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Search: Posts Made By: dunroving
Showing results 1 to 25 of 1000
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Forum: Moving back or to the UK
Yesterday, 2:00 pm
Replies: 8
Views: 1,446
Posted By dunroving

Re: Moving back to UK - removal company recommendations

I used three different companies (US to UK, UK back to US, US back to UK).

The first US to UK move, I used Wheaton Worldwide. It was a partial shipment (a "lift van", I think, though it might have...
Forum: Moving back or to the UK
Apr 6th 2024, 10:36 am
Replies: 15
Views: 920
Posted By dunroving

Re: Pet Transport Recommendations

I completely agree with your "one less thing to worry about" idea. Unless the costs are completely prohibitive, it makes sense to pay for peace of mind.

When I brought Suzy over to the UK in 2000...
Forum: Moving back or to the UK
Mar 30th 2024, 7:23 pm
Replies: 4
Views: 348
Posted By dunroving

Re: NI Contributions

Just a tip that if your browser won't open the pdf because of a pop-up blocker, try copying the URL and pasting it into a new tab. That worked for me.
Forum: Moving back or to the UK
Mar 30th 2024, 5:35 pm
Replies: 20
Views: 1,963
Posted By dunroving

Re: Experience/advice moving back to UK

I'm a UK citizen and am currently retired in the UK, though when I moved back here (from the US, twice - once in 2000 and once in 2006), I was working. As far as my own moves to the UK were...
Forum: Moving back or to the UK
Mar 18th 2024, 10:15 am
Replies: 35
Views: 2,840
Posted By dunroving

Re: Returning to UK after 7 years in US

No, I have never taken out private health insurance in the UK. I have friends who are part of health schemes that are very good value, but is linked to them being former council employees.

I paid...
Forum: Moving back or to the UK
Mar 17th 2024, 1:14 pm
Replies: 35
Views: 2,840
Posted By dunroving

Re: Returning to UK after 7 years in US

I didn't leave the US specifically because of health care costs, but it was definitely one of the main considerations when I asked myself, "Do I really want to work in the US until I retire, and then...
Forum: Moving back or to the UK
Mar 14th 2024, 6:07 pm
Replies: 6
Views: 620
Posted By dunroving

Re: Question for former US residents re abandoning LPR status

Not exactly what you are asking, but I never had LPR status (I was on a series of different visas for 16 years). Not being an LPR/never being an LPR hasn't affected my SS benefits. One thing that...
Forum: Moving back or to the UK
Mar 12th 2024, 10:24 am
Replies: 0
Views: 217
Posted By dunroving

Tips for reaching FBU in London?

There are several helpful threads on here regarding how to deal with US Social Security "pension" claims after moving to the UK. Up until now, I've had no issues getting through to the FBU helpline...
Forum: Moving back or to the UK
Mar 9th 2024, 10:53 am
Replies: 7
Views: 557
Posted By dunroving

Re: Household bills.

I'd guesstimate a monthly gas and electric bill for 3BR semi at about £100-£150 per month, averaged across the year. That's for gas central heating and hot water, electric for everything else. You...
Forum: Moving back or to the UK
Mar 5th 2024, 9:37 am
Replies: 16
Views: 1,843
Posted By dunroving

Re: feeling the stress getting ready to move back to the UK ( Scotland)

I returned after 23 years away, with a dog, to a rental. As you say, it's a lot more stressful than when you first leave. I don't recall ever asking myself if I was doing the right thing, or worrying...
Forum: Moving back or to the UK
Feb 28th 2024, 7:08 am
Replies: 7
Views: 507
Posted By dunroving

Re: Work credit to receive retirement benefits

I don't think you can get a "combined pension". As far as I know, what happens is this (fake example, as I'm not 100% up to date with UK and US requirements and don't want to give wrong numbers).
...
Forum: Moving back or to the UK
Feb 27th 2024, 10:26 am
Replies: 7
Views: 575
Posted By dunroving

Re: Hello from Canada

Personally, I'd be looking for proximity to public transport as a priority in retirement. Ashbourne, for example, gets great reviews in the "Move to ..." sort of articles, but doesn't have a railway...
Forum: Moving back or to the UK
Feb 25th 2024, 9:25 am
Replies: 9
Views: 558
Posted By dunroving

Re: Navigating 401k Abroad: Navigating Provider Restrictions and Finding Alterna

Not this particular situation, but in another context, I found that no longer having a US address caused me problems with TIAA-CREF. I wanted, for example, to set up a Roth IRA to roll my 403(b)...
Forum: Moving back or to the UK
Feb 6th 2024, 1:04 pm
Replies: 7
Views: 1,362
Posted By dunroving

Re: Grad School in the UK

(This thread is almost 3 years old, so the OP has probably either found a programme already or given up on the idea). Thought I'd mention it in case you wonder why you don't get a reply.
Forum: Moving back or to the UK
Feb 6th 2024, 10:06 am
Replies: 12
Views: 655
Posted By dunroving

Re: does UK have anything like Fbar or 8938?

