{"id":233795,"date":"2023-01-21T06:15:00","date_gmt":"2023-01-21T14:15:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=233795"},"modified":"2023-01-18T09:49:51","modified_gmt":"2023-01-18T17:49:51","slug":"%e7%91%9e%e5%85%94%e7%94%9f%e9%a2%a8%e4%be%86%e9%80%b2%e5%af%b6%ef%bc%8c%e7%90%86%e8%b2%a1%e9%8c%a6%e5%9b%8a%e5%8a%a9%e6%82%a8%e5%a4%a7%e5%b1%95%e9%b4%bb%e5%85%94","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2023\/01\/21\/%e7%91%9e%e5%85%94%e7%94%9f%e9%a2%a8%e4%be%86%e9%80%b2%e5%af%b6%ef%bc%8c%e7%90%86%e8%b2%a1%e9%8c%a6%e5%9b%8a%e5%8a%a9%e6%82%a8%e5%a4%a7%e5%b1%95%e9%b4%bb%e5%85%94\/","title":{"rendered":"\u745e\u5154\u751f\u98a8\u4f86\u9032\u5bf6\uff0c\u7406\u8ca1\u9326\u56ca\u52a9\u60a8\u5927\u5c55\u9d3b\u5154"},"content":{"rendered":"\n<p>\u745e\u5154\u751f\u98a8\u4f86\u9032\u5bf6\uff0c\u7406\u8ca1\u9326\u56ca\u52a9\u60a8\u5927\u5c55\u9d3b\u5154\uff0c\u9322\u5154\u4f3c\u9326\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u91d1\u5154\u4f86\u81e8\uff0c\u6211\u5011\u53ef\u4ee5\u501f\u9451\u300c\u72e1\u5154\u4e09\u7a9f\u300d\u7684\u601d\u8def\uff0c\u904b\u7528\u591a\u7a2e\u7406\u8d22\u65b9\u6848\u898f\u5283\u65b0\u5e74\u3002\u503c\u6b64\u65b0\u5e74\u4f73\u7bc0\u4e4b\u969b\uff0c\u7f8e\u570b\u9280\u884c\u70ba\u60a8\u5e36\u4f86\u4ee5\u4e0b\u7406\u8ca1\u8cbc\u58eb\uff0c\u795d\u60a8\u6b65\u6b65\u9ad8\u5347\uff0c\u9322\u5154\u4f3c\u9326\u3002<\/p>\n\n\n\n<p><strong>\u9326\u56ca\u4e00\uff1a\u5206\u6279\u511f\u9084\u4fe1\u7528\u5361\u50b5\u52d9\u3002<\/strong>\u4fd7\u8a71\u8aaa\u5927\u4e8b\u5316\u5c0f\u5c0f\u4e8b\u5316\u4e86\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5c07\u5361\u50b5\u5316\u5c0f\uff0c\u5206\u6279\u6b78\u9084\u3002\u5169\u7a2e\u5e38\u7528\u9084\u5361\u50b5\u7684\u65b9\u5f0f\u662f\u96ea\u7403\u6cd5\u548c\u9ad8\u5229\u7387\u6cd5\u3002\u96ea\u7403\u6cd5\u6307\u7684\u662f\u512a\u5148\u9084\u6e05\u6700\u5c0f\u5229\u7387\u7684\u5361\u50b5\uff0c\u9ad8\u5229\u7387\u6cd5\u6307\u7684\u662f\u512a\u5148\u9084\u6e05\u6700\u9ad8\u5229\u7387\u7684\u5361\u50b5\u3002\u5982\u9700\u9032\u4e00\u6b65\u77ad\u89e3\u9019\u5169\u7a2e\u65b9\u6cd5\u4e26\u5224\u65b7\u54ea\u7a2e\u65b9\u6cd5\u6700\u9069\u5408\u60a8\uff0c\u8acb\u89c0\u770b BetterMoneyHabits.com \u7684<a href=\"https:\/\/bettermoneyhabits.bankofamerica.com\/en\/debt\/strategies-for-paying-debts\">\u300c\u511f\u9084\u5361\u50b5\u7b56\u7565\u300d\u5f71\u7247<\/a>\u3002<\/p>\n\n\n\n<p><strong>\u9326\u56ca\u4e8c\uff1a\u672a\u96e8\u7da2\u7e46\u3002<\/strong>\u6211\u5011\u63a8\u85a6\u5927\u5bb6\u5099\u8db3\u53ef\u4ee5\u61c9\u4ed8\u4e09\u500b\u6708\u751f\u6d3b\u958b\u92b7\u7684\u61c9\u6025\u5b58\u6b3e\uff0c\u4ee5\u5099\u4e0d\u6642\u4e4b\u9700\u3002\u5305\u62ec\u7f8e\u570b\u9280\u884c\u5728\u5167\u7684\u591a\u5bb6\u9280\u884c\u5747\u652f\u6301\u81ea\u52d5\u5132\u84c4\u8f49\u5e33\u3002\u6bcf\u6708\u6216\u6bcf\u6b21\u767c\u85aa\u6c34\u6642\u5b58\u4e0b\u4e00\u4e9b\uff0c\u5c31\u53ef\u4ee5\u7a4d\u5c11\u6210\u591a\uff0c\u805a\u6c99\u6210\u5854\u3002\u9019\u4e9b\u61c9\u6025\u5b58\u6b3e\u91d1\u53ef\u4ee5\u96a8\u6642\u52d5\u7528\uff0c\u4e0d\u61c9\u88ab\u9396\u5728\u9700\u8981\u6536\u8cbb\u53d6\u7528\u7684\u5e33\u6236\u4e2d\u3002\u4f46\u4e5f\u4e0d\u80fd\u592a\u5bb9\u6613\u52d5\u7528\u2014\u2014\u8acb\u8003\u616e\u5b58\u5165\u7368\u7acb\u7684\u3001FDIC \u627f\u4fdd\u7684\u8a08\u606f\u5132\u84c4\u6216\u8ca8\u5e63\u5e02\u5834\u5e33\u6236\u3002<\/p>\n\n\n\n<p><strong>\u9326\u56ca\u4e09\uff1a\u8ddf\u8e64\u60a8\u7684\u652f\u51fa\u60c5\u6cc1\u3002<\/strong>\u8a18\u5e33\u4e86\u89e3\u6bcf\u6708\u7684\u8cc7\u91d1\u53bb\u5411\uff0c\u6c7a\u5b9a\u9700\u8981\u524a\u6e1b\u7684\u652f\u51fa\uff0c\u4ee5\u53ca\u662f\u5426\u9700\u8981\u524a\u6e1b\u3002\u4f7f\u7528\u9280\u884c\u7684\u624b\u6a5f\u61c9\u7528\u7a0b\u5f0f\u4ee5\u53ca\u884c\u52d5\u53ca\u7db2\u8def\u9280\u884c\uff0c\u53ef\u4ee5\u5e6b\u52a9\u60a8\u8ddf\u8e64\u8a18\u9304\u652f\u51fa\u3002<\/p>\n\n\n\n<p><strong>\u9326\u56ca\u56db\uff1a\u9032\u884c\u81ea\u6211\u6295\u8cc7\u3002<\/strong>\u9000\u4f11\u5132\u84c4\u5c31\u662f\u70ba\u672a\u4f86\u7684\u81ea\u5df1\u6295\u8cc7\u3002\u9032\u884c\u9000\u4f11\u898f\u5283\uff0c\u770b\u770b\u80fd\u5426\u6700\u5927\u9650\u5ea6\u5730\u5229\u7528\u60a8\u7684\u8cc7\u6e90\uff0c\u6bd4\u5982\u70ba 401(k) \u8a08\u756b\u6216\u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA) \u8ffd\u52a0\u4f9b\u6b3e\u3002\u9000\u4f11\u8a08\u756b\u901a\u5e38\u63d0\u4f9b\u7a05\u6536\u512a\u60e0\u3002\u60a8\u53ef\u81ea\u884c\u7814\u7a76\u5404\u7a2e\u65b9\u6848\uff0c\u6216\u806f\u7e6b\u7f8e\u570b\u9280\u884c\u548c\u7f8e\u6797 (Merrill Lynch) \u9867\u554f\u7372\u5f97\u5e6b\u52a9\u3002<\/p>\n\n\n\n<p>\u77ad\u89e3\u66f4\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u8acb\u8a2a\u554f\u7f8e\u570b\u9280\u884c\u7684\u514d\u8cbb\u7406\u8ca1\u8cc7\u8a0a\u7db2\u7ad9 BetterMoneyHabits.com\uff0c\u77ad\u89e3\u95dc\u65bc\u9810\u7b97\u7de8\u5236\u3001\u5132\u84c4\u3001\u50b5\u52d9\u7ba1\u7406\u3001\u81ea\u7f6e\u5c45\u6240\u3001\u9000\u4f11\u7b49\u4e3b\u984c\u7684\u5c08\u696d\u77e5\u8b58\u3002\u7f8e\u570b\u9280\u884c\u7684\u672c\u5730\u8ca0\u8cac\u4eba\u548c\u5fd7\u9858\u8005\u4e5f\u6703\u8aaa\u591a\u7a2e\u8a9e\u8a00\u958b\u8a2d\u793e\u5340\u8ab2\u7a0b\uff0c\u666e\u53ca\u7406\u8ca1\u77e5\u8b58\u3002<\/p>\n\n\n\n<p>\u65b0\u7684\u4e00\u5e74\uff0c\u6388\u4eba\u4ee5\u6f01\uff0c\u8b93\u5c0f\u8f29\u63a5\u53d7\u7406\u8ca1\u6559\u80b2\uff0c\u638c\u63e1\u8ca1\u52d9\u77e5\u8b58\u3001\u63d0\u9ad8\u8ca1\u5546\uff0c\u6bd4\u76f4\u63a5\u7d66\u7d05\u5305\u66f4\u6709\u610f\u7fa9\u3002<\/p>\n\n\n\n<p>\u5236\u5b9a\u4e26\u52aa\u529b\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u5c0d\u65bc\u60a8\u7684\u8ca1\u52d9\u5065\u5eb7\u81f3\u95dc\u91cd\u8981\u3002\u6b63\u78ba\u7684\u7406\u8ca1\u898f\u5283\u3001\u826f\u597d\u7684\u7406\u8ca1\u7fd2\u6163\u5c07\u52a9\u60a8\u798f\u5154\u7dbf\u5ef6\uff0c\u5e74\u5bcc\u4e00\u5e74\u3002<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"business,biz,local,money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1674281700\"\r\n\t            