问题 单项选择题

张先生的家庭目前有资产20万元,年储蓄10万元,年投资报酬率6%,有如下理财目标:
(1)2年后购买届时70万元的住房,打算自备款30万元,贷款40万元,贷款利率5%,期限20年,按年本利平均摊还。
(2)20年后负担女儿上大学和硕士的学费,每年学费的现值为10万元,共6年,学费增长率5%。
(3)30年后夫妻一起退休,准备届时200万元退休金,退休后无退休金领取。

如果采用目标顺序法,在女儿上大学当年张先生可以累积资产( )。

A.247.1706万元

B.295.9845万元

C.209.38587万元

D.285.6464万元

答案

参考答案:A

解析: 20万元投资,每年储蓄10万元在2年后的终值是:20CHS PV,10CHS PMT,6i,2n,FV=43.0720,付完首付30万元后还剩余13.0720万元,在女儿上学当年可积累:13.0720CHS PV,6i,18n,0PMT,FV=37.3119万元
每年还房贷:40PV,5i,20n,0FV,PMT=-3.2097万元,从实现购房目标到教育金目标的18年中每年可以剩余储蓄:10-3.2097=6.7903万元,在上大学当年可积累:18n,6i,6.7903CHS PMT,0PV,FV=209.8587万元
所以在女儿上大学当年可以累积:209.8587+37.3119=247.1706万元

阅读理解

C

Our brains work in complex and strange ways.There are some people who can calculate the day of the week for any given date in 40,000 years, but who cannot add two plus two.Others can perform complex classical piano pieces after hearing them once, but they cannot read or write.

Dr.J.Langdon Down first described this condition in 1887.He called these people idiot savants.An idiot savant is a person who has significant mental impairment (损伤) , such as in autism or retardation.At the same time, the person also exhibits some extraordinary skills, which are unusual for most people.The skills of the savant may vary from being exceptionally gifted in music or in mathematics, or having a photographic memory.

One of the first descriptions of a human who could calculate quickly was written in 1789 by Dr.Benjamin Rush, an American doctor.His patient, Thomas Fuller, was brought to Virginia as a slave in 1724.It took Thomas only 90 seconds to work out that a man who has lived 70 years, 17 days, and 12 hours has lived 2,210,500,800 seconds.Despite this ability, he died in 1790 without ever learning to read or write.

Another idiot savant slave became famous as a pianist in the 1860s.Blind Tom had a vocabulary of only 100 words, but he played 5 ,000 musical pieces beautifully.

In the excellent movie Rain Man, made in 1988 and available on video cassette, Dustin Hoffman plays an idiot savant who amazes his brother played by Tom Cruise, with his ability to perform complex calculations very rapidly.

Today we more clearly recognize that the idiot savant is special because of brain impairment.Yet not all brain impairment leads to savant skills.Some studies have shown that people who have purposeful interruption of the left side of the brain can develop idiot savant skills.However few people wish to participate in such experiments.There are many excellent reasons for not undergoing unnecessary experimentation on one's brain.The term idiot savant is outdated and inappropriate.Virtually all savants have a high degree of intelligence and are thus not idiots.

63.What does the passage mainly talk about?

A.Idiot savants have areas of outstanding abilities.

B.Human Beings have complicated thinking process.

C.The brains of the idiot savants are partly impaired.

D.The reasons why people have wonderful skills vary.

64.Which of the following can be done by Rain Man?

A.He can play wonderful pieces of classical music.

B.He can guess out exactly the length of a man's life.

C.He can memorize the contents of the pictures fast.

D.He can count matches dropped on the floor quickly.

65.What can you infer from the passage?

A.Idiot savants have real talents for art and math.

B.Dr.Down is the first person who found idiot savants.

C.Few people wish to risk becoming savants by brain operations.

D.Intentional left brain impairments will surely lead to idiot savants.

66.Which of the following shows the structure of the passage?

1—5refer to paragraph 1—5.

问答题 简答题