unearned income

简明释义

非工资性收入,非营业收益

英英释义

例句

1.Some people prefer to focus on building unearned income rather than relying solely on their salaries.

有些人更愿意专注于建立非劳动收入，而不是仅仅依赖薪水。

2.Real estate investments often provide a steady stream of unearned income through rental payments.

房地产投资通常通过租金支付提供稳定的非劳动收入流。

3.Many retirees rely on unearned income to support their lifestyle after they stop working.

许多退休人员依靠非劳动收入来支持他们在停止工作后的生活方式。

4.Tax laws often treat unearned income differently from earned income, affecting how much tax you owe.

税法通常将非劳动收入与劳动收入区别对待，这会影响你所欠的税款。

5.Investments in stocks and bonds can generate significant unearned income over time.

对股票和债券的投资可以随着时间的推移产生可观的非劳动收入。

作文

Understanding the concept of unearned income is essential for anyone looking to manage their finances effectively. Unearned income refers to money that is earned without active involvement in a job or business. This type of income can come from various sources, including investments, rental properties, or government benefits. Unlike earned income, which is derived from working for a salary or wages, unearned income allows individuals to generate revenue passively.One common source of unearned income is interest earned on savings accounts or bonds. When individuals deposit money into a bank account, they typically earn interest over time. This interest is considered unearned income because it does not require the depositor to perform any work. Similarly, dividends from stocks are another form of unearned income. Investors who own shares in a company may receive periodic payments based on the company's profits, which again does not necessitate any labor on the part of the investor.Rental income is another significant category of unearned income. Property owners who rent out their homes or commercial spaces receive payments from tenants without having to engage in daily work. This can be a lucrative source of income, especially if the property appreciates in value over time. However, it is important to note that managing rental properties may require some effort, such as maintenance and dealing with tenants, but the income itself is still classified as unearned income.Government benefits, such as Social Security or unemployment insurance, also fall under the category of unearned income. These payments provide financial support to individuals who may not be actively working due to retirement or job loss. While these benefits serve an important social purpose, they represent income that is received without direct work effort.The distinction between earned and unearned income is crucial for tax purposes as well. In many jurisdictions, unearned income may be taxed at different rates than earned income. Understanding these differences can help individuals strategize their financial planning and maximize their after-tax income.Moreover, relying solely on unearned income can pose risks. Economic downturns can affect investments, leading to a decrease in dividends or interest rates. Similarly, rental properties may experience vacancies or declining property values, impacting the income generated from them. Therefore, while unearned income can provide financial stability, it is wise to diversify income sources to mitigate risks.In conclusion, unearned income plays a vital role in personal finance, offering individuals the opportunity to earn money without direct labor. Whether through investments, rental properties, or government benefits, understanding how to generate and manage unearned income can lead to greater financial independence. As individuals navigate their financial journeys, recognizing the importance of both earned and unearned income will empower them to make informed decisions that enhance their overall economic well-being.

有效理解和掌握“unearned income”这一概念对于任何希望有效管理财务的人来说都是至关重要的。unearned income指的是通过不主动参与工作或商业活动而获得的钱。这种收入可以来自多种来源，包括投资、租赁物业或政府福利。与通过工资或薪水获得的劳动收入不同，unearned income使个人能够被动地创造收入。一种常见的unearned income来源是储蓄账户或债券产生的利息。当个人将钱存入银行账户时，他们通常会随着时间的推移获得利息。这种利息被视为unearned income，因为它不需要存款人付出任何工作。类似地，股票的红利也是另一种形式的unearned income。拥有公司股份的投资者可能会根据公司的利润定期获得付款，这同样不需要投资者进行任何劳动。租金收入是unearned income的另一个重要类别。出租房屋或商业空间的物业所有者从租户那里获得付款，而无需进行日常工作。这可以成为一种有利可图的收入来源，尤其是当物业随时间升值时。然而，需要注意的是，管理租赁物业可能需要一些努力，例如维护和处理租户，但收入本身仍然被归类为unearned income。政府福利，如社会保障或失业保险，也属于unearned income的范畴。这些付款为由于退休或失业而可能不积极工作的人提供经济支持。虽然这些福利具有重要的社会目的，但它们代表的是没有直接工作努力而获得的收入。区分劳动收入和unearned income对于税务目的也至关重要。在许多司法管辖区，unearned income的税率可能与劳动收入不同。了解这些差异可以帮助个人制定财务规划策略，最大化税后收入。此外，单靠unearned income可能会带来风险。经济低迷可能会影响投资，导致股息或利率下降。同样，租赁物业可能会出现空置或物业价值下降，从而影响所产生的收入。因此，尽管unearned income可以提供财务稳定，但明智的做法是多样化收入来源以降低风险。总之，unearned income在个人财务中发挥着重要作用，为个人提供了通过非直接劳动获得收入的机会。无论是通过投资、租赁物业还是政府福利，了解如何生成和管理unearned income可以带来更大的财务独立性。当个人在财务旅程中前行时，认识到劳动收入和unearned income的重要性将使他们能够做出明智的决定，从而增强整体经济福祉。