Posachedwapa, blog ya Parallels corporate idasindikizidwa , kumene malipiro a omanga Kumadzulo anaperekedwa ndi mawu akuti “mulimonse mmene zingakhalire, malipiro a ku Russia sakufikabe ku Ulaya.” Kukumana kaŵirikaŵiri ndi anthu mosankha bwino kwambiri kuyerekezera moyo wa Peter Pig ndi amene sanachoke kunandisonkhezera kunena zowona za moyo wa ku United States kuchokera mkati. Cholinga cha positiyi ndi kukulimbikitsani kuti mugwirizane ndi nkhaniyi mokwanira ndikufanizira maapulo ndi maapulo, m'malo moyerekeza mfundo ndi mfundo zomwe zili zopindulitsa ndikunyalanyaza mbali zina zofunika. Ngati mukuwona kuti pali zolemba zina m'nkhaniyi, chonde tsatirani mfundo yakuti "Chukchi si wolemba" ndipo, ngati n'kotheka, musanyalanyaze.
Moyo wa tsiku ndi tsiku
Kuti ndisathamangire ku calculator mu quarry, ndikufuna kugawana kaye zowona za moyo watsiku ndi tsiku ku States. Komabe, osati ndalama ndi ntchito chabe.
Chodzikanira: Zomwe zili m'munsizi sizinapangidwe kuti ziyimire ndipo zimachokera ku zaka ziwiri zakukhala ku Bucks County, PA ndikuchezera New York City pafupipafupi. Monga mlendo, ndinapita kumadera khumi ndi theka.
Misewu ndi magalimoto
Anthu ambiri amaphatikiza America ndi misewu yayikulu komanso zothirira makilomita asanu. Ndipo kulungamitsidwa ndithu. Chifukwa chake, ndimawona kuti ndi koyenera kuti ndiyambe nkhani ya moyo watsiku ndi tsiku m'maboma ndi mutuwu.
Misewu, zizindikiro, oyendetsa
Pakati pa zabwino zoonekeratu, ndikufuna kuwunikira zinthu zingapo. Choyamba, mphambano zambiri za misewu yachiwiri zimakhala ndi zizindikiro zoyimitsa m'malo mwa magetsi, pomwe dalaivala ayenera kuyima ndikupitiriza kuyendetsa galimotoyo poyamba. Izi zimachepetsa magalimoto, ndipo nthawi yomweyo palibe chifukwa chodikirira chizindikiro chobiriwira pamtunda wopanda kanthu. Kupitiliza mutu wodikirira magetsi apamsewu, ndikufuna kukumbukira kuti m'maboma amasinthasintha: pamasitima okhala ndi nyali zowunikira nthawi zambiri pamakhala kamera yomwe imayang'anira nthawi yogwiritsira ntchito siginecha yobiriwira kutengera kuchuluka kwa magalimoto mbali iliyonse. . Ubwino wina wosatsutsika ndi kukhalapo kwa misewu yodzipatulira yokhotera kumanzere ndi kumanja - ndizabwino mukatha kuyendetsa mumsewu wakunja osaganizira kuti muyenera kusintha mayendedwe musanayambe mphambano chifukwa pali mzere wokhota. Ubwino wa misewu ndi vuto lalikulu. Zimasiyanasiyana m'madera oyandikana nawo. Poyerekeza ndi misewu ya St. Petersburg, ndizoipa kwambiri. Tikayerekeza pafupifupi chipatala, ndimakhulupirira kuti ndi bwino, ngakhale kuti ndilibe chitsanzo chokwanira pakuyenda ndi galimoto ku Russia. Komanso, ndikofunika kudziwa kuti pali ziwawa zochepa kwambiri m'misewu ya nsanjika imodzi ya ku America (koma Mulungu akuletseni kukafika ku New York City). Zitatha izi, m’misewu ya St.
