{"id":13612,"date":"2022-09-01T14:04:31","date_gmt":"2022-09-01T18:04:31","guid":{"rendered":"https:\/\/18fbf770e8.nxcli.io\/?p=13612"},"modified":"2022-09-01T14:04:35","modified_gmt":"2022-09-01T18:04:35","slug":"back-to-school-means-back-to-scamming%ef%bf%bc","status":"publish","type":"post","link":"https:\/\/napolilaw.lemonadestand.org\/zh\/article\/back-to-school-means-back-to-scamming%ef%bf%bc\/","title":{"rendered":"\u56de\u5230\u5b66\u6821\u5c31\u610f\u5473\u7740\u56de\u5230\u9a97\u5c40"},"content":{"rendered":"<p>\u9664\u4e86\u5047\u671f\uff0c\u7ebd\u7ea6\u7684\u7236\u6bcd\u5728\u8fd4\u6821\u671f\u95f4\u82b1\u8d39\u7684\u94b1\u6bd4\u4e00\u5e74\u4e2d\u7684\u4efb\u4f55\u5176\u4ed6\u65f6\u95f4\u90fd\u591a\u3002 <a href=\"https:\/\/dos.ny.gov\/news\/consumer-alert-new-york-state-division-consumer-protection-provides-targeted-back-school-tips\" target=\"_blank\" rel=\"noopener\">\u4e0d\u9053\u5fb7\u7684\u4e2a\u4eba\u548c\u516c\u53f8<\/a> \u975e\u5e38\u613f\u610f\u5f97\u5230\u8fd9\u7b14\u94b1\u7684\u4e00\u90e8\u5206\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.napolilaw.lemonadestand.org\/wp-content\/uploads\/2022\/09\/bigstock-Primary-School-Pupil-Boy-And-423492032-1024x683.jpg\" alt=\"\u5b69\u5b50\u4eec\u56de\u5230\u5b66\u6821\uff0c\u5728\u8857\u4e0a\u5954\u8dd1 \" class=\"wp-image-13650\" srcset=\"https:\/\/napolilaw.lemonadestand.org\/wp-content\/uploads\/2022\/09\/bigstock-Primary-School-Pupil-Boy-And-423492032-1024x683.jpg 1024w, https:\/\/napolilaw.lemonadestand.org\/wp-content\/uploads\/2022\/09\/bigstock-Primary-School-Pupil-Boy-And-423492032-500x333.jpg 500w, https:\/\/napolilaw.lemonadestand.org\/wp-content\/uploads\/2022\/09\/bigstock-Primary-School-Pupil-Boy-And-423492032-768x512.jpg 768w, https:\/\/napolilaw.lemonadestand.org\/wp-content\/uploads\/2022\/09\/bigstock-Primary-School-Pupil-Boy-And-423492032-1536x1024.jpg 1536w, https:\/\/napolilaw.lemonadestand.org\/wp-content\/uploads\/2022\/09\/bigstock-Primary-School-Pupil-Boy-And-423492032-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u7ebd\u7ea6\u6d88\u8d39\u8005\u4fdd\u62a4\u5c40\u63d0\u9192\u5728\u7ebf\u8d2d\u7269\u7684\u4eba\u53ea\u80fd\u4f7f\u7528\u5e26\u6709\u6302\u9501\u56fe\u6807\u548c\u201cHTTPS\u201d\u5730\u5740\u7684\u7f51\u7ad9\u3002\u6b64\u5916\uff0c\u7ebd\u7ea6\u5dde\u56fd\u52a1\u537f\u7f57\u4f2f\u7279\u00b7\u7f57\u5fb7\u91cc\u683c\u65af (Robert J. Rodriguez) \u6307\u51fa\uff0c\u5982\u679c\u5e7f\u544a\u63d0\u4f9b 50% \u7684\u6298\u6263\u6216\u5176\u4ed6\u6781\u7aef\u4f18\u60e0\uff0c\u5219\u5f88\u53ef\u80fd\u662f\u9a97\u5c40\u3002\u00a0<\/p>\n\n\n\n<p>\u9690\u79c1\u6cc4\u9732\u4e5f\u662f\u4e00\u4e2a\u95ee\u9898\u3002\u53ea\u5c06\u60a8\u5b69\u5b50\u7684\u5168\u540d\u5199\u5728\u4e66\u672c\u3001\u80cc\u5305\u548c\u5176\u4ed6\u6b64\u7c7b\u7269\u54c1\u7684\u5185\u4fa7\u3002\u6b64\u5916\uff0c\u8bf7\u6ce8\u610f\u5b66\u6821\u548c\u8bfe\u540e\u7ec4\u7ec7\u5982\u4f55\u4f7f\u7528\u4ed6\u4eec\u6536\u96c6\u7684\u5728\u7ebf\u4fe1\u606f\u3002 \u201c\u5b69\u5b50\u4eec\u4e0d\u5e94\u8be5\u4e3a\u4e86\u505a\u4f5c\u4e1a\u800c\u653e\u5f03\u4ed6\u4eec\u7684\u9690\u79c1\u6743\uff0c\u201d\u7f57\u5fb7\u91cc\u683c\u65af\u8bc4\u8bba\u9053\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u8bc8\u9a97<strong><\/strong><\/p>\n\n\n\n<p>\u8bb8\u591a\u5bb6\u5ead\u9760\u85aa\u6c34\u751f\u6d3b\u3002\u5927\u81f4 <a href=\"https:\/\/www.cnbc.com\/2022\/01\/19\/56percent-of-americans-cant-cover-a-1000-emergency-expense-with-savings.html\" target=\"_blank\" rel=\"noopener\">60%<\/a> \u7684\u7f8e\u56fd\u4eba\u7684\u50a8\u84c4\u5c11\u4e8e $1,000\u3002\u56e0\u6b64\uff0c\u4e00\u573a\u91d1\u878d\u9a97\u5c40\uff0c\u54ea\u6015\u53ea\u662f\u8ba9\u4ed6\u4eec\u635f\u5931\u51e0\u767e\u5143\uff0c\u4e5f\u53ef\u80fd\u4f1a\u9020\u6210\u4e25\u91cd\u540e\u679c\u3002\u9700\u8981\u6ce8\u610f\u7684\u4e00\u4e9b\u5e38\u89c1\u95ee\u9898\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>\u9884\u4ed8\u8d39\u7528\u6b3a\u8bc8<\/strong>\uff1a\u6b64\u8ba1\u5212\u4e5f\u79f0\u4e3a\u9884\u4ed8\u8d39\u7528\u6b3a\u8bc8\uff0c\u627f\u8bfa\u63d0\u4f9b\u5546\u54c1\u3001\u91d1\u94b1\u3001\u670d\u52a1\u6216\u6298\u6263\u4ee5\u6362\u53d6\u524d\u671f\u4f1a\u5458\u8d39\u3001\u7a0e\u6b3e\u6216\u53c2\u4e0e\u8d39\u3002\u8fd9\u79cd\u9a97\u5c40\u7684\u4e00\u79cd\u53d8\u4f53\u6d89\u53ca\u5e2e\u52a9\u6267\u6cd5\u90e8\u95e8\u6293\u5c0f\u5077\u3002<\/li><li>\u5c3c\u65e5\u5229\u4e9a\u6b3a\u8bc8\uff1a\u8fd9\u4e2a\u53e4\u8001\u7684\u8ba1\u5212\u7ed3\u5408\u4e86\u524d\u671f\u8d39\u7528\u6b3a\u8bc8\u548c\u6570\u636e\u6cc4\u9732\u3002\u5982\u679c\u6536\u4ef6\u4eba\u5bc4\u51e0\u767e\u7f8e\u5143\u6216\u51e0\u5343\u7f8e\u5143\uff0c\u5bc4\u4ef6\u4eba\u627f\u8bfa\u67d0\u67d0\u592a\u5b50\u53d1\u8d22\u81f4\u5bcc\u3002\u6216\u8005\uff0c\u53d1\u4ef6\u4eba\u8981\u6c42\u63d0\u4f9b\u4e2a\u4eba\u94f6\u884c\u5e10\u6237\u4fe1\u606f\u4ee5\u8f6c\u79fb\u8fd9\u4e9b\u5de8\u989d\u8d22\u5bcc\u3002<\/li><li><strong>\u672c\u7968\u6b3a\u8bc8<\/strong>: \u8fd9\u4e2a\u6bd4\u8f83\u590d\u6742\u3002\u5927\u591a\u6570\u4eba\u4fe1\u4efb\u94f6\u884c\u672c\u7968\uff0c\u8fd9\u79cd\u652f\u7968\u76f8\u5bf9\u5bb9\u6613\u4f2a\u9020\u3002\u5f53\u5b58\u6b3e\u4eba\u5c06\u94f6\u884c\u672c\u7968\u5b58\u5165\u8d26\u6237\u65f6\uff0c\u6cd5\u5f8b\u8981\u6c42\u94f6\u884c\u8fc5\u901f\u63d0\u4f9b\u8d44\u91d1\uff0c\u5373\u4f7f\u652f\u7968\u5c1a\u672a\u7ed3\u6e05\u3002\u5f53\u7968\u636e\u672a\u4ed8\u8fd8\u6b3e\u65f6\uff0c\u94f6\u884c\u901a\u5e38\u4f1a\u51b2\u9500\u8d39\u7528\u5e76\u5c06\u8d44\u91d1\u4ece\u5b58\u6b3e\u4eba\u7684\u8d26\u6237\u4e2d\u6263\u9664\u3002<\/li><li><strong>\u503a\u52a1\u6d88\u9664\u6b3a\u8bc8<\/strong>\uff1a\u8fd9\u4e9b\u8bc8\u9a97\u8005\u627f\u8bfa\u8ba9\u60a8\u65e0\u503a\u52a1\uff0c\