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A Humble Question From Across The Pond

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AUTHOR: Mark Crothers on 6/22/2025

I stumbled upon this site about 18 months ago and have been reading ever since.

When I heard about Jonathan’s diagnosis, it really got me thinking about how I could contribute. The thing is, I’m based in the UK, and I was a bit hesitant at first because I know Humble Dollar primarily focuses on US personal finance – especially with all the ins and outs of US pension planning.

But I decided to post  a few essays on some more general financial topics, just to see how they’d be received. And honestly, I’ve been really encouraged by your responses!

So, I wanted to politely ask: would you be happy for a UK-based writer like me to keep contributing?  I’m obviously a bit needy and need some reassurance 😂

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R Quinn
13 days ago

Are you anywhere near Edenfield?

Mike Gaynes
13 days ago

Mark, I spend much of my day in online conversation with “furriners” on social media hosting fans of the football club Everton. (I’ve been a Toffee for 40 years now.) I’ve built friendships so deep that I stay with them when I go over every few years to watch games. On the site we talk not only footy but politics, music, history, travel and just about everything else — except money, which apparently is too personal to discuss. So it seems perfectly natural to me to be reading commentary from someone who writes with a different accent than mine!

Please continue. Unless you’re a Liverpool or Manchester United fan, of course. In that case, sod off. ;-))

Last edited 13 days ago by Mike Gaynes
Rick Connor
13 days ago
Reply to  Mike Gaynes

My son is a die-hard Man City fan. We saw our first match there back in March. It was a great experience. He and his family did some trail in Wales afterwards and saw a match in Swindon and enjoyed. And I agree about Liverpool and ManU. Except for a dear nephew who somehow picked Liverpool!

Greg Tomamichel
13 days ago

G’day Mark, all the way from Australia. I too felt a bit weird writing given that I’m outside the US. But if found that HD readers seem to enjoy a different perspective and have been very supportive of me as a (very) novice writer from the other side of the globe.

1PF
13 days ago
Reply to  Mark Crothers

our America cousins
This feels so right! We are all one human family.

bbbobbins
13 days ago

As I’m not in the US either I think there are lot of commonalities regardless. The technical specifics may change but the overall themes and issues are the same. Plus an outside perspective helps as do some younger voices.

The biggest surprise to me is that a lot of the HD population seem to regard international travel as a big thing. I suspect for Aussies that travelling is as natural to them as beating the Poms in home Ashes.

I spend a fair amount of time in the US and some of my best friends are there. I did consider at one stage buying a property with an eye to eventual retirement but concluded that healthcare would end up being prohibitive given I wouldn’t have benefited from low personal taxes during my earning career. So if it happened anywhere, bar a lottery win, it would be Canada rather than the US.

David Lancaster
13 days ago
Reply to  bbbobbins

OK, you’ve got me intrigued, “as natural to them as beating the Poms in home Ashes?”

Please explain this saying to us Yankees.

bbbobbins
13 days ago

Cricket is THE bat and ball sport played worldwide and the reason the US had to develop baseball in order to have something to be good at. 😉

There are various formats ranging from 100/120 ball to 300 ball to 5 day Test Matches. The Ashes are the most prized trophy in international sport being a tiny urn containing the remnants of some burnt stumps and they never actually leave Lord’s in London and only Australia or England can be the holders at any point in time. This coming Northern Hemisphere winter England will once again try to regain them on Aussie soil and no doubt come home disappointed.

https://en.wikipedia.org/wiki/The_Ashes

Not unlike the World Series the name has its origin in a newspaper.

Sidebar: England are currently engaged in a fascinating Day 5 run chase vs India where they not only have to pass the Indian score but also defeat Yorkshire weather.

Further sidebar: I remembered that the US actually played in the first international cricket match vs Canada

Last edited 13 days ago by bbbobbins
Mike Gaynes
13 days ago
Reply to  bbbobbins

I constantly tease my Everton friends — a couple of whom regularly travel to the West Indies to watch cricket — that a sport isn’t really a sport if it includes stopping in mid-match for tea or competing for cigarette leftovers. 😉

bbbobbins
13 days ago
Reply to  Mike Gaynes

Sorry I noticed an error in my previous post which should have read “in order for the Cubans, Puerto Ricans and Japanese to be good at” 😉

David Lancaster
12 days ago
Reply to  Mark Crothers

No wonder I can’t watch a British TV shows. They butcher the king’s english. 👑

R Quinn
12 days ago

From 8:00 pm each night we watch British TV on Britbox.

I occasionally find myself using a British phrase. The other day I opened the door and said come through rather than come in.

bbbobbins
13 days ago
Reply to  Mark Crothers

Nope but I do sometimes slip into the vernacular.

David Powell
14 days ago

Yes, please! As someone whose stock portfolio is split 50/50 US and ex-US, I assert HD could use more international writers.

baldscreen
14 days ago

I have enjoyed your articles, Mark. Count me in for hearing more. Chris

Edmund Marsh
14 days ago

I look forward to your next article!

