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Sara_1982

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Posts posted by Sara_1982

  1. 7 hours ago, Scotty23 said:

    Does anyone have any links to any website where I could search for health insurance??

    Depending on what your husband makes and that you file for AOS so that you are a resident you might be eligible for this http://www.state.nj.us/humanservices/dmahs/clients/medicaid/pregnant/ 

     

    I live in Michigan where it's called MOMS Medicaid and I got that when I was pregnant. I had my temporary green card at the time though.

  2. 19 hours ago, iPod said:

    Since we didn't get any confirmation on this, I have decided to poke around. These linked threads seem to confirm what I suspected. The status change to we've reviewed your biometrics ... means you won't be getting an appointment and they will just use the old ones. Good for the ones who go it!!

     

    https://www.***removed***/forum/showthread.php/238985-We-reviewed-your-biometrics-and-are-still-processing-your-case

     

    That's great news! That's what mine says!

     

    Thanks!

  3. 27 minutes ago, beagle said:

    Indeed....my wife and I have always followed the rules and never tried to trick the law.

    We did the K1 Visa, adjustment of status, removal of condition, always abiding the law, and paid all the fees to the last penny, and the same we would do for my mother-in-law, if it will ever be possible to bring her to the US.

     

    If you've already done adjustment of status and ROC she must have had her GC 3 years already? You can count from when she received her conditional GC and I think you can file for naturalization 90 days before the 3 year mark.

  4. On 1/12/2017 at 7:18 AM, Loki_Go said:

    I work from my home for my birth country of Canada. I have since the first day I moved here on a K1 visa. The biggest piece of advice I'll give you is YOU need to look into your situation, as your company will not be responsible for figuring out your taxes, 401K, health insurance, etc. I work for a huge global company with a big HR company and a team of lawyers and none of them were responsible for looking out for me, and I don't blame them.

     

    My salary is deposited into my Canadian bank. I kept all my accounts/investments open so I could still be paid seamlessly. Since I'm no longer a Canadian citizen I don't qualify for Canadian health care (and when you do your 2017 taxes you'll have to declare you're no longer a Swedish resident) and I now pay for US health coverage.

     

    I pay Canadian taxes on my income and I use a form for exemption from being double taxed on it in the US. I report my Canadian income as foreign income on my US tax return.
     

    As far as investments go, you need to look into what you're entitled to. I had to cash out one particular Canadian investment as I was no longer allowed to benefit from it since I was no longer a Canadian citizen. I now use a self directed savings plan here in the US.

     

    One thing to think about- if you choose to have your wage deposited into a Swedish bank account (and I'm assuming this is what your company will do because it's how they pay their employers) you need to figure out the best way to move that money to you here in the US. For me I have to take a big chunk out each week (I'm paid weekly) by the ATM and take that cash and deposit it into my US bank account. I pay about $4 in service fees each time I do this so I try to do this as few times a month as I can.

     

    You will need a very competent account to do your dual taxes. H&R Block will not cut it. Expect to pay quite a bit for this service... it's all you can really do to be able to live the life of working form home. It's worth it in my opinion.

     

     

    Again, and I can't stress this enough- you need to look out for YOU and not expect this HR department to cover you. It's complicated to do this.

     

     

    Thank you so much for sharing your knowledge and your advise! It helped a lot :)

  5. 1 hour ago, Suss&Camm said:

    Have you officially moved from Sweden? Made your "anmälan till skatteverket som utflyttad"? If you have you can actually apply to not pay taxes in Sweden... I think you should talk to skatteverket about it. There's a link a bit down on this page about it. Doesn't matter if salary is payed in Sweden or not...

    https://www.verksamt.se/driva/anstalla/anstalla-personal-utomlands/anstall-svenska-medborgare-utomlands

     

    Thank you for the link! Yes I have officially moved and am officially "utförsäkrad" in Sweden

  6. 3 hours ago, MikeMikeG said:

    You probably know, but just to throw it out there: benefits like 401Ks, paid vacation, employer's share of social security, sick leave, health insurance, etc are costly employers (anywhere from 20% to 40% on top of the base salary). Add to that whatever they would have to pay a company to set-up and and manage those benefits for you in the U.S... We're talking a lot of money.
     

    I'm not sure if your company would have to pay employer taxes in Sweden, or have to deduct Swedish social security and income tax from your paycheck. I hope not, as that would be a nightmare and cost both of you even more money.

     

    Another thought on the self-employment aspects:  It's a pain to pay taxes quarterly, but not that hard. The main advantage is that because the company you work with doesn't have to spend so much extra money in benefits, etc, that is all extra money in your pocket (an extra 20-40%?) and you can decide how much you save, how much you spend on health insurance, etc. It may also easier to negotiate vacation time. And because they don't have to figure out all the above details and labor laws in the US system, you will likely also start working sooner, and get paid sooner. 

    In Sweden every company pays about 38% extra for each employee so paying the 20%-40% extra according to American standards wouldn't be any higher. Although paying a 3 part company might put it over... And, as you say, if they still have to pay taxes for me in Sweden. 

