{"id":3911,"date":"2019-09-15T20:53:23","date_gmt":"2019-09-15T12:53:23","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=3911"},"modified":"2019-09-15T20:53:23","modified_gmt":"2019-09-15T12:53:23","slug":"%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a115-financial-literacy-%e7%90%86%e8%b2%a1%e7%9f%a5%e8%ad%98","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2019\/09\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a115-financial-literacy-%e7%90%86%e8%b2%a1%e7%9f%a5%e8%ad%98\/","title":{"rendered":"\u9000\u4f11\u7406\u8ca1#15-Financial Literacy \u7406\u8ca1\u77e5\u8b58"},"content":{"rendered":"<h2><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">\u9000\u4f11\u7406\u8ca1#15-Financial Literacy \u7406\u8ca1\u77e5\u8b58<\/span><\/strong><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">Literacy\u662f\u6307\u4eba\u5011\u8b80\u66f8\u8b58\u5b57\u7684\u80fd\u529b\uff0c\u662f\u77e5\u8b58\u6c34\u5e73\u7684\u9ad4\u73fe\uff0c\u4ea6\u662f\u793e\u6703\u7684\u91cd\u8981\u5143\u7d20\uff08<a href=\"https:\/\/www.mpfdiy.com\/2019\/06\/%e8%87%aa%e7%94%b1%e8%88%87%e4%ba%ba%e6%ac%8a%e7%9a%84etf\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u898b\u6b64<\/a>\uff09\u3002\u9999\u6e2f\u53ca\u5176\u4ed6\u73fe\u4ee3\u653f\u5e9c\u7684\u514d\u8cbb\u6559\u80b2\uff0c\u5c31\u662f\u8981\u63d0\u5347\u6c11\u773e\u7684Literacy\u8b80\u66f8\u8b58\u5b57\u80fd\u529b\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5230\u4e862019\u5e74\uff0c\u9999\u6e2f\u7684\u514d\u8cbb\u6559\u80b2\u5df2\u7d93\u8fa6\u4e86\u5e7e\u5341\u5e74\uff0c\u4e0d\u8b58\u5b57\u7684\u4e00\u4ee3\u5df2\u7d93\u6240\u9918\u7121\u5e7e\u3002\u5c31\u9023\u96fb\u8166\u96fb\u8a71\u7684\u61c9\u7528\u90fd\u5df2\u7d93\u5168\u6c11\u7686\u66c9\uff0c\u5f7c\u6b64\u6e9d\u901a\u4e2d\u7121\u8ad6\u8a9e\u8a00\u6587\u5b57\u5716\u7247\u5f71\u50cf\u7684\u4f7f\u7528\u5df2\u7d93\u7121\u554f\u984c\uff0c\u4e0d\u6703\u50cf\u5e7e\u5341\u5e74\u524d\u4f9d\u9760\u4ed6\u4eba\u5beb\u4fe1\u8b80\u4fe1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u90a3\u9ebc\u73fe\u4ee3\u4eba\u5c0d\u65bcFinancial Literacy\u7406\u8ca1\u77e5\u8b58\uff0c\u53c8\u662f\u5426\u80fd\u5920\u9054\u5230\u4e0d\u6703\u518d\u4f9d\u9760\u4ed6\u4eba\u7684\u6c34\u5e73\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5148\u6e2c\u8a66\u4e00\u4e0b\u5927\u5bb6\uff0c<\/span><span style=\"font-size: 14pt;\">\u4ee5\u4e0b\u662f\u7f8e\u570b\u7684\u4e00\u500b\u6295\u8cc7\u8005\u6559\u80b2\u5354\u6703\u6240\u7528\u7684Financial Literacy\u6e2c\u8a66\u5de5\u5177\uff0c\u5927\u5bb6\u56de\u7b54\u5e7e\u689d\u554f\u984c\uff0c\u7136\u5f8c\u770b\u770b\u5206\u6578\uff0c\u8207\u7f8e\u570b\u5404\u5730\u7684\u4eba\u4f5c\u4e00\u4e0bFinancial Literacy\u6bd4\u8f03\uff1a<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/www.usfinancialcapability.org\/quiz.php\" target=\"_blank\" rel=\"noopener