Author Topic: UK lurker!  (Read 3459 times)

Offline jimbo1938uk

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UK lurker!
« on: February 09, 2008, 05:34:02 PM »
Dear friends,
My name is Jim Grocock.
Married for 26+ years to Josephine fro the City of San Fernando,Pampanga.
I have visited the RP many times and hopefully will continue to do so.
I enjoy reading the posts but usually only reply if I feel my contribution will be helpfull.
Hoping to be in the RP towards the end of the year.
Jim G.

Offline Rick B

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Re: UK lurker!
« Reply #1 on: February 09, 2008, 06:32:56 PM »
Hi UK \"lurker\", i used to be one....(a uk lurker) but now i\'m in Davao, only for the past 4 weeks, but i\'m retired now and am VV happy here, lucky me eh. You obviously come here and like most of us here get a lot out of the philippines, good luck to you in the future, no need to lurk so much, dive in and enjoy the swim, best regards

rick b

Offline jimbo1938uk

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Re: UK lurker!
« Reply #2 on: February 09, 2008, 08:22:23 PM »
Hello Rick,
Yes I do enjoy the RP,I have been visiting since 1977.I have been retired for almost 13 years,which allows me extended stays,were it not for my twochildren and two very young grandchildren I would be living in the RP.
How do you find Davao,my wife\'s cousin has visited for work purposes and was really enthusiastic about everything there food prices,cost of living there is,according to him lower than Pampanga.
When I am in the RP,near to where I stay is a Frencman a little older than me and an Indian who is much younger,this is really good because I can discuss matters European and rugby etc with the French friend and cricket with the Indian friend.Also in the village are some Filipinos who have worked lived/abroad,so you can see that ther is plenty of scope for socialising when I am taking my daily constitutional walk.usually manage a couple of miles per day,interspersed with weight training and golf I can stay fit and burn off all the calories I consume there!!
Maybe talk to you again.
cheers,
Jim G.

Offline Rick B

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Re: UK lurker!
« Reply #3 on: February 10, 2008, 07:16:49 AM »
Hi Jim

I really like it here in davao, it isn\'t paradise by any means and i don\'t think prices are significantly lower than anywhere else, but it is a good place, friendly people, lots of facilities, little crime, beaches near by, what else, well more or less anything you can think of, good to speak to you Jim

Offline jonnyivy

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Re: UK lurker!
« Reply #4 on: February 17, 2008, 04:50:09 AM »
Hi Rick,
            Hope you don,t mind me butting in here, I read your post about you having made \"the big move\" over to Phils only 4 weeks ago.  I kinda put myself in your shoes for a moment, wondering how long you actually took to decide to move from the UK ? ( I live there too ) The point that got me wondering was your around the same age as me, not retiring age, and thats whats got me stuck here wishing and wondering for the past 3 years . I visit my wife\'s village on Cebu island 2 times a year, and as far as I can see, its just waiting for me to go live there. But how am I going to manage without pension each week ? I own my own house outright, but to sell it and move out there just always seems too drastic. What if in years to come I return back to UK with my tail between my legs with nowhere to call home ? Must say I admire your move , of course there\'s a wee bit jealousy too, but I,ll be keeping a look out for some of your posts to find out how things are going for you. Just think when your writing your posts, there,s guys back home like me that reads them and hangs on every word you say !!
Till next time,
Regards,
John
A True Friend Is Someone Who Sees the Pain in Your Eyes While Everyone Else Believes the Smile on Your Face

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Re: UK lurker!
« Reply #5 on: February 17, 2008, 08:07:09 AM »

But how am I going to manage without pension each week ? I own my own house outright, but to sell it and move out there just always seems too drastic. What if in years to come I return back to UK with my tail between my legs with nowhere to call home ?

John


John,

I think your answer is possibly quite simple. RENT your house out for income. Through an agency in the UK they will find your tenant, get the security deposit, clean the house if necessary after they leave & generally manage it for you. You don\'t say where you live but I would guess you could rent for Gbp400-500 a month. Enough to live here as long as you don\'t like the high life.

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Re: UK lurker!
« Reply #6 on: February 17, 2008, 09:51:00 AM »

But how am I going to manage without pension each week ? I own my own house outright, but to sell it and move out there just always seems too drastic. What if in years to come I return back to UK with my tail between my legs with nowhere to call home ?

John


John,

I think your answer is possibly quite simple. RENT your house out for income. Through an agency in the UK they will find your tenant, get the security deposit, clean the house if necessary after they leave & generally manage it for you. You don\'t say where you live but I would guess you could rent for Gbp400-500 a month. Enough to live here as long as you don\'t like the high life.


