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 If you want to know how...

Getting a Job Abroad

The handbook for the international jobseeker

'Practical advice on finding the country where you can

make the most of your skills.' - The Guardian

Times of Our Lives

The essential companion for writing your own life story

'Whether you are looking to write your life story, or simply

enjoy reminiscing, you will be amazed at what you remember
with the help of this book.' - Daily Telegraph

Your Retirement Masterplan

How to make sure you have a fulfilling and enjoyable third age

This is the most down to earth, common sense book on

retirement I have ever read' - BBC Radio Humberside

Send for a free copy of the latest catalogue to:

How To Books
Spring Hill House, Spring Hill Road
Begbroke, Oxford, 0X5 1RX, United Kingdom
email: [email protected]
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Your complete guide to
a fresh start in the sun

3rd edition

ROGER JONES
By the same author
Getting a Job Abroad
Getting a Job In America

Published by How To Content,

A division of How To Books Ltd,
Spring Hill House, Spring Hill Road,
Begbroke, Oxford 0X5 1RX. United Kingdom.
Tel: (01865) 375794. Fax: (01865) 379162.
email: [email protected]
http://www.howtobooks.co.uk

All rights reserved. No part of this work may be reproduced or stored in an

information retrieval system (other than for purposes of review) without the express
permission of the publisher in writing.

The right of Roger Jones to be identified as the authors of this work has been
asserted by him in accordance with the Copyright, Designs and Patents Act 1988.

© Copyright Roger Alan Jones 2006

First published in paperback 2006

Second edition 2002
Reprinted 2003
Third edition 2005
First published in electronic form 2007

ISBN: 978 1 84803 050 3

NOTE: The material contained in this book is set out in good faith for general
guidance and no liability can be accepted for loss or expense incurred as a result of
relying in particular circumstances on statements made in the book. The laws and
regulations are complex and liable to change, and readers should check the current
position with the relevant authorities before making personal arrangements.

Produced for How To Books by Deer Park Productions, Tavistock, Devon, UK

Typeset by PDQ Typesetting, Newcastle-under-Lyne, Staffs, UK
 Contents

Preface ix
Acknowledgements xii

1 The Third Age Dawns 1

New attitudes towards retirement 1
Making a fresh start 4
The lure of foreign places 5
Planning ahead 7
References 9

2 Thinking Things Through 10

The Third Age and beyond 11
Permanent or temporary foreign residence? 12
Your dependents 13
Your home in the UK 16
Your financial health 18
Staying on 19
A different social environment 19
Going to live with other people 20

3 Choosing a Location 22
Physical location 23
Other considerations 26
Finding out about the location 41

4 Acquiring a Property 43
Renting 44
Buying 46
Checklist 56
Legal aspects of buying a property 65

5 Health and Social Security 73

Your state pension 74
Other pensions 78
Additional state benefits 79
 Health service 80

6 Financial Matters 86
Taxation 87
Investments 96
Insurance 101

7 Preparations for Departure 104

Checklist 104
Banking 104
Cancellations and disconnections 106
Car 106
Children 108
Electoral registration 110
Financial planning 110
Forwarding of mail 110
Your home in the UK 111
Language training 112
Legal advice 114
Medical matters 114
National Insurance 117
Passport and visa 117
Pensions and other benefits 118
Pets 119
Removals 120
Travel arrangements 122
Your will 123
Checklist 124

8 Settling In 126
Banking 126
British Consulate/Embassy 127
Car 128
Church 128
Driving 129
Legal matters 129
Local authorities 130
Residence permit 131
Social security 131
Taxation 132
 Utilities 132
Your new address 133
Acclimatisation 134
Reference 137

9 Enjoying a Foreign Lifestyle 138

Discovering your new lifestyle 138
Get to know the country 139
Learn the language 140
Get to know the local people 141
Develop new interests 142
Keep in touch with home 143
Eat sensibly 145
Keep fit and healthy 146
Finding work 147

10 Dealing with Emergencies 149

Accidents 150
Culture shock 151
Death 152
Disability 153
Hospitalisation 154
Incompatibility 155
Marriage problems 156
Shortage of funds 157
Keeping safe 159
Trouble with the authorities 160

11 Returning Home 161

Before you go 162
Selling up 164
When you arrive in the UK 169
Reference 172

12 Alternatives to Retiring Abroad 173

Reasons for not retiring abroad 173
The alternatives 175
A job abroad 182
A final word 185
viii

Appendix A Retirement locations in Europe 186

Andorra, Austria, Azores, Balearic Islands, Bulgaria,
Canary Islands, Channel Islands, Croatia, Cyprus,
France, Germany, Gibraltar, Greece, Irish Republic,
Isle of Man, Italy, Madeira, Malta & Gozo, Portugal,
Spain, Switzerland, Turkey

Appendix B Retirement locations: rest of the world 226

Australia, Bali, Brazil, Canada, Caribbean: British
Overseas Territories (Anguilla, Bermuda, British
Virgin Islands, Cayman Islands, Montserrat, Turks &
Caicos Islands), Caribbean: Independent States
(Antigua & Barbuda, Bahamas, Barbados, Dominica,
Grenada, Jamaica, St Lucia, St Kitts & Nevis, St
Vincent & The Grenadines, Trinidad & Tobago),
Dubai, Israel, New Zealand, Saint Helena, South
Africa, Sri Lanka, Thailand, USA

Appendix C Directory of useful addresses 261

Associations and services 261
Education 264
Emigration advisers 264
Employment opportunities 267
Estate agents (UK) 268
Estate agents (abroad) 285
Finance 289
Government departments 291
Holidays 292
Insurance 293
Language learning 294
Legal services 296
Removals 298

Appendix D Bibliography 300

Index 303
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 Preface

If you are planning to retire in the near future or have

already done so, this is the book for you. Retirement
brings with it so many advantages. You are no longer
bound to a strict work routine and can make use of your
newly found freedom to indulge yourself a little.

