Well said - US has lots of taxes and retirement is not easy!!! I truly enjoy staying in California with clean air, beautiful weather, simple/peaceful/quiet/simple life, and etc.
Making an “average” income doesn’t necessarily mean you are in the “middle class.” A 65k income for a family of 4 in a Los Angeles is hardly a middle class, but rather near the high-end of what I consider a “lower class.” Read this on New York Times: www.nytimes.com/2019/10/08/us/what-is-middle-class-in-california.html Of course in this video I assumed you would have to pay for your own health insurance, which most companies offer for cheap. My other video explains how the same family of 4 lives on an 80k budget. th-cam.com/video/2f4JfyVa5sI/w-d-xo.html
A middle class only means the income, not really means the expenses, because, if a family has a house, not rental, then, with mortgage interest deduction and not buying new cars, would be much lower expenses than new car owners and renters. Not taking PTO with trips and save money reduce the expenses further. I saved money this way and I can save over 1 mil in 20 years and I have 2 houses now. Not to live beyond your mean is the key to live a better future. Otherwise, one have to live paycheck by paycheck till retirement with no money to retire.
I think everyone should make their own decisions of how to enjoy life. I agree with what you said about living below means, but I wouldn’t judge those who are living paycheck to paycheck. That’s their own decisions. Some might say one can’t bring money to heaven, so why save when you can enjoy the moment? YOLO😆😆!
As a long time resident of Los Angeles I like to say a few words for I have been here most of my life. I came here as a young kid since 1947 And I’m now 85 years old. I think you have over blow the cost of living expense that might discourage the new immigrants of their intentions Who try to settle down here in Los Angeles. First of all as new immigrants you really don’t have to pick Redondo Beach because it’s a high rent Area especially you have English problem, you should pick an area that fits your budget. My youngest daughter living in Redondo Beach and owns Two houses and renting the other 3 bedrooms for only $3250 per month and located close to the beach. The point is for new immigrants that’s Not an ideal place for them when you are not fluent in English. Especially if you are coming from HongKong you have to adopt the living style here And don’t ever think hiring a house keeper and have to do all the house work by yourself from now on. I raised three daughters and they are all With college degrees with good paying jobs and they were all American born, (ABC). And their mother was from HK whom I married when I was In the U.S.Army in Korea, and that was more than 60 years ago. What I like to say to the new immigrants is work hard like I was as a kid after school I sell newspapers on the street corners and work in a Chinese restaurant over the weekends as busboy and later waiter. I retired 26 years ago as a Banker of 38 years, 16 years in a major bank and 23 years in a Chinese American Bank as a loan officer. If I can do it, so can you !
Mr. Ung, good old days selling newspapers on the street and work as bus boy on weekend days are gone. Who is going to hire you just for the weekend unless the boss is your parents. If new immigrants stay in China town area, they will never learn the real English. Have you seen how many foreigners in Alhambra, Monterey Park and San Gabriel school districts. They all speak and read Chinese. How are you going to be able to communicate once you are out of China town. People wants to come here for a better life as they thought when they are in Hong Kong, they think USA is land of opportunity, right. This is the same thinking in the 70s that China people think gold is everywhere in Hong Kong. Now, this is 2021, wake up and smell the roses. For the smarter families, they remain in Hong Kong and send their kids north to china for better universities opportunities. That is where the growth will be in the next half century. You already retired, you already got your retirement figured out, but the new generation with little English experiences will be no match for the locals. And don't forget we have yellow color and black hair !!! By the way, in the future years, why should city of Hong Kong be treated any different than other cities in China ? From history books, Hong Kong got screwed by the eight countries who invaded China, but hey, that's before we were born, tough !!! But going forward, people in China and Hong Kong will all be treated the same. Therefore, while Hong Kong still has what ever left as advantages, they should move on and stop burn our own city of Hong Kong.
