有福日报
YoFu Daily


有福日报(YoFu Daily)是一份面向美国华人长辈的每日简报(起源于大西雅图地区)——全美及本地新闻、活动推荐与生活资源。通过微信 有福日报 公众号推送,方便家人一键转发。

YoFu Daily is a daily briefing for Chinese-speaking elders in America, published from the Greater Seattle area — national and local news, things to do, and practical resources. It goes out on the WeChat official account 有福日报, so family can forward it in one tap.

今日头条三则Top Stories

美国新闻一则NATIONAL

美联储加息0.25个百分点 借钱成本上升

Fed raises rates by a quarter point, making borrowing costlier

美联储定的基准利率,是银行之间短期借钱的参考价,信用卡、车贷等利率会跟着它走。据《对话》(The Conversation)网站9月16日刊文,为压住通胀,美联储当天一致决定加息0.25个百分点,基准利率区间升到3.75%至4%。8月物价比1年前上涨3.4%,高于2%的目标;伊朗战争让油价涨破每桶100美元,是推高物价的原因之一。市场预计后面还可能再加息。

The Fed's benchmark rate is the reference price for short-term lending between banks, and rates on credit cards and car loans follow it. According to an article published Sept. 16 on The Conversation, the Fed voted unanimously that day to raise rates by a quarter point to a range of 3.75% to 4% to rein in inflation. Prices in August were 3.4% higher than a year earlier, above the 2% target, and the Iran war pushing oil past $100 a barrel is one reason. Markets expect more increases may follow.

社区影响房贷、车贷和信用卡借钱都会更贵,房贷利率接近7%,一时难降;信用卡没还清的余额,利息也会随之上调。另一面,国债、货币市场基金等稳妥的存钱方式回报变高,手头有闲钱的长者可以比较几家银行的存款利率。
COMMUNITY IMPACTMortgages, car loans and credit card borrowing will all get pricier; mortgage rates are near 7% and unlikely to fall soon, and interest on unpaid card balances will rise too. On the other hand, safe options such as Treasuries and money market funds now pay more, so seniors with spare cash can compare savings rates across banks.

名词解释Glossary Federal Reserve:美联储;benchmark interest rate:基准利率;quarter point:0.25个百分点;money market fund:货币市场基金

来源:Source: https://theconversation.com/us-consumers-and-businesses-are-now-facing-a-future-of-more-expensive-borrowing-291848 · 2026-09-16

本地新闻LOCAL NEWS

肯特(Kent)停车换乘场傍晚发生枪击 一名男子身亡

Man shot dead at Kent park-and-ride on Tuesday evening

停车换乘场(park-and-ride)是让通勤者把车停下、换乘公交的公共停车场。据KOMO电视台和肯特警方消息,9月15日(周二)傍晚六点过后,有人报警称肯特-得梅因(Kent Des Moines)停车换乘场(23405 Military Road S.)传出枪声,警察赶到时一名男子已中枪倒地,经抢救无效当场死亡。死者年龄估计在18到25岁之间,身份尚未确认。警方根据目击者说法认为这不是随机枪击,开枪的人已逃离,警方尚未公布其外貌描述。

A park-and-ride is a public lot where commuters leave their cars and switch to buses. According to KOMO News and Kent police, shortly after 6 p.m. on Tuesday, Sept. 15, callers reported gunfire at the Kent Des Moines Park and Ride (23405 Military Road S.); officers found a man shot on the ground, and he died at the scene despite lifesaving efforts. He appeared to be 18 to 25 and has not been identified. Based on witness accounts, police believe the shooting was not random; those involved fled, and police have not released a description.

社区影响警方根据目击者说法初步判断这不是随机枪击,但开枪的人仍未落网;当晚八点前后,几个街区外又有人开枪,两案是否有关仍不清楚。长者傍晚在换乘场上下车,宜结伴、选有灯光处停车。知情者可拨肯特警方线索热线253-856-5808。
COMMUNITY IMPACTPolice initially believe, from witness accounts, that the shooting was not random, but the shooter has not been caught; around 8 p.m. that night someone fired shots a few blocks away, and it is unclear whether the two are linked. Seniors using the lot in the evening should go with someone and park under lights. Anyone with information can call the Kent police tip line at 253-856-5808.

