TPO 31 - Question 4
Mental Accounting
Although they may not realize it, people do not always manage their money in responsible way. In their minds, people tend to divide their money into different categories as if they were putting it into separate mental bank accounts. This tendency is known as mental accounting. People mentally store some money in one account to be saved, while they imagine other money being stored in another account from which money can be taken and freely spent. Mental accounting can lead people to spend more money than they should, which can make it difficult for them to save enough money to achieve their long-term financial goals.
TPO 31 - Question 4
Mental Accounting
Although they may not realize it, people do not always manage their money in responsible way. In their minds, people tend to divide their money into different categories as if they were putting it into separate mental bank accounts. This tendency is known as mental accounting. People mentally store some money in one account to be saved, while they imagine other money being stored in another account from which money can be taken and freely spent. Mental accounting can lead people to spend more money than they should, which can make it difficult for them to save enough money to achieve their long-term financial goals.
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on vocabulary words:
No of characters: 566.0 592.248995984 96% => OK
No of words: 142.0 155.574297189 91% => More words wanted. You may: choose simpler words or speak faster or remove hesitations or remove long pauses, and fully use the time, do NOT save one or two seconds.
Chars per words: 3.98591549296 3.80514564318 105% => OK
Fourth root words length: 3.45201032557 3.525876923 98% => OK
Word Length SD: 1.71975233843 1.79077849142 96% => OK
Unique words: 90.0 93.7148594378 96% => OK
Unique words percentage: 0.633802816901 0.604071249207 105% => OK
Syllable count: 171.0 185.844578313 92% => OK
Avg_syllables_per_word: 1.2 1.19417670683 100% => OK
Performance on coherence:
Topic speech coherence ratio: 0.113016558605 0.0650381309087 174% => OK
Acoustic performance on paragraphs:
How many acoustic paragraphs: 2.0 4.35341365462 46% => OK
Average paragraph length: 71.0 68.503853103 104% => OK
STD paragraph length: 1.0 21.3332995233 5% => OK
Average paragraph duration: 29.915 25.9943957902 115% => OK
STD paragraph duration: 0.315 7.84667146824 4% => The duration of acoustic paragraphs keeps same.
Acoustic performance on sentences:
How many acoustic sentences: 46.0 42.0642570281 109% => OK
Average acoustic sentence length: 3.08695652174 4.02192344571 77% => OK
STD acoustic sentence length: 2.03048598762 3.1217529195 65% => OK
Average acoustic sentences duration: 1.25739130435 1.45093177766 87% => OK
STD acoustic sentences duration: 0.706520668896 0.99851816184 71% => OK
Acoustic performance on acoustic silence:(An acoustic silence means a little pause between two or more words)
How many acoustic silence: 42.0 39.0421686747 108% => OK
Total acoustic silence duration: 8.86 7.12997991968 124% => It may have a lot of silences or every silence is too long.
Average acoustic silence duration: 0.210952380952 0.185688545393 114% => OK
STD acoustic silence duration: 0.157341144739 0.155154303396 101% => OK
Acoustic performance on acoustic words:
Total word duration: 46.82 47.1480722892 99% => OK
Average word duration: 0.329718309859 0.305395592593 108% => OK
STD word duration: 0.192236443548 0.189427763521 101% => OK
Disfluencies: like hesitations, or 'ehn' or taking a long time to pronounce a word:
How many disfluencies: 15.0 7.94979919679 189% => It may have 'ehn' in the speaking, or it has hesitations or overlapping speeches.
Total_disfluencies_duration: 10.76 6.2937751004 171% => Somehow the hesitation is serious.
Total acoustic noise duration: 2.23 3.39508032129 66% => OK
Acoustic rates:
Total speech duration: 59.83 59.7592369478 100% => OK
Compare to expected duration: 0.997166666667 0.995987282463 100% => OK
Rate of silence: 0.701988968745 0.656000678711 107% => OK
Rate of speech: 2.37339127528 2.60215298798 91% => Need to bring more content.
Rate of speech by unique words: 1.50426207588 1.56821927147 96% => OK
Rate of word duration by unique words: 1.92225544639 1.99336655568 96% => OK
Average articulation rates: 0.3259665 0.317803793328 103% => OK
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Rates: 71.6666666667 out of 100
Scores by speech e-grader: 21.5 Out of 30
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Note: the speech e-grader does NOT examine the meaning of words and ideas.