Kumbali ina, ubwino womwewo womwe waperekedwa pamwambapa umakhalanso ndi vuto la ndalama. Mwachitsanzo, kusinthasintha kwa magetsi apamsewu kumachita nthabwala yankhanza ngati mutakwera njinga. Mutha kuyembekezera wobiriwira wanu mpaka mutakhala wabuluu pamaso, chifukwa kamera mopusa sikukuwonani. Komanso, sindinawone chiwonetsero chowerengera pamagetsi apamsewu, chomwe ndimakhulupirira chifukwa cha kusinthika kwawo. Ndizokhumudwitsa kwambiri kuyendetsa 60 mph, kuwona kuwala kwachikasu kukuwonekera mwadzidzidzi, ndikuyesera kudziwa ngati muchepetse kapena kuthamanga. Kudekha kwa madalaivala kungathenso kukwiyitsa: kuchulukana kwa magalimoto nthawi zambiri kumachitika chifukwa cha anthu omasuka kwambiri kapena madalaivala amadutsana mwaulemu pampata wa misewu. Koma ine ndikuganiza kuti vuto lalikulu kwambiri ndi kusowa kwa kuyatsa. Nthawi zambiri pamakhala kuwala kocheperako komwe kumapachikidwa pamphambano, koma apo ayi kulibe. Ayi. Ndipo ndi bwino ngati mukuyendetsa magalimoto, kumene nyali zamagulu a magalimoto nthawi zambiri zimakhala ndi kuwala kokwanira. Koma msewu wopanda kanthu usiku mumvula umasanduka malo osasangalatsa komanso owopsa.
Mutu wosiyana ndi anthu oyenda pansi ku America yansanjika imodzi. Choyamba, madalaivala, mwa lingaliro langa, amaiwala za kukhalapo kwawo ndikudikirira kuti adutse podutsa oyenda pansi ndi ntchito yosayamika. Kachiwiri, zosintha zokha ndi chinthu chosowa. Koma chodabwitsa kwambiri kwa nzika yaku Europe ndikuti palibe njira zoyenda pansi m'malo ambiri. Pakapita nthawi, mumazolowera kuyenda m'mphepete mwa msewu, koma poyamba kumayambitsa kusapeza bwino.
Malo oimika magalimoto
Chifukwa chakuti n'zosatheka kukhala mu America-nsanjika popanda galimoto ndipo aliyense amamvetsa izi, zonse zili bwino ndi kuyimitsidwa m'deralo. Mumayiwala msanga momwe zimakhalira kupeza malo oimika magalimoto pafupi ndi nyumba kapena ofesi yanu. Ndipo kuwonjezera pa izi, malo ambiri amapangidwa kuti azitha kuyendetsa galimoto yonyamula katundu, ndipo motero, mu sedan yapakatikati mukhoza kuyimitsa pafupifupi diagonally popanda kusokoneza aliyense.
Koma, popita ku mzinda uliwonse, nkhani yoimika magalimoto iyenera kusamaliridwa pasadakhale. Pali malo oimika magalimoto mumsewu, komwe nthawi zambiri simungasiye galimoto yanu kwa maola ochulukirapo, kapena malo oimikapo magalimoto apagulu, mitengo yake imatha kusiyana kwambiri: kuchokera ku $ 10 patsiku ku Philadelphia mpaka $ 16 pa theka la ola ku NYC.
Kuyimitsa magalimoto pamwezi ku Philadelphia kumayambira $200, ndipo ku NYC, konzekerani kutulutsa $500.
Kuphwanya malamulo: apolisi, chindapusa, mfundo
Tsiku lina ndinali kuyendetsa galimoto yanga ya Mustang kupita kumsonkhano. Msewu ndi maola atatu, nyimbo zikuyimba, ndipo V8 imayenda mosangalala pamene slipper ikankhidwira mkati. Chabwino, chopondapo cha gasi chimakanikizidwa mozama kuposa momwe amaloledwa. Ola limodzi ndi theka - zonse zili bwino, ndili patsogolo pa nthawi, pamene mwadzidzidzi galimoto imadumphira m'mphepete mwa msewu mwadzidzidzi pagalasi lakumbuyo, ndipo magetsi akuyaka. Mutu wanga ukuchita mantha ndi mafilimu aku Hollywood ndi zomwe ziyenera kuchitika. Chizindikiro chokhotera kumanja, imani m'mphepete mwa msewu. Wapolisi wovala ngati sheriff komanso atavala chipewa choweta ng'ombe kumutu akuyandikira kuchokera kumanzere. "Kodi mukudziwa kuti mudaphwanya malamulo a Maryland?!" - Major Payne amabangula ngati msirikali. "Ndalakwa" ndi chinthu chokha chomwe chimabwera m'maganizo mwanga. Zolemba kwa mkuluyo, mphindi ziwiri zodikira kuti agunde chinachake m'galimoto yake, ndi voila - pepala la pulasitiki la A4 ndi chithunzi chosasangalatsa cha $ 280 chabwino kwa 91mph ndi kulekerera kwa 65mph. Ndipo kalata yowoneka bwino yomwe ili ndi mutu wakuti State of Maryland vs Pavel *** patatha sabata imodzi. Koma ngati izo zimangotengera chindapusa. Kuphwanya malamulo m'maiko ambiri kumabweretsa mfundo zomwe zimakulitsa mtengo wa inshuwaransi yanu. Zitachitika izi, ndimayang'anira liwiro langa mosamala kwambiri.