名词解释Glossary park-and-ride:停车换乘场;tip line:线索热线

来源:Source: https://www.youtube.com/watch?v=v5H_eBOVowc · 2026-09-16

本地新闻LOCAL NEWS

甲骨文(Oracle)再裁华州员工359人

Oracle cuts another 359 Washington jobs

甲骨文(Oracle)是美国大型企业软件公司,在西雅图市中心设有办公室。据GeekWire报道,公司正借巨债建设人工智能数据中心,并称人工智能的应用带来了裁员;9月16日公布的裁员通知显示,它将在华州裁掉359人,员工周一已接到通知,最后工作日是11月13日。受影响的多是软件工程师、项目经理等技术岗位,也有多名副总裁。公司表示西雅图办公室不会关闭。今年3月它已在华州裁掉491人。

Oracle is a large U.S. enterprise software company with offices in downtown Seattle. GeekWire reports the company is taking on heavy debt to build AI data centers and has said the use of AI led to job cuts; a layoff notice made public Sept. 16 shows it will cut 359 jobs in Washington, with workers notified Monday and a last day of Nov. 13. Most are software engineers, program managers and other technical roles, plus several vice presidents. Oracle says its Seattle offices are not closing. In March it cut 491 jobs in the state.

社区影响这轮裁员集中在软件开发和中高层技术管理岗位,本地华人家庭里做工程师的子女可能直接受影响。两轮合计,甲骨文今年在华州已裁掉约850个职位。从接到通知到11月13日约有两个月,受影响家庭可提前安排医保衔接和求职。
COMMUNITY IMPACTThe cuts fall mainly on software development and senior technical management, so engineers in local Chinese families may be directly affected. Across both rounds Oracle has cut about 850 jobs in Washington this year. There are about two months between the notice and the Nov. 13 last day, time affected families can use to arrange health coverage and start job hunting.

名词解释Glossary layoff:裁员;data center:数据中心;Employment Security Department:华州就业安全厅

来源:Source: https://www.geekwire.com/2026/oracle-cuts-359-washington-jobs-in-latest-ai-driven-layoffs-seattle-offices-not-closing/ · 2026-09-16

本地新闻速览Local In Brief

联邦医保AI事前审批 华州头三个月拒批过半

Medicare's AI prior-approval pilot denied more than half of Washington requests in its first three months

传统联邦医保(Original Medicare)今年起在华州等六个州试行一项人工智能协助的「事前审批」,部分治疗要先获批准才给保,负责审批的承包商按替联邦医保省下的钱拿提成。据《西雅图时报》报道,一家民权组织打官司拿到的联邦文件显示,华州承包商到3月底做了6000多项审批决定,其中53%被拒,承包商自称此后批准率已上升到接近70%。打止痛针、装神经刺激器等项目在这个试点范围里,长者若被拒,可以提出申诉。

This year traditional Medicare began piloting AI-assisted prior authorization in six states including Washington, so some treatments must be approved before they are covered, and the contractors doing the reviews are paid a share of what they save Medicare. The Seattle Times reports that federal records obtained through a civil-liberties group's lawsuit show Washington's contractor made more than 6,000 decisions through March and denied 53%; the contractor says its approval rate has since risen toward 70%. Pain injections and nerve stimulators are among the covered services, and seniors who are denied can appeal.

来源:Source: https://www.seattletimes.com/business/medicare-ai-program-hit-wa-with-staggering-denial-rate-records-show/

贝尔维尤(Bellevue)警方用分贝仪查噪音车

Bellevue police use decibel readers to crack down on loud vehicles

车辆噪音和交通问题,一直是贝尔维尤(Bellevue)居民向警方反映最多的事。据KOMO电视台报道,贝尔维尤警方开始给警员配发分贝仪,能当场测出一辆车有多响,超过标准就可以开罚单。警方说,超速、飙车、排气管太响、危险驾驶和聚众赛车都在重点之列,住在大路边、晚上常被吵醒的长者,可以向警方反映。

Vehicle noise and traffic problems are consistently the top complaints Bellevue residents report to police. KOMO News reports Bellevue police are equipping officers with decibel readers that show how loud a vehicle is on the spot and allow a citation when it crosses the limit. Police say speeding, racing, loud mufflers, reckless driving and car meets are all targets, and seniors near busy roads who are kept awake can report it.

