{"id":150875,"date":"2018-01-22T10:10:19","date_gmt":"2018-01-22T18:10:19","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=150875"},"modified":"2018-01-22T21:59:20","modified_gmt":"2018-01-23T05:59:20","slug":"yahoo-finance%e6%8e%a8%e6%96%b0%e5%ad%98%e9%8c%a2%e6%87%89%e7%94%a8%e7%a8%8b%e5%bc%8ftanda","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2018\/01\/22\/yahoo-finance%e6%8e%a8%e6%96%b0%e5%ad%98%e9%8c%a2%e6%87%89%e7%94%a8%e7%a8%8b%e5%bc%8ftanda\/","title":{"rendered":"Yahoo Finance\u63a8\u65b0\u5b58\u9322\u61c9\u7528\u7a0b\u5f0fTanda"},"content":{"rendered":"<p>Yahoo Finance\u65bc1\u670819\u65e5\u63a8\u51fa\u540d\u70baTanda\u7684\u65b0app\uff0c\u53ef\u4ee5\u8b93\u4e00\u500b\u4e94\u5230\u4e5d\u4eba\u7684\u5c0f\u7fa4\u7d44\uff0c\u4f86\u70ba\u4e00\u500b\u77ed\u671f\u76ee\u6a19\u4e00\u8d77\u5b58\u9322\u3002<!--more-->\u8a72\u61c9\u7528\u7a0b\u5f0f\u4f7f\u7528\u7684\u662f\u300c\u516c\u5eab\u300d(money pool)\u7684\u6982\u5ff5\uff0c\u4e5f\u5c31\u662f\u6bcf\u4e00\u500b\u53c3\u8207Tanda\u5408\u4f5c\u5132\u84c4\u5708\u7684\u4eba\uff0c\u6bcf\u500b\u6708\u90fd\u8981\u4ed8\u4e00\u7b46\u56fa\u5b9a\u91d1\u984d\u5230\u6bcf\u500b\u5c0f\u7d44\u7684\u5b58\u9322\u7b52\u4e2d\uff0c\u7136\u5f8c\u6bcf\u500b\u6708\u90fd\u6709\u4e00\u540d\u6210\u54e1\uff0c\u53ef\u4ee5\u628a\u9019\u7b52\u4e2d\u7684\u9322\u62ff\u56de\u5bb6\u3002<\/p>\n<p>\u5b83\u662f\u5f9e\u50b3\u7d71\u7684\u300c\u6a19\u6703\u300d(rotating savings and credit associations)\u6982\u5ff5\u8b8a\u5316\u51fa\u4f86\u7684\uff0c\u900f\u904e\u96c6\u9ad4\u58d3\u529b\u4f86\u5f37\u8feb\u4eba\u4f86\u5b58\u9322\u3002\u4f46\u6bd4\u8d77\u6a19\u6703\u4f86\uff0cTanda\u8b93\u5b58\u9322\u66f4\u6709\u4e92\u52a9\u6027\u8207\u793e\u6703\u6027\u3002<\/p>\n<p>\u5b58\u5728Tanda\u8207\u81ea\u5df1\u5b58\u7684\u5dee\u7570\uff0c\u5728\u65bc\u9019\u500b\u61c9\u7528\u7a0b\u5f0f\u53ef\u4ee5\u5982\u4f55\u8655\u7406\u652f\u51fa\u3002\u982d\u5169\u500b\u6536\u5230\u7b52\u4e2d\u9322\u7684\u4eba\u8981\u4ed8\u4e00\u7b46\u8cbb\u7528\uff0c\u4f46\u6700\u5f8c\u62ff\u9322\u7684\u4eba\u5247\u53ef\u73722%\u7684\u73fe\u91d1\u7d05\u5229\u3002\u9019\u6a23\u7684\u734e\u52f5\u63aa\u65bd\u6703\u8b93\u4eba\u6709\u610f\u9858\u7b49\u5230\u6700\u5f8c\u9818\uff0c\u4e5f\u53ef\u8b93\u6025\u9700\u9322\u7684\u4eba\u99ac\u4e0a\u62ff\u5230\u73fe\u91d1\u3002<\/p>\n<p>\u5a92\u9ad4\u4e8b\u696d\u8207\u7522\u54c1\u8ca0\u8cac\u4ebaSimon