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Search: Posts Made By: morpeth
Showing results 1 to 25 of 1000
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Forum: Rest of the World
Yesterday, 9:55 am
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

Gordon, this morning I was on the plane sitting next to a retired lady (in her late 50s) who lives in Cayman, and was a teacher there .
Forum: Rest of the World
Mar 16th 2023, 3:22 pm
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

I did summer work for an American company in London back in the 70s, the tea lady coming by in the mornings and the afternoons drove the American managers crazy.

On the other hand, managing a...
Forum: Rest of the World
Mar 15th 2023, 2:26 pm
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

She has branched out to different topics, and she has an engaging manner.

Her series 'how to act Indonesian' perhaps only so funny if one has lived in Indonesia and speak a bit of Indonesian. She...
Forum: Rest of the World
Mar 15th 2023, 4:04 am
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

JD thanks for the commentary.

There is a YouTube series called 'How to Act Indonesian'. It is extremely politically incorrect, but if one remembers the person doing the series loves Indonesia, and...
Forum: Rest of the World
Mar 14th 2023, 4:27 pm
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

I hear you about long flights, and the hassle travelling can be these days. About twenty years ago on business I was flying from the West Coast to London often. I finally discovered airport hotels. I...
Forum: Rest of the World
Mar 14th 2023, 6:51 am
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

While I avoid social media and so forth, WhatsApp has proven to link up with old friends or people I knew. Through a whats app group from my university found out .one classmate lives in Amsterdam a...
Forum: Spain
Mar 12th 2023, 11:24 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

A lot of US debt is below 20 years and a substantial amount under 10 year. While of course speculation, I suspect interest rate on average will creep upwards the next 10 years considering the...
Forum: Spain
Mar 12th 2023, 9:20 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

I wonder how much damage to government budgets will result having to re-finance current debt.

I was in Silicon Valley Bank when it started- the business model originally was a good one if it had...
Forum: Spain
Mar 12th 2023, 9:17 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

My point actually may not be too germane to the discussion, in retrospect.

I like WISE and use it frequently, but I certainly wouldn't leave five figure sums for them to invest, especially as the...
Forum: Spain
Mar 12th 2023, 6:49 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

Again, just having your name on an account doesn't mean you are the owner of the account, and as I posted any balance you have in WISE they openly say they invest.

I do the same I can receive...
Forum: Spain
Mar 12th 2023, 6:41 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

Actually the WISE website makes it clear when you deposit/receive money that they take balances and invest it themselves :Where is my money held?

Wise uses two approaches to safeguard your funds....
Forum: Spain
Mar 12th 2023, 6:31 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

1 )So do it through the bank or through WISE ?

2) If it is actually your account, then one would assume you go go direct the bank, or change the address at the bank- just because your name is on...
Forum: Spain
Mar 12th 2023, 6:26 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

It would be very odd that the FCA would allow a third party to verify the 'know your customer rules, however if the account belongs to WISE, the UK bank would still probably do some cursory checks...
Forum: Spain
Mar 12th 2023, 6:12 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

Yes I know in the UK they provide a sort code, and account number; and in the USA a routing number and account number- I just highly doubt it is an actual account with the owner being the WISE...
Forum: Spain
Mar 12th 2023, 3:59 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

Yes for receiving money- however I believe you are not opening a bank account, just that WISE makes arrangement with the particular bank to designate WISE accounts by customer name- otherwise...
Forum: Retirement and MM2H
Mar 12th 2023, 3:52 pm
Replies: 26
Views: 2,168
Posted By morpeth

Re: Is a TransferWise exchange a 'Remittance'?

Many- for example Chinese Yuan, or Swiss Francs
Forum: Spain
Mar 12th 2023, 4:57 am
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

So if I understand it correctly when WISE provides your "own" bank account, it is really just a WISE account that the bank allows WISE to set up multiple accounts under different name.
Forum: Retirement and MM2H
Mar 11th 2023, 1:28 pm
Replies: 26
Views: 2,168
Posted By morpeth

Re: Is a TransferWise exchange a 'Remittance'?

Doesn't it depend on the currency ? I have a WISE account, they o not give bank account for some currencies.
Forum: Spain
Mar 11th 2023, 1:20 pm
Replies: 42
Views: 1,050
Posted By morpeth

Re: Wise - extra security available

I should know this but- but if using the card say in a Euro country, and Euros go to zero, does Wise then transfer debit card purchases ?

I use Wise to transfer between countries,sending money to...
Forum: USA
Mar 8th 2023, 6:40 pm
Replies: 11
Views: 596
Posted By morpeth

Re: First Tax submission in US (California): Chaos!

I assume on (2) your wife may need to report on Form 5471.

California is a very aggressive state in tax collection matters. For (4) Yes I have known people who have received payment while in...
Forum: Moving back or to the UK
Mar 2nd 2023, 5:33 pm
Replies: 4
Views: 301
Posted By morpeth

Re: Personal loan

have you checked the credit score ? clearscore or totallymoney give free credit reports.

when i returned i found on my credit report an old marks and spencer account from 25 years before i had...
Forum: Moving back or to the UK
Mar 2nd 2023, 12:35 pm
Replies: 4
Views: 301
Posted By morpeth

Re: Personal loan

Zopa a much better source than a bank for personal loans though interest rates will reflect credit rating. If you are on electoral roll, a credit card from 118118 or similar type credit card, male...
Forum: Rest of the World
Feb 28th 2023, 6:26 pm
Replies: 215
Views: 17,892
Posted By morpeth

Re: Back in the Day

In the 1970s in university in Switzerland we used to go to Paris on cheap package train trips, staying at the worst hotels for sure, And often walking around at all hours getting back- never did I...
Forum: US Immigration, Citizenship and Visas
Feb 28th 2023, 12:56 pm
Replies: 12
Views: 852
Posted By morpeth

Re: A Son's Duty

Were not native Americans also excluded from birthright citizenship in the USA ?

On this day, all American Indians made United States citizens | Constitution Center...
Forum: USA
Feb 27th 2023, 6:02 pm
Replies: 31
Views: 1,208
Posted By morpeth

Re: GBP to GBP transfer, subsequent conversion to USD tax implications

The IRS can accept a return with an explanation , but that doesn't necessarily by itself the treatment was correct- it can equally be simply it wasn't reviewed in detail.I know of a situation where...
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