Munguva pfupi yapfuura, iyo Parallels corporate blog yakaburitswa , uko mihoro yevagadziri vekuMadokero yakapiwa nemashoko okuti βchero zvazvingava, mihoro yeRussia haisati yasvika kuEurope.β Kugara ndichisangana nevanhu tichienzanisa mararamiro aPeter Nguruve nevaya vasina kubva kwakandikurudzira kuti nditaurewo nezveupenyu muUnited States nechomukati. Chinangwa cheichi chinyorwa ndechekukukurudzira kuti utaure nezve nyaya yacho zvizere uye kuenzanisa maapuro nemaapuro, pane kuenzanisa-ne-point kuenzanisa izvo zvinobatsira uye kufuratira kune zvimwe zvakakosha. Kana zvichiita kwauri kuti kune mamwe madiki muchinyorwa ichi, ndapota simbisa kune chokwadi chekuti "Chukchi haasi munyori" uye, kana zvichibvira, furatira.
Upenyu hwezuva nezuva
Kuti ndisamhanyire kune karukureta munzvimbo yekwari, ndinoda kutanga ndagovera mamwe maonero pamusoro pehupenyu hwezuva nezuva muStates. Kunyange zvakadaro, kwete mari nebasa chete.
Disclaimer: Zvaonekwa pazasi hazvina kuitirwa kumiririra uye zvinobva pamakore maviri ekugara muBucks County, PA nekushanya kazhinji kuNew York City. Semushanyi, ndakashanyira matunhu gumi nemaviri nehafu.
Migwagwa nemotokari
Vanhu vazhinji vanosanganisa America nemigwagwa mikuru uye mashanu-litre kilometer absorbers. Uye kunyatsoruramiswa. Naizvozvo, ini ndinoona zvakakodzera kuti nditange nyaya yehupenyu hwezuva nezuva mumatunhu nenyaya iyi.
Migwagwa, zviratidzo, vatyairi
Pakati pezvakanakira zviri pachena, ndinoda kuratidza zvinhu zvakati wandei. Chekutanga, mharadzano dzakawanda dzemigwagwa yechipiri dzine zvikwangwani zvekumira panzvimbo yemarambi, pamberi payo mutyairi anofanira kumira uye kuenderera mberi nekutyaira mune yekutanga-mukati, yekutanga-kurongeka. Izvi zvinodzikamisa traffic, uye panguva imwechete hapana chikonzero chekumirira chiratidzo chegirini pane isina chinhu. Kuenderera mberi nemusoro wekumirira marambi emotokari, ndinoda kuyeuka kuti mumatunhu anochinja: pamireza ine mwenje wetraffic kazhinji pane kamera inogadzirisa nguva yekushanda yechiratidzo chegirinhi zvichienderana netraffic munzira imwe neimwe. . Imwe mukana usingapokane kuvepo kwenzira dzakatsaurirwa kutsaukira kuruboshwe nekurudyi - zvinoshamisa kana iwe uchigona kutyaira munzira yekunze uye usingafunge nezve chokwadi chekuti uchada kushandura nzira pamberi pemharadzano nekuti pane mutsara wekutendeuka. Hunhu hwemigwagwa inyaya inopisa-bhatani. Inosiyana kubva munharaunda nenzvimbo. Kana ukaienzanisa nemigwagwa yeSt. Petersburg, yakaipisisa. Kana tikaenzanisa muvhareji wechipatara, ndinotenda kuti zviri nani, kunyange ndisina sampuli yakakwana maererano nekufamba nemotokari muRussia. Zvakare, zvakakosha kucherechedza kuti kune hutsinye hushoma mumigwagwa yenhurikidzwa imwe chete yeAmerica (asi Mwari ngaakuregedze iwe unopedzisira wava muNew-York City). Pashure paikoku, mumigwagwa yeSt. Petersburg imwe cheteyo pane kunzwa kwokuvamba kweKarmageddon.
