TERMIUM Plus^®

Record 1,  Textual support,  English

Record number: 1, Textual support number: 1 OBS

guaranteed annual income; GAI : designations that broadly refer to a cash transfer provided by government to individuals to ensure a minimum level of annual income for everyone.  3, record 1, English, - guaranteed%20annual%20income

Record 1,  Textual support,  French

Record number: 1, Textual support number: 1 OBS

revenu annuel garanti; RAG : désignations qui désignent généralement un transfert en espèces accordé par un gouvernement aux particuliers afin d'assurer un revenu annuel minimum à tous.  3, record 1, French, - revenu%20annuel%20garanti

Record 1,  Textual support,  Spanish

Record 2,  Textual support,  English

Record number: 2, Textual support number: 1 DEF

A minimum level of income set as the standard of adequate subsistence or livelihood, below which a person or family is classified as living in poverty.  4, record 2, English, - poverty%20line

Record number: 2, Textual support number: 1 OBS

poverty level: often used synonymously with "poverty line." It can, however, also refer to a state where an individual is unable to provide the basics for existence.  5, record 2, English, - poverty%20line

Record 2,  Textual support,  French

Record number: 2, Textual support number: 1 DEF

Revenu minimum nécessaire à un individu pour atteindre un niveau de bien-être ordinairement observé dans la société, au-dessous duquel l'individu est considéré pauvre.  4, record 2, French, - seuil%20de%20la%20pauvret%C3%A9

Record number: 2, Textual support number: 1 CONT

Le nouveau seuil de la pauvreté est de 11.7 pour cent plus élevé que les statistiques de 1976. L'an dernier, le seuil de la pauvreté pour une famille de quatre personnes vivant en milieu urbain était considéré comme étant $8,400 par le Conseil économique du Canada, et ce, pour l'ensemble du pays.  5, record 2, French, - seuil%20de%20la%20pauvret%C3%A9

Record 2,  Textual support,  Spanish

Record 3,  Textual support,  English

Record number: 3, Textual support number: 1 DEF

The reduction of a person's tax liability to the lowest possible level through illegal means for example, by failing to report income or by understating income, by falsifying expenses and deductions so that they are overstated, or by claiming false status.  4, record 3, English, - tax%20evasion

Record number: 3, Textual support number: 1 OBS

According to two experts at Revenue Canada Taxation, the term "tax dodging" can be used as a synonym of both "tax evasion" and "tax avoidance", depending on the context.  5, record 3, English, - tax%20evasion

Record number: 3, Textual support number: 2 OBS

Compare with "tax avoidance".  6, record 3, English, - tax%20evasion

Record 3,  Textual support,  French

Record number: 3, Textual support number: 1 DEF

Agissements par lesquels un contribuable se soustrait de façon illégale aux impôts qu'il doit normalement payer, par des subterfuges ou autres dérogations à la loi.  3, record 3, French, - fraude%20fiscale

Record number: 3, Textual support number: 1 OBS

Au Canada le terme «évasion fiscale» est employé comme équivalent de «tax evasion» uniquement dans la Loi de l'impôt sur le revenu. Dans tous les autres cas, «tax evasion» a comme équivalent «fraude fiscale». Le terme «évasion fiscale» a comme équivalent «tax avoidance» sauf dans la Loi de l'impôt sur le revenu canadienne, où «tax avoidance» se rend par «évitement fiscal».  4, record 3, French, - fraude%20fiscale

Record number: 3, Textual support number: 2 OBS

En France et en Belgique, l'«évasion fiscale» couvre l'ensemble des procédés licites ou illicites qu'un contribuable peut utiliser pour diminuer sa charge fiscale.  3, record 3, French, - fraude%20fiscale

Record 3,  Textual support,  Spanish

Record number: 3, Textual support number: 1 DEF

Defraudación a la Hacienda Pública a través de la ocultación de ingresos, simulación o exageración de gastos deducibles, aplicación de desgravaciones y subvenciones injustificables, etc.  4, record 3, Spanish, - evasi%C3%B3n%20fiscal

Record number: 3, Textual support number: 1 CONT

La evasión fiscal es práctica generalizada en la economía sumergida.  4, record 3, Spanish, - evasi%C3%B3n%20fiscal

Record number: 3, Textual support number: 1 OBS

El término "evasión fiscal" se utiliza independientemente si la evasión es legal o ilegal.  5, record 3, Spanish, - evasi%C3%B3n%20fiscal

Record number: 3, Textual support number: 2 OBS

evasión fiscal: término y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  5, record 3, Spanish, - evasi%C3%B3n%20fiscal

Record 4,  Textual support,  English

Record number: 4, Textual support number: 1 DEF

The taxable rate applied to the last level of the taxpayer's income.  3, record 4, English, - marginal%20tax%20rate

Record number: 4, Textual support number: 1 CONT

In a system of progressive taxation the marginal rate increases.  3, record 4, English, - marginal%20tax%20rate

Record 4,  Textual support,  French

Record number: 4, Textual support number: 1 DEF

Taux d'imposition s'appliquant, pour un particulier, à la dernière tranche de son revenu imposable.  6, record 4, French, - taux%20d%27imposition%20marginal

Record number: 4, Textual support number: 1 CONT

On s'attend après 1993-94 à un léger redressement du ratio des recettes au PIB [produit intérieur brut] grâce à la non-indexation et à la progressivité du régime fiscal des particuliers, donnant lieu à des taux marginaux d'imposition plus élevés quand le revenu imposable augmente.  7, record 4, French, - taux%20d%27imposition%20marginal

Record 4,  Textual support,  Spanish

Record number: 4, Textual support number: 1 DEF

Tipo impositivo que se aplica sobre el último tramo de renta del sujeto pasivo. En la imposición progresiva los tipos marginales son crecientes.  1, record 4, Spanish, - tipo%20impositivo%20marginal

Record number: 4, Textual support number: 1 OBS

tipo impositivo marginal: término y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  3, record 4, Spanish, - tipo%20impositivo%20marginal

Record 5,  Textual support,  English

Record number: 5, Textual support number: 1 DEF

The reduction of a person's tax liability to the lowest possible level through legal means. This is done by utilizing all possible deductions, taking advantage of alternative methods of reporting and assessing income, and using all possible tax loopholes.  5, record 5, English, - tax%20avoidance

