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Search: Posts Made By: malch
Showing results 1 to 25 of 287
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Forum: USA
Jan 28th 2025, 4:18 am
Replies: 12
Views: 2,492
Posted By malch

Re: UK Personal Pensions and Trusts

I had some FSAVC's in the UK. When I turned 65 the only option available from that provider was to convert to an annuity (at rates I considered unattractive). With some hired help I rolled over the...
Forum: USA
Jan 28th 2025, 4:02 am
Replies: 15
Views: 3,301
Posted By malch

Re: UK Premium bonds/US/UK Citizen/US resident

When I moved to the USA many moons ago, I was strongly advised to cash out my premium bonds prior to departure. That made sense at the time and still does.
Forum: USA
Dec 21st 2024, 9:27 am
Replies: 87
Views: 49,974
Posted By malch

Re: Social Security Fairness Act and elimination of WEP for expats

This made my day. I lost > 30% of my Social Security to WEP.
Forum: USA
Jun 16th 2022, 3:24 pm
Replies: 18
Views: 4,510
Posted By malch

Re: Car insurance in California

When I moved to California many moons ago, I was able to get a substantial discount on my auto insurance from Farmers after I supplied evidence of a good driving record in the UK.

Later I switched...
Forum: USA
Jun 16th 2022, 3:12 pm
Replies: 12
Views: 3,150
Posted By malch

Re: Keeping a bank account in the UK

I have a NatWest account that I am able to manage easily from the USA. HOWEVER...

Be very careful when logging into a UK bank account. Two or three mistyped attempts can trigger a lock-out which...
Forum: USA
Nov 1st 2017, 2:39 am
Replies: 38
Views: 25,846
Posted By malch

Re: Moving from UK to chicago

You forgot the 250 nail salons :)
Forum: USA
Oct 31st 2017, 6:06 am
Replies: 62
Views: 5,892
Posted By malch

Re: West Coast / Bay Area - Tips

Ahhhh, the bits YOU like...

Besides, those things you mentioned are business practices. C'mon, these things are not totally altruistic -- they're done to generate positive publicity. To "smooth...
Forum: USA
Oct 31st 2017, 5:46 am
Replies: 62
Views: 5,892
Posted By malch

Re: West Coast / Bay Area - Tips

Some change is good. Some is bad. Some is a pointless wash.

Furthermore, good .v. bad is quite subjective encompassing personal values, preferences, foibles etc.

I use and like a lot of Google...
Forum: USA
Oct 31st 2017, 4:03 am
Replies: 62
Views: 5,892
Posted By malch

Re: West Coast / Bay Area - Tips

This really isn't very complicated.

In the 1980's, anyone paying some attention to the tech industry or the stock market, could see that Silicon Valley was center of gravity for tech. But most of...
Forum: USA
Oct 30th 2017, 4:54 am
Replies: 62
Views: 5,892
Posted By malch

Re: West Coast / Bay Area - Tips

On the plus side, the Bay Area offers:

* A year-round climate that is as good as it gets.
* A lot of superb and highly paid job opportunities.
* Some beautiful scenery.

On the down side, the...
Forum: USA
Sep 26th 2017, 4:51 am
Replies: 3
Views: 719
Posted By malch

Re: Primary schools

That's a useful national starting point. But ultimately, you need more detailed local data.

Also, think about what constitutes "best" for you and your child. Some high schools with the highest...
Forum: USA
Sep 23rd 2017, 11:16 am
Replies: 19
Views: 3,892
Posted By malch

Re: Best way to build credit score in U.S from U.K

That's outrageous! You used my money without my permission? :)

I was lucky -- when I arrived in the USA I already had two US credit cards in my wallet. Back then (~1992) NatWest owned a small bank...
Forum: USA
Sep 23rd 2017, 2:44 am
Replies: 12
Views: 953
Posted By malch

Re: U.K. Pension application

I didn't know that. Thanks. I think I'll do it myself -- it probably gives me a little more sense of having some control over the process :-)
Forum: USA
Sep 22nd 2017, 11:06 am
Replies: 12
Views: 953
Posted By malch

Re: U.K. Pension application

Hmmmm, I don't think so. In order to receive a UK State Pension I believe you should make your application with the UK authorities. That's what I plan to do in a few months.

However, you must...
Forum: USA
Sep 22nd 2017, 5:21 am
Replies: 29
Views: 6,644
Posted By malch

Re: So homesick

I understand, and that makes it more of a challenge. Caring for special needs can be draining and spending at least a small amount of time doing something unrelated can be very healthy.

BTW, great...
Forum: USA
Sep 22nd 2017, 4:58 am
Replies: 29
Views: 6,644
Posted By malch

Re: So homesick

+1

Yes, meet people and do fun stuff. Otherwise, it's like going on a two week vacation and never leaving your hotel room. Except that in your case, it's two years!

Use this as an opportunity...
Forum: USA
Sep 22nd 2017, 3:31 am
Replies: 35
Views: 3,823
Posted By malch

Re: So expensive to rent a car

Yep. I've seen minivans and SUV's excluded as well as luxury/sports cars.

You really, really have to check out the whole package. IMO, it's worth the effort because the savings can be considerable.
Forum: USA
Sep 21st 2017, 7:46 am
Replies: 35
Views: 3,823
Posted By malch

Re: So expensive to rent a car

The insurance provided with some credit cards can be a real money saver. However, you need to check the terms carefully. Coverage is limited and may leave you with more exposure that you're...
Forum: USA
Sep 21st 2017, 7:05 am
Replies: 65
Views: 6,632
Posted By malch

Re: Excellent credit rating, what will happen to it in the states?

We spent a lot of time looking at used economy cars for our daughter. We considered many of the models mentioned here as well as the Hertz (and other rental company) car sales programs.
...
Forum: USA
Sep 21st 2017, 5:59 am
Replies: 19
Views: 3,892
Posted By malch

Re: Best way to build credit score in U.S from U.K

I'm not sure opening a bank account is going to do much for you.

Here's a trick I used to build credit following my arrival in the US...

Went to a Credit Union (but a bank should work if you're...
Forum: USA
Sep 20th 2017, 1:48 pm
Replies: 65
Views: 6,632
Posted By malch

Re: Excellent credit rating, what will happen to it in the states?

We have taken loans on the last two cars we purchased. Although we had the money to cover the cost, it wasn't all liquid and immediately available. In both cases we got very low interest rates (3%...
Forum: USA
Sep 20th 2017, 1:34 pm
Replies: 16
Views: 1,860
Posted By malch

Re: Practical driving test

That's what I taught my daughter. She also had some professional driving lessons and her instructor confirmed that was the appropriate M.O. at least in CA.

Personally, I do think it's a good idea...
Forum: USA
Sep 19th 2017, 10:46 am
Replies: 65
Views: 6,632
Posted By malch

Re: Excellent credit rating, what will happen to it in the states?

And when you do, Equifax will leak all of your info to crooks. Grrrrrr, still seething!
Forum: USA
Sep 19th 2017, 10:42 am
Replies: 65
Views: 6,632
Posted By malch

Re: Excellent credit rating, what will happen to it in the states?

If buying a new car, the dealers frequently offer great promotional rates as low as 2 or 3%. But some of the smaller used car outfits are unscrupulous and engage in all manner of scams. Great care is...
Forum: USA
Sep 19th 2017, 5:25 am
Replies: 15
Views: 1,944
Posted By malch

Re: Auto insurance and proof of UK driving history

Call around. It's a bit hit and miss but you will find someone that's willing to discount based on your UK driving record if you have at least some reasonable supporting documentation.

In a year...
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