问题 单项选择题

根据案例,完成下列问题。
王先生今年的年龄是45岁,他的退休年龄是60岁,目前的物价上涨率比较高,如果考虑到通货膨胀的因素,退休后每年的生活费需要10万元。王先生目前的健康状况良好,预计可以活到80岁,他拿出10万元的银行储蓄进行投资,作为退休基金的启动资金,并打算在每年年末另外投入一笔固定的资金。在退休前,王先生由于工作收入较高,因此采取较为积极的投资策略,假定退休前投资的年回报率为9%;退休后,由于没有工作收入,王先生就采取了较为保守的投资策略,假定退休后投资的年回报率为6%,

从现在开始,王先生为了弥补基金缺口,需要每年另外投入( )元。

A.23348

B.25685

C.26898

D.27777

答案

参考答案:D

解析: 使用财务计算器可以计算如下: N=15,I/Y=9,FV=815564,计算PMT≈27777(元)。

阅读理解

The Wal-Mart in Cleburne, Texas, was crowded. People were waiting in long lines at checkout counters to pay for small things that would be next-morning treasures under someone’s Christmas tree.

The woman standing in cashier Jeffrey Kandt’s line seemed to be living on the edge of subsistence(生计). Her clothes were worn and her hands were those of a person who’d worked hard for what she had. She held a single item in her arms as she patiently waited to move to the front of the line — a Sony CD player. She had saved all year for this. With tax, the total would be close to $ 220.

As the woman got close to the cashier, she suddenly shouted, “Where’s my money? All of my money fro my son’s gift! Oh no!”

“Why my line?” Kandt thought as he watched the poor woman searching through her clothes. He was going to have to call his manager to avoid the sale but it would mean a long wait for the customers behind her. “I am going to go home late tonight,” Kandt thought.

Then an amazing thing happened. At the back of the line, a man took out his wallet, pulled out $100 and passed it forward. As the cash moved up the line, a twen5ty-dollar bill was added here, and a ten-dollar bill was added there. When the collection finally reached the registewr, Kandt counted $ 220.

Strangers had fulfilled a poor woman’s Christmas wish.

The poor in his line at the Wal-Mart in Cleburne, Texas, had come together on Christmas Eve, 2002.

小题1:According to the passage, the woman’s Christmas wish was to ______.

A.collect $ 220 for her family

B.buy her son a CD player as a gift

C.buy enough food for her family

D.organize a big party for her son小题2:Which of the following statements is TRUE about Jeffrey Kandt when the woman couldn’t find her money?

A.He was impatient and wanted to go home.

B.He wanted to see whether the woman had money or not.

C.He wanted the woman to stand in another line.

D.He didn’t think about the customers waiting behind the woman.小题3:What does paragraph 5 mainly talk about?

A.a description of a man standing in the line

B.the cashier, Jeffery Kandt

C.the collection of $ 220

D.a reason why the strangers collected he money小题4:What can we learn from the passage?

A.The woman collected money by herself.

B.The woman seemed to be poor, but in fact had lots of money.

C.Strangers in the line volunteered to help the woman.

D.The woman had never ay money.

单项选择题