Re: 大家都如何存錢? - 薪水
By Rae
at 2011-01-19T00:47
at 2011-01-19T00:47
Table of Contents
※ 引述《phillylove (......)》之銘言:
: 讀了幾篇大家對在北美生活的感想,大家對薪水和生活品質都有很多不一樣的看法。
: 很想問問大家都是怎麼安排存錢的?
: 先分享我自己的經驗:
: 我是 2002 年來美國念碩士的。念完之後一路從 OPT -> H1B -> Green Card。
一樣,我2004年來唸書,2008年拿綠卡.
: 現在已經拿綠卡一年半左右,還有三年半才能拿公民。
我也是要等到2013年拿公民,然後就自由了.
: 目前在美國東岸工作,教育類別,在大學當行政人員。一年薪水(稅前)六萬四。
: 薪水比起很多商業界、醫界等等其他領域非常低,不過能走到這一步,都沒靠過別人,
: 我自己已經很感恩。現在很想努力存錢買房子,但是對這樣低的薪水,
: 實在理不出什麼頭緒。看看大家有什麼意見。
: 目前我想到的關於存錢:
: 1. weekday 盡量都帶便當,不在外面吃午飯。所有不需要的花費(例如買咖啡),
: 通通不要花。
太累了.會沒精神做更重要的事.
不能買starbucks,不能shopping,....這樣子的人生,還蠻不美國人的.
: 2. 不買車,用大眾交通工具(我在費城,這點行得通。不過我知道美國其他都市,
: 沒車日子會很難過)。
沒車子,人生的樂趣又少了一部分.
: 3. 401 K 存到上限。
有好有壞.看個人的目的.順便補一下資訊,第一次買房領錢出來不會被罰.
: 4. 利用 pre-tax account 處理所有醫療相關花費。
這是對的,像HSA之類的.教育的費用也是.529 account.
: 5. 每天記帳,隨時監控自己的花費。
收入6萬還要每天監控自己的花費.這成本算有點高.
: 6. 利用學校的免學費優惠(其實一們課還是要付 36% 的稅)在修一個學位?
: 目前有在想,但沒有實際行動。
這是花錢投資自己.看回收.
: 關於開源:
: 1. 兼差?找 part-time job?目前我沒有試過...
兼差在美國很重要.for example.有人在州政府做涼職.年薪6萬整,比你還低.
七除八扣一些州政府工會,退休,保險...剩沒多少.
不過每天上班無所事事,所以,就自己當老板,反正州政府一週才上班四天.
每週一天去他自己分租的小桌子公司上班.做的是報關.第一年淨益17萬.
第二年淨益25萬.但繳稅額一年約1~2萬不等.稅後收入比原來多了十五萬.
加上州政府的本俸吃飯錢6萬,其實是很爽.
也有高中老師兼教職,從原來8萬一年,又多了8萬兼差,但稅後也只多繳了一萬
不到的稅.
開小七,加油站,餐廳,做loan agent, real estate broker, insurance
agent...反正各式各樣都有.最重要的是你稅後真正的收入可以提高多少.
美國生活品質很高是沒錯.但賺錢品質更高.人家週休二日在休息時,
你用一個weekend多賺個一兩千塊也是很正常,因為錢還是蠻重要的.
: 2. 投資?不知道去哪裡學這方面的資訊...
: 大家有什麼意見和看法可以互相交流嗎?
投資,要看哪一種了.中規中矩的生意,或是投機性的在股市期貨選擇權衝一下.
又或者是長期領股息,還是不動產生意.海外投資,你有綠卡,很多規矩要記得
遵守.免得錢沒賺到還要被罰款.
但90%的散戶只適合買基金放著.以我所知道的例子來說的話,比較不會賠.
若有些州加聯邦marginal tax rate到了 40%左右的人,高收益的state
bond fixed income fund會好一些,光是少了40%利息收入的稅,就夠了.
然而,萬一hit到AMT時,就一定得找tax lawyer/CPA想辦法了.不然那個稅算是
白繳的.
==========================================================================
除了首次買房,我再多補幾個從401k拿錢出來不付罰款的方法,這對老美很常見,
詳細操做方式,就要找你自己的會計師或律師:
Immediate and heavy financial need. Whether an employee has an immediate and
heavy financial need is to be determined based on all relevant facts and
circumstances. A distribution made to an employee for the purchase of a boat
or television would generally not constitute a distribution made on account
of an immediate and heavy financial need. A financial need may be immediate
and heavy even if it was reasonably foreseeable or voluntarily incurred by
the employee.