I certainly didn't declare the existence of my 403(b) to HMRC until I started receiving income from it, in the 2016-2017 tax year. The Men in Black haven't knocked at my door yet, so I'm guessing...
Forum: Moving back or to the UK
Feb 4th 2024, 6:36 pm
Replies: 12
Views: 655
Posted By dunroving

Re: does UK have anything like Fbar or 8938?

Yes, just report in the overseas pensions section of the self-assessment. Same when/if you receive US Social Security pension.

Not sure about bank interest, as I no longer have a US bank account.
Forum: Moving back or to the UK
Feb 4th 2024, 3:27 pm
Replies: 12
Views: 655
Posted By dunroving

Re: does UK have anything like Fbar or 8938?

From my limited experience living in the UK since 2006, with a 403(b) in the US, the only reporting I had to do to HMRC was when I started withdrawing from my 403(b), at which point I had to pay...
Forum: Moving back or to the UK
Feb 3rd 2024, 8:17 am
Replies: 5
Views: 1,390
Posted By dunroving

Re: 🇨🇦➡️🇬🇧❓ I can’t believe I’m even typing this…

Leave the Bronco behind, unless you are prepared to pay a lot more for insurance, repairs, etc., and to struggle for a parking space (I know the UK has trucks and SUVs now, but that won't make your...
Forum: Moving back or to the UK
Feb 3rd 2024, 8:11 am
Replies: 22
Views: 1,755
Posted By dunroving

Re: Retiring in the UK - US/UK Tax Treaty questions

FYI, I wrote a more detailed record and lessons learned in a separate thread elsewhere in the MBTTUK forum (titled, "Navigating US Windfall Elimination Provision (WEP) in the UK...
Forum: Moving back or to the UK
Feb 2nd 2024, 3:58 pm
Replies: 22
Views: 1,755
Posted By dunroving

Re: Retiring in the UK - US/UK Tax Treaty questions

Glad to be of some help. A related comment is that if you expect to live to a ripe old age, the benefit of taking SS early/non-WEP'ed for a few years may not outweigh the possibility of receiving a...
Forum: Moving back or to the UK
Feb 2nd 2024, 8:46 am
Replies: 22
Views: 1,755
Posted By dunroving

Re: Retiring in the UK - US/UK Tax Treaty questions

That's what I did (took my US SS as early as possible, to avoid WEP before I hit UK state pension age).

Be advised that negotiating the tangled web of WEP takes ages, due largely to the ridiculous...
Forum: The Rovers Return
Jan 30th 2024, 2:21 pm
Replies: 8
Views: 1,040
Posted By dunroving

Re: Best savings options for people with 2 tax residents

I don't know how it works with regards tax, but for a short-term, flexible option, take a look at premium bonds. £50k maximum per person, and prizes are tax-free, no matter how big. The nominal prize...
Forum: Moving back or to the UK
Jan 25th 2024, 4:36 pm
Replies: 14
Views: 1,669
Posted By dunroving

Re: Moving back to UK after 35 years in USA.

Hello, Nun! You've helped me a lot in the past with finances, tax, IRS, 401k, and all that other painful stuff.

Not sure how much help I can be, but one company worth looking into is Rinkens. If...
Forum: Moving back or to the UK
Jan 11th 2024, 1:56 pm
Replies: 4
Views: 1,004
Posted By dunroving

Re: Canada to UK - checklist of things I need to do?

Thinking ahead to your pensions, you might consider the strategy I used to effectively transfer my overseas (US) pension to a UK pension. I preferred not to have to deal with the vagaries of exchange...
Forum: Moving back or to the UK
Jan 10th 2024, 7:01 pm
Replies: 4
Views: 567
Posted By dunroving

Re: USA home sale / Capital Gains ?

If it's your primary residence, is CGT even due under UK tax regulations?
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