How to treat the middle class scrambling to immigrate to the United States

Hello, American imperialists are vanity fair for the rich, Eden for the poor (slightly exaggerated), and the middle class is really hard to say. Middle class. What? Pessimists say it's a nightmare, optimists say it's both an opportunity and a challenge, and liberals can't give a simple and direct answer. Again, each has its own advantages and disadvantages and needs. For this "immigrant father" and future prospective immigrant parents, immigrating to the United States is definitely not the redemption of previous sufferings, but the beginning of another journey full of surprises. Yes, it will be a surprise.

1. About education and school districts.

Yes, American Emperor also has a school district. Different from China, the school district of American imperialists only tests parents' financial resources. Good school districts (except the top schools) have richer educational resources, and most public schools score above 9 (the highest score is 10, except private schools).

There are houses for sale and apartments for rent in the school district. If the economic conditions are better, buying a school district means that your children can enjoy free education in public schools here unconditionally. From K to 12 grade, it is the stage from preschool to senior three in China. Poor economic conditions, you can rent an apartment in the school district. As long as you are a resident of this school district, yes, not a citizen, and provide your proof of residence (utility bill and driver's license), your children can receive free public education here. At this time, some people may say, who said it's free? Don't schools often ask parents (Weibo) for donations? That's a request, not a request. You can choose to donate or not. The reality here is that Asian immigrants and traditional white families (not racial discrimination) usually donate money, ranging from tens to hundreds of dollars depending on the family situation. Other nationalities that are not listed donate less.

Back to the topic of housing, the price of school district housing ranges from hundreds to millions, depending on the location and school district. What needs to be pointed out here is that the appreciation of houses in the United States is very slow, and property tax is paid every year until the owner dies and the heirs continue to pay. Take Southern California as an example. The property tax here is 65438+ 0.5% of the total purchase price. After 70 years of payment, it is another set of house money. Moreover, it is based on the transaction price of the house, and there will be higher taxes for high-priced buyers. The price of serviced apartment in a good school district will also be very high, and the only price lever has divided social classes. The children in the classmate area are basically from the same family background, so they won't be privileged, but there are special concessions (many schools have special courses and services for disabled children, so that disabled children can learn and grow together with ordinary children). Buying or renting a house? Decide according to your own conditions. Whether renting or buying, there is a set of complicated processes and tricks, which will be analyzed separately in the future.

2. About employment or entrepreneurship

When the American emperor comes, he still wants to live. What is the source of income? Based on the analysis of the whole family emigrating to the United States, the Yan family (specifically, the father makes money at home, the mother takes the children to live abroad, and the father flies to reunite with his family every season like a wild goose) is another topic. It is not good for people who have immigrated to invest to apply for subsistence allowances. Let's talk about employment first. If the immigrant family comes from a family with high knowledge or special skills and has passed the basic English, congratulations, maybe you will have a chance to return to your old job. Code farmers are the easiest to find a job, but you can basically see the end of your career, staff, senior staff, manager? That's it! Yes, if you are still a management and a modest leader in China, you should put down your attitude as soon as possible. There is no shortage of local managers and Indian management groups, and most East Asians are engaged in high-tech implementation work. Just look at the discrimination against Asians at this year's Oscars. This is a fact.

His specialties are music, dance and sports. It is also easier to find a job and start your own business. Others, specifically those with liberal arts background (literature and business, economic management history), regret to tell you that your chances of applying for a job are very low, if you still want to do a decent job like that in China. Most enterprises in China are SMB or small workshops, and there is no room for a big cow like you. American companies have high requirements for language and contacts, so maybe you are not suitable. Today's immigrants are not the class that smuggled or sheltered twenty or thirty years ago. Restaurants, dry cleaners or China agents can take refuge. White-collar workers who used to go in and out of top office buildings in China may be waiting for you in the United States, such as busy and boring family life or Chin Li Group. Feng, a junior college student, is only a manicurist in a nail salon in Flushing, and her status as an online celebrity has not helped her attract more customers and bigger business. How can I live without a job? This problem needs to be thought over in advance.

Start a business? That's a good idea. The entrepreneurial environment in the United States is very relaxed, and the procedures for registering a company are simple and the cost is low. As long as you make a good plan, find the right market, find a good partner and don't lack funds, congratulations, you can try your great ambition in another sky. This journey, there are more (jian) interesting (xin) experiences waiting for you. What can be explained is that there is no need for hidden rules, no need for relationships, and no need to look into the eyes of government departments. How's it going? People with money, projects and reliable partners, give it a try.

3. Medical insurance

This is the most difficult topic in the United States, and as immigrants, you are no exception, which is even more difficult. You must be prepared for those people who have moved from big cities in China. First of all, insurance! Insurance! Insurance! It is difficult to see a doctor without insurance. Let's start with the American medical system. The United States is the only developed country without universal health care. Simply put, it has no universal health insurance. We'll talk about Obamacare reform later. Those who are busy asking questions can keep their voices down for a while. Most hospitals and clinics in the United States are private. Yes, the private sector needs to consider income, and the services provided will consider costs and benefits. There are few public hospitals, mostly in poor areas.