来源:Source: https://www.youtube.com/watch?v=UIClIEswHcY

斯卡吉特县(Skagit County)小镇「编外镇长」被移民局羁押

Skagit County town's 'unofficial mayor' held by immigration authorities

康韦(Conway)是斯卡吉特县(Skagit County)的一个小镇,墨西哥裔居民胡安·阿洛阿托雷·马丁内斯(Juan Aloatorre Martinez)在那里生活工作了20多年,一直在等绿卡,被街坊叫作「编外镇长」。据KIRO 7电视台报道,他7月被移民与海关执法局(ICE)人员带走,现关在塔科马(Tacoma)的拘留中心;本人和律师说是抓错了人,国土安全部则说,抓他是因为他此前被捕过两次。正在排队等身份的家庭,宜把律师电话和身份文件复印件放在家人找得到的地方。

Conway is a small town in Skagit County where Juan Aloatorre Martinez, originally from Mexico, has lived and worked for more than 20 years while waiting for a green card; neighbors call him the town's 'unofficial mayor.' KIRO 7 reports he was detained by ICE agents in July and is now held at the Tacoma detention center; he and his attorney say agents took the wrong person, while the Department of Homeland Security says he was targeted because of two prior arrests. Families waiting on immigration status should keep a lawyer's number and copies of documents where relatives can find them.

来源:Source: https://www.youtube.com/watch?v=WbtDEnND0Cs

西雅图首位有色人种女市议员西邦加去世 享年95岁

Dolores Sibonga, Seattle's first woman of color on the City Council, dies at 95

多洛蕾丝·西邦加(Dolores Sibonga)在西雅图唐人街国际区长大,1973年成为第一位获准在华州执业的菲律宾裔律师。据《西北亚洲周报》报道,她9月16日清晨去世,享年95岁;1978年她获任命进入西雅图市议会,成为第一位有色人种女市议员,一直做到1992年。她和丈夫1977年创办报纸,报道民权、鼓励少数族裔参与政治,2017年又参与设立项目,帮家境困难的年轻人到政府部门工作。

Dolores Sibonga grew up in Seattle's Chinatown-International District and in 1973 became the first Filipino American admitted to the Washington state bar. Northwest Asian Weekly reports she died early on Sept. 16 at 95; appointed to the Seattle City Council in 1978, she was the first woman of color to serve on it and stayed until 1992. With her husband she started a newspaper in 1977 covering civil rights and encouraging minority political participation, and in 2017 she helped found a fellowship giving young people from disadvantaged backgrounds work in government.

来源:Source: https://nwasianweekly.com/2026/09/pioneering-seattle-city-councilmember-and-civil-rights-champion-dolores-sibonga-passes-away/

西雅图市议员提议给新建住宅减免可负担房费

Seattle councilmember proposes cutting affordable-housing fees on new homes

西雅图规定新建住宅要交一笔「强制可负担房费」(MHA),这笔钱专门用来盖给低收入者住的房子,因开工量下滑,收入从2021年高峰的7400万美元跌到今年截至8月约700万。据The Urbanist网站报道,市议会住房委员会主席福斯特(Dionne Foster)9月16日提出方案,已拿到许可、卡在融资上的项目减免80%,新项目减免60%但至少四分之一要是多卧室户型,为期2年。方案9月18日(周五)提交住房委员会,全体市议会预计明年1月表决;据力推减免的西雅图住房圆桌会议统计,有35个停滞项目、6000多套住房在等。

Seattle charges new housing a Mandatory Housing Affordability fee that pays for homes for low-income residents; with construction slowing, the money has fallen from a $74 million peak in 2021 to about $7 million so far this year through August. The Urbanist reports that Councilmember Dionne Foster, who chairs the housing committee, proposed on Sept. 16 an 80% cut for permitted projects stuck on financing and a 60% cut for new projects that make at least a quarter of units multi-bedroom, for two years. It goes to committee Friday, Sept. 18, with a full council vote expected in January; the Seattle Housing Roundtable, which backs the break, counts 35 stalled projects with more than 6,000 homes waiting.

来源:Source: https://www.theurbanist.org/foster-resurrects-housing-accelerator-teeing-up-mha-fee-break-in-2027/

西雅图市中心8月到访人次超过疫情前

Downtown Seattle visits in August topped pre-pandemic levels

西雅图市中心协会(Downtown Seattle Association)是市中心商家组成的团体,定期统计进出市中心的人数,用来看疫情后市中心恢复得怎么样。据MyNorthwest报道,该协会9月16日公布,8月市中心共有920万人次到访,比2019年8月高12%,是7年多来人最多的一个月,市中心酒店也卖出近42.9万间夜。不过工作日来市中心上班的人只有2019年的62%,平均每天约15万人。

The Downtown Seattle Association is a group of downtown businesses that tracks how many people come downtown, as a measure of the post-pandemic recovery. MyNorthwest reports the association said Sept. 16 that downtown drew 9.2 million visits in August, 12% more than August 2019 and the busiest month in more than seven years, and downtown hotels sold nearly 429,000 room nights. Weekday office workers, however, are at 62% of 2019 levels, about 150,000 a day.