Chokhacho "koma" m'nkhaniyi ndikuti m'maiko ambiri makamera ojambulira ophwanya liwiro amaletsedwa kapena sagwiritsidwa ntchito. Chifukwa chake kudziwa malowa komanso komwe kuli magalimoto apolisi kumathandizira anthu ammudzi kuti azigwira nawo ntchito nthawi zambiri.
Ntchito yamagalimoto
Mwanjira ina china chake choyipa chidachitika kugalimoto yanga: gearbox idafa. Mwamwayi, pogula Mustang yogwiritsidwa ntchito ndi GT index, ndinamvetsetsa kuti sizingatheke kuti imayendetsedwa kumalo ophika buledi ndi tchalitchi, ndipo motero ndinagula chitsimikizo chowonjezereka kuchokera ku kampani ya chipani chachitatu. Pitani kwa wogulitsa Ford wapafupi, fotokozerani nkhaniyi, perekani galimoto ndi mgwirizano wa chitsimikizo. Zikuwoneka kuti zonse zili bwino: sabata ndipo zonse zidzakonzedwa. Koma ayi, kupitirira mwezi umodzi wa nthawi yowonongeka, kubwereza kangapo ndi zolakwika kuchokera ku kampani ya chitsimikizo ndi wogulitsa, zomwe zinatha ndi kufunikira koitana woyang'anira wamkulu ku Ford ndikulonjeza kuti adzakhudza maloya. Kotero, kuposa mwezi umodzi wa mitsempha ndi funso lovuta kwambiri: chifukwa chiyani utumiki waku America uli bwino kuposa wathu?
Ngozi zapamsewu, liwiro la kuyankha kwa apolisi ndi ambulansi, kuthamanga kwa malipiro kuchokera ku kampani ya inshuwalansi
Tsiku lonse lolankhulana ndi kasitomala, dera lamasamba, ulendo wobwerera kunyumba pamayendedwe a penshoni. Galimoto yamphamvu yopanda zida zamakono komanso mvula. Chotsatira chake ndi skid ndi kuima bampu. 9-1-1. Mphindi zisanu kuchuluka ndipo apolisi ndi ambulansi ali kale pano. Kupanga protocol, kukana kugonekedwa m'chipatala mwa kusaina pa iPad - mphindi 15. Galimotoyo imatengedwa ndi galimoto yokokera, yoitanidwa ndi wapolisi, kupita kumalo oimikapo magalimoto ogwirizana. Mukafika kunyumba, lembani fomu yofunsira patsamba la inshuwaransi. Mayankho angapo a mafunso pafoni, sabata yodikirira ndi cheke cha chipukuta misozi cha kutayika kwathunthu ndi chiwerengero chapamwamba kuposa mtengo wogula. Funso lotsutsana nalo: chifukwa chiyani apolisi athu apamsewu ndi makampani a inshuwaransi sangagwire ntchito mwachangu?
Malingaliro agalimoto
Maganizo a anthu aku America pa magalimoto ngati zinthu zodyedwa ndi zachilendo kwambiri. Zikanda, mano - palibe amene amalabadira. Mukuyenda, mukuwona Aston Martin watsopano wokhala ndi ma bumpers osokonekera, ndipo m'mutu mwanu muli dissonance. Ntchitoyi imakhala yosintha mafuta, mapepala ndipo ndizomwezo. Magalimoto ambiri onyamula mafuta omwe ali oyenera kunyamula tanki yamafuta pa ngolo. Magalimoto aku Germany akuyembekezeka kukhala okwera mtengo kuposa masiku onse, ndipo mtundu wamagalimoto aku America umasiya zambiri.
Misewu yolipira
Nthawi zambiri pamakhala chiphokoso chowoloka milatho, ndipo nthawi zambiri pamakhala zolipiritsa zambiri. Pali chindapusa cholowera ndikutuluka ku NYC. Mwachitsanzo, Lincoln Tunnel imalipira $16 kuyenda.
