问题 单项选择题

A proven method for effective textbook reading is the SQ3R method developed by Francis Robinson. The first step is to survey (the S step) the chapter by reading the title, introduction, section headings, summary and by studying any graphs, tables, illustrations or charts. The purpose of this step is to get an overview of the chapter so that you will know before you read what it will be about. In the second step (the Q step), for each section you ask yourself questions such as "What do I already know about this topic" and "What do I want to know" In this step you also take the section heading and turn it into a question. This step gives you a purpose for reading the section. The third step (the first of the 3 R’s) is to read to find the answer to your questions. Then at the end of each section, before going on to the next section, you recite (the second of the 3 R’s) the answers to the questions that you formed in the question step. When you recite you should say the information you want to learn out loud in your own words. The fifth step is done after you have completed steps 2, 3 and 4 for each section. You review (the last of the 3 R’s) the entire chapter. The review is done much as the survey was in the first step. As you review, hold a mental conversation with yourself as you recite the information you selected as important to learn. The mental conversation could take the form of asking and answering the questions fromed from the headings or reading the summary, which lists the main ideas in the chapter, and trying to fill in the details for each main idea.

Which of the following statements is true()

A. In the last step, you should remember all the information

B. When you finish the last step, you will get both the main idea and the details

C. The mental conversation involves answering the questions asked by the author

D. While you are holding a mental conversation you select the important information

答案

参考答案:B

解析:

当你完成最后一个步骤时,你对大意和细节都会掌握。从文章最后一句可知,最后一个阶段应采取自问自答的方式。应针对性地列出本章主要内容的标题或概要提问,同时要给主要内容填充细节。可见,大意和细节都是最后一个步骤应注意的。A,在最后一个步骤中,你应该记住所有的信息。C,自问自答时应回答作者提出的问题。D,当你自问自答时,你选择主要信息。

填空题
单项选择题


李先生和太太张女士都是收入很高的IT行业人员,目前有一个7岁的孩子。李先生和太太准备近两年买一套高档别墅,并在11年后退休,同时为孩子准备一笔教育基金。另外,他们还有其他一些家庭目标需要进行规划。以下是李先生的家庭情况和理财目标等信息。
一、案例成员
家庭成员年龄职业身体状况
李先生34IT行业人员
李太太34IT行业人员
李小小7小学一年级学生
二、收支情况
                          表1 家庭收支情况 (单位:元)
收入备注
本人工资税前收入18000216000按年均10%增长,到45岁退休
配偶工资税前收入12000144000按年均10%增长,到45岁退休
收入合计30000360000
支出
生活支出
基本生活开支10000120000包括本人、太太和小孩
旅游30000
保险6000
本人所得税
配偶个人所得税
三、资产负债情况
                          表2 家庭资产负债情况 (单位:元)
资产资产备注
金融资产
活期存款25000
定期存款45500018万人民币和4万美元(汇率为6.85)合计
股票250000按现值估计
基金50000按现值估计
非金融资产
自住房产900000还剩3万元按揭贷款余额
汽车230000按现值计算
资产合计1910000
负债(元)负债备注
银行贷款30000自住房按揭贷款余额
资产净值1880000
四、理财目标
1.建立家庭应急基金,满足可能出现的紧急支出需要;
2.近两年购买250万元的别墅;
3.孩子满18岁时,即11年后,为孩子准备100万元的教育基金;
4.45岁退休时,即11年后,准备200万元养老金;
5.其它可能目标:赡养父母、换车、增加购车、旅游休闲等等。
五、假设条件
1.通货膨胀及日常生活支出年均增长率:3%;
2.退休前本人及配偶收入的年均增长率:10%;
3.子女教育及退休基金年均收益率:10%;
4.财富积累投资的年均收益率:10%;
5.房产预期年均增值率:3%。

根据相关假设,张女士每年工资收入增长10%。那么( )年后,张女士选择兼职方式比选择全职更有利。

A.3

B.4

C.5

D.6