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Is The Grass Really Greener Overseas?

Harvey Jones
by Lovemoney Staff Harvey Jones on 17 October 2008  |  Comments 35 comments

Going to the dogs? We're not the only ones.

The UK is probably the worst country to live in the history of the world. Dirty, indebted, overcrowded, unequal, celebrity-obsessed, crime-riddled and in a word, broken.

At least, that's the impression that you get from reading the newspapers, and that was before the credit crunch struck.

I spend a good chunk of my time in Norway, and one cultural difference that strikes me is how negative the British are about their own country (Norwegians think theirs is the best in the world). We love nothing more than to moan about its shortcomings, that's when we're not actively planning to leave.

Which is exactly what many of us are going to do. Around 2.1 million Britons plan to escape our troubled economy and earn a living overseas in the next 12 months, according to new research from Cater Allen Private Bank.

Tent cities and soup kitchens.

Now I'm all for foreign adventure and a bit of get up and go, so the best of British to these aspiring emigrants, but I wonder whether they are ever-so-slightly deluding themselves.

Because in case you hadn't noticed, the credit crunch is a global phenomenon. The UK economy isn't the only one in trouble.

So where are our itchy-toed compatriots planning to go to escape the crunch? The US? Perhaps they could move into one of the newly-opened tent cities and find a job serving in a soup kitchen. Right now the States is in an even worse state than us (although we're catching up fast).

Rain in Spain.

Or that old expat fave, Spain? I don't think so, with property and employment sinking at a rate that makes the UK housing and job market look buoyant. All the sunshine in the world won't cheer you up if you can't get a decent job. Ireland? Ahem. Denmark? Italy? France?

All these countries are facing similar troubles to our own, in some cases worse, and I haven't even mentioned Iceland (okay, I doubt many Brits are planning to relocate there.). The UK may be massively indebted, but at least it isn't bankrupt.

I should probably add "at time of writing". Things have a habit of moving very quickly these days.

Admittedly, other expat haunts such as Australia, Canada and New Zealand are in a better state than Blighty (and they're cleaner and less crowded), but even they risk getting sucked into the global downturn.

And the Dubai bubble may not burst for a year or two, but I bet it will. If we are heading for a depression, everybody is going down.

Farewell to Posh.

To back up my case, here comes another piece of research, nicely timed to sober up those dreaming of a new life overseas. "Credit crunch is biting abroad," reports Bupa International.

Shock, horror, even sun-soaked expats are spending less and struggling to save, and cutting out luxuries such as holidays and clothing.

While those who rely on money from the UK are being tormented by currency fluctuations, with the pound falling 17% against the euro since the start of the year.

So it's not all gravy.

Although of course they aren't being knifed by hoodies, continuously rained on, swamped by Posh Spice trivia or permanently gridlocked on the M25, daily hazards faced by the British-based population.

Must grumble.

Moving abroad is a big decision. If you have a job to go to, then I would snap it up (the sun, the prices, the tax regime!). Bupa's research does show that despite the global financial uncertainty, more than three-quarters of expats say their lifestyle is now better, mostly due to the weather and way of life.

But if you don't have a job, remember that foreign lands are suffering from a few unemployment problems of their own.

You should also beware the British disease. As anthropologist Kate Fox pointed out in her entertaining book Watching the English: the Hidden Rules of English Behaviour, the nation is permanently convinced that it is "going to the dogs".

For a nation whose national catchphrase is "mustn't grumble" it seems that we do nothing else.

I remember the surprise and dismay after research published last year (pre-crunch) suggested the average British wage is higher than in the US. Nobody believed it. More importantly, nobody wanted to believe it, because it contradicts our cherished notion that, yes, we're going to the dogs.

Remember, this cramped and tiny island is actually the world's fifth biggest economy. A shrinking economy, perhaps, but not the only one. China has only just overtaken us, with its billion-plus population and vast tracts of land.

So let's not be too down on poor old Blighty. The sky may be bluer overseas, but the grass isn't necessarily greener.

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Comments (35)

  • LastChip
    Love rating 92
    LastChip said

    Norwegians think theirs is the best in the world

    That's because it is! Great people and an absolutely gorgeous country.

    Shame it gets a bit cold in winter.

