试题与答案

请根据以下信息,回答8个小题: 2009年12月31日,金融理财师小张与客户王博初次

题型:单项选择题

题目:

请根据以下信息,回答8个小题: 2009年12月31日,金融理财师小张与客户王博初次见面后了解到如下信息: 家庭状况: 王博,35岁,工程师;太太张娜,35岁,教师。二人育有一女王琳,8岁,计划18岁开始接受6年的高等教育。三人均身体健康,王博夫妇都计划60岁时退休。 财务状况:

注1:银行存款利率为零。 注2:股票型基金是3年前以每份1元的价格申购,目前基金每份净值为1.35元,不考虑申购费用。 注3:5年前王博办理了该住房按揭贷款40万元,贷款年利率为5.5%,每月底以等额本息方式还款,剩余还款期限15年,目前该房产市场价值200万元。 注4:汽车为1年前购买,年折旧率为10%。

注5:夫妻工资收入均为扣除税费后的收入,年工资收入按12倍月工资收入计算。 注6:家庭消费支出中三人消费分别占1/3,年消费支出按12倍月消费支出计算。 假设条件: (1)通货膨胀率为3%。 (2)高等教育学费增长率为4% 理财目标 (1)女儿18岁开始接受6年的高等教育,目前学费(不含生活支出)为每年2万元。 (2)夫妻二人计划60岁时退休,退休前后生活水平保持不变,二人退休后还要继续生活25年。 保险状况: 没有投保任何商业保险。

假设王博家庭2009年12月份股票型基金没有分红,则当月家庭总储蓄为()。

A.7 000元

B.4 248元

C.5 797元

D.5 451元

答案:

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Across the United States, there are several places where two independent towns grew together to become one city — but kept both their names.

WinstonSalem is one of them. It’s a midsized city in what’s called the plateau(high land), between the Atlantic Coast and the inland mountains in the state of North Carolina. The Winston part is a relatively new place, founded early this century. It’s home to the nation’s biggest openair tobacco market.

The giant R.J. Reynolds Tobacco Company’s headquarters is in WinstonSalem, and Winston is the name of one of Reynolds’bestknown cigarette brands. Fastgrowing Winston soon surrounded the much older town of Salem, so in 1913, people in the area voted to combine them into a single place.

From a historical and tourist point of view, Salem, or Old Salem, as it’s called today, is the interesting and unusual part of town.

Salem was founded in the 1700s by the Moravians. They spoke German, and their community was religiously based, with single men and single women living apart in separate dormitories. The Moravians greatly valued women’s work and brainpower. In fact, one of the nation’s oldest boarding schools for young women— the Moravians’Salem Academy founded in 1772 — is still in operation. 

Over the years, Salem lost its Moravian character. That all changed, though, when a nonprofit group began to rehabilitate the historic area. These days Old Salem is what’s called a living history museum, with exhibits, music, and tours of 18th-century houses, taverns and Moravian dormitory buildings just seven blocks from the tallest skyscraper in Winston-Salem.

The historic community is booming again. Just as R. J. Reynolds is taking in millions of dollars making cigarettes across town, Old Salem is generating about S| 15 million a year in tourism revenue and donations.

61. From the passage we can know that____________.

A. Winston-Salem is the name of a city

B. Salem is home to the tobacco market

C. the city Winston-alem has two names

D. Old Salem is the name of a tobacco brand

62. It can be inferred from Paragraph 3 that__________.

A. the two cities benefited each other

B. Salem developed faster than Winston

C. R.J. Reynolds Company has moved into Salem

D. the combination meets the wishes of the people

63. The city Salem is special for its__________.

A. boarding school                          B. lifestyle and tradition

C. respect for brainpower                     D. religious belief

64. The underlined word “rehabilitate” in Paragraph 6 is closest in meaning to “_________”.A. reconstruct            B. evaluate         C. enlarge         D. decorate

65. What will probably be talked about in the following part? 

A. Some other attractions in Winston-Salem. 

B. How Winston makes profits from tourism. 

C. Other examples of cities combined by two parts.

D. Something about the boarding school for women.

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