瞎猜一下,有可能他父母提前退休了?FIRE以后只靠资产的红利确实能把收入做得很低,而且保险也特别好。 转一个Reddit上的估算 https://www.reddit.com/r/financialindependence/comments/muv6e0/insights_from_college_cost_estimator/ Insights From College Cost Estimator My kids are 4 and 6 but I am already planning for their college costs. Today I was reviewing the costs at our in-state school and also a dream school, just to see. The sticker shock for the dream school is insane, $78,900 for Yale's estimated cost for the 2021-2022 year. As I was on the website I came across this quick cost calculator which I found to be really useful. I ran through some scenarios and wanted to share the results. The question I'm trying to answer for myself is essentially where do I put my money over these next 12-15 years to pay for college. 1.Baseline Scenario - Put The Money in a 529 Account Let's plug in some round numbers (not mine, but perhaps representative of the high earners & HCOL areas in this forum). $200,000 combined income from two working parents $600,000 house with $300,000 mortgage remaining $50,000 in cash $1.2 million in retirement assets (parents are in their 50's by the time kids are college age) $300,000 in other investments (includes $200k in 529 accounts) For now assume the oldest child is entering 1st year of college Result: Expected family contribution of $73,200. Not much discount from full price. $200k in 529 accounts doesn't even pay for 3 full years of school for 1 child. 2. Hold the Money in Cash Instead For this scenario let's move $200,000 from the 529 account to "cash". Result: Expected family contribution of $73,200. No change as I would have expected. Just checking. 3. Put the Money into Retirement Accounts Instead For this one let's move the $200,000 from the 529 account to "retirement assets". Result: Expected family contribution of $59,900. OK, some discount. Still really expensive. 4. Put the Money into the House For this one we use the $200,000 to pay more of the mortgage. Result: Expected family contribution of $59,900. No different from putting the money in retirement accounts. 5. Pay Off the House and Retire Early For this one I've put all of the 529 money as well as the other $100k in other investments into paying off the house entirely, and the family income is now $48,000 which is 4% of the retirement assets. Result: Expected family contribution of $4,450. Wow! This one is the game changer. You're getting almost $69,000 extra per year in financial aid for retiring early. 6. Retire Early, Pay Off Most of House, Set Aside Some Money For College For this one we'll say that the couple did set aside $50,000 in 529 so the mortgage is not completely paid off. Result: Expected family contribution of $6,250. OK so the financial aid decreased by $1,800 which is 3.6% of the $50,000 in other assets. This one is also a little weird since the couple retired early without the mortgage paid off. This calculator also allows you to see the change when more than 1 child is in college at the same time which is helpful. Takeaways: Obviously this is only 1 school and an online calculator which always should be taken with a grain of salt, but it's super interesting to see that (1) stashing money in a 529 account earns you less financial aid that putting it in retirement accounts or paying off your mortgage (which I knew but had never quantified), and (2) maybe that college savings would be better put to use in accelerating your early retirement timeline.
一项就够了,IMO,那绝对妥妥的。
大藤喜欢那种“啊,我找到了人生使命,这辈子就喜欢这一个学科/这一项事业”的人,非常奇怪,藤校的人自己都觉得hypocrite。
在数学群里看到过IMO被大T拒的。而且IMO 这已经不是深挖了,这都挖得底朝天了。
hmmm,那是有点奇怪了,除非他申的CS而不是数学。
能做到的娃肯定都不太需要睡觉,那怎么长个子呀……
赞同这个!大藤是喜欢leadership 加 impactful community service 的,在academic 和 EC都有很好的前提下,我家去年T5 录了三个。
跟睡觉关系不大,总的来说大藤喜欢天才,就是明显的别人不睡觉也做不到的成就。比如imo. 或者投胎到总统富豪家,哈哈。
这是两个system 国际大奖,top of the field,男生比较多 leadership+community service,女生走这条路的比较多
反正我觉得top 5除了少数天才,和非常有leadership(或者家长能包装)的,其他人不适合走这条路
个子高的人挖深坑就太不方便了。
您真好福气,三胞胎吗?都去了T5...
现在要求两个系统都要走呀。
但是第一个孩子确实不在湾区哈。那说明如果湾区同样stats的小中男,ucb,duke,cornell都不保
没有,没说清楚,就是拿到T5里的三所学校offer。
差不多这个意思吧,类似profile的我至少认识十几个,而且别人成绩还比他好。 Cornell我不好说,但UCB是肯定没戏的。
有时候吧,把美国大学当成一个business,很多事情就想明白了。跟国内清华北大不是一个概念,美国学校是商业化的,私校尤为如此。他们的最终目的才不是培养人才,而是收钱、扩大自己的影响力。
有的学校A-就是3.67,所以不一定是B或者B+呢
🐂娃呀!是在紫檀里报喜过的那位小中男吗?
