Moving to Tenerife Property advice
Aug 11th 2016, 10:20 am
#31
Banned
Thread Starter
Joined: Aug 2016
Posts: 30
Re: Moving to Tenerife Property advice
Well that was totally expected.
We will all be delighted for you if you succeed.
So many people ignore the warning signs and think that they know better than others and then return penniless and bitterly blame Spain or the Spanish and forget that they were the instigators of their own misfortune. This is why on this forum you will receive information that is as truthful and relevant as possible. We try not to sugar coat and encourage people to be foolhardy by saying what they want to hear but endeavour to give them the benefit of our experiences.
Many do not like hearing the negatives but unfortunately the grass is not always greener on the other side and is often more difficult than people expect.
Rosemary
We will all be delighted for you if you succeed.
So many people ignore the warning signs and think that they know better than others and then return penniless and bitterly blame Spain or the Spanish and forget that they were the instigators of their own misfortune. This is why on this forum you will receive information that is as truthful and relevant as possible. We try not to sugar coat and encourage people to be foolhardy by saying what they want to hear but endeavour to give them the benefit of our experiences.
Many do not like hearing the negatives but unfortunately the grass is not always greener on the other side and is often more difficult than people expect.
Rosemary
I really appreciate your help and opinion!
It's unfortunately as what she says: people are going mad with greed, size of the house, age of the car and being wealthy and (more) "successful"... By sitting at the same homes, watching same TV, eating horrid take-away food, instead of hers home cooking... those "wealthier".
And I agree, I more often get along with migrants at work and on a street, than any of those "wealthy" wanna be posh toss neighbours and even past friends, that we meet once o month, no more....
"We" say, that money does matter, but in context of pretend "high earners" and general atmosphere in the later years, it's more important to make effort to be happier healthier, regardless of income (of course it has to be adequate) and so far it falls in to the predicted projections of ours... Hers, but I don't disagree with her.
Honestly, how many of you with such strong scarry messages lived recently back home and not from inheritance or some funds, but from hard earned salary, been paying left right and center and could say it was good living?
Aug 11th 2016, 10:22 am
#32
Concierge
Joined: May 2006
Location: ex ex-pat, in Taunton
Posts: 27,213
Re: Moving to Tenerife Property advice
(I'll pretend to be sensitive and would like to apologise, in case I would offend you, due to diferent points of view)
My earnings on average currently (S.E.) are only that much higher, what you state those in France.
"We" do manage everything, only just and we are not entitled to no help or want to be asking or be that much explicent over all of those. As is, I dont see as how financial state would ever improve and she does all the bills etc, she also is the brains behind the move using "MY" logic, as living in better enviroment, cheaper country and not paying mortgage, and toping up income by renting part out even to seasonal workers- at a low end scale- on overall would mean my earnings to be halved and still be better off.
Health care- she is adamant that kids are covered (either by UK NHS in period before full residencija card) and after by Spanish general policy, but overall family private insurance cover (she said would cover for a first- full year by our existing policy) £60pcm and a year or so later would become more expensive, but not that much.
Lucky me, she don't like discussions online etc but scarry stories (i don't ignore), but all seem to be load a fibs compared with hers notes.
My earnings on average currently (S.E.) are only that much higher, what you state those in France.
"We" do manage everything, only just and we are not entitled to no help or want to be asking or be that much explicent over all of those. As is, I dont see as how financial state would ever improve and she does all the bills etc, she also is the brains behind the move using "MY" logic, as living in better enviroment, cheaper country and not paying mortgage, and toping up income by renting part out even to seasonal workers- at a low end scale- on overall would mean my earnings to be halved and still be better off.
Health care- she is adamant that kids are covered (either by UK NHS in period before full residencija card) and after by Spanish general policy, but overall family private insurance cover (she said would cover for a first- full year by our existing policy) £60pcm and a year or so later would become more expensive, but not that much.
Lucky me, she don't like discussions online etc but scarry stories (i don't ignore), but all seem to be load a fibs compared with hers notes.
Aug 11th 2016, 10:30 am
#33
Banned
Thread Starter
Joined: Aug 2016
Posts: 30
Re: Moving to Tenerife Property advice
I mentioned earlier we've allowed decent enough of funds to cover
Property Purchase and legal fees
Enough to show each €5k for the bank for and for the period of gaining employment.
