问题 判断题

雍和宫内的五百罗汉山、檀木大佛和金丝楠木佛龛并称雍和宫三绝。

答案

参考答案:

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One day, early in the morning on my way to work, I saw a little girl carrying a small Cambridge schoolbag. I could imagine that she must be proud of her schoolbag. The bag is designed for students, which can hold a lot of things, such as textbooks, pens and pencils, snacks and water! Students just carry it on their shoulders, and it is easy for them. I was really amazed by the wisdom of businessmen.

I remembered I had a green cloth bag, which was very rough, but strong. At that time I was short, so my mom made the bag rope shorter. After eating all the meals prepared by my mother, I said to her, “I will go to school now. Bye!” I ran to school with my classmates. At that time, this schoolbag was so light. When I jumped, it jumped. All things in this bag had a collision (碰撞.. They gave out cheerful sounds all the way along. At the time I was so happy.

As I grew older, the schoolbag became heavier and heavier. My green schoolbag could not be used any longer. The bag was worn down, the mouth was opened, and finally it came to an end. My mother bought me another bag, and it was very big. I liked the Mickey Mouse pattern. The bag had a few pockets and both sides of the bag could carry a bottle. It was convenient! I was happy to go out every day with the new bag. Five or six miles of the trip to school seemed as if it were a few steps away. That year I was 12 years old. Though my first schoolbag wasn’t made in the UK, and it was made by my mother herself, it was still a real Cambridge schoolbag in my mind.

小题1:________ caught the writer’s attention on his way to work.

A.A beautiful girl

B.A businessman

C.A Cambridge schoolbag

D.A student小题2:The writer’s first schoolbag  ________.  

A.was a real Cambridge schoolbag

B.had many pockets

C.gave out cheerful sounds

D.was made by his mother小题3:“They” in the 2nd paragraph here refers to “________”.

A.the writer’s classmates

B.all the things in the schoolbag

C.the meals prepared by Mom

D.the ropes of the schoolbag小题4:The writer changed his green schoolbag because ________.

A.it was broken

B.the family got rich

C.he wanted a new pattern

D.it wasn’t made in the UK.小题5:We can learn from the passage that ________.

A.wise businessmen make best schoolbags in the world

B.schoolbags brought the writer happiness when he was little

C.Cambridge schoolbags are very popular among the children

D.the writer’s mother was fond of making schoolbags小题6:The best title of the passage is ________.

A.A clever mother

B.The history of schoolbags

C.My sweet childhood memory

D.Schoolbag and me

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%。

林先生现月收入18000元,按5%的工资自然增长率计算,林先生60岁退休时的月收入可达______元,林太太收入可达______元。( )

A.75438.25;15253.62

B.76089.14;16825.26

C.81684.71;18152.16

D.84622.63;19253.36