Nekune rimwe divi, iwo mabhenefiti akapihwa pamusoro anewo pasi pemari. Kuchinja-chinja kwemarobhoti, semuenzaniso, kunoita jee rine utsinye kana uri kuchovha bhasikoro. Iwe unogona kumirira yako yegirini kusvika watsvuka kumeso, nekuti kamera neupenzi haisi kukuona. Zvakare, ini handisati ndaona kuverengerwa kuratidzwa pamarobhoti emigwagwa, izvo zvandinotenda nekuda kwekuchinjika kwavo. Zvinoshungurudza zvakanyanya kutyaira 60 mph, ona mwenje yero inongoerekana yaonekwa, uye edza kufunga kuti unonoke here kana kukurumidza. Kudzikama kwevatyairi kunogonawo kushatirisa: kujairika kwemotokari kunowanzoitika nekuda kwekunyanya kutandara kana vatyairi vachipfuura zvine ruremekedzo pamharadzano yemigwagwa. Asi ini ndinofunga chakanyanya kukosha kushaikwa kwemwenje. Panowanzova nechiedza chisina kujeka chakarembera pamharadzano, asi kana zvisina kudaro hapana. Zvachose. Uye zvakanaka kana iwe uchityaira mutraffic, uko marambi emota zhinji anowanzo kuchengetedza mwero wakakwana wekuvhenekera. Asi mugwagwa usina chinhu pakati pehusiku mumvura inonaya inoshanduka kuita isingafadzi uye kunyange ine njodzi nzvimbo.
Musoro wakasiyana ndewevanofamba netsoka mune imwe nhurikidzwa yeAmerica. Chekutanga, vatyairi, mumaonero angu, vanokanganwa nezvehuvepo hwavo uye kumirira kuti vapfurwe pavanoyambuka netsoka ibasa rekusatenda. Chechipiri, shanduko pachadzo chinhu chisingawanzo. Asi chinhu chakanyanya kutyisa kumugari wekuEurope kusavapo kwenzira dzevanofamba netsoka munzvimbo zhinji. Mushure menguva yakati, unojaira kufamba padivi pemugwagwa, asi pakutanga zvinounza kusagadzikana kwakanyanya.
Nzvimbo dzekupaka
Nekuda kwekuti hazvigoneke kugara mune imwe-nyaya yeAmerica pasina mota uye munhu wese anonzwisisa izvi, zvese zvakanaka nekupaka munzvimbo yakadaro. Iwe unokurumidza kukanganwa kuti zvakaita sei kuwana nzvimbo yekupaka pedyo neimba yako kana hofisi. Uye nekuwedzera kune izvi, nzvimbo zhinji dzakagadzirirwa kutakura pikicha yakakura, uye nekudaro, mune yepakati sedan iwe unogona kupaka dzinenge diagonally pasina kukanganisa chero munhu.
Asi, kana uchifamba kune chero guta, nyaya yekupaka inofanira kutarisirwa mberi. Pane imwe nzvimbo yekupaka mumugwagwa, kwaunowanzo tadza kusiya mota yako kweanopfuura maawa mashoma, kana yakavanzika yekupaka, mitengo yayo inogona kusiyana zvakanyanya: kubva pamadhora gumi pazuva muPhiladelphia kusvika pamadhora gumi nematanhatu pahafu yeawa muNYC.
Kupaka pamwedzi muPhiladelphia kunotanga pamadhora mazana maviri, uye muNYC, gadzirira kuburitsa $200.
Kutyorwa kwemitemo: mapurisa, faindi, mapoinzi
Rimwe zuva ndaityaira Mustang yangu ndichienda kumusangano. Mugwagwa maawa matatu, mimhanzi iri kutamba, uye V8 inopuruzira nemufaro kana mutserendende unosundirwa mukati. Zvakanaka, iyo gasi pedal inotsikirirwa zvakadzika kupfuura inobvumirwa. Awa nehafu - zvese zvakanaka, ndiri pamberi pehurongwa, apo kamwe kamwe mota inosvetuka kubva parutivi rwemugwagwa inongoerekana yaonekwa mugirazi rekumashure, uye mwenje unopenya unobatidzwa. Musoro wangu unotya nezvemafirimu ekuHollywood uye chii chinoda kuitwa. Chiratidzo chekurudyi, mira padivi pemugwagwa. Mupurisa akapfeka hembe dzesherifu uye ane ngowani yemukomana wemombe mumusoro anouya achibva kuruboshwe. "Unozviziva here kuti wakatyora mutemo weMaryland?!" - Major Payne anodzvova semusoja. "Ndine mhosva" ndizvo chete zvinouya mupfungwa dzangu. Zvinyorwa kumukuru, maminetsi maviri ekumirira kuti arove chimwe chinhu mumotokari yake, uye voila - pepa repurasitiki reA4 rine chimiro chisingafadzi chemadhora mazana maviri nemakumi masere efaindi ye280mph nekushivirira kwe91mph. Uye tsamba inoyevedza yakaenzana ine musoro State of Maryland vs Pavel *** svondo gare gare. Asi kana ichingoda faindi. Kutyora mumatunhu mazhinji kunokonzeresa mapoinzi anowedzera zvakanyanya mutengo weinishuwarenzi yako. Mushure mechiitiko ichi, ndinotarisisa kumhanya kwangu zvakanyanya.
