Chortlepuss

I’d ship more Denby, newer Le Creuset (ours is getting old here), garden furniture, Dyson, quality wooden furniture, bed linen quality clothes & shoes. You can get all the stuff here but you pay an arm and a leg

Happy to proof read If you want to message me

6 hours ago, ramot said:

Have been doing this for the last 13 years as our only grandchildren are in UK, not because we are unhappy in Australia,  it isn’t a cheap option, but at least easier as  it’s now possible to rent short term since Airbnb started up. We do own property in UK,  but it’s not worth getting good tenants to leave your property to live in it for 3’sh months and then have to find a new tenant. Financially it doesn’t make sense. Certainly doesn’t make sense either to leave a property empty for most of the year for all the obvious reasons.

We originally rented an Airbnb near our family, so now book directly with the owner and negotiate a long term rent, and hire a car, it’s not a cheap thing to do when you also factor in airfares, so careful thought.needs to be given as to how long you can realistically afford to go for.

 

Every time I go back to the UK  (last time 2 months, prior to that a year), I love it so I’m not worried about getting bored. I did look into Airbnb but the cost of renting a one bedder in my area for 3-4 months is about 2/3 of what I get in rent minus tax for a 3 bed house.  We’d be retired so kids not an issue (but grown up kids in Australia and potentially grandkids mean we need to stay here).  I like Marissa’s idea of renting ours out as a furnished let - or I could even look into academic year lets (we are near a university). Food for thought anyhow & entirely dependent on Covid situation easing by 2022...

11 hours ago, bug family said:

mmmmmm.......some days honestly yes, the combination of missing home and mind numbing boredom here takes its toll.......but, I am hoping for a compromise, for example I have recently discussed with my wife(ish) the idea of saving up (not quite sure how I am going to do it as yet) over the next few years and seeing if I can get together enough to purchase a small property in the UK, I am talking cheap cheap as in a flat etc or small house, I recently looked around the Carlisle and Scottish border area and noticed that there are some properties available for less than 60,000 pounds....although I have no idea if the area would be suitable, my idea would be to at least have a base in the UK, it would be a start and I would have a foothold back home so to speak,  I could go back every year for a month or so (post Covid 19 of course) and use as a base with which to explore around the country and Europe with my kids and even wife(ish) if they want to come, I think that it is important in life to have something to aim towards as this helps to give purpose, and once reached it makes it easier to reach for the next target and so on.....I think am going to need a bigger piggy bank though 

I would love to live ‘part and part’  I think if I could have a good amount of time (3-4 months) in the UK each year, I would be sorted. I’ve got a head start as have a house in SE UK that is currently tenanted. But doing part n part is fraught with complication - leaving the house empty (and thus uninsured), couldn’t have a lodger as I’m not ‘resident’. What to do about healthcare as we approach retirement? What about keeping a car?  We live in a smaller house in Aus so we can keep this house in the UK - we could have a nice house here, and the money from selling it could go into our super to make us very comfortable. We don’t get a huge amount of rent but it is an income and I struggle to find work in my 50’s. It doesn’t make financial sense to really keep it even though there’s no mortgage on it but I keep it for sentimental reasons. Maybe I should time share it amongst my fellow homesick expats? 

I was fantasising that there may be a move to unfreeze UK state pensions in Australia, given that we’re all going to be new trading buddies. Must be costing Aus a fortune in subsidising UK pensioners. 

On 18/11/2020 at 00:54, Snoozy said:

You have no idea about my life and how hard I've tried to fit in. I am a friendly woman, and have helped many people here. I can't be bothered with this convesation. I knew if I opened up on here I would cop it. I will never talk on this forum again. 

Ah Snoozy I totally empathise! The honestly on this forum has helped me tremendously and you are very brave. I have been here 13 years and like you I have tried to fit in. I am so tired of trying now and have largely given up. Too many years of small talk. Some can do it better than others and the Aussies I meet are masters of the game. They’re not horrible, just have no need for closer relationships or meaningful conversation (with me at least). If it wasn’t for frequent trips back to the UK and the support and love of friends and family there I think I would have written myself of as just a hopeless person and incapable of making friends. Too many of us have this experience for it to be explained away in victim blaming! My heart breaks for you and anyone else not being able to get home. I feel like I’m on an extended strange holiday in a beautiful location - it’s not unpleasant, I’ve just outstayed my welcome and my purpose for being here. I too was part of a supportive community in the UK - harder I suppose for those that have left this.