我不混紫檀的。牛娃很多的,去年和今年都看到T5横扫的,今年的还是个男孩子,但是不知道stats,去年见到的是女孩,搞数学竞赛进营的。
要拿6或7个B,或者18个A-
我从国内本科毕业,申请到全奖读美国第9名学校,读工程的研究生,也还好。
这里本科想进前十的学校太难了。
UIUC很好的CS学校,不比小藤差
是男娃吗?能分享一下stats吗?
子坛那儿好像臭不可闻,大家你贬我孩子的学校,我贬你孩子的学校,像一帮乱拱的臭蛆,还是华人网好哦
是很好,但很多家长还是会偏向排名高学校的CS,比如H,即使它可能在rigor上还不如UIUC。
这就是信息不对称+“哈佛女孩刘亦婷”洗脑的结果...
本科和研究生的难度完全不同好吧。别说美国名校,就是清华北大那也是高考竞争比研究生考试激烈多了。名校的校友认的都是本科的,研究生一般来说打不进传统的名校校友圈子。
是的,据说理工尽量照专业排名选学校
业界公司可不是这么想的,UIUC的CS出路不要太好 大藤比不上,但跟小藤比还是可以的 还有一家州立就是UW的CS,出路也很好
去H学CS,看中的可能是它的通识教育和人文环境资源,专业课CS在哪里都差不多。H里选CS的人也不少,排在第二位。
很多家长不懂这些啊,你看版上的帖子,孩子去大藤学个生物都要被喷为啥不学CS。你觉得他们懂专排吗?
其实这年头,任何一家CS出来都出路好。老留们在这边99%都是一般学校CS 研究生,都收入十分高。身边成打做计算机的老留,国藤的无数,还没有一例美藤甚至T20 CS master。很多都是100名左右的学校深造的CS研,有的甚至只是EE,都混成了高薪阶层。
UIUC CS出路确实比小藤的Brown, Dartmouth强。比UPenn的也强,专业排名摆那儿。当然还比得上大藤啊,藤校里就Cornell CS比UIUC强。学理工要看专排。
很多社区学校的在公司都是扛把子,CS在后期确实是个英雄不问出处的行业。
但是前期发展,实习、第一份工作,好学校有优势一些。大藤最大的好处是可以有一个去华尔街的option,不过现在湾区的都看不上华尔街了,所以意义不大。如果code写得一般想划划水换行业的话,大藤的溢价有些帮助。否则就连PhD申请也是以专排为主。
男生,标考(也包括PSAT和两门subject)满分,申请时AP10门(学校规定9,10年级一共只能选两门)都5分 机器人国际赛进入决赛(captain,并有个人大奖),4 年marching band(band 集体获奖无数,VP, Section Leader),2 年 varsity swimming,all-state band/orchestra,有三年summer research experience,义工500小时以上,大概就这些。
这是在弯曲吧?CA 专业不在弯曲有没有房价不那么高40 到100万,3000尺的房子,工资收入还不错的,气温不是很恶劣没有几个月的大雪的?
看见弯曲2m,3m的房子觉得真不是很宽敞。这不又在说娃娃读书也内卷吗。
所以是junior year 考了8门ap? ORZ.
是呀,州大学CS,可能只能做码工,H学CS,也许能自己创业(H毕业生或者dropout的,都能有更多人脉拉投资什么的),或者更容易在公司里往上爬当领导。
学校UW & W GPA? Ranking? 谢谢
很可以的,考虑大学毕业继续research吗?
之前看你的ID我就在想你的孩子是不是机器人比赛很牛 😄
Junior year 考6门(除了band全AP),其他两门是9,10年级自考的。
请问在华人,好专业除了CS还有啥?lol。。。
GPA UW 4.0,weighted 学校是百分制的,很难算,因为4年band weight 是1.0(AP课是1.29)拉了很大的后腿,所以最后排名在0.5%吧,大公校N年也进不了几个大藤的,排名第一的去了州立honor.
我是觉得GPA这个系统挺奇葩的 AO初筛之后肯定还是看transcript
哈哈哈😄这项活动投入极大心血和时间,community service大都是围绕这个做的。
0.5%应该是年级前三名了。是男孩女孩?