However, just because you are retired does not mean that
you are old. You are not yet of an age when you are
content to sit back and reminisce about the past. Instead
you are determined to live life to the full and fulfil as many
of your aspirations as you can. These may well involve
spending time in a different - probably warmer - clime for
part or even all of the year.

But how does one set about turning these dreams into
reality? How to Retire Abroad offers suggestions and
advice, and also provides a wide range of contacts - from
estate agents to embassies, from furniture removers to
financial advisers. Such assistance could prove crucial,
since moving abroad is not without its pitfalls. It is
essential to investigate carefully before taking the plunge,
and this applies whatever your age.

I do not want to give the impression that retirement

abroad is difficult or impossible. Already one million
British pensioners are living abroad, and that number is
increasing rapidly. One think tank estimates that by 2020
the number of British people aged 55 and over living

ix
outside the UK on a permanent basis will increase fivefold
and they will be increasingly adventurous in their choice
or retirement location.

If this prognostication is correct, over the next 15 years

some four million individuals will require advice on how
to set about fulfilling their dreams. I am therefore pleased
to present a completely revised and enlarged version of
this book which aims to make the task as smooth as
possible.

The number of countries featured has been increased:

Brazil, Bulgaria, Croatia, Sri Lanka and Thailand are
making their first appearance this time round. I have
extended the reference section to include estate agents who
deal with some of the more unusual destinations, such as
Goa, Argentina, and Bali. The number of emigration,
financial and legal advisers has also been increased and
nearly every page has been updated and modified in some
way.

I hope that this new version will prove an indispensable

guide in your decision making, raising points you may
have overlooked and steering you successfully in the right
direction. However, I cannot emphasise too strongly that
because individual circumstances differ greatly, it is only
possible to offer general pointers in the pages of this book.
I therefore recommend that before you venture into the
unknown you seek out as much advice as possible specific
to your own situation. It is vital to look before you leap.
 xi

Unfortunately, no book of reference can claim to be

completely up to date. Organisations come and go;
addresses and telephone numbers seem to alter with
increasing rapidity; laws change, particularly those relat-
ing to immigration, social security and taxation. So you
should never hesitate to contact the relevant authorities
and professionals for the very latest information, a chore
now made somewhat easier thanks to the technological
wizardry of the Internet.

Nor can a book of this size be all-embracing. I have

concentrated on the countries which are currently the
most popular destinations for either retirement or long-
stay holidays. I also suggest others which could well
develop into retirement havens in the future. Of course,
there are many other places which have retirement
potential, and my selection should in no way inhibit
your choice.

I am, incidentally, always pleased to receive suggestions

and comments that might be incorporated into future
editions of this book. In the meantime I trust that this
volume will help you to reach the right conclusions and
that you will enjoy a full and rewarding retirement.

Roger Jones
xii

Acknowledgements
It would have been impossible to write this book without
the assistance of a number of people in the UK, Spain,
Cyprus and elsewhere who have given generously of their
time to offer me suggestions and answer questions.

I am particularly grateful to FOPDAC, NAEA, David

Barrasford, David Green (Brazil Property Services),
Malcolm Knight (KEI Homes), John Howell and Co.
and Outbound Newspapers for the help they have given
me in the revision of this book.
 The Third Age Dawns

'Retire' according to Chambers 21st Century Dictionary

means 'to withdraw; to retreat; to withdraw from society,
office, public or active life, business, profession, etc; to go
into seclusion or to bed'.

This hardly describes the lifestyle of most of the retired

people I know. Many lead very active lives travelling,
playing sports, studying, participating in club activities,
gardening, doing voluntary or part-time work. Now that
they no longer have to concentrate on earning a living
they expend their energy on things they enjoy doing. The
last thing they want to do is curl up and have a nap.

NEW ATTITUDES TOWARDS RETIREMENT

Over the years in western countries the nature of
retirement has changed. It is no longer seen as a time
for reflection and inaction, and there are several reasons
for this.

Life expectancy
'One of the greatest achievements of the twentieth century
has been to add over twenty years to the average age
expectancy (at birth) of British people,' notes Professor R
A B Leaper. 'To survive into "old age" is no longer a

1
2

bonus for a small minority of people, but an experience

common to the majority.'1

In the past most people were lucky to reach retirement

age, and even those who did were often too old and
decrepit to enjoy it. Now the average 60-year-old man can
expect to live another 16 years at least, and a woman of
that age can look forward to celebrating her eightieth
birthday. A 65-year-old man can reasonably plan to live
another 13 years, and a 70-year-old another ten.

Improved health
Thanks to improved healthcare, health awareness and
diet, people in their sixties and seventies are on the whole
fitter and healthier than their forebears. Even those who
experience health problems are more likely to surmount
them thanks to medical progress. A retired person can
expect to retain his faculties far longer than ever before,
and even when they become defective medical technology
can often provide a solution.

As a result more retired people than ever are capable of

leading very active lives. Far from being content to sit
back and watch the world go by, they want to play a full
part in it, prepared to meet fresh challenges and filling
their lives with a wide range of activities, including sport.

Early retirement
People are retiring earlier. For some public service
employees retirement at 55 seems to be becoming the
norm, and it seems that 70% of private sector workers
finish work by the age of 60. Fewer than 60% of British
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