noreferrer\">http:\/\/www.usfinancialcapability.org\/quiz.php<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u4f55\u8b02Financial Literacy\u7406\u8ca1\u77e5\u8b58\uff1f<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">Financial Literacy\u662f\u77e5\u8b58\u53ca\u6280\u5de7\u7684\u7d50\u5408\uff0c\u4f7f\u81ea\u5df1\u80fd\u5920\u6709\u6548\u7ba1\u7406\u81ea\u5df1\u7684\u8ca1\u52d9\uff0c\u81ea\u7d66\u81ea\u8db3\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6d89\u53ca\u7684\u7bc4\u570d\u5305\u62ec\uff1a<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-size: 14pt;\">\u9280\u884c<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u73fe\u91d1\u6d41\u9810\u7b97<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u7ba1\u7406\u4fe1\u7528\uff08credit\uff09\u53ca\u50b5\u52d9\uff08debt\uff09<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u907f\u958b\u8a50\u9a19\u53ca\u525d\u524a<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u5236\u5b9a\u5132\u84c4\u76ee\u6a19<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u9577\u671f\u9000\u4f11\u8a08\u5283<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u6295\u8cc7<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u907a\u7522\u5b89\u6392<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5728Financial Literacy\u7684\u89d2\u5ea6\uff0c\u662f\u8981\u5927\u5bb6\u5c31\u4e0a\u8ff0\u7bc4\u570d\u6709\u57fa\u672c\u8a8d\u8b58\uff0c\u4f8b\u5982\u4ee5\u70ba\u501f\u9322\u662f\u798f\u5229\uff0c\u9000\u4f11\u4e00\u5b9a\u6709\u653f\u5e9c\u990a\u3002DIY\u662fFinancial Literacy\u7684\u8981\u6c42\uff0c\u5176\u4ed6\u4eba\u7684\u610f\u898b\u662f\u8981\u807d\uff0c\u4f46\u6700\u7d42\u662f\u8981\u81ea\u5df1\u6c7a\u5b9a\uff0c\u81ea\u5df1\u8ca0\u8cac\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/span><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u5982\u4f55\u589e\u9032Financial Literacy\u7406\u8ca1\u77e5\u8b58\uff1f<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">1.\u8a8d\u8b58\u81ea\u5df1<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u300c\u8a8d\u8b58\u81ea\u5df1\u300d\u662f\u6240\u6709\u4eba\u81ea\u5df1\u4e00\u751f\u7684\u529f\u8ab2\u3002\u91d1\u878d\u670d\u52d9\u696d\u6709\u300c\u8a8d\u8b58\u4f60\u7684\u5ba2\u6236\u300d\uff0c\u5176\u8a8d\u8b58\u904e\u7a0b\u5176\u5be6\u662f\u5e6b\u52a9\u5ba2\u6236\u8a8d\u8b58\u81ea\u5df1\u3002\u6642\u9593\u3001\u76ee\u6a19\u3001\u500b\u4eba\u50f9\u503c\u3001<a href=\"https:\/\/www.mpfdiy.com\/2016\/11\/%e8%a1%a1%e9%87%8f%e8%87%aa%e5%b7%b1%e5%8f%af%e4%bb%a5%e6%89%bf%e5%8f%97%e7%9a%84%e9%a2%a8%e9%9a%aa\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u53ef\u627f\u53d7\u7684\u98a8\u96aa<\/a>\u53ca\u500b\u4eba\u4fe1\u8cb8\u80fd\u529b\u7b49\u7b49\uff0c\u662f\u5fc5\u8981\u7684\u6aa2\u8a0e\u65b9\u5411\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u9999\u6e2f\u5b98\u65b9\u6295\u8cc7\u8005\u6559\u80b2\u7db2\u7ad9<strong>\u9322\u5bb6\u6709\u9053<\/strong>\u6709\u4e00\u7cfb\u5217\u7684\u6aa2\u8a0e\u5de5\u5177\uff08<a