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Search: Posts Made By: ralphster
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Feb 20th 2020, 6:26 am
Replies: 1
Views: 614
Posted By ralphster

UK no longer pay Expats benefits

Hi folks,

My wife passed away from cancer in Canada in her 40s, leaving me and our three dependent children. She was a Canadian national, with UK citizenship. I was told by the uk Govt that on 6th...
Forum: Canada
Sep 25th 2015, 1:19 am
Replies: 7
Views: 887
Posted By ralphster

How do you budget?

Hi folks,

How do you deal with tracking income, expenditure and setting budgets when you have multiple currencies (e.g. CAN and GBP)?

Can you recommend the best budgeting software for dealing...
Forum: Canada
Oct 15th 2014, 5:11 pm
Replies: 17
Views: 10,695
Posted By ralphster

Re: Wills and Probate - UK and Canada

Thanks for all your posts everyone.

So who taxes who if you have property in both countries? Does the UK tax anything you have in the UK with Canada taxing everything else? Or if you have just a...
Oct 27th 2013, 3:07 am
Replies: 0
Views: 454
Posted By ralphster

The GBP CAN Currency Exchange Rate thread

I thought I'd start up an on-going currency exchange rate thread for people interested in discussing the reasons behind the fluctuating exchange rate. As we are closing in on 1.70 CDN, it's the...
Forum: Canada
Apr 12th 2013, 6:43 pm
Replies: 8
Views: 1,227
Posted By ralphster

Re: How do you manage UK/CAN finances?

Almost Cdn - Maybe. Can MS Money download transactions from both UK and Cdn bank accounts? I've tended to find with software that they only link with banks in the country where you buy that version...
Forum: Canada
Apr 12th 2013, 5:27 pm
Replies: 8
Views: 1,227
Posted By ralphster

How do you manage UK/CAN finances?

Has anyone found a quick online way of keeping track of UK and CANADIAN finances (e.g. bank accounts, reconciling spending, budgets etc).

In Canada people use MINT.com which seems to make keeping...
Forum: Canada
Apr 6th 2013, 2:10 am
Replies: 27
Views: 4,215
Posted By ralphster

Re: Free calls to UK Landlines?

Thanks for all your suggestions everyone. 1c/minute is cheaper than I have been paying so I'll check those out.

Also, here's a tip you might all find useful... If you are call any UK companies,...
Forum: Canada
Mar 31st 2013, 4:13 pm
Replies: 27
Views: 4,215
Posted By ralphster

Free calls to UK Landlines?

Has anyone come across a way to make free calls to UK landlines from abroad?

Skype is great but relies on the other person having Skype turned on and being nearby.
Forum: Canada
Jan 17th 2013, 5:46 pm
Replies: 2
Views: 795
Posted By ralphster

Are you Director of UK Ltd company in Canada?

Hi folks,

Is anyone on the forum a Director of a UK Ltd company, running the company from and living in Canada?

How does it work with salary, dividends and corporate tax?

Do any salary and...
Forum: Canada
Jan 5th 2013, 7:01 am
Replies: 5
Views: 8,906
Posted By ralphster

Re: Double tax - UK & Canada?

Thanks Aviator. I was looking for people's personal experience as the info on the link you provided does not specify about what constitutes proof - original letter or a screen shot of your UK Self...
Forum: Canada
Jan 5th 2013, 1:07 am
Replies: 5
Views: 8,906
Posted By ralphster

Double tax - UK & Canada?

Hi folks,

If you have paid tax on income earned in the UK, is it correct that you need to attach proof of tax already paid in the UK when submitting your Canadian tax return? (I understand this is...
Forum: Canada
Mar 17th 2012, 2:53 pm
Replies: 15
Views: 2,649
Posted By ralphster

Re: Vancouver Island... but where?