Record number: 5, Textual support number: 1 OBS

Not to be confused with "tax evasion". According to two experts at Revenue Canada Taxation, the term "tax dodging" can be used as a synonym of both "tax avoidance" and "tax evasion", depending on the context.  6, record 5, English, - tax%20avoidance

Record 5,  Textual support,  French

Record number: 5, Textual support number: 1 DEF

Ensemble des procédés que le contribuable utilise pour réduire au minimum sa charge fiscale en se prévalant des dispositions avantageuses de la loi.  2, record 5, French, - %C3%A9vitement%20fiscal

Record number: 5, Textual support number: 1 OBS

«Évitement fiscal» : expression désignant une façon légale d'éviter de l'impôt et employée uniquement dans la Loi de l'impôt sur le revenu canadienne.  4, record 5, French, - %C3%A9vitement%20fiscal

Record number: 5, Textual support number: 2 OBS

À ne pas confondre avec la fraude fiscale.  5, record 5, French, - %C3%A9vitement%20fiscal

Record number: 5, Textual support number: 3 OBS

En France et en Belgique, le terme «évasion fiscale» couvre l'ensemble des procédés licites ou illicites qu'un contribuable peut utiliser pour diminuer sa charge fiscale, alors qu'au Canada, le même terme a une connotation de fraude fiscale.  2, record 5, French, - %C3%A9vitement%20fiscal

Record 5,  Textual support,  Spanish

Record number: 5, Textual support number: 1 DEF

Negación al pago de impuestos en forma parcial o total.  1, record 5, Spanish, - evasi%C3%B3n%20fiscal

Record number: 5, Textual support number: 1 OBS

El termino "evasión fiscal" se utiliza independientemente si la evasión es legal o ilegal.  5, record 5, Spanish, - evasi%C3%B3n%20fiscal

Record 6,  Textual support,  English

Record number: 6, Textual support number: 1 DEF

A proposal under which the government would contribute funds to persons falling below a specified income level, with the amount increasing at still lower income levels. Thus this "income tax" would be graduated in negative directions just as the present income tax is graduated in positive directions; hence the name.  3, record 6, English, - negative%20tax

Record 6,  Textual support,  French

Record number: 6, Textual support number: 1 DEF

Versement à un particulier afin de lui garantir un minimum de ressources dans un système tendant à harmoniser les prestations sociales et l'impôt sur le revenu.  2, record 6, French, - imp%C3%B4t%20n%C3%A9gatif

Record 6,  Textual support,  Spanish

Record number: 6, Textual support number: 1 DEF

Sistema de transferencias de renta a los económicamente más débiles ... Por razones de equidad impositiva y de solidaridad social, la Hacienda Pública puede decidir pagar determinadas cantidades a ciertos beneficiarios debido a sus nulos o muy bajos ingresos personales, a fin de garantizarles, cuando menos, un nivel de vida mínimamente aceptable.  1, record 6, Spanish, - impuesto%20negativo%20sobre%20la%20renta

Record 7,  Textual support,  English

Record number: 7, Textual support number: 1 CONT

A 1-per-cent increase in the level of nominal income leads to higher tax bases and therefore higher revenues.  2, record 7, English, - nominal%20income

Record 7,  Textual support,  French

Record number: 7, Textual support number: 1 CONT

[...] les contribuables [...] passeront, par suite de la hausse de leur revenu nominal, dans des tranches d'imposition supérieures alors même que leur revenu réel n'aura pas augmenté.  2, record 7, French, - revenu%20nominal

Record 7,  Textual support,  Spanish

Record 8,  Textual support,  English

Record number: 8, Textual support number: 1 CONT

UBI [describes] a basic income that is available to everyone, but is only delivered to those whose income falls below a defined level(known as a guarantee).  3, record 8, English, - universal%20basic%20income

Record 8,  Textual support,  French

Record number: 8, Textual support number: 1 CONT

Le RBU [décrit] un revenu de base accessible à tous, mais qui n'est versé qu'à ceux dont le revenu est inférieur à un niveau défini (appelé garanti).  2, record 8, French, - revenu%20de%20base%20universel

Record 8,  Textual support,  Spanish

Record 9,  Textual support,  English

Record number: 9, Textual support number: 1 DEF

An unconditional basic income delivered by a government to a very broad group of people, regardless of their income level or employment status.  2, record 9, English, - universal%20basic%20income

Record 9,  Textual support,  French

Record number: 9, Textual support number: 1 DEF

Revenu de base inconditionnel accordé par un gouvernement à un groupe très large de personnes quel que soit leur niveau de revenu ou leur situation d'emploi.  2, record 9, French, - revenu%20de%20base%20universel

Record 9,  Textual support,  Spanish

Record 10,  Textual support,  English

Record number: 10, Textual support number: 1 CONT

Progressive taxation means higher tax rates for those with higher income or more wealth, so that those who earn or have more are taxed at a higher rate. Personal income tax based on graduated scales where the tax rate goes up as income level rises is probably the clearest example of progressivity.  7, record 10, English, - progressive%20taxation

Record number: 10, Textual support number: 1 OBS

progressive; graduated: Increasing in rate with increase in taxable base.  8, record 10, English, - progressive%20taxation

Record 10,  Textual support,  French

Record number: 10, Textual support number: 1 CONT

Tout de suite un exemple : un revenu annuel de 150.000 euros subit un taux d'imposition de 10 %, tandis qu'un revenu annuel de 200.000 euros en subit 15 %. En effet, l'imposition progressive détermine un taux qui augmente au fur et à mesure que l'assiette fiscale s'accroît.  3, record 10, French, - imposition%20progressive

Record 10,  Textual support,  Spanish

Record 11,  Textual support,  English

Record number: 11, Textual support number: 1 CONT

Increasing your pay as a Journeyman Insulator is possible in different ways. Change of employer : Consider a career move to a new employer that is willing to pay higher for your skills. Level of Education : Gaining advanced degrees may allow this role to increase their income potential and qualify for promotions. Managing Experience : If you are a Journeyman Insulator that oversees more junior Journeyman Insulators, this experience can increase the likelihood to earn more.  1, record 11, English, - journeyman%20insulator

Record 11,  Textual support,  French

Record 11,  Textual support,  Spanish

Record 12,  Textual support,  English

Record number: 12, Textual support number: 1 OBS

decile income level : term extracted from the “Glossaire de l'économie” and reproduced with permission of the Organisation for Economic Co-operation and Development.  2, record 12, English, - decile%20income%20level