href=\"https:\/\/www.thechinfamily.hk\/web\/tc\/tools-and-resources\/calculators\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">\u898b\u6b64<\/a>\uff09\uff0c\u4ea6\u53ef<a href=\"http:\/\/pfp.missouri.edu\/research_IRTA.html\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"broken_link\">\u6309\u6b64<\/a>\u5916\u570b\u5927\u5b78\u7db2\u7ad9\u67e5\u4e00\u67e5\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">2. \u5438\u6536\u77e5\u8b58<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u300c\u8a8d\u8b58\u81ea\u5df1\u300d\u662f\u7531\u5167\u5411\u5916\u8868\u73fe\u51fa\u4f86\uff0c\u300c\u5438\u6536\u77e5\u8b58\u300d\u662f\u7531\u5916\u5411\u5167\u6536\u7d0d\u9032\u53bb\u3002\u300c\u5438\u6536\u77e5\u8b58\u300d\u4e0d\u5916\u4e4e\u662f\u900f\u904e\u6587\u5b57\u3001\u8a9e\u8a00\u53ca\u7d93\u9a57\uff0c\u65b9\u6cd5\u5c31\u662f\u95b1\u8b80\uff08\u7a4d\u91d1\u5927\u53cd\u64ca\u3001MPFDIY.com\u4e4b\u985e\uff09\u3001\u8996\u8c61\uff08youtube\u3001\u7db2\u4e0a\u8ab2\u7a0b\u4e4b\u985e\uff09<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u7d93\u9a57\u5c31\u662fDIY\u7684\u7cbe\u9ad3\uff0c\u6b63\u5982\u5f37\u7a4d\u91d1\u90fd\u8981\u81ea\u5df1\u627e\u51fa\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u7b56\u7565\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4ee5\u4e0b\u6709\u4e00\u514d\u8cbb\u5916\u570b\u5927\u5b78\u7684\u500b\u4eba\u8ca1\u52d9\u6559\u80b2\u7d66\u5927\u5bb6\u53c3\u8003\uff1a<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"https:\/\/personalfinance.byu.edu\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/personalfinance.byu.edu\/<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">3. \u7ba1\u7406\u6301\u5206\u8005<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">Financial Literacy\u7406\u8ca1\u77e5\u8b58\u6de8\u4fc2\u5f97\u81ea\u5df1\u8b58\u662f\u4e0d\u8db3\u5920\uff0c\u4f34\u4fb6\u5bb6\u4eba\u670b\u53cb\u90fd\u662f\u81ea\u5df1\u500b\u4eba\u8ca1\u52d9\u7684\u6301\u5206\u8005\u3002\u81ea\u5df1\u9ad8\u85aa\u539a\u8077\u4f46\u6301\u5206\u8005\u6557\u5149\u4f60\u7684\u8eab\u5bb6\uff0c\u662f\u65e5\u5149\u5e95\u4e0b\u5929\u5929\u767c\u751f\u7684\u4e8b\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u898b\u4e0b\u5217\u95dc\u65bc\u4f34\u4fb6\u4e8c\u4eba\u7684\u7406\u8ca1\u6587\u7ae0\uff1a<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.mpfdiy.com\/2019\/02\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a1%e7%a6%81%e5%8d%802-%e7%aa%ae%e5%be%97%e5%8f%aa%e5%89%a9%e4%b8%8b%e9%8c%a2\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9000\u4f11\u7406\u8ca1\u7981\u5340#2 \u2013 \u7aae\u5f97\u53ea\u5269\u4e0b\u9322<\/a><\/span><\/li>\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.mpfdiy.com\/2019\/02\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a1%e7%a6%81%e5%8d%803-%e5%90%84%e8%87%aa%e4%bf%ae%e8%a1%8c\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9000\u4f11\u7406\u8ca1\u7981\u5340#3 \u2013 \u5404\u81ea\u4fee\u884c<\/a><\/span><\/li>\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.mpfdiy.com\/2019\/03\/\u7537\u4e3b\u5916\u3001\u5973\u4e3b\u5167\uff1f\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u7537\u4e3b\u5916\u3001\u5973\u4e3b\u5167\uff1f<\/a><\/span><\/li>\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.mpfdiy.com\/2019\/04\/\u5973\u6027\u6295\u8cc7\u8005\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5973\u6027\u6295\u8cc7\u8005<\/a><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u53e6\u5916\u8fd1\u5e74\u4ea6\u51fa\u73fe\u5c0f\u670b\u53cb\u7406\u8ca1\u6559\u80b2\uff0c\u7b46\u8005\u5e0c\u671b\u5927\u5bb6\u4e0d\u8981\u5949\u884c\u4eba\u529b\u8cb7\u8ce3\uff0c\u4f8b\u5982\u4e0d\u8981\u57f7\u67b1\u4e00\u6b21\u8cfa\u4e00\u868a\uff0c\u8003\u7b2c\u4e00\u5c31\u8cfa\u53d6\u65e5\u672c\u65c5\u884c\u7b49\u7b49\u3002\u5c0f\u670b\u53cb\u662f\u8981\u5b78\u61c2<strong>\u8cac\u4efb\u53ca\u81ea\u7406<\/strong>\uff0c\u800c\u4e0d\u662f<strong>\u529f\u5229\u53ca\u4ea4\u6613<\/strong>\u3002\u4eba\u751f\u5982\u679c\u53ea\u6709\u8a08\u8f03\u53ca\u5229\u76ca\uff0c\u4fbf\u6703\u4ee5\u70ba\u5168\u4e16\u754c\u516c\u6c11\u793e\u6703\u7684\u50f9\u503c\u5c31\u53ea\u662f\u86c7\u9f4b\u9905\u7cbd\uff0c\u8996\u4eba\u502b\u9053\u5fb7\u662f\u8ca9\u8ce3\u4ea4\u6613\u7684\u5de5\u5177\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">4. \u7ba1\u7406\u4fe1\u7528\u53ca\u50b5\u52d9<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><span style=\"color: #04b2f2;\">\u4fe1\u7528<\/span>\u6307\u53ef\u4ee5\u554f\u5176\u4ed6\u4eba\u501f\u5e7e\u591a\u9322\uff1b<span style=\"color: #04b2f2;\">\u50b5\u52d9<\/span>\u6307\u8981\u5411\u5176\u4ed6\u4eba\u9084\u5e7e\u591a\u9322\u3002\u524d\u8005\u7576\u7136\u6108\u591a\u6108\u597d\uff0c\u5f8c\u8005\u7576\u7136\u6108\u5c11\u6108\u597d\u3002\u512a\u8cea\u7684\u4fe1\u7528\u53ef\u4ee5\u6e1b\u5c11\u501f\u8cb8\u958b\u652f\uff1b\u4f4e\u8ca0\u50b5\u53ef\u4ee5\u589e\u52a0\u4fe1\u7528\u503c\u3002\u6240\u4ee5\u5169\u8005\u662f\u4e00\u9ad4\u5169\u9762\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u501f\u5b9a\u5514\u501f\uff0c\u5148\u8981\u4e86\u89e3\u300c\u5229\u7387\u300d\uff0c\u5c24\u5176\u662f\u300c\u5e74\u7387\u5316\u7684\u5229\u7387\u300d\u9019\u4e00\u9805\u5c08\u6709\u6578\u503c\uff0c\u9280\u884c\u53ca\u5f37\u7a4d\u91d1\u7686\u7528\u3002\u53ef\u898b\u7ad9\u5916\u7db2\u6587\uff1a<a href=\"https:\/\/www.transunion.hk\/zh\/blog\/glossary\/what-is-apr\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"broken_link\">\u4fe1\u8cb8101\uff1a\u4e94\u500b\u4f60\u4e0d\u53ef\u4e0d\u77e5\u7684\u300c\u5be6\u969b\u5e74\u5229\u7387\u300d\u6982\u5ff5\uff01<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">5. \u7ba1\u7406\u6536\u5165\u53ca\u958b\u652f<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u589e\u52a0\u6536\u5165\u53ca\u6e1b\u5c11\u958b\u652f\u662f\u53ef\u4ee5\u540c\u6642\u8655\u7406<span