{"id":104078,"date":"2015-06-23T16:39:32","date_gmt":"2015-06-23T23:39:32","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=104078"},"modified":"2015-06-23T16:43:12","modified_gmt":"2015-06-23T23:43:12","slug":"%e8%ab%87%e8%ab%87%e7%be%8e%e5%9c%8b%e4%ba%ba%e7%9a%84%e3%80%8c%e4%bb%a5%e6%88%bf%e9%a4%8a%e8%80%81%e3%80%8d","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2015\/06\/23\/%e8%ab%87%e8%ab%87%e7%be%8e%e5%9c%8b%e4%ba%ba%e7%9a%84%e3%80%8c%e4%bb%a5%e6%88%bf%e9%a4%8a%e8%80%81%e3%80%8d\/","title":{"rendered":"\u8ac7\u8ac7\u7f8e\u570b\u4eba\u7684\u300c\u4ee5\u623f\u990a\u8001\u300d"},"content":{"rendered":"<p>\u300c\u8001\u6709\u6240\u990a\u300d\u662f\u6bcf\u500b\u570b\u5bb6\u90fd\u9700\u9762\u81e8\u7684\u554f\u984c\uff0c\u96a8\u8457\u751f\u6d3b\u54c1\u8cea\u7684\u6539\u5584\uff0c\u8001\u5e74\u4eba\u7684\u58fd\u547d\u4e5f\u8d8a\u4f86\u8d8a\u9577\uff0c\u56e0\u6b64\uff0c\u59a5\u5584\u89e3\u6c7a\u8001\u6709\u6240\u990a\u7684\u554f\u984c\uff0c\u5c31\u6210\u70ba\u8feb\u4e0d\u5bb9\u7de9\u7684\u793e\u6703\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002<!--more--><\/p>\n<p>\u5728\u7e3d\u4eba\u53e3\u4e2d\uff0c\u8001\u5e74\u7f8e\u570b\u4eba\u5728\u4eba\u53e3\u4e2d\u7684\u6bd4\u4f8b\u5feb\u901f\u589e\u9577\uff0c\u540c\u6642\u4e5f\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u6d3b\u5f97\u66f4\u9577\u3002 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\u56e0\u6b64\uff0c\u5f9e\u5f97\u5230\u8cb8\u6b3e\u958b\u59cb\uff0c\u6d3b\u5f97\u8d8a\u9577\uff0c\u5f97\u5230\u7684\u9322\u5c31\u8d8a\u591a\uff0c\u4e5f\u6b63\u662f\u9019\u500b\u56e0\u7d20\uff0c\u5e74\u7d00\u8d8a\u5927\u8005\uff0c\u6bcf\u6708\u5f97\u5230\u7684\u8cb8\u6b3e\u91d1\u984d\u5c31\u8d8a\u591a\uff0c\u7562\u7adf\u5e74\u7d00\u8d8a\u5927\uff0c\u8d8a\u53ef\u80fd\u66f4\u65e9\u5730\u96e2\u958b\u4eba\u4e16\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c31\u53ef\u5c11\u652f\u4ed8\u6bcf\u6708\u73fe\u6b3e\u6b21\u6578\u3002<\/p>\n<p>3. \u5728\u898f\u5b9a\u7684\u5e74\u9650\u4e2d\uff0c\u6bcf\u500b\u6708\u652f\u4ed8\u76f8\u540c\u6578\u984d\u7684\u73fe\u6b3e\uff0c\u6bd4\u598220\u5e74\u5167\u6bcf\u500b\u6708\u652f\u4ed8500\u7f8e\u91d1\u3002<\/p>\n<p>4. \u8a2d\u5b9a\u4e00\u500b\u8cb8\u6b3e\u984d\u5ea6\uff0c\u5728\u4efb\u4f55\u6642\u5019\u53ef\u4ee5\u96a8\u6642\u63d0\u53d6\uff0c\u76f4\u5230\u8cb8\u6b3e\u984d\u5ea6\u63d0\u53d6\u5b8c\u3002<\/p>\n<p>5. \u6839\u64da\u5c4b\u4e3b\u7684\u9700\u8981\uff0c\u5c07\u4ee5\u4e0a\u5e7e\u500b\u63d0\u53d6\u65b9\u6cd5\u505a\u5404\u7a2e\u7d44\u5408\u3002<\/p>\n<p>\u7f8e\u570b\u5c0d\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u76e3\u7ba1\u5341\u5206\u56b4\u683c\uff0c\u6cd5\u898f\u7531\u570b\u6703\u901a\u904e\uff0c\u76ee\u524d\u7684\u76e3\u7ba1\u6a5f\u69cb\u662f\u806f\u90a6\u623f\u5c4b\u7f72\uff08FHA\uff09\u3002\u5728\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e2d\uff0c\u6700\u6d41\u884c\u7684\u662f\u7531\u806f\u90a6\u623f\u5c4b\u7f72\u64d4\u4fdd\u7684\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\uff08Home Equity Conversion Mortgage\uff0c\u7c21\u7a31HECM\uff09\uff0c\u5360\u6574\u500b\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u768490%\u3002 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\u6839\u64da\u5c4b\u4e3b\u7684\u9700\u8981\uff0c\u5c07\u4ee5\u4e0a\u5e7e\u500b\u63d0\u53d6\u65b9\u6cd5\u505a\u5404\u7a2e\u7d44\u5408\u3002 \u7f8e\u570b\u5c0d\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u76e3\u7ba1\u5341\u5206\u56b4\u683c\uff0c\u6cd5\u898f\u7531\u570b\u6703\u901a\u904e\uff0c\u76ee\u524d\u7684\u76e3\u7ba1\u6a5f\u69cb\u662f\u806f\u90a6\u623f\u5c4b\u7f72\uff08FHA\uff09\u3002\u5728\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e2d\uff0c\u6700\u6d41\u884c\u7684\u662f\u7531\u806f\u90a6\u623f\u5c4b\u7f72\u64d4\u4fdd\u7684\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\uff08Home Equity Conversion Mortgage\uff0c\u7c21\u7a31HECM\uff09\uff0c\u5360\u6574\u500b\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u768490%\u3002 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property=\"og:site_name\" content=\"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u8ac7\u8ac7\u7f8e\u570b\u4eba\u7684\u300c\u4ee5\u623f\u990a\u8001\u300d - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta property=\"og:description\" content=\"\u300c\u8001\u6709\u6240\u990a\u300d\u662f\u6bcf\u500b\u570b\u5bb6\u90fd\u9700\u9762\u81e8\u7684\u554f\u984c\uff0c\u96a8\u8457\u751f\u6d3b\u54c1\u8cea\u7684\u6539\u5584\uff0c\u8001\u5e74\u4eba\u7684\u58fd\u547d\u4e5f\u8d8a\u4f86\u8d8a\u9577\uff0c\u56e0\u6b64\uff0c\u59a5\u5584\u89e3\u6c7a\u8001\u6709\u6240\u990a\u7684\u554f\u984c\uff0c\u5c31\u6210\u70ba\u8feb\u4e0d\u5bb9\u7de9\u7684\u793e\u6703\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002 \u5728\u7e3d\u4eba\u53e3\u4e2d\uff0c\u8001\u5e74\u7f8e\u570b\u4eba\u5728\u4eba\u53e3\u4e2d\u7684\u6bd4\u4f8b\u5feb\u901f\u589e\u9577\uff0c\u540c\u6642\u4e5f\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u6d3b\u5f97\u66f4\u9577\u3002 \u6839\u64da15\u500b\u806f\u90a6\u653f\u5e9c\u6a5f\u69cb\u806f\u5408\u7de8\u5236\u7684\u6700\u65b0\u5831\u544a\u300a\u8001\u5e74\u7f8e\u570b\u4eba2012\u300b\uff08Older Americans 2012\uff09\u7684\u7d71\u8a08\uff0c2010\u5e74\u6642\uff0c\u5e74\u6eff65\u6b72\u7684\u7f8e\u570b\u4eba\u67094000\u842c\uff0c\u7d04\u5360\u7e3d\u4eba\u53e3\u768413\uff05\uff1b\u5230\u4e862030\u5e74\uff0c\u9019\u500b\u4eba\u53e3\u7fa4\u9ad4\u7684\u4eba\u6578\u5c07\u9054\u52307200\u842c\uff0c\u5360\u4eba\u53e3\u7e3d\u6578\u768420\uff05\u3002 \u5c0d\u65bc\u8001\u5e74\u5f8c\u7684\u990a\u8001\uff0c\u7f8e\u570b\u7684\u793e\u6703\u5b89\u5168\u4fdd\u969c\u9ad4\u7cfb\u6709\u8f03\u70ba\u5b8c\u5099\u7684\u898f\u5283\uff0c\u5373\u901a\u904e\u793e\u6703\u5b89\u5168\u9000\u4f11\u4fdd\u969c\u91d1\uff08Social Security Retirement Insurance Benefits\uff09\u3001\u9000\u4f11\u5e33\u6236\u5b58\u6b3e\u7b49\u65b9\u5f0f\uff0c\u4f7f\u7f8e\u570b\u4eba\u5728\u9000\u4f11\u5f8c\uff0c\u53ef\u4ee5\u7e7c\u7e8c\u6709\u4e00\u5b9a\u7684\u6536\u5165\uff0c\u4fdd\u8b49\u6700\u57fa\u672c\u7684\u751f\u6d3b\u9700\u6c42\u5f97\u5230\u6eff\u8db3\u3002\u6839\u64da\u793e\u6703\u5b89\u5168\u4fdd\u969c\u7f72\u7684\u8cc7\u6599\uff0c\u76ee\u524d\u67096300\u842c\u4eba\u9818\u53d6\u793e\u5b89\u4fdd\u969c\u91d1\uff0c\u5176\u4e2d5500\u842c\u4eba\u9818\u53d6\u300c\u793e\u4fdd\u9000\u4f11\u91d1\u300d\u6216\u300c\u6b98\u969c\u4eba\u4fdd\u969c\u91d1\u300d\uff0c800\u842c\u4eba\u9818\u53d6\u300c\u793e\u4fdd\u8f14\u52a9\u91d1\u300d\u3002\u5f9e\u7e3d\u9ad4\u4e0a\u770b\uff0c\u76ee\u524d\u9818\u53d6\u793e\u5b89\u4fdd\u969c\u91d1\u7684\u5e73\u5747\u984d\u662f\u6bcf\u4eba\u6bcf\u67081082\u7f8e\u5143\u3002 