{"id":26436,"date":"2015-12-02T14:30:03","date_gmt":"2015-12-02T06:30:03","guid":{"rendered":"http:\/\/uxren.cn\/?p=26436"},"modified":"2015-12-02T15:30:43","modified_gmt":"2015-12-02T07:30:43","slug":"%e3%80%90%e6%80%9d%e8%80%83%e3%80%91%e8%a1%a8%e5%8d%95%e9%80%89%e9%a1%b9%e8%ae%be%e8%ae%a1%e5%af%b9%e4%ba%8e%e7%94%a8%e6%88%b7%e9%80%89%e6%8b%a9%e7%9a%84%e5%bd%b1%e5%93%8d","status":"publish","type":"post","link":"https:\/\/www.uxren.cn\/?p=26436","title":{"rendered":"\u3010\u601d\u8003\u3011\u8868\u5355\u9009\u9879\u8bbe\u8ba1\u5bf9\u4e8e\u7528\u6237\u9009\u62e9\u7684\u5f71\u54cd"},"content":{"rendered":"<h4><a href=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/165866305.jpg\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-26445\" alt=\"ZOONRF-00311495-001\" src=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/165866305.jpg\" width=\"5272\" height=\"3766\" srcset=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/165866305.jpg 5272w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/165866305-300x214.jpg 300w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/165866305-1024x731.jpg 1024w\" sizes=\"(max-width: 5272px) 100vw, 5272px\" \/><\/a><\/h4>\n<p><b>\u8bd1\u8005\uff1a\u859b\u5854\u65af \u00a0 \u00a0\u4f5c\u8005\uff1aColleen Roller<\/b><br \/>\n&nbsp;<\/p>\n<p><b>\u8bd1\u8005\u6ce8\uff1a\u672c\u7bc7\u6587\u7ae0\u662f\u6211\u5728<\/b><b>Smashing magazine<\/b><b>\u4e0a\u770b\u5230\u7684\u504f\u5b66\u672f\u4e00\u70b9\u7684\u8bbe\u8ba1\u6587\u7ae0\uff0c\u8ba8\u8bba\u7684\u66f4\u591a\u7684\u662f\u4ece\u5fc3\u7406\u5b66\u4e0a\u3001\u4e1a\u52a1\u903b\u8f91\u4e0a\u5bf9\u4e8e\u8bbe\u8ba1\u7684\u5f71\u54cd\u3002\u6587\u7ae0\u7684\u6807\u9898\u8ba9\u6211\u7ea0\u7ed3\u4e86\u597d\u4e45\uff0c\u53ef\u80fd\u4f1a\u6587\u4e0d\u5bf9\u9898\uff0c\u5927\u5bb6\u770b\u5185\u5bb9\u540e\u5e94\u8be5\u80fd\u7406\u89e3\u6211\u60f3\u8868\u8fbe\u7684\uff0c\u4e0b\u9762\u8fdb\u5165\u8bd1\u6587\u3002<\/b><\/p>\n<p>&nbsp;<\/p>\n<p>\u4f5c\u4e3a\u4e00\u4e2a\u4ea4\u4e92\u8bbe\u8ba1\u5e08\uff0c\u4f60\u4e5f\u8bb8\u5df2\u7ecf\u8bbe\u8ba1\u4e86\u5f88\u591a\u7f51\u9875\u7aef\u6216APP\u7aef\u7684\u3001\u9700\u8981\u7528\u6237\u53bb\u9009\u62e9\u7684\u8868\u5355\u53ca\u5176\u7ec4\u5408\u4e86\uff1b\u4f60\u975e\u5e38\u4e86\u89e3\u8868\u5355\u8bbe\u8ba1\u7684\u89c4\u5219\u3001\u7279\u70b9\u3002\u4f46\u662f\uff0c\u4f60\u662f\u5426\u66fe\u7ecf\u8003\u8651\u8fc7\u8868\u5355\u8bbe\u8ba1\u662f\u5982\u4f55\u5f71\u54cd\u7528\u6237\u9009\u62e9\u7684\uff1f\u4e0d\u540c\u7684\u8868\u5355\u8bbe\u8ba1\u4f1a\u7ed9\u7528\u6237\u9009\u62e9\u5e26\u6765\u4e0d\u540c\u7684\u5f15\u5bfc\uff0c\u4ece\u800c\u5f71\u54cd\u7740\u7528\u6237\u7684\u9009\u62e9\u7ed3\u679c\u3002<\/p>\n<p>\u4e3e\u4e2a\u6817\u5b50\uff0c\u4f60\u6b63\u5728\u8bbe\u8ba1\u4e00\u4e2a\u8868\u5355\uff0c\u7528\u6237\u901a\u8fc7\u8868\u5355\u6765\u9009\u62e9\u662f\u5426\u9700\u8981\u53c2\u52a0\u4e00\u4e2a\u9884\u9632\u75be\u75c5\u7684\u7406\u7597\u8bfe\u7a0b\uff0c\u6bd4\u5982\u6d41\u611f\u75ab\u82d7\u6ce8\u5c04\u3002\u6709\u597d\u51e0\u79cd\u8bbe\u8ba1\u65b9\u5f0f\uff0c\u4f8b\u5982\u4f60\u53ef\u4ee5\u8bbe\u8ba1\u4e00\u4e2acheckbox\u8ba9\u7528\u6237\u6765\u52fe\u9009\u662f\u5426\u53c2\u52a0\uff1b\u540c\u6837\uff0c\u4f60\u4e5f\u53ef\u4ee5\u8bbe\u8ba1\u4e00\u4e2aradio