A distribution is deemed to be on account of an immediate and heavy financial
need of the employee if the distribution is for:
1. Expenses for medical care previously incurred by the employee, the employee’
s spouse, or any dependents of the employee or necessary for these persons to
obtain medical care;
2. Costs directly related to the purchase of a principal residence for the
employee (excluding mortgage payments);
3. Payment of tuition, related educational fees, and room and board expenses,
for the next 12 months of postsecondary education for the employee, or the
employee’s spouse, children, or dependents;
4. Payments necessary to prevent the eviction of the employee from the employee’
s principal residence or foreclosure on the mortgage on that residence;
Funeral expenses; or
5. Certain expenses relating to the repair of damage to the employee’s
principal residence.
--
Our Father who art in heaven, hallowed be thy name.
Thy kingdom come. Thy will be done on earth as it is in heaven.
Give us this day our daily bread, and forgive us our trespasses,
as we forgive those who trespass against us,
and lead us not into temptation, but deliver us from evil
--
: 讀了幾篇大家對在北美生活的感想,大家對薪水和生活品質都有很多不一樣的看法。
: 很想問問大家都是怎麼安排存錢的?
: 先分享我自己的經驗:
: 我是 2002 年來美國念碩士的。念完之後一路從 OPT -> H1B -> Green Card。
一樣,我2004年來唸書,2008年拿綠卡.
: 現在已經拿綠卡一年半左右,還有三年半才能拿公民。
我也是要等到2013年拿公民,然後就自由了.
: 目前在美國東岸工作,教育類別,在大學當行政人員。一年薪水(稅前)六萬四。
: 薪水比起很多商業界、醫界等等其他領域非常低,不過能走到這一步,都沒靠過別人,
: 我自己已經很感恩。現在很想努力存錢買房子,但是對這樣低的薪水,
: 實在理不出什麼頭緒。看看大家有什麼意見。
: 目前我想到的關於存錢:
: 1. weekday 盡量都帶便當,不在外面吃午飯。所有不需要的花費(例如買咖啡),
: 通通不要花。
太累了.會沒精神做更重要的事.
不能買starbucks,不能shopping,....這樣子的人生,還蠻不美國人的.
: 2. 不買車,用大眾交通工具(我在費城,這點行得通。不過我知道美國其他都市,
: 沒車日子會很難過)。
沒車子,人生的樂趣又少了一部分.
: 3. 401 K 存到上限。
有好有壞.看個人的目的.順便補一下資訊,第一次買房領錢出來不會被罰.
: 4. 利用 pre-tax account 處理所有醫療相關花費。
這是對的,像HSA之類的.教育的費用也是.529 account.
: 5. 每天記帳,隨時監控自己的花費。
收入6萬還要每天監控自己的花費.這成本算有點高.
: 6. 利用學校的免學費優惠(其實一們課還是要付 36% 的稅)在修一個學位?
: 目前有在想,但沒有實際行動。
這是花錢投資自己.看回收.
: 關於開源:
: 1. 兼差?找 part-time job?目前我沒有試過...
兼差在美國很重要.for example.有人在州政府做涼職.年薪6萬整,比你還低.
七除八扣一些州政府工會,退休,保險...剩沒多少.
不過每天上班無所事事,所以,就自己當老板,反正州政府一週才上班四天.
每週一天去他自己分租的小桌子公司上班.做的是報關.第一年淨益17萬.
第二年淨益25萬.但繳稅額一年約1~2萬不等.稅後收入比原來多了十五萬.
加上州政府的本俸吃飯錢6萬,其實是很爽.
也有高中老師兼教職,從原來8萬一年,又多了8萬兼差,但稅後也只多繳了一萬
不到的稅.
開小七,加油站,餐廳,做loan agent, real estate broker, insurance
agent...反正各式各樣都有.最重要的是你稅後真正的收入可以提高多少.
美國生活品質很高是沒錯.但賺錢品質更高.人家週休二日在休息時,
你用一個weekend多賺個一兩千塊也是很正常,因為錢還是蠻重要的.
: 2. 投資?不知道去哪裡學這方面的資訊...
: 大家有什麼意見和看法可以互相交流嗎?
投資,要看哪一種了.中規中矩的生意,或是投機性的在股市期貨選擇權衝一下.
又或者是長期領股息,還是不動產生意.海外投資,你有綠卡,很多規矩要記得
遵守.免得錢沒賺到還要被罰款.
但90%的散戶只適合買基金放著.以我所知道的例子來說的話,比較不會賠.
若有些州加聯邦marginal tax rate到了 40%左右的人,高收益的state
bond fixed income fund會好一些,光是少了40%利息收入的稅,就夠了.
然而,萬一hit到AMT時,就一定得找tax lawyer/CPA想辦法了.不然那個稅算是
白繳的.
