Gran Alacant Forum

Gran Alacant Forum => General Discussions => Topic started by: John H on October 06, 2016, 16:51.

Title: I might have to cut back on puddings....
Post by: John H on October 06, 2016, 16:51.

......if it gets much worse
Every little helps(http://uploads.tapatalk-cdn.com/20161006/2eed3116a40c618213dd30a10681ef24.png)

Regards all

John


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Title: Re: I might have to cut back on puddings....
Post by: dleafy on October 06, 2016, 20:23.

A temporary measure. The UK is booming!
EMF downgraded their doom laden post brexit predictions today.
I still think things will get worse before they get better, but most people the world over now realising that the UK is very strong and has been propping up the smaller countries who were let in without bringing anything to the table.

Cheers

Davy !!!

Title: Re: I might have to cut back on puddings....
Post by: John H on October 07, 2016, 07:36.

I could be cutting back on starters as well!!

Title: Re: I might have to cut back on puddings....
Post by: Maricia on October 07, 2016, 09:12.

Not great and the rate is dropping again this morning.......... :(

The FTSE is seeing its best performance in a long time with the low £ at present.....Once again the rich getting richer etc. etc.

BW

Maricia

Title: Re: I might have to cut back on puddings....
Post by: Gemstone on October 07, 2016, 09:48.

Lets hope that you wont have to cut back on the wine John !  :'(

Title: Re: I might have to cut back on puddings....
Post by: John H on October 07, 2016, 10:15.

Heaven forbid, but I may have to resort to the Conde Noble, it tastes OK when the Mrs cooks with it

Regards all

John


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Title: Re: I might have to cut back on puddings....
Post by: chris and jackie on October 07, 2016, 11:49.

On the positive side if you own a euro asset eg your house yo are getting richer, but those renting with income in sterling or those on UK pensions will be struggling living in Spain

Title: Re: I might have to cut back on puddings....
Post by: John H on October 07, 2016, 12:10.

.....and your pension pot should be at a record high
Every cloud.....

Regards all

John


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Title: Re: I might have to cut back on puddings....
Post by: Corporal Jones on October 07, 2016, 14:01.

Maricia assuming the information in your post isnt taken from a daily newspaper, could you explain how the recent rise in the value of the ftse to new highs is "the rich getting richer etc etc ".

Title: Re: I might have to cut back on puddings....
Post by: Maricia on October 07, 2016, 14:37.

Quote from: victor on October 07, 2016, 14:01.

Maricia assuming the information in your post isnt taken from a daily newspaper, could you explain how the recent rise in the value of the ftse to new highs is "the rich getting richer etc etc ".

Because I work on Wall Street.....................I didn't understand that forum rules meant that I had to explain myself :)

BW

Maricia

Title: Re: I might have to cut back on puddings....
Post by: Corporal Jones on October 07, 2016, 22:05.

Calm down dear its just a simple question for the lesser mortals like myself who dont understand the world of economics and finance. If you cant answer im sure someone else can also wheres wall street is it near the new market ?

Title: Re: I might have to cut back on puddings....
Post by: mike and judith on October 08, 2016, 01:20.

Sarcasm lowest form of wit.
These are turbulent times.
Whatever your opinion, the nation voted out.
We will undoubtedly suffer many less than pleasant times in the next several years, but we have to try to rise above it.
Times will change, a lot for the worse, but with perseverance & decent political guidance, we will extricate ourselves & emerge none too worse off.
Bottom line would seem to be:-
If you're a working Brit contributing tax, then welcome.
If you're a pensioner Brit, living on UK income, still welcome, BUT don't expect Spain to pick up your medical bills when you've contributed nothing.
All in all, that seems pretty fair to me (as a tax-payer here & in the UK)

Title: Re: I might have to cut back on puddings....
Post by: BeachLife on October 08, 2016, 08:19.

I do have to smile - read a few threads on other (spain)  forums people bemoaning the collapse of the exchange rate, saying how their lifestyle as retirees over here has been eroded and their worries about future healthcare here in Spain.

A quick look back reveals that these people were all avid supporters of us leaving the EU - what did they think would happen ?

Title: Re: I might have to cut back on puddings....
Post by: sunseekers on October 08, 2016, 14:32.

Can i ask you Mike and Judith, does that mean that if you pay tax in Spain, that you will qualify for healthcare  ( i.e., your pension payments mean that you will be paying tax ), or do you actually have to be working and contributing not just tax but also healthcare contributions like here, i think, because i think its your national health contributions that qualify you for health care. If its just tax then anyone who does pay tax there could qualify for health care.
 I know my cousin, who has lived in Spain for a lot of years is concerned that the reciprocal agreement for health care may end. We would happily pay to join the health system if that were necessary after all the talking is done, its always been a dream to spend our later years in the sun.
Hazel

Title: Re: I might have to cut back on puddings....
Post by: John H on October 08, 2016, 14:43.

As property owners here we pay tax Hazel, we also pay tax on our expenditure, but it does not mean that we can benefit from pensions or healthcare, other than healthcare under the reciprocal agreement


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Title: Re: I might have to cut back on puddings....
Post by: sunseekers on October 08, 2016, 18:21.

Thanks John, thats what I thought, we will continue to hope that when the shouting is all over there may be a continuation of the reciprocal healthcare agreement or an opportunity to pay to join the health service.
Hazel

Title: Re: I might have to cut back on puddings....
Post by: dleafy on October 08, 2016, 20:48.

