靠，segregated fee又涨了，这涨幅超过10%

 

一年1000刀被搜刮了，UW-Madison简直穷疯了，NND

明天国会表决新得H1B法律，众多美国留学生关注啊。

这帮子美国人现在经济危机了怪外国人，真是白痴。除了印第安人，谁不是移民，还分个先后？奥巴马上台的弊端开始了，黑人就是不可靠！

还是下面的文章牛！

 

When I was pursuing PhD from a top US university, my advisor was a US-born
professor. At my previous two jobs, my bosses are both US-born, smart and
powerful. I respect them. I may never be able to reach their level in my
life, but I hope my kid(s) can. This is the reason I came to US, because it'
s a place that recognizes and rewards one's ability.

On the other hand, it's a shame that USA, being the only superpower in the
world, produces high school graduates who cannot do simple math. If one can'
t do simple math, how can s/he get a job in high tech or banking? The one
who needs a calculator to get 0.8 x 9 = 7.2 is a real life example: it's one
of the undergraduates in the top school I TA'ed when I was a graduate
student, and the course is a quantitative one.

Most H1-B's, including myself, lead a balanced life as well. I do not work
24/7. I earn more money than an average American only because I'm smarter
and because I receive much better college education from my home country and
graduate school education from US. Coming from countries that are not as
rich, we know the virtue of saving. We do not borrow from credit card to
spend on things we don't need, nor do we buy homes we can't afford. Yet we
are paying the price when the irresponsible Americans are getting aids from
US government. It's our tax money as well.

Most legal H1-B's, as well as our families, add values to this country. We
abide by law, we are smarter than average Americans and we are hard-working.
When we become citizens, USA will have more intelligent people and more tax
dollars. Yet we have been the scapegoat every time there's a crisis. On the
other hand, many of the uneducated illegal immigrants get a lot more
positive media attention. Most of them do not pay taxes, yet they can still
receive their green cards, sometimes much faster than we do.

As I mentioned before the problem with US is it's become too bipolar. The
smart get everything: higher income and more ways to evade taxes. The dumb (
due to bad education) become poorer (relatively) and are manipulated by the
smart and the media into blaming somebody else for their (theirs, and the
policy maker's) own fault. The system is not working well. It's the problem
of your president and your congressmen, elected by your people.

Finally, as some people have already pointed out, don't forget that most of
the Americans were immigrants or offsprings of immigrants.

花旗集团16日提早数天发布的季报显示，该行去年第四季度巨亏82.9亿美元，为连续第五个季度亏损，这也使得花旗在整个2008年的亏损创下历史新高。为了减轻压力和改善盈利能力，花旗当天宣布将把旗下业务一分为二，并有意最终将部分非核心业务剥离出去。

花旗原本要到22日发布季报，但临时调整到本周五。至此，花旗2008年全年的亏损可能超过180亿美元，为有史以来最大年度亏损。为了缓解压力，花旗16日同时宣布了传闻中的重大资产重组计划。

根据声明，花旗集团将拆分为“花旗银行”和“花旗控股”两部分。花旗银行将保留集团在100多个国家的传统银行业务；花旗控股则将纳入一些“非核心”的资产管理、消费金融业务和经纪业务等，主要包括CitiFinancial、Primerica金融公司以及花旗在日本的子公司——日兴资产管理公司。花旗CEO潘伟迪16日表示，按照他的计划，最终集团会把这两项业务完全剥离出去。花旗控股还包括一个“特别资产池”，其中主要是一些去年11月获得联邦政府担保的非优质资产。

受到金融危机沉重打击的花旗集团正在一步步从以往的“金融超市”模式走向解体，本周初，花旗刚刚与大摩达成协议，将把旗下经纪业务美邦公司的控股权转让，后者将被纳入一家由大摩主导的合资券商。

迄今为止，花旗已获得政府注资450亿美元，花旗的发言人16日拒绝透露，该行是否还会寻求进一步的政府注资。 (本文来源：上海证券报 作者：朱周良)

 

另外，美国第二大电子零售商（相当于中国的苏宁）宣布倒闭，34,000员工失业。哎默哀啊，美国经济真的要挂了么？

 

What's going on at Circuit City?

