{"id":7591,"date":"2015-12-28T17:17:50","date_gmt":"2015-12-28T09:17:50","guid":{"rendered":"http:\/\/tokuhon.blog\/?p=7591"},"modified":"2018-02-04T14:35:33","modified_gmt":"2018-02-04T06:35:33","slug":"7591","status":"publish","type":"post","link":"https:\/\/tokuhon.blog\/?p=7591","title":{"rendered":"\u4fdd\u96aa\u7b56\u5283\uff1a\u5438\u7159\u8005\u8981\u591a\u4ed8\u591a\u5c11\u4fdd\u8cbb\uff1f\u2502\u7c73\u7f85"},"content":{"rendered":"

\"\u6212\u7159\"<\/p>\n

\u6709\u4e9b\u4eba\u6703\u8a08\u7b97\uff0c\u4e00\u751f\u4eba\u5438\u7159\u6703\u82b1\u591a\u5c11\u9322\uff0c\u53c8\u6709\u4e9b\u4eba\u6703\u8a08\u7b97\uff0c\u9019\u4e9b\u9322\u7528\u4f86\u6295\u8cc7\u6703\u6709\u591a\u5927\u6a5f\u6703\u6210\u672c(opportunity cost)\uff0c\u4eca\u6b21\u6211\u5011\u8a08\u7b97\u7684\u662f\uff1a\u5438\u7159\u6703\u4ee4\u4eba\u591a\u4ed8\u591a\u5c11\u4fdd\u8cbb\uff1f<\/p>\n

\u4fdd\u96aa\u8cbb\u7684\u8a08\u7b97\u539f\u7406\uff0c\u662f\u6839\u64da\u7b26\u5408\u67d0\u7b49\u5b9a\u5e74\u9f61\u548c\u5065\u5eb7\u689d\u4ef6\u7684\u4eba\uff0c\u53bb\u8a08\u7b97\u751f\u75c5\u6216\u6b7b\u4ea1\u7684\u6a5f\u6703\u7387\uff0c\u800c\u8a08\u7b97\u4fdd\u96aa\u7387(premium rate)\u3002<\/p>\n

\u7531\u65bc\u5e74\u7d00\u8d8a\u5927\uff0c\u751f\u75c5\u6216\u6b7b\u4ea1\u7684\u6a5f\u6703\u7387\u8d8a\u9ad8\uff0c\u6240\u4ee5\u5e74\u9f61\u8d8a\u9ad8\uff0c\u4fdd\u96aa\u7387\u8d8a\u9ad8\u3002<\/p>\n

30\u6b72\u975e\u5438\u7159\u7537\u6027\u7684\u4fdd\u96aa\u7387\u662f0.86%\uff0c\u5373\u662f\u4ed6\u8981\u8cb7\u4fdd\u984d100\u842c\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c31\u8981\u6bcf\u5e74\u652f\u4ed8$8,600\u3002<\/p>\n

50\u6b72\u975e\u5438\u7159\u7537\u6027\u7684\u4fdd\u96aa\u7387\u662f2.06%\uff0c\u5373\u662f\u4ed6\u8981\u8cb7\u4fdd\u984d100\u842c\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c31\u8981\u6bcf\u5e74\u652f\u4ed8$20,600\u3002<\/p>\n