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  • DonaldTramp
    Love rating 0
    DonaldTramp said

    3 of my educated mates have recently moved abroad and they are NOT coming back.
    The tax burden on the working middle classes in this country is absolutely ridiculous. What is this in aid of?
    A growing underclass who believe they are ENTITLED to seemingly anything they ask for and a useless bureaucratic public sector.
    I'm sick of paying a ludicrous amount of tax. Labour has increased the burden massively since they got in.
    Honest decent working people in this country get hammered.
    What do we get back for it?
    A bloated public sector that is increasingly becoming our lord and master instead of actually serving us, with their bullet proof final salary pensions (yet they still want go on strike!)
    A massive amount of people who simply will not work. It is well documented about the level of abuse and people milking the system.
    Why should I work hard to pay for this? Why not just join them?
    I do think think we live in a great country, unfortunately the way it is being run is appalling.

    And yes if it keeps going this way, I'll be off as well. I'll pay less taxes in a country that appreciates me instead of milking me.

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  • scotcitz
    Love rating 0
    scotcitz said

    This article intrigued me because I am a 'backward' ex-pat - I left the US for a job in Scotland 12 years ago. I always find it intriguing that Brits can't see a lot of the advantages here, particularly the NHS and excellent, low-cost state universities (OK, I teach at one so I am a bit prejudiced there but they are very good and a fraction of the US price). I know there are flaws in the NHS, but there are plenty of flaws in the US health system as well and you pay through the nose. I'd far rather ride out a recession in a country in which if you lose your job you still have health care and it's a lot more likely that your children will have decent state schools ... Many of my British friends are surprised to find that US paychecks take a big hit for state/local taxes as well as health-care premiums, if they're lucky enough to have a group policy. You might be a bit surprised if you made a list of those things that you take for granted. But far enough, most places do have better weather ... although my family in Florida are hit with huge bills for air conditioning, something we certainly don't fret about in Scotland!

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  • Vitalius
    Love rating 0
    Vitalius said

    LOL!

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  • Secaria
    Love rating 0
    Secaria said

    FORGET ALL THIS ECONOMIC RUBBISH AND FORECASTS, AND WHETHER CHINA HAS OVERTAKEN UK IN THE TABLETS

    Two Rules

    (1) Go and try it out, live there for 6 to 12 months. Keep your UK contacts in case it doesn't work out as planned

    (2) After 12 months - live where you feel happier, obviously a good job increases your happiness, and no job can seriously reduce it.

    But
    IF YOU ARE HAPPIER THERE - STAY THERE

    I did.

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  • Swarbs
    Love rating 273
    Swarbs said

    For a nation whose national catchphrase is "mustn't grumble" it seems that we do nothing else.

    Unfortunately "mustn't grumble" is now only the catchphrase of Lancashire, where it originated. I think the rest of the UK has adopted Private Fraser's "we're doomed!". Type "private fraser doomed" into Google.co.uk and you get 17,500 pages on the subject, the top fifty or so almost exclusively devoted to the current crisis.

    I moved to Russia about a year ago with my Russian wife, and the level of worry seems about the same over here. Two of our friends are worried they're going to lose their jobs, one of them has a US dollar mortgage which has just gone up in cost by 20% (the dollar's rebounding all over the world since last year's fall), inflation is running at 15% and £1,000 a month is considered a high salary. On the plus side, tax is a 13% flat rate, so I'm staying here until I've built up enough savings to return and put our daughter through the UK higher education system. Ah, playing the system. It ain't big but it sure is clever...

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  • roderickeaton
    Love rating 0
    roderickeaton said

    Donald Tramp makes some very good points. It is high time the UK public sector re-invented itself. Providing and improving services should be the key issue not trying to tell people how to live their lives. As a local councillor I can see both sides. This government has created crazy targets and legislation that encourages the 'bureaucratic' rather than the 'service' mindset. It has also introduced very costly initiatives biassed much more to 'political correctness' than serving the great people of our Nation. Trivia and hype abound!

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  • andersng
    Love rating 1
    andersng said

    Interesting to see perceptions that the tax burden has increased dramatically in the last few years. Here are the facts, from the Adam Smith Institute's Tax Freedom Day calculations:

    http://www.adamsmith.org/a-history-of-tax-freedom-day/

    So the tax burden is slightly higher than it was 10 years ago, slightly less than it was 20 years ago and substantially less than it was 25 years ago. In fact, Tax Freedom Day has only changed by a week or two over the last 40 years.

    Of course, whether the tax money is well spent is a different question entirely!