£3k for shipment of essential of goods
Few k's for unforseen expenses and yes, all my life worked, earned, paid bills, our lifetime savings are leaving us with under €150 for a accommodation to buy right out... I don't see it as any bad success or failure to be providing for kids.
Anw, pleasure chatting, got to do few bits for a client, will check what's new later on.
Onwards and upwards! 😁
Property Purchase and legal fees
Enough to show each €5k for the bank for and for the period of gaining employment.
£3k for shipment of essential of goods
Few k's for unforseen expenses and yes, all my life worked, earned, paid bills, our lifetime savings are leaving us with under €150 for a accommodation to buy right out... I don't see it as any bad success or failure to be providing for kids.
Anw, pleasure chatting, got to do few bits for a client, will check what's new later on.
Onwards and upwards! 😁
Aug 11th 2016, 10:43 am
#34
Lost in BE Cyberspace
Joined: Feb 2013
Posts: 6,148
Re: Moving to Tenerife Property advice
My sense of humour... Sorry love!
I really appreciate your help and opinion!
It's unfortunately as what she says: people are going mad with greed, size of the house, age of the car and being wealthy and (more) "successful"... By sitting at the same homes, watching same TV, eating horrid take-away food, instead of hers home cooking... those "wealthier".
And I agree, I more often get along with migrants at work and on a street, than any of those "wealthy" wanna be posh toss neighbours and even past friends, that we meet once o month, no more....
"We" say, that money does matter, but in context of pretend "high earners" and general atmosphere in the later years, it's more important to make effort to be happier healthier, regardless of income (of course it has to be adequate) and so far it falls in to the predicted projections of ours... Hers, but I don't disagree with her.
Honestly, how many of you with such strong scarry messages lived recently back home and not from inheritance or some funds, but from hard earned salary, been paying left right and center and could say it was good living?
I really appreciate your help and opinion!
It's unfortunately as what she says: people are going mad with greed, size of the house, age of the car and being wealthy and (more) "successful"... By sitting at the same homes, watching same TV, eating horrid take-away food, instead of hers home cooking... those "wealthier".
And I agree, I more often get along with migrants at work and on a street, than any of those "wealthy" wanna be posh toss neighbours and even past friends, that we meet once o month, no more....
"We" say, that money does matter, but in context of pretend "high earners" and general atmosphere in the later years, it's more important to make effort to be happier healthier, regardless of income (of course it has to be adequate) and so far it falls in to the predicted projections of ours... Hers, but I don't disagree with her.
Honestly, how many of you with such strong scarry messages lived recently back home and not from inheritance or some funds, but from hard earned salary, been paying left right and center and could say it was good living?
. At the moment you are blinded by the sun and haven't really got a plan. If you are happy to live a simple life, why don't you buy a 2nd hand caravan and try Spain first before spending all your money on a property. Otherwise Bulgaria might suit you better where you can buy a house for €5000 and live off the land, rather than going to a high cost area
Last edited by Moses2013; Aug 11th 2016 at 11:13 am.
Aug 11th 2016, 11:44 am
#35
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Moving to Tenerife Property advice
You think Spaniards dont care about house size or car? Of course they do. People in Spain are as materialistic as anywhere else, and they need to be - there are few benefits here to bail you out, if it goes wrong!
Aug 11th 2016, 11:54 am
#36
Lost in BE Cyberspace
Joined: Apr 2008
Location: Hérault (34)
Posts: 8,890
Re: Moving to Tenerife Property advice
(I'll pretend to be sensitive and would like to apologise, in case I would offend you, due to diferent points of view)
My earnings on average currently (S.E.) are only that much higher, what you state those in France.
"We" do manage everything, only just and we are not entitled to no help or want to be asking or be that much explicent over all of those. As is, I dont see as how financial state would ever improve and she does all the bills etc, she also is the brains behind the move using "MY" logic, as living in better enviroment, cheaper country and not paying mortgage, and toping up income by renting part out even to seasonal workers- at a low end scale- on overall would mean my earnings to be halved and still be better off.
Health care- she is adamant that kids are covered (either by UK NHS in period before full residencija card) and after by Spanish general policy, but overall family private insurance cover (she said would cover for a first- full year by our existing policy) £60pcm and a year or so later would become more expensive, but not that much.
