Three ways for American immigrants to retire

# American Immigrants # Introduction The design of American retirement system is flexible. Many elderly people choose to postpone retirement. As long as you are working, the boss is willing to hire you. If you live in the United States, you will find that many elderly people are engaged in various service industries such as tourism and catering. Here are three ways that American immigrants have not completed their retirement. Welcome to read!

Three ways for American immigrants to retire

1. Retire early. You can start to receive a pension at the age of 62, but you have to get a 30% discount. For every month of delay in receipt, the discount will be less than one point.

Normal retirement

According to the different dates of birth, the Social Security Bureau of the United States has set different normal retirement ages, such as those born before 1937 and 1937, whose retirement age is 65, and those born between 1943 and 1954, whose retirement ages are 66, 1960 and 66. People who retire within the normal retirement age can receive a full pension.

3. Delayed retirement

Those who choose to postpone retirement can also get incentive benefits on the basis of the original pension. If your normal retirement age is 66, and you choose to retire at 67, then you can get 108% pension every month. If you choose to retire at the age of 70 or later, you can get 132% pension every month.

This voluntary and gradual retirement system design allows people to make choices according to their own conditions. The proportion of pensions, especially the incentive benefits for delaying retirement, encourages Americans to delay retirement to some extent.

Article 2 Insurance knowledge of American immigrants

The United States has always been welcomed by China people. In recent years, many people immigrated to the United States, and investment immigration cut off many people's dreams. The American Elite Program recently launched by Wynn Immigration Agency is very popular in China. It is easy to study in the United States with low cost and has the opportunity to immigrate to the United States. After immigrating to the United States, American insurance has become a common sense that new immigrants must understand. Automobile, housing, health, life and business are the five most closely related and common insurances.

First, travel to the United States, the role of buying medical insurance: many large insurance companies in the United States have travel accident insurance, mainly in the event of falls, falls and other accidents, you can rely on travel accident insurance to see the emergency department, and the cost of such insurance is very low.

Second, the proportion of Americans' income to buy insurance: The overall financial thinking of Americans is different from that of China people, and there is a formula that everyone abides by. If you can do a pension, such as 40 1K, IRA, if you have children, you can also do an education fund, and then do investment life insurance. Simple life insurance should be bought, but general investment life insurance will be done after the pension and education funds are full.

Iii. Life insurance in the United States: There are many options for life insurance in the United States, and the more traditional one is called "whole life insurance". Few people buy this kind of insurance now, because the interest rate environment is not good, the fixed rate of return of 3%-5% is relatively low, and the conditions are harsh. It must be paid every month. If you don't pay it for a month, the whole policy will be gone. The other is called "universal life insurance", which is investment insurance, and there are two types: exponential insurance and variable insurance. Index is index insurance, which guarantees the bottom and the upper limit. Every index fund is different, it will lose some time, but it also avoids some worst times, so this is very popular now. Variable means that you invest in the stock market and choose different funds yourself.

Americans can buy insurance tax-free: life insurance is absolutely tax-free. As long as this insurance exists, it is tax-free to borrow money by yourself or leave it with your family in the future. China people invest their money in the American stock market, buy stocks and mutual funds, and pay taxes when they earn money. However, if they put their money in life insurance, plan and manage it well, they won't have to pay taxes all their lives.

5. American medical insurance claims for diseases in China: If it is travel accident insurance, it can be handled in the United States. When you go to the hospital, you just need to show your insurance card. You pay part of the medical expenses yourself, and the insurance company will pay part of it for you.

Article 3 Naturalization Conditions for American Immigrants

Applicants must live in the United States for five consecutive years after obtaining permanent residency, which is the minimum residence period for obtaining American citizenship. During this five-year period, the applicant cannot leave the United States for more than half a year in a row. If it is more than half a year, he must provide proof that he has no intention of giving up his residence in the United States. If the applicant leaves the United States for a long time, his residence time in the United States will be recalculated and the time for applying for naturalization will be extended accordingly.

A foreign citizen who marries an American citizen must remain married for two years before both husband and wife can apply to the Immigration Bureau for naturalization. The new immigration law stipulates that foreign citizens who are married to American citizens or permanent residents should apply for naturalization as soon as possible as long as they meet the conditions for applying for American citizenship, so as to become American citizens as soon as possible and enjoy all the rights as American citizens. But the prerequisite must be that the marriage relationship lasts for more than two years.

When applying for naturalization, the applicant must have lived in the United States for five consecutive years in the last six months and have lived in the local state or city for at least six months.

Applicants for naturalization must be at least 18 years old. Children under the age of 16 who have permanent residency in the United States can automatically acquire American citizenship with their parents if their parents have already acquired American citizenship. However, children aged between 16 and 18 must apply for naturalization independently. In addition, if the child is under 18 years old, one parent is an American citizen and the other parent is a foreigner, before the child reaches 18 years old, the parent with American citizenship can apply for naturalization on his behalf.

Applicants must have basic English reading, listening, speaking and writing skills. Applicants for naturalization should have a certain knowledge and ability of English. Immigration officials will give an oral interview to the applicants when examining their naturalization qualifications, and the applicants will answer the questions about American history and American government in English.

Applicants must behave well during their five-year stay in the United States. According to American immigration law, sexual intercourse with others, selling sexual intercourse or bigamy, or failing to perform maintenance obligations, as well as drinking and taking drugs are all bad behaviors and cannot be naturalized.

Applicants must have some knowledge of American history, constitution and immigration laws. It is mainly about the understanding of important events, figures, government agencies and rights in American history, as well as the understanding of the principles and important amendments of the American Constitution.