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  • gulliblejack
    Love rating 0
    gulliblejack said

    Donaldtramp has it right. To add to the gloom, the country has long-term problems highlighted by the following: four years ago, my son-in-law, fed up with working for the government instead of himself, closed the business established by his grandfather and took my daughter and my grandchildren off to New Zealand. They went out by cruise liner. The ship was packed with people doing the same thing - emigrating. These were and are people in their productive years, the ones whose efforts power the country and have the heaviest tax burden. Those left are the layabouts, the halt and the lame, the retired (like me) and an inflated public sector with a "we are the masters now" approach to the public they are supposed to work for.
    What does the future hold? The country will recover, as it has in the past, but this will take some time and requires the sorting of basic flaws like the handout society and the ability of some sections of the population to cream off many times more than is justified. How do we achieve this while avoiding soviet-style control (that public sector again)? Politically we need another Margaret Thatcher to achieve this in my lifeteime but there are few signs that it is happening just yet.

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  • Mr Logic
    Love rating 3
    Mr Logic said

    I agree entirely; slash taxes and remove the public sector. I'll dig your roads, if you operate on my appendix and provide the seven hours a day childcare that schools bring before they start educating anyone. Oh and can you make sure my senile dad doesn't wander down the road and join the knife-wielding hoodies who are enjoying the abolition of the police force.

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  • mikemathews
    Love rating 0
    mikemathews said

    And what about the youngsters who WANT to work? Our daughter graduated from university this summer and is still trying to find a job (any job) in the worst unemployment situation for years. She cannot even get any assistance or benefits, because she has not worked and payed into the system. She is seriously considering moving to Dubai, where we lived for a number of years, and her brother lives now,as there are still plenty of good opportunities there. The bubble may be set to burst in a few years, as UAE finances are also being affected by the global situation. But the point is that there is the chance of at least a few years of (income) tax free living and the chance to gain the vital 'experience' that all employers state as the reason for not being able to employ her in Britain.

    Yes the grass IS greener. It was for us and is for our children and for many other youngsters we know. Britain holds very little attraction for them and until the tax regime, benefits system, government inefficiencies and immigration policies are overhauled and improved.

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  • sexysquishedrat
    Love rating 1
    sexysquishedrat said

    Some very valid points made about the public sector although slightly unfair to blame the employees. After all they're just doing ther jobs and have very little control over what and how they do it. If they dont like it then they can always quite and join the ranks of unemployed. I would guess the people that should be blamed are the government who were voted in by oh yes... thats right ... us! (I guess we should be careful what we wish for!)
    I like others seem to be quite annoyed at the way we are going with a 'bureaucratic' rather than the 'service' mindset taking over (as highlighted by a previous poster.
    As for the country recovering as suggested by the previous poster, I'm not so sure - a large number of people, small(ish) country, no national resources - just where will that recovery come from?

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  • danscrew
    Love rating 0
    danscrew said

