{"id":1745,"date":"2012-10-03T09:50:30","date_gmt":"2012-10-03T17:50:30","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1745"},"modified":"2012-10-02T19:47:44","modified_gmt":"2012-10-03T03:47:44","slug":"anniversary2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/anniversary2\/","title":{"rendered":"\u59cb\u3081\u3066\u4e00\u5e74\u7d4c\u3061\u307e\u3057\u305f\u3000-\u3000\u300cResponsible\u300d\u306a\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30e9\u30a4\u30d5"},"content":{"rendered":"<p>\u3053\u306e\u30d6\u30ed\u30b0\u30fb\u30b5\u30a4\u30c8\u3001Smart\uff06Responsible\u304c\u7acb\u3061\u4e0a\u304c\u3063\u30661\u5e74\u304c\u7d4c\u3061\u307e\u3057\u305f\u30021\u5e74\u7d4c\u3063\u305f\u4eca\u3001\u4eca\u4e00\u5ea6\u539f\u70b9\u306b\u623b\u308a\u3001Smart\uff06Responsible\u3068\u3044\u3046\u540d\u524d\u306b\u3053\u3081\u305f\u601d\u3044\u3092\u632f\u308a\u8fd4\u308b\u3068\u540c\u6642\u306b\u3001\u307f\u306a\u3055\u3093\u306e\u304a\u8003\u3048\u3084\u3054\u610f\u898b\u3092\u4f3a\u3048\u305f\u3089\u3068\u3082\u601d\u3044\u307e\u3059\u3002\u524d\u56de\u306fSmart &amp;\u3000Responsible\u306e\u3046\u3061\u306e\u3000\u300cSmart\u300d\u306b\u3053\u3081\u3089\u308c\u305f\u610f\u5473\u3092\u632f\u308a\u8fd4\u3063\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n<p>\u524d\u56de\u3001\u3054\u610f\u898b\u30fb\u3054\u611f\u60f3\u3092\u304f\u3060\u3055\u3063\u305fSayo\u3055\u3093\u3001SAKURA\u3055\u3093\u3001Cranberry\u3055\u3093\u3001\u3072\u3044\u308d\u3055\u3093\u3001\u305d\u308c\u304b\u3089\u30b3\u30e1\u30f3\u30c8\u3092\u304f\u3060\u3055\u3063\u305fChee\u3055\u3093\u3001SW\u3055\u3093\u3001turtle\u3055\u3093\u3001\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\uff01<\/p>\n<p>\u4eca\u56de\u306f\u3001<\/p>\n<p><strong>Smart &amp; Responsible\u3000\u306e\u3000\u300cResponsible\u300d\u306b\u8fbc\u3081\u3089\u308c\u305f\u601d\u3044<\/strong><\/p>\n<p>\u3092\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/09\/Responsible.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1746\" title=\"Responsible\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/09\/Responsible.png?resize=497%2C272&#038;ssl=1\" alt=\"\" width=\"497\" height=\"272\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/09\/Responsible.png?w=630&amp;ssl=1 630w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/09\/Responsible.png?resize=300%2C164&amp;ssl=1 300w\" sizes=\"auto, (max-width: 497px) 100vw, 497px\" \/><\/a><\/p>\n<p>\u300cResponsibility\u300d\u3068\u3044\u3046\u3068\u300c\u8cac\u4efb\u300d\u3068\u8a33\u3057\u307e\u3059\u3051\u3069\u3001\u306a\u3093\u304b\u65e5\u672c\u8a9e\u306b\u3059\u308b\u3068\u30ab\u30bf\u3044\u3067\u3059\u304c\u3001\u82f1\u8a9e\u306eresponsible\u3092\u30aa\u30f3\u30e9\u30a4\u30f3\u8f9e\u66f8\u3067\u8abf\u3079\u308b\u3068\u3001\u201cbeing the primary cause of something and so able to be blamed or credited for it.