Hospitals are places for first aid and surgery. There are specialized testing institutions and laboratories for testing (inspection and testing), some are private, and some clinics are similar to domestic clinics, and are operated by doctors or a group of doctors alone. These three places may be very close, and more often they are far apart (in terms of driving). If you have a headache and want to see a doctor immediately, I'm sorry, there is no appointment, and the probability of seeing a doctor is zero. Except for some pediatrics, most doctors don't accept walking in. You can only go to the hospital or some medical institutions to see the emergency or emergency. What is waiting for you will be sky-high medical expenses, which will be broken down later. Even if it is insurance, the part paid by individuals will range from tens to thousands of dollars. If you don't have insurance, you can go home crying or wait for the blacklist of American credit institutions (this will be a very serious problem).

For the smallest example, the cost of a B-ultrasound examination may be several thousand dollars or even more. The rest will be broken down next time. If you have an employer, that is, your company has bought medical insurance for you and your family, congratulations. As long as there is no serious illness, a family's out-of-pocket expenses will probably not exceed 6000 yuan a year (not absolutely). If you don't have an employer and want to buy your own insurance, you can buy the Obama medical insurance mentioned above. The annual insurance cost of a family of three is about 9000 yuan (the part paid to the insurance company), in addition to the deductible or deductible amount paid to doctors and hospitals for each visit, with different rates.

Maybe someone will say, I'm in good health, so can't I not buy insurance? Maybe after the implementation of Obamacare, people who don't buy health insurance will be fined, about one year in 900 yuan. Many "healthy" immigrant families choose to pay fines instead of buying insurance, which is also a way. Measure for yourself. What if you don't buy insurance and don't want to pay a fine? Well, there is something called a medical white card. You can search to see if you meet the application conditions (not to mention investing in immigrant families). There are also many explanatory articles on the Internet, so I won't talk about them here.

Secondly, after talking about insurance, talk about seeing a doctor. Most immigrants' English is not good enough to communicate with local doctors, so many people crowded to see Dr. China. Well, let's wait for a long schedule. Popular doctors in China may not accept new patients, and the appointment of doctors who accept patients may be within a few weeks. You're right. In a few weeks.

For example, if you have a stomachache and want to see a doctor, you need to make sure that the doctor you want to see is in your insurance coverage network. Simply put, don't look down on doctors who are not in your net. Ok, you called and said that I had a stomachache and wanted to see a doctor. The receptionist or nurse always answers the phone, and the doctor has no time to tell you this. The front desk said, ok, when can I come to see it next month? Next month? I have a terrible pain! The other party will say call 9 1 1 or go to the emergency room. We can't see you. What? You are confused, but this is your only way out. Otherwise, buy some OTC stomach medicine and take it until the day you see a doctor.

When I saw a doctor, the doctor said, I need to check your condition before I can determine the next treatment plan. Here are some tests. You call to make an appointment for an examination. I'll tell you the next step after the inspection, and then you can make an appointment with me. So you called to make an appointment for gastroscopy, and the other party told you that you could come in two weeks if you have time. What? Two weeks later. In addition, you need to pay hundreds of dollars extra in co-payment or deduction for this check, which is not covered by insurance. What? Still have to pay? Yes, if you can't pay in one lump sum, you can pay in installments, and the other party kindly reminds you. Two months passed, and you finally had a check-up and paid the money. The doctor told you that your last attack was acute gastroenteritis, and you were cured by taking OTC medicine yourself. So I don't need to prescribe medicine for you. Go back and take care of yourself. When you see this, will you think of those lovely beasts? Hehe hehe. This is just an example. There are many examples of seeing a doctor in America that make people laugh and cry. Let's break them down later. Like going to the dentist, like wearing glasses. Many small and medium-sized companies do not buy dentists and vision insurance for their employees, which is too expensive. Besides, most people in China have bad mouths, so the story of going to the dentist in the United States can already be written into a book. Many people choose to go back to China to see their teeth during the holidays. Actually, it's really a good choice. Visiting relatives and friends is economical and practical.

After these three things, conservative liberals should sum up. If the middle class comes to the United States to give their children a clean sky, a bottle of pure drinking water, a safe lunch and a relatively relaxed childhood, and you are psychologically and economically prepared for all the challenges that may occur above, then come on! This is a paradise for ordinary people. You can live a relatively dignified life, without privilege, struggle, power, and too many supercilious eyes. If you are a genius or a geek, the previous environment makes you feel out of place, and the United States is also a good choice. No one dares to comment on you publicly. As long as you don't break the law and influence others, you can indulge in your own world without worrying about external pressure.

Again: psychological and financial resources! Without these two preparations, immigrating to the United States is not a trip that you just leave, but another trip full of unknowns and challenges. Those who are not strong enough in heart and financial resources are advised to live and work in China, which is getting better and better, and continue to work together to realize the four modernizations.

Hope to adopt thank you! Our skilled immigrants in Canada are RMB 300,000, and there is no charge for failure! !