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The author:(作者)操作成功
published in(发表于) 2013/3/21 2:08:47
An income of $165000 of U.S. households real living standards

An income of $165000 of U.S. households real living standards
American family life: making $165000 tax, housing expenditure of $38500 and $40673 to pay $7500 supplementary pension of $33000, to pay medical insurance, education, travel, $16000 / $13100, $9600 food/miscellaneous, parents/family $5000, so the balance down to just $1628 a year, is almost forced to maintain the balance of payments. And you can see, almost no luxury consumption.
U.S. social security bureau of statistics, in 2010 half the working population earning less than $26400. Mean is for high pay (rermunaration) family of pull, for $39950. In fact 66% of the people is below average. With 2, six thousand basic don't call the federal tax and state tax, of course, but is will pay 7.65% of the social security and medicare. Also enjoy the benefits of food stamps and other low enough.
Bloomberg news agency, he told the story of a medicine woman doctor, her annual income is $125000, arguably completely affordable housing, but because she has a $110000 loan balance, after the financial crisis Banks tightened lending requirements generally in review its finances, thought her debt accounted for the proportion of income is too high, refused to lend to her. The female doctor to buy a house become overwhelmed.
For nearly 30 years, the average annual income less than $40000, a man more than $5000 less than in the 1970 years.
American family annual income was $50502, 2011 years, New York city for only $49461.
The 2012 American housing situation: Haven't house's familyes 33%.
30 - year - old 55% of young people that rent a house to live in the United States.
American young people under 35 home ownership was only about a third.
70 - year - old and 18% have no house in the United States, 29% in mortgage payments.
In 2009, one out of every four American families (24.8%) with a net worth of zero or negative.
Often go to Chinese restaurant, with the boss very well. Today the boss called me, he is a teacher her finger chopping vegetables last month cut off a piece of meat. Went to the hospital emergency department. Hospital did clean the bleeding processing even antibiotics are useless. Yesterday received a bill of $7800. Boss asked me to do something, I can only to financial, with his counselor, the result is $5200. California medicaid now control is very strict, not necessarily can apply for.
This guy is not dark, that is a refuge for a green card, can only be a law-abiding people, honesty to pay money. He really is not as good as the black run also can not find. Chinese restaurant who can give a guy to buy insurance? Los Angeles Chinese restaurant a dime a dozen here, between the restaurant all bloody competition.
Classmate joke on Saturday that the arm bone to break off the broken, then go to the hospital, not a doctor, because there is no life risk, so the doctor will not come, nor to Sunday, so children can only in the hospital, have to wait until Monday to orthopaedic doctor came and poor! ...... But I wonder if it is in China, the patient also can not suck up the hospital?
Elderly health care in the United States, this thing called medicare, there are 4 parts, AB from premium (economic source is 2.5% of the tax, the worker units each pay half, there is salary, threshold 0), the CD is to charge insurance premiums. Even if bought CDS a lot of the time still need to pay. In the hospital, charges 1156 less than 60 days; $289 a day, 61-90 days, more than 90 days of personal payment of 578 dollars a day.
The American college of emergency cases. Someone car accident, just to the United States soon young and foolish to go to the emergency department, from 4 PM until 2 o 'clock at night, see a doctor. Boredom and chat with a row that a big ye waiting for 2 days didn't see a doctor. Immediately after listen to go home, by not accepting what service received bills. As long as you walk into the American college of emergency then you slowly wait. Chest pain, really want to see the doctor earlier. But don't try it, it will come to a pile of checks, $50000 is difficult to come out.
A U.S. emergency patients to check 6 days then make treatment plan for $48900, spending $469 a month to buy health insurance don't accept, because most apply to 2000 dollars a day. Money must be prepaid, no money see a doctor, even if the patient wild goto trembling pain worse.
64 - year - old woman chest pain, an ambulance to a non-profit hospital six kilometers away, this is a general hospital. For three hours of check, briefly saw the doctor. The answer, you eat too much, indigestion, and go home. Due to emergency, don't look at the money, but received a bill of $21000, 995 for ambulance, give the doctor 3000, 170 00 to hospital.
