biker don,t bother about health insurance if you were going to put 10k down for the 13a i,d keep that in your bank thats your health insurance .I have just done my 16 months on a tourist visa and just nipped over to hongkong very simple and just start all over again its much better than having your money tied up ike that as you never know when you will need it .just rent a place when you arrive for say maybe a year to find your feet and to make sure all is well with your g f remember you can,t own any property there it will have to be in g f s name which is another reason you must be careful but you can own a condo in your sole name .good luck in your quest for a nice retirement ive been here nearly 3 years and i,m still not convinced its the right place for me .