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Shan

Ohio

More precisely, somewhere near Bowling Green Ohio... anyone know what it is like? There might be an opportunity for Mr Shan and I to mve there for 3 to 4 years and then return to the UK.
lottie

My e.d. lives in the midwest--but Illinois rather than Ohio---the winters are very cold and snowbound. the summers very hot, fall is beautiful. Having said that it can't be so bad as they only went for 3/4 years and are now U.S. citizens and very happy there. They certainly work harder , longer hours and with less holiday time than they would have done here, but the rewards are there as well ----just make sure the job comes with A1 medical insurance. Wink
Shan

Thanks Lottie. A1 Medical insurance would be a major priority!
Kenworth

I was through here about 2 weeks ago, and used to go through regularly in my semi truck.

Bowling Green is below the line of lake effect snows. It does snow there, and often times it can get deep but not as much as it would get up closer to the Great Lakes. Less snow, but just as cold.

Not too far from Toledo, OH. Bowling Green, OH is on a major interstate, I-75 and near the Ohio Toll Road, I-80. North into Michigan to Detroit, West through Indiana into Illinois to Chicago and East to Cleveland, South to Dayton and Cincinnati beyond. Certainly not too far away from Canada to the North.

Ohio has suffered like the rest of the Midwest with a great loss of industrial jobs. I don't know what A-1 insurance is, but if your prospective employer offers health insurance, take it. Most likely you will have to help pay for it, but maybe not. I would guestimate that 75-85 % of companies have employee co-pay for insurance, with deductables, of course.

Ft. Megis is nearby, I understand they do a lot of American timeline re-enacting. I've always wanted to go.

Physically pretty flat land. Not overly hot in the summer, certainly not tropical. I think that area has installed a lot of the giant wind turbine windmills. I know there is a 24 hour Meijers there, I have parked my semi truck there. Lots of grain/vegetable farmers in the surrounding areas.

Not a metropolitan area by any means, but not like the lone prairie either.


C'mon over!

PS

There are several nice hatcheries in OH if you are of the poultry presuasion. Of course we don't have the exotic breeds that you all are used to, but you can get a fix.

PSS

They are building a new casino called Hollywood right on the banks of the Maumee River just south of Toledo.

Another PSS

Another wonderful thing about the US, you can go from the Pacific to Atlantic without having to get a stamp on your passport, lots of interesting things between the two oceans. Smile
bagpuss


Another wonderful thing about the US, you can go from the Pacific to Atlantic without having to get a stamp on your passport, lots of interesting things between the two oceans. Smile


You can get from England to Finland or Greece without getting a stamp in your passport too, the EU is currently good for that Smile


Shan, moving to Ohio sounds like it could be quite an adventure, I might be tempted to wait and see who is the next President before making any decisions though
Shan

Thank you all for the responses.

It does sound like an adventure but the deal would have to be excellent for us to consider it. Currently, we are very happy where we are but would move for the right incentive. We would want to return though and repatriation would have to be part of that deal.

It would be an excellent opportunity to do a lot of travelling in the US, which I would really love to do and property prices inthe US do look a lot more reasonable than here.

Mr Shan's employer currently pays for medical insurance so, we would expect them to completely foot that bill because ultimately, they are desperate for a 'company man' to move to the US, whereas we are comfortable where we are.

Kenworth: we currently live in a rural spot and have 7 acres of land with stables, etc. We wouldn't want to live in Bowling Green - I'm not a city peson but we would want to find some sort of similar set up - where would you recommend that is within an hour of bowling green? 1 hour is the current commute to work.
alice


Another wonderful thing about the US, you can go from the Pacific to Atlantic without having to get a stamp on your passport, lots of interesting things between the two oceans. Smile


You can get from England to Finland or Greece without getting a stamp in your passport too, the EU is currently good for that Smile




Yeah but in the States you don't have to book and queue and wait for a plane/ferry/train to do it.
I've always envied the americans being able to move from tropical sunshine to snowy mountains all within their own land mass.
I don't know about travelling in Europe but British citizens have to have photo ID (photo driving licence or current passport) to travel between Orkney and the UK Mainland.
lottie



Shan, moving to Ohio sounds like it could be quite an adventure, I might be tempted to wait and see who is the next President before making any decisions though
Good point!--Obama might get back in. Shocked Laughing
Shan

