英語(yǔ)播客初級(jí)版 第303期(外教講解):First Paycheck第一次對(duì)薪水質(zhì)疑
Emily: Hey, Susan. Have you got a sec? I have some questions about my paycheck. 嘿，蘇珊。能耽誤你一點(diǎn)時(shí)間嗎?我想問(wèn)你關(guān)于我薪水的問(wèn)題。
Susan: You bet, Emily. Pull up a chair. 你肯定嗎，艾米麗，拿個(gè)椅子過(guò)來(lái)坐下說(shuō)吧。
Emily: Well, this is my first paycheck here in the States and there are a few things I don'tunderstand. First of all, what is this FICA, and SUI Y tax, and why are there deductions both for Medicare and for my health insurance plan? 嗯，這是我在美國(guó)第一次領(lǐng)薪水，有些地方我不是很懂。首先，這個(gè)FICA和SUI Y稅是什么。還有，為什么我的醫(yī)療和健康保險(xiǎn)計(jì)劃中都有扣除的部分呢?
Susan: OK, let's start from the top of your pay stub. This number here represents your gross pay. 好的，讓我們從你的工資條最開始看起，這里的數(shù)字代表你的工資總額。
Emily: Yes, that's easy enough to understand. 是的，這個(gè)很容易理解。
Susan: Then here we have a series of deductions. First off are the federal ones. FICA stands for Federal Insurance Contribution Act, or something like that. It's your federal income tax. And then there's Social Security and Medicare, which are both federal programs to help you out after you retire or if you were unable to work. 這個(gè)部分我們有一系列的扣除部分。首先在所有的聯(lián)邦的項(xiàng)目中，F(xiàn)ICA代表美國(guó)社會(huì)保險(xiǎn)捐款法以及相關(guān)的。這是你聯(lián)邦收入稅。然后是社會(huì)保險(xiǎn)和醫(yī)療保險(xiǎn)，它們都是在你退休或者你無(wú)法工作的時(shí)候幫助你的聯(lián)邦項(xiàng)目。
Emily: All right, I see. So the Medicare isn't actually a health insurance I can use now. 好的，我明白了。所以說(shuō)，醫(yī)療保險(xiǎn)事實(shí)是我現(xiàn)在不能用的健康保險(xiǎn)。
Susan: That's right. Below the federal deductions are the state deductions. There's the state income tax, and then this SUI/SDI tax you were asking about is paying into an unemploymentand disability fund that our state has set up, but you can see it's a pretty small quantity that they take. 對(duì)了。在聯(lián)邦扣除項(xiàng)下面是政府的扣除。包括政府收入稅，還有你在問(wèn)的SUI/SDI稅，這些都是被征收到政府建立的失業(yè)和殘疾基金里面的。你可以看到這部分只占很小的比例。
Emily: Yeah, I don't mind giving them a dollar fifty for that. So there are two separate income taxes—one at a state level and one at a federal level? 是的，我不介意拿出1.5美元給政府。所以說(shuō)，有兩類收入稅——一個(gè)是政府層面的，還有一個(gè)是聯(lián)邦層面的，對(duì)嗎?
Susan: That's right. Not all states have an income tax. Some use higher property taxes or sales taxes instead. 說(shuō)對(duì)了。不是所有的政府都有收入稅。有的是用高收入稅或者營(yíng)業(yè)稅代替的。
Emily: I see. All right, well I think everything else I can figure out on my own. The deductions for health insurance and my 401(K) are pretty self-explanatory. Thanks for your help, Susan.我知道了。好吧，我想其它的我都可以自己弄明白了。對(duì)于我的保險(xiǎn)和401(K)也差不多清楚了。謝謝你的幫助，蘇珊。
Susan: No problem! All those deductions do add up, and nobody's net pay is as high as they'd like. I can understand why you'd want some explanation. 沒(méi)有問(wèn)題。所有的扣除加在一起，每個(gè)人的凈薪金都沒(méi)有他們想象中的要么高。我能理解為什么你想弄明白。
Emily: Yeah, I guess it's the same in the UK, I just never paid much attention. See you later! 是的，我想在英國(guó)也一樣，我只是沒(méi)有注意，再見!