Khalaf\uff0c\u5411TechCrunch\u89e3\u91cb\u4ed6\u5011\u70ba\u4f55\u8981\u51fa\u9019\u500bapp\u6642\u8aaa\uff1a\u300c\u5341\u4e09\u500b\u6708\u524d\uff0c\u4e00\u5bb6\u5168\u570b\u6027\u5a92\u9ad4\u8aaa\uff0c\u670946%\u7684\u7f8e\u570b\u4eba\u62ff\u4e0d\u51fa\u56db\u767e\u5143\u4f86\u61c9\u6025\u3002\u9019\u555f\u767c\u4e86\u6211\u5011\u4f86\u958b\u767cTanda\uff0c\u4e00\u6b3e\u6578\u4e16\u7d00\u8001\u7684\u793e\u5340\u5b58\u9322\u5de5\u5177\u7684\u6578\u4f4d\u884c\u52d5\u7248\u3002\u300d<\/p>\n<p>\u9019\u6b3eapp\u5df2\u5728Yahoo Finance\u7684\u54c1\u724c\u4e0b\u767c\u884c\u3002<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"business,technology,money,tech\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1516615819\"\r\n\t            data-title=\"Yahoo Finance\u63a8\u65b0\u5b58\u9322\u61c9\u7528\u7a0b\u5f0fTanda\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Yahoo Finance\u65bc1\u670819\u65e5\u63a8\u51fa\u540d\u70baTanda\u7684\u65b0app\uff0c\u53ef\u4ee5\u8b93\u4e00\u500b\u4e94\u5230\u4e5d\u4eba\u7684\u5c0f\u7fa4\u7d44\uff0c\u4f86\u70ba\u4e00\u500b\u77ed\u671f\u76ee\u6a19\u4e00\u8d77\u5b58\u9322\u3002<\/p>\n","protected":false},"author":1001022,"featured_media":150876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[609,614,18,151],"tags":[],"series":[],"class_list":["post-150875","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-technology","category-money","category-tech"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- 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content=\"ca-pub-9175855296033541\">\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta 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=\"Yahoo Finance\u63a8\u65b0\u5b58\u9322\u61c9\u7528\u7a0b\u5f0fTanda - 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=\"Yahoo Finance\u65bc1\u670819\u65e5\u63a8\u51fa\u540d\u70baTanda\u7684\u65b0app\uff0c\u53ef\u4ee5\u8b93\u4e00\u500b\u4e94\u5230\u4e5d\u4eba\u7684\u5c0f\u7fa4\u7d44\uff0c\u4f86\u70ba\u4e00\u500b\u77ed\u671f\u76ee\u6a19\u4e00\u8d77\u5b58\u9322\u3002\u8a72\u61c9\u7528\u7a0b\u5f0f\u4f7f\u7528\u7684\u662f\u300c\u516c\u5eab\u300d(money pool)\u7684\u6982\u5ff5\uff0c\u4e5f\u5c31\u662f\u6bcf\u4e00\u500b\u53c3\u8207Tanda\u5408\u4f5c\u5132\u84c4\u5708\u7684\u4eba\uff0c\u6bcf\u500b\u6708\u90fd\u8981\u4ed8\u4e00\u7b46\u56fa\u5b9a\u91d1\u984d\u5230\u6bcf\u500b\u5c0f\u7d44\u7684\u5b58\u9322\u7b52\u4e2d\uff0c\u7136\u5f8c\u6bcf\u500b\u6708\u90fd\u6709\u4e00\u540d\u6210\u54e1\uff0c\u53ef\u4ee5\u628a\u9019\u7b52\u4e2d\u7684\u9322\u62ff\u56de\u5bb6\u3002 \u5b83\u662f\u5f9e\u50b3\u7d71\u7684\u300c\u6a19\u6703\u300d(rotating savings