data-title=\"\u745e\u5154\u751f\u98a8\u4f86\u9032\u5bf6\uff0c\u7406\u8ca1\u9326\u56ca\u52a9\u60a8\u5927\u5c55\u9d3b\u5154\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u745e\u5154\u751f\u98a8\u4f86\u9032\u5bf6\uff0c\u7406\u8ca1\u9326\u56ca\u52a9\u60a8\u5927\u5c55\u9d3b\u5154\uff0c\u9322\u5154\u4f3c\u9326\u3002<\/p>\n","protected":false},"author":1,"featured_media":233796,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"audio","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_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"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":[609,13,7,18],"tags":[],"series":[],"class_list":["post-233795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-biz","category-local","category-money"],"aioseo_notices":[],"featured_image_urls":{"medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-300x199.jpg","thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-150x150.jpg","post-thumbnail-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-600x330.jpg","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-400x397.jpg","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-400x300.jpg","portrait":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-500x397.jpg","post-widget-left-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-600x350.jpg","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-450x397.jpg","post-board-2-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023-600x332.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023.jpg","episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"RbLOxEQLvS\"><a href=\"https:\/\/newsforchinese.com\/v3\/2023\/01\/21\/%e7%91%9e%e5%85%94%e7%94%9f%e9%a2%a8%e4%be%86%e9%80%b2%e5%af%b6%ef%bc%8c%e7%90%86%e8%b2%a1%e9%8c%a6%e5%9b%8a%e5%8a%a9%e6%82%a8%e5%a4%a7%e5%b1%95%e9%b4%bb%e5%85%94\/\">\u745e\u5154\u751f\u98a8\u4f86\u9032\u5bf6\uff0c\u7406\u8ca1\u9326\u56ca\u52a9\u60a8\u5927\u5c55\u9d3b\u5154<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2023\/01\/21\/%e7%91%9e%e5%85%94%e7%94%9f%e9%a2%a8%e4%be%86%e9%80%b2%e5%af%b6%ef%bc%8c%e7%90%86%e8%b2%a1%e9%8c%a6%e5%9b%8a%e5%8a%a9%e6%82%a8%e5%a4%a7%e5%b1%95%e9%b4%bb%e5%85%94\/embed\/#?secret=RbLOxEQLvS\" width=\"500\" height=\"350\" title=\"&#8220;\u745e\u5154\u751f\u98a8\u4f86\u9032\u5bf6\uff0c\u7406\u8ca1\u9326\u56ca\u52a9\u60a8\u5927\u5c55\u9d3b\u5154&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"RbLOxEQLvS\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/01\/rabbit-new-year-2023.jpg","jetpack-related-posts":[{"id":248800,"url":"https:\/\/newsforchinese.com\/v3\/2023\/11\/05\/%e7%9f%bd%e8%b0%b7%e5%b7%a5%e7%a8%8b%e5%b8%ab%e7%9a%84%e7%90%86%e8%b2%a1%e6%99%ba%e6%85%a7\/","url_meta":{"origin":233795,"position":0},"title":"\u77fd\u8c37\u5de5\u7a0b\u5e2b\u7684\u7406\u8ca1\u667a\u6167","author":"Raymond","date":"November 5, 2023","format":false,"excerpt":"\u77fd\u8c37\u662f\u5168\u7403\u79d1\u6280\u5275\u65b0\u7684\u4e2d\u5fc3\uff0c\u5438\u5f15\u4e86\u4f86\u81ea\u4e16\u754c\u5404\u5730\u7684\u512a\u79c0\u5de5\u7a0b\u5e2b\u3002\u7136\u800c\uff0c\u5118\u7ba1\u9019\u4e9b\u5de5\u7a0b\u5e2b\u6709\u9ad8\u85aa\uff0c\u4f46\u7406\u8ca1\u4f9d\u7136\u662f\u4e00\u500b\u91cd\u8981\u8ab2\u984c\u3002\u9019\u7bc7\u6587\u7ae0\u5c07\u63a2\u8a0e\u77fd\u8c37\u5de5\u7a0b\u5e2b\u5982\u4f55\u7406\u8ca1\uff0c\u4ee5\u5be6\u73fe\u8ca1\u52d9\u81ea\u7531\u548c\u9577\u671f\u6210\u529f\u3002 \u5efa\u7acb\u7dca\u5be6\u7684\u9810\u7b97 \u9996\u8981\u4efb\u52d9\u662f\u5efa\u7acb\u4e00\u500b\u660e\u78ba\u800c\u5408\u7406\u7684\u9810\u7b97\u3002\u8003\u616e\u6bcf\u6708\u7684\u6536\u5165\u548c\u652f\u51fa\uff0c\u5305\u62ec\u79df\u91d1\u3001\u98f2\u98df\u3001\u4ea4\u901a\u3001\u4fdd\u96aa\u3001\u5a1b\u6a02\u7b49\u3002\u78ba\u4fdd\u5c07\u4e00\u90e8\u5206\u6536\u5165\u7528\u65bc\u5132\u84c4\u548c\u6295\u8cc7\u3002\u9019\u80fd\u5e6b\u52a9\u60a8\u5728\u7dca\u6025\u60c5\u6cc1\u4e0b\u6709\u8db3\u5920\u7684\u8cc7\u91d1\uff0c\u540c\u6642\u4e5f\u70ba\u672a\u4f86\u7684\u76ee\u6a19\u505a\u597d\u6e96\u5099\u3002 \u6e1b\u5c11\u50b5\u52d9 \u77fd\u8c37\u7684\u9ad8\u5de5\u8cc7\u53ef\u80fd\u4f7f\u4eba\u5fd8\u8a18\u50b5\u52d9\uff0c\u4f46\u50b5\u52d9\u53ef\u4ee5\u6210\u70ba\u8ca1\u52d9\u81ea\u7531\u7684\u7d46\u8173\u77f3\u3002\u52aa\u529b\u511f\u9084\u9ad8\u5229\u7387\u7684\u50b5\u52d9\uff0c\u5982\u4fe1\u7528\u5361\u50b5\u52d9\uff0c\u4e26\u76e1\u91cf\u907f\u514d\u4e0d\u5fc5\u8981\u7684\u501f\u6b3e\u3002\u5982\u679c\u60a8\u6709\u5b78\u751f\u8cb8\u6b3e\uff0c\u5247\u53ef\u4ee5\u8003\u616e\u511f\u9084\u5b83\u5011\u6216\u63a2\u7d22\u964d\u4f4e\u5229\u7387\u7684\u9078\u64c7\u3002 \u5efa\u7acb\u7dca\u6025\u57fa\u91d1 \u7dca\u6025\u57fa\u91d1\u662f\u61c9\u5c0d\u7a81\u767c\u60c5\u6cc1\u7684\u95dc\u9375\u3002\u901a\u5e38\u5efa\u8b70\u81f3\u5c11\u5132\u84c43\u81f36\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u7528\uff0c\u4ee5\u61c9\u5c0d\u5931\u696d\u3001\u91ab\u7642\u8cbb\u7528\u6216\u5176\u4ed6\u610f\u5916\u958b\u652f\u3002\u9019\u53ef\u4ee5\u8b93\u60a8\u514d\u65bc\u4e0d\u5fc5\u8981\u7684\u8ca1\u52d9\u58d3\u529b\u3002 \u6295\u8cc7\u591a\u5143\u5316 \u5c07\u8cc7\u91d1\u6295\u8cc7\u65bc\u591a\u7a2e\u8cc7\u7522\u985e\u5225\uff0c\u4f8b\u5982\u80a1\u7968\u3001\u50b5\u5238\u3001\u623f\u5730\u7522\u548c\u5132\u84c4\u5e33\u6236\uff0c\u4ee5\u964d\u4f4e\u98a8\u96aa\u3002\u591a\u5143\u5316\u6295\u8cc7\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5be6\u73fe\u9577\u671f\u8ca1\u52d9\u76ee\u6a19\uff0c\u4e26\u5728\u5e02\u5834\u6ce2\u52d5\u6642\u4fdd\u6301\u7a69\u5b9a\u3002 \u6700\u5927\u5316\u516c\u53f8\u798f\u5229 \u8a31\u591a\u77fd\u8c37\u516c\u53f8\u63d0\u4f9b\u8c50\u5bcc\u7684\u798f\u5229\uff0c\u5305\u62ec401(k)\u8a08\u5283\u3001\u80a1\u7968\u9078\u64c7\u6b0a\u548c\u5176\u4ed6\u798f\u5229\u3002\u5229\u7528\u9019\u4e9b\u6a5f\u6703\uff0c\u7279\u5225\u662f401(k)\u8a08\u5283\uff0c\u4ee5\u7bc0\u7701\u9000\u4f11\u91d1\u3002\u516c\u53f8\u5339\u914d\u662f\u4e00\u500b\u91cd\u8981\u7684\u734e\u52f5\uff0c\u53ef\u4ee5\u8b93\u60a8\u7684\u9000\u4f11\u91d1\u66f4\u5feb\u589e\u9577\u3002 \u898f\u5283\u9000\u4f11 \u4e0d\u8981\u5ffd\u8996\u9000\u4f11\u898f\u5283\u3002\u78ba\u4fdd\u60a8\u7684\u6295\u8cc7\u7d44\u5408\u5728\u9577\u671f\u5167\u5be6\u73fe\u589e\u9577\uff0c\u4ee5\u61c9\u5c0d\u901a\u8ca8\u81a8\u8139\u548c\u751f\u6d3b\u6210\u672c\u4e0a\u5347\u3002\u8aee\u8a62\u9000\u4f11\u5c08\u5bb6\uff0c\u5236\u5b9a\u4e00\u500b\u5408\u9069\u7684\u9000\u4f11\u8a08\u5283\uff0c\u4e26\u6839\u64da\u8a08\u5283\u4e0d\u65b7\u8abf\u6574\u3002 \u5b78\u7fd2\u6295\u8cc7\u77e5\u8b58 \u4e0d\u65b7\u5b78\u7fd2\u6295\u8cc7\u77e5\u8b58\u662f\u7406\u8ca1\u6210\u529f\u7684\u4e00\u90e8\u5206\u3002\u77fd\u8c37\u5de5\u7a0b\u5e2b\u61c9\u8a72\u6295\u5165\u6642\u9593\u4f86\u4e86\u89e3\u6295\u8cc7\u3001\u98a8\u96aa\u7ba1\u7406\u548c\u91d1\u878d\u5e02\u5834\u3002\u95b1\u8b80\u91d1\u878d\u66f8\u7c4d\u3001\u53c3\u52a0\u6295\u8cc7\u8ab2\u7a0b\u548c\u7814\u7a76\u5e02\u5834\u8da8\u52e2\u53ef\u4ee5\u5e6b\u52a9\u60a8\u505a\u51fa\u660e\u667a\u7684\u6295\u8cc7\u6c7a\u7b56\u3002 \u7e3d\u4e4b\uff0c\u77fd\u8c37\u5de5\u7a0b\u5e2b\u53ef\u4ee5\u5be6\u73fe\u6210\u529f\u7684\u7406\u8ca1\uff0c\u524d\u63d0\u662f\u4ed6\u5011\u5236\u5b9a\u5408\u7406\u7684\u9810\u7b97\uff0c\u6e1b\u5c11\u50b5\u52d9\uff0c\u5efa\u7acb\u7dca\u6025\u57fa\u91d1\uff0c\u591a\u5143\u5316\u6295\u8cc7\uff0c\u6700\u5927\u5316\u516c\u53f8\u798f\u5229\uff0c\u898f\u5283\u9000\u4f11\uff0c\u4e26\u6301\u7e8c\u5b78\u7fd2\u6295\u8cc7\u77e5\u8b58\u3002\u9019\u4e9b\u6b65\u9a5f\u5c07\u5e6b\u52a9\u4ed6\u5011\u5be6\u73fe\u8ca1\u52d9\u81ea\u7531\u4e26\u5efa\u7acb\u7a69\u5065\u7684\u8ca1\u52d9\u672a\u4f86\u3002 \u6574\u7406\/\u7de8\u8f2f\u7d44","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/10\/%E7%9F%BD%E8%B0%B7%E5%B7%A5%E7%A8%8B%E5%B8%AB%E7%9A%84%E7%90%86%E8%B2%A1%E6%99%BA%E6%85%A7.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/10\/%E7%9F%BD%E8%B0%B7%E5%B7%A5%E7%A8%8B%E5%B8%AB%E7%9A%84%E7%90%86%E8%B2%A1%E6%99%BA%E6%85%A7.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/10\/%E7%9F%BD%E8%B0%B7%E5%B7%A5%E7%A8%8B%E5%B8%AB%E7%9A%84%E7%90%86%E8%B2%A1%E6%99%BA%E6%85%A7.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":224574,"url":"https:\/\/newsforchinese.com\/v3\/2022\/08\/12\/%e7%90%86%e8%b2%a1%e6%84%8f%e8%ad%98%e6%97%a5%e5%b0%b1%e5%9c%a88%e6%9c%8814%e6%97%a5\/","url_meta":{"origin":233795,"position":1},"title":"\u7406\u8ca1\u610f\u8b58\u65e5\u5c31\u57288\u670814\u65e5","author":"Raymond","date":"August 12, 2022","format":false,"excerpt":"\u7406\u8ca1\u610f\u8b58\u65e5\u5c31\u57288\u670814\u65e5\u3002\u4ee5\u4e0b\u662f\u6211\u5011\u70ba\u60a8\u4ee5\u53ca\u60a8\u7684\u5bb6\u4eba\u548c\u5b69\u5b50\u6e96\u5099\u7684\u4e00\u4e9b\u7406\u8ca1\u5c0f\u8cbc\u58eb\u3002 2022\u5e748\u670814\u65e5\u661f\u671f\u65e5\u662f\u7406\u8ca1\u610f\u8b58\u65e5\u3002\u70ba\u4e86\u5e6b\u52a9\u5927\u5bb6\u4fdd\u6301\u8ca1\u52d9\u5065\u5eb7\uff0c\u7f8e\u570b\u9280\u884c\u900f\u904e\u81ea\u5df1\u7684BetterMoneyHabits.com\u7db2\u7ad9\u70ba\u5927\u5bb6\u6e96\u5099\u4e86\u5927\u91cf\u7684\u514d\u8cbb\u5c0f\u8cbc\u58eb\u548c\u5efa\u8b70\u3002\u7121\u8ad6\u60a8\u662f\u4e00\u500b\u4eba\uff0c\u9084\u662f\u6709\u5bb6\u5ead\uff0c\u662f\u6700\u8fd1\u525b\u5f9e\u5927\u5b78\u7562\u696d\u9084\u662f\u5373\u5c07\u9000\u4f11\uff0c\u9019\u500b\u7db2\u7ad9\u90fd\u80fd\u70ba\u60a8\u63d0\u4f9b\u7b26\u5408\u60a8\u7684\u9700\u6c42\u548c\u751f\u6d3b\u65b9\u5f0f\u7684\u5c0f\u8cbc\u58eb\u3002 \u5176\u4e2d\u4e00\u4e9b\u7d55\u5999\u7684\u5c0f\u8cbc\u58eb\u5305\u62ec\uff1a \u5275\u5efa\u9810\u7b97\u3002\u8a08\u7b97\u60a8\u7684\u6536\u5165\uff0c\u8ffd\u8e64\u60a8\u7684\u652f\u51fa\uff0c\u70ba\u77ed\u671f\u9700\u6c42\u4e43\u81f3\u9577\u671f\u76ee\u7684\u8a2d\u5b9a\u5207\u5be6\u7684\u76ee\u6a19\uff0c\u96a8\u5f8c\u5236\u5b9a\u8a08\u756b\u3002\u9019\u662f\u5c0d\u6bd4\u78ba\u5b9a\u60a8\u7684\u5be6\u969b\u82b1\u8cbb\u8207\u60a8\u60f3\u8981\u9032\u884c\u7684\u82b1\u8cbb\u7684\u7d55\u4f73\u8fa6\u6cd5\u3002 \u638c\u63e1\u81ea\u5df1\u7684\u8ca1\u5bcc\u3002\u8ca1\u5bcc\u6b63\u662f\u5728\u60a8\u5275\u9020\u4e86\u5b83\u4e4b\u5f8c\u624d\u6703\u65e5\u6f38\u7a4d\u7d2f\u2014\u2014\u60a8\u61c9\u8a72\u5805\u6301\u660e\u78ba\u7684\u9810\u7b97\uff0c\u628a\u9322\u5b58\u8d77\u4f86\uff0c\u4e26\u96a8\u6642\u9593\u9032\u884c\u8cc7\u7522\u6295\u8cc7\u3002\u5982\u679c\u60a8\u624d\u525b\u958b\u59cb\u5efa\u7acb\u5132\u84c4\u8a08\u756b\uff0c\u60a8\u53ef\u4ee5\u8a08\u5283\u5c07\u60a8\u6536\u5165\u76841%\u5b58\u8d77\u4f86\u3002\u9019\u6703\u8b93\u60a8\u990a\u6210\u5f88\u597d\u7684\u7fd2\u6163\uff0c\u81ea\u7136\u800c\u7136\u5730\u7fd2\u6163\u5b58\u9322\uff0c\u4e26\u96a8\u8457\u6642\u9593\u63a8\u79fb\u589e\u52a0\u5132\u84c4\u7684\u6578\u91cf\u3002 \u4fe1\u7528\u5361\u734e\u52f5\u3002\u8003\u616e\u7533\u8acb\u4e00\u500b\u6703\u91dd\u5c0d\u6d88\u8cbb\u63d0\u4f9b\u734e\u52f5\u7684\u4fe1\u7528\u5361\u3002\u60a8\u53ef\u4ee5\u628a\u9019\u4e9b\u734e\u52f5\u7576\u4f5c\u5132\u84c4\u5de5\u5177\u3002\u6700\u91cd\u8981\u7684\u662f\u8981\u8a18\u4f4f\uff0c\u6bcf\u500b\u6708\u8981\u53ca\u6642\u9084\u6e05\u5168\u6b3e\u3002 \u57f9\u990a\u4e00\u500b\u64c1\u6709\u8ca1\u5546\u7684\u5b69\u5b50\u3002\u4f5c\u70ba\u5bb6\u9577\uff0c\u60a8\u61c9\u8a72\u8a2d\u5b9a\u754c\u9650\uff0c\u7528\u5805\u5b9a\u7684\u614b\u5ea6\u8207\u5b69\u5b50\u4ea4\u8ac7\uff0c\u8b93\u5b69\u5b50\u990a\u6210\u505a\u9810\u7b97\u548c\u9032\u884c\u5132\u84c4\u7684\u7fd2\u6163\u3002\u73fe\u5982\u4eca\uff0c\u5bb6\u9577\u5011\u70ba\u6210\u5e74\u5b69\u5b50\u6bcf\u5e74\u82b1\u8cbb5000\u5104\u7f8e\u5143\u2014\u2014\u9019\u662f\u4ed6\u5011\u6bcf\u5e74\u9000\u4f11\u4f9b\u6b3e\u91d1\u984d\u7684\u5169\u500d\u3002\u628a\u958b\u5b78\u6642\u9593\u4f5c\u70ba\u8207\u5bb6\u4eba\u958b\u5c55\u9019\u4e00\u6709\u96e3\u5ea6\u7684\u4ea4\u8ac7\u7684\u6642\u9593\u5427\uff0c\u8a0e\u8ad6\u5982\u4f55\u5728\u4e0d\u72a7\u7272\u81ea\u5df1\u7684\u5132\u84c4\u7684\u60c5\u6cc1\u4e0b\uff0c\u5efa\u7acb\u65b0\u7684\u7528\u9322\u7fd2\u6163\u3002 \u66f4\u591a\u5c0f\u8cbc\u58eb\uff0c\u8acb\u53c3\u898b\uff1awww.BetterMoneyHabits.com","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/08\/plan-saving-.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/08\/plan-saving-.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/08\/plan-saving-.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":16969,"url":"https:\/\/newsforchinese.com\/v3\/2011\/05\/25\/hsa\/","url_meta":{"origin":233795,"position":2},"title":"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?","author":"Raymond","date":"May 25, 2011","format":false,"excerpt":"\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176 \u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings Account\u5e6b\u52a9\u60a8\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u3002\u4ed6\u5011\u4e5f\u7232\u591a\u6578\u96c7\u4e3b\u5728\u63d0\u4f9b\u54e1\u5de5\u91ab\u7642\u4fdd\u969c\u65b9\u9762\u7701\u9322\u3002\u901a\u904e\u4f7f\u60a8\u6210\u7232\u91ab\u7642\u670d\u52d9\u6c7a\u7b56\u904e\u7a0b\u4e2d\u7684\u4e00\u5206\u5b50\uff0cHSA\u65e8\u5728\u5e6b\u52a9\u60a8\u7ba1\u7406\u91ab\u7642\u8cbb\u7528\u548c\u6e1b\u5c11\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6301\u7e8c\u4e0a\u63da\u3002\u540c\u6a23\u91cd\u8981\u7684\uff0c\u4fdd\u5b58\u7684\u9322\u4ecd\u7136\u5c6c\u65bc\u60a8\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5373\u4f7f\u96e2\u958b\u73fe\u5728\u7684\u96c7\u4e3b\uff0c\u60a8\u4ecd\u4fdd\u6709\u9019\u7b46\u9322\u3002\u7e3d\u4e4b\uff0c\u5982\u679cHSA\u7684\u9322\u6c92\u6709\u5168\u90e8\u7528\u4f86\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\uff0c\u90a3\u9918\u4e0b\u7684\u9322\u53ef\u4ee5\u4f5c\u7232\u514d\u7a05\u5132\u84c4\u7d2f\u7a4d\u4ee5\u5099\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u3002\u6700\u5f8c\u4e00\u500b\u597d\u8655\uff0c\u8207\u4ee5\u5f80\u653f\u5e9c\u8d0a\u52a9\u8a08\u5283\u6240\u5141\u8a31\u7684\u76f8\u6bd4\uff0cHSAs\u53ef\u4ee5\u7232\u60a8\u63d0\u4f9b\u66f4\u591a\u7684\u76ca\u8655\u3002\u5065\u5eb7\u5132\u84c4\u5e33\u6236\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5728\u7121\u6cd5\u907f\u514d\u7684\u8cbb\u7528\u4e0a\u7bc0\u7d04\uff0c\u7232\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u5efa\u8a2d\u6295\u8cc7\u6027\u7684\u5132\u84c4\u3002 \u5b83\u7232\u60a8\u5e36\u4f86\u4ec0\u9ebd\uff1f \u2022\u00a0 \u4e00\u7a2e\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u7684\u65b9\u5f0f\u3002\u4e0d\u7ba1\u65e9\u665a\uff0c\u60a8\u7e3d\u6709\u4e00\u5929\u8981\u7232\u81ea\u5df1\u7684\u91ab\u7642\u4fdd\u5065\u82b1\u9322\u3002\u4f46\u662f\uff0cHSA\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5c11\u82b1\u9322\u3002 \u00a0 \u2022 \u5c11\u7e73\u7a05\u3002HSA\u4e0d\u50c5\u8b93\u60a8\u652f\u4ed8\u7684\u91ab\u7642\u8cbb\u7528\u514d\u7a05\uff0c\u800c\u4e14\u60a8\u7684\u4f9b\u6b3e\u5e33\u6236\u6703\u8b93\u60a8\u4eab\u53d7\u4e00\u500b\u4f4e\u7a05\u7387-\u9019\u6a23\u60a8\u5c31\u53ef\u4ee5\u5728\u6574\u9ad4\u7684\u7e73\u7a05\u984d\u4e0a\u9054\u6210\u7bc0\u7701\uff0c\u800c\u4e0d\u53ea\u662f\u91ab\u7642\u8cbb\u7528\u7684\u7bc0\u7701\u3002 \u00a0 \u2022 \u4e00\u7a2e\u652f\u4ed8\u50b3\u7d71\u91ab\u7642\u4fdd\u96aa\u6c92\u6709\u8986\u84cb\u7684\u8cbb\u7528\u652f\u51fa\u7684\u65b9\u5f0f\u3002\u60a8\u53ef\u4ee5\u4f7f\u7528HSA\u514d\u7a05\u652f\u4ed8\u91dd\u7078\uff0c\u810a\u690e\u6309\u6469\uff0c\u751f\u80b2\u6cbb\u7642\uff0c\u7406\u7642\uff0c\u53ca\u773c\u775b\u8b77\u7406-\u4e0d\u4e00\u4e00\u7d30\u8209\u3002 \u00a0 \u2022 \u651c\u5e36\u4fbf\u5229\u3002\u7121\u8ad6\u60a8\u5982\u4f55\u8b8a\u63db\u5de5\u4f5c\uff0cHAS\u7e3d\u662f\u548c\u60a8\u4e00\u8d77\u3002\u60a8\u7e3d\u662f\u5c0d\u60a8\u5e33\u6236\u4e2d\u9322\u6709\u6b0a\u652f\u914d\u6bcf\u4e00\u5206\u6bcf\u4e00\u6beb\u3002 \u00a0 \u2022 \u6295\u8cc7\u6536\u5165\u4f86\u6e90\u3002 HSA\u7684\u8a2d\u8a08\u4f7f\u60a8\u53ef\u4ee5\u6839\u64da\u9700\u8981\u96a8\u6642\u63d0\u6b3e\u3002\u4f46\u662f\uff0c\u60a8\u6c92\u6709\u63d0\u51fa\u7684\u9322\u6709\u589e\u9577\u548c\u7a4d\u7d2f\u5229\u606f\u7684\u6f5b\u529b\u3002 \u00a0 \u2022 \u6539\u9032\u7684\u9000\u4f11\u5e33\u6236\u3002 HSAs\u529f\u80fd\u76f8\u4f3c\u65bc401\uff08k\uff09s\u6216IRAs\uff08\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\uff0c\u4f46\u9084\u5b58\u5728\u4e00\u500b\u91cd\u8981\u7684\u5340\u5225\u3002\u7576\u60a8\u628a\u9322\u653e\u5728\u4e00\u500b\u5178\u578b\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5b83\u53ea\u662f\u5446\u8457-\u5982\u679c\u60a8\u5728\u5230\u9054\u9000\u4f11\u5e74\u9f61\u4e4b\u524d\u63d0\u53d6\uff0c\u60a8\u6240\u9762\u81e8\u7684\u7d0d\u7a05\u7f70\u6b3e\u6703\u4f7f\u60a8\u640d\u5931\u591a\u9054\u4e09\u5206\u4e4b\u4e00\u7684\u91d1\u984d\u3002\u5728HSA\u72c0\u614b\u4e0b\uff0c\u7576\u60a8\u652f\u4ed8\u91ab\u7642\u8cbb\uff0c\u60a8\u6240\u63d0\u53d6\u7684\u652f\u4ed8\u6b3e\u514d\u7a05\u3002 