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Search: Posts Made By: GOALFIRE
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Nov 5th 2020, 12:08 pm
Replies: 29
Views: 3,134
Posted By GOALFIRE

Re: Opportunity to move back to UK

Generally I've found Americans to be a lot more upbeat than the Brits, often when they have no reason to be. One of the things I'll need to prepare myself (and my wife who's not used to the negative...
Oct 21st 2020, 11:13 pm
Replies: 51
Views: 4,339
Posted By GOALFIRE

Re: Lowdown on Tax Issues

Sorry to dig up an old thread but I'm making a load of notes so I have all the great advise on numerous subjects all on one document so I can reference it in the future!

With respect to tracking...
Oct 17th 2020, 3:55 pm
Replies: 10
Views: 921
Posted By GOALFIRE

Re: UK tax questions - what can I fill personal exemption with?

You're welcome, about time I returned some capital though I'm still in your debt! So on that note please allow me to dig a bit deeper on your statements above.

We have a joint brokerage account ...
Oct 17th 2020, 11:39 am
Replies: 10
Views: 921
Posted By GOALFIRE

Re: UK tax questions - what can I fill personal exemption with?

Sharing a handy website I found for calculating UK tax. One thing it did clarify is that I can use dividends and interest to fill up my personal allowance as well as their separate allowances but I...
Oct 15th 2020, 10:57 pm
Replies: 19
Views: 1,753
Posted By GOALFIRE

Re: Planning retirement in the UK

Yes, the difference between 0.13% and 0.10% expense ratio is not 'much' but VTI is 0.03% and total bonds is 0.05% so as a percentage doesn't look like a lot but it adds up. I could go all in on...
Oct 15th 2020, 11:54 am
Replies: 19
Views: 1,753
Posted By GOALFIRE

Re: Planning retirement in the UK

Agreed, still it pains me to pay a premium for someone else to balance my portfolio when it takes me about 10 minutes a year and will cost me over $1,000 a year in additional fees to do so (though...
Oct 15th 2020, 10:29 am
Replies: 19
Views: 1,753
Posted By GOALFIRE

Re: Planning retirement in the UK

Interesting, when I spoke to Schwab (it was an IM exchange not a 'proper' call) they said that I'd open a US Schwab account and then when I planned on moving they'd transfer that account into an...
Oct 14th 2020, 8:22 pm
Replies: 19
Views: 1,753
Posted By GOALFIRE

Re: Planning retirement in the UK

I have Vanguard but will move from them before moving to the UK. When I called them to see if they would have any issue with me moving they said they don't support overseas clients and I could only...
Oct 14th 2020, 11:21 am
Replies: 19
Views: 1,753
Posted By GOALFIRE

Re: Planning retirement in the UK

I was unaware of that rule with respect to using equity from a home sale, thanks for sharing that. Does a similar rule apply to investments by chance? We have investments we've held for years that...
Oct 8th 2020, 10:24 pm
Replies: 10
Views: 921
Posted By GOALFIRE

Re: UK tax questions - what can I fill personal exemption with?

Yes, aside from a checking account and a standard savings account I don't plan on any other form of UK investments. All my money will be US based (still researching if I will change brokerage) and...
Oct 8th 2020, 11:53 am
Replies: 31
Views: 3,248
Posted By GOALFIRE

Re: 13 months in - struggling

Funnily enough I grew up in North Wales and one of my top destinations being considered for when we return is South Wales but I'm not all that familiar with the area (we'll rent if we do move there)....
Oct 8th 2020, 11:33 am
Replies: 10
Views: 921
Posted By GOALFIRE

UK tax questions - what can I fill personal exemption with?

Hi - as part of my planning for possible return to the UK I'm running a couple tax simulation models to see how much I'll owe (UK and US) based on our situation (or expected situation in the future)....
Replies: 2
Views: 352
Posted By GOALFIRE

Proof of cohabitation - living with a relative

Hi - a relative has kindly offered up part of their house (semi-self contained lower level) for the wife and I to live in if we return to the UK. It is not a separate dwelling so the address will be...
Sep 21st 2020, 8:40 pm
Replies: 6
Views: 634
Posted By GOALFIRE

Re: How To get To Bute

I've really been enjoying Paul Murton's Grand Tour of Scottish Islands on Amazon Prime - I think a grand tour of my own upon my retirement is in order!
Sep 14th 2020, 10:02 am
Replies: 9
Views: 560
Posted By GOALFIRE

Re: WEP Guarantee

Well played sir, well played.
Sep 13th 2020, 10:43 pm
Replies: 49
Views: 2,800
Posted By GOALFIRE

Re: USA to UK transfer Social Security to NI contributions

Excellent, thank you.

Does anyone know how (or if) WEP works if you take SS before your OAP, say one would start SS at 65 before OAP starts at 67. Do you get a couple years of SS at full rate then...
Sep 13th 2020, 3:13 pm
Replies: 49
Views: 2,800
Posted By GOALFIRE

Re: USA to UK transfer Social Security to NI contributions

I'd be very grateful if you'd share how this works out for your wife once you find out? I think I'll wait until then before I commit to paying any back years (or future years) voluntarily just in...
Sep 11th 2020, 10:46 am
Replies: 52
NHS
Views: 3,286
Posted By GOALFIRE

Re: NHS

Still a bargin if you ask me! Less that $1,000USD for a years coverage, no deductable and minimal out of pocket, can't beat that!
Sep 7th 2020, 3:50 pm
Replies: 49
Views: 2,800
Posted By GOALFIRE

Re: USA to UK transfer Social Security to NI contributions

Good to know that I can set up a monthly DD for future contributions, can I set that up prior to moving back do you know? Now that I think about it the pension I have is a company pension not a SIPP....
Sep 7th 2020, 12:37 pm
Replies: 49
Views: 2,800
Posted By GOALFIRE

Re: USA to UK transfer Social Security to NI contributions

I am I safe to assume if one had a small SIPP and it was all depleted before one applies for US SS that it would not be counted (as it's gone, spent) in the WEP calculation?

I've decided to make...
Aug 28th 2020, 5:06 pm
Replies: 31
Views: 3,667
Posted By GOALFIRE

Re: Moving back to Wales

Excellent, thanks!
Aug 28th 2020, 1:27 pm
Replies: 31
Views: 3,667
Posted By GOALFIRE

Re: Moving back to Wales

Would you feel any more comfortable now using Transferwise for such a large sum?
Aug 24th 2020, 2:12 pm
Replies: 51
Views: 4,339
Posted By GOALFIRE

Re: Lowdown on Tax Issues

Yet again, thank you very much!
Aug 24th 2020, 11:02 am
Replies: 10
Views: 1,356
Posted By GOALFIRE

Re: UK Accountant that has USA tax treaty and can complete IRS returns

Dear me that seems expensive! Good motivation to try and figure out how to do this ones self I think!
Aug 24th 2020, 10:56 am
Replies: 51
Views: 4,339
Posted By GOALFIRE

Re: Lowdown on Tax Issues

Yes, I'll be in a similar situation with my wife also as she has little to no interest in the mechanics of the money so to speak!

Would you mind giving a quick rundown of how the mechanics work...
Showing results 1 to 25 of 63
 


 
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