这个看孩子最后兴趣所在,反正我不管。
瞎猜一下,有可能他父母提前退休了?FIRE以后只靠资产的红利确实能把收入做得很低,而且保险也特别好。
转一个Reddit上的估算
https://www.reddit.com/r/financialindependence/comments/muv6e0/insights_from_college_cost_estimator/
Insights From College Cost Estimator My kids are 4 and 6 but I am already planning for their college costs. Today I was reviewing the costs at our in-state school and also a dream school, just to see. The sticker shock for the dream school is insane, $78,900 for Yale's estimated cost for the 2021-2022 year. As I was on the website I came across this quick cost calculator which I found to be really useful. I ran through some scenarios and wanted to share the results. The question I'm trying to answer for myself is essentially where do I put my money over these next 12-15 years to pay for college. 1. Baseline Scenario - Put The Money in a 529 Account Let's plug in some round numbers (not mine, but perhaps representative of the high earners & HCOL areas in this forum). $200,000 combined income from two working parents $600,000 house with $300,000 mortgage remaining $50,000 in cash $1.2 million in retirement assets (parents are in their 50's by the time kids are college age) $300,000 in other investments (includes $200k in 529 accounts) For now assume the oldest child is entering 1st year of college Result: Expected family contribution of $73,200. Not much discount from full price. $200k in 529 accounts doesn't even pay for 3 full years of school for 1 child. 2. Hold the Money in Cash Instead For this scenario let's move $200,000 from the 529 account to "cash". Result: Expected family contribution of $73,200. No change as I would have expected. Just checking. 3. Put the Money into Retirement Accounts Instead For this one let's move the $200,000 from the 529 account to "retirement assets". Result: Expected family contribution of $59,900. OK, some discount. Still really expensive. 4. Put the Money into the House For this one we use the $200,000 to pay more of the mortgage. Result: Expected family contribution of $59,900. No different from putting the money in retirement accounts. 5. Pay Off the House and Retire Early For this one I've put all of the 529 money as well as the other $100k in other investments into paying off the house entirely, and the family income is now $48,000 which is 4% of the retirement assets. Result: Expected family contribution of $4,450. Wow! This one is the game changer. You're getting almost $69,000 extra per year in financial aid for retiring early. 6. Retire Early, Pay Off Most of House, Set Aside Some Money For College For this one we'll say that the couple did set aside $50,000 in 529 so the mortgage is not completely paid off. Result: Expected family contribution of $6,250. OK so the financial aid decreased by $1,800 which is 3.6% of the $50,000 in other assets. This one is also a little weird since the couple retired early without the mortgage paid off. This calculator also allows you to see the change when more than 1 child is in college at the same time which is helpful. Takeaways: Obviously this is only 1 school and an online calculator which always should be taken with a grain of salt, but it's super interesting to see that (1) stashing money in a 529 account earns you less financial aid that putting it in retirement accounts or paying off your mortgage (which I knew but had never quantified), and (2) maybe that college savings would be better put to use in accelerating your early retirement timeline.
你说的是UCB EECS吧?其它专业能进Cornell不能进伯克利?夸张大发了吧?!
大家说的都是小中男亚裔男特别难,内卷竞争激烈。女孩子从来都是容易些好吧。从读书到工作,亚裔女都比亚裔男容易一些,竞争也少些。同样stats,亚裔女能进top5,亚裔男top50都不一定行
前面说了是男孩
UCB EECS外的专业不难进,比Cornell容易很多。我在国内以前一街坊的孙女今年进了UCB,没进Cornell在内的任何藤校,据说十分不开心。
是这样的,我遇到一个UCB妈妈,问怎么进的,告诉我就是成绩够格了,没做什么EC。当时听了吃惊UCB这么容易进。后来才明白,所有的藤校除了拼成绩,还要拼EC和获奖,无一例外。而UCB+T10到T20非藤,只要成绩好基本能搞定。告诉大家这个trick啊,呵呵。
唉 人跟人的运气就是不一样哦。大家能卷就卷吧,反正现在即使是在美国,大家也都站起来看戏了,踩椅子上的搭梯子🪜看戏,以后都不止少数。估计再也没有人坐着看戏了。
self-inflicted pain 都想做人上人,为此孜孜不倦乐此不疲 哈佛CS的特别牛批,看不上人UIUC 学CS自认为特别牛批,看不上人藤校学医 都挤CS,然后问我家娃为什么上不了UCB?
