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Search: Posts Made By: audi4t
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Forum: USA
Jun 4th 2014, 12:32 pm
Replies: 24
Views: 3,172
Posted By audi4t

Re: Mortgage on L1 in Connecticut

Deposit of less than 20 % requires PMI

Increases cost of loan
Forum: USA
Jun 3rd 2014, 6:52 pm
Replies: 24
Views: 3,172
Posted By audi4t

Re: Mortgage on L1 in Connecticut

10% of what - Ct real estate tends to be priced higher than the nation average.

Million dollar homes are common.

Expect to pay over $350,000 for a 2500 sq ft home in a nice town.

If you are...
Forum: USA
May 23rd 2014, 10:13 am
Replies: 91
Views: 5,378
Posted By audi4t

Re: Young, car loving mechanical engineer. Is the US a good place for me?

It's a myth if you're not part of it, but it is easier in the US for someone to have several cars, a small collection you might say, not because of the price of cars, or the price of petrol, but...
Forum: USA
May 14th 2014, 11:20 pm
Replies: 48
Views: 3,229
Posted By audi4t

Re: US v. Canada on taxes

I repeat - a person intending to start a business assesses the return on their investment / human capital.

If my return is more as an owner I start the business, if not I pass and become an...
Forum: USA
May 14th 2014, 7:47 pm
Replies: 48
Views: 3,229
Posted By audi4t

Re: US v. Canada on taxes

Quoting Warren Buffet - it doesn't matter what the tax rate is if the investment makes sense you do it
Forum: USA
May 11th 2014, 9:50 am
Replies: 31
Views: 2,455
Posted By audi4t

Re: US-style references from a British employer

If u can get one gr8 but US employers usually expect little.

The trend now is to look at your online "paper trail"

Just hope you didn't post stupid stuff anywhere in your youth !!!!!!
Forum: USA
May 10th 2014, 9:42 pm
Replies: 31
Views: 2,455
Posted By audi4t

Re: US-style references from a British employer

OP - U r wrong - US employers are very cautious about giving any more information about current or former employees than they have to.

Basic info only - such as

Yes he / she was an employee
...
Forum: USA
May 10th 2014, 6:32 pm
Replies: 42
Views: 2,642
Posted By audi4t

Re: British Pension

35 years actually 😀

Below is from SS web site:


If you stop work before you have 35 years of earnings, we use a zero for each year without earnings when we do our calculations to determine the...
Forum: USA
May 8th 2014, 9:10 pm
Replies: 1,661
Views: 416,415
Posted By audi4t

Re: UK state pension and USA social security

When determining which source of income to take first in retirement the following issue is often overlooked.

When you die your US and UK SS payments end (your spouse may get a reduced benefit -...
Forum: USA
May 8th 2014, 2:01 pm
Replies: 45
Views: 2,517
Posted By audi4t

Re: Utilities & Banking set up before moving?

Many utilities do not accept credit cards for payment of utility bills.

Regulated utilities are not allowed to subsidize any one group of customers.

Allowing a customer to pay by CC means for...
Forum: USA
May 7th 2014, 3:26 pm
Replies: 6
Views: 738
Posted By audi4t

Re: Salem End Road, Framingham

Framingham Ma is a pretty nice area and close to Boston which is a great City
Forum: USA
May 6th 2014, 9:28 pm
Replies: 0
Views: 389
Posted By audi4t

Spouses of some H-1B visa holders to be allowed work

Saw this on Market Watch


Spouses of some H-1B visa holders to be allowed work http://on.mktw.net/1s0aZES
Forum: USA
Apr 30th 2014, 2:08 pm
Replies: 7
Views: 766
Posted By audi4t

Re: Car options and financing

You can lease a new Scion iQ here in the US as follows - not my choice but if you want cheap reliable transport tough to beat this deal


2014 iQ
$99/MO 36 MONTHS
$3,129 DUE AT LEASE SIGNING[3]...
Forum: USA
Apr 28th 2014, 8:34 pm
Replies: 59
Views: 3,744
Posted By audi4t

Re: Birth Delivery Options- Which Country?

Just an FYI and it's a long way off for the baby.

The US doesn't officially "recognize" dual citizenship - the UK does.

Trivia - Winston Churchill was given honorary US citizenship after WW2 -...
Forum: USA
Apr 24th 2014, 11:31 pm
Replies: 20
Views: 1,510
Posted By audi4t

Re: home owners insurance

Not easy to generalize but seems in the ballpark.

Depends where you are house value replacement cost etc.
Forum: USA
Apr 24th 2014, 1:50 pm
Replies: 23
Views: 1,508
Posted By audi4t

Re: Decline of middle class in USA.

As Marc Twain said

"Figures don't lie, but liars do figure"

The media places whatever spin they want on data that cannot be interpreted in one or two sentences.
Forum: USA
Apr 19th 2014, 9:08 pm
Replies: 52
Views: 3,087
Posted By audi4t

Re: Tech Director Lon > SF relocation questions

IMHO if after 3 months in SF you still can't decide if u want to relocate then I think you should stay in the UK.

My experience has been I know in short order if a place is "right" for me.
...
Forum: USA
Apr 18th 2014, 12:10 am
Replies: 8
Views: 969
Posted By audi4t

Re: Pension Direct Deposit from UK

Correct

BIC is all that's required with your routing number and account number.

IBAN not part of the process and not needed

Just did this starting in January
Forum: USA
Apr 12th 2014, 1:37 pm
Replies: 23
Views: 2,000
Posted By audi4t

Re: New York or Calgary? ($)

I lived in Calgary and it's proximity to the Rockies is the deciding factor.

If u r an outdoor person Calgary is a no brainier.

Calgary is the Canadian oil capital and the cost of living is...
Forum: USA
Apr 8th 2014, 6:11 pm
Replies: 49
Views: 3,245
Posted By audi4t

Re: Hello - looking for long term in US advice

I didn't intend to make this so complicated.

I just intended to show that getting your UK pension paid in the US need not be a difficult process.

I have no control over the financials - my UK...
Forum: USA
Apr 8th 2014, 3:53 pm
Replies: 49
Views: 3,245
Posted By audi4t

Re: Hello - looking for long term in US advice

I'm not sure I fully understand your question but here is a summary of a typical direct deposit.

My former employer uses Citibank in the UK - my bank here is Wells Fargo.

My pension is fixed in...
Forum: USA
Apr 8th 2014, 1:12 pm
Replies: 49
Views: 3,245
Posted By audi4t

Re: Hello - looking for long term in US advice

I just started taking a pension from my former UK employer - very easy direct deposit into my US bank account - current exchange rate and no wire charges to me.

Not yet old enough for UK SS but I...
Forum: USA
Mar 23rd 2014, 5:00 pm
Replies: 10
Views: 2,121
Posted By audi4t

Re: Discount business class fares?

My wife and I are flying business class Atlanta to Stuttgart at the end of May.

120,000 ff miles each - if I paid cash money it would be $7,400 each.

Economy was $1,700 each when I booked the...
Forum: USA
Mar 23rd 2014, 4:52 pm
Replies: 13
Views: 897
Posted By audi4t

Re: Umbrella Insurance

It is possible to get umbrella insurance not linked to your auto insurance.

Ask your insurance agent.

I know I have it.
Forum: USA
Mar 17th 2014, 8:58 pm
Replies: 5
Views: 603
Posted By audi4t

Passport Fees Reduced

Just received this notification from Gov.Uk

News story: Reduction in passport fees for UK citizens overseas
17 March, 2014 at 08:49pm
The passport fee for customers applying for a UK passport...
Showing results 1 to 25 of 39
 


 
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