permanent income

简明释义

恒常收入,恒常所得

英英释义

例句

1.To plan for retirement, it’s important to consider your permanent income (永久收入) rather than just your salary.

为了规划退休，考虑你的永久收入（永久收入）而不仅仅是你的工资是很重要的。

2.Understanding your permanent income (永久收入) helps in making informed financial decisions.

了解你的永久收入（永久收入）有助于做出明智的财务决策。

3.Investments can increase your permanent income (永久收入) over time, providing financial security.

投资可以随着时间的推移增加你的永久收入（永久收入），提供财务安全。

4.Many economists believe that individuals base their consumption on their permanent income (永久收入) rather than their current earnings.

许多经济学家认为，个人的消费是基于他们的永久收入（永久收入），而不是他们的当前收入。

5.A stable job can provide a reliable source of permanent income (永久收入) for families.

一份稳定的工作可以为家庭提供可靠的永久收入（永久收入）来源。

作文

The concept of permanent income refers to the average income that a person expects to receive over a long period, rather than just focusing on current or temporary earnings. This idea was popularized by economist Milton Friedman in his Permanent Income Hypothesis, which suggests that individuals base their consumption choices not solely on their current income but also on their expected lifetime income. Understanding permanent income is crucial for both individuals and policymakers as it influences spending behaviors and economic stability.For individuals, recognizing the difference between current income and permanent income can lead to better financial planning. For instance, someone might receive a significant bonus at work one year, which could inflate their perception of their financial situation. If they mistakenly believe that this bonus reflects their long-term earning potential, they may increase their spending accordingly, leading to financial strain in subsequent years when their income returns to its usual level. By focusing instead on their permanent income, they can create a budget that aligns more closely with their expected earnings over time, allowing for savings and investments that contribute to long-term financial health.Moreover, understanding permanent income can help individuals make informed decisions about major life choices, such as buying a house or investing in education. When considering such investments, it is essential to assess not just current financial resources but also future earning potential. For example, a graduate entering the workforce may have a lower starting salary, but if they are in a field with high growth potential, their permanent income may be significantly higher than their initial earnings suggest. This foresight can encourage young professionals to invest in their careers and make strategic choices that will benefit them in the long run.From a policy perspective, understanding permanent income can aid in designing effective economic policies. For example, during economic downturns, governments often provide stimulus checks to boost consumer spending. However, if individuals view these payments as temporary rather than a part of their permanent income, they may choose to save the money instead of spending it, which could undermine the effectiveness of the stimulus. Policymakers must consider how people perceive their incomes when crafting economic strategies to ensure that they achieve the desired outcomes.In conclusion, the concept of permanent income plays a vital role in personal finance and economic policy. By understanding the difference between current income and expected long-term earnings, individuals can make wiser financial decisions that promote stability and growth. Likewise, policymakers can create more effective programs that align with how people perceive their financial futures. Ultimately, recognizing the significance of permanent income helps foster a more informed and financially secure society.

“永久收入”这一概念指的是一个人预期在较长时间内获得的平均收入，而不仅仅关注当前或临时的收入。这个观点是由经济学家米尔顿·弗里德曼在其《永久收入假说》中提出的，该假说认为，个人的消费选择不仅仅基于他们的当前收入，还基于他们的预期终身收入。理解永久收入对于个人和政策制定者都至关重要，因为它影响着消费行为和经济稳定。对于个人而言，认识到当前收入与永久收入之间的区别可以带来更好的财务规划。例如，有人可能在某一年获得了丰厚的奖金，这可能会夸大他们对财务状况的看法。如果他们错误地认为这笔奖金反映了他们的长期收入潜力，他们可能会相应地增加支出，从而导致在接下来的几年中，当他们的收入恢复到正常水平时，出现财务压力。通过专注于自己的永久收入，他们可以制定一个更符合预期收入的预算，从而允许储蓄和投资，促进长期财务健康。此外，理解永久收入可以帮助个人在重大生活选择上做出明智的决定，例如购房或投资教育。在考虑这些投资时，评估不仅是当前的财务资源，还有未来的收入潜力至关重要。例如，一名刚进入职场的毕业生起薪较低，但如果他们所处的领域具有较高的增长潜力，他们的永久收入可能远高于其初始收入所暗示的。这种前瞻性可以鼓励年轻专业人士投资于他们的职业，并做出有利于他们长期利益的战略选择。从政策的角度来看，理解永久收入可以帮助设计有效的经济政策。例如，在经济衰退期间，政府通常会提供刺激支票以促进消费者支出。然而，如果个人将这些付款视为临时的，而不是其永久收入的一部分，他们可能会选择存钱而不是花钱，这可能会削弱刺激措施的有效性。政策制定者在制定经济策略时必须考虑人们如何看待他们的收入，以确保实现预期的结果。总之，永久收入的概念在个人财务和经济政策中发挥着至关重要的作用。通过理解当前收入与预期长期收入之间的区别，个人可以做出更明智的财务决策，促进稳定和增长。同样，政策制定者可以制定更有效的项目，使其与人们对财务未来的看法相一致。最终，认识到永久收入的重要性有助于培养一个更具信息化和财务安全的社会。