情報アイランド

「情報を制する者は世界を制す」をモットーに様々な情報を提供することを目指すブログです。現在はプログラミング関連情報が多めですが、投資関連情報も取り扱っていきたいです。

ディクテーションの実例243 資産効果について

資産効果について説明している下の動画でディクテーションをしてみました。

Wealth Effect
http://www.investopedia.com/video/play/wealth-effect/

下がディクテーションしてみた結果です。私はリスニング力が低いので聞き取れなかった部分もありました。そのような部分は?で表しています。また、リスニング力が低いため聞き間違えている部分も多いかと思います。

もし聞き間違えている部分を見付けたら、コメントで教えてくださるととてもありがたいです。


the wealth effect is a psychological phenomenon that causes people to spend more as the value of their asset rises. the premise is that when consumers' homes or investment portfolios increase in value, they feel more financially secure, so they increase their spending. conversely, when consumers see the value of their homes or portfolios fall, they tend to spend less. the wealth effect attempts to explain why consumers might change their spending habits even if their income and fixed costs have stayed the same. analysts disagree over whether the wealth effect really exists. proponents say a $1 increase in wealth can increase spending by $0.2-0.8. critics say that if there is a wealth effect, the percentage change consumers experience in their wealth results in a smaller change in their spending habits, which wouldn't have a meaningful effect on the economy. critics also say that changes in employment rates, tax rates and household expenses, not changes in wealth, have the biggest effect on consumer spending. here is an example of how the wealth effect works. ? purchased a house for $300,000 in 2007. she earned a $100,000 salary and her average expenses including housing were $75,000 per year. in 2008, the great recession lowers her home's value to $260,000. ?'s income was still $100,000 and her expenses were still $75,000. but she cut back on her variable expenses because she was concerned about ? home equity. she ? spending $60,000 a year instead of $75,000. in 2013, when her home's value rebounded and grew to $320,000, ? felt more secure as her home equity increased. while her income was still $100,000 adjusted for inflation, she increased to spending to $850,000 because of a new ? sense of wealth.


難しめの単語や熟語の意味です。

  • wealth effect・・・資産効果
  • cut back on・・・~を切り詰める
pizyumi
プログラミング歴19年のベテランプログラマー。業務システム全般何でも作れます。現在はWeb系の技術を勉強中。
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