FICA abbr. (美國(guó))聯(lián)邦社會(huì)保險(xiǎn)捐款法(Federal Insurance Contributions Act)
Susan: You bet, Emily. Pull up a chair. 你肯定嗎，艾米麗，拿個(gè)椅子過(guò)來(lái)坐下說(shuō)吧。
Emily: Well, this is my first paycheck here in the States and there are a few things I don'tunderstand. First of all, what is this FICA, and SUI Y tax, and why are there deductions both for Medicare and for my health insurance plan? 嗯，這是我在美國(guó)第一次領(lǐng)薪水，有些地方我不是很懂。首先，這個(gè)FICA和SUI Y稅是什么。還有，為什么我的醫(yī)療和健康保險(xiǎn)計(jì)劃中都有扣除的部分呢?
Susan: OK, let's start from the top of your pay stub. This number here represents your gross pay. 好的，讓我們從你的工資條最開始看起，這里的數(shù)字代表你的工資總額。
Emily: Yes, that's easy enough to understand. 是的，這個(gè)很容易理解。
Susan: Then here we have a series of deductions. First off are the federal ones. FICA stands for Federal Insurance Contribution Act, or something like that. It's your federal income tax. And then there's Social Security and Medicare, which are both federal programs to help you out after you retire or if you were unable to work. 這個(gè)部分我們有一系列的扣除部分。首先在所有的聯(lián)邦的項(xiàng)目中，F(xiàn)ICA代表美國(guó)社會(huì)保險(xiǎn)捐款法以及相關(guān)的。這是你聯(lián)邦收入稅。然后是社會(huì)保險(xiǎn)和醫(yī)療保險(xiǎn)，它們都是在你退休或者你無(wú)法工作的時(shí)候幫助你的聯(lián)邦項(xiàng)目。
Emily: All right, I see. So the Medicare isn't actually a health insurance I can use now. 好的，我明白了。所以說(shuō)，醫(yī)療保險(xiǎn)事實(shí)是我現(xiàn)在不能用的健康保險(xiǎn)。
Susan: That's right. Below the federal deductions are the state deductions. There's the state income tax, and then this SUI/SDI tax you were asking about is paying into an unemploymentand disability fund that our state has set up, but you can see it's a pretty small quantity that they take. 對(duì)了。在聯(lián)邦扣除項(xiàng)下面是政府的扣除。包括政府收入稅，還有你在問(wèn)的SUI/SDI稅，這些都是被征收到政府建立的失業(yè)和殘疾基金里面的。你可以看到這部分只占很小的比例。
Emily: Yeah, I don't mind giving them a dollar fifty for that. So there are two separate income taxes—one at a state level and one at a federal level? 是的，我不介意拿出1.5美元給政府。所以說(shuō)，有兩類收入稅——一個(gè)是政府層面的，還有一個(gè)是聯(lián)邦層面的，對(duì)嗎?
Susan: That's right. Not all states have an income tax. Some use higher property taxes or sales taxes instead. 說(shuō)對(duì)了。不是所有的政府都有收入稅。有的是用高收入稅或者營(yíng)業(yè)稅代替的。
Emily: I see. All right, well I think everything else I can figure out on my own. The deductions for health insurance and my 401(K) are pretty self-explanatory. Thanks for your help, Susan.我知道了。好吧，我想其它的我都可以自己弄明白了。對(duì)于我的保險(xiǎn)和401(K)也差不多清楚了。謝謝你的幫助，蘇珊。
Susan: No problem! All those deductions do add up, and nobody's net pay is as high as they'd like. I can understand why you'd want some explanation. 沒(méi)有問(wèn)題。所有的扣除加在一起，每個(gè)人的凈薪金都沒(méi)有他們想象中的要么高。我能理解為什么你想弄明白。
Emily: Yeah, I guess it's the same in the UK, I just never paid much attention. See you later! 是的，我想在英國(guó)也一樣，我只是沒(méi)有注意，再見!
FICA abbr. (美國(guó))聯(lián)邦社會(huì)保險(xiǎn)捐款法(Federal Insurance Contributions Act)
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