Record 12,  Textual support,  French

Record number: 12, Textual support number: 1 OBS

décile de revenu : terme extrait du «Glossaire de l’économie» et reproduit avec l’autorisation de l’Organisation de coopération et de développement économiques.  2, record 12, French, - d%C3%A9cile%20de%20revenu

Record 12,  Textual support,  Spanish

Record 13,  Textual support,  English

Record number: 13, Textual support number: 1 DEF

A thing or factor that keeps one from doing something.  3, record 13, English, - disincentive

Record number: 13, Textual support number: 1 CONT

Level playing field in the energy sector The 1995 budget announced that the income tax treatment of energy efficiency, renewable energy and non-renewable energy investments would continue to be reviewed. This review is part of work on a baseline study of possible barriers and disincentives to sound environmental practices that was initiated in the 1994 budget.  1, record 13, English, - disincentive

Record 13,  Textual support,  French

Record number: 13, Textual support number: 1 CONT

Un moyen ou un facteur qui empêche quelqu'un d'agir.  2, record 13, French, - d%C3%A9sincitation

Record number: 13, Textual support number: 2 CONT

Égalité des règles dans le secteur de l'énergie. Le budget 1995 annonçait que le régime fiscal applicable aux investissements dans le secteur des économies d'énergie, des énergies renouvelables et des énergies non renouvelables continuerait d'être examiné. Cet examen s'inscrit dans le cadre d'une étude de fond sur les obstacles et les facteurs désincitatifs à de saines pratiques environnementales, annoncée dans le budget de 1994.  5, record 13, French, - d%C3%A9sincitation

Record number: 13, Textual support number: 1 OBS

désincitation; frein : termes extraits du «Glossaire de l’économie» et reproduits avec l’autorisation de l’Organisation de coopération et de développement économiques.  2, record 13, French, - d%C3%A9sincitation

Record 13,  Textual support,  Spanish

Record number: 13, Textual support number: 1 DEF

El que contribuye a que una determinada acción no deseada no se produzca, o no se desarrolle en proporciones inadecuadas.  5, record 13, Spanish, - desincentivo

Record 14,  Textual support,  English

Record number: 14, Textual support number: 1 DEF

The equitable tax treatment of persons with the same level of income or capital but who differ in other relevant respects.  2, record 14, English, - horizontal%20equity

Record number: 14, Textual support number: 1 CONT

One of the basic criteria of a good tax system is that individuals with the same income should pay the same amount of tax. This criterion is often referred to as horizontal equity. As a result of tax expenditures, however, individuals with the same income may pay widely differing amounts of tax.  3, record 14, English, - horizontal%20equity

Record 14,  Textual support,  French

Record number: 14, Textual support number: 1 DEF

L'équité du régime fiscal appréciée au regard de personnes disposant de revenus et de patrimoines de montants semblables, mais dont la situation diffère sous d'autres aspects.  2, record 14, French, - %C3%A9quit%C3%A9%20horizontale

Record number: 14, Textual support number: 1 CONT

À revenu égal, impôt égal : ce principe, qui exprime la notion dite d'«équité horizontale», est une exigence fondamentale de tout bon régime fiscal. Or, les dépenses fiscales font que deux personnes ayant le même revenu peuvent payer des impôts extrêmement différents.  3, record 14, French, - %C3%A9quit%C3%A9%20horizontale

Record 14,  Textual support,  Spanish

Record number: 14, Textual support number: 1 CONT

... el sistema fiscal debe basarse en normas de equidad. Esta exigencia de equidad o justicia es doble: horizontal (misma presión tributaria para iguales rentas) y vertical ...  1, record 14, Spanish, - equidad%20horizontal

Record 15,  Textual support,  English

Record number: 15, Textual support number: 1 CONT

Reduced the GST from 7 per cent to 5 per cent, which benefits all Canadians—even those who do not earn enough to pay personal income tax. The Government also maintained the GST credit level, translating into about $1. 2 billion in GST credit benefits annually for low-and modest income Canadians.  1, record 15, English, - GST%20credit%20level

Record 15,  Textual support,  French

Record number: 15, Textual support number: 1 CONT

Abaissé de 7 % à 5 % le taux de la TPS, ce qui profite à tous les Canadiens, y compris ceux qui ne gagnent pas assez pour payer de l’impôt sur le revenu des particuliers. Le gouvernement a également maintenu le niveau du crédit pour la TPS, ce qui représente environ 1,2 milliard de dollars par année en soutien aux Canadiens à revenu faible ou modeste.  1, record 15, French, - niveau%20du%20cr%C3%A9dit%20pour%20la%20TPS

Record 15,  Textual support,  Spanish

Record 16,  Textual support,  English

Record number: 16, Textual support number: 1 CONT

Part-time Reserve Force veterans will receive the same level of income support under the earnings loss benefit as regular and full-time Reserve Force veterans.  1, record 16, English, - earnings%20loss%20benefit

Record 16,  Textual support,  French

Record number: 16, Textual support number: 1 CONT

Les anciens réservistes à temps partiel recevront, par l’entremise de l’allocation pour perte de revenus, le même niveau de soutien du revenu que les anciens combattants de la Force régulière et les anciens réservistes à temps plein.  1, record 16, French, - allocation%20pour%20perte%20de%20revenus

Record 16,  Textual support,  Spanish

Record 17,  Textual support,  English

Record number: 17, Textual support number: 1 CONT

... money national income will rise because of "paper" price-tag changes, but real national product cannot go above its maximum full-employment level.  1, record 17, English, - money%20national%20income

Record 17,  Textual support,  French

Record 17,  Textual support,  Spanish

Record 18,  Textual support,  English

Record number: 18, Textual support number: 1 CONT

The demand for money consists of a transaction demand importantly related to income and a precautionary demand much dependent on interest and profit rates, and on wealth, volatile expectations, risk aversion, and speculative price expectations.  1, record 18, English, - demand%20for%20money

Record number: 18, Textual support number: 2 CONT

... the demand for money, along with depending positively on the level of income transactions, also depends inversely on the interest and profit yields sacrificed in order to have the safety and convenience holding M.  1, record 18, English, - demand%20for%20money

