My 6-month policy isn’t up until June. However, when I last paid it in December, my rate was up 20% from the prior policy.

When I asked, Geico claimed “inflation”. They were still cheaper than any of the others by at least ~$100 per 6 months.

Now I’m anxious to see if it’s going to increase yet again.

Thanks a lot to everyone! I think that the HR people will provide me with all the information, I’ve got the acceptance letter just now, I wanted to know mainly how much fuss will there be with the taxes, they will probably help me with everything.

> if the pay is brutto or netto

US English terms:

brutto = gross

netto = net (gross - various deductions, including taxes).

Pay offered is always gross pay.

Middlewarth bbq.

My car insurance doubled. I switched companies and lowered my coverage a little and it was back to ~2020 prices.

Snyders plain or salt n vinegar

The state doesn’t t set their rates

Utz Wavy in the yellow bag. My local grocery in Manhattan used to sell out.

I never met a bag of potato chips I didn't like, until I tried Middleswarth. Maybe I got a bad bag because I absolutely hated them, but all of this love I'm reading makes me feel like giving them another shot. BBQ seems to be the favorite here so that's my next purchase.

Oh shit that sucks! I've been there multiple times since December so they're definitely open again.

I am currently chowing down on Utz rippled salted chips as I write this. Utz is definitely my favorite.

How would I find the name of a legit independent insurance broker? Just through google?

Absolutely true, but if they’re hiring international interns and providing lodging and transportation, it sounds like they have an established program and do this a lot. They might know more than you think.

Hate when that happens lol

As a j1 you will have 10-15% withheld in taxes (probably 10) and any state and local taxes (literally everywhere is different ). Your employer will the generate a w2 tax document for you to file a return in 2024(this will come in February) you then fill out a 1040 NREZ tax form .taxes forexpats has a good write up on the topic

Most HR employees are not international tax experts.

Working in a different country has International tax implications. You need to hire a CPA, not ask random location based subreddits.

Brain fart

There is a government form called the W-4 that lists the amount of "Deductions" from your pay for income taxes. Your choices there determine the deductions for that.

I'm sure there are some kind of provisions for international guest workers that none of us have any clue about. There's probably better people to ask than us.

>$23/hr would be net income if that’s what you mean. You would make that much before taxes

That's "gross income." "Net" is after taxes.

Honestly, I’d make a list of questions and ask them to HR at the company you’re going to working for. They should at least be able to get some of your questions answered.

When you do get paid, review your pay stub. That will have the details of your pay. Gross pay = $23/hour times the number of hours worked in that pay period. Net pay = amount the check (or direct deposit) is for. This is gross pay minus any deductions Deductions would be taxes (federal, state, and possibly local), Medicare and social security, anything you have to pay towards medical benefits (if applicable)

Since you’ll be working in 2023, you would need to file taxes by April 15th, 2024. Your employer would provide you with a form, called a W-2 that lists out the totals of how much gross money you made, taxes you paid, and any contributions to Medicare and social security.

Herr’s Jalapeño Kettle Chips are my go-to. Grandma Utz is a close second.

My State Farm auto insurance renewal went up by about 15%. The agent said it was part of the state wide hikes, I live in rural PA so I imagine that's why mine wasn't higher.

Middleswarth bbq and Goods

Utz original. Always with sour cream to dip them in. The best handmade restaurant chips are the ones at the Celtic Pub in Smyrna, Delaware.