button\u6765\u6e05\u695a\u7684\u5217\u51fa\u4e24\u79cd\u4e0d\u540c\u7684\u9009\u62e9\u4fe1\u606f\u3002\u5982\u4e0b\u56fe\uff1a<\/p>\n<div><a href=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-17205fd655127502.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-26439\" alt=\"610973-17205fd655127502\" src=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-17205fd655127502.png\" width=\"442\" height=\"438\" srcset=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-17205fd655127502.png 442w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-17205fd655127502-150x150.png 150w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-17205fd655127502-300x297.png 300w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-17205fd655127502-160x160.png 160w\" sizes=\"(max-width: 442px) 100vw, 442px\" \/><\/a><\/div>\n<p>\u8fd9\u4e24\u79cd\u4e0d\u540c\u7684\u8bbe\u8ba1\u662f\u5426\u4f1a\u4f7f\u7528\u6237\u505a\u51fa\u4e0d\u540c\u7684\u9009\u62e9\u5462\uff1f\u8fdb\u800c\uff0c\u6211\u4eec\u53ef\u4e0d\u53ef\u4ee5\u901a\u8fc7\u4e0d\u540c\u7684\u8868\u5355\u8bbe\u8ba1\u6765\u5f15\u5bfc\u7528\u6237\u7684\u9009\u62e9\u5462\uff1f<\/p>\n<p>&nbsp;<\/p>\n<h4>\u9ed8\u8ba4\u72b6\u6001\u7684\u5a01\u529b<\/h4>\n<p>\u4e0a\u56fe\u4e24\u79cd\u8bbe\u8ba1\u7684\u5173\u952e\u4e0d\u540c\u4e4b\u5904\u662fcheckbox\u9700\u8981\u4e00\u4e2a\u9ed8\u8ba4\u7684\u72b6\u6001\uff1a\u9ed8\u8ba4\u88ab\u9009\u4e2d\u6216\u8005\u9ed8\u8ba4\u4e0d\u88ab\u9009\u4e2d\uff1b\u76f8\u6bd4\u6765\u8bf4\uff0cradio button\u4e0d\u9700\u8981\u4e00\u4e2a\u9ed8\u8ba4\u7684\u72b6\u6001\u3002\u5728checkbox\u7684\u4f8b\u5b50\u4e2d\uff0c\u7528\u6237\u751a\u81f3\u4e0d\u9700\u8981\u505a\u4efb\u4f55\u9009\u62e9\uff0c\u56e0\u4e3a\u5b83\u5df2\u7ecf\u9ed8\u8ba4\u9009\u62e9\u597d\u4e86\u3002<\/p>\n<p><a href=\"http:\/\/www.hks.harvard.edu\/fs\/rzeckhau\/SQBDM.pdf\" target=\"_blank\">Robust body of research<\/a>\u00a0\u4ee5\u9610\u660e\u5f53\u5411\u7528\u6237\u63d0\u4f9b\u4e00\u4e2a\u9ed8\u8ba4\u7684\u72b6\u6001\u9009\u9879\u65f6\uff0c\u76f8\u5f53\u4e00\u90e8\u5206\u7528\u6237\u4e0d\u4f1a\u53bb\u6539\u53d8\u5b83\u3002\u5f53\u8fd9\u4e2acheckbox\u88ab\u9ed8\u8ba4\u52fe\u9009\u65f6\uff0c\u5f88\u591a\u7528\u6237\u4e0d\u4f1a\u53bb\u52fe\u6389\uff08uncheck\uff09\u9009\u9879\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002\u5f53\u7528\u6237\u51c6\u5907\u505a\u4e00\u4e2a\u6e05\u6670\u7684\u9009\u62e9\u7684\u65f6\u5019\uff0c\u5bf9\u4e8e\u9009\u9879\u7684\u5185\u5bb9\u63cf\u8ff0\u5c31\u4f1a\u53d8\u5f97\u654f\u611f\uff0c\u8fd9\u5f80\u5f80\u9700\u8981\u82b1\u8d39\u66f4\u591a\u7684\u65f6\u95f4\u3001\u7cbe\u529b\u548c\u8be6\u5c3d\u7684\u601d\u8003\u3001\u5bf9\u6bd4\u3002<\/p>\n<p>\u8fd8\u6709\u4e00\u4e2a\u6709\u8da3\u7684\u73b0\u8c61\uff1a\u7528\u6237\u5bf9\u4e8e\u6709\u53ef\u80fd\