HSAs\u7121\u6cd5\u53d6\u4ee3\u60a8\u76ee\u524d\u7684\u9000\u4f11\u5e33\u6236\uff0c\u4f46\u537b\u662f\u9000\u4f11\u5132\u84c4\u7684\u4e00\u500b\u91cd\u8981\u88dc\u5145\u3002 \u00a0 \u2022 \u60a8\u53e3\u888b\u88cf\u7684\u9322\u3002\u53c3\u52a0HSA\uff0c\u60a8\u5fc5\u9808\u52a0\u5165\u4e00\u500b\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\uff08 HDHP \uff09\u3002HDHP\u901a\u5e38\u5728\u6240\u6709\u5065\u5eb7\u8a08\u5283\u4e2d\u8cbb\u7528\u6700\u4f4e\u3002\u5982\u679c\u60a8\u76ee\u524d\u53c3\u52a0\u4e86HMO\u6216PPO\uff0c\u800c\u60a8\u8f49\u5230HDHP\u7684\u8a71\uff0c\u540c\u6a23\u7684\u8986\u84cb\u7bc4\u570d\u60a8\u53ef\u4ee5\u7bc0\u7701\u4e09\u5206\u4e4b\u4e00\u5230\u4e8c\u5206\u4e4b\u4e00\u7684\u6210\u672c\u3002\u53c3\u52a0\u5373\u514c\u73fe\u3002\uff08\u6709\u4e9bHMOs\u4e5f\u63d0\u4f9bHSA\u7684\u8a08\u5283\u3002 \uff09 \u00a0 HAS\u4e2d\u7684\u9322\u6839\u64da\u9700\u8981\u53ef\u4ee5\u96a8\u6642\u63d0\u53d6\u652f\u4ed8\u7b26\u5408\u689d\u4ef6\u7684\u91ab\u7642\u8cbb\u7528\uff1b\u9918\u984d\u7e7c\u7e8c\u5b58\u5132\u4ee5\u7528\u65bc\u672a\u4f86\u652f\u4ed8\uff0c\u6216\u6295\u8cc7\u65bc\u7d2f\u7a4d\u5132\u84c4\u4ee5\u7528\u65bc\u9000\u4f11\u5f8c\u91ab\u7642\u4fdd\u5065\u9700\u6c42\uff09 HAS\u5982\u4f55\u8207\u60a8\u7684\u91ab\u7642\u4fdd\u96aa\u5354\u8abf\uff1f \u4e0d\u80fd\u53d6\u4ee3\u6b63\u5e38\u7684\u6216\u5178\u578b\u7684\u91ab\u7642\u4fdd\u96aa\u3002\u5b83\u5011\u7684\u76ee\u7684\u662f\u4f5c\u7232\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u7684\u4e00\u500b\u88dc\u5145\u3002 \u00a0 \u7531\u65bcHSA\u662f\u8207\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u55ae\u6346\u5728\u4e00\u8d77\u7684\uff0c\u4f60\u5c07\u7528HAS\u514d\u7a05\u5e33\u6236\u652f\u4ed8\u60a8\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u76f4\u5230\u82b1\u8cbb\u9054\u5230\u4e86\u81ea\u4ed8\u90e8\u5206\u7684\u9650\u984d\u3002\u4e00\u65e6\u81ea\u4ed8\u90e8\u5206\u9054\u5230\u9650\u984d\uff0c\u5728\u9918\u4e0b\u7684\u4e00\u5e74\u4e2d\u91ab\u7642\u4fdd\u96aa\u652f\u4ed8\u5927\u90e8\u5206\u7684\u91ab\u7642\u8cbb\u7528\u3002\u60a8\u53ef\u4ee5\u9078\u64c7\u81ea\u5df1\u7684\u91ab\u751f\u548c\u8b77\u7406\u6c34\u5e73\u3002HSA\u672c\u8eab\u662f\u5132\u84c4\u5de5\u5177-\u4e0d\u662f\u4fdd\u96aa\u55ae-\u6240\u4ee5\u5b83\u5011\u4e0d\u6703\u9650\u5b9a\u60a8\u5982\u4f55\u82b1\u8cbb\u6216\u9078\u64c7\u7531\u8ab0\u4f86\u63d0\u4f9b\u670d\u52d9\u3002 \u00a0 HSA 2008, 2007, 2006\u898f\u5b9a\u9650\u984d \u00a0 2004 2005 2006 2007\u2026","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":129614,"url":"https:\/\/newsforchinese.com\/v3\/2016\/12\/03\/%e4%bd%a0%e4%b8%8d%e7%90%86%e8%b2%a1%ef%bc%81%e8%b2%a1%e4%b8%8d%e7%90%86%e4%bd%a0%ef%bc%81\/","url_meta":{"origin":233795,"position":3},"title":"\u4f60\u4e0d\u7406\u8ca1\uff01\u8ca1\u4e0d\u7406\u4f60\uff01","author":"Raymond","date":"December 3, 2016","format":false,"excerpt":"\u8f49\u773c\u4e4b\u9593\uff0c2016\u5e74\u5df2\u9032\u5165\u5e74\u5e95\u4e86\uff0c\u773c\u770b\u653f\u5e9c\u4ecd\u7dad\u6301\u4f4e\u5229\u7387\u653f\u7b56\uff0c\u4ee5\u9f13\u52f5\u500b\u4eba\uff0c\u5bb6\u5ead\uff0c\u5546\u696d\u7684\u6d88\u8cbb\u548c\u8cfc\u7f6e\u3002\u5f9e\u800c\u671f\u671b\u5c0d\u5168\u570b\u7d93\u6fdf\u6d3b\u52d5\u6709\u6240\u6539\u9032\u3002\u6b63\u56e0\u70ba\u904e\u53bb\u5e7e\u5e74\u4f86\u5be6\u884c\u8d85\u4f4e\u7684\u5229\u7387\uff0c\u4ee4\u5f88\u591a\u6295\u8cc7\u8005\u5728\u9280\u884c\u7684\u5b9a\u671f\u5e33\u6236\u6216\u9000\u4f11\u5e33\u6236\u53ea\u80fd\u7372\u5f97\u5fae\u4e0d\u8db3\u9053\u7684\u5229\u7387\u56de\u5831\u3002 \u7531\u65bc\u83ef\u4eba\u5c0d\u9280\u884c\u7684\u89c0\u611f\u662f\u7a69\u7576\u7684\uff0c\u6240\u4ee5\u6bd4\u8f03\u4fdd\u5b88\u800c\u671f\u671b\u6709\u56fa\u5b9a\u5165\u606f\u7684\u4eba\u58eb\uff0c\u90fd\u81ea\u7136\u5730\u8d70\u9032\u9280\u884c\uff0c\u9032\u884c\u77ed\u671f\u6216\u9577\u671f\u7684\u5132\u84c4\u6216\u6295\u8cc7\u8a08\u5283\u3002\u4f46\u73fe\u5728\u958b\u59cb\u5f88\u591a\u4eba\u58eb\u5305\u62ec\u9577\u8005\uff0c\u6e96\u5099\u9000\u4f11\u6216\u5df2\u9000\u4f11\u7684\u4eba\u58eb\uff0c\u5df2\u958b\u59cb\u64d4\u5fc3\u548c\u6182\u616e\u9019\u6a23\u8d85\u4f4e\u7684\u5229\u7387\uff0c\u5982\u4f55\u80fd\u5c0d\u4ed8\u7269\u50f9\u81a8\u8139\u7684\u73fe\u5be6\uff0c\u7279\u5225\u662f\u9000\u4f11\u4eba\u58eb\uff0c\u671b\u8457\u7a4d\u5b58\u591a\u5e74\u7684\u9000\u4f11\u6216\u6295\u8cc7\u6236\u53e3\u4e0d\u65b7\u7e2e\u6c34\uff0c\u5c31\u6050\u6015\u9019\u8001\u672c\u80fd\u5426\u61c9\u4ed8\u672a\u4f86\u751f\u6d3b\uff0c\u91ab\u7642\u548c\u5176\u4ed6\u751f\u6d3b\u5fc5\u9700\u652f\u51fa\u3002 \u5c0d\u65bc\u666e\u7f85\u5927\u773e\u7684\u6295\u8cc7\u8005\uff0c\u5f88\u591a\u6642\u5019\uff0c\u597d\u50cf\u6c92\u6709\u5176\u4ed6\u7684\u9078\u64c7\uff0c\u552f\u6709\u9078\u64c7\u8d70\u5165\u4e00\u822c\u4eba\u90fd\u8a8d\u70ba\u6700\u7a69\u5065\u7684\u9280\u884c\u3002\u66f4\u751a\u6709\u4e9b\u6642\u5019\uff0c\u9023\u4e00\u9ede\u601d\u8003\u4e5f\u6c92\u6709\uff0c\u5c31\u5c07\u81ea\u5df1\u591a\u5e74\u7684\u7a4d\u84c4\uff0c\u5305\u62ec\u9000\u4f11\u5e33\u6236\uff0c\u6295\u8cc7\u5e33\u6236\uff0c\u90fd\u4e00\u4f75\u653e\u9032\u9280\u884c\uff0c\u751a\u81f3\u9023\u4f4e\u5229\u7387\u7684\u56de\u5831\u4e5f\u4e0d\u8a08\u8f03\u3002\u5766\u767d\u8aaa\uff1a\u6295\u8cc7\u96d6\u7136\u8981\u4fdd\u672c\uff0c\u4f46\u8d77\u78bc\u6295\u8cc7\u5132\u84c4\u7684\u56de\u5831\uff0c\u80fd\u61c9\u4ed8\u8d77\u901a\u8ca8\u81a8\u8139\u7684\u5347\u5e45\u3002\u73fe\u6642\u7684\u901a\u6f32\u7387\u5e73\u57471.50%\u3002\u6211\u5011\u4ed4\u7d30\u60f3\u4e00\u4e0b\u3002\u4f60\u5b58\u653e\u5728\u9280\u884c\u7684\uff23\uff24\u5b9a\u671f\u5b58\u6b3e\uff0c\u9000\u4f11\u6236\u53e3\uff0c\u6709\u53ef\u80fd\u5229\u7387\u8d85\u4f4e\u81f31%\u4e5f\u6c92\u6709\u3002\u8a66\u554f\u4f60\u5982\u4f55\u7dad\u6301\u672a\u4f86\u751f\u6d3b\u652f\u51fa\u7684\u8cbb\u7528\u5462\uff1f\u6240\u4ee5\u6709\u4e00\u4f4d\u7d93\u6fdf\u5c08\u5bb6\u5f62\u5bb9\uff1a\u300e\u4f60\u7684\u9280\u884c\u6236\u53e3\u5305\u62ec\u9000\u4f11\u6216\u6295\u8cc7\u5e33\u6236\uff0c\u6b63\u4e0d\u65b7\u6162\u6162\u5730\u51fa\u8840\u76f4\u81f3\u6d88\u5931\uff08\u6b7b\u4ea1\uff09\u70ba\u6b62\u3002\u300f \u6295\u8cc7\u8005\u82e5\u8981\u81ea\u5df1\u7684\u6295\u8cc7\u9000\u4f11\u5e33\u6236\uff08\u8001\u672c\uff09\u6709\u9069\u7576\u7684\u56de\u5831\uff0c\u5c31\u8981\u8a8d\u771f\u5b78\u7fd2\u4e00\u4e0b\u300e\uff17\uff12\u7684\u5b9a\u5f8b\u300fRule of 72\uff0c\u9019\u662f\u8907\u5229\u56de\u5831\u7684\u8a08\u7b97\u65b9\u6cd5\u3002\u8209\u4e00\u500b\u4f8b\u5b50\uff1a\u67d0\u6295\u8cc7\u8005\u7684\u6295\u8cc7\u6236\u53e3\uff0c\u53ea\u6709\uff15\uff05\u56de\u5831\uff0c\u6236\u53e3\u91d1\u984d\uff04\uff15\uff10\uff0c\uff10\uff10\uff10\uff0c\u4ed6\u9700\u8981\u81f3\u5c11\uff11\uff14\u5e74\u7684\u6642\u9593\uff0c\u4ed6\u7684\u6295\u8cc7\u6236\u53e3\u624d\u80fd\u6709\u96d9\u500d\u7684\u589e\u9577\u81f3\uff04\uff11\uff10\uff10\uff0c\uff10\uff10\uff10\u3002\u6295\u8cc7\u8005\u82e5\u4e0d\u597d\u597d\u7406\u8ca1\uff0c\u8ca1\u4ea6\u4e0d\u6703\u7406\u4f60\uff0c\u81ea\u5df1\u9000\u4f11\u6216\u6295\u8d44\u8001\u672c\u6703\u6162\u6162\u5730\u7e2e\u6c34\u3002 \u5176\u5be6\uff0c\u5728\u7f8e\u570b\u7684\u6295\u8cc7\u5e02\u5834\u88e1\uff0c\u5145\u6eff\u4e0d\u540c\u985e\u5f62\u7684\u6295\u8cc7\u7523\u54c1\u548c\u7b56\u7565\uff0c\u5e6b\u52a9\u6295\u8cc7\u8005\u5206\u6563\u6295\u8cc7\uff0c\u6295\u8cc7\u8005\u4ea6\u61c9\u591a\u8003\u616e\u5176\u4ed6\u7684\u6295\u8cc7\u7b56\u7565\uff0c\u4ee5\u5e6b\u52a9\u4f60\u7684\u6295\u8cc7\u548c\u9000\u4f11\u8001\u672c\u6709\u5be6\u8cea\u7684\u56de\u5831\uff0c\u6295\u8cc7\u6709\u50b3\u7d71\u80a1\u7968\u57fa\u91d1\u7ba1\u7406\u6295\u8cc7\u8a08\u5283\uff0c\u4ea6\u6709\u53e6\u985e\u6295\u8cc7\u7b56\u7565\uff0c\u63d0\u4f9b\u6295\u8cc7\u8005\u6bcf\u6708\u56fa\u5b9a\u6536\u5165\uff0c\u672c\u91d1\u589e\u503c\u7684\u6295\u8cc7\u8a08\u5283\u3002 \u5bcc\u90a6\u6295\u8d44RIA\u8a3b\u518a\u6295\u8cc7\u9867\u554fAlfred Chan\u9673\u5148\u751f\uff0c\u64c1\u6709\u5341\u591a\u5e74\u6295\u8cc7\u7406\u8ca1\u7684\u5c08\u696d\u7d93\u9a57\uff0c\u6703\u6089\u5fc3\u8f14\u52a9\u6295\u8cc7\u8005\uff0c\u6309\u6295\u8cc7\u8005\u4e0d\u540c\u80cc\u5883\uff0c\u6295\u8cc7\u7d93\u9a57\u548c\u500b\u5225\u671f\u671b\uff0c\u70ba\u5ba2\u6236\u5ea6\u8eab\u5b9a\u9020\u7684\u6295\u8cc7\u898f\u5283\u3002\u6b61\u8fce\u81f4\u96fb\u5bcc\u90a6\u6295\u8d44Alfred Chan\u9673\u5148\u751f\uff1a\uff18\uff18\uff18\u2014\uff19\uff19\uff11\uff0d\uff13\uff18\uff13\uff13\u3002\u5bcc\u90a6\u6295\u8cc7\u5728\u7063\u5340\u6709\u4e09\u500b\u8fa6\u4e8b\u8655\uff0c\u5206\u4f48Burlingame\uff08\u7e3d\u516c\u53f8\uff09\uff0c\u4e09\u85e9\u5e02\u548c\u5c4b\u5d19\u7b49\u57ce\u5e02\u3002\u5229\u4fbf\u6295\u8cc7\u8005\u5b89\u6392\u7d04\u8ac7\u3002","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/02\/pr-tips-for-a-startup-business.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/02\/pr-tips-for-a-startup-business.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/02\/pr-tips-for-a-startup-business.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":165205,"url":"https:\/\/newsforchinese.com\/v3\/2018\/12\/18\/%e6%96%b0%e5%b9%b4%e6%9c%89%e7%90%86%e8%b2%a1%e4%bf%9d%e9%9a%aa%e8%a8%88%e7%95%ab%e4%ba%86%e5%97%8e%ef%bc%9f\/","url_meta":{"origin":233795,"position":4},"title":"\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f","author":"Raymond","date":"December 18, 2018","format":false,"excerpt":"\u65b0\u5e74\u5feb\u4f86\u4e86\uff0c\u5f88\u591a\u5bb6\u5ead\u6b64\u6642\u90fd\u6703\u589e\u52a0\u4e00\u7b46\u9592\u7f6e\u8cc7\u91d1\uff0c\u6b64\u6642\u53ef\u4ee5\u8003\u616e\u5c0d\u500b\u4eba\u6216\u5bb6\u5ead\u9032\u884c\u7406\u8ca1\u4fdd\u96aa\u898f\u5283\uff0c\u4e26\u70ba\u5bb6\u4eba\u9069\u7576\u589e\u6dfb\u4e00\u4e9b\u4fdd\u96aa\uff0c\u5c31\u986f\u5f97\u5c24\u70ba\u5fc5\u8981\u548c\u53ef\u884c\u3002\u6211\u5011\u9700\u8981\u4ec0\u9ebd\u6a23\u7684\u7406\u8ca1\u4fdd\u96aa\u8a08\u5283\u5462\uff1f \u00a0 \u4e00\u3001\u514d\u7a05\u9000\u4f11\u8a08\u756b \u5982\u679c\u60a8\u5728\u9000\u4f11\u4ee5\u5f8c\uff0c\u80fd\u5920\u6709\u6e90\u6e90\u4e0d\u65b7\u7684\u9000\u4f11\u6536\u5165\uff0c\u76f4\u5230\u767e\u5e74\u4ee5\u5f8c\uff0c\u76f8\u4fe1\u9019\u662f\u8a31\u591a\u9000\u4f11\u4eba\u58eb\u7684\u5922\u60f3\u3002\u60f3\u8981\u7372\u5f97\u4ee4\u4eba\u6eff\u610f\u7684\u9000\u4f11\u751f\u6d3b\u54c1\u8cea\uff0c\u5c31\u8981\u8d81\u5e74\u8f15\u3001\u6700\u6709\u8cfa\u9322\u80fd\u529b\u7684\u6642\u5019\u5be9\u614e\u7cbe\u7b97\uff0c\u6311\u9078\u9069\u7576\u7684\u7406\u8ca1\u5de5\u5177\uff0c\u4e26\u900f\u904e\u5b9a\u671f\u5b9a\u984d\u5132\u84c4\u7684\u65b9\u5f0f\uff0c\u5584\u7528\u6642\u9593\u8907\u5229\u7684\u6548\u679c\u8f15\u9b06\u5730\u7d2f\u7a4d\u51fa\u9000\u4f11\u300c\u8001\u672c\u300d\uff0c\u624d\u80fd\u8b93\u81ea\u5df1\u9000\u4f11\u5f8c\u60a0\u54c9\u751f\u6d3b\u3001\u5c0a\u56b4\u7121\u9650\u3002 \u00a0 \u4e8c\u3001\u9000\u4f11\u5e74\u91d1\u8a08\u756b \u5efa\u8b70\u60a8\u628a\u9000\u4f11\u5e74\u91d1\u4f5c\u70ba\u60a8\u9000\u4f11\u7406\u8ca1\u898f\u5283\u7684\u4e00\u90e8\u5206\uff0c\u60a8\u4e0d\u9700\u8981\u628a\u6240\u6709\u7684\u8cc7\u7522\u90fd\u8b8a\u6210\u7d42\u751f\u6536\u5165\u5e74\u91d1\uff0c\u800c\u662f\u6709\u8a08\u5283\u5730\u5c07\u4e00\u90e8\u5206\u9322\u5206\u914d\u5230\u5e74\u91d1\u4f86\u3002\u53ea\u6709\u5728\u7d42\u751f\u6536\u5165\u5e74\u91d1\u80fd\u8b93\u60a8\u5728\u6709\u751f\u4e4b\u5e74\u6bcf\u5e74\/\u6bcf\u6708\u90fd\u80fd\u7372\u5f97\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u6e90\uff0c\u7121\u8ad6\u60a8\u662f\u4e5d\u65ec\u9ad8\u9f61\u6216\u662f\u767e\u6b72\u4eba\u745e\uff0c\u6bcf\u5e74\/\u6bcf\u6708\u9000\u4f11\u6536\u5165\u90fd\u6703\u6e96\u6642\u5b58\u5165\u60a8\u7684\u9280\u884c\u6236\u982d\u6216\u662f\u5bc4\u5230\u5e9c\u4e0a\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684\u96c7\u54e1\u9000\u4f11\u5e33\u6236\uff08401K\uff09\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u4e0d\u727d\u6d89\u63d0\u524d\u9818\u53d6\u7684\u554f\u984c\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\uff0c\u66f4\u4e0d\u6703\u6709\u7f70\u6b3e \u00a0 \u4e09\u3001\u7c4c\u5099\u5b50\u5973\u6559\u80b2\u91d1 \u8d8a\u4f86\u8d8a\u591a\u7684\u5bb6\u9577\u958b\u59cb\u5229\u7528\u4fdd\u96aa\u7d66\u5b69\u5b50\u5236\u5b9a\u4e00\u500b\u5468\u5168\u7684\u4fdd\u969c\u3001\u6559\u80b2\u3001\u5132\u84c4\u8a08\u756b\u3002\u5982\u679c\u5bb6\u5ead\u6536\u5165\u6c34\u6e96\u90fd\u4e0d\u9ad8\uff0c\u627f\u64d4\u5b50\u5973\u5927\u5b78\u6559\u80b2\u8cbb\u7528\u5c07\u662f\u5f88\u56f0\u96e3\u7684\uff0c\u7236\u6bcd\u61c9\u8d81\u65e9\u7c4c\u63aa\u5b50\u5973\u6559\u80b2\u57fa\u91d1\u3002\u7236\u6bcd\u8981\u505a\u7684\u5c31\u662f\u4ee5\u6642\u9593\u63db\u53d6\u6295\u8cc7\u7a7a\u9593\uff0c\u5145\u5206\u5229\u7528\u6642\u9593\u8907\u5229\u7684\u6548\u679c\u8b93 \u300c\u9322\u751f\u9322\u300d\u3002 \u56db\u3001\u8003\u616e\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa \u5404\u985e\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\u9700\u8981\u89e3\u6c7a\u4eba\u751f\u4e09\u5927\u5c37\u5c2c\u4e8b\uff1a1\u3001\u8d70\u65e9\u4e86\uff0c\u5bb6\u4eba\u6c92\u9322\uff1b2\u3001\u8d70\u665a\u4e86\uff0c\u81ea\u5df1\u6c92\u9322\uff1b3\u3001\u4f4f\u9662\u4e86\uff0c\u56db\u8655\u501f\u9322\u3002 \u4e0d\u8ad6\u7537\u5973\u8001\u5e7c\u90fd\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\uff0c\u5047\u5982\u4f60\u5728\u5e74\u8f15\u6642\u64e0\u51fa\u4e00\u90e8\u5206\u91d1\u9322\u8cfc\u8cb7\u9069\u7576\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u90a3\u5c31\u6703 \"\u7a2e\u4e0b\u4e00\u68f5\u5c0f\u6a39\uff0c\u6536\u7a6b\u4e00\u7247\u852d\u6dbc\"\u3002 \u00a0 \u672c\u6587\u4f86\u81ea\uff1a\u7db2\u7d61","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/%E6%96%B0%E5%B9%B4%E6%9C%89%E7%90%86%E8%B4%A2%E4%BF%9D%E9%99%A9%E8%AE%A1%E5%88%92%E4%BA%86%E5%97%8E%EF%BC%9F.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/%E6%96%B0%E5%B9%B4%E6%9C%89%E7%90%86%E8%B4%A2%E4%BF%9D%E9%99%A9%E8%AE%A1%E5%88%92%E4%BA%86%E5%97%8E%EF%BC%9F.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/%E6%96%B0%E5%B9%B4%E6%9C%89%E7%90%86%E8%B4%A2%E4%BF%9D%E9%99%A9%E8%AE%A1%E5%88%92%E4%BA%86%E5%97%8E%EF%BC%9F.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":840,"url":"https:\/\/newsforchinese.com\/v3\/2010\/08\/06\/%e5%a4%a7%e9%83%bd%e6%9c%83%e7%82%ba%e8%a6%8f%e5%8a%83%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb%e6%8f%90%e5%87%ba%e5%bb%ba%e8%ad%b0\/","url_meta":{"origin":233795,"position":5},"title":"\u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u63d0\u51fa\u5efa\u8b70","author":"Raymond","date":"August 6, 2010","format":false,"excerpt":"04-06-2010 \u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u53ca\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u4f9b\u5efa\u8b70 -\u9069\u7576\u7684\u898f\u5283\u6709\u52a9\u65bc\u5efa\u7acb\u60a8\u7684\u8ca1\u52d9\u81ea\u7531 - 2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u662f\u5927\u90fd\u6703\u63d0\u4f9b\u7d66\u5ba2\u6236\u7684\u773e\u591a\u9078\u64c7\u4e4b\u4e00\uff0c\u53ef\u4ee5\u5354\u52a9\u5ba2\u6236\u898f\u5283\u9000\u4f11\u751f\u6d3b\u4e26\u5efa\u7acb\u500b\u4eba\u5b89\u5168\u7db2\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7d66\u6d88\u8cbb\u8005\u53c3\u8003\u7684\u5404\u7a2e\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6458\u8981\u8aaa\u660e\uff1a \u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Traditonal IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover IRA\uff09\u5141\u8a31\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u8f49\u63db\u5de5\u4f5c\u6216\u9000\u4f11\u6642\u5c07\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8a08\u5283\u8f49\u79fb\u5230\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u3002\u9019\u6a23\u505a\u4ee4\u4fdd\u55ae\u6301\u6709\u4eba\u5f97\u4ee5\u7e7c\u7e8c\u4eab\u53d7\u9000\u4f11\u8cc7\u91d1\u7de9\u7a05\u7684\u597d\u8655\uff0c\u76f4\u5230\u5fc5\u9808\u63d0\u9818\u6642\u70ba\u6b62\u3002\u91cd\u8981\u7684\u662f\u5728\u8f49\u79fb\u8cc7\u91d1\u6642\uff0c\u52d9\u5fc5\u9075\u7167\u8f49\u79fb\u8cc7\u91d1\u7684\u6709\u95dc\u898f\u5b9a\u624d\u80fd\u4fdd\u969c\u7de9\u7a05\u548c\u5176\u4ed6\u597d\u8655\u3002 \u5ef6\u4f38\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Stretch IRA\uff09\u662f\u5728\u6301\u6709\u4eba\u4e0d\u518d\u9700\u8981\u8cc7\u91d1\u4f86\u6eff\u8db3\u9000\u4f11\u751f\u6d3b\u7684\u9700\u6c42\u6642\uff0c\u5c07\u66f4\u591a\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u8f49\u8b93\u7d66\u5fc3\u611b\u7684\u4eba\u7684\u65b9\u6cd5\u3002\u5982\u679c\u5e33\u6236\u6301\u6709\u4eba\u7d42\u5176\u4e00\u751f\u53ea\u63d0\u9818\u898f\u5b9a\u7684\u6700\u4f4e\u6536\u76ca\uff0c\u8a72\u5e33\u6236\u4e4b\u6536\u76ca\u5c31\u6709\u53ef\u80fd\u5728\u6301\u6709\u4eba\u81e8\u7d42\u6642\u6210\u9577\u5230\u5176\u4e00\u751f\u4e2d\u7684\u6700\u9ad8\u9ede\uff0c\u56e0\u6b64\u6709\u6a5f\u6703\u7559\u7d66\u53d7\u76ca\u4eba\u4e00\u7b46\u7de9\u7a05\u7684\u907a\u7522\u3002 \u6559\u80b2\u9000\u4f11\u5e33\u6236\uff08Education IRA\uff09\u6216\u7a31 Coverdell\u6559\u80b2\u5132\u84c4\u5e33\u6236\uff08Coverdell Education Savings