u4ee5\u6362\u53d6\u4ed6\u4eec\u53ea\u9700\u652f\u4ed8\u9002\u5ea6\u7684\u9884\u4ed8\u8d39\u7528\u6216\u4f1a\u5458\u8d39\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u5982\u679c\u8981\u7ea6\u627f\u8bfa\u7684\u4e1c\u897f\u597d\u5f97\u4ee4\u4eba\u96be\u4ee5\u7f6e\u4fe1\uff0c\u90a3\u4e48\u5b83\u5f88\u53ef\u80fd\u662f\u5047\u7684\u3002<\/li><\/ul>\n\n\n\n<p>\u4e00\u822c\u6765\u8bf4\uff0c\u53d7\u5bb3\u8005\u5f88\u96be\u5728\u8fd9\u4e9b\u9a97\u5c40\u4e2d\u53d6\u56de\u4ed6\u4eec\u7684\u94b1\u3002\u8bc8\u9a97\u8005\u901a\u5e38\u51e0\u4e4e\u65e0\u6cd5\u627e\u5230\u3002&nbsp;<\/p>\n\n\n\n<p>\u5982\u679c\u6b3a\u8bc8\u662f\u4e00\u4e2a\u7cbe\u5fc3\u8bbe\u8ba1\u7684\u5927\u89c4\u6a21\u8ba1\u5212\uff0c\u5982\u91d1\u5b57\u5854\u8ba1\u5212\uff0c\u60c5\u51b5\u5c31\u4e0d\u540c\u4e86\u3002 A <a href=\"https:\/\/napolilaw.lemonadestand.org\/zh\/%e7%bb%83%e4%b9%a0%e5%8c%ba\/%e4%ba%ba%e8%ba%ab%e4%bc%a4%e5%ae%b3\/\">\u7ebd\u7ea6\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08<\/a> \u901a\u5e38\u53ea\u9700\u4e00\u5c01\u8981\u6c42\u51fd\u5373\u53ef\u83b7\u5f97\u8d54\u507f\u3002\u4f46\u5927\u591a\u6570\u9a97\u5b50\u90fd\u662f\u5c0f\u4eba\u7269\uff0c\u5728\u8bb8\u591a\u60c5\u51b5\u4e0b\uff0c\u4ed6\u4eec\u4e0d\u4f4f\u5728\u7ebd\u7ea6\uff0c\u751a\u81f3\u4e0d\u4f4f\u5728\u7f8e\u56fd\u3002<\/p>\n\n\n\n<p>\u6570\u636e\u6cc4\u9732<strong><\/strong><\/p>\n\n\n\n<p>\u6570\u636e\u9690\u79c1\u6cc4\u9732\u5728\u5c0f\u578b\u4f01\u4e1a\u4e2d\u975e\u5e38\u666e\u904d\u3002\u901a\u5e38\uff0c\u8fd9\u4e9b\u5c0f\u516c\u53f8\u6ca1\u6709\u4e0e\u94f6\u884c\u3001\u533b\u9662\u6216\u5176\u4ed6\u6b64\u7c7b\u673a\u6784\u76f8\u540c\u7684\u7535\u5b50\u4fdd\u62a4\u3002\u56e0\u6b64\uff0c\u5373\u4f7f\u662f\u76f8\u5bf9\u7f3a\u4e4f\u7ecf\u9a8c\u7684\u9ed1\u5ba2\u4e5f\u53ef\u4ee5\u7a83\u53d6\u94f6\u884c\u8d26\u6237\u6570\u636e\u3001\u4fe1\u7528\u5361\u53f7\u7801\u548c\u5176\u4ed6\u4e2a\u4eba\u4fe1\u606f\u3002<\/p>\n\n\n\n<p>\u6709\u65f6\uff0c\u9ed1\u5ba2\u5e76\u4e0d\u60f3\u8981\u94b1\u3002\u8bb8\u591a\u201c\u9ed1\u5ba2\u884c\u52a8\u4e3b\u4e49\u8005\u201d\u95ef\u5165\u7535\u5b50\u7cfb\u7edf\u4ee5\u7834\u574f\u6216\u66b4\u9732\u5b83\u4eec\u3002\u5b9e\u9645\u4e0a\uff0c\u5728\u5f88\u591a\u60c5\u51b5\u4e0b\uff0c\u9ed1\u5ba2\u751a\u81f3\u5e76\u4e0d\u60f3\u8981\u8fd9\u4e9b\u4e1c\u897f\u3002\u8bb8\u591a\u4eba\u95ef\u5165\u7535\u5b50\u6570\u636e\u5e93\u53ea\u662f\u4e3a\u4e86\u5411\u81ea\u5df1\u8bc1\u660e\u4ed6\u4eec\u53ef\u4ee5\u505a\u5230\u3002<\/p>\n\n\n\n<p>\u5927\u591a\u6570\u9690\u79c1\u6cc4\u9732\u4e8b\u4ef6\u7684\u53d1\u751f\u662f\u56e0\u4e3a\u6709\u4eba\u5c06 U 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<a href=\"https:\/\/napolilaw.lemonadestand.org\/zh\/%e8%81%94%e7%b3%bb%e6%88%91%e4%bb%ac\/\">\u7ebd\u7ea6\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08<\/a>, 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