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Search: Posts Made By: cranston
Showing results 1 to 25 of 884
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Forum: USA
Dec 24th 2025, 6:19 am
Replies: 16
Views: 1,966
Posted By cranston

Re: Establishing Healthcare/Insurance Costs

Yes, you pay the deuctible. I'm in TX, my wife & I have a 2026 Bronze plan which costs $2,185 cost per month with a $10,000 deductible each & a family deductible of $20K.

2025 my deuctible was...
Forum: USA
Jan 29th 2025, 8:22 am
Replies: 1,097
Views: 412,740
Posted By cranston

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

What tax year are you taliking about?

FYI I spoke to HMRC yesterday and they said for 22/23 they have had multiple problems applying NI2 credits. For 23/24, to wait until a week after Jan 31 for...
Forum: USA
Jan 7th 2025, 8:38 am
Replies: 8
Views: 1,986
Posted By cranston

Re: Class 2 Contributions When Not Employed

Here

"But you may choose to pay Class 2 contributions if......... This applies if you’re any of the following:

an examiner,
a minister of religion
a person who makes investments - but...
Forum: USA
Nov 9th 2024, 8:37 am
Replies: 5
Views: 2,241
Posted By cranston

Re: Paying voluntary contributions

Use Wise.com. Simpler, less hassle, less fees & instant payment..
Forum: USA
Apr 18th 2023, 3:51 am
Replies: 23
Views: 4,612
Posted By cranston

Re: Need bank account in the UK or other options ....

I am an AJ Bell customer and they pay my SIPP withdrawals to Wise and have done so for 4 years ish.

My wife tried to link her Bell Sipp with Wise and they initially refused. I wrote back saying...
Forum: The Trailer Park
Oct 25th 2020, 12:09 pm
Replies: 5,842
Views: 462,545
Posted By cranston

Re: 2020 Election

I believe that enough people are telling pollsters lies on who they are voting for that Trump wins this. The polling industry is dead.

Time will tell.
Forum: USA
Jan 8th 2020, 12:30 pm
Replies: 11
Views: 1,446
Posted By cranston

Re: Options for buying basic 'mutual funds' in the UK

Try AJBell. I have my SIPP there and they know I'm in the US.
Forum: USA
Jul 19th 2019, 5:27 am
Replies: 24
Views: 5,285
Posted By cranston

Re: Transferring Money from the UK to USA

My son is in the USAF stationed overseas and they recommend Transferwise for their new deployees
Forum: USA
Jul 14th 2019, 11:19 am
Replies: 3
Views: 1,020
Posted By cranston

Re: Trying to merge UK pensions, possible and/or worth it?

I have done that in a SIPP, it was very easy. As you have found out some UK investment firms don't want US based customers. AJ Bell is one option for you.
Forum: USA
Jul 13th 2019, 4:34 am
Replies: 21
Views: 10,517
Posted By cranston

Re: UK SIPP that works for US resident?

I use AJ Bell and they are very good.

Any questions please ask.
Forum: USA
Apr 26th 2019, 8:15 am
Replies: 13
Views: 3,875
Posted By cranston

Re: HSBC Premier changes

A few years ago I did a comparison between HSBC and xe trade GBP/USD (before I knew of Transferwise), HSBC was worse. No surprise. Can't remember the actual figures.
Forum: USA
Apr 21st 2019, 8:06 am
Replies: 49
Views: 6,203
Posted By cranston

Re: Building credit history before move

+1 on the Amex, their Global Transfer service was very helpful to us when we moved over. And Amex remains my favourite credit card in the US.
Forum: USA
Apr 15th 2019, 5:13 am
Replies: 14
Views: 1,904
Posted By cranston

Re: Investing in the UK

Exactly right.

The SP500s long term average gain is around 11% per year. Rather than punt fx whilst you have a higher probability of growth in the US stock market.
Forum: USA
Apr 5th 2019, 4:51 am
Replies: 3
Views: 1,158
Posted By cranston

Re: US <-> UK banking

$ to donuts the OFX 'customer rate' is more expensive than the Tranferwise process.
Forum: The Trailer Park
Mar 17th 2019, 6:13 am
Replies: 5,842
Views: 462,545
Posted By cranston

Re: 2020 Election

I quote from USA Today & Slate but you can put your own spin on it I am sure.


...
Forum: The Trailer Park
Mar 17th 2019, 6:01 am
Replies: 5,842
Views: 462,545
Posted By cranston

Re: 2020 Election

Agreed, Beto's real problem is that he is a privileged rich white man in a party that hates white men.

The Democratic nominee with most likely be a woman.
Forum: The Trailer Park
Feb 26th 2019, 8:52 am
Replies: 38
Views: 2,946
Posted By cranston

Re: DNA Testing

We had ours done last September with myheritage.com...great fun.
Forum: The Trailer Park
Jan 17th 2019, 2:41 pm
Replies: 4
Views: 1,480
Posted By cranston

Re: R.I.P. John Bogle

A great man.
Forum: USA
Jan 6th 2019, 1:24 pm
Replies: 32
Views: 3,181
Posted By cranston

Re: Annuity Nightmare, Daymare, Round-The-Clockmare

To receive GBP payments from 3rd party's, make FX deals & send USD.

One added advantage is you can get instantaneous text/mobile/email alerts of incoming credits.
Forum: USA
Jan 6th 2019, 1:17 pm
Replies: 32
Views: 3,181
Posted By cranston

Re: Annuity Nightmare, Daymare, Round-The-Clockmare

Yes, all UK authorized banks can clear debits and credits but only 11 banks are Clearing Banks and members of the Cheque and Credit Clearing Company. 'Clearing Bank' has a specific legal meaning in...
Forum: USA
Jan 6th 2019, 11:33 am
Replies: 32
Views: 3,181
Posted By cranston

Re: Annuity Nightmare, Daymare, Round-The-Clockmare

I have used TW for a year and I found them to be very good
Forum: USA
Jan 6th 2019, 11:21 am
Replies: 34
Views: 4,746
Posted By cranston

Re: How to handle bank accounts

I found HSBC a difficult bank to deal with and no longer use them.

I use Transferwise and NatWest as my UK bank account.
Forum: USA
Jan 6th 2019, 11:11 am
Replies: 32
Views: 3,181
Posted By cranston

Re: Annuity Nightmare, Daymare, Round-The-Clockmare

This is a better Sort code checker - not all websites are equal

23-14-70 = Transferwise UK, as TW are not a Clearing Bank, they have an account with Barclays who are a Clearing Bank.

Sort Code...
Forum: USA
Jan 4th 2019, 2:22 am
Replies: 32
Views: 3,181
Posted By cranston

Re: Annuity Nightmare, Daymare, Round-The-Clockmare

get out of any responsibility for late payment to you.



A bank (such as Citibank Na, London) can be both a full London branch offering all the usual banking services in the UK to UK citizens...
Forum: USA
Jan 3rd 2019, 12:52 pm
Replies: 139
Views: 38,702
Posted By cranston

Re: Opportunity to go to USA California - Should i go?

Housing is going to going to bleed you dry.

Check out prices with zillow.com
Showing results 1 to 25 of 884
 
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