gross income

简明释义

毛收入

英英释义

例句

1.Understanding your gross income can help you budget effectively.

了解你的总收入可以帮助你有效地制定预算。

2.Many lenders require proof of your gross income when applying for a mortgage.

许多贷款机构在申请抵押贷款时要求提供你的总收入证明。

3.Employees often receive a pay stub showing their gross income and deductions.

员工通常会收到一份工资单，显示他们的总收入和扣除项。

4.Before taxes, my annual gross income is $50,000.

在税前，我的年总收入是50,000美元。

5.To calculate your net income, subtract your expenses from your gross income.

要计算你的净收入，从你的总收入中减去你的支出。

作文

Understanding the concept of gross income is essential for anyone who wishes to manage their finances effectively. In simple terms, gross income refers to the total earnings an individual or business receives before any deductions such as taxes, expenses, or other liabilities are subtracted. It serves as a crucial starting point for evaluating one’s financial health and planning for future expenses. For individuals, gross income can include wages, salaries, bonuses, rental income, dividends, and any other sources of income. Knowing your gross income allows you to establish a budget and understand how much money you have available for spending and saving. For instance, if someone earns a salary of $50,000 a year, their gross income is $50,000. However, this figure does not reflect the amount they take home after taxes and other deductions, which is referred to as net income.On the other hand, businesses also need to calculate their gross income to assess their profitability. For a business, gross income is calculated by subtracting the cost of goods sold (COGS) from total revenue. This figure indicates how efficiently a company is producing its goods or services. For example, if a company generates $200,000 in revenue but incurs $120,000 in costs to produce its products, the gross income would be $80,000. Understanding this metric helps business owners make informed decisions about pricing, budgeting, and investment opportunities.Moreover, analyzing gross income can provide insights into economic trends and personal financial behavior. For instance, during economic downturns, many people may experience a reduction in their gross income due to job losses or reduced hours. This decline can lead to increased financial strain and necessitate adjustments in spending habits. Similarly, businesses may face lower gross income levels during recessions, prompting them to cut costs or pivot their strategies to maintain profitability.It is also important to note that while gross income is a valuable measure, it should not be the sole focus when evaluating financial health. Individuals and businesses must consider their expenses, debts, and savings goals. By comparing gross income with total expenses, one can determine whether they are living within their means or accumulating debt. This holistic approach to financial management ensures that one is not only aware of their earnings but also their spending habits and overall financial obligations.In conclusion, understanding gross income is fundamental for effective financial management. Whether for personal finance or business operations, recognizing what constitutes gross income and how it impacts overall financial health is crucial. By keeping track of gross income and aligning it with expenses and savings goals, individuals and businesses can pave the way toward a more secure financial future. Ultimately, having a clear grasp of gross income empowers individuals and organizations to make informed decisions that can lead to financial stability and growth.

理解总收入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。简单来说，总收入是指个人或企业在扣除税款、费用或其他负债之前所获得的全部收入。它作为评估一个人财务健康状况和规划未来支出的关键起点。对于个人来说，总收入可以包括工资、薪水、奖金、租金收入、股息以及其他任何收入来源。了解自己的总收入可以帮助你建立预算，明白自己有多少可用于消费和储蓄的资金。例如，如果某人的年薪为50,000美元，那么他们的总收入就是50,000美元。然而，这个数字并不反映他们在扣除税款和其他扣除后的实际收入，即净收入。另一方面，企业也需要计算其总收入以评估盈利能力。对于企业而言，总收入是通过从总收入中减去销售成本（COGS）来计算的。这个数字表明公司在生产商品或提供服务方面的效率。例如，如果一家公司产生了200,000美元的收入，但为了生产其产品而支出了120,000美元的成本，那么总收入将为80,000美元。理解这一指标有助于企业主做出关于定价、预算和投资机会的明智决策。此外，分析总收入可以提供对经济趋势和个人财务行为的洞察。例如，在经济低迷时期，许多人可能会由于失业或工时减少而经历总收入的下降。这种下降可能导致财务压力增加，并需要调整消费习惯。同样，企业在衰退期间可能面临较低的总收入水平，这促使他们削减成本或改变策略以维持盈利能力。还需要注意的是，尽管总收入是一个有价值的衡量标准，但在评估财务健康状况时不应仅关注这一点。个人和企业必须考虑其支出、债务和储蓄目标。通过将总收入与总支出进行比较，可以确定他们是否在量入为出或积累债务。这种全面的财务管理方法确保人们不仅了解自己的收入，还了解自己的消费习惯和整体财务义务。总之，理解总收入是有效财务管理的基础。无论是个人财务还是商业运营，认识到什么构成了总收入以及它如何影响整体财务健康都是至关重要的。通过跟踪总收入并将其与支出和储蓄目标对齐，个人和企业可以为更安全的财务未来铺平道路。最终，清楚掌握总收入使个人和组织能够做出明智的决策，从而实现财务稳定和增长。