问题 阅读理解

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Why do people work? Of course, you may have asked yourself the same question as why you have to work. “Self-interest” in its broadest sense, including the interests of family and friends, is a basic motivation(动力)for work in all societies. But self-interest includes more than providing for living or getting wealth that people usually think. For example, a sense of duty, a feeling of competing, and a pleasure in working are other reasons for working. Studies show that most of Americans would continue to work even if they have had enough money to live comfortably.

When people work, they gain a contributing place in society. The fact that what they receive pay for their work means that what they do is needed by other people and what they are doing is necessary to society. Work can also place people in the larger class of society and provide all kinds of identities (身份) for them. In the United States, it is a cruel public fact that to do nothing is to be nothing and to do little is to be little. Work is commonly seen as the measure of an individual (个人). 

Some scientists have shown some of the ways that work has effect on our lives. Generally, people who always do their favorite work are more open to new ideas and easier to get along with others, and as parents they pass these characteristics on to their children. Our work then is an important social thing that makes us know who and what we are.

64. Generally, people work for _____.

A. self-interest      B. family       C. earning a living               D. the country

65. In the passage, “what they receive pay for their work” means _____.

A. that the work of the worker is recognized by society

B. what they do is needed by other people

C. that they are a necessary part of the social class

D. That the workers are clever

66. In the last paragraph, we can conclude that the author thinks ____.

A. that work can make the worker rich

B. that work can affect their lives

C. that work can make the worker tired

D. that work can make the worker know the world well

67. The title of the passage is “______”.

A. The Identity and the Work   B. The Work and the Society

C. The Society and Individual   D. The Importance of Work

答案

64-67 CABD 

单项选择题

张先生和张太太刚刚喜得千金,在感到巨大的喜悦的同时,家庭开销大幅度增加,二人已经开始意识到了理财的重要性,并找到一位金融理财师协助规划家庭的未来。
张先生和张太太的相关信息如下:
一、家庭基本情况
张先生今年35岁,是一名IT工程师,已工作10年;张太太30岁,是同一家公司的行政人员,已工作8年。
双方父母均刚刚退休,有社保和退休工资,预计需要赡养25年。
二、家庭收支情况
张先生每月税前收入12000元,年底另有10万元的绩效奖金,张太太每月税前收入4000元,年底另有2个月的工资作为年终奖。
家庭开支由女儿出生前每月5000元增加到现在每月8000元。
三、家庭资产负债情况
张先生家目前有20万元定期存款,无负债。张先生住房公积金账户余额60000元,养老金个人账户余额40000元,医疗个人账户余额10000元;张太太公积金账户余额15000元,养老金个人账户余额10000元,医疗个人账户余额2500元,每年年底结转一次。
四、保险状况
除社会保险外,张先生单位有商业补充医疗保险,可报销社会统筹个人分摊额的90%及社保医疗目录内封顶线以上费用的90%。意外险保额50万元,张太太没有任何商业保险。
五、理财目标优先顺序如下
1.3年后买一套现价150万元的房产,用于自住,尽量使用公积金贷款,贷款期限15年。
2.18年后负担女儿上大学和硕士的学费,大学4年,每年的学费现值2万元,出国留学2年,每年费用现值20万元。
3.25年后夫妻一起退休,希望维持退休前的生活水平,预期退休后生活30年。
六、假设条件:
1.相关信息如下:
·夫妻工资成长率与社平工资成长率均为5%。
·通货膨胀率:3%。
·学费成长率:5%。
·房价成长率:2%。
·养老金收益率:6%。
·住房公积金收益率:5%。
2.利率水平稳定,5年内住房公积金贷款利率为5%,5年以上6.5%;5年内商业贷款利率为7%,5年以上8.5%。当地住房公积金贷款的上限80万元,贷款成数最高七成,最长30年。
3.定期存款收益率2%,国库券收益率3%,债券型基金的投资报酬率6%,标准差7%,股票型基金收益率10%,标准差20%。
4.张先生夫妻退休前的年投资报酬率8%,退休后的年投资报酬率5%。
5.三险一金提拔率:医疗2%,失业1%,住房公积金12%,养老8%。缴费上限为地方月平均工资的3倍。当地上年度月社平工资为3000元。张太太社保缴费以当年工资为基数计算。
6.租给个人的房租收入应缴纳的营业税率及附加为1.65%,房产税率4%,个人所得税率为10%。
7.退休后能够维持每年现值6万元的生活水平,保险事故发生后,家庭开支为现在的80%。

如果现在从存款中拿出15万元用于积累首付,且只使用公积金贷款,那么为实现购房目标,张先生在购房前每年的应有储蓄为______。(答案取最接近值。)

A.3万元
B.5万元
C.10万元
D.12万元

单项选择题 A1型题