\u201c\u3068\u51fa\u3066\u304d\u307e\u3059\u3002\u300c\u3088\u3044\u7d50\u679c\u3082\u308f\u308b\u3044\u7d50\u679c\u3082\u305d\u306e\u5927\u3082\u3068\u306e\u51fa\u3069\u3053\u308d\u3067\u3042\u308b\u3053\u3068\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u610f\u5473\u3067\u3057\u3087\u3046\u304b\u30fb\u30fb\u30fb\u4f55\u3092\u3069\u3046\u6c7a\u3081\u3088\u3046\u3068\u3001\u3069\u3046\u3044\u3046\u884c\u52d5\u3092\u3068\u308d\u3046\u3068\u3001\u305d\u306e\u6c7a\u3081\u305f\u3053\u3068\u30fb\u3084\u3063\u305f\u3053\u3068\u306f\u81ea\u5206\u304b\u3089\u51fa\u305f\u3053\u3068\u3067\u3042\u308b\u3068\u308f\u304d\u307e\u3048\u3066\u3044\u308b\u3053\u3068\u30fb\u30fb\u30fb\u3068\u3044\u3046\u3088\u3046\u306a\u610f\u5473\u5408\u3044\u3067\u3059\u306d\u3002\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>\u65e5\u3005\u8ca0\u308f\u3055\u308c\u3066\u3044\u308b\u8cac\u4efb<\/strong><strong><\/strong><\/h2>\n<p>\u308f\u305f\u3057\u305f\u3061\u306f\u65e5\u3005\u3055\u307e\u3056\u307e\u306a\u6c7a\u65ad\u3092\u3057\u306a\u304c\u3089\u751f\u304d\u3066\u3044\u307e\u3059\u3002\u300c\u6c7a\u65ad\u300d\u306a\u3093\u3066\u3044\u3046\u3068\u5927\u3052\u3055\u3067\u3059\u3051\u3069\u3001\u3067\u3082\u6c7a\u65ad\u3067\u3059\u3002\u3069\u306e\u30d6\u30e9\u30f3\u30c9\u306e\u30e8\u30fc\u30b0\u30eb\u30c8\u3092\u8cb7\u3046\u304b\u3060\u3063\u3066\u6c7a\u65ad\u3060\u3057\u3001\u643a\u5e2f\u96fb\u8a71\u306f\u3069\u306e\u30ad\u30e3\u30ea\u30a2\u306b\u3057\u3088\u3046\u304b\u3001\u533b\u7642\u4fdd\u967a\u306e\u30bf\u30a4\u30d7\u306f\u4f55\u306b\u3057\u3088\u3046\u304b\u3060\u3063\u3066\u6c7a\u65ad\u3067\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u306f\u30b5\u30a4\u30f3\u793e\u4f1a\u3067\u3059\u304c\u3001\u30b5\u30a4\u30f3\u3092\u3059\u308b\u3068\u304d\u3001\u300c\u81ea\u5206\u306f\u6c7a\u65ad\u3092\u3057\u3066\u3044\u308b\u306e\u3060\u300d\u3068\u611f\u3058\u307e\u3059\u304b\uff1f\u30b5\u30a4\u30f3\u306b\u306f\u3001\u300c\u308f\u305f\u3057\u306f\u6c7a\u65ad\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u6c7a\u65ad\u306b\u8cac\u4efb\u3092\u6301\u3061\u307e\u3059\u300d\u3068\u3044\u3046\u610f\u5473\u304c\u3042\u308a\u307e\u3059\u306d\u3002\u6bd4\u8f03\u7684\u7c21\u5358\u306b\u64a4\u56de\u3067\u304d\u308b\u300c\u6c7a\u65ad\u300d\u3082\u3042\u308c\u3070\u3001\u5909\u66f4\u304c\u975e\u5e38\u306b\u9ad8\u304f\u3064\u304f\u300c\u6c7a\u65ad\u300d\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u554f\u984c\u306b\u306a\u308b\u306e\u306f\u3001\u308f\u305f\u3057\u305f\u3061\u304c\u3088\u304f\u308f\u304b\u3089\u306a\u3044\u307e\u307e\u300c\u6c7a\u65ad\u300d\u3057\u305f\u308a\u3001\u5168\u90e8\