Record 18,  Textual support,  French

Record 18,  Textual support,  Spanish

Record 19,  Textual support,  English

Record number: 19, Textual support number: 1 CONT

To understand how saving and investment determine the level of national income and employment, we must continue to study in detail(1) the propensity-to-save schedule, relating saving and income, and its twin brother(2) the propensity-to-consume schedule, relating consumption and income.  1, record 19, English, - propensity%2Dto%2Dconsume%20schedule

Record 19,  Textual support,  French

Record 19,  Textual support,  Spanish

Record 20,  Textual support,  English

Record number: 20, Textual support number: 1 CONT

The equilibrium level of national income must be at the intersection of the saving and investment schedules... or what is exactly the same thing, at the intersection of the consumption-plus-investment schedule...  1, record 20, English, - equilibrium%20level%20of%20national%20income

Record 20,  Textual support,  French

Record 20,  Textual support,  Spanish

Record 21,  Textual support,  English

Record number: 21, Textual support number: 1 CONT

... suppose tax rates are very high, so that revenues collected at full employment are very high relative to expenditure, the budget being overbalanced. Suppose... that the taxes fall most heavily on the relatively thrift less lower-income groups. Than the community's propensity-to-consume schedule will be a low one at every level of national income, including the full-employment level.  1, record 21, English, - propensity%2Dto%2Dconsume%20schedule

Record 21,  Textual support,  French

Record 21,  Textual support,  Spanish

Record 22,  Textual support,  English

Record number: 22, Textual support number: 1 CONT

The only level of national income that we are entitled to regard as a desirable goal is that near to full employment, but we shall end up at such a level of high employment only if investment opportunities happen to match full-employment saving.  1, record 22, English, - full%2Demployment%20saving

Record 22,  Textual support,  French

Record 22,  Textual support,  Spanish

Record 23,  Textual support,  English

Record number: 23, Textual support number: 1 OBS

For example :level of nominal income, interest rates and level of employment.  2, record 23, English, - economic%20variable

Record number: 23, Textual support number: 1 PHR

key economic variable.  3, record 23, English, - economic%20variable

Record 23,  Textual support,  French

Record number: 23, Textual support number: 1 OBS

Par exemple : le revenu nominal, les taux d'intérêt et le taux de chômage.  2, record 23, French, - variable%20%C3%A9conomique

Record number: 23, Textual support number: 1 PHR

principale variable économique.  2, record 23, French, - variable%20%C3%A9conomique

Record 23,  Textual support,  Spanish

Record number: 23, Textual support number: 1 OBS

Por ejemplo : el nivel de empleo y el tipo de interés.  2, record 23, Spanish, - variable%20econ%C3%B3mica

Record number: 23, Textual support number: 1 PHR

variable económica clave.  1, record 23, Spanish, - variable%20econ%C3%B3mica

Record 24,  Textual support,  English

Record number: 24, Textual support number: 1 DEF

An economy enjoying sustained economic growth and security.  2, record 24, English, - developed%20economy

Record number: 24, Textual support number: 1 OBS

Some of the most common criteria for evaluating a country's degree of development are per capita income or gross domestic product(GDP), level of industrialization, general standard of living and the amount of widespread infrastructure. Increasingly other non-economic factors are included in evaluating an economy or country's degree of development, such as the human development index(HDI) which reflects relative degrees of education, literacy and health.  3, record 24, English, - developed%20economy

Record 24,  Textual support,  French

Record number: 24, Textual support number: 1 CONT

Israël a entamé il y a seize ans ses efforts pour être intégré dans l'OCDE afin de passer du statut d'économie émergente à celui d'économie développée.  2, record 24, French, - %C3%A9conomie%20d%C3%A9velopp%C3%A9e

Record 24,  Textual support,  Spanish

Record 25,  Textual support,  English

Record number: 25, Textual support number: 1 DEF

A difference or gap between a province's level of income, or unemployment, or other such key variable, and that of another province or that of the national average.  3, record 25, English, - regional%20disparity

Record number: 25, Textual support number: 1 OBS

regional disparity; disparity gap: terms usually used in the plural.  4, record 25, English, - regional%20disparity

Record 25,  Textual support,  French

Record number: 25, Textual support number: 1 DEF

Différence ou écart entre les recettes d'une province, son taux de chômage ou un autre facteur clé et l'équivalent dans une autre province ou la moyenne nationale.  4, record 25, French, - disparit%C3%A9%20r%C3%A9gionale

Record number: 25, Textual support number: 1 OBS

disparité régionale; inégalité régionale; disparité interrégionale : termes habituellement utilisés au pluriel.  5, record 25, French, - disparit%C3%A9%20r%C3%A9gionale

Record 25,  Textual support,  Spanish

Record number: 25, Textual support number: 1 CONT

Desigualdad regional. [...] Los problemas estructurales del desarrollo económico y social se expresan “espacialmente”, dando lugar a las desigualdades económicas y sociales entre regiones [...]  1, record 25, Spanish, - desigualdad%20regional

Record 26,  Textual support,  English

Record number: 26, Textual support number: 1 CONT

Usually the employee is allowed to elect a level income option(also called notched option) shortly before retirement, under which the pension from the plan is higher until age 65 and lower thereafter, so that the total income from the state and the plan combined is more or less level.  2, record 26, English, - level%20income%20option

Record 26,  Textual support,  French

Record number: 26, Textual support number: 1 DEF

Option en vertu de laquelle peuvent être servies au salarié qui prend sa retraite avant d'avoir droit aux prestations du régime général, d'abord une rente plus élevée que celle normalement prévue au titre du régime privé, puis une rente moindre à compter de l'âge auquel il a droit à la rente du régime général.  5, record 26, French, - option%20d%27%C3%A9galisation

Record number: 26, Textual support number: 1 OBS

option d'égalisation; option d'égalisation des ressources viagères : Termes et définition recommandés par l'OLF.  6, record 26, French, - option%20d%27%C3%A9galisation

Record 26,  Textual support,  Spanish

Record 27,  Textual support,  English

Record number: 27, Textual support number: 1 DEF

A credit that is deducted from the income tax that an individual or corporation would otherwise pay.  3, record 27, English, - tax%20credit