DAN SMITH
14 days ago

Thumbs Up Mark!

Rick Connor
14 days ago

Mark – absolutely. I agree with Ken below; I’d love to know more about you, whatever you are comfortable with. I’m intrigued by a vacation home near the Giants Causeway.

Liam K
14 days ago

Yes, please keep posting! As someone considering living outside the US later in life, I enjoy hearing financial and lifestyle commentary from non-Americans.

R Quinn
15 days ago

I watch Britbox every day, so I might understand even if you use “jumper” or “bracers” and I eat black pudding for breakfast and I have sausage rolls in the freezer. I would have voted against Brexit if a could.

Jonathan Clements
Admin
14 days ago
Reply to  R Quinn

I love sausage rolls, steak and kidney pie, English sausages, tomato and sardine paste, pork pies, and more. When I worked in NYC, this was my temple:

https://myersofkeswick.com/

Mike Gaynes
13 days ago

I love the sausage rolls, fried fish and pasties on Merseyside — though scouse is an acquired taste I have not yet acquired — and remain wistfully in love with a faraway Scottish stew called Cullen Skink. Magic in a bowl on a rainy day in Mallaig.

R Quinn
14 days ago

Please don’t tell us you like Marmite on toast.

Jonathan Clements
Admin
14 days ago
Reply to  R Quinn

I love Marmite on toast. But I know it offends those around me, so I try to eat it sparingly.

R Quinn
14 days ago

A friend of mine in England tricked me into trying it.

mytimetotravel
14 days ago
Reply to  R Quinn

I eat that as part of breakfast every morning. Don’t like the sound of tomato and sardine paste, though.

R Quinn
13 days ago
Reply to  mytimetotravel

It’s a byproduct of brewing beer so I guess that’s a good thing. 😀

mytimetotravel
13 days ago
Reply to  R Quinn

I was glad to find my local Harris Teeter stocked it, but it wasn’t on the International aisle as you’d expect. Turned out it was on the Baking aisle, presumably because it’s derived from yeast.

Linda Grady
14 days ago
Reply to  mytimetotravel

Kathy and Dick, your repartee always makes me chuckle. Please let me know when you start your podcast. Or are you secretly the same person?😀😉 (For any newbies here, I’m just kidding – no podcast in the works as far as I know, but it would be good if they did).

mytimetotravel
14 days ago
Reply to  Linda Grady

BTW, there’s a perfectly reasonable explanation for the marmite toast, quite aside from the fact that I actually like marmite. I eat one slice of whole wheat toast at breakfast for the fiber. I have borderline hypoglycemia, and if I put marmalade on it, which would be the normal British thing to do, never mind jam – er, jelly – it messes up my blood sugar and I’m starving before lunch.

R Quinn
13 days ago
Reply to  mytimetotravel

You do know there is a difference between jam and jelly right?

mytimetotravel
13 days ago
Reply to  R Quinn

What my US friends call jelly is what I would call jam. See here.

mytimetotravel
14 days ago
Reply to  Linda Grady

We aim to please… 😉 Definitely no podcast! I used to have a travel blog but it’s been dormant for years. I believe Dick has an active finance blog.

R Quinn
13 days ago
Reply to  mytimetotravel

It’s active, but not much finance. More employee benefits, health benefits and politics and of course, rants about it all.

DAN SMITH
14 days ago
Reply to  Linda Grady

OMG Linda, brilliant idea!

William Housley
15 days ago

Welcome…
Cheers

Last edited 14 days ago by William Housley
Ken Cutler
15 days ago

Yes, keep posting Mark. Your articles are interesting and well-written. One suggestion: create your Forum profile to provide us with some general background and biographical information.

Ken Cutler
14 days ago
Reply to  Ken Cutler

Mark, I see you took my suggestion. Now where’s that “thumbs up” symbol when I need it?

David Lancaster
15 days ago

Definitely yes. Your writing is quite thought provoking. At first I was a bit hesitant to read your posts being that they are UK based, but still there is some definite overlap in our hopes, experiences, and investing/retirement “fears” on both sides of the pond!

David Mulligan
15 days ago

Of course, it’s always interesting to get a different viewpoint. Keep ’em coming!

mytimetotravel
15 days ago

Absolutely! Other viewpoints are great, and it’s nice to see a fellow Brit here, even if I have been gone a long time.

Jonathan Clements
Admin
15 days ago

Yes, please keep posting!

jan Ohara
15 days ago

I vote a resounding yes! As I just wrote in a response to one of your other articles, I’m enjoying your writing very much! And articles not based on evaluating pensions is a welcome divergence. I’m relatively new to HD, having found it about a year ago, so I’m not sure of the value of my vote, but there it is!

R Quinn
15 days ago

Yes👍🏼

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