I rent out my house in the UK for £500 a month and that is in a village in Norfolk. The agent collects the rent and pays it into my UK bank account every month ( less 10% fee). I do also have a private and government pension so I don\'t have to rely on it. I chose to rent when I moved here in case I decided there were problems living here. I had previously visited many times and for long periods, but I have now decided that i won\'t be going back so I will be putting my house up for sale shortly.
There have been many discussions in the past on how much it costs to live here in both LinP3 and other Philippine groups. My personal opinion is that £500 would not be enough, especially when you consider the possibility of a medical emergency. In your case, you could get a loan against your house, but that could take time. There is also the possibility of cash from a credit card which is quick, but a limited amount. It would all depend on the severity of the emergency.
Another point to consider is that when you move to the Philippines, you join a family, whether you like it or not  :), and families are expected to help each other out in emergencies. This is something that most of us do, but it can cause a drain on the reserves.
Just a few thoughts to consider.

Colin

Offline Rick B

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Re: UK lurker!
« Reply #7 on: March 05, 2008, 07:34:39 PM »
John

Sorry i have been \"away\" for a bit and yes i am in Davao now, made the move to retire here and its a decision everyone has to make and some sugestions made above for income. Of course it all depends on \"our\" individual circumstances, especially financial and practical ones and making the move and the timing of the move isn\'t easy.

But i was like you, i plunged and bought a place here in davao i really like, used to visit each year and think hmmm how can i get there, and yes decided to make the move, financial security was very much on my mind but with world economic uncertainty, well you need some float in your planning

So far no regrets, i don\'t think i have helped you but i faced the same decisions as you have to, good luck my friend



Offline michael16136

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Re: UK lurker!
« Reply #8 on: March 05, 2008, 10:52:10 PM »
Sooner or later I think all of us just have to decide whether or not we\'re ready to make the existential leap. The \"what if I don\'t like it here\" scenario applies to everyone who has ever made the decision to move beyond his or her immediate environment. The fact is, financial security notwithstanding, there simply are no guarantees. Either you accept the risk factors in exchange for possible rewards, or you don\'t. The idea of renting the UK property to ensure a long-term fall back solution is probably a good one since it limits the risks somewhat. Eventually though, each of us must make the decision about whether and when to leave the well-known for the unknown in the hopes that the latter will prove more satisfying.

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Re: UK lurker!
« Reply #9 on: March 05, 2008, 10:55:35 PM »
For some who lived for sometime outside our upbringing it\'s probably an easier choice. (not holidaying)

Much more daunting for someone who hasn\'t been exposed to how different life can be from their \"norms\"

Offline fred

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Re: UK lurker!
« Reply #10 on: March 06, 2008, 12:10:43 AM »
We sold our house about 2 years ago.
I think we may have done so at the right time as I can see a depressed housing market coming on in the UK..
If you did the same and put the cash in the bank, you could earn as much as 6.5% interest.. tax free if you live here..
The problem is finding a bank with a decent interest rate that pays interest on a monthly basis..
Another worry is future exchange rates.. The Pound has been tanking recently as you well know. >:(


Offline michael16136

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Re: UK lurker!
« Reply #11 on: March 06, 2008, 05:51:31 AM »
For some who lived for sometime outside our upbringing it\'s probably an easier choice. (not holidaying)

Much more daunting for someone who hasn\'t been exposed to how different life can be from their \"norms\"

How right you are Ron. That\'s why it\'s probably better to come here first for an extended stay of a couple of months on a trial basis. If nothing else, it will allow those contemplating the move to explore various locations in the country before taking the more dramatic step of moving here on a permanent basis. I\'ve met a few guys recently, who have passed through Davao (one of their exploratory locations) while trying to decide if they\'re going to make the move.

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Re: UK lurker!
« Reply #12 on: March 06, 2008, 08:26:49 AM »
For some who lived for sometime outside our upbringing it\'s probably an easier choice. (not holidaying)

Much more daunting for someone who hasn\'t been exposed to how different life can be from their \"norms\"

How right you are Ron. That\'s why it\'s probably better to come here first for an extended stay of a couple of months on a trial basis. If nothing else, it will allow those contemplating the move to explore various locations in the country before taking the more dramatic step of moving here on a permanent basis. I\'ve met a few guys recently, who have passed through Davao (one of their exploratory locations) while trying to decide if they\'re going to make the move.

Dee & I were fortunate in the fact that I came to RP from Malaysia on business trips regularly. Our 1st plan to live here was in her own town, Naga Cebu. That would have been a mistake for us. We then checked Mactan Cecu & Tagaytay before finally choosing Sta Rosa Laguna. Almost 2 years later we KNOW we made the right choice  :) . If we had gone with our 1st plan, well could have been VERY different.  :o

 


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