actual balance of money; real money balance

简明释义

实际货币余额

英英释义

例句

1.Before making any investments, it's crucial to check your actual balance of money 实际货币余额 to ensure you have enough funds.

在进行任何投资之前，检查你的实际货币余额 actual balance of money是至关重要的，以确保你有足够的资金。

2.At the end of the month, I reviewed my finances and calculated my actual balance of money 实际货币余额 after all expenses.

在月底，我审查了我的财务状况，并在所有支出后计算了我的实际货币余额 actual balance of money。

3.To avoid overdraft fees, always keep track of your real money balance 真实货币余额 before making large purchases.

为了避免透支费用，在进行大额购买之前，始终跟踪你的真实货币余额 real money balance。

4.It's important to understand the difference between your real money balance 真实货币余额 and your available credit.

理解你的真实货币余额 real money balance与可用信用之间的区别是很重要的。

5.The bank statement showed an actual balance of money 实际货币余额 that was significantly lower than expected.

银行对账单显示的实际货币余额 actual balance of money明显低于预期。

作文

In the world of finance and economics, understanding the concept of actual balance of money; real money balance is crucial for both individuals and businesses. This term refers to the amount of money that is readily available for spending or investment after accounting for inflation and other economic factors. In simpler terms, it represents the true purchasing power of the money one possesses. The importance of recognizing the actual balance of money; real money balance cannot be overstated, as it plays a significant role in budgeting, financial planning, and investment strategies.To illustrate this concept, let’s consider an example. Imagine you have $1,000 saved up in your bank account. At first glance, it seems like you have a substantial amount of money. However, if the inflation rate is at 3% per year, the value of that $1,000 will decrease over time. After one year, the actual balance of money; real money balance would only be equivalent to approximately $970 in today's dollars. This means that while you still have the same nominal amount of money, its purchasing power has diminished due to inflation.Understanding the actual balance of money; real money balance is especially important when making long-term financial decisions. For instance, if you plan to save for retirement, it is essential to consider how inflation will erode your savings over time. Simply saving a certain amount of money without accounting for inflation could lead to a situation where, upon retirement, you find that your savings do not provide the lifestyle you had anticipated.Moreover, the actual balance of money; real money balance also affects investment choices. Investors need to evaluate the real returns on their investments, which are calculated by subtracting the inflation rate from the nominal return. For example, if an investment yields a 5% return but the inflation rate is 2%, the real return is only 3%. Understanding this distinction enables investors to make more informed decisions about where to allocate their resources to achieve optimal growth.Furthermore, businesses must also consider the actual balance of money; real money balance when planning their budgets. Companies often face rising costs due to inflation, which can impact their profit margins. By accurately assessing their real money balance, businesses can make strategic decisions regarding pricing, wage increases, and investment in new projects. Failure to account for the real value of money could result in financial miscalculations and ultimately jeopardize the business's viability.In conclusion, the concept of actual balance of money; real money balance is vital for effective financial management. It goes beyond merely looking at the numbers in a bank account; it requires a deeper understanding of how inflation impacts purchasing power and the overall economy. By grasping this concept, individuals and businesses alike can make better financial decisions that lead to greater stability and growth. As we navigate through our financial lives, it is essential to keep in mind the significance of the actual balance of money; real money balance in order to secure our financial futures.

在金融和经济的世界中，理解“实际货币余额；真实货币余额”这一概念对于个人和企业都至关重要。这个术语指的是在考虑通货膨胀和其他经济因素后，随时可用于消费或投资的货币金额。简单来说，它代表了一个人所拥有的货币的真正购买力。认识到“实际货币余额；真实货币余额”的重要性不容小觑，因为它在预算、财务规划和投资策略中扮演着重要角色。为了说明这个概念，让我们考虑一个例子。假设你在银行账户中存有1000美元。乍一看，这似乎是一个可观的金额。然而，如果通货膨胀率为每年3%，那么这1000美元的价值将随着时间的推移而下降。一年后，“实际货币余额；真实货币余额”的实际价值将仅约相当于970美元。这意味着，尽管你仍然拥有相同的名义金额，但由于通货膨胀，其购买力已经减弱。理解“实际货币余额；真实货币余额”在做出长期财务决策时尤为重要。例如，如果你计划为退休储蓄，那么考虑通货膨胀如何侵蚀你的储蓄是至关重要的。单纯地储蓄一定金额而不考虑通货膨胀，可能会导致在退休时发现你的储蓄无法提供你预期的生活方式。此外，“实际货币余额；真实货币余额”还会影响投资选择。投资者需要评估其投资的实际回报，这通过从名义回报中减去通货膨胀率来计算。例如，如果一项投资的收益率为5%，但通货膨胀率为2%，则实际回报仅为3%。理解这一区别使投资者能够做出更明智的资源配置决策，以实现最佳增长。此外，企业在规划预算时也必须考虑“实际货币余额；真实货币余额”。公司常常面临由于通货膨胀而导致的成本上升，这可能会影响其利润率。通过准确评估其真实货币余额，企业可以就定价、工资增加和新项目投资做出战略决策。如果未能考虑货币的真实价值，可能会导致财务错误计算，并最终危及企业的生存。总之，“实际货币余额；真实货币余额”的概念对于有效的财务管理至关重要。它不仅仅是查看银行账户中的数字；它需要更深入地理解通货膨胀如何影响购买力和整体经济。通过掌握这一概念，个人和企业都可以做出更好的财务决策，从而实现更大的稳定和增长。在我们经历财务生活的过程中，牢记“实际货币余额；真实货币余额”的重要性是确保我们财务未来的关键。