\u540c\u4e00\u5e74\u9f61\uff0c\u5438\u7159\u4eba\u4ed5\u537b\u8981\u652f\u4ed8\u66f4\u591a\u4fdd\u96aa\uff0c\u56e0\u70ba\u5438\u7159\u884c\u70ba\u4ee4\u5230\u751f\u75c5\u6216\u6b7b\u4ea1\u7684\u6a5f\u6703\u7387\u589e\u52a0\uff0c\u800c\u4e14\u96a8\u8457\u5e74\u7d00\u8d8a\u5927\uff0c\u5dee\u8ddd\u8d8a\u5927\uff0c\u4ee5\u4e0b\u662f\u53c3\u8003\u4fdd\u96aa\u516c\u53f8\u5167\u90e8\u6587\u4ef6\u8a08\u7b97\u51fa\u4f86\u7684\u4fdd\u96aa\u7387\uff1a<\/p>\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n
\u5e74\u9f61<\/td>\n\u4fdd\u8cbb\u7387<\/td>\n<\/tr>\n
\u7537\u6027<\/td>\n\u5973\u6027<\/td>\n<\/tr>\n
\u975e\u5438\u7159<\/td>\n\u5438\u7159<\/td>\n\u975e\u5438\u7159<\/td>\n\u5438\u7159<\/td>\n<\/tr>\n
20<\/td>\n0.57%<\/td>\n0.95%<\/td>\n0.43%<\/td>\n0.66%<\/td>\n<\/tr>\n
30<\/td>\n0.86%<\/td>\n1.46%<\/td>\n0.64%<\/td>\n1.00%<\/td>\n<\/tr>\n
40<\/td>\n1.33%<\/td>\n2.28%<\/td>\n0.99%<\/td>\n1.55%<\/td>\n<\/tr>\n
50<\/td>\n2.06%<\/td>\n3.54%<\/td>\n1.53%<\/td>\n2.42%<\/td>\n<\/tr>\n
60<\/td>\n3.17%<\/td>\n5.36%<\/td>\n2.39%<\/td>\n3.73%<\/td>\n<\/tr>\n
70<\/td>\n4.81%<\/td>\n7.86%<\/td>\n3.72%<\/td>\n5.65%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\u70ba\u4e86\u589e\u52a0\u5927\u5bb6\u7684\u7406\u89e3\uff0c\u4e0b\u8868\u5c07\u4fdd\u8cbb\u8a08\u7b97\u51fa\u4f86\uff0c\u4ee5100\u842c\u4fdd\u984d\u70ba\u4f8b\uff1a<\/p>\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n
\u5e74\u9f61<\/td>\n\u6bcf100\u842c\u4fdd\u984d\u7684\u4fdd\u8cbb<\/td>\n<\/tr>\n
\u7537\u6027<\/td>\n\u5973\u6027<\/td>\n<\/tr>\n
\u975e\u5438\u7159<\/td>\n\u5438\u7159<\/td>\n\u975e\u5438\u7159<\/td>\n\u5438\u7159<\/td>\n<\/tr>\n
20<\/td>\n$5,700<\/td>\n$9,500<\/td>\n$4,300<\/td>\n$6,600<\/td>\n<\/tr>\n
30<\/td>\n$8,600<\/td>\n$14,600<\/td>\n$6,400<\/td>\n$10,000<\/td>\n<\/tr>\n
40<\/td>\n$13,300<\/td>\n$22,800<\/td>\n$9,900<\/td>\n$15,500<\/td>\n<\/tr>\n
50<\/td>\n$20,600<\/td>\n$35,400<\/td>\n$15,300<\/td>\n$24,200<\/td>\n<\/tr>\n
60<\/td>\n$31,700<\/td>\n$53,600<\/td>\n$23,900<\/td>\n$37,300<\/td>\n<\/tr>\n
70<\/td>\n$48,100<\/td>\n$78,600<\/td>\n$37,200<\/td>\n$56,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\u8209\u500b\u4f8b\u5b50\uff0c\u4e00\u540d40\u6b72\u7684\u7537\u6027\u7159\u6c11\uff0c\u4e00\u5e74\u8981\u591a\u4ed8$9,500\uff1b\u5230\u4ed660\u6b72\u6642\uff0c\u66f4\u8981\u591a\u4ed8$21,900\uff01<\/p>\n