I’d add - you may want to remortgage your UK property if the mortgage is low to release funds to buy a property here - we paid off our UK rental property and have a mortgage on our house here which is dumb as we can’t offset any interest against rental income so pay more tax on the rental proceeds

also if your rental is quite a new property, get a depreciation report done - well worth the outlay (we used Washington Brown)

On 17/11/2020 at 17:24, Red Rose said:

The south downs is beautiful. Was your village anywhere near Lewes?

I lived and worked in Lewes for many years and now have a house just outside Lewes. I would love to live half and half but need the rental income! 

Countryside

I came over after I got a job here In Brisbane. I was on a 457 Visa so a dodgy thing to uproot my family. After a few years, my company sponsored me for PR (lucky because by that time I was too old so ‘special’ case made). Hubby got a job he loved, kids got settled and they all grew to like it here. I always wanted to come here & feel really lucky to have got citizenship. I loved it at first with a passion! But it was never meant to be forever - I love my pubs, National Trust buildings, gardens, cathedrals, the countryside European travel and the quiet (despite not much to do in Brisbane it is never quiet!). I’m still close to my family and lifelong friends at home and chat often. And now I’m stuck here. Only myself to blame. I made us come! Unemployed - at 58 I’m probably never going to work in IT again as I’m ‘overqualified’. I’m so lucky cos investments & hubby’s work means that we can have an OK life here although we’re not rich . When I overthink it, I’m puzzled that I’ve allowed myself to get trapped in a place with no real friends, no work and not even able to be outside much cos it’s too hot! I don’t really like driving yet I have to drive every day to the pool, the gym, the shops, the GP etc. In my village in the UK in the South Downs most things I needed were just a short potter away, and I got to listen to birds and spend time in the countryside instead of constant traffic, DIY, or building noise.....I can’t imagine growing old here, it’s just crept up on me....I feel so daft for not having a proper exit plan - if we’d stayed out four years and returned, we’d have had nothing but brilliant memories of Australia....

If I was going back to the UK (and I would given the chance), I’d wait until the UK spring time. It is always a magical time of the year and the prospect of summer and lighter evenings makes everyone feel a bit more optimistic. Easier for you to ease back into the climate as well. 

When I moved to Brisbane 13 years ago, a primary motivation was the climate. I loved it at first and still enjoy the winters here. I have been back to SE UK a number of times, including once for a year. I was never really hampered by the weather in the UK  (once too chicken to drive in light snow). A key reason for me to return to UK now would be climate. I dread the summer here and all the constraints it imposes (aircon, driving, staying inside). The idea of throwing on sturdy boots and a warm jacket to go for a brisk walk followed by some decent beer in a welcoming pub now seems like a distant fantasy. I never dreamed UK winters could be preferable to Qld summers! I think I needed to get my craving for heat out of my system and would love to retire back home but sadly trapped here by family commitments 

On 05/09/2020 at 15:29, Paul1Perth said:

Sexism thrived but it wasn't all bad. A lot of christmas party or other functions where booze was generally involved led to some interesting get togethers and some fun. Some people married workmates, some just had a quick one night stand, enjoyed by both parties and not mentioned by either again. These days a bloke would have to think twice even if the lady was very attractive and was obviously interested. 

A work colleague these days would just be too risky. I'm not talking about one married or in a relationship either. It would be the same for singles.

Nope, you would be safer getting on tinder, and don't tell me that's a good thing.

The Christmas parties! We always knew we’d had a good one when we’d managed to get staff from across the bank (not just those from the IT department) permanently banned from ever visiting the venue again. We did have a lot of liaisons at work and it became pretty unprofessional at times. One of my colleagues (an excellent software developer) was so fed up at something once, he chucked his desk out the window. I can’t remember if he was disciplined but he certainly wasn’t sacked. I remember introduction of the smoking at work ban and the outrage that it caused. Different times indeed!