Zamagalimoto
Nkhani imodzi yaku America
Chilichonse pano ndi chatsoka. Palibe zoyendera za m'deralo. Inde, mabasi am'deralo amayenda kamodzi pa ola, koma m'misewu yotere yomwe idzatenga nthawi zonse kuti ifike pamalo omwe mukufuna. Sitima yamagetsi yamagetsi sikuyenda bwino. Njira za anthu oyenda pansi nthawi zambiri zimakhala m'malo akale kapena m'malo osauka. Chifukwa chake, kusiyidwa wopanda galimoto komanso kukhala kutali ndi masitolo ndi malo okhala ndi anthu sikusangalatsa.
Masitima amathamanga pakati pa mizinda, nthawi zambiri amavala bwino. Kuchokera ku Trenton / Princeton kupita ku NYC zimatenga pafupifupi ola limodzi ndi theka kwa $16.75 (NJ Transit). Kapena ola limodzi $50 (Amtrak). Ndipo poyimitsa magalimoto pamalo okwerera muyenera kulipira $6 patsiku. Njira yotsika mtengo ndi mabasi oyenderana, koma kusunga nthawi kumakhala kokayikitsa.
Mizinda
NYC, DC, Boston, San Francisco - zonse zili bwino kwambiri. Kenako, kugwiritsa ntchito NYC monga chitsanzo. $ 2.75 paulendo pa metro, palibe zodutsa. Chosangalatsa cha metro ndi kupezeka kwa masitima apamtunda. Amangoyima pamasiteshoni akuluakulu ndipo, ngati kuli kofunikira, amayenda mtunda wautali, amapulumutsa nthawi. Kumbali ina, metro ndi yakuda kwambiri komanso yosakhazikika. Nthawi zambiri pamapeto a sabata madzulo chinachake chimawonongeka kwinakwake, ndipo mukhoza kuyembekezera sitimayo mpaka kubweranso kwachiwiri. Ndizovuta kuyenda pamayendedwe apamtunda chifukwa cha kuchuluka kwa magalimoto. Sindikudziwa amene amayenda pagalimoto ku NYC - onse openga komanso oyenda pansi omwe amanyalanyaza magetsi apamsewu.
Chilengedwe
Kusiyanitsa
Mfundo yakuti United States ndi dziko lomwe lili ndi kusiyana kwakukulu pakati pa osauka ndi olemera zimawonekera m'maso. Malo oyandikana nawo amzindawu amatha kukhala osiyana kwambiri: mumawoloka msewu, unali wokwera mtengo komanso wolemera, ndipo tsopano pali nyumba zokhala ndi mazenera ndi zilembo zaku Africa-America, pomwe miyendo yanu imayamba kuyenda mwachangu. M'dera lina, pakhoza kukhala Bugatti Chiron pafupi ndi wometa tsitsi ndipo aliyense akumwetulira wina ndi mzake, koma m'tawuni ya 10 mphindi kutali pali umphawi, anthu opanda pokhala, chiwonongeko ndi kuwombera.
Mizinda
Mizinda ya ku United States ndi yosiyana kwambiri ndi ku Ulaya. Choyamba, iwo ndi oipa. Chachiwiri, ndi auve ndipo kumeneko kuli anthu ambiri opanda pokhala. Mukuyenda pambuyo pa St. Chachitatu, kukhala m'menemo kumakhala kokwera mtengo kapena kosasangalatsa. Kubwereketsa situdiyo m'malo abwinobwino a Manhattan kumayambira pa $ 3k pamwezi. Kugula chipinda chimodzi - kuchokera pa $ 500k ndi kuchotsedwa pamwezi pamisonkho ndi kukonza, zomwe zitha kukhala zoposa $1k. Misonkho yam'deralo m'mizinda ndiyokwera kwambiri. Chakudya chikuyembekezeka kukhala chokwera mtengo. Kusowa madera obiriwira. Kukhala ndi banja kumakhala kofooka. Pali malo ambiri amene amanunkhiza chamba, moti mungasangalale mukangodutsa.
Nkhani imodzi yaku America
Pali nyama zambiri zomwe siziopa anthu. Agologolo, nswala, akalulu, mbira, skunks. Zabwino kwambiri komanso zokongola. Komabe, kukongola konseku kumakondanso kuthamangira panjira, zomwe sizimayambitsa kutengeka kosangalatsa.