来源:Source: https://mynorthwest.com/local/downtown-seattle-pre-pandemic/4276779

本地活动15则Local Events

今日本地新活动TODAY

华盛顿州博览会

Washington State Fair

时间 今天(9月17号)上午10点半到晚上9点半

地点 普亚勒普博览会场(MattressFIRM Showplex, 110 9th Ave SW, Puyallup, 98371-6811)

内容 华州1年一度的大集,有75个以上的游乐设施、各式小吃、动物和农业展,晚上还有演唱会。一家三代去,老人看牲口看展,孩子坐游乐设施,各得其所。

注意 需买门票,票价按年龄和日期不同,以官网为准;场地大,穿好走的鞋,带水。

https://www.parentmap.com/calendar/washington-state-fair-4/2026-09-17/

雷德蒙市中心艺术漫步

Downtown Redmond Art Walk

时间 今天(9月17号)下午4点到7点

地点 雷德蒙市中心公园(Redmond Downtown Park, 16101 Redmond Way, Redmond, 98052)

内容 雷德蒙(Redmond)市政府在市中心公园摆出艺术作品和表演,下午四点45分有诗歌朗诵,五点45分开始公园里跳萨尔萨舞。周边商家也有艺术展示,照着地图边走边看。

注意 免费;傍晚开始降温,带件薄外套。

https://www.parentmap.com/calendar/downtown-redmond-art-walk/

今日常规活动TODAY — REGULARS

西雅图水族馆西语动物讲解日

¡Vamos al Acuario!

时间 今天(9月17号)上午9点半到下午5点

常规时间 每周二、三、四、六、日上午9点半到下午5点

地点 西雅图水族馆(Seattle Aquarium, 1483 Alaskan Way Pier 59, Seattle, 98101-2015)

内容 水族馆为庆祝西语裔传统月,在九、10月选定的日子用西班牙语和英语做动物讲解,还有寻宝游戏送小奖品;上午9点半到下午5点是开馆时间,讲解具体场次以水族馆公布为准。带孙辈去看鱼看海獭,讲解听不懂也不耽误看。

注意 活动包含在水族馆门票里,需买门票入场,票价见水族馆官网;馆在海边码头,风大,带件外套。

https://www.parentmap.com/calendar/vamos-al-acuario/2026-09-17/

贝尔伍德农场丰收节

Bellewood Farms Harvest Festival

时间 今天(9月17号)上午9点到下午4点

常规时间 每周三、四、五、六、日上午9点到下午4点

地点 贝尔伍德农场(Bellewood Farms, 6140 Guide Meridian Rd, Lynden, 98264)

内容 林登(Lynden)这家苹果园是华州西部最大的,有24个以上的苹果品种,秋收季可以自己摘苹果。农场说平日人少,适合不赶时间的长者慢慢逛。

注意 入场不写收费,现场摘的苹果和东西另外买;靠近加拿大边境,开车路程较远,早点出发。

https://www.parentmap.com/calendar/bellewood-farms-harvest-festival/2026-09-17/

安妮女王农夫市集

Queen Anne Farmers Market

时间 今天(9月17号)下午3点到7点半

常规时间 每周四下午3点到7点半

地点 安妮女王农夫市集(Queen Anne Farmers Market, Crockett Street and Queen Anne Ave. N, Seattle, 98109, 13 Best Pl)

内容 75个摊位全是本地农场和食品商,卖的都是吃的,还有现场音乐、厨师示范和儿童活动。买菜顺便听听音乐,适合傍晚出门走走。

注意 免费入场,买东西另付钱;带个购物袋。

https://www.parentmap.com/calendar/queen-anne-farmers-market/2026-09-17/

天鹅步道农场丰收节

Harvest Festival at Swans Trail Farms

时间 今天(9月17号)上午10点到下午6点

常规时间 秋收季每天上午10点到下午6点上午10点到下午6点

地点 天鹅步道农场(Swan’s Trail Farms, 7301 Rivershore Rd., Snohomish, 98290)