I do think people now in their 50’s and 60’s saw the best of workplaces. At American Express there was a fancy social club with subsidised drinks, plus an incredible cheap staff restaurant. Working for banks in the 1980’s and 90’s in IT, we had regular pay reviews, staff bonuses, luncheon vouchers, thriving staff & social including overseas subsidised trips. Six weeks holiday, final salary pensions. Down the pub Friday lunchtime and rarely returned. It wasn’t all fabulous - sexism thrived and we had to fight for parity of pay & opportunity but because skilled workers were in such high demand,  it was very easy to jump ship. You had to put up with ‘personalities’ in the workplace! It really was a world away from today’s short term contracts, ‘self employment’ and fragile working conditions. 

Won’t you pay more stamp duty if you’ve not sold your previous house and you buy another? When we bought our UK house we had to state that we didn’t own another one anywhere in the world. 

On 01/09/2020 at 13:20, Marisawright said:

It is a strange adjustment, isn't it - especially when you just find yourself in that situation, rather than planning for it.   It's now over 10 years since I had a "proper" job and really wish I could've managed another 5 years of work.  It would have made such a difference to my current financial situation.   

Yes, I suspect that part of it is the frustration of things not going to plan and not being in charge of the situation - if I’d had 2 years more I could have smashed our Aussie mortgage and been very comfortable. It’s a difficult time for many Work wise though, especially the very young and I need to count my blessings 

If you enjoy it that’s fab! I must say I didn’t mind so much when I could travel home and visit friends and family. I did love my work, despite the stress and would love something part time. I’ve got the gym, classes and catch up with friends - I  would probably have retired just after 60 anyhow - but feel at a bit of a loose end after so many years of working. Have income from rental property and have spent many years financially supporting others but find it strange without a decent income of my own. I do appreciate that I’m very lucky. 

On 10/08/2020 at 09:33, Marisawright said:

Age discrimination in Australia is huge.  When I was in the UK, I was struck by how different it is in the UK.  In Australia, I simply couldn't get work in my field once I hit 55, and since then, I've had only a few low-level, part-time jobs.  Whereas in the UK, I had no trouble getting offered a couple of jobs and I wasn't even looking that hard (I was over 60 already).

The story about work is actually very consistent, it's just a question of what industry you're in. If you're in an "essential" industry, you're flat out.  If you're in online retail, you're flat out.  My sister works for a government department and she's flat out. If you're in one of the industries that's been closed down or limited, you're out of luck. 

It’s interesting to read this - I have great skills in IT and never struggled to find a job anywhere until I hit my mid 50’s in Brisbane. I was able to travel back to UK for two extended periods where I was offered really interesting project work from my ex employer, but also approached for other roles whilst I was there. Now 58 and back in Brisbane I’m twiddling my thumbs and although I’m really lucky in that I can just about afford not to work, I miss the stimulation and it’s the first time in my life I’m financially dependent on my husband which sits uncomfortably. If I was single, I’d be heading back for a few years’ work but now facing a somewhat dull early retirement. Friends in the UK all seem to have no issue finding work. I’m relieved to know it’s not just me but not sure what to do about it!

Have you thought about Currumundi Lake/ Wurtulla? Very handy for Sunshine Coast hospital. My favourite place in Queensland and pretty quiet

I’m really interested in this as hope to do similar. I’ve written off the idea of splitting time between Aus & UK properties - too difficult to leave one unoccupied - trouble is bulk of my income will come from UK and assets in Australia and UK. I want to visit the UK for at least 3 months of year. Living in Brisbane so choosing when to go in the year is tough - Spring UK is sublime but not sure how many more Brissie summers I can bear. Would Jan/Feb be better in UK or Brisbane (I never thought I’d have to ask myself that!) Current thinking is to sell UK house, upgrade my Aus house and try to get a house swap or house sitter and furnished rental in UK I would prefer to retire in UK but kids are in Australia and one in particular needs us around. It’s tough! 

On 18/02/2020 at 09:19, Paul1Perth said:. Mistake we made last year was taking lump sums from them and then got a big tax bill here. Now I've retired I should get a decent tax return this year.