Time magazine of the American medical vomit slot case 5: god said this case first, because it has both good and broken. I doubt journalists and they had been enemies called Steve, and to a Steve, lung cancer late, the man hopes to live a day is a day, the wife Alice meet his requirements. They opened two nurseries, into the $40000 years, the poor one. See a doctor. S death after 11 months, $902000 bills to the deadline! Some people say that the bill would eventually be able to avoid, the fact is not the case. Bankruptcy of many because of medical bills. If you want the government to take over, the family must spend all the money, half bankrupt is due to see a doctor, in which three-quarters have health insurance when they catch diseases.
Turn to 1:
Now is midnight in New York, I in a family hotel near the main street, flushing write some feeling, the first feeling is that the Chinese life here in China in the 80 s, and open sewers, this is flushing Chinese district, Manhattan's Chinatown there is bad, there can be a museum of Chinese in the 80 s in China, in China can't see Chinese craft, can be found here. Watching them streets Shouting, watching them play erhu on the corner, watching them trying to write, look at they stall repair shoes, to see their dress, I really doubted that they know not to know what China now development to the stage, shouldn't they collective choice stagnation?
Flushing, New York and Chinatown Chinese two big, other some colonies XingBuCheng scale, ninety-nine percent of the Chinese people come to the United States must start from here, ninety percent of the people may be a lifetime cannot leave here, here is black, mexicans, here is a typical New York slum, each expression is very gloomy, security is bad, here I just head to New York for a few days, several Chinese newspapers reported in flushing, robbed, Chinese girl walk along brain damage to the ground, two hours nobody tube, the last death. I myself have experienced an old black provocation to me, or in broad daylight in the bus, I'm new here, just when didn't see it, we can only bear ran away.
If you think that is the statue of liberty, New York, is times square, Broadway, is that even though you come to travel, if you want to live, that these places with you don't have a dime relationship, even if your legal status in English super good graduated from famous universities, it is hard to blend in mainstream society in the United States, let alone don't have identity no English skills.
There is also a phenomenon, that is, all Chinese like to keep a secret, that is clearly know oneself condition is very bad, but to smile with domestic people said that the United States is good, it is like a pyramid scheme, everyone tacit weave a lie, listen to the people to the United States, nature is not willing to admit that wrong decision, so crustily skin of head also should carry on, and then to a batch of new... Why is this? Just to say with others, I am in New York?
Also, now the American people are not as friendly as the legendary, especially americans in New York, aligning with quality basic with Chinese people, because decided to mental or substance, the general atmosphere is bad now, americans seem not in the mood to friendly.
Finally personally, I think if you not bad to want rice at home, don't come to the United States, the so-called democracy and freedom, far see is flag, looking nearly is a piece of cloth. Can play to tourism, visit the living fossil of the 80 s, in sorrow for them at the same time, also glad that we have other choice.
Turn to 2:
I have friends in the United States, have to work, start a company, have to go to school, a few drinks, outspoken say now is not the same as before, some come to New York by any bitter, also not to mix on identity, have a good point of dead tired to make a 200000 every year, half the tax, the remaining money pay the rent in eating and drinking, entertainment. No identity belonging insecurity, speaking of the development of the domestic in recent years, their feeling lost many opportunities, can let the everyone's psychological balance, it is not everyone can come here, only a little condescending. After all, at home, talking about setting up a company in New York, still is not sure the number.
Tianya is an open platform, it is already registered, like to watch, because can everyone understand the truth, I don't want to save the who, I just want to want to change destiny, do the so-called American dream, a true situation.
Just called on-call car, talk to the driver, a provincein 80 s, early 90 s, he says, he returned to landscape, then the domestic wages one hundred yuan or so, he was carrying $30000 home New Year's day, then 1:9, do you think about it, how much is 30000 dollars? Absolutely when uncle at home, he said the ship from Shanghai to fuzhou, he do first class every year, is very big, is he a man do, handsome! Speaking of now, the taxi driver to keep shake head, say not line, now back to no superiority, he is American citizen now, monthly rent, hard earned $four thousand, with two children to go to school, although no tuition, but the money is not easy.
I see him with my father's age, think he is married and have children late enough, he was happy in my life? If China didn't develop over the past few years, he is lucky, but China is now 20 years ago?
He also learned that I was a people travel to sign over, said before crossing, hard money come over, then shook his head, as if met last lifetime.
