Visas & Citizenship / ILR, BRP and e-Visa Issue
« Last post by lotrfan on Yesterday at 08:19:56 PM »Some pertinent background before my questions…
I am a USC. I have lived and worked in the UK from 1991 to 2013 when I retired from my position at a UK University. I received my ILR in 1998 while working at that University. I am married to a UKC. Since retiring in 2013, I have not travelled out of the UK.
After spending the last few hours reading quite a few articles from UKVI and further afield, my ILR is apparently called the old version as it is a piece of paper and a vignette in one of my old passports. It states I have indefinite leave to remain along with a few requirements such as not leaving the country for a continuous period of 2 years, etc.
The first questions I have are as follows:
- It is my choice to elect/to not elect to transfer my “old” ILR to a BRP through the NTL (no time limit) application. Correct?
- I see those with BRPs are being required to file for e-Visas. Does this then mean that “old” ILR are now required to do the same?
- Are we looking at a possible Windrush II scenario if someone on the “old” ILR attempts to travel outside of the UK and is refused re-entry as they may not have an e-Visa though my have the letter and the vignette.
- Any other constructive comments are very welcome.
I will eventually approach the UKVI about this situation but I am running this by the forum first for first hand" experiences, etc.
Thanks for reading and thanks in advance for comments/advice
Visas & Citizenship / Re: E Visa
« Last post by movilla on May 18, 2024, 03:12:39 PM »Do the latest BRP cards have an actual physical chip? There's none on the back and on the front above my wife's photo is an image of a chip. Is that it? Scanning around that part did not recognise anything.
I think we found the chip is on the back but invisible. Thanks UKVI. However, we're still going around in circles, returning to the 'Link your eVisa' page and having to Confirm Identity again. I think we've been here around 10 times. But I think we're also locked out for 24 hours. This is super frustrating for something that should be so simple.
Visas & Citizenship / Re: E Visa
« Last post by movilla on May 18, 2024, 02:27:54 PM »Do the latest BRP cards have an actual physical chip? There's none on the back and on the front above my wife's photo is an image of a chip. Is that it? Scanning around that part did not recognise anything.
M.
Visas & Citizenship / Re: E Visa
« Last post by robinsnc on May 18, 2024, 11:34:03 AM »Now, my BRP doesn't expire until the end of the year so perhaps that's why? But it seems silly to ask me to set up an account more than six months in advance.
US - UK Taxes / Re: US Money market funds
« Last post by nun on May 17, 2024, 07:05:49 PM »Looking at my last UK return they appear in schedule 3: Foreign Savings, and are listed as "Vanguard qualified dividends" (from my ETF equity fund) and "Vanguard unqualified dividends" from the Vanguard money market clearing account. The qualified dividends attract the lower tax rates and unqualified dividends get treated as interest.
Funds that have capital gains and dividends are the ones that get hurt the most by the “non reporting” tax regime as each year you have to pay tax on the capital gains and dividends at income tax rates. If all you have is a non reporting money market fund and declare the “dividends” as interest each year, then I think you are following the rules for non reporting funds.
Visas & Citizenship / Re: E Visa
« Last post by Rico on May 17, 2024, 02:26:30 PM »Still, I was contacted via email to apply for the eVisa, as I have a BRP with ILR, about 5 weeks ago. The process was a little finicky, but workable. It appears to have gone through ok.
What's unclear at the moment is what to do about the rest of my family, who each also have ILR as dependants on my application. As far as I'm aware, my email address is the only one associated with that application. One might have expected to be able to process the rest of the group at about the same time. However, I have not been able to do so when I have tried to follow the same instructions for them (ending at a point, after having successfully created an account for them, where the system notes that no application is pending for the individual). I suppose I will wait for further emails to process the others individually, but more clarity about what to expect would be appreciated.
US - UK Taxes / Re: US Money market funds
« Last post by durhamlad on May 17, 2024, 11:43:05 AM »The Vanguard money market funds are not ETFs and do not appear on the HMRC reporting funds list. I think that strictly speaking they pay dividends rather than interest. But if you are declaring the "interest" every year and paying UK tax on it then that sounds like the right way to deal with a UK non-reporting fund anyway.
Looking at my last UK return they appear in schedule 3: Foreign Savings, and are listed as "Vanguard qualified dividends" (from my ETF equity fund) and "Vanguard unqualified dividends" from the Vanguard money market clearing account. The qualified dividends attract the lower tax rates and unqualified dividends get treated as interest.
US - UK Taxes / Re: TIAA-CREF tax issue and contact issue
« Last post by nun on May 17, 2024, 11:16:27 AM »Very helpful, thank you! I'll post back whenever I've learned more.
A 9.5% lifetime annuity is pretty damn good (even though I assume this doesn't not include annual COLA increases). I'm 67, and contributed to TIAA from 1996 to 2006 (although all the TIAA Trad contributions were made from 1996-1999).
The capital I have in TIAA Trad isn't huge, but enough that it makes sense to look into these options. I'd really like to tie a bow around this and not have it hanging there while I continue to receive interest-only payments.
That vintage of contributions will probably get you a good rate on the annuity. More recent contracts are not as generous as the older ones. The 73 year age top start the payout annuity seems strange because that's close to the RMD age limit, I'd expect to see age threasholds like 55 or 59 1/2 instead.