and credit 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\u4e0d\u7ba1\u662f\u5f9e\u516c\u53f8\u7684\u85aa\u6c34\u652f\u7968\u6216\u662f\u5f9e\u9280\u884c\u5e33\u6236\uff0c\u90fd\u53ef\u4ee5\u8a2d\u5b9a\u6bcf\u500b\u6708\u81ea\u52d5\u628a\u9322\u8f49\u5b58\u5230\u6295\u8cc7\u5e33\u6236\uff0c\u7136\u5f8c\u81ea\u52d5\u6295\u5165\u80a1\u7968\u6216\u5171\u540c\u57fa\u91d1\u3002 \u00a0 \u9019\u662f\u500b\u4e00\u52de\u6c38\u9038\u7684\u8fa6\u6cd5\uff0c\u53ea\u8981\u9ebb\u7169\u904e\u4e00\u6b21\uff0c\u4ee5\u5f8c\u5b83\u81ea\u52d5\u767c\u751f\uff0c\u6c38\u9060\u4e0d\u6703\u611f\u53d7\u5230\u9322\u7121\u6cd5\u7acb\u5373\u4eab\u53d7\u7684\u75db\u82e6\uff0c\u6211\u5011\u5f88\u5feb\u5c31\u6703\u9069\u61c9\u6bcf\u500b\u6708\u5c11\u4e86160\u5143\u7684\u751f\u6d3b\u3002\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":209209,"url":"https:\/\/newsforchinese.com\/v3\/2021\/10\/26\/%e5%9c%a8%e7%be%8e%e5%9c%8b%ef%bc%8c%e9%80%80%e4%bc%91%e4%b9%8b%e5%be%8c%e5%a6%82%e4%bd%95%e9%a4%8a%e8%80%81%ef%bc%9f\/","url_meta":{"origin":150875,"position":2},"title":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f","author":"Raymond","date":"October 26, 2021","format":false,"excerpt":"\u6309\u7167\u4fdd\u96aa\u516c\u53f8\u767c\u5e03\u7684\u6700\u65b0\u6578\u64da\uff0c\u5982\u4eca\u7f8e\u570b\u4eba\u4e2d\uff0c65\u6b72\u7684\u7537\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523085\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523092\u6b72\uff1b65\u6b72\u7684\u5973\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523088\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523094\u6b72\u3002 \u96a8\u8457\u4eba\u5011\u58fd\u547d\u7684\u589e\u52a0\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\u5c31\u6210\u4e86\u4eba\u5011\u5fc5\u9808\u8981\u9762\u81e8\u7684\u554f\u984c\u3002 \u5927\u5bb6\u5148\u4f86\u4e86\u89e3\u4e00\u4e0b\u7f8e\u570b\u9000\u4f11\u8a08\u5283\u7684\u4e09\u5927\u4e3b\u8981\u9ad4\u7cfb\uff1a\u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1(Social Security Tax)\uff0c\u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1(Pension Plan)\u53ca\u500b\u4eba\u9000\u4f11\u91d1\u8a08\u5283 (401k, IRA\u7b49)\u3002 01. Social Security Tax \u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1 \u9019\u9805\u9ad4\u4fc2\u662f\u7531\u806f\u90a6\u653f\u5e9c\u4e3b\u5c0e\u4e26\u5f37\u5236\u5be6\u65bd\u7684\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u6240\u6709\u516c\u53f8\u50f1\u54e1\u90fd\u9700\u5f37\u5236\u53c3\u8207\u3002\u8a08\u7b97\u65b9\u5f0f\u662f\u5c07\u7a05\u524d\u6536\u5165\u7684\u4e00\u5b9a\u6bd4\u4f8b(\u76ee\u524d\u662f6.2%)\u4ea4\u7d66\u7f8e\u570b\u653f\u5e9c\uff0c\u5728\u6bcf\u500b\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u53ef\u4ee5\u770b\u5230\u5b83\u7684\u81ea\u52d5\u6263\u9664\u3002\u5176\u4e2d\u9700\u8981\u4ea4\u7a05\u7684\u6536\u5165\u6703\u6709\u4e00\u500b\u4e0a\u9650\uff0c\u8d85\u51fa\u90e8\u5206\u5247\u7121\u9700\u7e73\u7a05\uff0c\u9019\u4e00\u4e0a\u7dda\u6703\u6839\u64da\u901a\u8ca8\u81a8\u8139\u7387\u505a\u51fa\u76f8\u61c9\u8abf\u6574\uff0c \u59822018\u5e74\u70ba$128,400\uff0c2019\u5e74\u70ba$132,900\u3002\u53c3\u8207\u7e73\u8cbb\u7684\u6c11\u773e\u5728\u7d2f\u8a08\u4ea4\u6eff40\u500b\u5b63\u5ea6(\u537310\u5e74)\u5f8c\uff0c\u5728\u9000\u4f11\u5f8c\u5c31\u53ef\u9818\u53d6\u76f8\u61c9\u7684\u9000\u4f11\u798f\u5229\u4e86\u3002 02. Pension Plan \u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1 \u9000\u4f11\u91d1\u4e0d\u9700\u8981\u516c\u53f8\u548c\u653f\u5e9c\u7684\u50f1\u54e1\u53c3\u8207\u4ea4\u9322\uff0c\u6240\u6709\u8cbb\u7528\u548c\u798f\u5229\u7531\u516c\u53f8\u548c\u653f\u5e9c\u55ae\u65b9\u9762\u8ca0\u8cac\u627f\u64d4\u548c\u7d93\u71df\u3002 03. 401k, IRA \u500b\u4eba\u9000\u4f11\u8a08\u5283 \u9700\u8981\u54e1\u5de5\u81ea\u5df1\u5b58\u9322\u9032401k\u8cec\u6236\u88e1\u9762\uff0c\u9019\u500b\u90e8\u5206\u662f\u770b\u500b\u4eba\u60f3\u8981\u5b58\u5165\u85aa\u6c34\u7684\u767e\u5206\u6bd4\u6216\u6578\u984d\uff0c\u518d\u5728\u6bcf\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u6263\u9664\u7684\u3002\u76f8\u7576\u591a\u7684\u516c\u53f8\u4ee5401k match\u70ba\u798f\u5229\u5e6b\u52a9\u54e1\u5de5\u5b58\u9322\uff0c\u610f\u601d\u662f\u54e1\u5de5\u5b58\u5165\u4e00\u7b46\u9322\u9032\u81ea\u5df1\u7684401k\u8cec\u6236\uff0c\u516c\u53f8\u5b58\u5165\u76f8\u540c\u6578\u984d\u6216\u540c\u6a23\u6bd4\u4f8b\u7684\u9322\u3002\u4f8b\u5982\u54e1\u5de5\u6bcf\u6708\u85aa\u6c34$3000, \u8a08\u5283\u5b583%\u5230401K\uff08\u4e5f\u5c31\u662f$90\uff09\uff0c\u516c\u53f8\u4e5f\u5c31\u6703\u5e6b\u4f60\u5b583%\u53bbmatch\u4f60\u7684\u984d\u5ea6\u3002 \u53e6\u4e00\u500bIRA\uff0c\u53c8\u53ebIndividual Retirement Account\uff0c\u662f\u53e6\u4e00\u7a2e\u7f8e\u570b\u4eba\u7ba1\u7406\u9000\u4f11\u91d1\u7684\u5e38\u7528\u5e33\u6236\u985e\u5225\u3002\u9019\u662f\u7531\u500b\u4eba\u8ca0\u8cac\uff0c\u81ea\u9858\u53c3\u52a0\u7684\u500b\u4eba\u5132\u84c4\u990a\u8001\u4fdd\u96aa\u5236\u5ea6\u3002 \u27a4401K\u8207IRA\u53c8\u5404\u81ea\u5206\u70ba\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b \u25cf\u50b3\u7d71\u578bTraditional\uff1a\u5148\u5b58\u9322\uff0c\u5b58\u5165\u7684\u9322\u53ef\u4ee5\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (Pre-Tax)\uff0c\u672a\u4f86\u63d0\u53d6\u6642\u518d\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u53ef\u4ee5\u4eab\u6709\u5ef6\u9072\u7d0d\u7a05Tax Deferral\u7684\u597d\u8655\u3002 \u25cf\u7f85\u65af\u578bRoth\uff1a\u9700\u5148\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\u624d\u80fd\u5b58\u5165\uff0c\u5b58\u5165\u7684\u9322\u4e0d\u80fd\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (After-TAX)\uff0c\u53d6\u51fa\u6642\u7121\u9808\u518d\u4ea4\u7a05\u3002 401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u7684\u6bd4\u8f03\u3002 410K\u548cIRA\u90fd\u6709\u5404\u81ea\u7684\u7279\u9ede\u548c\u4e00\u5b9a\u7a05\u4e0a\u7684\u597d\u8655\uff0c\u4f46\u662f410K\u548cIRA\u90fd\u662f\u901a\u904e\u7279\u5b9a\u7684\u91d1\u878d\u6a5f\u69cb\u4f86\u7ba1\u7406 (401K \u7531\u96c7\u4e3b\u6311\u9078\uff0cIRA\u7531\u54e1\u5de5\u81ea\u5df1\u6311\u9078)\u3002\u6bcf\u500b\u6708\u5c07\u9322\u5b58\u5165\u9000\u4f11\u8cec\u6236\u5f8c\uff0c\u50f1\u54e1\u53ef\u81ea\u4e3b\u9078\u64c7\u6295\u8cc7\u5e02\u5834\u8207\u7522\u54c1\u7d44\u5408\uff0c\u4e26\u81ea\u884c\u627f\u64d4\u6295\u8cc7\u98a8\u96aa\u76c8\u8667\u3002\u7d93\u6fdf\u597d\u7684\u6642\u5019\u9000\u4f11\u8cec\u6236\u88e1\u7684\u56de\u5831\u8c50\u539a\uff0c\u4f46\u662f\u7d93\u6fdf\u4e0d\u597d\u5e02\u5834\u4e0b\u8dcc\u6642\u5247\u5f88\u6709\u53ef\u80fd\u640d\u5931\u6158\u91cd\u3002\u4e26\u4e14410k\u548cIRA\u8cec\u6236\u88e1\u7684\u9322\u4e26\u4e0d\u80fd\u4fdd\u8b49\u81ea\u5df1\u9000\u4f11\u4e4b\u5f8c\u53ef\u4ee5\u9818\u53d6\u4e00\u8f29\u5b50\u3002 \u5e74\u91d1 \u5982\u679c\u80fd\u6709\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\u80fd\u4fdd\u8b49\u5728\u9000\u4f11\u4e4b\u5f8c\uff0c\u7121\u8ad6\u5e02\u5834\u60c5\u6cc1\u5982\u4f55\uff0c\u6bcf\u5e74\u90fd\u53ef\u4ee5\u56fa\u5b9a\u9818\u53d6\u81f3\u5c11\u4e00\u5b9a\u91d1\u984d\u7684\u990a\u8001\u91d1\uff0c\u671f\u9650\u662f\u4e00\u8f29\u5b50\u90a3\u8a72\u591a\u597d\uff01\u5982\u679c\u5728\u81ea\u5df1\u53bb\u4e16\u4e4b\u524d\u9084\u6c92\u6709\u9818\u5b8c\u7684\u8a71\uff0c\u9084\u53ef\u4ee5\u628a\u5269\u4e0b\u7684\u9322\u50b3\u627f\u7d66\u81ea\u5df1\u7684\u5bb6\u4eba\uff0c\u8c48\u4e0d\u662f\u66f4\u597d\uff1f\u9019\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u5c31\u6d3e\u4e0a\u4e86\u7528\u5834\u3002 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