Iyo chete "asi" mune iyi nyaya ndeyekuti mune dzakawanda anoti otomatiki makamera ekurekodha kutyora kumhanya anorambidzwa kana kusashandiswa. Saka kuziva nzvimbo uye nzvimbo dzakajairwa dzemotokari dzemapurisa zvinobvumira vagari venzvimbo kuti vatore maoko avo pazviri kazhinji.
Basa remotokari
Neimwe nzira chimwe chinhu chakaipa chakaitika kumotokari yangu: giya bhokisi rakafa. Sezvineiwo, pakutenga iyi yakashandiswa Mustang neGT index, ndakanzwisisa kuti zvaisaita kuti yaityairwa kubheka nechechi chete, uye nekudaro ndakatenga waranti yakawedzerwa kubva kune kambani yechitatu. Shanyira kune ari pedyo Ford mutengesi, taura nyaya, ipa motokari uye waranti chibvumirano. Zvingaita sekuti zvinhu zvose zvakanaka: vhiki uye zvose zvichagadziriswa. Asi kwete, inopfuura mwedzi yekupambadza nguva, kudzokororwa kwakawanda nezvikanganiso kubva kune vese kambani yewaranti uye mutengesi, izvo zvakaguma nekudiwa kwekufonera maneja mukuru kuFord uye kuvimbisa kubatanidza magweta. Saka, inopfuura mwedzi wetsinga uye mubvunzo unonetsa: nei sevhisi yeAmerica iri nani pane yedu?
Njodzi dzemugwagwa, kukurumidza kwekupindura kwemapurisa uye ambulensi, kukurumidza kwekubhadhara kubva kukambani yeinishuwarenzi
Zuva rose rekutaurirana nemutengi, mamiriro emuriwo, rwendo rwekudzokera kumba nedanho remudyandigere. Motokari ine simba isina zvemazuva ano zvemagetsi nemvura. Mhedzisiro ndeye skid uye bump stop. 9-1-1. Maminitsi mashanu epamusoro uye mapurisa neamburenzi vatove pano. Kugadzira protocol, kuramba kuchipatara nekusaina pane iPad - maminitsi gumi nemashanu. Motokari inotorwa nerori, inoshevedzwa nemupurisa, kune imwe nzvimbo yekupaka yakabatana. Uchibva kumba, zadza chikumbiro pawebhusaiti yeinishuwarenzi. Mhinduro dzinoverengeka dzemibvunzo parunhare, vhiki yekumirira uye cheki yekubhadharwa kwekurasikirwa kwese nenhamba yakakwira kupfuura mutengo wekutenga. Mubvunzo wakapesana unopokana: nei mapurisa edu emigwagwa nemakambani einishuwarenzi asingashande nekukurumidza?
Kuona kwemota
Mafungiro evanhu vekuAmerica kumotokari sezvinhu zvinodyiwa haana kujairika. Kukwenya, dents - hapana anoteerera. Iwe unofamba, unoona nyowani Aston Martin ine shabby bumpers, uye mune dissonance mumusoro mako. Iyo sevhisi inonyanya kuchinja mafuta, mapads uye ndizvozvo. Boka remarori anonyatso kutakura tangi repeturu patirailer. Motokari dzeGermany dzinotarisirwa kudhura kudarika nguva dzose, uye kunaka kwemotokari dzeAmerica kunosiya zvakawanda zvingadiwa.
Migwagwa yemitero
Kunowanzova nemutero wekuyambuka mabhiriji, uye kazhinji kune ma toll akawanda. Pane mubhadharo wekupinda nekubuda muNYC. Semuenzaniso, iyo Lincoln Tunnel inobhadharisa madhora gumi nematanhatu kufamba.