Account\uff09\u53ef\u4ee5\u4f7f\u7528\u7e73\u7a05\u5f8c\u7684\u9918\u6b3e\u70ba\u4e0d\u6eff\u5341\u516b\u6b72\u6216\u6709\u7279\u6b8a\u9700\u8981\u7684\u53d7\u76ca\u4eba\u958b\u8a2d\u5132\u84c4\u5e33\u6236\uff0c\u4f46\u662f\u5b58\u6b3e\u91d1\u984d\u5fc5\u9808\u7b26\u5408\u67d0\u4e9b\u6536\u5165\u9650\u5236\u3002\u9019\u7a2e\u5e33\u6236\u7684\u6536\u76ca\uff08\u4f8b\u5982\u5229\u606f\u3001\u80a1\u5229\u3001\u51fa\u552e\u80a1\u7968\u6240\u5f97\u7b49\uff09\u4e0d\u9700\u7e73\u7d0d\u73fe\u884c\u806f\u90a6\u6240\u5f97\u7a05\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7576\u6536\u76ca\u91d1\u984d\u672a\u8d85\u904e\u53d7\u76ca\u4eba\u7576\u5e74\u7d93\u8abf\u6574\u4e26\u5408\u4e4e\u898f\u5b9a\u7684\u6559\u80b2\u8cbb\u7528\u6642\uff08\u4f8b\u5982\u5c0f\u5b78\u3001\u4e2d\u5b78\u3001\u53ca\u5927\u5b78\u7684\u8cbb\u7528\uff0c\u5982\u5b78\u8cbb\u3001\u96dc\u8cbb\u3001\u66f8\u7c4d\u8cbb\u6216\u81b3\u5bbf\u8cbb\uff09\uff0c\u4e5f\u4e0d\u5fc5\u7e73\u7d0d\u806f\u90a6\u6240\u5f97\u7a05\u3002\u7576\u6536\u76ca\u6c92\u6709\u7528\u4f86\u652f\u4ed8\u5408\u4e4e\u898f\u5b9a\u4e4b\u6559\u80b2\u8cbb\u7528\u6642\uff0c\u7372\u5229\u90e8\u4efd\u901a\u5e38\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u540c\u6642\u7372\u5229\u90e8\u4efd\u9084\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 \u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283 \uff08IRA-Based Retirement Plans\uff09\u3002\u9664\u4e86\u500b\u4eba\u81ea\u884c\u8a2d\u7acb\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5916\uff0c\u67d0\u4e9b\u96c7\u4e3b\u6703\u70ba\u54e1\u5de5\u8a2d\u7acb\u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283\uff08\u4f8b\u5982SIMPLE\u53caSEP\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\u3002\u96c7\u4e3b\u5b58\u5165\u9019\u4e9b\u8a08\u5283\u7684\u6b3e\u9805\u6703\u9032\u4e00\u6b65\u5145\u5be6\u60a8\u7684\u9000\u4f11\u5132\u84c4\u3002 \u5982\u679c\u60a8\u60f3\u9032\u4e00\u6b65\u4e86\u89e3\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5982\u4f55\u5354\u52a9\u60a8\u5efa\u7acb\u5b89\u7a69\u7684\u8ca1\u52d9\u672a\u4f86\uff0c\u6216\u662f\u8981\u5c0b\u627e\u60a8\u7576\u5730\u7684\u5927\u90fd\u6703\u4ee3\u8868\uff0c\u8acb\u4f86\u96fb1-888-233-3138\u6216\u767b\u5165www.metlife.com\u3002 ## MetLife\u7c21\u4ecb MetLife, Inc.\u662f\u5728\u5168\u7f8e\u5404\u5730\u3001\u62c9\u4e01\u7f8e\u6d32\u3001\u6b50\u6d32\u8207\u4e9e\u592a\u5730\u5340\u71df\u904b\uff0c\u5728\u63d0\u4f9b\u5e74\u91d1\u3001\u54e1\u5de5\u798f\u5229\u3001\u4fdd\u96aa\u8207\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u5c45\u9818\u5c0e\u5730\u4f4d\u7684\u516c\u53f8\u3002MetLife, Inc.\u900f\u904e\u5176\u5b50\u516c\u53f8\u8207\u95dc\u4fc2\u4f01\u696d\uff0c\u70ba\u5168\u4e16\u754c\u4e03\u5343\u9918\u842c\u540d\u9867\u5ba2\u63d0\u4f9b\u670d\u52d9\uff0cMetLife\u540c\u6642\u4e5f\u662f\u7f8e\u570b\u6700\u5927\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08\u6839\u64da\u76ee\u524d\u6709\u6548\u7684\u58fd\u96aa\u4fdd\u55ae\u8a08\u7b97\uff09\u3002MetLife\u516c\u53f8\u70ba\u500b\u4eba\u63d0\u4f9b\u4eba\u58fd\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u6c7d\u8eca\u8207\u623f\u5c4b\u4fdd\u96aa\u3001\u9280\u884c\u96f6\u552e\u670d\u52d9\u53ca\u5176\u4ed6\u7406\u8ca1\u670d\u52d9\uff0c\u4e5f\u70ba\u4f01\u696d\u53ca\u5176\u4ed6\u6a5f\u69cb\u63d0\u4f9b\u5718\u9ad4\u4fdd\u96aa\u3001\u9000\u4f11\u8207\u5132\u84c4\u7522\u54c1\u53ca\u670d\u52d9\u3002\u6b32\u77e5\u9032\u4e00\u6b65\u8a73\u60c5\uff0c\u8acb\u767b\u5165www.metlife.com\u3002 \u5927\u90fd\u6703\u6839\u64da\u570b\u7a05\u5c40Circular 230\u63d0\u4f9b\u60a8\u4ee5\u4e0b\u6ce8\u610f\u4e8b\u9805\uff1a\u672c\u6587\u6240\u542b\u4e4b\u4efb\u4f55\u5167\u5bb9\u90fd\u4e0d\u61c9\uff08\u4e5f\u4e0d\u53ef\uff09\u88ab\u4efb\u4f55\u4eba\u4f5c\u70ba\u9003\u907f\u570b\u7a05\u5c40\u8655\u7f70\u4e4b\u7528\u3002\u672c\u6587\u4e4b\u76ee\u7684\u5728\u63a8\u5ee3\u53ca\u884c\u92b7\u4fdd\u96aa\u7522\u54c1\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u72c0\u6cc1\u5fb5\u8a62\u7368\u7acb\u7a05\u52d9\u9867\u554f\u7684\u5efa\u8b70\u3002 \u5927\u90fd\u6703\u4eba\u58fd\u53ca\u5176\u4ee3\u7406\u53ca\u4ee3\u8868\u5747\u4e0d\u5f97\u63d0\u4f9b\u6cd5\u5f8b\u6216\u7a05\u52d9\u5efa\u8b70\u3002\u672c\u6587\u6240\u8f09\u6216\u4efb\u4f55\u8207\u672c\u6587\u6709\u95dc\u4e4b\u7a05\u52d9\u8a0e\u8ad6\u5747\u53ea\u662f\u70ba\u4e86\u63d0\u4f9b\u4e00\u822c\u8a0a\u606f\uff0c\u4e0d\u61c9\u88ab\u8996\u70ba\u5b8c\u6574\u4e5f\u4e0d\u6db5\u84cb\u6240\u6709\u72c0\u6cc1\u3002\u7a05\u6cd5\u4ee5\u89e3\u8b80\u8207\u7acb\u6cd5\u8b8a\u66f4\u70ba\u6e96\u3002\u7d0d\u7a05\u91d1\u984d\u53ca\u4efb\u4f55\u7522\u54c1\u5c0d\u4efb\u4f55\u7279\u5b9a\u7d0d\u7a05\u4eba\u4e4b\u5408\u9069\u8207\u5426\u4f9d\u4e8b\u5be6\u8207\u72c0\u6cc1\u800c\u5b9a\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u4e8b\u5be6\u8207\u72c0\u6cc1\u5fb5\u8a62\u4e26\u4fe1\u8cf4\u60a8\u81ea\u5df1\u7684\u7368\u7acb\u6cd5\u5f8b\u53ca\u7a05\u52d9\u9867\u554f\u3002 Metropolitan Life Insurance Company (MLIC),\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sf.chinesebay.com\/laozhong\/wp-content\/uploads\/2010\/08\/image10-300x57.png?resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/233795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/comments?post=233795"}],"version-history":[{"count":2,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/233795\/revisions"}],"predecessor-version":[{"id":233798,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/233795\/revisions\/233798"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/233796"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=233795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=233795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=233795"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=233795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}