问题 单项选择题

合理的现金预算是实现个人理财规划的基础,现金预算帮助客户达到短期财务目标的需要。老张是一名自由职业者,关于其预算编制程序的说法不正确的是()。

A.老张首先应该设定退休、子女教育及买房等长期理财规划目标,并计算达到各类理财规划目标所需的年储蓄额

B.老张发现今年的娱乐方面支出所占的比例远高于往年,决定明年在这方面重点减少支出

C.老张根据其预测的年度收入减去年储蓄目标得出年度支出预算

D.老张可以直接根据今年的收入和有关部门公布的通货膨胀率(或者CPI指数)综合预测明年收入

答案

参考答案:D

解析:收入淡旺季差异大的市场销售人员或自由职业者(例如题中的老张),就要以过去的平均收入为基准,做最好与最坏状况下的分析。

阅读理解

My teenage son Karl became withdrawn after his father died. As a single parent, I tried to do my best to talk to him. But the more I tried , the more he pulled away. When his report card arrived during his junior year, it said that he had been absent 95 times from classes. In this way he would never graduate. I sent him to the school adviser, and I even begged him. Nothing worked.

◆ One night I was at work when I got a phone call. A man introduced himself as a head teacher. “ I want to talk to you about Karl’s absences(缺席).” Before he could say another word I choked up(哽咽). And said sadly, “ I love my son. I’ve tried everything to get Karl to go back to school and nothing has worked. It’s out of my hands.” For a moment there was silence on the other end of the line. The head teacher seriously said, “ Thank you for your time.”

◆ Karl’s next report card showed a marked improvement in his grades. He was even on the list of the best students at school. In his fourth year, I took part in a parent-teacher meeting.I noticed that his teachers were surprised at the way he had turened himself around. On our way home, he said, “ Mum, remember that call from the head teacher last year?” I nodded. “That was me. I thought I’d play a joke but I heard what you said, It really hit me how much I was hurting you.That’s when I knew I had to make you proud.”

阅读短文内容, 选择正确答案。(5分)

小题1:Which of the following has the similar meaning to the underlined word “withdrawn”?

A.Quiet and lonely.

B.Relaxed and excited.

C.Active and lively.

D.Happy and easygoing.小题2:According to the first report card, Karl __________.

A.often went to school late

B.did well at school

C.did a good job at school

D.failed in the exams小题3:When the mother said “ it’s out of my hands” to the head teacher, she meant that she __________. 

A.didn’t know what to do about her son

B.would drive her son away from the house

C.had no money to support the family

D.would have to hang up小题4:Who telephoned Karl’s mother that day?

A.The head teacher.

B.The school adviser.

C.Karl himself.

D.The passage doesn’t tell us.小题5:From the passage we can learn that __________.

A.children in single-parent families always have mental problems

B.mother’s love is important to teenagers’life

C.parents should give their children everything that they need

D.school education still works well without the support from parents

单项选择题 A1型题