nominal income

简明释义

名义收入

英英释义

例句

1.To evaluate financial health, one must consider both nominal income and expenses.

评估财务健康时，必须考虑名义收入和支出。

2.The government reported an increase in nominal income for households this year.

政府报告称，今年家庭的名义收入有所增加。

3.Many people confuse nominal income with real income, not realizing the impact of inflation.

许多人将名义收入与实际收入混淆，没有意识到通货膨胀的影响。

4.His nominal income is $50,000 a year, but after adjusting for inflation, his real income is much lower.

他的名义收入是每年50,000美元，但经过通货膨胀调整后，他的实际收入要低得多。

5.Despite a rise in nominal income, many families are struggling due to rising costs of living.

尽管名义收入上升，但许多家庭因生活成本上涨而苦苦挣扎。

作文

Understanding the concept of nominal income is crucial for anyone looking to navigate the complexities of personal finance and economic analysis. Nominal income refers to the amount of money earned in current dollars, without adjusting for inflation or changes in purchasing power. This means that it represents the actual dollar amount received by an individual or household during a specific period, typically a year. For example, if someone earns $50,000 in a year, that figure is their nominal income. However, this number does not reflect how much that income can actually buy in terms of goods and services over time.One important aspect to consider when discussing nominal income is its relationship with inflation. Inflation is the rate at which the general level of prices for goods and services rises, eroding purchasing power. Therefore, even if an individual’s nominal income increases, their real income—adjusted for inflation—may remain stagnant or even decline. For instance, if the inflation rate is 3% and a person receives a raise from $50,000 to $52,000, their nominal income has increased. However, if the cost of living has also risen by 3%, their real income remains the same, as the additional income does not translate into increased purchasing power.Another significant point to consider is the impact of nominal income on taxation. Many tax systems are based on nominal income, meaning that individuals may find themselves pushed into higher tax brackets simply due to inflationary increases in their earnings. This phenomenon is often referred to as 'bracket creep.' As a result, understanding the distinction between nominal income and real income becomes essential for effective financial planning and tax strategy.Moreover, nominal income plays a vital role in economic indicators and policies. Economists use nominal income to gauge the overall health of an economy. It can influence decisions related to interest rates, government spending, and monetary policy. When analyzing economic growth, it is essential to differentiate between nominal income growth and real income growth, as the latter gives a clearer picture of whether people are genuinely better off or just experiencing inflation-driven increases in wages.In conclusion, while nominal income is a straightforward measure of earnings, its implications are far-reaching. Understanding nominal income helps individuals make informed decisions regarding their finances, recognize the effects of inflation, and navigate the complexities of the tax system. It is imperative to look beyond the surface of nominal income and consider the real purchasing power it provides, ensuring that one’s financial strategies are based on a comprehensive understanding of both nominal and real income dynamics. By doing so, individuals can better prepare for their financial futures and make sound economic choices that align with their long-term goals.

理解名义收入的概念对于任何想要驾驭个人财务和经济分析复杂性的人来说都是至关重要的。名义收入是指在当前美元中赚取的金额，没有调整通货膨胀或购买力变化。这意味着它代表了个人或家庭在特定时期内（通常是一年）实际收到的美元金额。例如，如果某人在一年内赚取$50,000，那么这个数字就是他们的名义收入。然而，这个数字并不反映该收入在时间上可以购买的商品和服务的数量。讨论名义收入时需要考虑的一个重要方面是它与通货膨胀的关系。通货膨胀是商品和服务的一般价格水平上升的速度，从而侵蚀购买力。因此，即使个人的名义收入增加，他们的真实收入（经过通货膨胀调整后）可能保持不变，甚至下降。例如，如果通货膨胀率为3%，而一个人的收入从$50,000提高到$52,000，他们的名义收入确实增加了。然而，如果生活成本也上升了3%，那么他们的真实收入仍然保持不变，因为额外的收入并没有转化为更高的购买力。另一个需要考虑的重要点是名义收入对税收的影响。许多税制是基于名义收入的，这意味着个人可能会因为收入的通货膨胀性增加而被推入更高的税率区间。这种现象通常被称为“档位爬升”。因此，理解名义收入和真实收入之间的区别，对于有效的财务规划和税务策略至关重要。此外，名义收入在经济指标和政策中也起着重要作用。经济学家使用名义收入来衡量经济的整体健康状况。它可以影响与利率、政府支出和货币政策相关的决策。在分析经济增长时，区分名义收入增长和真实收入增长至关重要，因为后者提供了人们是否真正富裕的更清晰的图景，或者只是经历了通货膨胀驱动的工资增加。总之，尽管名义收入是一个简单的收入衡量标准，但其影响深远。理解名义收入有助于个人做出明智的财务决策，认识到通货膨胀的影响，并驾驭复杂的税制。必须超越名义收入的表面，考虑它所提供的真实购买力，以确保一个人的财务策略基于对名义收入和真实收入动态的全面理解。通过这样做，个人可以更好地为自己的财务未来做好准备，并做出符合其长期目标的合理经济选择。