假设程建国先生与王子玲小姐是你的新客户,目前正面临职业生涯与家庭上的转变,需要金融

题型:单项选择题

问题:


假设程建国先生与王子玲小姐是你的新客户,目前正面临职业生涯与家庭上的转变,需要金融理财师协助规划。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
程建国42岁某报社记者
王子玲37岁某企业企划部经理
程果12岁初中一年级学生
二、收支情况
1.收入情况:程先生每月税前收入7500元,已有11年的工作年资;程太太目前每月税前收入为8000元,已有6年年资。
2.支出情况:每月平均生活费用5000元,每年学杂费14000元(不含贷款)。
三、资产负债状况
1.程先生:9年前,程先生以二十年按揭房贷的方式购买一栋房子,购买时房子总价780000元,七成新,目前现值为1000000元,仍有贷款余额235000元。另有30000元储蓄存款、56000元股票(现值,成本价为30000元)与市值70000元的汽车一部。程先生当初曾申请55000元的个人信用贷款,每月还款金额为5000元,12个月还清。
2.程太太:4年前,程太太有一间以二十年按揭方式购买市值650000元的房子,目前市场价格800000元,现已出租,每月租金收入2000元。另外程太太还有银行储蓄存款10000元、定期存款120000元,60000元股票型基金(现值,成本价为37000元)。每年税后利息收入为2500元。
四、保险情况
程先生和程太太除社保外,尚未投保任何商业保险。
五、理财目标
1.教育规划:儿子在国内念大学,在国外读两年硕士,年支出现值大学20000元,留学200000元;
2.退休规划:程家夫妇均期望60岁退休,退休生活费为每月现值5000元。夫妻皆在80岁终老;
3.换车规划:希望三年后换一部现值150000元的汽车。
六、假设条件
1.贷款利率6%,通货膨胀率3%,学费成长率5%,房贷利率7%,车价零成长,换车时残值率为10%。
2.收入成长率3%,不考虑三险一金因素,社会保险基本养老金为该地方平均工资的20%,程建国所在地区当前平均工资为3000元,即养老金为600元。
3.假设工资收入的免税额为每月2000元,应税养老金为收入超过5000元不足20000元部分的边际税率为20%,速算扣除额为375元。
七、附表(表1、表2)
                     表1 家庭资产负债表 (单位:元)
资产科目资产(以成本计)资产(以市场值计)负债科目负债金额
人民币银行活存4000040000房产投资贷款(妻)406778
人民币银行定存120000120000自用房地贷款235000
国内股票A3000056000自用带连55000
国内股票基金A3700060000负债合计696778
房产投资A650000800000净值((以成本计)1030222
自用房地产7800001000000净值((以市场值计)1414222
自用汽车7000035000
总资产17270002111000

                     表2 家庭年收支表 (单位:元)
收入科目本人收入配偶收入支出科目支出金额
税前薪资收入家计支出-生活费用60000
所得税支出学杂费14000
税后工作收入合计家计支出-合计74000
利息股息收入2500房袋1利息支出15984
资本利得收入24000房袋2利息支出28021
家庭理财收入合计26500个人信用贷款利息支出5000
个人总收入利息支出合计49005
家庭总收入家庭支出合计123005
家庭储蓄
其中:用于减少负债79019
自用储蓄

程建国夫妇的清偿比率为( )。

A.54.64%

B.56.74%

C.59.65%

D.60.84%

考点:金融理财师综合案例分析三口小康之家、都市年轻家庭、策划总监家庭、中年白领夫妇退休养老、双薪家庭的理财规划
题型:单项选择题

Tony Buzan’s grades were going down at university. Disappointed with his low marks, he went to the library to find a book on how to use his brain. He was directed to the medical section. Confused, he said to the librarian, “I don’t want to take my brain out, I just want to learn how to use it.” Her reply was simple: “There’s no book on that.”

“I thought to myself,” says Buzan, “if I buy a little radio, I get an instruction manual (说明书). If I buy a microwave, I get an instruction manual. But for the most important machine in the world, no instruction manual?”

Fifty years later, Buzan has become the world’s leading speaker on the brain and learning. In the late 1960s, he invented the mind map, a visual representation of thought processes.

This kind of thinking has become a popular tool for planning, organizing, problem solving, and communicating across the world. He has since authored and co-authored over 100 books that have appeared in more than 30 languages.

“I think in most cases, people use less than 1 percent of their brains,” he says.

But how do you expand this 1 percent? How do you become the best student you can be?

According to Buzan, the answer is simple. You take a section of whatever it is that you are trying to learn, he says, and you read it for its essence (精髓、要素). Then you make a mind map of all the important details. For a truly effective mind map, you start with a colored image in the center of your page. Draw the first image that comes to mind on the topic you are mind mapping. Branch off from your central image and create one of your main ideas. From your main branches draw some sub-branches and from those sub-branches you can draw even more branches. He emphasizes that you should use plenty of images and colors as these help with memory recall and encourage creativity.

By using this visual format (形式), according to Buzan, your mind will begin to make associations that will help you remember more information for longer periods of time.

Buzan believes that traditional note-taking methods, such as lists and summaries, do not stimulate the brain’s recall capacity or ability in the same way. Because of this, students will often find themselves locked away in their rooms for hours, trying hard to memorize separate details. Buzan believes that for a more effective and lasting way of studying, you must first understand how your brain works.

“Everyone is born smart,” he says. “You just have to learn how to learn.”

小题1:What is the main purpose of the first two paragraphs?

A.To show that Tony Buzan was worried about his study.

B.To invite us to think about the importance of manuals.

C.To prove that the mind map is a useful tool for the brain.

D.To show why Tony Buzan studies the brain and learning.小题2:What does the word “stimulate” mean in the passage?

A.Excite.

B.Improve.

C.Encourage.

D.Affect.小题3:What can we infer from the passage?

A.If we learn the mind map, we will become the best student.

B.The mind map will help your brain connect separate details.

C.The mind map will be more effective if we put more details in it.

D.We will solve the problem if we make connections between ideas.小题4:What is the best title for the passage?

A.How to make the mind map?

B.Is the mind map widely used?

C.Can your memory be mapped?

D.Is the mind map helpful in thinking?

题型:单项选择题

用显微镜进行观察的生物材料必须是

A.新鲜的

B.完整的

C.薄而透明的

D.干燥的

题型:单项选择题

辅酶和辅基的差别在于

A.辅酶为小分子有机物,辅基常为无机物
B.辅酶与酶共价结合,辅基则不是
C.经透析方法可使辅酶与酶蛋白分离,辅基则不能
D.辅酶参与酶反应,辅基则不参与
E.辅酶含有维生素成分,辅基则不含

题型:单项选择题

在Rips的“多维量表程序”中,空间中两点的距离反映着两个概念之间的心理距离,一个范畴的空间中诸点距离的集合则称为相应的()空间。

A.问题

B.气氛

C.语义

D.启动

题型:单项选择题

为了()在渐进镜片的加工过程中,在后曲面的研弯过程中架上底向下的棱镜。

A、镜片减薄

B、镜片减少像差

C、镜片屈光度平衡

D、渐进面设计需要

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