    Just for the record I never voted for the current UK Government!
    I have been retired for the last 5 years in Kas, on the Mediterranean coast of Turkey. It is fairly rural here & the lifestyle, family values, behaviour & hospitality are akin to Britain 40 years ago. Here we have some of the cleanest & clearest sea water to be found & superb weather. We enjoy a low cost of living, excellent but cheap health care, history, sea & sun. There is very little Welfare State provision. If you don’t work you starve. If you are disadvantaged your family and the community care for you. These ethics could do with being re-introduced into the UK.
    On the down-side: It can get a bit hot in the summer; consumer choice is restricted except in the big cities; the bureaucracy can be frustrating; and cheating someone is considered clever in the Turkish mindset. Pensions are not taxed in Turkey, so my private pension (continually reduced by UK government policies and now obliterated), can be stretched to give me a more beneficial lifestyle. So, in common with many others in my situation, I have removed as much as possible of my wealth from “Cool Britannia” & the raft of people there who were trying to claw it away from me.
    The last manifesto pledged to reduce Income Tax & reduce the burden of the Welfare State. Of course National Insurance is not a tax & Tax Credits are not Benefit Payments! So perhaps this government have succeeded? They believe arrogantly that they are better at spending our money than we. They appear not to see the irony of inflating the cost of public services by employing yet another layer of self-serving bureaucrats to ensure that we, the thick electorate & dumb tax payers, are getting value-for-money. These increasing squads of public sector workers invent yet more regulations, monitor targets for Politically Correct nonsense & operate Support Groups for social-inadequates who see permanent welfare as a career.
    Then we have:
    The vandals, vagabonds, graffiti artists, muggers, hoodies, joy riders, aggressive beggars, Eastern European pimps & the just plain lazy, maladroit & incompetent who supplement their welfare benefits with criminal activities.
    The “lads” who find that 12 pints of Stella, 3 lines of Charlie and a Viagra tab is the recipe for a good night out
    The blame culture encouraging claims by persons with whip-lash & repetitive strain injuries; now replaced by stress as the latest disease to afflict the public work force with their in-built sick leave & establishment absenteeism. The industrial tribunals for the serial appellants & the work-shy. Apply for a job for which are not qualified, get rejected & then enter a case for discrimination. (But you can't use this scam if you are a white, agnostic, heterosexual male, born in the UK.)
    The increasing cost of fares to use a failed transport system with overcrowding, cancellations, delays & filthy trains & stations. The Road Tax increasing as fast as gridlocked traffic, the Congestion Charge, exorbitant parking meter fees & rapid clamping. Reducing congestion by making it too expensive to drive rather than improving the infrastructure. Using a tiny, boring but fuel efficient car rather than following the example of Deputy Two Jags the inarticulate buffoon who was responsible for our disintegrated Transport Policy.
    Becoming a criminal by not paying your compulsory Licence for dumbed-down BBC to watch increasingly bizarre soaps, contrived celebrity-obsessed trivia, pop idol pantomimes, mind-numbing quiz shows & the condescending wall-to-wall DIY make-overs.
    Pay speeding fines to finance the police to solve even less crime.
    Spend a quarter of your life working to pay for other’s welfare. Waste another quarter of your short time on Earth paying for the enthusiastic legislators, think-tanks, quangos & pressure groups who provide it by starving us with a diet of increasing taxes, regulations & demands. Either work until you are 70 to support them all or move out of Britain & enjoy your retirement. Go back to the rain, never!

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  • sexysquishedrat
    Love rating 1
    sexysquishedrat said

    Danscrew, thanks I really enjoyed that! - if I were in your position I actually would want to return to the uk (but only in a box!!!) ... enjoy your retirement.

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  • wally144
    Love rating 26
    wally144 said

    Overall, the UK is not so bad as some other countries, but not many.
    When you have a situation where more than 1 in 5 of working age people work for the government (as is the case in the UK) there is a danger of too few people working to pay for the bureaucracy. So the government has to borrow to pay for these people and their 'programmes'. The result? We as a country are in debt, and as the economy slows, guess which jobs will go last? And the per capita debt grows. As do taxes, both overt, and stealth.
    Our manufacturing industry has all but disappeared, so we are reliant on service industries and banking. In an economic downturn jobs can be shed incredibly quickly in such an economy, so the effects are rather more immediate.
    I have worked in the UK, the far east, europe, Canada, and the USA. While they all have their advantages and disadvantages, my choice for overall quality of life is Canada. The weather is reliable - warm summers, cold winters, clean air, in most places, a civil service which really is civil, and a generally upbeat population - maybe because a large proportion of the population are immigrants, or the children of same. They see opportunities where people living in the UK see issues.
    My advice to young, ambitious Britons who want to improve their quality of life for themselves and their children, is: leave while you can!

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  • rggraham1947
    Love rating 2
    rggraham1947 said

    I moved to the richest (per capita) country in Europe (Luxembourg) 20+ years ago, only intending to stay for 10 years but I'm still here and now retired. Whilst the UK has gone steadily downhill, Luxembourg has been improving all the time, so that I would never return to the UK, even if I could afford to. The standard and quality of life is high, health care is well organised and financed on the Social Assurance model, "council" tax is insignificant yet council employees are well-paid and pensioned (work it out for yourself!) If you have no rent or mortgage (I paid my 20 year mortgage off after 10 years), living here is cheaper than the UK and we have France, Germany and Belgium half an hours drive away, where the shopping is cheaper still.
    I get a pension comparable to the UK state pension, having contributed approximately 3 years to the state pension scheme. I don't know how they do it but the UK could learn something from it.

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  • billyboy121
    Love rating 18
    billyboy121 said

    danscrew, very much enjoyed your post even if I didn't agree with all of it, just very interesting to read.

