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Living overseas

Whether you're considering emigrating or an expat abroad, you'll find likeminds on this forum.

Anyone in the US?

21 replies

nannyk · 06/06/2006 10:59

Hi, I'm about to start an 18month internship in Massachusetts. Can anyone offer any advice about taxes, social security numbers, etc? Also, the expat scene? I've been given a bundle of paperwork with loads of info but I would rather talk to a real person about their experiences of living out there :)
TIA

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SofiaAmes · 07/06/2006 05:19

It is as difficult to open a us bank account for a foreigner as it is to open a uk one for a foreigner. I highly recommend opening an account with a uk bank that has us branches before you leave. That way you will have access to money and a bank until you can manage the requirements for a us one. Usually you need something that shows proof of address (like a lease or bill in your name) AND you will need a social security number. If you have a work visa, then you will probably get one as a part of that process. Otherwise, you need to go to your local social security office and apply for one. (Easier than doing the same thing in the uk).

www.craigslist.org is a great american website with pages for most major american cities. It is a great resource for finding apartments, used stuff for the apartments etc. etc.

scienceteacher · 07/06/2006 05:50

When you arrive in the US, you need to go to the local social security office armed with your work visa, passport and anything else you can think of. You fill out the forms there and they process for them in a few days (you can phone up to find out the number before the actual card arrives).

You will need to sort out a driver's license really quickly - the moment you know your Social Security Number. You will have to take a written test and a road test; you will be fine to use your British license until then.

Once you have a Driver's License, you are almost a real person - it is much easier to open accounts, get a mobile phone, etc. with a license.

Expect some difficulties trying to set things up without a SSN, such as renting an apartment and getting utilities connected. If your employer is willing to do anything like this for you, jump at the chance. Banking also requires a SSN, so make sure you have a source of funds to tide you over for a couple of weeks. It's a good idea to make sure that you have internet access to your UK account, and that your bank card will work in the machines over there (there shouldn't be a problem). You can always withdraw money and use cash, which is always welcome.

Taxes are all linked to the Social Security number. You have to pay Federal, State and Local (city and school district) taxes. Taxes are all based on the calendar year, and are taken directly from your paycheck. You have to do tax returns each year, with the Federal one being due 15th April. The first year can be really hard when you are doing your tax return because it is split year and includes your relocation costs. Keep receipts for anything you think will be tax deductable. A lot of Americans pay someone else to do their taxes, but it's getting more popular to use a software package - I use Turbotax for our US taxes and it works well (note to self: 15th June deadline for overseas residents looming fast).

The other major bit of bureaucracy is health insurance. You need to know what your employer will give you and if you need to buy insurance yourself. It is not cheap, but there are ways where you can just buy emergency cover, and pay for individual doctor's and dental visits as you go, etc.

nannyk · 07/06/2006 10:03

Hi, thanks for your advice so far...

I leave for Boston on Saturday, and am very excited!!! I'll be looking after baby twins some of the time, and doing the internship the rest of the time, so a busy and fun time ahead for me!! It's a huge opportunity for me, and I am really looking forward to spending 18 months living over there.

I think my host company are going to arrange all my tax stuff, I don't have to pay the FICA taxes as I am on a J1 visa, but will have to pay State and Federal taxes. It sounds like opening a bank account will be tricky, as I don't drive and therefore don't have a license. Hopefully my passport and proof of address and social security number will do. I will wait til I have my SS number and see how it goes from there. I'm renting a room so all of that is already sorted. I have a UK bank account that I will be using til my US one is opened. I have private health care already set up.

Is there anything else you guys can think of that I haven't covered?

Many thanks for your advice so far :)

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Uwila · 07/06/2006 10:20

If you are a fan of beans, bring them with you. Heinz beans are very difficult to find in the states.

expatinscotland · 07/06/2006 10:28

Bush's baked bean are much, much better, tho. Wink

nannyk · 07/06/2006 10:57

Its funny you should say that Uwila, I am taking over 8 cans of Heinz beans(half my luggage allowance I think!!!!!!!!!) for my bosses as they much prefer them!!!! Also Cadburys fruit and nut as US chocolate apparently is gross. And Fairy washing up liquid too of all things cos Momboss loves it!!!!!!

(Am now wondering if I should have got a psychological profile done of my bosses)

:)

Personally I'm looking forward to Reeses Peanut butter cups, they are scrummy.