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u306a\u304f\u300c\u6c7a\u65ad\u300d\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u3088\u3046\u306a\u5834\u5408\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u3092\u5951\u7d04\u3059\u308b\u969b\u3001\u300c\u3053\u306e\u304f\u3089\u3044\u306e\u30ab\u30d0\u30ec\u30c3\u30b8\u3067\u3044\u3044\u3067\u3059\u3088\u300d\u3068\u30d6\u30ed\u30fc\u30ab\u30fc\u306b\u8a00\u308f\u308c\u3066\u3001\u304a\u307e\u304b\u305b\u306b\u3057\u3066\u30b5\u30a4\u30f3\u3057\u305f\u308a\u3057\u3066\u3044\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002\u3069\u3093\u306a\u3068\u304d\u306b\u3069\u3093\u306a\u88dc\u511f\u304c\u3042\u308b\u304b\u3001\u88dc\u511f\u306b\u7a74\u304c\u306a\u3044\u304b\u3088\u304f\u628a\u63e1\u3057\u3066\u3044\u307e\u3059\u304b\uff1f\u4e8b\u6545\u304c\u8d77\u3053\u3063\u305f\u3068\u304d\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u5951\u7d04\u4ee5\u4e0a\u306e\u8cac\u4efb\u306f\u304b\u3076\u3063\u3066\u304f\u308c\u307e\u305b\u3093\u3002\u30d6\u30ed\u30fc\u30ab\u30fc\u306e\u8cac\u4efb\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u6700\u7d42\u8cac\u4efb\u306f\u81ea\u5206\u3067\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u75c5\u9662\u3067\u5148\u751f\u306b\u8a3a\u3066\u3082\u3089\u3046\u3068\u304d\u3001\u300c\u4fdd\u967a\u304c\u6255\u308f\u306a\u3044\u533b\u7642\u8cbb\u306f\u81ea\u5206\u304c\u8cac\u4efb\u3092\u6301\u3061\u307e\u3059\u300d\u3068\u3044\u3046\u30da\u30fc\u30d1\u30fc\u306b\u30b5\u30a4\u30f3\u3055\u305b\u3089\u308c\u307e\u3059\u3002\u3057\u305f\u304f\u306a\u304f\u3066\u3082\u3001\u30b5\u30a4\u30f3\u3057\u306a\u3044\u3068\u8a3a\u3066\u3082\u3089\u3048\u306a\u3044\u306e\u3067\u30b5\u30a4\u30f3\u3057\u307e\u3059\u304c\u3001\u305d\u308c\u304c\u5927\u304d\u306a\u8cac\u4efb\u3092\u8ca0\u3046\u3053\u3068\u3060\u3068\u3044\u3046\u899a\u609f\u304c\u5fc5\u8981\u3060\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u306d\u3002\u305d\u306e\u30b5\u30a4\u30f3\u306b\u3069\u3093\u306a\u610f\u5473\u304c\u3042\u308b\u306e\u304b\u3001\u533b\u7642\u4fdd\u967a\u3084\u30b7\u30b9\u30c6\u30e0\u306f\u3042\u307e\u308a\u306b\u8907\u96d1\u3067\u3001\u7a93\u53e3\u306e\u4eba\u306b\u805e\u3044\u3066\u3082\u7d0d\u5f97\u306e\u3044\u304f\u7b54\u3048\u304c\u8fd4\u3063\u3066\u3053\u306a\u3044\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u3067\u3082\u3001\u81ea\u5206\u306e\u8cac\u4efb\u306f\u81ea\u5206\u306e\u3082\u306e\u3002\u308f\u304b\u3063\u3066\u304a\u304b\u306d\u3070\u306a\u3089\u306a\u3044\u306e\u3067\u3059\u3002<\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/auto-insurance-how-much-coverage1\/\" >\u30a2\u30e1\u30ea\u30ab\u306e\u81ea\u52d5\u8eca\u4fdd\u967a\u3000\uff0d\u3000\u3044\u304f\u3089\u3042\u308c\u306f\u5341\u