Kutakura kwevanhu vose
Imwe-nyaya yeAmerica
Zvese pano hazvina kunaka. Hakuchina zvekufambisa zvemuno. Hongu, mabhazi emunharaunda anomhanya kamwechete paawa, asi munzira dzakadaro izvo zvinotora nekusingaperi kusvika kune yaunoda. Kuvharwa kwechitima chemagetsi hakuna kunaka. Nzira dzevanofamba netsoka dzinonyanya kuve munzvimbo dzenhoroondo kana munzvimbo dzine urombo. Saizvozvo, kusiiwa usina motokari uye kuva kure nezvitoro nenzvimbo dzine vanhu vakawanda hazvifadzi.
Zvitima zvinomhanya pakati pemaguta, kazhinji zvakapfekwa. Kubva kuTrenton / Princeton kuenda kuNYC zvinotora ingangoita awa nehafu yemadhora gumi nematanhatu (NJ Transit). Kana awa yemadhora makumi mashanu (Amtrak). Uye yekupaka pachiteshi iwe uchafanirwa kubhadhara ingangoita madhora matanhatu pazuva. Imwe nzira yakachipa mabhazi epakati, asi kubata kwavo nguva hakuna mubvunzo.
Maguta
NYC, DC, Boston, San Francisco - zvese zviri nani. Tevere, kushandisa NYC semuenzaniso. $2.75 parwendo rwemetro, hapana kupfuura. Chinhu chinotonhorera che metro ndiko kuwanikwa kwezvitima zvekutaura. Vanomira chete pazviteshi zvakakura uye, kana zvichidikanwa, vanofamba rwendo rurefu, vanochengetedza nguva zvakanyanya. Kune rimwe divi, metro yakasviba zvakanyanya uye haina kugadzikana. Kazhinji pakupera kwevhiki manheru chimwe chinhu chinoputsika pane imwe nzvimbo, uye iwe unogona kumirira chitima kusvika pakuuya kwechipiri. Zvakaoma kufamba nezvifambiso zvepasi nekuda kwekuzara kwemotokari. Ini handizive kuti ndiani anofamba nemota muNYC - vese vanopenga traffic uye vanofamba netsoka vanoregedza zvachose marambi emigwagwa.
Zvakatipoteredza
misiyano
Nyaya yekuti United States inyika ine mukaha mukuru pakati pevarombo nevapfumi inoonekwa nemaziso. Zvivharo zvevavakidzani zveguta zvinogona kusiyana zvakanyanya: iwe unoyambuka mugwagwa, waingodhura uye wakapfuma, uye ikozvino kune dzimba dzine mahwindo akakwira uye mavara emuAfrica-America, kubva pakuona chaiko makumbo ako anotanga kufamba nekukurumidza. Mune imwe nharaunda, panogona kunge paine Bugatti Chiron pedyo nemugadziri webvudzi uye munhu wese ari kunyemwerera kune mumwe nemumwe, asi mutaundi 10 maminetsi kure kune urombo, vanhu vasina pekugara, kuparadzwa nekupfura.
Maguta
Maguta emuUnited States akasiyana zvakanyanya neEurope. Chokutanga pane zvose, dzakashata. Chechipiri, vane tsvina uye kune vanhu vakawanda vasina pekugara ikoko. Iwe unofamba uchitevera St. Petersburg/London/Paris/Amsterdam/[isa yako] muNYC, uye mweya wako unochema. Chechitatu, kugara mavari kunodhura zvakanyanya kana kusanyanya kunakidza. Studio rendi munzvimbo dzakajairwa dzeManhattan dzinotanga kubva pamadhora mazana matatu pamwedzi. Kutenga imba yekurara imwe - kubva pamadhora mazana mashanu uye kubviswa pamwedzi kumutero uye kugadzirisa, izvo zvingangove zvinodarika $ 3k. Mutero wemunharaunda mumaguta wakakwira. Chikafu chinotarisirwa kudhura. Kushaikwa kwenzvimbo dzakasvibira. Kugara nemhuri kunoratidzika kuva kwakaneta. Kune nzvimbo dzakawanda dzinonhuwa mbanje zvekuti unogona kunakidzwa uchingopfuura.
