问题 阅读理解

It’s interesting that the arrival of snow has a different effect on people in different countries. For some countries it is an important happening to celebrate each year, while for others it is a catastrophe (灾难).

There are countries between these two extremes that normally expect snow some time over the winter months, but never receive snow regularly or in the same quantities every year. Britain is one such country, for which the arrival of snow quite simply creates problems. Within hours of the first snowfall, however light, roads are blocked, trains and buses stop in the middle of traffic. Normal communications are affected as well, telephone calls become difficult and the post immediately takes more time than usual. Almost within hours, there are also shortages(缺乏) –bread, vegetables and other things – not because all these things can no longer be produced or sent to shops, but mainly because people are frightened, and go out to store up these commodities, “just for fear that something bad should happen.”

Why then does snow have this effect? After all, the Swiss, Austrians and Canadians don’t have such problems. It is simply because there is not enough plan and preparation. We need money to buy equipment to deal with snow and ice. To keep the roads clear, for example, requires snow ploughs and machines to spread salt. The reason why a country like Britain does not buy some ploughs is that they are only used for a few days in any one year, and the money could be more useful in other things such as hospital education or helping the old.

小题1:According to the writer, Britain is a country____.

A.which has regular snow

B.which is not well prepared for snow

C.for which snow is not a catastrophe

D.for which snow is a wonder小题2:The arrival of snow in Britain affects all of the following except____

A.traffic

B.communication

C.food supplies

D.service quality小题3:After a few hours’ snowing there are often shortages of food because______

A.shops have closed down

B.people buy as much as they can

C.farmers can’t produce any more

D.people eat more vegetables in winter小题4:The first reason why the British don’t buy snow ploughs is that______

A.spreading salt is good enough

B.old people need more money

C.snow ploughs are not used often

D.the hospital is more important

答案

小题1:B

小题1:D

小题1:B

小题1:C     

单项选择题
单项选择题


随着离婚率的提高,单亲家庭越来越多,一位单亲母亲既要照顾自己的事业,又要关心孩子的成长,的确不是一件容易的事。如果不能做好家庭的财富安排,风险要远远大于普通的三口之家。所以刘孜想作一个理财计划,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、案例成员表
家庭成员年龄职业身体状况
刘孜30岁公司老板
刘女士的儿子4岁上幼儿园
二、家庭收支表
                      表1 每月收支状况 (单位:元)
每月收入每月支出
本人收入30000房屋或房租6900
房租收入2000基本生活开销8000
其他支出5000(汽车贷款)
合计32000合计19900
每月结余12100

                      表2 年度性收支状况 (单位:元)
收入支出
年终公司利润70000保险费9200
存款利息2100产险0
股利、股息其他8000(旅游)
合计72100合计17200
每年结余54900
三、家庭资产负债表
                      表3 家庭资产负债表 (单位:元)
家庭资产家庭负债
现金及活存100000房屋贷款(余额)980000
美金10000(美元)汽车贷款(余额)80000
股票消费贷款(余额)0
房地产(自用)720000信用卡未付款0
房地产(出租)980000其他0
资产总计1870000负债总计1060000
净值810000
四、保险方面
购买了一份分红险,年保费支出为9200元。
五、家庭理财目标
1.筹措儿子教育基金,给孩子以最好的教育;
2.自己的退休养老安排;
3.通过资产投资组合,流动资产达到100万;
4.在面对意外事件发生时,能提供财务安全保障。
六、假设条件
1.通货膨胀率为3%;刘女士风险偏好类型属于稳健偏积极型;
2.假设人民币对美元的汇率为约7.0;
3.房贷还款年利率为5.58%。

目前刘女士还拥有第二套住房,在按揭。第一套房屋剩余贷款30万元,每月还贷3000元;第二套房屋剩余贷款68万元,如果第二套房屋的还款期限还剩20年,还款利率为 6.12%,则每月的还贷额为( )元。

A.3947

B.4659

C.4919

D.5634