5206\u304b\uff1f(1)<\/a><\/strong><\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/auto-insurance-quotes1\/\" >\u30a2\u30e1\u30ea\u30ab\u306e\u81ea\u52d5\u8eca\u4fdd\u967a\u3092\u3069\u3046\u9078\u3076\u3000\u2013\u3000\u4fe1\u983c\u3067\u304d\u3066\u5b89\u3044\u4fdd\u967a\u3092\u898b\u3064\u3051\u308b\uff08\uff11\uff09<\/a><\/strong><\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/medical-cost-negotiation\/\" >\u30a2\u30e1\u30ea\u30ab\u533b\u7642\u306e\u30df\u30b9\u30c6\u30ea\u30fc\u3000\u533b\u7642\u8cbb\u306f\u3001\u305c\u3072\u5024\u5207\u308a\u307e\u3057\u3087\u3046\uff1f<\/a><\/strong><\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/save-med-cost-quote\/\" >\u307e\u305a\u5024\u6bb5\u3092\u78ba\u8a8d\u3057\u3066\u304b\u3089\u3001\u533b\u7642\u3092\u53d7\u3051\u307e\u3057\u3087\u3046\uff01<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>\u65e5\u3005\u6e2c\u3089\u308c\u3066\u3044\u308b\u8cac\u4efb<\/strong><strong><\/strong><\/h2>\n<p>\u308f\u305f\u3057\u305f\u3061\u304c\u3069\u306e\u304f\u3089\u3044\u8cac\u4efb\u306e\u3042\u308b\u59ff\u52e2\u3067\u751f\u6d3b\u3057\u3066\u3044\u308b\u304b\u306f\u3001\u65e5\u3005\u6e2c\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30b9\u30b3\u30a2\u304c\u305d\u306e\u4e00\u756a\u306e\u4f8b\u3067\u3059\u306d\u3002\u8cac\u4efb\u3092\u6301\u3063\u3066\u501f\u308a\u3066\u8cac\u4efb\u3092\u3082\u3063\u3066\u8fd4\u3057\u3066\u3044\u308b\u304b\u3001\u7121\u7406\u306a\u5224\u65ad\u306f\u3057\u3066\u3044\u306a\u3044\u304b\u3001\u8cac\u4efb\u304c\u3068\u308c\u308b\u4f59\u88d5\u304c\u3042\u308b\u304b\u306a\u3069\u306e\u6307\u6a19\u304c\u3001\u308f\u305f\u3057\u305f\u3061\u306e\u884c\u52d5\u3092\u901a\u3057\u3066\u6e2c\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u6e2c\u3089\u308c\u305f\u304f\u3066\u3082\u6e2c\u3089\u308c\u305f\u304f\u306a\u304f\u3066\u3082\u3001\u6e2c\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u3046\u8003\u3048\u308b\u3068\u3061\u3087\u3063\u3068\u30b3\u30ef\u304f\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3067\u3082\u8cac\u4efb\u3042\u308b\u59ff\u52e2\u3067\u751f\u6d3b\u3057\u3066\u3044\u308c\u3070\u3001\u81ea\u7136\u3068\u8a55\u4fa1\u306f\u4e0a\u304c\u3063\u3066\u304f\u308b\u308f\u3051\u3067\u3059\u304b\u3089\u52b1\u307f\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u3088\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30b9\u30b3\u30a2\u306f\u3001\u300c\u91d1\u92ad\u7684\u306b\u4fe1\u983c\u306b\u8db3\u308b\u4eba\u3067\u3042\u308b\u300d\u3068\u3044\u3046\u304a\u58a8\u4ed8\u304d\u3067\u3082\u3042\u308a\u3001\u3055\u307e\u3056\u307e\u306a\u7279\u5178\u3082\u3064\u3044\u3066\u304d\u307e\u3059\u3002\u30ed\u30fc\u30f3\u304c\u5b89\u304f\u7d44\u3081\u305f\u308a\u3001\u30ea\u30ef\u30fc\u30c9\u306e\u3088\