u5bfc\u81f4TA\u5931\u53bb\u4e00\u4e9b\u6743\u5229\u6216\u5176\u4ed6\u4ec0\u4e48\u7684\u65f6\u5019\u8868\u73b0\u7684\u65e0\u6bd4\u654f\u611f\uff01\u5f53\u9009\u4e2d\u8fd9\u7c7b\u9009\u9879\u65f6\uff0c\u7528\u6237\u4f1a\u4e0b\u610f\u8bc6\u7684\u611f\u5230\u201c\u6cae\u4e27\u201d\u3002\u5c24\u5176\u5f53\u7528\u6237\u72b9\u8c6b\u600e\u4e48\u9009\u62e9\u65f6\uff0c\u4e0d\u9009\u62e9\uff08\u8fd9\u4e2a\u65f6\u5019\u7ed9\u4e00\u4e2a\u9ed8\u8ba4\u9009\u9879\u5c06\u5bf9TA\u6765\u8bf4\u662f\u4e00\u79cd\u83ab\u5927\u7684\u5e2e\u52a9\uff09\u5c06\u6bd4\u9009\u62e9\u4e00\u4e2a\u53ef\u80fd\u5bfc\u81f4TA\u5931\u53bb\u4ec0\u4e48\u7684\u9009\u9879\u66f4\u80fd\u83b7\u5f97\u5b89\u6170\u3002\u56e0\u4e3a\u7528\u6237\u5f80\u5f80\u6709\u4e2a\u4e0d\u771f\u5b9e\u7684\u671f\u671b\uff08unrealistic expectation\uff09:TA\u53ef\u4ee5\u5728\u5c06\u6765\u505a\u51fa\u66f4\u51c6\u786e\u7684\u9009\u62e9\uff01\u88ab\u52a8\u7684\u9009\u62e9\u9ed8\u8ba4\u72b6\u6001\u4f1a\u8ba9\u7528\u6237\u611f\u5230\u5b89\u5168\u611f\uff0c\u66f4\u52a0\u7b80\u5355\uff0c\u548c\u66f4\u5c0f\u7684\u98ce\u9669\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4>\u4e3a\u4e86\u66f4\u51c6\u786e\u7684\u9009\u62e9\u800c\u8bbe\u8ba1<\/h4>\n<p>\u88ab\u52a8\u7684\u9009\u62e9\u9ed8\u8ba4\u9009\u9879\u5728\u7f51\u7ad9\u3001app\u8bbe\u8ba1\u4e2d\u88ab\u5e7f\u6cdb\u7684\u4f7f\u7528\u3002\u7136\u800c\uff0c\u5bf9\u4e8e\u7528\u6237\u6765\u8bf4\uff0c\u4e3b\u52a8\u5730\u505a\u51fa\u9009\u62e9\u662f\u5426\u66f4\u80fd\u8ba9TA\u611f\u89c9\u66f4\u52a0\u597d\u5462\uff08\u4e3b\u52a8\u6027\u3001\u4e3b\u5bb0\u81ea\u5df1\u547d\u8fd0\u7684\u81ea\u8c6a\u611f\uff01\u5e7b\u60f3\u4e00\u4e0b\u81ea\u5df1\u53bb\u586b\u4e86\u4e00\u5f20\u4eba\u5927\u4ee3\u8868\u7684\u9009\u7968\uff01\uff09\u90a3\u4e48\uff0c\u6211\u4eec\u53ef\u4e0d\u53ef\u4ee5\u5728\u8868\u5355\u8bbe\u8ba1\u4e2d\u5c06\u9009\u9879\u8bbe\u8ba1\u7684\u66f4\u52a0\u6e05\u6670\u660e\u786e\u4e00\u4e9b\uff0c\u4ee5\u6b64\u6765\u5f15\u5bfc\u7528\u6237\u4e3b\u52a8\u5730\u53bb\u9009\u62e9\u5462\uff1f\u5e26\u7740\u8fd9\u4e2a\u95ee\u9898\uff0c\u7528\u7814\u56e2\u961f\u5f00\u5c55\u4e86\u4e00\u9879\u8bfe\u9898\u7814\u7a76\uff1a\u6e05\u6670\u51c6\u786e\u7684\u9009\u62e9\u8bbe\u8ba1\u600e\u6837\u5f71\u54cd\u7528\u6237\u7684\u9009\u62e9\u7ed3\u679c\u3002\u7528\u7814\u56e2\u961f\u4ee5\u771f\u5b9e\u7684\u6848\u4f8b\u4e3a\u8bba\u636e\uff0c\u6765\u7814\u7a76\u5bf9\u6bd4\u4e24\u79cd\u6e05\u6670\u51c6\u786e\u7684\u9009\u62e9\u8bbe\u8ba1\u6240\u5e26\u6765\u7684\u7528\u6237\u9009\u62e9\u7ed3\u679c\u3002\uff08401(k)plan\u662fA\u56fd\u7684\u96c7\u4e3b\u62c5\u4fdd\u8ba1\u5212\uff0c\u52a0\u5165\u540e\u4f1a\u6709\u4e00\u4e9b\u51cf\u514d\u7a0e\u7684\u653f\u7b56\uff09<\/p>\n<p>\u8bbe\u8ba11\uff1a<\/p>\n<blockquote><p>\u201c\u6211\u60f3\u52a0\u5165401(k)\u8ba1\u5212\u201d<\/p><\/blockquote>\n<blockquote><p>\u201c\u6211\u4e0d\u60f3\u52a0\u5165401(k)\u8ba1\u5212\u201d<\/p><\/blockquote>\n<p>\u8bbe\u8ba12\uff1a<\/p>\n<blockquote><p>\u201c\u6211\u60f3\u52a0\u5165401(k)\u8ba1\u5212\u5e76\u4ece\u96c7\u4e3b\u7ade\u8d5b