现年29岁的罗先生在某外资企业担任部门主管,每月税前收入为ll,000元。罗先生的妻

题型:单项选择题 案例分析题

问题:

现年29岁的罗先生在某外资企业担任部门主管,每月税前收入为ll,000元。罗先生的妻子刘女士今年27岁,在一所著名私立中学担任英语教师,每月税前收入为7,500元。罗先生夫妇于2004年12月 

31H购买了一套总价75万的住房,贷款总额为50万元,贷款利率5.5%,15年还清,他们采取的是等额本金还款方式,目前该房产现值为80万元。罗先生目前在银行的存款还有5万元,其中包括银行利 

息约600元(税后)。罗先生对投资股票不感兴趣,目前名下有国债3万元(含去年实际收到的700元收益),债券基金5万元(含去年实际收到l,500元的收益)。罗先生3年前就接受了保险理财规划师的建议 

而人量投保,目前保单现金价值为9万元(即个人账户余额),去年收到保险分红2,500元。为应付日常开支,罗先生家里常备有2,000元的现金。除每月需要偿还的房贷以外,罗先生一家每年保险支出为23,000元,每月生活开支保持在3,000元左右。去年,罗先生一家除为母亲治病花销8,000元 

外,并无其它大额支出。罗先生夫妇预备两年后(2008年)生育后代,考虑到子女教育是一项庞大支出。罗先生决定从现在开始就采取定期定额的方式为孩子储备教育金。 

注:各项财务信息截至2005年12月31日,数据采集时间为2006年1月lO日。 

贷款期满后,等额本金还款方式与等额本息还款方式支出的总利息差额为()。 A.27,979.28

B.39,460.53 

C.20,979.28 

D.29,460.53

考点:理财规划师理财规划专业能力2006年5月理财规划师(二级)考试专业能力真题
题型:单项选择题 案例分析题

You want to know about my staying in America, right? Well, to tell you the truth, it is really an eye-opening experience to study here.

In China, I had English classes five times a week since fifth grade. However, I didn’t know how different textbook English could be from everyday English until I came to Hotchkiss School, Connecticut.

When I first studied English, I was told to say,” I am fine” when people say “How are you?” But in the US, I found that people say, “I am good” or “I’m tired”.

One day, someone greeted me with “What’s up?” It made me confused . I thought for a moment and then smiled because I didn’t know what to say.

Since then, I have discovered more and more differences between Chinese and US cultures.

To my surprise, US girls spend a lot of time in the burning sun to get a tan(晒黑). However, in China, girls try every possible way to get their skin paler, or “whiter”.

I was also surprised by how hardworking US students are.  In China, schoolwork is almost everything, so we study hard and that’s it. But here, a “good” student gets good grades, does a lot for the public and plays sports or music.

The kids here are so talented, I am starting to be sorry that I gave up playing the piano at an early age and that I have never thought about sports.

小题1: What does the word “confused” in the fourth paragraph mean in Chinese ?

A.困惑

B.憧憬

C.悲痛

D.后悔小题2:A good US student spends his / her time ______ .

A.only in doing homework

B.on studies, sports or music and public work

C.only in working for the public

D.only on sports or music小题3:Which of the following is NOT true ?

A.The writer is now in US.

B.American girls love to have white skin.

C.US students are talented and hard working.

D.The writer regrets that he gave up playing the piano.

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如图所示,符合安全用电常识的是(  )

A.

B.

C.

D.

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沃尔玛是运用储存配送模式的典型。()

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磺化单元中的老化器有()台。

A.1

B.2

C.3

D.4

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下列选项中作出责令召回决定的是()

A.药品生产企业

B.药品经营企业

C.医疗机构

D.药品监督管理部门

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