Imwe-nyaya yeAmerica
Pane nhamba inoshamisa yemhuka dzisinganyanyi kutya vanhu. Squirrels, nondo, tsuro, marmot, skunks. Yakanyanya uye yakanaka. Nekudaro, kunaka kwese uku kunodawo kumhanya munzira, kusakonzeresa manzwiro anonyanya kufadza.
Dzimba dzemazuva ano dzakavakwa kubva pamatanda uye plywood. Kusanganisira dzimba dzenhurikidzwa nhatu neina. Hongu, izvi zvinoitwa nokukurumidza, asi pamwe chete nenzvimbo duku umo grill chete inogona kuiswa, mari inomutsa mibvunzo. Uye mutengo weimba mune chero dhorobha muPennsylvania / New Jersey unotanga kazhinji pamadhora mazana mashanu.
Mafungiro
Pfungwa yekutanga uye huru ndeyekushivirira. Izvi zvakanaka, asi mune zvimwe zvinhu zvinogona kunge zvisina kujairika. Muenzaniso wakapfava kubva pakudzidziswa panzvimbo hombe yekurapa muNYC:
Zvapiwa:
Philip ingochani inoshanda mubazi rezvemari. Kanoverengeka mwedzi wapera, akanzwa vaaishanda navo vakati wandei vachikurukura nezvekupikisa kwavo kuroora kwengochani pavakanga vakamirira lift (uye Firipi aingopfuura).
Mubvunzo:
Firipi ane kodzero here yekumhanβara kune maneja nezvekushungurudzwa?Mhinduro chaiyo ndeiyi:
Ehe. Hazvinei kuti mashoko evamwe vaPhilip haana kunangana naye. Firipi anofanira kuudza izvi kune HR uye Regulatory Affairs.
The African American chikamu chehuwandu chakanyatsojeka uye chinogona kunge chisingafadzi zvakanyanya. Kune marudzi mazhinji akasiyana, imwe neimwe inoda maitiro ayo.
Kushanda kubva kumba, hapana vaunoshanda navo
Zvakaitika kwandiri zvinoratidza kuti basa rekure kure rakawanda. Naizvozvo, haugone kuona vaunoshanda navo kwemwedzi yakati wandei.
Kutenga pamhepo uye tenga zvese paAmazon, ita kuti zviunzwe uye zvisiiwe pamusuwo wako.
Chete kana uchigara muUSA munhu anoona simba rakazara reAmazon. Kusaina Prime for $ 14 pamwedzi uye dzinenge dzese dzemahara zuva rinotevera kuendesa. Kana uchida, wakahodha sofa, kana uchida, unoda chigaba che tuna. Ini ndaida kudzorera chimwe chinhu - ndakaenda kuUPS yepedyo, ndikadzosera zvinhu pasina tsananguro, uye mari yacho yakadzoserwa kuAmazon account yangu. Kupenga kwakanakira chinhu.
Zvakajeka - mutakuri anoendesa kumusuwo uye anosiya pasuru ipapo. Kureva kuti anonyepa akakumirira panzira. Munzvimbo yangu pakanga pasina kana matambudziko neizvi. Asi kuti fomula iyi inoshanda sei munzvimbo dzisina kubudirira mubvunzo.
Mari
Kuisa mitero uye kupesvedzera zvinodiwa nehurumende
Iyi ndiyo pfungwa yandinoda kuona munyika yangu. Zvinoita sekunge iwe unoshandawo paW2 uye wako waunoshandira anokubhadhara mitero yese. Nekudaro, huwandu hwemutero hwakabviswa hunoratidzwa huzere mubhadharo yega yega (uye kwete mutero wemuhoro wega nemipiro yakavanzika kuFederal Tax Service). Uye zvino, pakutanga kwegore, iwe unotumira kudzoka kunoratidza huwandu hwemitero yakabhadharwa kwegore rapfuura. Uye kana iwe ukaona zvakajeka kuti $ 30k yakaenda kuhurumende mugore, chido chekuda migwagwa yakajairika, zvivakwa uye zvimwe zvinhu kubva kuhurumende zvinowedzera zvikuru.