I like Obama... very handsome. Embarassed lottie

I like Obama... very handsome. Embarassed
Yes he is! Wink ---but even that wouldn't get my daughter to vote for him Laughing
Shan

I'm more superficial... Embarassed Laughing bagpuss

I like Obama... very handsome. Embarassed
Yes he is! Wink ---but even that wouldn't get my daughter to vote for him Laughing

So she prefers the republican loons ?
lottie

Not all republicans are loons nor all democrats saints or vice versa---I don't think she holds such a simplistic world view. I think her opinions of him have more to do with his record and involvement in the Chicago political scene, prior to his present role. bagpuss

Not all republicans are loons nor all democrats saints or vice versa---I don't think she holds such a simplistic world view. I think her opinions of him have more to do with his record and involvement in the Chicago political scene, prior to his present role.

Which is fair enough, at the moment though the media representation of the Republican party would suggest the loons are at the forefront at the moment e.g
http://www.youtube.com/watch?v=0PAJNntoRgA
Shane

...the deal would have to be excellent for us to consider it. Currently, we are very happy where we are but would move for the right incentive. We would want to return though and repatriation would have to be part of that deal...Mr Shan's employer currently pays for medical insurance so, we would expect them to completely foot that bill because ultimately, they are desperate for a 'company man' to move to the US, whereas we are comfortable where we are... You've got all the cards, by the sounds of it. I would personally insist on:

- mob / demob paid, including personal travel for whole family and 40ft shipping crate (with insurance) both ways
- temporary accommodation while finding something permanent
- hotel while waiting for temporary accommodation
- housing allowance or housing provided of at least the same standard as you currently have
- transport allowance (or company car) if travelling will be a part of the job (or if there's no public transport links to the office)
- full medical cover for the whole family
- travel home for whole family once a year (or equivalent allownace)
- compassionate leave with paid travel home for deaths in immediate family
- five weeks' holiday (unusual by US standards, but other Brits in a similar position have successfully negotiated this one)
- company to take care of any tax issues that may arise causing you to have to pay more UK tax as a result of mob / demob

If they're that desperate and you're not, they'll have to make it worth your while.
Shan

Thanks Shane - this is the sort of info we are trying to put together.

We wanted a list of non-negotiables plus negotiables and your list pretty much, I think, falls into what we consider to be non-negotiable. I hadn't thought of the yearly trip for family visits - so that has gone on the list.

I don't think we would get that level of leavebecause the company Mr Shan works foris notoriously tight ars*d on leave - he only gets 20 days a year. It is one of the things they would be particularly stubborn about but our non-negotiable on that would be no less than 20 days.
Shane

My brother-in-law (and sister, obviously!) went out a few years ago because the US office of his company desperately needed someone with his expertise out there and they couldn't find anyone in the states. He said he wanted the same amount of holiday as in the UK. They refused to give more than the standard two weeks, so he said he wasn't going. They then relented, and out he went. Apparently, his coworkers used to look down on people that even took their two weeks a year, so they were none to impressed when he insisted on taking a full five weeks. Fortunately, he couldn't give a flying wotsit and took the full monty every year anyway! Shane

PS. You may find that if your man goes out on a US contract, you may have to give up on the annual flight allowance, but I'd still insist on flights home and compassionate leave if there's a death in the family. You may also have to let transport allowance go, too, but if you don't ask... Kenworth



Kenworth: we currently live in a rural spot and have 7 acres of land with stables, etc. We wouldn't want to live in Bowling Green - I'm not a city peson but we would want to find some sort of similar set up - where would you recommend that is within an hour of bowling green? 1 hour is the current commute to work.

Drive 15 minutes away from Bowling Green and you are in the country. Smile I believe you could have as much acreage as you wanted. I certainly don't believe you would have to travel 1 hour to get the same situation you are in now.
Shan

Shane: if the package is financially lucrative enough, then we would be negotiable on annual flights or travel allowance. Wink Nothing is set in stone yet.

Kenworth: Thanks for that - quite re-assuring!