    I stay in the UK for my family. If it wasn't for them, i'd have moved to one of the emerging economies years ago. I despair of this government - read in the FT yesterday that there's a growing movement in the Labour party towards widescale nationalisation. Astonishing. Maggie Thatcher may've been wrong on a number of things, but privatising the lumbering inefficient behemoths of the post war years wasn't one of them. I can see income tax reaching 60% if these people get their way.

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  • danscrew
    Love rating 0
    danscrew said

    Does anyone else see the irony of a situation where the UK Government believes that we not are responsible enough to properly control our own pensions(in case we fritter the capital on wine, whisky and fast cars.) Whilst they can pursue policies that decimate these pension funds and leave us in poverty?
    Had I been able to move my hard earned SIP pension out of the UK stock exchange into my property investments in Turkey I would now be a lot richer. Especially in recent days!

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  • Nickipenaluna
    Love rating 1
    Nickipenaluna said

    We moved to France two years ago when we retired. We were able to put the extra from the sale of our UK house into and 'Assurance Vie' which gives us some income and is safe from inheritance tax. Yes the cost of living has gone up and the pound has fallen against the euro, but we are still better off and have a better standard of living than if we had remained in the UK. It is warmer, dryer, food hasn't done the 'food miles' to get to us, and the french people are friendly and contented. My son moved here five years ago and is well established as an electrician, my daughter also made the move and does a multitude of different jobs and makes a living. I also now have two bilingual grandchildren. It's not easy for younger people but those whe have a trade (plumbing, electrics, building etc) and are prepared to work hard the prospects are good. I would say to anyone thinking of making a move - have a go but make sure you have the means to return. It is not to everyones liking.

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  • munetonb
    Love rating 0
    munetonb said

    any one are not happy in the UK feel fre to go and stay any where you like, many English people going to live overseas only to dream be in Uk and tell every body I am from UK (English) and tell how the Uk is better and country they live now, they watch englih tv. and buy english newspapers they say we run out of UK because are to many pakis poles and rumanos only to be amother foring person ja ja jaja ha ha ha

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  • MartinEdney
    Love rating 0
    MartinEdney said

    If any British people reading this do decide to move abroad, I only hope they will get a better welcome than that given recently to people moving to the UK. Many British people are quick to criticise and hate foreigners moving here, but wouldn't dream of any restrictions being placed on the ability of Britons to move to any country of their choice at a time of their choosing.

    What goes around comes around!

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  • cobeeks
    Love rating 0
    cobeeks said

    I think many are taking steps in how they educate their children (in it's broadest sense): so they don't feel tied to this country long term.

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  • rggraham1947
    Love rating 2
    rggraham1947 said

    If he's a product of the UK education system, munetonb makes the case for moving abroad very eloquently!

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  • turkishmed
    Love rating 0
    turkishmed said

    I enjoyed the comments to "Is the Grass Greener Overseas" However, I am unable to print out these comments to show friends. Can you Please explain why the comments section won't print.Thank You.

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  • lovebunny
    Love rating 37
    lovebunny said

    Hi turkishmed,

    bad news -- comments are removed when the page converts to print-friendly mode. my best suggestion is to copy and paste the comments into a word document and then print them.... a bit labour-intensive, but perhaps the only way!

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  • lovebunny
    Love rating 37
    lovebunny said

    Hi turkishmed,

    bad news -- comments are removed when the page converts to print-friendly mode. my best suggestion is to copy and paste the comments into a word document and then print them.... a bit labour-intensive, but perhaps the only way!

    Report on 20 October 2008  |  Love thisLove  0 loves
  • texolex
    Love rating 0
    texolex said

    The comments re this article have been brilliant.

    I lived and worked abroad for 10 years - returned to the UK to change my profession and get some relevant experience before disappearing again....for good. That was 14 years ago.......so now I guess I'll finish my working life here.

    The truth is that I don't feel like I am a "permanent resident" in the UK anymore. The way of life and the way people act and treat each other is so different to when I was young that it is NOT the same place I grew up in, plus my time abroad changed my outlook on life, nationalism, patriotism etc.

    I would like to find a place to retire to that has the same values I remember growing up with....less materialism, more community spirit, stronger family ties.....if it exists......or maybe I am just getting so old that I am looking backward with rose tinted binoculars! If the UK changes and becomes that place, that's fine by me!!