内容 离西雅图约30分钟车程的农场,秋收季每天开放,可以自己摘苹果、挑南瓜,还有按华州地图形状修的玉米迷宫。平日去人少,长者慢慢逛不累。

注意 1到25美元,按项目收费;地里有泥,穿平底鞋。

https://www.parentmap.com/calendar/harvest-festival-swans-trail-farms/2026-09-17/

本周末本地新活动THIS WEEKEND

塔科马韩国中秋节

ChuSeok Korean Festival – Tacoma

时间 周六(9月19号)上午11点到下午4点

地点 亚太文化中心(Asia Pacific Cultural Center, 4851 South Tacoma Way, Tacoma, 98409)

内容 「秋夕」是韩国的中秋丰收节,活动有农乐鼓舞、纸莲花手工、韩国乐器和传统吃食,还能换上韩服拍照。跟咱们过中秋是一个节气,带孙辈去看看邻居怎么过节。

注意 免费;手工活动人多时要排队,早点到。

https://www.parentmap.com/calendar/chuseok-korean-festival-tacoma/

西雅图中秋游园会

2026 西雅图中秋游园会 Seattle Mid-Autumn Festival

时间 周六(9月19号)下午1点到6点

地点 隐谷体育馆(Hidden Valley Field House, 1903 112th Avenue NE, Bellevue, WA 98004)

内容 西雅图华人协会主办,主题「月下相逢·月见有你」,有舞蹈、独唱、诗朗诵、儿童剧和古筝演出,还有游园游戏、互动摊位,能吃月饼。中秋主题的演出,长者和孙辈都能看得热闹。

注意 需要买票,65岁以上长者和残障人士有优惠票价,具体票价见Eventbrite页面,长者优惠票数量有限、入场需带证件,售出不退;场地停车不收费。

https://www.eventbrite.com/e/2026-seattle-mid-autumn-festival-tickets-1997548768138

华盛顿州博览会

Washington State Fair

时间 周日(9月20号)上午9点半到晚上9点半

地点 普亚勒普博览会场(MattressFIRM Showplex, 110 9th Ave SW, Puyallup, 98371-6811)

内容 周日照常开放,游乐设施、小吃、动物展都在。周末人多,想看展的长者上午去更从容。

注意 需买门票,票价以官网为准;停车场满得快,早点出发。

https://www.parentmap.com/calendar/washington-state-fair-3/2026-09-20/

福尔城苹果节

Fall City Apple Festival

时间 周日(9月20号)上午10点到下午5点

地点 西北自然马术中心(Northwest Natural Horsemanship Center, 32925 SE 46th St, Fall City, 98024)

内容 福尔城(Fall City)每年9月庆祝斯诺夸尔米(Snoqualmie)河谷苹果丰收,可以现场榨苹果汁、尝苹果派和果酱,还有现场音乐和儿童游戏。收入用于资助家境困难的本地孩子上夏令营。

注意 免费入场,吃食和骑马另付钱;场地是马场,穿平底鞋。

https://www.parentmap.com/calendar/fall-city-apple-festival-0/

本周末常规活动THIS WEEKEND — REGULARS

西雅图水族馆西语动物讲解日

¡Vamos al Acuario!

时间 周日(9月20号)上午9点半到下午5点

常规时间 每周二、三、四、六、日上午9点半到下午5点

地点 西雅图水族馆(Seattle Aquarium, 1483 Alaskan Way Pier 59, Seattle, 98101-2015)

内容 周日同样有西班牙语和英语的动物讲解和寻宝游戏。平日没空的一家人,周末可以一起去。

注意 活动包含在水族馆门票里,需买门票入场;周末人多,早去。

https://www.parentmap.com/calendar/vamos-al-acuario/2026-09-20/

克雷文农场秋季节

Craven Farm Fall Festival

时间 周日(9月20号)上午10点到下午6点

常规时间 每周六、日上午10点到下午6点

地点 克雷文农场(Craven Farm, 13817 Shorts School Rd, Snohomish, 98290-6907)

内容 斯诺霍米什(Snohomish)河谷的老牌南瓜农场,秋天有摘南瓜等各种农场活动,很多本地家庭年年带孩子去。孙辈年纪小的,这里正合适。

注意 入场免费,南瓜和部分活动另付钱;地里有泥,穿平底鞋。

https://www.parentmap.com/calendar/craven-farm-fall-festival-0/2026-09-20/

北本德小猪亲亲时间

Piglet Snuggle Sesh at Plucky Palomino Petting Zoo

时间 周日(9月20号)上午11点半到12点15分

常规时间 每周六、日上午11点半到12点15分

地点 帕洛米诺动物农场(Plucky Palomino Petting Zoo, 901 Bendigo Blvd N, North Bend, 98045)