Another question: I get the impression that renting is almost as expensive if not more so thany buyin property? Bear in mind, I have only looked at a few property websites.
Shane

Isn't renting usually more than buying? It certainly is in the UK! Shan

Renting in the UK is a lot less than buying - I have rented for the last 8 years and similar properties that I have rented - the rent would not even cover the interest payments if it was a mortgage. Probably why house prices in the UK still have a long way to fall. arvo

I toured through many of the lake states including OH (we did Cleveland I think), when I was just out of college. I remember it being classically flat as we drove from place to place. Dead straight road, fields either side, blue sky overhead and 100m to the next gas station. The towns (ie bigger than a gas station/711) in that part of the world I remember being really nice. I think you'd have miles less trouble with planning over there too. I think if you want to bang up a clapboard house or a second shed there are considerably less rules and regs.

I remember a beautiful day down by the lakes looking out over a huge flock of geese towards Canada. Just don't remember what State I was in (due to the state I was in: another story.)
Nick

Isn't renting usually more than buying? It certainly is in the UK!

Dunno. We rent two houses out, valued at around 200,000 each. They rent for between 600 and 850 PCM. What would that figure get your for a mortgage, over what period, and with what deposit?

I genuinely dont know.
Shane

We rent out our house for more than the monthly mortgage payments. For a few years before we bought I'd looking into buying, and monthly mortgage payments were always less than monthly rental payments - I just never stayed in one place long enough to make buying worthwhile!

I guess it depends on where you are in the country as much as anything.
Shan

On 200,000 at an interest rate of 3% (very conservative) over 20 years, the monthly repayment is: 1,120

at 4%: 1,226
at 5% 1,337
at 10%: 1,957

This does not include maintenance or insurance.

We are renting a house worth approximately 400,000 - we pay 1,280 a month.
Nick

It'll depend on the deposit you're putting down, I guess. Shan

I toured through many of the lake states including OH (we did Cleveland I think), when I was just out of college. I remember it being classically flat as we drove from place to place. Dead straight road, fields either side, blue sky overhead and 100m to the next gas station. The towns (ie bigger than a gas station/711) in that part of the world I remember being really nice. I think you'd have miles less trouble with planning over there too. I think if you want to bang up a clapboard house or a second shed there are considerably less rules and regs.

I remember a beautiful day down by the lakes looking out over a huge flock of geese towards Canada. Just don't remember what State I was in (due to the state I was in: another story.)

It certainly sounds interesting. We will have to see what deal is offered - although I would miss the hills of Wales terribly.
Behemoth

Wouldn't you just!
http://g.co/maps/esjbf
Shane

On 200,000 at an interest rate of 3% (very conservative) over 20 years, the monthly repayment is: 1,120

at 4%: 1,226
at 5% 1,337
at 10%: 1,957

This does not include maintenance or insurance.

We are renting a house worth approximately 400,000 - we pay 1,280 a month. Where we lived (and still own a house), you pay 1200 quid a month for a 200,000 pound house. That alters the economics somewhat, especially as the mortgage will be less than 200,000.

I need to find the Alt+ code for a pound sign.
Kenworth

There are many homes on the market right now, and many of them are both for sale and/or rent.

Rent varies from region to region, along with values of homes. You would really need to find several Realtors to get an idea of what's available.

What's generally stressed over here is over the long run, if you ever want to own a home, just go ahead and buy instead of putting that money into rent and never being an owner.
Shane

What's generally stressed over here is over the long run, if you ever want to own a home, just go ahead and buy instead of putting that money into rent and never being an owner. It was often said to me before I finally bought somewhere that if you're going to live somewhere for more than two years you should consider buying. And what you touch upon is that the true cost of a mortgage is less than the monthly payments as some of it goes into equity, which you eventually get back again (house price crashes apart). Kenworth

If you are still interested in Bowling Green, Ohio, I have an open invitation for you, and for all DS members.

I also belong to a website called http://homesteadingtoday.com

It has many members that share similar thoughts and interests to small holders.

I would invite you all to lurk and join at your leisure.

Once joining, I believe that you could get better answers about Bowling Green, Ohio from someone that most likely actually lives there or relatively close. (Membership numbers are in the thousands.)
Shan

Wow! Thanks Kenworth! I shall have a snoop about. Kenworth

Forgot to mention, on the Homesteading Questions forum, many members just ask flat out if anyone can tell about a particular city or area. I believe the most recent ones are about South West Missouri and South Carolina.
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