问题 单项选择题


即将退役的运动员林建明先生打算自己创业,但其面临许多困惑,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
姓名年龄职业身体状况
林建明30岁运动员,将要退役
田虹27岁运动伤害医生
二、收支情况
林建明的收入不确定,田虹每月税后收入4000元;家庭主要开销:每个月生活费1万元。
三、资产情况
存款300万元,房产150万元。
四、保险情况
林建明先生没有参加社保,田虹参加了社保,尚未购买任何商业保险。
五、理财目标
1.两人一个月后结婚,预计婚礼各项费用合计20万元。
2.一年后筹资300万元创业,代理国外运动用品并逐步发展自有品牌。
3.两年后生小孩,预计教养费用一年3000元现值,养育22年。子女教育支出:4~6岁,幼儿园,每年支出现值2万元;7~18岁,中小学,每年支出现值为1万元;19~22岁,大学,每年支出现值2万元;23~24岁,出国留学,每年支出现值20万元。
4.五年后换购现值300万元的别墅一栋,尽量少用贷款。
5.28年后两人同时退休,退休后希望有现值每月1万元可用,且退休后前20年每年出国旅游,费用现值5万元。
六、假设条件
1.通货膨胀率为3%,房价成长率为4%,金融资产投资报酬率为16%,学费成长率为4%,房贷利率为6%,创业贷款利率为8%,投资回报率为10%。
2.两人预计退休年限为28年,预计退休后余命20年。
3.田虹的“三险一金”:住房公积金12%、养老8%、医疗2%、失业1%。

五年后,林建明夫妇将旧房售出款支付购买别墅的首付,还需贷款( )万元。(假设住房折旧率2%)

A.185

B.190

C.195

D.209

答案

参考答案:D

解析:
五年后,别墅的价格=300×(1+4%)5=365(万元);旧房的售价=150×(1+4%-2%)2=156(万元);所以贷款=365-156=209(万元)。

单项选择题 A1/A2型题
阅读理解

Turning on the TV, a wonderful scene comes to your eyes—a group of men, tall, strong and handsome, and women, young, beautiful and attractive, too. Together they eat in the finest restaurants, traveling everywhere around the world by luxurious planes and pleasure ships. They are models.

Do you envy them? What sort of life are models leading? Is it a wonderful life for a young lady or a young man?

A few models are well-known actors or actresses who can make a lot of money only by showing themselves off in commercials. But the majority of them are just curious to see what it is like. They’d like to be models just because they are attracted by what they imagine—models earn a lot of money and lead a glorious life. This is true for those who are very successful. However, most models find it difficult to get work. Very few can earn enough to live on, and for all models their expenses are high. Their agents claim about 20% of the earnings, and no model will get very far without a clever agent. Besides, they have to buy good clothing. They also have to pay to travel to interviews and reach the places where the work is to be done.

Interviews for a model job are known as cattle-markets in the modeling world, and not without a good reason. A top model can choose his or her work, demand and receive high fees and has his or her expenses paid. But for most models, the situation is quite different. And agent or employer inspects each model much as a farmer inspects cattle at a market. Intelligence, qualifications and personal characteristics count for little against good looks and tight figures. For all except the very few lucky ones, the life of a model is a continual search for work, trying to sell himself or herself in the face of fierce competition and, sometimes, not particularly moral standards on the part of some employers.

Immigration officials at airport look suspiciously at a girl whose passport shows her occupation as “Model”, and these are men and women of considerable experience of the world. It comes no surprise to find that some models prefer to put “Secretary” or “Businessman” as their jobs in their passports.

Modeling is a changeable world with great rewards for a tiny minority but not for the majority.

1. For models, their good looks and tight figures are ____, compared with their intelligence and qualifications.

A. more important    B. less needed     C. less essential    D. more looked down upon

2. Which of the following can lead you to believe according to the passage?

A. A model’s traveling expenses are usually paid by his employer.

B. To be a model, good looks are the most important qualification.

C. Most models have a fairly easy way of life with high pay.

D. A model can hardly be successful without a good agent.

3. Models often put “Secretary” or “Businessman” instead of “Model” in their passports because ____.

A. they want to avoid being stopped to sign their names by fans

B. a person with the occupation of a model is easily attacked by black societies

C. models are sometimes looked down upon

D. secretaries and businessmen are free of custom duty

4. What may be the author’s attitude towards modeling?

A. It is a worthwhile life for a young lady or a young man.

B. He is in favour of young people to try modeling.

C. Before being crazy about a model job, young people should be aware of the difficulties.

D. It is a field in which everyone has a great chance to succeed.

5. The underlined word “suspiciously” can most probably be replaced by ____.

A. doubtfully         B. excitedly         C. proudly           D. sadly