罗厚森是一家著名大型物流公司的职员,年纪不大的他已经在事业上小有成就,是同学、朋友圈

题型:单项选择题

问题:


罗厚森是一家著名大型物流公司的职员,年纪不大的他已经在事业上小有成就,是同学、朋友圈中令人羡慕的“先富阶层”。但是为了以后的生活理想,特想作一理财规划,经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:
一、案例成员
家庭成员年龄职业身体状况
罗厚森30岁项目经理
二、月度收支状况 收入方面: 1.罗先生目前的月收入为2万元; 2.以前曾在一个朋友的实业中投入了一笔钱,现在每月还能拿到5000元左右的红利。 支出方面: 1.罗先生目前并不急于买房,租用了北外滩的一套房子,月租金3600元; 2.每月的基本生活开销,包括养车费用,共计2500元左右; 3.娱乐购物等费用在3000元左右。 三、年度收支状况 1.罗先生年终有15万元的奖金,今年的存款利息在2万元左右,今年从股票基金中获得的收益有5万元左右。 2.每年在旅游上的花费大约为2万元。
                    表1 年度性收支表 (单位:万元)
收入支出
年终奖金15保险费0
存款、债券利息2产险0
股利、股息5(今年)

其他(旅游费)

2
其他其他0
合计22合计2
四、寐庭资产负债状况
家庭资产方面:
1.因为目前并不看好股市,所以现在已经有部分股票基金的资金转到了货币市场基金账户中。目前,他的股票基金净值还有10万元左右,货币市场基金有75万元左右。
2.活期存款为12万元左右。
3.银行账户金有10万元左右。
4.外汇资产为25000美元及11万港币。
5.借给亲戚朋友20万元,部分借款将于明年初归还,部分还将等一段时间归还,但均未给罗先生带来利息收入。
6.罗先生的自用车买来不久,价值在30万元左右。
家庭负债方面:目前,罗先生无负债。
五、家庭理财目标方面
1.他希望专家能给他一个合理的资产配置方案,主要因为他个人目前不看好股市后市,大部分资金在货币基金中,希望能有其他好的理财渠道,让资产在保值的情况下取得不低于10%的年收益。
2.他正在考虑明年下半年是否要去脱产进修,并投入25万人民币读全职MBA,时间为2年。因为这个MBA的经历可能会给以后的工作提升带来好的影响,但却会导致自己未来两年的收入大幅下降。是否该走这一步
3.目前已经有女友的罗先生,还打算3年之后买房结婚,并希望40岁时资产达到100万美元。
六、假设条件
人民币对美元的当期汇率为6.86,人民币对港币的汇率为0.88。

由于工作变动,罗先生现在公司附近租房,正好一处位于北京市海淀区五道口附近新盖好的公寓8楼的100平方米的房子,房屋可租可售。如果租用,房租每月5 500元,押金1个月租金;如果购买,总价120万元,可申请60万元、利率6%的房贷,首付60万元。假设押金与首付款的机会成本均为3%,则根据年成本法,租房与购房的成本分别为( )元。

A.64255;54000

B.66165;54000

C.64255;56000

D.66165;56000

考点:金融理财师综合案例分析金融理财师综合案例分析
题型:单项选择题

一飞船绕地球做匀速园周运动,飞船离地面的高度为h,其内有一质量为m的人站在可称体重的台秤上,用R表示地球半径,g表示地球表面的重力加速度,g,表示飞船所在处的地球引力加速度,FN表示人对台秤的压力,则下列判断正确的是(  )

A.g,=0

B.g,=

R2
(R+h)2
g

C.FN=0

D.FN=m

R2
(R+h)2g

题型:单项选择题

The stories of Guo Mingyi are really moving. __________ he is the most moving and respectable man I have ever heard of.

A.In fact

B.As a result

C.At last

D.In other words

题型:单项选择题

If you will be cycling, you will need to know what these traffic signs and signals mean.

A sign like this one means that there is a bike lane. If there is a bike lane, you are required to use it. If there is not a bike lane, you should ride with traffic as far to the right side of the road as possible.

When the signal light turns green, cars go. When you cross the street at a signal light, you should wait for the walk signal. Be sure to look carefully to the left, right and left again, before crossing the street.

When the signal light turns yellow, car drivers should slow down and prepare to stop. You should not cross if the light is yellow. The light is about to turn red, and cars will enter the intersection.

This signal is the WALK sign. It has a picture of a person walking instead of using the word WALK.

This signal is the DON'T WALK sign. It is part of the signal with the picture of a person walking.This is a picture of a red hand, meaning you should stop. You should wait to cross the street until the green picture of the person walking is showing.

Car drivers and bikers must come to a complete stop at STOP signs.

A yield sign means to slow down and be ready to stop.

If there are pedestrians(行人)or vehicles in or nearing the intersection,you must stop.

If there is no traffic in or nearing the intersection and it is safe,you may go through.

This sign means you are coming to a crosswalk. Car drivers, anti­bikers must stop to allow people in the crosswalk to cross the street.

When people are working on the roads, parts of the road are often dug up or rough. Be careful when cycling. Rough roads could make you fall off your bike. If you must move into the road to go around a work area, you should stop and look carefully to be sure there is no traffic coming before going into the road.

A detour is a way of getting around a roadway that is closed. Roads are usually closed because of road work or dangerous conditions. If you must take a detour, be careful of roads you aren't used to.

小题1:The passage is intended for ________.

A.car drivers

B.skaters

C.bikers

D.Pedestrians小题2:If you see the signwhile riding a bike,you are required to ________.

A.take the bike lane

B.stop your bike

C.ride close to the right side of the road

D.ride in the middle of the road小题3:Cyclists may see the sign when ________.

A.they come near a crosswalk

B.the bad weather is on the corner

C.they are about to pass a school

D.the road ahead is blocked because of the landslide (山崩)

题型:单项选择题

具有敛汗安神功效,治疗心悸、失眠、多梦的药物是()

A.朱砂

B.人参

C.远志

D.麦冬

E.五味子

题型:单项选择题

根据《中华人民共和国消费者权益保护法》,经营者在消费者明确表示拒绝的情况下不得向其发送商业性信息,这属于经营者的()的义务。

A.不得侵犯消费者人格权

B.消费者安全保障

C.消费者信息保护

D.保护消费者自主选择权

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