回国7年的感觉：中国不是个适宜生活的地方
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想回国的都很在意回国后的收入问题，我看过很多帖子，好像集中在月薪2万元的居多。国内的没有出国的人，给我的感觉是，很多人的总收入不低。我一个北京的朋友，买了两套住房，一套在东四环，一小套在西直门（刚买的，出租用），现金大概120万（目前一年收益8万），身价大概在450万。深圳的一个朋友，房 2套，商铺1个出租，一个月收入（租金+薪水）大概在4万。另一个在华侨城上班的，一套房子月收租13,000元，自己住在华侨城提供给公司员工的补贴房子里，3房的，一个月2,500。有一个在华为上班的比较猛（搞技术的），一年加上分红可能要接近100万，原因是他是华为的老员工。基本上，在国内，稳定的人的收入，有相当一部分来自于“财产性收入”，不仅仅是薪水了。（当然，中国的广大地区的人们的收入，还是很少的。可是，海归们谁又会去那些地区生活呢？）这个情况，并非中国的普遍情况，但是，想海归的，难道不是觉得“至少”要达到国内中上级水平吗？
主要针对美国的讲，其实就是个比较。
衣：我相信，回国后不可能一直都在地摊上讨价还价吧，而且，实际上，地摊上的东西，一看就是很烂的。那么，如果跑到大商场里去买衣服，一个字：贵。价格不比美国大商场里的便宜。我不太在意衣着，因为正式装几乎穿不着。耐用的衣服如皮衣之类的，大概买3，000多价位的，其他休闲装，大概在300元以内。（回国之前，定做了两套西装，花了接近5，500美元，皮鞋在Las Vegas凯撒宫买了几双，回来到现在，一次没穿。）国际名牌，在国内卖的价钱，没有一个比美国的便宜。
住：一线城市北京、上海、深圳，不多说了，大家都知道情况，1500尺的“高档”房子，位置稍好的，都得在200万人民币以上，请注意，这是个普遍现象，就是那成片成片的高楼的情况。租会便宜不少，装修很不错的，配置好各种设备，差不多一个月6500元，加上水电煤气1000块。所以如果我在北京、上海住一段时间的话，都是租房子。就是因为觉得房子的投资收益率不对。
行：中国现在一年卖出1000万辆汽车。如果你愿意买个很普通的全国产车，US$10,000能搞定，不知道海归们会不会“掉价”开这种车。凯美瑞（国产 Camry）21万。如果想开个进口车，开个好的,BMW750Li，新车至少要160万。我04年买了个日本车，近50万人民币，在美国就是不到3万美元的普通轿车。现在在考虑弄辆06年的BMW750Li二手车，如果从美国进来的话，在美国 US$35,000，进来后折合至少US$70,000。所以你在中国看到开新750的，这种人的情况，跟在美国开750的，不太一样。（2006款 Dodge Viper SRT10，在美国大概不到US$60,000，我算了下，进到国内至少要US$120,000，想想还是算了）。最近还被忽悠着想参加摩托俱乐部，Harley Davidson的最低档833L，美国是8000美元，在中国裸价是85,000人民币，挂上牌子，北京要价105,000。上海仅仅是上牌子，一个车牌价比汽车牌贵5,000，目前行情大概是45,000人民币，一个摩托车的行驶许可的价格！可是，开Harley的话，833L实在是上不了台面的。汽油今天调价了，97#的应是6.5/升。高速公路统统收费，平原地区一般在0.5元/公里，云贵川地区0.6元。走高速，基本是油价过路费对半。
食：在国内吃应该还便宜点。有人说，国内很便宜啊。我刚开始也是这么觉得，但是时间久了，那些很便宜的，就不想去了。去干净一点的地方，2个人，一般在 100~150元人民币，这个价钱，比美国要便宜些。我现在在贵阳避暑，自己做饭的话，鸡蛋5元/斤，青菜2~3元/斤，猪肉9元/斤，猪排骨（我喜欢自己烤）11元/斤，三文鱼180元/斤。国内一吃到好点的东西，如三文鱼、龙虾之类的，价格就跳上去。麦当劳，各位在美国都不稀罕的吧，国内Big Mac套餐基本是22元。
环境：北京的空气，实在是糟糕。上海深圳的，也比美国的差得远。交通不要说了，我是上下班时间不出门，这个时间开车，很容易生气。我现在很向往美国的那种自由自在的环境，那种可以让人忘记烦恼的环境。中国有没有这种环境？我差不多每年有半年的时间开车在国内旅游，我个人的感觉---没有了。稍微好一点的景点，就圈起来收门票，地方上普通一些的，5、60元，有名的，2、300元，就这么收。如果在假期去，你就是去看那里面拥挤的大呼小叫的人群。
很多在美国的人，安静得受不了了，想到国内的“热闹”就兴奋，想到国内的“小姐”就兴奋。这方面，因为国内女孩子出来找钱的多，国内是比美国便宜。但是，我讲句内心的话，不要把自己塑造成一个“逐臭之夫”。
国内的直接的人力便宜，喜欢让别人服侍的，在这方面的花销确实比美国低。我内心接受不了让人来服侍。你像那种人力滑竿，抬着你走的，我坐不上去。
国内有友情吗？有真情吗？我的看法，还不别总觉得中国是个“礼仪之邦”了吧。
我现在国内的情况，不上班，北京、上海不定期住，两套房自用（国内省会城市），现金大概1,200万，每年产生不交税收入大概100~150万（如果去工作，收入不好说，也许能多个几十万或者更多）。这些东西，基本上是回来后弄的。我回国之前的情况跟在美国有稳定工作的人情况不同，当时身份黑掉了，想移民加拿大，后来跟太太商量，觉得在美国呆着也好，跑到加拿大再去闯也好，大的发展，很难闯出来，不如就回国拼一把。回国后，刚开始觉得一个月有个 8,000 到10,000的，就很好了，人的期望和标准，是慢慢高起来的。简单讲，我这些东西，都是回来后在中国股市上弄的。我想弄到3,000万目前人民币的购买力后（或者少些也行，目前不工作，压力小，计划一年后工作，压力就会大，但压力不大，弄不到钱），还是要到美国去生活。
在怎么回国弄钱上，我的例子，不具有代表性，大部分人怎么个搞法，我也一头雾水，让我离开理财行业，我也赚不到什么钱，毕竟人家国内的稳定的人，都是年轻轻就这那里开始了。
只是越来越在心里感觉，中国不是个适宜生活的地方。
2009年7月27日星期一
Medicare 101
Monday, July 27, 2009
Medicare
Medicare turns 44 years old on Thursday. The government-managed health insurance program for seniors has also been much discussed during the recent health care reform debates. So, NBR thought it the right time to bring you a week of analysis of Medicare. Tonight, we begin with a look at the basics of the program. Learn more Medicare basics below.