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u304c\u3064\u304f\u308c\u305f\u308a\u3057\u307e\u3059\u3002\u53cd\u5bfe\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30b9\u30b3\u30a2\u304c\u3088\u304f\u306a\u3044\u3068\u3001\u300c\u9ad8\u30ea\u30b9\u30af\u300d\u306a\u9867\u5ba2\u3068\u3044\u3046\u30ec\u30c3\u30c6\u30eb\u3092\u8cbc\u3089\u308c\u3001\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u306e\u3067\u3082\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u306e\u3067\u3082\u9ad8\u304f\u3064\u304f\u3053\u3068\u306b\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n<p>\u30a2\u30e1\u30ea\u30ab\u306b\u66ae\u3089\u3059\u9650\u308a\u3001\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u3068\u306e\u4ed8\u304d\u5408\u3044\u65b9\u3092\u5b66\u3076\u3068\u3068\u3082\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u7bc9\u304d\u7dad\u6301\u3057\u3066\u3044\u304f\u3053\u3068\u306f\u3068\u3066\u3082\u5927\u5207\u3067\u3059\u306d\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u3067\u672c\u4e00\u518a\u8cb7\u3046\u306e\u3067\u3082\u3001\u8eca\u306e\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u306e\u3067\u3082\u3001\u8acb\u6c42\u66f8\u3092\u3061\u3083\u3093\u3068\u51e6\u7406\u3059\u308b\u3053\u3068\u3082\u3001\u8cac\u4efb\u3092\u6301\u3063\u305f\u884c\u52d5\u304c\u3067\u304d\u3066\u3044\u308b\u304b\u306e\u6210\u7e3e\u304c\u3064\u3051\u3089\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/roadmap-to-excellent-credit\/\" >\u8ce2\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u3068\u306e\u4ed8\u304d\u5408\u3044\u65b9\u2015\u6210\u529f\u3078\u306e\u30ed\u30fc\u30c9\u30fb\u30de\u30c3\u30d7<\/a><\/strong><\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/credit-score-elemtns1\/\" >\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30b9\u30b3\u30a2\u3092\u6c7a\u3081\u308b\u8981\u7d20\u3000\uff0d\u3000\u30b9\u30b3\u30a2\u3092\u9ad8\u304f\u7dad\u6301\u3059\u308b\u306b\u306f(1)<\/a><\/strong><\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/checkthereport\/\" >\u3042\u306a\u305f\u306e\u30af\u30ec\u30b8\u30c3\u30c8 \u30ec\u30dd\u30fc\u30c8\u306f\u5927\u4e08\u592b\uff1f\u3000-\u3000\u5b9a\u671f\u30c1\u30a7\u30c3\u30af\u306e\u5fc5\u8981\u6027<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>\u30b7\u30d5\u30c8\u3055\u308c\u308b\u8cac\u4efb<\/strong><strong><\/strong><\/h2>\n<p>\u4ee5\u524d\u306f\u56fd\u3084\u4f01\u696d\u304c\u8acb\u3051\u8ca0\u3063\u3066\u304f\u308c\u3066\u3044\u305f\u8cac\u4efb\u304c\u3001\u500b\u4eba\u306b\u30b7\u30d5\u30c8\u3055\u308c\u3066\u304d\u3066\u3044\u308b\u306e\u3092\u611f\u3058\u3066\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u304b\uff1f\u3053\u3053\u6570\u5341\u5e74\u306e\u3046\u3061\u306b\u3001\u500b\u4eba\u306e\u8ffd\u3046\u3079\u304d\u8cac\u4efb\u306f\u3069\u3093\u3069\u3093\u5897\u3048\u3066\u304d\u3066\u3044\u308b\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001401(k)\u306e\u767b\u5834\u3002\u305d\u308c\u307e\u3067\u306fDefined