Chiyero chechikwereti uye kubhengi chaiko
Chinhu chakakosha chechokwadi cheAmerica ndechekuti zvese uye munhu wese akasungirirwa pachiyero chechikwereti. Iwe uchangosvika mumatunhu uye iwe unowira mumusungo. Ivo havakupe yakajairika kadhi rechikwereti nekuti hapana chiyero, uye haugone kuwana chiyero pasina kadhi rechikwereti. Uye mubvunzo hausi wekuti iwe unogona kukwereta. Kuti usayine kune imwechete tariff chirongwa cheserura, unoda chiyero. Internet kumba - rating. Cashback iri kunyanya pamakadhi echikwereti. Discover uye yechipiri-reti mabhangi a la Capital One ari kubatsira kunze.
Zvakare, macheki ari mukushandiswa kukuru. Iri ipepa rinoratidzwa nhamba yeakaundi yako uye kwaunonyora mari yacho uye kuti inonyorerwa ani. Munzvimbo dzakawanda unogona kubhadhara chete necheki kana mari odha (prepaid transfer, kunyanya Western Union).
Zororo
Nhamba yemazuva ezororo nemazororo
Zororo rangu mavhiki matatu. Pamusoro peizvi kune mazuva 3 ezororo remubatanidzwa. MuRussia, sekutaura kunoita Consultant, kune mazororo gumi nemana. Ndiko kuti, by default pane vhiki imwe kuzorora. Uye pamusoro peizvi, muRussia hapagoni kuva nemazuva asingasviki makumi maviri nemasere ezororo. Saka 9 mavhiki musiyano.
Imwe nyaya yakasiyana izororo rekusununguka. Nyaya iri nyore. MuUSA, haibhadharwe kunze kwekunge kambani ichida kudaro.
Kubhururuka kune imwe nzvimbo kune kure uye kunodhura
Unoda kuenda kumwe kuzororo here? Tora chikwama chako uye nguva yakawanda yekugadzirira. Ndege kuenda kuEurope - 9 maawa uye ingangoita $500 yetiketi rekudzoka. Kumwe kumahombekombe? Maawa matanhatu uye angangoita $300 yetikiti rekudzoka. Kanganwa nezvekuenda kuEurope kwekupera kwevhiki pane imwe ndege inodhura.
inotungamirirwa
Yunivhesiti yakanaka - verenga pa $40-50k pagore. Kuwana rubatsiro kune dhigirii reBachelor kwakaoma, kunyanya kana iwe usina mhuri ine hurombo.
Hunhu hwedzidzo, iyo yandinogona kutonga chete nekucherechedza dzidzo yeshamwari dzangu, haimutsi manzwiro ekukwirira kusinganzwisisike kune dzidzo mumayunivhesiti akanaka kumba. Uye ruzivo rwangu rwekudzidzira semesita muGermany rinoratidzika kuva rakanaka pane kunyatsocherechedza kudzidziswa kuColumbia University.
Mari uye mari
Zvakakodzera kutanga nemari, nekuti vanhu vanowanzo kanganwa kuti muUnited States kwete chete mihoro yakakwira, asiwo mari yakakwira zvakanyanya.
Mari yemwedzi nemwedzi
Zvichienderana neruzivo rwangu rwekugara mune imwe-nhurikidzwa yeAmerican Pennsylvania, maminetsi makumi mana kubva kuPhiladelphia uye maminetsi gumi nemashanu kubva kuNew Jersey.
- Huchi. inishuwarenzi (+ mushandi) - 83 $ (+ 460 $) pamwedzi
- Dzimba - $1420 pamwedzi imwe-kamuri imba
- Utility - $50 pamwedzi
- Runhare, Indaneti yekumba - $120 pamwedzi
- Inishuwarenzi yemotokari, peturu - $230-270 yeinishuwarenzi + $150 yepeturu ($2.7-3 per galoni)
- Groceries - 450 (350-600) $ pamwedzi
- Kudyira kunze - $60-100 yevaviri - $200 pamwedzi
- Kutenga/kutenga/varaidzo - $300 pamwedzi, semuenzaniso $16 yebhaisikopo paAMC rine mushambadzi akanaka.
Kushandisa kana uchida kugara
Pension
Vanhu vashoma vanotarisira kurarama nepenjeni yehurumende chete, nokuti kuita kudaro kunenge kwakaoma zvikuru. Saizvozvo, mazhinji chengetedza mumaakaundi akatarwa IRA/401k uye kudyara mumasheya/mabhondi. Zvinokurudzirwa kuchengetedza 10% yemari yako.
inotungamirirwa
Pamusoro paiva nenhamba dzedzidzo. Zviri pachena kuti zvakakodzera kuafunga pakuronga mhuri.
