问题 单项选择题

陈女士,36岁,未婚,在北京某外企从事咨询工作。2009年每月税前收入15000元,月外出就餐支出和置装支出合计2000元,开车上班每月交通支出1200元,基本生活费用支出1000元。父母退休后搬来北京与陈女士同住,每月负担两位老人生活费1500元,预计两位老人余寿还有15年。陈女士6年前在北京购买了一套总价为90万元的住宅,首付30万元,贷款期限20年,贷款利率5%,按月本利平均摊还。
保险方面,陈女士已经购买了保额30万元,20年期的定期寿险,且保费已全部缴清。陈女士工作比较辛苦,她希望能够在50岁时退休,退休后余寿30年,目前已累积存款20万元,准备拿出其中一半进行退休规划。预计退休当年每月生活开支3000元,而且考虑到随年龄增大,健康状况不佳,退休时还需额外准备一笔10万元的活期存款用于可能发生的大额医疗费用支出。假设年投资报酬率7%,按月复利,不考虑通货膨胀率。

假设不考虑国家基本养老金,则在陈女士目前所做的退休规划的基础上,工作期间每月还需储蓄( ),才能满足退休后的各项需求(答案取最接近值)。

A.1013元

B.670元

C.1186元

D.1897元

答案

参考答案:A

解析: 陈女士退休后生活支出在退休时点的总需求:g BEG,30gn,7gi,0.3CHSPMT,0FV,PV=45.3553万元。还需准备10万元大额医疗费用支出,所以退休后费用总需求为:45.3553+10=55.3553万元。目前已有10万元用于退休储蓄,所以每月应储蓄:55.3553FV,7gi,14gn,10CHS PV,g END,PMT=-0.1013万元

单项选择题
单项选择题

The idea that some groups of people may be more intelligent than others is one of those hypotheses that dare not speak its name. But Gregory Cochran is (1) to say it anyway. He is that (2) bird, a scientist who works independently (3) any institution. He helped popularize the idea that some diseases not (4) thought to have a bacterial cause were actually infections, which aroused much controversy when it was first suggested.

(5) he, however, might tremble at the (6) of what he is about to do. Together with another two scientists, he is publishing a paper which not only (7) that one group of humanity is more intelligent than the others, but explains the process that has brought this about. The group in (8) are a particular people originated from central Europe. The process is natural selection.

This group generally do well in IQ test, (9) 12-15 points above the (10) value of 100, and have contributed (11) to the intellectual and cultural life of the West, as the (12) of their elites, including several world-renowned scientists, (13) . They also suffer more often than most people from a number of nasty genetic diseases, such as breast cancer. These facts, (14) , have previously been thought unrelated. The former has been (15) to social effects, such as a p tradition of (16) education. The latter was seen as a (an) (17) of genetic isolation. Dr. Cochran suggests that the intelligence and diseases are intimately (18) . His argument is that the unusual history of these people has (19) them to unique evolutionary pressures that have resulted in this (20) state of affairs.

20()

A.paradoxical

B.incompatible

C.inevitable

D.continuous