Hi Steve welcome to the forum.... I agree with dada if you're planning o settle in the Philippines you have to think 100 times. Think of your benefits you will leave back home, hospitalization, doctor's consultation, medicines, etc. Life is good here provided you have a house, car , business and of course lots of money. Most of the things you have in U.K. are very cheap here but of course when it comes to quality it differs. Philippines is ok just for a holiday. Anyway, i wish you luck!~!!!!!!