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  • JPMOUEIX
    Love rating 0
    JPMOUEIX said

    I also enjoyed danscrews's rant but he protests too much!!! Stay in Turkey, grumble and enjoy your life. Leave the UK to those who wish to enjoy its many benefits. Now retired, I spent 10 years living and working in the USA and continental Europe. At dinner parties, many times the most negative comments on the UK came from those who had permanently left the UK. It was almost as if they needed to justify deserting the homeland. I am now enjoying my retirement in the UK and travelling the world at leisure. By the way, I have just received free superb service from the NHS for a minor operation.

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  • gordonbanks42
    Love rating 11
    gordonbanks42 said

    I wonder how many of the people who complain about certain things have actually experienced them ,or whether they're complaining about believing they're true (having been told about it by someone else). For example, I live 3 miles from J13 of the M25 and I use the M25 rather a lot. To cut a long story short - it works. If I didn't use it so often, I would never believe how good it is to listen to others whingeing about it. When I don't travel to work on the motorway I go into London on the train (35 mins to Waterloo on SW Trains). Again, if I went by what I hear others saying I'd think myself lucky if I even got there 50% of the time. But, to cut another long story short - it works. "Go figure", as my expat friends in Orange County very quickly learned to say.
    "what the thinker thinks, the prover proves"

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  • danscrew
    Love rating 0
    danscrew said

    Thanks to all who posted here, very enjoyable, except munetonb who, sort of, justified my rant. Having had about 40% of my UK wealth decimated in the the last few weeks I was feeling a tad sore.
    I agree that there are still some good things about Blighty, but every time I come back I am glad to leave. It is probably the lack of sunshine and the effects of processed food on my system that is now attuned to the Meditteranean lifestyle. Plus, having paid NI for all my life and never having claimed a benifit I find it hard to believe that I am now excluded from any NHS care.

    Gordonbanks42 - your experience of SW Trains is very different to mine. Perhaps they have improved in the 5 years I have been away? I commuted into London from Haslemere for close on 15 years and it is one of the experiences than I really want to forget.

    When I drive here I am unfortunate if a see another car within 20 minutes, so one's experience on the M25 is relative. It had bad memories for me! On the other hand Turkish drivers are probably the worse and most inconsiderate and careless drivers in the world!

    Who are you going to vote for next?

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  • BritInUAE
    Love rating 0
    BritInUAE said

    I was lucky enough to get sent to the UAE on a 3-month work assignment in 1999. I got the opportunity to stay and have never returned to live in the UK.
    It may be a desert, but the grass looks green from where I am sitting.

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  • elainesteed
    Love rating 0
    elainesteed said

    I lived in South Africa for 11 years and I can honestly say that my life was so much better than living in England
    However if you want to earn money the only place is England or America.

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  • worthabob
    Love rating 0
    worthabob said

    I just hope they don't want the british government to bail them out if their bank goes down.

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  • hungary
    Love rating 0
    hungary said

    My friends from the NEtherlands moved to Scotland some years ago, as the wages here are better as is the healthcare through the NHS. England is lovely ( i am a immigrant of 19 years standing) but for my retirement I will have to emigrate again. I simply cannot afford to live in this beautiful country much longer. I can't even afford to buy a house here. I will go to a country with sunshine, hot water, good health care and cheap houses and affordable wine!

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  • 1marjorie
    Love rating 0
    1marjorie said

    I agree that the British don't appreciate their country enough. It is a beautiful place with an excellent health system.

    I am a GP who worked in the UK for 4 years until 2007. Most days I heard someone (usually a patient after I'd spent a lot of time and energy on them) grumble about the NHS. Since returning to NZ I haven't had one patient complain about the health system although they pay to see the GP and a lot of operations & medications taken for granted in the UK are not available in NZ, or if they are, are at an exhorbitant cost. The waiting lists for cancer patients are so long people pay to go to Australia for radiation therapy!

    The British just don't appreciate what a fantastic health system they've got - until they emigrate!

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Barclaycard 27Mth Platinum Visa

0% for 27 months (3.5% fee) Representative 18.9% APR (variable) Apply
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.9% PA (variable). BT fee is reduced from 3.9% to 3.5% (T&Cs apply).

NatWest Platinum MasterCard

0% for 26 months (2.65% fee) Representative 18.9% APR (variable) Apply
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.95% PA (variable).

Royal Bank of Scotland Platinum MasterCard

0% for 26 months (2.65% fee) Representative 18.9% APR (variable) Apply
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.95% PA (variable).
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