lump sum

简明释义

一次总付

英英释义

例句

1.For the project, we budgeted a lump sum for unexpected expenses.

对于这个项目，我们预算了一笔一次性支付用于意外开支。

2.The contractor agreed to complete the renovation for a lump sum of $20,000.

承包商同意以一次性支付的方式完成装修，费用为20,000美元。

3.She received a lump sum payment from her insurance policy after the accident.

事故发生后，她从保险政策中获得了一次性支付的赔偿。

4.The company offered a lump sum settlement to employees who were laid off.

公司向被裁员的员工提供了一次性支付的和解金。

5.He decided to take his retirement benefits as a lump sum instead of monthly payments.

他决定将退休福利以一次性支付的方式领取，而不是按月支付。

作文

In today’s world, financial management has become a crucial skill for individuals and businesses alike. One important concept that often arises in discussions about finances is the term lump sum. A lump sum refers to a single payment made at one time, as opposed to multiple smaller payments or installments. Understanding how to effectively use a lump sum can significantly impact one’s financial health and decision-making processes.When one receives a lump sum, it could be from various sources such as an inheritance, a settlement from a lawsuit, or even a retirement payout. The first step in managing this sudden influx of money is to assess personal financial goals. For instance, someone might choose to invest their lump sum in stocks or bonds, aiming for long-term growth. Alternatively, others may prefer to pay off debts, which can provide immediate relief and improve cash flow.The decision on how to allocate a lump sum requires careful consideration. Financial advisors often recommend creating a budget that outlines both short-term and long-term needs. This might include setting aside funds for emergencies, investing in education, or planning for retirement. By doing so, individuals can ensure that their lump sum is used wisely and contributes positively to their overall financial situation.Another aspect to consider when dealing with a lump sum is the tax implications. Depending on the source of the money, there may be taxes owed on the amount received. For example, if the lump sum comes from a retirement account, it may be subject to income tax. Understanding these implications is essential to avoid unexpected financial burdens later.Moreover, the psychological impact of suddenly having a lump sum can also play a significant role in decision-making. Some individuals may feel overwhelmed by the responsibility of managing a large amount of money, leading to hasty or poor financial decisions. It is advisable to take time to think through options and consult with financial experts before making any major commitments.In conclusion, a lump sum can provide opportunities for financial advancement, but it also comes with challenges. By understanding what a lump sum is and how to manage it effectively, individuals can make informed choices that align with their personal financial goals. Whether it’s investing, paying off debts, or saving for future needs, the key lies in thoughtful planning and prudent decision-making. Ultimately, being proactive about how to utilize a lump sum can lead to greater financial stability and peace of mind in the long run.

在当今世界，财务管理已成为个人和企业都必须掌握的重要技能。在关于财务的讨论中，一个常见的概念是术语lump sum。lump sum指的是一次性支付，而不是多次较小的支付或分期付款。有效地使用lump sum可以显著影响一个人的财务健康和决策过程。当某人收到lump sum时，可能来自各种来源，如遗产、诉讼和解金或退休金支付。管理这笔突然涌入的钱的第一步是评估个人财务目标。例如，有人可能选择将他们的lump sum投资于股票或债券，以期实现长期增长。相反，其他人可能更愿意偿还债务，这可以提供立即的缓解并改善现金流。如何分配lump sum的决定需要仔细考虑。财务顾问通常建议制定预算，列出短期和长期需求。这可能包括为紧急情况留出资金、投资教育或规划退休。通过这样做，个人可以确保他们的lump sum被明智地使用，并对整体财务状况产生积极影响。处理lump sum时，另一个需要考虑的方面是税务问题。根据资金来源，可能需要对收到的金额缴纳税款。例如，如果lump sum来自退休账户，则可能会受到所得税的影响。了解这些影响对于避免未来意外的财务负担至关重要。此外，突然拥有lump sum的心理影响也可能在决策中发挥重要作用。一些个人可能会因管理大量资金的责任而感到不知所措，从而导致仓促或错误的财务决策。建议花时间思考选项，并在做出任何重大承诺之前咨询财务专家。总之，lump sum可以提供财务发展的机会，但也伴随着挑战。通过理解lump sum是什么以及如何有效管理它，个人可以做出符合其个人财务目标的明智选择。无论是投资、偿还债务还是为未来需求储蓄，关键在于周密的规划和谨慎的决策。最终，主动利用lump sum可以在长期内带来更大的财务稳定和内心的平静。