\u4e2d\u83b7\u5229\u201d<\/p><\/blockquote>\n<blockquote><p>\u201c\u6211\u4e0d\u60f3\u52a0\u5165401(k)\u8ba1\u5212\u5e76\u4e0d\u60f3\u4ece\u96c7\u4e3b\u7ade\u8d5b\u4e2d\u83b7\u5229\u201d<\/p><\/blockquote>\n<p>\u4e24\u79cd\u8bbe\u8ba1\u9610\u8ff0\u7684\u662f\u4e00\u4e2a\u4e3b\u9898\u3002\u8bbe\u8ba11\u4e2d\uff0c\u4e24\u4e2a\u9009\u62e9\u662f\u76f8\u7b49\u91cd\u8981\u7684\uff1b\u7528\u6237\u5728\u8fd9\u4e24\u4e2a\u63cf\u8ff0\u4e2d\u6ca1\u6709\u7279\u522b\u7684\u91cd\u70b9\u6765\u503e\u5411\u9009\u62e9\u5176\u4e2d\u4e00\u4e2a\uff0c\u8fd9\u4e24\u4e2a\u9009\u9879\u662f\u7b80\u5355\u7684\u3001\u5b8c\u5168\u76f8\u53cd\u7684\u5ba2\u89c2\u7684\u3001\u7406\u6027\u7684\u5185\u5bb9\uff0c\u6ca1\u6709\u4efb\u4f55\u4e00\u4e2a\u80fd\u8ba9\u7528\u6237\u4e3b\u89c2\u4e0a\u611f\u89c9\u5230\u6bd4\u53e6\u4e00\u4e2a\u597d\u3002\u8bbe\u8ba12\u4e2d\uff0c\u6e05\u6670\u5730\u6ce8\u660e\u7528\u6237\u5c06\u5728\u9009\u9879\u4e2d\u4eab\u6709\u6216\u5931\u53bb\u4e00\u4e9b\u4e1c\u897f\u3002<\/p>\n<p>\u6848\u4f8b\u7814\u7a76\u8868\u660e\uff0c\u76f8\u8f83\u8bbe\u8ba11\uff0c\u4f7f\u7528\u8bbe\u8ba12\u7684\u7528\u6237\u4e2d\uff0c\u6709\u66f4\u591a\u7684\u6bd4\u4f8b\u6ce8\u518c\u4e86401(k)\u8ba1\u5212\uff0c\u800c\u4e14\u771f\u6b63\u53c2\u4e0e\u5230\u8be5\u8ba1\u5212\u4e2d\u7684\u7528\u6237\u4e5f\u6709\u6240\u589e\u52a0\u3002\u4e3a\u4ec0\u4e48\u8bbe\u8ba12\u4e2d\u7684\u9610\u8ff0\u65b9\u5f0f\u80fd\u591f\u5982\u6b64\u5f71\u54cd\u7528\u6237\u7684\u9009\u62e9\u5462\uff1f\u56e0\u4e3a\u4ece\u7eaf\u8bbe\u8ba1\u89d2\u5ea6\u6765\u8bf4\uff0c\u8bbe\u8ba12\u4e2d\u66f4\u8be6\u7ec6\u7684\u8868\u8ff0\u9009\u9879\u5185\u5bb9\u770b\u8d77\u6765\u6bd4\u8f83\u5197\u4f59\uff0c\u4e00\u70b9\u4e5f\u4e0d\u7b80\u6d01\u3002\u539f\u56e0\u5728\u4e8e\uff08\u4f5c\u8005\u81ea\u95ee\u81ea\u7b54\u597d\u55e8\u76ae\uff09\uff1a\u4e00\u822c\u60c5\u51b5\u4e0b\uff0c\u7528\u6237\u662f\u4e0d\u60c5\u613f\u4e3b\u52a8\u53bb\u5bfb\u627e\u5fc5\u8981\u7684\u4fe1\u606f\u6765\u5e2e\u52a9\u4ed6\u4eec\u505a\u9009\u62e9\u7684\u3002\uff08\u8fd9\u53ef\u80fd\u6e90\u81ea\u4e8e\u4eba\u7c7b\u9aa8\u5b50\u91cc\u7684\u60f0\u6027\u5427\uff0c\u6211\u731c\u60f3\uff09\u56e0\u6b64\uff0c\u8bbe\u8ba12\u4e2d\u770b\u4f3c\u591a\u4f59\u7684\u8868\u8ff0\u8d77\u5230\u4e86\u4f5c\u7528\u3002\u5f53\u6211\u4eec\u4e3b\u52a8\u5730\u4e3a\u7528\u6237\u63d0\u4f9b\u4e86\u5e2e\u52a9\u9009\u62e9\u7684\u4fe1\u606f\u540e\uff0c\u6211\u4eec\u5176\u5b9e\u907f\u514d\u4e86\u7528\u6237\u82b1\u8d39\u66f4\u591a\u7684\u65f6\u95f4\u53bb\u5bfb\u627e\u3001\u5206\u6790\u8fd9\u4e2a\u9009\u62e9\u80cc\u540e\u6240\u9700\u8981\u7684\u4fe1\u606f\u652f\u6301\u3002\u57fa\u4e8e\u6b64\uff0c\u4e3a\u7528\u6237\u63d0\u4f9b\u66f4\u591a\u660e\u786e\u7684\u4fe1\u606f\u5bf9\u4e8e\u7528\u6237\u9009\u62e9\u7684\u5e2e\u52a9\u662f\u5de8\u5927\u7684\u3002<\/p>\n<h4><\/h4>\n<h4>\u89c4\u907f\u6f5c\u5728\u7684\u635f\u5931<\/h4>\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u6ca1\u6709\u9009\u62e9\u53c2\u52a0401(k)\u8ba1\u5212\u7684\u7528\u6237\u6765\u8bf4\uff0c\u4fdd\u6301\u9ed8\u8ba4\u7684\u9009\u9879