Your Questions About Uk Banks In Usa

James asks…

UK Or USA? Which is better?

I live in the UK – I am planning on emigrating to the USA

Which Country do you think is better and why?

I have visited America a couple times and travelled all around the Country and loved it – But there are certain things about the UK which I prefer and will miss when I move to America

Do you get Paid Maternity leave in America – How much time off do you usually take off when you have a baby?

How much Holiday entitlement does the average employee receive in the USA

Do you have what we call in he UK ‘Bank Holidays’?

Yes it is a job in an office which deals with transport etc – can’t disclose the name!! I will receive 35K per year.
At the moment I earn 19k a year but obviously if this was in dollars it would be roughly 38k a year so I will actually be earning less in the USA but I hear everythings a lots cheaper there

what is the average cost of living – ie electric, gas, water, taxes, petrol/gas, telephone & interne & food??
is 35k not a lot to earn in a year in the US?

Pip answers:

I live in the US and did live in the UK for a few months, and am relocating for a job.

$35k a year is ok–just ok and it really depends on where you’ll be living. For example, I live in Ft. Lauderdale and with that amount of pay, you will be able to pay your rent, and utilities and all the daily living expenses, You will not be able to do much traveling, going out or shopping unless you are quite good at managing your money and maybe have a flatmate to share living expenses. (THEN, you’ll do well) And even in Ft. Lauderdale, it depends on the neighborhood to know what rent will be.

For example, my son was renting a 1 bedroom 1 bath apt in Hollywood–just an average place in an average area, and he was paying about $800 a month. I’m sure there are less expensive places, but you have to look for them. Electric bills can run an average of $50 a month during the winter when you don’t run the air conditioner and $150 or more in the summer months, when you do use it. And you will need it. The average water bill is about $35-$40 a month and includes rubbish pickup. (I don’t know what a gas bill would run if you have a gas stove and water heater-but it will probably balance out what you save on the electric.)

My regular phone bill, including internet is about $80 a month (and that can vary greatly depending on what services you have) Additionally, television–either satellite or cable service–minimum $65 and up= a month) Food depends on you- you can eat quite cheaply if you cook at home and eat leftovers and shop the sales, and don’t require a steak or such every night. (If you’re really frugal, $50 a week for groceries–maybe less if you budget–and that’s only for 1 person)

We don’t get as much time off from work as workers in the UK. Most places “generally” give a week after 6months of employment (although sometimes only after 1 year) and then an additional week after the year. Then an extra week after 2-4 years, maybe. We average about 9 paid holidays which are different days than the ones in the UK; no “bank holidays” as such. Maternity leave averages 6weeks to 6months, depending on the employer. (and if you work for a largish company, there is the Family Medical Leave Act –FMLA that allows for sick time in special situations)

As for which country is better–well it all depends on what you’re looking for. I work in social services, and the US doesn’t value that so the pay is low. The UK pays better. It is easier and generally less expensive to travel around England than it is within the US. Some things, like clothing iare less $$ in the US.
LIke you, I will miss some things about home in the US, as I got homesick before. But, change is good and life is too short to stay in any situation where you & I feel dissatisfied.
What part of the US will you be relocating to? I will be in Bromley/Orpington. Good luck!

Charles asks…

urgent can someone tell me which UK bank is affilated with usa ” bank of america”?

my american friend is travelling round europe and her bank has got paranoid and shut her card down and she needs to find a UK bank that is affilated with bank of america so she can go into the branch undo the stoppage? oi she is stuffed.she will be going into a branch in the london area if someone knows plzzz asap….
opening an account doesnt help her she needs to get her card unblocked.

Pip answers:

Banks often do that to counter fraud when they see a lot of foreign transactions, and there are no banks here that will enable her to go in and discuss her Bank Of America account. There is a Bank Of America in London, but the laws of the US wouldn’t allow her account to be discussed there anyway. It’s for UK customers only.

My advice would be to go into a phone box in the UK, and tell your friend to call this number
0800 89 0011 (Free, no coins required) to reach AT&T USA operator assistance. Then she should place a collect call to this number: (757) 677 4701 (Bank of America call center). Their website says they will accept the charges. She will have to ask them to unblock her card and confirm some security information.

Steven asks…

Where would you rather live the UK or USA?

I live in the UK – I am planning on emigrating to the USA

Which Country do you think is better and why?

I have visited America a couple times and travelled all around the Country and loved it – But there are certain things about the UK which I prefer and will miss when I move to America

Do you get Paid Maternity leave in America – How much time off do you usually take off when you have a baby?

How much Holiday entitlement does the average employee receive in the USA

Do you have what we call in he UK ‘Bank Holidays’?
I didn’t realise that in America you hardly get any time off!!

At the company I work for I get 22 days paid annual leave which rises to 27 after 5 years of being employed there plus on top of that I get 8 bank holidays paid leave – this is pretty standard in the UK. I also get unlimited sick allowance and get full pay for this
Maternity leave is usually: 3 months FULL PAY then 90% pay for the following 3 months then just statutory maternity pay from the goverment there after which is usually about £120 a week up to nine months. Most people in the UK take off between 6 – 12 months maternity leave.
Some companies don’t offer any paid maternity leave in which case you would just receive statutory pay from the government for 9 months.
In the Uk in April next year the government is making it the law that ALL full time employees receive 28 days full paid annual leave – thing INCLUDES bank holidays – some companies only gave full time employees as little as 20 days a year including bank holidays which meant they were only really getting 12 days annual leave after bank holidays some companies gave even less!!
Also another good thing about living in the UK is the NHS – How does it work in America? Do u have to be in a really good job to qualify for health insurance?
We get free health care but we have to pay for prescriptions about £7.50 per item – also we have to pay for dental care – if you are on benefits or retired you get free dental care and prescriptions – we ALL get free contraception though. The UK subsidise Scotland so they can have free prescriptions and dental care which is totally unfair and backwards because we don’t get this ourselves – we are paying for another country to have this luxury when we don’t get it ourselves – how backwards is that?!
what is the average cost of living – ie electric, gas, water, taxes, petrol/gas, telephone & interne & food??
this is what I currently spends on bills in the Uk and this is considered cheap!

Food: £200 a month
Electric: £50 a month
Internet: £15 a month
Phone: £20 – £30 a month
Council Tax: £75 a month
Rent: £400 a month (including water)
I don’t have a car and i don’t have gas in my house

What would these things cost in the USA?

Pip answers:

I’m an American with a Scottish Wife and a daughter who is american and I prefer Scotland to America any day. Ive been here for ten years so far and had the opportunity to move back last month and with much debate, we aren’t going to move.
Maternity leave it 5 weeks for a c-section and four for a normal birth (at least my company in the US anyway). Too, I would have to work much longer hours and have my holidays cut in half too.
We do go to the US every year, but just for shopping only.
That’s just me though.

George asks…

Can i have a bank account in the UK if I live in the USA?

I work from home and the company is in the UK, and they charge me a fee to transfer money to my bank. Is it possible that even if I live in the USA I can have a UK bank account?

Pip answers:

If you have a valid UK Social Security/National Insurance number and a legal address, and file an annual UK Tax Return…

Laura asks…

If friend sent me money to my UK bank account from his USA bank how long..?

would it take?

Whenever people send money who are in the UK i get it instantly but im unsure if america it would take longer…do you know how long?
I have santander bank

Pip answers:

That depends on the 2 banks, it can be up to 6 days.

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