问题 单项选择题


家住成都的刘先生和任女士苦于对财务的打理,其家庭资产构成为单纯的银行存款。如何才能分享到中国经济的发展而带来可观的收益,刘先生一家的生活怎样才变得滋润。带着这些疑问,他们咨询了金融理财师。通过谈话,理财师了解到他们的基本情况。
一、案例成员
家庭成员年龄职业身体状况
刘先生33建筑工程师
任女士31医生
二、家庭收支状况
                表1 月收入支出表 (单位:元)
月收入金额月支出金额
工资收入15500住房按揭贷款1800
投资收入日常生活支出3000
其他收入养车支出1200
月支出合计6000
月收入支出合计15500月节余9500

                表2 年度性收入支出表 (单位:元)
收入项目金额支出项目金额
年工作收入186000消费支出72000
本人工资收入30000住房按揭21600
本人奖金收入90000日常生活支出36000
配偶收入66000养车支出14400
公积金收入21600投资支出
利息收入3060其他支出
其他收入
收入合计210660支出合计72000
或有收入70000净收入138660
三、家庭资产负债状况                 表3 家庭资产负债表 (单位:元)
资产项目金额负债项目金额
现金极现金等价物267000长期负债388800
现金及活期储蓄17000个人住房贷款388800
定期存款250000短期负债
公积金帐户余额70000其他负债
金融投资资产
其他投资资产
商业保险
个人使用资产500000
自用住宅500000
资产合计837000负债合计388800
净资产448200
四、保险状况
1.刘先生夫妇除单位购买有社会保险外,没有购买任何商业保险;
2.刘先生父母均已退休,身体状况良好。父母退休前均在政府部门工作,退休后的退休金收入稳定,医疗保障齐;
3.任女士父母也已经退休,有稳定的退休金和一定的医疗保障,父亲身体健康,但任女士的母亲患有糖尿病。
五、理财目标
1.计划两年后要小孩,希望不因养育小孩和供小孩教育的支出影响家庭现有的生活水平,有充足的教育基金;
2.希望任女士母亲的病能够得到尽可能充足的保障;
3.刘先生感觉工作繁忙,生活质量不高,希望能够在50岁时提前退休,退休后能够保持现有生活水平。
六、假设条件
假设年通货膨胀率为3%;工资增长率为3%;刘先生每年获得设计费收入的可能性为50%。

接第18题,假设两年后小孩出生,小孩出生后每年为小孩准备3万元的教育基金,教育基金的投资回报率为3%,则退休时小孩教育基金的终值为( )元。

A.558657.23

B.604706.44

C.652148.33

D.701283.24

答案

参考答案:B

解析: PV=0;N=16;PMT=30000,R=3.0%;教育基金的终值为:FV(3%,16, -30000)=604706.44(元)。

选择题
阅读理解

Chances

I really love my job because I enjoy working with small children and like the challenges and awards from the job. I also think my work is important. There was a time when I thought I would never have that sort of career(职业).

I wasn't an excellent student because I didn't do much schoolwork. In my final term I started thinking what I might do and found I didn't have much to offer. I just accepted that I wasn't the type to have a career.

I then found myself a job, looking after two little girls. It wasn't too bad at first. But the problems began when I agreed to live in, so that I would be there if my boss had to go out for business in the evening. We agreed that if I had to work extra hours one week, she'd give me time off the next. But unfortunately, it didn't often work out. I was getting extremely tired and fed up, because I had too many late nights and early morning with the children.

One Sunday, I was in the park with the children, and met Megan who used to go to school with me. I told her about my situation. She suggested that I should do a course and get a qualification(资格证书)if I wanted to work with children. I didn't think I would be accepted because I didn't take many exams in school. She persuaded me to phone the local college and they were really helpful. My experience counted for a lot and I got on a part­time course. I had to leave my job with the family, and got work helping out at a kindergarten.

Now I've got a full­time job there. I shall always be thankful to Megan. I wish I had known earlier that you could have a career, even if you aren't top of the class at school.

小题1:What is the author's present job?

A.Working part­time in a college.

B.Helping children with their schoolwork.

C.Looking after children at a kindergarten.

D.Taking care of children for a family.小题2:When staying with the two girls' family, the author________.

A.was paid for extra work

B.got much help from her boss

C.took a day off every other week

D.often worked long hours小题3:Why did the author leave her first job?

A.She decided to attend a part­time course.

B.She found a full­time job.

C.She was fed up with children.

D.She needed a rest after working extra hours.小题4:What has the author learned from her own experiences?

A.Qualifications are necessary for a career.

B.Hard work makes an excellent student.

C.One must choose the job she likes.

D.Less successful students can still have a career.