MEDICARE HISTORY
* 1965 - President Lyndon Johnson signs the Social Security Amendments Act into law, creating both Medicare and its counterpart, Medicaid. Former President Harry Truman, who had proposed a national health insurance plan in 1945, became the first person to enroll in Medicare.
* 1972 - Medicare coverage is extended to people with permanent disabilities.
* 1976 - Medicare begins to offer HMO options to recipients.
* 1997 - The Medicare+Choice program (Medicare Advantage) is enacted. It is refined over the next three years.
* 2003 - President George W. Bush signs the Medicare Modernization Act into law, adding a prescription drug benefit to Medicare.
MEDICARE BASICS
Who does it cover?
* People 65 and older
* People younger than 65 with permanent disabilities
* A current total of about 45 million Americans
How is it structured?
* PART A: Hospital insurance
* PART B: Supplementary Medical Insurance
* PART C: Medicare Advantage
* PART D: Prescription drug benefit
MEDICARE PART B PREMIUMS - Historical
The following data was obtained from a September 14, 2004 report issued by the Congressional Research Service of The Library of Congress.
Medicare Monthly Part B Premiums
YEAR
PART B PREMIUM
1966
$3.00
1970
$5.30
1974
$6.70
1978
$8.20
1982
$12.20
1986
$15.50
1990
$28.60
1994
$41.10
1998
$43.80
2002
$54.00
2005
$78.20
External Links/Articles*
* AARP
AARP is a nonprofit organization "dedicated to making life better for people 50 and over." This links to the "Insurance & Medicare" section of the AARP website. The site includes links to guides called, "Get Started with Medicare" and "Choose the Right Medicare Plan for You."
* Kaiser Family Foundation (KFF)
KFF is "a non-profit, private operating foundation focusing on the major health care issues facing the U.S., as well as the U.S. role in global health policy." This links to the "Talking About Medicare: Your Guide to Understanding the Program, 2009" section of the foundation's website.
* Medicare.gov
Medicare.gove is the official U.S. government website offering information about Medicare, Medicare health plans, and more.
*Clicking these external links will take you off the NBR web site on PBS.org. NBR has no affiliation with these sites.
Medicare
Medicare turns 44 years old on Thursday. The government-managed health insurance program for seniors has also been much discussed during the recent health care reform debates. So, NBR thought it the right time to bring you a week of analysis of Medicare. Tonight, we begin with a look at the basics of the program. Learn more Medicare basics below.
MEDICARE HISTORY
* 1965 - President Lyndon Johnson signs the Social Security Amendments Act into law, creating both Medicare and its counterpart, Medicaid. Former President Harry Truman, who had proposed a national health insurance plan in 1945, became the first person to enroll in Medicare.
* 1972 - Medicare coverage is extended to people with permanent disabilities.
* 1976 - Medicare begins to offer HMO options to recipients.
* 1997 - The Medicare+Choice program (Medicare Advantage) is enacted. It is refined over the next three years.
* 2003 - President George W. Bush signs the Medicare Modernization Act into law, adding a prescription drug benefit to Medicare.
MEDICARE BASICS
Who does it cover?
* People 65 and older
* People younger than 65 with permanent disabilities
* A current total of about 45 million Americans
How is it structured?
* PART A: Hospital insurance
* PART B: Supplementary Medical Insurance
* PART C: Medicare Advantage
* PART D: Prescription drug benefit
MEDICARE PART B PREMIUMS - Historical
The following data was obtained from a September 14, 2004 report issued by the Congressional Research Service of The Library of Congress.
Medicare Monthly Part B Premiums
YEAR
PART B PREMIUM
1966
$3.00
1970
$5.30
1974
$6.70
1978
$8.20
1982
$12.20
1986
$15.50
1990
$28.60
1994
$41.10
1998
$43.80
2002
$54.00
2005
$78.20
External Links/Articles*
* AARP
AARP is a nonprofit organization "dedicated to making life better for people 50 and over." This links to the "Insurance & Medicare" section of the AARP website. The site includes links to guides called, "Get Started with Medicare" and "Choose the Right Medicare Plan for You."
* Kaiser Family Foundation (KFF)
KFF is "a non-profit, private operating foundation focusing on the major health care issues facing the U.S., as well as the U.S. role in global health policy." This links to the "Talking About Medicare: Your Guide to Understanding the Program, 2009" section of the foundation's website.
* Medicare.gov
Medicare.gove is the official U.S. government website offering information about Medicare, Medicare health plans, and more.
*Clicking these external links will take you off the NBR web site on PBS.org. NBR has no affiliation with these sites.
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