Apologies for the over dramatic description, couldn't think of anything else on the spur of the moment and the current feeling for a lot of resident Brits at the moment is goodbye, so long, farewell ...better off out of it.
Anyhoo, first time poster on here and looking for a bit of advice and general filling in blanks, so feel free to pitch in and comment.
My wife and I are in the advanced stages of planning our "retirement" move to the Baja Vega area (in all probability Los Montesinos) in October of this year. Flights booked, notice handed in at work and so on. I took early retirement some six years ago (33 years before the mast with the good ship Royal Mail - worked in a local school as a part-time Teaching & Learning Assistant up until now) I have a private pension and won't get a state pension for another 5 and a bit years. My wife, well, goodness knows when she will get her hands on hers, they keep changing the rules/dates, grrrrr!
Anyway, got a handle on most things that we want or need to do, but am in somewhat of a quandary over Ex 14 or Ex 15. Our plan is to rent, long term, in the LM area and go back to the UK for a couple of weeks before the 180day/6month period end and then return for another sub-six month period and so on until we decide to flog the UK property and buy a pile in Spain. Sometime in the future, no real fixed date for this part of the "plan".
Question: do we need to apply for the non-resident/resident options? or are we just as well leaving it until we decide we are staying for the longer than 6 months period?
What are the advantages of non-resident/resident status, should we decide to apply? would we need it, for example, to open a bank account? purchase a car? health insurance, etc. etc.
Do we need to purchase discrete personal health insurance? I certainly wouldn't wish to a be a burden on my new hosts so can anyone recommend a decent/cheap source of this insurance? seen lots of offers and "prices from" adverts, anyone have any good news stories to share?
Well, that's about it for now. I'm sure I will have loads more to ask of the Forum in coming weeks, so please, any advice/help/warnings very gratefully recieved.
Adios, Steve & Jane