To our customers at the Zhongshan branch
This branch will close permanently on 30 September. The nearest branch will then be Minsheng, a ten-minute walk away.
Customers over 70, or anyone who finds the change difficult, may ask for a home visit by calling 0800-221-118. Staff will help you move to online banking free of charge.
致中山分行的顧客
本分行將於九月三十日永久停業。屆時最近的分行為民生分行，步行約十分鐘。
七十歲以上顧客，或任何覺得轉換困難的人，可撥打 0800-221-118 申請到府服務。行員將免費協助您轉為網路銀行。
Economists have long noticed something unfair: it is expensive to have little money. A family that cannot pay a year's insurance all at once must pay monthly, and monthly costs more. A worker without a bank account pays a fee to cash a cheque. Without capital, a family cannot buy in bulk or mend a roof before it leaks.
Cheap shoes are another example. A pair that lasts four months may cost a third as much as a pair that lasts three years, but over a decade the cheap pair costs far more.
Some cities now lend small sums at no interest so that families can buy the yearly plan rather than the monthly one. Early results suggest that the loans are almost always repaid.
經濟學家很早就注意到一件不公平的事：錢少反而昂貴。一個無法一次付清整年保險的家庭必須按月繳，而按月比較貴。沒有銀行帳戶的工人兌現支票要付手續費。沒有資金，一個家庭無法整批採購，也無法在屋頂漏水前先修好。
便宜的鞋子是另一個例子。一雙只撐四個月的鞋，價格可能只有能穿三年那雙的三分之一，但十年下來，便宜那雙花的錢多得多。
有些城市現在提供無息小額借款，讓家庭可以買整年方案而非按月方案。初步結果顯示，這些借款幾乎都會如期還清。
Hi Wei,
You asked me yesterday whether to join the company savings plan, so here is what I know.
The company adds 50 cents for every dollar you put in, up to 5% of your salary. That part is simply free money, so I would put in at least 5%. It is the easiest financial decision I have ever made.
The money cannot be taken out until you leave the company or turn 60. That is the catch. If you think you may need cash for a flat in the next two years, keep some savings outside the plan as well.
Ask Ms. Liu in accounts for the form. It takes about ten minutes.
Ken
阿威你好：
你昨天問我要不要加入公司的儲蓄計畫，以下是我所知道的。
你每存一元，公司加五角，上限是薪水的百分之五。那部分等於是白拿的錢，所以我至少會存滿百分之五。那是我做過最輕鬆的財務決定。
這筆錢在你離職或滿六十歲之前不能領出。這是限制所在。如果你覺得未來兩年可能需要現金買房，也要在計畫之外留一些存款。
向會計部的劉小姐拿表格，大約十分鐘就能辦好。
阿肯
The table shows the percentage of monthly income that 500 households spend on each item.
| Item | Low income | Middle income | High income |
|---|---|---|---|
| Housing | 42% | 31% | 22% |
| Food | 28% | 21% | 14% |
| Transport | 11% | 14% | 13% |
| Savings | 3% | 15% | 31% |
Figures do not include one-off costs such as medical bills.
Households were grouped by monthly income before tax, and each figure is an average for that group.
下表顯示五百戶家庭每月收入中花在各項目上的百分比。
| 項目 | 低收入 | 中收入 | 高收入 |
|---|---|---|---|
| 住房 | 42% | 31% | 22% |
| 食物 | 28% | 21% | 14% |
| 交通 | 11% | 14% | 13% |
| 儲蓄 | 3% | 15% | 31% |
數字不含醫療費等一次性支出。
家庭依稅前月收入分組，每個數字為該組的平均值。