\uff08\u4e0d\u53c2\u52a0\uff09\u8868\u9762\u770b\u8d77\u6765\u5e76\u6ca1\u6709\u5bfc\u81f4\u67d0\u79cd\u6f5c\u5728\u7684\u635f\u5931\u3002\u76f8\u53cd\uff0c\u5927\u90e8\u5206\u7528\u6237\u77e5\u9053\uff0c\u53c2\u4e0e\u8be5\u8ba1\u5212\u540e\u5c06\u5bf9\u8be5\u8ba1\u5212\u505a\u51fa\u4e00\u4e9b\u8d21\u732e\u548c\u652f\u51fa-\u65e5\u5e38\u7684\u5bb6\u5ead\u652f\u51fa\u8d39\u7528\u5c06\u4e0d\u518d\u90a3\u4e48\u5145\u88d5\uff08\u7b14\u8005\u4e0d\u592a\u4e86\u89e3\u8be5\u8ba1\u5212\u7684\u8be6\u60c5\uff0c\u53ea\u662f\u6839\u636e\u5b57\u9762\u610f\u601d\u63e3\u6d4b\uff0c\u5982\u679c\u8bef\u5dee\u8fc7\u5927\uff0c\u4f60\u6765\u6253\u6211\u554a\uff01\uff09\u3002\u800c\u4e14\u6295\u8d44\u672c\u8eab\u5c31\u610f\u5473\u7740\u9884\u7b97\u652f\u51fa\uff0c\u610f\u5473\u7740\u6f5c\u5728\u7684\u8d22\u52a1\u635f\u5931\u98ce\u9669\uff08\u6295\u8d44\u5931\u8d25\uff09\u3002\u56e0\u6b64\uff0c\u52fe\u9009\u9009\u9879\u53c2\u52a0\u8ba1\u5212\u8868\u9762\u4e0a\u770b\u6765\u6bd4\u9ed8\u8ba4\u4e0d\u53c2\u52a0\u8ba1\u5212\u6765\u7684\u98ce\u9669\u66f4\u5927\u4e00\u70b9\u3002<\/p>\n<p>\u4f46\u662f\uff0c\u5982\u679c\u6211\u4eec\u5c06\u4fdd\u6301\u9ed8\u8ba4\u9009\u9879\uff08\u4e0d\u53c2\u52a0\uff09\u7684\u6f5c\u5728\u652f\u51fa\u548c\u635f\u5931\uff08\u6b64\u5904\u610f\u5473\u7740\u5931\u53bb\u4e86\u96c7\u4e3b\u7ade\u8d5b\u7684\u673a\u4f1a\uff09\u660e\u786e\u7684\u8868\u8ff0\u51fa\u6765\uff0c\u90a3\u4e48\u9009\u62e9\u53c2\u52a0\u8ba1\u5212\u7684\u5c31\u53d8\u5f97\u5bf9\u7528\u6237\u66f4\u52a0\u6709\u5229\u3002\u5bf9\u4e8e\u7528\u6237\u6765\u8bf4\uff0c\u89c4\u907f\u635f\u5931\u6bd4\u83b7\u53d6\u5229\u76ca\u66f4\u52a0\u7684\u6709\u8bf1\u60d1\u529b\u3002<\/p>\n<p>\u5982\u679c\u6211\u4eec\u628a\u8bbe\u8ba12\u4e2d\u7684\u9009\u9879\u6362\u4e00\u79cd\u8868\u8ff0\uff1a<\/p>\n<blockquote><p>\u201c\u6211\u60f3\u52a0\u5165401(k)\u8ba1\u5212\u201d<\/p><\/blockquote>\n<blockquote><p>\u201c\u6211\u4e0d\u60f3\u52a0\u5165401(k)\u8ba1\u5212\u5e76\u4e0d\u60f3\u4ece\u96c7\u4e3b\u7ade\u8d5b\u4e2d\u83b7\u5229\u201d<\/p><\/blockquote>\n<p>\u9009\u9879\u4e2d\u5e76\u6ca1\u6709\u63d0\u793a\u7528\u6237TA\u5c06\u4ece\u8ba1\u5212\u4e2d\u83b7\u53d6\u4ec0\u4e48\u5229\u76ca\uff0c\u53ea\u662f\u63d0\u9192\u7528\u6237\u4e0d\u53c2\u52a0\u8ba1\u5212\u7684\u8bddTA\u5e76\u4e0d\u4f1a\u635f\u5931\u4ec0\u4e48\u3002\u5728\u8fd9\u79cd\u8868\u8ff0\u4e0b\uff0c\u6211\u5f88\u6000\u7591\u8fd8\u4f1a\u6709\u5927\u591a\u6570\u7528\u6237\u4f1a\u88ab\u6fc0\u52b1\u7740\u9009\u62e9\u52a0\u5165\u8ba1\u5212\u3002<\/p>\n<h4><\/h4>\n<h4>\u73b0\u5b9e\u4e2d\u7684\u4f8b\u5b50<\/h4>\n<p>\u4e0b\u9762\u6211\u4eec\u6765\u5217\u4e3e\u73b0\u5b9e\u4e2d\u7684\u4f8b\u5b50\u6765\u8bf4\u660e\u6e05\u695a\u7684\u8868\u8ff0\u9009\u9879\u5185\u5bb9\u5bf9\u4e8e\u7528\u6237\u9009\u62e9\u7684\u5f71\u54cd\u529b\u3002\u7c73\u56fd\u6709\u5bb6\u5236\u836f\u516c\u53f8<a href=\"https:\/\/www.caremark.com\/wps\/portal\" target=\"_blank\">CVS\/caremark<\/a>\uff0c\u516c\u53f8\u7684\u7528\u6237\u91cc\u6709\u5f88\u5927\u4e00\u90e8\u5206\u9009\u62e9\u4e86\u4ed6\u4eec\u7684\u201c\u81ea\u52a8\u5ef6\u7eed\u5904\u65b9\u836f\u201d\u9879\u76ee\uff08automatic