A cougar sighting on the island is a very rare thing, but every time there is one, you can bet it makes the papers, hence the external misconception that people are fighting cougars just to get to...
Forum: Canada
Mar 1st 2012, 3:03 pm
Replies: 0
Views: 974
Posted By ralphster

P85 Form

Folks,

If you are looking to fill out the P85 Form "Leaving the UK - Getting Your Tax Right", it appears that you DO NOT need to fill this in if you are required to fill out a self-assessment tax...
Forum: Canada
Feb 23rd 2012, 6:56 pm
Replies: 3
Views: 7,845
Posted By ralphster

Has anyone managed to transfer an ISA?

Hi folks,

I understand that you cannot contribute to existing ISAs whilst not resident in the UK, but has anyone successfully managed to transfer an existing ISA from one UK provider to another UK...
Forum: Canada
Jan 23rd 2012, 8:46 pm
Replies: 26
Views: 3,677
Posted By ralphster

Re: Transfer Funds to Canada Before or After Landing?

Any ideas if this works in reverse as well? For example, if the day you become tax resideent the rate is 1.60 and at some point in the future you transfer money over at 1.58, can you offset the 2...
Jan 23rd 2012, 8:34 pm
Replies: 21
Views: 2,683
Posted By ralphster

Re: Anyone receiving royalty payments?

Interesting discussions folks.

What about the case where you are still proactively marketing the same works year on year (in my case, music compositions). I guess that would not be passive...
Jan 23rd 2012, 8:32 pm
Replies: 6
Views: 3,999
Posted By ralphster

Re: Dialing 0845 etc numbers from Canada - HELP

Always see if there is an 0800 number equivalent to the 0845 on saynoto0870. You can call 0800 for free from Skype (and any freephone numbers in the world I believe :-) Even if it is not the right...
Jan 22nd 2012, 2:22 am
Replies: 21
Views: 2,683
Posted By ralphster

Re: Anyone receiving royalty payments?

Thanks folks.

JoboyE, so in theory you'll only be taxed at 10% on interest and royalties, as opposed to the standard UK tax rate (21%). Would you still be entitled to the tax allowance if you are...
Jan 21st 2012, 9:17 pm
Replies: 21
Views: 2,683
Posted By ralphster

Anyone receiving royalty payments?

Folks,

Can anyone explain how it works with royalty payments (income from music, books etc) that are received in the UK once you are in Canada? Are royalties received after the date you land (PR)...
Jan 21st 2012, 9:11 pm
Replies: 35
Views: 8,281
Posted By ralphster

Re: Renting out house in UK while living in Canada

Has anyone been through the situation of having to prove what the market value of their UK property was the day you emigrated?

"three estate agents valuations and/or a surveryor's written...
Forum: Canada
Nov 10th 2011, 12:36 am
Replies: 360
Views: 80,474
Posted By ralphster

Re: Best Shipping company? Our story

Folks,

Here is my 2p of our experience which is now run its course.

At the start I read through this thread and got a general feel of what people's experiences were. Thank you to everyone for...
Forum: Canada
Nov 5th 2011, 4:14 pm
Replies: 43
Views: 4,564
Posted By ralphster

Re: Credit Cards and No Credit History

In trying to applying for a credit card, the bank started to ask abour financial affairs 'to understand our net worth'. Seems a bit invasive compared to the UK? I can understand them wanting to...
Forum: Canada
Nov 2nd 2011, 9:28 pm
Replies: 31
Views: 5,631
Posted By ralphster

Re: Is it worth carrying on with NI contributions?

That's assuming everything remains as it is today. You have to factor in the risk that in 20 years (or maybe next year...) governments might not be paying the same level of pensions are able to do...
Forum: Canada
Nov 2nd 2011, 7:08 pm
Replies: 43
Views: 4,564
Posted By ralphster

Re: Credit Cards and No Credit History

One thing I picked up from a bank manager (so believe what you will!) is your credit history can be negatively affected if there are lots of credit searches on your name. Obviously when you first...
Forum: Canada
Nov 2nd 2011, 6:14 am
Replies: 43
Views: 4,564
Posted By ralphster

Re: Credit Cards and No Credit History

Thanks for all your responses! Sounds like once you have your first pay cheque things get a bit easier. For self-employed folk, TD sounds like the best bet! Scotia also seems like a good option.
...
Showing results 1 to 25 of 96
 


 
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