disposable income; assessed income

简明释义

税后收入

英英释义

例句

1.With a higher disposable income (可支配收入), I can afford to travel more often.

有了更高的可支配收入 (disposable income)，我可以更频繁地旅行。

2.The bank assessed my assessed income (评估收入) to determine how much I could borrow for the loan.

银行评估了我的评估收入 (assessed income) 以确定我可以借多少贷款。

3.After paying all my bills, I realized that my disposable income (可支配收入) was quite limited this month.

在支付完所有账单后，我意识到这个月我的可支配收入 (disposable income) 非常有限。

4.My assessed income (评估收入) is based on my previous year's earnings and current job status.

我的评估收入 (assessed income) 是基于我去年收入和当前工作状态的。

5.Many people use their disposable income (可支配收入) for entertainment and leisure activities.

许多人将他们的可支配收入 (disposable income) 用于娱乐和休闲活动。

作文

Understanding the concepts of disposable income and assessed income is vital for anyone looking to manage their finances effectively. Disposable income refers to the amount of money that an individual or household has available for spending and saving after income taxes have been deducted. This is the income that can be used for discretionary expenses such as entertainment, travel, and luxury items. On the other hand, assessed income generally refers to the income that is evaluated for various purposes, such as taxation or eligibility for social benefits. It may include all sources of income before any deductions or exemptions are applied.To illustrate these concepts, let’s consider an example. Imagine a person named John who earns $60,000 a year. After paying his taxes, which amount to approximately $15,000, his disposable income would be $45,000. This is the money he has left to spend on his living expenses, savings, and leisure activities. He can choose to allocate this income to various aspects of his life, such as rent, groceries, and entertainment.In contrast, if John applies for a government assistance program, the authorities would look at his assessed income. In this case, they might consider his total earnings of $60,000, without deducting taxes or other expenses. The purpose of evaluating assessed income in this context is to determine his eligibility for assistance, which often requires a certain income threshold to be met.The difference between disposable income and assessed income highlights the importance of financial literacy. Individuals need to understand how much of their income is truly available for personal use after fulfilling their tax obligations. This understanding enables better budgeting and financial planning. For instance, knowing that John has $45,000 in disposable income allows him to plan his monthly expenses and savings goals more effectively.Moreover, the distinction between these two types of income can significantly impact one’s financial decisions. For example, if John realizes that his assessed income is higher than expected, he may reconsider applying for certain benefits or programs. Conversely, if he finds that his disposable income is lower due to unexpected expenses, he might need to adjust his spending habits to avoid debt.In conclusion, grasping the differences between disposable income and assessed income empowers individuals to take control of their financial situations. By accurately assessing their income and understanding what portion is disposable, they can make informed decisions about spending, saving, and investing. Financial literacy is essential in today’s economy, and recognizing these income types is a fundamental step towards achieving financial stability and success.

理解可支配收入和评估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。可支配收入是指在扣除所得税后，个人或家庭可用于消费和储蓄的金额。这是可以用于娱乐、旅行和奢侈品等可自由支配开支的收入。另一方面，评估收入一般指为了各种目的（例如征税或社会福利资格）而进行评估的收入。它可能包括所有收入来源，而不考虑任何扣除或豁免。为了说明这些概念，让我们考虑一个例子。假设一个名叫约翰的人年收入为60,000美元。在支付大约15,000美元的税款后，他的可支配收入将为45,000美元。这是他剩下的钱，可以用于生活开支、储蓄和休闲活动。他可以选择将这部分收入分配到生活的各个方面，例如租金、食品杂货和娱乐。相反，如果约翰申请政府援助项目，当局将查看他的评估收入。在这种情况下，他们可能会考虑他的总收入为60,000美元，而不扣除税款或其他费用。评估评估收入的目的是确定他是否符合援助资格，这通常要求达到一定的收入门槛。可支配收入和评估收入之间的差异突显了财务知识的重要性。个人需要了解在履行税务义务后，自己真正可用于个人使用的收入是多少。这种理解能够更好地制定预算和财务规划。例如，知道约翰有45,000美元的可支配收入使他能够更有效地规划每月开支和储蓄目标。此外，这两种收入类型之间的区别可能会对个人的财务决策产生重大影响。例如，如果约翰意识到他的评估收入高于预期，他可能会重新考虑申请某些福利或项目。相反，如果他发现由于意外开支导致其可支配收入较低，他可能需要调整消费习惯以避免债务。总之，掌握可支配收入和评估收入之间的区别使个人能够掌控自己的财务状况。通过准确评估他们的收入并理解哪部分是可支配的，他们可以就支出、储蓄和投资做出明智的决策。财务知识在当今经济中至关重要，认识到这些收入类型是实现财务稳定和成功的基础步骤。