Record number: 27, Textual support number: 1 OBS

It differs from a tax deduction, which is subtracted from a person's or a corporation's total income, thus lowering the taxable income against which income tax is levied. The value of the tax deduction for an individual depends on the level of income. The higher the income, the higher the top marginal rate of tax, and the greater the value of the tax deduction. In the case of a tax credit, however, the value is the same to all recipients, since it is deducted from the actual tax they would otherwise pay. The tax credit is considered a preferable way of extending benefits to individuals since it gives all recipients the same amount of money, while a tax deduction gives a greater benefit to people with high incomes. Moreover, a tax credit can be paid to people whose income is too low to require them to pay taxes, under a system of negative income tax, whereas a tax deduction can only benefit people who have taxable income.  3, record 27, English, - tax%20credit

Record number: 27, Textual support number: 2 OBS

tax credit: term used in the context of the Strategic and Operating Review of the federal government of Canada.  4, record 27, English, - tax%20credit

Record 27,  Textual support,  French

Record number: 27, Textual support number: 1 DEF

Montant que la législation fiscale permet au contribuable de déduire de ses impôts à payer.  2, record 27, French, - cr%C3%A9dit%20d%27imp%C3%B4t

Record number: 27, Textual support number: 1 OBS

Au Canada, outre le crédit de base, la loi accorde notamment les crédits suivants : achat d'actions, déficience mentale ou physique, dons de charité, enfants, études, fonds de travailleurs, frais de scolarité, frais médicaux, investissement, pension, personne à charge, personne âgée, personnel, personne mariée, recherche scientifique.  2, record 27, French, - cr%C3%A9dit%20d%27imp%C3%B4t

Record number: 27, Textual support number: 2 OBS

Dans le cas du crédit pour impôt provincial, on emploie plutôt le mot «abattement».  2, record 27, French, - cr%C3%A9dit%20d%27imp%C3%B4t

Record number: 27, Textual support number: 3 OBS

crédit d'impôt : terme en usage dans le contexte de l'Examen stratégique et fonctionnel du gouvernement fédéral du Canada.  4, record 27, French, - cr%C3%A9dit%20d%27imp%C3%B4t

Record 27,  Textual support,  Spanish

Record number: 27, Textual support number: 1 DEF

Monto en dinero a favor del contribuyente en la determinación de la obligación tributaria, que éste puede deducir del débito fiscal para determinar el monto de dinero a pagar al Fisco.  2, record 27, Spanish, - descuento%20impositivo

Record 28,  Textual support,  English

Record number: 28, Textual support number: 1 CONT

Except on consent, points within the compensation rules for consequential harms or consequential loss of opportunity above level 3, or compensation for actual income loss, may only be awarded where the adjudicator has obtained and considered an expert's assessment of the extent and causation of the alleged psychological harms...  1, record 28, English, - alleged%20psychological%20harms

Record 28,  Textual support,  French

Record number: 28, Textual support number: 1 CONT

À moins d'avoir le consentement des parties, l'adjudicateur ne peut accorder des points selon les Règles d'indemnisation pour des préjudices indirects ou des pertes d'occasion indirectes de niveau supérieur à 3 et des indemnisations pour pertes de revenus réelles que s'il a obtenu et étudié l'évaluation d'un expert sur la portée et la cause des préjudices psychologiques allégués [...]  1, record 28, French, - pr%C3%A9judices%20psychologiques%20all%C3%A9gu%C3%A9s

Record 28,  Textual support,  Spanish

Record 29,  Textual support,  English

Record number: 29, Textual support number: 1 DEF

A pension payable from a pension plan that provides for regular payment increases related to a stipulated index, such as the Consumer Price Index.  2, record 29, English, - indexed%20pension

Record number: 29, Textual support number: 1 CONT

Many retired persons wish to enjoy as high an income as possible during their early years of retirement when their needs and ability to enjoy retirement are at their highest. For them, unindexed pensions which commence at a higher level than indexed pensions are appropriate.  3, record 29, English, - indexed%20pension

Record 29,  Textual support,  French

Record number: 29, Textual support number: 1 DEF

Rente payable en vertu d'un régime de retraite dont les versements sont rattachés à un indice de référence, par exemple l'indice des prix à la consommation, ce qui a pour effet d'en augmenter périodiquement le montant dans un contexte inflationniste.  2, record 29, French, - rente%20index%C3%A9e

Record number: 29, Textual support number: 1 CONT

Un grand nombre de retraités souhaitent pouvoir disposer d'un revenu aussi élevé que possible pendant leurs premières années de retraite, lorsque leurs besoins sont importants et qu'ils sont le mieux à même de profiter de leurs loisirs. Pour eux, des rentes non indexées, dont le niveau, au départ, est plus élevé que celui des rentes indexées, se justifient.  3, record 29, French, - rente%20index%C3%A9e

Record 29,  Textual support,  Spanish

Record number: 29, Textual support number: 1 OBS

Al costo de la vida.  1, record 29, Spanish, - pensi%C3%B3n%20actualizada

Record 30,  Textual support,  English

Record number: 30, Textual support number: 1 CONT

The average income level among Aboriginal people was 36% lower than that of the non-Aboriginal population.  1, record 30, English, - average%20income%20level

Record 30,  Textual support,  French

Record number: 30, Textual support number: 1 CONT

Le niveau de revenu moyen des Autochtones était de 36 p. 100 plus faible que celui de la population non autochtone.  1, record 30, French, - niveau%20de%20revenu%20moyen

Record 30,  Textual support,  Spanish

Record 31,  Textual support,  English

Record number: 31, Textual support number: 1 CONT

The Governor in Council may make regulations... providing the method of establishing a development index, which would include a ranking for each district in a province having regard, with respect to each district, to the per capita level of income in the district, the level of employment in the district, and the capacity of the province in which the district is located to raise revenue;...  1, record 31, English, - development%20index

Record 31,  Textual support,  French

Record number: 31, Textual support number: 1 DEF

Indice où apparaissent les chiffres de développement de certaines régions, classées par catégories, d'après leur surface, leur population ou leur revenus.  2, record 31, French, - indice%20de%20d%C3%A9veloppement

Record number: 31, Textual support number: 1 OBS

indice de développement : terme et définition extraits du CAPITAL Business Dictionary et reproduits avec l'autorisation de LID Editorial Empresarial.  3, record 31, French, - indice%20de%20d%C3%A9veloppement

Record 31,  Textual support,  Spanish

Record number: 31, Textual support number: 1 DEF

Índice donde aparecen las cifras de desarrollo de varias regiones, clasificadas por categorías, según su superficie, el tamaño de su población o los ingresos.  1, record 31, Spanish, - %C3%ADndice%20de%20desarrollo

