问题 阅读理解

阅读理解

     Half an hour of exercise a day can add an extra five years on your life, a ground breaking research

has revealed.Health experts said that walking or cycling gently has massive longterm benefits.According

to the World Health Organization, research carried out in Britain and Denmark shows that gentle

workouts (锻炼) and even housework every day can boost life spans by as much as five years.

     The news will provide encouragement for those couch_potatoes to start taking exercise.Britain is in

the grip of an obesity epidemic (肥胖症), with just 35% of men and 24% of women taking regular

exercise.

     "Encouraging people to be physically active every day has so many health benefits, " said Dr.Marc

Danzon, WHO regional director for Europe."These include reducing the risk of developing certain

diseases and of becoming obese, as well as contributing to physical coordination, balance, strength and

mental wellbeing.It is a very costeffective public health tool."

     The organization is so concerned that the public is not getting the message on exercise that it will 

 launch a "Move for Health" campaign to boost public awareness.

     "The WHO encourages adults to take at least 30 minutes of moderate physical exercise a day,

defined as any body movement that results in energy expenditure (消耗), " said Dr  Danzon."This

includes walking, cycling, playing, housework, climbing stairs as well as sports." He added that children

should take at least 60 minutes of exercise every day.

1. The underlined phrase "couch potatoes" probably means______.

A. lazy bones who spend a lot of time sitting

B. people who like eating potatoes

C. persons who usually rest on a couch

D. players who take exercise with potatoes

2. Taking physical exercise every day benefits one's health in the following aspects except________.

A. strengthening body coordination

B. developing certain diseases and becoming obese

C. keeping body balance

D. keeping fit mentally

3. Which statement is NOT true according to the passage?

A. Children should take more physical exercise than adults every day.

B. The WHO has tried to improve people's knowledge about exercise by launching a campaign.

C. People with an obesity epidemic in Britain seldom take regular exercise.

D. Physical exercise brings the best possible profit to public health at the lowest cost.

4. Which of the following is probably the author's attitude towards "trybeforeyoubuy" salesmanship?

A. Honorable.  

B. Favorable.  

C. Negative.  

D. Suspicious.

答案

1-4: ABCD

单项选择题 A3/A4型题
问答题

案例三 客户基本资料:韩先生35岁,是一家合伙企业的合伙人。2006年,他与同岁的刘女士结婚,婚后刘女士做了全职太太。韩先生目前月薪1万元(税前),年终奖金15万元(税前),没有任何社保,二人过着较为宽裕的生活。2005年回国之初,韩先生贷款购买了一套50平米的酒店式公寓,价款50万元,20%的首付,采用等额本息还款方式,贷款期限为15年,利率为5.31%。婚后二人感觉生活空间狭小,于是在2007年1月购买了另一套价值120万元100平米精装修的住房,三成首付后,其中30万采用公积金等额本息贷款方式,贷款利率4.85%,贷款期限为20年;其余采用等额本金贷款方式,利率5.81%,贷款期限同样为20年。搬入新家后,原来的酒店式公寓用于出租,租金每月2000元。随着房价的上涨,目前这套酒店式公寓已升值至65万元。随着韩先生家庭收入的增多,支出也在增加。2006年初,韩先生购入了一部价值20万元的轿车,每月的养车费用1000元。韩先生一家基本生活支出每月2000元;韩太太每年的护肤美容支出8000元;家庭每年健身支出4000元。二人每年一次的旅游支出花费10000元。此外,韩先生由于应酬较多,各种应酬开支每月2000元;孝敬双方父母每月1000元。韩先生工作较为繁忙,很少有时间顾及到家庭理财状况,而刘女士对理财又知之甚少,2007年初,听朋友介绍,购买了20万元的股票,由于操作不当,到年底只剩15万元。但刘女士购买的30万元的股票型基金,倒是盈利2万元。此外,韩先生家庭有活期存款5万元,定期存款20万元,国债20万元。韩先生家庭需要理财规划师为其解决的理财问题主要有:1、2008年3月,二人的奥运宝宝康康出生,一家人在高兴的同时,也开始为儿子的未来做打算。韩先生对儿子寄予了很高的期望,希望他能接受最好的教育,并打算让儿子18年后出国读本科。综合考虑国外的学费及生活费用,需要为儿子留出80万的大学费用。假设投资报酬率为5%。2、韩先生二人都没有购买任何商业保险,韩先生考虑到刘女士不工作,一旦他发生意外,家庭生活将成问题,因此考虑购买一定的商业保险。3、韩先生夫妇打算55岁可以退休享受生活,二人预计寿命为85岁,考虑到通货膨胀及各种旅游休闲开支,以7%的投资报酬率,到55岁共需养老费用250万元。4、韩先生虽然收入较多,但每月的房贷让韩先生感到压力很大,考虑到以后的退休与孩子的教育,韩先生十分担心,希望理财规划师能为其做一个合理的规划,帮其改善家庭债务状况。5、能保持家庭良好的现金流动性。提示:信息收集时间为2007年12月31日。不考虑存款利息收入。不考虑房租需缴纳的个人所得税。月支出均化为年支出的十二分之一。工资薪金所得的免征额为1,600元。不考虑折旧计算过程保留两位小数,计算结果保留到整数位。

分项理财规划方案(25分)