内容 在北本德(North Bend)的小动物农场,大人孩子一起抱一抱迷你小猪、挠挠小猪肚皮。孩子必须有大人陪同,祖孙一起去正好。

注意 15到25美元,大人小孩都要买票;室外活动,下雨照常,要穿包头鞋。

https://www.parentmap.com/calendar/piglet-snuggle-sesh-at-plucky-palomino-petting-zoo/2026-09-20/

鲍勃玉米南瓜农场秋季节

Fall Festival at Bob’s Corn and Pumpkin Farm

时间 周日(9月20号)上午10点到晚上7点

常规时间 每周六、日上午10点到晚上7点

地点 鲍勃玉米南瓜农场(Bob’s Corn and Pumpkin Farm, 10917 Elliott Rd, Snohomish, 98296-8106)

内容 坐拖拉机到下面的田里摘南瓜,走玉米迷宫,吃现做甜甜圈、喝热苹果汁。秋季节从9月19日开到11月1日。

注意 2到28.95美元,按项目收费;玉米迷宫路长,腿脚不便的长者可以只在农场商店附近转转。

https://www.parentmap.com/calendar/fall-festival-bobs-corn-and-pumpkin-farm/2026-09-20/

十字路口购物中心免费现场演出

Free Live Performances at the Market Stage

时间 周六(9月19号)晚上7点到8点45分

常规时间 每周五、六、日晚上7点到8点45分

地点 十字路口购物中心(Crossroads Bellevue Shopping Center, 15600 NE 8th St, Bellevue, 98008-3927)

内容 贝尔维尤(Bellevue)十字路口购物中心的市集舞台每周五、六、日都有本地乐手免费演出。买份晚饭坐下来听,适合一家人饭后散心。

注意 免费;座位先到先得。

https://www.parentmap.com/calendar/31366/2026-09-19/

美国文化一则American Customs

美国人普遍用信用卡买东西,每月收到一张账单。账单上写着欠款总额和一个「最低还款额」,只还最低额也不算违约,但没还的部分要按年利率计息。大多数信用卡是浮动利率,跟着银行给最好客户的「优惠利率」走,美联储一加息,一两个月内就会传导到信用卡上。

Americans commonly pay by credit card and receive a monthly statement showing the total owed and a minimum payment. Paying only the minimum is not a default, but the unpaid part accrues interest at an annual rate. Most cards carry variable rates tied to the prime rate banks charge their best customers, so a Fed hike reaches card rates within a month or two.

这套做法的逻辑是「先用后付」:银行愿意让人先花钱,是因为没还清的余额能给它带来利息收入。信用记录也靠按时还款一点点攒起来,将来租房、贷款都要看。所以在美国,会用信用卡的人每月按时全额还清,既攒了信用,又一分利息不付。

The logic is 'use now, pay later': banks let people spend first because unpaid balances earn them interest. A credit history is also built from on-time payments and is checked later for renting or borrowing. So people who use cards well pay the full balance on time each month, building credit without paying any interest.

中国老话讲「无债一身轻」,老一辈宁可攒够了钱再买。美国的信用卡看着是鼓励借钱,其实用得好的人跟中国老人想的是一回事:不欠隔月的账。两边的差别,只在美国人多了一张卡来记这笔信用。

An old Chinese saying holds that being free of debt makes one light, and older generations prefer to save before buying. U.S. credit cards seem to encourage borrowing, but careful users think the same way as Chinese elders: never carry a balance into the next month. The only difference is that Americans have a card keeping score of that trust.

来源:Source: https://www.seattletimes.com/business/fed-rate-hike-will-likely-push-borrowing-costs-on-credit-cards-mortgages-but-benefit-savers/

今日一词Word of the Day

balance

余额;信用卡账单上的欠款总额

the amount of money owed on an account, or held in it

I pay off my credit card balance every month.

看信用卡账单、银行对账单时,「statement balance」就是这一期要还的总额;打电话问银行时说这个词,对方马上明白。

On a credit card or bank statement, the 'statement balance' is the total due for that cycle; use the word when calling the bank and they will know exactly what you mean.

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