试题与答案

陈蕾和其丈夫陈史强都已进入不惑之年,他们的家庭属于中等收入家庭,上有老,下有小,资

题型:单项选择题

题目:


陈蕾和其丈夫陈史强都已进入不惑之年,他们的家庭属于中等收入家庭,上有老,下有小,资金压力较大,为了积极应对资金缺口,他们聘请了理财规划师帮助他们理财规划。理财规划师通过与陈蕾夫妇沟通,获得了以下家庭、职业与财务信息:
一、案例成员
家庭成员年龄职业身体状况
陈蕾42国企出纳
丈夫陈史强42医生
女儿陈晓霞16高一年级学生
二、收支情况
陈蕾在国企做出纳,每月税前工资5000元,年终奖金5000元,丈夫陈史强是一名医生,每月工资6000元,年终奖金10000元。假设个人所得税的免征额为2000元。陈蕾一家月基本生活开销为3500元,走亲访友和孝敬父母每年会花去4000元,女儿陈晓霞高中教育费用每年6000元。除此之外,没有别的支出。
三、资产负债情况
目前陈蕾一家的投资比较保守,活期存款有15000元;定期性存款有14万元;积极投资方面有95000元的债券。由此每年利息收入6000元。夫妻双方都有单位分配的房产,后来变现购买了在上海浦东的一套105平方米的住房,当时购买总价50万元,贷款用公积金和每月积蓄早已经还清,现在市场价格在115万元左右。
四、保险状况
1.陈蕾:目前养老金账户余额25000元,公积金账户余额30000元。每月交养老金 8%,公积金5%,医疗险2%,失业险1%。
2.陈史强:目前养老金账户余额50000元,公积金账户余额60000元。每月交养老金 8%,公积金5%,医疗险2%,失业险1%。
3.该家庭尚未购买任何商业保险。
五、理财目标:
1.保险计划:与理财师商议后,陈蕾认识到商业保险的空缺将给家庭带来极大的疾病风险,国家社会医疗保障不够充分,购买保险可以防范于未然。
2.教育计划:预计女儿18岁上大学,准备让女儿在国内念本科,到国外读研。国内本科费用目前每年20000元,国外读研每年28万元。
3.退休计划:两人打算60岁一起退休,预计夫妻俩可以活到80岁,希望退休后每月生活费用为1万元。为此陈蕾在其42岁那一年启用了20万元作为退休基金的启动资金,并打算每年年末投入一笔固定的资金。
六、假设条件
假设通货膨胀率为0,投资报酬率为8%,学费的上涨率每年为1%。

根据陈蕾夫妇对退休基金的需要,除了启动资金20万元可以产生的收益外,退休基金缺口为( )万元。

A.99.84

B.100.84

C.101.28

D.102.28

答案:

参考答案:B

解析: 退休基金缺口=180.76-79.92=100.84(万元)。

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题型:阅读理解

March 22, 20II---Most restaurants in the United States offer their customers a glass of tap water at no charge with their meal, but this week many restaurants are asking dinners to pay a dollar, or more, for a glass of water. Cards on their tables explain that this small amount helps bring clean water to children around the world. It’s called the UNICEF Tap Project.

“UNICEF’s Tap Project is really all about bringing attention to the fact that over 900 million people around the globe do not have access to good, clean, healthy drinking water,” says Cary Stem, who heads the US Fund for UNICEF. She adds that water-borne illness is the second-highest cause of preventable childhood death in the world.

“Each and every day approximately 4,100 children die just because they don’t have that access - 4,100 every single day.”

The public service campaign encourages people to help change that statistic with a simple, affordable action: paying a dollar to get a glass of tap water at a restaurant.

“One dollar buys enough good, clean water for a child for 40 days,” Stem says.

“The tap project has expanded since it began five years ago with 300 restaurants in New York City. This year, Stem says, about 3,000 restaurants across the country are participating in the campaign. We raised about $2.5 million over the last five years of this campaign,” says Stem. “Last year, we raised over $1 million for the first time. This year we’re hoping to top that.”

Stem credits the continued success of the campaign to an army of volunteers who support the tap project and raise money in their communities.

The UNICEF Tap Project is promoting its efforts with a simple motto: when you take water, give water. Currently, UNICEF works in more than 100 countries around the world to improve access to safe water and sanitation facilities in schools and communities.

Stem hopes that, by participating in the project, more Americans will realize that what they often take for granted is a precious and scarce resource in many other parts of the world.

小题1:Restaurants began to charge for tap water to _______.

A.increase their profit

B.urge customers to save water

C.raise people’s awareness of the world water problem

D.collect money for those without access to safe water小题2:We can learn from the text that the Tap Project ________.

A.began in New York City

B.was started by volunteers

C.is hoping to collect $2.5 million this year

D.provides help for 1,000 countries in the world小题3:It can be learned that _______.

A.the Tap Project began in 2006

B.America suffers a serious problem

C.4,100 children die of water pollution every year

D.water-borne illnesses are the biggest killer of children小题4:How does Cary Stem feel about the work of the Tap Project?

A.Concerned

B.Hopeful

C.Disappointed

D.Angry

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