Benefit Plan\uff08\u78ba\u5b9a\u7d66\u4ed8\u578b\uff09\u304c\u4e3b\u6d41\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u3042\u3068\u306b\u53d7\u3051\u3089\u308c\u308b\u7d66\u4ed8\u984d\u304c\u78ba\u5b9a\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u96c7\u7528\u8005\u306b\u3068\u3063\u3066\u306f\u3053\u308c\u306f\u975e\u5e38\u306b\u5b89\u5fc3\u306a\u3053\u3068\u3067\u3001\u4f01\u696d\u306e\u639b\u3051\u3066\u304f\u308c\u308b\u639b\u3051\u91d1\u3084\u81ea\u5206\u304c\u8ca0\u62c5\u3059\u308b\u639b\u3051\u91d1\u3055\u3048\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3066\u304a\u308c\u3070\u3001\u5c06\u6765\u3082\u3089\u3048\u308b\u5e74\u91d1\u304c\u3044\u304f\u3089\u304b\u306f\u3063\u304d\u308a\u3057\u3066\u3044\u305f\u308f\u3051\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u307e\u3067\u306e\u9593\u306e\u8cc7\u91d1\u904b\u7528\u306f\u4f01\u696d\u5074\u306e\u8cac\u4efb\u3067\u3042\u308a\u3001\u500b\u4eba\u306e\u8cac\u4efb\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002<\/p>\n<p>\u4eca\u3067\u306f\u3069\u3046\u304b\u3068\u3044\u3046\u3068\u3001\u4f01\u696d\u5e74\u91d1\u3001Defined Benefit Plan\u3068\u3044\u3046\u8a00\u8449\u306f\u6b7b\u6ec5\u3057\u3064\u3064\u3042\u308a\u307e\u3059\u3002\u4ee3\u308f\u3063\u3066\u3001Defined Contribution Plan(\u78ba\u5b9a\u62e0\u51fa\u578b)\u304c\u53f0\u982d\u3057\u3001\u4f01\u696d\u306f\u6c7a\u307e\u3063\u305f\u984d\u3092\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u3060\u3051\uff08\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u3060\u3051\u3067\u3082\u3042\u308a\u304c\u305f\u3044\u3053\u3068\u3067\u3059\u3051\u3069\uff09\u3002\u3042\u3068\u306e\u8cc7\u91d1\u904b\u7528\u306f\u3059\u3079\u3066\u500b\u4eba\u306e\u81ea\u5df1\u8cac\u4efb\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u3001\u3069\u306e\u304f\u3089\u3044\u8001\u5f8c\u8cc7\u91d1\u304c\u5f97\u3089\u308c\u308b\u304b\u306f\u3001\u3042\u306a\u305f\u306e\u904b\u7528\u6210\u7e3e\u6b21\u7b2c\u3002\u8003\u3048\u3066\u307f\u308c\u3070\u3001\u6050\u308d\u3057\u3044\u8cac\u4efb\u3067\u3059\u306d\u3002<\/p>\n<p>\u30b7\u30d5\u30c8\u3055\u308c\u305f\u8cac\u4efb\u306f\u3001\u8001\u5f8c\u306e\u751f\u6d3b\u3060\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u533b\u7642\u3082\u305d\u3046\u3067\u3059\u3002\u6700\u8fd1\u3067\u306fConsumer-directed Healthcare Plan\u3068\u3044\u3063\u3066\u3001HSA(Health Savings Account)\u3084 HRA(Health Reimbursement Arrangement)\u3068\u62b1\u304d\u5408\u308f\u305b\u3067Deductible\u3092\u9ad8\u304f\u8a2d\u5b9a\u3057\u305f\u30d7\u30e9\u30f3\uff08\u591a\u304f\u306e\u5834\u5408PPO\u30d7\u30e9\u30f3\u3002High