美国生活成本最低排名,日期：2012-04.　　

《美国生活成本最低排名,日期：2012-04.　　》有一个想法

1. 美国公务员的工资单和福利,日期：2012-03.　　

   在美国当公务员,工资帖。美国公务员网友忍不住把自己的工资单和福利发布出来。

   　　工资，贴出来晒晒。只是给大家了解美国公务员的收入情况，地区有差别，单位内部有差别。希望看过以后，一笑而过.

   　　基本情况：30出头，妻子在家，儿,6岁;女,半岁。

   　　注：2周发一次工资，一年26次，无其它收入（开会，培训,都是开自己车,然后,单位按里程报销，应该不算在收入里）。

   　　应发：26.2067/小时*80小时=2096.54

   　　扣除：联邦税：93.68 ；市税：11.88； 州税：59.33； 社安税：129.99； 医疗照顾税：30.4；401（k）：62.9；457：120

   　　实发：1588.36

   　　现在,算退税，算下来,去年,全年能退1700左右（去年,多了个小孩，2个小孩,大概能省3000块的税，所以,全年总收入,约为1588*26+1700=42988，平均每月3580 。

   　　注：

   　　401（K）是指-退休金，一般自己投钱进去，然后,单位按比例,再投一部分进去，比如,单位是投自己的3倍，一般公司的话,不会给这么多。这笔钱,现在免税,要存到专门账户，65岁以后,才能取，提前取的话，交税后,还要交10%的罚款。此账户属自己管理，有基金，债券等,可供选择投资，风险自负，所以,有稳定的债券,有风险大的股票基金供选择，看个人的承担风险能力了。一般,快退休的,会选择收益稳定的债券之类;年轻些的,会选择风险大些,收益相对高的股票基金之类。

   　　457 是自己选择投钱的一个账户（也可以不要），单位不投钱进去。免税,到一定年龄,才能取。也可投资债券或基金。

   　　扣除的医疗照顾税,不是为自己的，是因为-现在,65岁以上老人,可以申请医疗照顾（相当于医疗保险吧），所需要的钱,就由现在工作的人来出。

   　　福利方面：单位每个月,付了800的医疗保险,和120的牙科保险，是保的整个家庭。1家4口人,就全部包括了。看病的话,每次付10块钱（相当于门诊费），检查，住院之类的,有的项目,不用出钱，有的项目,出20%，每个人自付费用（不包括每次10元的门诊）全年不超过400，家庭不超过1200（不管多少人），超过后,就全由保险公司付。打个比方，老婆,去年生小孩，怀孕期间的各种检查，生产，加3天住院，小孩在医院的费用，自己最后掏了500块钱左右。牙齿方面,除了每年每人2次洗牙,完全免费，其它的,要出20%，最多保险公司给出每人1000，所以,有牙齿方面大的修补的话，一般会分成2年,或几年来做。其他福利,就是单位给买了人身保险，额度是一年的工资。另外，工资每年涨4%左右，一年,除了11个公共假日，有12天休假，大概10天左右的病假。（病假,随工作时间增加,且可以累加到以后年度。）

   　　还有,小孩从学前班,到高中毕业,不用花学费，这应该算是全美国的福利了。

   United States civil service payroll and benefits, date :2012-03.
   When the civil service in the United States, wages posts. The United States Civil Service users can not help but release of the payroll and benefits.
   Wages, posted sun drying. Just for everyone to understand the income of civil servants in the United States, regional differences, Internal difference. I hope after seeing, laugh it off.
   The basic situation: early 30s, his wife at home, children 6 years of age; female, six months old.
   Note: The two weeks are employees paid 26 times a year, other income (meetings, training, is to open his own car, then, the unit according to mileage reimbursement, it should be not included in income).
   Should be sent: 26.2067 / hour * 80 hours = 2096.54
   After charging: Federal Tax: 93.68; Municipal Tax: 11.88; state tax: 59.33; Social Security tax: 129.99; health care tax: 30.4; 401 (k): 62.9; 457:120
   Real hair: 1588.36
   Now count tax rebate, doing last year, the annual retreat 1700 (last year, more than a child, two children would be able to save the 3000 tax, so the total annual income is about 1588 * 26 +1700 42988 monthly average of 3580.
   Note:
   401 (K) – Pensions, generally put my money into, and then, pro rata, reinvested part into the unit, for example, voted 3 times the average company, then do not give so much. Money, tax-free now, to deposit into the special account after 65 years of age, in order to take in advance to take, pay taxes, but also pay a 10% penalty. This account is a self-management, funds, bonds, etc., to choose to invest your own risk, therefore, a stable bond, risky stock funds to choose from, look at the personal risk capacity. In general, retirement, will choose a stable income bonds and the like; younger will select risk, relatively high income equity funds like.
   457 is their choice to vote the money to an account (can not), the unit does not put my money into. Exemptions, to a certain age, to take. You can also invest in bonds or mutual funds.
   Health care tax deduction, not for themselves, because – now aged 65 and over can apply for medical care (equivalent to health insurance), need the money, now work out.
   Welfare: units per month, paid 800, medical insurance, 120 dental insurance, is the security of the entire family. One of four people, all included. Doctor each pay 10 dollars (equivalent to the out-patient charges), check, hospitalization, and some projects do not have money, some projects, 20%, everyone pays the costs (not including each 10 $ out-patient) throughout the year over 400 families does not exceed 1200 (regardless of how many people), after which, on full pay by the insurance company. Analogy, his wife, last year, a baby during pregnancy check, production, plus three days of hospitalization, the cost of the child in the hospital, his last dig about 500 dollars. Dental aspects of scaling in addition to 2 per person per year, completely free of charge, the other to 20%, most insurance companies are given per person per 1000, so the teeth large repair, is generally divided into two or years to do. Other benefits that unit to buy life insurance, the amount is the annual salary. In addition, the annual wage rose about 4 percent a year, in addition to 11 public holidays, 12 days vacation, probably about 10 days of sick leave. (Sick leave, increase with the working hours, and can accumulate to a later year.)
   Also, children from preschool to high school graduation, without having to spend tuition, which should be the welfare of the United States.

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