Section outline

  • General

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  • 您的薪酬检查和税收

    Your Paycheck & Taxes
    ::您的薪酬检查和税收

      Universal Generalizations
    ::普遍化

    • Government taxes both individuals and companies to generate revenue for government programs and expenditures.
      ::政府对个人和公司征税,为政府方案和支出创造收入。
    • Depending on where you live, taxes may be higher or lower.
      ::依居住地而定,税额可能更高或更低。
    • Cost of living takes into account the ratio of taxes you may have to pay.
      ::生活费用考虑到您可能必须缴纳的税额比率。
    • Everyone pays some form of taxes on earned income.
      ::每个人都对挣得的收入缴纳某种形式的税。
    • Failure to pay taxes on earned income can lead to a fine or jail time.
      ::不缴纳收入税可导致罚款或监禁时间。

    Guiding Questions
    ::问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问 问

    1. How are federal income taxes assessed?
      ::联邦所得税如何征收?
    2. What are other types of taxes a person may have to pay?
      ::一个人可能必须缴纳的其他税种是什么?
    3. What is the main function of the Internal Revenue Service?
      ::国内税务局的主要职能是什么?
    4. How can politics influence tax laws?
      ::政治如何影响税法?

    E arning Power
    ::挣收入能力

    Read the module titled .

    ::读取名为 . 的模块 。

    Read this brief article from Market Business News titled
    ::阅读《市场商业新闻》的这篇简短文章,

    Read this brief article from The Mint titled .
    ::阅读《薄荷》短篇短文,

    Visit this Khan Academy link titled and view the video to learn more about understanding your paycheck.
    ::访问Khan Academy的链接, 并观看影片, 了解更多了解您的薪水。

    Real World: Will you make Wise Decisions?
    ::现实世界:你会作出明智的决定吗?

    Complete the two learning extension assignment's below according to your teacher's instructions.
    ::根据老师的指示,完成以下两个学习推广任务。

    Learning Extension #1 - Peter's Choices
    ::学习推广 #1 - Peter的选择

    Learning Extension - Peter's Choices
    ::学习推广 - 彼得的选择

    Peter is a high school senior student at the beautiful school of El Paso High School, and he is thinking about his future. He could drop out and not finish high school, he could graduate from high school obtain his high school diploma and not enroll in college, or he could graduate from high school and go to college.
    ::彼得是埃尔帕索高中中一位高中高中高年级学生,他正在思考他的未来。 他可以辍学,不能完成高中学业,可以从高中毕业获得高中文凭,不能进入大学,也可以从高中毕业并进入大学。

    To make his decision he is looking into the job market.  He is looking at the minimum requirements for different job positions and the minimum wage for each of them. Following is a list with the information that he found of different possible job positions based on requirements and offer salaries:
    ::为了做出决定,他正在研究就业市场,他正在研究不同职位的最低要求和每个职位的最低工资。

    • High School Custodian: Salary $ 8.12 per hour, 40 hours per week. Assume 52 weeks per year. This job requires a High School diploma TAX: 2078
      ::高中管理者:每小时8.12美元,每周40小时,每周40小时,每年52周。
    • Crew person at Mc Dowels: Hourly salary rate: $ 7.40, assume 52 weeks. No high school diploma is required, Flexible shift, full time is 40 hours per week. 15692 TAX:1898
      ::Mc Dowels的船员:每小时工资:7.40美元,假定52周,不需要高中文凭,弹性轮班,全时每周40小时。
    • Customer Care Representative: gross annual salary $ 22,000.00 high school and an associate degree is required. Tax: 2850
      ::客户护理代表:年薪毛额22 000.00美元,高中和准学位需要2 000.00美元。
    • Financial analyst: Bachelors degree required. Annual gross salary starting at $61 000.TAX: 11 163
      ::财务分析员:需要学士学位,年工资毛额为61 000美元。

    Help Peter to make the best decision for his future.
    ::帮助彼得为他的未来做出最好的决定

    1. Complete the following table:
    ::1. 填写下表:

    Job Position:
    ::职务:

    Mc Dowel's  
    ::麦克杜乐的

    School Custodian
    ::学校托管人

    Customer Care Representative
    ::客户护理代表

    Financial Analyst
    ::财务分析员

    Salary:
    ::薪金:

    $7.40

    $8.12

    $22,000.00

    $61,000.00

    1. Gross Annual Income:
    ::1. 年度总收入:

    		       

    2. Taxes:
    ::2. 税收:

    		       

    3. Net Annual Income:
    ::3. 年度收入净额:

    		       

    4. Monthly Income:
    ::4. 月收入:

    		       

    5. Total monthly expenses:
    ::5. 月费用总额:

    		       

    6. Net monthly salary:
    ::6. 月净薪金:

    		       
               

    2. How can we calculate the gross annual income for the Mc Dowel's and Custodian positions? Is it necessary to make any calculations to find the gross annual income for the customer care and financial analyst job positions? Record the answers in the table in row number 1.
    ::2. 我们如何计算Mc Dowel和保管人职位的年毛收入?是否有必要计算出客户护理和财务分析员职位的年毛收入?将答案记录在第1行的表格中。

