{"id":14035,"date":"2015-12-09T00:21:36","date_gmt":"2015-12-08T16:21:36","guid":{"rendered":"http:\/\/buzzorange.com\/citiorange\/2015\/12\/09\/the-hidden-reasons-people-spend-too-much\/"},"modified":"2015-12-09T00:21:36","modified_gmt":"2015-12-08T16:21:36","slug":"the-hidden-reasons-people-spend-too-much","status":"publish","type":"post","link":"https:\/\/buzzorange.com\/citiorange\/2015\/12\/09\/the-hidden-reasons-people-spend-too-much\/","title":{"rendered":"\u60f3\u8457\u5b58\u9322\u53cd\u800c\u66f4\u5bb9\u6613\u8ca0\u50b5\uff01\u7f8e\u5fc3\u7406\u5b78\u5bb6\u7528 6 \u5927\u79d1\u5b78\u89c0\u9ede\uff0c\u8b93\u4f60\u7a81\u7834\u76f2\u9ede\u5b58\u5927\u9322"},"content":{"rendered":"<div id=\"attachment_50313\" style=\"width: 1323px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-50313\" loading=\"lazy\" class=\"wp-image-50313\" src=\"https:\/\/buzzorange.com\/wp-content\/uploads\/2015\/11\/7408472762_c54bd3fb0b_z1.jpg\" alt=\"\" width=\"1313\" height=\"875\" \/><p id=\"caption-attachment-50313\" class=\"wp-caption-text\">\u5716\u7247\u4f86\u6e90\uff1a<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"\/\/taxcredits.net\" target=\"_blank\" rel=\"noopener noreferrer\">Tax Credits<\/a>\u00a0\u3002<\/span><\/p><\/div>\n<p style=\"text-align: right;\">\u539f\u6587\u4f5c\u8005\uff0fCharlie Wells\uff1b\u83ef\u76db\u9813\u90f5\u5831\u65b0\u805e\u7de8\u8f2f<br \/>\n\u7de8\u8b6f\uff0f\u8607\u5955\u83f2<\/p>\n<p>\u9019\u500b\u6708\u4f60\u53c8\u8d85\u652f\u4e86\u55ce\uff1f\u76f8\u4fe1\u5927\u5bb6\u90fd\u66fe\u7d93\u7591\u554f\u904e\u300c\u5230\u5e95\u8a72\u600e\u9ebc\u63a7\u5236\u82b1\u8cbb\u5462\uff1f\u300d\u6211\u5011\u90fd\u77e5\u9053\u5b58\u9322\u6700\u57fa\u672c\u7684\u7b2c\u4e00\u6b65\u9a5f\u662f\u8a2d\u5b9a\u9810\u7b97\u3001\u8a18\u5e33\u3001\u5206\u914d\u85aa\u8cc7\u4f7f\u7528\u7684\u65b9\u5f0f\u3002\u9019\u4e9b\u4e8b\u4f60\u90fd\u505a\u4e86\uff01\u4f46\u70ba\u4ec0\u9ebc\u7e3d\u662f\u50cf\u500b\u60e1\u6027\u5faa\u74b0\uff0c\u904e\u4e0d\u4e45\u53c8\u56de\u5230\u539f\u9ede\uff1f<\/p>\n<p>\u7a76\u7adf\u70ba\u4ec0\u9ebc\u6211\u5011\u7e3d\u662f\u82b1\u592a\u591a\u9322\u5462\uff1f\u7814\u7a76\u8005\u767c\u73fe\u4eba\u5011\u4e0d\u65b7\u8d85\u652f\u5176\u5be6\u8207<span style=\"color: #800000;\"><strong>\u5fc3\u7406\u885d\u52d5<\/strong><\/span>\u548c<strong>\u76f2\u9ede<\/strong>\u6709\u5f88\u5927\u7684\u95dc\u4fc2\uff01<\/p>\n<p>\u7814\u7a76\u8005\u767c\u73fe\u6211\u5011\u6700\u5e38\u72af\u7684\u4e09\u500b\u932f\u8aa4\u3002<\/p>\n<p>\u4e00\u662f<span style=\"color: #800000;\"><strong>\u8a08\u7b97\u652f\u51fa<\/strong><\/span>\uff0c\u6211\u5011\u5f88\u6703\u9810\u4f30\u672a\u4f86\u6536\u5165\uff0c\u4f46\u537b\u5f88\u4e0d\u6703\u9810\u4f30\u672a\u4f86\u652f\u51fa\uff0c\u9019\u6703\u8b93\u6211\u5011\u8a2d\u5b9a\u51fa\u5f88\u4e0d\u5207\u5be6\u969b\u7684\u9810\u7b97\u3002<\/p>\n<p>\u4e8c\u662f<span style=\"color: #800000;\"><strong>\u610f\u5fd7\u529b<\/strong><\/span>\uff0c\u4eba\u5011\u600e\u9ebc\u770b\u5f85\u81ea\u5df1\u7684\u610f\u5fd7\u529b\u4e5f\u6703\u5f71\u97ff\u7406\u8ca1\uff0c\u5982\u679c\u6211\u5011\u628a\u610f\u5fd7\u529b\u60f3\u50cf\u6210\u6709\u9650\u8cc7\u6e90\uff0c\u90a3\u5c31\u5bb9\u6613\u89ba\u5f97\u8981\u5b9a\u671f\u7292\u8cde\u81ea\u5df1\uff0c\u5f88\u885d\u52d5\u5730\u82b1\u4e00\u5927\u7b46\u9322\uff0c\u6700\u5f8c\u529f\u8667\u4e00\u7c23\u3002<\/p>\n<p>\u4e09\u662f<span style=\"color: #800000;\"><strong>\u6301\u6709\u5b58\u6b3e<\/strong><\/span>\uff0c\u6709\u6642\u5019\u6211\u5011\u592a\u770b\u91cd\u8ca1\u52d9\u8cac\u4efb\u9019\u4ef6\u4e8b\u4e86\uff01\u6709\u4e9b\u4eba\u70ba\u4e86\u8b93\u81ea\u5df1\u7dad\u6301\u4e00\u7b46\u5b58\u6b3e\uff0c\u53cd\u800c\u5bb9\u6613\u505a\u51fa\u4e00\u4e9b\u82b1\u66f4\u591a\u9322\u7684\u6c7a\u7b56\uff0c\u8b6c\u5982\u70ba\u4e86\u4e0d\u8981\u82b1\u6389\u5b58\u6b3e\u800c\u53bb\u9280\u884c\u8cb8\u6b3e\u3002<\/p>\n<p><span style=\"color: #800000;\"><strong>\u6211\u5011\u73fe\u5728\u7528\u79d1\u5b78\u89c0\u9ede\u4f86\u5206\u6790\u4eba\u985e\u7684\u7406\u8ca1\u884c\u70ba\uff0c\u770b\u770b\u79d1\u5b78\u5bb6\u600e\u9ebc\u5e36\u6211\u5011\u7a81\u7834\u76f2\u9ede\uff01<\/strong><\/span><\/p>\n<h2><strong>\u8acb\u52ff\u81ea\u52d5\u5ffd\u7565\u672a\u4f86\u652f\u51fa<\/strong><\/h2>\n<p>\u4e00\u500b\u6210\u529f\u7684\u7406\u8ca1\u8a08\u5283\uff0c\u5f88\u91cd\u8981\u7684\u4e00\u74b0\u5c31\u662f\u9810\u4f30\u672a\u4f86\u6536\u5165\u548c\u652f\u51fa\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u6211\u5011\u90fd\u77e5\u9053\u6536\u5165\u4e00\u5b9a\u8981\u6bd4\u652f\u51fa\u9084\u591a\uff0c\u4f46\u662f\u6211\u5011\u7684\u610f\u5fd7\u53c8\u5e38\u5e38\u4e82\u5165\uff0c\u6417\u4e82\u9019\u500b\u898f\u5247\u3002<\/p>\n<p><span style=\"color: #800000;\"><strong>\u554f\u984c\u5728\u65bc\u4eba\u5011\u8d85\u7d1a\u4e0d\u64c5\u9577\u9810\u4f30\u672a\u4f86\u652f\u51fa\uff01<\/strong><\/span>2008 \u5e74\u300a\u7d44\u7e54\u884c\u70ba\u5b78\u548c\u4eba\u985e\u6c7a\u7b56\u904e\u7a0b\u300b\u671f\u520a\u7684\u7814\u7a76\u6307\u51fa\uff0c\u7121\u8ad6\u662f\u731c\u6e2c\u6d74\u7f38\u88e1\u6709\u591a\u5c11\u6c34\uff0c\u6216\u662f\u731c\u6e2c\u5927\u6c23\u88e1\u7684\u6eab\u5ba4\u6c23\u9ad4\u591a\u5be1\uff0c\u4e0d\u7ba1\u4f30\u8a08\u4ec0\u9ebc\u4e8b\u60c5\uff0c\u4eba\u985e\u90fd\u904b\u7528\u592a\u904e\u7c21\u55ae\u7684\u63a8\u8ad6\u6a21\u5f0f\uff0c\u800c\u4e14\u904e\u65bc\u5c08\u6ce8\u5728\u6d41\u5165\u91cf\u3002<\/p>\n<p>\u9019\u7a2e\u601d\u8003\u65b9\u5f0f\u5c0d\u65bc\u7406\u8ca1\u8a08\u756b\u6709\u5f88\u5927\u7684\u5f71\u97ff\u3002John Lynch \u662f\u7f8e\u570b\u79d1\u7f85\u62c9\u591a\u5927\u5b78\u6d88\u8cbb\u8005\u7406\u8ca1\u6c7a\u7b56\u7814\u7a76\u4e2d\u5fc3\u7684\u4e3b\u4efb\uff0c\u4ed6\u7684\u7814\u7a76\u767c\u73fe\u7576\u4eba\u5011\u5728\u8a2d\u8a08\u672a\u4f86\u7406\u8ca1\u898f\u5283\u6642\uff0c\u7e3d\u6703\u60f3\u8457\u672a\u4f86\u6536\u5165\u6709\u591a\u5c11\uff0c<span style=\"color: #800000;\"><strong>\u537b\u4e0d\u592a\u6703\u5c08\u6ce8\u5728\u672a\u4f86\u82b1\u8cbb\uff0c\u56e0\u6b64\u4ee5\u70ba\u81ea\u5df1\u652f\u4ed8\u5f97\u8d77\u4e00\u4e9b\u5be6\u969b\u4e0a\u4ed8\u4e0d\u51fa\u4f86\u7684\u984d\u5ea6\u3002<\/strong><\/span><\/p>\n<p>Lynch \u8aaa\uff1a\u300c\u4eba\u5011\u5c31\u662f\u56e0\u70ba\u9019\u6a23\uff0c\u624d\u6703\u53bb\u8cb7\u81ea\u5df1\u652f\u4ed8\u4e0d\u8d77\u7684\u623f\u5b50\u6216\u662f\u8eca\u5b50\u3002\u300d\u4ed6\u4e5f\u8aaa\uff1a<span style=\"color: #800000;\"><strong>\u300c\u4eba\u5011\u6703\u53bb\u4f30\u8a08\u81ea\u5df1\u672a\u4f86\u7684\u85aa\u8cc7\u6703\u6f32\u591a\u5c11\uff0c\u7406\u8ad6\u4e0a\u4e5f\u77e5\u9053\u81ea\u5df1\u672a\u4f86\u6703\u82b1\u66f4\u591a\u7684\u9322\u4f86\u652f\u4ed8\u4fdd\u96aa\u3001\u623f\u8cb8\u3001\u6c7d\u6cb9\u6216\u4fdd\u990a\u6c7d\u8eca\u7b49\u7b49\uff0c\u4f46\u9084\u662f\u6703\u5ffd\u7565\u9019\u4e9b\u82b1\u8cbb\u3002\u300d<\/strong><\/span>\u7b49\u7b49<\/p>\n<p>Lynch \u8209\u4f8b\uff0c\u5047\u8a2d\u6709\u4e00\u500b\u5c08\u696d\u4eba\u58eb\u6708\u85aa\u5927\u7d04\u53f0\u5e63 15 \u842c 4000 \u5143\uff0c\u5979\u4f4f\u5728\u4e00\u500b\u7f8e\u570b\u8f03\u5c0f\u57ce\u5e02\u7684\u4e00\u623f\u516c\u5bd3\uff0c\u6708\u79df\u5927\u7d04 3 \u842c 7000 \u5143\uff0c\u5169\u4eba\u5728\u9910\u5ef3\u5403\u665a\u9910\u7684\u82b1\u8cbb\u5927\u7d04 1800 \u5143\u3002\u9019\u4f4d\u5c08\u696d\u4eba\u58eb\u5f8c\u4f86\u5f97\u5230\u5728\u7d10\u7d04\u7684\u5de5\u4f5c\u6a5f\u6703\uff0c\u6708\u85aa\u662f 21 \u842c 8000 \u5143\uff0c\u5979\u4e5f\u77e5\u9053\u7d10\u7d04\u7684\u82b1\u8cbb\u6bd4\u73fe\u5728\u7684\u57ce\u5e02\u9084\u9ad8\uff0c\u7d10\u7d04\u7684\u5c0f\u516c\u5bd3\u6708\u79df\u5927\u7d04 9 \u842c 6000 \u5143\u3001\u5169\u4eba\u4efd\u665a\u9910\u5927\u7d04 2560 \u5143\u3002\u5be6\u969b\u4e0a\uff0c\u8a08\u7b97\u904e\u5f8c\u4f60\u6703\u767c\u73fe\u5728\u7d10\u7d04\u6703\u5269\u4e0b\u8f03\u5c11\u9918\u984d\u3002\u4f46\u5979\u9084\u662f\u89ba\u5f97\u81ea\u5df1\u5728\u7d10\u7d04\u5de5\u4f5c\u7684\u8a71\uff0c\u300c\u7406\u8ad6\u4e0a\u300d\u8ca1\u529b\u61c9\u8a72\u6703\u8b8a\u5f97\u66f4\u597d\uff0c\u56e0\u70ba\u5979\u8a08\u7b97\u6642\u628a\u589e\u52a0\u7684\u6536\u5165\u770b\u5f97\u6bd4\u589e\u52a0\u7684\u82b1\u8cbb\u9084\u8981\u91cd\u8981\uff01<\/p>\n<p>Lynch \u548c\u4ed6\u7684\u5718\u968a\u6df1\u5165\u7814\u7a76\u4e0a\u8ff0\u7a98\u5883\u7684\u89e3\u6c7a\u8fa6\u6cd5\uff0c\u4ed6\u89ba\u5f97\u6700\u91cd\u8981\u7684\u662f\u8981\u5217\u51fa\u6e05\u695a\u7684\u9810\u7b97\u3002\u7576\u6211\u5011\u7528\u300c\u5370\u8c61\u300d\u4f86\u770b\u81ea\u5df1\u7684\u6536\u5165\u548c\u652f\u51fa\u6642\uff0c\u4e00\u5b9a\u6703\u82b1\u592a\u591a\u9322\uff0c\u4f46\u5982\u679c\u4ed4\u7d30\u5217\u51fa\u8a73\u7d30\u7684\u9810\u7b97\uff0c\u6211\u5011\u624d\u6709\u53ef\u80fd\u6e1b\u5c11\u4e0d\u5fc5\u8981\u7684\u82b1\u8cbb\u3002<\/p>\n<h2><strong>\u5b58\u6b3e\u6703\u8b93\u4f60\u8ca0\u50b5<\/strong><\/h2>\n<p>\u4f60\u662f\u4e0d\u662f\u4e5f\u89ba\u5f97\u7406\u8ca1\u6700\u91cd\u8981\u7684\u76ee\u6a19\u5c31\u662f\u8981<strong>\u64c1\u6709\u4e00\u7b46\u5b58\u6b3e<\/strong>\uff1f\u9019\u662f\u500b\u4e0d\u932f\u7684\u76ee\u6a19\uff0c\u4f46\u6700\u8fd1\u6709\u7814\u7a76\u767c\u73fe\u53ef\u80fd\u6709\u53cd\u6548\u679c\u3002\u829d\u52a0\u54e5\u5e03\u65af\u5546\u5b78\u9662\u7684\u52a9\u7406\u6559\u6388 Abigail Sussman \u6709\u4e00\u500b\u7406\u8ad6\uff1a<span style=\"color: #800000;\"><strong>\u5b58\u9322\u8b93\u4eba\u5011\u89ba\u5f97\u81ea\u5df1\u5f88\u6709\u7406\u8ca1\u8cac\u4efb\u611f\u3002\u4f46\u662f\u60f3\u8981\u6709\u8cac\u4efb\u611f\u7684\u6b32\u671b\u53ef\u80fd\u6703\u672c\u672b\u5012\u7f6e\uff0c\u6709\u4e9b\u4eba\u6703\u70ba\u4e86\u4e0d\u8981\u82b1\u6389\u5b58\u6b3e\u800c\u53bb\u8cb8\u6b3e\uff0c\u5373\u4f7f\u8cb8\u6b3e\u7684\u5229\u7387\u751a\u81f3\u6bd4\u5b58\u6b3e\u9084\u9ad8\uff0c\u4e5f\u5be7\u9858\u8cb8\u6b3e\uff0c\u5c31\u662f\u70ba\u4e86\u5c0d\u81ea\u5df1\u66f4\u6709\u81ea\u4fe1\u3002<\/strong><\/span><\/p>\n<p>\u5728\u300a\u884c\u92b7\u8abf\u67e5\u300b\u671f\u520a\u88e1\u7684\u5be6\u9a57\u4e2d\uff0cSussman \u767c\u73fe\u5c31\u7b97\u4eba\u5011\u5f97\u5230 1\uff05\u7684\u5229\u606f\u6536\u5165\uff0c\u9084\u662f\u6703\u9858\u610f\u4ee5\u66f4\u9ad8\u7684\u5229\u606f\u501f\u9322\u3002\u5979\u8aaa\uff1a\u300c\u6211\u4e0d\u662f\u8981\u53eb\u5927\u5bb6\u4e0d\u8981\u5b58\u9322\u3002\u9023\u8cc7\u91d1\u6d41\u52d5\u6027\u9ad8\u7684\u4eba\u4e5f\u60f3\u5b58\u66f4\u591a\u9322\uff0c\u56e0\u70ba\u5b58\u6b3e\u8d8a\u591a\uff0c\u5c31\u89ba\u5f97\u81ea\u5df1\u8d8a\u8ca0\u8cac\u4efb\u3002\u300d<\/p>\n<p>Sussman \u8a8d\u70ba\u6d88\u8cbb\u8005\u61c9\u8a72\u8981\u91cd\u8996\u8f03\u9060\u7684\u76ee\u6a19\uff0c\u800c\u4e0d\u662f\u6b7b\u547d\u7dca\u76ef\u81ea\u5df1\u7684\u6bcf\u500b\u6c7a\u7b56\u3002\u6bd4\u5982\u8aaa\uff0c\u6709\u5805\u56fa\u73fe\u91d1\u5b89\u5168\u7db2\u7684\u4eba\uff0c\u7406\u8ca1\u8a08\u5283\u88e1\u61c9\u8a72\u6709\u4e00\u4e9b\u61c9\u6025\u7684\u7b56\u7565\uff0c\u5141\u8a31\u81ea\u5df1\u82b1\u4e00\u4e9b\u5b58\u6b3e\uff0c\u624d\u80fd\u907f\u514d\u81ea\u5df1\u8cb8\u6b3e\u8ca0\u50b5\u3002<\/p>\n<p>Sussman \u8aaa\uff1a\u300c\u6211\u5011\u8a72\u5b78\u8457\u600e\u9ebc\u8cbc\u5fc3\u5730\u63a7\u5236\u82b1\u8cbb\u3001\u7ba1\u7406\u8ca1\u6e90\u548c\u652f\u51fa\uff0c\u800c\u4e0d\u662f\u4efb\u4f55\u9762\u5411\u90fd\u6309\u7167\u4e00\u500b\u6b7b\u7684\u898f\u5b9a\u3002\u300d<\/p>\n<h2><strong>\u4e0d\u8981\u518d\u7292\u8cde\u81ea\u5df1\u4e86<\/strong><\/h2>\n<p>\u5f88\u591a\u4eba\u4e82\u82b1\u9322\u662f\u56e0\u70ba\u4ed6\u5011\u770b\u5f85\u300c\u610f\u5fd7\u529b\u300d\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u7814\u7a76\u767c\u73fe\u6709\u4e9b\u4eba\u628a\u610f\u5fd7\u529b\u770b\u6210\u662f\u6709\u9650\u8cc7\u6e90\uff0c\u5f88\u5feb\u5c31\u6703\u8017\u76e1\uff0c\u9019\u7a2e\u4eba\u5c31\u6703\u5e38\u5e38\u89ba\u5f97\u81ea\u5df1\u5f88\u52aa\u529b\u4e86\u3001\u4e26\u7292\u8cde\u81ea\u5df1\u3002\u6709\u4e9b\u4eba\u5247\u662f\u628a\u610f\u5fd7\u529b\u7576\u6210\u7121\u9650\u7684\u3001\u7528\u4e0d\u5b8c\u7684\u8cc7\u6e90\uff0c\u9019\u7a2e\u4eba\u89ba\u5f97\u6c92\u5fc5\u8981\u9f13\u52f5\u81ea\u5df1\u3002<\/p>\n<p>\u53f2\u4e39\u4f5b\u5927\u5b78\u548c\u8607\u9ece\u4e16\u5927\u5b78\u505a\u7684\u4e00\u500b\u5fc3\u7406\u5be6\u9a57\uff0c\u8abf\u67e5\u4e86 176 \u4f4d\u53f2\u4e39\u4f5b\u5927\u5b78\u751f\uff0c\u4e26\u628a\u4ed6\u5011\u5206\u6210\u5169\u7d44\uff1a\u6709\u9650\u610f\u5fd7\u529b\u7d44\u548c\u7121\u9650\u610f\u5fd7\u529b\u7d44\uff0c\u7b2c\u4e00\u7a2e\u4eba\uff08\u89ba\u5f97\u610f\u5fd7\u529b\u6709\u9650\u7684\uff09\u7292\u8cde\u81ea\u5df1\u7684\u65b9\u5f0f\u901a\u5e38\u90fd\u4e0d\u592a\u5065\u5eb7\uff0c\u8b6c\u5982\u8aaa\u66b4\u98df\u5783\u573e\u98df\u7269\u3001\u523b\u610f\u62d6\u5ef6\u6642\u9593\u6216\u662f\u6063\u610f\u6492\u9322\u6d88\u8cbb\uff0c\u8abf\u67e5\u767c\u73fe\u5728\u58d3\u529b\u5927\u7684\u6642\u5019\uff0c\u6709\u9650\u610f\u5fd7\u529b\u7d44\u7684\u5b78\u751f\u8868\u73fe\u66f4\u591a\u885d\u52d5\u884c\u70ba\uff0c\u5305\u62ec\u904e\u5ea6\u6d88\u8cbb\u3002<\/p>\n<p>\u8607\u5927\u7684 