prescription-refilling program\uff09,\u4ed6\u4eec\u7684\u9009\u9879\u8868\u5355\u662f\u957f\u8fd9\u6837\u5b50\u7684\uff1a<\/p>\n<blockquote><p>&#8220;\u6211\u5e0c\u671b\u81ea\u5df1\u8ba2\u8d2d\u6211\u7684\u5904\u65b9\u836f&#8221;<\/p><\/blockquote>\n<blockquote><p>&#8220;\u6211\u5e0c\u671b\u6ce8\u518c\u5230ReadyFill@Mail(\u81ea\u52a8\u5ef6\u7eed\u5904\u65b9\u836f\u9879\u76ee)&#8221;<\/p><\/blockquote>\n<p>\u7b2c\u4e00\u4e2a\u9009\u9879\u63d0\u9192\u7528\u6237\u4e0d\u6ce8\u518c\u5230\u9879\u76ee\u7684\u540e\u679c-\u9700\u8981\u81ea\u5df1\u53bb\u82b1\u65f6\u95f4\u8ba2\u8d2d\u81ea\u5df1\u7684\u5904\u65b9\u836f\u3002\u8fd9\u6837\u8868\u8ff0\u7684\u7ed3\u679c\u662f21.9%\u7684\u7528\u6237\u9009\u62e9\u52a0\u5165\u5230\u9879\u76ee\u4e2d\uff0c12.3%\u7684\u7528\u6237\u9009\u62e9\u4e86\u7b2c\u4e00\u4e2a\u9009\u62e9\u3002\u66f4\u6709\u8da3\u7684\u662f\uff0c\u9009\u62e9\u52a0\u5165\u9879\u76ee\u7684\u7528\u6237\u76f8\u6bd4\u6ca1\u52a0\u5165\u7684\u7528\u6237\u6d88\u8d39\u4e86\u66f4\u591a\u7684\u5904\u65b9\u836f\u3002<\/p>\n<h4><\/h4>\n<h4>\u96f6\u552e\u4e16\u754c\u4e2d\u7684\u4f8b\u5b50<\/h4>\n<p>\u6e05\u695a\u660e\u786e\u7684\u9009\u9879\u8868\u8ff0\u80fd\u591f\u63d0\u793a\u7528\u6237\u4ed6\u4eec\u5c06\u8981\u83b7\u5f97\u7684\u5229\u76ca\u548c\u6f5c\u5728\u7684\u635f\u5931\uff0c\u4ece\u800c\u5f15\u5bfc\u7528\u6237\u505a\u51fa\u66f4\u79ef\u6781\u7684\u9009\u62e9\u3002\u4e00\u4e9b\u5728\u7ebf\u8d2d\u7269\u5e73\u53f0\u5e7f\u6cdb\u7684\u5229\u7528\u4e86\u8fd9\u4e00\u70b9\u6765\u63d0\u9ad8\u8f6c\u5316\u7387\u3002<\/p>\n<p><a href=\"http:\/\/www.moissanite.com\/\" target=\"_blank\">Moissanite<\/a>\u662f\u4e00\u4e2a\u7f8e\u5e1d\u7684\u5728\u7ebf\u8d2d\u7269\u5e73\u53f0\uff0c\u5f53\u7528\u6237\u6d4f\u89c8\u7f51\u7ad9\u4e00\u6bb5\u65f6\u95f4\u540e\uff0c\u7f51\u7ad9\u4f1a\u5f39\u51fa\u63d0\u793a\u6846\uff08\u592a\u6253\u6270\u7528\u6237\u7684\u4f53\u9a8c\u4e86\uff01\uff09\u8bf7\u6c42\u7528\u6237\u586b\u5199\u4ed6\u4eec\u7684\u90ae\u7bb1\u5730\u5740\uff0c\u5982\u679c\u7528\u6237\u586b\u5199\u4e86\u5730\u5740\uff0c\u90a3\u4e48\u4ed6\u4eec\u5c06\u4f1a\u5728\u4e0b\u6b21\u8d2d\u7269\u4eab\u53d710%\u7684\u6298\u6263\u3002\u586b\u5199\u4e86\u90ae\u7bb1\u5730\u5740\u610f\u5473\u7740\u5c06\u6536\u5230\u5f88\u591a\u201c\u5783\u573e\u90ae\u4ef6\u201d\uff1b\u4f46\u662f\uff0c\u5728\u9009\u9879\u7684\u5e95\u90e8\u6211\u4eec\u53d1\u73b0\u6709\u4e00\u6761\u63d0\u793a\uff0c\u5b83\u662f\u8fd9\u6837\u5199\u7684\u201c\u4e0d\uff0c\u8c22\u8c22\uff0c\u6211\u6bd4\u8f83\u559c\u6b22\u652f\u4ed8\u5168\u4ef7\u201d\u3002\u5728\u8fd9\u91cc\uff0c\u4ed8\u5168\u4ef7\u5bf9\u4e8e\u7528\u6237\u6765\u8bf4\u662f\u4e00\u79cd\u6f5c\u5728\u7684\u635f\u5931\uff0c\u56e0\u4e3a\u4f60\u53ef\u4ee5\u7528\u6536\u53d6\u5783\u573e\u90ae\u4ef6\u7684\u4ee3\u4ef7\u6362\u53d610%\u7684\u6298\u6263\u3002<\/p>\n<p>&nbsp;<\/p>\n<div><a href=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-99d8ede8dd3bf2c4.