Nyumba zamakono zimamangidwa ndi ndodo ndi plywood. Kuphatikizapo zipinda zitatu ndi zinayi. Inde, izi zimachitika mofulumira kwambiri, koma kuphatikiza ndi madera ang'onoang'ono kumene grill yokha ingakhoze kuikidwa, mtengo umadzutsa mafunso. Ndipo mtengo wanyumba m'tawuni iliyonse ku Pennsylvania / New Jersey nthawi zambiri umayamba pa $500k.
Maganizo
Mfundo yoyamba ndi yaikulu ndiyo kulolerana. Izi ndi zabwino, koma mbali zina zingakhale zachilendo. Chitsanzo chophweka kuchokera ku maphunziro ku chipatala chachikulu ku NYC:
Kupatsidwa:
Philip ndi mwamuna wachiwerewere yemwe amagwira ntchito ku dipatimenti ya zachuma. Kangapo mwezi watha, adamva anzake angapo akukambirana zotsutsana ndi ukwati wa amuna kapena akazi okhaokha pamene anali kuyembekezera kukwera (ndipo Filipo amangodutsa).
Funso:
Kodi Philip ali ndi ufulu wokapereka madandaulo kwa oyang'anira okhudza kuzunzidwa?Yankho lolondola ndi lakuti:
Inde. Zilibe kanthu kuti ndemanga za anzake a Philip sizinalunjike kwa iye. Philip ayenera kufotokoza izi kwa HR ndi Regulatory Affairs.
Chigawo cha African American cha anthu ndi achindunji ndipo chingakhale chosasangalatsa kwambiri. Pali mitundu yambiri yosiyanasiyana, iliyonse yomwe imafunikira njira yakeyake.
Kugwira ntchito kunyumba, palibe ogwira nawo ntchito
Zomwe ndakumana nazo zikuwonetsa kuti ntchito zakutali ndizofala kwambiri. Chifukwa chake, simungawone anzanu kwa miyezi ingapo.
Kugula pa intaneti ndikugula chilichonse pa Amazon, bweretsani ndikusiyidwa pakhomo panu.
Pokhapokha mukakhala ku USA munthu amazindikira mphamvu zonse za Amazon. Adalembetsa ku Prime kwa $ 14 pamwezi komanso pafupifupi zonse zaulere tsiku lotsatira. Ngati mukufuna, mudayitanitsa sofa, ngati mukufuna, mukufuna chitini cha tuna. Ndinkafuna kubwezera chinachake - ndinapita ku UPS yapafupi, ndinabwezera katunduyo popanda kufotokozera, ndipo ndalamazo zinabwezeredwa ku akaunti yanga ya Amazon. Mwamisala yabwino chinthu.
Zofotokozera - wotumiza amakapereka pakhomo ndikusiya phukusi pamenepo. Ndiko kuti, akunama ndikudikirira pansewu. Kumalo anga kunalibe zovuta ndi izi. Koma momwe fomula iyi imagwirira ntchito m'malo osatukuka kwambiri ndi funso.
Ndalama
Kulemba misonkho ndi kukhudza zofuna za boma
Iyi ndiye mfundo yomwe ndikufuna kuiona kwathu. Zikuwoneka kuti mumagwiranso ntchito pa W2 ndipo abwana anu amakulipirani misonkho yonse. Komabe, kuchuluka kwa msonkho wochotsedwa kumasonyezedwa chonsecho pamalipiro aliwonse (osati msonkho wa munthu aliyense wokhala ndi zopereka zobisika ku Federal Tax Service). Ndiyeno, kumayambiriro kwa chaka, mumatumiza chikalata chosonyeza kuchuluka kwa misonkho yomwe munalipiridwa chaka chatha. Ndipo mukawona bwino kuti $ 30k idapita ku boma mchaka chimodzi, chikhumbo chofuna misewu yabwinobwino, zomangamanga ndi zinthu zina kuchokera ku boma zimakula kwambiri.
Mangongole ndi tsatanetsatane wakubanki
Chinthu chapadera cha zenizeni za ku America ndi chakuti chirichonse ndi aliyense amangiriridwa ndi ngongole. Mwangofika m'maboma ndikugwera mumsampha. Sangakupatseni kirediti kadi yanthawi zonse chifukwa palibe milingo, ndipo simungapeze ndalama popanda kirediti kadi. Ndipo funso silongoti mungabwereke. Kuti mulembetse dongosolo lomwelo lamitengo ya foni yam'manja, muyenera kuwerengera. Intaneti kunyumba - rating. Kubweza ndalama kumangochitika pama kirediti kadi. Dziwani ndi mabanki achiwiri a la Capital One akuthandizira.