Record number: 31, Textual support number: 1 OBS

índice de desarrollo: término y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  2, record 31, Spanish, - %C3%ADndice%20de%20desarrollo

Record 32,  Textual support,  English

Record number: 32, Textual support number: 1 CONT

Many retired persons wish to enjoy as high an income as possible during their early years of retirement when their needs and ability to enjoy retirement are at their highest. For them, unindexed pensions which commence at a higher level than indexed pensions are appropriate.  3, record 32, English, - unindexed%20pension

Record number: 32, Textual support number: 2 CONT

A 30 year non-indexed pension is 30% less valuable than an indexed pension.  2, record 32, English, - unindexed%20pension

Record 32,  Textual support,  French

Record number: 32, Textual support number: 1 CONT

Un grand nombre de retraités souhaitent pouvoir disposer d'un revenu aussi élevé que possible pendant leurs premières années de retraite, lorsque leurs besoins sont importants et qu'ils sont le mieux à même de profiter de leurs loisirs. Pour eux, des rentes non indexées, dont le niveau, au départ, est plus élevé que celui des rentes indexées, se justifient.  3, record 32, French, - pension%20non%20index%C3%A9e

Record number: 32, Textual support number: 2 CONT

Le montant de la rente qui peut être versée avec le solde du compte dépend entre autres de la forme de la rente. Par exemple, pour un même solde, le montant de la rente sera moins élevé si on verse une rente indexée plutôt qu'une rente non indexée.  4, record 32, French, - pension%20non%20index%C3%A9e

Record 32,  Textual support,  Spanish

Record 33,  Textual support,  English

Record number: 33, Textual support number: 1 CONT

Our discussion of how individual households and firms determine their demands for money can now be applied to derive the determinants of aggregate money demand, the total demand for money by all households and firms in the economy. Aggregate money demand is just the sum of all the economy’s individual money demands.  1, record 33, English, - aggregate%20demand%20for%20money

Record number: 33, Textual support number: 1 OBS

Three main factors determine aggregate money demand : the interest rate, the price level and the real national income.  3, record 33, English, - aggregate%20demand%20for%20money

Record 33,  Textual support,  French

Record number: 33, Textual support number: 1 CONT

Après avoir examiné les facteurs qui déterminent la demande de monnaie des ménages et des firmes, nous pouvons dériver de ces facteurs les déterminants de la demande globale de monnaie, soit la demande totale de monnaie émanant de tous les ménages et de toutes les firmes de l'économie. La demande globale de monnaie est en fait la somme de toutes les demandes individuelles de monnaie.  2, record 33, French, - demande%20globale%20de%20monnaie

Record number: 33, Textual support number: 1 OBS

Les trois facteurs principaux qui déterminent la demande globale de monnaie sont le taux d'intérêt, le niveau des prix et le produit national en termes réels.  3, record 33, French, - demande%20globale%20de%20monnaie

Record 33,  Textual support,  Spanish

Record 34,  Textual support,  English

Record number: 34, Textual support number: 1 OBS

This system of Human Resources Development Canada uses advanced computing technology to provide timely information on the effectiveness of Human Resources Development Canada interventions at the local level. Using this system, staff will be able to analyze which income and employability support measures have worked well in the past. The system uses the concept of case management, operating at the level of specific clients and specific interventions. This allows the application of tailor-made solutions for Human Resources Development Canada clients and a move away from the "one size fits all" approach.  1, record 34, English, - Service%20and%20Outcomes%20Measurement%20System

Record 34,  Textual support,  French

Record number: 34, Textual support number: 1 OBS

Ce système de Développement des ressources humaines Canada se sert des technologies informatiques de pointe pour donner des renseignements opportuns sur l'efficacité des interventions de Développement des ressources humaines Canada au niveau local. À l'aide de ce système, le personnel pourra analyser les mesures de soutien du revenu et de l'employabilité qui se sont avérées les plus efficaces dans le passé. Le système fonctionne selon le concept de la gestion de cas, c'est-à-dire en mettant l'accent sur un client particulier et des interventions particulières. On peut ainsi mettre en application des solutions bien adaptées à chacun des clients de Développement des ressources humaines Canada et s'éloigner des méthodes normalisées à «taille unique».  1, record 34, French, - Syst%C3%A8me%20d%27%C3%A9valuation%20des%20services%20et%20des%20r%C3%A9sultats

Record 34,  Textual support,  Spanish

Record 35,  Textual support,  English

Record number: 35, Textual support number: 1 OBS

Luckily, the Federal government realizes the needs for graduate level study, that's why it suggests the Stafford Loans program in order to supply a diversity of graduate student loans. You should complete a free application for student assistance(FAFSA loan) and then make a decision which loan path to follow. Stafford graduate student loans are managed by the graduate schools to which you are appealing, but they are given by the government. One of the greatest benefits of Stafford graduate student loan is the fact that you will be permitted a half-year grace period that follows your graduation before you should begin your payments. If the government chooses your application, they supply you with a list of their accepted creditors. Only students who have not neglected on other loans are eligible for this kind of loan. If your income is too low, you may pretend to your graduate student loans financed by the government. It means that when you are entered in graduate school, you will not be accountable for the interest on your lend. If your income level is high enough, the interest on your loans will be joined to the principal which you should to pay off.  1, record 35, English, - Stafford%20Loans

Record 35,  Textual support,  French

Record 35,  Textual support,  Spanish

Record 36,  Textual support,  English

Record number: 36, Textual support number: 1 DEF

A community with a significant level of the base income earned or, alternatively, proportion of employment, coming from forest products or forest use, or where the residents of the community hunt, gather, collect or grow, in forests, goods equal to a significant proportion of their total needs.  3, record 36, English, - forest%2Ddependent%20community

Record 36,  Textual support,  French

Record number: 36, Textual support number: 1 DEF

Communauté dont une partie importante du revenu de base ou des emplois est liée à la fabrication de produits forestiers ou à l'exploitation de la forêt, ou encore dont les membres s'adonnent à la chasse, à la pêche, à la cueillette ou à la culture dans la forêt pour satisfaire une grande partie de leurs besoins.  5, record 36, French, - communaut%C3%A9%20d%C3%A9pendante%20de%20la%20for%C3%AAt