style=\"color: #04b2f2;\">\u4fe1\u7528\u53ca\u50b5\u52d9<span style=\"color: #000000;\">\uff0c\u8fd1\u5341\u5e7e\u5eff\u5e74\u5927\u5bb6\u807d\u4e86\u5f88\u591a<strong>\u88ab\u52d5\u6536\u5165<\/strong>\u3001<strong>\u5132\u84c4\u6efe\u52d5\u6295\u8cc7<\/strong>\u7b49\u6280\u5006\u3002\u4e0d\u904e\uff0c\u5927\u5bb6\u53ef\u80fd\u5ffd\u8996\u4e86<span style=\"color: #04b2f2;\"><strong>\u7a05\u52d9\u7ba1\u7406<\/strong><\/span>\uff0c\u5c24\u5176\u8fd1\u5e74\u9999\u6e2f\u591a\u4e86\u4e00\u4e9b\u53ef\u6263\u7a05\u7684\u7406\u8ca1\u7522\u54c1\uff0c<\/span><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u98f2\u5c11\u5e7e\u676f\u5496\u5561\uff0c\u53bb\u5c11\u5e7e\u6b21\u65c5\u884c\uff0c\u5514\u4e00\u5b9a\u4ee4\u5230\u5927\u5bb6\u8cb7\u5230\u6a13\uff0c\u4f46\u80af\u5b9a\u53ef\u4ee5\u5be6\u884c\u4e00\u7a2e\u4f4e\u6d6a\u8cbb\u4f4e\u6b32\u671b\u7684<strong><span style=\"color: #04b2f2;\">\u6975\u7c21\u4e3b\u7fa9\uff08minimalism\uff09<\/span><\/strong>\uff0c\u900f\u904e\u7ba1\u7406\u81ea\u5df1\u53bb\u843d\u5be6\u4e00\u7a2e\u751f\u6d3b\u614b\u5ea6\uff0c\u4e26\u4e0d\u50cf\u6230\u5f8c\u51fa\u751f\u5152\u6642\u6c92\u6709\u73a9\u5177\u5e74\u8001\u8981\u6d88\u8cbb\u586b\u585e\u7684\u5de8\u5b30\u6216\u8005\u9760\u7279\u6b0a\u53ca\u5f8c\u9580\u800c\u7a4d\u8ca1\u7684\u571f\u8c6a\uff0c\u7f3a\u61be\u4eba\u751f\u9700\u8981\u4ee5\u6d88\u8cbb\u53bb\u8b49\u660e\u81ea\u5df1\u7684\u5b58\u5728\u3002\u53cd\u4e4b\uff0c\u653e\u773c\u65bc\u5eff\u4e8c\u4e16\u7d00\u7684\u4eba\u66f4\u91cd\u8996\u74b0\u5883\u3001\u793e\u6703\uff08\u898b<a href=\"https:\/\/www.mpfdiy.com\/2018\/07\/%e5%9f%ba%e9%87%91%e6%8a%95%e8%b3%87%e6%96%b0%e6%96%b9%e5%90%911%ef%bc%8d%e7%92%b0%e5%a2%83%e7%a4%be%e6%9c%83%e7%ae%a1%e6%b2%bb\/\" target=\"_blank\" rel=\"noopener noreferrer\">ESG\u6587\u7ae0<\/a>\uff09\u53ca\u81ea\u6211\u9650\u5236\uff0c\u5f9e\u800c\u7522\u51fa\u53ef\u6301\u7e8c\u7684\u6536\u652f\u3001\u751f\u6d3b\u3001\u4eba\u751f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">6. \u7ba1\u7406\u9810\u7b97<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18.6667px;\">\u5c31\u5b78\u3001\u7d50\u5a5a\u3001\u751f\u4ed4\u3001\u8cb7\u6a13\u3001\u9000\u4f11\u7b49\u9810\u7b97\u5927\u5bb6\u90fd\u6709\u505a\uff0c\u4f46\u6b7b\u5f8c\u7684\u8ca1\u52d9\u9810\u7b97\u662f\u7ba1\u7406\u907a\u7522\u6301\u5206\u8005\u7684\u91cd\u8981\u65b9\u6cd5\uff0c\u5c24\u5176\u9999\u6e2f\u793e\u6703\u6108\u4f86\u6108\u5bcc\u88d5\uff0c\u907a\u7522\u7ba1\u7406\u4e0d\u53ea\u662f\u5104\u842c\u5bcc\u8c6a<\/span><span style=\"font-size: 18.6667px;\">\u7684\u5c08<\/span><span style=\"font-size: 18.6667px;\">\u5229\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u907a\u56d1 wills\u3001\u4fe1\u8a17trusts\u3001\u5bb6\u7522\u7ba1\u7406\u8655family