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大宅

積分: 1308


1#
發表於 10-7-21 16:35 |顯示全部帖子
出年就要去美國. 而家睇緊多d 美國的生活需知.
成日聽人講呢, 美國睇醫生好貴好貴, 我想問我自己同老公都有係hk買開d medical insurance, 即係有咩事起來入院動手術都叫有得claim 果d, 但小朋友就冇買開, 我地係咪都要幫佢地買呢? 有咩傷風感冒睇醫生係咪多數睇private doctors? 一般幾多錢呢, 有冇所謂公立醫院/門診果d呢?

另, 美國政府有冇咩退休保障俾citizen 呢? 打工的係咪都係自己加employer 一起供retirement plan? 係咪compulsory 的? 老人家有冇好似香港果d 生果金果d野既呢?

好多問題, 請指教~


大宅

積分: 1308


2#
發表於 10-7-21 22:50 |顯示全部帖子
Thanks Nillie,

老公會番工,但我會係家庭主婦,咁咪冇MEDICAL 又冇得儲CREDIT? 咁老左咪冇SOCIAL SECURITY 又冇MEDICARE? 我上網見D SOCIAL SECURITY 都成1000蚊播!
BTW,其實小朋友番左學係咪會多D時間可以返到工既呢?我D仔女出年會係PRE﹣K同GRADE1。我都想返下工,係HK做開野忽然冇工返,都驚唔習慣呀~

原帖由 Nillie_Mami 於 10-7-21 20:02 發表
如果係打老番工---好似我哋咁, 有check, 同有W2 form 報稅, 公司會有insurance plan俾你揀, depends on 你哋嘅職位, 有的全包, 好似做護士, 有union, 咪好啲囉, otherwise, 佢哋多數喺你pay check 扣錢, 幫你買insur ...


大宅

積分: 1308


3#
發表於 10-7-21 22:50 |顯示全部帖子
Thanks Nillie,

老公會番工,但我會係家庭主婦,咁咪冇MEDICAL 又冇得儲CREDIT? 咁老左咪冇SOCIAL SECURITY 又冇MEDICARE? 我上網見D SOCIAL SECURITY 都成1000蚊播!
BTW,其實小朋友番左學係咪會多D時間可以返到工既呢?我D仔女出年會係PRE﹣K同GRADE1。我都想返下工,係HK做開野忽然冇工返,都驚唔習慣呀~

原帖由 Nillie_Mami 於 10-7-21 20:02 發表
如果係打老番工---好似我哋咁, 有check, 同有W2 form 報稅, 公司會有insurance plan俾你揀, depends on 你哋嘅職位, 有的全包, 好似做護士, 有union, 咪好啲囉, otherwise, 佢哋多數喺你pay check 扣錢, 幫你買insur ...


大宅

積分: 1308


4#
發表於 10-7-22 08:19 |顯示全部帖子
原帖由 bunnymonkey 於 10-7-22 06:38 發表
If you don't work, you may get social security (when you are old enough) through your husband if he has 40 credits when he retired. I think when you are >=65, you can apply medicare if you are qualify ...

Thanks Bunnymonkey,
Medicare and social security 都要低收入/資產審查先可以有?不過都見好多WEBSITE 話,去到我地老時,可能呢D野己經不存在了。


大宅

積分: 1308


5#
發表於 10-7-22 21:35 |顯示全部帖子
Thanks Nillie,

$1500 (Assume老公+自己果份)的SOCIAL SECURITY, 如果自己有屋,可能會好D? 不過又有PROPERTY TAX,都唔少錢。ANYWAY 都要自己儲錢啦。 老左真係唔想搞到要D仔女養我地啦。
不過聽人講美國人冇SAVING,咁佢地老左真係點算好呢?

原帖由 Nillie_Mami 於 10-7-22 19:51 發表
Clarify!
Medicare 係聯邦醫療, 只要係公民, 做40個credit, 有交稅, 65歲以上不查收入自動擁有.
如果唔符合以上嘅條件, or 只有green card. 只要你over 65歲, hold green card over 5 years, 自已親身去social soci ...


大宅

積分: 1308


6#
發表於 10-7-23 13:54 |顯示全部帖子
原帖由 Nillie_Mami 於 10-7-23 07:02 發表
Please don't do it that way.. it is what people whom work for 30 or more years (whom salary were very low that time).
also, the $1500 at 2010 will not be the same at 2040. $1500 at 2040, will be noth ...

其實美國多唔多工有offer pension?
我地都係要自己儲一舊錢, 投資下令資產增下值. 其實我地父母冇樓果d 俾我地的, 我地而家要養父母, 養自己, 養仔女, 仲要plan 埋retirement, 真係好大壓力呢~


大宅

積分: 1308


7#
發表於 10-7-23 21:14 |顯示全部帖子
Hi Nillie,
我老公其實係美國讀大學的,同埋佢都應該會搵到佢想做的野,我唔洗擔心佢的。
講開再讀書,我老公都好支持我去追尋自己的夢想,再去讀書,一來充實自己,二來將來可以搵番一份我真係覺得有意義的工作。
我都會打算去到SETTLE左,會再搵野讀。NURSING 我諗未必了 (我連人地幫我打針我都驚 ),不過都LIKELY 會搵D專業野來讀。:)
原帖由 Nillie_Mami 於 10-7-23 20:27 發表
cathy,
你老公份工有冇license/or special cert?? 如果有, 最好就先喺hk就定"verification of license/certification". 美國做工, unless 係美國大學畢業, otherwise 係要去做認證
咁就可以慳返時間揾工, 試吓monsto ...


大宅

積分: 1308


8#
發表於 10-7-24 09:12 |顯示全部帖子
我老公係美國讀書,已經係十幾年前了。物價各樣野都唔同晒。同埋佢一讀完就番左HK了,未試過係美國做野的。當時係INTERNATIONAL STUDENT 身份,冇留意過D醫療退休果D野。

我自己就更加只係一路係HK,美國對我來講好陌生呢~

呢度各位媽咪好幫忙,我知多左好多呢! 我同老公講番,佢先知原來美國D物價都唔同左好多了(話晒已經十幾年)。

THANKS A LOT!!
原帖由 Nillie_Mami 於 10-7-24 02:00 發表
Well.... I delete my message which I posted with all my anger there.
I apology if anyone had read it already.

Cathy,
As your husband has the education here for at least 4 years.
He should know everyt ...


大宅

積分: 1308


9#
發表於 10-7-27 21:58 |顯示全部帖子
傻啦! 你咁詳細俾咁多資料我,我好多謝你就真呀! 其實你要返工又要照顧小朋友,仲咁詳細提供咁多INFO,好欣賞你咁熱心呀! 呢度D媽咪都好幫手呀! 如果你唔得閑,唔一定要答我的,討論區的好處就係可以大家分享嘛,冇壓力的,係咪? :)

其實我仲有D稅務問題想問,不過真係太TECHNICAL,我托左朋友去介紹左個 TAX ACCOUNTANT 去問了。我仲買左D講美國生活需知D書來睇,都知多左好多野呀~

原帖由 Nillie_Mami 於 10-7-27 21:15 發表
Dear Cathy,
I am so sorry for the message I wrote, I wish you will accept my apologies. As I don't have much time online everyday, and this messages did take all my effort.
Hope you will forgive me.
...

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