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\u6839\u64da\u5c4b\u4e3b\u7684\u9700\u8981\uff0c\u5c07\u4ee5\u4e0a\u5e7e\u500b\u63d0\u53d6\u65b9\u6cd5\u505a\u5404\u7a2e\u7d44\u5408\u3002 \u7f8e\u570b\u5c0d\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u76e3\u7ba1\u5341\u5206\u56b4\u683c\uff0c\u6cd5\u898f\u7531\u570b\u6703\u901a\u904e\uff0c\u76ee\u524d\u7684\u76e3\u7ba1\u6a5f\u69cb\u662f\u806f\u90a6\u623f\u5c4b\u7f72\uff08FHA\uff09\u3002\u5728\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e2d\uff0c\u6700\u6d41\u884c\u7684\u662f\u7531\u806f\u90a6\u623f\u5c4b\u7f72\u64d4\u4fdd\u7684\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\uff08Home Equity Conversion Mortgage\uff0c\u7c21\u7a31HECM\uff09\uff0c\u5360\u6574\u500b\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u768490%\u3002 \u64da\u4f4f\u623f\u548c\u57ce\u5e02\u767c\u5c55\u90e8\uff08HUD\uff09\u7684\u7d71\u8a08\uff0c\u622a\u81f32010\u5e745\u6708\uff0c\u5168\u7f8e\u73fe\u6709\u8fd150\u842c\u5c4b\u4e3b\u6301\u6709\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\uff0c2009\u5e74\u4e00\u5e74\u4e2d\uff0c\u5c31\u670913\u842c\u5c4b\u4e3b\u7533\u8acb\u4e86\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\u3002 \u5f9e\u7e3d\u9ad4\u4e0a\u770b\uff0c\u7f8e\u570b\u8001\u4eba\u5229\u7528\u623f\u5c4b\u53cd\u5411\u8cb8\u6b3e\u7684\u9084\u6bd4\u8f03\u5c11\uff0c\u4f46\u537b\u6709\u9010\u6f38\u589e\u591a\u7684\u8da8\u52e2\u3002 \u96a8\u8457\u6230\u5f8c\u4e00\u4ee3\u9032\u5165\u9000\u4f11\u5e74\u9f61\uff0c\u800c\u9019\u6279\u4eba\u4e2d\u6709\u81ea\u5df1\u4f4f\u623f\u7684\u4eba\u7684\u6bd4\u4f8b\u5f88\u9ad8\uff0c\u5927\u5927\u9ad8\u65bc\u4e0a\u4e00\u4ee3\uff0c\u56e0\u6b64\u4eca\u5f8c\u5229\u7528\u623f\u5c4b\u53cd\u5411\u8cb8\u6b3e\u7684\u8001\u4eba\u8d8a\u4f86\u8d8a\u591a\u662f\u6c92\u6709\u7591\u554f\u7684\u3002 \u6587\u7ae0\u4f86\u6e90\uff1a\u300a\u7f8e\u570b\u53c3\u8003\u300b\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2015\/06\/23\/%e8%ab%87%e8%ab%87%e7%be%8e%e5%9c%8b%e4%ba%ba%e7%9a%84%e3%80%8c%e4%bb%a5%e6%88%bf%e9%a4%8a%e8%80%81%e3%80%8d\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/house-for-pension-home.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/house-for-pension-home.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"378\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2015-06-23T23:39:32+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2015-06-23T23:43:12+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u8ac7\u8ac7\u7f8e\u570b\u4eba\u7684\u300c\u4ee5\u623f\u990a\u8001\u300d - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u300c\u8001\u6709\u6240\u990a\u300d\u662f\u6bcf\u500b\u570b\u5bb6\u90fd\u9700\u9762\u81e8\u7684\u554f\u984c\uff0c\u96a8\u8457\u751f\u6d3b\u54c1\u8cea\u7684\u6539\u5584\uff0c\u8001\u5e74\u4eba\u7684\u58fd\u547d\u4e5f\u8d8a\u4f86\u8d8a\u9577\uff0c\u56e0\u6b64\uff0c\u59a5\u5584\u89e3\u6c7a\u8001\u6709\u6240\u990a\u7684\u554f\u984c\uff0c\u5c31\u6210\u70ba\u8feb\u4e0d\u5bb9\u7de9\u7684\u793e\u6703\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002 \u5728\u7e3d\u4eba\u53e3\u4e2d\uff0c\u8001\u5e74\u7f8e\u570b\u4eba\u5728\u4eba\u53e3\u4e2d\u7684\u6bd4\u4f8b\u5feb\u901f\u589e\u9577\uff0c\u540c\u6642\u4e5f\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u6d3b\u5f97\u66f4\u9577\u3002 \u6839\u64da15\u500b\u806f\u90a6\u653f\u5e9c\u6a5f\u69cb\u806f\u5408\u7de8\u5236\u7684\u6700\u65b0\u5831\u544a\u300a\u8001\u5e74\u7f8e\u570b\u4eba2012\u300b\uff08Older Americans 2012\uff09\u7684\u7d71\u8a08\uff0c2010\u5e74\u6642\uff0c\u5e74\u6eff65\u6b72\u7684\u7f8e\u570b\u4eba\u67094000\u842c\uff0c\u7d04\u5360\u7e3d\u4eba\u53e3\u768413\uff05\uff1b\u5230\u4e862030\u5e74\uff0c\u9019\u500b\u4eba\u53e3\u7fa4\u9ad4\u7684\u4eba\u6578\u5c07\u9054\u52307200\u842c\uff0c\u5360\u4eba\u53e3\u7e3d\u6578\u768420\uff05\u3002 \u5c0d\u65bc\u8001\u5e74\u5f8c\u7684\u990a\u8001\uff0c\u7f8e\u570b\u7684\u793e\u6703\u5b89\u5168\u4fdd\u969c\u9ad4\u7cfb\u6709\u8f03\u70ba\u5b8c\u5099\u7684\u898f\u5283\uff0c\u5373\u901a\u904e\u793e\u6703\u5b89\u5168\u9000\u4f11\u4fdd\u969c\u91d1\uff08Social Security Retirement Insurance Benefits\uff09\u3001\u9000\u4f11\u5e33\u6236\u5b58\u6b3e\u7b49\u65b9\u5f0f\uff0c\u4f7f\u7f8e\u570b\u4eba\u5728\u9000\u4f11\u5f8c\uff0c\u53ef\u4ee5\u7e7c\u7e8c\u6709\u4e00\u5b9a\u7684\u6536\u5165\uff0c\u4fdd\u8b49\u6700\u57fa\u672c\u7684\u751f\u6d3b\u9700\u6c42\u5f97\u5230\u6eff\u8db3\u3002\u6839\u64da\u793e\u6703\u5b89\u5168\u4fdd\u969c\u7f72\u7684\u8cc7\u6599\uff0c\u76ee\u524d\u67096300\u842c\u4eba\u9818\u53d6\u793e\u5b89\u4fdd\u969c\u91d1\uff0c\u5176\u4e2d5500\u842c\u4eba\u9818\u53d6\u300c\u793e\u4fdd\u9000\u4f11\u91d1\u300d\u6216\u300c\u6b98\u969c\u4eba\u4fdd\u969c\u91d1\u300d\uff0c800\u842c\u4eba\u9818\u53d6\u300c\u793e\u4fdd\u8f14\u52a9\u91d1\u300d\u3002\u5f9e\u7e3d\u9ad4\u4e0a\u770b\uff0c\u76ee\u524d\u9818\u53d6\u793e\u5b89\u4fdd\u969c\u91d1\u7684\u5e73\u5747\u984d\u662f\u6bcf\u4eba\u6bcf\u67081082\u7f8e\u5143\u3002 \u9664\u4e86\u793e\u4fdd\u9000\u4f11\u91d1\u5916\uff0c\u6309\u898f\u5b9a\u5728\u5de5\u4f5c\u671f\u9593\u5b58\u5165\u9000\u4f11\u5e33\u6236\u7684\u9322\uff0c\u5230\u4e86\u898f\u5b9a\u7684\u5e74\u9f61\uff08\u76ee\u524d\u662f59\u6b726\u500b\u6708\uff0c\u5728\u6b64\u4e4b\u524d\u5f9e\u9000\u4f11\u5e33\u6236\u53d6\u9322\u662f\u8981\u7f70\u6b3e\u7684\uff09\u5c31\u53ef\u4ee5\u62ff\u51fa\u4f86\u88dc\u8cbc\u5bb6\u7528\u4e86\u3002 \u5c0d\u65bc\u8a31\u591a\u7f8e\u570b\u4eba\u4f86\u8aaa\uff0c\u793e\u4fdd\u9000\u4f11\u91d1\u4ee5\u53ca\u9000\u4f11\u5e33\u6236\u7684\u9322\uff0c\u4e26\u4e0d\u8db3\u4ee5\u7dad\u6301\u5404\u7a2e\u751f\u6d3b\u9700\u8981\uff0c\u56e0\u6b64\uff0c\u5c31\u6709\u5fc5\u8981\u8003\u616e\u5176\u4ed6\u300c\u4f86\u9322\u300d\u7684\u9014\u5f91\uff0c\u5176\u4e2d\u4e4b\u4e00\u4fbf\u662f\u300c\u4ee5\u623f\u990a\u8001\u300d\u3002 \u9019\u88e1\u6240\u8aaa\u7684\u300c\u4ee5\u623f\u990a\u8001\u300d\uff0c\u4e26\u4e0d\u662f\u6307\u6709\u5e7e\u68df\u623f\u5b50\u53ef\u4ee5\u51fa\u79df\uff0c\u7528\u79df\u91d1\u88dc\u8cbc\u5bb6\u7528\uff0c\u800c\u662f\u6307\u300c\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u300d\uff08reverse mortgage\uff09\uff0c\u5373\u7528\u81ea\u5df1\u76ee\u524d\u6240\u5c45\u4f4f\u7684\u623f\u5b50\u4f86\u5f97\u5230\u8cb8\u6b3e\uff0c\u5229\u7528\u8cb8\u6b3e\u7684\u9322\u88dc\u8cbc\u5bb6\u7528\u3002 \u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u6700\u5927\u512a\u9ede\u662f\u5c4b\u4e3b\u4e0d\u4f46\u53ef\u4ee5\u5c07\u81ea\u5df1\u7684\u623f\u5b50\u50cf\u63d0\u6b3e\u6a5f\u4e00\u6a23\u53d6\u9322\uff0c\u800c\u4e14\u53ef\u4ee5\u5728\u81ea\u5df1\u7684\u623f\u5b50\u4e2d\u4e00\u76f4\u4f4f\u4e0b\u53bb\uff0c\u76f4\u5230\u53bb\u4e16\u6216\u4e0d\u60f3\u518d\u4f4f\u4e86\u70ba\u6b62\u3002 \u7f3a\u9ede\u662f\u5c4b\u4e3b\u7684\u623f\u5b50\u5f88\u53ef\u80fd\u4e0d\u518d\u5c6c\u65bc\u4e0b\u4e00\u4ee3\u6216\u5176\u4ed6\u7e7c\u627f\u4eba\u3002 \u56e0\u6b64\uff0c\u5229\u7528\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u8001\u5e74\u4eba\uff0c\u5f80\u5f80\u66f4\u91cd\u8996\u81ea\u5df1\u8001\u5e74\u6642\u7684\u751f\u6d3b\u800c\u4e0d\u5728\u4e4e\u6709\u6c92\u6709\u623f\u7522\u53ef\u4ee5\u8b93\u5b50\u5973\u7e7c\u627f\u3002 \u6240\u8b02\u7684\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\uff0c\u9867\u540d\u601d\u7fa9\uff0c\u5373\u8207\u666e\u901a\u7684\u623f\u5c4b\u62b5\u62bc\u8cb8\u6b3e\u76f8\u53cd\u3002 \u666e\u901a\u623f\u5c4b\u8cb8\u6b3e\u662f\u5c4b\u4e3b\u6bcf\u500b\u6708\u5f9e\u81ea\u5df1\u7684\u8170\u5305\u4e2d\u62ff\u9322\u9084\u8cb8\uff1b\u800c\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u96d6\u7136\u4e5f\u662f\u5411\u8cb8\u6b3e\u6a5f\u69cb\u501f\u9322\uff0c\u4f46\u4e26\u4e0d\u9700\u8981\u9084\u8cb8\uff0c\u53cd\u800c\u8cb8\u6b3e\u8005\u6bcf\u6708\u5bc4\u4e00\u5b9a\u6578\u76ee\u7684\u9322\u7d66\u5c4b\u4e3b\uff0c\u4f9b\u5c4b\u4e3b\u4f7f\u7528\u3002 \u5c4b\u4e3b\u6709\u4e86\u9019\u7b46\u9322\uff0c\u5c31\u53ef\u4ee5\u5f4c\u88dc\u793e\u4fdd\u9000\u4f11\u91d1\u53ca\u9000\u4f11\u5e33\u6236\u7684\u4e0d\u8db3\uff0c\u7528\u4ee5\u65e5\u5e38\u7684\u958b\u652f\u3002 \u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u6700\u57fa\u672c\u56e0\u7d20\u662f\u5c4b\u4e3b\u7684\u5e74\u9f61\u53ca\u623f\u5c4b\u300c\u6de8\u503c\u300d\u3002 \u6839\u64da\u898f\u5b9a\uff0c\u7b26\u5408\u689d\u4ef6\u7533\u8acb\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u4eba\uff0c\u9996\u5148\u5fc5\u9808\u5e74\u6eff62\u6b72\uff0c\u5728\u5176\u4ed6\u689d\u4ef6\u76f8\u540c\u7684\u60c5\u6cc1\u4e0b\uff0c\u5e74\u9f61\u8d8a\u5927\uff0c\u7372\u5f97\u7684\u8cb8\u6b3e\u984d\u8d8a\u591a\u3002 \u6b64\u5916\uff0c\u7533\u8acb\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u4eba\uff0c\u5fc5\u9808\u64c1\u6709\u5c6c\u65bc\u81ea\u5df1\u7684\u623f\u5b50\uff0c\u800c\u4e14\u9019\u500b\u623f\u5b50\u5fc5\u9700\u6709\u300c\u6de8\u503c\u300d\uff0c\u5373\u623f\u5c4b\u7684\u50f9\u503c\u9ad8\u65bc\u6240\u6b20\u7684\u8cb8\u6b3e\u984d\uff0c\u300c\u6de8\u503c\u300d\u8d8a\u9ad8\uff0c\u53ef\u4ee5\u5f97\u5230\u7684\u8cb8\u6b3e\u4e5f\u8d8a\u591a\u3002 \u8209\u4f8b\u4f86\u8aaa\uff0c\u4e00\u500b65\u6b72\u7684\u4eba\uff0c\u6709\u4e00\u68df\u300c\u6de8\u503c\u300d20\u842c\u7f8e\u5143\u7684\u623f\u5b50\uff0c\u90a3\u9ebc\u4ed6\u53ef\u80fd\u5f97\u5230\u7684\u8cb8\u6b3e\uff0c\u6bd4\u53ea\u670915\u842c\u7f8e\u5143\u300c\u6de8\u503c\u300d\u7684\u623f\u5c4b\u5c4b\u4e3b\u8981\u9ad8\uff1b\u800c\u4e00\u500b65\u6b72\u7684\u4eba\uff0c\u6709\u4e00\u68df\u300c\u6de8\u503c\u300d20\u842c\u7f8e\u5143\u7684\u623f\u5b50\uff0c\u90a3\u9ebc\u4ed6\u53ef\u80fd\u5f97\u5230\u7684\u8cb8\u6b3e\uff0c\u6bd470\u6b72\u3001\u540c\u6a23\u6709\u4e00\u68df\u300c\u6de8\u503c\u300d20\u842c\u7f8e\u5143\u7684\u623f\u5b50\u7684\u5c4b\u4e3b\u80fd\u5920\u5f97\u5230\u7684\u8cb8\u6b3e\u8981\u5c11\u3002\u7576\u7136\uff0c\u9664\u4e86\u5c4b\u4e3b\u5e74\u9f61\u3001\u623f\u5c4b\u6de8\u503c\u5916\uff0c\u5f71\u97ff\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u984d\u7684\u56e0\u7d20\u9084\u5305\u62ec\u5229\u7387\u3001\u653f\u5e9c\u5c0d\u8cb8\u6b3e\u984d\u5ea6\u7684\u9650\u5236\u7b49\u56e0\u7d20\u3002\u800c\u7533\u8acb\u666e\u901a\u623f\u5c4b\u8cb8\u6b3e\u6642\u5341\u5206\u91cd\u8981\u7684\u500b\u4eba\u4fe1\u7528\u3001\u6536\u5165\u7b49\u56e0\u7d20\uff0c\u5c0d\u65bc\u7533\u8acb\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u5b8c\u5168\u4e0d\u8d77\u4f5c\u7528\uff0c\u9019\u662f\u7279\u5225\u503c\u5f97\u6307\u51fa\u7684\u3002 \u5c4b\u4e3b\u7533\u8acb\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e26\u5f97\u5230\u6279\u51c6\u7684\u8a71\uff0c\u4e00\u822c\u6709\u5e7e\u500b\u65b9\u6cd5\u9818\u53d6\u73fe\u91d1\uff1a 1. \u4e00\u6b21\u6027\u63d0\u53d6\u73fe\u91d1\uff0c\u5373\u5c07\u5168\u90e8\u8cb8\u6b3e\u984d\u4e00\u6b21\u6027\u53d6\u51fa\u3002 2. \u6bcf\u500b\u6708\u63d0\u53d6\u76f8\u540c\u6578\u984d\u7684\u73fe\u91d1\uff0c\u7121\u8ad6\u6642\u9593\u591a\u9577\uff0c\u53ea\u8981\u5c4b\u4e3b\u4e00\u76f4\u4f4f\u5728\u9019\u500b\u623f\u5b50\u88e1\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c31\u5fc5\u9808\u6309\u6708\u652f\u4ed8\u9322\u6b3e\uff0c\u6c92\u6709\u7e3d\u6578\u4e0a\u9650\u3002 \u6bd4\u5982\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6bcf\u500b\u6708\u652f\u4ed8500\u7f8e\u91d1\u7d66\u5c4b\u4e3b\uff0c\u6c92\u6709\u6642\u9593\u9650\u5236\uff0c\u76f4\u5230\u5c4b\u4e3b\u53bb\u4e16\u6216\u642c\u5bb6\u3002 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- News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u300c\u8001\u6709\u6240\u990a\u300d\u662f\u6bcf\u500b\u570b\u5bb6\u90fd\u9700\u9762\u81e8\u7684\u554f\u984c\uff0c\u96a8\u8457\u751f\u6d3b\u54c1\u8cea\u7684\u6539\u5584\uff0c\u8001\u5e74\u4eba\u7684\u58fd\u547d\u4e5f\u8d8a\u4f86\u8d8a\u9577\uff0c\u56e0\u6b64\uff0c\u59a5\u5584\u89e3\u6c7a\u8001\u6709\u6240\u990a\u7684\u554f\u984c\uff0c\u5c31\u6210\u70ba\u8feb\u4e0d\u5bb9\u7de9\u7684\u793e\u6703\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002 \u5728\u7e3d\u4eba\u53e3\u4e2d\uff0c\u8001\u5e74\u7f8e\u570b\u4eba\u5728\u4eba\u53e3\u4e2d\u7684\u6bd4\u4f8b\u5feb\u901f\u589e\u9577\uff0c\u540c\u6642\u4e5f\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u6d3b\u5f97\u66f4\u9577\u3002 \u6839\u64da15\u500b\u806f\u90a6\u653f\u5e9c\u6a5f\u69cb\u806f\u5408\u7de8\u5236\u7684\u6700\u65b0\u5831\u544a\u300a\u8001\u5e74\u7f8e\u570b\u4eba2012\u300b\uff08Older Americans 2012\uff09\u7684\u7d71\u8a08\uff0c2010\u5e74\u6642\uff0c\u5e74\u6eff65\u6b72\u7684\u7f8e\u570b\u4eba\u67094000\u842c\uff0c\u7d04\u5360\u7e3d\u4eba\u53e3\u768413\uff05\uff1b\u5230\u4e862030\u5e74\uff0c\u9019\u500b\u4eba\u53e3\u7fa4\u9ad4\u7684\u4eba\u6578\u5c07\u9054\u52307200\u842c\uff0c\u5360\u4eba\u53e3\u7e3d\u6578\u768420\uff05\u3002 \u5c0d\u65bc\u8001\u5e74\u5f8c\u7684\u990a\u8001\uff0c\u7f8e\u570b\u7684\u793e\u6703\u5b89\u5168\u4fdd\u969c\u9ad4\u7cfb\u6709\u8f03\u70ba\u5b8c\u5099\u7684\u898f\u5283\uff0c\u5373\u901a\u904e\u793e\u6703\u5b89\u5168\u9000\u4f11\u4fdd\u969c\u91d1\uff08Social Security Retirement Insurance 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\u6587\u7ae0\u4f86\u6e90\uff1a\u300a\u7f8e\u570b\u53c3\u8003\u300b","og:url":"https:\/\/newsforchinese.com\/v3\/2015\/06\/23\/%e8%ab%87%e8%ab%87%e7%be%8e%e5%9c%8b%e4%ba%ba%e7%9a%84%e3%80%8c%e4%bb%a5%e6%88%bf%e9%a4%8a%e8%80%81%e3%80%8d\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/house-for-pension-home.jpg","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/house-for-pension-home.jpg","og:image:width":600,"og:image:height":378,"article:published_time":"2015-06-23T23:39:32+00:00","article:modified_time":"2015-06-23T23:43:12+00:00","twitter:card":"summary_large_image","twitter:title":"\u8ac7\u8ac7\u7f8e\u570b\u4eba\u7684\u300c\u4ee5\u623f\u990a\u8001\u300d - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","twitter:description":"\u300c\u8001\u6709\u6240\u990a\u300d\u662f\u6bcf\u500b\u570b\u5bb6\u90fd\u9700\u9762\u81e8\u7684\u554f\u984c\uff0c\u96a8\u8457\u751f\u6d3b\u54c1\u8cea\u7684\u6539\u5584\uff0c\u8001\u5e74\u4eba\u7684\u58fd\u547d\u4e5f\u8d8a\u4f86\u8d8a\u9577\uff0c\u56e0\u6b64\uff0c\u59a5\u5584\u89e3\u6c7a\u8001\u6709\u6240\u990a\u7684\u554f\u984c\uff0c\u5c31\u6210\u70ba\u8feb\u4e0d\u5bb9\u7de9\u7684\u793e\u6703\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002 \u5728\u7e3d\u4eba\u53e3\u4e2d\uff0c\u8001\u5e74\u7f8e\u570b\u4eba\u5728\u4eba\u53e3\u4e2d\u7684\u6bd4\u4f8b\u5feb\u901f\u589e\u9577\uff0c\u540c\u6642\u4e5f\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u6d3b\u5f97\u66f4\u9577\u3002 \u6839\u64da15\u500b\u806f\u90a6\u653f\u5e9c\u6a5f\u69cb\u806f\u5408\u7de8\u5236\u7684\u6700\u65b0\u5831\u544a\u300a\u8001\u5e74\u7f8e\u570b\u4eba2012\u300b\uff08Older Americans 2012\uff09\u7684\u7d71\u8a08\uff0c2010\u5e74\u6642\uff0c\u5e74\u6eff65\u6b72\u7684\u7f8e\u570b\u4eba\u67094000\u842c\uff0c\u7d04\u5360\u7e3d\u4eba\u53e3\u768413\uff05\uff1b\u5230\u4e862030\u5e74\uff0c\u9019\u500b\u4eba\u53e3\u7fa4\u9ad4\u7684\u4eba\u6578\u5c07\u9054\u52307200\u842c\uff0c\u5360\u4eba\u53e3\u7e3d\u6578\u768420\uff05\u3002 \u5c0d\u65bc\u8001\u5e74\u5f8c\u7684\u990a\u8001\uff0c\u7f8e\u570b\u7684\u793e\u6703\u5b89\u5168\u4fdd\u969c\u9ad4\u7cfb\u6709\u8f03\u70ba\u5b8c\u5099\u7684\u898f\u5283\uff0c\u5373\u901a\u904e\u793e\u6703\u5b89\u5168\u9000\u4f11\u4fdd\u969c\u91d1\uff08Social Security Retirement Insurance 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\u5c4b\u4e3b\u7533\u8acb\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e26\u5f97\u5230\u6279\u51c6\u7684\u8a71\uff0c\u4e00\u822c\u6709\u5e7e\u500b\u65b9\u6cd5\u9818\u53d6\u73fe\u91d1\uff1a 1. \u4e00\u6b21\u6027\u63d0\u53d6\u73fe\u91d1\uff0c\u5373\u5c07\u5168\u90e8\u8cb8\u6b3e\u984d\u4e00\u6b21\u6027\u53d6\u51fa\u3002 2. \u6bcf\u500b\u6708\u63d0\u53d6\u76f8\u540c\u6578\u984d\u7684\u73fe\u91d1\uff0c\u7121\u8ad6\u6642\u9593\u591a\u9577\uff0c\u53ea\u8981\u5c4b\u4e3b\u4e00\u76f4\u4f4f\u5728\u9019\u500b\u623f\u5b50\u88e1\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c31\u5fc5\u9808\u6309\u6708\u652f\u4ed8\u9322\u6b3e\uff0c\u6c92\u6709\u7e3d\u6578\u4e0a\u9650\u3002 \u6bd4\u5982\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6bcf\u500b\u6708\u652f\u4ed8500\u7f8e\u91d1\u7d66\u5c4b\u4e3b\uff0c\u6c92\u6709\u6642\u9593\u9650\u5236\uff0c\u76f4\u5230\u5c4b\u4e3b\u53bb\u4e16\u6216\u642c\u5bb6\u3002 \u56e0\u6b64\uff0c\u5f9e\u5f97\u5230\u8cb8\u6b3e\u958b\u59cb\uff0c\u6d3b\u5f97\u8d8a\u9577\uff0c\u5f97\u5230\u7684\u9322\u5c31\u8d8a\u591a\uff0c\u4e5f\u6b63\u662f\u9019\u500b\u56e0\u7d20\uff0c\u5e74\u7d00\u8d8a\u5927\u8005\uff0c\u6bcf\u6708\u5f97\u5230\u7684\u8cb8\u6b3e\u91d1\u984d\u5c31\u8d8a\u591a\uff0c\u7562\u7adf\u5e74\u7d00\u8d8a\u5927\uff0c\u8d8a\u53ef\u80fd\u66f4\u65e9\u5730\u96e2\u958b\u4eba\u4e16\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c31\u53ef\u5c11\u652f\u4ed8\u6bcf\u6708\u73fe\u6b3e\u6b21\u6578\u3002 