Wow that’s an amazing story of you! I can only imagine how difficult life was in your times moving to a different country. In contrast, people nowadays are so fortunate to have all the resources they need, without having to figure out what their next move is. To be honest with you, I wasn’t trying to scare people away by giving those numbers, which I believe accurately reflect what I envision as a “middle class” lifestyle here in LA. I have coworkers and friends who live well beyond those numbers, and some sadly live paycheck to paycheck. The way I see it is how many Hongkongers already enjoy an inflated lifestyle, and I do not believe it is reasonable to ask them to make any sacrifice after moving here. Of course in reality they will have to regardless, but that’s something they need to figure out on their own. I made two follow-up episodes detailing money-saving tips and social benefits here: 一家四口年省36萬港幣 開支一覽 【第2集 節儉中產】 th-cam.com/video/2f4JfyVa5sI/w-d-xo.html 領取政府福利 補助 一家四口 【第3集 低收入】th-cam.com/video/G9EM3ckpNsI/w-d-xo.html
@@johnchan6664 John, there are still a lot of part time work opportunities nowadays, they are just not as old-school as busboys and paperboys. There are Uber, Lyft, Postmates and the like (which I will go over some episode down the road haha). But of course you bought up a very good point-immigrants need to beef up their English skills living in an English-speaking country, or else they will forever be a second class citizen. While I might not agree 100% with you politically, I do believe Hongkongers need to face the reality. Hong Kong will not receive the same level of attention as it used to.
Unless innigrants have millions of US dollars before coming to US, they should not really be spending a lot of nomey with expensive rental and buying new cars in resort style of living. Only two family members both have above 12k each, can afford 2 new cars and high rental cost if they still plan to save money to buy a house
Hi I think, in LA, if one came before 2008, houses were still affordable by then, and you still can buy a house for about 500 K to 600 K, but now, it is about 850 K now, much more higher. I brought my first house in 2003 for 350 K and my second house for 980k in 2017. If one has brought the first house, it is easier to buy the second house. I never buy new cars. Never take PTO for past 20 years. Only paid some one to mow the lawn once. Never paid to wash car. Never pay for hotel or motel after 30 years old. Except, I went travelling before I became 30, Malaysia, HK, S America, when I was young. May be, this is not the life style many people wants, but it works for me.
Yes the Los Angeles housing market has been on a steady rise since the 08 housing bubble, and investing in real estate is almost always a good idea. It takes a lot of sacrifice to be a homeowner, especially during the first few years. Hope you can inspire others to follow your path!!
A lot? Especially if you watch sports, or if you are old school enough to still keep a landline. My coworkers pay upwards of $200 per month for the package, not to matter Netflix, Hulu, etc. This is one of the reasons why a lot of Americans live pay check to pay check.
The is true, I am paying $130.00 for a bundled service from Verizon (high-speed internet, Cable TV, and a landline Phone), not including cell phone services (4 cell phones additional $140.00)
12:15
愛「車」，音：居
(成語「車水馬龍」的車，是讀“居”； 又如，「將軍抽車」的車，亦是讀“居”)
我做了少少的研究，在這個情況，我覺得車、居也可以。心愛的汽車就是愛車吧？在特定情況中，車應讀成居，但例如「翻車」，你不會讀成翻居；杯水車薪，都不會是杯水居薪吧？
可以看看康熙字典：www.kangxizidian.com/kxhans/%E8%BB%8A
🙏
我在香港是做社工
請問洛杉機有華人社工工作的職位嗎？有無相關資料可睇到？有香港社工牌，係美國做社工有咩申請手續？
感謝！😊
唔好意思，依方面唔太熟！華人嘅話，我諗係XX社區中心會有社工方面嘅需要，你可以問問：www.ccyp.com/subject_sca_area/list/C30/%E7%A4%BE%E5%8D%80%E6%9C%8D%E5%8B%99
Great information for those who want to move to LA. Love the way how you calculate the living expenses and tell the truth to the audience. Thumps up!
Thanks Chris!!
打份基層工作 麥當勞之類
月入扣稅有多少？
可以看另外一集，我講解了最低工資的開支，稅大概是10%-15%左右。th-cam.com/video/6NZqlUSq63Y/w-d-xo.html
係LA嘅香港人留下言。大家互相幫下忙。如果可以可以大家一齊埋下堆。可以得閒聚下！
好啊😉😉
@@TommyHoLA chino就舉手先
@@地球上的人-s3m 我都好多朋友住Chino！ 我住San Gabriel 附近。
@@TommyHoLA 可以聚下都
移民黎到美國富有富生活窮有竆生活。有個家庭两夫妻二子女，夫在家照顾很早偷渡来的老父（有绿卡）政府医療福利部每星期付给7百多元，老婆在餐馆做疫情后在老番汽車外賣店做每小時14块，各人带一孩子報税付很少税，有免费医保，租一两房公寓1300元有一辆車生活唔错呀。
係啊，講得啱！每個人都有唔同嘅生活方式，最緊要都係知足常樂嘅啫。而且美國最好就係社會福利制度唔會餓死人！
@James Yiu 當早少少俾小朋友認識現實社會嘅殘酷啦....