Whilst no one can predict the future, I think the chances of the Uk and Spain agreeing on a reciprocal healthcare scheme that is more or less exactly the same as is effectively in place now is fairly certain. I can't think of any reasons why either party would want to upset the apple cart.

Title: Re: I might have to cut back on puddings....
Post by: bertdove on October 08, 2016, 20:56.

It may well depend on how many nationals of the two countries are resident in the other.  And how many are pensioners and a possible burden on their adoptive country´s health service...


Bert

Title: Re: I might have to cut back on puddings....
Post by: Corporal Jones on October 08, 2016, 21:33.

Good point Bert, whilst there are millions of UK citizens living within spain and a good majority of these will be retired. I cant imagine the numbers of spanish in the uk would be huge and most will be younger generation taxpayers. Coupled with these younger spanish not needing so much healthcare, whereas the senior citizen expat needing ever demanding support into old age, why would the spanish want a reciprocal agreement, lumbering the beleagured spanish taxpayer paying the healthcare of GA expat residents. The sums just wont add up.

In fact if you consulted the uk taxpayers they would probably say if you can afford to live in spain you can afford to buy private healthcare stop sponging on the uk that you left.

Title: Re: I might have to cut back on puddings....
Post by: dleafy on October 08, 2016, 21:45.

When I say reciprocal agreement, I don't mean both countries paying the same. After all, they don't at present.
The UK pays far more to Spain for their citizens use of the Spanish system than Spain does to the UK.
There aren't too many Spanish who have relocated to the UK to enjoy our fabulous climate!

As long as both countries run the numbers and come to an agreement, then it's all good in the hood!
I'm certain that's what will happen. It's in both countries interest.

Title: Re: I might have to cut back on puddings....
Post by: mike and judith on October 09, 2016, 00:58.

Healthcare costs can be huge.  As has been stated, Brits here tend to number amongst the senior side of society & thus more needy of health care.  I think it comes down to "do the maths"
Spanish in UK?  Fit, healthy, active, working, tax-payer.  No contest.

Title: I might have to cut back on puddings....
Post by: John H on October 09, 2016, 08:01.

I've just taken a look at the exchange rate, just below €1.11 to the £1
Those from Euroland, in fact those from anywhere, working in the UK and sending money back home must be feeling the pinch.
I reckon if the rate stays at this level a lot of them might be packing their bags and heading back home.

Regards all

John


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Title: Re: I might have to cut back on puddings....
Post by: Corporal Jones on October 09, 2016, 08:45.

Maybe this news should be communicated to the thousands currently sat in calais waiting there chance to live and work in the uk, with the exchange rate hitting such lows i cant see how its financially viable to relocate.

Title: Re: I might have to cut back on puddings....
Post by: sunseekers on October 09, 2016, 12:18.

Calm down dear 😉 No need to get agitated, Spain is cheaper to live in, at least at the moment, thats what attracted a lot of pensioners as well as the weather, and surely getting health care from a system you have paid into your entire working lives isnt sponging off the uk, if it were just a case of affordability then a lot of people still based in the uk (or indeed any country of their birth) earning high wages could afford private health care and then they wouldnt be 'sponging' (not my choice of word) off the national health service either. Just a thought and i am not saying i think this should be the case because i dont.
Hazel

Title: Re: I might have to cut back on puddings....
Post by: Corporal Jones on October 09, 2016, 14:11.

The nhs system whilst free has to be paid for by uk taxpayers here and now in 2016, what was paid by my parents and grandparents generation wouldnt support anything like what is provided today. And whilst there are many expats who paid fully into the uk before retiring to spain and duly deserve support, there are many who didnt didnt pay in the uk and dont pay in spain but still expect what theyre owed. The DWP estimate hundreds of thousands of uk citizens claiming uk benefits whilst living in another country that is outrageous. As for private health care millions pay for it or get it as part of there employment

Title: Re: I might have to cut back on puddings....
Post by: sunseekers on October 09, 2016, 15:26.

I wouldnt disagree with any of that, and there are of course illegals working here too. Good to hear that you do think that expats who have paid into the uk system and receive receprocal health care duly deserve to do so and are not in fact sponging off the uk.

Meanwhile back to John's initial post of puddings, i really hope you don't have to give em up.  We went to the new ice cream place up on Altomar 2 and had wonderful and very artfully crafted ice cream and brownie pud with coffee for Graham and very tasy fruit tea for me and will definitely go back next time.  We paid a lot less cor those than the two coffees and two scones which were not as good back here at home that we had just before our hols. I expected this to happen to the euro after the out vote But we will take care and still come and support the local places.
Hazel

Title: Re: I might have to cut back on puddings....
Post by: John H on October 09, 2016, 16:00.

It was all tongue in cheek Hazel, I had a gorgeous praline mouse with a custard centre  at La Spiga in Alicante yesterday lunch time......obviously after I'd tucked into a starter and one of the best tuna steaks I ever had.
There's no pockets in shrouds

Regards all

John


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Title: Re: I might have to cut back on puddings....
Post by: sunseekers on October 09, 2016, 16:18.

Don't worry i did realise it was tongue in cheek😉, ive looked at the pics of places you travel to for lunch and you have been to some corkers,  I rather like the look of Terry Venables  place, keep up the dining out info, and enjoy 🍝🍮☕️