问题 问答题

案例三:何先生今年40岁,是一位厨师。每月税后收入在ll,500元左右。其妻王女士与何先生同龄,是一名美发师,每月税后收入在6,500元左右。他们唯一的孩子果果今年15岁,正在读初中三年级.何先生现在的住房市值65万元,房屋贷款还清。2005年初,何先生的独居母亲去世,何先生继承了一套住房,半年后何先生将这一房产变卖,取得收入30万元并存入银行。目前何先生一家有各类银行存款约50万元(包括全年收取的税后银行利息8,000元)。何先生一家对理财一直比较关注,他们早就通过购买商业保险进行风险管理,目前保单现金价值已达到20万元(即个人账户余额),去年收到保险分红7,000元;何先生名下目前还有总值15万元的股票型基金(包括全年收到的税后6,000元收益);他们还买了不少国债,目前国债总值约为15万元(包括全年获取的利息约4,500元)。何先生一家的其他财务情况如下:每年保费支出约为18,000元:每年果果的各类补充教育开支在12,000元左右;何先生一家日常保有零用现金l,000元:每个月日常支出约为3,500元左右。除此之外,何先生一家并无其他大额开支项目。目前,何先生觉得应聘请理财规划师解决以下问题:l、现金管理应当加强。2、果果3年后将升入大学,何先生希望果果去英国读大学,目前四年的学费和生活费需要60万元,并且每年增长3%。何先生希望能以定期定额投资的方式为其孩子准备子女教育金。3、何先生夫妇希望65岁时退休。预期寿命为85岁。预计届时两人每年共需生活费用13万元。何先生同样希望能以定期定额投资的方式准备退休金。假定退休后投资收益率为3%,退休前投资收益率为5%。4、在解决上述问题的基础上,何先生希望能有一个平衡稳健的长期投资规划。提示:信息收集时间为2006年1月10日,资料截止时间为2005年12月31日。

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阅读理解

  The 1980s was called the “Me Decade” because for many this time was marked by a fascination with the self. The idea that each person has a self may seem natuaral to us, but this concept is actually quite new. The idea that each human life is unique developed between the 11th and 15th centuries in Europe. Before that time, individuals were considered in relation to a group, and even today, many eastern cultures place more emphasis on the importance of a collective self than on a unique and independent self.

Both eastern and western cultures see the self as divided into an inner, private self and an outer, public self. But where they differ is in terms of which part is seen as the“real you.” Western culture tends to promote the idea of individuality—a self that is separated from other selves. In contrast, many eastern cultures focus on an inter-independent self that gets its diversity in large part from inter-relationship with others.

For example, a Confucian(孔子) idea stresses the importance of “face”—other people’s views of the self and maintaining one’s desired status in their eyes. In the past, some Asian cultures developed clear rules about the specific clothes and even colors that people in certain social classes and occupations were allowed to display, and these live on today in Japanese style manuals. This style of dress is at odds with such western practices as “casual Fridays,” which encourage employees to dress informally and express their unique selves.

小题1: Which is true about the self according to the text?

A.Many eastern cultures see the self connected with others.

B.Those born in the 1980s are generally most self-centered than others.

C.The concept that eac person has a self may seem strange to eastern cultures

D.Western cultures regard the self as an outer, public self while eastern cultures don’t.小题2: What does the 2nd paragraph mainly talk about?

A.How eastern and western cultures see the self.

B.Eastern cultures contrast sharply with western cultures

C.Both eastern and western cultures appreciate the importance of self

D.Eastern cultures are as important as western cultures小题3: A Japanese dress code is mentioned in the last paragraph to _________.

A.explain the importance of “face”

B.say how traditional the Japanese are

C.emphasize the importance of eastern cultures

D.show how eastern cultures see the self in relation to others小题4: The underlined phrase “at odds with” most probably means_______.

A.in agreement with

B.in disagreement with

C.in comparison with

D.in need of

填空题