Well said - US has lots of taxes and retirement is not easy!!! I truly enjoy staying in California with clean air, beautiful weather, simple/peaceful/quiet/simple life, and etc.
好多very important and 仔細和專業的details, 你粵語係很輕鬆， and very easy to listen to and understandable🍜🌮🥘🥟🍯⛹🏻♂️🧗♂️🏆🥇
好多謝好多謝，希望可以幫到你喇😍😍！
tommy多謝你的分享。入面個list只係約數，點洗錢，買咩車，用咩手機plan都係adjustable。
多謝你！係啊，美國生活係好豐儉由人，而所有事情都有得選擇。
我在美國居住，你講得太誇張，駛唔駛咁貴。工作位置高低燕梳是沒有分别，分別之處，是單身，夫婦及家庭。
單身還是家庭當然和保險保費有直接關係，但公司對員工保費的贊助額，就跟公司規模、行業和福利有關；而聯邦政府的補助額(Obamacare)，就和收入有關。
你係美國邊度住啊😂你係農村住同城市住差好遠
你係montana 幫富農耕田啊？
我也曾在加拿大住过四年,移民美国有幾好呀!税又多,語言又要重新學过,生活法規又要重新了解,一切從零開始,而且有預言2023年及2027年又有九级大地震,到時候能保命已很好彩.
住在每一個地方都有它的好壞，只要找到一個適合自己就好了！
很詳細的開支分析，南加州生活成本真的不低。
多謝 Eric! 這邊居住成本應該不及北加，不過小朋友開支真的很大！
不及北加意思是比北加低？
對呀！那邊生活指數實在太高，除非找到很好的工作，否則移民過去那邊應該很困難😔
灣區或三藩市可能會高一點，但大沙加緬度地區不見得生活成本會很高。住方面的開支是非常合理的。
@@erictmchan1 認同！不過現在疫情的關係可以在家工作，住在成本低一點的地方也可以！
12万5一年？夫妻兩人至少要穩18萬一個月？仲只係租樓？
125K一年開支的話，兩夫妻年薪除稅前就要搵大概175K，每個月係14.5K，或者11萬幾港幣。
Thanks for your sharing..
You are welcome Tom! Hope it helps!
Are you also overseas?
講得好好，又有數據👍
不過就誇大咗少少。
多謝多謝！不過其實這個開支並不誇張，而我也還未計算娛樂！我未做這個計算之前，也不知道在這裡生活需要那麼多的開支，但起碼我自己沒有用那麼多，真的很視乎你的生活態度！就好像我們華人多數都會由父母代為照顧小朋友，但很多人沒有這個機會。
可以看看我另外一集，我講解了如果節省開支！th-cam.com/video/2f4JfyVa5sI/w-d-xo.html
資料不準確，例如租金，不同区，不同大小，condo, townhouse, single house 租金分別好大。食更加多取不同价錢，
訊息誤導羣衆！移民美國首要考慮是年齡，語文程度和專業技能。開州際卡車可以年薪十多萬美元，但普通快餐飲食業在大城市卻只有五萬左右，還要交個人入息稅和醫療保險。是否適合移民要視乎個人適應能力，每年能夠支付十三萬開支的是中產專業人士，不是一般勞動階層。
如果有一定資產值，例如一千幾百萬，又何必看年齡、語言能力、工作機會和收入呢？而美國的「中產人士」的範圍很廣，視乎所居住的地方，就算年收六位數，都可能是夾心階層。在洛杉磯能花上十三萬一年的家庭，比比皆是。
新移民..邊有資格攞補助，入紙申請人單保你生话。就算用某種手段攞政府支助。將來入籍同你算帳。
補助都唔係每一個都唔申請得嘅，好視乎申請人嘅情況。而所謂影響入籍，其實係好多情況下，都係人對福利制度嘅誤解嚟，有機會我就講下依個話題。不過，絕大部份新移民根本就拎唔到補助，因為一係就做緊野，一係就有資產，都係努力啲做野把啦😆😆。
福利美國比英國好, 好似食物银行多得很，去攞就得無人理你，医療就去医院看医生来了帳单再去申请補助。
無資産，去醫院就OK. 有嘅，收到帳單仲掺過病。港福利比任何地方都好。
w t
而家香港有物好呀？住有差你估重甘易撈牙？红色企業做死你呀。
今日新聞平多多有個22歲靓仔突然死亡，他是做死的。
Your data doesn’t make sense
Avg American income is only 65k
Making an “average” income doesn’t necessarily mean you are in the “middle class.” A 65k income for a family of 4 in a Los Angeles is hardly a middle class, but rather near the high-end of what I consider a “lower class.” Read this on New York Times:
www.nytimes.com/2019/10/08/us/what-is-middle-class-in-california.html
Of course in this video I assumed you would have to pay for your own health insurance, which most companies offer for cheap. My other video explains how the same family of 4 lives on an 80k budget.
