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        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

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        • Kyrenia, Cyprus
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          Home Countries Ireland

          Restoring A Georgian House In Waterford, Ireland

          What One Bent Irishman And His Screwdriver Taught Me About Property On The Emerald Isle

          by Kathleen Peddicord
          Oct 24, 2022
          in Ireland, Lifestyle, Real Estate
          0 0
          A beautiful stone house in Waterford, Ireland

          While I waited, I wandered from room to room.

          It was the house I’d had in mind since the day Lief and I decided we’d move together to Ireland.

          Irish Georgian with high ceilings, a winding central staircase, symmetrical sets of tall shuttered windows in each room, plank wood floors, marble-mantled fireplace and French doors in the living room, and, from every window and every angle, views of the rolling green countryside all around.

          Standing in the dining room, looking out the window to the front of the house, I could see sheep in the fields and, here and there, low stone walls. Our seven acres were surrounded by many more undeveloped acres, meaning that our views were unobstructed in every direction. Not another house anywhere in sight; the only structure in view an old cow barn on the other side of our fence out back.

          The 200-year-old Lahardan House we’d finally found after months of searching oozed charm and potential and stood, we’d made sure, blissfully out of the path of any planned progress. No housing estate on the books for this remote corner of County Waterford as far as we could tell.

          The surrounding seven acres were well overgrown, and the half-dozen outbuildings were crumbling, but we didn’t mind. We could address the landscaping, the barns, and the stables over time. To start, we needed only to make the house habitable.

          In advance of the purchase, we’d tried to have the property inspected.

          This isn’t obligatory in Ireland. Foreigners can borrow for the purchase of real estate in Ireland, and the bank, to lend for the purchase of a piece of property, by a foreigner or a local, will require you to test for termites and a couple of other specific risks, but they won’t call for an overall inspection of the kind we take for granted when buying a house in the United States.

          Even though no one was telling us to arrange for a formal inspection, we wanted one and asked around for the name of an inspector… who we engaged. Two weeks later, we received a 12-page report.

          “The living and dining rooms would benefit from re-decoration,” it noted…

          And then went on to point out that: “The gardens might be cut back.”

          As we found ourselves doing often those early days in Waterford, reading this property inspector’s report, we looked at each other, shook our heads, and moved on.

          Which is to say that we closed on the purchase having, it turned out, no idea what we were buying.

          Property acquired, we needed someone to help with the work we wanted to carry out in advance of moving in. One of our new staff, a young Irish girl named Deidre, knew a “decorator,” as she called him, named Noel.

          I called Noel and made an appointment to meet him at the house.

          The chilly, drizzly morning that Noel and I met at Lahardan House for the first time, I followed the tall, lanky, red-headed Irishman from room to room, upstairs, down the hall, back down to the living room, then again across to the kitchen, where Noel turned, finally, and explained, “I’d say there’s a bit of damp.”

          “Yes, it’s very damp here, isn’t it?” I replied.

          “No. You have damp.”

          “Ah…”

          “I know a good damp guy. I can call him for you if you like.”

          “Yes, OK, that would be great… thank you.”

          That’s how I came to be, a few days later, on another chilly, misty Irish morning, wandering from room to room, imagining our furniture (when we finally got it out of storage in Dublin) and ourselves in these Irish Georgian rooms.

          I was waiting for the damp guy.

          When I heard the car pull up on the gravel out front, I went to the front door to look out and saw a small, bent-over Irishman get out of a dented and mud-splattered Toyota and begin walking toward me.

          When he reached the portico, he paused to scrape his mud-caked boots on the slate tiles, then looked up, tipped his cap, and asked:

          “Is himself inside?”

          “Himself?”

          The little bent Irishman mumbled something in the direction of the slate porch tiles that I couldn’t understand and then continued on through the big red Georgian door into the entryway of the house and from there, without pausing, on into the living room. I followed.

          “Himself isn’t at home?”

          “You mean my husband? No, he’s at work…”

          Before I could finish explaining Lief’s absence, the little Irishman pulled a screwdriver from the back pocket of his tweed trousers and began poking it into things.

          He pushed his screwdriver into every piece of wood he passed, starting with the window casings, then the shutters, the skirting boards at the bases of the walls, the frames of the French doors leading to the side patio, the floor boards…

          With every stab, his look grew graver.

          After he’d finished in the living room, he continued on, jabbing as he went, through the dining room, the breakfast room, the kitchen. Then back to the entry hall and up the stairs, inserting his tool into every step as he climbed.

          On the second floor, he started again, poking his way through each of the five bedrooms, each of the three bathrooms, and all up and down the hallways that connected them.

          Finally:

          “Rising damp,” he declared solemnly. “All throughout.”

          “Rising damp? What… uh… how… what should we do?” I stammered.

          “Got to treat it,” he replied as he walked back down the stairs and toward and then out the big red front door.

          As I watched him drive away, I picked up my cell phone and called Noel.

          Rising damp, Noel explained, is a common phenomenon throughout the Emerald Isle, where damp from the constantly wet soil seeps into the foundation of a house and then rises up the walls until gravity gets the better of it.

          Left untreated, damp will rise, Noel told me, about six feet. In our house, the damp evidently had been left untreated for a very long time. Once I understood how to recognize the signs, I could see that every wall on the ground floor was affected. Some were so afflicted that they bubbled with tiny water blisters.

          In addition to rising damp, we had rot, both wet and dry. We had mold and fungus, too, in every hidden and covered corner and crevice, beneath the floor boards, under the stairs, and behind the shutters.

          This realization turned our simple old home makeover into an all-out renovation project that extended over more than a year and that was complicated by another realization…

          Five months after our move to Ireland, I discovered I was two months pregnant…

          Kathleen Peddicord

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          Kathleen Peddicord

          Kathleen Peddicord

          Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

          Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

          Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

          Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

          Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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                HOME

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                To Live Overseas?

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                • Kyrenia, Cyprus
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                • Valencia, Spain
                • Cascais, Portugal
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