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年收入16.5万美元的美国家庭的真实生活水平
美国年收入16.5万美元的家庭生活：纳税40673美元、住房支出38500美元、缴纳补充养老金33000美元、支付医疗保险7500美元，教育16000美元、出行/交通13100美元、食物/杂用9600美元，父母/亲情5000美元，因此一年下来结余仅1628美元，几乎是勉强维持着收支平衡。而且可以看出，几乎没有任何奢侈的消费。
美国社保局的统计，2010年一半美国劳动人口的收入低于$26，400。平均数则因为高薪族的拉动，为$39,950. 其实66% 的人是低于平均数的。拿2万六当然基本不叫联邦税和州税，但7.65%的社保和医保是必交的。也不够享受食品券等低报待遇。
彭博通讯社就讲述一个药学女博士的故事，她的年收入是12.5万美元，按理完全付得起房贷，但因为她有11万美元的学贷余额，金融危机后普遍收紧放贷条件的银行在审查其财政状况时，认为她的负债占收入的比重过高，拒绝借贷给她。这位女博士买房就变得有心无力。
近30年来，美国成年男人平均年收入一直低于4万美元，比上世纪70年代减少5000美元以上。
美国家庭2011年中位年收入是50502美元，而纽约市仅仅为49461美元。
2012年美国住房情况：无房户33%。
美国30岁年轻人55%都在租房住。
美国35岁以下青年拥有住房的仅为三分之一。
美国70岁老人还有18%没有房子，29%在还房贷。
2009年，每四个美国家庭中就有一个（24.8%）的净资产为零或者是负数。
经常去的中餐厅，跟老板很熟。今天老板打电话给我，上月他一个师傅切菜把手指切掉了一块肉。去了医院急诊。医院做了清洁止血处理连抗生素都没用。昨天收到账单7800美元。老板求我想想办法，我只能带着他去跟financial counselor谈，最后结果是付5200美元。加州现在medicaid控制很严，不一定能申请上。
这个伙计不是黑下来那种，是办避难绿卡的，只能做良民，老老实实交钱。他真的还不如黑下来那种跑掉也找不到的。中餐厅谁会给伙计买保险？ 洛杉矶这里中餐厅多如牛毛，餐厅之间都竞争的血淋淋的。
同学周六闹着玩把大臂骨头掰断了，然后去医院，没有医生，因为没有生命危险，所以医生就不会来，周日也不来，所以孩子就只能在医院，要等到周一才能有骨科大夫来，可怜!……不过我在想这要是在中国，那患者还不得把医院咂了？
美国老年医疗，这东西叫 medicare，有4部分，AB免保费（经济来源是2.5%的专门税，职工单位各交一半，有工资就交，起征点0），CD是要收保费的。就算买了CD很多时候自己还是要付钱的。住院，少于60天收费1156；61-90天，每天289美元，超过90天的每天个人支付578美元。
说个美国急诊案例。某人车祸，刚到美国不久年幼无知去急诊，从下午四点等到夜里2点，见不到半个医生。无聊和同排的聊天，得知一大爷等了2天了没见到医生。听后立即回家，因没有接受啥服务倒没收到账单。只要自己走着进去美国急诊的你就慢慢等吧。实在想要早看到医生装胸痛，。不过千万别试，那样会来一堆检查，没5万美元难以出来
美国一急诊患者检查6天然后制定治病计划要价48900美元，每月花469美元买的医保不收，因为一天最多报2000美元。钱必须先预付，不见钱不看病，哪怕病人病情恶化狂冒冷汗发抖疼痛。
64岁妇女胸痛，救护车送到6公里外的非营利医院，这次是普通医院。做了三小时的检查、短暂见了下医生。答案，你吃太多了，消化不良，回家吧。由于去的是急诊，不用先看钱，但是收到账单21000美元，救护车995，看医生3000，17000给医院。
时代周刊美国医疗的神吐槽案例五：先说这个案例，因为它既有好事也有破事。我怀疑记者和叫Steve的有仇，又来一个Steve，这人肺癌晚期，希望能多活一天是一天，老婆Alice满足他要求。他们家开托儿所，年入4万美元，穷人一枚。看病。S 11 个月后去世，账单到截稿时90.2万美元！有人说这账单最终可以赖掉，事实并不是这样的。破产的很多都是因为医疗账单。如果要政府接手，家里的钱必须花得一干二净才行，有一半破产者是因看病，其中3/4得病时是有医疗保险的。
