Thanks again for replies, that is a great idea Keith, if you are semi retired with time on your hands I suppose it would be far easier to "watch" the exchange rate and go to the bank to change back to Sterling when it drops.Also would defo have to open some more accounts in Turkey to spread it around like you said Mark.Lots to think about :)if the new health insurance rule comes into play that someone mentioned then I dont think it is going be an option:(