Thank you for your message Marisawright...appreciate it greatly. I discovered a post regarding Australian Pension implications before I became a member of PomsinOz and was more than a little surprised! I'm probably 12 to 17 years off retirement depending on the retirement age (65/70). It's all such an unknown isn't it?...I have a real longing to go back to England but, of course, who knows what will happen when I get there? Reading many of the posts already, for some "it works" for others it was a 'huge mistake". Anyway, I will put up my first post soon and share a little bit more about me and my situation. Thanks again for your advice! Regards...