问题 单项选择题


假设卢先生是一位有财可理的成功人士,事业上,经过几年的积累已打下根基,正处于高速发展阶段。卢太太在航空公司工作,职业稳定、收入理想。目前卢先生与卢太太正面临职业生涯与家庭上的转变,需要金融理财师协助规划。经过初步沟通面谈后,获得了以下家庭、职业与财务信息:
一、案例成员
家庭成员年龄职业身体状况备注
卢先生30外贸公司老板良好公司已过拉最初创业阶段,目前发展稳定
卢太太25空姐良好预计40岁左右转地勤部门工作
孩子未出生计划两年后出生
二、收支情况                   表1 卢先生家的家庭收支情况 (单位:元)
收入项(税后)支出项
每月全年每月全年
本人收入50000600000基本生活开销10000120000
配偶收入10000120000房屋贷款(注1)10000120000
年终奖金100000保费支出(注2)5000
收入合计60000820000支出合计20000245000
结余40000575000
注1:贷款本金80万元,每月还贷支出1万元 注2:分红型保险,保额9万元,被保险人是卢太太 三、家庭资产负债情况                    表2 家庭资产负债表 (单位:元)
家庭资产家庭负债
别类金额别类金额
现金及活期存款650000房屋贷款800000
房产(自住)800000
房产(办公)1240000
合计2690000合计800000
家庭资产净值1890000
四、保险情况
卢先生为卢太太购买了一份分红型保险,保额9万元,被保险人是卢太太。卢先生认为保险是事后保险,体现的主要是一种对家庭的责任。作为理财工具,保险的收益率不高,现实意义不大。
五、客户的特殊状况与理财目标:依重要性顺序列示
1.短期目标:财务安全规划——建立应急准备金、全家的保险规划;
2.中期目标:为孩子的出生和规划教育金作准备和购买别墅;
3.长期目标:逐步积累家庭财富,规划好养老金准备;
4.其他目标:拿出50万元进行各类投资,使钱不断增值。
六、假设条件
1.以4%的温和通胀率作为本理财规划中的假定值;
2.卢先生公司发展稳定,但由于外贸行业不确定因素较多,保守的假设卢先生收入保持现有水平,不考虑增幅。根据对航空公司的了解,空姐每年收入增长5%左右,生育期间,月薪2500元左右,40岁将转地勤部门工作,收入约为原来的60%;
3.目前,国内学费的年均增长率为5%~6%,以5%作为教育费用增长率的假定值;
4.房地产问题既是经济问题又是社会问题,政策对这个产业和市场至关重要。房价短期进入了调整阶段,但随着经济的快速持续增长,房产市场的长期走势还是看好的,假设房产每年的增长率为5%;
5.假设卢先生夫妇都已参加城镇统筹医疗保险;
6.卢先生夫妇预计50岁提前退休。

卢先生夫妇打算2008年底换购一套250万元左右的房屋,改善居住质量,准备迎接家庭新成员。假设买一处面积约150平方米,总价250万元左右的房子,并于2009年下半年,卖出现有的自住房。新房首付100万,贷款150万,贷款期限12年,月供 ( )元。(假设商业贷款5年以上利率为7.11%)

A.14513.81

B.14445.2

C.14942.28

D.15513.81

答案

参考答案:D

解析: PMT(7.11%/12,144,1500000)=-11513.81。

单项选择题

After winning a big game, athletes are often asked how they feel. Usually athletes say how (1) it is to win this big game. On the contrary, the fact is that losing a big game, or in my case, all the games, can be even harder.

From the spectators’ point of view, last year’s basketball (2) for my high school team was nothing (3) of an embarrassment. And (4) 0 and 20 is certainly nothing to be proud of, that season had a bigger impact on me than any other. As a team captain, I knew it probably wouldn’t be the (5) year, but did I ever think we would lose every game Of course not. Since six of our top players had graduated, it was clear that we were a (n) (6) team who would struggle. The struggle began earlier than expected, (7) , as our team center was suspended (禁赛) for the season, and two key members decided to (8) for some reason. At this point, dropping out probably passed through every player’s mind, but in the end, we all stuck if out, (9) to work still harder.

Then there came a time when even our (10) and given up on us. Personally, I felt like it was (11) worthwhile giving my all. I thought, if even the coach doesn’t believe in us, why should I But just as my hope began to (12) , a teammate called a meeting. He said," Nobody thinks we are going to win, but, as teammates and friends, we (13) it to each other to go all out every game. "

It was that moment that (14) me how to be a leader. It hit me that I certainly didn’t (15) the role. As a leader you can never quit (16) the team who looks up to you. It is one (17) to be named captain, feel great and go through the motions, but it is quite another to be a real captain and make sure everyone realizes their full (18) all the time.

I am sure it is great to go through without losing and bringing home awards. But in all honesty, I (19) the fact that my team lost every game last year. It may not help me to become a better basketball player, but it already has made me a better leader, and (20)

13().

A.owe

B.think

C.demand

D.recommend

单项选择题