OVER 50's & 60's MOVING BACK TO THE UK.
Dec 13th 2010, 1:32 am
#9886
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Posts: 1,000
Re: OVER 50's & 60's MOVING BACK TO THE UK.
Well of course its Brazil...lol..you didnt think it was gonna be China or something did you???
Dec 13th 2010, 2:11 am
#9887
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Joined: Jul 2008
Posts: 1,477
Re: OVER 50's & 60's MOVING BACK TO THE UK.
i just watched the finale of Amazing Race. very happy as to who won so won't spoil it for those who have not seen it. they are nice folks and deserved to win it..
Dec 13th 2010, 2:18 am
#9888
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Joined: Aug 2010
Location: US
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
I guess we can't talk about it but the team we were routing for came in second.
If we got it right some of the people from this episode and some of the previous episodes are going to get a second chance on the next race. For example remember the Texas cowboys? I think they are going one of the teams.
If we got it right some of the people from this episode and some of the previous episodes are going to get a second chance on the next race. For example remember the Texas cowboys? I think they are going one of the teams.
Dec 13th 2010, 2:23 am
#9889
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
Dec 13th 2010, 2:38 am
#9890
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
That was an interesting story, It opened my eyes and was a refreshing outlook, The leader has it together, of course I didn't like the corruption, drugs violence and unpaved roads, but things are looking up for them, Did they say there was almost no unemployment.
Dec 13th 2010, 7:42 am
#9891
Home at last
Joined: Mar 2004
Location: Beautiful UK
Posts: 866
Re: OVER 50's & 60's MOVING BACK TO THE UK.
One piece of advice if you plan to need a mortgage when you return is to open an account with HSBC now and put your savings in there. Then when you return, you can open a UK account with them, and they carry over all your US credit ratings. That's vital because UK high street lenders may be reluctant to lend to you until you have a credit rating in the UK.
btw - if you save more than $100K, you can switch to a premium account and this gives you all kinds of relocation assistance.
I don't know how UK lenders are about age ... does anyone know if there an age after which it's impossible to get a mortgage? I've been assuming I won't be able to get one from a UK lender and would have to use an offshore bank, but I just wondered.
btw - if you save more than $100K, you can switch to a premium account and this gives you all kinds of relocation assistance.
I don't know how UK lenders are about age ... does anyone know if there an age after which it's impossible to get a mortgage? I've been assuming I won't be able to get one from a UK lender and would have to use an offshore bank, but I just wondered.
Dec 13th 2010, 9:47 am
#9893
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
Dec 13th 2010, 9:50 am
#9894
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
Most councils over here collect food waste for composting. You have to separate your garbage into various bins for recycling, such as: glass, plastic, cardboard, paper + real garbage in another bin + food waste in a special bin with a locking lid. You can get into trouble if you do not do this separation - has been going on for years, long before the US got on the bandwagon. But now it is even better than it used to be. I have seen this everywhere that I have visited and stayed since my return.
Dec 13th 2010, 11:11 am
#9895
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
Food Banks: Here is a link to the various Foodbanks in the UK.
http://www.trusselltrust.org/foodbank-projects
http://www.trusselltrust.org/foodbank-projects
Dec 13th 2010, 12:20 pm
#9896
Finally Home!
Joined: Mar 2010
Location: Used to be New York, now North Yorkshire
Posts: 3,610
Re: OVER 50's & 60's MOVING BACK TO THE UK.
Thanks. That's good news as I'd be in my early 50s by the time I got back (if we stick to our current plan). My issue will be the fact that I am self-employed, so I understand that I'd probably have to borrow from an offshore bank for the first few years then refinance once I had a UK credit history. I'm hoping switching my banking to HSBC will make that not an issue, but I haven't done any investigating yet.
Last edited by sallysimmons; Dec 13th 2010 at 12:36 pm.
Dec 13th 2010, 12:47 pm
#9897
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
Thanks Calle. That's excellent news. Can you tell me how many years, then, they figure you have left to pay? I am wondering if they consider perhaps 65 the cap, meaning that if you are 55 you have 10 years to pay and split the payments over 10 years instead of 30 years.
Dec 13th 2010, 12:48 pm
#9898
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Joined: Nov 2010
Posts: 4,100
Re: OVER 50's & 60's MOVING BACK TO THE UK.
Thanks. That's good news as I'd be in my early 50s by the time I got back (if we stick to our current plan). My issue will be the fact that I am self-employed, so I understand that I'd probably have to borrow from an offshore bank for the first few years then refinance once I had a UK credit history. I'm hoping switching my banking to HSBC will make that not an issue, but I haven't done any investigating yet.
Dec 13th 2010, 1:18 pm
#9899
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Joined: Jul 2002
Location: Dreich Alba
Posts: 12,006
Re: OVER 50's & 60's MOVING BACK TO THE UK.
Me, too. I love the warm summers and the sunshine. I will really miss that! I also love the squirrels, raccoons and possums that visit. I will carry them in my heart always, though. Looking forward, I think of the squirrels and rabbits that may be around for snacks wherever I live in the UK 
I will also miss Target stores. That's one great store! I am sure the UK has an equivalent, though.
I will just have to make up for the warm summers and sunshine by vacationing on the Mediterranean for a few weeks every year.
Ohh, I would also miss the garbage disposals. I don't think most have them in the UK.
I will also miss Target stores. That's one great store! I am sure the UK has an equivalent, though.
I will just have to make up for the warm summers and sunshine by vacationing on the Mediterranean for a few weeks every year.
Ohh, I would also miss the garbage disposals. I don't think most have them in the UK.
Garbage disposals are a ridiculously indulgent, wasteful and lazy piece of machinery that only serve to gunk up the water drainage system (Google New York and garbage disposal and I'm sure you will pull up a few choice articles on the subject).
Dec 13th 2010, 3:13 pm
#9900
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Re: OVER 50's & 60's MOVING BACK TO THE UK.
I don't have a garbage disposal ,never have -even here !
I think I am missing something perhaps ?
The garbage disposal chews up old food ...right ?
Why is that so much better than just throwing it in the bin ?
Or I guess if you are ecologically minded you would make a compost, like my Granny used to
Does the garbage disposal do more ?
Unrelated but ,
I would also like to add that I have never had a dishwasher either ,no particular reason -just never got one installed .
With these harsh Mid-west winters ,and my towns perchant for adding goodness knows what to the water? ...my face is 30's and my hands belong to someone in their 90's
-even here !I think I am missing something perhaps ?
The garbage disposal chews up old food ...right ?
Why is that so much better than just throwing it in the bin ?
Or I guess if you are ecologically minded you would make a compost, like my Granny used to
Does the garbage disposal do more ?
Unrelated but ,
I would also like to add that I have never had a dishwasher either ,no particular reason -just never got one installed .
With these harsh Mid-west winters ,and my towns perchant for adding goodness knows what to the water? ...my face is 30's and my hands belong to someone in their 90's