Lucky me, she don't like discussions online etc but scarry stories (i don't ignore), but all seem to be load a fibs compared with hers notes.
My earnings on average currently (S.E.) are only that much higher, what you state those in France.
"We" do manage everything, only just and we are not entitled to no help or want to be asking or be that much explicent over all of those. As is, I dont see as how financial state would ever improve and she does all the bills etc, she also is the brains behind the move using "MY" logic, as living in better enviroment, cheaper country and not paying mortgage, and toping up income by renting part out even to seasonal workers- at a low end scale- on overall would mean my earnings to be halved and still be better off.
Health care- she is adamant that kids are covered (either by UK NHS in period before full residencija card) and after by Spanish general policy, but overall family private insurance cover (she said would cover for a first- full year by our existing policy) £60pcm and a year or so later would become more expensive, but not that much.
Lucky me, she don't like discussions online etc but scarry stories (i don't ignore), but all seem to be load a fibs compared with hers notes.
The fact of actually being able to work in your profession (as opposed to finding work) in order to provide for your family should be a priority.
If you choose to believe your wife on other subjects rather than listen to members, then that's your privilege, but I don't think many members will appreciate being accused of telling porkies.
Aug 11th 2016, 12:15 pm
#37
Retired and loving it!
Joined: Sep 2007
Location: Ontinyent - Valencia region (campo)
Posts: 5,160
Re: Moving to Tenerife Property advice
Children are automatically covered for Spanish state health care under the "ley de los menores" (in theory).
Aug 11th 2016, 4:18 pm
#38
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Moving to Tenerife Property advice
The ley de menores was designed to help the African kids who arrive shipwrecked on the pateras
Aug 11th 2016, 4:19 pm
#39
Banned
Thread Starter
Joined: Aug 2016
Posts: 30
Re: Moving to Tenerife Property advice
Thanks again!
I don't say, you are telling porkies, but in every country there as ever so different perspectives and ways as it all seems.
The way it appears from your understanding, is that plan (1-) is the one to go for... is to get best possible short renting apartment, get it working for us and move own-selves a bit away of beaten track, but rented accommodation and waste opportunity in improving property myself (almost) free
Unfortunately, It is a bit of a pain from financial point of view too, as I have different financing options, as when I'd be buying buy myself property to live or just "buying one to rent", meaning, most likely, having to sell the house even before the purchase...
Meaning, I might end up getting, just long term rent and move asap...
Hence the question, I certainly need local, but still reliable adviser, to answer more obscure questions and deal (help us) with whole load of issues in the process.
I don't say, you are telling porkies, but in every country there as ever so different perspectives and ways as it all seems.
The way it appears from your understanding, is that plan (1-) is the one to go for... is to get best possible short renting apartment, get it working for us and move own-selves a bit away of beaten track, but rented accommodation and waste opportunity in improving property myself (almost) free
Unfortunately, It is a bit of a pain from financial point of view too, as I have different financing options, as when I'd be buying buy myself property to live or just "buying one to rent", meaning, most likely, having to sell the house even before the purchase...
Meaning, I might end up getting, just long term rent and move asap...
Hence the question, I certainly need local, but still reliable adviser, to answer more obscure questions and deal (help us) with whole load of issues in the process.
Aug 11th 2016, 4:42 pm
#40
Banned
Thread Starter
Joined: Aug 2016
Posts: 30
Re: Moving to Tenerife Property advice
My Bupa covers me and whole family up to 3 month for each visit worldwide and in case need to be it whenever
but what is annoying its only up to the first claim 
Last edited by AlvyLad; Aug 11th 2016 at 4:50 pm.
Aug 11th 2016, 9:19 pm
#43
Concierge
Joined: May 2006
Location: ex ex-pat, in Taunton
Posts: 27,213
Re: Moving to Tenerife Property advice
That also could be a grey area as you wouldn't be visiting but living there.
Aug 12th 2016, 7:53 am
#45
SUPER MODERATOR
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 34,033
Re: Moving to Tenerife Property advice
Depends on what it covers - I've no idea about Bupa, but for instance travel insurance wouldn't cover you as you'd be moving there (rather than just visiting). Once resident in Spain/Tenerife, travel insurance would cease to cover you, worth checking that Bupa isn't the same and that they're happy to cover up to 3 months even if you've actually moved there.