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Search: Posts Made By: dunroving
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Yesterday, 10:15 am
Replies: 26
Views: 960
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...
Mar 17th 2024, 1:14 pm
Replies: 26
Views: 960
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...
Mar 14th 2024, 6:07 pm
Replies: 5
Views: 337
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...
Mar 12th 2024, 10:24 am
Replies: 0
Views: 155
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...
Mar 9th 2024, 10:53 am
Replies: 7
Views: 414
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...
Mar 5th 2024, 9:37 am
Replies: 16
Views: 1,299
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...
Feb 28th 2024, 7:08 am
Replies: 7
Views: 442
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).
...
Feb 27th 2024, 10:26 am
Replies: 7
Views: 453
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...
Feb 25th 2024, 9:25 am
Replies: 9
Views: 429
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)...
Feb 6th 2024, 1:04 pm
Replies: 7
Views: 1,317
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.
Feb 6th 2024, 10:06 am
Replies: 12
Views: 606
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...
Feb 4th 2024, 6:36 pm
Replies: 12
Views: 606
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.
Feb 4th 2024, 3:27 pm
Replies: 12
Views: 606
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...
Feb 3rd 2024, 8:17 am
Replies: 5
Views: 1,261
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...
Feb 3rd 2024, 8:11 am
Replies: 22
Views: 1,576
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...
Feb 2nd 2024, 3:58 pm
Replies: 22
Views: 1,576
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...
Feb 2nd 2024, 8:46 am
Replies: 22
Views: 1,576
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...
Jan 30th 2024, 2:21 pm
Replies: 8
Views: 834
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...
Jan 25th 2024, 4:36 pm
Replies: 14
Views: 1,418
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...
Jan 11th 2024, 1:56 pm
Replies: 4
Views: 855
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...
Jan 10th 2024, 7:01 pm
Replies: 4
Views: 539
Posted By dunroving

Re: USA home sale / Capital Gains ?

If it's your primary residence, is CGT even due under UK tax regulations?
Jan 7th 2024, 8:27 am
Replies: 4
Views: 576
Posted By dunroving

Re: When to register for self-assessment

I'd say just wait until the deadline for online filing for 2022-2023 has passed. I can understand you wanting to tick off a task, but it's really not urgent.

Edited to add: That's January 24, less...
Dec 30th 2023, 9:12 am
Replies: 27
Views: 3,010
Posted By dunroving

Re: Renouncing USA citizenship

That was exactly my experience. Although I completed a W-8BEN, TIAA withheld tax and I had to file a tax return to get it back. All sounds fine, except that the withdrawals were early in the calendar...
Dec 20th 2023, 1:25 pm
Replies: 27
Views: 3,010
Posted By dunroving

Re: Renouncing USA citizenship

Yes, my US income these days is less than $1,000 p.a. - but when I was drawing down my 403(b), the annual amounts were considerably more. I essentially used that income to replace my UK work salary,...
Dec 20th 2023, 9:40 am
Replies: 27
Views: 3,010
Posted By dunroving

Re: Renouncing USA citizenship

Hope I'm not throwing confusion into the mix, but as a non-US citizen, non-US resident, I don't file a US tax return. I left the US in 2006 and have lived in the UK ever since. Since returning, I...
Showing results 1 to 25 of 1000
 


 
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