thanks bornatbirth, (thats a good time to be born lol,) thanks for your suggestion, it does seem a sensible solution, with regard to wills and well the law, scotlands law differs a little from england on some matters of that kind, im just not sure of it, but im now 56 yrs, old , i concider what my life span may now be 5, 10, 15 yrs, more i hope , but if less then selling the house after a year may be better im undecided,
buying a house in philipines, my girlfriend brenda has enough money and more to buy a house herself and doesnt want or require my help, though she will treat it as ours, she worked away from home for over 10 years and earnd enough to do quite well in philipines, she has no desire to live in uk, it being a second choice only in the case that i have to return then she will come with me,im comfortable knowing that she wants nothing from me but love , thats cool, thanks , stewart http://filipinaroses.com/images/smilies/smile.gif