     

    I was just really hoping not having to have "my own" company and everything that comes with that. I'm starting February 1st so hopefully everything has been figured out by then... ? Thank you for all your help! 

  7. 4 hours ago, MikeMikeG said:

    Hi Sara,

     

    Congrats on the job offer. Have you discussed any of this with the company that hired you? Their HR department may know (or not). 

     

    One possibility (having worked for a French-based company from the US myself) is that you would be a treated as an independent contractor for US tax purposes.. This means your company pays you a certain amount, but you are responsible for complying with your tax obligations, including your state and federal income taxes, self-employment taxes (medicare, social security). Unless you are covered under someone else's health insurance (spouse?) you may need look on healthcare.gov for options, while the ACA still exists. 

     

    Best,

     

    Mike

    Thank you!

     

    They don't really have a HR department. Their finance girl is suppose to take care of it and she asked me to look in to it from my side since I might know more or have contacts since I live here. She was going to look into it from her side. I just want to make sure I'm taken care of in the best possible way since I'm hoping to have this job a long time. ?

     

    It just seams hard to having to have that reaposibility myself (taxes).... At least if I don't have to. And I don't want to loose all the good benefits from being an employee; pension, paid vacation, sick days etc. 

     

    Unfortunately my spouse doesn't have healthcare from his job so I guess AHA would be the way to go. Really hope they don't take it away, or at least replace it before they do with something that's not going to be worse... ?

  8. 3 minutes ago, Suss&Camm said:

    You will not be taxed double, there are tax treaties in place to prevent this. You can get reimbursed for some of the extra tax payed to Sweden when filing in the US. If you file jointly with husband I believe you can get the foreign tax credits. I'm no expert but I know these are there to prevent double taxation :)

     

    Oh well that sounds reasonable ? But will any of my taxes paid go to the US? I want to make sure I'm being a good resident in hope to become a citizen soon ?

    I do file jointly so will def look into that if that's the case. 

    Thanks! 

  9. 5 hours ago, aaron2020 said:

    Unless the company establishes a US subsidiary, you would be employed by a foreign company.

     

    Most likely, you will be paid and taxed in Sweden.  At tax time, you will need to make the conversion to USD, report your income, take tax credits, etc.  (Under the circumstances, I would hire an accountant versed in transborder income taxes.)

     

    You would only get a 401K and health insurance if the company provides them.  It's extremely unlikely that you will get a 401k since they are expensive to establish and run for one person.  A company with one US employee does not have to offer health insurance.

     

    They do not have to follow US laws since you would be an employee of a foreign corporation.

     

    These are things for you to discuss with your potential employer and for them to figure out.  If they want to know what US laws and regulations they must follow in hiring you, then that is a discussion for their US employment lawyer.

    Thank you for you answer! 

    I hope I don't have to pay into Swedish taxes since I'm not going to be able to benefit from that, living in the States. It's also a lot higher over there... So would that mean that I would pay double taxes? Both there and here? Doesn't seam right ?

    Regarding the 401k maybe the best would be if they pay me an extra 5% (which is what they pay their Swedish employees in pension) and I'll save through my bank by myself. This is a really good job that I'm hoping I'll have for a long time and just want to make sure I'm taken care off ?

  10. Hi,

    Sorry if this is the wrong forum. Please move if needed.

    I hope somebody can help or give me some pointers in the right direction. 

    I've been living in the States, Michigan, for a year and a half now. I have my 2 year conditional green card. 

    I've just got hired by a company from my home country Sweden. I will be working from home in the beginning and I'm so far the only "American" employee. 

    What I'm asking is if anyone would know the best way to go about this?

    How they should pay my salary, taxes etc. Can I get a 401k, health insurance?

    How would be the best way for the company to act?

    Hire an accounting firm here in the States who will take care of all of this?

    Could they in that case also recommend 401k and health insurance?

    They should probably follow American employee regulations and policies, how would they know these? 

    This is a dream job for me and really want to be sure that everything is done the right way and that I'm able to get as many benefits as possible. 
    Would really appreciate any help I can get! Thanks you! 
    Sara

  11. I'm from Sweden and why we chose the US was because he has a 7 year old son. They both would have amazing opportunities for a great life in Sweden but his sons mom didn't like the idea of her son moving across the world, which is very understandable. The transition would also be easier for me since I know the language. Even though most swedes know English, it's quite hard to find a job and to fit in to our society without speaking Swedish.

    Maybe later on in life we will move to Sweden. Only time will tell... :)

  12. This might not be an answer to this thread but I feel like everybody just jump on people who don't have joint bank accounts. I understand that it's a trust thing and a big thing but me and my husband have a very bonafide marriage but I (the beneficiary) would never put him on my bank account. He is a recovering drug addict and no matter how much I love him and trust him I would never even give him the option... His salary goes to my account so I guess that would be a trust thing that we have decided between us. I am the one taking care of all the financials. There's a lot of other proofs you can collect for ROC and I will be doing this as well since I will be there within the next year. Insurances, cars, utility bills, power of medical attorney, etc... Hopefully this will be enough... I know every case is different but if they deny me because we don't have joint bank accounts... Well then I guess we will be moving to Sweden... I wish you very good luck on your journey!

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