Veronika Job \u662f\u5be6\u9a57\u64cd\u4f5c\u8005\u4e4b\u4e00\uff0c\u5979\u8a8d\u70ba\u6539\u8b8a\u4e00\u500b\u4eba\u5c0d\u610f\u5fd7\u529b\u7684\u770b\u6cd5\uff0c\u53ef\u80fd\u8981\u82b1\u5f88\u9577\u6642\u9593\u3002\u5979\u547c\u7c72\u7d93\u5e38\u885d\u52d5\u7292\u8cde\u81ea\u5df1\u7684\u4eba\uff0c\u77ed\u671f\u5167\u53ef\u4ee5\u53e6\u5c0b\u65b9\u6cd5\u4f86\u653e\u9b06\uff0c\u8b6c\u5982\u8aaa\u904b\u52d5\u3001\u7f6e\u8eab\u5927\u81ea\u7136\u6216\u662f\u51a5\u60f3\u3002\u5979\u4e5f\u5efa\u8b70\u9019\u4e9b\u4eba\u76e1\u91cf\u4e0d\u8981\u8b93\u81ea\u5df1\u8eab\u8655\u65bc\u6703\u5931\u63a7\u7684\u74b0\u5883\u4e2d\uff0c\u5979\u8aaa\uff1a\u300c\u5982\u679c\u4f60\u77e5\u9053\u4f60\u4eca\u5929\u58d3\u529b\u5927\u3001\u53ef\u80fd\u6703\u53bb\u760b\u72c2\u6d88\u8cbb\uff0c\u90a3\u5c31\u4e0d\u8981\u53bb\u4efb\u4f55\u6709\u5546\u5e97\u7684\u5730\u65b9\u3002\u300d<\/p>\n<h2><strong>\u8acb\u7b49\u5fc3\u60c5\u597d\u6642\u518d\u7406\u8ca1<\/strong><\/h2>\n<p>\u6709\u4e9b\u5be6\u9a57\u958b\u59cb\u63a2\u7d22<strong><span style=\"color: #ff6600;\">\u7406\u8ca1\u7fd2\u6163\u548c\u5fc3\u60c5\u4e4b\u9593\u7684\u95dc\u806f<\/span><\/strong>\u3002\u4eba\u5011\u5fc3\u60c5\u597d\u3001\u5c31\u6703\u6709\u7406\u8ca1\u597d\u7fd2\u6163\uff0c\u5fc3\u60c5\u4e0d\u597d\u5c31\u6703\u6709\u58de\u7fd2\u6163\u3002\u6211\u5011\u5e38\u8aaa\uff1a\u300c\u91d1\u9322\u8cb7\u4e0d\u5230\u5feb\u6a02\u300d\uff0c\u4f46\u662f\u5feb\u6a02\u4f3c\u4e4e\u53ef\u4ee5\u8cb7\u5230\u91d1\u9322\uff01<\/p>\n<p>\u300a\u7d93\u6fdf\u5fc3\u7406\u5b78\u300b\u671f\u520a\u6240\u516c\u5e03\u7684\u5be6\u9a57\u91dd\u5c0d 4500 \u540d\u8377\u862d\u6d88\u8cbb\u8005\uff0c\u4ed6\u5011\u767c\u73fe\u4e0d\u5feb\u6a02\u7684\u4eba\u5b58\u8f03\u5c11\u9322\u53c8\u82b1\u66f4\u591a\u9322\uff0c\u4ed6\u5011\u9810\u77e5\u672a\u4f86\u6709\u66f4\u9ad8\u7684\u901a\u81a8\u3002\u5feb\u6a02\u7684\u4eba\u525b\u597d\u76f8\u53cd\uff0c\u4ed6\u5011\u6bd4\u8f03\u6703\u5c55\u671b\u672a\u4f86\u4e5f\u8ffd\u6c42\u5c0d\u81ea\u5df1\u672a\u4f86\u6709\u5229\u7684\u76ee\u6a19\u3002\u4ed6\u5011\u76f8\u4fe1\u4ee5\u5f8c\u7684\u901a\u81a8\u8f03\u5c0f\uff0c\u63a8\u6e2c\u4ee5\u5f8c\u50f9\u683c\u66f4\u4fbf\u5b9c\uff0c\u6240\u4ee5\u7576\u4e0b\u5b58\u66f4\u591a\u9322\u3001\u82b1\u66f4\u5c11\u9322\u3002<\/p>\n<p>\u6fb3\u6d32\u8fea\u80af\u5927\u5b78\u7684\u8cc7\u6df1\u7d93\u6fdf\u5b78\u8b1b\u5e2b Cahit Guven \u662f\u8a72\u5be6\u9a57\u7684\u4e3b\u5c0e\u4eba\uff0c\u4ed6\u5efa\u8b70\u6211\u5011\u7b49\u5230\u5fc3\u60c5\u597d\u4e00\u9ede\u6642\u5728\u505a\u4efb\u4f55\u7406\u8ca1\u6c7a\u7b56\u3002\u4f60\u53ef\u80fd\u89ba\u5f97\u5f88\u96e3\u5224\u65b7\u81ea\u5df1\u7576\u4e0b\u662f\u5426\u9069\u5408\u6c7a\u5b9a\uff0c\u4f46 Guven \u5f9e\u5be6\u9a57\u4e2d\u767c\u73fe\u4eba\u5011\u662f\u6709\u80fd\u529b\u81ea\u884c\u5224\u65b7\u7684\u3002\u4ed6\u4e5f\u8a8d\u70ba\u5927\u5bb6\u53ef\u4ee5\u770b\u4e00\u4e0b\u81ea\u5df1\u7684\u7406\u8ca1\u8a08\u5283\u662f\u5426\u592a\u805a\u7126\u65bc\u77ed\u671f\uff0c\u4e5f\u53ef\u4ee5\u627e\u500b\u4eba\u4e00\u8d77\u8a08\u756b\u3002<\/p>\n<h2><strong>\u623f\u7522\u6f32\u50f9\u2260\u9322\u5305<\/strong><b>\u5403\u98fd<\/b><\/h2>\n<p>\u6700\u5f8c\u4e00\u9ede\uff0c\u662f\u4eba\u5011\u5c0d\u65bc\u623f\u5c4b\u7684\u76f2\u9ede\u3002<span style=\"color: #800000;\"><strong>\u8a31\u591a\u4eba\u6703\u5728\u623f\u5c4b\u50f9\u503c\u4e0a\u6f32\u7684\u6642\u5019\uff0c\u82b1\u6bd4\u8f03\u591a\u9322\uff0c\u4f46\u662f\u5176\u5be6\u8cc7\u7522\u50f9\u503c\u4e0a\u5347\uff0c\u4e0d\u4e00\u5b9a\u6703\u8b93\u5c4b\u4e3b\u672a\u4f86\u7684\u6536\u5165\u589e\u52a0\u3002<\/strong><\/span>\u6839\u64da 2013 \u5e74\u7684\u7814\u7a76\uff0c\u5176\u5be6\u4e00\u500b\u623f\u5b50\u7684\u5e02\u5834\u50f9\u503c\u6bcf\u4e0a\u5347 1 \u7f8e\u5143\uff0c\u90e8\u5206\u5bb6\u6236\u82b1\u8cbb\u5c31\u6703\u5f9e 6 \u5206\u7f8e\u5143\u589e\u52a0\u5230 18 \u5206\u3002<\/p>\n<p>\u9019\u7a2e\u60c5\u6cc1\u6709\u5e7e\u500b\u89e3\u91cb\u3002\u9996\u5148\uff0c\u5c08\u5bb6\u8a8d\u70ba\u7576\u623f\u5c4b\u8d8a\u503c\u9322\u6642\uff0c\u5927\u5bb6\u5c31\u6703\u89ba\u5f97\u81ea\u5df1\u6709\u66f4\u591a\u9322\u53ef\u4ee5\u82b1\u3002\u7b2c\u4e8c\u662f\u7576\u623f\u5c4b\u8d8a\u503c\u9322\u6642\uff0c\u5c4b\u4e3b\u5c31\u80fd\u900f\u904e\u62b5\u62bc\u4f86\u501f\u66f4\u591a\u9322\u3002<\/p>\n<p>Daniel Cooper \u662f\u6ce2\u58eb\u9813\u806f\u90a6\u6e96\u5099\u9280\u884c\u7684\u8cc7\u6df1\u7d93\u6fdf\u5b78\u5bb6\uff0c\u4ed6\u5728 2013 \u5e74\u6e2c\u91cf\u6d88\u8cbb\u548c\u623f\u7522\u8ca1\u5bcc\u7684\u95dc\u4fc2\uff0c\u4ed6\u805a\u7126\u5728\u623f\u7522\u8ca1\u5bcc\u6ce2\u52d5\u5982\u4f55\u5f71\u97ff\u623f\u7522\u6240\u6709\u4eba\u7684\u8cb8\u6b3e\u80fd\u529b\u3002\u8f03\u9ad8\u7684\u623f\u7522\u50f9\u503c\u8b93\u9700\u8981\u4fe1\u7528\u7684\u4eba\u3002\u900f\u904e\u623f\u5c4b\u62b5\u62bc\u4f86\u8cb8\u6b3e\u3002<\/p>\n<p>Cooper \u8aaa\uff1a\u300c\u5927\u5bb6\u767c\u73fe\u623f\u7522\u50f9\u503c\u4e0a\u5347\u6642\u90fd\u6703\u5f88\u8208\u596e\uff0c\u611f\u89ba\u597d\u50cf\u81ea\u5df1\u66f4\u6709\u9322\u4e86\u3002\u4f46\u662f\u4f60\u4e00\u5b9a\u8981\u505c\u4e0b\u4f86\u60f3\u4e00\u4e0b\uff0c\u9019\u662f\u771f\u7684\u55ce\uff1f\u300d\u4ed6\u89e3\u91cb\uff0c\u5982\u679c\u4f60\u60f3\u628a\u4e0a\u5347\u7684\u623f\u7522\u50f9\u503c\u8b8a\u6210\u771f\u7684\u8ca1\u5bcc\uff0c\u90a3\u4f60\u5fc5\u9808\u628a\u623f\u5b50\u8ce3\u6389\u3002<\/p>\n<p>\u4e00\u822c\u4f86\u8aaa\uff0cCooper \u8aaa\uff1a\u300c\u5982\u679c\u4f60\u628a\u623f\u5c4b\u7522\u6b0a\u7684\u4fe1\u7528\u7528\u5230\u6975\u81f4\uff0c\u4f46\u623f\u5c4b\u7522\u503c\u6539\u8b8a\u4e86\uff0c\u90a3\u4f60\u516b\u6210\u6703\u9762\u81e8\u7d93\u6fdf\u4e0a\u7684\u56f0\u96e3\u3002\u300d\u4ed6\u8a8d\u70ba\u4eba\u5011\u61c9\u8a72\u907f\u514d\u628a\u623f\u5c4b\u7576\u4f5c\u662f\u6295\u8cc7\uff0c\u800c\u662f\u4e00\u500b\u4f4f\u6240\uff0c\u800c\u4e14\u6211\u5011\u4e0d\u8a72\u628a\u623f\u5c4b\u7576\u4f5c\u501f\u9322\u7684\u5de5\u5177\u3002<\/p>\n<p>\uff08\u8cc7\u6599\u4f86\u6e90\uff1a<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"\/\/www.wsj.com\/articles\/the-hidden-reasons-people-spend-too-much-1446433200?reflink=line\" target=\"_blank\" rel=\"noopener noreferrer\">Wall Street Journal<\/a><\/span>\uff0c\u5716\u7247\u4f86\u6e90\uff1a<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"\/\/taxcredits.net\" target=\"_blank\" rel=\"noopener noreferrer\">Tax Credits<\/a>\u00a0<\/span>\uff09<\/p>\n<h2>\u63a8\u85a6\u95b1\u8b80<\/h2>\n<p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"\/\/buzzorange.com\/2015\/08\/27\/consumerism-will-ruincivilized-community\/\">\u8cc7\u672c\u5bb6\u4e0d\u6703\u544a\u8a34\u4f60\u7684\u79d8\u5bc6\uff1a\u6beb\u7121\u7bc0\u5236\u7684\u300c\u6d88\u8cbb\u4e3b\u7fa9\u300d\uff0c\u6b63\u5728\u62d6\u57ae\u4eba\u985e\u6587\u660e<\/a><\/span><\/p>\n<p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"\/\/buzzorange.com\/2015\/09\/22\/finnish-culture\/\">\u771f\u7684\u6709\u4e0d\u5ba2\u8a34\u3001\u4e0d\u6bba\u50f9\u3001\u4e0d\u812b\u5e8f\u7684\u6587\u5316\uff1f\u82ac\u862d\u8b93\u6211\u5011\u770b\u898b\u300c\u7406\u6027\u6d88\u8cbb\u300d\u7684\u53ef\u80fd<\/a><\/span><\/p>\n<p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"\/\/buzzorange.com\/2015\/09\/10\/germany-vs-taiwan-retire\/\">\u5f9e\u5fb7\u570b\u4eba\u7684\u7406\u8ca1\u7fd2\u6163\u4f86\u770b\uff1a\u53f0\u7063\u4eba\u7684\u9000\u4f11\u8a08\u756b\u5176\u5be6\u4fdd\u5b88\u5230\u8352\u5510<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u539f\u6587\u4f5c\u8005\uff0fCharlie Wells\uff1b\u83ef\u76db\u9813\u90f5\u5831\u65b0\u805e\u7de8\u8f2f \u7de8\u8b6f\uff0f\u8607\u5955\u83f2 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