问题 单项选择题

Companies that advertise on television complain that digital television recording (DTR) services make it possible for consumers to watch television programs without viewing the commercials that these advertisers have paid the television networks to broadcast. The DTR service providers respond that their services may actually help the advertisers, because without their service, many consumers would not have been able to watch the programs--or the commercials in them--in the first place.
Which of the following, if true, offers the most support to the advertisers’ claims that the DTR services are currently hurting their businesses ?()

A. Even the best commercials are usually less entertaining than the programs that consumers choose to watch for themselves.

B. DTR services charge such high rates that only a small percentage of consumers subscribe to them.

C. The average per-second cost of advertising on television has risen every year for the past two decades.

D. More than 90 percent of subscribers to DTR services opt to use a setting that automatically edits out commercials.

E. DTR services alter the television viewing experience by allowing customers to view the program of their choice at the time of their choosing.

答案

参考答案:D

解析:

Answer D suggests that the defense stated by the DTR services providers works only in theory, not in practice. If most subscribers to these services are automatically avoiding all commercials, the companies that have paid to broadcast advertising messages to these viewers are going to get less of a return from their advertising investment, which will hurt their businesses.

单项选择题
单项选择题

假设刘明与王丽是你的新客户,目前正面临生涯与家庭上的转变,需要金融理财师协助规划。经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:

一、案例成员

家庭成员年龄职业身体状况
刘明28某饭店部门经理
王丽(刘明的未婚妻)26某公司秘书
二、收支情况

1.收入情况:刘明每月收入4000元,年终奖为3个月工资,预计未来每年调薪200元;王丽每月收入3000元,年终奖为2个月工资,预计未来每年调薪100元。

2.支出情况:婚前刘明每月支出2500元,王丽每月支出2000元。婚后两人决定将月支出控制在3500元。每月房租支出1000元,故每月总开销仍为4500元;每年计划国内旅游一次,预算支出为4000元。

三、保险及资产状况

两人准备下个月结婚。目前两人都没有保险,原有的积蓄预计在支付结婚相关费用后所剩不多。但两人目前没有负债,往后的各项目标规划皆要以双方的储蓄来准备。

四、理财目标

1.教育金规划:计划5年后生一个小孩,出生后每月养育费用现值1000元,并扶养到 22岁,另18岁时需准备大学费用现值100000元;

2.购房规划:打算10年后购房,总价以现值计为50万元;

3.理财规划:打算购买在2007年1月1日平价发行的债券,每张面值1000元,票面利率10%,5年到期,每年12月31日付息;

4.购车规划:打算最近贷款购买一辆价值10万元左右的汽车;

5.退休规划:30年后两人同时退休,退休时希望每个月有现值4000元可以用。

五、假设条件

假设储蓄的投资报酬率为6%,每年生活费用成长率为2%,每年学费成长率为4%,房价成长率为2%,退休后生活费用成长率为2%,并预计退休后生活为20年。

假定刘明持有该债券至2008年1月1日,而此时的市场利率下降到8%,那么该债券的价值是()元。

A.989

B.1019

C.1109

D.1119