3. \u5728\u898f\u5b9a\u7684\u5e74\u9650\u4e2d\uff0c\u6bcf\u500b\u6708\u652f\u4ed8\u76f8\u540c\u6578\u984d\u7684\u73fe\u6b3e\uff0c\u6bd4\u598220\u5e74\u5167\u6bcf\u500b\u6708\u652f\u4ed8500\u7f8e\u91d1\u3002 4. \u8a2d\u5b9a\u4e00\u500b\u8cb8\u6b3e\u984d\u5ea6\uff0c\u5728\u4efb\u4f55\u6642\u5019\u53ef\u4ee5\u96a8\u6642\u63d0\u53d6\uff0c\u76f4\u5230\u8cb8\u6b3e\u984d\u5ea6\u63d0\u53d6\u5b8c\u3002 5. 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\u4e00\u500b\u4eba\u5e74\u6eff62\u6b72\u5c31\u53ef\u4ee5\u958b\u59cb\u9818\u9000\u4f11\u91d1\uff0c\u4f46\u8981\u62537\u6298\uff0c\u6bcf\u63a8\u9072\u4e00\u500b\u6708\u9818\u53d6\uff0c\u6253\u7684\u6298\u6263\u5c31\u5c11\u4e00\u4e9b\u3002 2\u3001\u6b63\u5e38\u9000\u4f11 \u6839\u64da\u51fa\u751f\u65e5\u671f\u7684\u4e0d\u540c\uff0c\u7f8e\u570b\u793e\u6703\u4fdd\u969c\u5c40(The UnitedStates Social Security Administration )\u8a2d\u5b9a\u4e86\u4e0d\u540c\u7684\u201c\u6b63\u5e38\u201d\u9000\u4f11\u5e74\u9f61\uff0c\u6bd4\u5982\uff1a 1937\u5e74\u548c1937\u5e74\u4ee5\u524d\u51fa\u751f\u8005\uff0c\u9000\u4f11\u5e74\u9f61\u662f65\u6b72\uff1b 1943\u5e74\u52301954\u5e74\u4e4b\u9593\u51fa\u751f\u8005\uff0c\u9000\u4f11\u5e74\u9f61\u662f66\u6b72\uff1b 1960\u5e74\u548c1960\u5e74\u4ee5\u5f8c\u51fa\u751f\u8005\uff0c\u9000\u4f11\u5e74\u9f61\u662f67\u6b72\u3002 \u5728\u201c\u6b63\u5e38\u201d\u9000\u4f11\u5e74\u9f61\u5167\u9000\u4f11\u7684\u4eba\uff0c\u53ef\u4ee5\u9818\u53d6\u5168\u984d\u9000\u4f11\u91d1\u3002 3\u3001\u5ef6\u9072\u9000\u4f11 \u5728\u7f8e\u570b\uff0c\u4eba\u5011\u9078\u64c7\u5ef6\u9072\u9000\u4f11\u7684\u7406\u7531\u5f88\u591a\uff0c\u6709\u7684\u4eba\u662f\u559c\u6b61\u5de5\u4f5c\u3001\u9858\u610f\u767c\u63ee\u9918\u71b1\uff0c\u66f4\u591a\u7684\u4eba\u662f\u70ba\u4e86\u591a\u8cfa\u9ede\u9322\uff0c\u597d\u8b93\u81ea\u5df1\u80fd\u904e\u4e00\u500b\u66f4\u5b89\u5b9a\u3001\u5bcc\u8db3\u7684\u665a\u5e74\u3002 \u9078\u64c7\u5ef6\u9072\u9000\u4f11\u7684\u4eba\u5728\u539f\u6709\u7684\u9000\u4f11\u91d1\u57fa\u790e\u4e0a\u9084\u80fd\u7372\u5f97\u734e\u52f5\u6027\u7684\u6536\u76ca(Delayed Retirement Credits) 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2013\u5e74\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u7537\u6027\u4e4b\u4e2d\u670924%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\uff0c65\u6b72\u4ee5\u4e0a\u7684\u5973\u6027\u4e2d\u670915%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\u3002 \u7f8e\u570b\u793e\u6703\u4fdd\u969c\u5c40\uff08The United States Social Security Administration\uff09\u7684\u5e74\u5ea6\u7d71\u8a08\u5831\u544a\u4e5f\u986f\u793a\u4e86\u540c\u6a23\u7684\u60c5\u6cc1\u3002\u4ee5\u7537\u6027\u6578\u64da\u70ba\u4f8b\uff0c 2000\u5e74\u6642\uff0c\u670941.6%\u5e74\u6eff62\u6b72\u7684\u7f8e\u570b\u4eba\u9078\u64c7\u7533\u9818\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u4e0b\u8dcc\u523037.2% \uff1b2000\u5e74\u6642\uff0c\u670931.7% \u9054\u5230\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u7684\u7f8e\u570b\u4eba\u958b\u59cb\u7533\u8acb\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u70ba31.5% \u3002 \u7f8e\u570b\u9000\u4f11\u653f\u7b56\u7684\u7531\u4f86\u53ca\u5b58\u5728\u7684\u554f\u984c 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