Deductible\u30d7\u30e9\u30f3\u3068\u547c\u3070\u308c\u308b\uff09\u304c\u52a0\u5165\u8005\u3092\u4f38\u3070\u3057\u3066\u3044\u307e\u3059\u3002\u52a0\u5165\u8005\u304c\u4f38\u3073\u3066\u3044\u308b\u7406\u7531\u306f\u3001\u4f01\u696d\u3084\u56e3\u4f53\u304c\u300c\u3042\u307e\u308a\u75c5\u6c17\u306b\u306a\u3089\u306a\u3051\u308c\u3070\u3001\u5927\u304d\u304f\u4fdd\u967a\u6599\u3092\u7bc0\u7d04\u3067\u304d\u307e\u3059\uff01\u300d\u3068\u5f37\u529b\u306b\u30d7\u30ed\u30e2\u30fc\u30c8\u3057\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u3053\u308c\u306f\u3042\u306a\u304c\u3061\u30a6\u30bd\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u308c\u3089\u306e\u30d7\u30e9\u30f3\u306fconsumer-directed\u3001\u3064\u307e\u308a\u60a3\u8005\u3067\u3042\u308b\u6d88\u8cbb\u8005\u304c\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6\u3092\u3068\u308b\u4fdd\u967a\u30d7\u30e9\u30f3\u3067\u3059\u3002\u6d88\u8cbb\u8005\u304c\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6\u3092\u3068\u308b\u3068\u306f\u3001\u307e\u3055\u306b\u3001\u6d88\u8cbb\u8005\u306b\u3088\u308b\u533b\u7642\u306e\u8cea\u3068\u5024\u6bb5\u306e\u541f\u5473\u304c\u5fc5\u8981\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002\u4f01\u696d\u3084\u56e3\u4f53\u304c\u5f37\u529b\u306b\u30d7\u30ed\u30e2\u30fc\u30c8\u3057\u3066\u3044\u308b\u308f\u3051\u306f\u3001\u6d88\u8cbb\u8005\u3078\u8cac\u4efb\u3092\u79fb\u3059\u3053\u3068\u3067\u3001\u81ea\u5206\u305f\u3061\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u306b\u3064\u306a\u304c\u308b\u304b\u3089\u3067\u3059\u3002\u75c5\u6c17\u3092\u3057\u306a\u3044\u306a\u3089\u5b89\u304f\u3064\u304f\u3051\u3069\u3001\u75c5\u6c17\u3092\u3059\u308b\u3068\u5927\u5909\u306a\u30d7\u30e9\u30f3\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3088\u304f\u541f\u5473\u3057\u306a\u3044\u3067\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u3068\u3068\u3066\u3082\u9ad8\u304f\u3064\u304f\u30d7\u30e9\u30f3\u3067\u3042\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u3067\u3059\u3002\u805e\u3053\u3048\u306f\u3044\u3044\u304c\u3001\u5927\u304d\u306a\u8cac\u4efb\u3092\u8ca0\u308f\u3055\u308c\u308b\u30d7\u30e9\u3067\u3082\u3042\u308b\u306e\u3067\u3059\u3002<\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-select-health-insurance\/\" >\u5f8c\u6094\u3057\u306a\u3044\u5065\u5eb7\u4fdd\u967a\u306e\u9078\u629e\u30fc\u4fdd\u967a\u3067\u300c\u8ced\u3051\u300d\u3092\u3057\u3066\u3057\u307e\u308f\u306a\u3044\u3088\u3046\u306b<\/a><\/strong><\/p>\n<p><strong><a href=\"http:\/\/smartandresponsible.com\/blog\/fsa-hsa-hra\/\" >FSA\u3001HSA\u3001HRA\u3063\u3066\uff1f \u2013 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