Jeffrey cheers for your points of view and words of wisdom. I completely agree that we should see the world and we most definitely are...believe me this not like we're retiring out there...but we want a base for the next few years in our life and the essentials are sun, sand & sea. So its not really so much about planning the next 20 years of our life - but we want out of the UK asap and need to figure out whether moving to cyprus is the wrong move for this period of our life...I think that makes sense.