I agree Dave, if you're unable to balance the investment in a house with the need for income after you're gone, then buying might not be a good option at all (whether or not in a subdivision makes little difference then, the maintenance cost and taxes will probably exceed what the widow can afford anyway).
I disagree with singling out SD dues as the prohibitive factor, as you rightly mention the electricity bill would be of much bigger consequence, and so would for that matter the cost of transportation. For that reason alone I would argue that a house in the middle of nowhere where the next trike might be a half day wait is not an attractive proposition at all if the widow can't afford a car.
Moreover, as the saying goes, a good neighbour is better than a far friend, so yes you might get rid of the noise if you buy 10 hectares in the middle of nowhere, but good luck with finding some social support out there, not to mention the thing called loneliness.
Anyway, preferences are a personal matter, but I would say any expat considering only their own preferences when buying a house with total disregard for their better half's preferences is at much bigger risk of the property getting sold at rock bottom price within a year after he dies than those buying a house in a location that's agreeable to all who intend to live there.
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Dutchie DI Forum Patron Highly Rated Poster Showcase Reviewer Veteran Army
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Always a Poppy DI Senior Member Restricted Account
Frankly I think the whole thing is pot luck with the neighbours. We've bought our standalone plot and the worst aspect of neighbour noise is the cockerels, which you don't notice after a couple of weeks, occasional loudish music and the neighbour firing up their vehicle at 7am and running the engine for 20 minutes (I think a recent hint may have cured that). We've had to compromise as access is not great, but good enough for our small car, and we have to work on the title as we are now doing. Despite those inconveniences I wouldn't swap the location for anywhere else as we've been immediately accepted by the majority of neighbours (that just takes a few small gestures, I find) and have made access and lighting improvements that all the neighbours benefit from. In short, a bit of prior research into the neighbourhood and some friendly gestures after arrival can make for a serine and happy environment.
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When i first came to Dumaguete 10 years ago we rented a house in a brand new sub-division with security guards at the gate, street lights and rules and life was perfect, very soon things changed and not for the better.
One homeowner decided they had (no budget) anymore for the association dues which from memory was around 300 to 400p a month even though they ran some sort of business and had a brand new ford raptor type vehicle blocking half the road as i think none of them were proficient drivers or could be bothered to park it in their driveway.
The domino effect started, more and more people started to have (no budget) , the association had a foreigner as the leader and when he started to try and do something about the situation he was immediately ousted as foreigners were not allowed to hold the position of leader.
The solution by the new leader was that the people that were still willing to pay the dues would have to pay more to compensate for those that had no budget (seems fair)
So we left and and i can still remember the sight in my rear view mirror of the cars and motorbikes parked all over, dogs unleashed running wild, chickens kept in gardens and the big karaoke speakers outside houses so they could share the noise with their neighbours .
HELL on earth...-
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Notmyrealname DI Forum Luminary Highly Rated Poster Showcase Reviewer
I prefer not to give negative icons, but cannot disagree with those who have - but really this is all so unnecessary.-
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As the song goes, “One thing led to another, and another, and another”. The forum “critic wanabees” are specialists at hijacking threads and tempting us to respond.
So I apologise for getting off track.-
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danbandanna DI Forum Patron Highly Rated Poster Showcase Reviewer Veteran Marines
[QUOTE=A lot of the problems could be solved if some didnt marry someone 25 or 30 years younger than them
sigh... deleted.... not worth the trouble
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A lot of the problems could be solved if some didnt marry someone 25 or 30 years younger than them, some one say older than their own children or indeed there grandchildren (you could look at your grandchild and think "they are still young learning about the world a little confused about what they want in life, what road they should take, i hope they are safe, and make good choices", yet some foreigners choose to marry into this age group, dont me give me all this molly coddle about love, mostly its catholic guilt planning for life after you are gone.
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Moderators feel free to move this reply to the Controversial area if Off Topic
A friendly "Good Morning" to all who you encounter on your walk helps to slowly overcome fear of strangers and "Bunker" mentality as they respond. Many are afraid of us due to our loud talking they perceive as anger or a know it all attitude.
Most foreigners who live around here are millionaires when they arrive in a PHP world and develop a relationship with a silent partnership with a significant other to stay here. The foreigners manage the dreams and aspirations of the significant others with money in order to live out their fantasy.
Relationships are bonds built on words and and deeds not money. Those whose relationships are based on subservient partners are bound to fail. You are just renting companionship until they can't take your relationship any longer and your attitude of "He who has the gold makes the rules".
shakey aka John-
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Notmyrealname DI Forum Luminary Highly Rated Poster Showcase Reviewer
You're a reason why they should stop using the term 'alien'.-
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Notmyrealname DI Forum Luminary Highly Rated Poster Showcase Reviewer
I well and truly closed it, bolted it and put on a padlock. Once bitten .....-
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