Cheers, and thanks for the positive  comments     I would love to live back in Perth, Australia will always be home, I have nothing of value to assess,have been fully engaged in work for over 36years, I did the unthinkable and ended up living in Nha Trang which on the coast 400km north of Ho Chi Min,when you say you should only get the pension if you maintain   Your roots in Australia,I used to agree but the world has changed and I'm sorry to say will not go back to what it was,we that are at pension age should seize each day,and live it to the max,I did that and married a fantastic Vietnamese woman and both her and her family are now my life,the pension is to me not an end all or be all,I live healthy the weather is 2 seasons, 32 c all year round,the beach is walking distance,once again thanks for the input,I have seen Karl Marx on a few forums,I am new and I hope I haven't board you,also I will check with Tassie