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[A] The take-up of EVs—which run entirely

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[A] The take-up of EVs—which run entirely on electricity stored in rechargeable batteries—is seen as central to the plan to cut the transport sector’s carbon emissions, both here and across the European Union. It is predicted that we will be running a total of 800,000 EVs in Britain by 2020, and as a result the race to install a recharging infrastructure is well under way. Transport for London (TfL) recently announced it will have 1,300 EV charging points in London by 2013—more than the current number of petrol stations in the capital. The London mayor, Boris Johnson, is on the record as saying he wants to make the city the electric car capital of Europe.

[B] However, the power companies, sensing a good business opportunity, are now vying to sign up electric car-owning households with the offer of cheaper and faster off-peak home charging that will cut the time it takes to recharge the vehicle—freeing it to make more journeys, and making them more attractive to buyers. So far, EDF, British Gas, and most recently npower have said they will be targeting EV users with special home services as well as cheaper tariffs for recharging vehicles.

[C] What would make you consider buying an electric car They offer a green way to get around, with the chance to bypass petrol stations. And they are exempt from road tax and London’s congestion charge. Energy company npower (英国电力公司) this week revealed that 33% of UK drivers would think about buying an electric vehicle (EV) in the next five years, rising to 41% when the benefits were explained.

[D] But despite the introduction in January of a generous £ 5,000 government purchase grant to encourage more people to take the plunge, it’s fair to say that sales of electrically powered cars in the UK are yet to really take off. Just over 500 people took the government up on its offer in the first quarter of this year. Their high prices—typically about £ 25,000 after the grant—plus a lack of models by major carmakers and a shortage of charging points, have held back sales. However, the last two points are about to change.

[E] Speaking in Berlin last week, npower’s head of e-mobility, Phil Evans, told Guardian Money that the company sees EVs as a major opportunity, and as a result it is working on building an "upgradable" charging infrastructure that will develop as the cars’ power systems become more sophisticated.

[F] Potential buyers now have a choice of seven models in the UK, with 13 more on the way, while EDF Energy (英国电网), British Gas and npower have recently announced plans to start offering to install faster and cheaper charging points in customers’ homes, in a move they hope will help kick-start sales. The companies are banking on the fact that buyers of the latest, more consumer-friendly electric cars, such as the Nissan Leaf, are going to boost demand for electricity.

[G] Plans are also under way to increase the number of charging points at a variety of locations across the UK—and soon it will be possible for homeowners to upgrade their garages to allow faster, safer home charging. Until recently, most owners of plug-in-to-recharge electric cars have had to rely on the traditional three-point household plug, and wait about eight hours to fully recharge their vehicle at home.

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李先生和李太太(陶女士)都是收入稳定的公务员,两人目前和李先生的母亲同住,没有孩子。最近,李先生和太太计划要一个小宝宝,同时还有一些其他的家庭目标需要进行规划,于是夫妇俩找到了金融理财规划师进行咨询。理财规划师就李先生的家庭状况进行了分析。
一、案例成员
家庭成员职业年龄
李先生警察34岁
陶女士(李先生的太太)公务员28岁
王女士(李先生的母亲)退休职业58岁
二、收支状况 李先生的母亲每个月有600元的退休工资,全家每个月的医疗费大概要100元。夫妇二人目前有现金和定活期存款40000元。结婚前,李先生和太太贷款买了一套住宅,每月还款1500元,目前房贷余额还有30万元左右。原来的老房子已出售,得到了13万元现金。李先生打算将这笔钱投向股市和基金。
表1 年度收支状况表 (单位:元)
收入支出
李先生本人收入42000基本生活开销30000
配偶收入36000物业管理费1800
母亲收入7200房屋贷款18000
年终奖金6000医疗费1200
保险费5000
合计91200合计56000
年度结余35200
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表2 家庭资产负债状况表 (单位:元)
家庭资产家庭负债
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李先生和太太除了参加社会养老保险外,李先生自己还购买了一份大病险及附加意外险,太太购买了一份有分红功能的寿险。
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