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Search: Posts Made By: Glasgow Girl
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Forum: USA
Jan 21st 2021, 1:44 am
Replies: 15
Views: 573
Posted By Glasgow Girl

Re: How to find a Short term Rental / Sublease?

One other thing. With the moratorium on evictions due to Covid, you may find landlords willing to buy into a shorter lease than normal especially if you can pay several months rent in advance. Right...
Forum: USA
Jan 21st 2021, 1:08 am
Replies: 15
Views: 573
Posted By Glasgow Girl

Re: How to find a Short term Rental / Sublease?

Lots of apartment complexes will do month to month leases. It will be a little more expensive than a standard 6 month lease. You should not have to take a 12 month lease on board.

If you are...
Forum: USA
Jan 19th 2021, 9:35 pm
Replies: 39
Views: 1,126
Posted By Glasgow Girl

Re: Household Container transport for Move to US

I live in Missouri, so not far from Chicago, and I think the challenge is the climate more than anything else. Even with sprinklers the very hot summers coupled with the harsh winters make it very...
Forum: USA
Jan 19th 2021, 9:29 pm
Replies: 7
Views: 394
Posted By Glasgow Girl

Re: Bilateral State Pension Agreements

Easily done, it is way too complex!
Forum: USA
Jan 19th 2021, 9:24 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

Totally agree with tht. Budget for your annual premium because that is a guaranteed expense, and assuming your family have no chronic illness or serious medication requirements then perhaps have a...
Forum: USA
Jan 19th 2021, 4:12 pm
Replies: 7
Views: 394
Posted By Glasgow Girl

Re: Bilateral State Pension Agreements

WEP applies until you have at least 30 years earnings on which you paid social security. It starts to phase out after 20 years but is not totally eliminated until you reach 30 years.
Forum: USA
Jan 19th 2021, 12:55 am
Replies: 61
Views: 4,350
Posted By Glasgow Girl

Re: WEP question for Social Security

Yes, provided your annual income meets or exceeds the maximum Social Security Limit, doesn’t matter how you get there. The way they calculate it gives more credence to lower earnings, so someone...
Forum: USA
Jan 18th 2021, 10:37 pm
Replies: 7
Views: 394
Posted By Glasgow Girl

Re: Bilateral State Pension Agreements

Not sure what you are asking, but If you are trying to figure out how much your UK pension would increase if you used some of your US social security qualifying years to increase your UK qualifying...
Forum: USA
Jan 18th 2021, 8:36 pm
Replies: 4
Views: 386
Posted By Glasgow Girl

Re: Refund on US Tax paid on tax free uk pension lump sum?

Here is the link to the IRS’s position on the tax treaty, dated 2008. I don’t believe the treaty has been updated since July 19, 2002, although it was clarified on March 5th, 2003. If that is the...
Forum: USA
Jan 18th 2021, 7:56 pm
Replies: 61
Views: 4,350
Posted By Glasgow Girl

Re: WEP question for Social Security

Yes, if you earn a decent salary for enough years it is fairly easy to get a payout from social security that far exceeds the UK state pension. The US Social Security website provides some great...
Forum: USA
Jan 18th 2021, 5:58 pm
Replies: 4
Views: 386
Posted By Glasgow Girl

Re: Refund on US Tax paid on tax free uk pension lump sum?

Some argue that you can avoid taxation based upon the savings clause in the tax treaty. However this is the IRS’s statement on taxation of UK lump sums.

Article 1(5) of the Treaty provides a...
Forum: USA
Jan 18th 2021, 5:43 pm
Replies: 61
Views: 4,350
Posted By Glasgow Girl

Re: WEP question for Social Security

It all depends upon how they do the calculation.

As soon as you have attained the full pension, all further years of NI contributions do not add anything to your benefit. It is possible therefore...
Forum: USA
Jan 18th 2021, 5:17 pm
Replies: 61
Views: 4,350
Posted By Glasgow Girl

Re: WEP question for Social Security

No. Thankfully, the UK has no equivalent to WEP. They will not adjust your UK state pension based upon your SS payment.
Forum: USA
Jan 18th 2021, 5:07 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

In the case of an accident your medical policy may cover some or all of the cost. The injury has to be severe and not merely cosmetic like a broken or missing tooth. Depending upon the details you...
Forum: USA
Jan 18th 2021, 1:22 am
Replies: 61
Views: 4,350
Posted By Glasgow Girl

Re: WEP question for Social Security

If you go the to the web site that forecasts your UK pension you can get an up to date online statement of your qualifying years. In my case they identify my years from UK earnings as "Paid...
Forum: USA
Jan 17th 2021, 9:35 pm
Replies: 61
Views: 4,350
Posted By Glasgow Girl

Re: WEP question for Social Security

If you will only receive benefits based upon your spouse’s record, and it sounds like that is the case then you have escaped WEP altogether. Congratulations on that one! Therefore don't delay your UK...
Forum: USA
Jan 17th 2021, 12:09 am
Replies: 11
Views: 673
Posted By Glasgow Girl

Re: Using VPN to watch British TV

I used a VPN the other way around to watch US TV from Europe. I think I used Express VPN, it was free for 30 days, and was fairly straightforward. It is the first link below. Some channels still...
Forum: USA
Jan 15th 2021, 7:23 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

Liquidate to cash. If you want to invest in any kind of shared investment then take the cash and reinvest in regulated US mutual funds (the equivalent of UK OEICs, Unit Trusts and ITs). Any fund sold...
Forum: USA
Jan 15th 2021, 7:04 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

Your maximum exposure is 100% of the Out Of Pocket maximum for medical and vision, less what the company will pay towards your deductible. So if you stay In Network then the exposure is...
Forum: USA
Jan 15th 2021, 5:52 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

The HRA is a Healthcare Reimbursement Account, totally different from a Healthcare Spending Account, HSA. It is important not to confuse them because they are totally different from each other. With...
Forum: USA
Jan 14th 2021, 8:58 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

Strongly recommend you liquidate those savings if you accept the position. You are taxed at the highest published tax rate, not your marginal income tax rate. That is currently about 39% but could...
Forum: USA
Jan 14th 2021, 8:47 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

If planning on staying for more than 6 years then you will need a Green Card. The H1B is only valid for 3 years and can be extended once for 3 more. After 6 years you have to leave the country for at...
Forum: USA
Jan 14th 2021, 7:36 pm
Replies: 6
Views: 397
Posted By Glasgow Girl

Re: IRS Form 3520, FBAR and 8938

I don't think you need to file Form 3520 for tax year 2020, if the total value of the estate was declared on the one you submitted for tax year 2019.

You will have to pay Capital Gains Tax on the...
Forum: USA
Jan 14th 2021, 2:56 am
Replies: 10
Views: 765
Posted By Glasgow Girl

Smile Re: What British Food to Bring

You can buy just about everything on that list online at Amazon.com, or World Markets (also known as Cost Plus is some states). World Markets/Cost Plus has stores all across the US and delivers...
Forum: USA
Jan 13th 2021, 7:58 pm
Replies: 125
Views: 4,413
Posted By Glasgow Girl

Re: Job and life in Boston questions :)

Totally agree. If there is no contract I would run a mile.
Showing results 1 to 25 of 152
 


 
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