\u4e0d\u662f\u6240\u6709\u4fdd\u96aa\u90fd\u6703\u56e0\u70ba\u5438\u7159\u800c\u589e\u52a0\u4fdd\u8cbb\uff0c\u4f8b\u5982\u5be6\u5831\u5be6\u652f\u7684\u4f4f\u91ab\u4fdd\u96aa\uff0c\u6216\u610f\u5916\u4fdd\u96aa\uff0c\u4e26\u4e0d\u6703\u8003\u616e\u662f\u5426\u5438\u7159\u9019\u500b\u56e0\u7d20\u3002<\/p>\n

\u4e0d\u4e00\u5b9a\u662f\u4e00\u6b21\u5438\u7159\uff0c\u4e00\u4e16\u4ea4\u8cb4\u4fdd\u8cbb\uff0c\u5982\u679c\u5438\u7159\u4eba\u4ed5\u6212\u7159\u5f8c\u4e00\u500b\u7279\u5b9a\u6642\u671f\uff08\u4f8b\u5982\u4e00\u5e74\uff0c\u8996\u4e4e\u4fdd\u96aa\u516c\u53f8\u7684\u898f\u5b9a\uff09\uff0c\u4fbf\u53ef\u7533\u8acb\u4ee5\u975e\u5438\u7159\u7684\u512a\u60e0\u4fdd\u8cbb\u3002<\/p>\n

\u4e00\u822c\u9700\u8981\u586b\u4e00\u4efd\u300c\u5438\u7159\u554f\u5377\u300d\uff0c\u4ee5\u53ca\u7531\u91ab\u751f\u6aa2\u9a57\u9ad4\u5167\u5c3c\u53e4\u4e01\u7684\u72c0\u6cc1\uff0c\u8b49\u5be6\u518d\u6c92\u6709\u5438\u7159\uff0c\u4fbf\u53ef\u7372\u5f97\u6212\u7159\u7684\u512a\u60e0\u4fdd\u8cbb\u3002<\/p>\n

\u59cb\u7d42\u5438\u7159\u90fd\u4e0d\u53ef\u80fd\u662f\u4e00\u7a2e\u5065\u5eb7\u7684\u884c\u70ba\uff0c\u4e0d\u55ae\u6703\u5f71\u97ff\u5230\u81ea\u5df1\uff0c\u66f4\u6703\u5f71\u97ff\u8eab\u908a\u7684\u4eba\u3002<\/p>\n

\u91ab\u5b78\u7814\u7a76\u986f\u793a\uff0c\u4e8c\u624b\u7159\u548c\u4e09\u624b\u7159\uff08\u5373\u6cbe\u67d3\u5728\u74b0\u5883\u548c\u8863\u7269\u7684\u6b98\u7559\u7269\uff09\u5c0d\u5176\u4ed6\u4eba\u7684\u6bd2\u5bb3\u4e0d\u4e0b\u65bc\u4e00\u624b\u7159\u3002<\/p>\n

 <\/p>\n

\u70ba\u5df1\u70ba\u4eba\uff0c\u6212\u5497\u4f62\u5587\uff01<\/strong><\/p><\/blockquote>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u6709\u4e9b\u4eba\u6703\u8a08\u7b97\uff0c\u4e00\u751f\u4eba\u5438\u7159\u6703\u82b1\u591a\u5c11\u9322\uff0c\u53c8\u6709\u4e9b\u4eba\u6703\u8a08\u7b97\uff0c\u9019\u4e9b\u9322\u7528\u4f86\u6295\u8cc7\u6703\u6709\u591a\u5927\u6a5f\u6703\u6210\u672c(opportunity c […]<\/p>\n","protected":false},"author":2,"featured_media":7614,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":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":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":[603638463,603689565,602147501],"tags":[18088608,311531],"class_list":["post-7591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-milocalize","category-column","category-investment","tag-18088608","tag-311531"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/tokuhon.blog\/wp-content\/uploads\/2018\/01\/e68892e78599.jpg?fit=640%2C480&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/s9lhKB-7591","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/7591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7591"}],"version-history":[{"count":1,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/7591\/revisions"}],"predecessor-version":[{"id":7615,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/7591\/revisions\/7615"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/media\/7614"}],"wp:attachment":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}