th-cam.com/video/2f4JfyVa5sI/w-d-xo.html
你同李嘉誠的average 都係幾百億架，係咪你有幾百億收入啊。 以後youtube 真係要有智力測試先可以留言
niceeeeee
Thank you!! 🤪🤪
can we be friends
A middle class only means the income, not really means the expenses, because, if a family has a house, not rental, then, with mortgage interest deduction and not buying new cars, would be much lower expenses than new car owners and renters. Not taking PTO with trips and save money reduce the expenses further. I saved money this way and I can save over 1 mil in 20 years and I have 2 houses now.
Not to live beyond your mean is the key to live a better future.
Otherwise, one have to live paycheck by paycheck till retirement with no money to retire.
I think everyone should make their own decisions of how to enjoy life. I agree with what you said about living below means, but I wouldn’t judge those who are living paycheck to paycheck. That’s their own decisions. Some might say one can’t bring money to heaven, so why save when you can enjoy the moment? YOLO😆😆!
👍👍👍
As a long time resident of Los Angeles I like to say a few words for I have been here most of my life. I came here as a young kid since 1947
And I’m now 85 years old. I think you have over blow the cost of living expense that might discourage the new immigrants of their intentions
Who try to settle down here in Los Angeles. First of all as new immigrants you really don’t have to pick Redondo Beach because it’s a high rent
Area especially you have English problem, you should pick an area that fits your budget. My youngest daughter living in Redondo Beach and owns
Two houses and renting the other 3 bedrooms for only $3250 per month and located close to the beach. The point is for new immigrants that’s
Not an ideal place for them when you are not fluent in English. Especially if you are coming from HongKong you have to adopt the living style here
And don’t ever think hiring a house keeper and have to do all the house work by yourself from now on. I raised three daughters and they are all
With college degrees with good paying jobs and they were all American born, (ABC). And their mother was from HK whom I married when I was
In the U.S.Army in Korea, and that was more than 60 years ago. What I like to say to the new immigrants is work hard like I was as a kid after school
I sell newspapers on the street corners and work in a Chinese restaurant over the weekends as busboy and later waiter. I retired 26 years ago as a
Banker of 38 years, 16 years in a major bank and 23 years in a Chinese American Bank as a loan officer. If I can do it, so can you !
Mr. Ung, good old days selling newspapers on the street and work as bus boy on weekend days are gone. Who is going to hire you just for the weekend unless the boss is your parents. If new immigrants stay in China town area, they will never learn the real English. Have you seen how many foreigners in Alhambra, Monterey Park and San Gabriel school districts. They all speak and read Chinese. How are you going to be able to communicate once you are out of China town. People wants to come here for a better life as they thought when they are in Hong Kong, they think USA is land of opportunity, right. This is the same thinking in the 70s that China people think gold is everywhere in Hong Kong. Now, this is 2021, wake up and smell the roses. For the smarter families, they remain in Hong Kong and send their kids north to china for better universities opportunities. That is where the growth will be in the next half century. You already retired, you already got your retirement figured out, but the new generation with little English experiences will be no match for the locals. And don't forget we have yellow color and black hair !!! By the way, in the future years, why should city of Hong Kong be treated any different than other cities in China ? From history books, Hong Kong got screwed by the eight countries who invaded China, but hey, that's before we were born, tough !!! But going forward, people in China and Hong Kong will all be treated the same. Therefore, while Hong Kong still has what ever left as advantages, they should move on and stop burn our own city of Hong Kong.
Wow that’s an amazing story of you! I can only imagine how difficult life was in your times moving to a different country. In contrast, people nowadays are so fortunate to have all the resources they need, without having to figure out what their next move is.