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Uwila · 07/06/2006 11:22

You know I could understand all this hype about "American chocolate is gross" if we ewre in Switzerland or Belgium. But, not the UK...

Now let us not forget what goes into a s'mores: a Hershey bar. Do you know what s'mores are? It is roasted marshmallows, HERSHEY bar, smothered betweew two graham crackers.... mmmmmmmmmmmmmm... Give me s'more (some more).

Uwila · 07/06/2006 11:24

Oh oh oh... how old are the kids? Are they young enough for grobags. Because I've never seen grobags in the US and they are the best darned invention for little ones.

expatinscotland · 07/06/2006 11:25

i'm having s'mores tomorrow in fact, as soon as we collect Mama and Papa from the airport and claw their bags open. :o

Uwila · 07/06/2006 12:14

Oh, enjoy! Have one for me.

nannyk · 07/06/2006 14:17

The bubbas are 6 months old and I am indeed taking summer weight and winter weight grobags - I am a huge fan of them too. Maybe I will set up an import/export business while I'm there.

I have tried s'mores and have to concede that they are very moreish. I can already tell it's going to be a nightmare trying to eat healthily over there (thank God I'll spend a couple of hours a day pushing a great big double buggy around!!)

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expatinscotland · 07/06/2006 14:19

My mouth is watering just thinking about that big ass bag of TollHouse morsels she's bringing me, too. They'd better not go all melty in the plane or I'm gonna be pissed.

nannyk · 07/06/2006 14:46

Hey Uwila I just read on another thread you're from Chicago. I worked about 20 miles outside Chicago about 10yrs ago, absolutely loved it in the summer, bugger of a place to live in the winter (think frozen eyeballs as frantically clearing enough snow to get garage door open and car onto road) My boyf at the time grew up in Minn St Paul, and said Chicago winters weren't a patch on his childhood ones up north. I don't want to ever be as cold and snowed in as I was for 4 months in 1996!!! Hopefully Boston won't be quite so bad!

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SofiaAmes · 07/06/2006 18:14

TEA!!!! Don't forget your PG Tips. American tea just isn't the same. And the english brands in america aren't the same as they are in england.

Uwila · 07/06/2006 18:19

Hmmm... I'm from about 20 miles outside of Chicago. Where were you?

Oh... tollhouse..... yummy. But smores are better.

nannyk · 07/06/2006 21:19

Algonquin, near Chrystal Lake and Spring Hill Mall. Would be freaky if you knew it!! :)

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Uwila · 08/06/2006 09:51

I know of it, but don't think I've ever been there. It's up north, and my suburb is West (Hinsdale).

Oh, if you have room, you might want to pack away some of those disposable bottles. I think they are a great invention, although perhaps not so great for the environment. And, perhaps also not worth the room they will take up in your luggage.

nannyk · 08/06/2006 09:57

Hi, I don't think I could fit another thing in my 2 suitcases! I thought I was doing really well with the packing last night, then realised I actually hadn't emptied my chest of drawers!! So, out came everything again, and it's all re-rolled and re-packed. It will explode if I try and open it again I think!!

Typical that I fly off on Saturday, it's going to be 27degrees here. In Boston it's cold and wet!

Am starting to get that nervous excitement/bordering on a stroke feeling about going, and on top of that my family has decided to have a major crisis this week!! Quite frankly I will be glad to get on the plane. (see my thread on relationships)

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Bubblesmum · 08/06/2006 18:09

Just to add, around Boston you will have no problem finding Heinz baked beans (uk style) or Cadburys (UK) chocolate though it can be expensive. Due to large irish community you can find many british food products in the regular super markets (tea / biscuits / HP / choc etc). Check out Stop & Shop / Shaws. Also some small shops in Brighton area that stock a lot of expat food. Wholefoods supermakets excellent food quality too. Harvard Sq has great international newstand to get any international paper and magazines (e.g. Hello). You should have a great time - Enjoy it!

Californifrau · 08/06/2006 18:15

This reply has been deleted

Message withdrawn at poster's request.

nannyk · 17/06/2006 17:09

Hi, well I did it!! I have now been in Boston for a week and I am so lad I came. Its wonderful here (and so is the weather!) and i don't regret leaving behind all that chaos at all! I am sorting out my ss# this week and also will try and open a bank account. My job is going great, and I am really looking forward to spending at least 18 months here :)

Thanks for all your advice :)

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