转1：
　　现在是纽约半夜12点多，我在法拉盛缅街附近的一个家庭旅馆写些感慨，第一个感受是，这里的华人整个生活在中国的80年代，脏乱差，污水横流，这还是法拉盛的华人区，曼哈顿的中国城那边就更是差了，那里可以成为中国80年代华人的博物馆，在大陆看不见的华人手艺，在这都能找到。看着他们满街吆喝，看着他们街角拉二胡，看着他们摆摊写字，看着他们摆摊修鞋，再看看他们的穿着，我真都怀疑，他们知不知道中国大陆现在发展到什么阶段了，难道他们集体选择停滞了？
　　法拉盛和唐人街是纽约华人的两大聚集地，其他的还有一些聚集地形不成规模，百分之99的华人来美国都要从这里开始，百分之90的人可能一辈子离不开这里，这里充斥着黑人，墨西哥人，这里是典型的纽约贫民窟，每个人的表情都很阴郁，这里的治安也差，我刚到纽约头几天，几个中文报纸都在报道法拉盛地区，一个华人女孩走夜路被抢劫，脑部重伤倒地，两个小时无人管，最后死亡。我自己也亲身经历了一次老黑对我挑衅，还是大白天的做公交，我初来乍到，就当没看见吧，忍忍躲开了。
　　如果大家认为纽约就是自由女神像，就是时代广场，就是百老汇，那你尽管来旅游吧，如果你要来生活，那这些景点跟你没一毛钱关系，即便你合法身份英文超级好名牌大学毕业，也很难融入美国的主流社会，就更不用说没身份没英文没技能的人了。
　　这里还有一个现象，就是所有华人好像都共同守着一个秘密，那就是明明知道自己状况很惨，却强颜欢笑跟国内人说美国好，这非常像传销，大家都心照不宣的编织着一个谎言，听信的人千辛万苦来到美国，自然不愿意承认选错了决定，于是硬着头皮也要扛下去，然后再来一批新人。。。这是为什么呢？就为了跟别人说，我在纽约吗？
　　还有，现在的美国人也不像传说中的那么友好了，尤其是纽约的美国人，素质基本跟国人看齐了，因为还是物质决定精神，美国现在大环境不好，美国人好像没心情友好了。
　　最后我个人觉得，如果你在国内不至于惨到要饭的地步，就不要来美国了，所谓的民主自由，远看是面旗帜，近看就是一块布。来旅游玩玩可以，参观参观我国80年代的活化石们，在替他们悲哀的同时，也庆幸我们还有其他选择。
转2：
　　我在美国有朋友，有打工的，有开公司的，有上学的，几杯酒下肚，都直言不讳的说现在跟以前不一样了，有的来纽约什么苦都遭了，还没混上身份，有好点的一年累死赚个20万，还要上一半的税，剩下点钱交房租吃喝，不敢娱乐。没有认同感没有归属感没有安全感，说起国内这几年的发展，他们感慨失去了很多机会，能让大家心理平衡的是，这里目前还不是每个人都能来的，仅存的一点优越感吧。毕竟在国内，说起在纽约开公司，还是很令人搞不清底细的。
　　天涯是个开放的平台，很早就注册了，喜欢看，就是因为可以多角度了解事实，我不想拯救谁，我只想给想来改变命运的，做着所谓美国梦的人，一个真实的现状。
　　刚才叫电召车，跟司机聊天，一个80年代的福州人，他说90年代初期，他回国可风光了，那时国内工资才一百元左右水平，他当时拿3万美金回国过年，那时1:9的汇率，你想想，3万美金是多少钱？在国内绝对的当大爷，他说当年上海到福州的大船，他每年都做头等舱，很大，就他一个人做，气派！说起现在，这位的哥直摇头，说现在不行了，回去没优越感了，他现在是美国国籍，每月开出租，玩命开能赚到四千美金，有两个孩子上学，虽然没学费，可这点钱还是不轻松。
　　我看他跟我父亲年龄差不多，想想他结婚生子够晚的，这辈子他幸福吗？如果中国这几年没发展，他是幸运的，可中国现在还是20年前吗？
　　他也在得知我是个人旅游签过来的时候感叹，说这在以前得偷渡，花钱玩命的过来，说完摇头，恍如隔世。
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