问题 单项选择题


D先生从事软件行业工作,其妻子从事的是贸易行业的工作,两人准备要孩子,想作一理财规划,他们家的基本情况如下:
一、家庭成员资料
家庭成员年龄职业
D先生29软件行业
妻子29贸易行业
二、收支情况
               表1 每月收支表 (单位:元)
每月收入每月支出
本人收入5500房屋或房租1200
配偶收入2500基本生活开销1600
其他家人收入衣、食、行、娱乐2000
其他收入医疗费100
合计8000合计4900
每月结余(收入-支出)3100
                表2 年度性收支表 (单位:元)
收入支出
年终奖金20000人情支出5000
股利、股息
其他
合计20000合计
每月结余(收入-支出)15000
三、资产负债情况
              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20000房屋贷款(余额)
股利、股息150000汽车贷款(余额)
其他50000(父母资助)消费贷款(余额)
合计220000负债总计
每月结余(收入-支出)220000
四、保险情况
D先生已有20万元保额的意外险和20万元保额的医疗保险,均为公司福利,无需自己出钱。妻子没有买过任何保险。
五、理财目标
1.明年孩子出生,月支出增加1000元。孩子18岁上大学,大学学费现值2万元/年。
2.购房目标有两种情况,方案一为立即购房,方案二为三年后买房,打算购买小户型房子,房子现值为65万元。
3.养老金的准备:D先生60岁退休,其妻子55岁退休,退休支出现值4900元/月。
六、假设条件
通货膨胀率为5%,收入增长率为10%,生活支出增长率为10%。

若D先生和其妻子退休生活20年,那么其养老需求为( )元。

A.5172268

B.5173368

C.5174468

D.5175568

答案

参考答案:A

解析: 第一年养老支出为266837元,折现率为实质报酬率:(1+5.31%)/(1+5%)- 1=0.3%。PV(0.3%,20,266837)=-5172268,养老需求为5172268元。

单项选择题
阅读理解

What will man be like in the future — in 5,000 or even 50,000 years from now? We can only make guesses, of course, but we can be sure that he will be different from what he is today, for man is slowly changing all the time.

Let us take an obvious example. Man, even five hundred years ago, was shorter than he is today. Now, on average, men are about three inches taller. Five hundred years is a relatively short period of time, so we may assume that man will continue to grow taller. Again in the modern world we use our brains a great deal. Even so, we still make use of only about 20% of the brain’s capacity (容量). As time goes on, however, we shall have to use our brains more and more, and eventually we shall need larger ones! This is likely to bring about a physical change too: the head, in particular the forehead, will grow larger.

Nowadays our eyes are in constant use. In fact, we use them so much that very often they become weaker and we have to wear glasses. But over a very long period of time it is likely that man’s eyes will grow stronger.

On the other hand, we tend to make less use of our arms and legs. These, as a result, are likely to grow weaker. At the same time, however, our fingers will grow more sensitive because they are used a great deal in modern life.

But what about hair? This will probably disappear from the body altogether in course of time because it does not serve a useful purpose any longer. In the future, then, both sexes are likely to be bald.

Perhaps all this gives the impression that future man will not be a very attractive creature to look at! This may well be true. All the same, in spite of all these changes, future man will still have a lot in common with us. He will still be a human being, with thoughts and emotions similar to our own.

56. The size of man’s forehead will probably grow bigger because _______.

A. he will use his brain more and more as time goes on

B. he makes use only 20% of the brain’s capacity

C. his brain has grown larger over the past centuries

D. the other 80% of his brain will grow in due time    

57. What serves as the evidence that man is changing?

A. Man has got stronger eyes now than he ever had.

B. Man has been growing taller over the past 500 years.

C. Man’s hair is getting thinner and thinner.

D. Man’s arms and legs have become lighter and weaker.

58. What will be true about a human being in the future?

A. He will be hairless because hair is no longer useful.

B. He will have smaller eyes and will wear better glasses.

C. His fingers will grow weaker because he won’t have to make use of them.

D. He will think and feel in a different way.

59. It is implied that __________________.

A. human beings will become more attractive in the future

B. body organs will become poorer if they are not used often

C. human beings hope for a change in the future life

D. future life is always predictable

60. The passage mainly tells us that _______________.

A. man’s life will be different in the future  B. man is growing taller and uglier as time passes

C. future man will look quite different from us

D. human beings’ organs will function weaker