islab1 wrote:
你的馬六開了6、7萬公里，換個三腳架都捨不得。
你的150+萬是怎麼花的?
繳房貸是置產不算花費，況且你好像是租房子。
再說，美國物價比較低?
LA是在美國沒錯，物價有比較低?
你的護照有沒有蓋過美國出入境章?
哇.. 有人被吐槽了...
台灣花費"可以"比較貴,而且對很多人來說也可能比較貴,因為台灣花錢的地方比較多..但是如果過著類似的生活方式,美國還是貴啦....
聽樓主的描述似乎是學校的工作? 沒有說學校提供其他的福利光看$50K/year也很難判斷... 聽說有的學校的post doc工作還提供全家的宿舍 (以前在美國唸大學的一個post doc學長好像就是全家免費住學校宿舍..還獨棟有院子的哦).. 健康保險也要考慮,自費的話開銷不少... 如果這些大的花費都包了, $50k/year扣完稅4個人過的清淡點還是夠吧...等小孩上K~12免費,老婆也能去找分工作... 既然已經在美國了就看看能不能這樣過,反正也是花錢不見得買的到的經歷...
Personal income tax (California income tax)
California collects income tax from its residents at the following rates.
For single and married filing separately taxpayers:
-- 1 percent on the first $6,827 of taxable income
-- 2 percent on taxable income between $6,828
and $16,186
-- 4 percent on taxable income between $16, 187
and $25,546
-- 6 percent on taxable income between $25,547
and $35,463
-- 8 percent on taxable income between $35,464
and $44,818
-- 9.3 percent on taxable income of $44,819 and
above.
A 1 percent surcharge is collected on taxable incomes of $1 million or more, making California's highest marginal rate 10.3 percent.
For married persons filing joint returns and heads of households, the rates remain the same but the income brackets are doubled.
Year 2008 income brackets and tax rates
| Marginal Tax Rate | Single | Married Filing Jointly or Qualified Widow(er) | Married Filing Separately | Head of Household |
| 10% | $0 – $8,025 | $0 – $16,050 | $0 – $8,025 | $0 – $11,450 |
| 15% | $8,026 – $32,550 | $16,051 – $65,100 | $8,026 – $32,550 | $11,451 – $43,650 |
| 25% | $32,551 – $78,850 | $65,101 – $131,450 | $32,551 – $65,725 | $43,651 – $112,650 |
| 28% | $78,851 – $164,550 | $131,451 – $200,300 | $65,726 – $100,150 | $112,651 – $182,400 |
| 33% | $164,551 – $357,700 | $200,301 – $357,700 | $100,151 – $178,850 | $182,401 – $357,700 |
| 35% | $357,701+ | $357,701+ | $178,851+ | $357,701+ |
An individual pays tax at a given bracket only for each dollar within that bracket's range. For example, a single taxpayer who earned $10,000 in 2007 would be taxed 10% of each dollar earned from the 1st dollar to the 7,825th dollar (10% × $7,825 = $782.50), then 15% of each dollar earned from the 7,826th dollar to the 10,000th dollar (15% × $2,175 = $326.25), for a total of $1,108.75. Notice this amount ($1,108.75) is lower than if the individual had been taxed at 15% on the full $10,000 (for a tax of $1,500). This is because the individual's marginal rate (the percentage tax on the last dollar earned, here 15%) has no effect on the income taxed at a lower bracket (here the first $7,825 of income taxed at 10%). This ensures that every rise in a person's pre-tax salary results in an increase of their after-tax salary, contrary to the popular misconception that being bumped into a higher tax bracket reduces after-tax income.
Claiming deductions may reduce an individual's tax liability by a rate equal to the marginal tax rate of their particular tax bracket, with a corresponding reduction in returns as the individual crosses in to a lower tax bracket. For example, if an individual is able to increase the amount of their deduction by $1000 with a last-minute donation to a charitable organization, and the individual's adjusted gross income is $500 in to the 25% marginal tax bracket, the donation will reduce the tax liability of the individual by ($500 × 25%) + ($500 × 15%) = $200.
daniel910123 wrote:
我是剛到,目前住親戚家,老婆小孩還沒跟來,因我來是當post doc,所以50K算正常,誰叫我來這是拿資歷的!...(恕刪)
postdoc拿50k很好了....是加州的行情特別高還是怎樣？我在東岸這邊第一年的postdoc不到40k，每年調一點調到年資滿也不到50k。相對於美國的平均薪水來說，postdoc算是被壓榨的高級勞工啊。
話說回來50k要養一個家庭負擔真的是很重很重。健康保險是第一要考慮的問題。學校通常會付一部分，好的話甚至可以全付。但是你要保的是family plan，通常都會很貴。要花多少一定要搞清楚，這部份省不掉，也沒辦法省。美國稅很重，不過樓主如果要養全家人，加上小孩子的教育，稅應該是可以減掉不少。至於租房子的錢，倒是可多可少，就看你和你老婆小孩願意做多少犧牲了。
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