这还只是入学,很快的,内卷就要影响职场了,或者说已经影响职场了。现在DS基本灰飞烟灭。
站起来看戏是违规占便宜,咱小中男娃是自己努力还吃哑巴亏。
不觉得T10-T20 只需要拼成绩,基本公校更看重成绩,但是有突出的EC肯定是加分项,尤其是academic EC
已经在影响职场了,实习和求职亚裔也是吃亏的那一类,亚裔女孩子相对好很多。
很逗的是湾区码农一提到面试,就抱怨女生太多了,一提到找老婆,就抱怨女生太少了,一说搬运纽约女生,又看不起收入低的。
咋这么别扭
码农是希望有更多的非CS女生啊。
然后老婆收入不如自己,又开始哼哼唧唧。老婆转码了,又嫌人家不做饭。
有点跑题了,但反正我发现这挺逗的。有些人就是既要又要还要。
好牛的娃。。。膜拜一下。。。。
多有家庭不幸的,还是不要考虑了。。。 我女儿双胞胎朋友,父亲先天病,她们小学时候父母离异,然后父亲去世,两孩子跟母亲低收入所以qualify QB.
原来是这样,我还以为只要是低收入都能用这个呢。
不仅仅是低收入,而且是低资产,考核里包括了自主房子和养老金。
不少申请者家庭都有艰辛不幸的故事,甚至没付完的high medical bills。
再选一次,你也不会愿意让你的孩子们走上那条路,不用为这事感到不平或缺憾。
估计有一个A-minus
恭喜!UMICH非常不错,校友资源不逊于一些藤校
有奖学金也已经很好了,孩子能为自己骄傲,写上简历也加分
确实只要低收入低资产就行。但是应该说家庭收入在一年两万五以下的,还没有任何其他固定资产之类的,多少都会有不幸的事情。要不然父母好手好脚两个人一起工作,哪怕打labor工作都不止这个收入了。一般亚裔很少在身体健康的情况下甘于这么低的收入然后领救济的。特别是这个第二个男生,他还不是first gen,父母还读过大学的,肯定遭什么事儿了才会这么低的收入。所以前面层主说不用羡慕。
是的,我认识一个南加州这边的华人女生,大公校高中,sat1390,act3. 0,GPA 3.9x, 什么奖,ec,体育都没有,进了ucb的室内设计系。我当时被她的stats吓了一条,因为同时有认识的小中男,介于楼主例子里的男一和男二的水平之间吧,ucb都被据了。后来了解到非热门专业门槛就是这么低
公司当领导和毕业学校关系不是特别大,更没有什么H学CS就容易当 主要是校友关系方面会有优势
私立学校,honor多,给分水。现在普遍私立给分都高,相反,压力大的公立,又不好好教,给分又严,全靠外面补习班
择数啊……🤣🤣
是啊,我们这个著名公立高中,老师讲得差,课程又难。生物化学计算机都必须先修honor后才能选ap 。数学也是得先修一堆自己定制的honor level 后才能选ap cal。更为奇芭的是规定毕业必须修4个social study的credit但是不能是ap课的credit。真是不知道那个缺德的制定的。跟私校gpa根本没法比
你说的那些是小留们,他们的美国家庭年收入都是0!
不光是请升学顾问,还有机构,还可以请好几个顾问呢。
哎呀你说的这个我倒是没想到,也有道理的。
哈哈,TJ
面试一般都是让人自我感觉良好的,大多数面试者都是很nice地当面说好话鼓励,但是写在报告上会很详细地记录自己问的问题,对学生的印象,这学生以后有没有创造性,是不是适合这个学校的文化,能不能fit in 这些,然后打分。
可能因为同校其他同学stats更出色,对男生AIME还不够,还有就是前面有位MM指出的他的essay写得有点出格,跳桥这种极端行为写在essay里是非常risky的,学校不大想要这样性格的学生,怕以后会带来麻烦。
韩国人升学有时也会不折手段的,也有妈妈在美国无收入带娃,爸在韩国赚钱的。也许什么地方申请材料不make sense
不用担心TJ GPA比别的学校低的问题,都是同本校的学生比,不跨校比。
可能写错了,应该是calc 老师?十=年级在学多变量了
实际上还是比的。今年已经有4.4gpa 被UVA 拒了的例子了
请问自考的是哪两门AP?
别的学校也有不少GPA4.4 被拒的呀,不只是TJ, UVA现在加了ED,不招他们觉得大概率不会去的学生,反倒多招了些普通的学生。
Q请问这个机器人大赛是FTC还是FRC吗?多少队能得奖?每队多少人?
中文,human geography.