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Thread: Housing Benefit

  1. #21
    Premium Member caller's Avatar
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    The OP hasn't been online since the end of February.
    'Tis me

  2. #22
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    Quote Originally Posted by Barnet View Post
    ...from what I can gather you're moving back to the UK to do so. If this is the case and not too personal would you mind giving the reasons why?
    Reading what he wrote, it looks like it's because there are more benefits available. Housing benefit, child benefit, tax credits all mentioned. Free healthcare on top of that. If his wife and stepsons became citizens, presumably they would have a supportive safety net that they wouldn't have in Thailand even if he died. On top of that, opportunity for higher wages if you work.

    - - - - - - - u p d a t e d - - - - - - -

    Quote Originally Posted by Barnet View Post
    I would like to do the same but faced with the cost of living here and the visa requirements I just can't see a way of getting it done.
    Cost of living where? In the UK? It's not that bad, apart from housing and eating in restaurants (which we don't really do here). Thailand's catching up. Even for housing, just like you moved up country in Thailand, couldn't you try different parts of the UK?

  3. #23
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    I'm from North London, my family moved to Hertfordshire about 15 years ago due to the increasing cost of living and even those areas (Ware, Hertford, etc) are now ripping holes in pockets. One of my family moved to Stevenage where house prices seemingly never alter that much but it has a much higher crime rate and other negatives. I like Suffolk where my dad is and property is very reasonable but employment is low or very poorly paid. As a wannabee returning ex-pat I just can't see how first time buyers with an average salary can get near the property ladder.

    As for eating out or socializing, the price of a pint now or pub lunch is extortionate. I've been all over the UK in the last month and taking friends out to pubs/ local restaurants has been a joke. Add public transport prices and it soon becomes a very expensive way of life.

    Visiting the UK twice a year from Thailand is a real eye-opener for me. I'm first to criticize Thailand for many things but cost of living compared to what you earn is far better than the UK.

  4. #24
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    It's really just property and things like eating out and taxis that are more expensive here. And I no longer use the last two. Don't you have a kid now? I've got two and have accepted my life is over with regard to going out, eating out or having any time to myself

    Other things are often cheaper or as cheap. I think there's actually deflation in food prices right now. Aldi and Lidl have changed the landscape, causing price wars. 5 or 6 nectarines for 67p? 5 baht each! Yum! Baby milk? Much cheaper in the UK than Thailand and much more choice. Ditto all kinds of baby related products. There's more competition from the Internet here so a lot of white goods are cheaper and there's much more choice. Internet? Faster and cheaper here. 4G? Have they even got that yet in Thailand? Wine's cheaper and better. Strawberries, bread, etc, etc.

    Even with property, the deposit's the real hurdle. Once you've got that, mortgage rates are low. I'm not paying that much more for my house every month than for my condo in Bangkok. And my 100+ year old house is better constructed than the 2 year old condo which already had bits falling off!

    Could you ever hope to get a mortgage in Thailand? How have property prices gone up there in the past 10-20 years? And at least in the UK you'd be on a sure footing, protected in law. The property would truly be yours. You have the right to stay in the country forever, right to free healthcare, education, etc. You wouldn't have any big Somchai building a massive car park in front of your house as soon as you'd bought it.

    If you need to be near to London, you could still look at the towns that are going to be on the new high speed links going into London. A lot are far out in distance but not in time.

  5. #25
    Veteran ผู้มีประสบการณ์ prikphet's Avatar
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    UK healthcare would be a major attraction to me also, I had need to call an ambulance last week for my wife which was a first it was outside my front door in approx 4 minutes....pretty awesome.

    my missus also can't believe how cheap some clothes are here she's constantly coming my in from marks and Spencer's with bargains for 1 or two quid. Last weeks bargain was some boots for the little one 38 quid down to 2.50.

  6. #26
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    Yes, I have a 5 month old baby and you're right about his requirements being cheaper at home. I went to Asda and found stacks of clothes for him at a fraction of Thai prices and twice the quality.

    In regards to housing the cost of a deposit for a house in the UK would buy a whole house outright here. The downside is the quality and as you mention, who lives around you.

    Given the choice I'd be back home in a shot but the costs of doing so with my wife and son in tow are very high and the chances of success seemingly low.

  7. #27
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    Ebay and charity shops also help here. My wife's addicted to them for baby things. It makes sense for baby toys especially where you're not going to use them for very long.

    Personally I haven't found it to be much more expensive here. The wife adapts, reins in her spending in the UK. She questions whether she needs that thousandth pair of shorts that is only slightly different to the other 999 pairs, etc. Money doesn't leak away so easily - it goes on the babies and the house, which I prefer.

    Do you know about help to buy? That could help with the deposit. https://www.gov.uk/affordable-home-o...y-equity-loans

  8. #28
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    Thanks for the link.

    The problem isnt the deposit it's how to get a start back home. For starters I'd have to go back to uni and get a PGCE. This entails paying foreign student rates. Then obviously the years loss of earning whilst studying. All this whilst supporting my family with little assistance benefits wise. I've never claimed a penny in my life so it's all new to me.

    These are all my own problems rather than England's but it feels like Everest in relation to making it a realistic possibility.

  9. #29
    Veteran ผู้มีประสบการณ์ prikphet's Avatar
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    Can you not do PGCE via open university?

  10. #30
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    Can you use an online PGCE to teach in the UK?

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