Record 36,  Textual support,  Spanish

Record number: 36, Textual support number: 1 DEF

Comunidad que obtiene una parte importante de sus ingresos básicos o de sus empleos de productos forestales o el aprovechamiento de los bosques, o cuyos miembros se dedican a actividades de caza, colecta o cultivo en los bosques para satisfacer una parte importante de sus necesidades.  1, record 36, Spanish, - comunidad%20humana%20dependiente%20del%20bosque

Record 37,  Textual support,  English

Record number: 37, Textual support number: 1 CONT

In an income-tested program, the reduction rate is the rate at which benefits are decreased when income exceeds the reduction point. The rate is applied until income reaches a specified maximum level.  2, record 37, English, - reduction%20rate

Record 37,  Textual support,  French

Record number: 37, Textual support number: 1 CONT

Dans un programme de prestations fondées sur un examen du revenu, le taux de réduction est le taux auquel les prestations sont réduites quand le revenu dépasse le point de réduction. Ce taux s'applique jusqu'à ce que le revenu atteigne un niveau maximal spécifié.  2, record 37, French, - taux%20de%20r%C3%A9duction

Record 37,  Textual support,  Spanish

Record 38,  Textual support,  English

Record number: 38, Textual support number: 1 CONT

Md=kPY where the demand for money is a function of nominal income, i. e. the P level times real income Y, and where k is the assumed stable or constant proportion of nominal income held as cash. Given that k was treated as a constant and the money supply M was exogenously determined by the monetary authority, the Cambridge equation could be expressed as a theory of nominal income.  3, record 38, English, - Cambridge%20equation

Record 38,  Textual support,  French

Record number: 38, Textual support number: 1 CONT

Alfred Marshall de l'école de Cambridge a reformulé la théorie quantitative de la monnaie en théorie de la demande de monnaie par l'introduction de son équation connue sous le nom "d'équation des encaisses" ou "équation de Cambridge" : Md = KPY. La demande de monnaie en termes réels (Md) est proportionnelle au revenu réel (Y). Le coefficient (K) est une propension psychologique, c'est le désir de conserver des encaisses. Md doit être associé aux conditions de l'équilibre du marché monétaire de sorte que : Md = Mo = KPY. Cette équation énonce qu'à court terme, il y a un lien de causalité entre l'offre de monnaie et les prix.  2, record 38, French, - %C3%A9quation%20de%20Cambridge

Record 38,  Textual support,  Spanish

Record number: 38, Textual support number: 1 DEF

Principio teórico de todo el posterior pensamiento monetario.  2, record 38, Spanish, - ecuaci%C3%B3n%20cuantitativa

Record 39,  Textual support,  English

Record number: 39, Textual support number: 1 OBS

Health status improves with level of education. Education is closely tied to socioeconomic status, and effective education for children and lifelong learning for adults are key contributors to health and prosperity for individuals, and for the country. Education contributes to health and prosperity by equipping people with knowledge and skills for problem solving, and helps provide a sense of control and mastery over life circumstances. It increases opportunities for job and income security, and job satisfaction. And it improves people's ability to access and understand information to help keep them healthy.  1, record 39, English, - Determinant%20of%20Health%203%20%2D%20Education

Record 39,  Textual support,  French

Record 39,  Textual support,  Spanish

Record 40,  Textual support,  English

Record number: 40, Textual support number: 1 OBS

New evidence on the effects of early experiences on brain development, school readiness and health in later life has sparked a growing consensus about early child development as a powerful determinant of health in its own right. At the same time, we have been learning more about how all of the other determinants of health affect the physical, social, mental, emotional and spiritual development of children and youth. For example, a young person's development is greatly affected by his or her housing and neighborhood, family income and level of parents’ education, access to nutritious foods and physical recreation, genetic makeup and access to dental and medical.  1, record 40, English, - Determinant%20of%20Health%208%20%2D%20Healthy%20Child%20Development

Record 40,  Textual support,  French

Record 40,  Textual support,  Spanish

Record 41,  Textual support,  English

Record number: 41, Textual support number: 1 DEF

The amount by which consumer spending exceeds disposable income in the same period. It means that an individual, or all individuals together, are either using some previously accumulated wealth to make purchases or are taking out loans that will have to be repaid out of future income.  3, record 41, English, - dissaving

Record number: 41, Textual support number: 2 DEF

An individuals’ preference for immediate consumption as opposed to saving for the future.  4, record 41, English, - dissaving

Record number: 41, Textual support number: 1 CONT

The "break-even point" is the income level where net saving is zero. Below it, there is dissaving, or negative saving;...  5, record 41, English, - dissaving

Record number: 41, Textual support number: 1 OBS

dissaving: term and definition reproduced from the CAPITAL Business Dictionary with the permission of LID Editorial Empresarial.  3, record 41, English, - dissaving

Record 41,  Textual support,  French

Record number: 41, Textual support number: 1 DEF

Choix du particulier pour la consommation présente contre la consommation future.  3, record 41, French, - d%C3%A9s%C3%A9pargne

Record number: 41, Textual support number: 1 CONT

Excédent des dépenses de consommation sur le revenu disponible au cours d'une période. Il y a désépargne lorsqu'un particulier, ou l'ensemble des particuliers, utilise une partie du patrimoine constitué précédemment pour effectuer des achats ou contracte des emprunts qui devront être remboursés sur le revenu futur.  4, record 41, French, - d%C3%A9s%C3%A9pargne

Record number: 41, Textual support number: 1 OBS

Définition extraite du CAPITAL Business Dictionary et reproduite avec l'autorisation de LID Editorial Empresarial.  5, record 41, French, - d%C3%A9s%C3%A9pargne

Record 41,  Textual support,  Spanish

Record number: 41, Textual support number: 1 DEF

Preferencia del individuo por el consumo presente frente al consumo futuro.  3, record 41, Spanish, - desahorro

Record number: 41, Textual support number: 1 OBS

desahorro; ahorro negativo: términos y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  4, record 41, Spanish, - desahorro

Record 42,  Textual support,  English

Record number: 42, Textual support number: 1 DEF

Variation in the quantity demanded of a particular product as a result of a change in the price of another substitute product, the level of income remaining constant.  2, record 42, English, - substitution%20effect

Record number: 42, Textual support number: 1 OBS

substitution effect: term and definition reproduced from the CAPITAL Business Dictionary with the permission of LID Editorial Empresarial.  3, record 42, English, - substitution%20effect

