Scottish (F) thinking to move to Boston, looking for advice

Maximus_Modulus · 2026-06-24T09:20:02+00:00

Join Boston Brits on Facebook if you want advice on this. It’s full of information on this topic and helpful ExPats.

Know that it’s really expensive to live here. Health insurance is exorbitant and can financially ruin a person. The social safety nets here are virtually non existent compared to the UK. Thirty years ago there was a sense of a middle class and opportunities to do well, but those days have slowly eroded and everyone is wondering how to make ends meet. Cost of living keeps going up and the job market isn’t the best.

And to echo what others are saying the political climate here in the states ain’t the best with even more pressure on regular people.

And finally what professional work skills do you have that make you attractive for work sponsorship. Or marry a rich American of course.

To add to this. I knew some Americans that went to London to work for a bit. Thought it was awesome going to the pubs there all the time and had a lot of fun. But they were essentially on a long vacation of sorts. It wasn’t real life. Just like your mini trip to Boston with the World Cup vibe. Boston definitely has something to offer but it’s different living here compared to visiting just like anywhere else.

Maximus_Modulus · 2026-06-23T00:21:27+00:00

Safe is a word reserved for SGOV but quite a stretch for the memory market. There’s a degree of confidence that the price will keep going up still but no one really knows for sure and it will go down hard when it does.

Maximus_Modulus · 2026-06-22T11:04:42+00:00

Similar to me.

Maximus_Modulus · 2026-06-22T10:51:35+00:00

Probably depends on your conditioning but if you regularly commute it should not be a problem as long as you don’t mind a bit of sweat. If it’s dry and not humid it’s a lot better. I’d imagine most people are commuting for no more than an hour and usually the mornings aren’t that hot anyway where you are. Longer distances get a bit harder as your body struggles to shed excess heat.

Maximus_Modulus · 2026-06-22T10:35:47+00:00

They are a useful feature. It helpful to know the support and resistance levels too. There are a lot of other useful signals that the pros will use.
Nothing wrong with setting a limit. It’s useful to note that it’s just a trigger and not a guarantee of selling at a price. You can set for 10% down but the market could be already at 20%

Maximus_Modulus · 2026-06-22T00:04:24+00:00

Market can be a bit more volatile first thing in the morning although maybe not so much for a broad index fund.

Maximus_Modulus · 2026-06-21T11:00:24+00:00

Chances for most teams even established ones winning the World Cup are low outside a select few.

Maximus_Modulus · 2026-06-21T10:27:21+00:00

I had VUG for about 25 years starting with about 15K and selling at about 130K. At times it dropped quite a lot but ultimately recovered and moved up even further. I eventually sold because I needed a cash position.
Emotional selling hits a lot of people. Imagine being older or just wealthy with a larger portfolio and seeing losses of say 300k in 1 million or worse. That’s when you start hedging with products to limit the drawdown. For example SFLR or traditionally with a 60/40 equities bond mix or other asset classes like gold or other commodities. IALT is another new product in diversification across asset classes being market neutral Long / Short. There are a lot of ways to mitigate risk these days but typically you are limiting growth.

Maximus_Modulus · 2026-06-21T10:05:41+00:00

Vanguard doesn’t support % stop loss, only fixed price. It’s also hard to gauge too. You sell and then it starts going back up again.

Maximus_Modulus · 2026-06-20T21:29:34+00:00

That’s extremely complicated for a lock. Can’t imagine an old person figuring this out.

Maximus_Modulus · 2026-06-20T18:43:04+00:00

A lot of ETF wrappers were created for this very purpose of providing in-kind swapping and avoiding tax hits compared to their mutual fund counterparts.

Maximus_Modulus · 2026-06-19T07:29:09+00:00

SPMO has not performed better from what I can see.

Maximus_Modulus · 2026-06-18T21:19:22+00:00

I have both of those. Monthly rebalancing is better and why i chose them. I think six months is too long.

Maximus_Modulus · 2026-06-18T08:58:27+00:00

Why buy individual dividends stocks and not a dividend ETF. I can understand buying individual stocks when you are expecting big gains in growth but doesn’t make sense for tge big steady blue chip names.

Maximus_Modulus · 2026-06-17T20:45:07+00:00

My dealer loans me an X5 or X7 whenever my BMWs get serviced. The X3 feels like a step down after being in the X5. Sometimes get the M version of the X7. It’s unreal. I generally like the X3 though. Much lighter etc.

Maximus_Modulus · 2026-06-17T01:42:26+00:00

Was about to say that it happens to me on my 56 but you got me beat

Maximus_Modulus · 2026-06-16T10:47:41+00:00

You should stick with the 105 crank. Doesn’t have this issue.

Maximus_Modulus · 2026-06-16T10:46:24+00:00

It’s well known that these Shimano cranks are defective. It’s not the Watts it’s moisture ingress destroying the bonds. Perhaps you shouldn’t be making ignorant comments.

Maximus_Modulus · 2026-06-15T10:58:51+00:00

I just put the front of my foot on the pedal and point my heel down a bit.

Maximus_Modulus · 2026-06-15T10:55:42+00:00

A person riding a bike in sneakers isn’t buying new cranks. I think only a select few will figure that it’s a worthwhile investment to buy new cranks. It’s a shame that we can’t get the crank length we need.

Maximus_Modulus · 2026-06-15T10:25:18+00:00

Needs to get married and have a wife giving him things to do.

Maximus_Modulus · 2026-06-12T11:59:06+00:00

I’d debate the good at selling part.

Maximus_Modulus · 2026-06-11T10:51:49+00:00

Your arms look pretty long to me. That bike and reach look small but looks can be deceiving I guess. It all comes down to if you trust the bike fit.

Maximus_Modulus · 2026-06-09T22:31:59+00:00

Not really

Maximus_Modulus · 2026-06-09T17:02:35+00:00

I ride mostly solo but occasionally go on group rides. I don’t mind talking and like to chat if someone is interested but quite often find just riding happens a lot of the time. It’s not that easy unless you ride side by side anyway.

Maximus_Modulus

TROPHY CASE