==========================================================================
除了首次買房,我再多補幾個從401k拿錢出來不付罰款的方法,這對老美很常見,
詳細操做方式,就要找你自己的會計師或律師:
Immediate and heavy financial need. Whether an employee has an immediate and
heavy financial need is to be determined based on all relevant facts and
circumstances. A distribution made to an employee for the purchase of a boat
or television would generally not constitute a distribution made on account
of an immediate and heavy financial need. A financial need may be immediate
and heavy even if it was reasonably foreseeable or voluntarily incurred by
the employee.
A distribution is deemed to be on account of an immediate and heavy financial
need of the employee if the distribution is for:
1. Expenses for medical care previously incurred by the employee, the employee’
s spouse, or any dependents of the employee or necessary for these persons to
obtain medical care;
2. Costs directly related to the purchase of a principal residence for the
employee (excluding mortgage payments);
3. Payment of tuition, related educational fees, and room and board expenses,
for the next 12 months of postsecondary education for the employee, or the
employee’s spouse, children, or dependents;
4. Payments necessary to prevent the eviction of the employee from the employee’
s principal residence or foreclosure on the mortgage on that residence;
Funeral expenses; or
5. Certain expenses relating to the repair of damage to the employee’s
principal residence.
--
Our Father who art in heaven, hallowed be thy name.
Thy kingdom come. Thy will be done on earth as it is in heaven.
Give us this day our daily bread, and forgive us our trespasses,
as we forgive those who trespass against us,
and lead us not into temptation, but deliver us from evil
--
All Comments
By Heather
at 2011-01-19T13:03
at 2011-01-19T13:03
By Ina
at 2011-01-23T15:55
at 2011-01-23T15:55
By Kama
at 2011-01-27T05:05
at 2011-01-27T05:05
By Faithe
at 2011-01-30T08:32
at 2011-01-30T08:32
By Dorothy
at 2011-02-02T12:08
at 2011-02-02T12:08
By Tracy
at 2011-02-05T09:06
at 2011-02-05T09:06
By Wallis
at 2011-02-06T03:49
at 2011-02-06T03:49
By Tom
at 2011-02-10T02:56
at 2011-02-10T02:56
By James
at 2011-02-12T10:00
at 2011-02-12T10:00
By Kumar
at 2011-02-13T23:09
at 2011-02-13T23:09
By Tom
at 2011-02-18T04:24
at 2011-02-18T04:24
By Edith
at 2011-02-19T10:16
at 2011-02-19T10:16
By Annie
at 2011-02-20T11:43
at 2011-02-20T11:43
By Valerie
at 2011-02-22T09:01
at 2011-02-22T09:01
By Ida
at 2011-02-22T10:30
at 2011-02-22T10:30
By Genevieve
at 2011-02-23T10:12
at 2011-02-23T10:12
By Edward Lewis
at 2011-02-27T10:11
at 2011-02-27T10:11
By Poppy
at 2011-03-02T07:33
at 2011-03-02T07:33
By Hamiltion
at 2011-03-06T17:26
at 2011-03-06T17:26
By Ingrid
at 2011-03-09T07:40
at 2011-03-09T07:40
By Madame
at 2011-03-09T11:18
at 2011-03-09T11:18
By Bethany
at 2011-03-13T23:56
at 2011-03-13T23:56
By Queena
at 2011-03-18T19:32
at 2011-03-18T19:32
By William
at 2011-03-20T14:08
at 2011-03-20T14:08
By Charlie
at 2011-03-25T02:11
at 2011-03-25T02:11
By Ingrid
at 2011-03-27T08:55
at 2011-03-27T08:55
By Hamiltion
at 2011-04-01T08:04
at 2011-04-01T08:04
By Dinah
at 2011-04-06T07:45
at 2011-04-06T07:45
By Jack
at 2011-04-08T10:51
at 2011-04-08T10:51
By Jacky
at 2011-04-12T19:22
at 2011-04-12T19:22
By Daniel
at 2011-04-15T16:37
at 2011-04-15T16:37
By Tristan Cohan
at 2011-04-15T18:21
at 2011-04-15T18:21
Related Posts
Re: 大家都如何存錢?
By Carol
at 2011-01-18T22:10
at 2011-01-18T22:10
大家都如何存錢?
By Charlie
at 2011-01-18T21:48
at 2011-01-18T21:48
請問紐約市華人公司起薪
By Harry
at 2011-01-18T20:06
at 2011-01-18T20:06
請問紐約市華人公司起薪
By Lydia
at 2011-01-18T10:05
at 2011-01-18T10:05
歐美雇主會注重在校成績嗎
By Aaliyah
at 2011-01-18T05:24
at 2011-01-18T05:24