问题 单项选择题


林先生和林太太已结婚两年,林太太的预产期在2008年的11月。孩子的出生会对整个家庭的经济结构的变化产生巨大的影响。考虑到这一点,林先生找到了理财规划师进行咨询,并要求他为自己制定理财规划。根据林先生的叙述,理财规划师对他的家庭财产状况进行了分析。
一、案例成员
家庭成员年龄职业身体状况
林先生29保险公司经理
林太太29中学教师待产
林先生目前和妻子两人住在一起,父母都有退休金,双方均没有赡养老人的负担。 二、收支状况 1.收入情况 林先生月收入为18000元,林太太月收入为4000元,每月房租收入为4300元。林先生每年的年终奖金为15000元,存款利息收入为5000元、股息收入为1500元。 2.支出情况 基本生活开销为每月2600元,医疗费用每月100元,银行房屋按揭贷款每月支出4100元。夫妻两人均购买了保险,年支出3000元。 3.结余情况 根据收支状况数据,可得家庭每月收支结余1.95万元,年度性收支结余1.85万元。
                 表1 每月收支情况表 (单位:元)
收入支出
本人收入1.8万基本生活开销2600
配偶收入4000房屋月供4100
房租收入

4300

医疗费用100
合计2.63万合计6800

                     表2 年度性收支状况表 (单位:元)
收入支出
年终收入15000保险费支出3000
存款利息5000
股息

1500

合计21500合计3000
年度结余1.85万元
三、家庭资产负债状况 林先生目前拥有两套80万元的房产,一套自住,另一套用于投资。投资的一套现在已经成功出租,每月租金收入4300元。林先生目前有活期存款40万元、定期存款30万元和 20万元的债券,年初林先生购买了40万元的股票,现在已经缩水至28万元。家中还有一套价值6万元左右的老红木家具和一些价值5万元的名表、钻戒,除了银行75万元按揭30年的房屋贷款,没有其他负债。
                   表3 家庭资产负债状况表 (单位:元)
家庭资产家庭负债
现金及活存400000房屋贷款750000
定期存款300000
股票

市值280000(投入)

债券200000
房产(自用)850000
房产投资1100000
收藏、红木家具60000
其它50000
资产合计324万合计75万元
家庭净产值249万元
四、林先生家庭保险状况
作为业内人士,林先生对自己的各项保障问题已经早有打算。林先生每年花费1500元为自己买了一份60岁可以一次性支取50万元的养老险,每年再花费1500元为妻子买了份分红险。
五、林先生夫妇的理财目标
1.筹备孩子出生时的医疗费用和从出生到一岁期间的养育费用;
2.林太太打算明年去英国留学,攻读硕士学位,估计需要一到两年的时间,费用合计约需35万元;
3.3~5年内添置一辆价值20万元的车,林先生夫妇二人都是上班族,有了孩子以后生活节奏加快,买车是很有必要的;
4.买一套地段较好的商品房或商铺用于投资;
5.为孩子准备一笔教育基金;
6.夫妻俩的退休养老计划规划。
六、假设条件
1.未来平均每年通货膨胀率为5%;
2.房产投资平均年回报率为5%;
3.基金投资平均年回报率为8%;
4.房屋按揭贷款利率为5%;
5.5年汽车按揭贷款利率为4.89%。

接第9题,若按照等额本金法,大约能节省( )元的利息支出。

A.553.4

B.653.4

C.753.4

D.853.4

答案

参考答案:C

解析: 若按照等额本金法,每月本金偿还额为:200000×60%÷5÷12=2000(元),利息支出为:120000×5.5%÷12+118000×5.5%÷12+116000×5.5%÷12+…+2000×5.5%÷12=(120000+2000)÷2×60×5.5%÷12=16775(元)。采用等额本息法的利息支出为:2292.14×12×5-120000=17528.4(元),节省的利息支出为:17528.4- 16775=753.4(元)。

阅读理解

阅读下面的短文,并根据短文后的要求答题(请注意问题后的字数要求

Everyone has got two personalities (性格)- the one that is shown to the world and the other that is secret and real. You don’t show your secret personality when you're awake because you can control your behaviour, but when you're asleep, your sleeping position shows the real you. In a normal night, of course, people frequently change their position. The important position is the one that you go to sleep in.

● If you go to sleep on your back, you're a very open person. You normally trust people and you are easily influenced by fashion or new ideas. You don’t like to upset people, so you never express your real feelings. You’re quite shy and you aren’t very confident.

● If you sleep on your stomach, you are a rather secretive person. You worry a lot and you're always easily upset. You're very stubborn, but you aren't very ambitious. You usually live for today not for tomorrow. This means that you enjoy having a good time.

●If you sleep on curling(蜷缩)up, you are probably a very nervous person. You have a low opinion of yourself and so you're often defensive. You're shy and you don't normally like meeting people. You prefer to___________________.

●If you sleep on your side, you have usually got a well-balanced personality. You know your strengths and weakness. You're usually careful. You have a confident personality. You sometimes feel anxious, but you don't often get depressed. You always say what you think even if it annoys people.

1. What is the best title of the passage? (Please answer within 10 words.)

_____________________________________________

2. Which sentence in the passage can be replaced by the following one?

You always stick to your own opinion, but you don't have far-reaching goals.

____________________________________________

3. Please fill in the blank with proper words or phrases to complete the sentence.

(Please answer within 10 words.)

_____________________________________________

44. Sleeping positions and personalities

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