[技術移民] 美國矽谷打緊工 你問我答

暫時未有小朋友，不過諗緊幾年內有，所以諗緊。

啱呀，有小朋友就無得每年搬。之前為左轉工搬state 一年搬左三次，好撚攰。condo HOA 好貴，以而家樓價，短期兩三年租樓比較化算。

都係個句，未穩定都未知聽日係美國定香港。

家下儲50% ，仲未追至樓市，花紅股票好彈性，可有可無🤷‍♂️

美國做tech 係相對搵得多，不過同香港嘅朋友已經好少contact，愈來愈遠。人生為左多少少錢，勞碌十年，因為工作，簽証等問題，無覺好訓，stuck 係美國，我已經好多年無返香港。每日都諗我仲可以做乜

你啲數都計得幾盡。 買sfh 要全回本可能你要早十年跌到谷底嗰陣買入

可能 condo 都仲 fulfull 到呢個諗法。 前題你又要計得掂hoa + tax .

又或者簡單啲，find the next tech tub rising 搬過去

Lm

花紅股票隨時係你人工一半或以上（當然睇間公司係有幾大或者規模去到邊個階段）， 我諗呢個數值就算扣左稅都好難稱得上可有可無

樓主住peninsula定San Jose?

bay area d樓咁貴 巴打有無諗過搬去Seattle

計得盡其實要考慮埋供樓利息可以口稅，實質利率係原本2/3左右。

Or Texas

樓主住peninsula定San Jose?

Or Texas

Sorry，wrong reply

Or Texas. There are tech jobs in Austin, it is cheaper than SF Bay Area and is booming.

扣扣扣，扣乜撚丫

個死人Tax "reform" 限制咗state income tax+property tax最多只可以扣10,000。

喺bay area閒閒哋都過萬啦，之後嗰啲扣條春咩

San Mateo

Austin 未係第二個silicon valley

有諗LA ，個人唔鐘意Seattle，同埋上面tech firms 少，得Amazon 同Microsoft，天氣麻麻，成日陰天。

加上我另一半都係度返工，應該唔會搬state

好多constraints

另一半做咩嘅先？

你話CPA丫，醫生，律師嗰啲就要去第二個州申請執業啫。其他工無話走唔到嘅。

除左落雨多 Seattle我覺得無乜野好挑剔 樓價又未係話太貴(對比bay area) 加上其實而家多咗好多tech firm 都喺Seattle有dev team 例如Apple Tableau Google
生活黎講Seattle無得輸

就係CPA

利申: 我地本身中部第二個州搬黎，同埋以土生土長香港人角度，係美國識合港人口味風俗嘅地方已經走投無路。再走可能要返SZ, Hong Kong, Singapore 喇

純粹個人preference

不過你啱Seattle 有三間鼎泰豐真係無得輸

老婆CPA+1

要平嘅話咁最多貼住州界住

If you bought you home before Dec 2017, you can still claim deduction for interest for up to 1M of your debt. Certain rules apply, talk to your lawyer or CPA for details.

https://www.aba.com/Advocacy/Issues/Documents/Tax-reform-mortgage-interest-deduction-summary.pdf

It won't help you if you buy a new house.

Move to Washington with 0 income tax and live near border to Oregon. Then drive to Oregon to buy things with 0 sales tax. I knew a bloke from UK that actually does this.

對比起外國香港生活到底點多姿多彩法
未去過外國住唔係好明

係要盡啲嫁喇，屋企唔幫手，所有野親力親為，每一蚊都有血有汗。

唔係講緊mortgage interest, 係state income and property tax.

https://smartasset.com/taxes/trumps-plan-to-eliminate-the-state-and-local-tax-deduction-explained