gross available income

简明释义

现有总收入

英英释义

例句

1.Before applying for a loan, it's crucial to calculate your gross available income (总可用收入) to ensure you meet the lender's requirements.

在申请贷款之前，计算你的gross available income (总可用收入) 是至关重要的，以确保你满足贷款人的要求。

2.Financial advisors often assess your gross available income (总可用收入) when creating a personalized investment strategy.

财务顾问在制定个性化投资策略时，通常会评估你的gross available income (总可用收入)。

3.When budgeting for the year, consider your gross available income (总可用收入) to plan your expenses effectively.

在为一年制定预算时，考虑你的gross available income (总可用收入) 以有效规划支出。

4.Your gross available income (总可用收入) will help you understand how much you can save each month.

你的gross available income (总可用收入) 将帮助你了解每个月可以存多少钱。

5.Many landlords require proof of gross available income (总可用收入) to determine if potential tenants can afford the rent.

许多房东要求提供gross available income (总可用收入) 的证明，以确定潜在租户是否能够承担租金。

作文

Understanding financial concepts is crucial for managing personal finances effectively. One such important term is gross available income, which refers to the total income that an individual has at their disposal after accounting for taxes and mandatory deductions. This concept plays a significant role in budgeting, financial planning, and assessing one's financial health. In this essay, we will delve deeper into the meaning of gross available income and its implications for individuals and families.First, it is essential to break down the components of gross available income. The term 'gross' indicates the total amount before any deductions. This includes all sources of income such as wages, salaries, bonuses, rental income, dividends, and any other earnings. However, to arrive at the gross available income, one must consider the deductions that reduce the total income. These deductions typically include federal and state taxes, social security contributions, and other mandatory withholdings.For example, if an individual earns a salary of $60,000 per year, this is their gross income. However, after deducting approximately 25% for taxes and other mandatory contributions, their gross available income would be around $45,000. This amount represents what the individual can actually use for living expenses, savings, and investments.The importance of understanding gross available income cannot be overstated. It serves as a foundation for creating a budget. Knowing how much money is available allows individuals to allocate funds wisely across various categories such as housing, food, transportation, and entertainment. A clear picture of one’s gross available income helps in making informed decisions about spending and saving.Moreover, gross available income is a critical factor when applying for loans or mortgages. Lenders often assess an applicant's ability to repay a loan based on their gross available income. A higher income generally translates to better loan terms and lower interest rates, as it indicates a higher capacity to manage debt. Therefore, individuals should strive to maximize their gross available income through various means, such as seeking higher-paying job opportunities, negotiating salaries, or investing in further education to enhance their skills.In addition, understanding gross available income helps in planning for the future. Individuals can set financial goals based on their available income, such as saving for retirement, purchasing a home, or funding education for their children. By analyzing their gross available income, they can make strategic decisions about how much to save each month and what investments to pursue.In conclusion, gross available income is a vital financial concept that serves as the backbone of personal finance management. It encompasses all income sources and accounts for necessary deductions, providing individuals with a clear understanding of their financial standing. By grasping the significance of gross available income, individuals can create effective budgets, secure loans, and plan for their financial futures with confidence. Ultimately, mastering this concept empowers people to take control of their finances and work towards achieving their financial goals.

理解财务概念对于有效管理个人财务至关重要。其中一个重要的术语是毛可支配收入，它指的是在考虑税收和强制扣除后，个人可以支配的总收入。这个概念在预算、财务规划和评估个人的财务健康方面发挥着重要作用。在这篇文章中，我们将更深入地探讨毛可支配收入的含义及其对个人和家庭的影响。首先，重要的是要分解毛可支配收入的组成部分。术语“毛”表示在任何扣除之前的总金额。这包括所有收入来源，如工资、薪水、奖金、租金收入、股息和其他任何收入。然而，要得出毛可支配收入，必须考虑减少总收入的扣除。这些扣除通常包括联邦和州税、社会保障捐款以及其他强制性扣款。例如，如果一个人每年赚取60,000美元的工资，这就是他们的毛收入。然而，在扣除大约25%的税款和其他强制性捐款后，他们的毛可支配收入将约为45,000美元。这个金额代表个人实际可以用于生活开支、储蓄和投资的资金。理解毛可支配收入的重要性不容小觑。它作为制定预算的基础。了解有多少资金可用使个人能够明智地在住房、食品、交通和娱乐等各种类别之间分配资金。对自身的毛可支配收入有清晰的认识，有助于做出明智的消费和储蓄决策。此外，毛可支配收入在申请贷款或抵押贷款时也是一个关键因素。贷方通常根据申请人的毛可支配收入评估其偿还贷款的能力。较高的收入通常意味着更好的贷款条件和较低的利率，因为这表明有更高的能力管理债务。因此，个人应努力通过各种方式最大化自己的毛可支配收入，例如寻求高薪工作机会、谈判薪资或投资进一步教育以提高自己的技能。此外，理解毛可支配收入有助于未来规划。个人可以根据可支配收入设定财务目标，例如为退休储蓄、购买房屋或为子女教育提供资金。通过分析自己的毛可支配收入，他们可以对每月存多少钱以及追求什么投资做出战略决策。总之，毛可支配收入是一个重要的财务概念，是个人财务管理的支柱。它包含所有收入来源并考虑必要的扣除，为个人提供了清晰的财务状况。通过掌握毛可支配收入的意义，个人可以制定有效的预算、获得贷款并自信地规划自己的财务未来。最终，掌握这一概念使人们能够控制自己的财务，并朝着实现财务目标的方向努力。