To be honest with you, I wasn’t trying to scare people away by giving those numbers, which I believe accurately reflect what I envision as a “middle class” lifestyle here in LA. I have coworkers and friends who live well beyond those numbers, and some sadly live paycheck to paycheck. The way I see it is how many Hongkongers already enjoy an inflated lifestyle, and I do not believe it is reasonable to ask them to make any sacrifice after moving here. Of course in reality they will have to regardless, but that’s something they need to figure out on their own. I made two follow-up episodes detailing money-saving tips and social benefits here:
一家四口年省36萬港幣 開支一覽 【第2集 節儉中產】 th-cam.com/video/2f4JfyVa5sI/w-d-xo.html
領取政府福利 補助 一家四口 【第3集 低收入】th-cam.com/video/G9EM3ckpNsI/w-d-xo.html
@@johnchan6664 John, there are still a lot of part time work opportunities nowadays, they are just not as old-school as busboys and paperboys. There are Uber, Lyft, Postmates and the like (which I will go over some episode down the road haha). But of course you bought up a very good point-immigrants need to beef up their English skills living in an English-speaking country, or else they will forever be a second class citizen.
While I might not agree 100% with you politically, I do believe Hongkongers need to face the reality. Hong Kong will not receive the same level of attention as it used to.
@@TommyHoLA 新移民一個人，你叫人去做Uber 司機，收皮啦！唔好害死人。
Unless innigrants have millions of US dollars before coming to US, they should not really be spending a lot of nomey with expensive rental and buying new cars in resort style of living. Only two family members both have above 12k each, can afford 2 new cars and high rental cost if they still plan to save money to buy a house
nice!
Thank you!! 🤗🤗
Hi
I think, in LA, if one came before 2008, houses were still affordable by then, and you still can buy a house for about 500 K to 600 K, but now, it is about 850 K now, much more higher.
I brought my first house in 2003 for 350 K and my second house for 980k in 2017.
If one has brought the first house, it is easier to buy the second house.
I never buy new cars.
Never take PTO for past 20 years. Only paid some one to mow the lawn once. Never paid to wash car. Never pay for hotel or motel after 30 years old.
Except, I went travelling before I became 30, Malaysia, HK, S America, when I was young.
May be, this is not the life style many people wants, but it works for me.
Yes the Los Angeles housing market has been on a steady rise since the 08 housing bubble, and investing in real estate is almost always a good idea. It takes a lot of sacrifice to be a homeowner, especially during the first few years. Hope you can inspire others to follow your path!!
几好
謝謝！
我在美国幾十年 不要相信他說 無句真
中產消費差唔多！保險，稅同小朋友初高中補習都好貴！
係啊，家家有本難念的經😥
美國公民是否全球收入税項？
是的，也包括永久居民和通常居住美國的人。基本上，所有地方得到的收入計法一樣。如果通常居住外國(一年330天或以上) ，就有海外收入免稅額，2020年的是USD$107,600。而海外交的稅項在美國也可以抵稅。之前這一集我簡介了如果計算稅金：th-cam.com/video/rAn6fuVpi6A/w-d-xo.html
資訊不盡不實, 有待相確, 要講明各人情況有別, 只供參考.
我片頭有講明！但我不認為一百萬的開支誇張，租的房子一般，兩台日本中價汽車開15年，托兒和醫療走不掉，食物和旅行為了小朋友也人之常情。我另外的兩集也講解了如何省錢。
I would say that Tommy's info is pretty accurate. Living in LA is not cheap.
無錢又無技能就唔好過來。 我係LA 20年，everything he said is pretty accurate.
Who would pay $120 monthly for ISP? This way of spending money and pay $2000 annually will make sure a family with go bankruptcy in the long run.
A lot? Especially if you watch sports, or if you are old school enough to still keep a landline. My coworkers pay upwards of $200 per month for the package, not to matter Netflix, Hulu, etc. This is one of the reasons why a lot of Americans live pay check to pay check.
The is true, I am paying $130.00 for a bundled service from Verizon (high-speed internet, Cable TV, and a landline Phone), not including cell phone services (4 cell phones additional $140.00)
認為誇大及假消息, 因為你們不是middle class level
希望沒有大地震, 怕怕😭
冇句真。
唔通開一個channel發噏風呀
我都在洛杉矶，有兴趣交个朋友我系台山人，喜欢搞网站和影片，现在有个华人网，也想找人一起做。我网站amlacn.com
手足快去快享受！
誇張了⋯不真實
你冇嚇親人啦，心地差
多謝多謝🙂🙂！
@James Yiu 沒有沒有 😆😆
吹大左wo 吾好害人啦7頭 係到9 up ,亂作數 你係咪住LA家？定我同你係平衡時空到？d洗費完全吾一樣既？
You are right, it sounds like, a San Marino guy moved into El Monte because of making a mistake of buying a house in the wrong town.
假消息。
邊度假？