Komanso, macheke amagwiritsidwa ntchito kwambiri. Ichi ndi kapepala komwe nambala yanu ya akaunti yasonyezedwa ndi komwe mumalemba ndalamazo komanso kwa ndani. M'malo ambiri mutha kulipira ndi cheke kapena kuyitanitsa ndalama (kusamutsa kolipiriratu, makamaka Western Union).
Tchuthi
Chiwerengero cha masiku atchuthi ndi tchuthi
Tchuthi changa ndi masabata atatu. Kuphatikiza pa izi pali masiku 3 a tchuthi cha federal. Ku Russia, monga Consultant akunenera, pali maholide 9. Ndiko kuti, mwachisawawa pali mpumulo wa sabata. Ndipo kuwonjezera pa izi, ku Russia sikungakhale masiku osachepera 14 atchuthi. Choncho 28 masabata kusiyana.
Nkhani yosiyana ndi tchuthi cha amayi oyembekezera. Nkhani yosavuta. Ku USA, sichilipidwa pokhapokha ngati kampaniyo ikufuna kutero.
Kuwuluka kwinakwake kumakhala kutali komanso kokwera mtengo
Kodi mukufuna kupita kwinakwake patchuthi? Konzani chikwama chanu ndi nthawi yambiri yokonzekera. Ndege yopita ku Europe - maola 9 ndi osachepera $500 pa tikiti yobwerera. Kugombe lina? Maola asanu ndi limodzi ndi osachepera $300 pa tikiti yobwerera. Iwalani za kupita ku Europe kumapeto kwa sabata pa ndege yotsika mtengo.
lomenyera
Yunivesite yabwino - werengera $40-50k pachaka. Kupeza thandizo la digiri ya bachelor ndizovuta kwambiri, makamaka ngati mulibe banja losauka.
Ubwino wa maphunziro, womwe ndimatha kuweruza poyang'ana maphunziro a anzanga, sumayambitsa kudzimva kuti ndi wapamwamba kwambiri kuposa maphunziro a m'mayunivesite abwino kunyumba. Ndipo zomwe ndinaphunzira pa semester ku Germany zikuwoneka zabwino kwambiri kuposa kuyang'anitsitsa maphunziro a ku Columbia University.
Ndalama ndi ndalama
Ndikoyenera kuyamba ndi ndalama, chifukwa anthu nthawi zambiri amaiwala kuti ku United States sikungowonjezera malipiro, komanso ndalama zomwe zimagwiritsidwa ntchito ndizokwera kwambiri.
Zowononga pamwezi
Kutengera ndi zomwe ndidakumana nazo ndikukhala ku American Pennsylvania, mphindi 40 kuchokera ku Philadelphia komanso mphindi 15 kuchokera ku New Jersey.
- Uchi. inshuwalansi (+ wolemba ntchito) - 83 $ (+ 460 $) pamwezi
- Nyumba - $1420 pamwezi chipinda chimodzi chipinda
- Zothandizira - $ 50 pamwezi
- Telefoni, intaneti yakunyumba - $120 pamwezi
- Inshuwaransi yagalimoto, mafuta - $230-270 ya inshuwaransi + $150 ya petulo ($2.7-3 pa galoni)
- Zakudya - 450 (350-600) $ pamwezi
- Kudyera kunja - $60-100 kwa awiri - $200 pamwezi
- Kugula / kugula / zosangalatsa - $300 pamwezi, mwachitsanzo $16 pa kanema ku AMC ndi wotsatsa wabwino
Kuwononga ngati mukufuna kukhala
Pension
Ndi anthu ochepa amene amayembekeza kudzakhala ndi penshoni ya boma, chifukwa kuchita zimenezi kudzakhala kovuta kwambiri. Chifukwa chake, ambiri sungani mumaakaunti osankhidwa a IRA/401k ndikuyika m'masheya/ma bond. Ndibwino kuti musunge 10% ya ndalama zanu.
lomenyera
Pamwambapa panali ziwerengero zamaphunziro. Mwachionekere, m’pofunika kuwakumbukira pokonzekera banja.
