hi all im stewart, returned, looking for advice

[imagine]

I agree Stewart, in spite of what I a said about the hospitals I would go for it too in your shoes!

Thanks Terpe,, thanks Jim, needed that, iv no worries doubts about my lady at all,happy to marry,happy to trust,
but the hospital thing, is proberbly the only put off i struggle with, ok i got some savings credit card,if more extreme expense my house,
brenda thinks hospital will accept regular payments,providing i have income, but i dont know for sure, and that they would accept her to guarenter me,, what would concern me is if brenda being my wife would end up in massive debt,and or my daughters in uk, thats what i fear, i know brenda would as her second choice come live with me in uk, but hey philipines i wanna go for it, 12 months at least, not a bad risk

[JimOttley]

Thanks Terpe,, thanks Jim, needed that, iv no worries doubts about my lady at all,happy to marry,happy to trust,
but the hospital thing, is proberbly the only put off i struggle with, ok i got some savings credit card,if more extreme expense my house,
brenda thinks hospital will accept regular payments,providing i have income, but i dont know for sure, and that they would accept her to guarenter me,, what would concern me is if brenda being my wife would end up in massive debt,and or my daughters in uk, thats what i fear, i know brenda would as her second choice come live with me in uk, but hey philipines i wanna go for it, 12 months at least, not a bad risk

You are old enough to retire early Stewart, did you not build up any private pension rights over the years? If you have got some private pension savings you will get a much better annuity rate than most folk even with retiring early because of your medical history.

Also remember that in this market houses in the UK can't be disposed of quickly probably much better to rent it out and if worst came to the worst use the rent to pay your medical bills in the Phils, the one benefit is that medical treatment can be a lot cheaper in the Philippines.

[imagine]

You are old enough to retire early Stewart, did you not build up any private pension rights over the years? If you have got some private pension savings you will get a much better annuity rate than most folk even with retiring early because of your medical history.

Also remember that in this market houses in the UK can't be disposed of quickly probably much better to rent it out and if worst came to the worst use the rent to pay your medical bills in the Phils, the one benefit is that medical treatment can be a lot cheaper in the Philippines.

Hi jim, up to 25 yrs old i did very well being a plumber and the building trade property ect, had a beutiful big victorian house,but you know it hapens to more than just me my x made sure i had nothing, except 3 daughters who i dedicated my time to bringing them up, i worked part time to fit in to be home when they left for school and when return home, i never regained what i had, it took a long time, to aquire this modest 2 bed house i have now, had one further gf took me to cleaners a little too,, no never got a private pension going, shame, i belive if im right,my goverment pension wont be released untill im 65, the thing is do i keep paying a minimum voluntry payments to keep it good while im away , my house originaly i would have sold,but for brenda tell me not to, and the advise not to here too, i will rent it , brenda doesnt need any money from me , though id insist, at worst the rent will be almost fully available and accumalate for emergencies flights to and from phil ect,

retire yes this is my intention by living in phil i can do this, iv been off work ill for over a year now i dont want to return to the struggle,

[JimOttley]

Hi jim, up to 25 yrs old i did very well being a plumber and the building trade property ect, had a beutiful big victorian house,but you know it hapens to more than just me my x made sure i had nothing, except 3 daughters who i dedicated my time to bringing them up, i worked part time to fit in to be home when they left for school and when return home, i never regained what i had, it took a long time, to aquire this modest 2 bed house i have now, had one further gf took me to cleaners a little too,, no never got a private pension going, shame, i belive if im right,my goverment pension wont be released untill im 65, the thing is do i keep paying a minimum voluntry payments to keep it good while im away , my house originaly i would have sold,but for brenda tell me not to, and the advise not to here too, i will rent it , brenda doesnt need any money from me , though id insist, at worst the rent will be almost fully available and accumalate for emergencies flights to and from phil ect,

retire yes this is my intention by living in phil i can do this, iv been off work ill for over a year now i dont want to return to the struggle,

I think you will miss the old 65 rule, you might be borderline, I was expecting 65 but they changed the rules recently

http://www.direct.gov.uk/en/Pensions...ion/DG_4017919

from 2018 they increase the age to 66 it applies if you were born between 6 April 1953 and 5 April 1960.

I can well understand that you never got round to getting a pension under the circumstances. Me I have a little saved but it's not going to be enough to retire on early, lost my business and home the other year so I can sympathise a lot :(

[imagine]

I think you will miss the old 65 rule, you might be borderline, I was expecting 65 but they changed the rules recently

http://www.direct.gov.uk/en/Pensions...ion/DG_4017919

from 2018 they increase the age to 66 it applies if you were born between 6 April 1953 and 5 April 1960.

I can well understand that you never got round to getting a pension under the circumstances. Me I have a little saved but it's not going to be enough to retire on early, lost my business and home the other year so I can sympathise a lot :(

well whats past is past,onward and upward as they say,
ouch!! ,,robbed by a year, and by our corrupt govermont ,
and the cost of living keeps going up, soon that will balance out any medical costs,

[JimOttley]

well whats past is past,onward and upward as they say,
ouch!! ,,robbed by a year, and by our corrupt govermont ,
and the cost of living keeps going up, soon that will balance out any medical costs,

Yes it's a lot of money to have taken away in one fell swoop, 5 grand in today's money for a single man roughly.

The only good thing is that folk our age fully qualify already as we only need 30 years contributions.

[imagine]

Yes it's a lot of money to have taken away in one fell swoop, 5 grand in today's money for a single man roughly.

The only good thing is that folk our age fully qualify already as we only need 30 years contributions.

the game is,,,, you got to live long enough to collect it , rofl