So if you’re resident in Australia and take a lump sum from a UK pension then this is counted as income For Australian tax purposes? I might need to have a year in the UK once I turn 60....

On 18/02/2020 at 08:23, Marisawright said:

This is why I always say, contact the International Pensions Centre and ask for a pension forecast.  They'll send you the pension forecast and give you details of what contributions you can pay to improve it.   

Yes - I had a list of years where there were ‘gaps’ in my NI record  from my statement.  I paid the cheapest years. The pensions centre acknowledged payment but didn’t tell me that these wouldn’t make a jot of difference to increasing my state pension. The only years that could increase my pension were post 2017 gaps! So you have to call them and ask them ‘which payments will contribute to increasing my state pension’ and then pay those years only NOT just the cheapest years! (If you’re lucky these MAY be the same). After A lot of work, I got the non contributing years reallocated to contributing years. I found this out from talking to a financial journalist after wondering why my forecast wasn’t changing. I personally find it outrageous that they take payments for years that don’t count and don’t tell you!  I remind people to chat to Pensions directly and not just rely on the statement so they don’t make the same mistake I did. 

On 20/01/2020 at 09:00, Johnny Kash said:

Were in the process of topping up our 6 years which will get me to 30 years so not far off a full state pension.   Id be interested to know if that is six years at a time, i.e. can you top up 6 years, then 6 years down the line top up another 6??

I guess for those expats who left UK at an early age and have been out of the country for that long then it might be difficult to 'catch up' as it were, especially if you weren't aware of the chance to still contribute from overseas.

Anyone topping up their NI contributions be sure to contact NI to ensure that any contributions/years made will count towards increasing their state pension. Some years count and some don’t. I paid the cheaper years, then found out these didn’t make a jot of difference to my state pension - they will not tell you if this is the case and they’ll just bank the money. I only found this out by chatting to a financial journalist! I’ve managed to get payments made  re-allocated to years that will increase my pension but not without a huge amount of effort and complaint. Don’t just get an online statement like I did and pay off amounts but check first. I do wish they would tell people this - it seems almost fraudulent.

23 hours ago, Toots said:

I hope things have improved in the UK since this article was written.  https://www.independent.co.uk/news/business/news/age-discrimination-uk-work-old-jobs-women-equalities-committee-mps-a8450066.html   

 

I don’t think that the UK is particularly less ageist than Australia (although Queensland is a tough market). I found in the UK that there was more of a shortage of skilled workers and so they couldn’t necessarily be so picky - also change management/Project delivery was taken more seriously, so there was a preference for more experienced, resilient workers to get the job done. I lost out on an ICT change role in QLD last year to someone whose expertise was mostly busking, travelling and had previous role titles such as ‘inventor of things’. Sure, they were after a fun youngster rather than a person with 20 years solid ICT change experience - but that wasn’t how the role was advertised. In my experience, preference is always given to youth over experience in Queensland, even at the risk to delivering a successful project. I’ve been back to UK a couple of times in the last 13 years for contracts and my experience has always been a deciding factor for employers.

15 hours ago, Vickie78 said:

LOL Just as we were talking about earlier, this appeared on my FB feed... Surprise! Not! (Re: Ageism in Australia, and now recruiters have been told not to put forward people over 40, because they "don't fit the culture") 

 

https://www.abc.net.au/news/2020-02-07/recruiters-told-to-discard-older-job-applicants/11940558?sf229718208=1&fbclid=IwAR08BBJWSDF0Gw_briBhw1-Ivr_9v8Wt9w7KtSst69-6qVcZc9ega8aEf4s

Part of me wishes that age discrimination was still legal! I remember as a 32 year old being told by my recruiter that I was too old to apply for a website development role. At least they were honest with me despite it being ridiculous. Now it is illegal to discriminate on age, you get the run around ‘too experienced’ ‘too expensive’ ‘not a good cultural fit’ etc... if companies were honest about age discrimination we could boycott them, name and shame and target employers who claim to be diverse in their recruitment practice. QLD government don’t even monitor age discrimination - as a major employer in Brisbane ageism isn’t seriously considered in their diversity strategy - so disappointing