outlay cost; out-of-pocket cost

简明释义

付现成本

英英释义

例句

1.The outlay cost 支出成本 of purchasing new equipment was higher than anticipated.

购买新设备的outlay cost支出成本超出了预期。

2.Many patients are surprised by their out-of-pocket cost 自付费用 after receiving medical treatment.

许多患者在接受医疗治疗后对自己的out-of-pocket cost自付费用感到惊讶。

3.After the insurance payout, my out-of-pocket cost 自付费用 for the surgery was significantly reduced.

在保险赔付后，我的手术out-of-pocket cost自付费用大大减少了。

4.The initial outlay cost 初始支出成本 for starting a business can be quite high.

开办一家企业的初始outlay cost初始支出成本可能相当高。

5.When budgeting for a home renovation, it's important to consider both the outlay cost 支出成本 and potential hidden costs.

在为家庭装修制定预算时，考虑到outlay cost支出成本和潜在的隐藏费用是很重要的。

作文

Understanding the concepts of outlay cost and out-of-pocket cost is essential for anyone looking to manage their finances effectively. These terms are frequently used in budgeting, financial planning, and accounting, and they can significantly impact how individuals and businesses make economic decisions.Firstly, let’s define what outlay cost means. This term refers to the total amount of money that is spent on acquiring goods or services. It encompasses all expenses incurred during a transaction, including purchase price, taxes, and any additional fees. For instance, if a business purchases a new piece of equipment for $10,000, and there are additional costs such as installation fees of $1,000 and taxes of $500, the total outlay cost would be $11,500. Understanding this concept is crucial for businesses as it helps them assess their overall expenditure and plan their budgets accordingly.On the other hand, out-of-pocket cost refers to the expenses that an individual must pay directly from their own funds, without reimbursement from insurance or other sources. This term is commonly used in the context of healthcare, where patients may have to pay certain fees directly, such as copayments, deductibles, or services not covered by insurance. For example, if a patient visits a doctor and pays a $20 copayment, that amount is considered an out-of-pocket cost. Understanding these costs is vital for individuals to manage their healthcare expenses effectively and avoid unexpected financial burdens.Both outlay costs and out-of-pocket costs play significant roles in personal and business financial planning. For individuals, knowing the difference between these two types of costs can help in budgeting and saving for future expenses. For instance, when planning for a vacation, a person might calculate the total outlay cost for travel, accommodation, and activities, while also considering any out-of-pocket costs they may incur during their trip, such as meals and souvenirs.For businesses, understanding outlay costs is critical for pricing products and services. By calculating the total outlay cost associated with producing a product, businesses can set prices that ensure profitability. Additionally, companies need to consider out-of-pocket costs when determining employee benefits or health insurance plans. If employees face high out-of-pocket costs, it may affect their job satisfaction and productivity.In conclusion, both outlay cost and out-of-pocket cost are important financial concepts that everyone should understand. They influence budgeting decisions, financial planning, and overall economic well-being. By grasping these terms and their implications, individuals and businesses can make more informed financial choices, ultimately leading to better financial stability and success. Whether you are managing personal finances or running a business, being aware of these costs will empower you to take control of your financial future.

理解支出成本和自付费用的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。这些术语在预算、财务规划和会计中经常使用，并且它们可以显著影响个人和企业如何做出经济决策。首先，让我们定义一下支出成本的含义。这个术语指的是为了获得商品或服务而花费的总金额。它包括在交易过程中产生的所有费用，包括购买价格、税费和任何额外费用。例如，如果一家公司以10,000美元购买一台新设备，并且还有安装费用1,000美元和税费500美元，那么总的支出成本将是11,500美元。理解这个概念对企业至关重要，因为它帮助他们评估整体支出并相应地规划预算。另一方面，自付费用指的是个人必须直接用自己的资金支付的费用，而没有保险或其他来源的报销。这一术语通常用于医疗保健的上下文中，患者可能需要直接支付某些费用，例如共支付、免赔额或保险不覆盖的服务。例如，如果患者去看医生并支付了20美元的共支付，这个金额被视为自付费用。了解这些费用对个人有效管理医疗费用至关重要，并避免意外的经济负担。支出成本和自付费用在个人和企业财务规划中都发挥着重要作用。对于个人来说，了解这两种成本之间的区别有助于预算和为未来的开支储蓄。例如，在计划度假时，一个人可能会计算旅行、住宿和活动的总支出成本，同时考虑他们在旅行期间可能产生的任何自付费用，例如餐费和纪念品。对于企业来说，理解支出成本对于定价产品和服务至关重要。通过计算与生产产品相关的总支出成本，企业可以设定确保盈利的价格。此外，公司在确定员工福利或健康保险计划时也需要考虑自付费用。如果员工面临高额的自付费用，这可能会影响他们的工作满意度和生产力。总之，支出成本和自付费用是每个人都应该理解的重要财务概念。它们影响预算决策、财务规划和整体经济福祉。通过掌握这些术语及其含义，个人和企业可以做出更明智的财务选择，最终实现更好的财务稳定和成功。无论您是在管理个人财务还是经营企业，意识到这些成本将使您能够掌控自己的财务未来。