    3. Calculate the deductions and taxes. The Social Security deduction is 6.2% of the gross annual income, Medicare is 1.45% of the gross annual income, and finally assume 15% of gross annual income to pay for federal and state taxes. Write your answer in the table in row 2.
    ::3. 计算扣除额和税款:社会保障扣除额为年总收入的6.2%,医疗保险是年总收入的1.45%,最后假定每年总收入的15%用于支付联邦税和州税。

    4. Calculate the Net Annual Income for each job position and record your answer in row number 3. (Hint: the Net annual income, is the income received after paying taxes, and deducting social security and medicare)
    ::4. 计算每个职位的净年收入,并在第3行记录你的答复(网址:净年收入,是纳税后所得收入,扣除社会保障和医疗)。

    5. Calculate the monthly income for each position using the Net annual income (the after taxes income), and record your answer on the table row 4.
    ::5. 使用净年收入(税后收入)计算每个职位的月收入,并在表第4行记录你的答复。

    6. What would be the best option at this point for Peter? Why?
    ::6. 对于彼得来说,目前的最佳选择是什么?

     

    Peter calculates that he would need to pay the following basic monthly expenses if he wants to move out of his parent's house:
    ::Peter计算他若想搬出父母家, 需支付以下基本月开支:

    Category
    ::类别类别类别

    Budgeted Amount per month ($)
    ::每月预算金额(美元)

    Rent
    ::租金租金租金租金

    663

    Utilities
    ::水电费

    (water, gas, electricity)
    :sad水、气、电)

    150

    Internet connection
    ::因特网连接

    50

    Cell phone
    ::手机手机

    60

    Car loan payment
    ::租借汽车贷款付款

    289

    Gasoline
    ::汽油汽油

    120

    Entertainment
    ::娱乐娱乐

    300

    Clothes
    ::服装服装

    50

       

    7. With the information above, calculate Peter's monthly expenses and record your answer in row 5 in the table.
    ::7. 根据上述资料,计算Peter的每月开支,并在表格第5行记录你的答复。

    8. Would Peter be able to meet his expenses with the Mc Dowels salary?, the school custodian salary?, with the customer care salary?, and with the financial analyst salary?
    ::8. 彼得能否用麦克·杜维斯的工资、学校监护人的工资、客户护理工资以及财务分析员的工资来支付开支?

    9. If Peter wants to move out of his parent house, what advise would you give him?
    ::9. 如果Peter想搬出他的家,你会给他什么建议?

    Learning Extension #2 - More Choices
    ::学习推广#2 - 更多选择

    Learning Extension - More Choices
    ::学习推广 - 更多选择

    Lana is a senior in a high school. She is browsing the job market to help her make a decision. She found the following jobs:
    ::拉娜是高中高年级生,她正在浏览就业市场,以帮助她做出决定。她找到了以下工作:

    • A Burger Queen crew member, job that pays $ 5.50 per hour (assuming 40 hours per week and 52 weeks per year)
      ::汉堡王后船员,每小时5.50美元的工作(假定每周40小时,每年52周)
    • A Wall's Mart cleaning crew person, position that requires a high school diploma, and pays $8.20 per hour. Also assume 40 hours per week.
      ::墙上的清扫人员 需要高中文凭的职位 每小时8.20美元 每周还有40小时
    • A Financial consultant, position that requires a college degree, pays $43,000 salary per year with no experience required.
      ::财务顾问职位需要大学学位,每年支付43 000美元的薪金,不需要经验。

    1.  Assuming Lana  needs to pay federal taxes for 30.5% of the gross monthly salary of each job previously described, and that she won’t need to pay for benefits; complete the following table:
    ::1. 假设拉娜需要缴纳联邦税,相当于上述每项工作的30.5%的月薪毛额,而且她不需要支付福利金;填写下表:

     

    Burger Queen
    ::汉堡王后

    Wall's Mart cleaning crew
    ::墙壁的清扫人员

    Financial advisor
    ::财务顾问财务顾问

    Income information
    ::收入资料

    		     

    Gross annual income
    ::年收入毛额

    		     

    Gross monthly income
    ::月收入毛额

    		     

    After-tax monthly income
    ::税后月收入

    		     

    2. Mary Ann is single and just started her first full time job. Her monthly after taxes income (after taxes and deductions had been withheld) is $2 589.10. She wants to save 10% of her monthly income. Construct a budget table and determine if she would be able to save 10% of her after tax monthly income, if her monthly expenses are: rent $790, cell phone $75, utilities $45, cable TV and internet $65, groceries $450, entertainment $250, car payment $350, and gasoline $120.
    ::2. Mary Ann单身,刚开始第一次全时工作,在税收收入(扣除税款和扣除税款后)之后,她每月2 589.10美元,她希望节省月收入的10%,建立一个预算表,确定她每月税收收入后能否节省10%,如果每月开支为:租金790美元、手机75美元、水电费45美元、有线电视和互联网65美元、杂费450美元、娱乐费250美元、汽车费350美元和汽油120美元。

    3. Research the cost of living in your community and create a budget table with the information gather. Consider prices of rent, utilities, groceries, car payments, etc. Search also the annual income per capita in your area. 
    ::3. 研究本社区的生活费用,编制预算表格,收集资料,考虑房租、水电费、杂货、汽车费等价格。

     Video: What You Can do Now to Prepare for Your Future
    ::影片:你现在能做什么? 准备未来?