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-26438\" alt=\"610973-99d8ede8dd3bf2c4\" src=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-99d8ede8dd3bf2c4.png\" width=\"692\" height=\"477\" srcset=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-99d8ede8dd3bf2c4.png 692w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-99d8ede8dd3bf2c4-300x206.png 300w\" sizes=\"(max-width: 692px) 100vw, 692px\" \/><\/a><\/div>\n<p>\u518d\u4e3e\u4e00\u4e2a\u6817\u5b50\uff0c<a href=\"http:\/\/www.baublebox.com\/\" target=\"_blank\">Bauble Box<\/a>,\u5f53\u4f60\u6d4f\u89c8\u7f51\u7ad9\u4e00\u6bb5\u65f6\u95f4\u540e\uff0c\u7f51\u7ad9\u8df3\u51fa\u5f39\u7a97\u5411\u7528\u6237\u63d0\u4f9b\u4e00\u4e2a15%\u6298\u6263\u7684\u521d\u6b21\u8d2d\u4e70\u4f18\u60e0\u653f\u7b56\uff0c\u4ee5\u6b64\u6765\u6362\u53d6\u7528\u6237\u586b\u5199\u90ae\u7bb1\u5730\u5740\u3002<\/p>\n<p>&nbsp;<\/p>\n<div><a href=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-0dc7d2c6bc2af58c.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-26437\" alt=\"610973-0dc7d2c6bc2af58c\" src=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-0dc7d2c6bc2af58c.png\" width=\"685\" height=\"758\" srcset=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-0dc7d2c6bc2af58c.png 685w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2015\/12\/610973-0dc7d2c6bc2af58c-271x300.png 271w\" sizes=\"(max-width: 685px) 100vw, 685px\" \/><\/a><\/div>\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\u8fd9\u91cc\u5e76\u6ca1\u6709\u50cf\u201cX\u201d\u53f7\u8fd9\u6837\u660e\u663e\u7684\u80fd\u591f\u5173\u95ed\u8fd9\u4e2a\u5f39\u7a97\u7684\u7ec4\u4ef6\u3002\u8981\u60f3\u5173\u95ed\u8fd9\u4e2a\u5f39\u7a97\uff0c\u7528\u6237\u5fc5\u987b\u70b9\u51fb\u5f39\u7a97\u5e95\u90e8\u7684\u201cContinue as guest\u201d(\u7ee7\u7eed\u4f5c\u4e3a\u6e38\u5ba2\u6d4f\u89c8)\u94fe\u63a5\uff0c\u800c\u4e14\u8fd9\u4e2a\u94fe\u63a5\u4e5f\u4e0d\u662f\u90a3\u4e48\u7684\u660e\u663e\u3002\u7f51\u7ad9\u8bbe\u8ba1\u8005\u523b\u610f\u7684\u5f15\u5bfc\u7528\u6237\u53bb\u82b1\u65f6\u95f4\u53bb\u53d1\u73b0\u5173\u95ed\u5f39\u7a97\u7684\u65b9\u6cd5\uff0c\u867d\u7136\u8fd9\u6837\u505a\u53ef\u80fd\u4f1a\u5bfc\u81f4\u4e0d\u597d\u7684\u7528\u6237\u4f53\u9a8c\uff0c\u4f46\u540c\u65f6\u4e5f\u4f1a\u63d0\u9ad8\u7528\u6237\u53d1\u73b0\u201c\u7ee7\u7eed\u505a\u4e3a\u6e38\u5ba2\u201d\u94fe\u63a5\u5e95\u90e8\u7684\u4e00\u53e5\u8bdd\uff08\u6ca1\u670915%\u7684\u4f18\u60e0\u55bd\uff01\uff09<\/p>\n<p>\u8fd9\u6837\u7684\u8bbe\u8ba1\u65b9\u5f0f\u53cd\u6620\u4e86\u8bbe\u8ba1\u5e08\u80cc\u540e\u5bf9\u4e8e\u7528\u6237\u4f53\u9a8c\u548c\u7f51\u7ad9\u4e1a\u52a1\u7684\u601d\u8003\uff0c\u662f\u5426\u5e94\u5f53\u727a\u7272\u7528\u6237\u4f53\u9a8c\u6765\u6362\u53d6\u81ea\u8eab\u4e1a\u52a1\u7684\u63d0\u9ad8\uff1f\u7528\u6237\u5bf9\u4e8e\u7cdf\u7cd5\u7684\u7528\u6237\u4f53\u9a8c\u7684\u5fcd\u8010\u7a0b\u5ea6\u662f\u591a\u5c11\uff1f\u600e\u6837\u53bb\u5e73\u8861\u7528\u6237\u4f53\u9a8c\u548c\u4e1a\u52a1\u5e72\u9884\u7a0b\u5ea6\u4ece\u800c\u4e0d\u8ba9\u7528\u6237\u6700\u7ec8\u653e\u5f03\u4f7f