• Due to challenges to our business and the continued bleak economic environment, Circuit City is going out of business and the company's assets will be liquidated to pay off creditors.
• The process was extremely difficult and we were left with no other choice but to liquidate.  Circuit City had a proud heritage of serving the public for 60 years and we deeply regret the impact this decision will have on our associates, our customers and the communities where we have operated stores and other facilities.
• We had hoped to be able to emerge from Chapter 11 bankruptcy protection as a stronger, more competitive company and we made significant progress during the reorganization to improve our business.  Unfortunately, the economic climate is so poor that we have no choice other than liquidation.
• Liquidators will start arriving in our 567 stores across the U.S. over the weekend, and closing sales will start as early as Saturday, January 17.  Closing sales will run as long as it takes to sell existing inventory, but are expected to wrap up by the end of March.  When the liquidation sales are completed, the stores will be closed.
• At the company's corporate offices in Richmond, Virginia, a small staff will remain on duty during the completion of the liquidation process; most associates will be relieved of their duties immediately.
• Consistent with federal labor laws, Circuit City associates are receiving 60-days notice of the termination of their employment.  Those who stay on to help with the liquidation, of course, will receive pay and benefits. Those who are dismissed earlier will be receiving pay and benefits for the 60-day period beginning January 16, 2009.
• Associates at our company headquarters will be asked to come back on Monday, January 19, to find out more about their status and to retrieve their personal belongings.   

2008年过去了，拿出来Payroll看看第一次在美国的TA彻底一年的收入水平， 这里去除暑假的TA或者其他工作的收入，那个也是救不了近火。

 

1. 月工资收入：$1,489.00 (9个月)

2. 月联邦税：$145.70

3. 月州税：$62.50

4. 保险每月：$13.50（12个月）

5. TAA：$22.30（每个payroll）

6. Segregated Fee：$445（一学期）

注：中国公民享受前5000免税，所以2、3两项全年的扣除分别是779.10和332.00

 

因此，全年收入： $1489 * 9 = $13401

非生活支出：$779.10 + $332.00 + $13.50 * 12 + $22.30 * 9 + $445 * 2 = $2363.8

 

 

 

 还好偶做RA了，至少免除那每个月只拿钱不干事情的组织的强制收费！

 考一考你:下面的中文词语里哪一个是来自日语的外来语。

服务、组织、纪律、政治、革命、党、方针、政策、申请、解决、理论、哲学、原则、经济、科学、商业、干部、后勤、健康、社会主义、资本主义、封建、共和、美学、美术、抽象、逻辑、证券、总理、储蓄、创作、刺激、代表、动力、对照、发明、法人、概念、规则、反对、会谈、机关、细胞、系统、印象、原则、参观、劳动、目的、卫生、综合、克服、马铃薯。

答案：统统都是，全部来自日语。没想到吧，其实，来自日语的中文还远远不止这些，数不胜数。虽然日语的文字源于中文，但上面这些词语可都是日本人的创作。

随便举例，“经济”在古汉语里的意思是“经世济民”，和现代汉语的“经济”没有任何关系，这是日语对Economy的翻译。“社会”在古汉语中是“集会结社”的意思，日本人拿它来翻译英语的Society。“劳动”在中国的古义是“劳驾”的意思，日语拿它来译英语的Labour。“知识”在古汉语里指的是“相知相识的人”，日语拿它来译英语的Knowledge。而我们又统统把它们变成了中文。

