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Search: Posts Made By: cautiousjon
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Forum: USA
Aug 3rd 2022, 11:19 am
Replies: 40
Views: 995
Posted By cautiousjon

Re: Financial Planning when considering UK and Us

For me as a UK citizen from birth with American kids and an American wife, I think that the advantages of me becoming a US citizen outweigh the disadvantages that come with being a US citizen...
Forum: USA
Jul 29th 2022, 11:06 am
Replies: 10
Views: 502
Posted By cautiousjon

Re: Bank Requesting Primary US Residential Address

Some friends have become South Dakota residents through the digital nomad law/loophole and say that it is highly effective. For more reading: https://slev.life/south-dakota-residency-for-nomads
...
Forum: USA
Jul 27th 2022, 8:13 am
Replies: 13
Views: 551
Posted By cautiousjon

Re: Transferring UK pension funds to US bank account

I understood that it is pretty well established now that the dual UK/US tax treaty allows for tax free payments in one country to be allowed as tax free payments in the other country. In the USA, the...
Forum: USA
Jul 26th 2022, 11:32 am
Replies: 10
Views: 461
Posted By cautiousjon

Re: Is 401(k) limit pro-rated for partial year

Better yet, if your employer offers a limited purpose FSA and an HSA with the same healthcare plan (like my previous employer did), take advantage of both! I can always spend an FSA of money on...
Forum: USA
Jul 25th 2022, 9:28 pm
Replies: 10
Views: 461
Posted By cautiousjon

Re: Is 401(k) limit pro-rated for partial year

The difference with FSAs (versus HSAs) is that the employer gets to keep the excess funds after the runout period has elapsed. If someone contributes $X to the FSA but only spends $X - $Y, the...
Forum: USA
Jul 20th 2022, 4:46 pm
Replies: 82
Views: 4,725
Posted By cautiousjon

Re: Moving to USA from UK

The loan officer of the mortgage company that we used specifically told me that the company "usually" holds "most" of the mortgages, but "reserves the right" to sell the mortgage on. Thankfully, when...
Forum: USA
Jul 20th 2022, 2:34 pm
Replies: 82
Views: 4,725
Posted By cautiousjon

Re: Moving to USA from UK

Another interesting thing about the US mortgage industry is that the servicing of the loan is also routinely sold off/transferred to different companies. During the life of your US mortgage, your...
Forum: USA
Oct 29th 2021, 4:11 am
Replies: 7
Views: 1,649
Posted By cautiousjon

Re: Should I stay or should I go? Future gazing tax questions..

As are ***usually*** green card holders / legal permanent residents.
Sep 11th 2021, 2:55 am
Replies: 333
Views: 14,380
Posted By cautiousjon

Re: Where is the anger?

As a parent of a US citizen, you can come and go as you please, just like US citizens and LPRs. You're not subject to the travel ban. However, any non-US citizen kids that you might have still are, I...
Forum: USA
Jun 20th 2021, 11:45 am
Replies: 9
Views: 1,204
Posted By cautiousjon

Re: Driving in California on my UK license (international student)

If you rent a car in the USA as a UK citizen from the UK rental car company website (Car Hire & Van Hire - Europe & Worldwide – Hertz Car Rental (http://www.hertz.co.uk) and pay in £), you'll...
Forum: USA
May 23rd 2021, 11:57 am
Replies: 15
Views: 3,865
Posted By cautiousjon

Re: Buy a car on finance with Zero US credit score - possible?

I bought a brand new Mazda CX5 through Mazda"s expat finance program (underwritten and serviced by Chase Auto Finance at the time) when I landed in 2014. My visa type (L1) qualified me for 0% APR for...
Forum: USA
May 23rd 2021, 11:45 am
Replies: 4
Views: 695
Posted By cautiousjon

Re: IRA Contributions if move back to UK pre-retirement?

If you are / become a dual US and UK citizen and live in the UK, you should be aware that you might need to rearrange your IRA investments before you move to the UK, particularly if you've...
Forum: USA
May 23rd 2021, 11:37 am
Replies: 19
Views: 1,936
Posted By cautiousjon

Re: Renew GC or go for citizenship?

I wanted to add that it won't just be tax implications that you'll have to navigate as a dual US and UK citizen that lives in the UK. Investing money can potentially get very tricky too....
Forum: USA
May 5th 2021, 3:47 am
Replies: 5
Views: 566
Posted By cautiousjon

Re: SSA and mailing documents

I had a very similar conversation with someone from the national SSA customer service center. The SSA claims that their offices are shut due to COVID-19, but somehow DMV offices, USCIS offices, local...
Forum: USA
Mar 25th 2021, 6:29 pm
Replies: 40
Views: 8,738
Posted By cautiousjon

Re: Driving in NJ with UK license

Sixt, Hertz, and Avis let me rent and drive cars with manual transmissions in the UK and Ireland with just my California driving license. I didn't need to use/show my UK driving license.
Forum: USA
Mar 18th 2021, 11:02 pm
Replies: 5
Views: 913
Posted By cautiousjon

Re: IRS Changes Due Date 2020 Return

Perhaps the IRS and/or Congress has already factored in the likelihood that many people won't file amended returns and thus the IRS gets to keep more cash.
Forum: USA
Mar 17th 2021, 3:28 pm
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

Haha, true. We moved to Georgia in late August so we haven't experienced the full brunt of summer yet. I don't like to feel hot, so we'll probably run our a/c 24/7 too. :thumb:
Forum: USA
Mar 17th 2021, 3:19 pm
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

Perhaps your husband's boss was referring to the Honda Odyssey. In the USA, you'll find that car park spaces are generally larger than they are in the UK, which means that the space between cars is...
Forum: USA
Mar 17th 2021, 12:24 pm
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

We used Dave Ramsey's Endorsed Local Provider program to find a number of realtors that work in the area that we wanted to buy in, and then interviewed each one. From the list that we were given, we...
Forum: USA
Mar 17th 2021, 12:21 pm
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

There is no "speedy" (premium) processing available for EB-1C, which I am guessing is what your spouse's employer will file the I140 (petition for a green card) under. My EB-1C application took 18...
Forum: USA
Mar 17th 2021, 12:11 pm
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

That's a great point that I missed. $50,000 of car loans @ 3% APR (which is pretty low for someone with no credit history) for 60 months with 6.35% CT sales tax is about $955 /month.



Another...
Forum: USA
Mar 17th 2021, 11:53 am
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

There is definitely a lot to consider with moves like these, and your income to expense ratio will definitely be a significant factor.

As for house buying, things will vary somewhat from...
Forum: USA
Mar 17th 2021, 12:56 am
Replies: 39
Views: 3,654
Posted By cautiousjon

Re: US mortgage with a UK credit score

You'll want to put down at least 20% in order to avoid PMI (Private Mortgage Insurance (https://www.investopedia.com/ask/answers/09/pmi.asp)), which costs 0.5% to 1% of your mortgage annually... so a...
Forum: USA
Oct 30th 2020, 11:02 am
Replies: 25
Views: 2,354
Posted By cautiousjon

Re: Travel To the states while waiting an interview

What do you mean by this? You need US work authorization to work while being physically present in the USA.
Forum: USA
Oct 15th 2020, 12:21 am
Replies: 4,634
Views: 351,606
Posted By cautiousjon

Re: Price of gas update...

I paid $1.759 /gallon in northern Atlanta today. It cost less than $15 to fill my car up with another 8 gallons (the fuel tank wasn't empty). :thumbsup:
Showing results 1 to 25 of 239
 


 
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