\u7528\u6211\u4eec\u7684\u4ea7\u54c1\uff1f\u8fd9\u4e9b\u90fd\u662f\u975e\u5e38\u503c\u5f97\u4ea7\u54c1\u65b9\u601d\u8003\u7684\u3002<\/p>\n<h4><\/h4>\n<h4>\u603b\u7ed3\u601d\u8003<\/h4>\n<p>\u901a\u8fc7\u6848\u4f8b\u5b66\u4e60\u6211\u4eec\u4e86\u89e3\u5230\uff0c\u5728\u9009\u9879\u8868\u5355\u8bbe\u8ba1\u4e2d\uff0c\u9ed8\u8ba4\u72b6\u6001\u7684\u8bbe\u7f6e\u80fd\u591f\u4e3a\u7528\u6237\u5e26\u6765\u5b89\u5168\u611f\uff0c\u66f4\u52a0\u7b80\u5355\uff0c\u548c\u66f4\u5c0f\u7684\u98ce\u9669\u3002\u4f46\u540c\u65f6\uff0c\u56e0\u4e3a\u4e00\u4e9b\u5176\u4ed6\u7684\u56e0\u7d20\uff0c\u9ed8\u8ba4\u72b6\u6001\u7684\u8bbe\u7f6e\u4e0d\u5168\u662f\u5408\u9002\u7684\u3002\u63d0\u4f9b\u6e05\u6670\u660e\u786e\u7684\u9009\u9879\u8868\u8ff0\uff0c\u5f15\u5bfc\u7528\u6237\u81ea\u4e3b\u9009\u62e9\u5728\u4e00\u4e9b\u60c5\u51b5\u4e0b\u66f4\u80fd\u63d0\u9ad8\u7528\u6237\u7684\u53c2\u4e0e\u7a0b\u5ea6\uff0c\u4ece\u800c\u63d0\u9ad8\u4e1a\u52a1\u8f6c\u5316\u7387\u3002<\/p>\n<p>\u975e\u5e38\u91cd\u8981\u7684\u4e00\u70b9\uff1a\u5728\u9009\u9879\u8868\u8ff0\u4e2d\u660e\u786e\u5730\u63d0\u793a\u7528\u6237\u4ed6\u4eec\u5c06\u5f97\u5230\u7684\u548c\u635f\u5931\u7684\u5c06\u5f88\u5927\u7684\u5f71\u54cd\u4ed6\u4eec\u7684\u9009\u62e9\u3002\u540c\u65f6\uff0c\u600e\u6837\u8868\u8ff0\u9009\u9879\u7684\u5185\u5bb9\uff0c\u4e5f\u4f1a\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u5f71\u54cd\u7528\u6237\u7684\u9009\u62e9\u3002<\/p>\n<p>\u4f5c\u4e3a\u4e00\u4e2a\u4ea4\u4e92\u8bbe\u8ba1\u5e08\uff0c\u6211\u4eec\u5e94\u5f53\u4e86\u89e3\u8bbe\u8ba1\u5bf9\u7528\u6237\u6240\u5e26\u6765\u7684\u5f71\u54cd\uff0c\u6709\u7684\u65f6\u5019\uff0c\u6211\u4eec\u7684\u8bbe\u8ba1\u53ef\u4ee5\u5f15\u5bfc\uff0c\u751a\u81f3\u662f\u9a71\u4f7f\u7528\u6237\u505a\u51fa\u9009\u62e9\u3002\u56e0\u6b64\uff0c\u5f53\u6211\u4eec\u505a\u8bbe\u8ba1\u65f6\uff0c\u5e94\u5f53\u591a\u65b9\u4f4d\u7684\u601d\u8003\u3001\u6743\u8861\uff0c\u5df2\u505a\u51fa\u6700\u201c\u9002\u5408\u201d\u7684\u8bbe\u8ba1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<address>\u6587\u7ae0\u6765\u6e90\uff1a<a href=\"http:\/\/www.jianshu.com\/p\/9ca9dea482cd#\" target=\"_blank\">\u7b80\u4e66<\/a><\/address>\n<address>\u9876\u90e8\u56fe\u7247\u6765\u6e90\uff1a<a href=\"http:\/\/cn.bing.com\/images\/search?q=\u9009\u62e9&amp;view=detailv2&amp;&amp;id=D988C61BEC0C144030B057C9DA052BEFAFEE02FF&amp;selectedIndex=4&amp;ccid=7sae69oG&amp;simid=608050881820754899&amp;thid=OIP.Meec69eebda067e20d54ad3cbb58f605do0\" target=\"_blank\">http:\/\/cn.bing.com\/images<\/a><\/address>\n<p>===================================================================================================================<\/p>\n<p><span style=\"color: #3366ff;\">\u4e0d\u77e5\u4e0d\u89c9UXRen\u793e\u533a\u5b98\u7f51\u5df2\u7ecf\u4e00\u5c81\u534a\u4e86\uff0c \u5728\u8fd9\u91cc\u5c0f\u7f16\u8981\u611f\u8c22\u90a3\u4e48\u4e00\u5982\u65e2\u5f80\u652f\u6301\u672c\u7ad9\u7684\u6cb9\u8336\u4eba\u3002<\/span><\/p>\n<p><span style=\"color: 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