1 卢森堡 43,940 2 挪威 43,350 3 瑞士 39,880 4 美国 37,610 5 ★★★★★★★日本★★★★★★★ 34,510   亚洲 6 丹麦 33,750 7 冰岛 30,810 8 瑞典 28,840 9 英国 28,350 10 芬兰 27,020 11 爱尔兰 26,960 12 奥地利 26,720 13 荷兰 26,310 14 比利时 25,820 15 ★★★★★香港★★★ ★★ 25,430 　亚洲 16 德国 25,250 17 法国 24,770 18 加拿大 23,930 19 澳大利亚 21,650 20 意大利 21,560 21 ★★★★★新加坡★★★★★ 21,230 　亚洲 22 西班牙 16,990 23 科威特 16,340 24 以色列 16,020 25 新西兰 15,870 26 巴哈马 15,110 27 ★★★★★澳门★★★★★ 14,600 亚洲 28 希腊 13,720 29 塞浦路斯 12,320 30 葡萄牙 12,130 31 ★★★★★★韩国★★★★★ 12,020 亚洲 32 斯洛文尼亚 11,830 33 巴林 11,260 34 波罗黎各 10,950 35 马尔他 9,260 36 巴巴多斯 9,270 37 安提瓜 9,160 38 ★★★沙特阿拉伯★★★ 8,530 　亚洲 39 阿曼 7,830 40 帕罗 7,500 41 塞舌尔 7,480 42 特立尼达和多巴哥 7,260 43 圣凯茨和纳维斯 6,880 44 捷克 6,740 45 匈牙利 6,330 46 ★★★墨西哥★★★ 6,230 47 克罗尼亚 5,350 48 波兰 5,270 49 爱沙尼亚 4,960 50 斯洛伐克 4,920 51 立陶宛 4,490 52 智利 4,390 53 哥斯达黎加 4,280 54 巴拿马 4,250 55 毛里求斯 4,090 56 拉脱维亚 4,070 57 圣卢西亚 4,050 58 黎巴嫩 4,040 59 格林纳达 3,790 60 乌拉圭 3,790 61 ★★★★★★马来西亚★★★★★★ 3,780 　亚洲 62 阿根廷 3,650 63 加蓬 3,580 64 委内瑞拉, 3,490 65 博茨瓦纳 3,430 66 多米尼加 3,360 67 波里茨 3,190 68 圣文森特 3,300 69 ★★★土耳其★★★ 2,790 　亚洲 70 南非 2,780 71 牙买加 2,760 72 巴西 2,710 73 马歇尔群岛 2,710 74 ★★★★★★俄罗斯★★★★★★ 2,610 75 斐济 2,360 76 罗马尼亚 2,310 　 77 ★★★马尔代夫★★★ 2,300 　亚洲 78 突尼斯 2,240 79 萨尔瓦多 2,200 80 ★★★★★★泰国★★★★★★ 2,190 　亚洲 81 秘鲁 2,150 82 保加利亚 2,130 83 密克罗尼西亚 2,090 84 多米尼加 2,070 85 苏里南 1,990 86 ★★★★★★伊朗★★★★★ 2,000 亚洲 87 马其顿 1,980 88 瓜地马拉 1,910 89 塞尔维亚 1,910 90 阿尔及利亚 1,890 91 纳米比亚 1,870 92 约旦 1,850 亚洲 93 哥伦比亚 1,810 94 厄瓜多尔 1,790 95 ★★★哈萨克斯坦★★★ 1,780 　亚洲 96 ★★★阿尔巴尼亚★★★ 1,740 97 萨摩亚 1,600 98 白俄罗斯 1,590 99 波黑 1,540 100 凯普维达 1,490 101 东加群岛 1,490 102 ★★★埃及★★★ 1,390 103 史瓦济兰 1,350 104 摩洛哥 1,320 105 维纳阿图 1,180 106 叙利亚 1,160 　亚洲 107 土库曼尼斯坦 1,120 　亚洲 108 西班克和伽扎 1,110 109 ★★★★★★★中国 ★★★★★★★1,100 110 巴拉圭 1,100 111 ★★★★★菲律宾★★★★★ 1,080 　亚洲 112 洪都拉斯 970 113 乌克兰 970 　 114 亚美尼亚 950 115 ★★★斯里兰卡★★★ 930 　亚洲 116 吉布提 910 117 圭亚那 900 118 玻利维亚 890 119 克里巴提 880 120 ★★★格鲁吉亚★★★ 830 121 阿塞拜疆 810 122 ★★★★★★印度尼西亚★★★★★ 810 123 赤道几内亚 930 124 安哥拉 740 125 尼加拉瓜 730 126 ★★★不丹★★★ 660 127 迪沃瑞尔 660 128 喀麦隆 640 129 刚果. 640 130 所罗门群岛 600 131 莱索托 590 132 莫** 590 133 塞内加尔 550 134 ★★★★★★★印度★★★★★★★ 530 135 也门 520 136 巴布亚新几内亚 510 137 津巴布韦 480 138 ★★★★★蒙古★★★★★ 480 139 ★★★★越南★★★★ 480 140 ★★★巴基斯坦★★★ 470 141 苏丹 460 142 Comoros 450 143 贝宁 440 144 几内亚 430 145 毛里塔尼亚 430 146 Timor-Leste 430 147 ★★★乌兹别克斯坦★★ 420 148 ★★孟加拉★★ 400 149 肯尼亚 390 150 海地 380 151 赞比亚 380 152 Kyrgyz 330 153 加纳 320 154 ★★★老挝★★★ 320 155 尼日利亚 320 156 S?o-Tomé 320 157 ★★★柬埔寨★★★ 310 158 冈比亚, 310 159 多哥 310 160 布基纳法索 300 161 马达加斯加 290 162 马里 290 163 坦桑尼亚 290 164 中非 260 165 乍得 250 166 ★★★尼泊尔★★★ 240 167 乌干达240 168 卢旺达 220 169 莫桑比克 210 170 尼日尔 200 171 ★★★塔吉克斯坦★★★ 190 172 马拉维 170 173 塞拉利昂 150 174 几内亚比绍 140 175 利比里亚 130 176 布隆迪 100