别再让你宝贵的时间和一点可支配的收入轻易地流失了。
Don't let your precious time and disposable income slip away so easily.
人们现在拥有更多可支配的收入，广告也引导人们该如何消费。
People now have more disposable incomes and advertising has emerged to tell them how to spend them.
更富裕一些的美国人参加这些活动的次数多一些，是因为他们拥有更多的可支配的收入。
Wealthier Americans tend to go to these events in relatively greater Numbers because they have higher disposable incomes.
别再让你宝贵的时间和一点可支配的收入轻易地流失了。以下是五样你今天必须抛弃的事情。你并不须要。
DON't let your precious time and disposable income slip away so easily. Here are five things you can drop today. You DON't have to.
当人们的可支配的收入突然减少，敏锐的企业家可能抓住这个机会去兴办企业，生产他们需要的更便宜且更有效的商品。
When people suddenly have less money to spend, clever entrepreneurs may see an opportunity to set up businesses that give them what they want more cheaply or efficiently.
由于长期的经济繁荣使父母有了更多的可支配的收入，即使私立学校的收费每年超过一万美元，很多父母还是选择私立学校。
Now that the long economic boom has given parents more disposable income, many are turning to private schools, even at price tags of well over $10,000 a year.
拥有可支配收入的西方人经常表现得好像他们有资格去任何他们想去的地方，且几乎不考虑后果。
Westerners with disposable incomes have often behaved as if they have a right to go wherever they choose with little regard for the consequences.
“随着人们可支配收入层次的提高，他们想要款待自己。”他说：“他们不想仅仅购买乐购品牌的沐浴露。”
"As people develop their higher levels of disposable income, they want to treat themselves," he said, "They do not want to just buy Tesco Value shower gel.
去年年底，英国家庭债务支付的总利息下降到可支配收入的7%，达到自2003年以来的最低水平。
Total interest payments on household debt in Britain fell to 7% of disposable income at the end of last year, the lowest level since 2003.
但他们只有少量的可支配收入，出人头地的机会也微乎其微。
But they have little disposable income and few opportunities to step up the ladder.
现在，家庭储蓄率已经提高到可支配收入的3.6%，而在2007年这还是个负值。
The household saving rate has risen to 3.6% of disposable income after being negative in 2007.
实际可支配收入的增加，只是由刺激性减税和救济金发放增加所致。
Real disposable incomes have risen only because of stimulus tax breaks and higher benefit payments.
这就导致美国家庭部门的储蓄率由先前的零储蓄上升到可支配收入的4%。
As a result, the household savings rate has risen from zero to 4% of disposable income.
家庭储蓄率从1980年占可支配收入的10%下滑到2007的接近0%；家庭债务从占可支配收入的67%迅速上涨到132%。
The household saving rate fell from 10% of disposable income in 1980 to close to zero in 2007; household indebtedness raced from 67% of disposable income to 132%.
“随着人们可支配收入的提高，他们希望过更好的生活，”他说，“他们不愿意仅仅购买乐购品牌的沐浴啫喱。”
"As people develop their higher levels of disposable income, they want to treat themselves," he said. "they do not want to just buy Tesco Value shower gel."
根据美联储的统计，在2008年末，美国家庭的负债是年可支配收入的127%。
Households owed 127% of disposable annual income at the end of 2008, according to the Federal Reserve.
中产阶级的一个基本特点是，拥有相当数量的可支配性收入。
An essential characteristic is the possession of a reasonable amount of discretionary income.
一方面尽管现在在大萧条之后存钱是一种非常流行的方式，美国人只把他们可支配收入的5.8%存了起来。
On one hand, even now — when saving is said to be particularly popular following the recession — Americans are only saving around 5.8% of their disposable income.
目前，消费已经从GDP比重的72%下跌至70%，而储蓄率则从几乎为零上升至可支配收入的5%。
Currently, consumption has fallen from 72% to 70% of GDP and saving has increased from near zero to about 5% of disposable income.
其家庭债务额占可支配收入的150%，甚至高于美国。
Its households' debt amounts to 150% of disposable income, even higher than in America.
随着可支配收入的不断提高，中国人对旅游的需求只有不断增加。
With increasing disposable income, the Chinese demand for travel is only going to grow.
居民债务在过去十年里从可支配收入的115%下降至99%。
Household debt has fallen over the past decade from 115% of their disposable income to 99%.
家庭节省了6%的可支配收入，而在经济危机之前，他们每年只能节省2.7%的可支配收入。
Households are now saving 6% of their disposable income, compared with just 2.7% in the years before the crisis.
英国的家庭债务已达难以置信的总可支配收入的173%，相较之下法国为72%。
Household debt in Britain now stands at a barely imaginable 173% of gross disposable income, against 72% in France.
在美国，家庭储蓄率(没有用于消费的可支配收入的比例)自从1999年来一直低于2.5%；英国家庭储蓄率连续两年都低于3%。
In America, the household savings ratio (the proportion of disposable income not used for consumption) has been below 2.5% since 1999; in Britain, it has been below 3% in each of the past two years.
食品和燃料价格的下跌，也刺激了个人可支配收入的增加。
So are lower prices for food and fuel, which have provided a boost to personal disposable income.
同时，个人可支配的实际收入在去年第四季度与今年一季度间基本持平。
And meanwhile, real disposable personal income was flat from the fourth quarter to the first quarter.
大多数发达国家的家庭负债与可支配收入比率有超过40%的上涨。
Most rich countries saw a rise of more than 40% in the ratio of household debt to disposable income.
大多数发达国家的家庭负债与可支配收入比率有超过40%的上涨。
Most rich countries saw a rise of more than 40% in the ratio of household debt to disposable income.
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