office\u7b49\u7b49\u5de5\u5177\uff0c\u5404\u6709\u512a\u52a3\u3002\u82f1\u5f0f\u6cd5\u5f8b\u4e0b\u627f\u8a8d\u5169\u7a2e\u6b0a\u76ca\uff1a\u6cd5\u5b9a\u6b0a\u76ca (legal interest) \u53ca\u8861\u5e73\u6cd5\u6b0a\u76ca (equitable interest)\uff0c\u4e0d\u540c\u5de5\u5177\u5176\u5be6\u662f\u8655\u7406\u64c1\u6709\u8005\u3001\u53d7\u76ca\u4eba\u3001\u6301\u5206\u8005\u7b49\u7b49\u5404\u7684\u4eba\u95dc\u4fc2\uff0c\u53ca\u4ed6\u5011\u7684\u6b0a\u5229\u8207\u53ca\u7fa9\u52d9\u3002\u8a02\u7acb\u5de5\u5177\u662f\u5bb9\u6613\u7684\uff0c\u96e3\u5c31\u96e3\u5728\u4eba\u662f\u5584\u8b8a\u7684\uff0c\u800c\u4eba\u6108\u8001\u6108\u53d7\u7576\u523b\u8eab\u508d\u7684\u4eba\u6240\u5f71\u97ff\u3002\u53ea\u8981\u6709\u9322\u5206\uff0c\u5c31\u6709\u722d\u57f7\uff0c\u9019\u662f\u8caa\u5a6a\u3001\u529f\u5229\u3001\u8a08\u8f03\u53ca\u5229\u76ca\u7684\u5f8c\u679c\uff0c\u518d\u6709\u6548\u7684\u5de5\u5177\u90fd\u96e3\u6709\u597d\u4e0b\u5834\uff0c\u6700\u597d\u505a\u6cd5\u61c9\u8a72\u662f\u8ca1\u6563\u4eba\u5b89\u6a02\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\u5ef6\u4f38\u8996\u983b<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong><span style=\"color: #04b2f2;\">minimalism<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<div class=\"jetpack-video-wrapper\"><iframe loading=\"lazy\" title=\"A rich life with less stuff | The Minimalists | TEDxWhitefish\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/GgBpyNsS-jU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 8pt;\"><em>Image from moneycrashers.com<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9000\u4f11\u7406\u8ca1#15-Financial Literacy \u7406\u8ca1\u77e5\u8b58 &nbsp; Literacy\u662f\u6307\u4eba\u5011\u8b80\u66f8\u8b58\u5b57&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3916,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[1,69],"tags":[7,51,27,50],"class_list":["post-3911","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","category-69","tag-7","tag-51","tag-27","tag-50"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2019\/09\/financial-literacy.jpg?fit=1068%2C713&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-115","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/3911","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/comments?post=3911"}],"version-history":[{"count":4,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/3911\/revisions"}],"predecessor-version":[{"id":3918,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/3911\/revisions\/3918"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/3916"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=3911"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=3911"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=3911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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