ΠΠ΅ΡΠ΅Π½ΠΈΠ΅
Pano iwe unofanirwa kunyatso tarisa izvo Deductible uye Out-of-Pocket zvinosanganisirwa muinishuwarenzi yako. Pakutanga, iyo Deductible isati yaunganidza, unovhara zvese kubva muhomwe yako. Ipapo kambani yeinishuwarenzi inopinda mukati uye inovhara chikamu chemitengo kusvika washandisa mari yakaratidzwa muOut-of-Pocket. Saizvozvo, kuti urare murunyararo, zvingave zvakanaka kuve neiyo Out-of-Pocket huwandu muakaundi yako yekuchengetedza. Chinhu chipi nechipi chinogona kuitika. Semuenzaniso, mutengo weMRI kuburikidza nekambani yangu yeinishuwarenzi, Blue Cross Blue Shield, inotangira pamadhora mazana maviri kusvika kumadhora 200. My Deductible is $1200k, Out-of-Pocket is $1.5k.
Kutenga imba
Unogona kuwana mitengo yemba paZillow.com. Asi sehuwandu huripo huripo - $500k yeimba yekamuri imwe munzvimbo yakajairwa yeNYC kana huwandu hwakafanana hweimba muavhareji yenhurikidzwa imwe America (iyo zviri pachena isingabatanidzi California, inodiwa zvakanyanya maererano. yemuhoro).
Asi kutenga chikamu chechinetso. Iwe zvakare unofanirwa kurangarira kufunga nezvemutero wemidziyo, iyo muNYC mavhareji 0.9%, muNew Jersey - 2.44%, uye avhareji yenyika - 1.08% yemutengo wepfuma pagore. Pamusoro peizvi, kune mutengo wekugadzirisa (HOA fees), iyo muNYC ichave inosvika mazana mashanu emadhora pamwedzi pafurati.
Mihoro
Uye pakupedzisira, iyo pfungwa iyo vanhu vanoda kuunza kwete chaizvo chaizvo mune dzakasiyana zvinyorwa.
Kurongeka kwenhamba dzemihoro neguta nekambani inogona kuongororwa paGlassdoor. Chii chinowanzo kanganwa mune izvo zvinyorwa zvakafanana ichokwadi chekuti muhoro. muU.SA anoratidzwa mutero usati wasvika. Mutero unoumbwa nezvikamu zvitatu: federal, state uye local tax, uye zvinoenderana nekuvepo kwewanano, vana, faira wega kana nemudiwa, uye zvimwe zvinhu zvakati wandei. Mutero unofambira mberi. Nhamba chaiyo inogona kufungidzirwa kubva kuSmartasset, asi avhareji inogona kufungidzirwa ku30%.
Ngatiite chiverengero chakakasharara:
- Tora iyo Amazon Software Development Engineer inotaurwa mune ichangoburwa Parallels chinyorwa. Sekureva kwaGlassdoor, muhoro wake i$126k pagore (iyo yakafanana neiyo $122k yakapihwa muchinyorwa icho)
- Mugadziri akaroora anogashira mushure memitero - $92k pagore kana $7.6k pamwedzi (isina - zvishoma ne $6k pagore)
- Ngatirongei $3.5k pamwedzi yekurenda imba yekurara imwe padyo neAmazon's NYC office (zvichienderana nezvinopihwa paApartments.com), tichisiya zvekushandisa mukati memucheto wekukanganisa. Saizvozvo, mari yekufambisa inogona kuraswa.
- Ngatichengetedzei 10% yekurega basa - imwe $760
- Ngatimbofungidzira kuti tinoda kuchengetedza dhigirii rebhaibheri kuyunivhesiti yakanaka (New York University) - $50k * makore mana pamakore makumi maviri = $4 pamwedzi
- Izvozvo zvinosiya $2540 pamwedzi, nemari yezvokudya nemasevhisi (mhoroi, manicure ye100 $) inooneka yakakwirira kupfuura muMoscow kana St.
Izvo zvakakosha here zvichibva pamari chete?Kwandiri, iwo mubvunzo mukuru. Tarisiro yebasa uye inoshamisira yakakwira theoretical sirin'i - hongu. Nyaradzo kubva muhupenyu hwaunogona kuvimba iwe pachako - zviri kwauri.
Source: www.habr.com