Record 42,  Textual support,  French

Record number: 42, Textual support number: 1 DEF

Effet du changement du prix relatif d'un produit sur la demande de ce produit, au profit ou aux dépens des produits substituts.  2, record 42, French, - effet%20de%20substitution

Record number: 42, Textual support number: 1 OBS

effet de substitution : terme extrait du CAPITAL Business Dictionary et reproduit avec l'autorisation de LID Editorial Empresarial.  3, record 42, French, - effet%20de%20substitution

Record 42,  Textual support,  Spanish

Record number: 42, Textual support number: 1 DEF

Variación en la cantidad demandada de un determinado producto como consecuencia de cambio en el precio de otro producto substitutivo, manteniendo constante el nivel de renta.  1, record 42, Spanish, - efecto%20sustituci%C3%B3n

Record number: 42, Textual support number: 1 OBS

efecto sustitución: término y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  3, record 42, Spanish, - efecto%20sustituci%C3%B3n

Record 43,  Textual support,  English

Record number: 43, Textual support number: 1 CONT

Excess income is above some base level of income the individual retains for her/his own use.  2, record 43, English, - surplus%20income

Record number: 43, Textual support number: 2 CONT

The trustee determines the bankrupt’s total monthly surplus income by subtracting from the family unit’s available monthly income the amount which, according to the standards, corresponds to the number of persons in the family unit.  1, record 43, English, - surplus%20income

Record 43,  Textual support,  French

Record number: 43, Textual support number: 1 CONT

Le syndic détermine le revenu excédentaire mensuel total du failli en déduisant du revenu mensuel disponible de l'unité familiale le montant établi, conformément aux normes, qui correspond au nombre de personnes composant l'unité familiale du failli.  1, record 43, French, - revenu%20exc%C3%A9dentaire

Record 43,  Textual support,  Spanish

Record 44,  Textual support,  English

Record number: 44, Textual support number: 1 CONT

Current transfers consist of all transfers that are not transfers of capital; they directly affect the level of disposable income and should influence the consumption of goods or services.  2, record 44, English, - current%20transfer

Record number: 44, Textual support number: 2 CONT

The current transfer of funds from the central government to local governments, the standard amount should be guaranteed based on the simplest possible indexes including the population and the area.  3, record 44, English, - current%20transfer

Record 44,  Textual support,  French

Record number: 44, Textual support number: 1 DEF

Transfert de revenus entre agents.  2, record 44, French, - transfert%20courant

Record 44,  Textual support,  Spanish

Record 45,  Textual support,  English

Record number: 45, Textual support number: 1 CONT

It is obligatory for all employees... to belong to one or more complementary retirement plans that pay out retirement benefits prorated on contributions paid in. All employees and employers contribute to the basic plan of the Old Age Security Fund... Added to it, reflecting employee status and income level, are the complementary retirement funds.  1, record 45, English, - complementary%20retirement

Record 45,  Textual support,  French

Record number: 45, Textual support number: 1 CONT

[Les] salariés percoivent une retraite de base et une ou plusieurs retraites complémentaires résultant des différentes activités qu'ils ont exercées au cours de leur carrière.  1, record 45, French, - retraite%20compl%C3%A9mentaire

Record 45,  Textual support,  Spanish

Record 46,  Textual support,  French

Record 46,  Textual support,  Spanish

Record 47,  Textual support,  English

Record number: 47, Textual support number: 1 OBS

In respect of an officer who is paid at a rate within a salary range means the mid-point of the range within which he is paid. (App XXVII)  1, record 47, English, - income%20level

Record number: 47, Textual support number: 2 OBS

CODE dFQCFFAJ  2, record 47, English, - income%20level

Record number: 47, Textual support number: 3 OBS

income level : term officially approved by the Department of National Defence  2, record 47, English, - income%20level

Record 47,  Textual support,  French

Record number: 47, Textual support number: 1 OBS

À l'égard d'un officier rétribué selon un taux déterminé dans les limites d'une échelle des traitements, le point intermédiaire de cette échelle. (App XXVII)  1, record 47, French, - niveau%20de%20revenu

Record number: 47, Textual support number: 2 OBS

niveau de revenu : terme uniformisé par le ministère de la Défense nationale.  2, record 47, French, - niveau%20de%20revenu

Record 47,  Textual support,  Spanish

Record 48,  Textual support,  French

Record 48,  Textual support,  Spanish

Record 49,  Textual support,  French

Record 49,  Textual support,  Spanish

Record 50,  Textual support,  English

Record number: 50, Textual support number: 1 DEF

A curve that shows the set of bundles(x, y) that, for fixed prices, maximize a consumer's utility at each level of income.  2, record 50, English, - income%2Dconsumption%20curve

Record 50,  Textual support,  French

Record 50,  Textual support,  Spanish

Record 51,  Textual support,  English

Record number: 51, Textual support number: 1 DEF

The ratio of consumption to income at any given income level. It differs from marginal propensity to consume, which refers to the ratio of changes in consumption to changes in income.  2, record 51, English, - average%20propensity%20to%20consume

Record 51,  Textual support,  French

Record number: 51, Textual support number: 1 DEF

[...] le rapport de la consommation prévue [...] au revenu prévu : K=C/R.  1, record 51, French, - propension%20moyenne%20%C3%A0%20consommer

Record 51,  Textual support,  Spanish

Record 52,  Textual support,  English

Record number: 52, Textual support number: 1 DEF

The ratio of saving to income at any given income level. For any particular consumption function, the average propensity to save is equal to minus the average propensity to consume. It differs from marginal propensity to save, which refers to the ratio of the changes in saving to changes in income.  2, record 52, English, - average%20propensity%20to%20save

Record 52,  Textual support,  French

Record number: 52, Textual support number: 1 CONT

[...] la propension moyenne à épargner indiquera le rapport entre l'épargne prévue et le revenu prévu : K'=S/R.  1, record 52, French, - propension%20moyenne%20%C3%A0%20%C3%A9pargner

Record 52,  Textual support,  Spanish

Record number: 52, Textual support number: 1 DEF

Proporción del ingreso de un individuo o de toda la economía que no se gasta en consumo de bienes y servicios, es decir, que se ahorra.  1, record 52, Spanish, - propensi%C3%B3n%20media%20al%20ahorro