mankhwala
Apa muyenera kuwunika mosamala zomwe Deductible ndi Out-of-Pocket zikuphatikizidwa mu inshuwaransi yanu. Poyambirira, Deductible isanaunjikane, mumaphimba chilichonse kuchokera m'thumba lanu. Kenako kampani ya inshuwaransi imalowamo ndikulipira gawo lina la ndalamazo mpaka mutawononga ndalama zomwe zasonyezedwa mu Out-of-Pocket. Chifukwa chake, kuti mugone mwamtendere, zingakhale bwino kukhala ndi ndalama za Out of-Pocket mu akaunti yanu yosungira. Chilichonse chikhoza kuchitika. Mwachitsanzo, mtengo wa MRI kudzera mu kampani yanga ya inshuwalansi, Blue Cross Blue Shield, imachokera ku $ 200 mpaka $ 1200. My Deductible is $1.5k, Out-of-Pocket is $7.5k.
Kugula nyumba
Mutha kupeza mitengo yanyumba pa Zillow.com. Koma monga ziwerengero zamakono - $ 500k m'nyumba ya chipinda chimodzi m'malo abwinobwino a NYC kapena ndalama zofananira za nyumba yomwe ili pafupifupi nyumba imodzi yaku America (yomwe mwachiwonekere siyiphatikiza California, yomwe imakondedwa kwambiri. za malipiro).
Koma kugula ndi mbali ya vuto. Muyeneranso kukumbukira kuganizira msonkho wa katundu, umene mu NYC pafupifupi 0.9%, ku New Jersey - 2.44%, ndi pafupifupi dziko - 1.08% ya mtengo wa katundu pachaka. Kuphatikiza pa izi, pali mtengo wokonza (ndalama za HOA), zomwe ku NYC zimakhala pafupifupi $500 pamwezi panyumba.
Malipiro
Ndipo potsiriza, mfundo imene anthu amakonda kubweretsa osati molondola kwambiri m'nkhani zosiyanasiyana.
Dongosolo la ziwerengero zamalipiro ndi mzinda ndi kampani zitha kuyesedwa pa Glassdoor. Zomwe nthawi zambiri zimayiwalika m'nkhani zomwezo ndi mfundo yakuti malipiro. ku USA amawonetsedwa msonkho usanachitike. Misonkho imapangidwa ndi zigawo zitatu: msonkho wa federal, boma ndi wamba, ndipo zimatengera kukhalapo kwa ukwati, ana, kulembetsa payekha kapena ndi mnzanu, ndi zina zambiri. Misonkho ikupita patsogolo. Chiwerengero chenichenicho chikhoza kuyerekezedwa kuchokera ku Smartasset, koma pafupifupi akhoza kuyerekezedwa pafupifupi 30%.
Tiyeni tiwerenge movutikira kwambiri:
- Tengani Amazon Software Development Engineer yotchulidwa m'nkhani yaposachedwa ya Parallels. Malinga ndi Glassdoor, malipiro ake ndi $126k pachaka (omwe ndi ofanana ndi $122k yoperekedwa m'nkhaniyi)
- Womanga banja adzalandira misonkho - $92k pachaka kapena $7.6k pamwezi (osakwatira - kuchepera $6k pachaka)
- Tiyeni tipange ndalama zokwana $3.5k pamwezi pobwereka chipinda chogona chimodzi pafupi ndi ofesi ya Amazon ku NYC (kutengera zomwe zaperekedwa pa Apartments.com), kusiya zothandizira m'mphepete mwa zolakwika. Chifukwa chake, ndalama zolipirira zoyendera zitha kutayidwa.
- Tiyeni tisunge 10% pakupuma pantchito - $760 ina
- Tiyerekeze kuti tikufuna kusunga digiri ya bachelor ku yunivesite yabwino (New York University) - $50k * zaka 4 pazaka 20 = $800 pamwezi
- Izi zimasiya $ 2540 pamwezi, ndi mtengo wa chakudya ndi mautumiki (hello, manicure a $ 100) apamwamba kwambiri kuposa ku Moscow kapena St.
Kwa ine, limenelo ndi funso lalikulu. Chiyembekezo cha ntchito ndi denga lapamwamba kwambiri - zowona. Chitonthozo kuchokera m'moyo momwe mungadzidalire nokha - zili ndi inu.
Source: www.habr.com