bills, cheap to live and once I get solar power put in, living expenses will be very small.
-
30th September 2014 #15
It's the heat that would drive me back to UK. But here in Malaybalay, no pollution and cooler than Cagayan and Manila ... though it's still hot. But the best part is, it's cool in the morning and cool and fresh in the evening, which makes me feel more like home
-
30th September 2014 #16
-
30th September 2014 #17
-
30th September 2014 #18
-
30th September 2014 #19
- Join Date
- May 2013
- Location
- Back in Cradley Heath for now.
- Posts
- 1,135
- Rep Power
- 145
Terpe, I am presently on Pension Credit of £148 per week. If I had a partner I would receive £226. So you are saying when I get my actual pension, these amounts are not applicable? And I can look forward to a reduced amount of actual pension?
http://www.ageuk.org.uk/Documents/EN....pdf?dtrk=true
1 Recent developments
The basic rate for the standard minimum guarantee of PC Guarantee Credit
for 2014/15 is:
Single people £148.35
Couples £226.50
May be worthwhile Stewart looking at these for future reference.
-
30th September 2014 #20
Just called Age UK. It's correct Stewart, if you and your wife are not working you could be entitled to a Couple's Pension. They are sending me all the information by post. I won't benefit because Maritess is working, but they did say I may be able to claim something as the list covers quite a number of possibilities - including backdated monies previous to my marriage!
-
30th September 2014 #21
- Join Date
- Aug 2010
- Location
- Marikina City
- Posts
- 26,785
- Rep Power
- 150
Originally Posted by Harry T515194
I'm talking about those folks living in Philippines.
Also, Pension Credit is not a Govt State Pension.
There is no such thing as a couples Govt State Pension.
Pension Credit is an income related benefit that aims to top up your weekly income to a guaranteed minimum level of principally:-
£148.35 if you are single
£226.50 if you have a partner
These notional minimum income levels may be increased if you are disabled, have caring responsibilities or certain housing costs, such as mortgage interest payments.
Pension credit does not automatically pay out at £148.35 /£226.50
It's totally income based and income related and tested.
The amount payable depends on your existing income.
If it's above the notional rates above then you get nothing.
-
30th September 2014 #22
- Join Date
- Aug 2010
- Location
- Marikina City
- Posts
- 26,785
- Rep Power
- 150
-
30th September 2014 #23
-
30th September 2014 #24
Thanks all for your great comments. I think we are all so pleased for you Stewart, what you both have achieved in such a short time.
It's put me in a real downer and I just cannot seem to get out of this problem, but I will in time.
-
1st October 2014 #25
Compromise, Steve.
Move to Hartlepool.
Seriously, I agree with what Andy said.
-
3rd October 2014 #26
- Join Date
- May 2013
- Location
- Back in Cradley Heath for now.
- Posts
- 1,135
- Rep Power
- 145
I can understand your frustration Steve, and understand why Ems wants to stay here a little longer. I think you both need to sit down and decide on a date. It's pretty obvious you have had enough of the UK, and also I can understand Ems wanting to continue earning a decent wage.
I think you need to come to a compromise on your situation, sit down decide on a date, and Ems can do all the overtime she wants until that time comes.
-
3rd October 2014 #27
Harry, I came up with a great idea the other day. I would move over there and Ems would send me £500 a month. .
Ems says NO
-
3rd October 2014 #28
-
3rd October 2014 #29
Had to try Jamie.
But that has cost me a meal out this Saturday, just to say it was a bad idea sort of thing
-
4th October 2014 #30
Thread Information
Users Browsing this Thread
There are currently 1 users browsing this thread. (0 members and 1 guests)
Similar Threads
-
ready to set off
By Rhose in forum Loose Talk, Chat and Off TopicReplies: 25Last Post: 27th November 2012, 00:09 -
Is Everyone Ready ...
By Arthur Little in forum Questions & Answers On AnythingReplies: 9Last Post: 12th January 2012, 06:35 -
Almost ready...
By toging in forum Loose Talk, Chat and Off TopicReplies: 18Last Post: 15th September 2011, 07:57 -
Are you ready?
By britishdetained in forum Loose Talk, Chat and Off TopicReplies: 7Last Post: 10th August 2009, 18:24 -
getting ready
By eljean in forum Job Info/HelpReplies: 1Last Post: 27th September 2006, 23:58