How much?
Sep 17th 2014, 11:06 am
#61
Quien no sabe
Joined: Dec 2012
Posts: 3,989
Re: How much?
Yes I think you're right, it has occurred to me since, that I might well have regretted it big time and had a lucky escape. Stifled by tourists in summer and living in a ghost town in winter. But I've always gone for top floor flats, always had a bit of a thing about high level living and seeing rooftops out of my window, maybe I was a bird in my last life. I was actually planning on not having a car, and I had this vision of me going for a jog along the beach every morning. I didn't want a garden, I'm away too much to look after it, and in fact I bought a house without one - which actually I do regret slightly but not much.
Sep 17th 2014, 9:21 pm
#62
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Joined: Apr 2014
Posts: 365
Re: How much?
I think you would need about 1500 euros !
Source : my grandmother who is French and lives in France!
Source : my grandmother who is French and lives in France!
Sep 17th 2014, 9:37 pm
#63
Born again atheist
Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,259
Re: How much?
Whey, yer a Geordie? Yer divvent have to fash aboot being a National Treasure, man. It's f***ing automattik innit?
<Jolly nice to meet you old chap. I speak as one exiled Geordie to another>
<Jolly nice to meet you old chap. I speak as one exiled Geordie to another>
Last edited by Novocastrian; Sep 17th 2014 at 10:31 pm.
Sep 17th 2014, 10:11 pm
#64
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Posts: 365
Re: How much?
Seriously, how can you ever leave North East England?
I'm in Newcastle and it's cold, only 18 degrees ! Wish I was in France it's 25 degrees right now
I'm in Newcastle and it's cold, only 18 degrees ! Wish I was in France it's 25 degrees right now
Sep 17th 2014, 10:34 pm
#65
Born again atheist
Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,259
Re: How much?
It was 20C this afternoon in Toronto but it was only 7C this morning when I got up. In a couple of months those temperatures will both have minus signs in front of them.
The Toon's alreet pet.
Sep 18th 2014, 1:07 am
#66
Forum Regular
Thread Starter
Joined: Sep 2014
Posts: 298
Re: How much?
) was great, man, but it's probably gone all yob and chavvy now like most places there.And by the way, I'm a real Geordie (born within the sounds of the Newcastle Arms opening up) not one of these pseudo I'm a Geordie, I'm from Sunderland (Darlington
) status jumpers..
Sep 18th 2014, 1:33 am
#69
Born again atheist
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Location: Europe (to be specified).
Posts: 30,259
Sep 18th 2014, 6:43 am
#71
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Location: Lot et Garonne
Posts: 576
Re: How much?
In what part of France is it 25C right now? Certainly not the part I know best.
It was 20C this afternoon in Toronto but it was only 7C this morning when I got up. In a couple of months those temperatures will both have minus signs in front of them.
The Toon's alreet pet.
It was 20C this afternoon in Toronto but it was only 7C this morning when I got up. In a couple of months those temperatures will both have minus signs in front of them.
The Toon's alreet pet.
Sep 18th 2014, 11:25 am
#72
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Joined: Apr 2014
Posts: 365
Re: How much?
In what part of France is it 25C right now? Certainly not the part I know best.
It was 20C this afternoon in Toronto but it was only 7C this morning when I got up. In a couple of months those temperatures will both have minus signs in front of them.
The Toon's alreet pet.
It was 20C this afternoon in Toronto but it was only 7C this morning when I got up. In a couple of months those temperatures will both have minus signs in front of them.
The Toon's alreet pet.
Sep 18th 2014, 12:18 pm
#74
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Joined: Jan 2008
Location: The Charente - still smiling.
Posts: 2,624
Re: How much?
JWL you are asking a slightly imprecise question. The poster who replied "it depends how long you live" makes an excellent point, and one that many underestimate. Life expectancy has increased dramatically and rememebr all those quotes you read about 80 year lifespans etc include all those who die as well asall tose who survive.
Assuming good health a male at 65 has another 20 to 25 years left. Depending on a range of circumstances (and financial status is one) that can increase to 30 years. I imagine a long period in Japan on a Japanese diet might push you towards the upper end.
Work out your monthly expenditure and subtract the amount you have coming in in pensions. That gives you the shortfall.
If you use annuity calculators, you will get roughly 6 percent for level payment (which might mean sweet FA in a few years) or index linked (with no partner cover etc) somewhere around 3 percent. You probably want to go half way between the two, (but save the difference) as typically your expenditure starts declining in your mid 70s before you start hitting medical issues.
Most decent fund managers will better those rates. A good private investor will do better still. (I am most certainly not one).
If you indeed are unconcerned at inheritance tax, then assuming you plan on leaving nothing at death, it is a pretty basic spreadsheet calculation.
Assuming good health a male at 65 has another 20 to 25 years left. Depending on a range of circumstances (and financial status is one) that can increase to 30 years. I imagine a long period in Japan on a Japanese diet might push you towards the upper end.
Work out your monthly expenditure and subtract the amount you have coming in in pensions. That gives you the shortfall.
If you use annuity calculators, you will get roughly 6 percent for level payment (which might mean sweet FA in a few years) or index linked (with no partner cover etc) somewhere around 3 percent. You probably want to go half way between the two, (but save the difference) as typically your expenditure starts declining in your mid 70s before you start hitting medical issues.
Most decent fund managers will better those rates. A good private investor will do better still. (I am most certainly not one).
If you indeed are unconcerned at inheritance tax, then assuming you plan on leaving nothing at death, it is a pretty basic spreadsheet calculation.
