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我美国的亲戚关于最近美国就业情况的答复
www.totoolaw.com 2003-1-3 土兔法律网
他在波士顿一家电脑公司工作。
Shen,
I'm in a totally different field, so I know nothing about the law
profession. But what the paper talked about is very true even for
the high tech field. I can only speak from my own profession:
computers and telecommunication. It's a different world compare
to just two years ago. Many of my co-workers and friends are out
of job now, of cause most of them are in the field of telecommunication,
the hardest hit profession in this recession. The problem is
nobody knows when the recession will end. Ten years ago,
there was a recession, and it took well beyond 5 years for
the economy to fully recover. But on the other hand, sooner or later
the recession will have to end and a new cycle will begin.
Time is bad right now.
Nobody can predict the future. If you decide not to come to US
to get your degree, you might regret later. But if you do, I really
don't know if it will worth it from money point of view, it'll depend
on the economy of the next few years and beyond. Sorry I cannot
be that helpful in this regard.
BiBi
Our income is high because we have over 12 years of experience
in the US, we started work in 1989 and 1990. Plus we are in the
high tech industry and is well paid. Our annual income is around
$80,000 for each of us, more or less.
Our tax rate for the federal is usually 36% or 39%, depending
on how much capital gains or losses we incur in the year. Of cause,
the federal tax rate for everyone starts at 15%, then goes to
28%, 31%, 36%, 39%, depend on the person(s) total income of the
year. Most people would fall into the 28% category.
The social security tax and Medicare tax together is around 10% (only
citizens and greencard holders need to pay).
The state tax for our state is 5% - 6% for regular income and 12%
for capital gains.
The real estate tax for our town is very very high because we have a
good school system, I don't know the rate. It depend on the value
of the property. Fortunately, we have a small house.
Then there is 10% of money goes to the retirement system, and some
percentage goes to our kids' collage savings account. We had to start
their collage savings as soon as they were born, otherwise we wouldn't
afford to send them to collage when they graduate from high school.
Of cause they'll have to borrow money (student loan) when they go to
collage because our savings are probably not enough for 4 years of
collage for both of them. Most US collage students have student loans.
It's very common. Then they'll pay off the loan when they graduate and
start to work. Most US students also have part jobs while in school,
including some high school students.
The rest of our money goes to our house (mortgage), our cars, insurance
for all of us, the house, and the cars. Then it's every day living expenses.
That's a glance into our financial situation. So as long as both of us can keep
our jobs we are OK.
BiBi
原作者:alenshen
来 源:www.totoolaw.com
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